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The CNBM project (Crypto-Native Base Money) pioneers a decentralized financial ecosystem centered on CNUSD 
, a U.S. Dollar-pegged stablecoin backed by a diversified portfolio of on-chain crypto assets (e.g., Bitcoin, Ethereum) and, from Q2 2026, tokenized Real-World Assets (RWAs) such as stocks, commodities (e.g., gold, silver), and real estate.
CNUSD serves as a transparent, fiat-independent base currency for payments, lending, and cross-chain settlements. The ecosystem is governed by the PD Assembly, which is formed through the public sale of PD Tokens. Each PD Token serves as an exclusive minting right, a share of the ecosystem, and the basis for revenue distribution within the ecosystem.
The Dual Value Tokenization Model (DVTM 
) splits volatile assets into stable CNUSD ($1) and volatile RC Tokens (Residual Claim) for transparency and stability. The RWA integration enhances CNUSD 's resilience against crypto market volatility by diversifying its collateral base.
The ecosystem includes DecenBank 
for CNUSD issuance, FBank 
for regional CNCurrencies (e.g., CNEUR, CNAED), and a Currency Market Layer for liquidity. The 2024–2027 roadmap, funded by PD Token sales, targets milestones like $50M in liquidity and 100K CNUSD transactions by Q4 2025, with RWA collateral onboarding starting Q2 2026.
By fostering interoperability and partnerships with DeFi protocols (e.g., Uniswap, Aave) and RWA platforms, CNBM aims to redefine global finance. Join us: invest in PD Tokens, build with CNBM APIs, or use CNUSD for seamless transactions. Visit cnbm.io or engage with #CryptoNativeBaseMoney on X.
The CNBM project (Crypto-Native Base Money) establishes a decentralized financial ecosystem, starting with the PD Assembly, a governance body formed through PD Token sales. CNUSD , a stablecoin pegged to the U.S. Dollar, is initially backed by digital assets and, from Q2 2026, by tokenized Real-World Assets (RWAs) such as stocks, gold, and real estate, operating on-chain for transparency and reliability.
As a decentralized base currency, CNUSD is free from centralized control and fiat reserves, enabling applications like cross-border payments and DeFi lending. For example, it can be used as an alternative to current stablecoins in the crypto market or as a digital currency for international payments.
The Dual Value Tokenization Model (DVTM ) splits volatile assets into stable CNUSD ($1) and volatile RC Tokens, addressing volatility and trust challenges. From Q2 2026, CNUSD will incorporate tokenized RWAs as collateral, creating a diversified backing portfolio that enhances stability against crypto market fluctuations.
Deployed across blockchains (e.g., Ethereum, BNB Chain, Solana), CNBM ensures interoperability and adoption for developers, investors, and users, with PD Token holders driving its governance and growth.
Dual Value Tokenization Model (DVTM )
The Dual Value Tokenization Model (DVTM ) is the cornerstone of CNBM, enabling the creation of a stable currency from volatile assets, including cryptocurrencies and tokenized RWAs. When a user deposits an asset (e.g., Bitcoin, Ethereum, tokenized gold) into a smart contract, DVTM splits it into:
- CNUSD : A stable token valued at $1, serving as the ecosystem's base currency.
- RC Token (Residual Claim): A volatile token capturing the asset's remaining value (Total Value − $1).
Example:
1 BTC ($30,000) → 1 CNUSD ($1) + 1 RCBTC ($29,999)
1 ETH ($1,800) → 1 CNUSD ($1) + 1 RCETH 
($1,799)
1 oz Gold (RWA) ($2,000) → 1 CNUSD ($1) + 1 RCGOLD ($1,999)
Both tokens must be returned to redeem the asset, ensuring collateral security. DVTM guarantees transparency, user control, and stability without fiat reserves.
Asset Value Breakdown:
| Asset | Value | CNUSD Issued |
RC Token Issued |
|---|---|---|---|
| 1 BTC | $30,000 | 1 CNUSD ($1) |
1 RCBTC ($29,999) |
| 1 ETH | $1,800 | 1 CNUSD ($1) |
1 RCETH ($1,799) |
| 1 oz Gold (RWA) | $2,000 | 1 CNUSD ($1) |
1 RCGOLD ($1,999) |
Unlike centralized stablecoin models, DVTM ensures full transparency and allows users to retain exposure to asset price movements via RC Tokens, supporting CNBM's mission for a decentralized monetary system.
