Founder: Balaji Palani
Company: Dot
Status: In Development
Location: Global (Built Online)
Last Updated: April 2026
The Sovereign Banking Protocol (SBP) is a decentralized financial architecture designed to unify fiat currencies and cryptocurrencies into a single interoperable ecosystem. Powered by billions of smartphones, SBP replaces centralized banking infrastructure with collective computing secured by cryptographic proofs and hardware-backed security.
The protocol enables secure, instant, and fee-less transactions—even in offline environments—while ensuring transparency, stability, and global financial inclusion.
To establish a universally accessible and decentralized financial infrastructure maintained by billions of personal devices worldwide.
To connect the world’s currencies and cryptocurrencies into a single sovereign financial system that is secure, transparent, and inclusive.
Despite technological advancements, global financial systems remain fragmented and inefficient.