TBUSD Whitepaper

1. Executive Summary

TBUSD is a regulated stablecoin designed for seamless payments and easy onboarding. Built on compliant infrastructure with gasless transfers that remove the biggest barrier to crypto adoption.

Key Features

• Gasless Transfers: Send TBUSD without needing ETH for gas
• Developer API: Programmatic minting, burning, and transfers for businesses
• Regulated Infrastructure: Issued through licensed, compliant platform
• Multi-Chain: Native on Base, Solana, Stellar, and more
• 1:1 Backed: Redeemable for $1 USD via supported channels
• Fiat Rails: On/off ramp via ACH and wire transfer

2. The Problem

The Gas Barrier

New crypto users face a frustrating paradox: you need ETH to send tokens, but you can't get ETH without already having crypto. This creates massive friction:

• User receives stablecoins but can't send them (no ETH for gas)
• Must use centralized exchange just to get $5 of ETH
• Confusing for mainstream adoption

Compliance Complexity

Building a compliant stablecoin requires money transmitter licenses, KYC/AML systems, reserve custody, and ongoing regulatory reporting. Most projects can't afford this infrastructure.

3. The TBUSD Solution

TBUSD combines regulated stablecoin infrastructure with user-friendly features:

Feature	What It Solves
Gasless Transfers	Send without needing ETH for gas
Developer API	Programmatic access for businesses
Regulated Infrastructure	Compliance, custody, fiat rails handled
Multi-Chain Native	Same token on multiple networks

4. Infrastructure

TBUSD is issued through Brale, a regulated stablecoin infrastructure provider.

What Brale Provides

• Token Issuance: Smart contract deployment and management
• Reserve Custody: Funds held at regulated financial institutions
• Compliance: KYC/AML, sanctions screening, regulatory reporting
• Fiat Rails: ACH and wire transfers for USD conversion
• Multi-Chain: Native deployment on supported networks

Regulatory Status

• FinCEN-registered Money Services Business
• Licensed money transmitter in select states (DC, FL, IL)
• Security-audited operations

What TBUSD Adds

• Gasless Transfers: Fee-subsidized transfers for better UX
• Developer API: Programmatic access for business integrations
• DEX Liquidity: Trading pairs on decentralized exchanges
• Customer Support: Direct support for TBUSD users

5. Gasless Transfers

TBUSD supports gasless transfers, allowing users to send tokens without holding ETH for gas fees.

How It Works

1. User signs a transfer message (no ETH needed)
2. Relayer submits transaction and pays gas
3. Recipient receives TBUSD

This removes the biggest friction point for new crypto users: needing to acquire ETH before they can use their tokens.

6. Agent Marketplace

TBUSD powers an on-chain marketplace where AI agents can discover, accept, and complete paid tasks using TBUSD as the native payment token.

How It Works

1. Task Posted: A user or system creates a bounty with TBUSD reward
2. Agent Claims: An AI agent claims the task
3. Work Completed: Agent submits result (URL, hash, or on-chain proof)
4. Verified & Paid: On verification, TBUSD releases to agent

Why TBUSD for AI Agents?

• Gasless Execution: Agents can operate without holding ETH
• Programmable Payments: Smart contract-based, instant settlement
• API-Friendly: Built for autonomous systems, not just humans

Use Cases

• Content generation and verification
• Data processing and analysis
• Automated testing and auditing
• Multi-step workflows with milestone payments
• Any task that can be defined and verified on-chain

The marketplace is designed for autonomous operation—agents can discover tasks, negotiate terms, and receive payment without human intervention.

Explore the marketplace at tbusd.io/agents.

7. Reserve Management

Reserve management is handled entirely by our infrastructure partner:

• Custody: Reserves held at regulated financial institutions
• Reporting: Regular reserve reports
• Audits: Independent third-party audits
• Redemption: Redeemable 1:1 for USD via fiat rails, subject to infrastructure partner terms

TBUSD does not directly hold or manage reserves. All reserve custody, reporting, and compliance is handled by our regulated infrastructure partner.

8. Risk Disclosures

Infrastructure Risk

TBUSD relies on third-party infrastructure for token issuance, custody, and compliance. Service disruptions at our infrastructure partner could affect TBUSD operations.

Regulatory Risk

Stablecoin regulations continue to evolve. Changes in law or regulation could affect TBUSD availability or operations.

Smart Contract Risk

While smart contracts are deployed by regulated infrastructure with security audits, all blockchain software carries inherent risk.

No FDIC Insurance

TBUSD tokens are not FDIC insured and are not backed by any government.

Geographic Restrictions

TBUSD is not available in OFAC-sanctioned countries or jurisdictions where cryptocurrency is prohibited. Fiat on/off ramps are available only in jurisdictions where our infrastructure partner is licensed to operate (currently DC, FL, IL). Check brale.xyz for current availability.

9. Contact Information

• Website: tbusd.io
• Support: support@tbusd.io

Entity

TBUSD, Inc.
30 N Gould St #56241
Sheridan, WY 82801