CONFIDENTIAL & PROPRIETARY - FOR LIMITED DISTRIBUTION
CONFIDENTIAL & PROPRIETARY - FOR LIMITED DISTRIBUTION
USTreasury | GOLD SERIES
An Infrastructure Initiative, i) facilitated by FlexGIA™ Reference Series backed by US Treasury obligations, cash, cash equivalents, gold bullion and gold coin; ii) designed to support digital transformation of mining operations and practices, iii) enhancing miner health, working conditions, and environmental remediation; iv) with a focus on more than 20 million ASGM miners and their Communities, synergistic with United Nations planetGOLD mercury remediation and other similar mining objectives.
AD&C Principals have advised on more than USD$75 billion in assets portfolios, participated in more than USD$5 billion in structured portfolios, operated one of the top US municipal government interdealer brokerage operations, and funded development and implementation of a wide range of institutional and multi-disciplinary infrastructure utilities, new innovations and digital technologies, from more than 50 unique locations and 150+ core entity collaborators around the globe, supporting thousands of unique Communities ...
Institutional investors face a paradox: safety often means low yield, while higher yield means more risk. The Gold Series FlexGIA™ resolves that tension. Backed by Treasuries, statutory reserves, and gold bullion, it offers Treasury-class safety with an embedded hedge against inflation and systemic shocks. Through the MMM Initiative, FlexGIA™ channels capital and risk mitigation into modernizing mining, eliminating mercury, and strengthening local economies — outcomes that meet sustainable-investment mandates, open new opportunities for central banks and monetary authorities, and deliver tangible benefits to host governments.
MMM INITIATIVE is launching two Ecosystems facilitated by issuance of US Treasury and gold-backed FlexGIA™ Reference Series as a portfolio diversification, floating rate, short duration, insurance company debt obligation, the interest payments and repayment of Principal of which are fully backed by US Treasury obligations and statutory "gold" Reserves designed to provide additional support for USD currency exposures.
IGF Principals, in association with AD&C Principals developed an advanced trust security structure after Black Monday in 1987 and implemented this high credit quality legal infrastructure into law in 1991. FlexGIA™ technologies were patented in the mid 1990s, to operate within this security infrastructure. Early configurations of FlexGIA™ contemplated inclusion of "gold" as a portfolio asset. Subsequent risk analytics concluded an optimal use of "gold" in supporting FlexGIA™ was in a risk mitigation configuration designed for periods with a high probability of significant increases in inflation and interest rates, concurrent with potential for significant global economic collapse, and/or heightened concern related to kinetic destabilisation.
GOLD ECOSYSTEM is designed to initially focus on acquisition of gold bullion to mitigate inflationary risk exposures, USD currency risks and potentially shorten time to FlexGIA™ prepayment, in a Weimar Republic economic scenario, although no assurance can be given.
ARTISANAL • SMALL SCALE ECOSYSTEM is designed to facilitate Community-centric digital and robotic transformation of mining procedures and operations, increase local economic activity, improve miner wellness, and remediate environmental conditions. In addition, an objective is to develop global discovery and production centres to assure long-term sources of gold production, as well as other minerals, metal, and rare earth elements, produced in an environmentally friendly manner, on a sustainable basis.
GOLD ECOSYSTEM's next phase involves collaboration with central banks and monetary authorities to transform gold bullion into unique, branded "gold coins". In addition, the Program is designed to be
synergistic with United Nations planetGOLD mercury-free and local Community campaigns.
FlexETF™, an exchange traded fund designed to enable transfers of FlexGIA™ Gold Initiative Infrastructure Reference Series by Authorised Participants for interests in Gold Ecosystem's FlexETF™.
These marketable exchange traded interests may benefit from a prepayment of FlexGIA™, which may include a means of acquiring "gold coin" under the Program.
Artisanal • Small Scale Mining Ecosystem is designed for application of new robotic technologies and mining methods which are mercury-free, digitally enhanced, with a focus on improving miner health, environmental remediation, and local Community economic expansion. This Ecosystem is also designed to facilitate acquisition of gold produced by artisanal and small scale mining operations at a cost lower than global market pricing. The Ecosystem is also focused on other precious metals, minerals, Rare Earth Elements ("REE") and advanced mining technologies, as well as use of digital intellegences ("AI") in mining.
