# ShadowGold The Philosophy ### Our Mission {% hint style="info" %} New money for the real world. Backed by real gold. Privately. {% endhint %} ShadowFi believes in the protection of personally identifiable information from corporate and global financial entities. Corporations incessantly track consumer data for unethical profit, and frequently misuse and abuse that data. With ShadowFi, private data is kept where it should be **-** *in the shadows.* Embrace the stability of gold, the excitement of cryptocurrency, the exponential growth potential of real world equity investing, and the eventual freedom to spend without surveillance. **We call it New Money™.** ## Intro {% hint style="success" %} Accumulate reflections **as real gold**. No details required, ever. {% endhint %} The ShadowGold platform liquifies the ultimate precious metal into something that flows freely into your wallet. **No** hassles. \ **No** registration. \ **No** personal details. Just sit back, relax, and receive real gold as PAXG. ### Evolving Payment Solutions Cast your mind back to the 1990's. Think Paypal, Amazon, Google, Apple. From small garage-based startups, they evolved into behemoths that have instilled surveillance capitalism into their very core. With their massive dominance and conveniences came a loss of our freedom and privacy. ShadowFi is transitioning from a virtual garage startup into a benevolent-by-design behemoth that can unlock finance worldwide for everyone – even the most marginalized and oppressed. We *never* want to know your name, why you have money, or how you spend that money. We just want to restore privacy, freedom, and anonymous microtransactions. The ShadowFi Platform is perfectly positioned to disrupt stale, archaic monopolies in the real-world, metaverse, and beyond. ### Safe. Robust. Audited. Every contract is intimately tested and rigorously audited for your safety. ### ShadowFi Living Whitepaper This a living document. It will be updated frequently to adapt to an ever-changing DeFi space. Details herein are subject to change at any time. **Last Updated** - January 27, 2025. # Official Links Broken link? Email: support\@shadowfi.com ### Official ShadowFi Accounts {% hint style="danger" %} Always make sure you are visiting the **official links** below. {% endhint %} ### Websites | Domains | Link | | ---------------------- | ---------------------------------------------- | | ShadowFi Main | [shadowfi.com](https://shadowfi.com) | | ShadowFi Documentation | [docs.shadowfi.com](https://docs.shadowfi.com) | | ShadowFi DApp | [app.shadowfi.com](https://app.shadowfi.com) | ### Socials | Platform | Link | | -------- | ------------------------------------------------------- | | Twitter | [twitter.com/ShadowFi\_](https://twitter.com/shadowfi_) | | Telegram | [t.me/ShadowFiOfficial](https://t.me/ShadowFiOfficial) | | Medium | [medium.com/@ShadowFi](https://medium.com/@shadowfi) | ### International Telegram Groups | Channel | Link | | ----------------- | ---------------------------------------------------- | | :flag\_sd:Arabic | [t.me/ShadowFiArabic](https://t.me/ShadowFiArabic) | | :flag\_cn:Chinese | [t.me/ShadowFiChinese](https://t.me/ShadowFiChinese) | ### Additional Telegram Groups | Channel | Link | | ------------- | ---------------------------------------------------------------- | | Announcements | [t.me/ShadowFiAnnouncements](https://t.me/ShadowFiAnnouncements) | # Roadmap ShadowFi was founded (as DKYC) in August, 2021. ### Phase 1 - Complete #### Q2 2021 - Q4 2024 * [x] Concept Development * [x] Value Proposition * [x] Website v1 * [x] Contract Development * [x] Proof of Concept * [x] TechRate Audit * [x] Financial Partnerships * [x] Press Releases * [x] Card Prototype * [x] Public AMAs * [x] Initial Impact Marketing * [x] PancakeSwap Launch * [x] DApp Launch * [x] Re-launch for ShadowFi * [x] Merit and Loyalty based Point System * [x] Re-engineering as ShadowFi * [x] CMC + CG Listings * [x] Re-list for ShadowFi * [x] $1 Million USD Market Cap * [x] Bonus BUSD Sources * [x] Website v2 * [x] ShadowFi Raffle * [x] Dashboard v2 * [x] Launch worl'd first Fintech NFT Series * [x] Tax-free Reinvest * [x] Certik Audit * [x] Influencer Marketing * [x] World first ShadowStrike / ShadowBurst dynamic LP * [x] Fought a lengthy lawsuit against Deloitte... and WON. * [x] Survived exploit and continued trading * [x] Re-establish listings with CoinGecko and CoinMarketCap * [x] Establish RWA portfolio (equity index investments) * [x] Begin payouts to all holders with real gold (as PAXG) * [x] Foster partnerships with indudstry and KOLs {% hint style="info" %} Phase 1 executed as DontKYC and then ShadowFi (Classic) {% endhint %} ### Phase 2 #### Q1 2025 -> Beyond * [x] Complete the full loop ShadowLoan protocol as the missing link to wealth * [ ] Launch ShadowLoan as a PoC * [ ] Demonstrate gains with ShadowLoan * [ ] Pivot to new blood, new life, LQTY V2 fork on alternat chains * [ ] Rebuild the core token and distribute platform profits * [ ] Establish DAO and governance systems * [ ] Generate and distribute first 1M in platform earnings # SDG Token 0x8bc3ec2e7973e64be582a90b08cadd13457160fe ### The Backbone of the ShadowFi Ecosystem.

