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<?php /* MIT License Copyright (c) 2026 CBDC Simulator Permission is hereby granted, free of charge, to any person obtaining a copy of this software and associated documentation files (the "Software"), to deal in the Software without restriction, including without limitation the rights to use, copy, modify, merge, publish, distribute, sublicense, and/or sell copies of the Software, and to permit persons to whom the Software is furnished to do so, subject to the following conditions: THE SOFTWARE IS PROVIDED "AS IS", WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NONINFRINGEMENT. IN NO EVENT SHALL THE AUTHORS OR COPYRIGHT HOLDERS BE LIABLE FOR ANY CLAIM, DAMAGES OR OTHER LIABILITY, WHETHER IN AN ACTION OF CONTRACT, TORT OR OTHERWISE, ARISING FROM, OUT OF OR IN CONNECTION WITH THE SOFTWARE OR THE USE OR OTHER DEALINGS IN THE SOFTWARE. */ session_start(); class Wallet { public $id; public $owner; public $bank; public $country; public $balance = 0.0; public $offline_limit = 50.0; public $offline_balance = 0.0; public $is_offline = false; public $tier = "basic"; public $kyc_level = "none"; // none / basic / full public function __construct($owner, $bank, $country, $tier="basic", $kyc="none") { $this->id = uniqid("w_", true); $this->owner = $owner; $this->bank = $bank; $this->country = $country; $this->tier = $tier; $this->kyc_level = $kyc; } } class Transaction { public $tx_id; public $from_wallet; public $to_wallet; public $amount; public $timestamp; public $status; public $privacy; public $country; public $bank; public function __construct($from, $to, $amount, $status, $privacy, $country, $bank) { $this->tx_id = uniqid("tx_", true); $this->from_wallet = $from; $this->to_wallet = $to; $this->amount = $amount; $this->timestamp = date("Y-m-d H:i:s"); $this->status = $status; $this->privacy = $privacy; $this->country = $country; $this->bank = $bank; } } class Bank { public $id; public $name; public $country; public $reserve = 0.0; public function __construct($name, $country) { $this->id = uniqid("b_", true); $this->name = $name; $this->country = $country; } } class CentralBank { public $country; public $total_supply = 0.0; public $ledger = []; public $tx_log = []; public $banks = []; public $interbank_settlement = []; public $tax_rate = 0.05; public $excess_threshold = 500.0; public $negative_rate = -0.02; public $inflation = 0.02; // simple inflation proxy public $velocity = 1.0; // money velocity proxy public function __construct($country) { $this->country = $country; } public function create_bank($name) { $bank = new Bank($name, $this->country); $this->banks[$bank->id] = $bank; return $bank; } public function create_wallet($owner, $bank_id, $tier="basic", $kyc="none") { $bank = $this->banks[$bank_id]; $wallet = new Wallet($owner, $bank->id, $this->country, $tier, $kyc); $this->ledger[$wallet->id] = $wallet; return $wallet; } public function issue($wallet_id, $amount) { $wallet = $this->ledger[$wallet_id]; $wallet->balance += $amount; $this->total_supply += $amount; $tx = new Transaction(null, $wallet_id, $amount, "COMPLETED", "standard", $this->country, $wallet->bank); $this->tx_log[] = $tx; return $tx; } public function holding_limit($tier) { $limits = ["basic" => 1000, "standard" => 5000, "premium" => 20000]; return $limits[$tier] ?? 1000; } public function privacy_tier($wallet, $amount) { if ($amount <= 20) return "anonymous"; if ($amount <= 100) return "pseudonymous"; return "standard"; } public function transfer($from_id, $to_id, $amount, $offline=false) { $sender = $this->ledger[$from_id]; $receiver = $this->ledger[$to_id]; if ($receiver->balance + $amount > $this->holding_limit($receiver->tier)) { throw new Exception("Receiver holding limit exceeded."); } // KYC check if ($sender->kyc_level == "none" && $amount > 50) { throw new Exception("KYC required for transfers above 50."); } if ($offline) { if ($sender->offline_balance + $amount > $sender->offline_limit) { throw new Exception("Offline limit exceeded."); } $sender->offline_balance += $amount; $sender->balance -= $amount; $status = "COMPLETED_OFFLINE"; } else { if ($sender->balance < $amount) { throw new Exception("Insufficient funds."); } $sender->balance -= $amount; $receiver->balance += $amount; $status = "COMPLETED"; } $privacy = $this->privacy_tier($sender, $amount); $tx = new Transaction($from_id, $to_id, $amount, $status, $privacy, $this->country, $sender->bank); $this->tx_log[] = $tx; // interbank settlement if different banks if ($sender->bank !