SKULLS raises $10M across 10 stages — valuation grows from $1M to $100M at launch — to build a regulated U.S. financial product powered by an AI-operated operations stack. Funded in stages, released by milestones, reported honestly.
Capital is spent on a real, verifiable objective: licensing and capitalization to operate as a regulated financial institution in the U.S.
FinCEN MSB registration, state money-transmitter licenses, surety bonds — the achievable near-term layer.
Regulatory capital reserves required by licensing and a future bank/trust charter application.
BSA/AML program, controls and technology a real financial operator must have to function.
Capital held in escrow is deployed across three strategies. Yields are variable, target-based and not guaranteed — capital is at risk (impermanent loss, drawdown). Pool income funds the project's burn-rate via milestone-gated escrow.
Stablecoin lending & LP (USDC/USDT). The defensive base of the engine.
Blue-chip crypto LP & staking (ETH and majors). Volatility and IL risk.
Active DEX liquidity & market-making. Highest target, highest risk.
Targets are not promises. Actual return depends on market conditions and can be lower or negative. The honest planning rate for burn-coverage math is ~8% net (see model). Live pool performance is shown on the Transparency dashboard.
Token SKULLS, escalating valuation. Early believers in at $1M FDV; launch at $100M. Each stage funds a concrete milestone on the path to a regulated U.S. financial product.
| Stage | FDV | Price | Raise |
|---|---|---|---|
| 1 · Genesis | $1.0M | $0.001 | $50K |
| 2 · Pre-Seed | $2.5M | $0.0025 | $100K |
| 3 · Seed | $5.0M | $0.005 | $250K |
| 4 · Strategic | $10M | $0.010 | $500K |
| 5 · Series A | $20M | $0.020 | $800K |
| 6 · Series B | $35M | $0.035 | $1.2M |
| 7 · Growth | $50M | $0.050 | $1.7M |
| 8 · Charter | $65M | $0.065 | $1.8M |
| 9 · Pre-Launch | $80M | $0.080 | $1.8M |
| 10 · Launch (TGE) | $100M | $0.100 | $1.8M |
| Total · ~367M SKULL | $10.0M | ||
A multi-year, discretionary, regulated process. Money-transmitter licensing is achievable stage by stage; a full bank/trust charter is a long-term pursuit and is not guaranteed.
FinCEN registration, then state money-transmitter licenses with surety bonds. The realistic near-term layer.
BSA/AML program and a banking/BaaS partner to operate while pursuing direct licensing.
Build regulatory capital to minimums and file for a bank/trust charter. Multi-year, discretionary, not guaranteed.
Shown truthfully. The sale opens only after every item is live. Pending items are marked committed/planned — not done.
Independent contract audit; report published here before sale opens.
Ownership moves from a single key to a Gnosis Safe multisig + upgrade timelock.
Raised funds in locked escrow or qualified custody — not a personal wallet.
No "audited" or fixed-yield language until real and on-chain verifiable.
Infrastructure & affiliation. SKULLS runs on a third-party platform provider's infrastructure and shares operator and technology with it; SKULLS is not an independent, unaffiliated party — this is disclosed in full. The 2.5% platform fee is investor-contributed capital paid to the platform provider's token-holder fund — it is a fee, not revenue.
No guarantees. U.S. financial licensing — especially a bank or trust charter — is a discretionary, multi-year process that may not succeed. A token is not a deposit, is not insured, grants no banking relationship, and may lose all value.
Not an offer where prohibited. Informational only; not an offer or solicitation where unlawful, nor investment, legal or tax advice. The sale opens only after the audit and escrow/custody are live and verifiable.