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LICENSE DOCUMENTATION TERMS

  • AiON

  • Agentic Intelligence On

  • ALM

  • Asset Liability Management

  • ATM

  • At-the-Market

  • AVE

  • Available Value Enhancement

  • BM

  • Base Money

  • BMU

  • Base Money Unit

  • CaaS

  • Currency as a Service

  • CAGM

  • Compound Annual Growth Multiplier​​

  • CAGR

  • Compound Annual Growth Rate​​

  • CD

  • Certificate of Deposit

  • CE

  • Credit Enhancement

  • CeBM

  • Central Bank Money

  • CFMM

  • Constant Function Market Maker

  • CN

  • Convertible Note

  • CP

  • Conversion Premium

  • CPC

  • Collateral Pool Constant

  • CR

  • Country Risk

  • CRN

  • Convertible Reserve Note

  • CSP

  • Credit Service Provider

  • CUC

  • Collateral Uplift Constant

  • CTX

  • Continuum Tokenization

  • CUR

  • Collateral Uplift Rating

  • DABL

  • Digital Asset Banking License

  • DDA

  • Domain Dependent Asset

  • DeFi

  • Decentralized Finance

  • DeFIN

  • Decentralized Financial Infrastructure Network

  • DePIN 

  • Decentralized Physical Infrastructure Network

  • DLT

  • Distributed Ledger Technology

  • DSA

  • Domain Specific Asset

  • DSC

  • Domain Specific Concept

  • DSO

  • Diluted Shares Outstanding

  • DvP

  • Delivery v Payment

  • DW

  • Digital Wallet

  • DX

  • Decentralized Exchange

  • ECN

  • Enhanced Capital Note

  • EDM

  • Encoder Decoder Modelling

  • EL

  • Equity Line

  • EM

  • Econometric Modelling

  • EPC

  • Equity Pool Constant

  • EPS

  • Earnings Per Share

  • ETF

  • Exchange Traded Fund

  • ETH

  • Ethereumn

  • ETN

  • Exchange Traded Note

  • ETX

  • Exchange Traded Index

  • FL

  • Funding Line

  • FTS

  • Fixed Total Supply

  • FX

  • Foreign Exchange

  • FY

  • Funding Yield

  • GCU

  • Global Currency Unit

  • GDR

  • Global Drawing Right

  • Gen AI

  • Generative Artificial Intelligence

  • GL-1

  • Global Layer One Protocol

 

  • GOMO

  • Global Open Market Operations

  • GPM

  • Global Payment Method

  • GS

  • Global Series​​

  • GTM

  • Go to Market

  • GY

  • Global Yield

  • HFT

  • High Frequency Trading\

  • HQLA

  • High Quality Liquid Assets

  • HTM

  • Hold to Maturity

  • IC

  • Intelligent Contract

  • ICR

  • Issuer Credit Rating

  • IFSCs

  • Intelligent Financial Service Contracts​​​​

  • IM

  • Intelligent Mortgage

  • IO

  • Interest Only​​​​

  • IQSM

  • Intelligent Quantitative System Management

  • IRR

  • Internal Rate of Return

  • IY

  • Investment Yield

  • JRL

  • Jurisdictional Rating Level

  • LA

  • Language Agnostic

  • LCM

  • Large Concept Model

  • LCM 

  • Lower of Cost or Market

  • LCR

  • Liquidity Coverage Ratio

  • LPC

  • Liquidity Pool Constant

  • LPM

  • Local Payment Method

  • LPV

  • Loan to Property Value

  • LRV

  • Loan to Reserve Value

  • LY

  • Local Yield

  • MA

  • Modality Agnostic

  • MAS

  • Monetary Authority of Singapore

  • MB

  • Monetary Base

  • MiCA

  • Markets in Crypto Assets

  • MLO

  • Mortgage Loan Originator (US)

  • MLS

  • Multiple Listing Service (US)