FlexGIA™ is designed as an institutional-grade reserve instrument. It behaves like a short-duration, senior secured note — but with features that protect portfolios when inflation accelerates, currencies weaken, or kinetic events destabilize markets. Principal plus accrued interest accounting makes it balance-sheet efficient, while daily accrual and annual rate resets keep volatility low. For institutions managing billions, this isn’t a theoretical advantage: it’s a measurable improvement in reserve performance under stress. For regulated parties, FlexGIA™ may qualify for zero or reduced risk-based capital charges, further enhancing its role as a reserve asset.
FlexGIA™ represents a unique form of high quality, long dated, short duration, medium-term debt obligation, the patented technology of which is designed to mitigate market, credit, operations, regulatory, systemic and re-hypothecation risk exposures, increase risk-adjusted returns and for regulated institutional holders, lower risk-based capital requirements.
In addition, FlexGIA™ is a core source of funding, transforming and diversifying portfolio investment risks into US Treasury | Agency | International Financial Institutions credit quality.
USD$1 billion
MMM Initiative Infrastructure Series
(which may be increased based on demand)
Funded through issuance of
Interest crediting spreads above annually reset 1 Year Treasury Index benefit from IAC Insurer's risk mitigation, underwriting and investment activities associated with a wide range of risk transformation, indemnity and investment strategies.
FlexGIA™ is a form of floating rate medium term insurance company debt obligation designed to facilitate unique funding and risk mitigation applications, with each payment of interest and repayment of principal fully supported by eligible government obligations.
The Gold Ecosystem delivers bullion and branded coinage — potentially co-issued with central banks or monetary authorities — establishing premium, traceable value. Parallel to this, the Artisanal Ecosystem funds mercury-free mining and remediation in vulnerable communities, creating ESG credibility for sovereign wealth funds, mining companies, and billionaires who require environmental accountability. Together, the two ecosystems align capital markets with sustainability mandates.
MMM Initiative Infrastructure Reference Series
facilitating
Gold Ecosystem
Artisanal • Small Scale Mining Ecosystem
An Initiative Infrastructure Reference Series of FlexGIA™ is to be issued by an IAC™ Insurer in a minimum amount of USD$1 billion. The size of this Reference Series may be increased from time to time based on demand.
Interest payments and Principal repayment of these 30 year, floating rate, high quality debt obligations are fully backed by US Treasury debt obligations and in addition, are further supported by IAC™ Insurer's statutory "gold Reserves", held by government approved custodians under the Investors Guaranty Fund, Ltd. (Policyholder Reserves) Act, 1991. IAC™ Insurers' obligations have been rated in the top rating category by international rating agencies for more than 30 years.
Periodic interest crediting rate is reset each year between 1 Year Treasury Index and Annual Cap which float within an agreed interest rate Lifetime Cap and Floor. A prepayment of FlexGIA™ is subject to a "look-back, make-whole" prepayment premium designed to achieve an agreed level of compound return established at issuance.
IAC™ Insurer's statutory "gold" Reserves are designed to support prepayment in a hyper-inflation event, as more fully described in applicable Terms Appendix.
FlexGIA™ Reference Series supported by statutory "gold" Reserves are also designed to mitigate various currency risk events and may be a useful addition to a portfolio of diversified Reference Series of FlexGIA™.
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Prospective holders of MMM Initiative Infrastructure FlexGIA™ Reference Series may wish to acquire an interest in the Series, providing a risk mitigation element ("physical gold") designed to address valuation and liquidity in extreme economic conditions.
FlexGIA™ holders may benefit from income stream and timing of prepayment diversification by creating a portfolio of FlexGIA™ Reference Series, which may include "gold" backed Reference Series.
