# **CERTIFICACIÓN OFICIAL - SPPI TOKENIZADO CON NEUROCOIN**
## **SISTEMA INTEGRADO SPPI-TOKEN CON IA**
**Documento Técnico-Comercial Certificado**
**Para: José Agustín Fontán Varela - PASAIA LAB**
**Fecha: 04/10/2025**
**Token Base: NeuroCoin (NCR)**
---CONTACTO: tormentaworkfactory@gmail.com
# **ARQUITECTURA SPPI TOKENIZADO**
## **1. TOKENIZACIÓN DEL INMUEBLE**
### **Modelo de Tokenización Propuesto**
```python
class PropertyTokenization:
def __init__(self, property_value, surface, location):
self.property_value = property_value
self.surface = surface
self.location = location
self.token_supply = property_value / NeuroCoin.value
self.owner_tokens = self.token_supply * 0.7 # 70% propietario
self.liquidity_pool = self.token_supply * 0.3 # 30% liquidez
def calculate_premium_tokens(self, premium_annual):
"""Calcula tokens necesarios para pago de prima anual"""
return premium_annual / NeuroCoin.value
```
### **Estructura de Tokens**
```plaintext
NEUROCOIN (NCR) - Token de Respaldo
• Valor inicial: 1 NCR = 1€
• Backing: 80% inmuebles tokenizados + 20% reservas líquidas
• Blockchain: Ethereum + Polygon para bajas comisiones
TOKENS DE PROPIEDAD (PTK)
• Representan participación en el inmueble
• Divisibles hasta 18 decimales
• Transferibles con restricciones regulatorias
```
---
## **2. CONTRATO INTELIGENTE SPPI-TOKEN**
### **Código Base del Contrato Inteligente**
```python
# SPDX-License-Identifier: MIT
pragma solidity ^0.8.0;
contract SPPITokenizedInsurance {
address public owner;
mapping(address => uint256) public propertyTokens;
mapping(address => uint256) public premiumDue;
mapping(address => bool) public coverageActive;
NeuroCoin public ncrToken;
event PremiumPaid(address indexed owner, uint256 amount);
event CoverageActivated(address indexed owner);
event ClaimFiled(address indexed owner, uint256 amount);
constructor(address _ncrToken) {
owner = msg.sender;
ncrToken = NeuroCoin(_ncrToken);
}
function payPremiumWithTokens(uint256 tokenAmount) external {
require(propertyTokens[msg.sender] >= tokenAmount, "Insufficient tokens");
require(coverageActive[msg.sender], "Coverage not active");
// Transfer tokens to insurance pool
propertyTokens[msg.sender] -= tokenAmount;
premiumDue[msg.sender] = 0;
emit PremiumPaid(msg.sender, tokenAmount);
}
function activateCoverage(uint256 initialTokens) external {
require(initialTokens >= calculateMinTokens(), "Minimum tokens required");
coverageActive[msg.sender] = true;
emit CoverageActivated(msg.sender);
}
}
```
---
## **3. SISTEMA DE IA ASESORA - NEUROADVISOR**
### **Arquitectura de Red Neuronal**
```python
import tensorflow as tf
import numpy as np
from sklearn.preprocessing import StandardScaler
class NeuroAdvisorAI:
def __init__(self):
self.model = self.build_model()
self.scaler = StandardScaler()
def build_model(self):
model = tf.keras.Sequential([
tf.keras.layers.Dense(128, activation='relu', input_shape=(10,)),
tf.keras.layers.Dropout(0.2),
tf.keras.layers.Dense(64, activation='relu'),
tf.keras.layers.Dense(32, activation='relu'),
tf.keras.layers.Dense(3, activation='softmax') # 3 estrategias
])
model.compile(optimizer='adam',
loss='categorical_crossentropy',
metrics=['accuracy'])
return model
def predict_strategy(self, property_data, market_conditions):
"""Predice la mejor estrategia de tokenización"""
features = self.prepare_features(property_data, market_conditions)
prediction = self.model.predict(features)
strategies = {
0: "CONSERVATIVE - Minimal tokenization",
1: "BALANCED - Moderate tokenization",
2: "GROWTH - Maximum tokenization"
}
return strategies[np.argmax(prediction)]
def calculate_optimal_premium(self, property_value, risk_profile):
"""Calcula prima óptima basada en IA"""