  • MM

  • Money Multiplier

  • MoE

  • Medium of Exchange

  • MVR

  • Market Value Risk

  • NDI

  • Net Disposable Income

  • NSFR

  • Net Stable Funding Ratio

  • OC

  • Over Collateralised

  • OOD

  • Object Oriented Design

  • P2P

  • Peer to Peer

  • P&I

  • Principal and Interest Loan

  • PAiD

  • Personalised Ai Domain

​​

  • PCN

  • Perpetual Convertible Note

  • PE

  • Price Earnings Ratio

  • PFM

  • Pre-Funded Mortgage

  • PO

  • Principal Only

  • POC

  • Proof-of-Conversion

  • POL

  • Proof-of-Liabilities

  • POR

  • Proof-of-Reserves

  • PPC

  • Pre Paid Coupon

  • PPP

  • Pre Paid Principal

  • PR

  • Passthrough Ratio

  • PVM

  • Price Validation Model

  • QF

  • Quantitative Finance

  • QS

  • Quantitative Securities

  • QS

  • Quantitative Securities

  • QX

  • Quantitative Exchange

  • RA

  • Rating Action

  • RBA​​​

  • Reserve Bank of Australia

  • ReFin​​​

  • Regenerative Finance

  • ROA

  • Return on Assets

  • ROE

  • Return on Equity

  • ROTA

  • Return on Tangible Assets

  • ROTE

  • Return on Tangible Equity

  • RR

  • Reserve Ratio

  • RRL

  • Reference Rating Level

  • RW

  • Risk Weighting

  • RWA

  • Real World Assets

  • RX

  • Reserve Index

  • SE

  • Self Enforcing

  • SI

  • Systemic Importance

  • SK

  • Sukuk

  • SKR

  • Sukuk Reserve

  • SoS

  • System of Systems

  • SoV

  • Store of Value

  • SPAR

  • Special Purpose Acquisition Rights

  • SPV

  • Special Purpose Vehicle

  • SS

  • Spread Shock

  • SSiD

  • Self-Sovereign ID

  • SSM

  • Shared Security Model

  • STX

  • Stablecoin Index

  • SU's

  • Semantic Units

  • SVF

  • Stored Value Facility

  • SVD

  • Stored Value Deposit

  • SWF

  • Sovereign Wealth Fund

  • T-1

  • Tier-1 Capital

  • TC

  • Trust Certificate

  • TD

  • Tokenized Deposit

  • TE

  • Targeted Enhancement

  • TR

  • Treasury Reserve

  • TradFi

  • Traditional Finance

  • TRX

  • Total Return Index

  • TX

  • Treasury Index

  • TVL

  • Total Value Locked

  • UCIS

  • Underlying Collateral Index System

  • UDiD

  • Universal Digital Identity

  • UoA

  • Unit of Account

  • UUiD

  • Unique Universal Identity

  • VASP

  • Virtual Asset Service Provider

  • VM

  • Virtual Machine

  • VX

  • Value Exchange

  • W2W

  • Wallet to Wallet

  • WALM

  • Weighted Average Loss Measure

  • XDR

  • Indexed Drawing Right

  • YC

  • Yield Curve

  • YE

  • Yield Equivalence

  • ZC

  • Zero Coupon

  • ZCC

  • Zero Coupon Convertible

  • Zeroes

  • Zero Coupon Instruments

  • ZP

  • Zero Principal

  • ZPN

  • Zero Principle Netting

General Business Model Terms

Agentic Accounts:

Unlike traditional AI models agentic AI represents a potent new AI paradigm - that goes beyond traditional AI - by incorporating a patent pending continuum value chain capability, that breaks down complex tasks into - simple - software defined steps and autonomously creates a forward looking series of personalised and client-directed, reserve account rights of use and services.

Agentic Intelligence:

The application of agentic intelligence, in financial services - is game-changing - and industry transformative. Agentic reserve based systems, continuously, analyse local and global reserve line data and provide dynamic real-time forecasting - adopting client and ecosystem market changes and needs - in real-time.

By autonomously monitoring transactions and detecting errors  dynamic agentic systems predict and prevent - both client and ecosystem risk better than traditional methods by re-assessing and re-collateralising local risk levels continuously in real-time.

