Building programmable money with intelligence
UNTITLED_
(SUSTAINABILITY)
Building Stablecoin Protocols for Treasury Management with Sustainability Top of Mind.
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.
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 Target | Dynamic basket — USD / EUR / GBP / JPY / CNY · based on IMF SDR pool recommendations |
| Oracle Architecture | Stability Oracle v9.0 — 7-tier signal pipeline + 4 cross-body channels + AI intelligence layer |
| Data Sources | 32+ (NOAA, NASA, USDA, EIA, IMF, World Bank, central bank data, 4 cross-validated FX sources, conflict monitoring + more) |
| Early Warning Lead Time | 30–90 days (Tier 0 climate signals → commodity → macro → FX → basket) |
| Verification Interval | Every 60 seconds on-chain (4 independent FX sources cross-validated) |
| Control Mechanism | PID (Proportional-Integral-Derivative) via StabilityFeeController |
| Settlement Network | Base mainnet (Ethereum L2, chainId 8453) |
| Settlement Time | Minutes vs. 3–5 days (traditional wire) |
| Fee Reduction | ~50–60% vs. SWIFT / correspondent banking · typical all-in 1.385% |
| ESG Redistribution | 100% 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
Our Substack publication covering stablecoin protocol design, ESG-weighted treasury management, and the future of programmable money.
Read on Substack →Founder
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
v9.0stability.untitledfinancial.com
ESG Oracle
Liveesg.untitledfinancial.com
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
/llms.txt
LLM navigation index — llmstxt.org standard
/llms-full.txt
Complete docs compiled for LLM context
/openapi.json
OpenAPI 3.0 schema for all endpoints
/.well-known/ai-plugin.json
Agent plugin manifest (ChatGPT / Claude)
🦙 Stability Oracle
/reliability
Live stability score — 7-tier oracle + AI intelligence
/quote
Fee quote with quoteId for settlement
/verify-fees
Verify fee breakdown pre-settlement
/quote?sandbox=true
Sandbox mode — real fee calc, mock settlement
🌿 ESG Oracle
/esg-score
Live E, S, G scores from 6 institutional sources
/esg-score?entity=
ESG score for a specific entity
🏦 Settlement
/settle
On-chain settlement — beta access required
# 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.