CNUSD
CNUSD is the core stablecoin and foundational base money unit of the CNBM ecosystem, pegged to the U.S. Dollar and backed initially by on-chain crypto assets (such as Bitcoin, Ethereum, and BNB) and, from Q2 2026, by tokenized Real-World Assets (RWAs) such as stocks, gold, and real estate.
Unlike conventional stablecoins, CNUSD fully embodies the characteristics of a real monetary unit:
- It is minted based on verified and auditable collateral.
- It guarantees permanent redeemability against its underlying collateral under all circumstances.
- Its value is anchored by the globally recognized U.S. Dollar reference.
All data regarding collateral backing and CNUSD supply are available online, in real-time, with full transparency — making CNUSD the first truly transparent digital currency in history.
For end users, CNUSD is presented as a simple, decentralized stablecoin, requiring no knowledge of the underlying minting processes or ecosystem mechanics.
Access to CNUSD for End Users
CNUSD is available through liquidity pools and exchanges, both decentralized (DEX) and centralized (CEX).
The transfer fee for CNUSD is uniformly fixed across all blockchains at 0.25% of the transaction amount, plus the standard network transaction fee.
End users can simply hold, transfer, or spend CNUSD like any other stablecoin, without any need to engage with the complexities of the broader CNBM ecosystem.
CNUSD Issuance Process for Creators (Minters)
Only holders of PD Tokens are authorized to mint CNUSD by depositing crypto assets or tokenized RWAs into DecenBank smart contracts.
Upon deposit, users receive 1 CNUSD (valued at $1) and the corresponding RC Token representing the remaining value of the deposited asset.
Example: Depositing 1 SOL valued at $100 → Receives 1 CNUSD + 1 RCSOL.
The RC Token not only absorbs the volatility of the underlying asset but also captures 70% of the total transaction fees generated within the CNBM ecosystem.
This design makes RC Tokens valuable assets and provides strong financial incentives for PD Token holders to participate in minting operations.
Important Note: Redemption Is Open to All
Redemption of underlying assets through DecenBank contracts is open to all users holding CNUSD and the corresponding RC Tokens.
There are no restrictions: any user at any time can redeem their original asset by returning 1 CNUSD + 1 RC Token.
This mechanism ensures CNUSD's long-term trust, stability, and alignment with true monetary principles.
RC Tokens serve as the volatile counterpart to CNUSD within the CNBM ecosystem, created under the Dual Value Tokenization Model (DVTM ).
Whenever an asset (either a cryptocurrency or a tokenized Real-World Asset) is deposited into DecenBank for minting CNUSD , two tokens are issued:
- CNUSD : A stable token pegged to $1.
- RC Token (Residual Claim Token): A volatile token representing the remaining value of the deposited asset above $1.
Key Roles of RC Tokens:
- Volatility Absorption: RC Tokens absorb the price fluctuations of the underlying asset, ensuring the continuous stability of CNUSD .
- Access to Residual Value: RC Tokens reflect the positive or negative changes in the value of the deposited asset, allowing holders to stay exposed to market dynamics.
- Revenue Sharing: RC Token holders are entitled to receive 70% of all CNUSD transaction fees generated on the same blockchain where the corresponding RC Token was issued.
- Liquidity and Tradability: RC Tokens are freely tradable on DeFi markets, enabling users to speculate, stake, or collateralize them for additional financial opportunities.
Example:
Deposit 1 ETH valued at $2,000 → Mint 1 CNUSD ($1) + 1 RCETH ($1,999).
If ETH's price rises to $2,500, RCETH will reflect a value increase to approximately $2,499.
To redeem the original asset, the user must return both the 1 CNUSD and the corresponding RC Token to the DecenBank contract.
