RCCoin Whitepaper

Blueprint for the membership credit powering anonymous payments, escrow workflows, and regulator-proof attestations.

Version 1.0 · Updated 18 Nov 2025.

Token Overview

RCCoin is a non-transferable membership credit used to pre-fund legal retainers, dispute reserves, and concierge services.
Supply is minted on demand when a membership deposit clears compliance. Burns occur when refunds are executed or milestones consume less than budgeted.
Treasury wallets are multi-sig (Polygon zkEVM, Ethereum mainnet, Bitcoin). Clients co-sign with RCPCP to release funds.

Deposits convert to RCCoin or lock as USDC/USDT/BTC in the relevant network’s multi-sig. Each deposit is tagged with a reference hash tied to an anonymised client record.
Milestones map to vault partitions. When counsel and client approve, smart contracts release funds to designated addresses or reconvert to RCCoin credits.
Dispute reserves remain frozen until arbitration concludes. Transparency proofs (Merkle attestations) are published weekly for auditors.

All deposits pass KYT and sanctions screening. Suspicious transactions trigger manual review and potential STR filings.
Named & pseudonymous tiers may require additional KYC; anonymous tier relies on DID attestation and wallet provenance until regulators compel otherwise.
Ledger entries are hashed to public chains without linking to personal identifiers, satisfying GDPR/MiCA data-minimisation requirements.

Tier upgrades: RCCoin balances unlock faster SLAs, dispute coverage, and RCCoin co-investment queues.
Governance: future DAO-style oversight lets Lord/Partner members vote on treasury allocation and policy updates.
RWA / credit products: under exploration for 2026 once regulators approve tokenised service credits.

Next steps

Activate sealed intake, or invite our payments team to brief your CFO on the RCCoin lifecycle.