EstaliaX Project Overview

EstaliaX is a “TourTech-as-a-Service” infrastructure that knits together travellers, merchants and city administrators through a single RWA-linked payment, loyalty & data hub. Kicking off in Bangkok and radiating out to Pattaya, Phuket and other Asian hotspots, the platform strives to slash payment & marketing costs while lifting transparency across the region’s visitor economies.

By unifying payment + loyalty + data into one flow, EstaliaX is engineered to deliver three core values at once: lower fees, faster settlement and radical data transparency.

The roadmap moves from a Bangkok pilot → nationwide Thai roll-out → major ASEAN tourist hubs. A purpose-built token economy and risk-buffer framework aim to support sustainable yield and stable pegs as network volume scales.

Self-Reinforcing Value Loop

Stakeholder	Expected Benefit
Travellers	One-tap payments with no FX spread and minimal KYC friction
Local Businesses	Lower fees, rapid local-fiat settlement, increased foreign foot-fall
EstaliaX Ecosystem	Sustainable revenue from transaction fees and data-driven services

Network effect: payments, loyalty incentives and data feeds continuously reinforce one another, so benefits—and overall utility—amplify as more participants onboard.

Market Background & Opportunity

Macro Indicators of Thailand’s Tourism Sector

Visitor Recovery : ≈ 28 million international arrivals in 2023; TAT targets 34–35 million in 2024 (≈ 80 % of the 2019 peak).
Spending Potential : 2023 average daily spend ≈ THB 4 000 / USD 110 per tourist — 10–20 % below 2019, leaving upside.
Digital-Payment Adoption : National QR scheme PromptPay tops 77 million IDs; surveys show > 70 % of visitors prefer mobile payments.
Policy Tailwinds : Visa waivers and stimulus programs aim to lift tourism’s GDP share above 9 %.

Structural Pain Points & EstaliaX Lift

Stakeholder	Current Frictions	Opportunity via EstaliaX
Travellers	Cash handling & FX fees; card surcharges; manual VAT paperwork	One-tap QR/NFC spend through XP pegged 1 : 1 to local fiat
Merchants	Settlement delays; charge-back risk; limited tourist-spend data	Low-cost, rapid fiat settlement plus on-chain analytics
Cities / DMOs	Fragmented insight into visitor flows & spend	Real-time tourism intelligence from on-chain receipts

EstaliaX Opportunity Window

Unified Payment Hub — collapses multi-currency complexity into one XP ↔ fiat rail.
On-Chain Data × Programmable Loyalty — transparent transactions can trigger auto-rewards.
Public-Private Partnerships — positioned to align with national digital-economy agendas.

Visitor recovery is robust, yet payment and loyalty systems remain fragmented. A Blockchain + RWA payment layer puts EstaliaX in position to deliver measurable value to tourists, merchants and public stakeholders alike.

Problem Definition — Why EstaliaX?

Stakeholder Pain Points

Stakeholder	Current Pain Points	Resulting Impact
Tourists	• Cash handling & FX fees • Card failures / high surcharges • Paper coupons & VAT-refund forms	Lower spending, weaker intent to revisit
Merchants (Retail / F&B)	• Multi-layer card fees & charge-back risk • Settlement delays • Limited data on foreign-spend behaviour	Margin erosion, higher acquisition cost
Local Travel Agencies / SMEs	• Global OTA / platform payouts arrive 30–45 days later • Working capital locked during peak season	Cash-flow strain, limited ability to scale or improve service
PSPs / Banks	• FX, remittance, KYC overhead • Fragmented tech & regulatory stack	High barriers to serving low-ticket tourist payments
Tourism Boards / Municipalities	• Limited real-time insight into visitor flows & spend • Illegal QR or grey-zone FX risk	Hard to measure policy ROI, tax leakages
Resorts / Attractions	• Siloed ticket, F&B, retail payment systems • High cost to launch loyalty programmes	Broken customer journey, sub-optimal revenue mix

Constraints of the Current Payment Layer

Multi-currency / multi-rail overload – tourists juggle cash, cards and e-wallets while merchants maintain multiple terminals & contracts.
High all-in cost – card MDR + FX/DCC + cash-handling risk.
Data black hole – payment, loyalty and marketing data sit in silos; no holistic view of tourist value.
Long settlement lag (30–45 days) – OTA / platform funds are cascaded through multiple intermediaries before reaching local operators.

