LBISLOVE Bank of International Settlements
We are not a competitor to BIS. We are a new view of light in the crypto-banking world — a transparent settlement layer that connects every LOVE fiat stable and every LOVE crypto, today on Stellar, tomorrow on the LOVE Network L1.
Your guide
Taranis
Taranis walks ahead
LBIS guide
“A bank of banks does not need shadows to be powerful. It needs to be useful, honest, and kind. LBIS is plumbing — clear pipes, clean water, and a hand on the shoulder of every flow that passes through.”
Read Taranis's weekly LBIS letterThe settlement map
Hover or tap any node to see how it connects through LBIS. Every line is a real, live rail in the LOVE ecosystem.
Tip: hover Taranis, the fiat twins, Stellar, Solana or the future L1 to highlight live rails.
Four principles of light
Where BIS retreats into committees, LBIS publishes. Where BIS gates, LBIS opens.
Operates in the light
Every reserve, every settlement, every rule is published on a public ledger. No shadows, no closed-door committees.
Radical transparency
Real-time proof-of-reserves, public treasury wallets, open APIs. Anyone can audit, anyone can verify.
Service, not control
LBIS does not rule banks — it carries flows between them. A humble plumbing layer for a regenerative economy.
Closed-loop until $300
Internal LOVE/USDL/EURL transfers stay frictionless under our KYC threshold. Fiat boundary keeps full compliance.
What LBIS connects
Every LOVE-pegged fiat stable, every LOVE token across networks, every internal treasury — one transparent settlement fabric.
LOVE Fiat Family (22 stables)
USDL, EURL + 20 local twins (GBPL, CHFL, JPYL, AEDL …). 1:1 pegged, settled internally via transfer_love.
OpenLOVE Coin — Stellar
Primary L1 home today. Atomic Stellar payments, federation addresses, public DEX.
OpenLOVE Coin — Solana SPL
Bridged via Optical Bridge. Same supply, same proof-of-reserves, two networks.
OpenLOVE Network L1 (end-state)
When the LOVE L1 is live, LBIS migrates as native settlement layer with sub-second finality.
OpenHow settlements flow
Concrete primitives, not white-paper poetry.
Cross-stable settlement
GBPL → USDL → EURL routed through LOVE liquidity, ECB cross-rates from frankfurter.app, executed atomically.
Cross-network LOVE bridge
Stellar ⇄ Solana via Optical Bridge — 0.3% fee, 30% burn, public waitlist & alerts.
Treasury & reserves
Platform, Gratitude and Game Dev Fund treasuries are public addresses. Daily snapshots on /proof-of-reserves.
Compliance & KYC boundary
Closed-loop internal up to $300 lifetime. Fiat on/off-ramp & withdrawals trigger KYC at $150.
From Stellar today to LOVE Network L1
Seven milestones, one direction: a transparent settlement layer that grows from Stellar rails into its own native L1.
Stellar genesis
LOVE issued on Stellar. USDL & EURL minted with 1:1 reserves. Atomic settlement live.
22 fiat twins
GBPL, JPYL, CHFL and 17 more local twins pegged 1:1, settled via transfer_love.
Solana SPL bridge
LOVE on Solana via Optical Bridge. Public proof-of-reserves dashboard goes live.
Multi-chain mesh
Base + Polygon EVM expansion, LOFI fully wired to all 22 fiat twins as collateral.
LBIS audit & charter
External attestation of reserves, public LBIS charter, validator candidate program.
LOVE Network L1 testnet
Native L1 testnet, sub-second finality, validator onboarding, bridge dress-rehearsal.
L1 mainnet & migration
LOVE Network L1 mainnet. Stellar issuance bridges to L1. LBIS becomes the protocol itself.
A humble bow to BIS — and a different path
The Bank for International Settlements has stewarded the plumbing between central banks for over 90 years. Their work on monetary policy coordination, cross-border settlement and financial stability is real, and we read their papers with respect.
But many citizens — including the voices behind the public critique we link below — feel that critical decisions land in committees that are hard to read from the outside. That feeling is honest, and we don't dismiss it.
LBIS is our small, voluntary answer: a settlement layer that lives on a public ledger, governed by veLOVE holders, narrated in plain language by Taranis AI, and accountable to anyone with an internet connection. We are not replacing BIS. We are simply choosing the light.
Six principles of transparent governance
How we run the plumbing without dimming the lights.
Public-by-default
Every reserve, fee, burn and treasury wallet is published. Closed-door deliberation is the exception, not the rule.
Auditable in real-time
Proof-of-reserves snapshots, on-chain ledgers and open APIs let anyone reconstruct the books — not once a year, but right now.
veLOVE governance
Parameters that touch settlement (fees, burn ratios, KYC thresholds) move through public veLOVE proposals with on-chain quorum.
No hidden directors
Operator (Wise World 2012 Ltd, HK) and founder (Miha Štefe) are publicly disclosed. Taranis AI is the visible guide, not a black box.
Open source where it counts
Settlement contracts, oracles and audit scripts live in the public LOVE repos so anyone can fork the receipts.
Plain-language disclosures
No legalese walls. Every rule comes with an EN/SI explainer Taranis can summarize on request.
Read it for yourself
External BIS sources we respect, plus our own open disclosures. Tap a card to preview the key takeaway without leaving this page. No paywalls.
Transparency updates
Every disclosure, snapshot, audit and governance event lands here in real time. Nothing happens off-stage.
Short FAQ
Honest answers to the questions we hear most about proofs, audits and governance.
What we do, what we don't, how to report concerns
Honesty is part of the architecture. Below is the bright line of what LBIS is willing to do, the line we will not cross, the risks you accept by using us, and exactly how to flag a concern.
What we do
- Operate as a closed-loop internal ledger up to $300 lifetime per user
- Trigger KYC at the fiat boundary ($150 on/off-ramp, withdrawals, card)
- Publish proof-of-reserves snapshots and treasury wallet addresses
- Pay users exclusively in crypto (LOVE / USDL / EURL) into LOVE SAFE
- Disclose the operator (Wise World 2012 Ltd, HK) and architecture publicly
- Route governance through veLOVE proposals with on-chain quorum
What we don't
- We do not offer fiat payouts (no SEPA / wire / chargebacks to users)
- We do not custody user keys outside the LOVE SAFE Wallet you control
- We do not provide investment advice — yields are network reward shares
- We do not guarantee fiat-stable pegs against systemic ECB / FX shocks
- We do not run hidden committees or off-ledger settlement
- We do not serve sanctioned jurisdictions or known illicit flows
Known risks you accept
Smart contract risk
Bridges, RPCs and on-chain RPC functions can fail. Mitigated by audits + Optical Bridge multi-chain failover.
Liquidity risk
Thin pairs may slip on large swaps. LOVE Flow DEX MEV protection + dynamic fees throttle the worst cases.
Regulatory risk
MiCA / Clarity Act / Tillis-Alsobrooks evolve. We track them publicly on /legal/yield-disclosure.
How to report a concern
Security bug, suspicious flow, peg deviation, governance misuse, or anything that feels off — choose the fastest channel below. Critical security reports get a same-day response.
See something? Tell us in the light.
Submit with email or fully anonymously. Every report gets a ticket code you can use to track its status.
Track an existing report
Enter your ticket code (e.g. LBIS-AB12-CD34) to see the latest status — works for anonymous reports too.
Connected to the wider LOVE ecosystem
LBIS is the settlement layer — these modules plug directly into it.
Walk into the light with us
Open the wallet, swap a fiat twin, send across networks — and watch every step land on a public ledger you can read.
