Why every cryptocurrency
asMoney fails
Bitcoin is too volatile. Stablecoins are collapsing. CBDCs are watching you. There is a digital currency that was designed from day one to do what the others cannot: real everyday money.
Private, independent information site - Not affiliated with the YEM Foundation
The problem
Why not use cryptocurrency as real money works
Every digital currency that is traded on public exchanges becomes an object of speculation. Speculation creates volatility. Volatility renders it useless as a means of payment. This is not a bug - it's a fundamental design flaw.
Bitcoin & crypto
Too volatile for payments
- 30-40% annual volatility (BlackRock 2025)
- El Salvador abandoned mandatory BTC adoption after IMF pressure
- 20 bn $ liquidations in a single day (Oct. 2025)
- Merchants immediately exchange BTC for fiat - which reduces the purpose to absurdity
- 70%+ wash trading on unregulated exchanges
A currency that can lose 20% of its value overnight is not money - it is a speculative vehicle.
Stablecoins
Stable until they no longer are
- Ethena's USDe plunged to $0.65 on Binance (Oct 2025)
- 3.3 billion USDC reserves frozen during the SVB collapse
- 14-18% depeg probability for USDT (Polymarket 2025)
- 95-99% of Circle's revenue depends on interest income
- Forrester: "Stablecoins will not arrive in retail in 2026"
A "stable" coin, which depends on bank reserves, interest rates and market confidence, is only stable until the next crisis.
CBDCs
State-controlled surveillance money
- Central banks gain access to all personal transaction data
- Governments could restrict or freeze payments at will
- Full anonymity incompatible with money laundering regulations
- Centralized architecture vulnerable to cyberattacks
- Cross-border data flows to countries with a lower level of data protection
A digital currency controlled by the state is not financial freedom - it is the opposite.
„Every currency that is traded on public exchanges becomes an object of speculation. Speculation creates volatility. Volatility destroys its usability as money. Therefore, a digital currency designed for everyday use may not be traded on public exchanges.“
The solution
YEM - Built as money,
not as a trading object
YEM (Your Everyday Money) is consciously not listed on any public stock exchange.. That's not a limitation - that's the core innovation. By removing speculation from the equation, YEM achieves what no other cryptocurrency can: stable, usable everyday money.
Not fungible by design
YEM is not exchangeable on open markets. It exists exclusively on its own private blockchain - YEMChain. No speculation, no manipulation, no flash crashes.
pegged 1:1 to the Swiss franc
The CHF is the most stable major currency in the world. The YEM value is maintained by algorithmic mechanisms and foundation governance - not by volatile market forces.
Zero transaction fees
While Bitcoin ($2-50 per transaction) or Ethereum ($1-100+ gas) cost, every YEM transaction is free. Micropayments are finally becoming practical.
Private blockchain
Built on Hyperledger Besu with Proof of Authority. No anonymous miners, no MEV bots, no front-running. Enterprise security with user privacy.
Foundation-controlled
A non-profit organization with 3,700+ co-founders from 150+ countries. Democratic voting (1 YEM = 1 vote). No shareholders demanding speculation-driven growth.
CO₂-neutral
Proof of Authority means no energy-wasting mining. All servers run on renewable energy. Sub-second transactions with no environmental costs.
YEM in comparison
| Bitcoin | Stablecoins | CBDCs | YEM | |
|---|---|---|---|---|
| Public exchange trading | ✓ | ✓ | ✗ | ✗ |
| Speculative trading | ✓ | ✓ | ✗ | ✗ |
| Price volatility | ✓ | Risk | ✗ | ✗ |
| Stable purchasing power | ✗ | Fragile | ✓ | ✓ |
| Zero transaction fees | ✗ | ✗ | Variable | ✓ |
| Financial privacy | Partial | Partial | ✗ | ✓ |
| Independent of government | ✓ | Partial | ✗ | ✓ |
| Designed for payments | ✗ | Secondary | ✓ | ✓ |
| Community governance | ✗ | ✗ | ✗ | ✓ |
| CO₂-neutral | ✗ | N/A | Variable | ✓ |
Technology
YEMChain V2 - Enterprise Blockchain
Launched in August 2025, built on Hyperledger Besu - the same technology used by the Asian Development Bank for bond settlement. A 120x performance upgrade over V1.
Live data from yemchain.com · Updated daily
Why a private blockchain?
Public blockchains like Ethereum are accessible to everyone - including MEV bots, front-runners and market manipulators. This is good for decentralization, but bad for a currency that needs stability.
YEMChain is an authorized network. Only authorized validators process transactions via Proof of Authority - no energy-wasting mining, no anonymous actors, no manipulation.approved network
The result: sub-second settlement, zero fees and the security guarantees that enterprise finance demands.
Why Hyperledger Besu?
Besu is an open source Ethereum client maintained by the Linux Foundation in the Hyperledger project. It is the enterprise standard for approved blockchains.
