SafeBank.ai Protocol White Paper
Version 1.2 – October 2025
The Fully Autonomous DeFi Bank for the Real World
💡 Note: For detailed information about the $SBANK token economics, governance, and mechanics, see the Token White Paper.
Executive Summary
SafeBank.ai unifies DeFi, identity, lending, and real-world payments into a single autonomous banking protocol.
Every wallet becomes a smart account, every phone becomes a payment terminal, and every user gains access to AI-driven credit and yield — without exposing private data to humans.
Mission
Build the world's first fully autonomous, compliant, and privacy-preserving digital bank.
Vision
A self-governing banking network where credit, payments, and yield operate entirely on-chain, under user control, with no manual intervention.
The Problem
Traditional banking and existing DeFi solutions face critical limitations:
- Users cannot access credit on-chain without revealing sensitive data
- Banks depend on human underwriters, leading to bias, delays, and privacy risk
- DeFi lacks compliance and real-world liquidity exits
- Merchants cannot bridge crypto to fiat seamlessly
- Privacy and autonomy are mutually exclusive in current systems
The SafeBank Solution
SafeBank builds a hybrid DeFi bank with autonomous credit, identity, and payments.
| Layer | Description |
|---|---|
| Identity & Compliance | KYC/KYB via IDSentric API, issuance of on-chain identity credentials |
| ZKP Lending | CredZK zero-knowledge credit proofs allow lending without document review |
| Banking & Yield | Smart accounts with AI-managed "Bill Buffer" |
| Payments | Tap-to-Pay through Worldpay terminals; future NFC ATM withdrawals |
| Governance | $SBANK token governs yield, fees, and protocol evolution |
Core Products
SafeBank Consumer App
- Smart wallet + account number (ACH/wire)
- Tap-to-Pay via NFC or mobile wallet
- Bill Buffer: AI sets a 90-day liquidity buffer, invests excess in DeFi
- ZKP Credit Access: Prove creditworthiness on-chain using cryptographic attestations
- Optional fiat and check off-ramps
Merchant Accounts
- Verified KYB onboarding
- Smart accounts auto-settle Tap-to-Pay revenue in USDC
- Access to instant credit lines using ZK-verified cash-flow proofs
- Automated statements, yield, and fiat settlements
Tap-to-Pay Network
- Integrated with Worldpay for global NFC acceptance
- Fees transparently shared between SafeBank and Worldpay
- Learn more about Tap-to-Pay
NFC ATM Network
- Any NFC ATM can dispense or accept cash directly from SafeBank wallets
- ISO-8583 bridge verifies on-chain balance before cash delivery
- Card-free, PIN-optional, multi-factor-secured
ZKP Lending System
Goal: Issue and service loans 100% autonomously, preserving user privacy.
How It Works
- User requests credit via SafeBank App
- Financial documents (bank statements, income, credit history) are verified locally and transformed into zero-knowledge proofs using CredZK's prover module
- Only the proofs — not the raw data — are sent to the SafeBank Lending Contract
- Smart contract validates the proof on-chain and determines eligibility
- Loan funds released automatically in USDC
- Repayment managed by the Bill Buffer; collateral or income stream automatically allocated
Key Features
- ✅ No human review of documents — full automation
- ✅ Privacy-preserving lending via ZKP attestations
- ✅ Composable credit credentials: portable across DeFi protocols
- ✅ Auditable yet anonymous: regulators can verify compliance without seeing personal data
Autonomous Banking Layer
SafeBank's long-term architecture aims for complete self-operation:
| Component | Function |
|---|---|
| AI Liquidity Manager | Predicts inflows/outflows and adjusts Bill Buffer yield allocations |
| Smart Credit Underwriter | Consumes ZK-proofs to update credit limits dynamically |
| Compliance Oracle | Monitors AML/sanctions via privacy-preserving feeds |
| DAO Governance | Parameter tuning, treasury, and protocol upgrades |
Users interact with SafeBank as they would a normal bank — yet all actions (identity, lending, yield, cash access) execute autonomously on-chain.
Competitive Advantage
| Feature | SafeBank | Traditional Banks | DeFi Apps |
|---|---|---|---|
| Tap-to-Pay | ✅ | ✅ | ❌ |
| ZKP Lending | ✅ | ❌ | ⚠️ (limited) |
| Bill Buffer Yield | ✅ | ❌ | ✅ |
| Fiat On/Off Ramp | ✅ | ✅ | ⚠️ |
| NFC ATM Withdrawals | ✅ | ⚠️ | ❌ |
| DAO Governance | ✅ | ❌ | ✅ |
| Full Autonomy | ✅ | ❌ | ❌ |
Revenue Model
| Revenue Stream | Description |
|---|---|
| Tap-to-Pay Fees | 0.5–1% split with Worldpay |
| ATM Fees | Governed per region by DAO |
| Yield Spread | Margin on DeFi Bill Buffer strategies |
| Lending Fees | Interest + protocol fee on ZKP credit lines |
| Off-Ramp Fees | 1% on ACH/wires/checks |
Roadmap
| Phase | Date | Milestone | Description |
|---|---|---|---|
| 1 | Q4 2025 | Alpha Network | Merchant + Tap-to-Pay Pilot |
| 2 | Q1 2026 | Beta Launch | Bill Buffer + ZKP Lending Testnet |
| 3 | Q2 2026 | Token Generation | $SBANK Public Sale & Staking |
| 4 | Q3 2026 | Fiat Integration | ACH, Wires, Checks |
| 5 | Q4 2026 | DAO Launch | Governance Activation |
| 6 | 2027 | NFC ATM Launch | Global Tap-to-Cash Rollout |
| 7 | 2028 | Autonomous Banking Layer | AI Credit + Liquidity Automation |
The Future of Banking
SafeBank eliminates manual banking operations:
- Lending decisions validated by cryptography, not people
- Compliance verified autonomously via IDSentric + ZK attestations
- Liquidity and yield optimized by AI agents
- Cash access via Tap-to-Cash ATMs worldwide
SafeBank is the world's first self-driving bank — private, compliant, and on-chain.
Legal & Compliance
- Entity: Delaware C-Corp with regulated subsidiaries
- Trademark: SafeBank (USPTO #99156793)
- KYC/KYB: IDSentric identity verification
- Privacy: CredZK ZKP architecture ensures no document storage
- Token: $SBANK classified as utility asset, not security
Sections
Continue reading for detailed information:
Contact
SafeBank.ai
📍 Delaware, United States
🌐 https://safebank.ai
✉️ info@safebank.ai
Disclaimer
This document is for informational purposes only and does not constitute an offer to sell or solicit any securities. $SBANK is a utility token for participation and governance within the SafeBank ecosystem.