Strategic Investment and Technology Research and Development of the World Digital Currency Investment Bank: Driven by Dual Engines, Building a New Foundation for Digital Finance
The World Digital Currency Investment Bank (WDCIB) is reshaping the core architecture of global digital financial infrastructure through strategic investment and technology research and development. In 2025, WDCIB will invest 2.8 billion US dollars to launch the "Digital New Foundation Plan", which aims to create a "technology foundation" and "ecological network" that support the future financial system through deep coupling of underlying technology breakthroughs and ecological collaborative innovation.
1、 Strategic Investment: Three Dimensional Core Asset Layout (2025-2027)
Strategic investment focuses on "infrastructure construction, application scenario empowerment, and cutting-edge technology expansion", forming an asset matrix covering the entire digital finance chain.
1. Digital financial infrastructure layer: Building a secure and interconnected foundation
Quantum Ledger ($420 million): The world's first central bank level anti quantum attack blockchain, using post quantum cryptography algorithm (PQC), providing a secure foundation for cross-border clearing and sovereign digital currency storage in the "quantum era", and resisting the impact of quantum computing on existing encryption systems.
CrossChain Hub ($380 million): Supports over 50 mainstream blockchain cross chain protocols, achieves atomicity and immediacy of asset cross chain transfer through a distributed node network, solves the problem of "data silos" in multi chain ecosystems, and becomes the core hub for global digital asset interconnection.
Decentralized ID ($250 million): A distributed identity system that integrates zero knowledge proof (ZK) and biometric recognition technology, supporting privacy preserving identity verification for billions of users, providing a trusted digital identity infrastructure for cross-border finance and inclusive services.
2. Sustainable financial application layer: technology empowers the real economy
Carbon credit tokenization platform: jointly issuing standardized rCER tokens with international carbon trading institutions, anchoring 2 million tons of high-quality carbon sink assets, realizing real-time trading and traceability of carbon credit through smart contracts, and reducing the threshold for participation in green finance.
Disaster Bond Chain Market: Creating 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, improving financing efficiency by 300%, and helping fragile economies enhance their disaster risk resilience.
Small and Micro Finance Protocol: Through the implementation of the African MobileFi project, an ultra-low cost microcredit solution has been implemented, reducing the cost of a single transaction to $0.3 and covering 8 million people without bank accounts, breaking through the "cost scale" bottleneck of traditional financial services with technology.
3. Frontier Technology Incubation Layer: Layout the High Ground of Future Competition
WDCIB Incubation Fund focuses on betting on three disruptive directions:
AI+DeFi field: Develop Panoptic smart contract risk pricing engine, monitor contract vulnerabilities and market risks in real-time through machine learning, and provide dynamic risk rating for DeFi protocols.
Quantum secure encryption: Building a QChain anti quantum ledger prototype, testing an anti quantum transaction system based on lattice cryptography and hash signatures, and laying out the impact of quantum computing on financial security in advance.
Neuromorphic computing: Developing NeuroLedger based brain trading processors that simulate the parallel computing capabilities of human neural networks, improving the efficiency of high-frequency trading and complex derivative pricing.
2、 Technology research and development: Four major laboratories lead the core breakthrough
The technology research and development focuses on "upgrading financial infrastructure, innovating regulatory technology, defending quantum security, and developing open protocol standards", achieving a leap from "technology following" to "standard setting" through four major laboratories.
1. Central Bank Digital Currency Lab (CBDC Lab): Building a Cross border Payment Hub
Upgrade mBridge 2.0 system to create a benchmark for global central bank digital currency interoperability:
Performance breakthrough: Compressing the delay of multilateral clearing to 800 milliseconds and supporting tens of thousands of concurrent transactions per second;
Ecological Expansion: Covering 19 central bank digital currencies, achieving direct exchange of sovereign digital assets;
Technological innovation: Adopting asynchronous Byzantine Fault Tolerant (aBFT) consensus mechanism to enhance system stability in extreme network environments;
Application implementation: Develop multi country CBDC atomic exchange smart contracts, automatically perform exchange rate conversion and compliance verification for cross-border payments, replacing the cumbersome process of traditional SWIFT.
2. RegTech Lab: Building a Compliance Technology Defense Line
Build a real-time monitoring dashboard system to achieve "on chain risk monitoring and embedded compliance requirements":
AML scanning module: integrating graph neural network and on chain traceability technology, with a processing capacity of 500000 TPS, accurately identifying abnormal cross-border fund flows;
Liquidity warning module: Based on chaos engineering simulator, it simulates the risk of liquidity depletion under extreme market conditions, with a response speed of milliseconds;
Reserve proof module: using zk SNARK zero knowledge verification engine, allowing stablecoin issuers to prove to regulatory authorities that their reserve assets are fully compliant without disclosing trade secrets.
3. Quantum Computing Financial Application Center: Breaking through Traditional Computing Power Boundaries
Focusing on the practical breakthroughs of quantum technology in the financial field:
Quantum option pricing algorithm: compresses the computation time of Monte Carlo simulation from hourly level to 8 seconds, supporting real-time pricing of complex derivatives;
Anti quantum signature protocol: Replace traditional ECDSA signatures with lattice based cryptography to prevent the threat of quantum computing to digital asset ownership;
Quantum Random Number Generator: Provides a true random source with entropy>0.99, providing an unpredictable and secure foundation for encryption key generation and transaction confirmation.
