How HTGt and JMDt Help Their Economies

1. Stabilization via USD Peg

HTGt and JMDt inherit their stability from the U.S. Dollar by being backed 1:1 by RYE/USDC, which itself is tied to USDC reserves. This protects users from local inflation or currency devaluation.

2. Financial Inclusion

Most Haitians and Jamaicans are unbanked. With mobile wallets and token access, users can receive income, pay bills, or store savings digitally without needing a bank account.

3. Transparent Treasury Backing

Every HTGt or JMDt token minted is traceable and provably backed by USDC via smart contracts. Minting and burning are publicly visible, which increases trust in the system.

4. Cross-Border Payments and Commerce

Users can swap HTGt ↔ JMDt through RYE/USDC pairs, enabling cross-border trade without traditional forex costs. Freelancers and businesses can accept payments globally and convert locally.

5. Decentralized FX Liquidity

By bypassing banks, this model provides decentralized foreign exchange — users convert currency directly through tokenized liquidity pools without intermediaries or reserve banks.

6. Anti-Inflation Savings

Citizens can protect their wealth by holding HTGt or JMDt tokens instead of unstable cash. These tokens are usable, spendable, and optionally redeemable for other stable or global currencies.

7. Programmable Policy Tools

Governments and NGOs can program conditional tokens for food, aid, or education. For example, HTGt can be issued to students but restricted to tuition vendors.

8. Gateway to Global DeFi

HTGt and JMDt are Web3-ready: users can access staking, yield farming, and crypto apps globally. It bridges rural and urban populations into digital economies with just a mobile device.

Backed by RYE/USDC + Guardian Wallet

All local tokens are minted when RYE is purchased with USDC. A Guardian Wallet monitors token issuance and price stability, ensuring all HTGt and JMDt remain collateralized and secure.