01
Direct access to the charitable pool
Applications to the GX 125 billion charitable pool are governance-reviewed, not bank-gated. Approved draws are minted on-chain to your organisational wallet.
For Non-Profits
Interest-free capital for charitable missions
The protocol allocates from a GX 125B charitable pool and extends principal-only financing to registered non-profits. Impact is measured in outcomes, not interest payments.
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GX 0BCharitable poolFixed protocol allocation for social impact
0%Velocity refundOf velocity collections flow to charitable pool
0%InterestAll non-profit lending is principal-only
0 yrForgivenessHalf-principal forgiveness on good-faith program failure
01
Clause 01
Organisational eligibility
A non-profit is recognised in the protocol when its human leadership is identity-verified and its charitable mission is legally documented. Organisational eligibility is a cryptographic identity fact, not a marketing claim.
Verified stewardship
All officers, board members, and financial signatories must be registered GX participants with KYC and biometric verification.
Documented mission
Legal charter, tax-exempt status, and bylaws are submitted and cross-checked against jurisdictional registries.
Dual-guarantor treasury
Treasury movements require approval from two verified individuals. The protocol enforces this at the ledger level.
Trust-score entry
Organisations with three or more years of audited operations enter at Trust Score 75 or above, unlocking larger loan bands at extended terms.
02
Clause 02
What the protocol guarantees you
Seven guarantees provided by the protocol to every registered non-profit. Each is a rule defined in the specification, not a promise by any party.
02
Principal-only business loans
Programmes with earned-income components can borrow from the loan pool at zero interest. Repayment is proportional to programme revenue, not calendar-scheduled.
03
Good-faith forgiveness clause
If a programme fails after documented genuine effort, half of the outstanding principal is forgiven at ten years. The remaining half is retained on the ledger as a record of what was attempted.
04
Velocity refund flow
Thirty percent of every velocity mechanism collection across the protocol returns to the charitable pool. Capital is replenished as the economy circulates.
05
Identity-based recovery
Loss of a device does not lose treasury access. Recovery runs through re-verification of the two registered signatories, not a seed phrase.
06
Zero data monetisation
Donor patterns, beneficiary records, and programme data are never profiled, sold, or disclosed. Known to the protocol, nowhere else.
07
Sanction-proof settlement
Cross-border programme payments settle on the protocol directly. No correspondent banking, no jurisdictional chokepoint, no extractive intermediary.
03
Clause 03
Capital and repayment
Repayment is proportional to programme success. Below the charitable-pool threshold it is zero. In the loan pool it is a profit share, not a fixed schedule.
Charitable pool draws
GX 125 billion reserved pool. Governance-reviewed. Direct on-chain mint to the organisational wallet. No repayment required for relief allocations.
Loan pool terms
Principal-only lending with profit-share between organisation, partner FSP, and protocol. Payments suspended in loss years. No interest accrues during suspension.
Forgiveness at ten years
Half-principal forgiveness triggers when documented good-faith operation has not produced profitable repayment within ten years. Codified in protocol.
In practice
Three programmes. Three ways this matters.
Concrete scenarios drawn from the agricultural, clinical, and housing programmes the protocol is designed for. The figures are the figures.
Lagos
The agricultural cooperative
GX 5.4M to 18,000 smallholders, zero interest, 85 percent repayment in year one.
A Lagos-based cooperative had been denied commercial banking for twelve years. On the protocol they accessed GX 5.4 million from the loan pool at zero interest, distributed GX 300 per farmer for inputs and storage, and closed year one with 85 percent repayment. The remaining 15 percent moved to calendar-flexible payment plans.
GX 5.4M
deployed to 18,000 farmers
Nairobi
The clinic network
GX 750K from the charitable pool opened twelve clinics serving 45,000 patients.
A non-profit clinic operator drew GX 750,000 from the charitable pool to open satellite clinics in underserved settlements. After three years the network served 45,000 patients annually. Operational surplus held above GX 100 for more than 360 days contributes to the velocity pool, of which 30 percent returns to the charitable pool as renewed capital.
45,000
patients served annually
Istanbul
The housing cooperative
GX 2.1M profit-share loan built 240 homes, repaid early at 7.5 years.
A housing cooperative for displaced families accessed GX 2.1 million at zero interest, with repayment tied to rent collected from occupants. Rent split was sixty percent to the loan pool, forty percent retained. Early repayment at seven and a half years unlocked a second construction phase.
240
families housed
Protocol invariants
What cannot change.
Three parameters are hardcoded at protocol genesis. No governance vote, no protocol upgrade, no stewardship decision can alter them.
Charitable pool
GX 125B
Reserved exclusively for charitable allocation. Cannot be redirected to participants, businesses, governments, or protocol operations.
Interest
0.00%
All non-profit lending is principal-only. No business case, no partner preference, no governance decision can introduce interest.
Velocity refund
30% always
Thirty percent of every velocity collection returns to the charitable pool. Proportion is codified and non-discretionary.