[GUEST ACCESS MODE: Data is scrambled or limited to provide examples. Make requests using your API key to unlock full data. Check https://lunarcrush.ai/auth for authentication information.]  Kingsman [@29KingsMan96](/creator/twitter/29KingsMan96) on x XXX followers Created: 2025-07-24 18:00:20 UTC FINAL VISION THEORY: 🏦 PulseBank: A Decentralized Neobank on PulseChain 🔑 Mission To provide a trustless, censorship-resistant, yield-generating, and privacy-focused banking alternative entirely on-chain using PulseChain infrastructure. ⸻ 🔧 Core Features & Modules X. Stablecoin Core (pDAI or PulseDollar) •✅ Used as the main unit of account like fiat •✅ Pegged to $X using a smart liquidity + minting mechanism •✅ Backed by PulseChain-native assets or bridged stablecoins Could be integrated with TBILL, FED, or FDIC tokens as backing models ⸻ X. DeFi Lending & Borrowing •✅ Users deposit stablecoins or PRC-20 tokens to earn interest •✅ Overcollateralized loans (like Aave) •✅ Interest distributed via algorithmic or governance-set APYs Smart contracts needed: •Lending pool •Collateral manager •Liquidation engine ⸻ X. Staking & Passive Yield •✅ Stake native assets like $pDAI, $HEX, $TBILL to earn yield •✅ Could offer “high-yield savings” or “fixed term CDs” •✅ Yield could come from: •Lending protocol revenue •Validator rewards •PulseX LP fees •RAILGUN privacy premium fees ⸻ X. Private Transactions Layer (RAILGUN Integration) •✅ Users opt-in for fully anonymous “private banking” experience •✅ Shield balances and send funds without traceable history •✅ Optional stealth account creation for privacy-first users ⸻ X. Crypto Debit Card Integration (3rd Party) •✅ PulseBank partners with no-KYC crypto card services •✅ Users spend $pDAI or wrapped USDC via cards •✅ On-the-fly conversion at time of purchase (using PulseX liquidity) Examples: DEX Aggregators + Bitrefill + privacy-preserving wallet ⸻ X. PulseBank App Interface (Frontend) •✅ Dapp UI with: •Dashboard •Balances •Loans & savings •Privacy toggle •Send/receive + card management •✅ Could integrate with WalletConnect or MetaMask Mobile ⸻ X. Governance Layer •✅ DAO structure to vote on: •Interest rates •Risk models •Collateral options •Protocol upgrades •✅ Token-based (PULSEBANK or x$pDAI) ⸻ 📊 Revenue Model •Interest spread from lending pools •Swap/LP fees via PulseX •RAILGUN privacy fee surcharge •Bridge/toll fees for fiat off-ramping ⸻ 🔮 What Could Make It Go Viral •🔥 Memetic branding like HEX ($1 pDAI memes, “Bankless Pulse”) •💸 Airdrops to OA wallet-linked tokens (HEX, PLS, pDAI) •🫀 “HeartRate Index” to gamify yield and savings scores •🤫 Optional Anon Banking: “Like Swiss banking, but better” XXXXX engagements  **Related Topics** [cryptocurrency](/topic/cryptocurrency) [#cryptocurrency](/topic/#cryptocurrency) [money](/topic/money) [fiat](/topic/fiat) [coins stablecoin](/topic/coins-stablecoin) [onchain](/topic/onchain) [banking](/topic/banking) [decentralized](/topic/decentralized) [Post Link](https://x.com/29KingsMan96/status/1948443144028389806)
[GUEST ACCESS MODE: Data is scrambled or limited to provide examples. Make requests using your API key to unlock full data. Check https://lunarcrush.ai/auth for authentication information.]
Kingsman @29KingsMan96 on x XXX followers
Created: 2025-07-24 18:00:20 UTC
FINAL VISION THEORY: 🏦 PulseBank: A Decentralized Neobank on PulseChain
🔑 Mission
To provide a trustless, censorship-resistant, yield-generating, and privacy-focused banking alternative entirely on-chain using PulseChain infrastructure.
⸻
🔧 Core Features & Modules
X. Stablecoin Core (pDAI or PulseDollar) •✅ Used as the main unit of account like fiat •✅ Pegged to $X using a smart liquidity + minting mechanism •✅ Backed by PulseChain-native assets or bridged stablecoins
Could be integrated with TBILL, FED, or FDIC tokens as backing models
⸻
X. DeFi Lending & Borrowing •✅ Users deposit stablecoins or PRC-20 tokens to earn interest •✅ Overcollateralized loans (like Aave) •✅ Interest distributed via algorithmic or governance-set APYs
Smart contracts needed: •Lending pool •Collateral manager •Liquidation engine
⸻
X. Staking & Passive Yield •✅ Stake native assets like $pDAI, $HEX, $TBILL to earn yield •✅ Could offer “high-yield savings” or “fixed term CDs” •✅ Yield could come from: •Lending protocol revenue •Validator rewards •PulseX LP fees •RAILGUN privacy premium fees
⸻
X. Private Transactions Layer (RAILGUN Integration) •✅ Users opt-in for fully anonymous “private banking” experience •✅ Shield balances and send funds without traceable history •✅ Optional stealth account creation for privacy-first users
⸻
X. Crypto Debit Card Integration (3rd Party) •✅ PulseBank partners with no-KYC crypto card services •✅ Users spend $pDAI or wrapped USDC via cards •✅ On-the-fly conversion at time of purchase (using PulseX liquidity)
Examples: DEX Aggregators + Bitrefill + privacy-preserving wallet
⸻
X. PulseBank App Interface (Frontend) •✅ Dapp UI with: •Dashboard •Balances •Loans & savings •Privacy toggle •Send/receive + card management •✅ Could integrate with WalletConnect or MetaMask Mobile
⸻
X. Governance Layer •✅ DAO structure to vote on: •Interest rates •Risk models •Collateral options •Protocol upgrades •✅ Token-based (PULSEBANK or x$pDAI)
⸻
📊 Revenue Model •Interest spread from lending pools •Swap/LP fees via PulseX •RAILGUN privacy fee surcharge •Bridge/toll fees for fiat off-ramping
⸻
🔮 What Could Make It Go Viral •🔥 Memetic branding like HEX ($1 pDAI memes, “Bankless Pulse”) •💸 Airdrops to OA wallet-linked tokens (HEX, PLS, pDAI) •🫀 “HeartRate Index” to gamify yield and savings scores •🤫 Optional Anon Banking: “Like Swiss banking, but better”
XXXXX engagements
Related Topics cryptocurrency #cryptocurrency money fiat coins stablecoin onchain banking decentralized