ShadowFi

The SDG token fuels the entire ecosystem of products and services. Built on Polygon PoS, SDG is a reflection token that redistributes a portion of every buy and sell to holders as PAXG. The unique [Auto-Balancing Liquidity Engine (ABLE™)](/features/auto-balancing-liquidity-engine-able-tm) makes the SDG token hyper-deflationary. ### Earn If you hold 1% of the circulating supply, you earn 1% of the reflections. Earnings are **automatically** paid to holders as PAXG – the closest thing to 1:1 real gold without the risks. {% hint style="info" %} Polygon PoS: \ \ SDG 🟪 0x8bc3ec2e7973e64be582a90b08cadd13457160fe
PAXG 🟨 0x553d3D295e0f695B9228246232eDF400ed3560B5 {% endhint %} ### Tokenomics {% tabs %} {% tab title="Supply" %} Max Supply - 100 Million ShadowBurst LP - True Deflation that actually reduces *Total Supply and raises price* Marketing - 2% Equity fund - 2%\ \ Founder bursary - 1% {% endtab %} {% tab title="6% Buy Tax" %} * **2.0% to PAXG Rewards** * 2.0% to Marketing * 1.0% to Development * 1.0% to Equity fund {% endtab %} {% tab title="6% Sell Tax" %} * **2.0% to PAXG Rewards** * 2.0% to Marketing * 1.0% to Development * 1.0% to Equity fund {% endtab %} {% endtabs %} ### How to Buy ShadowGold will officially go **live** for trading. Buy SDG on the Polygon PoS Chain through UniSwap or a favorite DEX using the contract address: {% hint style="info" %} SDG Address: 0x8bc3ec2e7973e64be582a90b08cadd13457160fe {% endhint %} ### How to Buy Cross-Chain SDG will soon be available to purchase using native tokens from multiple chains. {% hint style="info" %} Coming Soon {% endhint %} ### Liquidity Locked The SDG liquidity pool is fully locked via the ShadowGold LP Engine. LP is locked quarterly and can be extended in advance. The LP locker will be viewable after load. # Auto-Balancing Liquidity Engine (ABLE™) Perfect LP Ratios primed for trading ### Algorithmic LP Engine Introducing our refined ABLE™ system, designed to navigate the intricacies of a multi-pool ecosystem effectively. ABLE™ stands as our innovative liquidity provision engine, adept at mitigating the challenges of managing assets across dual trading pools. This mechanism facilitates the strategic reallocation of assets between our pools, ensuring that funds remain within our collective ecosystem without any exit, all while under the secure umbrella of our Liquidity Locker Engine™. {% hint style="success" %} ABLE™ delivers true, hyper-deflationary supply burns while maintaining a perfect LP ratio between 8-10%. {% endhint %} ### True Deflation This approach not only safeguards against the volatility inherent in multi-pool systems but also guarantees that all assets stay fully secured and immovable. ABLE™ dynamically maintains an optimal liquidity ratio, preventing any potential over-liquification issues. It achieves this through a smart allocation of excess liquidity, leveraging MATIC/PAXG without any outflow from the pools, and employing a sophisticated, contract-based token burn mechanism. This process is meticulously designed to achieve a genuine decrease in total token supply, leading to meaningful appreciation in token value. By implementing ABLE™, we ensure our ecosystem remains robust against the challenges posed by multi-pool dynamics, making it inherently more stable, attractive to investors, and efficient in enhancing token value through true, hyper-deflationary measures. {% hint style="success" %} We’ll never have a chart that barely moves. We’ll always be attractive to investors. That’s ABLE™ {% endhint %} # Dashboard The team has worked hard to bring you a fully functional SDG dashboard prior to launch.
