Zero-latency transactions with PQC-verified atomic settlement. Money moves at light speed with no pending states.
Your biometric signature is your account. No passwords, no cards, and 0% consumer fraud through physical-biometric handshakes.
Loans issued as programmed mandates with spend-lock controls. Non-performing loans drop to near zero with guaranteed capital allocation.
Generate wealth through participation in national sectors. Universal liquid baseline ensures no citizen is "unbanked" while contributing value.
| Feature | Legacy Banking | AROE Sovereign Banking |
|---|---|---|
| Settlement | 1–3 Days (Slow) | Instant (Millisecond Finality) |
| Fees | 3%–5% (Intermediary Tax) | 0.1% (Sovereign Maintenance) |
| Security | Passwords/Cards (Hackable) | Biometric-PQC (Unbreakable) |
| Transparency | Opaque (Hidden in Ledgers) | 100% (Signed PQC-Audit Trail) |
| Credit Risk | High (Funds can be misspent) | Zero (Programmed Spend-Lock) |