== $receiver->bank) { $this->settle_interbank($sender->bank, $receiver->bank, $amount); } return $tx; } public function settle_interbank($from_bank, $to_bank, $amount) { if (!isset($this->interbank_settlement[$from_bank])) { $this->interbank_settlement[$from_bank] = []; } if (!isset($this->interbank_settlement[$from_bank][$to_bank])) { $this->interbank_settlement[$from_bank][$to_bank] = 0.0; } $this->interbank_settlement[$from_bank][$to_bank] += $amount; } public function get_or_create_treasury() { foreach ($this->ledger as $w) { if ($w->owner == "Treasury") return $w; } $bank_id = array_key_first($this->banks); return $this->create_wallet("Treasury", $bank_id, "premium", "full"); } public function programmable_transfer($from_id, $to_id, $amount, $reason) { $sender = $this->ledger[$from_id]; $receiver = $this->ledger[$to_id]; $tax = $amount * $this->tax_rate; $net = $amount - $tax; $treasury = $this->get_or_create_treasury(); if ($sender->balance < $amount) { throw new Exception("Insufficient funds for programmable payment."); } $sender->balance -= $amount; $treasury->balance += $tax; $receiver->balance += $net; $tx = new Transaction($from_id, $to_id, $net, "COMPLETED_".$reason, "standard", $this->country, $sender->bank); $this->tx_log[] = $tx; if ($sender->bank !== $receiver->bank) { $this->settle_interbank($sender->bank, $receiver->bank, $net); } return [$tx, $tax]; } public function apply_negative_interest() { foreach ($this->ledger as $w) { if ($w->balance > $this->excess_threshold) { $excess = $w->balance - $this->excess_threshold; $penalty = $excess * abs($this->negative_rate); $w->balance -= $penalty; $this->total_supply -= $penalty; $tx = new Transaction($w->id, null, $penalty, "NEGATIVE_INTEREST", "standard", $this->country, $w->bank); $this->tx_log[] = $tx; } } } public function reconcile_offline($wallet_id) { $w = $this->ledger[$wallet_id]; $w->offline_balance = 0; } public function simulate_crisis($severity=0.3) { if (rand(0, 100) / 100 <= $severity) { foreach ($this->ledger as $w) $w->is_offline = true; } $run_count = intval(count($this->ledger) * $severity); $keys = array_keys($this->ledger); for ($i=0; $i<$run_count; $i++) { $w = $this->ledger[$keys[array_rand($keys)]]; if ($w->balance > 0) { $withdraw = min($w->balance, rand(10, 200)); $w->balance -= $withdraw; $this->total_supply -= $withdraw; $tx = new Transaction($w->id, null, $withdraw, "BANK_RUN_WITHDRAWAL", "standard", $this->country, $w->bank); $this->tx_log[] = $tx; } } } public function macro_dashboard() { // simple velocity proxy: $this->velocity = max(0.1, min(5.0, count($this->tx_log) / max(1, count($this->ledger)))); $inflation = $this->inflation + 0.01 * ($this->velocity - 1.0); return [ "total_supply" => $this->total_supply, "velocity" => round($this->velocity, 2), "inflation" => round($inflation, 4) ]; } public function offline_conflict_resolution() { // naive conflict resolution: // if two offline spends exceed balance, reject the second. foreach ($this->ledger as $w) { if ($w->offline_balance > $w->balance + $w->offline_limit) { $w->offline_balance = $w->offline_limit; } } } } // Load or initialize if (!isset($_SESSION['cb1'])) { $cb1 = new CentralBank("CountryA"); $bankA1 = $cb1->create_bank("BankA1"); $bankA2 = $cb1->create_bank("BankA2"); $_SESSION['cb1'] = serialize($cb1); $cb2 = new CentralBank("CountryB"); $bankB1 = $cb2->create_bank("BankB1"); $bankB2 = $cb2->create_bank("BankB2"); $_SESSION['cb2'] = serialize($cb2); } $cb1 = unserialize($_SESSION['cb1']); $cb2 = unserialize($_SESSION['cb2']); function