Set Sail for Stable Finance

Polynesian Digital Dollar (PDD)

Stable finance for the Pacific — pUSD / PDD

Scattered Islands, Scattered Finance

The Problem

  • Unstable FX Rates — Volatile currency fluctuations create uncertainty
  • Limited Financial Rails — Fragmented payment infrastructure
  • High Transaction Fees — Significant costs for small transactions
  • Credit Constraints — MSMEs struggle to access working capital

Pacific islands need stable, connected financial infrastructure.

A Fleet that Connects Islands

Make capital travel safely and efficiently

PDD turns fragmented routes into predictable lanes.

A unified stable finance platform that:

  • Bridges islands
  • Enables seamless payments
  • Delivers transparent yield
  • Unlocks credit for Pacific businesses

The Sea Lanes (Rails)

How It Works

Step Description
1. Deposit Users deposit USDC/USDT into the pUSD system
2. pUSD Receive stable pUSD tokens for deposits
3. Use Cases Access yield, payments, or credit

Anchored in stability • Navigated by governance • Powered by operations

The Trade Winds

Yield Vault — Predictable Returns

Metric Value
APY Range 6-12% (capped, sustainable)
Current TVL Launch phase
Yield Partners 3+ enterprise-grade partners

Like trade winds pushing boats along predictable routes, our yield system provides stable, capped returns backed by verified reserves.

The Hull, Compass & Charts

Risk & Controls

Attestations & Audits

  • Third-party verifications ensure transparency
  • Regular reserve attestations

Reserve & Liquidity

  • 1:1 backing with USDC reserves
  • Real-time liquidity monitoring

Limits & Caps

  • Governance-controlled caps on minting
  • Single-entity exposure limits

Calm, factual approach to risk management.

Where We Sail First

Routes & Use Cases

Remittances

  • Cross-island transfers with stable value
  • Low fees, no FX volatility risk

Merchant Payouts

  • QR code and RTP integrations
  • Seamless merchant payments

MSME Working Capital

  • Credit facilities for small businesses
  • Transparent on-chain collateral

Build the Fleet

Go-to-Market Timeline

  1. Pilot Vault (Q4 2025)

    • Launch initial yield vault with limited TVL cap

  2. Partner Lanes (Q1 2026)

    • Establish partnerships with payment processors

  3. Consumer QR (Q2 2026)

    • Deploy QR code payment infrastructure

  4. Cards & NBFC (2026)

    • Payment cards and non-banking financial services

Fuel & Freight

Economics — Revenue Model

Component Share
Partner Share 60%
PDD Margin 30%
Reserve Buffer 10%

Capped, transparent yield; fees accrue as the fleet scales.

12-24-36 Month Roadmap

Regional Expansion

Hawaii → Polynesia → Regional → APAC → Global

  • Testnet live
  • Pilot vault
  • Reg partnerships
  • Consumer QR
  • Cards/NBFC

Join the Fleet — Hybrid Round

Investment Options

SAFE Agreement

  • Valuation Cap: $TBD
  • Discount: 20%
  • Minimum: $50K

Capped Yield Note

  • Rate: 12% APY
  • Tenor: 24 months
  • Principal Cap: $TBD

Be an early customer-investor.

Team & Advisors

Leadership

Founding Team

  • Experienced fintech and DeFi leadership

Advisory Board

  • Pacific finance and regulatory experts

Partners

  • Yield partners and infrastructure providers

Ready to Set Sail?

Next Steps

Join us in building stable finance for the Pacific.

  • View Transparency
  • Open a pUSD Account
  • Schedule Diligence Call

polynesia.finance

Thank You

Questions?

Contact us for more information and to schedule a diligence call.

Disclosures: Investment opportunities are available only to accredited investors. Consumer yield is variable and not guaranteed. Not a bank deposit.