USFRANC (USF) – White Paper

What USFRANC Is and Is Not

What USFRANC Is	What USFRANC Is Not
A utility cryptocurrency built on its own hybrid blockchain (PoW + PoS).	Not a security: does not represent equity, ownership, or promise of returns.
A payment method with escrow-based protections for buyers and merchants.	Not a stablecoin: price is market-driven but capital-hedged.
Capital-backed at launch with 67% minimum investment in low-risk instruments.	Not a custodial platform or financial intermediary.
Transparent governance via validators.	Not a lending or yield product.
Non-custodial, user-controlled wallets.	Not subject to inflationary minting beyond fixed issuance.
Compliant communications with no ROI guarantees.

Blockchain Architecture

Hybrid blockchain using PoW + PoS.
PoW (from Komodo) ensures immutability and mining security.
PoS enables validator governance and protocol upgrades.
Fast transactions, 51% resistance, and community-driven evolution.

Pricing, Supply, and Hedging Model

Launch price: €2.00 with a fixed supply of 115 million USF.
100 million coins hedged with 67% in low-risk government bonds.
10M allocated to investors at a 3x return ratio.
5M reserved for founders as compensation (Brian Fin: 2M, Affin: 3M).

Reserve Policy and Buyback

67% of proceeds go to AAA-rated government bonds.
€0.40 buyback offered within 60 days of listing.
Signals fiscal responsibility and builds market trust.
Validator oversight and on-chain treasury reporting.

Utility & Use Cases

Peer-to-peer global payments without intermediaries.
Store of value with conversion to stablecoins or crypto.
Smart escrow payment system with 7-day return window.
Recipients can hold, spend, or convert USF freely.

Buyer Benefits

Assured recovery if goods aren’t delivered or are misrepresented.
Control over escrow release based on confirmed delivery.
7-day dispute/return window ensures buyer confidence.

Merchant Benefits

Gain buyer trust without relying on third parties.
Escrow confirms legitimacy of business model.
Smart contract automation simplifies transactions.

The founders will not receive any additional remuneration or crypto distributions in the first year. Treasury operations and all allocations are conducted transparently, with validator oversight via on-chain governance. USFRANC commits to fixed, capped issuance and no inflationary emissions beyond this model.