You will be able to directly see and manage your gold reflections, claim on demand, and see a range of statistics, charts, and use the Uniswap widget (on desktop). See what you're owed, and claim it, instantly.\ \ The SDG dashboard is available at:\ \ [app.shadowfi.com](https://app.shadowfi.com) # ShadowLoan \[NEW] ShadowLoan is a decentralized borrowing and stability platform built on Polygon, leveraging gold as collateral to create a reliable and rewarding ecosystem. ## ShadowLoan: At a Glance ### ShadowLoan is a **decentralized borrowing and stability platform** built on **Polygon**, designed to provide users with a way to leverage gold-backed assets while maintaining stability, transparency, and rewards. It’s based on Liquity’s proven model, tailored to bring innovation and reliability to our community. *** ## In simple terms: * **Deposit collateral** (gold as PAXG). * **Mint stablecoins** pegged to USD. * **Earn rewards** while supporting the protocol’s stability. ## **How It Works** 1. **Vaults (TroveManager):** * Users deposit collateral into vaults to mint stablecoins. * Vaults are safeguarded by liquidation thresholds, ensuring solvency. 2. **Stability Pool:** * Users deposit stablecoins into the Stability Pool. * This pool absorbs liquidations, stabilizes the system, and rewards participants with native tokens. 3. **Fees & Rewards:** * Borrowing and redemption fees provide revenue. * Rewards include the protocol’s native token and potentially gold-backed assets. 4. **DAO Governance:** * Future decisions, including treasury allocations and system upgrades, will be managed by a **community DAO**. ## **Minimums and Collateral Ratios** ### ShadowLoan requires a **minimum loan amount of ****$400 USDS**, which translates to approximately **$800 in PAXG** collateral at the time of loan initiation. This reflects a **collateralization ratio of 200%**, which is a desirable and strategic benchmark for the following reasons: 1. **Stability and Security**: Maintaining a 200% collateralization ratio ensures the system remains robust, even during market fluctuations. By requiring double the loan amount in collateral, the risk of liquidation is significantly reduced for borrowers. 2. **Volatility Mitigation**: Gold, while relatively stable, is not entirely immune to price fluctuations. A 200% collateralization acts as a buffer, protecting both borrowers and the system against sudden market dips. 3. **System Health**: A higher collateralization ratio ensures the protocol remains overcollateralized, fostering trust and long-term viability for all participants. 4. **User Protection**: Borrowers with a 200% collateralization have more breathing room to manage their loans without immediate risk of liquidation, offering greater flexibility and peace of mind. This requirement balances accessibility with security, providing users with a straightforward and resilient borrowing framework. It also ensures that ShadowLoan operates as a sustainable, efficient ecosystem, ultimately benefiting all participants. ## **Key Features** * **Built on Polygon:** Low fees and high scalability. * **Gold-Backed Collateral:** Stability in volatile markets. * **Transparent Mechanics:** Ten smart contracts ensure decentralized operations. * **Community-Driven Governance:** A future DAO empowers user participation. * **Fully audited**. View the audit [here](https://github.com/SpyWolfNetwork/Smart_Contract_Audits/blob/main/October_2024/ShadowLoan_TESTNET.pdf). ***

The ShadowLoan dashboard.

## **Why It Matters** * **Revenue Potential:** Liquity and its forks have generated over ***$35 million in protocol fees***, proving the success of this model. * **Reliable Collateral:** Gold provides a hedge against market volatility. * **Proven Foundation:** Liquity’s mechanics, deployed with enhancements for our unique approach. *** ## My original master plan: A Self-Sustaining Wealth Loop 1. **Buy and Hold ShadowGold (SDG):**\ As a holder, you earn passive rewards in real gold (**PAXG**). ⇩ 2. **Reinvest Your PAXG:**\ Take your earned PAXG and put it to work by opening a **ShadowLoan Trove** (collateralized lending). Use PAXG as collateral to mint USDS (the ecosystem's stablecoin). ⇩ 3. **Earn Through the Ecosystem:**\ With your USDS: * Stake it in the **Stability Pool** to earn liquidation rewards in both PAXG and SLT. * Diversify your earnings with **Staking Pools** for consistent yields. ⇩ 4. **Reinvest and Expand:**\ Loop back by: * Converting PAXG rewards into more ShadowGold to increase your stake in the system. * Adding to your Trove or staking positions to multiply your rewards. ⇩ 5. **The Compounding Loop:**\ Watch as your participation compounds wealth—**holding, earning, reinvesting, and growing.** This system is designed to fuel itself, rewarding commitment to the ecosystem. *** ## **What’s Next?** ShadowLoan is **not the final destination**—it’s proof of our ability to build and deploy a sophisticated system that will ensure our ride into the future. The roadmap includes: 1. **Standalone Deployments:** Expanding beyond Polygon to new ecosystems. 