Aurum Token: The World's Digital Gold Standard
A gold-backed stablecoin project merging the timeless security of gold with blockchain's accessibility and speed.
Agenda
1
Business Plan
Executive Summary, Company Description, Products & Services, Marketing, Operations
2
Financial Plan
Forecast & Cash Flow Projection, Capital Allocation
3
Investment Plan
Investment Breakdown, Shareholding Structure, Security & Protection
4
Revenue Sources
Minting & Redemption Fees, Transaction-based Income, DeFi Spread Fees, Custodial Fees
Executive Summary
Aurum Token (AUT) is a gold-backed stablecoin project aiming to merge the timeless security of gold with blockchain's accessibility and speed.
Backed by 6,000 tons of secured physical gold reserves, AUT provides a redeemable, transparent, and globally accessible digital currency.
The project is managed by Trillion Positive Group, a leading Asia-based fintech group, with strategic gold contributors.
Vision & Mission
Vision
To empower the world with digital gold as a universally trusted, borderless, and stable store of value.
Mission
To merge the intrinsic value of gold with blockchain innovation, enabling secure, compliant, and equitable financial participation for all.
Company Description
1
Company Name
Aurum Token Foundation
2
Business Model
Gold-backed stablecoin issuer, DeFi integrator, vault and token management
3
Jurisdictions
Switzerland (Foundation), Singapore (Vault Ops), UAE (Marketing & Issuance), Hong Kong (Institutional onboarding)
Trillion Positive's Role
Trillion Positive, as an established fintech leader in Asia with operations spanning Thailand, Malaysia, Singapore, and Sri Lanka, will serve as the operational and management backbone for the Aurum Token ecosystem.
Trillion Positive Group boast an impressive track record of delivering successful financial and technological services for hundreds of companies – in almost every business and market cycle.
We have a dedicated team of professionals to help provide solutions that are specially designed to meet the fintech needs of corporate, businesses and individuals.
Trillion Positive's Responsibilities
Operational Management
Hold and manage the operational setup of the gold-backed stablecoin, including treasury management, vaulting arrangements, and token issuance processes
Regulatory Compliance
Oversee regulatory compliance, KYC/AML frameworks, and licensing requirements across multiple jurisdictions
Infrastructure Integration
Provide existing payment gateway, banking relationships, and user management platforms to integrate AUT seamlessly into regional markets
Technology Development
Manage ongoing technology development, security operations, and smart contract maintenance in collaboration with dedicated blockchain teams
Products and Services
Aurum Token (AUT)
Blockchain token backed 1:1 by troy ounce gold reserves
Physical Redemption
Redeem AUT for physical gold with insured delivery
DeFi Integration
Lending, staking, collateralized borrowing using AUT
Gold Vaulting
Institutional-grade storage with real-time audit transparency
Payment Gateway
Use AUT as a stable medium of exchange globally
Marketing Plan
Strategic Branding
"The World's Digital Gold Standard"
Target Segments
  • Institutional investors
  • Gold buyers
  • Crypto users
  • Unbanked populations in emerging markets
Channels
  • Exchange listings
  • Partnerships with fintech apps
  • Gold dealers
  • Crypto wallets
Campaigns
Global launch with PR agencies, financial media, crypto conferences, regional roadshows around the world
SWOT Analysis
Strengths
  • Backed by real gold reserves
  • Strong fintech management via Trillion Positive
  • Full transparency with audits and Proof-of-Reserve
Weaknesses
  • High operational setup cost
  • Regulatory complexities across jurisdictions
  • Requires large-scale user onboarding to break even
Opportunities
  • Growing demand for stable, redeemable digital assets
  • Integration with global DeFi protocols
  • Institutional adoption as digital gold alternative
Threats
  • Regulatory changes against stablecoins
  • Cybersecurity and operational attack vectors
  • Gold price volatility affecting token redemption economics
Operational Plan: Technology
Blockchain Development
  • Smart contracts
  • DeFi integrations
  • Wallets
Cybersecurity
  • 24/7 SOC
  • Penetration tests
  • Multisig failsafes
Operational Plan: Logistics & Compliance
Logistics & Vaulting
Brinks, Loomis, Malca-Amit vaults across Singapore, Switzerland, UAE, and Hong Kong
Governance
Multisignature board under Aurum Token Foundation, keyholder replacement and duress protocols
Compliance
KYC/AML integrations with Chainalysis/Sumsub; legal structuring across jurisdictions
Security SOPs
Keyholder emergency replacement, duress triggers, time-locked approvals, quarterly drills
Management Structure
Board
Comprising Trillion Positive leadership, gold contributors' representatives, independent trustees
Executive Team
CEO, CTO, CFO, CMO, Head of Compliance, Head of Security
Departments
Blockchain Dev, Backend, Frontend, DevOps, Cybersecurity, Compliance, Vault Operations, Finance & HR, Marketing, Investor Relations
Startup Costs
Legal & Compliance
10% (€10M)
Licensing (HK/Dubai), foundation setup, gold custody legal structuring
Foundation Setup
5% (€5M)
Establishing foundation or trust for gold asset holding and token issuance
Tech Development
20% (€20M)
Blockchain platform, token smart contracts, security audits, treasury integration
Marketing & Partnerships
20% (€20M)
Global brand awareness, depositor and investor acquisition, exchange listings
Startup Costs (Continued)
Operations & HR
15% (€15M)
Hiring core team (management, compliance, operations, finance, vault ops)
Gold Liquidity
5% (€5M)
Initial gold deposit acquisition, vault custody, liquidity bridging
Office Setup
15% (€15M)
Office lease, equipment, working capital
Contingency
10% (€10M)
Strategic buffer for unforeseen operational needs
Total: €100M EURO
Strategic Acquisition
As part of our capital deployment strategy, we propose allocating €68 million towards the acquisition of a 70% equity stake in Trillion Positive Company.
