Tokenisation method and cryptocurrency as digital financial asset with defined value

Abstract

The disclosed invention comprises a tokenisation method in which a computer-based system implements consistent tokenisation on a decentralized blockchain network. The blockchain consists of multiple independent nodes that ensure hacker-resistant operation and maintenance. Users can create wallets to store programmable payment tokens, which are securely tradable in real-time between users and their devices via the blockchain. The currently valid countervalue of each programmable payment token is automatically calculated through technical means, based on: (i) a gold value component tied to a fixed quantity of physical gold, (ii) a dynamic, inflation-adjusted M Unit derived from official monetary data sources including M2, CPI, and optionally Stablecoin-Adjusted M2 (M2S), and (iii) an optional reserve or cash component representing a defined percentage of the combined value of (i) and (ii).

Description

[0001] Tokenisation method and crvotocurrencv as digital financial asset with defined value

[0002] TECHNICAL FIELD

[0003] The present invention describes a tokenisation method, in which a computer-based system implements consistent tokenisation in a decentralized blockchain network, wherein the blockchain comprises a multiplicity of separate nodes for hacker-proof operation and maintenance of the blockchain, wherein users can create wallets in which generated programmable payment token can be stored in, while the programmable payment token are hacker-proof online tradable in real-time between users respectively their digital devices and their wallets via the blockchain and a cryptocurrency as digital financial asset in form of a programmable payment token, created on decentralized blockchain technology with a multiplicity of nodes for secure and tamper-proof operation and recorded in a blockchain ledger.

[0004] STATE OF THE ART

[0005] Historically, inflation referred to an increase in the money supply (M2), which is the total amount of money (cash, coins, and balances in bank accounts) in circulation. Today, however, it is more commonly understood as an increase in prices, as measured by the consumer price index (CPI), which tracks the average change over time in the prices paid by urban consumers for a market basket of goods and services. This shift in definition allows the government to operate with less scrutiny. Additionally, reliance on the US dollar due to its status as the global medium of exchange for purchasing petroleum enables the US to export inflation globally, reducing internal inflation. This "petrodollar recycling" spreads inflation across the global economy. To address inflation effectively, we must focus on its root causes rather than just its symptoms.

[0006] Contrary to popular belief, this dramatic expansion is not driven directly by the federal reserve. Instead, it results from the combined actions of government borrowing, which injects money into the economy, commercial bank lending, which multiplies that money through the credit creation process, and federal reserve interest rate policy, which influences borrowing and lending conditions. Prior to 2020, banks operated under a fractional reserve system, requiring them to hold a percentage of deposits as reserves. However, since march 2020, the fed has allowed the reserve requirement to be effectively eliminated, enabling banks to create money more freely through lending, without holding reserves. This change has significantly amplified the money supply, facilitating further expansion through government fiscal activity and banks' lending practices.

[0007] Inflation cannot be eliminated by controlling M2. The money supply M2 is an economic indicator that measures the total amount of money in an economy. It comprises the money supply Ml, which consists of cash (banknotes and coins) and sight deposits (credit balances on current accounts).

[0008] Inflation cannot be eliminated in a fiat system; it is inherently inflationary by nature. The money supply, measured by M2, is a key economic indicator used by the federal reserve. It reflects the total amount of money in an economy, created through government borrowing, which injects money into the economy, and commercial bank lending, which multiplies that money through the credit creation process. M2 includes Ml, which consists of cash (banknotes and coins) and sight deposits (credit balances in current accounts).

[0009] M2 also includes savings deposits and short-term time deposits with a term of up to two years. These deposits are not as liquid as cash or demand deposits but can be converted into cash relatively quickly. M2 is often used to more accurately reflect the supply of money in an economy, as it covers a wider range of money than Ml. Central banks such as the European Central Bank (ECB) or the US Federal Reserve (Fed) use M2 to steer monetary policy. An increase in the M2 money supply can indicate an expansionary monetary policy aimed at promoting economic growth. Conversely, a reduction in M2 could indicate a restrictive monetary policy aimed at combating inflation. The M2 money supply is therefore an important indicator of the economic health and future inflation of an economy. It is regularly monitored in order to make decisions on how to manage the economy.

[0010] The allure of the Consumer Price Index (CPI) not only masks price inflation but also disguises monetary inflation. According to Bureau of Labor Statistics (BLS) data, the average annual inflation rate in the United States from 1959 to 2024 is approximately 3.28%. The monthly compounded rate over this period is approximately 0.2706%, suggesting relatively moderate inflation. However, this view changes when examining the trajectory of the M2 Money Supply over the same period. As documented by Federal Reserve Economic Data (FRED), the M2 Money Supply surged from $286.6 billion on January 1, 1959, to $21,054 trillion in August 2024, representing a compound annual growth rate (CAGR) of approximately 7%.