walletOptions($cb) { $opts = []; foreach ($cb->ledger as $id => $w) { $opts[$id] = "{$w->owner} ({$w->bank})"; } return $opts; } // Handle POST if ($_SERVER['REQUEST_METHOD'] === 'POST') { try { // Country selection $country = $_POST['country'] ?? "A"; $cb = ($country == "A") ? $cb1 : $cb2; if (isset($_POST['create_wallet'])) { $owner = $_POST['owner']; $tier = $_POST['tier']; $kyc = $_POST['kyc']; $bank_id = $_POST['bank_id']; $cb->create_wallet($owner, $bank_id, $tier, $kyc); } if (isset($_POST['issue'])) { $wallet_id = $_POST['wallet_id']; $amount = floatval($_POST['amount']); $cb->issue($wallet_id, $amount); } if (isset($_POST['transfer'])) { $from = $_POST['from']; $to = $_POST['to']; $amount = floatval($_POST['amount']); $offline = isset($_POST['offline']); $cb->transfer($from, $to, $amount, $offline); } if (isset($_POST['prog_transfer'])) { $from = $_POST['from2']; $to = $_POST['to2']; $amount = floatval($_POST['amount2']); $reason = $_POST['reason']; $cb->programmable_transfer($from, $to, $amount, $reason); } if (isset($_POST['negative_interest'])) { $cb->apply_negative_interest(); } if (isset($_POST['reconcile'])) { foreach ($cb->ledger as $id => $w) $cb->reconcile_offline($id); } if (isset($_POST['crisis'])) { $severity = floatval($_POST['severity']); $cb->simulate_crisis($severity); } if (isset($_POST['resolve'])) { $cb->offline_conflict_resolution(); } // Save back if ($country == "A") { $_SESSION['cb1'] = serialize($cb); } else { $_SESSION['cb2'] = serialize($cb); } } catch (Exception $e) { $error = $e->getMessage(); } } $macroA = $cb1->macro_dashboard(); $macroB = $cb2->macro_dashboard(); ?> <!doctype html> <html> <head> <title>CBDC Simulator (PHP)</title> <style> body { font-family: Arial, sans-serif; margin: 20px; } .container { display: flex; flex-wrap: wrap; } .box { border: 1px solid #ddd; padding: 20px; margin: 10px; width: 400px; } .wallet { padding: 5px 0; } .error { color: red; } </style> </head> <body> <h1>🚀 CBDC Simulator (PHP) - Full 2026 Prototype</h1> <?php if (isset($error)) echo "<div class='error'>$error</div>"; ?> <div class="container"> <div class="box"> <h3>Country</h3> <form method="post"> <select name="country"> <option value="A">Country A</option> <option value="B">Country B</option> </select> <button>Switch</button> </form> <h3>Create Wallet</h3> <form method="post"> <input type="text" name="owner" placeholder="Owner name" required> <select name="country" style="display:none;"> <option value="A">A</option> <option value="B">B</option> </select> <select name="bank_id"> <?php $cb = ($country == "A") ? $cb1 : $cb2; foreach ($cb->banks as $id => $b) { echo "<option value='$id'>{$b->name}</option>"; } ?> </select> <select name="tier"> <option value="basic">basic</option> <option value="standard">standard</option> <option value="premium">premium</option> </select> <select name="kyc"> <option value="none">none</option> <option value="basic">basic</option> <option value="full">full</option> </select> <button name="create_wallet">Create</button> </form> <h3>Issue CBDC</h3> <form method="post"> <select name="wallet_id"> <?php foreach (walletOptions($cb) as $id => $name): ?> <option value="<?= $id ?>"><?= $name ?></option> <?php endforeach; ?> </select> <input type="number" name="amount" step="1" value="100"> <button name="issue">Issue</button> </form> <h3>Transfer</h3> <form method="post"> <select name="from"> <?php foreach (walletOptions($cb) as $id => $name): ?> <option value="<?= $id ?>"><?= $name ?></option> <?php endforeach; ?> </select> <select name="to"> <?php foreach (walletOptions($cb) as $id => $name): ?> <option value="<?= $id ?>"><?= $name ?></option> <?php endforeach; ?> </select> <input type="number" name="amount" step="1" value="10"> <label><input type="checkbox" name="offline"> Offline</label> <button name="transfer">Transfer</button> </form> <h3>Programmable Transfer (Taxed)</h3> <form method="post"> <select name="from2"> <?php foreach (walletOptions($cb) as $id => $name): ?> <option value="<?= $id ?>"><?= $name ?></option> <?php endforeach; ?