Abstract

Foreword

We live in an era of constant transformation. Digital technology is breaking down the boundaries of finance, and with the emergence of cryptocurrencies and Central Bank Digital Currencies (CBDCs), the concepts of money, transactions, and asset ownership are being radically redefined. Traditional finance still holds immense influence, yet its structure does not provide equal opportunity for everyone.

As of 2024, hundreds of millions of people around the world still lack access to even the most basic financial services, including a simple bank account. Documentation and identity requirements, geographic constraints, and high costs have created barriers that exclude billions from the benefits of the global financial system. International remittances often incur average fees of 6–7%, taking several days to settle — a persistent inefficiency and injustice even in this age of advanced technology.

Meanwhile, despite its explosive growth and potential, the cryptocurrency market has faced numerous crises and challenges. Volatility, complex user experiences, and regulatory ambiguity have become barriers to mass adoption. The collapse of Terra-Luna in 2022, which wiped out approximately $450 billion in market value, remains an unforgettable warning to all market participants.

Paladeum recognizes these realities. And we make a promise: to deliver a fair, transparent, and stable financial ecosystem that ensures equal access for all. Our unique “PLB Mainnet” is more than a technological infrastructure—it is a comprehensive financial platform that integrates asset issuance and transfer, stablecoin and real-world asset tokenization, trusted regulatory compliance, and user-centric experience.

Paladeum is built on four core values:

• Equity: Financial access for all, regardless of geography or economic background.

• Transparency: Full public disclosure of asset formation, liquidity, and auditing processes.

• Stability: Robust security architecture, regulatory compliance, and Proof of Reserves to ensure trust.

• User-Centricity: Intuitive wallet, asset issuance, and transfer tools designed for seamless usability.

This foreword serves as a declaration that Paladeum is not merely another project—it is a new paradigm for the future of finance. This whitepaper presents a complete overview of the PLB Mainnet, including its technical architecture, token economy, compliance framework, ecosystem utilization, and roadmap — encompassing every key element required for exchange listings and institutional partnerships.

Through this journey, we aim to lower the barriers of finance and build a world where trust and value flow freely to all.

Cryptocurrencies continue to attract a lot of attention, and digital currencies are also being issued in various countries. In various fields such as finance, business, and investment, cryptocurrency is emerging as an essential field. Riding on this current, we intend to introduce a new banking system through our technology.

This will ensure equal access to the next generation of technology for everyone, and while traditional finance has only benefited a few, with Paladeum, everyone will receive equal access to financial services. We plan to do this through our unique Paladeum Currency.