We live in a polite fiction. We pretend that social platforms are built for connecting people, while in reality, they are massive data-harvesting machines designed to sell your attention to the highest bidder. This model is breaking under the weight of its own friction: ads are intrusive, subscriptions are exhausting, and “free” users are actually the product.
But there is a deeper rot: the Bot-War. Platforms spend billions trying to purge automated activity because bots don’t click ads, and when they do they never buy anything and expose the host to fraud accusations.
What if we stopped fighting the bots and started billing them?
By integrating Gajumaru State Channels into the fabric of social and consumer platforms, we can transform the Attention Economy to the Value-per-Interaction Economy.
The Shift for Platforms and Users:
Micropayments for Micro-Actions: Whether it’s a human tipping a creator a fraction of a cent for a post, or an agent paying for a premium API data-pull, the transaction is instant and frictionless.
The bot tax becomes bot revenue: If every automated interaction requires a granular payment, spam becomes a business model. We stop asking “Is this a bot?” and start asking “Is this channel funded?”
Privacy by Default: When you pay for a service with a sub-cent stream, the platform no longer needs to sell your soul to advertisers to keep the servers running.
Whether it’s a real person in meatspace or an agent acting on their behalf, the A2P (Agent-to-Platform) model removes the middleman. We are replacing the ad-click with the state channel flow, finally allowing platforms to scale based on utility rather than manipulation.
The current unit economics of online services are broken. Whether you are providing raw compute, AI inference, or streaming media, you are likely trapped in a losing investment cycle: burning venture capital to subsidize a sea of free-tier users, while praying a few enterprise whales overpay enough to keep the lights on.
The culprit isn’t the service, it’s the tyranny of payment overhead. We have, as an industry, normalized this to such a degree that the problem has become invisible. When credit card fees and administrative friction make it impossible to charge less than $10, you can’t capture the massive, granular demand of the emerging agentic economy.
Enter A2P (Agent-to-Provider) micropayments via Gajumaru State Channels.
By orchestrating Gajumaru’s state channel implementation, we are enabling a radical shift from SaaS subscriptions to pure utility billing. This isn’t just a technical upgrade; it’s a business model revolution for providers:
Sub-Cent Settlement: Stop losing 30 cents + 3% to processors. State channels allow agents to pay providers for every single token, frame, or CPU cycle in real-time, with near-zero transaction costs.
The End of Onboarding Friction: Real users, and the agents they deploy, aren’t afraid of spending pennies. They are afraid of $20/month commitments for services they use sporadically.
Instant Liquidity: Instead of waiting 30 days for a payout cycle, providers see value flow into their channels as the service is rendered.
From Streaming to Scaling: This model is the holy grail for high-bandwidth services like streaming, where the cost-per-user can finally be mapped 1:1 to revenue-per-second.
For providers, the message is clear: Stop waiting for the next VC round to cover your growth metrics. By adopting A2P orchestration, you can finally move to a Pay-as-you-Flow model that turns every interaction into immediate, granular revenue.
The rise of agentic frameworks like OpenClaw has exposed a massive friction point in the digital economy: the payment overhead.
Today, AI services rely on a handful of whales — power users whose high-tier subscriptions subsidize a sea of free or low-usage accounts. This isn’t just inefficient; it’s a barrier to true machine autonomy. An agent shouldn’t need a $20/month seat to perform a $0.003 task.
Granularity: Settle payments at the per-token or per-inference level.
Zero Latency: Transactions happen off-chain at the speed of the agent’s logic, only hitting the Gajumaru blockchain for opening/closing the channel.
Efficiency: We remove the “tyranny of overhead,” allowing agents to negotiate and trade services (data, compute, or logic) in real-time without a human-in-the-loop to approve a billing cycle.
We aren’t just automating the work; we’re automating the economy that powers it.
In 2025, we launched GajuDesk. This year, we’re going mobile. Here is an overview of GajuDesk, and a brief intro to GajuMobile.
GajuDesk
GajuDesk is a cross-platform, open-source desktop program for interacting with the Gajumaru blockchain system. Its primary features are:
Management of accounts
Management of wallets (collections of accounts)
Generating and submitting spend transactions
Retrieving and signing transaction data via the GRIDS protocol
Retrieving and signing message data via the GRIDS protocol (S3O)
Development and deployment of Gajumaru contracts
Making calls and dry-runs to on-chain contracts
Basic Wallet Features
The main screen for GajuDesk is a simple wallet manager which lists the accounts that are in the wallet, a balance displayed for the currently selected wallet, and options for account management (create, recover, show mnemonic, etc), sending money, entering a GRIDS URL, and opening the default browser to the currently selected account’s explorer page
GRIDS
The “GRIDS URL” button opens a text input field where a URL can be pasted. The GRIDS URL schema encodes a series of action requests for GajuDesk, such a requesting a text message or binary signature (useful for logging in via S3O or document authentication), generating a “spend transaction” (sending funds from one account to another), or signing a transaction request such as a contract call.
The most important part of this feature is that GRIDS allows isolation of the signature context from any other application context. It also makes it easy to communicate URLs either as text or as QR codes that can be read with a digital camera. This way a game, web shop or social media application can be running in a browser but the secret key required for signing a transaction related to it can be isolated completely from the browser runtime, or even be restricted to a completely separate device. You could be shopping on a tablet or notebook but sign a transaction on a different computer that you configure to be a better, more secure custodian of your secret account keys.
All the signature device requires is knowledge of the relevant GRIDS URL.
Dependency Management
In the course of developing various wallets, it became clear that the execution environment, code supply chain, and management strategy for various wallet code bases did not meet our requirements, so GajuDesk has been built from scratch without external dependencies.
Developer Features
An additional and important feature set lies behind the “function” button. This button opens a separate interface window which is for developing, deploying and interacting with Gajumaru smart contracts.
Contracts are deployed to the chain along with their source code by default, so contract source can also be loaded from the chain. A call interface is generated for each “entry” function exported from a deployed contract, and can be executed as a full contract call that is committed to the chain, or as a “dry run” which is executed on the receiving node but does not actually update the state of the chain (convenient for querying contract interfaces that are read-only without spending gas).
