Maximize Accessibility

• We will design our systems, naming conventions, and processes to be as intuitive as possible for non-technical end users.

• We will never transfer digital assets to a third party without authoritative or legal recourse for recovery.
• We will provide internal recourse for verified users to recover misplaced or stolen funds, regardless of the amount.
• We will collateralize the Collypto Index exclusively with highly liquid, publicly traded assets that represent purchasing power.
• We will never charge fees to conduct user transactions.

Maintain Transparency

• We will provide users with a current and accurate representation of the collateral composition and equivalent dollar value of a Collypto credit.
• We will publish a monthly Summary of Holdings on the first business day of every month that contains a complete list of our holdings, including the name, ticker, asset pool percentage, and dollar value of each asset.
• We will conduct and publish an annual third party audit through a certified accounting firm to verify our stated holdings and credit compositions.
• We will never employ or retain services from anonymous parties.
• We will never promise a specific rate of return on credits.

Protect the Public Trust

• We will maintain 100% reserves in explicitly defined assets to collateralize circulated credits.
• We will utilize collateral assets  exclusively to collateralize and circulate credits.
• We will never use collateral assets for other operating expenses.
• We will never loan collateral assets to third parties.
• We will never accept kickbacks for selecting specific assets or asset classes for inclusion in the Collypto Index.
• We will never use our blacklist capriciously. It will only contain addresses belonging to users who have violated our terms of service or are sanctioned by government mandate.
• We will never sell users’ private information to third parties
• We will maintain full insurance coverage on the entire asset pool.

• We will never tolerate, condone, support, or partake in terrorism or terrorist organizations.

• We will never assume the role of a government.