We're building the protocol layer that moves value between all financial systems

Example: Send corporate stablecoin → USDC → Receive Native Solana. Instant. Atomic.

View on GitHub
The Challenge

Financial infrastructure is trapped in pre-internet fragmentation

Every financial system operates as an isolated network — unable to communicate natively with others

For Institutions

Each integration requires custom bridges, separate liquidity pools, and ongoing maintenance. Building 10 connections means 10x the cost and risk.

N systems = N² integration complexity

For the Ecosystem

Liquidity is fragmented across hundreds of chains and systems. Capital efficiency approaches zero.

Current State

Ethereum, Bitcoin, Solana, Banks, Visa — each with point-to-point bridges to some (but not all) others.

Our Solution

vTCP: A dedicated L2 network for universal value transfer

The vTCP Protocol

  • • Protocol-agnostic: handles any digitized asset and L1 protocols
  • • High-performance settlement network where value moves instantly
  • • Atomic multi-hop L1↔L1 transfers, exchanges, automatic routing

Gateway Infrastructure

  • • Provides liquidity for transactions across L1 networks (BTC, ETH, USDC, fiat)
  • • Capital efficiency: liquidity works in any direction
  • • Gateway consensus eliminates single points of failure

The Financial Internet

  • • Financial transmission network instead of fragmented N² bridges
  • • Smart contract-powered cross-chain transactions
  • • Same architecture as the Internet built on TCP/IP

Connect to Any Network

Bitcoin, Ethereum, Solana, banks, new chains

Digitize Any Asset

Standard protocol for asset representation

Quantum-Safe

SPHINCS+ post-quantum signatures

The L2 Network

Lightning-like state channel network

  • • Settlement lines (bilateral state channels)
  • • Multi-hop routing with atomic transfers
  • • Instant finality, no global consensus needed

Dedicated Gateways

One gateway per external network

  • • 64-512 validators per gateway, 75%+1 quorum
  • • Multi-sig custody via FROST + Taproot
  • • Proof-of-Reserve audits every 2 hours

Security

Quantum-resistant, non-custodial

  • • SPHINCS+ signatures (OpenSSL 3.7+)
  • • TCP + libp2p Noise encryption
  • • Non-cooperative exit guarantee (72h)
Component Property Value
L2 Network Architecture State channels (Lightning-like)
Routing Multi-hop atomic transfers
Finality Instant (no global consensus)
Gateways Validator Set 64-512 participants per gateway
Quorum 75% + 1 (M-of-N)
Custody FROST + Taproot multisig
L1 Confirmations 6 blocks (BTC)
Cryptography Signatures SPHINCS+ SHA2-256s (quantum-safe)
Signature Size ~30KB
Transport TCP + libp2p Noise encryption

Protocol Specifications

Explore the technical architecture on GitHub

BTC Custody Protocol Gateway Consensus
Flows

Supported Operations

Cross-chain Transfer

U1 → L1 Gateway → vTCP Network → Target Gateway → U2

Total: 2 L1 operations and routing through vTCP

Cross-chain Exchange

[Token A] → L1 → vTCP Exchange → Target L1 → [Token B]

vTCP performs the exchange on the flight. Same efficiency as transfer.

Smart Contract Transfers

SC1 (Source L1) → vTCP → SC2 (Target L1)

Transfer and exchange operations can be initialized by and targeted to smart contracts — enabling payments automation.