[0011] To further understand the magnitude of this monetary expansion, consider the performance of the S&P 500. During the same period, the S&P 500 price rose from $55.62 to $5625.80. The compound annual growth rate (CAGR) of the S&P 500 during this period is approximately 7.36% per year.

[0012] The problem is basically fiat money. Most modern currencies, such as the euro or the US dollar, are fiat money, a form of money that has no intrinsic value and is not backed by physical goods such as gold or silver. Its value is based on the trust and acceptance of the people who use it as a medium of exchange. It is issued by governments and designated by law as an official means of payment. Fiat money can be printed in unlimited quantities, which can potentially lead to inflation if there is too much money in circulation. One advantage of fiat money is the flexibility it gives governments and central banks in managing the economy. Unlike commodity money, which is based on scarce resources, fiat money allows for a faster response to economic changes. It relies heavily on stability and trust in the issuing government. Without this trust, fiat money could quickly lose value. Despite these risks, fiat money has established itself as the standard form of money worldwide.

[0013] The disparity highlights the need to address monetary inflation beyond traditional CPI measures, further justifying the creation of digital financial assets, which began with the creation of Bitcoin in 2009 and the use of blockchain technology.

[0014] Various tokens or coins have already been introduced, which are generated and maintained using various technologies that require technical means. The main argument is the stable value stability, the non-hackability and the financial security of the value of the coins.

[0015] There is no fixed formula or number of comprehensible valuation components for determining the value of well-known cryptocurrencies such as Bitcoin, as these cryptocurrencies are influenced by many dynamic and often unpredictable factors such as demand, monetary policy, interest rates and regulations.

[0016] Stablecoins such as USDT (Tether) or USDC (USD Coin), which link the value of the token to a specific fiat currency in order to ensure price stability, are well known. However, this does not provide a hedge against inflation. Investors need to be convinced that the value of the stablecoin created and the stablecoin-system behind it are reliable so that private individuals and companies will invest accordingly.

[0017] DESCRIPTION OF THE INVENTION

[0018] The object of the present invention is to create a stable and innovative digital financial asset in the form of a programmable payment token. This asset, along with its tokenisation method, aims to solve the problem of dollar inflation and preserve purchasing power. This is achieved through a valuation formula embedded in the token, which dynamically adjusts the token's value without being pegged to any specific fiat currency.

[0019] The adjustment is reached through the digital financial asset, based on blockchain technology, while the value is defined by combining gold, cash and dynamic adjustments tied to the M2 money supply with technical means assigned to the digital financial asset fully automatically.

[0020] Details of the ecosystem of digital financial asset and details of the resulting programmable payment token online traded via a blockchain as result of the system, can be obtained by reference to the following detailed description.

[0021] DESCRIPTION

[0022] The system of digital financial asset based on blockchain technology and the resulting programmable payment token, called eM token, introduces a groundbreaking approach to digital assets by a financial support on at least two counterparts: i) integrating gold's intrinsic value, ii) a dynamic inflation-adjusted token (M unit), with optional M2S — Stablecoin-Adjusted M2 and iii) as optional third counterpart: a cash reserve, as a percentage of (i) and (ii), where the combined value is updated monthly through automated technical means within a single programmable payment token.

[0023] The programmable payment token / eM token is a type of digital asset that is stored in a decentralized blockchain and can be used to represent different types of value. This innovative digital economic system with resulting tradeable eM token that is based on a multi-part countervalue from the real world, offers a new solution to the problem of inflation. The M Unit part ii) increases by the same percentage to offset the loss in purchasing power

[0024] The ecosystem

[0025] The used decentralized blockchain respectively smart contract architecture behind the programmable payment token / eM token allows automatic management of the relationship between components i), ii) and iii). It dynamically adjusts their contributions to maintain the programmable payment token's overall value and stability. The programmable payment token / eM token is of course a digital financial asset, while the data is stored in wallets connected or connectable with the decentralized blockchain behind its ecosystem. The value of the eM token is financially supported on three counterparts i), ii), iii) or composed of three key components as described above. This structure ensures that the eM token maintains stability by reflecting both the intrinsic value of gold and the responsive adjustments of the M unit to economic conditions.

[0026] The programmable payment token countervalue part i), which integrates gold's intrinsic value is tied to a specific quantity of physical gold, specifically 1 centigram per programmable payment token. This connection to physical gold provides intrinsic value to the eM token, offering a stable asset that serves as a hedge against inflation and market volatility.

