# 22. XCP Token

22.1.  Tokenomics

The $XCP token lies at the heart of the PayWithCrypto ecosystem—powering payments, incentivizing platform activity, and enabling decentralized governance. Its design enables seamless alignment between consumers, merchants, investors, and platform operations.

The utility model ensures $XCP is not just a speculative asset—but a real-world, functional currency and incentive tool across multiple touchpoints.

| Token Name               | XCP                                    |
| ------------------------ | -------------------------------------- |
| Token Type               | Utility.  XRP ledger( EVM compatible ) |
| Total Supply             | 10,000,000,000 XCP                     |
| Initial Supply (Phase 1) | 2,000,000,000 XCP                      |

PaywithCrypto will launch its native utility token, $XCP, to power its on-chain reward ecosystem, referral incentives, and advanced functionality. It will fuel long-term engagement and unlock new monetization layers.

22.2  XCP on XRP Ledger

XCP will be launched as a native token on the XRP Ledger (XRPL), leveraging its ultra-fast, low-cost, and energy-efficient infrastructure. By building on XRPL, XCP benefits from near-instant transaction finality, minimal gas fees (fractions of a cent), and seamless interoperability with XRP-native DEXs and future smart contract extensions (Hooks). &#x20;

22.3 Token Utility

| Use Case                 | Description                                                                                                                     |
| ------------------------ | ------------------------------------------------------------------------------------------------------------------------------- |
| Merchant Rewards         | Staking for premium features for merchants, designed to boost visibility, increase retention, and generate new revenue streams. |
| Staking for Discounts    | Merchants stake $XCP to reduce rental fees or unlock premium features                                                           |
| Referral Program         | Users/agents earn $XCP for every merchant onboarded or device sold                                                              |
| Governance Participation | Token holders vote on fee policies, new chain integrations, and roadmap items                                                   |
| DeFi Collateralization   | Use $XCP as collateral in DeFi protocols for POS rentals or merchant loans *(future)*                                           |
| Customers                | Loyalty incentives, future token-based discounts                                                                                |
| POS Agents               | Performance-based rewards in XCP                                                                                                |
| Platform                 | Buyback mechanism from fee revenue for sustainability – 1% before TGE & 2% after TGE                                            |

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22.4  Token Allocation&#x20;

<table data-header-hidden><thead><tr><th valign="bottom"></th><th valign="bottom"></th><th valign="bottom"></th></tr></thead><tbody><tr><td valign="bottom">ROUND</td><td valign="bottom">TOKENS</td><td valign="bottom">SUPPLY</td></tr><tr><td valign="bottom">Seed</td><td valign="bottom">200 M</td><td valign="bottom">10%</td></tr><tr><td valign="bottom">Private Round VC</td><td valign="bottom">200 M</td><td valign="bottom">10%</td></tr><tr><td valign="bottom">Strategic</td><td valign="bottom">50 M</td><td valign="bottom">2.5%</td></tr><tr><td valign="bottom">IDO &#x26; Public</td><td valign="bottom">50 M</td><td valign="bottom">2.5%</td></tr><tr><td valign="bottom">Merchant &#x26; Marketing</td><td valign="bottom">100 M</td><td valign="bottom">5%</td></tr><tr><td valign="bottom">Payfi Ecosystem</td><td valign="bottom">1 B</td><td valign="bottom">50%</td></tr><tr><td valign="bottom">Team &#x26; Advisors</td><td valign="bottom">200M</td><td valign="bottom">10%</td></tr><tr><td valign="bottom">Staking &#x26; Liquidity</td><td valign="bottom">200M</td><td valign="bottom">10%</td></tr><tr><td valign="bottom">Total</td><td valign="bottom">2B</td><td valign="bottom">100%</td></tr></tbody></table>

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22.5 Vesting

| CATEGORY               | TGE | CLIFF   | QUARTERLY RELEASE | TOTAL VESTING |
| ---------------------- | --- | ------- | ----------------- | ------------- |
| SEED ROUND             | 5%  | NONE    | 5%                | 5 YEARS       |
| PRIVATE ROUND          | 5%  | NONE    | 5%                | 5 YEARS       |
| STRATEGIC ROUND        | 5%  | NONE    | 5%                | 5 YEARS       |
| IDO AND PUBLIC         | 10% | NONE    | 10%               | 2.5 YEARS     |
| MERCHANT AND MARKETING | 10% | NONE    | 10%               | 2.5 YEARS     |
| PAYFI ECOSYSTEM        | 10% | NONE    | 10%               | 2.5 YEARS     |
| TEAM AND ADVISORS      | 0%  | 2 YEARS | 10%               | 4.5 YEARS     |
| STAKING AND LIQUIDITY  | 5%  | NONE    | 5%                | 5 YEARS       |

