Litepaper

Unbreakable Finance builds sovereign-grade financial infrastructure that turns conservatively certified, unmined gold into a programmable, bankable reserve asset. Instead of decades-long extraction cycles, external hard-currency debt, and environmentally destructive mining, we propose a new path: use advanced subsurface sensing to characterise gold-bearing structures, apply extreme discounts aligned with geological reporting standards, and tokenize only a fraction of that value into NBRK — a gold-linked digital instrument designed for sovereign liquidity and citizen use.

NBRK is issued only against discounted unmined and certified gold reserves (after a 90% geological risk discount) and a segregated liquid buffer of cash or gold-linked instruments. This structure is designed to be compatible with Asset-Referenced Token (ART) concepts under MiCA: fully backed, segregated reserves and transparent governance.

Stablecoins have rapidly become core infrastructure for global crypto and cross-border payments. Estimated annual transaction volumes reached approximately USD 33 trillion in 2025, with total market capitalisation projected to exceed USD 220 billion in 2026, and potentially USD 700 billion by 2034. However, commodity-backed stablecoins remain a niche segment on the order of USD 100–150 million in market cap, leaving large unserved demand for hard-asset-anchored digital instruments.

Many emerging markets face high external debt burdens while sitting on vast but undeveloped mineral resources. Sub-Saharan African countries collectively hold an estimated USD 29.5 trillion in mine-site mineral value, with at least USD 8.6 trillion deemed effectively stranded under current models.

Our vision: enable nations to regain economic control by transforming conservatively certified, unmined gold into a transparent, programmable reserve asset — without extraction.

For sovereigns, NBRK enables: sovereign liquidity without extraction (issue against deeply discounted unmined gold and a liquid reserve buffer); macroeconomic stabilisation (gold-linked instrument for domestic refinancing, FX stabilisation, and trade settlement); and ESG-aligned monetisation (mobilise natural wealth without new pits, tailings, or displacement).

For markets and citizens, NBRK provides digital gold exposure composable in DeFi and local payment rails, with transparent reserve backing tied to scientific, legal, and audit data.

Unbreakable Finance operates across three integrated layers:

1. Scientific Layer — advanced subsurface sensing generates depth-resolved images and signatures of potential gold-bearing structures.

2. Certification & Data Layer — scientific outputs are combined with geological review, legal designations, and independent audits to produce conservative reserve attestations.

3. Protocol & Asset Layer — smart contracts represent each reserve as a Reserve Position, enforce risk discounts and over-collateralisation, and manage NBRK issuance, redemption, and treasury operations.

The Scientific Layer uses advanced radar-based subsurface sensing (Harmonic SAR / MFT-CTAC-type physics) to infer the structure and material characteristics of the subsurface without drilling.

Critical outputs include: Location (GPS bounds and depth intervals); Estimated gold content (probabilistic tonnage and grade estimates mapped to confidence categories analogous to JORC); Uncertainty metrics (confidence scores, variance ranges, and cross-validation); and Metadata (acquisition date, instrument configuration, and operator identity).

The raw science is encapsulated into standardised reserve packages not exposed directly to end users.

Unbreakable Finance hard-codes JORC-style conservatism. Given a scientific estimate Qest ounces, the protocol applies a fixed 90% geological risk discount:

Eligible Gold Ounces (EGO) = 0.10 × Qest

Intuitively: 9 oz of unmined gold → 1 oz of eligible backing. This discount is deliberately severe — designed to withstand negative revisions in geological models while preserving full backing at all times.

Each approved deposit becomes a Reserve Position with an off-chain dossier (scientific reports, geological review, legal designation, audit opinions) and an on-chain record (unique ID, GPS bounds, depth ranges, EGO, sovereign tag, and status).

The protocol calculates total reserve value as Vreserve = VEGO + Bbuffer, where VEGO is the sum of all eligible gold ounces multiplied by spot gold price via robust oracle, and Bbuffer is the liquid buffer (cash, T-bills, gold ETFs).

The protocol enforces Vreserve ≥ λ × SNBRK, where λ ≥ 1 is an over-collateralisation factor (e.g., 1.10 for a 10% buffer).

