Protocol Stability Oracles Papers Agents Founder API Alt Asset Literacy ↗
Undertow — Winslow Homer, 1886

Building programmable money with intelligence

UNTITLED_
(SUSTAINABILITY)

Building Stablecoin Protocols for Treasury Management with Sustainability Top of Mind.

Undertow — Winslow Homer, 1886
🔗

Deployed Contracts — Base Mainnet · chainId 8453

DPX Token 0x7A62dEcF6936675480F0991A2EF4a0d6f1023891 ERC-20 · 0.01% license fee on every transfer
StabilityFeeController 0xda8aA06cDa9D06001554d948dA473EBe5282Ea17 PID-controlled stability mechanism
BasketPegManager 0xB5071fA48B92e3652701053eEd8826ab94014AaA Multi-currency basket · USD / EUR / GBP / JPY / CNY
ESGCompliance 0x7717e89bC45cBD5199b44595f6E874ac62d79786 On-chain ESG score storage and verification
ESGRedistribution 0x4F3741252847E4F07730c4CEC3018b201Ac6ce87 Impact pool · Ocean / Renewable / Forest / Climate / Water
PolicyManager 0x741f3179786d9f72e134BdC699D6604eaB250D6E Governance · basket and fee policy control

🌏 TL;DR

DPX is the first stablecoin settlement rail built for both institutional treasury teams and autonomous AI agents — with AI as core infrastructure, not a feature layer. It enables cross-border settlement with 50–60% fee savings, settling in minutes rather than days.

What sets DPX apart: AI runs inside the oracles, not on the edges. Every stability score, every ESG rating, every compliance signal is synthesised by an intelligence layer that reasons across 32+ real-world data sources — and explains its conclusions in plain language to treasury teams and risk managers.

AI-powered Stability Oracle — 7-tier causal pipeline across climate (NOAA, NASA, USDA), energy (EIA), macro (IMF, World Bank, central bank data), FX (4 cross-validated sources), geopolitical risk, and yield curves. AI synthesises 32+ signals into plain-language reasoning, a confidence score, and a 30–90 day outlook on every API response
AI-powered ESG Oracle — live E, S, and G scores from World Bank, UN, OECD, IMF, SEC, and three specialist climate providers, cross-weighted by source authority. AI synthesises scores into institutional briefings with qualitative signals — not just a number
Continuous compliance intelligence — FATF, FCA, SEC, ECB, BIS, FSB, and OFAC regulatory feeds monitored daily. An AI classifier identifies what is relevant to DPX settlement; a persistent knowledge base grows over time and surfaces open compliance gaps
7 contracts on Base mainnet (chainId 8453) — StabilityFeeController, BasketPegManager, ESGCompliance, ESGRedistribution, PolicyManager, DPX Token, SettlementRouter — non-custodial, agent-executable, no human approval required
ESG-weighted fees — higher ESG score = lower fee (0% to 0.50%); 100% of ESG fees redistributed to verified on-chain impact programs with IPFS receipts for audit
Predictable, on-chain pricing — fees enforced in the protocol, readable by any treasury system or AI agent before execution; binding quotes valid for 300 seconds

✌️ Introduction

What if programmable money could help rewrite the rules of finance for everyone?

DPX is the first stablecoin protocol that models the real world — not just crypto markets. It stabilises its peg using a seven-tier, climate-aware, macro-intelligent, AI-powered architecture that continuously monitors how global weather patterns, energy markets, commodities, inflation, FX volatility, bond yield curves, geopolitical risk, and conflict signals ripple into DPX's multi-currency basket.

Unlike traditional stablecoins that rely on a single currency or a single data source, DPX blends 32+ international data feeds, causal economic modelling, and real-time on-chain verification — then synthesises everything through an AI intelligence layer that produces plain-language reasoning, confidence scores, and forward-looking outlooks for treasury teams. 30–90 day early-warning signals. Continuously.

We are building synthetic stablecoin protocols designed for a regenerative financial future. Our protocols are built around the Triple Bottom Line: people, planet, and profit — embedding programmable compliance, ethical governance, and sustainability directly into how money moves. In real time, transparently, and at scale.

📖

New to stablecoins? Here is a clear explanation of how they function within the larger financial ecosystem.


