Vision  

Money is not wealth—it is a claim on wealth.

Axio is a new kind of money—designed to surpass both fiat and cryptocurrency, to empower people, support productive work, and strengthen trust rather than eroding it. It is the core of a legally structured monetary system (U.S. Patent No. 11,354,734) that combines the stability of traditional finance with the speed, transparency, and global reach of digital technology. It is not just a medium of exchange, but the foundation of a public monetary system—democratically governed, fully backed, and built for service, not profit.

Axio is backed by real economic activity, not speculation. It recycles value back into the system, ensuring that money strengthens circulation rather than being siphoned away. Within the system, transactions are processed in real time and free of charge. Privacy and transparency are built into its design, along with a mechanism for dispute resolution. Most importantly, Axio is owned and governed by the people who use it—not by banks or private investors.

With Axio, money becomes a tool for progress, not a source of division. It is a step toward a more inclusive, transparent, and sustainable global economy—one where the power of money truly serves humanity.

Join us, and be part of building that future.

What is Axio?  

Axio is a programmable, asset-backed digital currency designed to function as part of a complete, legally structured monetary system. Unlike fiat and crypto, Axio is not speculative—it is engineered for stability, accountability, and real-world utility.

Core Features of the Currency

• Issued as Debt & Fiat
  Axio is created either through fiat onboarding (Phase 1) or through the issuance of fully collateralized loans denominated in Axio (Phase 2 and beyond). This ensures every unit of currency represents either real reserves or productive economic activity.
  
• Fully Backed
  The entire money supply is matched 1:1 by a combination of U.S. dollars and short-term U.S. Treasuries (in the initial phase) and verifiable Axio-denominated loan principal (as lending activities). All surplus value from treasury yield and loan repayments is retained by the Foundation to maintain full reserves, systemic stability, and public trust.
  
• Programmed Expiration
  Axio is automatically retired when used for loan repayment or when redeemed for fiat withdrawals. This ties the money supply directly to productive economic activity and user demand, ensuring that currency in circulation always matches real economic capacity and preventing inflationary over-issuance.
  
• Blockchain Auditability
  All issuances, repayments, and redemptions are recorded on a public blockchain, enabling transparent and independent verification of reserves and full backing—without exposing user data.
  
• Free and Instant Transfers
  Transactions within the Axio system are processed in real time with no fees, enabling frictionless peer-to-peer and commercial payments.
  
• Account-Based Digital Infrastructure
  Axio exists in digital accounts maintained by the Foundation. These accounts support programmable monetary logic, secure identity verification, and interoperability with external payment networks.
  
• Legally Structured and Compliant
  Axio is issued within a legally defined framework, enabling enforceable contracts, dispute resolution, and recognition under existing financial regulations. Its fully reserved, asset-backed structure, combined with transparent fiat onboarding and redemption mechanisms, qualifies Axio as a stablecoin under the U.S. GENIUS Act.
  
• Initial Operations
  During the initial phase, users will be able to fund their Axio accounts using credit or debit cards, ACH, and other supported rails. All fiat contributions are held in U.S. dollars and short-term U.S. Treasuries, ensuring both liquidity and reserve integrity. Axio is issued at a 1:1 rate against these reserves, with real-time transparency provided via a public dashboard. Withdrawals are supported via ACH and other fiat networks, and when redemptions occur, the corresponding Axio is automatically retired—keeping the supply fully aligned with reserves. Loans, credit issuance, and other advanced features will be phased in as the system matures.
  

This structure allows Axio to function as a complete monetary operating system—not just a currency. It includes accounts, transactions, credit issuance, dispute resolution, and full legal infrastructure. Because it is not built for speculation or profit extraction, Axio restores trust and function to money itself.

Features  

From the beginning, Axio was designed to be more than an incremental improvement to existing monetary systems. It is a complete, legally structured, and democratically governed monetary system—built to serve people, support the real economy, and provide benefits that neither fiat currencies nor cryptocurrencies can deliver.

Freedom and Democracy

Unlike Central Bank Digital Currencies (CBDCs), which concentrate control and enable surveillance, Axio is governed by its users. The Axios Foundation is 100% member-owned and operated for public benefit—not for profit. By giving people ownership of the monetary system, Axio enables true financial freedom and democratic accountability.

Common Good

All surplus value generated from Axio operations—whether from Treasury yield or loan repayments—is retained within the system for the benefit of members. This keeps money circulating within the economy and aligns the power of money creation with public service, not private gain. The Foundation incentivizes the active use of Axio rather than passive holding, directly strengthening both the community and the real economy it supports.

Backed by Real Value

Every Axio in circulation is fully backed by reserves: in the initial phase, by U.S. dollars and short-term U.S. Treasuries, and later by verifiable Axio-denominated loans tied to real, productive economic activity. Axio is not supported by speculation, artificial scarcity, or reserves of gold—it is tied directly to the value of work performed in the real economy. This makes Axio not only fully backed, but also auditable, trustworthy, and grounded in tangible value.

Stable by Design

Axio’s design ensures that its value remains stable over time. Because the currency is issued through productive loans or fiat reserves and extinguished upon repayment or redemption, the supply naturally expands and contracts in sync with the economy’s capacity. Surplus reserves further anchor stability, allowing Axio to act as a reliable store of value and medium of exchange—not subject to the volatility of fiat inflation or crypto speculation.

Integrated Payment System

Axio is designed for seamless use in everyday life—whether personal, commercial, online, or offline. The Axios Foundation will support a wide range of payment methods, including mobile payments, ACH bank transfers, and its own Axio card for global fiat compatibility. Where feasible, the system also supports Axio Cash, enabling anonymous peer-to-peer transactions without internet access.

Real-Time Transactions

Axio transactions are settled in real time. The Foundation’s distributed infrastructure ensures immediate processing across accounts, providing faster settlement than banks or blockchain-based systems.

Privacy with Integrity

Unlike cryptocurrencies that expose full transaction histories, Axio protects user privacy. The Foundation does not publish account details or share personal information without permission. Privacy is preserved without sacrificing security or legal accountability.

Transparency and Trust

All financial operations—loans, reserves, expenses, and system surpluses—are recorded on a blockchain for independent verification. This level of transparency ensures that Axio remains fully accountable to the people it serves.

Security

Because Axio is managed within a self-contained, purpose-built system, account security can exceed that of traditional banks. Centralized oversight does not mean centralized control—it means greater safety, faster response, and stronger trust.

Dispute Resolution

True commerce requires legal recourse. Axio supports transaction reversals, court-enforced claims, and smart contract arbitration. This enables Axio to function in serious business environments with the protections expected of a national currency—something no cryptocurrency can offer.