Regulated stablecoins, for the markets that need them.
Bantu lets a regulated bank, a fintech, or a commodity custodian issue a stablecoin in days, not years — with the compliance primitives required by financial regulators built into the protocol itself. No bolt-on smart contracts, no custom audits, no fork risk.
The four kinds of stablecoin Bantu supports.
1:1 reserve-backed
cNGN, cKES, cUSD, cEUR — held off-chain by a regulated issuer, with on-chain attestation. Mint on deposit, redeem on withdrawal. The most common form.
Backed by physical assets
Gold, silver, oil, agricultural commodities. Backed by audited reserves with regular on-chain attestation. Fractional ownership of physical inventory.
Over-collateralized algorithmic
Use XBN or other Bantu-issued tokens as collateral via on-chain collateralization contracts. Programmable, transparent, fully on-chain.
Pegged via market mechanisms
Maintain a peg through DEX arbitrage, supply elasticity, and incentives. Higher complexity, higher capital efficiency. Best for sophisticated issuers.
What's built in for regulators.
- AUTH_REQUIRED — gate holder onboarding via KYC
- AUTH_REVOCABLE — revoke trustlines for sanctioned addresses
- Account freeze — halt transfers from a specific holder
- Clawback — recover assets when legally compelled
- Transfer limits — programmable thresholds and velocity
- On-chain attestation — reserve audits cryptographically signed