In asset management, they automate & manage collateralised reserve supply constants and reserve holdings - matching and executing exchanges based on real-time analysis and defined refinancing strategies. By continuously monitoring both - client and whole of ecosystem reserve operations in real-time, it can lock-down compliance with financial regulations, automatically.

Assetization:

 

Asset tokenization is a software defined process, that transforms ownership and title chaining rights to any asset into an intelligent and immutably trusted digital token on a value chain. It powers a paradigm shift, in how new - "bankable" - assets can be created, secured, invested and exchanged - far beyond the capabilities of all traditional local banking, money and financial service systems.

 

The development of this technology, shines a light on a new era of intelligent finance - that will revolutionise, asset management. 

The democratization of asset ownership - on a truly open market basis for all - is the most compelling aspect of asset tokenization.

Anchor currency:

An important measure for an international currency is as a unit of account - and an important measure on this dimension, is its use as an “anchor currency” against which other countries attempt to limit their exchange rate movements.  As an anchor currency the USD accounts for more than 50 per cent of world gross domestic product (GDP), while the share of world GDP that is anchored to the euro, is roughly 5 percent - (not counting the euro area itself).

At the Market:

An ATM offering is a follow-on offering of securities used to raise capital over a period of time. Shares are issued into open trading markets through a designated selling agent, at prevailing market prices. The advantage is that there is minimal market impact and capital can be raised quickly - by selling newly issued shares into the trading flow of open markets without having to re-market the offering via costly "roadshows". Securities are thus able to trickle into open markets without significant impact on the market price.

 

Issuers can match and schedule issuance, to meet their ongoing needs, under intelligent token determined pricing and sales limit rulesets. This strategy can be particularly beneficial in relation to forward-sale options - allowing the issuer to sell securities, at the current open trading price, without actually issuing any securities to satisfy the forward commitment, until a future settlement date. 

Base Money Units: 

Global fixed total supply BMUs compound MoM - in unit value by a fixed and certain minimum local funding control multiplier YoY - backed by loan regulated and synchronised repayments.

Composability:

 

A property describing software, in which library components can be reassembled into larger, more complex service compositions. Because components can be remixed and reused, a component need only be developed - once. IFSC intelligent financial service contracts underwrite - exponential - growth similar to compound interest, in general finance, and Moore’s law for semiconductors.

Constant Function Market Maker:

Constant function market makers (CFMM) are a paradigm in the design of traditional asset/liquidity pool intermediated exchange trading protocols (ETP).  A trading function and a set of rulesets determine how liquidity takers (LTs) and liquidity providers (LPs)

interact, and how markets are equilibrium balanced and cleared.

Continuum:

A financial continuum is a math-proofed & regulated - network of networks that is made up of - form factored - mapping paths that serve to autonomously - create and secure, a new math-proofed & regulated range of values in perpetuity, enabling the system to treat, systemically fluid properties and values - as point functions.

Decentralization:

 

When a network is community-owned and operated as opposed to being controlled by - central - gatekeepers and intermediaries.

 

DeFi:

 

Short for “decentralised finance” a category of blockchain-based financial applications, and financial market infrastructure - that is designed to replace "trad" financial intermediaries, with software. 

Disruptive vs sustaining technology:

 

A theory that distinguishes, between the technology that creates entirely new markets or significantly reshapes existing ones - so much so that it eventually displaces incumbents (disruptive) and technology - that improves the performance of existing products along dimensions - people already know, and value (sustaining). 

Econometric Modelling:

Contextual econometric modelling leverages agentic intelligence and traditional statistical methods to analyse economic data and re-align dynamic tracking index models to interpret and automate industry domain-specific economic rights and regulate predictive trends and rights of use - based on newly harmonised constants.

Global Currency Units: 

Global currency units are BMU:GCU 10/100 (10 line) - reserve line bonded and synchronised to single BMU funding lines and activate 1:1 as BMUs are released - in each new funding cycle.

