SOLID - Hard Assets Wealth Management
SOLID - Hard Assets Wealth Management
A trusted digital vault for your hard-asset portfolio
A trusted digital vault for your hard-asset portfolio
01 Overview
01 Overview
Solid is GRF’s platform for building and managing wealth in hard assets: gold, Bitcoin, stablecoins, and insured cash.
Solid is GRF’s platform for building and managing wealth in hard assets: gold, Bitcoin, stablecoins, and insured cash.
It provides clients with a single system to allocate, monitor, and redeem tangible value, backed by custody transparency and automated rebalancing.
It provides clients with a single system to allocate, monitor, and redeem tangible value, backed by custody transparency and automated rebalancing.
Unlike speculative platforms, Solid is designed for preservation and steady growth. Every deposit, transfer, or redemption becomes a verifiable claim of value anchored in both digital and physical reserves.
Unlike speculative platforms, Solid is designed for preservation and steady growth. Every deposit, transfer, or redemption becomes a verifiable claim of value anchored in both digital and physical reserves.
The platform addresses the need for tangible and trustable value in an era of financial abstraction by blending the resilience of traditional hard assets with the flexibility of modern digital finance.
The platform addresses the need for tangible and trustable value in an era of financial abstraction by blending the resilience of traditional hard assets with the flexibility of modern digital finance.
The goal: create portfolios that users can trust, visualize, and redeem, making hard assets practical for everyday financial management.
The goal: create portfolios that users can trust, visualize, and redeem, making hard assets practical for everyday financial management.
02 Core Idea
02 Core Idea
A hard-asset portfolio manager: all holdings in one dashboard, automated and auditable.
A hard-asset portfolio manager: all holdings in one dashboard, automated and auditable.
Gold: Insured, vaulted, and tokenized for flexibility.
Digital Gold: Tokenized representations (PAXG or similar) for fractional access.
Bitcoin: Custody with proof-of-reserves and wrapped forms for liquidity.
Wrapped BTC: BTC in programmable form for seamless transfers and yield strategies.
Cash & Stablecoins: Regulated partners, FDIC-insured accounts, and audited reserves.
Gold & Bitcoin (bonded units): Dual-anchored value combining physical and digital trust.
Solid Trust Score
Every asset and portfolio is evaluated through a composite metric that factors:
-Custody transparency (vault audits, proof-of-reserves).
-Redemption readiness (speed and reliability of withdrawals).
-Counterparty resilience (insurance coverage, compliance status).
-Historical performance (portfolio stability and redemption record).
Scores update dynamically, giving users a confidence rating on both individual assets and their total vault.
Solid Trust Score
Every asset and portfolio is evaluated through a composite metric that factors:
-Custody transparency (vault audits, proof-of-reserves).
-Redemption readiness (speed and reliability of withdrawals).
-Counterparty resilience (insurance coverage, compliance status).
-Historical performance (portfolio stability and redemption record).
Scores update dynamically, giving users a confidence rating on both individual assets and their total vault.
Reporting via Memory Graph
Every user action (deposit, rebalance, redemption) becomes a node in a portfolio memory graph.
-Graph edges link transactions by time, asset type, and custody source.
-Users can query their portfolio history visually: not just balances, but how trust, allocations, and redemption proofs evolved over time.
This turns Solid from a static ledger into a living memory of wealth decisions fully auditable, easy to visualize, and resilient across time.
Reporting via Memory Graph
Every user action (deposit, rebalance, redemption) becomes a node in a portfolio memory graph.
-Graph edges link transactions by time, asset type, and custody source.
-Users can query their portfolio history visually: not just balances, but how trust, allocations, and redemption proofs evolved over time.
This turns Solid from a static ledger into a living memory of wealth decisions fully auditable, easy to visualize, and resilient across time.
Functionally, Solid operates as a financial CRM, a subsystem that securely manages all of a user's hard-asset holdings, transaction histories, and economic actions within a single, coherent profile. A cornerstone of the platform is trust, which is engineered through integrated compliance (KYC/AML), on-chain proof of reserves for digital assets, and insured physical vaulting for assets like gold.