[0027] The gold component i) represents a specific, fully allocated quantity of physical gold, stored in regulated vaults with insurance coverage. Each issuance of eM triggers a corresponding gold purchase, ensuring that the physical reserve is always precisely matched to the total number of eM tokens in circulation. Gold holdings are independently audited and reported publicly at regular intervals.

[0028] A key technical advancement is the automatic monthly adjustment of the M unit as counterpart ii), based on M2 money supply data sourced directly through an API connection to FRED (Federal Reserve Economic Data) and / or Consumer Price Index (CPI) data from the Bureau of Labor Statistics (BLS).

[0029] The dynamic inflation-adjusted M unit as counterpart ii) is a new monetary unit representing the real value of the USD. M units serve as a dynamic index, tied to the movement of the M2 money supply. By adjusting monthly based on M2 changes, the M unit stabilizes purchasing power and accounts for monetary inflation, playing a crucial role in the stability of the proposed eM inflation-proof token programmable payment token.

[0030] This ensures that the programmable payment token adapts to changing economic conditions in real-time, protecting users from currency devaluation due to inflation. By offering a stable, (dollar) inflationresistant asset and a solution for hedging, the programmable payment token has the potential to shield hundreds of millions of individuals globally from the harmful effects of fiat inflation, addressing specific monetary challenges with a non-obvious, technically innovative solution that goes beyond traditional financial strategies. This proposed idea explores the relationship between the M2 money supply and the declining purchasing power of the US dollar. Recognizing that inflation is a result of monetary policy decisions guided by statistical analysis, the solution lies in creating statistical tools that address these challenges.

[0031] Monetary inflation, primarily driven by the expansion of the money supply (M2), reduces the purchasing power of the US dollar. As the money supply increases, each dollar loses value, leading to higher prices for goods and services. The dynamic inflation-adjusted M unit part within the programmable payment token / eM token system counteracts this effect by recalibrating its value in response to changes in the money supply, thus maintaining the token's real value and providing a stable store of wealth.

[0032] The programmable payment token / eM token is a composite digital asset designed to preserve and stabilize purchasing power against monetary inflation. This innovative system combines the intrinsic value of gold, the adaptive nature of the dynamic inflation-adjusted M unit part, and a liquid cash reserve. The dynamic inflation-adjusted M unit part dynamically adjusts its value based on real-time data from the M2 money supply, ensuring that the eM token remains responsive to changing economic conditions. This comprehensive approach leverages smart contract architectures and dynamic economic models to create an inflation-resistant token, designed for both stability and flexibility. By integrating these elements, the eM token offers a robust solution for preserving wealth in an evolving financial landscape. After each monthly update of the dynamic inflation-adjusted M unit part and it's cash component values remain fixed for the entire month, providing stability. The dynamic inflation-adjusted M unit part operates exclusively within the eM token ecosystem and is not available for individual purchase.

[0033] At the time of inception, the dynamic inflation-adjusted M unit part will be tied to the value of 1 centigram of gold. Initially, 1 M unit will be valued at 1 USD. For example, if 1 centigram of gold is priced at $0.77 on the launch day, this would correspond to 0.77 M units, or 77 cents in M units. After the launch, the value of M units will dynamically adjust based on changes in the M2 money supply, using the initial rate of 1 centigram of gold as the reference point.

[0034] The M unit part ii) employs a smart contract-based adjustment mechanism that recalibrates its value monthly using official data from FRED and the BLS. This ensures accurate reflection of changes in the M2 money supply or, when necessary, shifts to the CPI to maintain purchasing power. While the M2 money supply serves as the primary metric for the M unit part's ii) value adjustments, there are instances when the Federal Reserve contracts the M2 to manage economic conditions. During such periods, inflationary pressures may still persist, which are captured by the Consumer Price Index (CPI). To ensure the M unit part ii) continues to preserve purchasing power, the mechanism will temporarily shift to use CPI data as the guiding metric. This dual approach allows the M unit part ii) to remain a reliable store of value, accurately reflecting real inflationary impacts, even when the M2 alone does not fully capture the changes in the economy.

[0035] The M unit part ii) can comprise a Stablecoin-Adjusted M2 = M2S part. The Stablecoin-Adjusted M2 (M2S) is a monetary aggregate that expands upon traditional M2 by incorporating the total circulating supply of fiat backed stablecoins. Each stablecoin in circulation represents a duplicated monetary claim — one by the token holder and another retained by the issuer through reinvested reserves.

