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StableNow · Powered by Heleos01 / 15
StableNow

Who holds the deposits?

As dollars move onto blockchains, the banks that provide the structure keep the deposit relationship. StableNow gives your bank that structure.

A community bank's place in the new monetary system.

For community banks · September 2026

Why now02 / 15

The rules are taking shape now.

Stablecoin regulation has moved from theory to implementation while important market-structure questions are still being resolved.

GENIUS Act

Enacted July 18, 2025

A federal payment-stablecoin framework exists.

  • Permitted issuers
  • At least 1:1 eligible reserve backing
  • Redemption and reserve rules

Implementation and rulemaking continue.

Market structure

CLARITY Act

Did not advance in the Senate procedural vote on September 15, 2026.

  • Broader market structure remains unsettled
  • Third-party rewards remain an evolving issue

Congress and agencies continue developing the framework.

The infrastructure race is starting now.

The partnership03 / 15

One partnership. Multiple competitive advantages.

One StableNow integration gives Your bank access to an expanding financial ecosystem.

StableNow

  • Protect deposits

    USDIO

    • Stablecoin payments
    • Retain deposits inside the bank

  • Differentiate lending

    OS + EquityLayer

    • Blockchain-based rewards
    • Give borrowers another reason to choose Your bank

  • Create banking opportunities

    Tilus

    • Commercial real estate
    • Bring qualified projects and banking relationships to Your bank

  • Expand customer services

    Tokenized Assets

    • Stocks, Treasuries, bonds and future products
    • Create new services and potential fee revenue
Powered by Heleos

One blockchain foundation supporting every opportunity

More reasons for customers to stay. More ways for Your bank to grow.

The emergency · A changing monetary system04 / 15

A dollar can now move without its reserves moving.

Stablecoins separate the transaction layer from the reserve layer.

Transaction layer

Payments circulate

  • USDC
  • USDT
Customer
Merchant
Supplier
Employee

The same $1 claim can keep circulating.

Issuer chooses the reserve relationship

Reserve assets are held through the issuer's selected institutions and arrangements.

Reserve layer

Assets remain in place

$1 ReserveBacking outstanding tokens

Issuer-selected institutions

The issuer determines where reserve deposits are held.

The transaction layer can move 1,000 times. The reserve can sit at an issuer-selected bank.

Illustrative circulation of one issuer's $1 claim. Reserves may move for redemption or portfolio management.

GENIUS Act, enacted text

The Solution05 / 15

Protect the deposits by adding the transaction layer.

StableNow gives your bank a path to offer stablecoin payments now, so customers can transact on the blockchain without moving their deposits or banking relationship somewhere else.

Transaction layer

Payments circulate

USDIO

Your bank + StableNow

Customer
Merchant
Supplier
Employee

Stablecoin payments for your bank customers

Partner with StableNow

StableNow adds the missing infrastructure while your bank keeps the deposit relationship.

Reserve layer

Assets remain in place

$1 ReserveBacking outstanding tokens

Your bank

Your bank anchors the reserve deposit relationship

The transaction layer can move 1,000 times. The reserve can remain at your bank.

Network + rewards06 / 15

One blockchain. Two very different assets.

USDIO handles dollar payments. OS powers participation, staking, and the rewards layer.

USDIO

Payment stablecoin
Designed to maintain $1 value
  • Dollar-denominated holding and payments
  • 100% backed by eligible reserves
  • Engineered for payment stablecoin compliance
  • The transaction layer

Not the Heleos network or rewards token.

OS

Heleos native token
Variable market value
  • Staking and network participation
  • Transaction-fee based staking opportunities
  • Proposed EquityLayer rewards
  • Potential future DeFi utility

Not a dollar deposit, a $1 redemption promise, or reserve backing for USDIO. Designed as a utility token for network participation, staking, and rewards.

USDIO moves dollars. OS powers the network.

OS value and rewards are not guaranteed. Network uses describe the proposed ecosystem.

EquityLayer07 / 15

Add a rewards layer to a normal residential loan.

EquityLayer gives partner banks a differentiated borrower rewards program without changing the underlying mortgage obligation.

  1. 01

    Bank originates

    Your bank originates a normal residential loan using its normal underwriting and servicing framework.