Functionally, Solid operates as a financial CRM, a subsystem that securely manages all of a user's hard-asset holdings, transaction histories, and economic actions within a single, coherent profile. A cornerstone of the platform is trust, which is engineered through integrated compliance (KYC/AML), on-chain proof of reserves for digital assets, and insured physical vaulting for assets like gold.
03 Research background & intellectual lineage
03 Research background & intellectual lineage
Solid is not just a fintech product; it is rooted in a long arc of monetary history, cultural meaning, and systems engineering. Its design draws from four intellectual and practical streams:
Solid is not just a fintech product; it is rooted in a long arc of monetary history, cultural meaning, and systems engineering. Its design draws from four intellectual and practical streams:
Philosophical and Cultural Roots
Gold has always been more than metal: it is elemental, sacred, and symbolic — associated with purity, trust, and permanence across civilizations. From temples to treasuries, gold has represented continuity through uncertainty.
Bitcoin extends this cultural lineage into the digital era, functioning as “digital gold”: scarce, programmable, and censorship-resistant.
Solid integrates both into a single framework, giving savers and investors an anchor that is simultaneously ancient and modern, physical and digital.
Philosophical and Cultural Roots
Gold has always been more than metal: it is elemental, sacred, and symbolic — associated with purity, trust, and permanence across civilizations. From temples to treasuries, gold has represented continuity through uncertainty.
Bitcoin extends this cultural lineage into the digital era, functioning as “digital gold”: scarce, programmable, and censorship-resistant.
Solid integrates both into a single framework, giving savers and investors an anchor that is simultaneously ancient and modern, physical and digital.
Systems and Asset Architecture
The Gold-BTC Tangible Asset System Design establishes the technical core: tokens that represent gold mass with optional Bitcoin bonds. This dual anchoring provides redundancy — if one trust anchor is stressed (fiat instability, crypto volatility), the other balances.
Every action: mint, bond, redeem — is logged as a verifiable event, producing not only a financial record but an auditable memory layer of wealth.
Unlike derivatives or synthetic exposures, Solid only recognizes primary hard assets: gold, wrapped BTC, digital gold and stables
Systems and Asset Architecture
The Gold-BTC Tangible Asset System Design establishes the technical core: tokens that represent gold mass with optional Bitcoin bonds. This dual anchoring provides redundancy — if one trust anchor is stressed (fiat instability, crypto volatility), the other balances.
Every action: mint, bond, redeem — is logged as a verifiable event, producing not only a financial record but an auditable memory layer of wealth.
Unlike derivatives or synthetic exposures, Solid only recognizes primary hard assets: gold, wrapped BTC, digital gold and stables
Product and Market Lineage
The Solid (GRF Product) framework situates Solid as a wealth manager for hard assets only. Unlike other exchanges, it does not dilute focus with equities or speculative tokens.
The platform differentiates through custody, transparency, and clarity of reporting: audited gold, proof-of-reserves for BTC, and FDIC insurance for cash.
Its digital wealth dashboard combines these holdings with tools for simulation, goal tracking, and education — making hard assets intuitive to manage for first-time gold buyers and seasoned savers alike.
Product and Market Lineage
The Solid (GRF Product) framework situates Solid as a wealth manager for hard assets only. Unlike other exchanges, it does not dilute focus with equities or speculative tokens.
The platform differentiates through custody, transparency, and clarity of reporting: audited gold, proof-of-reserves for BTC, and FDIC insurance for cash.
Its digital wealth dashboard combines these holdings with tools for simulation, goal tracking, and education — making hard assets intuitive to manage for first-time gold buyers and seasoned savers alike.
Collective Memory and Governance Roots
The Solid blueprint extends Solid beyond finance into governance and shared memory. Gold artifacts (coins, bills, marbles) with BTC bonding create physical tokens of memory: tangible assets tied to digital claims.
Each token becomes a node in the Solid memory graph, linking value, provenance, and trust across time.
