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Streaming model

Every account carries settled, netFlowRate, and lastSettled. The realtime balance is linear accrual the chain computes on read:

realtimeBalanceOf(a) = settled(a) + netFlowRate(a) * (now - lastSettled(a))

This is Superfluid's Constant Flow Agreement condensed into one contract over the native token. A 4-hour solvency buffer is locked at createFlow so a stream can never overdraw.