Cuandeoro Protocol

1. Executive Summary

Cuandeoro Ltd. is a financial technology (Fintech) company headquartered in Dublin, dedicated to modernising capital flows in the Prime Assets market.

Our mission is to resolve the structural inefficiency of high-volume international Zahlungs. Whilst the digital economy operates in real-time, the Abwicklung of luxury real estate and yachts remains dependent on the SWIFT banking network, an obsolete system characterised by latency (T+5 days), opacity of costs, and a lack of 24/7 availability.

The Cuandeoro Protocol is not a bank, but an advanced technological infrastructure layer. We utilise the utilities of the Stellar network to enable Zahlung Abwicklung in regulated stablecoins with irreversible finality in 3-5 seconds

2. Problem Statement: Banking Friction

In the luxury Immobilien sector and the nautical industry, transactions routinely exceed one million euros. In this segment, the traditional system presents critical failures:

• Abwicklung Risiko: The transfer of international funds via correspondent banks can delay up to a week
• Capital Erosion: Foreign exchange spreads (FX Spreads) and chain commissions can cost the investor between 2% and 4% of the asset's value. On a €20M yacht, this represents up to €800,000 in "invisible" costs.
• Time Incompatibility: The global luxury market operates 24/7, but banking closes on weekends and holidays, blocking urgent deal closures or Zahlungs for vital port services.

3. Technological Solution: Tokenless Infrastructure

Cuandeoro differentiates itself from the speculative "crypto" ecosystem through a sober and functional architecture. We do not issue a proprietary token. Our platform uses the rails of the Stellar network to transport real value (Tokenised Fiat).

3.1. Non-Custodial Architecture

• The Principle: Cuandeoro provides the software, but never takes possession of client funds on its balance sheet.
• The Flow: Money travels directly from the investor's wallet to the smart contract or the seller.
• The Advantage: We eliminate "Counterparty Risiko". Should Cuandeoro Ltd. cease operations, user funds would remain unaffected, as they are always under their personal and exclusive cryptographic control.

3.2. Path Zahlungs (Atomic Conversion)

We utilise Stellar’s native functionality for frictionless currency conversion.

1. The client sends USDC (Digital Dollar).
2. The network finds the best exchange route on the integrated DEX.
3. The seller receives EURC (Digital Euro) in the same mathematical transaction.

Result: Institutional exchange rates without the abusive margins of private banking.

3.3. Soroban Smart Escrows (Digital Trusts)

• Programmable fund locking.
• Release conditioned upon digital signatures (Notaries, Registrars, Harbour Masters).
• Automatic and immediate return if the operation is not perfected.

4. Revenue Model

Cuandeoro Ltd. operates under a SaaS and transactional revenue model, highly scalable and auditable, designed to offer sustainable returns without relying on asset speculation.

• Service Fee (Processing Commission): We charge a flat fee (e.g., 0.5%) on the total volume processed. This cost is transparent and known in advance, eliminating banking uncertainty.
• FX Spread (Exchange Margin): We obtain a micro-margin on currency conversion thanks to the efficiency of Stellar’s liquidity providers, still offering a better price than the banking spot market.
• B2B Licensing (White Label): Recurring revenue from licensing Cuandeoro technology (API and Dashboard) to large real estate firms and marina managers wishing to integrate digital collections under their own brand.

5. Regulatory Framework and Strategic Alignment (Grant Focus)

This section details our suitability to operate in the EU and access public funding (Enterprise Ireland / Horizon Europe).

5.1. Regulatory Compliance

• Non-Custodial SaaS Model: Cuandeoro Ltd. operates as a SaaS (Software as a Service) platform without custody of funds, private keys or third-party deposits. Commissions are executed automatically via smart contracts on the Stellar network, ensuring Transparenz and traceability without manual intervention.
• MiCA Alignment: We operate exclusively with E-Money Tokens (EMTs) authorised under the European MiCA regulation, ensuring that every digital euro on the platform has 1:1 backing in segregated accounts.
• Digital Identity (SEP-0012): We integrate strict KYC (Know Your Customer) protocols

5.2. EU Innovation Objectives

• SME Digitalisation: We provide advanced digital tools to local real estate agencies and ports, modernising their treasury management and competitiveness.
• Investment Promotion (FDI): We eliminate technological barriers for foreign capital entry into the Eurozone.
• Sustainability: The Stellar network is energy efficient (Carbon Neutral), aligning with the EU's green objectives compared to the energy consumption of physical banking infrastructure.