Governance follows a Let Us Win ladder: from manual issuance, to arcade exchanges, to a global DAO overseeing minting, redemption, and smelting. This ensures that Solid not only manages wealth but also sustains collective trust through self-correcting mechanisms.
Collective Memory and Governance Roots
The Solid blueprint extends Solid beyond finance into governance and shared memory. Gold artifacts (coins, bills, marbles) with BTC bonding create physical tokens of memory: tangible assets tied to digital claims.
Each token becomes a node in the Solid memory graph, linking value, provenance, and trust across time.
Governance follows a Let Us Win ladder: from manual issuance, to arcade exchanges, to a global DAO overseeing minting, redemption, and smelting. This ensures that Solid not only manages wealth but also sustains collective trust through self-correcting mechanisms.
Trust as Quantitative Memory
Solid introduces the Solid Trust Score: a composite measure of custody transparency, redemption performance, and counterparty resilience.
This score evolves with each transaction and is embedded in the memory graph, allowing individuals and communities to see not just their balances, but the trajectory of their trustworthiness over time.
Trust as Quantitative Memory
Solid introduces the Solid Trust Score: a composite measure of custody transparency, redemption performance, and counterparty resilience.
This score evolves with each transaction and is embedded in the memory graph, allowing individuals and communities to see not just their balances, but the trajectory of their trustworthiness over time.
04 Process & methodology
04 Process & methodology
Solid's methodology combines a seamless user experience with a robust operational backend that ensures security and compliance.
Solid's methodology combines a seamless user experience with a robust operational backend that ensures security and compliance.
Surface
Surface
From the user's perspective, the process is designed for clarity and control:
From the user's perspective, the process is designed for clarity and control:
Onboarding: Users create a single, verified account through a guided process that includes integrated Know-Your-Customer (KYC) checks to establish a trusted financial identity.
Portfolio Management: Users fund their accounts by linking traditional payment methods or depositing digital assets. They then interact with a unified dashboard to build, visualize, and manage their hard-asset portfolio.
Interaction: Users can perform a range of financial actions, including seamlessly swapping between asset classes (e.g. Bitcoin to gold), depositing funds into yield-generating products, and utilizing scenario simulators to model potential portfolio outcomes.
Onboarding: Users create a single, verified account through a guided process that includes integrated Know-Your-Customer (KYC) checks to establish a trusted financial identity.
Portfolio Management: Users fund their accounts by linking traditional payment methods or depositing digital assets. They then interact with a unified dashboard to build, visualize, and manage their hard-asset portfolio.
Interaction: Users can perform a range of financial actions, including seamlessly swapping between asset classes (e.g. Bitcoin to gold), depositing funds into yield-generating products, and utilizing scenario simulators to model potential portfolio outcomes.
Operational
Operational
Behind the scenes, the platform's logic is executed by a secure and compliant wealth management engine:
Behind the scenes, the platform's logic is executed by a secure and compliant wealth management engine:
Asset Management: The system utilizes secure wallets, immutable asset ledgers, and high-performance transaction engines to manage all user financial data.
Verification and Custody: It ensures the integrity of its assets. For example, all gold offered on the platform is physically backed in insured vaults, with corresponding vault receipts recorded immutably within the system.
Compliance and Integration: The platform enforces regulatory compliance through its KYC/AML module and connects to external financial infrastructure, such as traditional banking rails and public blockchain networks, to facilitate deposits, withdrawals, and cross-platform transfers.
Asset Management: The system utilizes secure wallets, immutable asset ledgers, and high-performance transaction engines to manage all user financial data.
Verification and Custody: It ensures the integrity of its assets. For example, all gold offered on the platform is physically backed in insured vaults, with corresponding vault receipts recorded immutably within the system.
Compliance and Integration: The platform enforces regulatory compliance through its KYC/AML module and connects to external financial infrastructure, such as traditional banking rails and public blockchain networks, to facilitate deposits, withdrawals, and cross-platform transfers.
