DiamondBack (DBK) – CEZA Sandbox Briefing for LandBank
A Government-Coordinated Digital Currency Pilot for Financial Inclusion and National Resilience
National Context & Government Framework
A Government-Coordinated Digital Currency Pilot
CEZA DATO License
DBK operates under a CEZA DATO License and the CEZA Sandbox MOU (Sept 10, 2025).
DICT Coordination
Sandbox coordinated with DICT for nationwide digital transformation and cyber-resilience.
BSP Alignment
Aligned with BSP frameworks for remittances, payments, and Shariah compliance.
LandBank, as a government-owned bank, is a natural institutional participant in evaluating digital settlement tools for inclusion and resilience.
DiamondBack (DBK)
A CEZA-Regulated, Asset-Backed Complementary Currency
Preliminary Briefing for LandBank Leadership
Why DBK Matters for LandBank
National Mandates
Supports LandBank's national mandates:
  • Financial inclusion
  • Rural development
  • OFW family support
  • MSME empowerment
  • Shariah-compliant banking (Circular 1153)
  • Digital transformation alignment
Stable Value Options
Provides stable-value options for customers vulnerable to inflation and PHP volatility.
Government Alignment
Aligns closely with government economic resilience goals.
What DBK Is
Simple, Non-Technical
01
Fixed-Price Digital Currency
A fixed-price digital currency (1 DBK = 1 USD) backed by diamonds + U.S. Treasuries.
02
Non-Volatile & Asset-Backed
Fully non-volatile, asset-backed, and not speculative.
03
CEZA Sandbox Operation
Operates entirely within the CEZA Sandbox, under inter-agency visibility.
04
Complementary Currency
A complementary currency unit, not a replacement for the PHP.
05
Supervised Alternative
A safer, supervised alternative to volatile offshore stablecoins.
PHP Stability & Value Protection
The Challenge
PHP faces fluctuations due to USD dependency, global market cycles, and inflation.
OFWs, MSMEs, and rural communities are sensitive to PHP depreciation.
DBK provides:
Value-Preserving Settlement
A value-preserving settlement unit
FX Protection
Buffering against FX swings
Stable Value
Stable value for remittances and savings
BSP Alignment
Complementary flows that support BSP's objectives without impacting policy
How DBK Helps LandBank & Its Customers
Remittance Value Protection
Faster, stable remittance flows for OFW families.
DBK-Linked Accounts
Stable-value accounts under sandbox oversight, no balance sheet exposure.
Shariah Products
Asset-backed, non-riba structure supports Islamic banking expansion.
MSME Support
Stable-value liquidity for cooperatives and rural supply chains.
Inclusion
QR-PPI identity enables access for unbanked/low-tech users.
Resilience
Transcender + SELP enable payments during outages and disasters.
LandBank's Role Inside the CEZA Digital Asset Sandbox
This diagram illustrates the clear separation between the CEZA Sandbox environment where DBK operates and LandBank's role as a PHP settlement partner, ensuring no direct balance sheet exposure while supporting government financial inclusion objectives.
CEZA Sandbox Participation Opportunities for LandBank
Remittance Settlement Partner
DBK → PHP → LandBank
Shariah Banking Collaborator
Asset-backed Islamic finance solutions
DBK-Linked Account Provider
Sandbox-controlled customer accounts
Rural & MSME Payments
Innovation for underserved communities
Government Programs Support
Financial assistance flows
Future-Ready Capabilities
Light, Not Technical
Transcender Offline Layer
Payments without internet for remote areas.
SELP
Emergency mesh network payments during typhoons & outages.
QR-PPI Identity
Secure low-tech identity for unbanked users.
Global Re-Key Protocol
Future-proof cryptographic security.
Functional Areas Relevant to the Briefing

"Please feel free to include any groups your leadership believes appropriate."
  • Shariah governance
  • Digital banking & payments
  • Remittances & overseas banking
  • Treasury management
  • Compliance & enterprise risk
  • Information security
  • Business continuity & disaster recovery
  • Inclusive finance / MSME division
  • Government & institutional banking
Why LandBank Is the Ideal Government Partner
Nationwide Presence
Nationwide presence and rural reach
OFW Remittance Base
Strong OFW remittance base
Development Mandate
Agricultural and MSME development mandate
Trusted Institution
Trusted government institution
Digital Priorities
Alignment with CEZA, BSP, and DICT digital priorities
National Pilot
Ideal anchor bank for national pilot rollout
Next Steps
Internal Alignment Meeting
Internal alignment meeting
Review Shariah Pathways
Review Shariah-compliant pathways
Define Sandbox Role
Define LandBank's sandbox role
Prepare Pilot Flows
Prepare remittance and MSME pilot flows
Coordinate with Partners
Coordinate with CEZA, BSP, DICT, VASPs
Begin Phased Pilot
Begin phased pilot inside the sandbox
"DiamondBack looks forward to supporting LandBank's mission to strengthen financial inclusion, resilience, and national development."
Summary
A Government-Coordinated Path Forward
CEZA Regulated
Operating under full government oversight and sandbox framework
Asset-Backed Stability
Non-volatile, complementary currency for financial resilience
National Impact
Supporting OFWs, MSMEs, and rural communities nationwide
Key Benefits for LandBank Customers
100%
Value Protection
Fixed 1:1 USD peg protects against PHP volatility
24/7
Always Available
Digital access with offline capabilities for remote areas
0
Balance Sheet Risk
No direct exposure for LandBank through sandbox structure
Regulatory Framework & Compliance
1
CEZA DATO License
Sept 10, 2025 - Sandbox MOU established with full regulatory oversight
2
DICT Coordination
Digital transformation and cyber-resilience alignment
3
BSP Frameworks
Remittance, payments, and Shariah compliance (Circular 1153)
4
VASP Integration
AML/KYC through authorized digital asset service providers
DBK operates within a comprehensive regulatory framework designed to ensure transparency, security, and alignment with national financial objectives.
Building a More Resilient Financial Future
Together for Financial Inclusion and National Development
DiamondBack (DBK) stands ready to support LandBank's mission through innovative, government-coordinated digital financial solutions.