kyc_requirements:
  pessoa_fisica:
    - documento_identidade: "obrigatório"
    - comprovante_residencia: "obrigatório" 
    - comprovante_renda: "obrigatório"
    - declaracao_ir: "opcional_acima_100k"
    - origem_recursos: "obrigatório_acima_50k"
  
  pessoa_juridica:
    - cartao_cnpj: "obrigatório"
    - contrato_social: "obrigatório"
    - demonstracoes_financeiras: "obrigatório"
    - beneficial_ownership: "obrigatório"

aml_procedures:
  screening:
    - listas_restritivas: "OFAC, EU, UN"
    - peps: "base_serpro"
    - adverse_media: "automated_screening"
  
  monitoring:
    - transacoes_suspeitas: "automated_rules"
    - reportes_coaf: "automatic_above_threshold"
    - due_diligence_enhanced: "high_risk_profiles"

# Geração de seed phrase segura
entropy=$(openssl rand -hex 32)
mnemonic=$(bip39 encode $entropy)

# Sharding Shamir Secret Sharing (3-de-5)
shamir_share $mnemonic 5 3

# Armazenamento distribuído
share_1 -> cofre_bancario_cidade_1
share_2 -> cofre_bancario_cidade_2  
share_3 -> cartorio_confianca
share_4 -> custodia_familia
share_5 -> backup_digital_criptografado

def collect_kyc_data(investor_type):
    if investor_type == "pessoa_fisica":
        return {
            "documento": validate_cpf(),
            "selfie": validate_liveness(),
            "renda": validate_income_proof(),
            "origem_recursos": validate_source_funds(),
            "perfil_risco": assess_risk_profile()
        }
    elif investor_type == "pessoa_juridica":
        return {
            "cnpj": validate_corporate_docs(),
            "beneficial_owners": identify_controllers(),
            "financials": validate_statements(),
            "purpose": validate_investment_purpose()
        }

contract AMLCompliance {
    mapping(address => bool) public blacklisted;
    mapping(address => uint256) public riskScore;
    
    modifier amlCheck(address user, uint256 amount) {
        require(!blacklisted[user], "Address blacklisted");
        require(amount <= dailyLimit[user], "Exceeds daily limit");
        require(riskScore[user] <= MAX_RISK_SCORE, "High risk profile");
        _;
    }
    
    function transfer(address to, uint256 amount) 
        external 
        amlCheck(msg.sender, amount) 
        amlCheck(to, amount) {
        // Transfer logic
    }
}

def generate_tax_reports(wallet_address, tax_year):
    transactions = get_token_transactions(wallet_address, tax_year)
    
    reports = {
        "doi": generate_doi_report(transactions),
        "irpf": calculate_capital_gains(transactions),
        "siscoaf": identify_reportable_transactions(transactions)
    }
    
    # Assinatura digital e envio automático
    for report_type, data in reports.items():
        signed_report = sign_with_certificate(data)
        submit_to_receita_federal(signed_report, report_type)
    
    return reports

def adjust_valuation_for_tokenization(base_value, property_type):
    adjustments = {
        "liquidity_premium": 0.10,  # +10% pela liquidez
        "operational_efficiency": -0.25,  # -25% em custos operacionais
        "technology_cost": -0.03,  # -3% custos de estruturação
        "regulatory_risk": -0.05   # -5% risco regulatório
    }
    
    if property_type == "commercial":
        adjustments["institutional_premium"] = 0.05
    elif property_type == "residential":
        adjustments["fractionation_discount"] = -0.02
    
    final_value = base_value
    for factor, adjustment in adjustments.items():
        final_value *= (1 + adjustment)
    
    return final_value

# Exemplo: Imóvel comercial R$ 10MM
tokenized_value = adjust_valuation_for_tokenization(10_000_000, "commercial")
# Resultado: R$ 8.967.750

def calculate_token_price(base_value, market_conditions, time_horizon):
    base_price_per_token = base_value / TOTAL_TOKENS
    
    # Fatores dinâmicos
    liquidity_factor = calculate_liquidity_premium(market_conditions)
    demand_factor = calculate_demand_supply_ratio()
    time_factor = calculate_time_decay(time_horizon)
    
    adjusted_price = base_price_per_token * (
        1 + liquidity_factor + demand_factor + time_factor
    )
    
    return max(adjusted_price, base_price_per_token * 0.8)  # Floor de 80%

def optimize_tokenization_structure(property_value, target_investors):
    # Análise de demanda por ticket
    ticket_demand = analyze_market_demand()
    
    # Custos de transação por token
    transaction_costs = calculate_gas_costs()
    
    # Governança ótima
    governance_requirements = assess_governance_needs()
    
    optimal_tokens = minimize(
        objective_function(property_value, ticket_demand, transaction_costs),
        constraints=[
            lambda x: x >= MIN_TOKENS_FOR_LIQUIDITY,
            lambda x: x <= MAX_TOKENS_FOR_GOVERNANCE,
            lambda x: property_value / x >= MIN_TICKET_SIZE
        ]
    )
    
    return optimal_tokens

contract TokenPricing {
    struct TierPricing {
        uint256 minTokens;
        uint256 maxTokens;
        uint256 pricePerToken;
        uint256 discountBps; // basis points
    }
    
    TierPricing[] public pricingTiers;
    
    constructor() {
        // Tier 1: Retail (< 100 tokens)
        pricingTiers.push(TierPricing(1, 100, 1000, 0));
        
        // Tier 2: Semi-qualified (100-1000 tokens)
        pricingTiers.push(TierPricing(100, 1000, 1000, 50)); // 0.5% desconto
        
        // Tier 3: Qualified (> 1000 tokens)
        pricingTiers.push(TierPricing(1000, type(uint256).max, 1000, 100)); // 1% desconto
    }
}

contract ReserveManagement {
    uint256 public constant MANAGEMENT_RESERVE = 5; // 5%
    uint256 public constant LIQUIDITY_RESERVE = 7;  // 7%
    uint256 public constant CONTINGENCY_RESERVE = 3; // 3%
    
    address public managementWallet;
    address public liquidityPool;
    address public contingencyMultisig;
    
    function distributeReserves() internal {
        uint256 totalSupply = _totalSupply();
        