Global currency units (GCUs) function as stable interoperable local and global treasury reserve tools, and are a simple multi-line reserve representation of localised base money functions.

Howey Test:

 

A three-pronged legal assessment for deciding what constitutes an “investment contract”, otherwise known as a security. Based on the 1946 U.S. Supreme Court case - the Howey test looks at whether an offer or sale of assets involves; (1) an investment of money (2) within a common enterprise and (3) with a reasonable expectation of profit to be derived - from the efforts of others. All three characteristics must be met for the offer to be considered a security. In addition to Howey, "Reves" may be used to examine and test clarify whether a note is classified - as a security or not.

Interoperability:

By injecting interoperability into digital interactions, open market protocols can help to unravel the advantages that big-tech - and conventional financial service institutions have established, over recent decades - and force them to compete on an equal footing.

Network effects:

 

An economic phenomenon where the value of a network grows with the addition of each new client. The internet accrues power through network effects. Metcalfe’s law and Reed’s law are two popular mathematical formulations of the "network effects" idea.

Real Estate Derivatives:

Real estate "derivatives" - are sometimes referred to as property derivatives and are financial instruments that - allow investors to gain an exposure to the real estate asset class without having to actually own buildings. They replace the real property asset with the performance of a - real estate - total return index. In this way investors invest in real estate equity or debt without ever buying an actual real estate asset or using real estate as loan collateral.

Regenerative Finance (ReFin);

Regenerative finance is a new approach to finance that seeks to regenerate natural and social systems - rather than extract finite  value from them. Refin systems conform to sustainable practices and foster positive global impact, automating and supporting the regeneration of ecosystems, communities & the global economy.

 

Stablecoins:

 

Digital assets, purported to maintain, a true "stable" price usually "pegged" to single currency reserve assets - like the US dollar or regulated algorithmically - by automated market-making services.

 

State transition:

 

The essence of computation. A state transition, is what happens when a machine modifies its internal state or memory, according to the logic of a processor. Blockchains are virtual machines that undergo state transitions - according to a regulatory mechanism.

Sukuk:

A sukuk is an Islamic financial certificate that is similar to a bond in Western finance and which complies with Islamic religious law commonly known as Shariah.  It represents a share or portion of ownership in a portfolio of eligible existing or future assets to be financed. Islamic law prohibits the use of "riba" or what we know as "interest" in the West.

 

Traditional Western debt instruments cannot be used - as viable investment vehicles or ways - to raise capital. To circumvent this sukuk were created in order to link the returns and cash flows of debt financing to a specific - identifiable - asset being purchased effectively distributing the benefits of that asset. Sukuk represent aggregate and undivided shares of ownership in a tangible asset as it relates to a specific project or investment activity. Hence an investor in a sukuk - does not own a debt obligation owed by the bond issuer but instead owns a piece of the asset that's linked to the investment.  This means sukuk owners - unlike bond holders receive a portion of earnings, generated by the associated asset.

 

Tokenomics:

 

Short for “token economics” -  an emergent field, concerning the design of incentive systems for virtual economies particularly as in blockchain networks. Efficient systems balance market supply and demand such as faucets and sinks - to maintain equilibrium. 

Tier-1 Capital:

 

Tier-1 rated capital represents the core equity assets of a fund, a bank or financial institution and is largely composed of disclosed reserves also known as retained earnings, and common stock. A 100% Tier-1 fund is the - only - form of a true full reserve system.

Total Return Index:

A total return index is an index that measures - the overall return of a defined basket of investment bonded units by assuming that all forms of unit distributable returns are reinvested in addition to tracking the price movements of the underlying units and all new unit bonded asset lines created, within a single investment cycle.

Verifiable Computation:

Verifiable computing is a ZKVM based methodology for trustless outsourced computation a - non-interactive - proofing protocol to ensure that  programs run correctly. 

ZPN:

Zero principle netting, is a term that describes the netting out - of two units of value - in the same form factor dimension, when one is positive and the other is negative such that they exactly cancel each other out in net carried value terms - in process equilibrium.

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LAST UPDATE 22 March 2025

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