Each Diversified Portfolio Series expands the FlexGIA™ framework beyond a single issuance. By holding multiple series across maturities, institutions can create diversified income streams while reducing prepayment and reinvestment risk. In volatile markets, this portfolio approach strengthens valuation and liquidity, even under extreme economic conditions. Beyond simple diversification, each series enables transformation of a wide range of asset classes into FlexGIA™ form — stripping out timing mismatches and currency exposure, while mitigating core fixed-income risks. The result is a portfolio that behaves with the resilience of Treasuries, but carries embedded protections designed for today’s systemic and market uncertainties.
Diversified Reference Series - Portfolios
FlexGIA™ enable transformation of myriad asset strategies into high quality floating rate debt obligations, the interest on and repayment of Principal of which are fully backed by US Treasury | Agency obligations, with no timing or currency risk. This unique debt instrument is designed to mitigate market value risk, credit risk, operations risk, systemic risk and re-hypothecation risk exposures.
A portfolio of various Reference Series of FlexGIA™ are designed to create short duration, floating rate, US Treasury | Agency credit quality, with risk-adjusted returns emulating investment grade debt obligations, with risk-based capital similar to US Treasury and Agency debt obligations for depository institutions, insurance companies and other regulated institutional participants.
A portfolio of FlexGIA™ may provide diversification in interest crediting rates within agreed lifetime and annual cap and floor structures, as well as providing diversification in timing of prepayment and their respective "look back make whole" prepayment premiums.
Periodic interest rate revenues of Reference Series of FlexGIA™ and prepayments may benefit from portfolio diversification through positions in mutliple FlexGIA™ Reference Series.
FlexGIA™ Reference Series may be designed to mitigate specific balance sheet risk exposures and apply "portfolio effect", as illustrated in the sample balance sheet available by pressing the following link.
A prospective holder may exchange other forms of investment securities for FlexGIA™ Reference Series.
Addition of Gold Backed FlexGIA™ Reference Series to a diversified portfolio of FlexGIA™ Reference Series debt obligations may add currency and other forms of risk mitigation protection, particularly focused on periods of extreme global economic, illiquidity and/or kinetic risk exposures.
PAR+™ FlexGIA Series extend the platform into risk transfer. It enables parties to shift defined exposures to IAC™ Insurers, where they may be retained on balance sheet or securitized into the capital markets. Each PAR+™ Series is issued as a FlexGIA™, creating an instrument that combines high quality reserve security with bespoke risk coverage. Importantly, the transferring party may also acquire a portion of the PAR+™ Series, aligning interests while reducing net exposure.
PAR+ - Bespoke Reference Series
Additional Reference Series with bespoke terms may be requested by institutional and governmental participants from applicable IAC™ Insurers on a "reverse enquiry" basis. Interest payments and Principal repayment of these 30 year, floating rate, high quality debt obligations are fully backed by US Treasury | Agency debt obligations, held by government approved custodians under the Investors Guaranty Fund, Ltd. (Policyholder Reserves) Act, 1991. IAC™ Insurers have been rated in the top rating category by international rating agencies since 1989.
PAR+™ FlexGIA™ Reference Series may be designed in a bespoke fashion to address intractable risk exposures of one or more PAR+™ Reference Series purchasers, mitigating specific balance sheet risk exposures through indemnity, transference of distressed and at-risk assets, pure risk transfer through credit substitution, structural risk mitigation, applying "portfolio effect", time cycle modulation and other patented technologies developed and in operation for more than three decades by IAC™ Insurers.
Markets rarely prepare for the unthinkable — hyperinflation, sudden illiquidity, or geopolitical kinetic shocks. The FlexGIA™ Reference Series is expressly structured for such extremes: senior obligations secured by Treasuries and audited gold reserves, operating under statutory protections of the IGF Act. Beneficial in crisis conditions, Controllable Electronic Records (CERs) provide immediate peer-to-peer transferability through digital wallets — removing reliance on financial intermediaries and eliminating the rehypothecation clauses often found in brokerage contracts that allowed firms like Lehman Brothers to pledge client assets as their own collateral. FlexGIA™ with CERs keeps ownership direct, custody transparent, and value mobile precisely when conventional intermediaries and instruments fail.
AD&C Principals have developed a new form of Exchange Traded Fund, a FlexETF™.
