Skip to main content

$TCash – Alternate Currency

What Is $TCash?​

$TCash is Treasurenet’s alternate digital currency—designed to support liquidity, lending, and real-world economic activity. It functions like cash within the network and enables users to borrow, transact, and settle value in a stable yet decentralized way.

Onboarding and Eligibility​

Step 1: Earn REP
To become eligible for borrowing $TCash, users must earn REP by verifying their real-world output on-chain. After completing two successful REP mints, users become eligible to borrow.

Step 2: Stake UNIT
Borrowers must stake $UNIT tokens as collateral. Higher REP scores boost the user’s creditworthiness, allowing access to larger TCash borrowing limits under better terms.

Step 3 (Optional): Acquire TCash via Uniswap

For users who don’t yet meet REP or staking requirements, $TCash is also available for purchase on Uniswap. This enables faster participation in the ecosystem — though without the credit benefits tied to REP.

⚠️ Important Notice: About $TCASH
$TCASH is a utility token issued by Treasurenet and used within its ecosystem—beginning with Otter, the first decentralized application (dApp) built on the protocol. It powers on-chain actions like stream participation, repayments, and activity tracking.

$TCASH is not:
– A stablecoin
– Pegged to fiat or crypto
– Redeemable for any currency
– Intended for trading, resale, or off-platform use

Access to $TCASH is limited to approved users within Treasurenet.
Any unauthorized transfer, resale, or promotion may violate financial regulations. Treasurenet does not support secondary markets and may revoke tokens involved in misuse.

Borrowing and Growth Mechanics​

Borrowing Formula​

Loaned TCash = (Collateral UNIT × UNIT Price × Risk Coefficient) ÷ TCash Price

Borrowing Thresholds​

  • Minimum Borrowing: 0.000000001 TCash
  • New Users: Borrow up to 3x their average unutilized REP from the past 3 months
  • Established Users: With a positive lending history, borrowing limits expand up to 12x

What You Can Do With TCash​

  • Payments: Peer-to-peer transactions and ecosystem dApp settlements
  • DeFi Utility: Access to decentralized borrowing, lending, and liquidity pools
  • Enterprise Integration: Used in B2B contracts, payroll, and supply chain payments

Risk & Supply Management​

Risk Assessment Framework​

  • Personalized Risk Profiles: Based on REP, platform activity, and repayment history
  • Adaptive Risk Coefficients: Adjust automatically from network metrics
  • Oracle Feeds: Ensure up-to-date, fair pricing for all collateral assets

Capital Protection​

  • Early Warnings: Users are notified if collateral nears risk thresholds
  • Top-Up Option: Add more collateral to maintain loan health
  • Liquidation Logic: Enforced with transparent, pre-set rules

Supply Dynamics​

  • Initial Supply: 1,000,000 TCash
  • Dynamic Minting: New tokens are minted only when borrowed, backed by collateral
  • No Hard Cap: Supply adjusts in line with usage and ecosystem growth

Repayment and Loan Management​

  • Flexible Repayment: Users can repay in part or full at any time
  • 365-Day Loan Term: No penalty for repayment within a year
  • Collateral Return: Proportional $UNIT is released upon repayment
  • Real-Time Dashboard: Users can monitor loans, collateral, and liquidation thresholds

Real-World Utility​

  • DeFi Integration: Powers native Treasurenet lending and credit markets
  • Stable Unit of Account: Ideal for contracts, payroll, and invoicing
  • Institutional Readiness: Engineered for both individual users and enterprise applications