2. **DAO Implementation:** Putting governance in the hands of the community. 3. **Ecosystem Expansion:** Introducing new utility, integrations, and partnerships. This is just the beginning. Together, we can shape a more innovative, decentralized future. *** ## **Addressing the Narrative** We’ve faced challenges—tightening regulations, market volatility, and the evolving DeFi landscape—but we’ve **kept building**. This protocol is our statement: * Proof of resilience. * Proof of capability. * Proof of progress. ### I know, **gold** and **Polygon** haven’t captured the attention we envisioned, but this foundation allows us to pivot, evolve, and deliver something extraordinary. Change isn’t failure—it’s growth. With love - E. ### [See why Liquity is a proven pivot.](/features/shadowloan-new/the-liquity-ecosystem-a-proven-success) # The Liquity Ecosystem: A Proven Success Liquity isn’t just another DeFi protocol—it’s an established leader in decentralized borrowing and stability, with consistent performance and massive user adoption across multiple chains. Here’s what ## **Ecosystem Highlights** * **Protocol Revenue:** Over **$34.9 million USD** generated by Liquity and its forks—a testament to its sustainability and demand. * **Total Collateral Ratio:** A robust **667.3%**, showcasing system-wide security and solvency. * **Circulating Supply:** Nearly **97 million LQTY** distributed, with growing holders benefiting from the platform’s mechanisms. * **TVL (excluding Stability Pool):** **Billions secured since launch****,** proving Liquity is trusted by thousands globally. ### This performance illustrates a thriving system built on strong mechanics. Now, **we’re bringing this success to Polygon**, with a fresh and groundbreaking twist.

LQTY is a proven and trusted system that adds incdedible value to users and platform owners.

*** ## **Our Protocol: Innovation Meets Proven Mechanics** ### We are **the first-ever Liquity fork to use gold as collateral**. While the world watches traditional stablecoins tied to USD and volatile crypto assets, we’re introducing a system backed by **gold**—a universally trusted and timeless store of value. Here’s why this is significant: * **Gold’s Stability:** In volatile times, gold has been the cornerstone of financial systems. By using gold, we hedge against crypto’s wild swings, offering users a stable and trusted alternative. * **First on Polygon:** Our fork is uniquely positioned as Polygon continues to grow as a leading L2 with low fees and scalability, bringing Liquity mechanics to new users. * **Rewards and Upside Potential:** Stability pools, staking rewards, and fees are structured to flow back to users, allowing **everyone to benefit** from protocol growth. *** ## **Next Steps: The Vision for Growth** ### This deployment is **only the beginning**. As a proof of concept, it shows our ability to build, deploy, and innovate in DeFi. Here’s what’s ahead: 1. **Standalone Deployments:**\ We’re planning new forks of Liquity’s **V2 architecture**, designed for expanded use cases and cross-chain interoperability. 2. **DAO Governance:**\ A decentralized governance system will empower the community, ensuring sustainable growth while giving users a voice. 3. **Revenue-Sharing Potential:**\ Liquity forks have already generated **millions in protocol fees**. With our system, revenue will feed back into the protocol, and, ultimately, its users and stakeholders. *** ## **Future Vision** ### The Liquity ecosystem is a proven, **revenue-generating powerhouse**. With billions of TVL and millions of dollars in fees generated, it’s clear this model is sustainable, scalable, and capable of driving real wealth creation. By **rolling out Liquity’s V2 service on new chains**, coupled with our proven ability to execute, the **upside potential is massive**. Our community is positioned at the forefront of this growth, participating in rewards, governance, and system expansion. We’ve built something **complex yet powerful**—and this is only the start. Together, we can take this to **new heights**. Join us as we expand the Liquity vision and create an innovative future. # ShadowPay – the final puzzle piece Global, anonymous, contactless payments that protect innocent microtransactions by design. It's the safest real-world offramp you'll ever use. ### PayPal of DeFi {% hint style="success" %} ShadowPay will be the first fully anonymous contactless payment system backed by gold. {% endhint %} Fully integrated with our suite of products and services, ShadowPay will by the final step in the puzzle by allowing holders to make contactless NFC payments directly from their mobile devices. Backed by gold. Skim your gold profits. Spend gold. Liquify gold. Liquid gold.\ \ It's the Visa®, Mastercard®, and PayPal® killer we've all been waiting for. ### Coming Soon See [Roadmap](/welcome/roadmap) # ShadowGold Brand Kit Email press\@shadowfi.com for the official brand kit.