05 UI in practice
Onboarding - define AIM
Define your AIM, choose your rhythm of risk, and watch as Solid turns intention into motion. All anchored in trust, built for longevity.
Home
Track your net worth, explore trusted assets, and and see how Solid keeps your portfolio grounded in reality. All transparently connected.
Portfolio
Track every layer of your net worth — from cash, bitcoin, gold, and the Solid assets that anchor them, both physical (gold) and digital assets.
Explore
Grow with purpose through assets that endure — digital gold, BTC, stables, and Solid’s highest-rated holdings tailored to your AIM.
Assets profiling (stats, verdict, risks)
See every asset through the lens of truth — Solid Score reveals verdicts, risks, and data grounded in market history and real performance.
Learn about Solid
Explore guides and story-based tutorials crafted to help you understand money, markets, and movement — so you can grow your net worth with clarity and confidence.
05 UI in practice
Onboarding - define AIM
Define your AIM, choose your rhythm of risk, and watch as Solid turns intention into motion. All anchored in trust, built for longevity.
Home
Track your net worth, explore trusted assets, and and see how Solid keeps your portfolio grounded in reality. All transparently connected.
Portfolio
Track every layer of your net worth — from cash, bitcoin, gold, and the Solid assets that anchor them, both physical (gold) and digital assets.
Explore
Grow with purpose through assets that endure — digital gold, BTC, stables, and Solid’s highest-rated holdings tailored to your AIM.
Assets profiling (stats, verdict, risks)
See every asset through the lens of truth — Solid Score reveals verdicts, risks, and data grounded in market history and real performance.
Learn about Solid
Explore guides and story-based tutorials crafted to help you understand money, markets, and movement — so you can grow your net worth with clarity and confidence.
05 UI in practice
Onboarding - define AIM
Define your AIM, choose your rhythm of risk, and watch as Solid turns intention into motion. All anchored in trust, built for longevity.
Home
Track your net worth, explore trusted assets, and and see how Solid keeps your portfolio grounded in reality. All transparently connected.
Portfolio
Track every layer of your net worth — from cash, bitcoin, gold, and the Solid assets that anchor them, both physical (gold) and digital assets.
Explore
Grow with purpose through assets that endure — digital gold, BTC, stables, and Solid’s highest-rated holdings tailored to your AIM.
Assets profiling (stats, verdict, risks)
See every asset through the lens of truth — Solid Score reveals verdicts, risks, and data grounded in market history and real performance.
Learn about Solid
Explore guides and story-based tutorials crafted to help you understand money, markets, and movement — so you can grow your net worth with clarity and confidence.
06 System architecture
06 System architecture
Layers & components
Layers & components
Custody Layer
gold vaults, BTC cold storage, stablecoin partners, FDIC-insured cash.
Custody Layer
gold vaults, BTC cold storage, stablecoin partners, FDIC-insured cash.
Portfolio Engine
allocation targets, auto-rebalancing logic, yield routing.
Portfolio Engine
allocation targets, auto-rebalancing logic, yield routing.
Transparency Layer
on-chain proof-of-reserve for crypto, third-party gold audits, quarterly reports.
Transparency Layer
on-chain proof-of-reserve for crypto, third-party gold audits, quarterly reports.
Trust Graph
records user claims (allocations, redemptions, transfers) with provenance.
Trust Graph
records user claims (allocations, redemptions, transfers) with provenance.
Agent Layer
monitors risk, triggers rebalance, flags anomalies.
Agent Layer
monitors risk, triggers rebalance, flags anomalies.
07 Use cases & proposed pilots
07 Use cases & proposed pilots
Solid is positioned to serve a range of use cases at the intersection of traditional finance and the digital asset economy.
Solid is positioned to serve a range of use cases at the intersection of traditional finance and the digital asset economy.
Use Cases:
Unified Hard-Asset Management: The primary use case is providing individuals with a single, trusted platform to manage their portfolio of bitcoin, gold, and other stable assets.
Wealth Preservation: Serving users who seek to hedge against the volatility of traditional markets and inflation by holding tangible or physically-backed assets.