This is by far the most convenient out-of-the-box tooling we have ever encountered for developing and interacting with smart contracts, and Sophia is by far the best smart contract language we have surveyed.
GajuMobile
GajuMobile is a mobile application for Android and iPhone. It acts as an account manager, wallet utility (sending/receiving funds), and general signature device via the GRIDS protocol.
For most people GajuMobile will be the primary way they interact with Gajumaru chains and apps backed by the Gajumaru blockchain system. It is also the most convenient and secure login device, as your key management environment runs within your phone, completely isolated from your notebook, desktop or tablet.
Just like with GajuDesk, the mobile environment and libraries that QPQ encountered were assessed to be insufficient for our needs, so GajuMobile has been developed from scratch, with no external dependencies other than the core libraries provided by the Android and iOS platforms.
More info on GajuMobile will be coming out shortly. If you want to know more about what’s coming up from QPQ AG for Gajumaru blockchain, check out this post.
If you’re interested in building on Gajumaru, using any of the products, or getting involved in any other way, feel free to reach out to developer@gajumaru.io
The MIT DCI / Kinexys research paper on payment tokens is the most serious institutional thinking on blockchain-based payments to date. It identifies every problem correctly.
Then it builds on infrastructure that guarantees those problems can never be solved.
The collaboration between MIT’s Digital Currency Initiative and JPMorgan’s Kinexys division produced something rare: a genuinely thoughtful analysis of what regulated financial institutions need from blockchain-based payment systems.
It deserves serious engagement and discussion, especially as we emerge into what I believe will be a big year for blockchain rather than the crypto casino. So here is my take in that spirit.
The Problem They Name But Cannot Solve
Deep in the report, the authors make a striking admission about the state of blockchain standards:
There is general apprehension about the proliferation of standards, where specifications developed by individual parties are framed as standards even when adoption is limited. The benefits of standards are realized through convergence and alignment, and there is a need to move beyond ‘your’ standards versus ‘my’ standards, towards the convergence of ‘our’ standards.
This is exactly right. The blockchain ecosystem is drowning in competing standards that serve their creators’ interests. ERC-20, ERC-721, ERC-1400, ERC-3643, ERC-4337. The report maps fifteen different token standards against its functionality requirements. Each was proposed by parties with stakes in their adoption. None provides neutral ground.
The authors recognise that “reaching consensus on a single set of standards may be challenging for ecosystem participants.” Their proposed solution is “composable standards”, modular, narrow specifications that institutions can mix and match.
But composable standards still require a foundation to compose upon. And here’s where the analysis breaks down.
Building on SandBuilding on Sand
The entire prototype is built on “EVM-based blockchains”, meaning Ethereum or its derivatives. The report acknowledges governance concerns but defers them:
Concerns stem mainly from the governance of open blockchains, particularly public blockchains where there is no central operator. In such scenarios, operating part of the infrastructure, such as hosting nodes and mining blocks, might be required to mitigate the risks.
Required by whom? Mitigated how? The report offers no answers because there are no good answers on Ethereum.
The Consensus Problem
Anonymous proof-of-stake enables collusion without accountability. Four entities – Lido, Coinbase, Kraken, and Binance – control approximately 60% of Ethereum’s staked value. The Ethereum Foundation makes governance decisions that affect all participants. When JPMorgan builds payment infrastructure on this foundation, they inherit all of it. Their carefully designed administrative controls, their composable standards, their regulatory compliance. All of it sits atop infrastructure controlled by parties with no accountability to JPMorgan’s clients or regulators.
The report identifies privileged administrative functions as a concern: “the existence of such functions may raise concerns about potential misuse.” They propose transparency and observability as solutions. But transparency at the application layer cannot compensate for opacity at the consensus layer. You cannot observe what anonymous validators are coordinating.
The Scaling Problem
The paper proposes building on “EVM-based blockchains.” Ethereum mainnet sustains approximately 15-30 TPS in practice. Kinexys Digital Payments already processes over $2 billion daily on private infrastructure. If the authors intend to bring payment token standards to public Ethereum at anything approaching institutional volumes, they will inevitably turn to ‘Layer 2’ so called ‘solutions’. There they will face a mathematical impossibility that the Ethereum fanboys are desperately hoping that nobody is thinking about – sorry chaps, we did and we have. What follows isn’t our opinion, it’s mathematical impossibility.
Every transaction requires minimum irreducible data: sender address (20 bytes), receiver address (20 bytes), and cryptographic signature (65 bytes). 105 bytes that cannot be compressed away. At 10,000 TPS, a modest throughput for institutional settlement, this requires 12.6 MB per Ethereum block. Ethereum’s practical block capacity is approximately 100,000 bytes. The blob space added by EIP-4844 provides 1.125 MB for ALL Layer 2s combined. The arithmetic doesn’t work.
Layer 2s don’t solve Ethereum’s scaling problem, they prove it cannot be scaled.
The Security Problem
The EVM ecosystem’s security model is fundamentally compromised at the supply chain level. We have covered this before in a long form and short form video – links in the references below. MetaMask, the dominant wallet in the EVM ecosystem, relies on 212,620 NPM packages from anonymous contributors. In September 2025, 18 NPM packages were hijacked, affecting 2 billion weekly downloads, installing crypto-stealing malware. This is not historical. This is the current state of Ethereum wallet security.
The report proposes transparency and observability for administrative functions. But you cannot observe a supply chain attack until after it has succeeded. You cannot audit 212,620 packages maintained by strangers who can push updates at any time.
The Real Question They Cannot Ask
The fundamental question the report cannot ask is: Who controls the infrastructure on which payment tokens operate?
For private permissioned blockchains like Kinexys Digital Payments (which processes over $2 billion daily), JPMorgan controls it.12 That’s appropriate: they’re accountable to regulators and clients, so they should control it.
For public blockchains, the answer is: anonymous validators, protocol foundations, and whoever accumulates enough stake to influence consensus. That’s not a foundation for institutional finance. That’s a foundation for regulatory arbitrage.
The Finality QuestionThe Finality Question
The authors raise finality as a concern: “The decentralized nature of public blockchains and the consensus mechanisms used to achieve decentralization allow for blocks to be proposed by different parties, sometimes leading to situations where some blocks are discarded… Consequently, finality in this context is probabilistic rather than deterministic.”13
Let me be precise here, because this matters for institutional settlement.
