# m10.io

> AI-optimized mirror of m10.io containing 37 pages totalling 16,804 words of clean markdown content, structured data, and semantic HTML. Original source: https://m10.io/. Last updated: 2026-04-27T15:50:21.817Z.

Each page is available as HTML (with JSON-LD structured data) and Markdown (text-only, ideal for LLMs and RAG).

## Homepage

- [The cloud-based digital native currency platform](/site-root.html): M10 is the fastest and most secure platform for payments modernization. Learn how to make payments modernization and CBDC work for you. (429 words)

## Articles & Blog Posts

- [M10 System Throughput Report](/media/pages/resources/whitepapers/m10-performance-report/40cb891465-1646229532/m10-performance-report-pdf.html) (670 words)
- [Blog | M10](/blog/page-2/index.html): M10 is the fastest and most secure platform for payments modernization. Learn how to make payments modernization and CBDC work for you. (230 words)
- [blog/feed/index.html](/blog/feed/index.html) (1 words)
- [Terms of Service](/terms/index.html): M10 is the fastest and most secure platform for payments modernization. Learn how to make payments modernization and CBDC work for you. (1,412 words)
- [blog/the-evolution-of-blockchain-for-bank-payments-modernization.html](/blog/the-evolution-of-blockchain-for-bank-payments-modernization.html) (1 words)
- [blog/highway-to-the-trustzone/index.html](/blog/highway-to-the-trustzone/index.html) (1 words)
- [Start with the Money Supply](/blog/design-of-the-m10-ledger/index.html): Start with the Money Supply The M10 ledger is designed around money supply systems that are in use today (and have been in use ever since the advent of fractional-reserve banking). A core concept of fiat currency is that commercial banks play a role in money creation, which results in a hierarchy of currency: M0 represents currency issued directly by the central bank, M1 represents currency … (947 words)
- [CBDC or stablecoin? There is a third way - tokenized deposits](/blog/the-rise-of-tokenized-deposits/index.html): CBDC or stablecoin? There is a third way - tokenized deposits (1,087 words)
- [TerraUSD (UST)](/blog/how-banks-can-save-the-crypto-industry/index.html): Stablecoins are risky assets. Banks can stabilize the crypto industry by issuing tokenized deposits. (1,109 words)
- [Request more information](/technology/index.html): M10 is the fastest and most secure platform for payments modernization. Learn how to make payments modernization and CBDC work for you. (617 words)
- [What is a Regulated Liabilities Network (RLN) – and why do we need one? | M10](/blog/what-is-a-regulated-liabilities-network-rln-and-why-do-we-need-one.html): Earlier this year, Citi published a paper entitled “ The Regulated Internet of Value ” (the “Citi Paper”). In it, Tony McLaughlin, Head of Emerging Payments and Business Development at Citi’s Treasury and Trade Solutions, tackles the topic of tokenization and the ongoing tug-of-war between proponents of stablecoins and those who favor central bank digital currency (CBDC). He suggests that a third … (1,027 words)
- [The Cashless Dilemma | M10](/blog/the-cashless-dilemma/index.html): Today I went to my local tea shop to buy (no surprise) tea. Like many other shops in Sweden, this one does not accept cash (“VI ÄR EN KONTANTFRI BUTIK”, which means “WE’RE A CASHLESS STORE”). Instead, they accept debit and credit cards through iZettle, one of the Swedish fintech wonders that is now part of PayPal. However, when it was time to pay for the tea, the POS terminal had other ideas. For … (699 words)
- [Privacy Policy](/privacy/index.html): M10 is the fastest and most secure platform for payments modernization. Learn how to make payments modernization and CBDC work for you. (1,070 words)
- [Blog](/blog/index.html): M10 is the fastest and most secure platform for payments modernization. Learn how to make payments modernization and CBDC work for you. (225 words)
- [How Would Current Stablecoins Fair Against BIS’ Proposal?](/blog/stablecoins-cant-touch-this/index.html): With the new BIS proposal, banks are unlikely to add stablecoins to their balance sheet. Fortunately, there is something better available. (935 words)
- [whitepapers/payments-modernization-through-deep-payments-innovation.html](/whitepapers/payments-modernization-through-deep-payments-innovation.html) (1 words)
- [Paving the way to payments modernization with a Shared Hierarchical Ledger System | M10](/blog/payments-modernization-shared-hierarchical-ledger/index.html): A few days ago, the Secretary of the U.S. Treasury admitted that she’s still on the fence about digital currency. Unlike the Bitcoin-loving president of El Salvador, Secretary Yellen thinks further study is warranted before diving headfirst into the digital currency deep end.This hesitancy is good. It’s worth asking a few questions: What’s so great about digital currency? What will it allow us to do that we can’t already do within our current two-tier monetary system? (1,013 words)