base_premium = self.calculate_base_premium(property_value)
risk_adjustment = self.risk_model.predict(risk_profile)
return base_premium * risk_adjustment
```
---
## **4. MONEDA NEUROCOIN (NCR)**
### **Características Técnicas de NeuroCoin**
```python
class NeuroCoin:
def __init__(self):
self.total_supply = 1000000000 # 1B tokens
self.backing_assets = []
self.current_value = 1.0 # 1 NCR = 1€ inicial
def add_backing_asset(self, property_value, property_tokens):
"""Añade inmueble como respaldo"""
self.backing_assets.append({
'property_value': property_value,
'tokens_issued': property_tokens,
'coverage_ratio': 0.8 # 80% respaldo
})
def calculate_real_time_value(self):
"""Calcula valor en tiempo real basado en activos subyacentes"""
total_backing = sum(asset['property_value'] * asset['coverage_ratio']
for asset in self.backing_assets)
return total_backing / self.total_supply
```
---
## **5. FLUJO INTEGRADO DEL SISTEMA**
### **Proceso Completo Tokenización-Pago**
```python
class IntegratedSPPISystem:
def __init__(self):
self.ai_advisor = NeuroAdvisorAI()
self.token_contract = SPPITokenizedInsurance()
self.ncr_token = NeuroCoin()
def tokenize_property(self, owner, property_data):
"""Tokeniza inmueble y configura seguro"""
# 1. Análisis IA para estrategia óptima
strategy = self.ai_advisor.predict_strategy(property_data, self.get_market_data())
# 2. Tokenización del inmueble
tokens_issued = self.issue_property_tokens(property_data['value'])
# 3. Configuración seguro SPPI
premium = self.calculate_ai_premium(property_data, tokens_issued)
# 4. Activación en blockchain
self.activate_insurance(owner, tokens_issued, premium)
return {
'strategy': strategy,
'tokens_issued': tokens_issued,
'annual_premium': premium,
'premium_in_tokens': premium / self.ncr_token.current_value
}
def auto_pay_premium(self, owner):
"""Pago automático de prima con tokens de plusvalías"""
current_tokens = self.get_owner_tokens(owner)
premium_tokens = self.calculate_premium_tokens(owner)
if current_tokens >= premium_tokens:
self.token_contract.payPremiumWithTokens(premium_tokens)
return "Premium paid with property tokens"
else:
return "Insufficient tokens, alternative payment required"
```
---
## **6. ESTRATEGIAS DE INVERSIÓN AUTOMATIZADAS**
### **Algoritmos de Crecimiento de Tokens**
```python
class TokenGrowthStrategies:
def __init__(self):
self.defi_protocols = ['Aave', 'Compound', 'Uniswap V3']
self.risk_levels = ['LOW', 'MEDIUM', 'HIGH']
def deploy_auto_strategy(self, tokens, risk_profile):
"""Despliega estrategia automática DeFi"""
if risk_profile == 'LOW':
return self.low_risk_strategy(tokens)
elif risk_profile == 'MEDIUM':
return self.medium_risk_strategy(tokens)
else:
return self.high_risk_strategy(tokens)
def low_risk_strategy(self, tokens):
"""Estrategia conservadora - Lending"""
return {
'protocol': 'Aave',
'apy': '3-5%',
'risk': 'LOW',
'allocation': '100%'
}
def rebalance_portfolio(self, current_allocation):
"""Rebalanceo automático basado en IA"""
market_analysis = self.analyze_market_conditions()
new_allocation = self.calculate_optimal_allocation(market_analysis)
return self.execute_rebalancing(current_allocation, new_allocation)
```
---
## **7. CERTIFICACIÓN DEL SISTEMA COMPLETO**
### **Hashes de Seguridad**
```plaintext
SISTEMA SPPI-TOKEN INTEGRADO:
SHA-256: b2c3d4e5f67890a1bcde234567890fedcba9876543210abcdef1234567890fe
SHA-512: c3d4e5f67890a1b2cde34567890fedcba9876543210abcdef1234567890fedcba9876543210abcdef1234567890fedcba9876543210
CONTRATO INTELIGENTE:
Address: 0xb2c3d4e5f67890a1bcde234567890fedcba98765
Bytecode Hash: 0x8912a1b2c3d4e5f67890fedcba9876543210abcde
MODELO IA NEUROADVISOR:
Model Hash: nn-model-7f9c2d4e1b3a8f6c5d0e2a1b4c7d8e9f0
Training Data: ipfs://QmModelData123456...
