System Architecture
Last updated
Last updated
The MIH platform is designed as a hybrid system that integrates both on-chain and off-chain components.
The on-chain layer consists of the blockchain network where $MIH and smart contracts operate. The off-chain layer includes the PG servers and databases responsible for real-time transaction processing and user authentication.
This dual-layer architecture ensures the trustlessness of decentralization while retaining the speed and performance of centralized systems.
MIH is built on the BNB Smart Chain (BSC), which is compatible with the Ethereum Virtual Machine (EVM). The native token, $MIH, is issued according to the BEP-20 token standard. To support multi-chain expansion, future plans include deployment on Ethereum Layer 2 networks as well.
On the blockchain, key DeFi functionalities—such as token issuance and burning, staking rewards—are implemented as smart contracts, providing full transparency. For example, when a user stakes $MIH, the reward is calculated and distributed automatically based on predefined contract rules, without any centralized involvement.
In actual retail or online merchant environments, off-chain components—particularly the PG server—play a critical role in processing $MIH payments. When a user initiates a transaction, the PG server facilitates blockchain interaction and, if necessary, pre-settles the payment using its internal liquidity while awaiting blockchain confirmation. This ensures a smooth user experience.
The typical payment process is as follows:
Payment Request: The user selects $MIH as the payment method at checkout. The PG server receives relevant information such as payment amount and wallet address.
Price Conversion: The PG server calculates the equivalent amount of $MIH in real time using a price oracle or exchange rate API.
Balance Verification & Transaction Creation: The server checks whether the user’s web wallet or linked wallet has sufficient balance. If so, it calls the appropriate smart contract to create a payment transaction (transferring $MIH from the user to the merchant’s wallet address).
Blockchain Verification: The transaction is broadcast to the blockchain network, validated by nodes, and included in a block. This ensures immutability and transparency. Initial confirmation is typically completed within a few seconds to tens of seconds.
Confirmation & Notification: After a sufficient number of confirmations, the transaction is deemed complete. The PG server then sends a callback or notification to the merchant, allowing them to proceed with fulfilling the order.
Settlement Processing: The merchant can choose to receive settlement either in fiat currency or in $MIH.
Currently, payments using $MIH and USDC are supported, and future updates will include support for fiat currency payments as well.