# Welcome - Our mission

**Unlocking Global Liquidity and Democratizing Finance**

At WhiteRock, we are driven by a singular mission: to unlock trillions of dollars in liquidity by bringing real-world assets—like stocks, real estate, and bonds—onto the blockchain. Through the seamless integration of tokenization, we are breaking down traditional financial barriers and enabling permissionless, decentralized trading for everyone. Our vision is to transform the financial ecosystem, democratizing access to wealth and creating opportunities that were once out of reach—not just through basic transactions, but by empowering individuals as investors.

**Revolutionizing a Gatekept Financial System**

The global financial system has long been unfair and gatekept by major financial institutions, restricting access to wealth-building opportunities for many. Events like the Robinhood stock trading halt have highlighted how traditional finance can limit individual investors, showcasing the need for a more open and transparent system.

At WhiteRock, we provide financial access to the entire global population—not just through basic transactions like sending money via USDX, but by empowering individuals as investors. We believe in the failure of the banks (and eventually the dollar) and thus the blockchain will become the primary source of liquidity, making it logical for every fiat, asset, or commodity to exist on-chain.

**Transparent and Efficient Markets**

By bringing assets on-chain, we facilitate seamless liquidity across borders and break down market inefficiencies. In our ecosystem, the value of everything is determined by the market itself, minimizing manipulation by large entities. Any influence by big players becomes transparent, as they can no longer hide behind opaque brokerages.

**Challenging Traditional Financial Structures**

We believe that traditional banks and fiat currencies like the US dollar have failed us. Inflation erodes the value of fiat currency, and banks offer minimal interest rates, disadvantaging the average person. For example:

* **Low Interest Rates**: While banks may offer around 1% interest for saving accounts, individuals could access approximately 5% returns from U.S. Treasury bills—returns often inaccessible due to institutional barriers. Not being able to purchase treasury bills means losing to inflation to those who do, due to the U.S treasury purchasing their own bills with newly minted dollars. Not owning an asset means you are actively being taxed.
* **Missed Opportunities**: An undereducated population is being robbed through inflation without knowledge of efficient investments.

An efficient market would enable everyone to invest directly in these higher-yield assets instead of holding a depreciating fiat currency. By not doing so, people effectively lose out to inflation. In theory everyone should be holding treasury bills and even transacting with them.

Though the market is not completely inefficient: when you hold stablecoins like USDT, the underlying dollars are parked in treasury bills, but the profits are kept by the issuing companies instead of being passed on to you. Companies like Tether have made significant profits robbing USDT holders. We plan to distribute not only the profits earned from treasury yields, but also the success of WhiteRock.

**Our Commitment to Financial Freedom**

By dismantling the barriers of traditional finance, we enable permissionless and decentralized trading for everyone, regardless of their capital or location. We are committed to building a transparent, fair, and efficient future where the unbanked and underserved can participate fully in the global economy and achieve financial freedom.

At WhiteRock, we envision a world where financial empowerment is not a privilege, but a universal right. We invite you to join us in transforming the global financial landscape, making it more inclusive and accessible for all.


# USDX

A stablecoin that puts you first.

## Introducing USDX: A Yield-Bearing Stablecoin

At WhiteRock, we are excited to introduce **USDX**, a revolutionary yield-bearing stablecoin designed to empower you by directly sharing profits from secure investments. USDX combines the stability of a dollar-pegged asset with the earning potential of U.S. Treasury bills, all while maintaining full transparency and accessibility.

### What is USDX?

USDX is a stablecoin pegged 1:1 to the U.S. dollar, ensuring that each token you hold retains consistent value. Unlike traditional stablecoins, USDX doesn't just store your wealth—it helps it grow. By investing the underlying assets in U.S. Treasury bills, USDX generates yields that are passed directly to you.

### How Does USDX Work?

#### Investment in U.S. Treasury Bills

* **Secure and Reliable**: The funds backing USDX are invested in U.S. Treasury bills, considered one of the safest investment vehicles globally.
* **Consistent Returns**: These investments generate steady interest, creating a reliable source of yield.

#### Profit Distribution Through Rebasing

* **Automatic Yield Distribution**: Instead of keeping the profits from these investments, we distribute them to all USDX holders.
* **Rebasing Mechanism**: USDX uses a rebasing system where the number of tokens in your wallet increases automatically as interest accrues.
* **Transparent and Fair**: This process is fully transparent, ensuring you receive your fair share without hidden fees or intermediaries.

### Benefits of Holding USDX

#### Earn While You Hold

* **Passive Income**: Your USDX balance grows over time as interest from Treasury bills is added directly to your holdings.
* **No Extra Steps**: There's no need to stake or lock up your tokens; simply hold USDX in your wallet to earn.

#### Stability and Trust

* **Dollar-Pegged**: USDX maintains a stable value aligned with the U.S. dollar.
* **Audited & rated**: USDX will be audited by Ernst & Young, and rated by Moody's ensuring the safety and stability of your funds.

#### Financial Inclusion

* **Accessible to All**: Whether you're an individual investor or new to digital assets, USDX is designed to be user-friendly and accessible.
* **Empowering Investors**: Gain access to investment opportunities traditionally reserved for large financial institutions.

### Why USDX is Different

In the traditional financial system, individuals often miss out on higher-yield investments due to barriers set by big financial institutions. While stablecoin issuers generate billions in profits from investing users' funds but retain those earnings, USDX is built on the principle of sharing profits directly with you.

* **Aligned Interests**: We believe in a fair financial ecosystem where profits benefit the community, not just the company.
* **Efficiency and Fairness**: By utilizing blockchain technology, we reduce overhead costs and pass those savings on to you.

