Transparent routes, minimal proofs.

1. Problem

People often jump from a vague financial intention to a product or transaction before naming their horizon, liquidity needs, uncertainty, and failure modes. Conversational interfaces can make that leap feel effortless while hiding assumptions. Navetra slows the moment down and makes the planning frame visible.

2. Planner logic

The current planner accepts a hypothetical goal and one of three self-described preferences: cautious, balanced, or opportunistic. A deterministic ruleset produces three to five educational steps. Each route includes fixed assumptions and a risk checklist. The system does not ingest balances, holdings, prices, taxes, identity records, or live market feeds. It never names a recommended asset or forecasts returns.

The same normalized inputs and rules produce the same route structure, apart from the receipt timestamp. Risk preference is not risk capacity, suitability, or advice.

3. AI honesty

No live AI model is configured in this release. “Intent-aware” describes how predefined rules adapt route structure to the chosen preference and goal text. Navetra does not claim inference, personalization, autonomous execution, or model-generated expertise. Future model-assisted features, if introduced, should show provenance, confidence limits, and a deterministic fallback.

4. Proof architecture

After a route is generated, the browser serializes a minimized payload containing the route version, normalized goal, preference, timestamp, and steps. Web Crypto computes a SHA-256 digest locally. The receipt is real cryptographic output, not a fabricated transaction ID. The full route stays on the device.

An optional proof action can place only the digest inside a zero-value self-transaction on the supported network. The wallet shows the transaction and estimated fee before submission. Status is local, pending, confirmed, or failed. Navetra does not invent a transaction hash or treat submission as confirmation.

5. Data minimization

Route inputs and outputs are held in page memory. Activation points are stored locally by public wallet address. The application has no account database. Wallet connection requests only public addresses and the current network. Public network records remain visible through independent infrastructure.

6. Points and optional boost

A connected wallet on the supported network becomes eligible for a separate, explicit local activation of 100 points. This requires no transaction. A second optional flow previews an exact 0.01 network-token payment for 200 points and requires a distinct wallet confirmation. The payment action is disabled in demo mode unless a live receiver is configured. No action runs automatically.

Points are non-transferable product participation markers with no cash value, ownership rights, yield, or guaranteed utility. They do not promise an airdrop. Future eligibility is possible but not assured.

7. Threat model

A compromised browser or device can alter inputs before hashing. A malicious extension can misrepresent wallet prompts. Phishing, address substitution, RPC failure, reorganization, replayed payloads, unavailable explorers, and incorrect clocks remain possible. A digest proves only that exact bytes existed; it does not prove the route is true, suitable, profitable, or acted upon.

Navetra reduces exposure by avoiding custody, swaps, allowances, token approvals, withdrawals, trading, full-route publication, hidden payments, and automatic wallet actions. Users must still review every prompt and independently verify network records.

8. Limitations

Navetra is not a financial adviser, broker, exchange, bank, custodian, tax adviser, or legal adviser. It does not assess personal circumstances or regulatory eligibility. Routes are educational checklists, not recommendations. Network fees and asset values can change. Software defects and third-party outages are possible.

9. Roadmap

Potential work includes portable receipt files, open route schemas, independent verification tools, audited proof contracts, clearer accessibility testing, and opt-in model assistance with visible provenance. Roadmap items are intentions, not commitments.

10. Disclosure

Use Navetra only for hypothetical education. Do not rely on it to make, execute, or validate a financial decision. Seek appropriately qualified independent advice where needed. Never share a seed phrase or private key.