- →EVM compatible: Can execute any Ethereum smart contract
- →Tried and tested: Used by ConsenSys, Asian Development Bank, Iberclear
- →Scalable: 3.000 TPS (vs. Ethereum's ~30 TPS on L1)
- →Private: Transaction data only visible to authorized participants
Roadmap 2026
YEMChain V2 & Foundation Roadmap
From the successful V2 launch to a complete ecosystem with Exchange, YEMPay, Partner Coins and developer tools.
YEMChain V2 Launch
August 2025
- Hyperledger Besu Blockchain deployed
- 3.000 TPS Benchmark (120x V1)
- Smart-Contract Support activated
- Multilingual Blockchain Explorer live
- V1 → V2 Migration completed
- Dynamic Price Algorithm activated
- yemscan.com & yemchain.com operational
Foundation & Framework
Dec. 2025 — Feb. 2026
- Partner Coin Frameworks (Stablecoin, Commodity, Utility)
- YEMPay Closed Beta — QR Payments & Invoicing
- Welfare Token Specifications & Governance
- YEM Exchange Development — Bank-grade Security
- Multi-Factor Authentication & Cold Storage
- Real-time Trading Engine with Advanced Order Types
- Fintech Advisor Consultations started
Expansion & Activation
March — May 2026
- YEMPay Public Launch — Daily Transactions
- Mobile Trading Platform (iOS & Android)
- RESTful API for Algorithmic Trading
- Welfare Token Launch with Donation Tracking
- First 1–2 Asset-Backed Partner Coins deployed
- Fintech Advisory Board established
- P2P Features for Businesses & Individuals
Growth & Integration
June — Aug. 2026
- YEM Purchase Mechanism for new Tokens
- Developer Tools, SDKs & API Documentation
- Developer Portal with Tutorials
- Financial Institution Partnerships
- Payment Service Provider Integrations
- Liquidity Provider Partnerships
Scaling & Maturity
Sept. — Nov. 2026+
- Comprehensive Q1–Q3 Milestone Assessment
- Regulatory Compliance & Market Licenses
- European Legal Management Framework
- Expert Advisory Board established
- Ecosystem Optimization & Scaling
All dates are conservative estimates. Milestones may be reached earlier. Source: Official roadmap of the YEM Foundation
Ecosystem
The YEM ecosystem
A complete infrastructure for digital finance - from blockchain to payments and exchange to governance.
YEMChain
Private blockchain on Hyperledger Besu with smart contract support and 3,000 TPS.
YEM Scanner
Multilingual blockchain explorer for YEMChain transactions and smart contracts.
YEM Foundation
Non-profit regulatory body, founded by 3,700+ co-founders from 150+ countries.
YEMPay
Payment solution for QR codes, invoicing, P2P transfers and merchant integration.
YEM Exchange
Official trading platform with bank-grade security, multi-currency support and low fees.
SafeZone
Network of connected websites and services within the YEM ecosystem.
Technical specifications
Developer
YEMChain V2 API
Full REST API for balance queries, batch transactions, blockchain statistics and more. Developed by Steve Hodgkiss, open source on GitHub.
/createTransactionsBatch create up to 100 transactions
/getBalancesQuery balances for up to 100 UIDs
/getGlobalsTotal accounts & transaction count
/getTxnVolume24h and 7d volume by token
/getTxnHashesBatch status check (100 hashes)
/getAssetStatsPrice and wallet count per asset
/getPublicKeyEthereum public key by UID
/getTransactionHashFull transaction details by hash
const response = await fetch('https://yemscan.com/api/getAssetStats.php?tokenSymbol=YEM', {
headers: {
'Apikey': 'pk_live_...',
'Customdomain': 'yourdomain.com',
'Pernum': '1000001234'
}
});
// Response: { price: "1.00", wallets: 1257632 }Rate limit: 10 requests/minute. For API key access please contact YEM Foundation Support turn.
About YEM
The YEM Foundation
The YEM Foundation is a registered non-profit corporation (Nevada, USA - #E0553072017-8) and an International Non-Governmental Organization (INGO #XM7617). Founded in 2017 by over 3,700 co-founders from 150+ countries, it serves as the regulatory body for YEM.
10 basic principles
- 1YEM functions as a digital currency
- 2An independent non-profit authority regulates them
- 3Business success does not determine YEM value
- 4No geographical restrictions
- 5Goal: everyday means of payment worldwide
- 6Compatible with existing regulatory authorities
- 7Complements traditional financial systems
- 8Core values: stability, security, transparency, privacy, quality
- 9Designed against speculative trading
- 10Functions as a value store
Board of International Directors
Democratically elected by YEM holders (1 YEM = 1 vote):
Important note
YEM exists exclusively on the YEMChain - it is not available on Ethereum, Binance Smart Chain or any other public blockchain. Any YEM token on public chains is unauthorized and potentially fraudulent. Always via yem.foundation verify.
The Foundation is currently establishing a European presence, with offices in Liechtenstein in preparation and further locations in Austria and Panama under review. YEM will operate exclusively on the Digital Exchange Marketplace traded.