This special form of ETF is designed to make available to public investors, debt investment interests, which are fully backed by US Treasury and/or Agency obligations, designed to benefit from the unique nature of additional investment grade interest rate spread, subject to agreed "investment return" based prepayment premiums in the event of early repayment.
FlexGIA™ Reference Series CERs may be transferred in-kind to a qualifying Exchange Traded Fund (“FlexETF™”). Within the FlexETF™, discretionary excess interest from the underlying FlexGIA™ is not distributed to unit holders. Instead, it is applied to ETF unit repurchases or reinvested into additional FlexGIA™. This design allows increases in value to be realized as capital gains when ETF interests are sold, while preserving the statutory reserve protections and gold-backed integrity of the underlying FlexGIA™.
Eligible Depository Institutions may acquire MMM Initiative Infrastructure Reference Series in their capacity as an Authorised Participant associated with a FlexETF™ Program developed by AD&C Principals.
Although no assurance can be given, the objective is to enable a broader range of investors to benefit from interests in pooled FlexGIA™, in the form of capital gain optimised exchange - tradeable obligations.
A FlexGIA™ Reference Series Controllable Electronic Record ("CER") is a new form of United States Uniform Commercial Code "Controllable Electronic Record" ("CER"), which may control a unit of a FlexGIA™ Reference Series.
An Authorised Participant may transfer CER units of a FlexGIA™ Reference Series to a FlexETF™. On transfer, interest payments accrete to maturity or earlier redemption in a manner designed to create accretion within an exchange tradeable fund of FlexGIA™ Reference Series CER units, which is fully backed by eligible US Government obligations.
This activity has the potential to increase Depository Institution service fee activities and other forms of revenue expansion, with limited risk exposure. It may also include a means for these institutions to increase liquidity associated with FlexGIA™ Reference Series which are generally designed as "limited liquidity" instruments benefiting from increased interest rate spreads applicable to reduced liquidity.
Institutional parties — particularly Authorized Participants — benefit from acquiring FlexGIA™ directly, where daily accrual and annual resets make NAV straightforward to calculate and arbitrage spreads efficient. By CER-wrapping and contributing these holdings to a FlexETF™, they create liquid, listed instruments that preserve statutory and gold-backed protections while capturing predictable margins through in-kind creation and redemption. For central banks, sovereign funds, and insurers, this process turns FlexGIA™ into scalable, transparent collateral with enhanced secondary market depth.
For retail and advisory clients, the FlexETF™ delivers those same qualities in an accessible form: Treasury-class credit, embedded inflation hedge, and ESG credibility — packaged as exchange-listed units that trade like any other ETF. Without taxable distributions, value compounds internally until sale, producing clean capital gains treatment for end holders.
“Institutions can acquire FlexGIA™, wrap them as CERs, and contribute them into an ETF structure — creating liquidity and capital gains treatment while keeping the safety of Treasuries and gold.”
The FlexGIA™ framework is deliberately designed for resilience under stress. In extraordinary environments — hyperinflation, illiquidity, credit seizure, or systemic dislocation — Series terms may be amended by agreement to accommodate holders in distressed situations. Options include gold prepayment, restructuring into alternate collateral pools, or tailoring repayment schedules to match prevailing liquidity. This flexibility contrasts with the rigidity of conventional notes: rather than forcing fire-sale losses or defaults, FlexGIA™ provides a pathway to preserve value and stabilize portfolios. For institutions, that means continuity of capital treatment; for investors, it means practical optionality in the face of extreme conditions.
Distressed Economic Periods - Credit
Historically, distressed economic periods resulted in a flight to quality, with investors acquiring longer term US government obligations, increasing their market value, as interest rates declined.
IAC" Insurers experienced an increase in market value of government support reserves, a driver triggering a "prepayment" condition.
Extreme Distressed Economic Period - Hyper -Inflation, Credit, Kinetic
This rare scenario assumes US Treasury interest rates substantially increase and market values plummet, with investors seeking alternative forms of investment obligations, including "commodity" backed assets.