The CNBM ecosystem integrates smart contracts and economic models to create a decentralized, scalable, and fiat-independent monetary system. Each component operates independently without reliance on other parts, while collectively covering all the needs of a complete financial system in a seamless manner. The structure includes the issuance of CNUSD , management of regional currencies, and fostering liquidity across multiple blockchains. Additionally, from Q2 2026, the ecosystem's stability will be further enhanced through the integration of Real-World Assets (RWA).
Ecosystem Components:
| Component | Function | Key Feature | Governance |
|---|---|---|---|
| DecenBank |
Issues CNUSD and RC Tokens |
Fee-free minting/redemption; RC Debt | Immutable |
| FBank |
Issues CNCurrencies (e.g., CNEUR) | CNUSD -backed minting; lending, staking |
CNC DAO  (PD holders) |
| Currency Market | Facilitates trading (CNUSD , CNCurrency, RC) |
Liquidity pools; arbitrage stability | PD-driven liquidity |
| RWA Collateral | Diversifies CNUSD backing with tokenized RWAs |
Stocks, gold, real estate as collateral | PD Assembly |
DecenBank : CNUSD Issuance Hub
DecenBank is the primary smart contract responsible for minting CNUSD and issuing RC Tokens in the CNBM ecosystem, operating based on the Dual Value Tokenization Model (DVTM ).
DecenBank Mechanism
Upon receiving one unit of volatile collateral (crypto or tokenized RWA), DecenBank automatically:
- Mints 1 CNUSD as the stable base currency
- Issues 1 corresponding RC Token to the minter, acting as a collateral receipt
DecenBank contracts are simple, immutable, and non-upgradable once deployed. Minting CNUSD is restricted exclusively to PD Token holders. Redemption (burning) of CNUSD and the corresponding RC Token is open to all users without restrictions. Both minting and redemption processes are fee-free.
CNUSD Transaction Fee Revenue Distribution
All transaction fees generated from CNUSD transfers are collected by DecenBank smart contracts. Revenue distribution is as follows:
- 70% of CNUSD transaction fees are allocated to the existing RC Token holders on the same blockchain
- 30% of CNUSD transaction fees are allocated to PD Token holders
Key Functions of DecenBank
1. Minting and Redemption (Fee-Free)
Minting:
- Deposit an asset → Receive 1 CNUSD + 1 RC Token
Redemption:
- Return 1 CNUSD + 1 RC Token → Retrieve full base asset
All mint/burn processes are fully on-chain, public, and immutable.
2. RC Debt Issuance
All RC Token holders can lock their RC Tokens in smart contracts and borrow a portion of the base asset.
- No interest. No expiry.
- Borrowing is based on a fixed Loan-to-Value (LTV) ratio.
3. AutoLoop 
(Exclusive to PD Token Holders)
AutoLoop automatically manages the following cycle:
- Minting CNUSD
- Receiving RC
- Borrowing the base asset via RC Debt Issuance
- Reinvesting the borrowed base asset
AutoLoop maximizes capital efficiency while preserving full overcollateralization.
AutoLoop Example Calculations:
- After 10 loops → approximately 9.46 CNUSD minted
- After 25 loops → approximately 21.99 CNUSD minted
- Full loop → approximately 99 CNUSD minted
All RC Tokens remain locked unless full repayment is completed.
Illustrative Example:
A user deposits 1 Ethereum worth $2,000 into DecenBank :
- They receive 1 CNUSD and 1 RCETH
- They can lock RCETH and borrow a portion of the underlying Ethereum with no interest via RC Debt Issuance
- Alternatively, they can use AutoLoop to automatically reinvest and maximize their CNUSD minting over multiple cycles
The CNBM ecosystem is governed and owned through the PD token — representing true decentralized ownership.
PD holders are the only ones allowed to mint CNUSD and to earn a share of the protocol revenue.
- Exclusive Minting Rights for CNUSD
- Revenue Share (30% of all CNUSD transfer fees)
- Governance Access via the PD Assembly
Each chain has its own PD token offering — no private sales, no pre-mines.
Ownership is open, transparent, and tradable on-chain.
FBank : Regional Currency Layer
FBank is a smart contract that mints regional crypto-fiat units (CNCurrencies) based on CNUSD .