💬 For the Uninitiated

Not from the world of crypto or finance? That's fine. Here's what this actually is and why it matters.

Money has a problem. When a company in New York pays a supplier in Tokyo, that money takes 3–5 days to arrive, passes through 4–6 banks, and loses 2–4% to fees along the way. Nobody designed it to be this slow and expensive — it just evolved that way over decades. We built a better rail.

What we built is called a stablecoin. Think of it as digital money whose value doesn't swing wildly like Bitcoin does. It's designed to hold steady — like a dollar, but programmable and borderless. Payments settle in minutes, not days, at a fraction of the cost.

What makes ours different is what keeps it stable. Most stablecoins are pegged to just the US dollar and react to problems after they happen. DPX watches the real world — weather patterns, energy prices, commodity markets, inflation signals, currency movements — and adjusts proactively, 30 to 90 days before a shock hits. Think of it like a weather forecast for money.

It also holds companies accountable. Every time money moves through DPX, a company receives an ESG score — a rating of how responsibly they operate environmentally, socially, and ethically. Companies with poor scores pay a slightly higher fee. Those fees don't disappear into a bank — they're automatically sent to environmental and social programs directly related to the harm that company causes. A fossil fuel company's fees go to ocean and renewable energy programs. A fast fashion brand's fees go to garment worker rights.

All of this happens automatically, on-chain, and can be verified by anyone. No middlemen deciding where the money goes. No waiting to find out if commitments were kept. The rules are written in code and enforced the same way every time.

🌍

At scale, even capturing a small fraction of global cross-border payments would redirect hundreds of millions of dollars annually toward climate, ocean, and human rights programs — automatically, verifiably, in real time.


🌳 White Paper

📄

Short Form Technical White Paper — ECO-COIN / DPX Protocol

Covers deployment architecture, ESG oracle framework (32+ sources, 7-tier pipeline, AI intelligence layer), stability mechanisms, fund redistribution model, legal compliance, and governance on Base mainnet.


🦙 Stability Mechanisms

The DPX protocol maintains stability through the Stability Oracle v9.0 — a climate-aware, AI-powered stablecoin monitoring system. Unlike reactive monitoring, it provides 30–90 day early warning signals through a 7-tier causal pipeline: Tier 0 climate signals (NOAA, NASA, USDA) cascade into commodity markets, then macro indicators, then currency FX rates, then on-chain basket verification, then multi-timeframe predictive synthesis, and finally a Tier 6 layer covering bond yield curves, geopolitical risk, capital flows, tech supply chain dynamics, and non-linear chaos signals.

Four cross-body transmission channels run in parallel — geopolitical risk, capital flows and monetary policy, tech and AI supply chain health, and a cross-region commodity matrix. This captures durable, structural inflation pressures that traditional oracle models miss.

Every oracle response includes an AI intelligence layer: after computing all 32+ data signals, the oracle synthesises them into plain-language institutional reasoning, a confidence score, actionable alerts, and a forward-looking outlook — giving treasury and risk teams a single coherent briefing alongside the quantitative data.

The protocol also integrates an ESG-Driven Value Flexibility Mechanism: when the peg diverges, the PID-controlled StabilityFeeController adjusts fees, while the ESGRedistribution contract routes 100% of ESG fees to five verified on-chain impact programs — ocean conservation, renewable energy, forest preservation, climate action, and clean water.

Parameter Value
Peg TargetDynamic basket — USD / EUR / GBP / JPY / CNY · based on IMF SDR pool recommendations
Oracle ArchitectureStability Oracle v9.0 — 7-tier signal pipeline + 4 cross-body channels + AI intelligence layer
Data Sources32+ (NOAA, NASA, USDA, EIA, IMF, World Bank, central bank data, 4 cross-validated FX sources, conflict monitoring + more)
Early Warning Lead Time30–90 days (Tier 0 climate signals → commodity → macro → FX → basket)
Verification IntervalEvery 60 seconds on-chain (4 independent FX sources cross-validated)
Control MechanismPID (Proportional-Integral-Derivative) via StabilityFeeController
Settlement NetworkBase mainnet (Ethereum L2, chainId 8453)
Settlement TimeMinutes vs. 3–5 days (traditional wire)
Fee Reduction~50–60% vs. SWIFT / correspondent banking · typical all-in 1.385%
ESG Redistribution100% of ESG fees → Ocean / Renewable / Forest / Climate / Water

🌿 Behavioral Economics: Client-Based Analysis for Stables

💡

TL;DR

This analysis highlights key behavioral economics challenges from a client perspective in adopting the synthetic stablecoin. Solutions focus on increasing trust through transparency, offering tangible incentives, and involving clients in co-designing ESG metrics.

