County Reserve — Your Community's Treasury

County Reserve System

Your county has a treasury.

For the first time, the wealth your community generates through advertising stays in your community — permanently. Not as a promise. As architecture.

See How It Works ↓

5County Reserves

12%Target Yield

80/20Split Model

PGSTSovereign Trust

What It Is

Not a bank. Not crypto.
Not managed by us.

The County Reserve is your community's sovereign wealth fund — a liquidity pool that holds the advertising capacity your county has generated, making it available to local businesses and enterprise projects. Governed by elected delegates. Protected by architecture, not promises.

Not This

A bank account

The Reserve isn't a deposit institution. It's a time marketplace — holding the advertising capacity your community has generated and making it available at terms your county sets, not a financial institution.

Not This

Crypto speculation

Reserve value is anchored to advertising activity in real communities — not to exchange prices or token markets. Pocit is a unit of time — your community's time. Its value is grounded in what your community actually does.

Not This

Managed by POCITS Inc.

POCITS builds and maintains the infrastructure. Your county's reserve is governed entirely by elected county delegates. No single entity — including POCITS — can control more than 2% of any county reserve.

The 80% Principle

Where does every advertising dollar go?

On Google Ads, on Meta, on every major platform you know — 100% of your advertising spend leaves your community. On POCITS, 80 cents of every dollar stays. Mathematically. Permanently. Not as a promise — as architecture.

Advertiser pays

$200 per ad-block^*

80%

County Reserve

$160 deposited directly into your community's reserve. Every sale. Every time.

20%

Platform Operations

Sustains the infrastructure that makes the reserve possible.

Enterprise Grants are separately funded. The platform's grant system supports local projects and WeCare initiatives that are funded from your community's Enterprise token allocation — not its reserve, which provides currency exchange liquidity only. Your 80% is yours, without deduction. Learn about Enterprise Grants →

^* $200 per ad-block is the initial product offering price at platform launch (beta). Pricing is subject to INDEX system governance as the network matures.

"This isn't charity. It's architecture.
The reserve doesn't spend down — it grows."

How It Compounds

The community flywheel

Every ad sale strengthens the next one. The reserve doesn't just hold wealth — it circulates it back through the community in a self-reinforcing cycle.

Advertisers buy Pocit time

→

80% revenue deposits into county reserve

→

Reserve funds community enterprise projects

→

Project participants spend locally

→

Spending replenishes ad-time inventory

→

More inventory → more advertising capacity

↩

"The cycle accelerates with every participant."

Your County's Numbers

See what your reserve looks like

Every county's reserve is calculated from its population. Enter yours to see your allocation, opening inventory, protected floor, and revenue trajectory.

County population:

Illustrative projections only. Launch figure based on 10% annual inventory utilisation at $200/block. Maturity figure is a population-weighted share of projected $36.5B annual system revenue (US + Canada, 373M population), with 80% retained locally.
Actual pricing governed by the INDEX system.

Reserve Protection

Your reserve isn't just funded.
It's protected.

No bank, no government, no cryptocurrency has what POCITS built for county reserves. Five independent layers of protection — each funded from advertising revenue already earned. Not printed. Not borrowed. Earned.

Last resort ↑

PGST — Pocits Global Sovereign Trust Backstop

At the foundation of the entire network: 1% of the POCIT supply. A sovereign-grade asset pool exchanging with select currency assets — Bitcoin and national currency-based stablecoins — for backing that cannot be inflated, printed, or politically captured. The ultimate reserve of last resort.

PGEF — Platform-Wide Stability Reserve

POCITS' platform-wide enterprise reserve backstops the entire network. If any state-level reserve requires support, the PGEF acts as the fourth layer of protection.

National / International Reserve Fund

National reserve funds provide a third layer of protection for any state or province that reaches the limits of its regional stability pool.

State / Provincial Stability Reserve

State and provincial stability reserves back up any county that exceeds its local pool. Funded automatically from regional advertising activity across participating counties.

County Stability Pool — Your First Line of Defence

Each county automatically sets aside 1.5% of its advertising revenue into a protected stability pool. This is the immediate, local safety net — activated before any other tier is needed.

↓ First response

"The FDIC insures bank deposits up to $250,000 per institution. POCITS builds the equivalent of FDIC-grade protection into every county reserve — not as insurance you purchase, but as architecture you inherit by participating."

Community Participation

Your community can contribute — and earn.

Individuals and corporations may deposit capital into their county trust — providing immediate liquidity to local Enterprise Project and WeCare grants while earning a meaningful yield in return. It's how residents can benefit from onboarding their community while helping build real economic momentum before advertising revenue scales.