Extreme Distressed Economic Period -
Commodity and Opportunity Assets
This rare scenario also assumes opportunities to acquire distressed assets on extraordinary terms. As these values recover, and interest rates decrease, likelihood of "prepayment" substantially increases.
In extreme global economic circumstances, US Treasury bond values could substantially deteriorate as global expectations of credit quality, liquidity and market value decline during a hyper-inflation, illiquidity, and/or kinetic period. On the other hand they may substantially increase in value as interest rates on them plummet, return of Principal, rather than return on Principal.
Inclusion of "gold reserves" and a higher weighting of "commodity" type indemnity and investment activities within IAC™ Insurer's activities are designed to increase portfolio values, which may increase likelihood of "prepayment" of these FlexGIA™ Reference Series, resulting in FlexETF™ CERs increasing in value. In such "extreme" circumstances, a "prepayment" may be effected through a distribution of immediately available funds, shorter term US Treasuries, as well as "gold reserves", including FlexGold™ digital | physical units.
These prepayment assets distributed to a FlexETF™ may i) move its valuation basis from accreting debt (FlexGIA CER debt interests) to market valuation of underlying assets, ii) enable purchase of outstanding FlexETF™ CER debt interests, thereby creating market liquidity, and/or iii) enable distribution of FlexGold™ units in exchange for FlexETF™ CER debt interests.
FlexGold™ medallions, coins, tokens, etc. may be held in institutional or self-custody, linked to CERs as digital assets.
IAC™ Insurers issuing FlexGIA™ and institutional holders of FlexGIA™ Reference Series may from time to time, amend various terms of contract, which may benefit their mutual positions. FlexGIA™ have been in operation through two extreme economic circumstances. Holders of FlexGIA™ benefited from this feature in prior periods, providing holders liquidity, increasing capital, facilitating distressed assets and special situations balance sheet remediation and regulatory capital facilitation.
Gold held at the IAC™ Insurer level is more than a reserve asset — it can be transformed into a new class of digital | physical product. In extreme circumstances, FlexGold™ provides holders with direct access to verifiable, custodied bullion in a form that can circulate digitally or physically. For monetary authorities and central banks, co-branded FlexGold™ coins or digital certificates deliver multiple benefits: they strengthen sovereign credibility, provide a transparent and liquid store of value during systemic shocks, and support seigniorage by introducing a branded, premium instrument into circulation. FlexGold™ also offers authorities a channel to align with global ESG standards by ensuring that digital issuance is matched 1:1 with ethically sourced, independently audited bullion. For private-sector participants — from mining companies to wealth platforms — FlexGold™ creates an auditable, premium product that increases ecosystem value by aligning digital settlement with physical reserves. The result is a bridge between statutory capital, sovereign coinage, and private-market innovation.
FlexGold™ has been developed as a new hybrid form of physical gold quantity unit associated with a Controllable Electronic Record ("CER"). Each physical gold quantity unit (medallion, coin, token, etc.) is to be uniquely idenitified and embedded with gps capable and electromagneticpulse ("EMP") mitigating technologies, as well as personal privacy protections.
Each physical gold quantity unit (medallion, coin, token, etc.) may be held under various forms of physical security arrangements, as well as its protection and status benefiting from one or more forms of governmental protection. A CER may be applied to a physcial gold quantity unit, as well as each decimalisation. Each CER and physical unit is to benefit from state of the art quantum identification.
The addition of CER control and uniform commercial code benefits are designed to enhance ultimate beneficial owner rights, particularly in times of global economic distress. Key focuses are on reducing expropriation risk exposure during global economic collapse and enabling increased decimalisation during periods of rapidly rising value, to enable use in transfer, exchange and store of value context, aided through DX-Digital Transformation.
A single owner may hold these units in their posession, registered within the CER Digital Assets framework. For a party wishing to decimalise these physical assets, these units are be placed under eligible custody arrangements designed to provide an extraordinary high level of security and accountability.
This unique hybrid asset has been engineered to benefit from multi-country legislative and legacy definitions, to more rapidly facilitate interaction and support a range of commercial and individual activities, addressing a void previously filled by private USD and USD fiat paper, with this asset, legally defined as property under US UCC.
