🏦 PR 18: Interest Rates & Tax Withholding (236/242/243)

Author: Ze0ro99

docs/PiRC-236-Dynamic-Interest-Rate-Curves.md

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+# PiRC-236: Dynamic Interest Rate Curves
+
+## 1. Executive Summary
+This standard defines the algorithmic interest rate models for Pi Network lending protocols. It utilizes dynamic curves based on capital utilization ratios to optimize liquidity and protect against bank runs.
+
+**Dependencies**: PiRC-231
+**Status**: Complete reference implementation
+
+## 2. Architecture
+- Utilization ratio calculation (Borrowed / Total Liquidity)
+- Kinked interest rate models (Base rate + Multiplier)
+- Spike rates for extreme utilization (protecting reserves)
+
+## 3. Reference Smart Contracts
+**Solidity**: `contracts/PiRC236InterestRates.sol`
+**Soroban**: `contracts/soroban/src/interest_rates.rs`
+
+## 4. Implementation Roadmap
+- Phase 1: Linear interest rate models
+- Phase 2: Kinked curve implementation
+- Phase 3: AI-driven dynamic curve adjustments (via PiRC-237)

docs/PiRC-242-Institutional-Stealth-Addresses.md

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+# PiRC-242: Stealth Addresses for Institutional Block Trades
+
+## 1. Executive Summary
+This standard implements stealth addresses to enable private, front-running-resistant block trades for institutional participants, ensuring trade flow confidentiality.
+
+**Dependencies**: PiRC-241
+**Status**: Complete reference implementation
+
+## 2. Architecture
+- Elliptic Curve Diffie-Hellman (ECDH) shared secret generation
+- One-time address registry
+- Integration with PiRC-215 AMM for private routing
+
+## 3. Reference Smart Contracts
+**Solidity**: `contracts/PiRC242StealthAddresses.sol`
+**Soroban**: `contracts/soroban/src/stealth_addresses.rs`
+
+## 4. Implementation Roadmap
+- Phase 1: ECDH registry and one-time address generation
+- Phase 2: Private asset routing
+- Phase 3: Full AMM integration

docs/PiRC-243-Automated-Tax-Withholding.md

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+# PiRC-243: Automated Tax and Compliance Withholding
+
+## 1. Executive Summary
+This standard introduces an automated withholding layer that intercepts transactions to calculate and route tax or compliance fees directly to designated jurisdictional vaults.
+
+**Dependencies**: PiRC-207, PiRC-241
+**Status**: Complete reference implementation
+
+## 2. Architecture
+- Transaction interception hooks
+- Jurisdictional tax rate mapping
+- Automated treasury routing
+
+## 3. Reference Smart Contracts
+**Solidity**: `contracts/PiRC243TaxWithholding.sol`
+**Soroban**: `contracts/soroban/src/tax_withholding.rs`
+
+## 4. Implementation Roadmap
+- Phase 1: Withholding logic and rate mapping
+- Phase 2: Jurisdictional vault integration
+- Phase 3: Cross-chain tax settlement