FBank receives real-time exchange rates from trusted oracles and mints CNCurrencies precisely according to the actual value of CNUSD .
This ensures that every CNCurrency maintains its value through decentralized, verifiable pricing data.
All FBanks across different networks operate under a unified, centralized reserve.
This central reserve holds the backing for all CNUSD issued, and it supplies liquidity for lending and staking operations.
This structure guarantees the system's stability, liquidity, and security.
Examples:
- CNAED = Crypto Dirham
- CNTRY = Crypto Turkish Lira
- CNEUR = Crypto Euro
Each CNCurrency has its own FBank contract and a dedicated exchange rate oracle.
- Deposit CNUSD → Mint CNCurrency at the oracle rate
- Return CNCurrency → Redeem CNUSD at the current rate
FBanks are governed by the CNC DAO — a decentralized organization formed by PD token holders.
CNC DAO is responsible for:
- Launching new FBanks
- Managing the CNUSD reserve
- Distributing CNC revenue
- Setting FX policies and collateralization rules
FBank can lend CNUSD backed by whitelisted crypto collateral.
Loan-to-Value (LTV), interest rates, and liquidation policies are managed by the CNC DAO .
Goals:
- Increase CNUSD circulation
- Generate DAO revenue
- Boost system liquidity
All lending operations are funded through the central reserve to ensure full backing of assets.
Users can stake CNCurrencies.
FBank pairs the staked CNCurrency with CNUSD from the reserve.
Liquidity Provider (LP) tokens are locked, and users receive 100% APR.
- Users do not need to provide CNUSD themselves
- Simple, gas-efficient farming
- CNUSD remains safely stored in the central reserve
This section represents the internal decentralized foreign exchange (FX) layer of CNBM.
Its main features include:
- CNCurrency ↔ CNCurrency swaps
- CNUSD ↔ Global assets (such as ETH, BTC, USDT)
- RC token markets
- Maintaining decentralized exchange rate stability through arbitrage
The minting and burning mechanisms in FBank establish the real prices.
Liquidity pools reflect these prices.
Arbitrage operations ensure that markets stay aligned with the real-time oracle data.
DecenBank Ver.X: Flexible Collateral
In its standard form, DecenBank uses the blockchain's native coin (e.g., ETH on Ethereum or BNB on BNB Chain) as the base asset for minting CNUSD .
However, in some blockchains or under specific conditions, it may be preferable to use trusted tokenized assets instead of the native coin.
This is where DecenBank Ver.X comes into play.
Examples:
- On Polygon, DecenBank Ver.X can use WBTC (Wrapped Bitcoin) instead of MATIC.
- On Ethereum, DecenBank Ver.X can use PAXG (tokenized gold) instead of ETH.
By utilizing DecenBank Ver.X:
- CNBM gains greater flexibility across different ecosystems.
- It enables CNUSD to be backed by a wide range of high-value assets.
- It allows CNUSD minting to be adapted to specific assets when the native coin is unsuitable.
Ver.X expands the reach of CNBM, adapting its architecture to various asset classes and network conditions.
All revenue generated from CNUSD transfer fees is distributed instantly and transparently on-chain:
- 30% → to PD token holders
- 70% → to RC token holders
There is no centralized development fund. The team earns income only by holding PD tokens, just like any other participant.
Ownership in CNBM is not just symbolic — it represents real-time, transparent access to cash flow directly on the blockchain.
From Q2 2026, CNBM will expand CNUSD's collateral base to include tokenized Real-World Assets (RWAs), such as:
- Equities: Tokenized shares of reputable companies
- Commodities: Tokenized gold, silver, or other stable assets
- Real Estate: Tokenized property assets with verified ownership
Key Features:
- Diversification: Combines volatile cryptocurrencies with stable RWAs, reducing CNUSD's exposure to crypto market swings.
- Stability: RWAs like gold and real estate provide a hedge against crypto volatility, maintaining CNUSD's $1 peg.
- Accessibility: RWAs are tokenized on-chain, enabling seamless integration into DecenBank and cross-chain compatibility.
- Governance: PD Assembly oversees RWA selection criteria (e.g., liquidity, regulatory compliance) and onboarding processes.