Loyalty & Promotion Layer Constraints

Manual / off-line coupons are prone to fraud and delayed settlement.
App proliferation splinters points across many wallets.
Unclear ROI – conversions and repeat visits are hard to track in real time.

Regulatory & Trust Layer Constraints

Opaque cash or voucher flows hinder tax transparency and audit.
Unlicensed QR codes or FX booths create AML/KYC grey zones.
No verifiable data trail to prove the impact of grants or tourism subsidies.

Today’s tourism payment & loyalty stack is squeezed by high cost, data fragmentation, and prolonged settlement delays. EstaliaX introduces a unified XP ↔ fiat rail plus an on-chain loyalty & data layer to tackle all three bottlenecks, delivering convenience, cost savings, and transparency for tourists, merchants, and the public sector alike.

Solution

Solution Strategy — How EstaliaX Solves the Problem

Vision

EstaliaX is building a “TourTech-as-a-Service” platform that consolidates payments, rewards, data and compliance into a single gateway. The objective is to eliminate multi-layer fees, data silos, slow & opaque settlements and other frictions that plague leading tourist hubs across Asia.

Core Principles

Principle	Application	Expected Benefit
Unification	Instant swap of ESXA / card / cash / USDT → XP (1 : 1 fiat) → QR/NFC payment	Collapses multi-rail complexity; lowers FX and fee friction
Instant Settlement	PSP auto-burns XP and wires local fiat in near-real-time	Is designed to shorten prolonged payout lags seen with many OTAs; boosts merchant cash-flow
Programmability	Cashback, quests and tier discounts delivered by smart contracts	Brands & DMOs launch campaigns with one click, no manual ops
Compliance-by-Design	Licensed PSP issues XP & handles AML/KYC via embedded APIs	Aligns with e-money and remittance rules; earns institutional trust
Risk Mitigation	Slice of every fee auto-flows to a price-risk pool	Architecture aims to deliver more predictable fiat payouts while buffering most short-term FX volatility

Strategic Modules

XP Gateway — Unifies multi-currency funding into a single XP ↔ fiat rail; POS & mobile SDK included.
Real-Time Settlement Rail — Integrates XP burn with PSP RTGS/ACH to enable rapid local-currency payouts.
Smart Loyalty Engine — One-click cashback, quest and tier rules; supports offline NFT stamp quests.
Tourism Insight Dashboard — Visualises on-chain receipt metadata for origin, spend pattern and campaign ROI in real time.
Risk & Reserve Framework — Fee-funded pool automatically covers oracle/DEX slippage and extreme FX moves; balance publicly auditable.

Expected Outcomes

Stakeholder	Tangible Benefit
Tourists	Tap-to-pay without cash or FX; instant rewards
Merchants	Lower total cost; rapid local-currency settlement; actionable visitor data
Public Sector	Real-time tourism metrics; reduction of grey-market transactions
EstaliaX Ecosystem	Sustainable revenue from transaction fees and data services

By combining an XP payment rail, near-real-time settlement , programmable loyalty, transparent data and a built-in risk cushion, EstaliaX targets simultaneous gains in cost efficiency, cash-flow speed and systemic trust across Asia’s busiest travel corridors.

