Heleos Tokenized Deposit Denominations

Technical Documentation - Version 1.0 | Effective Date: April 3, 2026

This document describes the current-state technical architecture of the Heleos IO denomination system. Certain properties described herein (including consensus staking scope, transaction fee structure, and basket composition) are subject to change as the platform evolves. Updates will be reflected in subsequent versions of this documentation.

Overview

IO Denomination System

The Heleos blockchain supports a family of tokenized deposit denominations operating through the StableNow banking integration platform. Each denomination represents a bank-issued tokenized deposit in a specific sovereign currency, recorded on the Heleos distributed ledger rather than a traditional banking database.

Denominations are implemented as first-class assets in the Heleos x/stablecoin module. Each denomination is compiled into the chain binary, registered with the bank module, and fully operational for mint, burn, transfer, and query operations under authority-controlled issuance.

StableNow is a globally-uniform integration platform. A partner bank in any jurisdiction connects to the denomination corresponding to its local currency through the same technical integration process. Denomination availability at the infrastructure layer is independent of bank partnership status - the technology operates from genesis and accepts new bank integrations as partnerships are executed.

On-Chain

Supported Denominations

The following denominations are live on the Heleos blockchain - 1 native staking token and 9 stablecoin module denominations.

MarkOn-Chain DenominationNameModule
OSuosHeleos (native)staking
USDIOuusdioHeleos US Dollarx/stablecoin
EURIOueurioHeleos Eurox/stablecoin
JPYIOujpyioHeleos Japanese Yenx/stablecoin
GBPIOugbpioHeleos British Poundx/stablecoin
AUSIOuausioHeleos Australian Dollarx/stablecoin
CADIOucadioHeleos Canadian Dollarx/stablecoin
CHFIOuchfioHeleos Swiss Francx/stablecoin
SGDIOusgdioHeleos Singapore Dollarx/stablecoin
IOuioHeleos Multi-Currency Basketx/stablecoin

Source: x/stablecoin/types/currencies.go

Native Token

Native Token

The OS token powers the Heleos blockchain - consensus, gas fees, and Stake for Access across all ecosystem platforms.

Architecture

Common Technical Architecture

All IO denominations share the following technical characteristics.

Decimal Precision

Each denomination uses 6 decimal places. The base unit is the micro-denomination. 1 USDIO = 1,000,000 uusdio. 1 EURIO = 1,000,000 ueurio. This pattern is uniform across all denominations.

Issuance Authority

Mint and burn operations are restricted to the stablecoin authority address defined in the x/stablecoin module. Unauthorized mint or burn transactions are rejected at the module layer before reaching consensus. This authority model is the foundation of the tokenized deposit architecture - only parties authorized by the module may expand or contract the denomination supply.

Transfer Model

Once minted and distributed to a bank's custody address, denominations are freely transferable between Heleos blockchain addresses subject to standard bank module rules.

Consensus Staking

The native OS token is the sole asset participating in consensus staking, maintaining a clear separation between the ecosystem's consensus token and the tokenized deposit denominations. The staking architecture is designed to support additional denomination-level staking mechanisms for non-consensus purposes (such as platform access tier participation) in future protocol versions.

Transaction Fees

IO denominations are currently exempt from the Heleos ecosystem transaction fee applied to non-stablecoin transfers. Transfers of any IO denomination do not incur the ecosystem fee under the present fee model, enabling efficient high-volume deposit operations during the initial integration phase of the StableNow platform. The fee model is subject to evolution as the network matures and as denomination-native gas accounting is introduced in future protocol versions.

Query Access

All denominations are queryable through gRPC, REST, and CLI endpoints via the standard bank query interface. Supply, balance, and denomination metadata are publicly readable.

Integration

Integration Path

Any banking institution worldwide can integrate with the IO denomination corresponding to its operating currency through the StableNow platform. The integration process is technically uniform across jurisdictions:

  1. Letter of Intent. The partner bank executes an LOI with Heleos, LLC specifying the target denomination and target integration timeline.
  2. Regulatory Alignment. The partner bank confirms its regulatory standing in its home jurisdiction for deposit tokenization, coordinating with its primary regulator as required by local law.
  3. StableNow Platform Configuration. Heleos configures the StableNow platform for the partner bank's deposit tokenization workflows, including custody address assignment, authority delegation model, and operational reporting.
  4. Technical Integration. The partner bank's systems integrate with StableNow through the documented API surface. Integration scope includes deposit tokenization triggers, redemption workflows, reconciliation feeds, and audit reporting.
  5. Operational Launch. The partner bank begins tokenizing customer deposits in its home currency, minted as the corresponding IO denomination under its operational control.

The technology infrastructure is identical across denominations. A Eurozone bank integrating EURIO executes the same technical integration process as a US bank integrating USDIO. The only jurisdictional differences occur at the regulatory alignment layer, which is the partner bank's responsibility within its operating jurisdiction.

Reference

Source Documentation

For developers and integration partners requiring source-level technical information:

  • Module Source: x/stablecoin/ (types, keeper, module handlers)
  • Currency Registry: x/stablecoin/types/currencies.go
  • Authority Configuration: x/stablecoin/keeper/authority.go
  • Basket Composition Logic: x/stablecoin/keeper/basket.go
  • Protobuf Definitions: proto/heleos/stablecoin/v1/
  • Integration SDK: Available to partner institutions under execution of platform license

The Heleos blockchain and StableNow platform are built with CometBFT consensus. Technical integration follows standard patterns for any institution familiar with the ecosystem.

Financial infrastructure for the real world.