This strategic acquisition provides:
  • Immediate access to regulated financial infrastructure and banking channels
  • Established payment gateway, CRM, and user base integration for rapid scaling
  • Enhanced credibility through existing licenses and compliance frameworks
Financial Forecast: Year 1
20%
Tokenisation
$127B tokenised
$19.4B
Total Revenue
$19.15B
Net Profit
$250M
Operational Expenses
Baseline run rate (from model)
Cash Flow: Startup burn (initial €100M) mostly spent within Year 1 as planned allocation. Incoming profit from operations: +$19.4B, ensuring strong cash position for scaling.
Financial Forecast: Year 3
60%
Tokenisation
$381.6B tokenised
$58.2B
Total Revenue
$57.93B
Net Profit
$270M
Operational Expenses
Scale-adjusted
Cash Flow: Profits continue to compound, operational self-sufficiency ensured. No additional equity or debt raising required.
Financial Forecast: Year 5
100%
Tokenisation
$636B tokenised
$97B
Total Revenue
$96.71B
Net Profit
$290B
Operational Expenses
Scale-adjusted
Cash Flow: Extremely positive net cash position. Available liquidity for global expansion, DeFi integrations, M&A of smaller gold token projects.
Cash Flow Summary
Note: Startup €100M is fully utilised by Year 1 as planned. Revenues from Year 1 onwards fully cover operational expenses and generate cash surpluses.
Technology & Development Allocation
€20M Allocation
  • Blockchain, backend, frontend, DevOps, cybersecurity hiring
  • Smart contract audits and continuous upgrades
  • Node infrastructure, wallet development, mobile apps
Marketing & Partnerships Allocation
€20M Allocation
  • Global brand launch campaigns
  • Exchange listings and market-making incentives
  • PR agencies, conferences, sponsorships
  • Integration partnerships
  • Listing fees for premium exchanges
  • DeFi protocol collaborations
Legal & Regulatory Allocation
€10M Allocation
  • Foundation/trust setup
  • Licenses in Singapore, UAE, Switzerland, Hong Kong
  • Ongoing legal advisory and compliance team retainer
Operations & HR Allocation
€15M Allocation
  • Salaries for operations, finance, HR, administration
  • Recruitment and training programs
Additional Allocations
Office Setup & Equipment
€15M
  • Regional offices in Singapore, Dubai, Switzerland, Hong Kong
  • Workstations, security systems, IT infrastructure
Foundation / Trust Setup
€5M
  • Legal, structuring, board onboarding, trustee retainer fees
Liquidity & Custody Setup
€5M
  • Vault rental contracts
  • Insurance premiums
  • Logistics & compliance setup
  • CEX/DEX liquidity pools
Contingency & Risk Buffer
€10M
  • Unexpected regulatory changes, legal defenses, cyber incidents
Shareholding Structure
Investment Security
Allocated Gold Reserves
Fully allocated gold reserves in institutional vaults
Regular Audits
Monthly third-party audits and on-chain proof-of-reserve
Multisignature Treasury
With failsafe duress triggers and keyholder replacement protocols
Investor Protection
Board Governance
With contributor representation
Insured Vaulting
Underwritten by Lloyd's of London
Legal Structure
Under foundation/trust with fiduciary responsibility to token holders
Sources of Revenue
Minting & Redemption Fees
0.25% fee on minting new tokens or redeeming for physical gold
Transaction-based Income
0.2% fee on every on-chain transfer of AUT
DeFi Spread Fees
Revenue from lending, staking, and borrowing activities
Custodial & Management Fees
Annual fees for gold storage and institutional partnerships
Minting & Redemption Fees
Description
Whenever users mint new Aurum Tokens (AUT) by depositing fiat or gold, or redeem AUT for physical gold or fiat equivalent, a transaction fee of 0.25% is charged.