Technical Architecture

Layered Overview

Layer	Core Components	Primary Responsibility
Experience (Edge)	Traveler Wallet · Merchant POS SDK · Admin Dashboard	Multilingual UX, QR/NFC payment trigger, reward display
Gateway (API)	REST / gRPC Gateway, Auth & Rate-Limiter, WebSocket Bus	Session security, routing, signed-tx dispatch
Settlement Core	XP Swap Engine, Oracle Hub (Chainlink TWAP), PSP Bridge	Locks ESXA/USDT → mints / burns XP; split-route DEX swaps; local-fiat payout instruction
Loyalty & Risk	Smart-Loyalty SC · NFT Quest SC · Price-Risk Pool SC	Auto-distributes cashback & quests; allocates a slice of each fee to the reserve pool
Data & Compliance	On-Chain Receipt Indexer · Off-Chain Data Lake · AML/KYC API	Immutable e-receipt hashes; real-time BI; regulator & audit endpoints
Infrastructure	Kubernetes (AWS/GCP) · HSM Key Vault · Base L2 Contracts	Auto-scaling HA clusters, secret management, cross-region fail-over

End-to-End Transaction Flow

Payment Request — POS generates a QR/NFC payload; wallet signs (EIP-712) and broadcasts.
Rate Lock-In — Gateway pulls short-window TWAP from Chainlink; hashes ESXA ↔ fiat rate into the tx.
Swap & Mint — XP Swap Engine executes multi-route DEX swap and mints XP at a 1 : 1 fiat peg.
Loyalty Trigger — Receipt hash hits Loyalty SC, triggering instant cashback / quest update.
Fiat Settlement — PSP Bridge batch-burns XP at regular intervals and wires local currency to merchant bank (RTGS/ACH).
Risk Allocation — Pre-defined share of every fee auto-flows to the Price-Risk Reserve.
Analytics Stream — Indexer parses receipt metadata and streams to BI dashboards for spend & foot-traffic insight.

Fees & Governance (Indicative)

The project currently targets a low single-digit baseline transaction fee; the parameter remains subject to DAO governance decisions or regulatory guidance.

By fusing a high-speed XP payment rail, programmable loyalty, transparent data and a built-in risk buffer into a cloud-native, audit-ready stack, EstaliaX seeks to deliver simultaneous reductions in cost, gains in convenience and an elevated trust level across Asia’s leading tourist destinations.

End-to-End Payment Flow — Current Design

Step	Actor	Key Action	Risk / Safeguard
1	Wallet → POS	POS generates QR / NFC payload → wallet signs via EIP-712 and broadcasts.	Signature verification blocks tampering.
2	API Gateway	Calls Chainlink short-window TWAP; hashes ESXA ↔ fiat rate into the tx.	Keeps price exposure to a few seconds.
3	XP Swap Engine	Executes split-route swap across multiple DEXs; mints XP at a 1 : 1 fiat peg.	Multi-route execution minimises slippage.
4	Loyalty SC	Receipt hash instantly triggers cashback / quest / tier update.	Smart contracts are intended to automate distribution of rewards
5	PSP Bridge	Batches XP burn → remits local fiat to merchant bank via RTGS / ACH.	Licensed PSP; funds held in trust until payout.
6	Risk Pool SC	Allocates a slice of each fee to the price-risk reserve.	Reserve auto-covers extreme FX moves.
7	Indexer → BI	Parses receipt metadata and streams to real-time dashboards.	Provides spend & foot-traffic analytics for merchants and DMOs.

Design status: the flow above is being engineered to automate everything from signature to local-currency settlement while embedding real-time rewards, risk coverage and data visibility. Final parameters will be confirmed after regulatory review and pilot feedback.

Token Structure & Utilization (Planned)

Dual-Asset Overview

Category	ESXA — Utility Token	XP Point — In-App Payment Unit^*
Form	ERC-20 issued on Base L2	Pre-paid point, pegged 1 : 1 to local fiat
Supply	Fixed — 1 B ESXA (see allocation)	Elastic: minted on top-up, burned on spend
Main Roles	• Medium to purchase XP • Network & service-fee payment • Access to VIP tiers / campaigns	• Everyday QR / NFC payments • Cashback, quest, tier discounts
Economic Loop	ESXA is consumed whenever XP is purchased; a share of each fee is permanently removed from circulation.	Merchants receive XP and are settled in local fiat by a licensed PSP.
Illustrative Use	Tourist tops up ESXA → swaps to XP → spends; Brand stakes ESXA to unlock premium quests.	Café receives XP; PSP converts to fiat at day-end.

