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Risk Disclosure
A Decentralized Global Remittance System with USXM &
The Pecu Novus Blockchain Network
The foundation of a truly inclusive global remittance system lies in the adoption of Internet-native principles, openness, decentralization, permissionless innovation, rather than traditional financial institution models based on control, exclusivity, and centralized settlement.
USXM stablecoins, built on the Pecu Novus blockchain network, represent a modern, scalable solution for real-time global remittances without dependence on legacy banks or payment processors.
Pegged 1:1 to the pricing of the U.S. dollar and backed by transparent PECU Coin Reserves & other accumulated assets over time, USXM enables instant, low-cost, borderless transactions for individuals and businesses alike.
Key Advantages
Unlike traditional systems controlled by financial gatekeepers, this network empowers a developer-driven ecosystem, where contributors around the world can build:
Merchant remittance interfaces
User-owned mobile wallets
Cross-border payroll tools
Smart contracts for instant settlement
Key advantages include:
Zero reliance on intermediaries: Users transact peer-to-peer across the Pecu Novus blockchain.
Resilience and transparency: Every transaction is auditable, secure, and governed by consensus, not policy.
Open architecture: Wallets, APIs, and apps can be built by anyone with a Pecu API access key, expanding access to the underserved.
Scalability: Pecu Novus supports high-throughput processing and microtransaction viability.
Ultimately, by shifting control from centralized institutions to a community-powered, decentralized protocol, the USXM and Pecu Novus ecosystem is redefining remittances, making them cheaper, faster, fairer, and truly borderless.
Adhering to Internet Principles
By adhering to internet principles, it allows for global inclusion due to the following key factors:
Decentralized by Design
Instead of being controlled by a single financial institution, central bank, or corporate entity, the remittance infrastructure would be distributed across the Pecu Novus blockchain network. This would allow peer-to-peer transactions without intermediaries, reducing costs and increasing accessibility, especially for underserved regions. In this case the Pecu Novus blockchain network with USXM being used as the stablecoin for low volatility transactions.Open to Global Contributors
Developers, organizations, and individuals worldwide could contribute to building Pecu Novus based wallets and merchant interfaces with the existing Pecu Novus APIs. These components could operate on open standards, ensuring interoperability and preventing monopolistic control over critical infrastructure.Permissionless and Inclusive
Anyone with internet access could create a Pecu wallet, initiate a remittance, or build tools to interact with the system. There would be no gatekeepers imposing barriers, geography-based restrictions, or high entry costs, which are common in legacy financial systems.Transparent and Trustless
Transactions are secured by cryptographic protocols and the Proof of Time consensus mechanism, allowing for transparent, auditable transfers without requiring blind trust in institutions. This increases security and reduces fraud.Modular and Scalable
Remittance tools, such as merchant payment gateways and individual Pecu wallets, are modular, and would be developed by an ecosystem of contributors to suit different markets and user needs. This allows for rapid innovation and local customization, unlike rigid centralized systems.Low-Cost and Always-On
Because there are no centralized clearinghouses or institutions taking fees at each step, transaction costs are significantly lower. And since the system is distributed globally, it operates 24/7 without downtime or banking holidays.
