What is Decentral Bank?

Cryptocurrencies are more similar to digital commodities than currencies. Digital assets such as Bitcoin have a fixed supply and no monetary policy. Thus, their prices are determined by market demand. As a result, these assets are volatile, speculative commodities, not stable cash. Decentral Bank is the first permissionless, global network to issue a cryptocurrency which behaves like real cash.


Money is a stable unit of account used to conduct economic transactions. Decentral Bank uses a hybrid of both algorithmic and collateralized approaches to issue a stable currency token. By using modern banking practices in a decentralized, transparent, and open network, Decentral Bank issues a cryptocurrency that behaves identically to modern money.


Tokens printed by the network with variable supply. The tokens are private, stable cryptographic notes intended to be used as true cash. Their price is pegged to $1/coin.

Fractional Reserve

Decentral Shares (DBS): Holding DBS tokens gives rights to transaction fees in the network. DBS holders also vote and govern the fractional reserve, interest rates of the bonds, and how to distribute newly printed currency during times of expansion.


Decentral Bonds (DBB): Bond tokens are digital debt instruments that function akin to treasury bills. Each bond token has a maturity date, face value, and interest rate which pays out in currency tokens. The bond interest rate can be increased by the protocol to make bonds more valuable.

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