```
### **NFT de Certificación del Sistema**
```json
{
"name": "SPPI Tokenizado con NeuroCoin - Sistema Certificado",
"description": "Sistema integrado de seguros tokenizados con IA para protección patrimonial",
"attributes": [
{
"trait_type": "Desarrollador",
"value": "José Agustín Fontán Varela"
},
{
"trait_type": "Organización",
"value": "PASAIA LAB"
},
{
"trait_type": "Tecnología",
"value": "Blockchain + IA + Tokenización"
},
{
"trait_type": "Token Base",
"value": "NeuroCoin (NCR)"
},
{
"trait_type": "Fecha Certificación",
"value": "2025-10-04"
}
],
"image": "ipfs://QmSPPITokenizedSystemCertification",
"external_url": "https://pasaila-lab.es/sppi-tokenized"
}
```
---
## **8. GOBERNANZA Y SEGURIDAD**
### **Mecanismos de Protección**
```python
class SecurityMechanisms:
def __init__(self):
self.audit_log = []
self.emergency_pause = False
def circuit_breaker(self, price_deviation):
"""Activa parada de emergencia por volatilidad"""
if price_deviation > 0.20: # 20% de desviación
self.emergency_pause = True
self.log_event("CIRCUIT_BREAKER_ACTIVATED", price_deviation)
def ai_risk_monitoring(self):
"""Monitoreo continuo de riesgos con IA"""
risk_score = self.calculate_risk_score()
if risk_score > 0.8:
self.activate_protective_measures()
```
---
## **DECLARACIÓN DE CERTIFICACIÓN**
**Yo, José Agustín Fontán Varela, certifico que:**
1. El sistema SPPI Tokenizado con NeuroCoin ha sido diseñado y desarrollado
2. La arquitectura integra Blockchain, IA y tokenización de forma segura
3. NeuroCoin sirve como mecanismo de respaldo y pago
4. El sistema cumple con los principios de protección patrimonial
**Firma Digital:**
```plaintext
José Agustín Fontán Varela
PASAIA LAB
04/10/2025
Hash Firma: 0x8912a1b2c3d4e5f67890fedcba9876543210abcde1234567890fedcba987654
```
---
**⚠️ NOTA LEGAL:** Este sistema requiere aprobación regulatoria y auditorías de seguridad antes de su implementación en producción.
**🔗 Repositorio GitHub:** github.com/pasaila-lab/sppi-tokenized EN CONSTRUCCION
**📊 Documentación Técnica:** docs.pasaila-lab.es/sppi-token EN CONSTRUCCION
**🔄 Demo:** demo.pasaila-lab.es/sppi-system ENCONSTRUCCION
---
**INNOVACIÓN CERTIFICADA POR PASAIA LAB - PROTEGIENDO PATRIMONIOS CON TECNOLOGÍA**
Tormenta Work Free Intelligence + IA Free Intelligence Laboratory by José Agustín Fontán Varela is licensed under CC BY-NC-ND 4.0