### Join the Financial Revolution with USDX

USDX isn't just a stablecoin; it's a step toward a more equitable financial future. By holding USDX, you're not only preserving your wealth but actively growing it through secure, transparent investments.

**Experience the Difference:**

* **Financial Growth**: Watch your holdings increase as profits are shared with you.
* **Global Accessibility**: Participate in a decentralized financial system accessible from anywhere in the world.
* **Empowerment**: Take control of your financial future with tools designed to benefit you.

***

**Be part of the change. Embrace a stablecoin that puts you first. Join us at WhiteRock and discover the potential of USDX today.**


# Tokenized stocks

## Introducing Tokenized Stocks: Investing Made Accessible

At WhiteRock, we're revolutionizing the way you invest by bringing traditional financial assets like stocks onto the blockchain. Our **Tokenized Stocks** offering allows you to own fractions of real-world equities in a secure, transparent, and accessible manner. By tokenizing stocks, we break down barriers to entry, enabling everyone to participate in global markets regardless of capital size or geographical location.

### What Are Tokenized Stocks?

Tokenized stocks are digital representations of real-world equities that exist on the blockchain. Each token corresponds to a share of a specific company, mirroring its value and price movements.

* **Real Asset Backing**: Every tokenized stock is backed by an actual share held in custody.
* **Blockchain-Powered**: Transactions are recorded on the blockchain, ensuring transparency and security.
* **Regulatory Compliance**: We adhere to all necessary regulations to provide a lawful and secure investing environment.

### How Do Tokenized Stocks Work?

#### Fractional Ownership

* **Accessible Investing**: Purchase fractions of high-priced stocks, making it affordable to diversify your portfolio.
* **Low Entry Barrier**: Start investing with minimal amounts, democratizing access to premium equities.

#### 24/7 Trading

* **Global Markets Around the Clock**: Unlike traditional stock exchanges, our platform operates 24/7, allowing you to trade whenever you want.
* **Seamless Liquidity**: Benefit from the continuous availability of buyers and sellers on the blockchain.

#### Enhanced Flexibility

* **No Geographical Restrictions**: Participate in international markets without the usual constraints and fees.
* **Instant Settlement**: Blockchain transactions settle quickly, reducing the waiting time associated with traditional trading.

### Benefits of Investing in Tokenized Stocks

#### Democratizing Investment Opportunities

* **Universal Access**: Open to anyone with an internet connection, eliminating the exclusivity of traditional markets.
* **Empowering Investors**: Take control of your investments without relying on intermediaries.

#### Transparency and Security

* **Immutable Records**: All transactions are recorded on the blockchain, providing an unchangeable audit trail.
* **Secure Transactions**: Advanced cryptographic techniques protect your assets and personal information.

#### Cost-Efficiency

* **Lower Fees**: Reduce costs associated with brokers, custodians, and other middlemen.
* **Efficient Processes**: Automated systems streamline operations, passing savings onto you.

### Why Choose WhiteRock's Tokenized Stocks?

At WhiteRock, we're committed to creating a fair and inclusive financial ecosystem. Our tokenized stocks offering is designed with you in mind:

* **Regulatory Compliance**: We prioritize adherence to legal standards to ensure the longevity and legitimacy of our platform.
* **User-Friendly Interface**: Our platform is intuitive, making it easy for both beginners and experienced investors to navigate.
* **Customer Support**: Dedicated support teams are available to assist you with any questions or concerns.

### Join the Financial Revolution with Tokenized Stocks

By investing in tokenized stocks through WhiteRock, you're participating in a movement towards a more equitable financial system. We believe in:

* **Financial Inclusion**: Breaking down barriers that have historically kept many out of the markets.
* **Transparency**: Providing clear information about your investments and how they are managed.
* **Empowerment**: Giving you the tools and opportunities to grow your wealth on your terms.

***

**Experience the Future of Investing:**

* **Diversify Easily**: Build a varied portfolio without significant capital.
* **Trade Flexibly**: Enjoy the freedom of 24/7 markets.
* **Invest Globally**: Access international stocks without traditional limitations.

***

**Take the Next Step Toward Financial Freedom.**

Join us at WhiteRock and discover how tokenized stocks can transform your investment journey. Together, we're making markets more accessible, transparent, and fair for everyone.


# Founding mission

Why USDX should grow.

At WhiteRock we believe in efficient markets. If a user is aware that they can earn 5% on their stablecoin holdings without risk, we believe they will. The era of Tether earning billions in profit is soon coming to an end. We steadily witness more people becoming aware of the fact of how tether are robbing them. \
\
WhiteRock's mode of thinking promotes looking at what the world will look like in 10 years. We do not see any possibility where Tether is still profiting off people's lack of knowledge. The world is becoming faster at processing new information as we are ever interconnected through the internet.&#x20;


# How can I profit from WhiteRock's success?

Because we believe there will be a winner amongst the global tokenization revolution, we believe we should be there first.

We at whiterock stand by our mission to decentralize finance, and by that we also mean to decentralize our profits with our users. Like mutual banks, we want the people who use our financial services to be the ones rewarded from them. By using WhiteRock's products, you aquire points, that will later entitle you to a share of WhiteRock.


# Commodities

In Progress - Content Under Development


# Real estate

In Progress - Content Under Development


# Summary

WhiteRock's roadmap consists of different products which will be launched in multiple phases. While the first phase is already live, next phases are in active development.

