Stablecoins & IOUs
Multi-currency stablecoin issuance with over-collateralized reserves and cryptographic proof-of-reserves.
USDT
$185M
Primary stablecoin for USD operations
EUR
€50M
European market stablecoin
GBP
£30M
British pound stablecoin
GOLD
20M oz
Gold-backed tokens
USD
$60K
Small denomination USD
DONK
2M
Platform utility token
Issuance Model
All stablecoins are issued as XRPL IOUs (trust lines) from our dedicated issuer wallet. Each token is backed by reserves held in our treasury wallet.
Issuance Process
- User requests stablecoin (e.g., 1000 USDT)
- AI compliance agent verifies user eligibility
- User deposits collateral (fiat, crypto, or RWA)
- Treasury node creates trustline and issues tokens
- Tokens appear in user wallet instantly
Redemption Process
- User sends stablecoins back to issuer
- AI treasury agent validates transaction
- Tokens are burned (removed from circulation)
- Collateral released to user (fiat/crypto/asset)
- Settlement within 24 hours
Proof of Reserves
Our stablecoins maintain 110% over-collateralization at all times. Reserves are verifiable on-chain and audited monthly.
- On-Chain Verification: All issuer and treasury wallets are public on XRPScan
- IPFS Attestations: Monthly reserve reports published to IPFS with cryptographic signatures
- AI Monitoring: Treasury agent continuously monitors reserve ratios and alerts on deviations
- Bank Custodians: Fiat reserves held with regulated banks (statements available on request)
- Real-Time Dashboard: Public dashboard showing live collateralization ratios
Current Collateralization: 114.2% | Last Audit: Nov 10, 2025 |IPFS: Qm...