Fintech-as-a-Service: Offering its capabilities via API to financial partners, such as credit unions, allowing them to provide hard-asset services to their own clients.
Digital Asset Issuance: Functioning as a platform for launching new and innovative asset-backed tokens, such as fractionalized and tokenized gold NFTs.
Use Cases:
Unified Hard-Asset Management: The primary use case is providing individuals with a single, trusted platform to manage their portfolio of bitcoin, gold, and other stable assets.
Wealth Preservation: Serving users who seek to hedge against the volatility of traditional markets and inflation by holding tangible or physically-backed assets.
Fintech-as-a-Service: Offering its capabilities via API to financial partners, such as credit unions, allowing them to provide hard-asset services to their own clients.
Digital Asset Issuance: Functioning as a platform for launching new and innovative asset-backed tokens, such as fractionalized and tokenized gold NFTs.
Proposed Pilots:
A pilot program with a partner credit union or a select group of early adopters to launch the MVP, seed initial Assets Under Management (AUM), and gather feedback.
A dedicated launch of tokenized, fractional gold NFTs as a pilot to attract crypto-native investors and demonstrate the platform's capability for creating and managing novel, asset-backed digital instruments.
Proposed Pilots:
A pilot program with a partner credit union or a select group of early adopters to launch the MVP, seed initial Assets Under Management (AUM), and gather feedback.
A dedicated launch of tokenized, fractional gold NFTs as a pilot to attract crypto-native investors and demonstrate the platform's capability for creating and managing novel, asset-backed digital instruments.
08 Closing Insight
08 Closing Insight
Solid represents a deliberate return to the foundational principles of value in an era of increasing financial abstraction. As skepticism towards fiat inflation grows and interest in "digital gold" narratives gains traction, Solid is positioned as a timely and necessary solution. Its core mission is to bridge the gap between the timeless security of physical assets and the efficiency of modern digital finance, creating a haven of hard assets and smart automation that guides user wealth like a compass.
The platform is more than a financial tool; it is a "modern strongbox" and a "personalized fortress of preserved value," built on the pillars of transparency, trust, and user control. By focusing exclusively on verifiable assets and providing top-tier security, Solid stands to empower both first-time buyers and seasoned wealth builders to create portfolios they can both trust and see grow. This initiative is not a step back to the past but a move "forward to the foundation," re-establishing a tangible and resilient base layer for wealth in a volatile world. Ultimately, Solid is envisioned as the wealth manager for the hard asset era, designed for clients who believe that real wealth still matters.
Solid represents a deliberate return to the foundational principles of value in an era of increasing financial abstraction. As skepticism towards fiat inflation grows and interest in "digital gold" narratives gains traction, Solid is positioned as a timely and necessary solution. Its core mission is to bridge the gap between the timeless security of physical assets and the efficiency of modern digital finance, creating a haven of hard assets and smart automation that guides user wealth like a compass.
The platform is more than a financial tool; it is a "modern strongbox" and a "personalized fortress of preserved value," built on the pillars of transparency, trust, and user control. By focusing exclusively on verifiable assets and providing top-tier security, Solid stands to empower both first-time buyers and seasoned wealth builders to create portfolios they can both trust and see grow. This initiative is not a step back to the past but a move "forward to the foundation," re-establishing a tangible and resilient base layer for wealth in a volatile world. Ultimately, Solid is envisioned as the wealth manager for the hard asset era, designed for clients who believe that real wealth still matters.