Market Opportunity

$194.6 Trillion Opportunity

~$4.9T
Total Addressable Market

Total payment fees cost (2024), growing to ~$8T by 2032 (6.2% CAGR)

~$1.1-1.6T
Serviceable Addressable Market

Near-term addressable (2026-2032) in high-friction corridors

~$55B
Serviceable Obtainable Market

Fees volume by 2032 with 5% market share

Pain points: 6.4% avg fees, 1-3 day settlement, $54B in unnecessary costs annually

Timing

The Next 2-3 Years Are a Generational Window

Five forces converging simultaneously

1. Regulatory Clarity

  • • MiCA live in EU (June 2024)
  • • US GENIUS Act enacted (July 2025)
  • • Singapore, Hong Kong, UAE frameworks active
  • • "Regulation by enforcement" era ended

2. Stablecoin Explosion

  • • $307B market cap (+$100B in 10 months)
  • • $27.6T volume (surpassed Visa + Mastercard)
  • • 53% YoY user growth (30M active wallets)
  • • Industry consensus: $2-4T by 2030

3. Bridge Crisis

  • • $2B+ annual losses from bridge hacks
  • • 69% of all crypto theft in 2022
  • • Vitalik: "Fundamental security limits of bridges"
  • • Market needs superior solutions

4. Institutional Deployment

  • • BlackRock BUIDL: $2.5B tokenized Treasuries
  • • Stripe: $1.1B Bridge acquisition
  • • JPMorgan Kinexys: $2B daily volume
  • • 9-bank European consortium launching stablecoins

vTCP's Timing Advantage

  • ✓ Regulatory green light just turned on
  • ✓ Market proven ($35.5B RWA + $307B stablecoins)
  • ✓ Existing solutions architecturally broken
  • ✓ Institutions deploying capital at scale NOW

"We live in a digital world, but we still largely operate on financial infrastructure that is at least five decades old. This upgrade is much needed."

— Umar Farooq, CEO JPMorgan Kinexys

"Stablecoins are room-temperature superconductors for financial services."

— Patrick Collison, CEO Stripe

"Every stock, every bond, every fund—every asset—can be tokenized. If they are, it will revolutionize investing. Markets wouldn't need to close. Transactions that currently take days would clear in seconds."

— Larry Fink, CEO BlackRock
Competitive Landscape

Everyone builds bridges or blockchains. We build the protocol beneath them.

Ripple

Type
Payment network
Own Blockchain
Yes (RPCA)
Native Token
XRP
Atomic Transfers
✓
Multi-Asset
✓
Liquidity Model
DEX with AMMs
Decentralization
Low

LayerZero

Type
Omnichain messaging
Own Blockchain
No
Native Token
ZRO
Atomic Transfers
✗
Multi-Asset
✓
Liquidity Model
External (fragmented)
Decentralization
High

Axelar

Type
Interchain network
Own Blockchain
Yes (PoS)
Native Token
AXL
Atomic Transfers
✗
Multi-Asset
✓
Liquidity Model
Gateway pools
Decentralization
Medium (75+ validators)

Wormhole

Type
Bridge protocol
Own Blockchain
No
Native Token
W
Atomic Transfers
✓
Multi-Asset
✓
Liquidity Model
NTT (no pools)
Decentralization
Low (19 validators)

Chainlink CCIP

Type
Cross-chain protocol
Own Blockchain
No
Native Token
LINK
Atomic Transfers
✓
Multi-Asset
✓
Liquidity Model
Burn-and-mint
Decentralization
High (DONs)

vTCP

Type
Settlement L2
Own Blockchain
HotStuff consensus
Native Token
None
Atomic Transfers
✓
Multi-Asset
✓
Liquidity Model
Network-wide unified pool
Decentralization
High (512 validators/gateway)

Key differentiator: vTCP is the only solution with no native token requirement, unified network-wide liquidity, and high decentralization (up to 512 validators per gateway).

Business Model

Like routers and ISPs in the early Internet

vTCP grows through node operators and gateways. We sell infrastructure, not tokens.

vTCP Foundation Revenue

Gateways & Node Sales

Licenses/auctions for operating nodes

SLA Revenue

Guaranteed service levels for enterprise clients

Node Operators Revenue

Transaction Fees

Minimal fees on inter-gateway transfers

On/Off-Ramp Fees

Commissions for L1 ↔ vTCP operations

Future: Treasuries Income

Yield on idle capital in gateway pools

Key Economics

Low operational cost, compounding volume growth. Margin scales with network effects.

