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

  • 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.