Proof on chain

Real money. Read this first.

• The code is unaudited. None of the four programs (bank, loans, safety pool, capacity staking) has been reviewed by anyone outside the team.
• The trusted setup was run by the team alone, not a public ceremony. If it leaked, proofs could be forged and the bank drained. How it was run ↗
• All four programs share one upgrade key: a single hot key held by the team, not a multisig. Whoever holds it can replace the code your deposit, loan or stake sits in, at any time and without notice.
• USDG is a Token-2022 stablecoin (mint 2u1tsz…WjGWH ↗). Its issuer, Paxos, holds a permanent delegate: it can move or burn any USDG, including the USDG in the bank's vault and in loan accounts, without asking us or you.
• Paxos can also turn on a transfer fee (it is 0 today) and holds the authority to close the USDG mint.
• The message you sign to open your account is its key. Anyone who gets that signature can spend everything in the account, and it cannot be changed. Sign it only on www.h081.xyz; a look-alike site asking for it is stealing the account.
• Privacy is limited for now. Your wallet funds the fee key that sends your agent accounts, agent payments, proofs and withdrawals, so all of them can be linked to your wallet on chain, and payment and withdrawal amounts and recipients are public. Use a fresh wallet if that matters to you.
• Deposits are capped while the bank is new: at most 1,000 USDG per deposit and 10,000 USDG in the bank in total. The safety pool and staking have their own caps, shown next to them.
• The team can pause new deposits, safety pool deposits and new stakes. Withdrawals, unbonding and unstaking can never be paused.
• Loans: a lender is repaid only from the pledged share of the agent's payments and what it can claim from the stream. If the borrower stops paying, the program only records the shortfall after a 7-day grace; nothing forces repayment. Each loan pays a 0.25% platform fee out of the principal.
• Safety pool: a defaulted insured loan is paid out of the pool in H081, one base unit of H081 per base unit of USDG owed, whatever H081's price. The team decides which loans get cover; a lender that lends to itself and defaults on purpose could still drain the pool. Withdrawing takes 14 days. You can lose all of it.
• Staking: staked H081 is locked for 30 days after you ask to unstake, and earns nothing. H081's price can fall to zero.
• You can lose everything you put in. Put in only what you can afford to lose.