Cuandeoro
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WHITE PAPER V2.0

Cuandeoro Protocol

"DLT Financial Settlement Infrastructure for High-Net-Worth Assets (RWA)"

Parent Entity: Cuandeoro Ltd. HQ: Dublin, Ireland (EU) January 2026

1. Executive Summary

Cuandeoro Ltd. is a financial technology (Fintech) company headquartered in Dublin, dedicated to modernising capital flows in the Prime Assets market.

Our mission is to resolve the structural inefficiency of high-volume international payments. Whilst the digital economy operates in real-time, the settlement of luxury real estate and yachts remains dependent on the SWIFT banking network, an obsolete system characterised by latency (T+5 days), opacity of costs, and a lack of 24/7 availability.

The Cuandeoro Protocol is not a bank, but an advanced technological infrastructure layer. We utilise the utilities of the Stellar network to enable payment settlement in regulated stablecoins with irreversible finality in 3-5 seconds. By eliminating cryptocurrency volatility and banking custody risk, we facilitate Foreign Direct Investment (FDI) in Europe with legal certainty, transparency, and capital efficiency.

2. Problem Statement: Banking Friction

In the luxury Real Estate sector and the nautical industry, transactions routinely exceed one million euros. In this segment, the traditional system presents critical failures:

  • Settlement Risk: The transfer of international funds via correspondent banks can delay up to a week. During this time, funds are in "limbo", generating critical legal uncertainty for both buyer and seller.
  • Capital Erosion: Foreign exchange spreads (FX Spreads) and chain commissions can cost the investor between 2% and 4% of the asset's value. On a €20M yacht, this represents up to €800,000 in "invisible" costs.
  • Time Incompatibility: The global luxury market operates 24/7, but banking closes on weekends and holidays, blocking urgent deal closures or payments for vital port services.

3. Technological Solution: Tokenless Infrastructure

Cuandeoro differentiates itself from the speculative "crypto" ecosystem through a sober and functional architecture. We do not issue a proprietary token. Our platform uses the rails of the Stellar network to transport real value (Tokenised Fiat).

3.1. Non-Custodial Architecture

This is the cornerstone of our security and legal compliance.

  • The Principle: Cuandeoro provides the software, but never takes possession of client funds on its balance sheet.
  • The Flow: Money travels directly from the investor's wallet to the smart contract or the seller.
  • The Advantage: We eliminate "Counterparty Risk". Should Cuandeoro Ltd. cease operations, user funds would remain unaffected, as they are always under their personal and exclusive cryptographic control.

3.2. Path Payments (Atomic Conversion)

We utilise Stellar’s native functionality for frictionless currency conversion.

  1. The client sends USDC (Digital Dollar).
  2. The network finds the best exchange route on the integrated DEX.
  3. The seller receives EURC (Digital Euro) in the same mathematical transaction.

Result: Institutional exchange rates without the abusive margins of private banking.

3.3. Soroban Smart Escrows (Digital Trusts)

We replace the notary escrow account (slow and bureaucratic) with Smart Contracts on Soroban:

  • Programmable fund locking.
  • Release conditioned upon digital signatures (Notaries, Registrars, Harbour Masters).
  • Automatic and immediate return if the operation is not perfected.

4. Revenue Model

Cuandeoro Ltd. operates under a SaaS and transactional revenue model, highly scalable and auditable, designed to offer sustainable returns without relying on asset speculation.

  • Service Fee (Processing Commission): We charge a flat fee (e.g., 0.5%) on the total volume processed. This cost is transparent and known in advance, eliminating banking uncertainty.
  • FX Spread (Exchange Margin): We obtain a micro-margin on currency conversion thanks to the efficiency of Stellar’s liquidity providers, still offering a better price than the banking spot market.
  • B2B Licensing (White Label): Recurring revenue from licensing Cuandeoro technology (API and Dashboard) to large real estate firms and marina managers wishing to integrate digital collections under their own brand.

5. Regulatory Framework and Strategic Alignment (Grant Focus)

This section details our suitability to operate in the EU and access public funding (Enterprise Ireland / Horizon Europe).

5.1. Regulatory Compliance

  • VASP Registration: Cuandeoro Ltd. is processing its registration as a Virtual Asset Service Provider with the Central Bank of Ireland, ensuring compliance with AML/CFT (Anti-Money Laundering) regulations.
  • MiCA Alignment: We operate exclusively with E-Money Tokens (EMTs) authorised under the European MiCA regulation, ensuring that every digital euro on the platform has 1:1 backing in segregated accounts.
  • Digital Identity (SEP-0012): We integrate strict KYC (Know Your Customer) protocols. No anonymous address can interact with our smart contracts.

5.2. EU Innovation Objectives

  • SME Digitalisation: We provide advanced digital tools to local real estate agencies and ports, modernising their treasury management and competitiveness.
  • Investment Promotion (FDI): We eliminate technological barriers for foreign capital entry into the Eurozone.
  • Sustainability: The Stellar network is energy efficient (Carbon Neutral), aligning with the EU's green objectives compared to the energy consumption of physical banking infrastructure.