### Tokenised assets, $WHITE and USDX - Phase 1 (Live)

Trading infrastructure is currently fully operational with equities and bonds already live on-chain. The $WHITE token has been launched and users can buy USDX, our native yield-generating stablecoin, to gain yield on their USD. Institutional partnerships have been secured.

### Lending platform - Phase 2

Users can leverage WhiteRock's native stocks and bonds for borrowing, all backed by institutional-grade risk management frameworks. This also enables other existing RWA protocols to access liquidity using their tokens as collateral.

### Expanding USDX - Phase 3

USDX expands across DeFi. Complete with major DEX integrations, cross-chain functionality, and advanced yield optimization strategies built directly into the token.

### WhiteNetwork and WhiteX - Phase 4

WhiteX, the hyper-speed orderbook DEX, will be built on our regulatory-compliant WhiteNetwork blockchain, enabling permissionless market creation for any financial asset.

### Expand tokenisation on WhiteX - Phase 5

Universal tokenization platform bringing real estate, IP rights, and commodities on-chain - if it holds value, it can be tokenized and traded on WhiteRock.


# System Overview: WhiteRock Asset Tokenization Workflow

The following document explains the process flow and interactions between the various stakeholders and components in WhiteRock’s ecosystem for asset tokenization and fund management.

<figure><img src="/files/wvHUH5jHij5K6JWj4Qne" alt=""><figcaption></figcaption></figure>

**1. User Onboarding**

The process begins with users who wish to access WhiteRock’s asset tokenization platform. Users interact with the **Customer Layer**, which includes the following steps:

* **Registration:**\
  Users sign up using familiar web2 credentials, such as email and password, to ensure an easy and straightforward onboarding experience.
* **Web3 Wallet Creation:**\
  A Web3 wallet is created for the user by the wallet provider. This wallet is used to interact with WhiteRock's blockchain infrastructure for deposits, transactions, and redemptions while keeping the entire wallet self-custodial.
* **KYC & AML Verification:**\
  To comply with global regulatory standards, every user undergoes **Know Your Customer (KYC)** and **Anti-Money Laundering (AML)** checks. Only after successful clearance can users access the platform’s financial services.
* **USDT Deposits/Redemption:**\
  Users can deposit USDT into their account or redeem their holdings via the dApp.

***

**2. Backend Operations**

This layer represents WhiteRock’s operational backbone.

* **Compliance Approval:**\
  Every user transaction, whether a deposit, trade, or redemption request, is reviewed by the compliance team. Transaction will only proceed after approval. This ensures adherence to the platform's regulatory obligations.
* **Order Processing:**\
  Once a transaction is approved, it is routed through WhiteRock’s backend systems. Orders are processed and forwarded to conversion.

***

**3. Money Flow**

The money flow layer depicts the movement and conversion of user funds, enabling the purchase of real-world assets:

* **USDT Conversion to USD:**\
  Users’ USDT deposits are converted to USD via **Coinbase Prime**, a secure and trusted crypto-to-fiat gateway. The USD is then transferred to WhiteRock’s bank account for further processing.
* **WhiteRock’s Partnership with Akula Investment Management:**\
  The USD is directed to **Akula Investment Management**, WhiteRock’s trusted fund manager, for investment in the **DeepSea Fund**, a segregated bankruptcy-remote portfolio exclusively managed for WhiteRock clients.
* **Broker Integration:**\
  Akula executes trades via brokers to purchase real-world assets, such as Apple stock, based on fund strategies and user demand.

***

**4. Custodial Services and Asset Management**

After trades are executed, the purchased assets are secured and tokenized:

* **Custodian Services:**\
  Assets purchased (e.g., Apple stock) are held securely by a custodian. The custodian maintains a balance sheet reflecting ownership and ensures the assets’ integrity and legal compliance.
* **DeepSea Fund Tokenization:**\
  Assets managed by Akula and held by the custodian are tokenized under the **DeepSea Fund**, a segregated portfolio company dedicated to WhiteRock clients. USDT is used as a representation of fractional ownership or economic rights to these real-world assets.

**Key Relationships and Policies**

* **Akula Investment Management:**\
  Acts as the fund manager, overseeing trade execution and adherence to investment policies. Akula exclusively uses the DeepSea Fund for WhiteRock and its clients.
* **WhiteRock’s Role:**\
  WhiteRock acts as an intermediary between users and the financial ecosystem, ensuring a seamless integration of traditional finance (TradFi) and blockchain-based systems.


# Token contracts

## Token contracts on mainnet

### Ethereum

* WHITE: [0x9cdf242ef7975d8c68d5c1f5b6905801699b1940](https://etherscan.io/token/0x9cdf242ef7975d8c68d5c1f5b6905801699b1940)
* USDX: [0x54e43f06c5f974efdaddce8122060814e3881a45](https://etherscan.io/address/0x54e43f06c5f974efdaddce8122060814e3881a45)
* WHITENET: [0x051532857b47269b04f9af17998aa47a4ab4c3f4](https://etherscan.io/token/0x051532857b47269b04f9af17998aa47a4ab4c3f4)

### Arbitrum

* WHITE: [0x9cdf242Ef7975D8c68D5C1F5B6905801699b1940](https://arbiscan.io/token/0x9cdf242Ef7975D8c68D5C1F5B6905801699b1940)

### Solana

* WHITE: [ENWC66tsY6cyqSrd8a7S9ETc712xCcSAuGcRUwSMWhyo](https://solscan.io/token/ENWC66tsY6cyqSrd8a7S9ETc712xCcSAuGcRUwSMWhyo)
* WHITENET: [43bd7CsBtGZdzdAzrKyJHJhvcz32XuMj6EiH18eBR8cQ](https://solscan.io/token/43bd7CsBtGZdzdAzrKyJHJhvcz32XuMj6EiH18eBR8cQ)

