World's First Interest-Free Bitcoin Bank
"Time as an economic resource"
The current financial landscape, both traditional and decentralized, is fraught with issues that limit access and usability.
Traditional banking fees and opaque interest models exclude billions of potential users worldwide.
Existing DeFi platforms suffer from high complexity, poor user experience, and fragmented, disconnected products.
Most DeFi tokens lack tangible, real-world utility, making their value purely speculative and highly volatile.
We offer a simplified gateway to DeFi yields through a novel time-based model that eliminates interest.
A platform access fee gives users exclusive rights to acquire high-yield, zero-interest Chronon Bonds.
This removes the friction of traditional interest and complex fee structures, creating direct value for users.
Simplified user journey: Pay Access Fee → Stake χ Tokens → Earn Bond Yields → Redeem
Our platform converts discrete units of attention or work into on-chain Chronon (χ) tokens, creating a tamper-proof ledger of time-value.
Every time-value transaction is recorded in a decentralized, timestamped journal. Each entry includes:
To mint Chronon for work, users initiate a session, submit proof of work, and have it validated by multiple AI agents. Upon consensus, 1 χ is minted and a "Session NFT" is issued, anchoring the event on-chain.
Users manage their Chronons across distinct accounts—Active Time, Reflective Reserve, and Structured Investment. Moving tokens between accounts creates ledger entries, capturing the flow of time-value.
Beyond raw counts, each transaction is tagged with a Time-Density metric. High-density moments (like deep-work sessions) carry greater weight, enabling nuanced analytics on how "rich" or "thin" each block of time was.
Our unique model positions us to capture significant value in several high-growth segments.
The global DeFi market is projected to exceed $200 Billion by 2025.
Initial Target: Onboard Islamic financial institutions with our interest-free model, alongside crypto-savvy millennials & SMEs.
Long-Term Vision: Serve emerging markets and unbanked segments (1.7 Billion people) through future tiered-access models.
Our product suite is designed for security, utility, and a seamless user experience.
The native utility token used as the primary medium of exchange and as collateral for securing bonds.
Six classes of non-fungible bonds with fixed-term yields, representing time-locked value.
A seamless user experience through our core web dashboard and mobile-first gateway.
Leverage your time-capital to acquire real-world assets through interest-free, fixed-markup financing.
Acquire property and other high-value assets by pledging Chronons (χ) as collateral. Repay over a defined χ-year term without any floating interest, perfectly aligning with Shariah-compliant principles.
Instead of interest, a one-time, up-front agreed markup (e.g., 5%) is added to the principal. This ensures borrowers know the total cost from day one, with no surprises from rate fluctuations.
Managed by our `MortgageVault.sol` contract, which handles principal, collateral, and repayments. Oracles ensure collateral adequacy, and DAO governance sets markup caps and loan-to-value ratios.
Our business model is designed for long-term growth and platform stability.
Platform Access Fee: A daily fee ($30/day) for bond allocation rights, ensuring predictable revenue.
Secondary Market Fees: A 0.5% fee on all peer-to-peer Chronon Bond transfers and sales.
Managed Liquidity Yield: Yield generated from protocol-managed liquidity pools on decentralized exchanges.
Our primary name-competitor, Chrono.tech, operates in a completely different sector, leaving us with a clear field.
Sector: DeFi Banking & Asset Generation
Core Product: Interest-free, time-based bonds for wealth creation.
Value Prop: "Use time as an economic resource to generate wealth."
Sector: HR & Recruitment
Core Product: Freelancer marketplace and HR tools.
Value Prop: "Connect with jobs and get paid for your work time."
Our team brings deep expertise in finance, blockchain technology, and business development.
Founder & CEO
Experienced blockchain strategist and visionary.
BizDev
Drives strategic partnerships and market expansion.
Backend Development
Architects and maintains our secure, scalable infrastructure.
To complete platform development, conduct final security audits, and launch our go-to-market strategy.
40% — Smart-contract Audits & Security
30% — Product Development & Platform Scaling
20% — Marketing & User Acquisition
10% — Regulatory & Compliance
Target Close Date: July 10, 2025