Example:
Depositing tokenized gold worth $2,000 yields 1 CNUSD ($1) and 1 RCGOLD ($1,999). If gold's price fluctuates, RCGOLD absorbs the change, preserving CNUSD's stability.
Implementation:
CNBM will partner with RWA tokenization platforms (e.g., Paxos, Tether Gold) and use audited oracles (e.g., Chainlink) to verify RWA values. A dedicated RWA collateral framework will be detailed in a Q1 2026 whitepaper.
Impact:
RWA integration positions CNUSD as a robust, diversified stablecoin, appealing to institutional and retail users seeking stability and trust in decentralized finance.
(Visual Suggestion: A diagram showing CNUSD's collateral portfolio: crypto (BTC, ETH) and RWAs (stocks, gold, real estate).)
The 2024–2027 roadmap, funded by PD Token sales (40% development, 30% liquidity, 15% marketing, 15% 49 Team), establishes CNUSD as a crypto-native base currency with diversified crypto and RWA backing, starting with the PD Assembly.
| Phase | Milestone | Key Actions | Timeline | Success Metrics |
|---|---|---|---|---|
| Design | Complete framework | Develop DVTM , DecenBank , FBank ; feasibility analysis |
Q1–Q4 2024 | Technical validation by DeFi experts |
| Public Launch | PD Token sale | Fair PD sales on Ethereum, BNB Chain, Solana; X campaigns (#CryptoNativeBaseMoney) | Q2 2025 | 1M PD Tokens sold for each blockchain in 3 stages and PD assemblies forms |
| MVP Testing | Test components | Deploy DecenBank on testnet; CertiK audits, community input |
Q3 2025 | Flawless audit report, 10K testnet users |
| Initial Deployment | Launch CNUSD |
Deploy DecenBank; CNUSD /USDT pools on Uniswap |
Q4 2025 | $50M liquidity, 500K CNUSD transactions |
| Expansion | Launch FBank |
Deploy FBank for CNEUR, CNAED; activate CNC DAO |
Q2 2026 | 3 regional currencies, 10K FBank users, $20M CNCurrency volume |
| RWA Framework Design | Develop RWA collateral integration | Partner with RWA platforms; design DVTM for tokenized stocks, gold, real estate |
Q1 2026 | RWA whitepaper published, 2 pilot partnerships |
| Decentralized Governance | Transfer control | PD Assembly manages parameters, CNCurrencies, RWA criteria, infrastructure | Q3 2026 | 70% PD holder participation, 10 governance proposals passed |
| Global Adoption | Scale CNUSD as Base Money |
Partner with e-commerce platforms, integrate CNUSD in 5 major DeFi protocols |
Q1 2027 | 1M active CNUSD users, 100K merchant acceptances |
Smart Contract Security
Multi-stage audits by CertiK and Trail of Bits, $500,000 bug bounty program, PD Assembly-coordinated upgrades. AutoLoop allocates 95% of reserves as interest-free loans, distributing risk.
Outcome: Reduced vulnerabilities, enhanced user confidence.
Market Volatility
DVTM overcollateralization, RC Tokens absorb fluctuations, AutoLoop maintains liquidity. RWA collateral (e.g., gold, real estate) hedges against crypto volatility, ensuring CNUSD stability. New DecenBanks with stable collateral can be deployed if an asset's value collapses.
Outcome: CNUSD stability during market crashes.
Low Adoption
Partnerships with Uniswap, Aave, and RWA platforms; educational campaigns on X (#CryptoNativeBaseMoney); user-friendly interfaces and yield farming for RC Tokens.
Outcome: Increased user base and liquidity.
Regulatory Risk
Fully decentralized design, legal consultations, community-driven solutions via PD Assembly. RWA collateral complies with jurisdictional requirements through partnerships with regulated tokenization platforms.
Outcome: Minimized legal exposure in diverse jurisdictions.
Oracle Data Manipulation
Reputable oracles (e.g., Chainlink) with multiple data sources, CNC DAO oversight, audited FBank and RWA contracts. RWA value verification uses redundant oracle feeds.
Outcome: Reliable FX rates and RWA valuations for CNCurrencies and CNUSD .
