Shared balance sheet

The shared balance sheet is the layer every module reads and writes: one record of what each account holds, owes and earns.

What it records

For each account, whether it belongs to a person or to an app:

• Assets: tokens and positions held, such as USDC, SOL, ZDLT or a share of the Yield Engine's pool.

• Liabilities: what is owed, such as a loan from the Credit Engine.

• Net position: assets minus liabilities, the single number that says where the account stands.

Why one record matters

When each money function keeps its own ledger, they cannot see each other. A lending product does not know what is earning, and a payment product does not know what is owed. On one balance sheet:

• the Credit Engine can see what an account holds before it lends against it;

• the Settlement Engine can see what is due before it moves money;

• the Yield Engine can put idle balances to work without losing track of what must stay available.

That is why the modules are worth more together than alone.

Where it lives

Balances on public networks, such as tokens in a Solana wallet, are read from the chain itself. Records that cannot live on-chain, such as which app an account belongs to, are kept by Zirodelta and reconciled against on-chain data.

Status

In development. The account model is defined, and each module will read and write it as it ships.