All finality is probabilistic. T+2 equity settlement can be reversed. Wire transfers can be clawed back. Even physical cash can be counterfeit. The question isn’t whether finality is probabilistic—it’s what the probability depends on, and how quickly it converges to near-certainty.
Ethereum’s finality depends on trusting validators not to collude. With 60% of stake controlled by four entities, that’s a governance question: will these parties coordinate a reorg? Will they comply with a social consensus to roll back transactions?
This is not theoretical either. In 2016, the Ethereum community did exactly this: the DAO hack resulted in a hard fork (EIP-779) that reversed approximately $60 million in transactions that had achieved “finality” under the protocol’s consensus rules.14 The transactions were final. Until the community decided they weren’t.
The probability of Ethereum finality holding is high. But it’s a probability about human behaviour and governance decisions, not mathematics. And we have direct evidence that Ethereum’s community will reverse “final” transactions when sufficiently motivated.
Proof-of-work finality depends on computational reality. Each block requires actual work that cannot be faked. The probability of reversal decreases exponentially with each confirmation, not because validators choose to behave, but because reversing would require outcomputing the network’s cumulative work from that point forward. After sufficient confirmations, reversal becomes computationally infeasible regardless of any party’s intentions or governance decisions.
For institutional settlement, what matters is:
Question
Ethereum PoS
Proof-of-Work
Can coordinated parties reverse finality?
Yes — Demonstrated in 2016
No — Would require outcomputing the network.
What does probability depend on?
Trust in validator behavior.
Mathematics (cumulative work)
Has finality ever been reversed?
Yes (DAO fork)
No (Bitcoin, 15+ years)
Time to high confidence
Minutes (2 epochs)
Minutes (confidence)
The question isn’t probabilistic versus deterministic. The question is: does your settlement depend on trusting parties to behave, or on mathematics that parties cannot circumvent?
What Would Actually Work
The report correctly identifies what payment tokens need: safety, integrity, interoperability, and usability. It correctly identifies the limitations of current standards. It correctly calls for “our standards” rather than competing proprietary specifications.
But “our standards” require neutral ground: infrastructure that no party controls, where convergence can occur without requiring trust in competitors.
This requires a governance-free resource layer. Not a private chain (which is an island). Not a ‘public chain’ with anonymous governance (which is someone else’s kingdom). A resource layer with:
Proof-of-work consensus, so participants don’t need to be known or trusted
No administrative keys, so no party can censor or reorder transactions
Finality that depends on mathematics, not governance, meaning probability converging to near-certainty through computational work, not trust in validator behaviour
Connection points for sovereign infrastructure, so institutions control their own governance while settling through neutral ground
Such infrastructure exists. It has been operational since October 2024.
Liechtenstein is building national blockchain infrastructure with it. The Liechtenstein Trust Integrity Network (LTIN) is majority-owned by state Telecom Liechtenstein, regulated under the Liechtenstein Blockchain Act with EU MiCAR compliance. Bank Frick, Bitcoin Suisse, and Zilliqa are founding participants alongside QPQ. This is not a pilot. This is a European sovereign deploying the architecture for production financial infrastructure.
The architecture the MIT DCI/Kinexys paper describes – composable standards, modular functionality, regulatory compliance – works better on neutral ground than on Ethereum. Institutions can maintain sovereign governance over their own infrastructure while settling through a resource layer controlled by no one, where finality depends on mathematics rather than trusting anonymous validators not to collude.
The Invitation
The authors conclude by hoping their work “can serve as a starting point for further dialogue and collaboration with the ecosystem.”
We accept. This article is the shorter version of my exploration of the points they are raising.
The problems they have identified are real. The solutions they have proposed are thoughtful. But, the foundation they have chosen – EVM-based blockchains with anonymous validators, captured consensus, governance-reversible finality, and mathematically impossible scaling – guarantees they cannot fully succeed.
The blockchain and tooling designed for exactly what you’re describing exists. A European sovereign has already validated it. We built it. We’d welcome the opportunity to show you.
Smart contract written for deploying liquidity pools to Gajumaru chains;
Accelerated parser for interpreting data written in Sophia syntax, allowing more complex data to be more easily understood and sent to the chain.
Associate Chains (AC)
Simplification of Associate Chain connection points;
Addition of native coin types and governance groups
Note: this is NOT Groot governance, but context-specific governance, e.g. of native coin treasuries;
Finishing up a configurable node indexing plugin to support utility nodes and chain explorers;
Utility nodes can be seen as integration points for commercial entities and power users; they are blockchain nodes with specialized plugins, selective indexing, etc.
Hakuzaru
Caching of compiled contract AACIs in the Hakuzaru chain library has been implemented;
Better SpendTX URL generator functions have been put into Hakuzaru;
Numeric formatting for display of very large numbers (international and Japanese methods) has been implemented in Hakuzaru also so it can be used pretty much anywhere;
Update to support wider range of Sophia types, so that anyone can interact with the Hive mining smart contracts using GajuDesk;
More inputs added to Hakuzaru for interpreting raw binary, public keys, etc. generated in Erlang apps, without having to be encoded in base 56, etc.; useful for testing and making other kinds of tooling.
GajuPay
A basic GajuPay demo is in the works. There’s broadly two components:
A web application (plays the role of the vendor), and
Secure GajuWallet device: a mobile wallet on PinePhones (plays the customer role); offers the most frictionless platform for mobile development, despite certain challenges.
GajuMarket
The GajuMarket testnet site is going up this week.
GajuDesk
Contract call interfaces in GajuDesk to be published soon.
Gaju Mining
Track and restart transactions Sometimes, a transaction can take a while in order to get included. There used to be a race condition in which a newer transaction can replace an older one that has not been included yet. This is fixed with elaborate tracking of transactions and reissuing them if needed.
Miner payouts Miners can withdraw their miner rewards from the contract into their wallets.
Show transaction hash explorer link Link GajuMining to the explorer so users can track their transaction’s progress on-chain.
Show supported mining estimates The goal is to help users see how much they accumulated in the period QPQ was mining on their behalf.