RWA Collateral Risks (e.g., Illiquidity, Legal Disputes)
Mitigation: PD Assembly sets strict RWA eligibility criteria (e.g., high liquidity, verified ownership). Partnerships with reputable RWA platforms (e.g., Paxos) ensure compliance and transparency. On-chain audits and quarterly reports on cnbm.io enhance trust.
Outcome: Robust, trustworthy RWA collateral base. Quarterly risk reports are published on cnbm.io, incorporating community feedback.
This section simplifies CNBM for new users:
Obtaining CNUSD :
Deposit crypto (e.g., Ethereum) or, from Q2 2026, RWAs (e.g., tokenized gold) to DecenBank .
Example: 1 ETH ($2,000) → 1 CNUSD ($1) + 1 RCETH ($1,999).
Using CNCurrency:
Deposit CNUSD to FBank to mint CNEUR or CNAED for local payments.
PD Tokens:
Purchase in Q2 2025 for CNUSD minting, 30% fee share, and PD Assembly governance.
Getting Started:
Visit cnbm.io, connect a wallet (e.g., MetaMask), and start with a few clicks.
CNBM integrates with leading DeFi and RWA platforms to enhance adoption:
Decentralized Exchanges:
CNUSD /USDT pools on Uniswap, PancakeSwap, Raydium.
Lending Protocols:
CNUSD and RC as collateral on Aave, Compound.
Oracles:
Chainlink for real-time FX rates and RWA valuations in FBank and DecenBank .
RWA Platforms:
Partnerships with Paxos, Tether Gold, and real estate tokenization providers for RWA collateral.
Developer Tools:
CNBM APIs (x.ai/api) for building payment, lending, or exchange apps.
Liquidity Incentives:
Yield farming and liquidity pools for RC Tokens, including RWA-based RC Tokens (e.g., RCGOLD).
CNBM engages communities via #CryptoNativeBaseMoney on X and collaborates with developers to build commercial applications for CNCurrencies.
CNBM delivers a transformative ecosystem with CNUSD , powered by DVTM and backed by a diversified portfolio of crypto and RWA collateral, starting with the PD Assembly. Integrating DecenBank , FBank , the Currency Market Layer, and RWA collateral from Q2 2026, CNBM supports global payments, DeFi lending, and regional currencies. With a 2024–2027 roadmap and partnerships with DeFi and RWA platforms, CNBM is poised to lead decentralized finance.
Join us:
- Investors: Participate in the PD Token sale (Q2 2025) at cnbm.io.
- Developers: Build with CNBM APIs (x.ai/api).
- Users: Use CNUSD and CNCurrencies for transactions.
- Community: Engage with #CryptoNativeBaseMoney on X.
What is Crypto-Native Base Money, and why is it important?
CNBM creates CNUSD , a decentralized dollar backed by crypto assets and, from Q2 2026, tokenized RWAs (e.g., stocks, gold, real estate). Unlike bank-controlled money, CNUSD runs on transparent blockchains, enabling fast, low-cost payments and DeFi applications.
How does CNBM ensure the security of DecenBank smart contracts and DVTM stability against bugs or attacks?
CNBM employs multi-stage audits by CertiK and Trail of Bits, a $500,000 bug bounty program, and PD Assembly-coordinated upgrades. DVTM's overcollateralization, enhanced by RWA collateral, ensures stability. Audit reports are public on cnbm.io.
How does CNUSD compete with stablecoins like USDT, USDC, or DAI?
CNUSD offers on-chain transparency, diversified crypto and RWA backing (unlike USDT/USDC's fiat reserves), and lower fees. Compared to DAI, DVTM's simpler mechanics and RC Token profits ensure stability without liquidation risks.
How can CNUSD be used as a base currency in real life?
CNUSD supports cross-border payments, online shopping, or DeFi lending. For example, a freelancer in Asia can receive CNUSD from a U.S. client in seconds and convert it to CNAED for local spending.
How do I buy PD Tokens, and are there purchase limits?
PD Tokens will be available in the Q2 2025 sale on cnbm.io. Pricing and limits will be detailed in the PD Token whitepaper. Early investors may receive discounts. Check cnbm.io for updates.
