The authoritative visual model for understanding Granullo's governance flow.
Make sure money does what it's supposed to do.
Granullo governs. External systems execute.
All settlement and fund movement happens through regulated partner banks.
Client defines why the program exists and what it should achieve.
Eligibility criteria, spending constraints, and merchant rules are defined.
Multi-party alignment, approvals, and documentation across domains.
Settlement, fund movement, card issuance, and account operations.
Every decision, approval, and outcome is logged immutably.
Settlement occurs entirely outside Granullo. Banks move money, Granullo records the governance that allowed it.
Hold money
Funds never enter Granullo systems
Move funds
Settlement is executed by banks
Show balances
Balance data remains with banks
Replace bank systems
Banks retain full operational control
Act as a payment app
Granullo governs intent, not transactions
It is a Right to Spend: a digitally verified eligibility unit that authorizes a specific purchase at an approved merchant within program constraints.
Key Distinction: The DPP determines eligibility. The partner bank handles settlement. These are separate systems with a clear boundary.
All programs in Granullo follow one of four archetypes: governance templates with different defaults based on what the primary constraint is. Archetypes are NOT separate products or modules.
Programs where the intent or purpose is the primary constraint. Funds must be used for a specific purpose.
Programs where rules and policies are the primary constraint. Complex rules determine eligibility.
Programs where vendor relationships are the primary constraint. Controls based on who receives funds.
Programs where who qualifies is the primary constraint. Eligibility criteria determine access.
All archetypes share the same governance boundaries: Granullo records, banks execute.
The Governance Intelligence Layer (GIL) uses AI to generate plain-language explanations of governance history, design patterns, and audit context.
Explainability-only: All GIL outputs are stored as immutable governance artifacts. GIL explains governance history • it never makes decisions, approves transactions, or processes settlements.
Acme Corp provides ₹5,000/month fuel allowance to sales team
Only at approved fuel stations in Mumbai region
Bank approves escrow, HR confirms employee list
Bank issues cards, processes purchases, debits escrow
Granullo logs every decision for audit and compliance
How Granullo governs Universal Basic Income, Guaranteed Income pilots, and population-scale benefit programs • without selecting beneficiaries or disbursing funds.
Granullo does NOT: Select beneficiaries, store PII, disburse payments, or make eligibility decisions.
Settlement is executed by partner banks. Granullo records governance, rules, and outcomes.
v1.0 • This is the canonical reference. Do not duplicate elsewhere.