× Ante, L. (2021). The non-fungible token (NFT) market and its relationship with Bitcoin and Ethereum. FinTech, 1(3), 216-224. https://doi.org/10.3390/fintech1030017
× Chen, Y., & Bellavitis, C. (2020). Blockchain’s disruptive potential for the financial industry: A systematic review. Journal of Business Venturing Insights, 13, e00161. https://doi.org/10.1016/j.jbvi.2020.e00161
× Dyhrberg, A. H. (2016). Bitcoin, gold and the dollar – A GARCH volatility analysis. Finance Research Letters, 16, 85-92. https://doi.org/10.1016/j.frl.2015.10.008
× Gomber, P., Koch, J. A., & Siering, M. (2017). Digital Finance and FinTech: current research and future research directions. Journal of Business Economics, 87(5), 537-580. https://doi.org/10.1007/s11573-017-0852-x
× Bogdanov, D., Gorbunov, S., & Kamm, L. (2020). Resilient custody of crypto-assets and threshold multisignatures. Mathematics, 8(10), 1773. https://doi.org/10.3390/math8101773
× Blum, A., Clarke, D., & Narayanan, A. (2022). Formal verification of Bitcoin script. arXiv. https://arxiv.org/abs/2203.03054
× Distributed Lab. (n.d.). Technological details of Bitcoin operation. GitHub. https://github.com/distributed-lab/blockchain-and-decentralized-systems-book/blob/main/chapters/volume-1/en/4-technological-details-of-bitcoin-operation.md
× Bitcoinist. (2016, March 16). Denarium introduces world’s first multisig physical bitcoin. https://bitcoinist.com/denarium-introduces-worlds-first-multisig-physical-bitcoin/
× Marin, M., & González, J. A. (2020). Design and implementation of a physical Bitcoin coin with embedded cryptographic key. Proceedings, 54(1), 21. https://doi.org/10.3390/proceedings2020054021
× Charfeddine, L., & Maouchi, Y. (2024). Can gold-backed cryptocurrencies have dynamic hedging and safe-haven abilities against DeFi and NFT assets? Journal of Risk and Financial Management, 17(1), Article 5. https://doi.org/10.1016/j.jrfm.2024.01.005
× Harrigan, M., & Fretter, C. (2016). The unreasonable effectiveness of address clustering. arXiv. https://arxiv.org/abs/1605.06369
× Crowther, G. (1941). An Outline of Money. Thomas Nelson & Sons.
× Green, T. (2007). The ages of gold: A history of gold and its role in civilization. Praeger.
SOLID - Hard Assets Wealth Management
A trusted digital vault for your hard-asset portfolio
01 Overview
Solid is GRF’s platform for building and managing wealth in hard assets: gold, Bitcoin, stablecoins, and insured cash.
It provides clients with a single system to allocate, monitor, and redeem tangible value, backed by custody transparency and automated rebalancing.
Unlike speculative platforms, Solid is designed for preservation and steady growth. Every deposit, transfer, or redemption becomes a verifiable claim of value anchored in both digital and physical reserves.
The platform addresses the need for tangible and trustable value in an era of financial abstraction by blending the resilience of traditional hard assets with the flexibility of modern digital finance.
The goal: create portfolios that users can trust, visualize, and redeem, making hard assets practical for everyday financial management.
02 Core Idea
A hard-asset portfolio manager: all holdings in one dashboard, automated and auditable.
Gold: Insured, vaulted, and tokenized for flexibility.
Digital Gold: Tokenized representations (PAXG or similar) for fractional access.
Bitcoin: Custody with proof-of-reserves and wrapped forms for liquidity.
Wrapped BTC: BTC in programmable form for seamless transfers and yield strategies.
Cash & Stablecoins: Regulated partners, FDIC-insured accounts, and audited reserves.
Gold & Bitcoin (bonded units): Dual-anchored value combining physical and digital trust.
Solid Trust Score
Every asset and portfolio is evaluated through a composite metric that factors:
-Custody transparency (vault audits, proof-of-reserves).
-Redemption readiness (speed and reliability of withdrawals).
-Counterparty resilience (insurance coverage, compliance status).
-Historical performance (portfolio stability and redemption record).
Scores update dynamically, giving users a confidence rating on both individual assets and their total vault.
Reporting via Memory Graph
Every user action (deposit, rebalance, redemption) becomes a node in a portfolio memory graph.
-Graph edges link transactions by time, asset type, and custody source.
-Users can query their portfolio history visually: not just balances, but how trust, allocations, and redemption proofs evolved over time.