^*XP Points are internal settlement credits; they are not blockchain tokens and have no secondary-market transferability outside the EstaliaX system.

Planned ESXA Allocation

Bucket	Share %	Tokens
Ecosystem Incentives	30	300 000 000
Sales (Seed / Private / Public)	25	250 000 000
Marketing & Community	15	150 000 000
DAO Treasury Reserve	15	150 000 000
Team	7	70 000 000
Advisors	3	30 000 000
Infrastructure & Partnerships	5	50 000 000
Total Supply	100	1 000 000 000

ESXA is designed to serve as the ecosystem’s value-accrual token — powering XP top-ups, fee payments and community incentives — while XP Points deliver a fiat-pegged, seamless payment and reward experience on the ground. The dual-asset design aims to align token demand with real-world spending and merchant adoption across high-traffic tourist markets.

Revenue Model (Planned)

Revenue Channel	Description	Value Rationale
Transaction Fee	Low single-digit fee applied to every XP payment; split across protocol treasury, loyalty rewards and the price-risk pool.	Creates stable, recurring cash flow that scales with payment volume.
XP ↔ Fiat Spread	Small FX spread when XP is redeemed for local currency—kept lower than card-network FX fees.	Captures a “convenience premium” while remaining attractive to users.
Float Interest	Short-term interest on fiat balances held in trust accounts before merchant payout.	Generates low-risk yield without delaying settlements.
Loyalty & Marketing Packages	Brands fund AR quests, tiered cashback or limited-time XP bonuses; EstaliaX charges management / performance fees.	Turns the on-chain reward rail into a service-based revenue stream.
Merchant Onboarding & Premium Analytics	One-off integration fee plus subscription for real-time tourist & revenue dashboards.	Data-insight-driven SaaS model that offsets support costs.
White-Label Licensing	Licenses the XP payment stack to resorts, cities or transport operators under revenue-share agreements.	Expands network effects without heavy capex.
Data API (Opt-in)	Tiered access to aggregated, anonymised spend data for tourism boards, FMCG brands and research firms.	Privacy-safe ancillary revenue channel.

Key Takeaways : (1) All revenue streams are designed to tie directly to real-world payment volume and tourism spend, naturally reinforcing token and platform incentives. (2) Fee rates, spreads and licensing terms remain subject to DAO governance outcomes and applicable regulatory guidance.

Regulatory & Compliance Considerations (Planned)

Note : The items below outline a preliminary regulatory direction. They do not constitute formal legal advice, nor do they indicate that any licence application has been finalised or approved.

Token Classification (Working Assumption)
• ESXA is currently analysed under Thai law as either a Digital Payment Token or a Utility Token.
• The final classification remains uncertain until the competent regulators provide written guidance.
Fiat Flow Architecture
• All local-currency settlements are intended to be processed through a duly licensed PSP (Payment Service Provider).
• Staking rewards are structured as service rewards to mitigate investment-contract (securities) risk.
KYC / AML / E-Money Alignment
• PSP, KYC and AML workflows aim for full compliance with Thai e-money and digital-asset regulations at launch.
Staking Yield Disclosure
• Any advertised yield will be phrased as “up to XX %” and will explicitly state no guarantee of principal or return.
Change Control
• All figures and policies may be amended, postponed or withdrawn in response to market conditions, regulatory guidance or future DAO resolutions.

EstaliaX Project Conclusion
“RWA-Powered TourTech at the Convergence”

EstaliaX aims to set a new standard for tourism finance by combining an RWA-backed settlement structure, a single XP ↔ local-fiat rail, and a programmable loyalty + data layer. The goal is to neutralise long-standing pain points in the sector — multi-layer costs, delayed settlements, and fragmented data — in one integrated stack.