[0036] M2S is calculated by adding the outstanding supply of USD pegged stablecoins (such as USDC, USDT) to the official M2 figure published by the Federal Reserve. This captures off balance sheet monetary expansion induced by stablecoin issuance, providing a more accurate measure of real-world dollar liquidity.

[0037] M2S is used as an optional input to the M Unit, valuation component ii), particularly when the impact of synthetic dollar creation via stablecoins is materially inflationary.

[0038] Wherein M2S integrates the total circulating supply of private stablecoins — including but not limited to USDC, USDT, PYUSD, and similar regulated or unregulated dollar-pegged instruments — together with bank-issued stablecoins or deposit tokens, such as tokenized commercial bank deposits or deposit-backed instruments, and other reserve-linked digital monetary instruments that create additional claims on the same underlying fiat reserves, wherein the method captures monetary expansion arising from duplicated claims on the same underlying fiat reserves, such that one base dollar may simultaneously support:

[0039] • a deposit recorded within traditional M2, and

[0040] • a fully spendable tokenized claim circulating outside of M2, wherein said M2S calculation is updated at regular intervals — monthly, weekly, or in real time — based on data availability and issuer-defined update protocols, such that the programmable payment token's countervalue reflects both:

[0041] • official M2 money supply growth, and

[0042] • additional purchasing power generated by private stablecoins, bank- issued stablecoins / deposit tokens, and other reserve-linked digital instruments, thereby ensuring that the programmable payment token's valuation preserves real purchasing power by accounting for all effective dollar claims, whether recorded in M2 or not.

[0043] M Unit part Mechanism

[0044] The M unit part ii) is designed to prese / e the purchasing power of the eM token by linking its value to the movement of the M2 money supply. When the M2 money supply increases, the purchasing power of the US dollar decreases, leading to a corresponding increase in the purchasing power of the M unit part ii). For example, If the money supply expands by 0.3% in a month, this corresponds to a 0.3% adjustment factor, so the M Unit in relation to the dollar rises exactly 0.3% to cancel out that loss. The M unit part's ii) value is updated monthly based on M2 Money Supply data, and this value remains fixed until the next update. The M Unit part ii) adjusts for changes in the U.S. money supply, capturing both traditional M2 growth and stablecoin-induced monetary expansion M2S. It calculates a monthly adjustment factor using official M2 data and, optionally, Stablecoin-Adjusted M2 (M2S), which adds the supply of USD- backed stablecoins to better reflect total liquidity. In periods of monetary contraction, the M Unit temporarily shifts to a CPI reference as a fallback, ensuring purchasing power is preserved even in rare deflationary scenarios.

[0045] The M Unit is a digitally native monetary unit designed to preserve purchasing power by dynamically adjusting in response to monetary inflation. It is not determined by market forces but calculated through a transparent, formula-based system.

[0046] Data Inputs: (i) M2: official U.S. money supply (FRED); (ii) M2S (optional) : Stablecoin Adjusted M2 adding USD backed stablecoins to M2 to account for synthetic dilution; (iii) CPI : Consumer Price Index, used as fallback in periods of monetary contraction. Update Logic: Recalculated monthly (or at issuer defined intervals) based on latest confirmed data. If M2 and / or M2S decline, CPI serves as fallback to maintain continuity. If all metrics contract, the M Unit decreases accordingly.

[0047] Anchoring: Inception value = 1 centigram of gold. Any monthly increase in selected metrics is permanently embedded (irreversible monetary expansion tracking).

[0048] Optionality of M2S: M2S integration may be omitted or suspended based on regulatory, technical, or operational considerations. Issuer defined rules determine whether and how M2S is applied.

[0049] Purpose: By optionally integrating M2S, the M Unit accounts for both visible inflation (from fiat expansion) and hidden inflation (from stablecoin induced monetary distortion), ensuring accurate preservation of real purchasing power.

[0050] The optional cash reserve part iii) represents a defined percentage of the gold's intrinsic value part i) and the dynamic inflation-adjusted M unit part ii), of at least 1% up to maximum of 50%, in particular 10% of the combined value of the gold token part i) and M unit part ii). This portion is recalculated monthly based on the combined value of gold and M units. The value of the gold portion and the overall eM token adjusts continuously based on market conditions. Additionally, the cash reserve tied to the gold portion also adjusts continuously. In contrast, the M unit value and its associated cash reserve are recalculated monthly to reflect changes in the money supply. The primary function of the cash reserve part is to provide liquidity and additional stability to the eM token system, ensuring there is always a buffer to absorb fluctuations in value, thereby reducing volatility and providing a stable foundation for transactions.