This turns Solid from a static ledger into a living memory of wealth decisions fully auditable, easy to visualize, and resilient across time.
Functionally, Solid operates as a financial CRM, a subsystem that securely manages all of a user's hard-asset holdings, transaction histories, and economic actions within a single, coherent profile. A cornerstone of the platform is trust, which is engineered through integrated compliance (KYC/AML), on-chain proof of reserves for digital assets, and insured physical vaulting for assets like gold.
03 Research background & intellectual lineage
Solid is not just a fintech product; it is rooted in a long arc of monetary history, cultural meaning, and systems engineering. Its design draws from four intellectual and practical streams:
Philosophical and Cultural Roots
Gold has always been more than metal: it is elemental, sacred, and symbolic — associated with purity, trust, and permanence across civilizations. From temples to treasuries, gold has represented continuity through uncertainty.
Bitcoin extends this cultural lineage into the digital era, functioning as “digital gold”: scarce, programmable, and censorship-resistant.
Solid integrates both into a single framework, giving savers and investors an anchor that is simultaneously ancient and modern, physical and digital.
Systems and Asset Architecture
The Gold-BTC Tangible Asset System Design establishes the technical core: tokens that represent gold mass with optional Bitcoin bonds. This dual anchoring provides redundancy — if one trust anchor is stressed (fiat instability, crypto volatility), the other balances.
Every action: mint, bond, redeem — is logged as a verifiable event, producing not only a financial record but an auditable memory layer of wealth.
Unlike derivatives or synthetic exposures, Solid only recognizes primary hard assets: gold, wrapped BTC, digital gold and stables
Product and Market Lineage
The Solid (GRF Product) framework situates Solid as a wealth manager for hard assets only. Unlike other exchanges, it does not dilute focus with equities or speculative tokens.
The platform differentiates through custody, transparency, and clarity of reporting: audited gold, proof-of-reserves for BTC, and FDIC insurance for cash.
Its digital wealth dashboard combines these holdings with tools for simulation, goal tracking, and education — making hard assets intuitive to manage for first-time gold buyers and seasoned savers alike.
Collective Memory and Governance Roots
The Solid blueprint extends Solid beyond finance into governance and shared memory. Gold artifacts (coins, bills, marbles) with BTC bonding create physical tokens of memory: tangible assets tied to digital claims.
Each token becomes a node in the Solid memory graph, linking value, provenance, and trust across time.
Governance follows a Let Us Win ladder: from manual issuance, to arcade exchanges, to a global DAO overseeing minting, redemption, and smelting. This ensures that Solid not only manages wealth but also sustains collective trust through self-correcting mechanisms.
Trust as Quantitative Memory
Solid introduces the Solid Trust Score: a composite measure of custody transparency, redemption performance, and counterparty resilience.
This score evolves with each transaction and is embedded in the memory graph, allowing individuals and communities to see not just their balances, but the trajectory of their trustworthiness over time.
04 Process & methodology
Solid's methodology combines a seamless user experience with a robust operational backend that ensures security and compliance.
Surface
From the user's perspective, the process is designed for clarity and control:
Onboarding: Users create a single, verified account through a guided process that includes integrated Know-Your-Customer (KYC) checks to establish a trusted financial identity.
Portfolio Management: Users fund their accounts by linking traditional payment methods or depositing digital assets. They then interact with a unified dashboard to build, visualize, and manage their hard-asset portfolio.
Interaction: Users can perform a range of financial actions, including seamlessly swapping between asset classes (e.g. Bitcoin to gold), depositing funds into yield-generating products, and utilizing scenario simulators to model potential portfolio outcomes.
Operational
Behind the scenes, the platform's logic is executed by a secure and compliant wealth management engine:
Asset Management: The system utilizes secure wallets, immutable asset ledgers, and high-performance transaction engines to manage all user financial data.
Verification and Custody: It ensures the integrity of its assets. For example, all gold offered on the platform is physically backed in insured vaults, with corresponding vault receipts recorded immutably within the system.