Core Value	Why It Matters	How (It’s Planned to Be) Achieved*
Cost & Speed	Aims to significantly reduce the layered costs associated with cards, FX and coupon systems; Seeks to enable rapid local-currency settlement.	Licensed PSP bridge · risk pool · multi-DEX swap architecture
Data Transparency	Tourism spend is a “black box,” hindering policy and marketing ROI.	Every receipt hashed on-chain → real-time BI dashboards
Diversified Revenue	Relies on more than just payment fees.	Premium loyalty, data APIs, white-label SDKs, and more
Scalability & Trust	Closed coupons/points struggle to cover an entire ecosystem.	RWA-linked payments · DAO transition roadmap · regulatory sandbox dialogue

*All methods are tentative and may be refined as technical and regulatory reviews progress.

Indicative Roadmap

Timeline	Planned Milestones
2025 H2 – 2026 H1	Secure pilot partners in Bangkok & Pattaya · design PoC
2026 H2	Launch core service in Bangkok corridor · activate initial RWA–XP liquidity pool
Post-2026 H2	Regulatory licence dialogue · expand to ASEAN hotspots · phased DAO hand-off

“Travellers pay without friction, merchants stop worrying about settlement, and cities & brands gain instant data insights.”

To realise this next-gen RWA-powered tourism fintech layer, the EstaliaX team intends to follow a clear path: Pilot → Commercial rollout → DAO transition.

📨 We’re Looking for Partners

Category	Ideal Profiles
Strategic Partners	PSPs · Banks · Resort Groups · Marketing Platforms
Infrastructure Allies	Oracle Providers · Security Auditors · Cloud Operators
Early Community & Investors	Governance design · Token-economy feedback

Now is the perfect moment to define a new global standard at the intersection of Tourism · FinTech · Blockchain (RWA). Questions or proposals? Reach us anytime at info@estaliax.io.

Disclaimer

This document is an informational summary of the EstaliaX project’s concepts, structure and roadmap. All statements remain preliminary and may be amended, delayed or withdrawn at any time, without prior notice, in response to regulatory changes, market conditions, internal policy or future DAO resolutions.

No Investment / Securities / Solicitation
• This document does not constitute an investment offer, securities issuance, public solicitation or any legally binding commitment.
• ESXA tokens and XP points are intended solely for use, payment and rewards; no dividends, profits or principal guarantees are promised.
• Digital assets may be deemed securities, derivatives or collective-investment schemes in certain jurisdictions. Independent legal and tax advice is strongly recommended.
Forward-Looking Statements (FLS)
• Expressions such as “aim,” “intend,” or “target” indicate goals only and do not guarantee outcomes.
• Actual results may diverge owing to technology hurdles, legislative shifts, competition, funding delays and other external factors.
Regulatory & Legal Risk
• Rules governing digital assets, e-money, PSPs and KYC/AML vary by country and are subject to change.
• Regulatory shifts could require the business model to be modified, scaled back or discontinued.
Technology & Security Risk
• Blockchains, smart contracts, oracles, DEXs and cloud infrastructure may suffer hacks, bugs or vulnerabilities.
• Any resulting loss is deemed the sole responsibility of the user.
Market, Liquidity & Price Volatility
• Digital-asset prices can be extremely volatile; ESXA could lose all value.
• Under severe market stress, the XP-to-fiat peg may temporarily deviate.
Tax & Accounting
• Token holding, transfer, swap, staking or rewards may incur tax liabilities. Participants are responsible for their own reporting and compliance.
Limitation of Liability
• The project team, partners and advisors accept no liability for direct or indirect losses (financial, data or opportunity cost) arising from the use of this material.
• All information is provided “as is,” without warranties of accuracy or completeness.
Governing Law & Jurisdiction
• Distribution of this document does not automatically create legal effect in the reader’s jurisdiction.
• Any dispute will be governed by the law and courts designated by the project, subject to mandatory local statutes.
Document Changes (No Prior Notice)
• This disclaimer and all project documents may be amended, supplemented or withdrawn at any time, without prior announcement.
• Failure to review updated versions is at the sole risk of the reader.

Important: Any legal, financial or technical loss incurred from reading, sharing, participating in or transacting with the project after reviewing this document is borne entirely by the individual. The EstaliaX team monitors regulatory, technological and market developments but provides no guarantee of outcomes.