Mechanism & Rationale
  • Minting: Covers operational costs of gold verification, token issuance, KYC/AML processing, and smart contract minting gas fees.
  • Redemption: Covers vault retrieval, bar assay verification, physical logistics, insurance, and treasury rebalancing.
Revenue Impact
Provides stable revenue aligned with token demand and gold market liquidity cycles. Highly scalable as user base and redemption utility expand globally.
Transaction-based Income
Description
Every on-chain transfer of AUT incurs a 0.2% transaction fee, automatically deducted via smart contract logic.
Mechanism & Rationale
  • Encourages holding and purposeful utility rather than speculative micro-trading, thus supporting token stability.
  • Funds are allocated towards treasury reserves, operational overhead, and development reinvestment.
Revenue Impact
Generates passive, continuous income proportional to overall ecosystem usage, similar to stablecoin transfer fees on networks like Tether or USDC. Scales linearly with user adoption and integration into merchant and payment gateway partners.
DeFi Spread Fees
Description
Revenue generated from lending, staking, and collateralized borrowing activities by integrating AUT into DeFi protocols and internal lending pools.
Mechanism & Rationale
  • AUT is used as collateral or yield-bearing asset on partnered DeFi protocols.
  • Platform earns a spread fee between borrowing APRs and staking yields provided to users, or a protocol fee from integrated DeFi liquidity pools.
Examples
  • Lending: Users lend AUT on a protocol earning 4%, platform charges 0.5% as protocol fee.
  • Staking: Users stake AUT to secure liquidity pools, platform earns a share of transaction fees.
  • Borrowing: Users borrow stablecoins against AUT collateral, with a protocol origination fee.
Custodial & Management Fees
Annualized Custody Fees
For all non-redeemed gold holdings backing minted AUT tokens, an annual custody fee is charged to cover:
  • Vault storage
  • Insurance premiums
  • Audit fees
  • Logistics & compliance overhead
Institutional Partnerships
Revenue from institutional gold leasing or structured gold-backed financial products, including:
  • Leasing allocated gold to banks or bullion trading desks for yield
  • Facilitating gold-backed credit facilities for institutional partners
  • Strategic management fees from white-labeled tokenisation of gold assets
Revenue Stream Strengths
These diversified revenue streams ensure robust financial sustainability, resilience against market cycles, and a scalable business model attractive to institutional and retail investors alike.
From €100M to €360B+ in 5 Years
AUT is uniquely positioned to transform a modest €100M startup capital into an unmatched €360B+ cumulative net cash flow within just 5 years.
Initial capital allocation is strategically structured across legal setup, gold foundation structuring, technology development, marketing, gold liquidity management, and operational readiness.
Foundation
Year 1 sets the foundation, launching with only 20% tokenisation of AUT's gold reserves, yet already delivering $19B net profit driven by:
  • Transaction velocity
  • Minting fees
  • DeFi revenue spreads
Scaling Growth
Each subsequent year scales proportionally, with tokenisation increasing by 20% annually to 5th year, operational costs rising modestly, but revenue scaling exponentially due to:
  • Rising gold prices (3% CAGR)
  • High velocity (150x turnover)
  • Expanding fee revenues and DeFi staking spreads
Year 5 Achievement
$636B
Tokenised Gold Value
$96.71B
Annual Net Profit
$366.33B
Cumulative Cash Flow
Effectively turning the initial €100M capital into >3,600x compounded cash flow returns within just 5 years
Key Strategic Drivers
Gold Reserve Leveraging
Full 6,000-ton gold reserve leveraging
Fee-based Revenue
Fee-based revenue scaling with token adoption
Operational Efficiency
Minimal incremental operational costs relative to revenue growth
In summary, AUT's disciplined capital allocation and scalable tokenisation model ensures extraordinary ROI for early investors, de-risked by gold's intrinsic value and powered by blockchain velocity and DeFi integration.
Thank You
Aurum Token
The World's Digital Gold Standard