In extreme global illiquidity, hyper-inflation, and/or an international kinetic event, this FlexGold™ CER is designed to implement transactability and market price discovery through FlexETF™ exchange market activity, if available, as well as through digital wallet to digital wallet price discovery and transactability to address currency, liquidity and valuation concerns.
In every Gold Series FlexGIA™, a portion of the IAC Insurer (Assurance archetype)’s Statutory Reserves is allocated to physical bullion. This reserve slice is designed to protect value in extreme circumstances — whether hyperinflation, systemic shock, or geopolitical disruption. Under such conditions, bullion acts as a multiplying anchor, ensuring that FlexGIA remains resilient even under severe stress.
Yet bullion is only the starting point. Over time, these reserves evolve into FlexGold™ — hybrid physical and digital units. Sovereign coinage programs in Bermuda, Cayman, and other participating jurisdictions create collector-grade, environmentally sensitive coins with premiums above spot value, while digital certificates enable secure peer-to-peer liquidity. Together, they amplify the underlying value of the gold held in IAC Insurer reserves.
In parallel, the IAC insurer and affiliated companies facilitate funding, risk mitigation, and environmental remediation for mining operations and local communities. By integrating ESG priorities and sourcing gold at a lower net cost, FlexGIA transforms reserves from a static asset into an active driver of development and sustainability.
For government monetary authorities and central banks, the Gold Series FlexGIA™ may be of particular interest as part of their international U.S. dollar reserves. Its unique features can complement traditional holdings of Treasuries and gold, offering benefits well aligned with the core objectives of central banks and monetary authorities in times of both stability and stress.
In every Gold Series FlexGIA™, a portion of the IAC Insurer (Assurance archetype)’s Statutory Reserves is allocated to physical bullion. This reserve slice is designed to protect value in extreme circumstances — whether hyperinflation, systemic shock, or geopolitical disruption.
Under such conditions, bullion acts as a multiplying anchor, ensuring that FlexGIA remains resilient even under severe stress.
But bullion is only the starting point. Over time, these reserves evolve into FlexGold™ — hybrid physical and digital units. Sovereign coinage programs in Bermuda, Cayman, and other participating jurisdictions create collector-grade, environmentally sensitive coins with premiums above spot value, while digital certificates enable secure peer-to-peer liquidity. Together, they amplify the underlying value of the gold held in IAC Insurer reserves.
Privacy by design. Each FlexGold unit is bound to a Controlled Electronic Record (CER) that verifies authenticity without exposing holder identity. This gives central banks, family offices, and local governments the ability to prove ownership of reserves while maintaining the discretion needed for security and stability.
Disaggregation for continuity. Larger FlexGold castings can be digitally disaggregated into smaller tradable units. In practice, this allows reserves to serve dual purposes: they act as long-term protection, but they can also be converted into immediate liquidity.
For institutions, this is a way to manage balance sheets under stress; for corporates and family offices, it provides the flexibility to meet obligations such as payroll during extreme circumstances.
Dual imagery and diplomacy. Castings often carry two symbols: the issuing mintor on one side and a sister jurisdiction on the other. This design adds collector value and, more importantly, turns each casting into a tangible representation of partnership. Local communities and international authorities alike can leverage these dual-branded coins as both economic and diplomatic assets.
Ecosystem layering. FlexGold units within the Gold Series strengthen upstream systems as well. A portion of the value created flows from local mining sites to country-level sovereign reserves, and ultimately into the global framework. For institutional holders, this means reserves that not only protect value but also participate in building it across jurisdictions and communities.
In parallel, the IAC insurer and affiliated companies facilitate funding, risk mitigation, and environmental remediation for mining operations and local communities. By integrating ESG priorities and sourcing gold at a lower net cost,
FlexGIA transforms reserves from a static asset into an active driver of development and sustainability. For government monetary authorities and central banks, the Gold Series FlexGIA™ may be of particular interest as part of their international U.S. dollar reserves. Its unique features can complement traditional holdings of Treasuries and gold, offering benefits well aligned with the classic central banking and monetary authority objectives in times of both stability and stress.