  2. 02

    EquityLayer activates

    The loan is paired with a staked OS rewards layer that can generate network rewards for the borrower.

  3. 03

    Rewards apply

    Eligible rewards, if earned, are sent directly to the customer or customers bank wallet.

Why it matters

  • Differentiated mortgage product
  • Customer acquisition
  • Customer retention
  • Local marketing advantage

The mortgage stays a mortgage. EquityLayer adds the rewards layer.

Rewards are variable and do not replace scheduled payments.

EquityLayer08 / 15

A standard mortgage, plus a rewards layer.

EquityLayer keeps the traditional mortgage intact and adds a separate staked OS rewards layer that can generate network rewards for the borrower.

EquityLayer mortgage

Staked OS rewards layer

Generates network rewards

Traditional mortgage structure

Borrower equity

e.g. 20%

Mortgage balance

e.g. 80%
Lender's secured claim

Standard mortgage

Traditional mortgage structure

Borrower equity

e.g. 20%

Mortgage balance

e.g. 80%
Lender's secured claim

The mortgage stays traditional. EquityLayer adds a rewards engine on top.

Illustrative structure. Rewards are variable, separate from mortgage collateral, and do not replace scheduled payments.

Commercial real estate09 / 15

A traditional commercial real estate investment, plus a rewards layer.

Tilus keeps the traditional investment structure intact and adds a separate staked OS rewards layer that can generate network rewards for investors.

Tilus investment

Staked OS rewards layer

Generates network rewards

Traditional capital stack

Investor equity

e.g. $500,000 (20%)

Senior bank debt

e.g. $2,000,000 (80%)

Property performance

Cash flow + appreciation

Traditional CRE investment

Traditional capital stack

Investor equity

e.g. $500,000 (20%)

Senior bank debt

e.g. $2,000,000 (80%)

Property performance

Cash flow + appreciation

The investment stays traditional. EquityLayer adds a rewards engine on top.

Illustrative structure. Rewards are variable, separate from project collateral and cash flow, and are not guaranteed.

Tilus · Commercial real estate10 / 15

Turn Tilus projects into banking relationships for First Federal.

Tilus brings qualified commercial real estate opportunities to First Federal for independent review and the potential to create valuable new banking relationships.

  1. Tilus projects

    Commercial real estate investment and development

  2. First Federal review

    Independent underwriting and credit decision

  3. Commercial banking relationships

    Commercial loans • Construction loans • Deposits • Operating accounts • Payments

Goal$15,000,000

Target qualified commercial loan opportunities introduced to First Federal

Our goal is to create a recurring pipeline of qualified commercial real estate opportunities for First Federal to review and finance.

Every Tilus project is an opportunity to create a new commercial banking relationship.

Goal, not a guarantee. First Federal independently reviews projects and makes all credit decisions.

What comes next11 / 15

The same architecture can extend beyond dollars.

Tokenized equities are our first priority for expanding the platform beyond dollars, with additional regulated financial assets able to follow the same architecture.

Development target: H2 2027, subject to regulatory and market-structure readiness

Tokenized equity transaction layer

  • Illustrative example
Investor
Investor
Investor

Tokenized securities can move onchain

Tokenization infrastructure

Heleos is designed to support multiple asset denominations.

Underlying security layer

100 Amazon sharesIllustrative underlying holding

Regulated custody partner

Held through regulated custody and securities infrastructure

The token can move onchain while the underlying shares remain in regulated custody.

Founding partnership12 / 15

Become an Early Design Partner.

We are looking for a focused group of community bank partners to help shape the final banking workflows, controls, integrations, and customer experience.

What is built

  • StableNow platform
  • Heleos blockchain infrastructure
  • USDIO architecture
  • OS + EquityLayer
  • Tilus platform

What we build together

  • Bank integration workflows
  • Treasury and reserve operations
  • Compliance and controls
  • Lending workflows
  • Reporting and administration
  • Customer experience

What First Federal gets

  • Early influence over the platform
  • Products shaped around real bank needs
  • Early access to new capabilities
  • Differentiated local offerings
  • Founding partner economics

The core technology is largely built. The last mile should be designed with the banks that will use it.

