Shared ownership.
A growing bank
on Standard Reserve.

No. Standard Reserve is an onchain monetary system with its own currency, $STANDARD, run by immutable code rather than a company. The Standard Deviation is an independent proposal to pool ownership of banks that run on that system. It is not affiliated with or endorsed by Standard Reserve.

Charter #729 is founder-owned and operated. Its accrued bank balance is committed to the pool. The founder retains the charter until its agreed launch valuation has been repaid, after which it is committed to the pool. An onchain transfer can happen only when Standard Reserve permits it. Pool-funded branches have an economic allocation in our arrangement, not separate ownership under Standard Reserve. Valuation and repayment terms must be finalised before public contributions open.

No. Admitted members hold nontransferable pool shares; the pool operates eligible charters through its custody contract. Intake is limited by its published window, member capacity and capital cap. Live acquisition eligibility, deployment and final participation terms must be verified before public contributions open.

The pool’s banks earn a share of what Standard issues, and dividends are paid in $STANDARD. Under Standard’s published design, capital flowing into the system loosens issuance to every active branch; licences bought by any bank are paid in $STANDARD and burned; and half of every resolution fee is paid to the banks that stay. New branches elsewhere share the same daily issuance, so the pool’s own growth matters as much as the system’s. None of this is a forecast or a promised return.

A measured harvest receipt, already net of upstream fees, first recovers released paid basis, reviewed operating costs and prior realised losses. The contract charges 10% of the remaining eligible profit, then splits the post-fee amount equally between a dividend target and retained capital. The target becomes a declared dividend only when cash and reserve protections allow. Later costs or losses can reduce an unfunded target. Contributions do not create profit or a new dividend target; later cash may fund an already earned target.

No. On Standard, earnings accrue as a balance inside each bank rather than as tokens in a wallet, so internal accrual is distinct from available cash. Retiring selected branches releases a measured receipt while at least one branch remains in that charter. The receipt must pass the pool’s recovery rules before creating eligible profit. A current valuation and available payout cash are also needed to fund a dividend.

No. Pool shares determine ownership and allocations of declared dividends. $STANDARD is Standard Reserve’s currency and the unit dividends are paid in. $STANDEV is a separate proposed token of this protocol with terms still to be defined. No token issuance, sale, buyback or fee benefit is implemented.

The implemented contract lets members queue shares for pool-funded withdrawals. Weekly settlement windows retire only the portion that available $STANDARD can fund, at the round’s reviewed net asset value. Funded amounts can then be claimed; unfunded shares retain ownership, exposure to losses and dividend rights. There is no entry or exit fee, no requirement for a replacement buyer, and no guaranteed repayment date or principal amount. Unaccepted contributions remain refundable. Shares cannot be transferred.

Public contributions are not yet open. The consumer app, smart contracts and transaction flows are implemented, but production deployment, evidence review and final release checks remain. The app identifies live observations, recorded local rehearsals and unavailable data. The illustrations on this page are examples, not live pool balances; the separate paper simulator moves no real funds.