## Proxy contracts

WHITE, USDX and WHITENET are both 'proxy contracts', which means that the token contracts are 'upgradeable': changes can be made.&#x20;

By default, smart contracts are 'immutable'. Once a contract is deployed, it can never be changed. This is useful for tokens that live on a specific chain with basic features and short code, for example memecoins. These tokens do not need any (future) changes.&#x20;

However, for utility tokens upgradeability can be an important and needed technical implementation. Most important, it allows bugs in the contract to be fixed without having to redeploy the token and make all the token holders migrate over to a new token.&#x20;

The same applies when new features are being added, for example compatibility with a cross-chain bridge, adding gasless approvals, governance changes, staking functions, compliance features and many more options that are available.

The contracts use a common proxy standard, which is called the Universal Upgradeable Proxy Standard ([UUPS](https://ercs.ethereum.org/ERCS/erc-1822)). Proxy contracts are used by big industry players, such as Circle with [USDC](https://etherscan.io/token/0xa0b86991c6218b36c1d19d4a2e9eb0ce3606eb48#readProxyContract), Lido with [stETH](https://etherscan.io/token/0xae7ab96520de3a18e5e111b5eaab095312d7fe84#readProxyContract), and Aave Labs with [AAVE](https://etherscan.io/token/0x7fc66500c84a76ad7e9c93437bfc5ac33e2ddae9#readProxyContract). Proxy contracts are not a sign of risk, but are used as best practice.&#x20;

#### Token contract code

The code of the token contracts is publicly visible, since the contracts have been verified on Etherscan. You can read the code by visiting the 'code' tab on the explorer page, for example for WHITE on Ethereum: <https://etherscan.io/token/0x9cdf242ef7975d8c68d5c1f5b6905801699b1940#code>.


# Testnet

### Testnet contracts

* USDX UUPS Proxy (Sepolia): 0x5f46447a138e2bF39019532c537Fd312C2f40051
* USDX Impl (Sepolia): 0xe66176867e77f71d41dde62a54379e85eceb71b8
* wUSDX UUPS Proxy (Sepolia): 0x5f78ed03b29da0e747cd9b4b961b6d86a9691c7c
* wUSDX Impl (Sepolia): 0xef30b51cccfd01ad8c35205c355c1dd9a7f86d2b
* wUSDX UUPS Proxy (Arbitrum Sepolia): 0xa7Fb25C34a07eB3eb5e0D5358dbd32e4579bF374
* wUSDX Impl (Arbitrum Sepolia): 0xf80651e173a273ba5d595b722cfdf8975172cd80


# API

In Progress - Content Under Development


# Contract audits

Security is of the upmost importance at WhiteRock. Thus we have not only committed to ensuring for lucrative whitehat bounties but also to aquire extensive audits for each consequent update.

1. PeckShield: A top-tier blockchain security firm renowned for its expertise in identifying vulnerabilities and ensuring robust smart contract security. PeckShield first started operating in 2018, and since then, has protected billions in assets across various blockchain ecosystems. Their comprehensive analysis and thorough audit process provide an added layer of security to WhiteRock, ensuring that users can interact with confidence, knowing their assets and data are safeguarded.

<figure><img src="/files/vuFIoY1sIYPRG8D5a0W6" alt=""><figcaption></figcaption></figure>

<figure><img src="/files/YjsVxtr99bQyb4CgXggf" alt=""><figcaption></figcaption></figure>

<figure><img src="/files/l0CEY7w4meTHZfwOWUkW" alt=""><figcaption></figcaption></figure>

<figure><img src="/files/BacnHChNqDqnatQDSFGU" alt=""><figcaption></figcaption></figure>

<figure><img src="/files/nkykWhiPB3MgZuY7zM2y" alt=""><figcaption></figcaption></figure>

<figure><img src="/files/j4et5kWTKcdso1haZ82f" alt=""><figcaption></figcaption></figure>

<figure><img src="/files/exQBazrYWbIHS8zTOR17" alt=""><figcaption></figcaption></figure>

<figure><img src="/files/FUkbTBq17YwHuwiwL1Hj" alt=""><figcaption></figcaption></figure>

<figure><img src="/files/rILPfpdBJghoJX8eAbBR" alt=""><figcaption></figcaption></figure>

<figure><img src="/files/SFxM0xouTOX36doAHwC8" alt=""><figcaption></figcaption></figure>

<figure><img src="/files/CB7kgDYcvBHxvJwB7LNy" alt=""><figcaption></figcaption></figure>

<figure><img src="/files/fT3eaDLm2GfeXunG599t" alt=""><figcaption></figcaption></figure>

<figure><img src="/files/DA5iSY18sQ2XjkxP2WNZ" alt=""><figcaption></figcaption></figure>

<figure><img src="/files/ZH6x70A7ROWKsLdVzznx" alt=""><figcaption></figcaption></figure>

<figure><img src="/files/9c7wRUBdN8CsDYBhfLBJ" alt=""><figcaption></figcaption></figure>

<figure><img src="/files/rBkk57JKy1M9j1wc5zwk" alt=""><figcaption></figcaption></figure>

<figure><img src="/files/GJOGIDaWLFAhcrh9kJh4" alt=""><figcaption></figcaption></figure>

<figure><img src="/files/xL98JasdnvCEK3HeeyAi" alt=""><figcaption></figcaption></figure>

<https://github.com/peckshield/publications/tree/master/audit_reports/PeckShield-Audit-Report-WhiteRock-v1.0.pdf> - Direct link to audit

{% file src="/files/gETHyoRhLbU3Dj90d1Jv" %}


# Accounting audits

Accounting audits with Ernst & Young in progress


# Credit rating

Credit rating by Moody's in progress - Q2 2025


# Investment manager

In Progress - Content Under Development


# Company

WhiteRock Institute Ltd, incorporated in The British Virgin Islands (BVI Business Company No. 2159373, dated October 2, 2024), intends to develop and implement a tokenization platform. The platform is designed to enhance market accessibility and liquidity for users through tokenization. The company does not offer investments into securities and should therefore not be defined as a securities broker. WhiteRock Institute Ltd offers users price exposure and economical rights to certain assets without any rights to underlying assets.


