Shard Bank — The Cybernetic
Merchant Bank.
Modular, institutional-grade infrastructure for Real-World Asset tokenization. Bridging domestic civil-law assets — Mexico's Fideicomiso, Colombia's Patrimonio Autónomo — to global digital liquidity through a two-tier DAO architecture on Base.
The Apply button connects your institutional wallet first, then opens the Concierge for a conversational intake. Your wallet address identifies you as originator on the Management Briefing Pack.
Three entry points
Route by intent, permission, and role.
The Onboarding Engine
Shard Bank provides the Institutional Motherboard to tokenize Industrial Real Estate, Mining, and Commodities. Every project sits in its own Project DAO (Spoke) for total legal and risk isolation.
- Modular SPVs. Every asset class is housed in a standalone Spoke DAO — legal + risk isolation by construction.
- Civil-law native. Fideicomiso (MX), Patrimonio Autónomo (CO), and other domestic trustee wrappers.
- Automated governance.
ProjectDAOFactory.spawnAndRegisterProject()wires Hub parent-override and divestment rails on day one.
Capital Participation
Fractional ownership in physically-backed assets with automated compliance and real-time transparency. Minimums drop from $1M+ institutional thresholds to $1,000 for qualified investors.
- ERC-3643 (T-REX). Identity-gated compliant transfers — every swap is registry-verified.
- Programmatic yield. Quarterly distributions in USDC via automated payment splitters.
- Glass-Box audit trail. Every evidence CID, oracle signature, and dispute record is public-read.
Cybernetic Governance
Secure consoles for partners, oracle signers, and advisors to verify off-chain milestones and release payouts. Modified Lockstep vesting is tracked on-chain and visible to every partner.
- Multi-Sig Oracle. Legal · Treasury · Tech. 3-of-3 signatures for CIMA, bank confirmations, audits.
- Success Gateways. Immutable audit trails with 48 h dispute windows on every payout-triggering transition.
- Modified Lockstep. Real-time visibility into $MGMT vesting and partner seniority across the bench.
How it works
The Technical Trust Stack.
Five production mechanisms hold the whole system together. Each is replaceable — that's the point of an unbranded infrastructure play.
| Feature | Implementation | Functional security |
|---|---|---|
| Governance Hub | Aragon OSx v1.4.6 | Modular Operating-Agreement enforcement on Base L2. 75 % Reserved Matters gated on-chain. |
| Trust Model | Multi-Sig Oracle (3-of-3) | Legal + Treasury + Tech. No single-signer override. Evidence auto-pushed to Glass-Box. |
| Identity | ERC-3643 (T-REX)Pending MVP | ZK-KYC credentials required for every token transfer. |
| Remuneration | Modified Lockstep | 50 % USDC + 50 % $MGMT split. 4 yr / 1 yr cliff vesting. Bad-leaver forfeiture on-chain. |
| Anti-spam | $SHARD utility token | Proposal fees required to submit petitions. Refund on pass, slash on fail. |
In-Build
The governance spine (Hub, oracle, partnership, project lifecycle) is built and tested. The ERC-3643 issuance layer — RWAToken, IdentityRegistry, SubscriptionEscrow, CouponDistributor — is still scaffolded. Investor Portal and Marketplace are live for preview but will not mint or swap tokens until this lands. See the drift analysis for the full status.