Mobile Origin Transaction Router

A high-concurrency stablecoin payments rail engineered never to drop an intent. As stablecoins scale into retail, payment aggregators face tens of thousands of simultaneous webhook calls from chat-bots and dynamic QR scanners in unpredictable bursts — a workload standard Node and Python stacks choke on, silently dropping payment intents. MOTR's TLA+-proven ingest core guarantees that once an intent is acknowledged, it is durable on disk and replayable.

Above ingest, MOTR turns the router from a passthrough into a principal counterparty: every settled intent emits a five-line bps margin record — interchange, FX spread, crypto spread, float value, and payout FX — so the operator captures the margin a third-party PSP would otherwise take at the last mile. Multi-rail settlement routing with per-currency treasury, net-position epoch hedging, and a pre-dispatch compliance gate sit behind well-scoped behaviours the operator wires to venue-specific endpoints.

The stack is chosen deliberately: BEAM (Elixir/OTP) where concurrency matters, native Rust and C++ hot paths where cycles matter, pure functions where decisions matter, TLA+ where correctness matters — three independent specifications cover ingest, routing, and hedging. Delivered as source: the v1.2 router and margin-capture core.