Phase 3 · Community Sovereign Finance

The People's
Bank

Organize community capital. Vote on local investments. Build generational wealth for your entire neighborhood — without banks, private equity, or for-profit developers.

"A garbage man onboards his entire neighborhood, becomes their community bank manager, organizes their collective capital, approves local investments, and builds generational wealth for people who never had a seat at the table. That's what SovEarn enables."

— The SovEarn Vision

What You Can Do
Sovereign Financial Tools
◈
Become a Community Banker
Create your own community, onboard members, and earn SVE commissions on every action your network takes. Your referral code is your franchise.
⊕
Pool Capital, Vote on Investments
Communities pool SVE together and vote democratically on local projects — housing, small business, infrastructure. The fund flows directly, no intermediaries.
⬡
Earn on Your Deposits
Deposit SVE into the community lending pool at 5% APY. Your capital activates local projects — not a bank, a community engine. Withdraw anytime with 7-day notice.
◆
Borrow Against Assets
Request community-approved loans in SVE. Post SVE or future gold NFT as collateral. No credit check — your KYC identity and staked SVE is your credit score.
⟡
Cross-Border Payments
Send value anywhere in the world via XRP rails in 3-5 seconds at near-zero cost. No wire transfers. No Western Union fees. Your community sends value, not fees.
◉
Fiat On-Ramp
Cash → XRP → SVE. Anyone with a smartphone and government ID can enter the ecosystem with fiat currency. No crypto knowledge required to get started.
Community Banker Program
Become the Bank
How It Works
Your referral code.
Your community.

Any KYC-verified holder can become a community organizer. You get a unique referral code, a community portal, and SVE commissions on every action your network takes.

1
Complete KYC verification and create your community with a name and region
2
Share your referral code — every member who joins earns you 100 SVE commission
3
Your community pools SVE and votes on local investment projects together
4
Approved projects receive funding directly from the sovereign pool — no banks
5
You earn commission on every ecosystem transaction your community makes
Commission Structure
SVE flows to
the organizer.

Every action your community takes generates SVE commissions. The more active your community, the more you earn — forever.

New member joins 100 SVE
Member completes KYC 50 SVE
Member enters raffle 25 SVE
Member deposits to pool 1% of deposit
Project funded by community 500 SVE
Sovereign Liquidity Pool
Community Capital
Total Pooled
—
SVE
Active Loans
—
pending + active
Deposit APY
5%
per year
Communities
—
active
Financial Products
Tools for Everyone
Earn Yield
Community Pool Deposit
5% APY
Deposit SVE into the community lending pool at 5% APY. Your capital activates local projects — not a bank, a community engine. Withdraw anytime with 7-day notice.
Min100 SVE
TermFlexible
CurrencySVE
Borrow
Community Micro Loan
8.5% APY
Request a community-approved loan in SVE. Stake 2x collateral, state your purpose, and the community votes within 48 hours. No credit check needed.
Min1,000 SVE
Term30-365 days
Collateral2x SVE stake
Community
Start a Community
100 SVE
Create your own community portal. Onboard members from your neighborhood, workplace, or network. Earn SVE commissions on everything they do.
KYCRequired
CostFree
CommissionPer referral
Join
Join a Community
Free
Have a referral code from a community banker? Enter it here to join their community and gain access to pooled capital, voting rights, and collective wealth tools.
KYCRequired
ReferralNeeded
BenefitPool access
⚠ KYC Required
All community finance features require identity verification. Complete KYC in your dashboard →
Your SVE will be added to the community lending pool. Funds are used for community-approved loans. Earn 5% APY. 7-day withdrawal notice required.
Requires 2x SVE staked as collateral. Rate: 8.5% APY. Community votes approve within 48 hours. This builds your on-chain credit history.
Fiat On-Ramp
Cash → SVE in 4 Steps

No crypto experience needed. Anyone with a smartphone and government ID can convert cash into SVE and participate in the sovereign ecosystem.

1
Get a Wallet
Create your SovEarn wallet at sovearn.io/ecosystem — free, takes 2 minutes
2
Complete KYC
Verify your identity — government ID and selfie. Takes under 3 minutes
3
Buy XRP
Use Uphold, Coinbase, or any exchange. Buy XRP with your debit card or bank transfer
4
Get SVE
Swap XRP for SVE on the SovEarn AMM — instant, on-chain, no intermediary
"We are not building a product. We are building a sovereign financial operating system — for everyone who was told the door was closed."
SovEarn · sovearn.io · sovearn.xrp