> </select> <select name="to2"> <?php foreach (walletOptions($cb) as $id => $name): ?> <option value="<?= $id ?>"><?= $name ?></option> <?php endforeach; ?> </select> <input type="number" name="amount2" step="1" value="20"> <input type="text" name="reason" value="SUBSIDY"> <button name="prog_transfer">Programmable</button> </form> </div> <div class="box"> <h3>Controls</h3> <form method="post"> <button name="negative_interest">Apply Negative Interest</button> </form> <form method="post"> <button name="reconcile">Reconcile Offline</button> </form> <form method="post"> <label>Severity: <input type="range" name="severity" min="0" max="1" step="0.1" value="0.3"></label> <button name="crisis">Simulate Crisis</button> </form> <form method="post"> <button name="resolve">Offline Conflict Resolve</button> </form> <h3>Macro Dashboard</h3> <div> <strong>Country A:</strong> Supply=<?= number_format($macroA['total_supply'],2) ?>, Velocity=<?= $macroA['velocity'] ?>, Inflation=<?= $macroA['inflation'] ?><br> <strong>Country B:</strong> Supply=<?= number_format($macroB['total_supply'],2) ?>, Velocity=<?= $macroB['velocity'] ?>, Inflation=<?= $macroB['inflation'] ?> </div> </div> <div class="box"> <h3>Ledger State</h3> <div> <strong>Total Supply:</strong> <?= number_format($cb->total_supply, 2) ?><br><br> <?php foreach ($cb->ledger as $w): ?> <div class="wallet"> <strong><?= $w->owner ?></strong> (<?= $w->tier ?>, KYC: <?= $w->kyc_level ?>)<br> Bank: <?= $cb->banks[$w->bank]->name ?><br> Balance: <?= number_format($w->balance, 2) ?><br> Offline: <?= number_format($w->offline_balance, 2) ?><br> Status: <?= $w->is_offline ? "OFFLINE" : "ONLINE" ?> </div> <?php endforeach; ?> </div> <h3>Last Transactions</h3> <div> <?php foreach (array_slice($cb->tx_log, -10) as $tx): ?> <div> <?= $tx->timestamp ?> — <?= $tx->status ?> — <?= number_format($tx->amount, 2) ?> — <?= $tx->privacy ?> </div> <?php endforeach; ?> </div> </div> </div> </body> </html>
Output for git.master
Warning: Undefined array key "REQUEST_METHOD" in /in/H0UFt on line 302 <!doctype html> <html> <head> <title>CBDC Simulator (PHP)</title> <style> body { font-family: Arial, sans-serif; margin: 20px; } .container { display: flex; flex-wrap: wrap; } .box { border: 1px solid #ddd; padding: 20px; margin: 10px; width: 400px; } .wallet { padding: 5px 0; } .error { color: red; } </style> </head> <body> <h1>🚀 CBDC Simulator (PHP) - Full 2026 Prototype</h1> <div class="container"> <div class="box"> <h3>Country</h3> <form method="post"> <select name="country"> <option value="A">Country A</option> <option value="B">Country B</option> </select> <button>Switch</button> </form> <h3>Create Wallet</h3> <form method="post"> <input type="text" name="owner" placeholder="Owner name" required> <select name="country" style="display:none;"> <option value="A">A</option> <option value="B">B</option> </select> <select name="bank_id"> Warning: Undefined variable $country in /in/H0UFt on line 407 <option value='b_6986cc7b038513.91629816'>BankB1</option><option value='b_6986cc7b038549.57824200'>BankB2</option> </select> <select name="tier"> <option value="basic">basic</option> <option value="standard">standard</option> <option value="premium">premium</option> </select> <select name="kyc"> <option value="none">none</option> <option value="basic">basic</option> <option value="full">full</option> </select> <button name="create_wallet">Create</button> </form> <h3>Issue CBDC</h3> <form method="post"> <select name="wallet_id"> </select> <input type="number" name="amount" step="1" value="100"> <button name="issue">Issue</button> </form> <h3>Transfer</h3> <form method="post"> <select name="from"> </select> <select name="to"> </select> <input type="number" name="amount" step="1" value="10"> <label><input type="checkbox" name="offline"> Offline</label> <button name="transfer">Transfer</button> </form> <h3>Programmable Transfer (Taxed)</h3> <form method="post"> <select name="from2"> </select> <select name="to2"> </select> <input type="number" name="amount2" step="1" value="20"> <input