🧪 Research Environment

CBDC Pilot Sandbox

Experience the complete lifecycle of a Central Bank Digital Currency—from issuance to redemption—in a safe, offline simulation environment.

Learn More

Simulation Feature Walkthrough

What happens inside these modals

Feature for Testing Web App Module (Modal) Institutional Research Purpose
Get Cash Code Authorization Hub Sovereign Authorization: Facilitates secure key exchange. Tests the mechanism where the Consensus Layer validates a "Sovereign Identifier" before currency is credited. Send Money Liquidity Engine Algorithmic Issuance: Tests automated liquidity provisioning. Simulates host-minting triggered by real-time detection of trade flows (Fj→i) between partner nations. My Digital Cash Audit Dashboard Reserve Ledger Oversight: Enables reconciliation research. Audits "Secret Keys" to ensure the domestic monetary base (MBi) matches the authorized ledger issuance. Claim Digital Cash Bearer Claim Portal Digital Cash Possession: Upload one or thousands of CVIB note files to transfer ownership in the National Registry. Tests the bearer-model claim flow — possession of the PNG file is the authorization. Notes are grouped by denomination, verified against the registry, and claimed atomically. Download your personalised bundle (BWP_L-BWP_AA0000022_3BCF9681.png) for offline use, SD-card loading, or Mobile Money integration.

Click any feature above to launch the simulation tool

The Simulation Roadmap

Experience all four phases of a central bank's digital currency journey

🏦
Phase 1

Issuance & Minting

Simulate how a Central Bank creates digital currency supply with cryptographic signatures.

🏛️
Phase 2

Wholesale Distribution

Model how commercial banks receive and hold CBDC reserves from the central bank.

👥
Phase 3

Retail Circulation

Test peer-to-peer transfers and merchant payments in a simulated economy.

📊
Phase 4

Redemption & Audit

Explore currency redemption flows and audit trail verification.

⚙️ System Specifications

💻
Platform
macOS 12.0+ (Monterey or later)
Apple Silicon
💾
Storage
All ledger data stored locally in SQLite format
~50 MB
🔒
Connectivity
Operates in Fully Offline mode—no internet required after download
Air-Gapped

Get Started

Three steps to begin your CBDC simulation journey

🔍

Explore

Download the bearerCORE™ Desktop Application and the sample "Genesis Block" configuration.

Download on bearerCORE →
🏠

Experiment

Run the P2P simulation tool to observe real-time ledger updates on your local machine.

View Documentation →
📊

Evaluate

Export simulation logs (CSV) to analyze transaction velocity and system stress.

Built-in Export Tools
⚠️ Important Legal Notice

All data, "cash codes," vault balances, and transaction records within SmartCheq are mathematically simulated and hold zero real-world value. This software is not affiliated with any central bank, government, or financial institution. For research and educational purposes only.

🗑️

Remove Saved Contact?

Contact Name
abc123...xyz789

⚠️ You will need their Cash Code again to send them money in the future.

CBDC Preview
Status Valid
Currency -
Amount -
Serial Number -
Uploading files...
Please wait
💸
Confirm Giving Cash
Check the details below
Amount GHS 0.00
To Cash Code ...
Cash Notes 0
⚠️

Already Transferred

The following CBDC notes have already been transferred and cannot be used again.

📱 Your Digital Cash Code QR

Let others scan this to send you money

How to use: The sender opens "Send Digital Cash" and taps the scan icon to read this QR code.

Trade Claim Submission

Submit verified trade to request cross-border liquidity.

Claiming Institution

Select Country...

Trade Details

Select Corridor first...

Select a corridor to load destination-country institutions.

Beneficiary Information

Supporting Documents

Click to upload or drag and drop

PDF, PNG, or JPG (max 10MB each)

Declarations

Confirm Trade Claim
Please review the details before submitting
Amount
Corridor
Institution
Beneficiary
Invoice Ref
Direction
⚖️ Notes Minted
⚠️

Once submitted, this trade claim will enter the supervisory review queue and cannot be edited. Please verify all details are correct.

Trade Claim Submitted!

Your trade claim has been successfully submitted and is now pending
review for pre-clearance by regulators.

Trade Claim ID:
TC-20260215-000000

An initial pre-clearance review shows your trade appears compliant.
It will now be routed for final approval.

Pre-cleared trade is pending review by regulators for approval.
Beneficiary funds will be held while the trade is being finalized.
Track status any time via the Issuance → Desk section.
📊 Trade Summary:
Trade Amount KES 1,000,000
Trade Direction Import into Nigeria
Beneficiary Kenya Exports Ltd
⚖️ Notes Minted —
Help & Docs · Contact Support · Dashboard

Draft Saved!

Your trade claim has been saved as a draft.
You can continue editing it anytime.

Draft Reference:
TC-00000000

Your draft has been saved and can be accessed from your dashboard.
Complete the submission when you're ready.

Draft saved securely to your account.
Continue editing anytime from your dashboard.
Submit when ready via Drafts section.
📋 Draft Summary:
Amount KES 0
Direction -
Status Draft
Help & Docs · Contact Support · Dashboard

Issuance Desk

Manage and review recent cross-border trade claims.

Claim ID
Direction
Destination Corridor
Amount
Status
View

Loading trade claims...

No trade claims found

Showing 0 of 0
Help & Docs · Contact Support · Dashboard
SmartCheq
Admin Console
SA
Admin Console v1.2.3

Administrator Console

System management and monitoring dashboard.

Total Corridor Volume
USD Equivalent
—
Pending Claims
— ⏳ Pending
Daily Limit Utilization
USD Equivalent
—
Non-Compliance Alerts
—
Admin viewed trade claims. Today at —

Latest Trade Claim Activity

Read-only monitoring view. No transactional authority.

ID Institution Amount Corridor Status Risk
Loading claims...

Corridor Volume

0

Active Issuance Queue

0 Pending requests

Corridor Quota Limits

Corridor Corridor Limit Remaining Daily Limit Remaining Compliance Status
Loading corridor data...
Admin Console v1.2.3
🔒 System Admin