CSV export of miners with completed orders Export of a CSV file according to certain criteria.
Terms & Conditions Tracking which users had accepted T&C.
Revisit onboarding email Revisited onboarding emails sent to users; split from one into two.
UnBlock payments integration UnBlock payments now work. This was a surprisingly challenging process.
Better VAT handling
Admin search Search by certain criteria in the admin interface.
PsiFi refactoring PsiFi integration has been revisited in order to get better UX.
Promotion code limits Sellers can now limit their promotion codes with timespan, total amount or number of uses.
Discount codes A new class of codes: discount codes that provide a fixed discount to users.
Vaults A constellation of smart contracts for multi-signature spend. Initial interface deployed. This can be shared with the community as a product upon maturity.
Visualise unconfirmed orders Display orders so sellers orders can identify clients that may need help getting started.
Gifting commissions licenses Sellers can now gift licenses bought with commissions to their friends and family.
Revisited promo codes sharing UI in the Miner dashboard had been refined for easier sharing of codes.
Top navigation bar refinements Top navigation bar is now more prominent; cart behaviour had been revisited from the ground up.
VIP promotion codes Certain users can now be allowed to pick their promotion codes, as opposed to being assigned random hashes.
Limit withdrawals Fiat commissions are limited to the previous months. The current month commissions are limited to mining license purchases.
Cache network ID GRIDS messages require network ID–mechanics for this have been we refined and is now faster.
A ton of polish, upgraded libraries, and some bug fixes.
It’s been a ride–2025 has been a very busy year for development. To jumpstart 2026, we would like to update our community on everything that has been achieved throughout the past year, as well as things we look forward to this year.
2025 Milestones Accomplished
Extensive work has been dedicated to deploying and refining essential applications, with focus on mining and basic tooling surrounding early use. In 2025, these applications were launched.
Cross-platform (Windows, MacOS, Linux) desktop wallet for maintaining wallets, interacting with the chain, handling signature requests, and developing, deploying, and calling contracts.
Additionally, the team has been concurrently working on the development of supplementary tools to enable actual, real-world, global economy for different business and institutional use cases on the Gajumaru network.
Many of these will be going live this year
16th October 2025: The Gaju Enters Circulation
On 16th October, Gajumaru miners executed the first drawdowns of Gajus from their smart contracts. This was not a test. This was not a simulation. Real money, mined by real people on real computers, transferred to accounts they control from the Hive miners. The ⽊Gaju became a currency in circulation.
This milestone represents the culmination of seven months of intensive development. We overcame challenges that, frankly, only Steam, the world’s largest gaming platform, has managed before, and they did so with vastly greater resources. Our cross-platform mining software now operates seamlessly on MacOS, Linux, and Windows, with an automated installer and updater system ready for mass deployment of every SaaS and product we will ever launch, including our key fly-wheel for mass global participation and adoption, GajuMining.
22nd October 2025: LTIN Announced
Six days after our first drawdowns, the Liechtenstein Prime Minister announced the Liechtenstein Trust Integrity Network (LTIN), with QPQ as a founding technical partner and shareholder. This is not a pilot programme. This is not a proof-of-concept. This is a sovereign nation building their national digital economy infrastructure with the Gajumaru architecture integrated into the planning.
LTIN Facts: Majority owned by Telecom Liechtenstein (the state telecom) Operating under the Liechtenstein Blockchain Act with EU MiCAR compliance Founding participants: QPQ AG, Bank Frick, Bitcoin Suisse, Swiss Subnet, Zilliqa Launch: Q2/Q3/Q4 2026
What the LTIN demonstrates is simple: the architecture works. A real government evaluated the options, saw what we have built, and chose Gajumaru to be part of their future. Over the next months, we will shape with them exactly what their national blockchain looks like and ensure that they have something that they and we are proud of. Given that much more established ‘Layer 1’ offerings were not part of the original announcement whilst we have yet to reach Main Net, this represents an extraordinary validation of our approach. If Liechtenstein can do this, so can any nation. Associate Chains enable national digital economies that mirror existing legal and economic boundaries.
Liechtenstein is first. Others will follow
Payment issues resolved
As with any start-up, building doesn’t come without challenges. Our team was not exempt from the existing financial system’s reluctance and aversion to doing business with new projects in this industry. This hindered sales of mining licenses for a time and pushed the team towards work-arounds that weren’t necessarily streamlined.
However, after months of exploring solutions, we are happy to announce that we can now accept debit and credit cards, along with crypto payments for mining license purchases.
CHF 1 Million+ Pre-Release Revenue
Despite all the struggles with payment providers throughout the year, QPQ IaaS AG generated over CHF 1 million in pre-release Gaju Mining SaaS revenue–and with zero marketing budget.
Every sale came from organic, word-of-mouth demand. We have our community to thank for rowing in with us to push out and engage with content as the team focused heavily on development.
Temporarily, customers had to wire money internationally to our Swiss bank account while we scouted for better solutions. This is exceptional for any SaaS business, but for a pre-release blockchain product, it is genuine validation of product-market fit.
With credit and debit card facilities finally coming online for us as we enter the new year, we have removed the friction that constrained our growth. The pathway to scaling is now ahead of us.
At the same time, we recognize that there is plenty of room for improvement in terms of our organic marketing efforts. Towards that end, Cecille de Jesus joined the team in November of 2025.
Since then, we have started slowly rolling out content on the QPQ blog. We will also start publishing regular developer-focused updates on the Gajumaru website soon.
Technical Infrastructure
Groot—the proof-of-work resource layer at the heart of the Gajumaru—has been operational since 22nd October 2024, now running continuously for over fourteen months. The team has also focused on the development of software that would make it possible for millions of miners to sustain the network as we continued development through to mainnet.
Component
Status
Groot (Resource Layer)
Operational since October 2024. 553,800✕ more efficient than Bitcoin.
木 Gaju
In circulation since 16 October 2024. Fixed supply: 1 trillion over 87.5 years.
Associate Chains
Architecture validated by LTIN. Full deployment Q1 2026.
GajuMining SaaS
Commercial release December 2025. 300+ active miners.
GajuDesk (wallet)
Operational. Zero dependencies. All code original.