Go-To-Market

Network-Driven Growth

Build the backbone by onboarding federations and L1 integrations — create liquidity routes, not users.

1

Bootstrap Gateway Network

Months 1-6

  • • Launch gateway node sales to professional operators
  • • Target: 30×4 gateway nodes (ETH, BTC, SOL, Polygon)
  • • Value prop: Earn fees by providing cross-chain liquidity
2

Developer Adoption

Months 6-18

  • • Open-source SDK for wallets and dApps
  • • Target DeFi protocols needing cross-chain
  • • Enable any dApp to become omnichain
3

Self-Sustaining Marketplace

Year 2+

  • • Permissionless gateway marketplace
  • • Enterprise-grade gateways for institutions
  • • PSPs and fintechs integrate for instant settlements

Key Metrics Targets

Q1-Q2

10-20 founding operators

Q3-Q4

$100M+ volume, 50+ dApps

Year 1

50+ gateways, $5B+ volume

Year 2

200+ gateways, self-sustaining

Traction & Roadmap

Execution Roadmap: From Protocol to Production Network

Q4 2025 Completed

Foundation

  • • Protocol specification v1.0 completed
  • • Core architecture design finalized
  • • Gateway consensus mechanism designed
  • • Cryptographic primitives selected (SPHINCS+, threshold signatures)
  • • Team assembled: 2 core engineers + 2 advisors
Q3 2026 In Progress

Testnet Launch

  • • Gateway node software release (alpha)
  • • Deploy testnet with founding operators (10-20%)
  • • L1 integrations: Ethereum, Solana, Bitcoin
  • • First SDK version for wallet integrations
Target: 1,000+ test transactions, 5 TPS sustained
Q4 2026 Planned

Mainnet Beta

  • • Mainnet launch with limited capacity
  • • Cross-chain exchange functionality enabled
  • • Protocol Foundation established
  • • 30% nodes sold to professional gateway operators
  • • Codebase audits completed (2+ independent firms)
Target: $10M+ volume, 50k TPS throughput, 99.9% uptime
Q1-Q2 2027 Planned

Network Scaling

  • • 5+ wallet/dApp integrations live
  • • 5+ stablecoin issuers
  • • Additional L1 integrations: Polygon, Arbitrum, Base
  • • First institutional gateway operators
Target: 50+ gateways, $100M+ volume, 50 TPS
2027-2028 Planned

Production Scale

  • • Open gateway marketplace (permissionless)
  • • 512-1024+ gateway operators across all major chains
  • • Smart contract-to-smart contract payments live
  • • Enterprise SDK with SLA guarantees
  • • Fiat on/off-ramp partnerships established
Target: $1B+ monthly volume, 200+ TPS
2028+ Planned

Network Maturity

  • • 500+ gateways providing global liquidity
  • • Traditional PSP and bank integrations
  • • Cross-border settlement for enterprise clients
  • • Self-sustaining network economics
Target: $50B+ annual volume, 1,000+ TPS

Current Status

Protocol

v1.0 Spec Complete

Implementation

In Development

Team

2 Engineers + Advisors

Next Milestone

Q3 2026 Testnet

Vision

When Value Moves Like Data

Just as TCP/IP transformed isolated computer networks into the Internet, vTCP will transform isolated financial systems into a unified value network.

When vTCP succeeds:

  • Every blockchain speaks the same protocol
  • Every bank can transact with every chain
  • Every dApp is natively omnichain
  • Every asset is globally liquid

The question won't be "which chain?" but "which value?"

The Internet didn't happen because everyone agreed on one network. It happened because TCP/IP let every network connect.

The Value Internet won't happen because everyone agrees on one chain. It will happen because vTCP lets every chain connect.

This is how finance becomes an internet.