The opportunity13 / 15

What could this partnership create for First Federal?

Using First Federal's current balance sheet as a starting point, these illustrative cases show how deposit retention, new lending, OS purchase fees, and Tilus commercial loan activity could create annual value.

OpportunityBase caseMid caseGoal case
1Protect and grow deposits

Retain customer balances and attract new deposits.

$5.0MDeposits retained or grown
$115KEstimated annual value
$13.45MDeposits retained or grown
$309KEstimated annual value
$26.9MDeposits retained or grown
$619KEstimated annual value
2Grow mortgage originations

Use EquityLayer to attract borrowers and increase residential mortgage production.

$5.0MIncremental mortgage originations
$162KEstimated mortgage revenue contribution
$15.0MIncremental mortgage originations
$487KEstimated mortgage revenue contribution
$30.0MIncremental mortgage originations
$974KEstimated mortgage revenue contribution
3Earn OS purchase fees

Earn fees on customer OS purchases through First Federal.

$1.0MAnnual OS purchases through First Federal
$50KBank fee income
$5.0MAnnual OS purchases through First Federal
$250KBank fee income
$10.0MAnnual OS purchases through First Federal
$500KBank fee income
4Create Tilus commercial loan opportunities

Bring Tilus projects to First Federal for financing.

$5.0MNew commercial loan balances
$150KEstimated annual interest contribution
$15.0MNew commercial loan balances
$450KEstimated annual interest contribution
$30.0MNew commercial loan balances
$900KEstimated annual interest contribution
Total estimated annual value$477K$1.50M$2.99M

HOW THE ESTIMATES WERE CALCULATED

  1. 1.

    Deposits: Estimated annual value equals deposits retained or grown multiplied by a 2.3 percent estimated annual funding value. This is an illustrative working assumption based on First Federal's current funding economics, not a reported bank metric.

  2. 2.

    Mortgages: Assumes 25 percent of incremental originations are retained and 75 percent are sold. Retained mortgages assume a 3.0 percent annual interest contribution. Sold mortgages use a 3.33 percent industry mortgage production revenue benchmark before production expenses. Mortgage servicing revenue is excluded.

  3. 3.

    OS purchases: First Federal receives 5 percent of customer OS purchase volume as fee revenue. The remaining 95 percent moves to the Heleos operating account at First Federal. Any additional value from those deposited balances is excluded.

  4. 4.

    Tilus loans: Estimated annual value equals new Tilus commercial loan balances multiplied by a 3.0 percent estimated annual interest contribution. This is an illustrative assumption, not First Federal's confirmed commercial loan margin.

Illustrative scenarios, not forecasts. Totals exclude servicing revenue, payment fees, additional operating-account value, future tokenized-asset revenue, and other cross-sell opportunities.

Partnership investment14 / 15

Founding partner economics.

First Federal receives early-design influence, preferred founding economics, and access to the broader StableNow ecosystem.

Implementation

$XX,XXX

One-time integration and launch

Platform partnership

$XX,XXX/ month

Ongoing StableNow platform and infrastructure partnership

Usage economics

XX bps/ agreed usage

Variable economics tied to approved product activity

Included ecosystem

  • USDIO
  • OS + EquityLayer
  • Tilus
  • Future approved modules

Founding partner economics

Early partners receive preferential economics in exchange for helping shape the production banking model.

Designed as a long-term banking partnership, not a single software product.

Pricing placeholders only. Final commercial terms and product availability remain subject to agreement and applicable approvals.

The next step15 / 15

Become StableNow's Early Design Partner in Sheridan County.

Start with a non-binding LOI that gives both teams a framework to design, diligence, and evaluate the partnership together.

  1. 01

    Non-binding LOI

    Document mutual intent to explore the StableNow partnership.

  2. 02

    Reserve Sheridan County

    Reserve First Federal's founding position in Sheridan County during design and diligence.

  3. 03

    Name an executive sponsor

    Identify the First Federal executive responsible for partnership evaluation.

  4. 04

    Begin design work

    Schedule the first working session across treasury, operations, compliance, lending, and technology.

The LOI does not commit First Federal to production launch.

Reserve the opportunity. Design the partnership together.