[0051] Pricing & Adjustment Frequency

[0052] The value of the eM token is composed of up to three components: (i) 1 centigram of gold, (ii) the dynamic inflation-adjusted M Unit, and (iii) an optional cash or reserve component representing a defined percentage of the combined value of (i) and (ii). The gold portion adjusts in real time with market prices. The cash component tied to the gold portion is updated in real time as well. The M Unit is updated monthly based on official monetary data, and the cash portion corresponding to the M Unit follows the same monthly update cycle. While secondary market trading may cause the token's price to fluctuate, the underlying valuation model remains transparent and rules-based, anchoring the token to real-world economic indicators and supporting long-term purchasing power. All adjustments rely on publicly available data from official sources. eM Token Denomination and Liquidity Framework

[0053] The eM token is denominated into 100 Orbits, with each Orbit equivalent to one one-hundredth (1 / 100) of 1 eM. Each Orbit is further divided into 100 Bits, making 1 eM equal to 10,000 Bits. This structure allows for precise pricing and microtransactions. eM tokens will be issued on demand and supported by professional market makers to ensure efficient secondary market activity from day one. As the system grows, authorized participants (APs)— such as financial institutions and liquidity providers— may also take part in issuance, further deepening liquidity. To ensure continuous accessibility, tokens will be available through the official platform (eM-Token.com), regulated exchanges, and compliant automated market-making (AMM) systems. This hybrid model combines institutional-grade depth with 24 / 7 access and seamless user experience, eliminating reliance on legacy banking hours and enabling global reach without compromising regulatory integrity. eM Currency Code: The currency code for the eM token is eM. It will appear in benchmark pairs such as USD / eM, representing the value of the U.S. dollar relative to the eM token.

[0054] HYBRID MODEL: TECHNOLOGY AND INTEGRATION

[0055] To bridge traditional finance and decentralized finance (DeFi), the company offers two wallet options: personal and central. Technology Architecture

[0056] The eM token is developed as an Ethereum-based ER.C-20 token, launching on a high-throughput Ethereum Layer 2 network to ensure scalability, low fees, and institutional-grade security. This architecture preserves compatibility with Ethereum's broad ecosystem of wallets, exchanges, and compliance tools, while supporting scalable transaction flows. Rather than building a proprietary chain, eM leverages proven infrastructure for trust and interoperability. As adoption grows, eM will expand to additional high-throughput blockchains based on market opportunities, starting with leading EVM-compatible networks. Each blockchain operates independently, while eM's internal ledger maintains synchronized balances and unified pricing across environments. This ensures secure, bridge-free interoperability governed by eM's internal ledger.

[0057] At the core of the platform is an internal master ledger that synchronizes all user balances, blockchain interactions, and pricing logic, ensuring seamless operation across centralized and decentralized environments. In some embodiments, an internal master ledger maintains synchronized balances across multiple supported blockchains, settling only essential events on-chain while optimizing operational efficiency and security.

[0058] By combining the familiar design and usability of traditional finance with the transparency of blockchain, eM delivers a seamless and intuitive user experience that is accessible to a wider audience. To support mass adoption, the platform uses a hybrid wallet model offering two options: the eM Central Account for a streamlined, custodial experience, and external wallet integration for users seeking full control and flexibility.

[0059] External Wallet Integration (Personal)

[0060] At launch, eM will support Ethereum mainnet (Layer 1) external wallets for users who prefer self-custody. This ensures maximum compatibility with existing institutional infrastructure, custodians, and liquidity providers. Users retain full ownership and control over their holdings. Compatible with leading wallets such as MetaMask and Ledger. Support for additional Ethereum Layer 2 networks and other blockchain environments will be introduced as adoption grows. KYC verification is required at the time of token purchase to ensure full regulatory compliance. eM Central Account

[0061] The eM Central Account is built for users who prefer a banking-like experience, offering centralized facilitation, enhanced security, and full regulatory compliance. The platform streamlines buying, selling, payments, and transfers, removing the need for personal wallet management or technical knowledge. To support users, eM will deploy an advanced Al-powered customer support agent trained on the platform's architecture and real user scenarios. The agent will be connected to live account data and designed to resolve issues quickly, with human experts one click away. For added peace of mind, users may also purchase third-party insurance to protect their holdings against unforeseen risks. The transactions of each user that take place in the network are publicly visible and are secured by cryptographic methods in a blockchain ledger, which enables a tamper-proof and unalterable record of all transactions. Users can select the wallet that best aligns with their privacy and security preferences.