Compliance and Integration: The platform enforces regulatory compliance through its KYC/AML module and connects to external financial infrastructure, such as traditional banking rails and public blockchain networks, to facilitate deposits, withdrawals, and cross-platform transfers.
05 UI in practice
Onboarding - define AIM
Define your AIM, choose your rhythm of risk, and watch as Solid turns intention into motion. All anchored in trust, built for longevity.
Home
Track your net worth, explore trusted assets, and and see how Solid keeps your portfolio grounded in reality. All transparently connected.
Portfolio
Track every layer of your net worth — from cash, bitcoin, gold, and the Solid assets that anchor them, both physical (gold) and digital assets.
Explore
Grow with purpose through assets that endure — digital gold, BTC, stables, and Solid’s highest-rated holdings tailored to your AIM.
Assets profiling (stats, verdict, risks)
See every asset through the lens of truth — Solid Score reveals verdicts, risks, and data grounded in market history and real performance.
Learn about Solid
Explore guides and story-based tutorials crafted to help you understand money, markets, and movement — so you can grow your net worth with clarity and confidence.
06 System architecture
Layers & components
Custody Layer
gold vaults, BTC cold storage, stablecoin partners, FDIC-insured cash.
Portfolio Engine
allocation targets, auto-rebalancing logic, yield routing.
Transparency Layer
on-chain proof-of-reserve for crypto, third-party gold audits, quarterly reports.
Trust Graph
records user claims (allocations, redemptions, transfers) with provenance.
Agent Layer
monitors risk, triggers rebalance, flags anomalies.
07 Use cases & proposed pilots
Solid is positioned to serve a range of use cases at the intersection of traditional finance and the digital asset economy.
Use Cases:
Unified Hard-Asset Management: The primary use case is providing individuals with a single, trusted platform to manage their portfolio of bitcoin, gold, and other stable assets.
Wealth Preservation: Serving users who seek to hedge against the volatility of traditional markets and inflation by holding tangible or physically-backed assets.
Fintech-as-a-Service: Offering its capabilities via API to financial partners, such as credit unions, allowing them to provide hard-asset services to their own clients.
Digital Asset Issuance: Functioning as a platform for launching new and innovative asset-backed tokens, such as fractionalized and tokenized gold NFTs.
Proposed Pilots:
A pilot program with a partner credit union or a select group of early adopters to launch the MVP, seed initial Assets Under Management (AUM), and gather feedback.
A dedicated launch of tokenized, fractional gold NFTs as a pilot to attract crypto-native investors and demonstrate the platform's capability for creating and managing novel, asset-backed digital instruments.
08 Closing Insight
Solid represents a deliberate return to the foundational principles of value in an era of increasing financial abstraction. As skepticism towards fiat inflation grows and interest in "digital gold" narratives gains traction, Solid is positioned as a timely and necessary solution. Its core mission is to bridge the gap between the timeless security of physical assets and the efficiency of modern digital finance, creating a haven of hard assets and smart automation that guides user wealth like a compass.
The platform is more than a financial tool; it is a "modern strongbox" and a "personalized fortress of preserved value," built on the pillars of transparency, trust, and user control. By focusing exclusively on verifiable assets and providing top-tier security, Solid stands to empower both first-time buyers and seasoned wealth builders to create portfolios they can both trust and see grow. This initiative is not a step back to the past but a move "forward to the foundation," re-establishing a tangible and resilient base layer for wealth in a volatile world. Ultimately, Solid is envisioned as the wealth manager for the hard asset era, designed for clients who believe that real wealth still matters.
× Ante, L. (2021). The non-fungible token (NFT) market and its relationship with Bitcoin and Ethereum. FinTech, 1(3), 216-224. https://doi.org/10.3390/fintech1030017
× Chen, Y., & Bellavitis, C. (2020). Blockchain’s disruptive potential for the financial industry: A systematic review. Journal of Business Venturing Insights, 13, e00161. https://doi.org/10.1016/j.jbvi.2020.e00161
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