        _mint(managementWallet, totalSupply * MANAGEMENT_RESERVE / 100);
        _mint(liquidityPool, totalSupply * LIQUIDITY_RESERVE / 100);
        _mint(contingencyMultisig, totalSupply * CONTINGENCY_RESERVE / 100);
    }
}

class RealEstateAMM:
    def __init__(self, property_value, total_tokens):
        self.k = property_value * total_tokens  # Constant product
        self.property_reserve = property_value
        self.token_reserve = total_tokens
    
    def get_token_price(self, tokens_to_buy):
        """Calcula preço baseado na curva de liquidez"""
        new_token_reserve = self.token_reserve - tokens_to_buy
        new_property_reserve = self.k / new_token_reserve
        
        price = new_property_reserve - self.property_reserve
        return price / tokens_to_buy
    
    def update_reserves(self, property_valuation_change):
        """Atualiza reservas baseado em reavaliação"""
        self.property_reserve *= (1 + property_valuation_change)
        self.k = self.property_reserve * self.token_reserve

def calculate_token_fair_value(base_metrics, market_factors, macro_factors):
    # Peso de cada categoria
    WEIGHTS = {"base": 0.6, "market": 0.3, "macro": 0.1}
    
    # Métricas fundamentais
    base_score = (
        base_metrics["rental_yield"] * 0.4 +
        base_metrics["location_score"] * 0.3 +
        base_metrics["property_condition"] * 0.3
    )
    
    # Fatores de mercado
    market_score = (
        market_factors["liquidity_ratio"] * 0.5 +
        market_factors["demand_supply_ratio"] * 0.3 +
        market_factors["competitor_performance"] * 0.2
    )
    
    # Fatores macroeconômicos
    macro_score = (
        macro_factors["interest_rate_impact"] * 0.4 +
        macro_factors["inflation_impact"] * 0.3 +
        macro_factors["gdp_growth_impact"] * 0.3
    )
    
    # Score final ponderado
    final_score = (
        base_score * WEIGHTS["base"] +
        market_score * WEIGHTS["market"] +
        macro_score * WEIGHTS["macro"]
    )
    
    return final_score

contract TokenOrderBook {
    struct Order {
        address trader;
        uint256 tokenAmount;
        uint256 pricePerToken;
        bool isBuyOrder;
        uint256 expiration;
    }
    
    Order[] public buyOrders;
    Order[] public sellOrders;
    
    function placeOrder(
        uint256 tokenAmount,
        uint256 pricePerToken,
        bool isBuyOrder,
        uint256 duration
    ) external {
        Order memory newOrder = Order({
            trader: msg.sender,
            tokenAmount: tokenAmount,
            pricePerToken: pricePerToken,
            isBuyOrder: isBuyOrder,
            expiration: block.timestamp + duration
        });
        
        if (isBuyOrder) {
            buyOrders.push(newOrder);
            sortBuyOrders(); // Ordenar por preço decrescente
        } else {
            sellOrders.push(newOrder);
            sortSellOrders(); // Ordenar por preço crescente
        }
        
        attemptMatching();
    }
    
    function attemptMatching() internal {
        // Algoritmo de matching automático
        while (buyOrders.length > 0 && sellOrders.length > 0) {
            if (buyOrders[0].pricePerToken >= sellOrders[0].pricePerToken) {
                executeMatch(buyOrders[0], sellOrders[0]);
            } else {
                break;
            }
        }
    }
}

contract RentDistribution {
    mapping(address => uint256) public tokenBalance;
    mapping(address => uint256) public lastClaimed;
    
    uint256 public totalRentCollected;
    uint256 public totalTokenSupply;
    uint256 public constant DISTRIBUTION_INTERVAL = 30 days;
    
    event RentDistributed(uint256 totalAmount, uint256 timestamp);
    event RentClaimed(address indexed holder, uint256 amount);
    
    function distributeRent() external payable onlyManager {
        require(msg.value > 0, "No rent to distribute");
        
        totalRentCollected += msg.value;
        
        emit RentDistributed(msg.value, block.timestamp);
    }
    
    function claimRent() external {
        uint256 holderBalance = tokenBalance[msg.sender];
        require(holderBalance > 0, "No tokens held");
        
        uint256 timeElapsed = block.timestamp - lastClaimed[msg.sender];
        require(timeElapsed >= DISTRIBUTION_INTERVAL, "Too early to claim");
        
        uint256 rentShare = (totalRentCollected * holderBalance) / totalTokenSupply;
        
        lastClaimed[msg.sender] = block.timestamp;
        payable(msg.sender).transfer(rentShare);
        
        emit RentClaimed(msg.sender, rentShare);
    }
    
    function autoDistribute() external {
        // Para tokens holders que optaram por recebimento automático
        address[] memory autoReceivers = getAutoReceivers();
        
        for (uint i = 0; i < autoReceivers.length; i++) {
            address holder = autoReceivers[i];
            uint256 rentShare = calculateRentShare(holder);
            
            if (rentShare > 0) {
                payable(holder).transfer(rentShare);
                emit RentClaimed(holder, rentShare);
            }
        }
    }
}

class CostStructure:
    def __init__(self):
        self.management_fee = 0.015  # 1.5% a.a.
        self.performance_fee = 0.20  # 20% sobre outperformance
        self.operational_costs = {
            "insurance": 0.002,     # 0.2% a.a.
            "maintenance": 0.001,   # 0.1% a.a.
            "legal": 0.0005,        # 0.05% a.a.
            "audit": 0.0005,        # 0.05% a.a.
            "technology": 0.001     # 0.1% a.a.
        }
    
    def calculate_net_distribution(self, gross_rent, property_value):
        # Custos operacionais anualizados
        operational_cost = sum(self.operational_costs.values()) * property_value / 12
        
        # Taxa de gestão mensal
        management_cost = self.management_fee * property_value / 12
        
        # Valor líquido para distribuição
        net_rent = gross_rent - operational_cost - management_cost
        
        return max(net_rent, 0)  # Não pode ser negativo

contract TaxAutomation {
    struct TaxBracket {
        uint256 minIncome;
        uint256 maxIncome;
        uint256 rate; // em basis points (100 = 1%)
    }
    
    TaxBracket[] public taxBrackets;
    
    constructor() {
        taxBrackets.push(TaxBracket(0, 190398, 0));      // Isento
        taxBrackets.push(TaxBracket(190399, 282665, 750));   // 7.5%
        taxBrackets.push(TaxBracket(282666, 375105, 1500));  // 15%
        taxBrackets.push(TaxBracket(375106, 466468, 2250));  // 22.5%
        taxBrackets.push(TaxBracket(466469, type(uint256).max, 2750)); // 27.5%
    }
    
    function calculateWithholding(uint256 monthlyIncome) public view returns (uint256) {
        for (uint i = 0; i < taxBrackets.length; i++) {
            if (monthlyIncome >= taxBrackets[i].minIncome && 
                monthlyIncome <= taxBrackets[i].maxIncome) {
                return (monthlyIncome * taxBrackets[i].rate) / 10000;
            }
        }
        return 0;
    }
    
    function distributeWithTax(address[] memory holders, uint256[] memory amounts) external {
        for (uint i = 0; i < holders.length; i++) {
            uint256 grossAmount = amounts[i];
            uint256 taxAmount = calculateWithholding(grossAmount);
            uint256 netAmount = grossAmount - taxAmount;
            