[0062] Payment and transaction infrastructure

[0063] The eM Central Account enables fast, secure payments via a high-throughput Ethereum Layer 2 network, offering low fees and faster settlement than traditional card systems. To enable seamless real-world spending from day one, eM will integrate with licensed card-issuing platforms such as Stripe, Marqeta, or Solaris. These partners allow eM to offer branded Visa or Mastercard-linked cards, both virtual and physical, without requiring direct relationships with the payment networks. Users will be able to spend eM anywhere major cards are accepted, including through Apple Pay and Google Pay.

[0064] This approach accelerates market entry, maintains regulatory compliance, and leverages the fraud protection and operational resilience of established card infrastructure. As adoption grows, eM may pursue direct partnerships with card networks to unlock lower fees, deeper integration, and expanded functionality.

[0065] Privacy Feature: eM Central Account

[0066] The supply of eM is not capped, as its value does not rely on artificial scarcity. Issuance is demand-driven : each new token is created only when a client places an order, triggering the purchase of gold from the market and the sale of the M Unit component by the issuer. This creates a natural value floor through physical gold and establishes a selfregulating mechanism, where supply growth is tied directly to real demand and backed by both tangible and digital value. An optional privacy layer allows users to conceal wallet addresses on-chain while remaining fully transparent to operators and regulators. All users are KYC / AML-verified, and though transactions aren't public, they remain traceable, offering privacy comparable to traditional banking with full compliance.

[0067] In some embodiments, the programmable payment token may also be issued natively across multiple supported blockchains in parallel, while maintaining unified pricing and synchronized balances through the internal master ledger.

[0068] To facilitate fast and cost-effective transactions, eM tokens could be issued on both the XRP Ledger and the Stellar blockchain.

[0069] The XRP Ledger (XRPL) is a decentralized, public blockchain specifically designed for fast and efficient payment processing. It was launched in 2012 by Ripple Labs, a fintech company, and is based on a consensus algorithm that enables fast and cost-effective transactions. The XRP Ledger supports the native cryptocurrency XRP, which acts as a bridge currency between various fiat currencies and digital assets.

[0070] The programmable payment token should follow the ERC-20 standard on Ethereum-compatible chains, while using native token formats on networks like the XRP Ledger and Stellar, ensuring equivalent value and seamless cross-chain interoperability.

[0071] Similarly, on the Stellar blockchain, programmable payment token / eM tokens will be issued as Stellar tokens, benefiting from Stellar's efficient, low-cost transaction capabilities. The Stellar network is is a decentralized, open platform, known for its quick settlement times and minimal transaction fees, making it ideal for both cross-border payments and everyday transactions. EXAMPLE: From January 2020 to August 2024

[0072] This example combines the effects of both the M2 money supply and the Consumer Price Index (CPI) to reflect a more comprehensive adjustment in the M unit's part ii) value. This approach ensures that the M unit part ii) accurately captures the full impact of both monetary policy and inflationary pressures on purchasing power.

[0073] The M2 Money Supply increased from $15.38 trillion to $21,054 trillion, marking a 36.87% increase. However, between April 2022 and October 2023, the Federal Reserve implemented significant monetary tightening, resulting in a 4.75% reduction in the M2 Money Supply. During this time, the M unit automatically shifted to follow the Consumer Price Index (CPI), which cumulatively increased by 115.4%, reflecting a combined 151.64% adjustment. Over this period, 1 M unit significantly appreciated against the USD. In January 2020, the exchange rate was 1 M unit = $1, while by August 2024, it had shifted to 1 M unit = $2,499.

[0074] During this same period, the price of 1 gram of gold increased from $60.93 to $80, an increase of 31.31%.

[0075] Based on the eM allocation model :

[0076] 1 eM is tied to 1 centigram of gold, with an equivalent value in M units that dynamically adjusts based on the movement in the M2 money supply, and 10% of the combined value of gold and M units held in cash.

[0077] In 2020, the value was composed of:

[0078] • GOLD PORTION : $0.6093 (1 centigram of gold at $60.93 per gram)

[0079] • M UNIT PORTION : $0.6093 (equivalent value to 1 centigram of gold)

[0080] • CASH PORTION : $0.12186 (10% of $1.2186, which is the combined value of the gold and M unit portions) Total Value: $1.3404

[0081] In 2024, the value increased to:

[0082] • GOLD PORTION : $0.80 (1 centigram of gold at $80 per gram, increased by 31.31%)

[0083] • M UNIT PORTION : $1.5229 ($0.6093 * 2.499, adjusted for a 151.64% increase in combined M2 and CPI, reflecting the appreciated value initially equivalent to 1 centigram of gold)

[0084] • CASH PORTION : $0.2323 (10% of $0.80 + $1.5229 = $0.2323)

[0085] • Total Value: $2.5552 ($0.80 + $1.5229 + $0.2323 = $2.5552)

[0086] Therefore, the value of 1 eM increased from $1.3404 in 2020 to $2.5552 in 2024. This represents an increase of 90.63%.

