Whitepaper: The Arcartera Protocol

Arcartera is a Smart Stablecoin Payment System that uilizes Digital- (APP) and Conventional- (Physical Card) Interfaces



HKD Token is a stable-coin based payment system for Hong Kong. It comes with a smartphone app, and also has a physical RFID Card. Latter is a great idea for kids, senior citizens and tourists.

HKD Tokens are stable, because they are pegged to the Hong Kong Dollar on a 1:1 basis. Coupled with the innovative nature of blockchain technology makes them a perfect combination of both worlds. They are smart because they not only allow for payments but can also be extended to be used with Reward Points or other Loyalty Schemes. 

How do they work?

  1. A user deposits Hong Kong Dollar Cash at a store that supports HKD Tokens, or direct into the company’s bank account.
  2. HKD Tokens are sent to the users’ Smartphone App, or a Card is issued. The amount of issued HKD Tokens that enter circulation is equal to the users’ deposited amount of Hong Kong Dollars.
  3. The HKD Tokens are used for transactions: Pay with the HKD Token App on your smartphone, or use the physical Token Card. Merchants that accept HKD Tokens pay a small fee for the process, while the process is free to the user.
  4. A user can change their HKD Tokens back to Hong Kong Dollars. Simply use the app or visit www.HKD.to and request a transfer.
  5. The tokens are removed from circulation, and the user receives the equal amount of Hong Kong Dollars back to his bank account.

HKD Tokens are stricty controlled by its issuer and backed 1:1 by HK$ Fiat Currency in a special bank account. This is the main process by which the systems solvency is maintained.

Anyone with the HKD Token App can send and receive them. Since HKD Tokens are Blockchain Assets, users can even send them world wide.


HKD Token 是基於香港支付系統的一種stable-coin。它附有智能手機的應用APP, 和一張RFID Card。RFID Card能方便的給兒童、老年人和遊客使用。

HKD Tokens 是穩定的,因為它是以1:1的比例與港元掛鉤。再加上Blockchain技術 的創新性,使它們能完美的結合在一起。它們很聰明,因為它們不但允許支付,而且 還可以紀錄你所支付的所有支持HKD Tokens商戶的Reward Points,或其他Loyalty 計畫。


用戶可以在支持HKD Tokens的合作商店內存入港元現金,或者直接過數到公司的銀行帳戶以兌換成HKD Tokens。

HKD Tokens 會存入到用戶的智能手機App,或者RFID card裡。存入的HKD Tokens的數量與用戶存入的港元金額是一致的。

HKD Token 能用於交易:使用你智能手機上的HKD Token App支付,或者使用 Token card支付。對於接受使用HKD Tokens的商戶,在每筆的交易中需要支付少量 的費用,而對於用戶是免費的。

用戶可以將其HKD Tokens兌換回港元。只需要使用該應用APP或登陸 www.HKD.to 並申請轉帳。

HKD Tokens 從系統中移除,用戶可將等量的港元返還至其銀行帳戶。

HKD Tokens由發行人嚴格控制,並以1:1的港元法定貨幣在一個特許的銀行帳戶中進


任何擁有HKD Token APP的用戶,都可以轉出和轉入它們。由於HKD Tokens是 Blockchain Assets, 用戶甚至可以將它們轉出到世界各地。



The company Arcartera Limited has finished the formation process and is now fully registered under the laws of the Hong Kong Special Administrative Region.

Our accountant had previously prepared the needed documents, which just had to be signed and handed in to the Company Registry.

The Company Registry had processed all documents and registered our company successfully.


On the technical side, we have successfully launched a few test-pilot launches on the Ropsten Ethereum Network. Tokens were created and moved along a prototype Sharding Account. The tests had been performed for our smart ARCARTERA TOKEN as well as for our DIGITAL HONG KONG DOLLAR STABLECOIN.