            // Transferir valor líquido para o holder
            payable(holders[i]).transfer(netAmount);
            
            // Transferir imposto para conta da Receita Federal
            payable(RECEITA_FEDERAL_WALLET).transfer(taxAmount);
        }
    }
}

{
  "property_details": {
    "address": "Av. Paulista, 1000 - São Paulo/SP",
    "area": "5.000 m²",
    "value": "R$ 50.000.000",
    "current_yield": "8.5%",
    "occupancy_rate": "95%"
  },
  "tokenization_structure": {
    "total_tokens": 50000,
    "price_per_token": "R$ 1.000",
    "minimum_investment": "R$ 5.000",
    "target_investors": "Investidores qualificados"
  },
  "financial_projections": {
    "annual_rent": "R$ 4.250.000",
    "monthly_distribution": "R$ 354.167",
    "projected_appreciation": "5% a.a.",
    "total_return_target": "13-15% a.a."
  }
}

class PortfolioToken:
    def __init__(self):
        self.properties = [
            {"type": "commercial", "weight": 0.4, "location": "SP"},
            {"type": "residential", "weight": 0.3, "location": "RJ"},
            {"type": "logistics", "weight": 0.2, "location": "Campinas"},
            {"type": "retail", "weight": 0.1, "location": "BH"}
        ]
        
    def calculate_portfolio_yield(self):
        total_yield = 0
        for prop in self.properties:
            yield_contribution = prop["yield"] * prop["weight"]
            total_yield += yield_contribution
        return total_yield
    
    def rebalance_portfolio(self, market_conditions):
        # Lógica de rebalanceamento automático
        if market_conditions["commercial_outlook"] == "negative":
            self.adjust_weights("commercial", -0.1)
            self.adjust_weights("residential", +0.05)
            self.adjust_weights("logistics", +0.05)

contract DevelopmentToken {
    enum ProjectPhase { Planning, Construction, Delivery, Operation }
    
    struct Milestone {
        ProjectPhase phase;
        uint256 completionPercentage;
        uint256 releasableAmount;
        bool achieved;
    }
    
    Milestone[] public milestones;
    uint256 public totalFunding;
    uint256 public releasedFunding;
    
    function achieveMilestone(uint256 milestoneIndex) external onlyAuditor {
        require(!milestones[milestoneIndex].achieved, "Already achieved");
        
        milestones[milestoneIndex].achieved = true;
        
        uint256 releaseAmount = milestones[milestoneIndex].releasableAmount;
        releasedFunding += releaseAmount;
        
        payable(developer).transfer(releaseAmount);
        
        emit MilestoneAchieved(milestoneIndex, releaseAmount);
    }
}

graph TD
    A[Investidor Brasileiro] --> B[Holding no Brasil]
    B --> C[SPV Internacional]
    C --> D[Propriedade No Exterior]
    D --> E[Tokens Representativos]
    E --> F[Distribuição aos Investidores]
    
    B --> G[Compliance BACEN]
    C --> H[Compliance Local]

class InvestorSegmentation:
    def __init__(self):
        self.segments = {
            "retail": {
                "patrimony_range": "R$ 50k - R$ 500k",
                "ticket_size": "R$ 500 - R$ 5k",
                "risk_tolerance": "conservative",
                "tech_savvy": "medium",
                "target_yield": "8-12%"
            },
            "affluent": {
                "patrimony_range": "R$ 500k - R$ 2M",
                "ticket_size": "R$ 5k - R$ 50k", 
                "risk_tolerance": "moderate",
                "tech_savvy": "high",
                "target_yield": "10-15%"
            },
            "high_net_worth": {
                "patrimony_range": "R$ 2M - R$ 10M",
                "ticket_size": "R$ 50k - R$ 500k",
                "risk_tolerance": "aggressive", 
                "tech_savvy": "high",
                "target_yield": "12-20%"
            },
            "family_office": {
                "patrimony_range": "> R$ 10M",
                "ticket_size": "> R$ 500k",
                "risk_tolerance": "sophisticated",
                "tech_savvy": "very_high", 
                "target_yield": "15-25%"
            }
        }

def assess_regulatory_risk_tolerance(investor_profile):
    risk_factors = {
        "regulatory_uncertainty": {
            "weight": 0.3,
            "retail_tolerance": 2,      # 1-5 scale
            "affluent_tolerance": 3,
            "hnw_tolerance": 4,
            "family_office_tolerance": 5
        },
        "technology_risk": {
            "weight": 0.2,
            "retail_tolerance": 2,
            "affluent_tolerance": 3,
            "hnw_tolerance": 4,
            "family_office_tolerance": 4
        },
        "liquidity_risk": {
            "weight": 0.3,
            "retail_tolerance": 1,
            "affluent_tolerance": 2,
            "hnw_tolerance": 3,
            "family_office_tolerance": 4
        },
        "operational_risk": {
            "weight": 0.2,
            "retail_tolerance": 2,
            "affluent_tolerance": 3,
            "hnw_tolerance": 4,
            "family_office_tolerance": 5
        }
    }
    
    total_score = 0
    for factor, data in risk_factors.items():
        tolerance = data[f"{investor_profile}_tolerance"]
        weighted_score = tolerance * data["weight"]
        total_score += weighted_score
    
    return total_score

contract FamilySuccession {
    mapping(address => uint256) public inheritanceShares;
    mapping(address => bool) public heirs;
    
    address public patriarch;
    bool public successionTriggered;
    
    function setupSuccession(
        address[] memory _heirs,
        uint256[] memory _shares
    ) external onlyPatriarch {
        require(_heirs.length == _shares.length, "Mismatched arrays");
        
        uint256 totalShares = 0;
        for (uint i = 0; i < _heirs.length; i++) {
            heirs[_heirs[i]] = true;
            inheritanceShares[_heirs[i]] = _shares[i];
            totalShares += _shares[i];
        }
        
        require(totalShares == 100, "Shares must sum to 100%");
    }
    
    function triggerSuccession() external {
        require(msg.sender == patriarch || isAuthorizedOracle(msg.sender));
        
        successionTriggered = true;
        
        uint256 totalTokens = balanceOf(patriarch);
        
        for (address heir : getHeirs()) {
            uint256 heirTokens = (totalTokens * inheritanceShares[heir]) / 100;
            _transfer(patriarch, heir, heirTokens);
        }
    }
}

class PartialLiquidity:
    def __init__(self, property_value, liquidity_needed):
        self.property_value = property_value
        self.liquidity_needed = liquidity_needed
        self.tokens_to_sell = liquidity_needed / (property_value / TOTAL_TOKENS)
        
    def execute_partial_sale(self):
        # Vender apenas tokens necessários
        tokens_sold = self.tokens_to_sell
        