[0087] Although the invention herein has been described with reference to particular embodiments, it is to be understood that these embodiments are merely illustrative of the principles and applications of the present invention. It will be apparent to those skilled in the art that various modifications and variations can be made without departing from the spirit and scope of the invention.

[0088] GLOBAL ADAPTABILITY

[0089] The tokenization method is designed to support issuance of programmable payment tokens in multiple fiat-based monetary systems, provided reliable monetary data is available. While the eM token was initially designed using U.S. monetary data, its embedded inflation adjustment component, the M Unit, can be recalibrated using local monetary aggregates and inflation indices from other jurisdictions. In each case, the eM token continues to combine a defined gold-based component with the localized M Unit, preserving purchasing power protection across currencies without altering the underlying valuation logic. REGULATORY COMPLIANCE

[0090] The system architecture incorporates configurable compliance protocols designed to interface with various regulatory frameworks. The technical implementation includes modular KYC / AML verification processes and jurisdiction-specific classification parameters that can be adapted to different regulatory requirements. The system's compliance architecture is embedded at the protocol level, enabling flexible deployment across multiple jurisdictions while maintaining operational consistency.

Claims

PATENT CLAIMS1. Tokenisation method, in which a computer-based system implements consistent tokenisation in a decentralized blockchain network, wherein the blockchain comprises a multiplicity of separate nodes for hacker-proof operation and maintenance of the blockchain, wherein users can create wallets in which generated programmable payment tokens can be stored in, while the programmable payment tokens are hacker-proof online tradable in real-time between users respectively their digital devices and their wallets via the blockchain, characterized in that the currently valid countervalue of the created programmable payment tokens is defined by the following formula respectively of two valuation components: i) integrating gold's intrinsic value part, tied to a specific quantity of physical gold, ii) a dynamic inflation-adjusted M unit part, based on M2 money supply data via direct API connection to official monetary data sources, including M2 from FRED (Federal Reserve Economic Data) and / or Consumer Price Index (CPI) data from the Bureau of Labor Statistics (BLS), wherein the absolute value of the programmable payment token is a combination of both components i) and ii), which is by technical means fully automatically assigned to the programmable payment tokens in the blockchain network and updated monthly in accordance with each individual updated counter value i) and ii).

2. Tokenisation method according to claim 1, wherein the currently valid countervalue of the created programmable payment tokens is defined by an additional third valuation component: iii) a cash reserve part, representing an additional store of value such as acash reserve or other asset class, with flexibility for issuer- defined expansion, representing a defined percentage of the gold's intrinsic value part i) and the dynamic inflation-adjusted M unit part ii), of at least 1% up to maximum of 50%, wherein the absolute value of the programmable payment token is a combination of all three components i), ii) and iii), which is by technical means fully automatically assigned to the programmable payment tokens in the blockchain network and updated monthly in accordance with each individual updated counter value i) to iii).

3. Tokenisation method according to claim 1 or 2, wherein the M Unit part ii) of the created programmable payment token is adapted to any fiat-based monetary system having reliable monetary data inputs, by substituting equivalent monetary supply and inflation measures from the relevant jurisdiction, each such implementation applying the same programmable valuation logic, wherein the programmable payment token comprising both components i) and ii) includes a defined goldbased component per token.

4. Tokenisation method according to claim 3, wherein the M Unit part ii) reflects the real value of for example the U.S. dollar by adjusting proportionally to reflect monetary expansion; if the money supply expands by 0.3%, the dollar loses 0.3% of its purchasing power, so the M Unit rises exactly 0.3% to cancel out that loss.

5. Tokenisation method according to one of the preceding claims, wherein valuation component ii) comprises an additional Stablecoin-Adjusted M2 (M2S), wherein M2S integrates the total circulating supply of private stablecoins, including most preferred but not limited USDC, USDT, PYUSD and similarregulated or unregulated dollar-pegged instruments, together with bank issued stablecoins or deposit tokens, such as tokenized commercial bank deposits or deposit-backed instruments, and other reserve-linked digital monetary instruments that create additional claims on the same underlying fiat reserves.

6. Tokenisation method according to one of the preceding claims, wherein valuation component i) is tied to a defined quantity of physical gold per programmable payment token, such quantity being established at issuance and serving as the anchoring reference for calculating the combined programmable payment token value with component ii) and optional iii) and wherein the gold quantity may be adjusted for new issuances in response to changes in market conditions, regulatory requirements, or issuer-defined monetary policy.

