Paladeum Network

Redefining banking-grade
payments for the real world

Next-generation payment platform built for compliant,
instant settlement across banks, stable assets, and on-chain rails.

Settlement
T+0 global rails
Compliance
KYC · AML · Proof of Reserves
Utility
Payments · Issuance · RWA
Core Loop

Issue · Move · Audit · Govern

A compliance-first network that bridges banks and blockchains with instant settlement, transparent reserves, and programmable money.

  • Asset issuance with built-in KYC/AML
  • Stablecoins and RWA flows with live attestations
  • Programmable treasury and governance controls
Abstract

Lowering the barriers of finance
for everyone

Paladeum acknowledges the volatility of crypto, the inefficiencies of legacy banking, and the regulatory gaps that stall adoption. We combine stable value, compliance, and user-first design to build a fair, transparent financial ecosystem.

Foreword

  • Hundreds of millions remain unbanked; remittances cost 6–7% and take days.
  • Crypto’s volatility and UX gaps block mainstream payments; Terra-Luna’s collapse erased ~$450B.
  • Paladeum promises stability, transparency, and access via the PLB Mainnet.

Legal Disclaimer

This content is informational only—no investment offer or regulatory advice. Participation may vary by jurisdiction; consult legal and financial counsel. No authority has approved this material.

Core Values

Equity · Transparency · Stability · User-Centricity. Everything—wallet, issuance, reserves, governance—follows these principles.

Mission

Financial inclusion for all

  • Access: Banking, remittance, savings, and insurance for anyone, anywhere.
  • Trust: Issuance, RWA tokenization, and Proof of Reserves with full transparency.
  • Usability: Low fees, fast KYC, and seamless mobile/web experiences.
Vision

Stable, practical digital assets

  • Inclusive finance reaching remote and underserved users.
  • Safe RWA tokenization—real estate, art, bonds, IP—available fractionally.
  • Mainnet-grade infrastructure interoperating with global regulations.
  • Fully transparent fees, reserves, audits, and burn policies.
About Paladeum

Built for compliant, real-world settlement

Paladeum links banking-grade rails with programmable money: issue, move, audit, and govern assets with instant, transparent controls.

Problem

High-cost, slow settlement and siloed banking rails leave billions excluded while compliance and transparency stay opaque.

Solution

PLB Mainnet combines issuance, RWA tokenization, and proof-of-reserves with embedded KYC/AML and programmable controls.

Whitepaper

The latest edition details architecture, tokenomics, governance, and regulatory posture across global corridors.

Asset Issuance

Bank-level compliance

Tokenize and transfer with embedded KYC/AML, auditability, and custody-grade controls.

Proof of Reserves

Transparent backing

Live attestations and reconciliation keep reserves and liabilities in sync across fiat and on-chain.

RWA + Stable

Programmable money

Stable instruments and RWAs flow through API, wallet, and P2P endpoints with instant settlement.

Platform Technology

Bank-grade rails with Web3 reach

PLB Mainnet powers issuance, transfer, and compliance—while wallets, bridge, P2P, and staking make it usable everywhere.

Paladeum Network

Secure, transparent payments with cryptography used by banks; seconds to finality with full on-chain fee/change records.

Wallet

Cross-platform wallet with address book, transfer history, and strong password protection.

iOS: App Store · Android: Play Store

Bridge

Cross-chain transfers and swaps across PLB and major networks, enabling DeFi/RWA interoperability.

P2P & Staking

P2P cash-to-crypto rails, staking rewards for securing the network, and fraud detection for safer flows.

Advantages

  • Low-cost, high-automation processing.
  • Ledger immutability; insiders/hackers cannot alter records.
  • Explorer-level transparency for every operation.
  • Seconds from initiation to completion.
Settlement Engine

Issue. Move. Audit. Govern.

A compliance-first loop that lets banks, merchants, and users transact instantly while preserving transparency and control.

Core Loop

“Issue · Move · Audit · Govern”

From onboarding to settlement, Paladeum keeps reserves visible, flows programmable, and policy enforceable.

01

Onboard & Verify

KYC/AML at the edge with banking-grade checks for issuers, merchants, and users.

02

Issue & Tokenize

Stable assets and RWAs minted with proof-of-reserves and programmable controls.

03

Settle Instantly

T+0 movement across wallets, P2P, APIs, and merchant endpoints with live attestations.

04

Audit & Report

Continuous reconciliation, reserve proofs, and regulatory-ready reporting.

05

Govern & Adapt

Policy, treasury, and supply parameters governed by stakeholders on-chain.

Live metrics
Settlement Speed T+0 Instant rails across wallet, API, and P2P.
Reserve Coverage Proof-backed 1:1 attested reserves for stable assets.
Compliance KYC · AML Integrated checks across every endpoint.
Access Points Wallet · P2P · API · Swap Uniform policy enforcement everywhere.
Stability

Exchange-rate oracle + dual-asset model

Designed to keep purchasing power stable while serving real-world settlement.