        # Custos reduzidos
        transaction_cost = tokens_sold * 0.02  # 2% vs 6-8%
        
        # Tempo reduzido
        execution_time = "24-48 horas"  # vs 3-6 meses
        
        # Manter controle majoritário
        remaining_ownership = 1 - (tokens_sold / TOTAL_TOKENS)
        
        return {
            "liquidity_obtained": self.liquidity_needed,
            "costs": transaction_cost,
            "time": execution_time,
            "remaining_control": remaining_ownership
        }

{
  "geographical_diversification": {
    "brasil": {
      "allocation": "60%",
      "cities": ["São Paulo", "Rio de Janeiro", "Belo Horizonte"],
      "asset_types": ["commercial", "residential", "logistics"]
    },
    "usa": {
      "allocation": "25%", 
      "cities": ["Miami", "New York", "Austin"],
      "asset_types": ["residential", "commercial"]
    },
    "europa": {
      "allocation": "15%",
      "cities": ["Lisboa", "Barcelona", "Berlin"], 
      "asset_types": ["residential", "hospitality"]
    }
  },
  "benefits": {
    "currency_hedge": "Proteção cambial automática",
    "political_risk": "Diversificação risco-país",
    "economic_cycles": "Descorrelação ciclos econômicos",
    "global_opportunities": "Acesso mercados maduros"
  }
}

class CurrencyHedge:
    def __init__(self, brl_exposure, target_usd_allocation):
        self.brl_exposure = brl_exposure
        self.target_usd_allocation = target_usd_allocation
        
    def calculate_hedge_tokens(self, usd_brl_rate):
        usd_equivalent = self.brl_exposure / usd_brl_rate
        hedge_amount = usd_equivalent * self.target_usd_allocation
        
        # Tokens de imóveis americanos necessários
        return hedge_amount
    
    def monitor_hedge_effectiveness(self, current_usd_brl, initial_usd_brl):
        brl_depreciation = (current_usd_brl - initial_usd_brl) / initial_usd_brl
        
        # Ganho em USD dos tokens offshore
        usd_token_gain = self.token_usd_value * brl_depreciation
        
        # Perda em BRL dos ativos domésticos  
        brl_asset_loss = self.brl_assets * brl_depreciation
        
        hedge_efficiency = usd_token_gain / brl_asset_loss
        
        return hedge_efficiency

class StructuringCosts:
    def __init__(self, property_value):
        self.property_value = property_value
        
    def calculate_initial_costs(self):
        costs = {
            "legal_structuring": max(50000, self.property_value * 0.008),
            "smart_contract_development": 80000,
            "security_audit": 35000,
            "regulatory_compliance": 25000,
            "property_valuation": 15000,
            "marketing_launch": 40000,
            "platform_integration": 30000
        }
        return costs
    
    def calculate_annual_costs(self):
        costs = {
            "asset_management": self.property_value * 0.015,  # 1.5%
            "technology_maintenance": 60000,
            "compliance_reporting": 25000,
            "annual_audit": 20000,
            "insurance": self.property_value * 0.002,  # 0.2%
            "legal_updates": 15000
        }
        return costs

def calculate_breakeven_point(property_value, token_price, management_fee):
    initial_costs = calculate_initial_costs(property_value)
    annual_costs = calculate_annual_costs(property_value)
    
    # Receitas
    management_revenue = property_value * management_fee
    performance_fee_revenue = property_value * 0.02  # Estimativa conservadora
    
    annual_revenue = management_revenue + performance_fee_revenue
    annual_profit = annual_revenue - annual_costs
    
    if annual_profit <= 0:
        return "Não viável"
    
    breakeven_years = sum(initial_costs.values()) / annual_profit
    
    return {
        "breakeven_period": f"{breakeven_years:.1f} anos",
        "annual_profit": annual_profit,
        "roi_after_5_years": annual_profit * 5 - sum(initial_costs.values())
    }

# Exemplo: Imóvel R$ 10 milhões
viability = calculate_breakeven_point(10_000_000, 1000, 0.02)
# Resultado: Break-even em 1.8 anos

def recommend_investment_type(investor_profile):
    if investor_profile["tech_comfort"] < 3:
        return "FII tradicional"
    
    if investor_profile["control_preference"] == "high":
        return "Token imobiliário"
    
    if investor_profile["diversification_need"] == "high":
        return "FII tradicional"
    
    if investor_profile["innovation_appetite"] == "high":
        return "Token imobiliário"
    
    if investor_profile["liquidity_need"] == "24/7":
        return "Token imobiliário"
    
    return "Portfolio misto (70% FII + 30% Token)"

class TokenTaxCalculation:
    def __init__(self):
        self.monthly_threshold = 35000  # R$ 35.000
        self.tax_rates = {
            "short_term": 0.15,  # < 1 ano
            "long_term": 0.10    # > 1 ano (proposta)
        }
    
    def calculate_capital_gains_tax(self, transactions):
        monthly_sales = self.group_by_month(transactions)
        
        total_tax_due = 0
        
        for month, sales in monthly_sales.items():
            if sales["total_amount"] > self.monthly_threshold:
                for sale in sales["transactions"]:
                    holding_period = sale["sale_date"] - sale["purchase_date"]
                    
                    if holding_period.days < 365:
                        tax_rate = self.tax_rates["short_term"]
                    else:
                        tax_rate = self.tax_rates["long_term"]
                    
                    capital_gain = sale["sale_price"] - sale["cost_basis"]
                    
                    if capital_gain > 0:
                        tax_due = capital_gain * tax_rate
                        total_tax_due += tax_due
        
        return total_tax_due

# Cálculo do imposto
purchase_price = 100000
sale_price = 60000
tokens_sold_ratio = 0.5
cost_basis = purchase_price * tokens_sold_ratio  # R$ 50.000

capital_gain = sale_price - cost_basis  # R$ 10.000
holding_period = 11  # meses (< 1 ano)

if sale_price > 35000:  # Acima do threshold
    tax_due = capital_gain * 0.15  # R$ 1.500
else:
    tax_due = 0  # Isento

class RentalIncomeTax:
    def __init__(self):
        self.tax_brackets = [
            {"min": 0, "max": 1903.98, "rate": 0.0, "deduction": 0},
            {"min": 1903.99, "max": 2826.65, "rate": 0.075, "deduction": 142.80},
            {"min": 2826.66, "max": 3751.05, "rate": 0.15, "deduction": 354.80},
            {"min": 3751.06, "max": 4664.68, "rate": 0.225, "deduction": 636.13},
            {"min": 4664.69, "max": float('inf'), "rate": 0.275, "deduction": 869.36}
        ]
    
    def calculate_monthly_tax(self, monthly_income):
        for bracket in self.tax_brackets:
            if bracket["min"] <= monthly_income <= bracket["max"]:
                tax = (monthly_income * bracket["rate"]) - bracket["deduction"]
                return max(tax, 0)
        return 0
    
    def calculate_annual_tax(self, monthly_incomes):
        annual_income = sum(monthly_incomes)
        
