CubeOS — The Self-Custodial Economy

1Abstract

2Thesis

The dominant model of digital finance is custodial and fragmented. Your bank holds your money, your email provider owns your identity, your processor rents you access to your own cash flow, your exchange custodies your assets. Each layer extracts rent and is a point of control and failure. CubeOS inverts this around a single principle: self-custody by default, integration by design.

3Cube Chain — the settlement layer

Cube Chain is the EVM-compatible Layer-1 that every product settles to.

3.1 Zero-fee, legacy-tx design

Cube reports an effectively zero base gas price — the foundation of the "near-free" promise. In practice the node rejects EIP-1559 (type-2) transactions, so every Cube client signs legacy type-0 transactions with an explicit gasPrice set just above the node's minimum floor. This single contract — zero base fee, legacy txs, a tiny gas floor — is wired consistently through every signer, from the DEX engine to the Cubemail wallet to CubePay settlement.

3.2 The Dhive AMM suite

Cube's on-chain markets run a Uniswap-V2-style AMM, the Dhive contract suite: DhiveFactory (0x62E5…7A32) and DhiveRouter (0xc9f9…9621). Pairs follow the constant-product model, and the entire economy is USD-quoted — every pool is USD / asset, giving all products one common pricing denominator.

4Tokens

Cube separates gas, value, stable settlement, local currency, and rewards into distinct assets so no single token has to do conflicting jobs.

CFUEL is the native coin and fuel for all computation, with a fixed 15M supply; because AMM pools trade ERC-20s, it is wrapped as WDFUEL (0xa633…8b24) for liquidity and surfaced to users as CFUEL. CUBE (0x1c9f…1288) is the tradeable value token, distinct from gas. The USD stablecoin (0x8416…cCD4) is the quote asset across the whole economy, while xNGN makes Cube usable as real money locally and DVU recirculates consumer activity back into participation.

5Cubemail — the identity layer

Signing up provisions three things in one action: an inbox on @cubemail.io, a self-custodial wallet born with the account, and a one-time recovery code. Because the wallet is born with the account, signing in to Cubemail signs you in to your wallet — this is what makes "one account across the ecosystem" possible.

6CubePay — the payment rail

CubePay is Cube's payment gateway and the economic heart of the ecosystem — the data source that powers DPO credit. It is non-custodial by construction: it never pools merchant funds.

6.1 How a payment works

Funds flow buyer → deposit address → merchant wallet, all on-chain and verifiable. CubePay holds nothing in between. Merchants get a full console: analytics, single- and multi-use payment links, a transactions ledger, HMAC-signed webhooks, currency-scoped API keys, and login by email/password, API key, or Sign in with Cubemail.

6.2 Payouts & the Cube treasury

Beyond direct settlement, merchants can request a payout of their settled earnings, which enters an admin queue to be approved (with an editable amount), rejected, or paid out on-chain from the Cube treasury. The treasury — a funded wallet holding native CFUEL plus xNGN/USDT — is exposed in full to operators: live balances, credit deployed vs. committed, an underfunding indicator, and deposit / withdraw controls. It is the ecosystem's operating-capital cockpit.

7DPO — Decentralised Private Offering

DPO is Cube's capital-markets product for merchants. It has two faces, both anchored to a merchant's real CubePay activity. "Access cash anywhere. Your Cube Phone is your bank."

Together, the two faces turn payment activity into a financial identity: it unlocks credit and the ability to raise growth capital from the community a merchant serves.

8Cube DEX — the exchange

Cube DEX is the self-custodial exchange in your pocket — spot trading and swaps (perpetuals on the roadmap) over the Dhive AMM. Markets are sourced live from DhiveFactory pairs; every pool is USD-quoted and every trade is verifiable on-chain.

9Cube Phone — the hardware gateway

Cube Phone is the sovereign phone — the hardware on-ramp to the ecosystem. "Free calls, free data and a hardware secure enclave — engineered from the silicon up to run an onchain OS you truly own."

Purchase flow: the storefront validates live inventory, then creates a CubePay invoice — priced in NGN and paid in xNGN for Nigeria, or USD and paid in USDT elsewhere. On payment, a signed webhook records the order and atomically decrements stock. The phone is both a product and a live demonstration of CubePay settling real commerce.

10Cube Card — self-custodial spending

Cube Card extends self-custody to everyday spending: a matte-black metal card with a secure-enclave chip and NFC tap-to-pay. "Your card is your wallet… every transaction signs from the secure enclave — Cube never holds your funds."

11Cube Convene — communication

Cube Convene is the ecosystem's real-time communication suite — a full Meet-style video platform, not a placeholder. Authentication is Sign in with Cubemail, and artifacts are tracked from the unified Cube account dashboard.

12Cube Studio — creation

Cube Studio is the ecosystem's creation surface: an AI app builder that turns plain English into shipped software. "Describe an app. Ship it on Cube."

13The flywheel — how it all fits together

The products are not siloed; they feed each other. A concrete loop: a merchant buys a Cube Phone (paid through CubePay), accepts payments that settle on-chain to their Cubemail wallet, builds a settlement history that unlocks DPO working capital, raises growth funds via a DPO offering (backers earn DVU), swaps proceeds on the Cube DEX, runs their team on Cube Convene, ships a storefront with Cube Studio, and spends with a Cube Card — every step on Cube Chain, self-custodial, under one identity.

            ┌──────────────────────────────────────────┐
            │               CUBEMAIL                     │
            │  one account = inbox + wallet + identity   │
            │           (Sign in with Cubemail)          │
            └──────────────────────────────────────────┘
                  ▲ identity & wallet for every product
  ┌───────────────┼───────────────────────────────────────────┐
PHONE / CARD    CUBEPAY              CONVENE / STUDIO
(enclave keys,  (accept + settle     (meet, schedule,
 DVU rewards)    on-chain) ──┐         build & ship)
                            │ settled volume
                            ▼
                       ┌──────────┐
                       │   DPO    │  credit + token offerings
                       └────┬─────┘
                            │ liquidity, price
                            ▼
                       CUBE DEX  ⇄  CUBE CHAIN
                    (USD-quoted AMM)  (CFUEL gas, CUBE value,
                                       USD / xNGN / DVU)

Activity in any product deepens liquidity, data, and demand for all the others.

14Architecture & security

15Token economics

16Implementation status & disclaimer

This whitepaper describes the ecosystem as designed. For accuracy, the maturity of each component as built: