The neobank forthe tokenized economy.
Turn real-world and digital assets into usable financial power. Hold, spend, send cheques, and manage your wealth—all from one account.
Nothing to install. Your keys never leave this device.
$CHEQ3 has graduated.
The CHEQ3 token launched on PONS, sold through its launch curve, and now trades freely on Uniswap v4 on Robinhood Chain. Its supply was fixed at a billion on day one.
- Launched on PONS24 Sept 2026
- Launch curve filledat 4.2 ETH
- Graduatedto Uniswap v4
Worth knowing first. You never need $CHEQ3 to use CHEQ3: accounts, drafts and credit all run on USDG. Holding it is no claim on the ledger, where every balance is backed by USDG one for one. It trades freely, so its price moves and it can fall to nothing. Nothing here is advice to buy it; read the risks first.
Spend without selling
Borrow against tokenised stocks, bitcoin, gold or treasuries and spend the dollars. You keep the position and whatever it does next.
Your balance is wired to earn
Money sitting in your account is supplied to the lending market on its own — nothing to stake, nothing to claim, no lock-up. It earns only what borrowers pay, so it earns nothing while nobody is borrowing.
Budgets that enforce themselves
Give a contractor, a team or a piece of software a spending limit. It cannot be exceeded, and you take back whatever is left.
How it works
Three steps, and the last one is the only one anybody else ever sees.
Put something up
Supply stocks, bitcoin, gold or treasuries as collateral — or just move in USDG you already hold.
Draw a balance
Borrow against it and the dollars land in your account, supplied to the lending market from the moment they arrive. That market pays nothing until someone borrows.
Spend it
Write a draft to anyone, or hand out a budget with rules attached. Sending costs you no gas.
Money in, money out
Everything here is denominated in USDG. Every private balance is backed one-for-one by tokens sitting in the pool contract, which anyone can check.
Borrow against a deposit
Supply collateral to the lending market and draw USDG straight into a private balance. The public trail stops at the adapter.
Or deposit what you hold
Hand USDG to the pool and get the same amount privately. Nothing is borrowed and nothing is owed.
- Token
- —
- Deposit limit
- —
Cash out in fixed sizes
Money leaves the pool only in set amounts, so what comes out cannot be matched to what went in.
Your statements are nobody else's business
A public chain normally means your salary, your suppliers and your margins are readable by competitors. Here the ledger proves every draft was valid without recording a single thing about it.
Anyone can read this
Everything the chain records about a draft.
- That a valid draft cleared
- A commitment, which is a one-way hash
- A nullifier, so nothing is spent twice
- A block of encrypted bytes
Nobody can, not even us
Reconstructed on your device, never sent anywhere.
- Who wrote the draft
- Who was paid
- How much it was for
- The rules attached to it
- Your balance, now and ever
Roadmap
Phase one runs today. What follows is ordered by how much more useful it makes the account to keep money in — not by what is quickest to build.
Getting paid
The plumbing that turns a wallet into something a person can send money to.
- A name to be paid at, not an address
- Ask for money with a link
- Standing drafts, so rent writes itself
- Statements an accountant will accept
Open your account
Connecting takes one signature. It costs nothing, moves nothing, and your keys never leave this device.
Experimental software holding real money. Read the risks before you put anything in.