        # Carnê-leão mensal vs. ajuste anual
        monthly_taxes_paid = sum([
            self.calculate_monthly_tax(income) for income in monthly_incomes
        ])
        
        annual_tax_due = self.calculate_annual_ir(annual_income)
        
        return {
            "monthly_taxes_paid": monthly_taxes_paid,
            "annual_tax_due": annual_tax_due,
            "adjustment": annual_tax_due - monthly_taxes_paid
        }

{
  "bens_direitos": {
    "codigo": "99",
    "discriminacao": "Token imobiliário representativo de fração ideal do imóvel localizado na Av. Paulista, 1000, São Paulo/SP, matricula 123.456 do 1º CRI/SP. Quantidade: 1.000 tokens.",
    "situacao_31_12_2024": "R$ 100.000,00",
    "situacao_31_12_2025": "R$ 120.000,00"
  },
  "rendimentos_tributaveis": {
    "fonte_pagadora": "12.345.678/0001-90 - SPE Paulista 1000 S.A.",
    "valor_anual": "R$ 8.400,00",
    "imposto_retido": "R$ 1.260,00"
  },
  "ganhos_capital": {
    "data_alienacao": "15/06/2025",
    "valor_alienacao": "R$ 60.000,00",
    "custo_aquisicao": "R$ 50.000,00",
    "ganho_liquido": "R$ 10.000,00",
    "imposto_devido": "R$ 1.500,00"
  }
}

class ITBIOptimization:
    def __init__(self, property_value, municipality_rate):
        self.property_value = property_value
        self.itbi_rate = municipality_rate  # Varia 0.5% - 3%
        
    def structure_options(self):
        return {
            "spe_structure": {
                "itbi_exposure": 0,  # SPE já proprietária
                "description": "SPE adquire imóvel antes da tokenização",
                "additional_costs": self.property_value * 0.02  # Custos de estruturação
            },
            "direct_tokenization": {
                "itbi_exposure": self.property_value * self.itbi_rate,
                "description": "Tokenização direta do imóvel",
                "legal_risk": "Alto - interpretação municipal variável"
            },
            "fiduciary_structure": {
                "itbi_exposure": 0,  # Fidúcia adquire imóvel
                "description": "Estrutura fiduciária pré-tokenização",
                "additional_costs": self.property_value * 0.015
            }
        }

class RuralPropertyTokenTax:
    def __init__(self, rural_area_hectares, land_value_per_hectare):
        self.area = rural_area_hectares
        self.land_value = land_value_per_hectare
        self.total_value = self.area * self.land_value
        
    def calculate_itr_liability(self, productivity_degree):
        # ITR varia conforme área e grau de utilização
        itr_rates = {
            "small_productive": 0.0003,      # 0.03%
            "large_productive": 0.002,       # 0.2% 
            "small_unproductive": 0.07,      # 7%
            "large_unproductive": 0.20       # 20%
        }
        
        if self.area < 50 and productivity_degree > 0.8:
            rate = itr_rates["small_productive"]
        elif self.area >= 50 and productivity_degree > 0.8:
            rate = itr_rates["large_productive"]
        elif self.area < 50 and productivity_degree <= 0.8:
            rate = itr_rates["small_unproductive"]
        else:
            rate = itr_rates["large_unproductive"]
            
        return self.total_value * rate
    
    def allocate_itr_to_tokens(self, total_tokens):
        total_itr = self.calculate_itr_liability(0.9)  # Assumindo produtiva
        itr_per_token = total_itr / total_tokens
        
        return {
            "total_itr_annual": total_itr,
            "itr_per_token": itr_per_token,
            "collection_mechanism": "Dedução automática dos rendimentos"
        }

contract IPTUManagement {
    mapping(address => uint256) public tokenHoldings;
    uint256 public annualIPTU;
    uint256 public totalTokenSupply;
    
    address public propertyManager;
    
    function collectIPTUFromHolders() external onlyManager {
        uint256 iptuPerToken = annualIPTU / totalTokenSupply;
        
        for (address holder : getTokenHolders()) {
            uint256 holderTokens = tokenHoldings[holder];
            uint256 holderIPTU = iptuPerToken * holderTokens;
            
            // Deduzir dos próximos rendimentos
            pendingDeductions[holder] += holderIPTU;
        }
        
        // Pagar IPTU à prefeitura
        payable(MUNICIPAL_TREASURY).transfer(annualIPTU);
    }
    
    function payIPTUDirectly() external payable {
        require(msg.value >= calculateHolderIPTU(msg.sender), "Insufficient payment");
        
        uint256 holderIPTU = calculateHolderIPTU(msg.sender);
        pendingDeductions[msg.sender] -= holderIPTU;
        
        emit IPTUPaidDirectly(msg.sender, holderIPTU);
    }
}

graph TD
    A[Pessoa Física] --> B[Holding Patrimonial]
    B --> C[SPE por Imóvel]
    C --> D[Tokens Emitidos]
    D --> E[Investidores Externos]
    
    B --> F[Benefícios Fiscais]
    F --> G[Lucros Presumidos]
    F --> H[Planejamento Sucessório]
    F --> I[Otimização IRPJ/CSLL]

class TaxHarvestingStrategy:
    def __init__(self, token_portfolio):
        self.portfolio = token_portfolio
        self.annual_threshold = 35000  # Threshold para isenção
        
    def optimize_realizations(self, target_year):
        gains = []
        losses = []
        
        for token in self.portfolio:
            current_value = self.get_current_value(token)
            cost_basis = token["cost_basis"]
            
            if current_value > cost_basis:
                gains.append({
                    "token": token,
                    "gain": current_value - cost_basis,
                    "holding_period": self.calculate_holding_period(token)
                })
            else:
                losses.append({
                    "token": token,
                    "loss": cost_basis - current_value,
                    "holding_period": self.calculate_holding_period(token)
                })
        
        # Estratégia: realizar perdas em dezembro, ganhos em janeiro
        return self.schedule_transactions(gains, losses, target_year)
    
    def schedule_transactions(self, gains, losses, year):
        schedule = {
            f"{year}-12": [],  # Dezembro: realizar perdas
            f"{year+1}-01": []  # Janeiro: realizar ganhos
        }
        