DPX embeds behavioral economics directly into how money moves. ESG scores determine transaction fees on a sliding scale — rewarding high-performing actors with lower fees and applying a congestion pricing model to those whose practices cause harm. Critically, fees collected from "bad actors" are not pooled generically: they are redistributed dynamically and industry-specifically to the causes most directly affected by that actor's harm.

If a fossil fuel company transacts through DPX, redistribution flows to ocean conservation and renewable energy. If a fashion brand transacts, funds are directed toward sustainable fabric innovation and garment worker rights. This precision impact model — encoded on-chain and verified in real time — transforms every transaction into a targeted act of accountability.

The protocol also faces and anticipates several behavioral economics challenges in adoption. One of the primary risks is moral hazard, where companies flagged as "bad actors" may attempt to manipulate their ESG metrics to avoid penalties, undermining the system's integrity. To mitigate this, the platform implements third-party audits and blockchain-based transparency to ensure the accuracy and verifiability of ESG metrics.

Framing & Perception Bias

Clients may view the redistribution model as punitive rather than transformative. To counteract this, DPX is positioned as a partnership tool that helps companies align with sustainability goals, offering positive PR and regulatory compliance incentives.

Adoption Resistance

Some clients may view ESG metrics as subjective or misaligned with their industry's priorities. The platform adopts a consultative approach with industry stakeholders to co-design ESG parameters that are relevant and tailored to their specific needs.

Impact Uncertainty

Clients may question the effectiveness of redistributed funds. Impact dashboards with real-time metrics, supported by data partnerships with reputable NGOs and industry groups, demonstrate the positive changes being made.

Free-Rider Problem

Some participants might exploit the ecosystem without contributing meaningfully. Tiered incentives and penalties are introduced to reward active participation and enforce compliance, ensuring alignment and sustaining the model's integrity.

Hyperbolic Discounting

Clients focus on short-term costs rather than long-term benefits. Immediate, tangible incentives such as fee reductions, loyalty rewards, or tokenized impact credits counteract short-term biases.

Cognitive Overload

Clients may find the complexity of tracking ESG metrics and interpreting impact reports overwhelming. Simplified dashboards with clear ESG scores and easy-to-understand impact reports reduce cognitive load.

Resistance to Redistribution

Industries facing financial burdens may view the model as anti-business. Proactive engagement demonstrates how the redistribution model supports their transition toward sustainability, creating long-term value.

Trust & Credibility

If clients perceive ESG criteria as opaque or politically biased, it could erode trust. Transparent blockchain records, third-party verifications, and collaborations with respected ESG certifiers build credibility.


💫 Who We Are

Untitled_ is pioneering a new category: a climate-aware, fundamentally modeled, internationally verified stablecoin built for global institutions, cross-border payments, DeFi systems, and sovereign use cases.

We integrate a behavioral economics and gender lens approach into everything we build. Committed to market-based environmental and sustainability solutions, we bridge the experimental nature of early crypto with the reliability demanded by institutional finance. The result is a protocol that is institution-ready, future-proof, diversified, auditable, and resilient to both economic and climate-driven volatility.

DPX represents a meaningful shift from reactive to predictive financial infrastructure — a stablecoin designed around the Triple Bottom Line: people, planet, and profit.

Stable on Stables — Substack

Stable on Stables

Our Substack publication covering stablecoin protocol design, ESG-weighted treasury management, and the future of programmable money.

Read on Substack →

🫀 Founder

Victoria Lee Case

Victoria Lee Case

"This started out as an esoteric exercise in the British Museum's currency exhibit. At the time I did not know if the solution was possible until I read MIT Project Hamilton in 2022. What gets me most excited is the fund redistribution models, programmable money and the future of regenerative solutions. There is a real future where 'sustainable' can touch on a complexity of tangible, everyday solutions."

