Financial products that actually include you.
Fixed deposits, bonds, and yield instruments have always existed. They just weren't built for you. Deposit Plus puts them on-chain, removes the gatekeepers, and lets a global community govern how they work.
- 1,000,000,000
- Fixed total DPST supply. No surprises.
- 5
- Asset classes: deposits, bonds, structured yield, money market, synthetics
- 24
- Months of initial DEX liquidity locked, publicly verifiable from day one
6.8% APY
12-month term, fixed rate
Principal
2,500 DPST
Settlement
On-chain
Why the system isn't working for most people
The global bond market is worth over $130 trillion. Global deposits exceed $100 trillion. Almost none of it is accessible to the average person.
The minimum is the wall
Most fixed-income products start at $10,000. Institutional instruments start at $1 million. If you don't already have capital, the products designed to grow capital are simply closed to you. The barrier isn't your creditworthiness. It's your balance.
Geography decides your options
A retail investor in Jakarta cannot easily access a US Treasury instrument, a European corporate bond, or most money market funds without costly brokerage chains that eat into whatever yield remains. Financial opportunity is distributed by geography, not by merit.
Illiquidity is the penalty for participation
Even when traditional instruments are accessible, you're locked in. Fixed deposits penalize early withdrawal. Bonds have no active secondary market for retail holders. Your money earns yield while you lose the ability to use it.
You can't see the pricing
Interest rates and structuring terms for institutional instruments are negotiated privately. Retail investors receive whatever terms the bank decides to offer. There is no transparency, no comparison, no recourse. The information asymmetry is the product.
Deposit Plus is built on the assumption that these aren't natural laws. They're design choices. And design choices can be changed.
A governed marketplace for on-chain financial assets
Every issuance is approved through community governance. Every yield payment is automated by smart contract. Every decision is publicly auditable.
No intermediaries. No minimum thresholds designed for institutions. No opaque pricing.
Tokenized deposits
The on-chain fixed deposit.
Choose your term, from 30 days to 5 years, your interest structure, fixed or variable, and your compounding frequency. Interest accrues and settles automatically by smart contract. No bank required to hold the instrument or process the payment. Minimum entry is set by governance, not by a bank's product team.
Familiar equivalent
Bank fixed deposit / certificate of deposit
Fixed-income instruments
Bonds and sukuk, without the institutional wrapper.
Tokenized bonds and Sharia-compliant sukuk with automated coupon payments. The smart contract enforces the payment schedule. There is no counterparty who might miss a coupon. Issued instruments are tradeable on the secondary market around the clock, unlike traditional bonds that retail holders typically can't exit before maturity.
Familiar equivalent
Corporate bond / government sukuk
Structured yield products
Choose your risk profile, not just the rate.
Multi-tranche vaults that combine underlying on-chain assets into structured products. Senior tranches receive priority yield with lower risk exposure. Junior tranches absorb first-loss risk in exchange for higher potential returns. Risk parameters and tranche structures are set by community governance and published before any product launches.
Familiar equivalent
Structured investment product / tranche-based fund
Money market vaults
Daily liquidity. Real yield.
Short-duration instruments that deploy capital across a diversified portfolio of on-chain yield strategies. Deposits can be withdrawn daily, with no lock-up. Yield accrues continuously and is distributed on a programmable schedule. These vaults function as the savings account of the platform: accessible, liquid, and consistently yield-generating.
Familiar equivalent
Money market fund
Synthetic financial assets
Global exposure, without the geographic gatekeeping.
Protocol-issued instruments that provide exposure to traditional asset classes, government bond indices, corporate credit baskets, commodity-linked notes, without requiring direct custody of the underlying asset. Collateralized by on-chain reserves and priced via decentralized oracle networks.
Familiar equivalent
Structured note / linked product
How governance works
Every financial asset on Deposit Plus goes through a structured approval process before it can be issued. DPST holders govern this process end to end.
Application
An entity seeking to issue a financial asset submits a structured application: asset type, terms, collateral details, and risk profile.
Risk committee review
A community-elected Risk Committee, DPST stakers with verified financial expertise, publishes a detailed risk assessment with a transparent rating before any vote.
Community discussion
Fourteen days, open forum. Any DPST holder can question the terms, request modifications, or flag concerns.
Governance vote
Seven-day voting period. DPST holders approve or reject the issuance. Quorum thresholds scale with issuance size. No single entity decides.
Issuance and monitoring
Approved assets are issued through the smart contract Issuance Engine. The Risk Oracle Network monitors collateral and risk parameters automatically. Circuit breakers trigger on predefined risk events.
Platform architecture at a glance
| Layer | What it does |
|---|---|
| Issuance Engine | Creates and deploys financial instrument smart contracts with configurable terms |
| Risk Oracle Network | Real-time creditworthiness scoring and collateral monitoring for all issued assets |
| Yield Distribution Engine | Automates and settles yield payments on-chain, on schedule |
| Secondary Market Protocol | Fixed-income optimized exchange for trading issued instruments around the clock |
| Compliance Layer | KYC-gated pools for regulated instruments, with jurisdiction-specific access controls |
DPST vs. traditional finance
| Feature | Traditional finance | Deposit Plus |
|---|---|---|
| Minimum investment | $10,000 to $1M+ | Governed by community vote |
| Settlement time | T+1 to T+3 | Instant, on-chain |
| Secondary liquidity | Limited or none for retail | Trading around the clock |
| Pricing transparency | Opaque, institutional-first | All parameters on-chain |
| Geographic access | Jurisdiction-restricted | Open by default |
| Yield distribution | Manual, bank-processed | Automated smart contract |
| Governance | Closed to retail | Every DPST holder has a vote |
What DPST is and how it's protected
A governance and utility token with a fixed supply, independent audits, locked liquidity, and multi-signature admin control.