7. Tokenisation method according to claim 5, wherein valuation component ii) is based on direct API connection to official monetary data sources for M2 and the supplemented stablecoin supply data used to calculate the Stablecoin-Adjusted M2 (M2S), wherein the M Unit shifts to a Consumer Price Index (CPI) reference in periods of monetary contraction, and wherein the programmable payment token value is recalculated monthly based on these data sources.

8. Tokenisation method according to one of the claims 2 to 7, wherein the cash reserve part iii) represents 10% of the gold's intrinsic value part i) and the dynamic inflation-adjusted M unit part ii) and will be recalculated monthly based on the combined value of gold's intrinsic value part i) and dynamic inflation- adjusted M unit part ii), and wherein the cash reservecomponent (Hi) may be omitted if not required by the token issuance framework or economic conditions.

9. Tokenisation method according to one of the preceding claims, wherein the generated programmable payment token of a user is recorded in an immutable blockchain ledger and is storable in:(a) a non-custodial wallet controlled by the user, including external wallets compatible with the blockchain standard;(b) a custodial wallet provided by a regulated third-party service provider; or(c) a custodial wallet operated directly by the issuer, where permitted by applicable regulation.10.Tokenisation method according to one of the preceding claims, wherein the generated programmable payment token can be purchased and recorded on one or more public or permissioned blockchain networks, including but not limited to Ethereum- compatible chains and Layer-2 solutions such as Base, or other blockchains meeting the issuer's technical and regulatory requirements.

11. Tokenisation method according to one of the preceding claims, wherein the generated programmable payment token can be acquired through one or more compliant channels, including but not limited to:(a) a website or mobile application operated by the issuer or an authorized distributor,(b) automated market-making (AMM) protocols,(c) regulated exchanges,(d) over-the-counter (OTC) transactions, and(e) market makers providing continuous buy / sell liquidity.

12. Tokenisation method according to any of the preceding claims, wherein the dynamic inflation-adjusted M Unit part ii) comprises a proportional adjustment mechanism that calculates and applies automated computational changes to preserve purchasing power in response to monetary expansion data, wherein such adjustments reflect the rate of monetary increase and may be applied at any frequency, including monthly, weekly, daily, or real-time intervals.

13. Cryptocurrency as digital financial asset in form of a programmable payment token, created on decentralized blockchain technology with a multiplicity of nodes for secure and tamper-proof operation and recorded in a blockchain ledger, wherein the equivalent currently valid countervalue of the programmable payment token is defined by the following at least two valuation components: i) gold's intrinsic value part, tied to a specific quantity of physical gold, ii) a dynamic inflation-adjusted M unit part, based on M2 money supply data sourced by FRED (Federal Reserve Economic Data) and Consumer Price Index (CPI) data from the Bureau of Labor Statistics (BLS) wherein the absolute value of the programmable payment token is a combination of components i) and ii), which is by technical means fully automatically assigned to the programmable payment tokens in the blockchain network and updated monthly in accordance with each individual updated counter value i) to H).

14. Cryptocurrency according to claim 13, wherein valuation component ii) comprises a Stablecoin-Adjusted M2 (M2S), wherein M2S integrates the total circulating supply of privatestablecoins, including most preferred but not limited USDC, USDT, PYUSD and similar regulated or unregulated dollar- pegged instruments, together with bank issued stablecoins or deposit tokens, such as tokenized commercial bank deposits or deposit-backed instruments, and other reserve-linked digital monetary instruments that create additional claims on the same underlying fiat reserves.

15. Cryptocurrency according to one of the preceding claims 14 or15, wherein the currently valid countervalue of the created programmable payment tokens is defined by an additional third valuation component: iii) a cash reserve part, representing a defined percentage of the gold's intrinsic value part i) and the dynamic inflation-adjusted M unit part ii), of at least 1% up to maximum of 50%, wherein the absolute value of the programmable payment token is a combination of all three components i), ii) and iii), which is by technical means fully automatically assigned to the programmable payment tokens in the blockchain network and updated monthly in accordance with each individual updated counter value i) to iii).

16. Cryptocurrency according to one of the preceding claims 14 to16, wherein the token may be issued, transferred, and settled on any blockchain or distributed ledger platform that supports programmable token logic and provides low-latency confirmation with low transaction costs, including but not limited to EVM- compatible chains, Layer-2 networks, or non-EVM blockchains, enabling cross-chain operability and suitability for both cross- border and domestic transactions.