The Standard White Paper

A proposal for the ultimate decentralized over-collateralized lending protocol

The Standard Protocol is a next-generation DeFi lending protocol that unlocks trillions of Dollars worth of rare assets, such as gold, cryptocurrencies, and in-game item NFTs, secured in digital wallets worldwide. Users can borrow stable cryptocurrencies pegged to their local fiat currency by locking up assets as collateral. All collateral is securely stored in decentralized smart contracts, known as "Smart Vaults." The users maintain full control of their private keys throughout the process, ensuring no 3rd party can speculate on the user's collateral. This innovative approach allows users to access the value of their assets without selling them, enabling 0% interest borrowing without trusting a third party.

Initially, users can borrow "Standard Euro (sEURO)," a fiat Euro pegged stablecoin, with sUSD, sYen, and others to follow. The protocol supports multiple collateral types in a single vault, allowing locked assets to be traded in the smart vault while maintaining their locked collateral status. Furthermore, smart vaults and associated debt can be sold as NFTs, providing flexibility in debt management. Governance of the protocol lies with the community of Standard Token ("TST") holders, forming the Standard DAO a Decentralized Autonomous Organization.

Drawing inspiration from the historical Gold Standard, The Standard ushers in a new era of privatized and decentralized stable virtual currencies backed by valuable rare assets but locked up while offering unprecedented flexibility and security for the borrower.

“You never change things by fighting the existing reality. To change something, build a new model that makes the existing model obsolete.” ― Buckminster Fuller

IBCO Launching new stablecoins

Initial Bonding Curve Offering to bootstrap deep liquidity for the Stablecoins issued by The Standard Protocol.

The Standard DAO presents an unprecedented opportunity with the innovative Initial Bonding Curve Offering (IBCO), designed to mint and launch new stablecoins for the lending protocol, starting with the highly anticipated sEURO and then launching sUSD, sINR,sGBP, and so on soon after. These events invite savvy early adopters to capitalize on these lucrative opportunities while contributing to the establishment of deep liquidity for the stability pools of each stablecoin released by the protocol. Imagine being part of an exclusive group that benefits from discounted sEURO purchases, while simultaneously generating attractive yield farming returns. The IBCO, with its groundbreaking 3-phase mechanism, offers people the chance to seize this moment and make a lasting impact in the DeFi space.

While the IBCO is not only about financial rewards; it's about participating in a revolution, changing the way decentralized stablecoins are launched and adopted. By participating in The Standard's IBCO, you become a catalyst for accelerated market validation, enabling users to generate yield on new stablecoins and significantly reducing the acceptance curve for this important technology.

The IBCO unfolds in three compelling phases, each meticulously designed to optimize the benefits for early participants. Phase one allows you to purchase sEURO at a discount, with the discount reducing as liquidity increases, eventually reaching the 1:1 peg with fiat EURO. In phase two, you have the option to buy liquidity bonds, committing your discounted sEURO alongside an equivalent amount of USDC to the Uniswap liquidity pool and receiving TST yield in return. Finally, phase three enables you to stake your earned TST, receiving sEURO yield and your original TST back upon unstacking. Each stage of this journey is crafted to reward you for your invaluable contribution to building deep liquidity and stability pools for The Standard Protocol, ushering in a new era for decentralized stablecoins.

Picture yourself at the forefront of this transformative event, making a difference by helping to establish real alternatives for payment and lending in the DeFi space. Don't let this opportunity slip through your fingers; embrace the excitement, join the movement, and secure your position in The Standard's IBCO today.

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