Victoria Lee Case is the founder of Untitled_ — a Fintech and DeFi creator whose work sits at the intersection of art, language, and technology. Holding a dual specialization in Alternative Investments from Harvard Business School and Modern Art and Ideas from the Museum of Modern Art. She is a graduate of Belmont University with time spent at King's College, London, and a Fellow with the OnDeck Inaugural Fintech Program.

Certifications in Sustainability and Circular Design from Kering, grounded in Cradle to Cradle methodology. Recently completed a fellowship with Climatebase, earning a scholarship with this project. 🌳 Advocating for the Environment since before she could spell.

Previous to Untitled_, Victoria is an award-winning brand creative and corporate strategist who collaborated with Amazon, MontBlanc, Theory, Uber, American Express, Airbnb, W Magazine, RSA Films, Ogilvy, and Sony — offering clients environmental, fair trade, and artisan processes before ESG was market behavior.

Victoria is also a published writer and speaker on entrepreneurship, alternative investing, and NFTs. Her NFT project is an experimentation with the relationship between art, language, and code — each token connected to a distinct stanza of a poem embedded directly into the smart contract, making verse not just represented by the blockchain, but of it.

🔗

Founder Bibliography

NCBI Bibliography (Public) →

📡 Live Oracle Status

Both oracles update every hour. All data below is pulled live from the APIs — no cache.

Stability Oracle

v9.0

stability.untitledfinancial.com

Stability Score
Peg Deviation
USD Outlook
AI Outlook
Last Update
Confidence
Loading…

ESG Oracle

Live

esg.untitledfinancial.com

ESG Score
Environmental
Social
Governance
ESG Fee
Data Sources 8 institutional
Loading…

Data refreshes on page load. Oracles update every hour. API reference →


API ENDPOINTS

All endpoints are publicly accessible. No authentication required for read operations.

https://docs.untitledfinancial.com

🤖 LLM & Agent Discovery

GET /llms.txt LLM navigation index — llmstxt.org standard
GET /llms-full.txt Complete docs compiled for LLM context
GET /openapi.json OpenAPI 3.0 schema for all endpoints
GET /.well-known/ai-plugin.json Agent plugin manifest (ChatGPT / Claude)

🦙 Stability Oracle

GET /reliability Live stability score — 7-tier oracle + AI intelligence
GET /quote Fee quote with quoteId for settlement
GET /verify-fees Verify fee breakdown pre-settlement
GET /quote?sandbox=true Sandbox mode — real fee calc, mock settlement

🌿 ESG Oracle

GET /esg-score Live E, S, G scores from 6 institutional sources
GET /esg-score?entity= ESG score for a specific entity

🏦 Settlement

POST /settle On-chain settlement — beta access required
Quick start — no auth needed bash
# Live stability score
curl "https://stability.untitledfinancial.com/reliability"

# Live ESG score
curl "https://esg.untitledfinancial.com/esg-score"

# Fee quote — sandbox mode (no wallet needed)
curl "https://stability.untitledfinancial.com/quote?amountUsd=1000000&hasFx=true&esgScore=75&sandbox=true"

# OpenAPI schema
curl "https://docs.untitledfinancial.com/openapi.json"

# LLM context file
curl "https://docs.untitledfinancial.com/llms.txt"
🫀 United Nations Charter — Preamble

WE THE PEOPLES OF THE UNITED NATIONS DETERMINED

to save succeeding generations from the scourge of war, which twice in our lifetime has brought untold sorrow to mankind, and to reaffirm faith in fundamental human rights, in the dignity and worth of the human person, in the equal rights of men and women and of nations large and small, and to establish conditions under which justice and respect for the obligations arising from treaties and other sources of international law can be maintained, and to promote social progress and better standards of life in larger freedom,

AND FOR THESE ENDS

to practice tolerance and live together in peace with one another as good neighbours, and to unite our strength to maintain international peace and security, and to ensure, by the acceptance of principles and the institution of methods, that armed force shall not be used, save in the common interest, and to employ international machinery for the promotion of the economic and social advancement of all peoples,

HAVE RESOLVED TO COMBINE OUR EFFORTS TO ACCOMPLISH THESE AIMS.