- [whitepapers/m10-performance-report/index.html](/whitepapers/m10-performance-report/index.html) (1 words)
- [whitepapers/m10-security/index.html](/whitepapers/m10-security/index.html) (1 words)
- [Thank you!](/contact/index.html): M10 is the fastest and most secure platform for payments modernization. Learn how to make payments modernization and CBDC work for you. (204 words)
- [whitepapers/system-overview-of-the-m10-platform/index.html](/whitepapers/system-overview-of-the-m10-platform/index.html) (1 words)
- [whitepapers/rln/index.html](/whitepapers/rln/index.html) (1 words)
- [Payments modernization before CBDC | M10](/blog/payments-modernization-before-cbdc/index.html): Mainstream, tech, and fintech media is bubbling with central bank digital currency (CBDC) chatter. The  Bank for International Settlements (BIS)  is performing excellent  research on the topic . They’re answering the critical questions of “why consider CBDC?” and “how to create a CBDC?” amongst other topics. Nearly all central banks are at some stage of researching the merits of CBDC. Bahamas is … (572 words)
- [Implementing a Regulated Liabilities Network](/whitepapers/index.html): M10 is the fastest and most secure platform for payments modernization. Learn how to make payments modernization and CBDC work for you. (340 words)
- [Resolving the unintended friction of Web 3.0 | M10](/blog/resolving-the-unintended-friction-of-web-3-0/index.html): The media is buzzing about Web 3.0 and metaverse. Companies and investors are scrambling to get in on the ground floor and participate in shaping this new iteration of the web. But I think it’s worth exploring some of the unintended consequences of this mass move toward decentralization and what role, if any, traditional financial institutions should play in Web 3.0.     In the past, Web 1.0 was … (1,067 words)
- [NIFT and M10 Networks Partner to Power Digital B2B Payments in Pakistan](/blog/nift-and-m10-networks-partner-to-power-digital-b2b-payments-in-pakistan.html): NIFT and M10 Networks Partner to Power Digital B2B Payments in Pakistan (604 words)
- [Thank you!](/company/index.html): M10 is the fastest and most secure platform for payments modernization. Learn how to make payments modernization and CBDC work for you. (494 words)
- [Whitepapers](/resources/index.html): M10 is the fastest and most secure platform for payments modernization. Learn how to make payments modernization and CBDC work for you. (206 words)
- [CBDC: Stay clear of two-tier confusion | M10](/blog/cbdc-stay-clear-of-two-tier-confusion/index.html): In discussions about central bank digital currencies (CBDCs), the term “two-tier model”, or some variant of it is frequently used. Unfortunately, the two-tier term is confusing as it can have very different meanings. Here’s an attempt to clear it up. Tiered distribution Distribution of consumer goods often follow a tiered model. For example, a wine producer sells their wine to a wholesale … (578 words)
- [Account-based vs. token-based CBDC? Stay focused on what matters. | M10](/blog/account-based-vs-token-based-cbdc-stay-focused-on-what-matters.html): In several analyses of CBDC infrastructure and models, the issue of whether to use an account-based or token-based (aka value-based) CBDC is discussed. However,  for any practical purposes I fail to see the difference . Both models can provide the same functionality and both require transaction validation by a third party, or the update of a centralized ledger to preempt the double spend problem … (520 words)
- [What?](/solutions/index.html): M10 is the fastest and most secure platform for payments modernization. Learn how to make payments modernization and CBDC work for you. (266 words)
- [G20 Competition](/fis-g20-techsprint/index.html): M10 is the fastest and most secure platform for payments modernization. Learn how to make payments modernization and CBDC work for you. (95 words)
- [G20 Competition](/programmable-payments/index.html): M10 is the fastest and most secure platform for payments modernization. Learn how to make payments modernization and CBDC work for you. (95 words)
- [G20 Competition](/cbdc-lifecycle/index.html): M10 is the fastest and most secure platform for payments modernization. Learn how to make payments modernization and CBDC work for you. (95 words)
- [G20 Competition](/audit-oversight-supervision-and-consumer-privacy/index.html): M10 is the fastest and most secure platform for payments modernization. Learn how to make payments modernization and CBDC work for you. (95 words)
- [G20 Competition](/login/index.html): M10 is the fastest and most secure platform for payments modernization. Learn how to make payments modernization and CBDC work for you. (95 words)

## Resources

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