DPST is not a stablecoin. Its value reflects demand for platform governance, staking rewards, and access to the Deposit Plus ecosystem. Everything below is verifiable on-chain. Nothing here requires you to trust a press release.
Token basics
| Token name | Deposit Plus |
| Ticker | DPST |
| Standard | BEP-20 on BNB Smart Chain |
| Total supply | 1,000,000,000 DPST, fixed, no exceptions |
| Mintable | Capped at total supply, any mint requires multi-sig approval |
| Burnable | Yes, from issuance, trading, and yield protocol fees |
| Privacy features | None. Every transaction is publicly traceable. |
Token allocation
30% Platform & DAO treasury
Community-controlled. Every disbursement requires an on-chain vote.
25% Ecosystem & staking rewards
Released over 48 months, tied to governance activity and TVL milestones.
15% Team & advisors
12-month cliff plus 36-month linear vesting.
10% Private sale
6-month cliff plus 24-month vesting for strategic investors.
10% Public sale
Broad distribution with per-wallet purchase caps.
7% Liquidity provision
DEX liquidity, locked minimum 24 months with public proof.
3% Reserve fund
Multi-sig controlled emergency reserve.
Key concentration target: top 10 holders targeted to remain below 85% of circulating supply, declining over time. Distribution reports published publicly on a regular basis.
What DPST holders can do
Govern the platform
Vote on asset classes, risk parameters, issuer approvals, and treasury allocation.
Stake for weight and rewards
Staking increases governance influence and earns a share of the staking rewards pool.
Access premium features
Staking unlocks advanced yield analytics, early issuance access, and live Risk Oracle feeds.
Qualify for fee discounts
Discounted issuance, trading, and yield distribution fees based on staking tier.
Join the Risk Committee
Elected members assess issuance applications and serve 6-month terms, staking thresholds apply.
Deflationary mechanics
DPST is burned from four on-chain sources. As platform activity grows, the supply decreases.
Issuance fees
When a new financial asset is issued through the platform
Trading fees
When issued assets are traded on the Secondary Market Protocol
Governance platform fees
On proposal submissions and treasury disbursements
Yield protocol fees
A micro-fee on each yield distribution processed by the platform
No single point of control. No hidden functions. Everything on-chain.
Security architecture
Verified source code
The complete DPST smart contract is publicly verified on the block explorer, readable by anyone.
Independent security audits
At least two independent, reputable firms audit the contract before any public listing. Reports are published in full.
Multi-signature admin control
Treasury disbursements and parameter changes require approval from multiple identified signatories.
48-hour timelock
Sensitive contract changes are subject to a minimum 48-hour on-chain delay before they take effect.
Locked liquidity
Initial DEX liquidity is locked for a minimum of 24 months through a third-party locker, with public proof.
Public bug bounty
An ongoing white-hat program rewards researchers who find and report vulnerabilities.
Progressive renouncement
Administrative control transfers progressively to on-chain DAO governance as the protocol matures.
Holder rights
Every DPST holder has the same rights, regardless of how much they hold.
- Transparency. Full real-time access to balances, treasury movements, governance records, and burn events. Same data for everyone.
- Governance access. Vote, submit proposals above threshold, delegate. No decision affecting holders happens without an auditable process.
- Predictable rules. No unilateral, instant rule changes. Multi-sig and a 48-hour timelock apply to all sensitive changes.
- Liquidity protection. Initial liquidity locked 24 months or longer, with public proof.
- Full information. Audit reports, team identities, tokenomics, vesting schedules, and contract addresses are disclosed and kept current.
Built in phases. Verifiable at every step.
Each phase ends with on-chain deliverables. Audits are published. Contracts are verified. Liquidity is locked.
1
Foundation
BEP-20 launch and governance framework
Token deployed and audited. Governance infrastructure live: community voting, staking, treasury management. Listed on major DEXs and pursued on regulated exchanges. First Risk Committee elected by the community.
Milestone: Governance live. Community building begins.
2
First products
Issuance Engine live, first assets issued
Issuance Engine v1 deployed. First asset class live: Tokenized Deposit Products with configurable terms. Risk Oracle Network activated. Secondary Market Protocol launched. Two independent security audits completed and published in full.
Milestone: First on-chain financial assets issued and tradeable.
3
Product expansion
Bonds, structured yield, money market vaults
Fixed-income instruments added. Structured Yield Products with multi-tranche vaults launched. Money Market Vaults activated for daily-liquidity yield. Compliance Layer deployed for KYC-gated institutional pools.
Milestone: Five asset classes live. Institutional pipeline open.
4
DeFi universe
Synthetic assets, cross-chain expansion
Synthetic Financial Assets module deployed. Secondary Market Protocol upgraded with advanced order book features. Cross-chain bridges to Polygon and Ethereum. Developer API and SDK published.
Milestone: Multi-chain. Open to third-party builders.
5
Institutional scale
Advanced compliance, AI risk scoring
Institutional-grade compliance features deployed. Partnerships with licensed financial institutions for co-issuance. Advanced Risk Oracle with AI-assisted credit scoring. Yield aggregation across multiple chains.
Milestone: Institutional-grade infrastructure in place.
6
Full decentralization
Community owns the protocol entirely
Full decentralization of platform governance, treasury control, and protocol upgrades. Advanced governance: delegated voting, quadratic voting, reputation-weighted risk governance.
Milestone: No team control. Fully community-governed.
Read the full picture
Get the Deposit Plus whitepaper.
Tokenomics, governance mechanics, security architecture, and the full roadmap, documented in one place.