Coded from scratch: Our zero-dependency architecture represents a fundamental departure from the compromised crypto industry. We built our libraries, interface applications, wallets, etc. from scratch because if you are minting real money, you need enterprise-grade security, not browser plugins held together with NPM.
300,000 generations produced
The Groot mainnet has produced over 300,000 generations by end of 2025, and witnessing-based finalization is operational, leading to 2-4 minutes to full finality.
2026: The Year of Deployment
As previously mentioned, 2025 has been a very intensive year for development behind the scenes. All that work is finally culminating into tangible tools that would enable a thriving economy on the Gajumaru network.
2026 is the year we go from operational to dominant.
Here’s what we’ve been building.
Core Infrastructure
Main Net Launch (6th April 2026)
Main Net is targeted for 23:59:00 Zulu, 6th April 2026, marking the completion of the first two phases of deployment for the Gajumaru. This is the moment when the Gajumaru transitions from a working system to a complete platform ready for global adoption.
Main Net delivers:
Full documentation for Groot such that, as with Ethereum, a project, development team, anyone in fact, can build on Groot anything that they wish to build there without any intervention by or need of us.
Associate Chains
With the launch of the main net comes one of the most crucial aspects to the Gajumaru architecture, which would allow builders to independently create, design, and govern their own infrastructure through Associate Chains.
Associate Chain deployment capability with tooling available for users to compose the AC infrastructure that fits their specific needs.
Native interoperability between all Associate Chains, no bridges required, no third-party trust.
These aspects deliver the operational RIPA model (Resource, Infrastructure, Platform, Application) that is a fundamental feature of the Gajumaru. This is the architectural completion and the beginning of the Gajumaru as something that we built that others can now build upon. These are the foundations for all subsequent platform and service deployments.
Applications, Platforms, and Regulated Services
This is the year when our commercial base coalesces and we ensure the Gajumaru comes to dominate the global economy. Here, we provide an overview of tools and applications launching soon. We will be publishing detailed articles about each of these products shortly.
GajuMobile on iOS, Android and Linux
Gajus accessible from your phone with direct smart contract access. Zero dependencies, all code original, the same security philosophy as GajuDesk, now mobile.
This provides the base for everything from retail payments in stores using existing hardware through to banking the 1.4Bn unbanked people around the world.
Just as it is said that emerging economies skipped the stepping stones to 5G and satellite broadband, so can the provision of GajuWallet as an app on phones provide that leapfrogging from unbanked in the 21st Century to the blockchain economy of the 3rd millennium.
GajuDEX: The First Genuinely Decentralised Exchange
The promise of decentralised exchanges was simple: your data, your assets, your money. The reality has been something else entirely: governance tokens gamed by insiders, admin keys allowing quiet changes, voting systems where 2% turnout decides everything. Every major DEX is “decentralised in name only” (DINO).
We built something different.
GajuDEX eliminates all controlling functions. Smart contracts are immutable after deployment: no admin keys, no upgradability, no governance votes that can redirect fees or freeze assets. We believe GajuDEX will be the first and only DEX to pass FINMA’s substance-over-form test for genuine decentralisation, falling outside regulatory scrutiny not by avoiding compliance, but because its architecture eliminates the very risks those regulations were designed to control.
The first genuinely decentralised exchange to meet FINMA’s decentralisation standards—not by avoiding compliance, but because its architecture eliminates the very risks those regulations were designed to control.
What makes GajuDEX different from every DEX that came before:
Factor
GajuDEX Implementation
Decentralization
Immutable, permissionless, no DAO hack surface
Base Chain
Bitcoin-NG PoW (Groot)
UI/UX
TradingView-like analytics funnctionality
Market Structure
AMM + CLOB with stop losses, infinitesimal fees
Smart Contract Security
Sophia language, compliant with FINMA
Compliance Posture
Fully decentralized, compliant with FINMA
Governance
DAO-less, permissionless, no governance attack surface
What GajuDEX means for Gaju holders:
Liquidity: Your Gajus become tradeable. Convert to other assets or fiat as the facility to do so emerges – we are actively pursuing engagement with major stable coin providers.
Passive income: Provide liquidity to pools and earn trading fees.
Validator rewards: Run a validator node (minimum technical requirements to be confirmed) and earn from network activity.
More details on GajuDEX will be published shortly.
GajuMarket: world’s first on-chain marketplace
The yard sale is just about to go truly global and digital assets finally have a home.
GajuMarket, the world’s first on-chain marketplace for goods and services, will have a soft launch in mid-January 2026. We’d love to see the community participate.
We showcased a very rough and ready version of this in November last year.
Despite how critical it is to establish the value of a currency in terms of buying power, nobody ever created a native blockchain marketplace before. Proof, if needed, that there has never been an actual blockchain that actually works, minting real money that really works. Unlike speculation tokens, you can actually do things with Gajus:
Go to GajuMarket and buy stuff. A T-shirt. A book. Book a chiropractor. A hotel room. Buy a holiday. Buy a car. Buy a house.
Go to GajuMarket and sell stuff. A jumper you knitted. A T-shirt you printed. Your dog walking service. Your car. Your house. Whether NFTs pointing at assets or a second-hand pair of sneakers, GajuMarket is THE peer-to-peer e-commerce platform eliminating intermediaries.
We are not an intermediary, but we do facilitate and curate, providing the web portal and ensuring best we can that listings are legal and appropriate.
More details on GajuMarket will be published shortly.
GajuPay
The whole point of the Gajumaru is that it delivers an actual blockchain that actually works, minting real money that really works. What we have seen before now is decentralisation theatre for the ‘crypto casino’ industry. What Gajumaru does is open the door to transition the real global economy to operating on-chain.
So how do retailers work with blockchain? How to achieve this without requiring intermediation from Visa, Mastercard, etc? How does a peer-to-peer payment get reported into their business systems?
Despite how obvious it seems, nobody in ‘blockchain’ has ever seriously tackled the question: how does a shop actually accept on-chain payments?
Putting to one side the joke that nothing in ‘crypto’ masquerading as blockchain is serious, the moment you try to answer that question practically – by talking to actual shop owners – you immediately collide with problems that no blockchain project has explored:
How do you link a blockchain transaction to a real-world sales instance?