FlexGold™ Ecosystem
The FlexGold Ecosystem is the framework that transforms bullion into a living, participatory asset class. While each FlexGold casting is a unique physical–digital unit, the ecosystem ensures that these castings flow into a broader structure of digital medallions, liquidity, and revenue sharing.
At the jurisdictional level, monetary authorities such as Bermuda or Cayman mint FlexGold series with dual imagery — the mintor on one side, sister communities on the other. These castings can then be translated into Digital Medallions, each carrying the same identity markers but layered with tariff infrastructure modeled on Port Authority frameworks. The medallions define rights, flows, and participation, ensuring that revenues from minting, branding, and trading are captured and distributed.
At the national level, medallions aggregate across issuances to form a country-level pool. For example, Oklahoma’s Port Authority Opportunity Zones could co-mint FlexGold with Bermuda or Cayman, then issue digital medallions tied to that ecosystem. These medallions allow investors, institutions, and even community participants to hold a share of the spreads and premiums generated.
At the global level, a portion of each issuance flows upward into a meta-ecosystem. This global framework functions like a distributed sovereign wealth reserve for gold, but with the added transparency and tradeability of medallions. Every participant — from local communities to central banks — benefits from liquidity and value creation while maintaining their own reserves and sovereignty.
Tariff logic embedded. Just as Port Authority tariffs define rights and access, digital medallions embed programmable rules for distribution of revenues, spreads, and premiums. This ensures that local communities, sister jurisdictions, and global pools all receive their share automatically.
Liquidity through wallets. Digital medallions make FlexGold accessible far beyond vaults and treasuries. They can be held in wallets, traded peer-to-peer, or used as collateral — giving third-party participants a direct channel into the value of the ecosystem.
Partnership by design. The dual imagery of castings extends into the medallions, where co-branded issuances tie communities together. Collector premiums rise, diplomatic ties are strengthened, and the medallions become symbols of both economic and cultural partnership.
In effect, the FlexGold Ecosystem does not stop at bullion. It converts bullion into castings, castings into medallions, and medallions into programmable, tariff-backed revenue-sharing instruments. This creates a digital means for third-party participants — institutional, governmental, or individual — to share in the benefits of gold reserves, without undermining the physical security or integrity of the bullion itself.
Local Perspectives
FlexGold isn’t just about holding gold in a vault. It’s about turning gold into something local communities can see, use, and benefit from.
Each FlexGold casting — stamped with a mintor on one side and a sister community on the other — can also be turned into a Digital Medallion.
That’s where the real opportunity begins.
Tariff rules built in. Just like a port authority sets fees and rights for using its facilities,
Digital Medallions set the rules for how FlexGold benefits are shared. A portion of every coin minted, every premium collected, and every trade made is programmed to flow back into the community, the county, and even the state.
Local to global. A mine site or county can link with a minting authority — like Bermuda or Cayman — to issue a co-branded FlexGold series.
The medallions tied to that series roll up into a state pool, and then into a global pool. That means the local community gets its share, the state gets its share, and the global framework adds liquidity and value on top.
Investors can join in.
Medallions can be held in digital wallets, traded peer-to-peer, or bought by outside investors. For local governments, this opens a new source of outside capital. For families and workers, it creates a chance to hold something of lasting value that’s also tied to their community.
Partnerships made visible. The dual imagery on the coins — the county or state paired with a sister community overseas — builds recognition and pride.
These designs add collector value, but they also show investors and neighbors alike that your community is part of a larger, trusted network.
In plain terms: FlexGold turns bullion into coins, coins into medallions, and medallions into jobs, revenues, and recognition. It’s a way to tie local people, outside investors, and global partners together in one framework — with built-in rules to make sure everyone shares in the benefit.
The Artisanal SEG Ecosystem is built to transform how mining communities operate and how value circulates within them. Instead of extractive, one-way activity, the ecosystem uses a framework of digital medallions and tariff rules to create balance: miners, suppliers, governments, and investors all participate under a transparent, enforceable structure.
