The World Digital Currency Investment Bank (WDCIB) is reshaping the core architecture of global digital financial infrastructure with strategic investment and technological R&D as its dual drivers. In 2025, WDCIB allocated 2.8 billion US dollars to launch the "New Digital Foundation Program". Through the in-depth integration of underlying technological breakthroughs and ecological collaborative innovation, it aims to build a "technological base" and "ecological network" that support the future financial system.
I. Strategic Investment: Three-Dimensional Core Asset Layout (2025-2027)
Strategic investment focuses on "infrastructure building, application scenario empowerment, and cutting-edge technology expansion", forming an asset matrix covering the entire chain of digital finance.
1. Digital Financial Infrastructure Layer: Consolidating the Foundation for Security and Interconnection
• Quantum Ledger (420 million US dollars): The world's first central bank-level quantum attack-resistant blockchain, adopting post-quantum cryptography (PQC). It provides a secure foundation for cross-border clearing and sovereign digital currency storage in the "quantum era" and resists the impact of quantum computing on existing encryption systems.
• CrossChain Hub (380 million US dollars): A cross-chain protocol supporting more than 50 mainstream blockchains. It realizes the atomicity and immediacy of cross-chain asset transfer through a distributed node network, solves the "data silo" problem in the multi-chain ecosystem, and becomes the core hub for global digital asset interconnection.
• Decentralized ID (250 million US dollars): A distributed identity system integrating zero-knowledge proof (ZK) and biometric recognition technology. It supports privacy-protected identity verification for billions of users, providing trusted digital identity infrastructure for cross-border finance and inclusive services.
2. Sustainable Financial Application Layer: Technology Empowering the Real Economy
• Carbon Credit Tokenization Platform: Jointly issuing standardized rCER tokens with international carbon trading institutions, which have anchored 2 million tons of high-quality carbon sink assets. It realizes real-time trading and traceability of carbon credits through smart contracts, reducing the threshold for participation in green finance.
• On-Chain Market for Catastrophe Bonds: It creates a full-process on-chain issuance and settlement system for climate bonds in Pacific island countries, compressing the traditional 45-day issuance cycle to 72 hours, increasing financing efficiency by 300%, and helping vulnerable economies enhance their ability to resist disaster risks.
• Microfinance Protocol: Through the African MobileFi project, it has implemented ultra-low-cost microcredit solutions, reducing the cost per transaction to 0.3 US dollars, covering 8 million unbanked people, and using technology to break through the "cost-scale" bottleneck of traditional financial services.
3. Cutting-Edge Technology Incubation Layer: Layout the Future Competitive Pinnacle
WDCIB Incubation Fund focuses on three disruptive directions:
• AI + DeFi Field: Develop the Panoptic smart contract risk pricing engine, which monitors contract vulnerabilities and market risks in real-time through machine learning, providing dynamic risk ratings for DeFi protocols.
• Quantum-Secure Encryption: Build a QChain quantum-resistant ledger prototype, test the quantum-resistant transaction system based on lattice cryptography and hash signatures, and lay out the impact of quantum computing on financial security in advance.
• Neuromorphic Computing: Develop the NeuroLedger brain-like transaction processor, simulate the parallel computing capability of the human neural network, and improve the efficiency of high-frequency trading and complex derivative pricing.
II. Technological R&D: Four Major Laboratories Leading Core Breakthroughs
Technological R&D focuses on "upgrading financial infrastructure, innovating regulatory technology, defending against quantum security, and standardizing open protocols". Through four major laboratories, it realizes the leap from "technology following" to "standard setting".
1. Central Bank Digital Currency Laboratory (CBDC Lab): Building a Cross-Border Payment Hub
Upgrade the mBridge 2.0 system to create a global benchmark for central bank digital currency interoperability:
• Performance Breakthrough: Compress multilateral clearing delay to 800 milliseconds, supporting 10,000-level transactions per second.
• Ecological Expansion: Cover 19 central bank digital currencies, realizing direct exchange of sovereign digital assets.
• Technological Innovation: Adopt the asynchronous Byzantine Fault Tolerance (aBFT) consensus mechanism to improve system stability in extreme network environments.
• Application Implementation: Develop multi-country CBDC atomic swap smart contracts, automatically execute exchange rate conversion and compliance verification for cross-border payments, replacing the cumbersome process of traditional SWIFT.
2. On-Chain Regulatory Technology Laboratory (RegTech Lab): Building a Compliance Technology Defense Line
Build a real-time regulatory dashboard system to realize "on-chain risks can be monitored and compliance requirements can be embedded":
• AML Scanning Module: Integrate graph neural network and on-chain traceability technology, with a processing capacity of 500,000 TPS, accurately identifying abnormal cross-border capital flows.
• Liquidity Early Warning Module: Based on the chaos engineering simulator, simulate the risk of liquidity depletion under extreme market conditions, with a response speed reaching the millisecond level.
• Reserve Proof Module: Adopt the zk-SNARK zero-knowledge verification engine, allowing stablecoin issuers to prove to regulatory authorities that reserve assets are fully compliant without泄露商业机密.
3. Quantum Computing Financial Application Center: Breaking Through the Boundary of Traditional Computing Power
Focus on the practical breakthrough of quantum technology in the financial field:
• Quantum Option Pricing Algorithm: Compress the computing time of Monte Carlo simulation from hours to 8 seconds, supporting real-time pricing of complex derivatives.
• Quantum-Resistant Signature Protocol: Replace traditional ECDSA signatures with lattice-based cryptography to prevent quantum computing from threatening the ownership of digital assets.
• Quantum Random Number Generator: Provide a true random source with an entropy value > 0.99, offering an unpredictable security foundation for encryption key generation and transaction confirmation.