How do you handle two registers paying to the same business account?
How do you log the fiat-to-Gaju conversion rate (assuming that you are not operating in native Gajus) at the moment of sale, which is a legal reporting requirement in most jurisdictions?
How do you issue refunds when the cashier doesn’t control the disbursing account?
How do you prevent a malicious actor from logging out the cashier and logging in their own “shop” to steal funds?
These are not exotic edge cases. They smack you straight in the face the moment you move from “wouldn’t it be cool if shops accepted crypto” to “here’s how you actually do it.” GajuPay is our solution.
What GajuPay Does
Real-world accounting occurs off-chain. A shop needs to track which sales session belongs to which cashier, route payments to the correct accounts, log exchange rates for tax compliance, match incoming transactions to specific sales instances, handle refunds through proper authorisation chains, and export all of this in formats that accounting software and spreadsheets can interpret.
None of this is on-chain. The blockchain handles the payment.
Everything else – the orchestration that makes payments useful to an actual business – requires backend infrastructure derived from deep domain expertise. GajuPay provides that backend: payment facilitation and reporting software for on-chain commerce. It’s essentially what Stripe started as, before Stripe became a financial services conglomerate.
More details on GajuPay will be published shortly.
GajuSafe
GajuSafe answers some of the world’s biggest questions (and fears) about non-custodial asset storage. The permanent loss problem is blockchain’s most significant barrier to mainstream adoption. In traditional finance, losing your bank card or forgetting your password is an inconvenience: you call the bank, verify your identity, and receive new credentials.
In cryptocurrency, losing your keys means losing your assets. Permanently. Forever. No appeals process. No customer service.
GajuSafe is a social recovery and key escrow system that allows users to designate trusted contacts who can help recover access to their Gajumaru accounts if the original keys are lost, destroyed, or the account holder becomes incapacitated.
Trusted Contact Designation Users pre-select individuals (family members, business partners, solicitors) who can participate in account recovery
Cryptographic Secret Sharing The mnemonic/recovery phrase is split using techniques like Shamir’s Secret Sharing, so no single trusted contact has full access
Recovery Threshold A defined number of trusted contacts must participate to reconstruct access, no single person other than the account holder has the entire mnemonic.
Confidential Transmission The “confidential sharing” aspect provides for encrypted distribution where trusted contacts hold fragments they cannot use independently
More details on GajuDEX will be published shortly.
Da Vinci Protocol
This will be built with the DEX offerings, providing a platform to capitalise and commercialise creative and intellectual property, opening access to a currently opaque and locked USD 10.8 trillion marketplace.
We already have offers submitted to professional footballers in Ligue 1 and La Liga for NIL monetisation, and InnovateLoyalty, a variation for corporate and retail loyalty programmes, follows the same architecture.
At the heart of the Da Vinci Protocol is the idea that value starts with a spark, but everyone who engages with that spark is part of its story. We see this as a key cog in the idea that capitalism differs fundamentally from corporatism (also known as ‘crony capitalism’) by recognising and being open to all value creators and enablers. Moreover, in the age of ‘AI’ Large Language Models (‘LLMs’) like ChatGPT, Grok, Claude, etc that utilise our data to deliver content for third parties that only they and the LLM benefit from, meta-tagging all creative content with this approach offers an opportunity for a step change that would automate the process of licensing creative content to LLMs and their users in a fair, transparent means from which all sides win.
QPQ Capital AG: SRO Regulation
We touched on this in regard to the GajuDEX’s above. Our application for Swiss Self-Regulatory Organisation membership under AMLA, enabling operation as a Virtual Asset Service Provider will be submitted in January 2026. The model follows Bitcoin Suisse and Bitpanda.
Services enabled under SRO:
Service
Description
Fiat On/Off Ramps (GajuFX)
Convert Gajus to CHF, EUR, USD and back
Regulated Custody (GajuVault)
Intermediated account recovery and custodial access
Tokenization Services
Tokenize shares of Swiss companies under the DLT Act 2021. In 2024, Switzerland saw 52,978 new incorporations; 99.9% of the country’s 670,000 active companies have not yet tokenized their shares.
CEX Variant (GajuCEX/GajuTrade)
Centralized order book on GajuDEX for institutional access
KYC Wallets
Wallets with built in KYC for exchanges and trading banks
Mining as a Service
Mine Gajus for third parties
Key Management
Regulated custody and mnemonic recovery
The pathway leads to a FinTech banking license.
We can also double this regulatory base with a MiCAR firm in Liechtenstein or Germany under the EU VASP regime, giving us both Swiss and EU regulatory coverage.
Q2-Q4 2026: Sovereign Infrastructure
LTIN goes live on Gajumaru
The Liechtenstein Trust Integrity Network launches as the first sovereign Associate Chain, providing a global showcase for what the Gajumaru makes possible.
What LTIN demonstrates:
National digital economy infrastructure that a country controls
Built on a global resource layer that no one controls
EU MiCAR compliance from day one
Template replicable by any nation
This is the proof point. When potential government partners ask “has anyone actually done this?”, we can point to a European nation operating under one of the world’s most advanced blockchain regulatory frameworks.
Throughout 2026: Other SaaS / Web Portal Products & Services
As we launch these tools and infrastructure this year, the team continues work on even more products to further expand market coverage and real-world use.
Here are some of the products that will also be in production throughout the year.
GajuMe (PayMe)
Online invoicing system that integrates with the chain (Groot or AC) instead of with credit cards and banks. Ideal for small businesses. Chain-based payment processing with historical lookup for accounting purposes.
GajuVault
Similar to GajuSafe, but with regulated service providers holding the mnemonic keys, accessed through QPQ Capital AG.
GajuLoyalty
Corporate and retail loyalty programmes using Gajus and tokenisation. Creating valuable reward programmes that generate actual customer engagement.
Giggerlicious
Gig work facilitator. Pick up a remote work gig, get paid, have a historical lookup for accounting purposes. Giggerlicious makes hiring remote gig workers, particularly across borders, extremely easy, with instant payments for an even better experience for both clients and service providers.
GajuMall
Like GajuMarket, GajuMall is a unified marketplace but for larger scale retailers.