⏱

Deposit

Contribute Pocit or other select currencies to your county's reserve. Your deposit becomes sellable ad-time inventory, giving the reserve capacity to fund local enterprise projects and WeCare grants immediately — without waiting for organic ad revenue to build. Business sector marketers parking their marketing budget here are investing directly in their own community's economic foundation.

◈

Earn

Receive up to 12% annual yield on the value of your deposit — the highest yield opportunity in the platform. Your Pocit (time) principal stays yours, untouched and appreciating. The reserve uses your inventory to meet advertiser time demand and pays your yield from that revenue. Your token's principal growth trajectory is independent of your yield, while all other capital currencies provide liquidity for Enterprise grant token exchange.

⇌

Access

As a Time or Currency depositor, you gain access to the Pocits exchange (XCHG) — the platform's bid/sell market connected to BitShares DEX — where Pocit is acquired at free market rates, irrespective of the network's internal ecosystem pricing. Depositors get priority access to this exchange layer. For businesses, your marketing budget gains a further compounding advantage beyond the 12% annual yield.

Early depositors capture the peak yield window.
The 12% annual yield is the platform's highest yield opportunity, set at this level to attract early liquidity during the reserve's formative stage. As reserve balances mature and grant demand normalises, yields taper downward — rewarding those who participate earliest with the strongest returns.

Time-Bank deposits are a future feature. Reserve architecture is active now.

How It Compares

Compared to everything else

Dimension	Big Tech Platforms	Traditional Savings	POCITS Reserve
Revenue stays local	✗ 0%	✗ Interest only	✓ 80%, always
Community governance	✗	✗	✓ Elected delegates
Can't be captured	✗	✗ Regulatable	✓ Mathematical floor
Counter-cyclical design	✗	✗ Bank run risk	✓ Stronger in crises
Annual reserve income at maturity Population-weighted share of $36.5B system revenue, 100K county	n/a	Depends on rates	✓ ~$7.8M/yr
Open to all counties	n/a	n/a	✓ All 3,433 allocated

"The Federal Reserve backstops banks. It cannot reach community-level wealth. POCITS builds the equivalent function for 3,433 counties — without requiring a bank charter, a federal relationship, or any external approval."

Every County Included

Built for every county.
Not just the big ones.

More than half of North American counties have fewer than 50,000 residents. Small counties receive the same reserve architecture, the same governance rights, and the same five-tier stability protection as major metropolitan areas. And when a small county holds more inventory than local demand requires, it can lease that inventory to high-demand urban counties — earning yield without changing anything about how it operates.

~500

Micro counties
Under 10,000 population
Included. Every one.

~1,400

Small rural counties
10,000–50,000 population
The majority of the network.

~25K

Median US county
population
The typical county. All allocated.

3,433

Total counties
US + Canada
Every single one assigned a reserve.

How It's Governed

Not our treasury. Yours.

The reserve is governed by the people it serves. POCITS provides the infrastructure. SMARTS enforces the rules mathematically. Your elected delegates make the decisions.

Elected Delegates

Each county elects its own delegates to govern reserve spending priorities, enterprise grant approvals, and strategic deployment decisions. Authority flows from the community — not from POCITS.

2% Maximum Control

No single entity — including POCITS Inc. — can control more than 2% of any county reserve. This constitutional constraint is enforced by SMARTS, not by policy. It cannot be voted away.

Constitutional Floor

The minimum reserve balance is mathematically locked to the county's original population-based allocation — 1,250 Pocit for a 100,000-population county, protected at $250,000 at launch pricing. As platform pricing matures and new Pocit tranches are released to your county, that floor grows with it. It cannot be spent to zero. Ever.

Get Involved

Is your county ready?

Whether you represent your community, your business, or your municipality — there's a place for you in the Reserve system.

For Community Members

Follow your county's reserve activity

Track reserve growth, funded projects, and delegate votes through your county's POCITS Commons page.

Explore the Commons →

For Municipalities & Organisations

Explore county-level deployment

Start the Conversation →

pocitsReserve

Your county has a treasury.

Not a bank. Not crypto.Not managed by us.

Where does every advertising dollar go?

The community flywheel

See what your reserve looks like

Your reserve isn't just funded.It's protected.

Your community can contribute — and earn.

Compared to everything else

Built for every county.Not just the big ones.

Not our treasury. Yours.

Is your county ready?

Not a bank. Not crypto.
Not managed by us.

Your reserve isn't just funded.
It's protected.

Built for every county.
Not just the big ones.