SMART BILL
Physical Digital Cash
CASH - ANONYMOUS - NO INTERNET
CashTag SmartBill is a revolutionary payment system that combines the anonymity and simplicity of physical cash with the security of modern cryptography. No bank account, smartphone, or internet connection required. Simply hand over the card to make a payment - just like cash, but more secure.
CashTag = Cash + Digital Enhancements
Traditional cash is untraceable but can be counterfeited. Digital payments are secure but require identity verification and internet. CashTag bridges this gap: cryptographically secure money that works exactly like cash - anonymous, offline, and instant. The chip prevents counterfeiting while maintaining privacy.
FUNDAMENTAL PRINCIPLE
Possession = Ownership
ACQUIRE
Buy at bank, ATM, or retail store
USE
Pay by handing over the card
RECEIVE
Accept payment without verification
No smartphone - No internet - No bank account
Each CashTag contains an NTAG 424 DNA chip with AES-128 encryption. When you hand over a card, the recipient can verify its authenticity using the cryptographic signature stored on the chip. The transaction is recorded in the card's internal ledger, creating an immutable history that prevents double-spending.
Registration is 100% OPTIONAL
Your choice. Anonymous users get cash-like privacy. Registered users voluntarily share identity to unlock credit features. Even registered accounts only share minimal KYC - we never track your spending. The system is designed with privacy as the default state.
ALICE
$50
BOB
+$50
No reader. No phone. Done!
Offline terminal taps both cards to transfer any amount between variable-balance cards
Each card stores 8-10 transactions
Transactions are instant for the recipient to verify, but full settlement takes 24-48 hours depending on CashScore tier. During this window, both parties can sync with the network. If Alice tries to double-spend, the bond system covers Bob's loss. Platinum users get instant settlement with no bond required.
Similar to FICO but for digital cash
Bonds are held in escrow during the settlement period. If a transaction is disputed (e.g., double-spend attempt), the bond covers the recipient's loss automatically. Higher CashScore means lower bond requirements because you've proven trustworthy. Platinum users have demonstrated perfect payment history and need no bond at all.
$1
BLUE
$5
GREEN
$20
GOLD
$100
PLATINUM
$500
BLACK
Fixed = Anonymous - Variable = Registration benefits
Each card features tamper-evident holographic elements, unique serial numbers, and an NFC chip with secure authentication. Fixed denomination cards are color-coded for easy recognition. Variable balance cards display the current balance via e-ink or can be checked with any NFC-enabled device.
NXP chip with AES-128 encryption
Industry-leading secure NFC chip used in access control and authentication. Features secure messaging, anti-cloning protection, and tamper detection.
Unique cryptographic key per card
Each card has a unique private key burned into the chip during manufacturing. This key never leaves the chip and cannot be extracted or duplicated.
Transaction history stored on chip
The chip stores up to 10 recent transactions with cryptographic signatures. This creates an auditable trail that prevents double-spending and enables dispute resolution.
MAC authentication without internet
Message Authentication Codes allow any NFC reader to verify a card's authenticity without connecting to the internet. Perfect for areas with poor connectivity.
Paper: serial number vs CashTag: cryptographic signature + history
The Future of Physical Money
Anonymous, offline, possession = ownership
AES-128, impossible to clone
Opt-in KYC for CashScore
You hold the card = you control it
The Cash of the 21st Century
PRIVACY - SECURITY - FREEDOM
Ready to revolutionize money?
CONTACT US AT XALON.COM
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