Vision  

Money is not wealth—it is a claim on wealth.

Axio is a new kind of money—designed to surpass both fiat and cryptocurrency, empower people, support productive work, and strengthen trust rather than eroding it. It is the core of a legally structured monetary system (U.S. Patent No. 11,354,734) that combines the stability of traditional finance with the speed, transparency, and global reach of digital technology. It is not just a medium of exchange, but the foundation of a public monetary system—democratically governed, fully backed, and built for service, not profit.

Currently, Axios Foundation is organized as a corporation with the goal of transitioning to a member-owned nonprofit corporation. As the system evolves, governance will be transferred to its users, ensuring democratic control. All value created within the system will be recycled to strengthen reserves and benefit the community, ensuring money serves people, not profit.

Axio is backed by real economic activity, not speculation. Transactions are processed in real time, free of charge, with privacy and transparency built into the design, alongside mechanisms for dispute resolution. With Axio, money becomes a tool for progress, fostering an inclusive, transparent, and sustainable global economy.

Join us to build that future.

What is Axio?  

Axio is a programmable, asset-backed digital currency designed as part of a complete, legally structured monetary system. Unlike fiat or crypto, Axio is engineered for stability, accountability, and real-world utility, not speculation.

Core Features

• Issued as Debt & Fiat
  Axio is created through fiat onboarding (Phase 1) or fully collateralized loans denominated in Axio (Phase 2 and beyond), ensuring every unit represents real reserves or productive economic activity.
  
• Fully Backed
  Every Axio is backed 1:1 by U.S. Treasuries, U.S. dollars, and, later, verifiable Axio-denominated loans. Surplus value from reserves and repayments is retained to maintain stability and benefit the community. Each unit is redeemable 1:1, anchored in trusted reserve assets.
  
• Programmed Expiration
  Axio is retired upon loan repayment or fiat withdrawal, aligning the money supply with economic activity and preventing inflation.
  
• Blockchain Auditability
  Issuances, repayments, and redemptions are recorded on a public blockchain for transparent verification without exposing user data.
  
• Free and Instant Transfers
  Transactions within the Axio system are real-time and fee-free, enabling seamless peer-to-peer and commercial payments.
  
• Account-Based Digital Infrastructure
  Axio operates in digital accounts maintained by the Foundation, supporting programmable logic, secure identity, and interoperability with external payment networks.
  
• Legally Structured and Compliant
  Axio operates within a legal framework for enforceable contracts and dispute resolution. Its asset-backed structure and transparent mechanisms qualify it as a stablecoin under the U.S. GENIUS Act.
  
• Initial Operations
  In Phase 1, users fund Axio accounts via credit/debit cards, ACH, or other rails. Fiat contributions are held in U.S. dollars and short-term U.S. Treasuries, with Axio issued 1:1. A public dashboard provides real-time reserve transparency. Withdrawals via ACH retire corresponding Axio, keeping supply aligned. Loans and advanced features will follow as the system matures.
  

Axio is a complete monetary system—not just a currency—offering accounts, transactions, credit issuance, dispute resolution, and legal infrastructure, restoring trust and function to money.

Features  

Axio is a complete, democratically governed monetary system designed to serve people, support the real economy, and deliver benefits beyond fiat or cryptocurrencies. As Axios Foundation transitions to a member-owned nonprofit, these features will empower users to shape the system.

Freedom and Democracy

Unlike Central Bank Digital Currencies (CBDCs), Axio will be governed by its users, operated for public benefit, ensuring financial freedom and democratic accountability.

Common Good

Surplus value from Axio operations (e.g., Treasury yield, loan repayments) is retained for community benefit, not private gain. The system incentivizes active use of Axio, strengthening the real economy and aligning money creation with public service.

Backed by Real Value

Every Axio is fully backed by reserves—initially U.S. dollars and short-term U.S. Treasuries, later including Axio-denominated loans tied to productive activity. This ensures trust, auditability, and tangible value, free from speculation or artificial scarcity.

Stable by Design

Axio’s value remains stable through issuance tied to productive loans or fiat reserves and retirement upon repayment or redemption. This aligns supply with economic capacity, avoiding inflation or crypto speculation.

Integrated Payment System

Axio supports seamless payments—personal, commercial, online, or offline—via mobile, ACH, Axio cards, and, where feasible, Axio Cash for anonymous peer-to-peer transactions without internet access.

Real-Time Transactions

Axio transactions settle instantly via the Foundation’s distributed infrastructure, outperforming banks and blockchain systems.

Privacy with Integrity

Axio protects user privacy, sharing no account details without permission, while maintaining security and legal accountability.

Transparency and Trust

Loans, reserves, expenses, and surpluses are recorded on a blockchain for independent verification, ensuring accountability to users.

Security

Axio’s purpose-built system offers account security surpassing traditional banks, with centralized oversight for greater safety and trust, not control.

Dispute Resolution

Axio supports transaction reversals, court-enforced claims, and smart contract arbitration, enabling business with protections akin to national currencies.