Dedicated oracles feed gold spot price and FX rates, reserve events (new scans, re-estimates, downgrades, extraction events), and periodic audit attestations. Extraction events reduce EGO and trigger proportional NBRK burns or re-collateralisation.

NBRK is a gold-linked digital asset designed to track the economic value of a unit of gold (e.g., 1 gram or 1/1000 oz) over time, be fully backed by Vreserve with conservative discounts and buffers, and be usable by sovereigns, institutions, and individuals as a programmable reserve instrument.

Example: a country with 1,000,000 oz scientific estimate, after 90% discount, yields 100,000 EGO. At a gold spot price of USD 4,800/oz, that's USD 480M in eligible gold value. Combined with a USD 120M liquid buffer and 10% over-collateralisation, NBRK supply is capped at approximately 545,454,545 NBRK — always at least 110% backed after the 90% geological discount.

Debt restructuring: a sovereign certifies Reserve Positions, obtains authorisation to issue NBRK, then uses NBRK in negotiated exchanges with creditors — swapping hard-currency bonds for NBRK-linked instruments, giving creditors gold-anchored exposure rather than pure fiscal risk.

Domestic financial inclusion: NBRK distributed through local banks, mobile money, or wallets as a gold-linked savings instrument, a remittance medium, or a building block for simple DeFi products.

FX stabilisation and trade: central banks can deploy NBRK in interventions, reserve diversification strategies, or bilateral trade settlement with partners willing to hold gold-linked exposure.

Revenue model: - Management fees of 0.5–1% per year on average outstanding NBRK supply per sovereign pool - Validation and oracle fees for scientific updates, audits, and secure data integration - Yield on liquid buffers within strict risk constraints

Example: with SNBRK = 500,000,000 and annual fee f = 1%, annual revenue = USD 5,000,000. A fraction of fees can be re-routed into the over-collateralisation buffer, increasing system resilience over time.

Governance can follow a single-token design (NBRK with embedded governance rights) or a dual-token design (separate governance token controlling discount factors, buffer ratios, and fee ranges).

Unbreakable Finance combines on-chain governance (parameter changes, risk settings, oracle sets, upgrades) with off-chain governance (legal entities responsible for reserve management, regulatory relations, audits, and sovereign counterparties).

Key principles: ring-fencing by country (each sovereign pool accounted for independently) and public metrics (backing ratios, reserve compositions, and audit status visible to all).

The protocol is designed to align with MiCA ART logic: full backing & segregation, clear custody and control documentation, public disclosure of whitepapers, reserve policies and redemption rules, and periodic reserve audits with continuous on-chain attestations.

Phase 1 — Design & Simulation (0–6 months): Finalise system architecture, math, and risk parameters. Build simulation tools to stress-test NBRK under different gold price and sovereign scenarios.

Phase 2 — Pilot-Ready Infrastructure (6–18 months): Implement core smart contracts (Reserve Positions, NBRK, treasury module). Integrate initial oracle infrastructure and off-chain data pipeline. Engage with first sovereign partners at MoU / pilot level.

Phase 3 — First Sovereign Deployment (18–30 months): Certify initial Reserve Positions with full scientific and legal documentation. Launch a limited NBRK pilot with strict caps and monitoring. Collect data, refine parameters, and demonstrate regulatory compatibility.

Phase 4 — Scaling & Network Effects (30+ months): Expand to additional sovereigns, integrate with global FX desks and compliant DeFi venues. Evaluate extensions to other mineral-linked pools under equally conservative frameworks.

Unbreakable Finance proposes a new category of financial infrastructure: a gold-linked digital asset (NBRK) backed by conservatively discounted unmined gold and liquid buffers; a sovereign liquidity instrument that enables countries to mobilise natural wealth without immediate extraction; and a transparent, programmable system designed to be compatible with emerging regulatory frameworks for asset-referenced tokens.

By combining advanced subsurface sensing, JORC-style conservatism, robust oracles, and compliant treasury management, Unbreakable Finance offers a credible path for emerging and advanced economies alike to reclaim financial sovereignty — on their own terms, anchored in the value beneath their feet, but without breaking the ground.