Customer instruction
A verified business authorizes its community bank to send funds.
A proposed national settlement network
One honest dollar.
Every community bank.
A single, fully reserved payment stablecoin designed to let America’s community banks move money together—24 hours a day—without surrendering their customer relationships.
01
Honesty is a system control.Every proposed coin is matched by eligible reserves before minting, with visible liabilities, redemptions and exceptions.
1 USD1 CUSDproposed peg
HeartlandTX
PrairieKS
Main StreetOH
Community TrustGA
Illustrative member network
Target network3,400community banks
Proposed backing≥ 100%eligible reserves
Availability24 / 7shared settlement
ArchitectureOne coincommon liquidity
The operating model
One liability.
One reserve standard.
Thousands of local relationships.
Participating banks keep the customer relationship. A regulated issuer manages minting, burning and reserves. CapchaCloud supplies the shared authorization, evidence and transparency layer.
Dollars confirmed
The issuer verifies eligible reserve funds before any token exists.
Tokens minted
Dual control creates exactly the amount supported by reserves.
Settlement final
The recipient bank receives one shared, interoperable digital dollar.
Burn before release
Tokens are destroyed before dollars leave the reserve structure.
Interactive proposal
Operate the network.
Live simulationNo real funds or tokens
Control eventSimulation ready. All controls are operating normally.
Minimum policy: 100.00%
Member balancesIllustrative pilot banks
4 activeHE
Heartland Community BankTexas · Controls current
$8MPR
Prairie National BankKansas · Controls current
$6.5MMA
Main Street Bank & TrustOhio · Controls current
$5.5MCO
Community Trust BankGeorgia · Controls current
$5MReserve compositionEligible assets only
Illustrative100.50%coverage
Cash at custodian banks28%
Short-term U.S. Treasury bills72%
Control ledgerRecent network activity
EventReferenceAmountStatus
T
Heartland → PrairieCommercial treasury settlement · 08:42:18 CT
CBN-8F2A-91C4$250,000FinalR
Community Trust BankTokens burned; fiat return confirmed · 08:38:04 CT
CBN-4D7B-20A1$100,000ReconciledM
Main Street Bank & TrustReserve deposit verified before issuance · 08:31:47 CT
CBN-2E9C-77F5$1,000,000AttestedThe Community Dollar Truth Charter
Trust, made inspectable.
Not “trust us.” Verify the reserves, liabilities, controls and exceptions yourself.
Backed before minting
No token exists until matching eligible reserve funds are confirmed.
No hidden leverage
No algorithmic backing, crypto collateral, undisclosed lending or reserve reuse.
Liabilities in public view
Supply, reserve composition, backing ratio and reports are published on a defined cadence.
Redemption without theater
Clear procedures, timing and fees—with tokens burned before dollars are released.
Independent verification
External accounting review, executive certification and examiner-ready records.
Plain-language truth
Never described as Federal Reserve-backed, legal tender or FDIC-insured when it is not.
Public transparency specimenIllustrative data · updated in this session
Outstanding$25,000,000
Eligible reserves$25,125,000
Coverage100.50%
Exceptions0
Designed for bank ownership
Infrastructure for the banks that still know their customers.
The proposal separates governance, regulated issuance and technology so no software company can quietly control the money.
Community bank consortium
Participation rules, member economics, pricing and voting rights governed by the network.
Member governanceRegulated issuer
Minting, burning, reserves, liquidity, redemption and regulatory accountability.
Money and supervisionCapchaCloud trust layer
Signed APIs, identity, authorization evidence, policy orchestration and examiner-ready records.
Technology and evidenceStructural honesty
The issuer controls money. Banks control customer relationships. CapchaCloud proves what happened. Each role is visible, bounded and auditable.
Founding network
Start with one bankers’ bank.
Prove it with five community banks.
Build the regulated path, operating rules and closed-loop commercial pilot before national expansion.
01Issuer sponsorBankers’ bank and regulator engagement
02Design partnersFive community banks and ten commercial customers
03Controlled pilotMint, settle, redeem and reconcile
04National networkShared access without fragmented coins