4. Open Financial Protocol Workshop: Formulating Industry Standard Protocols
Develop the WDCIB standard protocol family to promote the interoperability of the open financial ecosystem:
• LendX Lending Protocol: Adopt a dynamic interest rate model, automatically adjust lending costs according to market supply and demand and collateral risks.
• SwapX DEX Protocol: Integrate the MEV (Miner Extractable Value) protection engine, reduce front-running risks through batch transaction reorganization.
• DerivX Derivatives Protocol: Equipped with a volatility surface oracle, access global market data in real-time, providing a precise pricing basis for derivatives such as options and futures.
III. Synergistic Effect of Investment and R&D: Three Benchmark Cases
The in-depth integration of strategic investment and technological R&D has verified the synergistic value of "1+1>2" in multiple scenarios.
Case 1: Cross-border Trade Finance Network – Efficiency Revolution
The full-process digital closed-loop has realized the paradigm reconstruction of traditional trade finance:
• Chinese exporters submit NFT-based digital bills of lading, which are automatically uploaded to the chain for certification;
• WDCIB's on-chain system calls the smart contract of mBridge 2.0 to trigger the automatic issuance and confirmation of letters of credit by Standard Chartered Bank;
• African importers complete identity verification through Decentralized ID and obtain on-chain financing instantly;
• Finally, cross-border payments are completed through CBDCs such as e-CNY, compressing the traditional 5-7 day process to 90 seconds and reducing the risk of document fraud by 99%.
Case 2: Disaster Response Financial System – Precise Empowerment
Technology implementation in the emergency scenario of typhoon disasters in the Philippines:
• Based on the ClimateOracle meteorological oracle (investment in the cutting-edge technology incubation layer), the on-chain insurance claim conditions are automatically triggered;
• Through the MobileFi microfinance protocol (sustainable financial application layer), digital relief funds are distributed to disaster victims, increasing the coverage rate to 98%;
• Using GeoNFT positioning technology (developed by the On-Chain Regulatory Technology Laboratory) to achieve precise tracking of material distribution, the fund misappropriation rate has dropped from 23% to 1.7%, and the rescue efficiency has increased by 3 times.
Case 3: Central Bank Gold Tokenization – Liquidity Release
Ecological linkage of the South African Reserve Bank's gold reserve tokenization project:
• Adopting WDCIB's GoldChain tokenization framework (developed by the Open Financial Protocol Workshop), each ZAR-Gold token is anchored to 1 gram of LBMA-certified gold;
• Through CrossChain Hub (investment in the digital financial infrastructure layer), cross-chain exchange with gold tokens from Singapore, the United Arab Emirates and other countries is realized;
• The on-chain reserve proof module (RegTech Lab technology) verifies the sufficiency of gold reserves in real-time, reducing the cross-border circulation cost of traditional gold by 80% and increasing liquidity by 10 times.
IV. 2026-2028 Strategic Roadmap: Building Global Digital Financial Ecological Hegemony
In the next three years, WDCIB will focus on the progressive path of "technological breakthrough - ecological implementation - standard output" to consolidate its leading position in global digital financial infrastructure.
Core Technology Breakthrough Directions
• Quantum finance field: Build a 100-qubit financial simulation environment in 2026, and realize the practical deployment of quantum risk models in 2028 to solve the pricing problem of complex financial derivatives that traditional computing power cannot handle.
• Neuromorphic computing: Develop a 1 trillion synapse chip in 2026, and build a brain-like transaction decision-making system in 2028 to improve the intelligence level of high-frequency trading and market forecasting.
• Privacy computing: Develop a fully homomorphic encryption payment prototype in 2026, and deploy an enterprise-level ZKP settlement network in 2028 to realize cross-border financial collaboration with "data available but not visible".
Key Layouts for Strategic Investment
• Infrastructure field: Build a global quantum security backbone network from 2026 to 2027, connecting 20 financial centers on five continents; deploy DePIN (decentralized physical infrastructure) from 2027 to 2029 to integrate IoT devices into the digital financial network.
• Application ecosystem field: Promote the tokenization of space assets (such as satellite communication bandwidth, space mineral resources) from 2026 to 2029, establishing a new dimension of value exchange; build a global inclusive financial protocol from 2025 to 2029, covering 2 billion unbanked people.
Resource Deployment Guarantee
• Capital investment: Establish a 5 billion US dollar special fund, with 60% invested in core technology research and development, and 40% used for investment in ecological partners, strengthening the connection between technology transformation and market implementation.
• Global R&D alliance: Join hands with institutions such as MIT Media Lab, CERN, and the Monetary Authority of Singapore to build interdisciplinary R&D teams and share technical patents and test data.
• Three testnets:
◦ Geneva Testnet: Focus on cross-border regulatory sandbox applications, testing multi-country collaborative compliance technologies;
◦ Singapore Testnet: Specialize in cross-border payment and digital asset transaction innovation, verifying system performance and security;
◦ Nairobi Testnet: Promote the adaptation and implementation of inclusive financial technologies in emerging markets, collecting feedback from real scenarios.
The strategic essence of WDCIB is to rewrite the underlying code of finance through technological R&D and build an ecological moat with strategic investment. When Standard Chartered Bank reconstructs its century-old letter of credit business with smart contracts, when South African gold reserves are turned into digital assets flowing on the chain, and when quantum computers start pricing global derivatives – this is not only the integration of finance and technology, but also a fundamental change in the paradigm of human value exchange. The global competition for the future financial system is quietly being decided in the quantum chips of laboratories and the smart contracts of code repositories. And WDCIB is at the forefront of this transformation.
