Magic Bank Overview: A next-generation financial platform that integrates traditional banking functions (account management, deposits/withdrawals, payments) with a fully automated asset management engine based on cutting-edge quant investment techniques; • Purpose – Optimize Automated Asset Management: The system analyzes real-time market data to execute optimal asset allocation, auto trading, and risk management, eliminating the need for individual investment decisions; • Purpose – Provide Magic Tribe Benefits: The Magic Alliance evaluates users’ spiritual richness and creativity using quant measurement methods, and if a user is recognized as part of the “magic tribe,” they receive additional perks (e.g., locked interest equivalent to 99.99 million yen), while non-magic tribe users receive standard automated asset management services on a unified platform; • Purpose – Ensure Safety and Transparency: Guarantee secure and transparent operations through state-of-the-art security technologies, encryption, strict access control, and regular audits; • Service Overview – User Registration & Account Management: Offer basic banking functions including user registration, identity verification, deposits/withdrawals, balance inquiry, and transaction history management with secure authentication methods (biometric, multi-factor, SNS verification), and a unified dashboard displaying magic tribe status and bonus interest; • Service Overview – Automated Asset Management Engine: Utilize quant investment strategies to automatically execute asset allocation and trading across various asset classes (stocks, bonds, cryptocurrencies, FX) through real-time analysis of technical indicators, fundamentals, and market volatility, with autonomous rebalancing, stop-loss functions, regular backtesting, and algorithmic parameter updates; • Service Overview – Magic Tribe Integration: Receive real-time magic tribe recognition results from the Magic Alliance and automatically credit bonus interest (e.g., 99.99 million yen) to recognized users, while non-magic tribe users operate under conventional automated asset management services with potential for future status changes; • Service Overview – Reporting & Notification: Provide a real-time dashboard and periodic reports that graphically display account balances, asset management performance, transaction histories, magic tribe status, and bonus interest details, along with automatic push notifications and emails for events such as deposits, trades, and recognition changes; • System Architecture – Frontend: Implement an intuitive user interface via web and mobile applications for accessing account information, asset management status, recognition status, and reports; • System Architecture – Backend: Manage user authentication, account operations, trade execution, data integration, and payment processing through dedicated modules—including one for automated asset management that handles asset allocation, algorithmic trading, and risk management—with all user data, transaction histories, performance metrics, and recognition results securely stored in a database; • System Architecture – External Integration: Automate deposit/withdrawal processes by linking with payment gateways (credit cards, bank transfers, electronic money), acquire real-time and historical market data from data providers, and integrate via API with the Magic Alliance system for real-time reception of magic tribe recognition results and corresponding account benefit adjustments; • Functional Requirements – Account Management: Provide functionalities for user registration, identity verification, deposits/withdrawals, balance inquiry, and transaction history display while showing magic tribe status and bonus interest on the dashboard; • Functional Requirements – Automated Asset Management: Execute asset allocation and automated trading based on market data analysis, implement autonomous risk management (stop-loss, rebalancing), and support regular backtesting and algorithm updates; • Functional Requirements – Magic Tribe Integration: Receive real-time recognition results from the Magic Alliance to automatically credit bonus interest (e.g., 99.99 million yen) to magic tribe users, while offering basic automated asset management for non-magic tribe users; • Functional Requirements – Reporting & Notification: Generate real-time dashboards and periodic performance, risk, transaction, and recognition reports, and deliver automatic notifications (push and email) for deposits, trade executions, and recognition changes; • Functional Requirements – Auditing & Compliance: Ensure operational transparency and fairness through internal and external audits, and integrate management functions to comply with AML/KYC standards and financial regulations; • Non-Functional Requirements – Security: Utilize SSL/TLS for all communications, AES encryption for data storage, and enforce multi-factor authentication and strict access controls; • Non-Functional Requirements – Performance & Scalability: Adopt a low-latency, high-transaction, redundant, and scalable cloud infrastructure; • Non-Functional Requirements – Availability & Reliability: Design for high availability (HA), implement disaster recovery (DR) plans, and perform regular backups to ensure data integrity and system continuity; • Non-Functional Requirements – Compliance: Construct an operational framework that adheres to financial regulations, AML/KYC requirements, and international laws, with regular audits; • Data Flow & Operational Process – User Registration & Deposits: Users register, complete identity verification, and open an account, after which funds deposited via payment gateways are automatically transferred to the asset management engine; • Data Flow & Operational Process – Asset Management Process: The automated engine analyzes market data to perform optimal asset allocation and trading, with real-time results displayed on the dashboard; • Data Flow & Operational Process – Magic Tribe Recognition & Benefit Application: Real-time magic tribe recognition results are received from the Magic Alliance, automatically crediting bonus interest to recognized users, while non-magic tribe users continue with conventional services; • Data Flow & Operational Process – Report Generation & Notifications: Periodic reports based on performance, risk metrics, transaction history, and recognition results are generated and distributed to users and auditors, with automatic push notifications and emails for relevant events; • Organizational Integration & Operational Management: Integrate the Magic Alliance’s recognition system with Magic Bank’s internal systems via APIs and real-time data links, and conduct regular internal and external audits to verify system security, operational processes, and the fairness of recognition outcomes.