22.6 POS Liquidity\
&#x20;       Fueling a Seamless Crypto-to-Fiat Experience

22.6.1  What is POS Liquidity?

In the PaywithCrypto ecosystem, POS liquidity refers to the immediate availability of funds — whether in crypto or fiat — to settle transactions made via our point-of-sale terminals. When a customer pays in USDT, BTC, or any supported cryptocurrency, merchants must receive equivalent value instantly, either in crypto or their local currency (e.g., THB, IDR, VND).

22.6.2 Maintaining POS liquidity ensures:

●              No delays in crypto-to-fiat conversion

●              Stable exchange rates during real-time transactions

●              Trust and confidence for both merchants and customers

22.6.3 How POS Liquidity Works

1\.    Customer initiates payment via QR code using a supported crypto wallet.

2\.    The crypto is routed through partnered VASPs or OTCs   for instant pricing.

3\.    The system locks the exchange rate, converting the crypto into fiat in real-time.

4\.    Fiat is remitted to the merchant’s bank or e-wallet account — usually within seconds.

To ensure this process is always instant and seamless, a dedicated liquidity pool must be maintained to:

●        Handle transaction volume surges

●        Support different stablecoin pairs

●        Allow merchant withdrawals or conversions on demand

22.6.4 Liquidity Backed by Platform Revenue

PaywithCrypto introduces a self-sustaining liquidity loop, where the platform:

●        Allocates 1% of all transaction fee revenue toward buying XCP tokens

●        Uses these tokens to provide liquidity on decentralized exchanges (DEX)

●        Creates market depth for token-based utilities like staking, merchant rewards, and cashback

&#x20;     Additionally, liquidity for fiat settlement is supported by:

●        Partnered OTC desks with licensed banking relationships

●        Real-time conversion float accounts funded by revenue and treasury allocation

●        Stablecoin reserves from $XCP’s operational treasury

22.6.5 Strategic Liquidity Goals

| Objective                         | Approach                                     |
| --------------------------------- | -------------------------------------------- |
| Instant crypto-to-fiat settlement | Partnered OTC and fiat rails                 |
| Healthy XCP token liquidity       | Treasury-backed buybacks + DEX provisioning  |
| Low-slippage transactions         | Multi-pair stablecoin pools on XRPL          |
| Long-term liquidity growth        | Revenue-based token purchase & staking pools |

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22.6.6 Circular Economy in Action

The POS liquidity model creates a sustainable flywheel:

More Transactions → More Fees → More Buybacks → More Liquidity → Better User Experience → More Adoption

This liquidity-first design is what makes PaywithCrypto not just functional, but frictionless — transforming everyday crypto payments into a reliable, merchant-friendly experience.

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22.7 Merchants: Premium Services via XCP Staking

To unlock advanced functionalities, merchants are required to purchase and stake XCP tokens. This staking mechanism ensures that only committed users gain access to high-value tools while reinforcing the utility of the token within the ecosystem. &#x20;

Premium Services Include:

●        AI-Driven Marketing Campaigns\
Launch targeted promotions based on customer behavior, time-of-day trends, and local events.

●        Customer Loyalty & Rewards Systems\
Create point-based or NFT-based loyalty programs, incentivizing repeat purchases and stronger brand engagement.

●        Custom Promotions & Discount Engines\
Set dynamic discounts, flash deals, and referral bonuses — all powered by XCP incentives.

These premium features empower merchants to attract more customers, boost transaction volume, and generate additional income, turning every crypto transaction into a business growth opportunity.

#### 22.8 Staking

XCP staking serves as a core mechanism for incentivizing long-term ecosystem participation. Token holders can stake XCP to earn rewards, access premium features, and unlock governance privileges. Staking pools may also power liquidity provisioning, merchant discounts, and loyalty tiers — encouraging network stability and user retention.

22.9  Marketing

This allocation is dedicated to fueling awareness, adoption, and global outreach. XCP tokens will be used for influencer partnerships, community campaigns, merchant referral programs, event sponsorships, airdrops, and onboarding incentives. The goal is to rapidly expand both merchant and user bases across priority markets.

22.10  Team & Advisors&#x20;

Allocated to reward and retain the core team, advisors, and early contributors who are building the foundation of the PaywithCrypto ecosystem. Tokens will be subject to a long-term vesting schedule to ensure alignment with project milestones and long-term success.