At the site level, each mine functions like a Port Authority Opportunity Zone. A digital medallion tariff defines who may operate, what rights they hold, and how revenues are shared. Miners may receive medallions not just as wages, but as participation in the mine itself. That means their effort builds both immediate income and long-term stake. Suppliers and equipment providers are also woven into the tariff system, ensuring predictable access and clear compensation.
At the country level, a portion of each mine’s digital medallions rolls up into a national pool. This structure allows the sovereign to build a mining-linked sovereign wealth fund, but one that is transparent, divisible, and tradeable in digital form. Investors, ESG-focused funds, and development partners can buy into this national framework much like they would subscribe to equity in a public company — with proceeds going back down into the mines and communities.
At the global level, these national pools link into a meta-ecosystem, hosted in jurisdictions such as Cayman or Bermuda. There, governance and trust frameworks assure continuity, while a portion of revenues from each country flows upward. This creates a living, distributed sovereign wealth framework for artisanal and small-scale mining across multiple geographies.
Revenue participation, not just value. Unlike traditional mining concessions where wealth flows outward, the SEG framework ensures communities, workers, and governments share directly in revenues.
The digital medallion ledger governs distribution automatically, reducing leakage and improving trust.
Liquidity through wallets. Because medallions are digital, they can be held in wallets and traded peer-to-peer. This enables local miners to convert their participation into usable funds, while also giving international investors a transparent instrument to support mining reforms.
ESG at the core. By embedding environmental and social conditions into the tariff framework, the ecosystem addresses mercury elimination, remediation, and safer working conditions. Funding flows can be tied to compliance benchmarks, turning ESG goals into enforceable, financed commitments.
In short: the Artisanal SEG Ecosystem reframes mining not as an environmental liability, but as a structured wealth generator. It gives local workers equity, governments reserves, and international investors a clean, auditable instrument. And by linking site, country, and global levels, it ensures value and liquidity build upward while accountability flows downward.
These Ecosystems incorporate NodeBridge™ technologies to interoperate with MMM Initiative Ecosystems and other Initiative Ecosystems under the Alliance iii.o Protocol.
A Central Bank or Government Monetary Authority may benefit from Alliance iii.o Protocol in establishing a Bespoke Ecosystem which facilitates issuance of FlexGold™ branded CERs to benefit their respective geographic area.
These Ecosystems may include an IAC™ Cube instance of assurance, insurance and financial guaranty IAC™ Insurers Digital Twins. These IAC™ Insurers may participate in issuance of FlexGIA™ Reference Series to facilitate MMM Initiative Gold Ecosystem and Artisanal | Small Scale Mining Ecosystem activities.
A Central Bank, Government Monetary Authority and/or Government Authority may facilitate issuance of SEG Digital Medallions and other FlexTex™ technologies, to facilitate funding of Community-centric initiatives including implementation of MMM Initiatives' Gold Ecosystem and Artisanal | Small Scale Mining Ecosystem within their respective geographic area.
IAC Insurers: Issuers of FlexGIA™
Behind every FlexGIA™ stands an IAC Cube™ — a trio of specialized insurers (assurance, insurance, and financial guaranty) operating under the Investors Guaranty Fund, Ltd. (Policyholder Reserves) Act, 1991. For more than three decades, IAC insurers have supported contracts carrying the highest U.S. sovereign credit ratings, making them trusted partners for institutional investors and governments alike. Each Cube may be tailored to a state or Port Authority Opportunity Zone, enabling issuance of FlexGIA™ instruments alongside risk mitigation and financial guaranty strategies. Explore how these unique issuers provide not just insurance, but a proven foundation for innovation, capital formation, and community growth.
For more than four decades, AD&C Principals have collaborated in creating a range of advanced financial convergence technologies in risk mitigation and risk-adjusted funding, resulting in global patents, advanced prototyping and myriad financial solutions.
The AD&C suite of FlexTec™ modular contract technologies, implemented through Platfoms, Digital Infrastructure Utilities and Ecosystem framework Components, provide a core foundation for extreme Digital Transformation, funding, risk mitigation and economic expansion designed to enhance opportunity, collaboration and quality of life.
AD&C Principals and Advisors assist in developing project funding, bespoke risk mitigation programs and solutions to address intractable issues.