WEB3 Bank

Relying on the protocol layer of the TCASH public chain, the decentralized banking protocol of the WEB3 Bank has established a comprehensive set of WEB3 banking standards. Its aim is to build the world’s first private and anonymous WEB3 banking payment ecosystem, setting a global financial benchmark and guiding the future development of finance. By combining fiat currency bridges and utilizing advanced algorithmic technology, TCASH has achieved stable and predictable currency issuance, reducing reliance on traditional central banks and providing solutions for financial freedom and asset security.

In the blockchain and cryptocurrency space, the integration of decentralized digital assets with the traditional financial system has always been a critical goal for the industry. TCASH has made significant breakthroughs in this area by obtaining a U.S. commercial banking license and partnering with international payment giants VISA and MASTERCARD to successfully issue globally accepted physical bank cards. This initiative achieves deep integration of decentralized currency with centralized financial systems, advancing the establishment of a globally compliant token circulation system.

Compliance Operations and Regulatory Assurance

Obtaining a U.S. (Puerto Rico) Commercial Banking License

Legal and Compliant Operations: By acquiring a commercial banking license in Puerto Rico, TCASH public chain’s financial services can be legally conducted in the United States and globally. This not only meets the stringent financial regulatory requirements of the U.S. but also provides a trustworthy financial service platform for users worldwide.

International Regulatory Recognition: As a self-governing territory of the United States, Puerto Rico’s financial regulatory framework aligns with that of mainland U.S. Obtaining this license signifies that the operations of the TCASH public chain comply with international standards, strengthening trust among global users and partners.

Compliance with Global Anti-Money Laundering (AML) and Counter-Terrorism Financing (CTF) Policies

AI Anti-Fraud Engine: TCASH introduces an advanced AI anti-fraud engine that leverages deep learning technology to monitor and identify suspicious transaction activities in real-time, preventing illegal activities such as money laundering and terrorism financing.

Compliance Screening (KYC/AML): Through AI models, TCASH enforces strict Know Your Customer (KYC) and Anti-Money Laundering (AML) screening to verify user identities and ensure that all transactions comply with national laws, regulations, and international financial standards.

Innovative Integration of Centralized Banking and Decentralized Currency

Interest-Linked Exchange Rate Mechanism

Dynamic Exchange Rate Mechanism: A dynamic interest-linked exchange rate mechanism has been established between centralized commercial banks and decentralized currencies. The AI system adjusts exchange rates in real time based on global market conditions, supply and demand dynamics, and interest rate fluctuations, ensuring fairness and efficiency in transactions.

Liquidity Support: Through the funding pool of a centralized bank, ample liquidity is provided to support the exchange and trading of TCASH native tokens with various fiat currencies, meeting the diverse needs of global users.

Globally Compliant Token Circulation System

Multi-Currency Real-Time Settlement: The TCASH public chain enables a real-time settlement system for native tokens and fiat currencies in 138 countries worldwide. Users can seamlessly and efficiently convert digital assets into local currencies.

Secure and Efficient Transactions: By leveraging the transparency and immutability of blockchain, combined with AI-driven risk control, the system ensures the security and efficiency of transactions, enhancing user trust and experience.

AI-driven anti-fraud and risk control

Deep Learning Identification and Real-Time Monitoring

Real-Time Risk Monitoring: The AI anti-fraud engine leverages deep learning algorithms to analyze transaction data and user behavior in real time, identifying abnormal transactions and potential risks.

Intelligent Risk Control Strategies: Based on risk assessment results, the AI system automatically adjusts risk control strategies, implementing measures such as freezing accounts or restricting transactions as needed.

Compliance and Auditing

Automated Compliance Screening: The AI system automatically executes KYC/AML processes to ensure the legality of new users and transactions, reducing compliance costs and minimizing human error.

Transparent Auditing: All risk control and compliance operations are recorded on the blockchain, forming an immutable audit trail that facilitates inspections by regulatory authorities and internal audit teams.

Promote global financial innovation and inclusiveness

Financial Inclusion and Accessibility

Lowering Barriers to Financial Services: Through digital and decentralized technologies, TCASH provides convenient financial tools for those underserved by traditional financial services, promoting financial inclusivity.

Cross-Border Payments and Remittances: TCASH addresses the high costs and slow speeds of traditional cross-border payments, offering fast and low-cost cross-border transaction services for individuals and businesses.

Technological Empowerment and Ecosystem Development

Driving Technological Innovation: By integrating AI and blockchain technologies, TCASH develops new financial products and services to meet the evolving needs of users.

Ecosystem Collaboration and Win-Win Partnerships: TCASH collaborates with global financial institutions, tech companies, and developer communities to build an open and shared financial ecosystem.