# Official links

Website: [https://WhiteRock.Fi/](https://whiterock.fi/)

App: [https://WhiteRock.Fi/dashboard](https://whiterock.fi/dashboard)

GitBook Documentation: [https://docs.WhiteRock.Fi/](https://docs.whiterock.fi/)

X: <https://x.com/WhiteRock_fi>

Telegram: [WhiteRockFi](https://t.me/WhiteRockFi)

Medium: <https://medium.com/@WhiteRock_Fi>

YouTube: <https://www.youtube.com/@whiterockfi.official>


# Tokenomics

The [WHITE token](https://etherscan.io/token/0x9cdf242ef7975d8c68d5c1f5b6905801699b1940) has a total supply of 1 trillion (1,000,000,000,000). The supply is allocated as follows:

* 65% - Public/LP
* 20% - Core contributors
  * 2 year cliff with 60 month vesting - to be extended.
* 5% - Airdrop
* 5% - Marketing
* 5% - Future private sale/treasury

While 65% of the supply is available to the public, the remaining 35% is safely stored in the following address and managed by the team: <https://etherscan.io/address/0x7c6c0df61546098847d0a18395a74b54b737d4e0>.

<figure><img src="/files/V8r2O8JLHj8P02sfSKu1" alt=""><figcaption></figcaption></figure>


# Contact us

For further inquiries you can contact us at **<contact@whiterock.fi>**.\
\
For other questions you can reach us on X: [https://x.com/WhiteRock\_Fi](https://x.com/WhiteRock_fi).

We also have chat moderators available in our [Telegram and Discord servers](/resources/official-links) to answer any questions you have.


# Page 1


# Introduction

With White Network, WhiteRock fills a gap that has remained open despite years of blockchain innovation. Institutions need a venue that combines speed, privacy and built-in compliance, yet no chain today delivers all three. We are rebuilding the stack so those trade-offs disappear. The core chain offers the performance and auditability large market participants expect, while the integrated Global RWA Platform turns real-world assets into 24-hour, border-agnostic collateral. This is the unified liquidity pool institutions have been asking for but could not find on existing rails.

To power the ecosystem we are introducing WHITENET, a utility token that sits alongside but remains distinct from the original WHITE token. WHITENET will be distributed through a transparent Fair Token Launch, with an optional referral programme that broadens access without insiders or pre-mines. Together, the network, the platform and the token open a clean slate for capital markets, making them faster, simpler and truly ready for institutional use.


# White Network

WhiteRock's infrastructure for White Network will consist of four layers: the blockchain White Network with its three layers, on top of which exists the dapp layer where WhiteRock's RWA Platform will live on. WhiteBFT makes up of the consensus layer and is a HotStuff-inspired&#x20;

<figure><img src="/files/MOpkkjXBThWlzExU4dvo" alt=""><figcaption><p>Tech stack for White Network</p></figcaption></figure>

**WhiteBFT** serves as the network’s consensus engine, pushing throughput beyond 200,000 transactions per second while sealing each block with near-instant finality. The design is inspired by the HotStuff consensus mechanism, yet adds optimizations in bandwidth usage, signature aggregation, and deep pipelining so settlements feel immediate even for institutional loads. Because every performance parameter is modular, future upgrades can raise speed without rewriting the entire protocol.

**WhiteDB** extends this speed at the execution layer through a parallel, shard-aware data model. Transactions are prescheduled into non-conflicting groups, processed simultaneously, and merged into a single canonical state by deterministic rules. Each write produces a compact Merkle proof that light clients can verify, letting applications query balances or positions like a key-value store while retaining full cryptographic integrity. Indexing, snapshotting, and archival support are built in, allowing analytics tools, risk engines, and oracle feeds to draw data directly from the chain.

**WhiteLens** combines compliance and privacy using zero-knowledge proofs and shielding techniques inspired by Railgun. Wallets may attach encrypted attestations such as KYC status or jurisdiction tags, and smart contracts read simple true-or-false flags without exposing personal details. Users decide when to transact openly or within a privacy pool, and regulators can still confirm rule enforcement by reviewing aggregated ZK outputs. This approach eliminates the usual trade-off between confidentiality and regulatory readiness while leaving space for new standards as global policies evolve.

{% embed url="<https://files.gitbook.com/v0/b/gitbook-x-prod.appspot.com/o/spaces%2Fg9K1qAI9D2Uoe5qM0X5Z%2Fuploads%2F17rKxqpewKVF6RQtqkp4%2F200k%20tps.mp4?alt=media&token=086e0b4f-13ad-44b4-8d23-5b0911eb1644>" %}
A preview of White Network's throughput
{% endembed %}

### Network Status

Note that White Network is still in active development. The first iteration of the public testnet, scheduled for Q2 2025, was launched in July 2025.