The Critical Window
While the future for Gajumaru is highly optimistic, we are working within a pretty tight timeline. Protected mining ends 29th March 2027. We have fifteen months to achieve critical mass adoption, ensure massive decentralisation, and lock in network effects.
Date
Event
End 2025
Investor Gaju distributions complete
Q1/Q2
MainNet, multi-product launches
7 April 2026
MainNet Launch
Q2 2026
GajuDEX, GajuMarket, GajuPay, DaVinci Protocol
Q2 2026
QPQ AG or QPQ IaaS AG unicorn raise (target CHF 50M+)
Q2/Q3/Q4 2026
LTIN goes live in stages
Q2/Q3 2026
QPQ Capital AG raise
29 March 2027
Protected mining ends
At the end of 2026, we transition from selling licenses to organizing miners into competitive, self-directed mining communities and associations for long-term decentralization. Whilst there will always be more people wishing to avail of Gaju Mining SaaS and the GajuMining dashboard for easy management, the base that anchors all of this is what we need to secure in 2026. Network effects are brutal. We have won the technical race to deliver a fully functional blockchain; we have a three-year head start on any potential competitor. We must not waste it.
The Flywheel
More miners → more decentralisation → more credibility → more adoption → higher Gaju value → more resources → more miners.
We have built it. We have tested it. Now we need to scale it.
Closing Remarks from the CEO
2025 demonstrated that what we promised, we delivered and much more, despite the many challenges we were blind to at the end of 2024.
The Gajumaru works.
Groot has been operational for over fourteen months. The Gaju is in circulation. A sovereign nation chose our architecture for their national infrastructure. Over CHF 1 million in revenue with zero marketing proved the market exists.
2026 is about building on this:
Main Net in April
GajuDEX in Q2 – Gajus become liquid
GajuMarket & GajuPay in Q1/Q2 – Gajus become money you spend
LTIN going live from Q2 to Q4 of 2026 – sovereign validation becomes sovereign operation
Regulated services through QPQ Capital AG
A universe of platforms and services that turn the Gaju from a mined commodity into a used currency with organic demand
The window is closing. Network effects lock in early movers. First to critical mass wins. We have everything we need to win except one thing: scale.
That is where the community and their networks come in.
Thank you for your continued belief in our mission of economic emancipation through choice. The global economic resource layer that blockchain promised but never delivered. We built it, now we need to build on it and grow that base.
With warm regards and my best wishes to all of you for 2026,
The RIPA architecture was designed to bring Bitcoin’s core principles back, and take it down the right road far into the future.
Amidst all the casino noise that is crypto-gambling, Bitcoin’s original promise—a peer-to-peer electronic cash system designed for seamless, trustless transactions—has been overshadowed by speculation and profit-driven hoarding.
Looking from a wider perspective: the industry now drowns in a zero-sum game. Apart from countless pump-and-dumps, rent-seekers disguised as solutions squeeze themselves back in to keep the system working to their advantage–all at the cost of the everyday person.
No one can use Bitcoin without losing out to fees imposed by supplementary layers and services, much like the old-world centralized banking systems it swore to break down.
Correcting this warrants a journey back to the start: the pledge to build a currency that circulates freely in a decentralized world–one not controlled or influenced by any entity, and not intentionally designed to constantly lose its value on a regular basis.
With this as the starting point, the work continues: building upon these core foundations to solve the issues that should have been solved had Bitcoin’s direction stayed true to its promise.
Gajumaru was created to deliver what the world forgot but desperately needs. Gajumaru allows trust and innovation–separate but absolutely benefitting from Groot–through a new architecture: RIPA.
Resource, Infrastructure, Platform, and Application. Below, we delve into these different layers.
Resource
A blockchain’s settlement layer must be, and must always remain, a universal resource that anyone can use without being backed into a corner and forced to use any service by any private company. Additionally, this universal resource must remain unburdened by any process other than to mint, circulate, and record.
That’s why Gajumaru’s base layer, Groot, is designed to be as straight-forward as it is. It will forever be a universal resource: open, uncontrolled, tamper-proof, and truly trustless.
At the Resource layer sits the Mint and its native currency, the Gaju. The Gaju acts as a stable, universal unit of value, minted predictably without arbitrary inflation, enabling it to serve as “real money” for everyday transactions.
Groot is the sole authority for minting the Gaju, ensuring there’s no way for anyone to hyper-inflate it. The amount of Gajus to exist will be finite. Without intermediaries, cryptocurrencies can flow freely for daily transactions, reviving Bitcoin’s intent.
The resource layer isn’t where everyone transacts directly. Practical use cases are built on other layers, allowing the base layer to focus on security. This is the uncontrolled foundation: a permissionless, decentralized Proof-of-Work blockchain providing a neutral, global resource. Like a kernel in an OS, it handles core functions without built-in safety checks, ensuring algorithmic consensus and security through transparent mining (using Cuckoo Cycle puzzles).
To ensure that the resource layer remains untainted by influence and interest, Groot will be frozen in time at some point in the future. Beyond this point, Groot’s state will be preserved–no changes, no updates and features will be added to it. Its existing rules and mechanisms will remain the same from hereon until eternity. Only maintenance will be done, nothing more. There will be no operator, not even the ones who created it. QPQ will step back and hand Groot over to the world in its last and final state.
Anyone who will build on Groot can rest assured that they are building for the long-term and that no additional rules will be imposed on them in the future that could possibly derail their work and their business.
Infrastructure
Gajumaru recognizes the fact that trust and open innovation must have its place in an ecosystem. This is where the rest of the architecture comes in.
Gajumaru’s model addresses Bitcoin’s drift by prioritizing circulation over speculation, while also deviating from all that made Ethereum deficient. By allowing trusted actors in subordinate layers, it accommodates real-world needs without compromising the trustless core.
The Infrastructure layer builds bridges and tools on top of the resource. In Gajumaru, this includes Associate Chains (ACs)—sub-chains that connect seamlessly to the Mint without vulnerable gateways or bridges.
ACs can be private or regulated. And no one is required to use any particular AC. Everyone is free to use whichever infrastructure they prefer or trust. They can also choose to build their own, creating a competitive ecosystem.
