We are excited to introduce PBM3525, a groundbreaking protocol that merges the power of Purpose-Bound Money (PBM) with the structural flexibility of the ERC-3525 semi-fungible token (SFT) standard—redefining how digital assets and programmable payments work in the real world.

PBM3525 allows value to be wrapped with programmable conditions, enabling users to design complex payment logic without relying on intermediaries or custom code. From cross-border transactions to automated supply chain disbursements, PBM3525 brings unprecedented efficiency, control, and automation to modern finance.

At its core, PBM3525 combines two transformative innovations:

• ERC-3525 introduces a unique <ID, SLOT, VALUE> model that enables flexible representations of structured assets and payment contracts.

• Purpose-Bound Money, first introduced by the Monetary Authority of Singapore (MAS) under Project Orchid, allows money to carry embedded usage rules—ensuring funds are used exactly as intended.

To meet the evolving needs of enterprise users, the PBM3525 protocol has been significantly enhanced:

• Multi-chain support, including Solana integration, enables faster, cheaper, and more scalable operations across ecosystems.

• Advanced payment modules like Escrow Pay, Milestone Pay, Batch Pay, and Multi-Currency Pay support complex financial workflows.

• AI-powered features such as natural language interfaces, real-time compliance checks, and risk alerts improve security and usability for both crypto-native and traditional users.

This whitepaper offers a comprehensive technical overview of PBM3525, exploring its architecture, key capabilities, and real-world applications. Whether you’re a developer, institution, or innovator in the financial space, PBM3525 offers a powerful new toolkit to build the next generation of programmable financial solutions.

📄 Download The Full Technical White Paper (PDF)