How does CNBM protect users during market crashes or severe collateral drops (e.g., SOL below $1)?
DVTM's overcollateralization and RC Tokens ensure CNUSD's $1 peg. RWA collateral (e.g., gold, real estate) hedges against crypto volatility. Redemption remains available, and new DecenBanks with stable collateral can be deployed. RC Tokens' 40% fee share mitigates losses.
How does CNBM manage RWA collateral risks, such as illiquidity or legal disputes?
PD Assembly sets strict RWA eligibility criteria (e.g., high liquidity, verified ownership). Partnerships with regulated platforms (e.g., Paxos) ensure compliance. Audited oracles and on-chain transparency minimize risks, with quarterly reports on cnbm.io.
How are transaction costs and cross-chain coordination managed for CNUSD ?
CNBM tailors competitive fee structures per blockchain via PD Assembly consensus. Standardized DecenBank contracts, including RWA integration, ensure cross-chain consistency.
How does FBank prevent oracle data manipulation or errors for FX rates and RWA valuations?
FBank uses Chainlink with multiple data sources, audited contracts, and CNC DAO oversight. RWA valuations are cross-verified by redundant oracles, ensuring transparency.
How does CNBM ensure RC Token liquidity in secondary markets?
RC Debt offers interest-free loans against RC Tokens, including RWA-based RC Tokens. Yield farming and liquidity pools incentivize trading, ensuring robust liquidity.
How does the 70% PD, 30% RC revenue distribution prevent wealth concentration?
PD Tokens are freely tradable, ensuring equitable access. The 40% RC share, including RWA-based RC Tokens, balances incentives, encouraging broad participation.
How does the PD Assembly avoid decision-making delays without formal authority?
The PD Assembly leverages consensus-driven discussions, including RWA criteria, enabling voluntary adoption of solutions to prevent paralysis.
Why is CNUSD minting exclusive to PD holders, and does this align with decentralization?
PD Token exclusivity simplifies minting, with open-market access ensuring inclusivity. Redemption, including for RWA-backed CNUSD , is open to all, aligning with decentralization goals.
How does CNBM prevent CNC DAO governance concentration?
Open-market PD Token availability allows broad CNC DAO participation, including RWA governance. PD holders' vested interests ensure responsible governance.
How does CNBM promote CNCurrency adoption in real-world commerce?
CNBM provides open infrastructure for developers to build payment gateways, leveraging CNUSD's diversified backing for trust in merchant solutions.
How does CNBM address regulatory risks for CNUSD , CNCurrencies, and RWA collateral?
CNBM's decentralized design minimizes exposure. RWA partnerships with regulated platforms and PD Assembly-driven solutions ensure compliance across jurisdictions.
- CNBM (Crypto-Native Base Money): A project building a decentralized financial ecosystem with CNUSD as a base currency, backed by crypto and RWAs, starting with the PD Assembly.
- AutoLoop : Automated tool for PD holders to reinvest CNUSD minting profits.
- CNC DAO : Governance body for FBank , restricted to PD holders.
- CNCurrency: Tokenized regional currencies (e.g., CNEUR, CNAED) backed by CNUSD .
- CNUSD : Stablecoin pegged to the U.S. Dollar, backed by on-chain crypto assets and RWAs.
- CSRS (CNCurrency Staking Rewards System): Staking system for CNCurrency holders to earn liquidity pool APR.
- Currency Market Layer: Decentralized exchange layer for CNBM assets and global cryptocurrencies.
- DecenBank : Smart contract for issuing CNUSD and RC Tokens via DVTM .
- DecenBank Ver.X: Alternative DecenBank using trusted tokens and RWAs as collateral.
- Dual Value Tokenization Model (DVTM ): Mechanism splitting assets (crypto or RWA) into CNUSD and RC Tokens.
- FBank (Forex Bank): Smart contract layer for issuing CNCurrencies, governed by CNC DAO .
- Loan-to-Value (LTV) Ratio: Ratio determining loan amounts against RC Token collateral.
- Overcollateralization: Excess collateral to ensure CNUSD stability.
- PD Assembly: Governance body formed by PD Token holders, driving ecosystem decisions, including RWA integration.
