The problem is getting those dollars there in the first place. CDD™ is the deposit engine that routes digital dollars directly to CDFI banks, MDI banks, and community credit unions — not to Wall Street.
Every day, dollars leave CDFI banks, MDI banks, and community credit unions — flowing to megabanks and fintech apps that will never lend them back to the communities they came from. Without deposits, community institutions can't lend. Without lending, they can't fulfill their mission.
Families with no bank account at all, concentrated in the same communities CDFIs and MDIs were built to serve. Every unbanked household is a deposit that doesn't exist.
Sitting in megabank accounts earning 0.01% APY. These deposits could be fueling small business loans, affordable housing, and economic development in their own neighborhoods.
There is no platform — none — designed to systematically channel deposits to community financial institutions at scale. Banks received historic capital investments. The deposits never followed.
"The capital is there. The regulatory authority is there. What's missing is a systematic mechanism to route deposits to the institutions that will actually lend them back to the community."
CDD™ converts every digital dollar purchase into a reserve deposit at a CDFI, MDI, or community credit union — activating dormant capital for community lending.
Community banks and credit unions join a consortium under a single regulatory application. One filing, one subsidiary, shared infrastructure — individual charters stay intact.
Patent Claims 1, 10When a user buys $1 of CDD™, that dollar flows as a reserve deposit to a consortium member institution. Not a money market fund. Not a custodial bank. Your bank.
Patent Claims 1, 2A proprietary Priority Score algorithm distributes deposits across consortium members — optimizing for capital ratios, lending capacity, community impact, and regulatory compliance.
Patent Claim 3Community banks hold regulatory capital that requires matching deposits to activate lending. CDD™ deposits provide those matching funds — unlocking multiples of lending capacity from capital already on the books.
Patent Claim 2Users build a Transaction Reliability Score over 90 days of wallet activity — creating a pathway to a full bank account without a credit check, minimum balance, or SSN at entry.
Patent Claim 4Both payment stablecoins and tokenized deposits in one platform. Different regulatory treatment, different use cases, same seamless user experience — and both drive deposits to your institution.
Patent Claim 18CDD™ is not a consumer fintech product repurposed for banks. It's digital financial infrastructure designed from the ground up for CDFIs, MDIs, and community credit unions.
Join a consortium and receive digital deposits that activate your existing capital for community lending. Access shared infrastructure at a fraction of what it would cost to build — $75K/year SaaS model, not a $5M+ technology investment. Your charter, your deposits, your lending decisions.
Grow membership and deposits through digital-first channels. Convert HBCU students into lifetime members through wallet-to-share-account pipelines. Credit unions with Low-Income Designation can accept non-member deposits — CDD™ makes that designation actionable.
Move deposits from megabank accounts earning 0.01% to consortium banks earning 3%+ APY. Replace Givelify's 2.9% giving fees with CDD™ at 0.25%. See your deposits fund small business loans and affordable housing in your own neighborhood — not corporate balance sheets.
No minimum balance. No credit check. No SSN required to start. A progressive pathway from digital wallet to full bank account in 90 days, driven by real transaction behavior — not a credit bureau score that was never designed to measure financial reliability.
Every other stablecoin sends reserves to Wall Street. CDD™ was patented to do the opposite.
One regulatory application covers all member institutions. Individual charters preserved. Shared infrastructure, shared costs, individual deposits. No bank builds this alone.
When someone buys a CDD™ digital dollar, the reserve goes to a consortium member — not JPMorgan, not BNY Mellon, not a money market fund. This is the fundamental structural difference.
Community banks hold billions in federally-backed capital that requires matching deposits to activate for lending. CDD™ provides those deposits. Capital that was sitting idle becomes loans.
Proprietary Priority Score algorithm optimizes deposit placement across the consortium — balancing capital ratios, lending capacity, community need, and regulatory requirements in real time.
U.S. provisional patent application with 5 independent and 15 dependent claims covering the consortium architecture, reserve distribution protocol, credit scoring method, and dual-product structure.
Architected for the GENIUS Act framework (July 2025) and FDIC consortium banking rules (December 2025). Not waiting for regulation — built on regulation that already exists.
CDD™ is protected by a comprehensive U.S. provisional patent application filed February 2026, with 20 claims across three categories of innovation.
We're seeking founding consortium partners — CDFI banks, MDI banks, community credit unions, and institutional allies committed to keeping community deposits in the community.
info@communitydigitaldollar.comConfidential · Patent Pending · U.S. Provisional Patent Application (February 2026)