        # Dezembro: realizar perdas para compensar ganhos
        total_losses = 0
        for loss in losses:
            if total_losses < self.annual_threshold:
                schedule[f"{year}-12"].append({
                    "action": "sell",
                    "token": loss["token"],
                    "purpose": "tax_loss_harvesting"
                })
                total_losses += loss["loss"]
        
        # Janeiro: realizar ganhos até threshold de isenção
        total_gains = 0
        for gain in gains:
            if total_gains < self.annual_threshold:
                schedule[f"{year+1}-01"].append({
                    "action": "sell",
                    "token": gain["token"],
                    "purpose": "tax_free_gain_realization"
                })
                total_gains += gain["gain"]
        
        return schedule

class OffshoreTokenStructure:
    def __init__(self, investor_patrimony, target_jurisdiction):
        self.patrimony = investor_patrimony
        self.jurisdiction = target_jurisdiction
        
    def calculate_tax_efficiency(self):
        brazil_tax = self.calculate_brazil_tax()
        offshore_tax = self.calculate_offshore_tax()
        
        structures = {
            "direct_brazil": {
                "capital_gains_tax": brazil_tax["capital_gains"],
                "income_tax": brazil_tax["income"],
                "complexity": "baixa",
                "compliance_cost": self.patrimony * 0.005
            },
            "singapore_holding": {
                "capital_gains_tax": 0,  # Isento
                "income_tax": offshore_tax["singapore"]["income"],
                "complexity": "alta", 
                "compliance_cost": self.patrimony * 0.02,
                "setup_cost": 50000
            },
            "portugal_nhr": {
                "capital_gains_tax": 0,  # Primeiros 10 anos
                "income_tax": offshore_tax["portugal"]["income"],
                "complexity": "média",
                "compliance_cost": self.patrimony * 0.015,
                "residency_requirement": True
            }
        }
        
        return structures

def project_tax_scenarios(investment_amount, holding_period):
    scenarios = {
        "status_quo": {
            "probability": 0.3,
            "capital_gains_rate": 0.15,
            "income_tax_rate": 0.275,
            "description": "Mantém regime atual de criptoativos"
        },
        "fii_equivalence": {
            "probability": 0.4,
            "capital_gains_rate": 0.0,  # Isento PF
            "income_tax_rate": 0.0,     # Isento PF
            "iof_rate": 0.005,          # 0.5% por transação
            "description": "Equiparação tributária com FIIs"
        },
        "hybrid_regime": {
            "probability": 0.3,
            "capital_gains_rate": 0.10,  # Reduzido
            "income_tax_rate": 0.15,     # Reduzido
            "come_cotas": 0.005,         # 0.5% semestral
            "description": "Regime híbrido específico"
        }
    }
    
    expected_tax = 0
    for scenario, data in scenarios.items():
        scenario_tax = calculate_scenario_tax(investment_amount, holding_period, data)
        expected_tax += scenario_tax * data["probability"]
    
    return expected_tax

{
  "reforma_tributaria_impacts": {
    "ibs_unification": {
      "current_taxes": ["ICMS", "ISS", "IPI", "PIS", "COFINS"],
      "new_structure": "IBS único de ~25%",
      "token_impact": "Simplificação na estruturação"
    },
    "ir_simplification": {
      "current": "Múltiplas alíquotas por tipo de renda",
      "proposed": "Alíquota única progressiva",
      "token_benefit": "Menor complexidade de compliance"
    },
    "digital_focus": {
      "current": "Regulação analógica adaptada",
      "proposed": "Framework nativo digital",
      "opportunity": "Regime específico para tokens"
    }
  }
}

def recommend_blockchain(use_case, transaction_volume, budget):
    if use_case == "institutional_grade":
        return {
            "primary": "Ethereum",
            "justification": "Máxima segurança e descentralização",
            "layer2": "Polygon para operações frequentes"
        }
    
    elif use_case == "retail_focused":
        return {
            "primary": "Polygon",
            "justification": "Baixo custo, alta velocidade",
            "fallback": "BSC para ecosistema Binance"
        }
    
    elif use_case == "hybrid":
        return {
            "primary": "Polygon",
            "bridge": "Ethereum para liquidez institucional",
            "justification": "Best of both worlds"
        }
    
    # Considerações específicas para DREX
    if "drex_compatibility" in use_case:
        return {
            "primary": "Ethereum",
            "justification": "Maior probabilidade de integração oficial",
            "preparation": "Contratos compatíveis com DREX"
        }

class BlockchainCostAnalysis:
    def __init__(self, blockchain, monthly_transactions):
        self.blockchain = blockchain
        self.monthly_tx = monthly_transactions
        
        self.gas_costs = {
            "ethereum": {"transfer": 21000, "contract_call": 150000, "gwei_price": 30},
            "polygon": {"transfer": 21000, "contract_call": 150000, "gwei_price": 30},
            "bsc": {"transfer": 21000, "contract_call": 150000, "gwei_price": 5}
        }
        
        self.eth_price = 2400  # USD
        self.matic_price = 0.80  # USD
        self.bnb_price = 300  # USD
    
    def calculate_monthly_costs(self):
        config = self.gas_costs[self.blockchain]
        
        if self.blockchain == "ethereum":
            tx_cost_usd = (config["contract_call"] * config["gwei_price"] * 1e-9) * self.eth_price
        elif self.blockchain == "polygon":
            tx_cost_usd = (config["contract_call"] * config["gwei_price"] * 1e-9) * self.matic_price
        else:  # BSC
            tx_cost_usd = (config["contract_call"] * config["gwei_price"] * 1e-9) * self.bnb_price
        
        monthly_cost = tx_cost_usd * self.monthly_tx
        annual_cost = monthly_cost * 12
        
        return {
            "per_transaction_usd": tx_cost_usd,
            "monthly_cost_usd": monthly_cost,
            "annual_cost_usd": annual_cost,
            "cost_per_million_reais": annual_cost / (1_000_000 / 5.2)  # Assumindo USD/BRL 5.2
        }

# Exemplo: 10.000 transações mensais
ethereum_costs = BlockchainCostAnalysis("ethereum", 10000).calculate_monthly_costs()
polygon_costs = BlockchainCostAnalysis("polygon", 10000).calculate_monthly_costs()

# Resultado típico:
# Ethereum: ~$45.000/ano
# Polygon: ~$240/ano

// Contrato preparado para integração DREX
contract DREXCompatibleToken {
    // Interface para DREX quando disponível
    interface IDREX {
        function transfer(address to, uint256 amount) external returns (bool);
        function balanceOf(address account) external view returns (uint256);
    }
    
    address public drexTokenAddress;
    bool public drexIntegrationActive;
    
    modifier whenDREXActive() {
        require(drexIntegrationActive, "DREX integration not active");
        _;
    }
    
    function enableDREXIntegration(address _drexToken) external onlyOwner {
        drexTokenAddress = _drexToken;
        drexIntegrationActive = true;
        
        emit DREXIntegrationEnabled(_drexToken);
    }
    
    function purchaseWithDREX(uint256 tokenAmount) external whenDREXActive {
        uint256 drexRequired = tokenAmount * tokenPrice;
        