- PD Token (Primary Dealer
Token): Ownership token granting minting rights, fee shares, and governance (detailed in a separate whitepaper). - RC Debt: Interest-free loans backed by RC Tokens, with LTV set by PD Assembly.
- RC Token (Residual Claim Token): Volatile token capturing remaining asset value (crypto or RWA).
- RWA (Real-World Asset): Tokenized assets like stocks, gold, or real estate used as CNUSD collateral from Q2 2026.
CNBM: Redefining DeFi with a Crypto-Native Monetary System
The CNBM project, spearheaded by Team 49, pioneers a decentralized finance (DeFi) infrastructure anchored by CNUSD , a U.S. Dollar-pegged stablecoin backed by on-chain crypto assets. Leveraging the innovative Dual Value Tokenization Model (DVTM ), CNBM splits volatile assets into stable CNUSD and volatile RC tokens, ensuring transparency, stability, and independence from fiat systems. This model positions CNUSD as a reliable base currency for DeFi, while RC tokens offer users exposure to asset price dynamics.
The CNBM ecosystem integrates:
- DecenBank : Issues CNUSD and RC tokens with transparent, overcollateralized minting.
- FBank : Enables tokenized regional CNCurrencies, enhancing localized DeFi applications.
- Currency Market Layer: Facilitates seamless trading of CNBM assets.
- PD Token Governance: Empowers community-driven decision-making via PD Assembly and CNC DAO .
With a 2024–2026 roadmap, CNBM targets PD Token sales, DecenBank deployment on Ethereum, BNB Chain, and Solana, and full decentralization by Q3 2026. Outpacing competitors like USDT, USDC, and DAI, CNUSD offers on-chain transparency, zero asset-freezing risks, and lower fees, while avoiding DAI's liquidation vulnerabilities. By driving interoperability and strategic DeFi partnerships, CNBM aims to lead the global adoption of a trustless, scalable monetary system.
Revolutionizing DeFi with CNUSD
- CNUSD : A U.S. Dollar-pegged stablecoin backed by on-chain assets
- Goal: Deliver a transparent, stable, fiat-independent monetary system
- Empowering developers, investors, and DeFi users worldwide
Transparency, Stability, Independence
The Core Innovation: DVTM
Splits volatile assets (e.g., Bitcoin, Ethereum) into:
- CNUSD : Stable token valued at $1
- RC Token: Volatile token capturing remaining value
Ensures collateral security and user control via smart contracts
Example: 1 BTC ($30,000) → 1 CNUSD ($1) + 1 RCBTC ($29,999)
A Robust DeFi Infrastructure
- DecenBank : Issues CNUSD and RC tokens with overcollateralized minting
- FBank : Issues regional CNCurrencies (e.g., CNEUR, CNAED)
- Currency Market Layer: Enables trading of CNBM assets
- PD Token Governance: Community-driven via PD Assembly and CNC DAO
Community-Driven
CNBM's Path to Decentralization
- 2024: Conceptual and technical framework completed
- Q2 2025: PD Token sales on Ethereum, BNB Chain, Solana
- Q4 2025: DecenBank deployment and CNUSD minting
- Q1 2026: FBank and CNC DAO launch
- Q3 2026: Full decentralization via PD Assembly
Leading the DeFi Revolution
- Growing DeFi market: $100B+ in total value locked (2025 projection)
- CNUSD adoption: Targeting exchanges, lending, and cross-chain applications
- CNCurrency usage: Enabling localized DeFi and global commerce
- Strategic partnerships to drive ecosystem growth
Join the CNBM Ecosystem
- For Investors: Participate in PD Token sales (Q2 2025)
- For Developers: Build DApps using CNUSD and CNCurrencies
- For Users: Engage with a transparent, scalable DeFi system
Our Journey
Design Phase
Complete framework
Public Launch
PD Token sale
MVP Testing
Test components
Initial Deployment
Launch CNUSD
Expansion
Launch FBank
RWA Framework Design
Develop RWA collateral integration
Decentralized Governance
Transfer control to PD Assembly
Global Adoption
Scale CNUSD as Base Money