4. Open Financial Protocol Factory: Developing Industry Standard Agreements
Developing the WDCIB standard protocol family to promote interoperability in the open financial ecosystem:
LendX lending agreement: adopting a dynamic interest rate model to automatically adjust borrowing costs based on market supply and demand and collateral risk;
SwapX DEX protocol: integrates MEV (miners can extract value) protection engine, reduces front-end operational risks through batch transaction restructuring;
DerivX derivative agreement: equipped with a volatility surface oracle, real-time access to global market data, providing accurate pricing basis for derivatives such as options and futures.
3、 The synergistic effect of investment and research and development: three benchmark cases
The deep coupling of strategic investment and technological research and development has been validated in multiple scenarios for the synergistic value of "1+1>2".
Case 1: Cross border Trade Financing Network - Efficiency Revolution
The full process digital closed-loop realizes the paradigm reconstruction of traditional trade financing:
Chinese exporters submit NFT digital bills of lading, which are automatically uploaded to the blockchain for certification;
The WDCIB on chain system calls the mBridge 2.0 smart contract, triggering the automatic opening and confirmation of Standard Chartered Bank's letter of credit;
African importers can complete identity verification through Decentralized ID and instantly obtain on chain financing;
Finally, cross-border payments were 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
Technical Implementation of Typhoon Disaster Emergency Scenarios in the Philippines:
Based on ClimateOracle weather prediction machine (investment in cutting-edge technology incubation layer), automatically trigger on chain insurance compensation conditions;
Through the MobileFi small and micro finance protocol (sustainable finance application layer), digital relief funds are distributed to disaster victims, with a coverage rate increased to 98%;
By utilizing GeoNFT positioning technology (developed by the Chain Supervision Technology Laboratory) to achieve precise tracking of material distribution, the fund misappropriation rate has been reduced from 23% to 1.7%, and the rescue efficiency has been tripled.
Case 3: Central Bank Gold tokenization - Liquidity Release
Ecological linkage of the South African Central Bank's gold reserve tokenization project:
Adopting WDCIB's GoldChain tokenization framework (developed by Open Finance Protocol Factory), each ZAR Gold token is anchored with 1 gram of LBMA certified gold;
Through CrossChain Hub (investment in digital financial infrastructure layer), cross chain exchange of gold tokens with countries such as Singapore and the United Arab Emirates can be achieved;
The on chain reserve proof module (RegTech Lab technology) real-time verifies the adequacy of gold reserves, reducing the cross-border circulation cost of traditional gold by 80% and increasing liquidity by 10 times.
4、 2026-2028 Strategic Roadmap: Building Global Digital Financial Ecological Hegemony
In the next three years, WDCIB will focus on the progressive path of "technological breakthroughs, ecological implementation, and standard output" to consolidate its dominant position in global digital financial infrastructure.
Core technology breakthrough direction
Quantum finance field: By 2026, a 100 qubit financial simulation environment will be built, and by 2028, practical deployment of quantum risk models will be achieved to solve complex financial derivative pricing problems that traditional computing power cannot handle.
Neuromorphic computing: Develop 1 trillion synapse chips by 2026, build a brain like trading decision system by 2028, and enhance the intelligence level of high-frequency trading and market prediction.
Privacy computing: Develop a fully homomorphic encrypted payment prototype in 2026, deploy an enterprise level ZKP settlement network in 2028, and achieve cross-border financial collaboration where data is available but not visible.
Strategic investment focus layout
Infrastructure sector: Build a global quantum security backbone network from 2026 to 2027, connecting 20 financial centers across five continents; Deploy DePIN (decentralized physical infrastructure) from 2027 to 2029 to integrate IoT devices into the digital financial network.
In the field of application ecology, we will promote the tokenization of space assets (such as satellite communication bandwidth and space mineral resources) from 2026 to 2029, and establish a new dimension of value exchange; Build a global inclusive finance agreement from 2025 to 2029, covering 2 billion people without bank accounts.
Resource deployment guarantee
Capital investment: Establish a special fund of 5 billion US dollars, with 60% invested in core technology research and development and 40% invested in ecological partners, to strengthen the connection between technology transformation and market implementation.
Global R&D Alliance: Collaborate with institutions such as MIT Media Lab, European Organization for Nuclear Research (CERN), and Monetary Authority of Singapore to build interdisciplinary R&D teams and share technology patents and testing data.
Three major testing networks:
Geneva Test Network: Focusing on cross-border regulatory sandbox applications, testing multi country collaborative compliance technologies;
Singapore Test Network: Focusing on innovation in cross-border payments and digital asset transactions, verifying system performance and security;
Nairobi Test Network: Promote the adaptation and implementation of inclusive financial technology in emerging markets, and collect feedback from real-life scenarios.
The strategic essence of WDCIB is to rewrite the underlying code of finance through technological research and development, and to build an ecological moat through strategic investment. When Standard Chartered Bank reconstructs its century old letter of credit business with smart contracts, when South African gold reserves become digital assets flowing on the chain, and when quantum computers begin 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 in the future financial system is quietly determining the winner in the smart contracts of quantum chips and code repositories in the laboratory. And WDCIB is at the forefront of this transformation.
