About Synthetic Diamond Coin D-Coin

D-Coin, launched by Xillion Foundation (Singapore), is a diamond-backed stablecoin transparently collateralized by certified diamond reserves. Through its on-chain Proof-of-Reserve mechanism, D-Coin replaces fiat trust with tangible asset value — building a new standard for non-dollar stability.

The D-Coin reserve employs blockchain transparency, distributed custody, and multi-signature auditing. All diamonds are third-party certified and serial-numbered, with reserves traceable on-chain and via audit reports. The structure follows MAS AML/KYC compliance standards.

Project Overview

Investment Highlights

1. Real-Asset Backing: Transparent, verifiable diamond reserves ensure intrinsic value.
2. Technological Moat: Protected under PCT international patent (PCT/IB2025/060970).
3. Non-USD Trend: Aligned with the global move toward multi-asset, non-dollar stablecoins.
4. Singapore Compliance: Operated under transparent foundation structure.
5. Expanding Market: Stablecoin market exceeds $8 trillion annual transaction volume.

Investor Brief

• - Total Supply: 1,000,000,000 D-Coins
  - Reserve Ratio: 1 D-Coin = 1-carat equivalent diamond asset
  - Custody: Singapore Freeport (secured vault)
  - Distribution:
  • 50% Reserve backing
  • 20% Strategic & Private Investors
  • 15% Ecosystem incentives & liquidity
  • 10% Team & Advisors
  • 5% Public & Philanthropy Fund

Investment Opportunities

D-Coin is now open for:
- Strategic and private-round investors
- Exchange and payment settlement partners
- Blockchain ecosystem collaborations
- Global research and media partnerships

• Background and SWIFT Limitations

• Established in 1973, SWIFT connects over 11,000 financial institutions worldwide as the primary interbank communication standard. However, SWIFT operates as a centralized messaging network requiring correspondent banks for settlement, leading to slow transactions (1–5 business days), high costs, and vulnerability to geopolitical sanctions.
  • 5% Public & Philanthropy Fund

Xillion Foundation

D-Coin: A Decentralized Blockchain-based Replacement for SWIFT

Abstract

D-Coin introduces a blockchain-based decentralized cross-border payment infrastructure designed to replace the SWIFT messaging system. By integrating distributed ledger, decentralized identity, and programmable settlement layers, D-Coin eliminates intermediary dependence, enhances transaction transparency, and ensures regulatory compliance through cryptographic proofs.

Comparison of SWIFT and D-Coin Architecture

D-Coin consists of three core layers: Ledger Layer, Identity Layer, and Settlement Layer. The ledger layer ensures message = settlement, the identity layer provides zero-knowledge-based compliance, and the settlement layer executes programmable logic through smart contracts.

Security and Regulatory Compliance

D-Coin integrates AML and KYC compliance through a hybrid on-chain/off-chain verification model. Regulatory nodes can audit encrypted metadata without accessing personal data. Zero-knowledge proofs (ZKP) enable selective disclosure while satisfying FATF and GDPR compliance simultaneously.

Conclusion and Patent Applications

D-Coin represents the foundational evolution from centralized financial messaging to decentralized programmable settlement. Its integration of identity, ledger, and compliance layers enables global financial communication without reliance on legacy intermediaries.