Infrastructure operators are known, and therefore, accountable, and bound to jurisdictions for recourse if issues arise. Existing blockchains today can be built on Gajumaru as associate chains, allowing them to use Groot to their full advantage while keeping their autonomy, rules, and governance.
Unlike layered workarounds (L1/L2) that introduce tolls and risks, RIPA creates a unified, regulation-compatible system. It separates unregulated (Mint) from regulated domains (ACs), reducing reconciliation costs and fostering trust markets. Gajumaru realizes blockchain’s potential as an open economic foundation, where value flows freely, benefiting all without capture or debasement—proving crypto can be practical money.
Platform
The Platform layer offers monetizable services, like APIs, libraries, and orchestration tools. Here, developers create compliant environments, such as regulated ACs for CBDCs or KYC-enforced markets, blending decentralization with real-world rules.
The backend of applications such as marketplaces and wallets reside in this composable layer, allowing developers to use existing tools to custom-build their platforms.
Application
Finally, the Application layer hosts user-facing dApps, like quid pro quo marketplaces for peer-to-peer trades, or state channels for instant micropayments. This enables secure, low-cost interactions, from anonymous crypto-as-cash to selective identity proofs.
End-user applications and interfaces benefit from the security of Groot and the freedom to build on, and choose from a competitive ecosystem of infrastructure and platforms that would suit their needs.
The future is competitive–even for QPQ
In the future, there will be developers who would build infrastructure and platforms on Gajumaru that would compete with QPQ’s own. We welcome this with open arms.
Developers, businesses, and their users can choose infrastructure and platforms that serve their purposes best. As such, it is in the best interest of builders to work towards the benefit of their users. Otherwise, they risk being passed over for better-performing, more economical, and possibly more conscientious alternatives. QPQ will not be immune to this competition, and that is by design.
This is what it means to incentivize real economic activity that is productive–builders delivering tools and products for the benefit of the majority, and being fairly compensated for doing so. Truly productive action is generative, resulting in an overall positive-sum game as opposed to the current fake economic trap.
Come build with us.
QPQ is set to deploy Associate Chains in 2026. For those interested in building on Gajumaru, you may start with the documentation. You may also reach out to info@qpq.swiss
There are certain criteria to be met for a blockchain to be truly decentralized–yet most blockchains today fall short.
The word “decentralization” has been used so much that people no longer bat an eye when it’s used incorrectly, even when the misuse is deliberate.
It’s survival adaptation: certain players want the world to remain under the false notion that they are part of the solution–to a problem that they play a large part in perpetuating.
Through this framing, they are able to negotiate and control the architectures of technology behind closed doors in a way that sneaks them back into a system designed to remove them. After all, blockchain technology is a solution conceived to wipe them out.
As a result, multi-layer blockchains push users to go through layers owned by private entities, all stored in databases somewhere. This rent-seeking system that has dominated the industry defeats the whole purpose of blockchains in the first place.
A Layer 1 blockchain that requires a Layer 2 is not a full financial system in itself without the supporting layers. Imagine taking a car only to be told that it has neither the capacity nor the speed required to take you anywhere, and it would require you to add another motor and a cart behind it for it to function as a single car.
And all of these additions to the Frankencar cost you a little bit more every time you use it, the proceeds of which go to those who own these additional components–which are not optional.
As the world gambled on cryptocurrencies and memecoins, switching between raving and crying as the market spiked and dropped, the primary reasons why the concept of blockchain was created at all were lost in the rubble.
There is a place for centralization, trust, and profit-making, but not in the mint function of a blockchain. The concept of blockchain was never meant to be a business in itself–Bitcoin was conceived as a solution to prevent control over, or abuse of, money printing, and to provide an honest, tamper-proof currency that serves its purpose as a highway through which free trade and business can be conducted.
Gajumaru was created to bring blockchain back to its core principles. It needs no other layers to support itself–unlike systems that require a Layer 1, Layer 2, and sometimes even a Layer 0.
The Gajumaru root, or “Groot,” is an uncontrolled, universal resource with no operator. It is a resource layer meant to be freely used by anyone, anywhere without intermediaries.
And as a universal resource layer, it must remain immutable, and truly decentralized–untainted by the influence of a faceless few hiding behind a million wallet addresses. It will not be controlled by anyone, no matter how much currency they hold, unlike Ethereum’s anonymous proof-of-stake. It is for this reason that hard forks on Groot beyond the completion of the whitelist period are practically impossible.
Groot is a distributed blockchain that uses a proof-of-work (PoW) consensus mechanism acting as a system-wide currency mint and registrar. Its sole purpose is to mint, circulate, and record. Nothing else. No one can influence or control it–not even those who created it. Simple, straight-forward, transparent. The Gajumaru blockchain remains a silent, neutral witness facilitating transactions without prejudice. Groot is a resource layer–and that’s all it will ever be.
Anyone who wants to use Groot directly can do so without needing the services or permission of any other entity. Any services, products, platforms built on Groot can be used by anyone–but only if they choose to do so.
Using this resource layer, anyone can build their own infrastructure or “associate chains.” These local markets enable economic activity–as well as competition–allowing users and businesses to transact based on reputation and preference, not because they have no choice.
It is a system refined in a way that does not demand massive resources to run–this low barrier-to-entry ensures that even mining is as inclusive, sustainable, and decentralized as possible, requiring hardware mediocre enough for everyday folk.
It is designed to mitigate mining monopolies, an aspect that has become questionable in Bitcoin where 80% of all blocks are mined under three addresses.
Over the past decade, the industry echoed market positioning of “store of value tokens”–it is a PR tactic. When the value of a coin becomes the core–or only–business case, control over mining becomes a battle. And it’s usually a competition most beneficial to those with massive funds for the fight.
Unlike most tokens in existence, the currency, Gaju, is meant to be spent. This isn’t to say HODLing can be prevented. But the primary reason for HODLing is because there is no practical real-world use for most tokens in existence at the moment without having to go through intermediaries such as trading platforms or even banks.
The Gajumaru ecosystem has lined up an arsenal of tools to ensure that everything a user needs to spend, receive, and circulate gajus would be accessible to those who need it, without losing even more of their hard-earned funds to middlemen.
If you want to take part in this movement, you’re still on time for early access.