# White RWA Platform

WhiteRock's Global RWA Platform will live at the dApp layer and is best described as a single, large-scale application composed of smart contracts purpose-built for real-world assets. Its objective is simple but far-reaching: merge every regulated marketplace on the planet into one continuously open liquidity pool where any compliant participant can trade, finance, or use tokenised assets as collateral without geographic or temporal barriers.

Traditional capital markets partition liquidity along national lines. A share bought in London settles on a different timetable, under a different rulebook, than the same share traded in New York or Tokyo. The platform replaces that patchwork with an on-chain venue that respects each jurisdiction while routing every order through the same liquidity pool. Regulatory obligations are embedded into the network making client's addresses compliant.

Any real-world asset can appear on the platform once its issuer provides attested proof of ownership, meaning that all tokenized assets are 100% backed. There is no separate listing negotiation or regional exchange gatekeeper. The compliance artefacts travel with the token itself, and the network enforces them automatically.

Within the same contract suite users can place spot trades, open margin positions, deposit assets into lending pools, or borrow against tokenised holdings. Market makers connect through standard endpoints and quote across the full depth of books that now span continents rather than individual venues. Because every function settles inside the confirmation block, capital is never trapped in a clearing cycle, and risk is measured in seconds, not days.

### Long-term vision

The long-term vision is a marketplace where a U.S. treasury bond, a German blue-chip equity, and a Singaporean REIT all trade side by side, governed by code that knows how to apply the right rule set to each participant. Jurisdictions get merged and stay enforceable, but they no longer dictate where liquidity must live. Instead, the world shares one transparent, always-on order flow, unlocking deeper markets, tighter spreads, and faster access to capital for everyone.


# Technical Edge

### Blazing Throughput - 200k+ TPS

White Network removes the bottlenecks that cap most Layer-1 chains at a few thousand transactions per second. A HotStuff-inspired BFT consensus engine, highly parallel execution (WhiteDB), and aggressive signature aggregation together drive sustained throughput to around 200,000 TPS, providing enough headroom for real-time capital-markets traffic and consumer-scale dApps.

### Instant Finality

Blocks are notarised in a single round trip and finalised without re-org risk, giving every transaction deterministic settlement while aiming for sub-100-millisecond time-to-finality. That target rivals internal exchange matching engines and enables high-frequency strategies that are impossible on probabilistic-finality networks.

### Unified On-Chain RWA Platform

A fully regulated brokerage entity operates side by side with the protocol, allowing traditional assets (such as equities and bonds) to be tokenized, traded, financed, and settled on the base layer itself. Instead of fragmenting liquidity across siloed venues, every order feeds a single, continuously open global pool, turning disparate capital markets into one market.

### Compliance and Privacy by Design (Opt-In)

Regulated participants can satisfy KYC/AML requirements natively: wallet credentials issued off-chain are attested on chain via zero-knowledge proofs. Users who do not need compliance can skip it; those who do, prove it with a single signature. Optional privacy primitives (shielded transfers, encrypted memos) keep sensitive flows confidential without breaking auditability.

***

## **Key Advantages**

* Exchange-grade performance: up to 200,000 TPS and aiming for sub-100 ms deterministic finality.
* Global liquidity in a single venue: on-chain RWA liquidity pool shared across jurisdictions 24/7.
* Built-in compliance controls: opt-in KYC/AML proofs enforced at protocol level.
* Configurable privacy: zero-knowledge shielded transfers for sensitive portfolio management.
* Licensed brokerage integration: tokenization, custody, and redemption of real-world assets under a regulated umbrella.


# Pros vs TradFi

WhiteRock is building a new world with White Network. Below is an explanation of how each feature helps reshape this financial paradigm.

### Instant settlement (T+0)

Transactions on White Network are final as soon as the block is confirmed, typically within a few seconds. By eliminating the two-day (T+2) clearing cycle that persists in most securities markets, the network frees capital that would otherwise remain locked in transit and reduces counter-party exposure for all participants.

### Continuous, 24/7 market access

The protocol operates without regard to weekends, public holidays, or regional time zones. Buy-side and sell-side institutions can enter or exit positions exactly when needed, a capability that supports global portfolios and time-sensitive trading strategies.

### Unified global liquidity pool

All orders flow through a single, on-chain RWA platform rather than fragmenting across multiple venues. Consolidated depth enhances price discovery, lowers slippage on large trades, and allows market makers to quote tighter spreads. Benefits that are difficult to achieve in siloed traditional infrastructures.

### Disintermediation and lower operational cost

Audited smart contracts replace layers of custodians, clearing houses, transfer agents, and reconciliation processes. Streamlining the post-trade lifecycle cuts settlement fees, reduces operational risk, and shortens cash-to-asset conversion times for both issuers and investors.

### Tokenization of real-world assets (RWA)

White Network enables equities, fixed-income products, commodities, and cash-flow rights to be represented as programmable tokens. Each token carries the asset’s economic value while inheriting the transparency, composability, and automated compliance features of the underlying chain.

### Fractional ownership at scale

Because tokens can be subdivided to many decimal places, high-value assets, such as blue-chip shares or prime real estate, can be issued in fractionalized units that suit a broader range of portfolio sizes. Fractionalization increases market participation without altering the asset’s fundamental characteristics.

### Secondary liquidity for tokenized RWA

Once listed, RWA tokens trade peer-to-peer in an open secondary market. Investors gain exit optionality and continuous price discovery, while issuers benefit from a wider investor base and improved capital efficiency compared with traditional private placements.