        // Transfer DREX from buyer
        IDREX(drexTokenAddress).transferFrom(msg.sender, address(this), drexRequired);
        
        // Mint tokens to buyer
        _mint(msg.sender, tokenAmount);
        
        emit TokensPurchasedWithDREX(msg.sender, tokenAmount, drexRequired);
    }
    
    function distributeRentInDREX() external onlyManager whenDREXActive {
        uint256 totalRent = IDREX(drexTokenAddress).balanceOf(address(this));
        uint256 totalSupply = totalSupply();
        
        for (address holder : getTokenHolders()) {
            uint256 holderShare = balanceOf(holder);
            uint256 rentShare = (totalRent * holderShare) / totalSupply;
            
            IDREX(drexTokenAddress).transfer(holder, rentShare);
        }
    }
}

// Contrato principal do token imobiliário
contract RealEstateToken is ERC20, Ownable, Pausable {
    using SafeMath for uint256;
    
    struct PropertyDetails {
        string propertyAddress;
        string registryNumber;
        uint256 totalValue;
        uint256 purchaseDate;
        string valuationReport;
    }
    
    PropertyDetails public property;
    
    // Gestão de rendimentos
    mapping(address => uint256) public lastRentClaim;
    mapping(address => uint256) public accumulatedRent;
    
    uint256 public totalRentDistributed;
    uint256 public constant RENT_DISTRIBUTION_INTERVAL = 30 days;
    
    // Governança
    mapping(bytes32 => Proposal) public proposals;
    mapping(bytes32 => mapping(address => bool)) public votes;
    
    struct Proposal {
        string description;
        uint256 votingPower;
        uint256 deadline;
        bool executed;
        ProposalType proposalType;
    }
    
    enum ProposalType { Maintenance, Refinancing, Sale, Management }
    
    // Eventos
    event RentDistributed(uint256 totalAmount, uint256 timestamp);
    event ProposalCreated(bytes32 proposalId, string description);
    event VoteCast(bytes32 proposalId, address voter, uint256 weight);
    
    constructor(
        string memory _name,
        string memory _symbol,
        PropertyDetails memory _property,
        uint256 _totalSupply
    ) ERC20(_name, _symbol) {
        property = _property;
        _mint(msg.sender, _totalSupply);
    }
    
    // Distribuição de aluguéis
    function distributeRent() external payable onlyOwner {
        require(msg.value > 0, "No rent to distribute");
        
        totalRentDistributed = totalRentDistributed.add(msg.value);
        
        emit RentDistributed(msg.value, block.timestamp);
    }
    
    function claimRent() external {
        require(balanceOf(msg.sender) > 0, "No tokens held");
        
        uint256 timeElapsed = block.timestamp.sub(lastRentClaim[msg.sender]);
        require(timeElapsed >= RENT_DISTRIBUTION_INTERVAL, "Too early to claim");
        
        uint256 holderShare = balanceOf(msg.sender);
        uint256 rentShare = totalRentDistributed.mul(holderShare).div(totalSupply());
        
        lastRentClaim[msg.sender] = block.timestamp;
        accumulatedRent[msg.sender] = accumulatedRent[msg.sender].add(rentShare);
        
        payable(msg.sender).transfer(rentShare);
    }
    
    // Sistema de governança
    function createProposal(
        string memory _description,
        ProposalType _type,
        uint256 _duration
    ) external returns (bytes32) {
        require(balanceOf(msg.sender) >= totalSupply().div(100), "Insufficient tokens"); // 1% mínimo
        
        bytes32 proposalId = keccak256(abi.encodePacked(_description, block.timestamp));
        
        proposals[proposalId] = Proposal({
            description: _description,
            votingPower: 0,
            deadline: block.timestamp.add(_duration),
            executed: false,
            proposalType: _type
        });
        
        emit ProposalCreated(proposalId, _description);
        return proposalId;
    }
    
    function vote(bytes32 _proposalId, bool _support) external {
        require(balanceOf(msg.sender) > 0, "No voting power");
        require(!votes[_proposalId][msg.sender], "Already voted");
        require(block.timestamp <= proposals[_proposalId].deadline, "Voting ended");
        
        uint256 votingWeight = balanceOf(msg.sender);
        
        if (_support) {
            proposals[_proposalId].votingPower = proposals[_proposalId].votingPower.add(votingWeight);
        }
        
        votes[_proposalId][msg.sender] = true;
        
        emit VoteCast(_proposalId, msg.sender, votingWeight);
    }
    
    function executeProposal(bytes32 _proposalId) external {
        Proposal storage proposal = proposals[_proposalId];
        
        require(block.timestamp > proposal.deadline, "Voting not ended");
        require(!proposal.executed, "Already executed");
        require(proposal.votingPower > totalSupply().div(2), "Insufficient votes"); // >50%
        
        proposal.executed = true;
        
        // Executar ação baseada no tipo de proposta
        if (proposal.proposalType == ProposalType.Maintenance) {
            // Lógica para aprovação de manutenção
        } else if (proposal.proposalType == ProposalType.Sale) {
            // Lógica para venda do imóvel
        }
        // Outras implementações...
    }
    
    // Funções de emergência
    function pause() external onlyOwner {
        _pause();
    }
    
    function unpause() external onlyOwner {
        _unpause();
    }
    
    function _beforeTokenTransfer(
        address from,
        address to,
        uint256 amount
    ) internal override whenNotPaused {
        super._beforeTokenTransfer(from, to, amount);
        