type="text" name="reason" value="SUBSIDY"> <button name="prog_transfer">Programmable</button> </form> </div> <div class="box"> <h3>Controls</h3> <form method="post"> <button name="negative_interest">Apply Negative Interest</button> </form> <form method="post"> <button name="reconcile">Reconcile Offline</button> </form> <form method="post"> <label>Severity: <input type="range" name="severity" min="0" max="1" step="0.1" value="0.3"></label> <button name="crisis">Simulate Crisis</button> </form> <form method="post"> <button name="resolve">Offline Conflict Resolve</button> </form> <h3>Macro Dashboard</h3> <div> <strong>Country A:</strong> Supply=0.00, Velocity=0.1, Inflation=0.011<br> <strong>Country B:</strong> Supply=0.00, Velocity=0.1, Inflation=0.011 </div> </div> <div class="box"> <h3>Ledger State</h3> <div> <strong>Total Supply:</strong> 0.00<br><br> </div> <h3>Last Transactions</h3> <div> </div> </div> </div> </body> </html>
Output for git.master_jit
Warning: Undefined array key "REQUEST_METHOD" in /in/H0UFt on line 302 <!doctype html> <html> <head> <title>CBDC Simulator (PHP)</title> <style> body { font-family: Arial, sans-serif; margin: 20px; } .container { display: flex; flex-wrap: wrap; } .box { border: 1px solid #ddd; padding: 20px; margin: 10px; width: 400px; } .wallet { padding: 5px 0; } .error { color: red; } </style> </head> <body> <h1>🚀 CBDC Simulator (PHP) - Full 2026 Prototype</h1> <div class="container"> <div class="box"> <h3>Country</h3> <form method="post"> <select name="country"> <option value="A">Country A</option> <option value="B">Country B</option> </select> <button>Switch</button> </form> <h3>Create Wallet</h3> <form method="post"> <input type="text" name="owner" placeholder="Owner name" required> <select name="country" style="display:none;"> <option value="A">A</option> <option value="B">B</option> </select> <select name="bank_id"> Warning: Undefined variable $country in /in/H0UFt on line 407 <option value='b_6986cc7b0af613.56306024'>BankB1</option><option value='b_6986cc7b0af653.66606889'>BankB2</option> </select> <select name="tier"> <option value="basic">basic</option> <option value="standard">standard</option> <option value="premium">premium</option> </select> <select name="kyc"> <option value="none">none</option> <option value="basic">basic</option> <option value="full">full</option> </select> <button name="create_wallet">Create</button> </form> <h3>Issue CBDC</h3> <form method="post"> <select name="wallet_id"> </select> <input type="number" name="amount" step="1" value="100"> <button name="issue">Issue</button> </form> <h3>Transfer</h3> <form method="post"> <select name="from"> </select> <select name="to"> </select> <input type="number" name="amount" step="1" value="10"> <label><input type="checkbox" name="offline"> Offline</label> <button name="transfer">Transfer</button> </form> <h3>Programmable Transfer (Taxed)</h3> <form method="post"> <select name="from2"> </select> <select name="to2"> </select> <input type="number" name="amount2" step="1" value="20"> <input type="text" name="reason" value="SUBSIDY"> <button name="prog_transfer">Programmable</button> </form> </div> <div class="box"> <h3>Controls</h3> <form method="post"> <button name="negative_interest">Apply Negative Interest</button> </form> <form method="post"> <button name="reconcile">Reconcile Offline</button> </form> <form method="post"> <label>Severity: <input type="range" name="severity" min="0" max="1" step="0.1" value="0.3"></label> <button name="crisis">Simulate Crisis</button> </form> <form method="post"> <button name="resolve">Offline Conflict Resolve</button> </form> <h3>Macro Dashboard</h3> <div> <strong>Country A:</strong> Supply=0.00, Velocity=0.1, Inflation=0.011<br> <strong>Country B:</strong> Supply=0.00, Velocity=0.1, Inflation=0.011 </div> </div> <div class="box"> <h3>Ledger State</h3> <div> <strong>Total Supply:</strong> 0.00<br><br> </div> <h3>Last Transactions</h3> <div> </div> </div> </div> </body> </html>

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