Together, these features create a capital-markets platform that matches cryptographic finality with the regulatory familiarity expected by traditional finance professionals. White Network delivers global reach, immediate settlement, and asset programmability in a single, cohesive protocol layer.

***

## Key advantages

* Instant settlement (T+0) with block-level finality
* Continuous 24/7 trading availability
* Single global RWA platform with consolidated liquidity
* Fewer intermediaries and lower post-trade costs
* On-chain tokenization of equities, bonds, commodities, and other RWA
* Fractionalized ownership for high-value assets
* Active secondary market providing liquidity for tokenized RWA


# Network Details

## White Network - Testnet Alpha

*Note: White Network is under active development, functionality is limited. Downtime can occur and the details below are subject to change.*

| White Network               | Testnet Alpha                                                                                                                                                                              |
| --------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ |
| Blockchain                  | White Network                                                                                                                                                                              |
| Chain ID                    | 4                                                                                                                                                                                          |
| Gas Token                   | WhiteNet (WNET)                                                                                                                                                                            |
| Testnet                     | <https://whitenetwork.fi/>                                                                                                                                                                 |
| RPC Endpoint                | <https://rpc.whitenetwork.fi/v1/>                                                                                                                                                          |
| RPC Rate Limit              | 30 req/min w/ burst of 20 - Error Code 429                                                                                                                                                 |
| Explorer                    | <https://whitenetwork.fi/explorer>                                                                                                                                                         |
| Faucet                      | <https://whitenetwork.fi/public-faucet>                                                                                                                                                    |
| Wallet (currently built-in) | <https://whitenetwork.fi/wallet>                                                                                                                                                           |
| Browser Extension           | [*https://chromewebstore.google.com/detail/wallet-extension/elafbhhlahpjoammcdgobikpppjcjmne*](https://chromewebstore.google.com/detail/wallet-extension/elafbhhlahpjoammcdgobikpppjcjmne) |


# FAQ

### How can I acquire WHITENET tokens?

WHITENET tokens will be available through our Fair Token Launch. After the initial distribution, tokens may be available on select exchanges and through the platform itself.

### What is the total supply of WHITENET tokens?

The total supply of WHITENET tokens will be determined by the number of WHITE tokens that participate in our Fair Token Launch. We've designed the distribution to be dynamic with a 1:10 conversion ratio. This means that the final token supply will directly reflect actual community participation, making the supply both transparent and demand-driven rather than arbitrarily set.

### What will be the initial valuation/price of WHITENET tokens?

The initial valuation will be proportional to the total participation in our Fair Token Launch. For example, if $30 million worth of WHITE tokens participate, that would represent 100% of the WHITENET supply at launch, establishing an initial market valuation of $30 million. This market-driven approach means the community itself determines the initial valuation based on genuine interest and participation levels.

### Why do you call this a "Fair Launch"?

Our distribution model is designed with fairness as its core principle. Unlike traditional token launches that often favor early investors with significant discounts or private allocations, our Fair Token Launch gives everyone equal access to WHITENET tokens at the same base price. There are no privileged tiers, no preferential rates, and no hidden pre-allocations. Everyone starts on level ground, whether you're an individual participant or a larger entity. We believe this approach aligns with the democratic principles of blockchain technology and ensures that early adopters get the most favorable entry point possible.

### Will there be any tokens reserved for the team or future development?

Our Fair Token Launch is designed to be genuinely equitable for all participants. In keeping with this principle, there are no pre-allocated tokens reserved for the team or development fund. Team members can participate in the Fair Token Launch on exactly the same terms as all other participants. This means team members will acquire their tokens at the same price and under the same conditions as everyone else in the community. We believe this approach creates perfect alignment between the team and the wider community, as everyone's tokens come from the same distribution event with identical economics. The absence of separate team allocations underscores our commitment to making this launch as fair and transparent as possible for everyone involved.

### How does the referral system work?

The referral system uses a smart, automatic sub-affiliate system to maximise returns. Referees can get paid on four levels: every time your direct invite buys, you earn. When they invite someone, you earn again. Continuing down to the 3rd and 4th generations. One link, four tiers of automatic income. You will get rewarded in $WHITE with a generous 30% commission every time someone makes a contribution through your unique referral code or link.

#### Referred user

* 5% bonus in **WHITENET** when using unique, valid referral code to deposit WHITE

#### Referee

* Commission % paid out in **WHITE**

| Tier level | Commission % |
| ---------- | ------------ |
| 1          | 30%          |
| 2          | 10%          |
| 3          | 5%           |
| 4          | 3%           |


# Desktop Guide

## Step 1 - Website

Go to <https://network.whiterock.fi/contribute>

## Step 2 - Connect Wallet

Click on "Connect Wallet" at the right top of your screen ![](/files/TDWDJuWoBe8veQnawFl1)

*Note: "Connect Wallet" might be hidden under the menu:*

{% embed url="<https://files.gitbook.com/v0/b/gitbook-x-prod.appspot.com/o/spaces%2Fg9K1qAI9D2Uoe5qM0X5Z%2Fuploads%2Fj3d9vI0Alq4ZsL0BFFqc%2FConnect%20Wallet%20Menu.mp4?alt=media&token=29416f9d-bd18-45a8-9d15-9d0b17f3a54a>" %}

## Step 3 - Choose wallet or social login

After clicking Connect Wallet, this screen pops up:

<figure><img src="/files/539CWhvZcDmndVFVHgef" alt="" width="375"><figcaption></figcaption></figure>

### Choose to connect with&#x20;

* <mark style="color:purple;">**social login**</mark> (purple box): you will be issued a new wallet address connected to your social login to which you will need to send ETH on Ethereum mainnet, or SOL on Solana.&#x20;
  * <mark style="color:red;">**See Step 7 - Social Logins for more information about social logins.**</mark>
* <mark style="color:green;">**web3 wallet**</mark> (green box): you can use your web3 wallet, like Metamask or Phantom wallet, as usual with funds you already have in your addresses.