        // Atualizar registros de rent claim
        if (from != address(0) && lastRentClaim[from] == 0) {
            lastRentClaim[from] = block.timestamp;
        }
        if (to != address(0) && lastRentClaim[to] == 0) {
            lastRentClaim[to] = block.timestamp;
        }
    }
}

class SmartContractAudit:
    def __init__(self, contract_address):
        self.contract = contract_address
        self.audit_checklist = {
            "security": [
                "Reentrancy protection",
                "Integer overflow/underflow",
                "Access control validation", 
                "Front-running protection",
                "Flash loan attack prevention"
            ],
            "functionality": [
                "Token transfer mechanics",
                "Rent distribution accuracy",
                "Governance voting logic",
                "Emergency pause functionality",
                "Upgrade mechanisms"
            ],
            "gas_optimization": [
                "Loop optimization",
                "Storage vs memory usage",
                "Function visibility",
                "Event emission efficiency"
            ],
            "compliance": [
                "ERC-20 standard compliance",
                "Brazilian legal requirements",
                "KYC/AML integration points",
                "Tax calculation accuracy"
            ]
        }
    
    def run_automated_tests(self):
        tools = {
            "slither": self.run_slither_analysis(),
            "mythx": self.run_mythx_scan(),
            "echidna": self.run_property_testing(),
            "manticore": self.run_symbolic_execution()
        }
        
        vulnerability_score = self.calculate_risk_score(tools)
        
        return {
            "overall_score": vulnerability_score,
            "critical_issues": tools["slither"]["critical"],
            "recommendations": self.generate_recommendations(tools),
            "certification_ready": vulnerability_score < 20  # < 20 issues
        }
    
    def manual_audit_requirements(self):
        return {
            "auditor_certification": "CertiK, ConsenSys, Trail of Bits",
            "minimum_experience": "50+ smart contract audits",
            "real_estate_specific": "Experience with asset tokenization",
            "brazilian_compliance": "Knowledge of Brazilian regulations",
            "deliverables": [
                "Comprehensive audit report",
                "Vulnerability assessment",
                "Gas optimization recommendations",
                "Formal verification report"
            ]
        }

// Usando OpenZeppelin Proxy Pattern
contract RealEstateTokenV1 is Initializable, UUPSUpgradeable, OwnableUpgradeable {
    
    function initialize(
        string memory _name,
        string memory _symbol,
        PropertyDetails memory _property
    ) public initializer {
        __ERC20_init(_name, _symbol);
        __Ownable_init();
        __UUPSUpgradeable_init();
        
        property = _property;
    }
    
    function _authorizeUpgrade(address newImplementation) 
        internal 
        override 
        onlyOwner 
    {
        // Lógica adicional de autorização se necessário
        require(newImplementation != address(0), "Invalid implementation");
        
        // Verificar se nova versão foi auditada
        require(isAuditedContract(newImplementation), "Contract not audited");
    }
    
    // Governança para upgrades
    function proposeUpgrade(address newImplementation) external {
        require(balanceOf(msg.sender) >= totalSupply() / 10, "Need 10% to propose"); // 10% mínimo
        
        bytes32 proposalId = keccak256(abi.encodePacked("upgrade", newImplementation, block.timestamp));
        
        proposals[proposalId] = Proposal({
            description: string(abi.encodePacked("Upgrade contract to ", newImplementation)),
            votingPower: 0,
            deadline: block.timestamp + 7 days,
            executed: false,
            proposalType: ProposalType.Upgrade,
            targetAddress: newImplementation
        });
    }
    
    function executeUpgrade(bytes32 _proposalId) external {
        Proposal storage proposal = proposals[_proposalId];
        
        require(proposal.proposalType == ProposalType.Upgrade, "Not upgrade proposal");
        require(proposal.votingPower > totalSupply() * 2 / 3, "Need 66.7% approval"); // Supermaioria
        require(block.timestamp > proposal.deadline, "Voting not ended");
        require(!proposal.executed, "Already executed");
        
        proposal.executed = true;
        
        _upgradeToAndCall(proposal.targetAddress, "", false);
    }
}

{
  "tokenization_platforms": {
    "institutional": [
      {
        "name": "Liqi Digital Assets",
        "focus": "Ativos alternativos tokenizados",
        "compliance": "CVM registrada",
        "cost_range": "R$ 100k - R$ 500k"
      },
      {
        "name": "Vortx QR Tokenizadora",
        "focus": "Real estate e infrastructure",
        "compliance": "BACEN supervised",
        "cost_range": "R$ 200k - R$ 800k"
      }
    ],
    "retail_focused": [
      {
        "name": "Hashdex Tokenization",
        "focus": "Retail investors",
        "compliance": "CVM compliant",
        "cost_range": "R$ 50k - R$ 150k"
      }
    ]
  }
}

interface UserExperience {
  onboarding: {
    kyc_process: "Progressive disclosure"; // Não sobrecarregar
    education: "Interactive tutorials";
    wallet_setup: "Abstracted from user";
    first_investment: "Guided step-by-step";
  };
  
  investment_flow: {
    property_discovery: "Visual cards with key metrics";
    due_diligence: "Simplified reports + detailed on-demand";
    purchase_process: "One-click buying";
    payment: "Traditional methods + crypto";
  };
  
  portfolio_management: {
    dashboard: "Real estate focused metrics";
    distributions: "Automatic + notifications";
    documents: "Digital vault";
    governance: "Simple voting interface";
  };
  
  mobile_first: {
    responsive: "PWA with offline capabilities";
    notifications: "Push for distributions and votes";
    biometric: "Face/Touch ID for transactions";
    nfc: "Future integration for property access";
  };
}

// React component para investimento simplificado
const PropertyInvestmentCard = ({ property }) => {
  const [investment, setInvestment] = useState(1000);
  const [loading, setLoading] = useState(false);
  
  const handleInvest = async () => {
    setLoading(true);
    
    try {
      // Abstração completa da blockchain para o usuário
      const result = await tokenizeInvestment({
        propertyId: property.id,
        amount: investment,
        paymentMethod: 'pix', // PIX integrado nativamente
        autoDistribution: true
      });
      
      // Sucesso com linguagem familiar
      showSuccessMessage(
        `Parabéns! Você agora possui ${result.tokensReceived} tokens do ${property.name}. 
         Seu primeiro aluguel chegará em ${result.nextDistribution}.`
      );
      
    } catch (error) {
      showErrorMessage("Ops, algo deu errado. Tente novamente.");
    }
    
    setLoading(false);
  };
  
  return (
    <div className="property-card">
      <img src={property.images[0]} alt={property.name} />
      
      <div className="property-info">
        <h3>{property.name}</h3>
        <p className="location">{property.location}</p>
        
        <div className="metrics">
          <div className="metric">
            <span className="label">Rendimento</span>
            <span className="value">{property.yield}% a.a.</span>
          </div>
          <div className="metric">
            <span className="label">Valorização</span>
            <span className="value">+{property.appreciation}%</span>
          </div>
        </div>
        
        <div className="investment-input">
          <label>Quanto investir?</label>
          <input 
            type="number" 
            value={investment}
            onChange={(e) => setInvestment(e.target.value)}
            min="100"
            step="100"
          />
          <small>Você receberá ~{investment / property.tokenPrice} tokens</small>
        </div>
        
        <button 
          onClick={handleInvest}
          disabled={loading}
          className="invest-button"
        >
          {loading ? 'Processando...' : 'Investir Agora'}
        </button>
      </div>
    </div>
  );
};