Oracle-driven peg

Decentralized exchange-rate oracle links value to legal tender; reconciles off-chain rates to on-chain logic.

When price drifts, supply expands/contracts algorithmically to normalize value.

Paladeum Cash

Stable asset backed by reserves (Bank of Palau) + oracle. Minimizes volatility and targets narrow band around fiat value.

Paladeum Coin

Protocol adjusts supply via staking/issuance mechanics; miners stake PLB, produce blocks, and earn while absorbing adjustments.

Economic Discipline

Transparent burn/issuance rules; long-term fixed total supply for PLB (1B) with governance-aligned incentives.

Tokenomics

Supply, distribution, and utility

PLB is designed to stay stable, auditable, and useful across issuance, settlement, and governance.

Total Supply

1,000,000,000 PLB

Fixed supply aligned with reserves and utility demand.

Standard

PLB-20

Programmable for compliance, treasury, and policy.

Utility

Payments · RWA · Issuance

Recharging, withdrawals, exchange, and settlement.

Stability

Proof of Reserves

Transparent attestations and live reconciliation.

Category Percentage Tokens Purpose
Ecosystem 50% 500,000,000 Growth, operations, and ecosystem incentives
Team 12% 120,000,000 Long-term alignment and delivery
Marketing 10% 100,000,000 Adoption, education, and campaigns
Liquidity 8% 80,000,000 Market depth and exchange support
R&D 8% 80,000,000 Protocol and product advancement
Sale 7% 70,000,000 Strategic fundraising
Advisors 3% 30,000,000 Strategic and legal counsel
Partners 2% 20,000,000 Integration and alliance incentives
Listings

Trade PLB on leading exchanges

Access liquidity on global spot markets.

Roadmap

From launch to global rails

Milestones from foundation to PLB Mainnet 2.0 and beyond.

Phase 1 · 2022

Core tech and infrastructure completed; testnet, explorer, iOS wallet, and documentation delivered.

  • PLB token economy design (1B supply)
  • Web wallet + app store listings
  • Testnet operation and mainnet explorer

Phase 2 · 2023

Global market entry, listings, and P2P/DeFi expansion.

  • MEXC listing; CoinGecko/CMC listings
  • CBDC testbed proposal (Zanzibar)
  • P2P USDT exchange model prototyped

Phase 3 · 2024

Commercial P2P launch and Japanese market alignment.

  • JCBA approval; global PR
  • P2P service launch (p2p.paladeum.io)
  • Security monitoring (FDS) and mainnet TPS disclosure

Phase 4 · 2025

PalaBank integration, full KYC, and TradFi linkage—current focus (Q4 2025).

  • Global KYC/2FA, refund logic hardening, security ops (FDS)
  • CeDeFi model pilots with global IB; card/payment network expansion
  • Bulk transfer, treasury controls, technical whitepaper refresh

Phase 5 · 2026

PalaBank super-app: payments, cards, wealth products, and global PG integrations.

  • Pala-Pay merchant API; global check card (VISA/Mastercard)
  • Structured finance and hybrid bond/crypto products; fractional US/JP stocks
  • Social-Fi, copy trading, MyData pilot; emerging-market PG integrations

Phase 6 · 2027

PLB Mainnet 2.0: rollups, Turbo-PoS, interoperability, and grants.

  • Rollup/L2 whitepaper; Turbo-PoS testnet with 10x TPS
  • Universal Bridge; $50M ecosystem fund for DApps
  • Mainnet 2.0 migration; free security audit toolkit

Phase 7 · 2028

AI-native contracts, gasless UX, biometric wallets, and global RWA/STO exchange.

  • Autonomous/AI-generated contracts; natural-language coding
  • Gasless Paymaster UX; biometric wallets without seed phrases
  • Global RWA/STO exchange; Vision 2030 and DAO transition
People & Partners

Operators, advisors, and allies

Leaders, counsel, and partners delivering Paladeum globally.

Team

Roy Cho
Roy Cho

CEO of Paladeum

Naoki Takayama
Naoki Takayama

CFO of Paladeum

Sukyun Lee
Sukyun Lee

CRO of Middle East, Paladeum

Zain Ansari
Zain Ansari

Marketing Director of Middle East, Paladeum

Taeyang Kim
Taeyang Kim

CRO of Middle East, Paladeum

Advisors

Jinwoo An
Jinwoo An

Legal Advisor of Paladeum

Founder and CEO of Legalgroup D.A.O

Abdulmajeed Al Jomaih
Abdulmajeed Al Jomaih

Board member of Central Gold Market Fund

Advisory for Xpence the MENA first neoBank

Partners