Digital Infrastructure Brief

Infrastructure Overview

Vaughan Capital Advisory operates on institutional-grade digital infrastructure designed for settlement speed, custody security, and complete auditability. This brief outlines the technology stack that powers our operations — the same infrastructure principles used by leading financial institutions globally.

Our clients experience none of this complexity. They experience a phone call, a wire instruction, a monthly statement, and a PDF. Behind that simplicity is a settlement engine that operates 24/7 with finality measured in seconds.

Settlement Networks

XRP Ledger (XRPL)

Primary Settlement Rail

Open, decentralized settlement network operating since 2012
3-5 second transaction finality — no pending or reversible states
Transaction cost under $0.001 — eliminates wire transfer and ACH fees
Native support for issued currencies (Trust Lines) for stablecoin settlement
Built-in decentralized exchange for on-ledger settlement
Used by 300+ financial institutions through RippleNet infrastructure
U.S. regulatory clarity established through federal court proceedings

Stellar Network

Secondary Settlement & Stablecoin Issuance

Institutional settlement network designed for asset issuance and payments
5-7 second finality with built-in compliance controls
Native USDC issuance support through Circle partnership
Anchored asset framework ideal for fiat-referenced token issuance
SEP (Stellar Ecosystem Proposal) standards for interoperability
MoneyGram integration for fiat on/off ramp capability
Built-in path payment for cross-asset settlement

Stablecoin Settlement Layer

All client capital is denominated in regulated stablecoins for settlement purposes:

Currency	Issuer	Networks	Use Case
USDC	Circle Financial	XRPL, Stellar, Ethereum	Primary settlement, reserves
USDT	Tether Limited	XRPL, Ethereum	Secondary settlement
mogUSD	MOG (our issuance)	XRPL, Stellar	Internal operations, client settlement
mogGOLD	MOG (our issuance)	XRPL	Gold-backed portfolio instrument
mogRE	MOG (our issuance)	XRPL	Real estate portfolio token
mogYIELD	MOG (our issuance)	Stellar	Private credit income token

Custody Architecture

The firm operates a four-wallet custody architecture that segregates functions for security and auditability:

Hot Wallet — Intake

Treasury Receive

Receives incoming stablecoin deposits. Generates unique receipt IDs. Auto-forwards to custody after confirmation. Maximum dwell time: 10 minutes.

Cold Wallet — Storage

Cold Custody

Institutional-grade cold storage for client assets. Multi-signature authorization required for any withdrawal. Compatible with Fireblocks and BitGo custody platforms.

Warm Wallet — Fees & Operations

Operations

Funds operational expenses, settlement fees, and client distributions. Budget-limited with daily transaction caps. Independent from client custody.

Escrow — Secured Lending

Collateral Vault

Holds collateral for secured lending positions. Automated LTV monitoring. Predetermined liquidation waterfall. Segregated from all other wallets.

Compliance Infrastructure

Every transaction processed through our infrastructure passes through a comprehensive compliance layer:

KYC verification for all counterparties before first transaction
Real-time OFAC and sanctions screening on every settlement
Transaction monitoring for suspicious activity patterns
Automated reporting for BSA/AML compliance obligations
Jurisdictional screening against restricted territories
Complete audit trail with immutable on-chain transaction hashes

Settlement Flow

Client Initiates

Wire or stablecoin transfer

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KYC/AML Check

Automated compliance screening

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XRPL/Stellar Settlement

3-7 second finality

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Custody Assignment

Multi-sig cold storage

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Receipt Delivered

Hash-anchored confirmation

Buck Vaughan

Buck Vaughan, Principal

Vaughan Capital Advisory

Men of God Development & Investments LLC

CONFIDENTIAL — This document is provided for informational purposes only and does not constitute an offer to sell or solicitation of an offer to buy any securities. This document contains forward-looking statements that involve risks and uncertainties. Past performance is not indicative of future results.