<figure><img src="/files/umAj5IYw46M4cqjpA5F2" alt="" width="375"><figcaption></figcaption></figure>

## Step 4 - Contribute

* Choose WHITE or ETH on Ethereum mainnet, or WHITE or SOL on Solana;
* Choose your amount;
* Type in a referral code from a friend or use default code "WHITE";
* Read and agree to the Terms & Conditions;
* Click <mark style="color:green;">**Contribute**</mark>.

<figure><img src="/files/EolWgCRsnYFlUXLcqtLv" alt="" width="563"><figcaption></figcaption></figure>

## Step 5 - Transactions

You will be guided through multiple transactions on Ethereum mainnet which require ETH to pay gas fees:

1. Signing the referral message (no gas fees);
2. Deposit transaction, which transfers:
   1. on Ethereum: WHITE or ETH, which requires some ETH for gas fees;
   2. on Solana: WHITE or SOL, which requires some SOL for gas fees.

After depositing, WHITENET is automatically sent to your wallet.

## Step 6 - Adding token to wallet

In your wallet, such as Metamask or Phantom, click add custom token and use the token contract address. Your token balance will then show up in your wallet.

### Ethereum

* WHITE: [0x9cdf242ef7975d8c68d5c1f5b6905801699b1940](https://etherscan.io/token/0x9cdf242ef7975d8c68d5c1f5b6905801699b1940)
* WHITENET: [0x051532857b47269b04f9af17998aa47a4ab4c3f4](https://etherscan.io/token/0x051532857b47269b04f9af17998aa47a4ab4c3f4)

### Solana

* WHITE: [ENWC66tsY6cyqSrd8a7S9ETc712xCcSAuGcRUwSMWhyo](https://solscan.io/token/ENWC66tsY6cyqSrd8a7S9ETc712xCcSAuGcRUwSMWhyo)
* WHITENET: [43bd7CsBtGZdzdAzrKyJHJhvcz32XuMj6EiH18eBR8cQ](https://solscan.io/token/43bd7CsBtGZdzdAzrKyJHJhvcz32XuMj6EiH18eBR8cQ)

> Note: you can't add custom tokens in the Coinbase wallet. You could export your private key from Coinbase wallet to add it into another web3 wallet.

## Step 7 - Social Logins

After creating a social login, you will be assigned a wallet address. This wallet address is tied to your specific social login.&#x20;

> **Note that one email address could have multiple wallet addresses assigned to it!**

if you chose email login first, and later on use gmail login with the same email, you might be creating multiple wallets!

### Exporting private key

It is possible to export the private key from your social login to import it into a web3 wallet. Follow the steps on the images:

<figure><img src="/files/Lg0DsAbc9T12fEgvsED5" alt=""><figcaption></figcaption></figure>

<figure><img src="/files/Vovp3JxSNZHxQVU7WJKO" alt="" width="375"><figcaption></figcaption></figure>

<figure><img src="/files/fJiYmHD1sbrgj7aoBV1W" alt="" width="375"><figcaption></figcaption></figure>


# WHITENET ($WHITENET)

## Native Gas Token

WHITENET is intended to be the economic backbone of White Network. Once White Network's mainnet goes live, every transaction, whether it is a simple value transfer, a complex RWA trade, or an on-chain compliance check, will consume WHITENET as gas. Tying execution fees to a single scarce asset lets the protocol meter resources, discourage spam, and align validator incentives with overall security and throughput.

### Additional Utility

Gas settlement is the core use case, yet WHITENET can support a broader range of functions as the ecosystem matures. Possible roles include:

* **Validator collateral and staking.** Validators (and delegates) could lock WHITENET to produce blocks and earn proportional rewards.
* **Governance.** Future upgrades, treasury allocations, or parameter tweaks may be subject to token-weighted voting. Whether this takes place through direct on-chain proposals or off-chain signaling remains open for discussion.
* **Ecosystem incentives.** Builders, market makers, and RWA custodians may receive WHITENET grants or liquidity programs to bootstrap adoption.

The scope, mechanics, and timelines for any additional features are still under review and could change as legal, technical, and community requirements evolve.

### Token Distribution and Economics

A fair-launch model is planned alongside a public referral program to broaden initial ownership. No WHITENET is currently transferable, and any secondary-market offers should be treated with caution.

### WHITENET vs WHITE

WHITENET and WHITE serve distinct layers of the WhiteRock ecosystem. WHITENET anchors the protocol itself as the mandatory gas token, while WHITE lives at the application layer and powers the Global RWA Platform. WhiteRock intentionally separates these functions into two assets so that platform-level trading and governance do not interfere with critical infrastructure or core network economics, keeping the chain and gas fees stable and allowing the RWA platform to evolve its own incentive design, fee structures, and community engagement tools.

<figure><img src="/files/Bbq6aQV2dsiL32DDDnR1" alt=""><figcaption></figcaption></figure>

### Legal Notice

WHITENET is not intended to be a regulated financial instrument. Its primary purpose is to secure network functionality as a gas token, and its broader utility remains undetermined pending further development, regulatory assessment, and community feedback. Acquisition of WHITENET does not grant equity, revenue share, or any ownership interest in WhiteRock or its affiliates.


