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Town Hall

Concordium Town Hall 3

Validator 85223

• 6 min read
Concordium Town Hall 3

Six months ago, Concordium charted a new course, one rooted in real-world impact rather than speculation. Since then, the PayFi vision has moved from concept to execution with remarkable speed. With the foundation now firmly in place, including stablecoin issuers onboarded, exchanges integrated, and tools deployed, the focus is shifting to what matters most: live use cases, identity-driven compliance, and programmable value flows.

Town Hall 3 marks a pivotal moment in this transition. CEO Boris Bohrer-Bilowitzki and the leadership team lays out not just a roadmap but a clear, confident strategy for how Concordium intends to lead the PayFi category. From age-gated digital payments to the debut of Protocol-Level Tokens (PLTs), this is not about hype. It is about building the rails for a future where compliance, privacy, and programmability coexist at the base layer.

1 Strategic Framing from CEO Boris Bohrer-Bilowitzki

  • Reaffirms Concordium's real-world mission: execution over hype, trust over speculation
  • Positioned at the convergence of ID, compliance, and programmable finance
  • Core infrastructure layer for fintechs and stablecoins
  • Pushback on "4-year" criticism: new strategy only 6 months old, now entering its time to shine
  • H1 2025 recap:
    • Major traction with stablecoin issuers
    • Two new exchange listings
    • Significant social growth: +30,000 X followers in recent weeks
  • Comments

2 Ecosystem Milestones & Market Feedback — Mike Milner (CCO)

  • H1 2025 focused on building prerequisites for PayFi
    • Stablecoin issuers
    • Exchange integrations
    • Fiat on/off ramps
    • Compliance tools
    • Wallet infrastructure
    • Liquidity provisioning
  • Six issuers confirmed publicly
    • Agant (GBPA), Noon (USN), AEDX, EuroDollar, Aryze, Deep Blue (DBUSD)
    • Additional issuers already signed; announcements forthcoming
  • Exchange integrations 
    • BitMart integration opens up global access to CCD
    • BitPanda adds credibility and reach in Europe
  • Fiat on/off ramps
    • Banxa added as fiat ramp; operates in 130+ countries
  • Compliance Tools
    • TRM Labs and Chainalysis integrated for regulatory-grade monitoring
  • Wallets and liquidity
    • Ecosystem now includes tools that institutional partners require to engage
    • GSR onboarded as top-tier liquidity provider
  • Feedback from issuers
    • Clear product-market fit: identity solves a real adoption bottleneck
    • Institutional users are hesitant with anonymity; Concordium solves this
    • Competing chains pay heavy incentives; Concordium wins on product quality alone
    • Stablecoin teams see Concordium as enabling revenue, not just tech
  • Comments

3 Strategic Priorities for H2 2025 — Mike Milner

  • Top-tier issuers
    • Ongoing talks with top-tier stablecoin issuers (Tether, Circle, Paxos, etc.)
    • Large institutions recognize value of scalable ID on-chain
    • Timeframe realistic: cannot expect full integration from top players in <6 months
  • Emphasis on CCD + PLTs (Protocol-Level Tokens)
    • PLTs are the vehicle for real-world use, not CCD
    • CCD powers the network, PLTs power payments
  • Exchange listing strategy maturing
    • Concordium already listed on 3 of top 10 by volume
    • Diminishing returns on further listings
  • New focus: wallet access
    • Most real-world users already have a wallet
    • Proprietary wallet onboarding creates friction
    • Strategy: integrate CCD and PLT into high-usage third-party wallets
  • Wallet partner selection will be strategic
    • Seek wallets with shared vision on digital identity
    • Not just a listing: need co-go-to-market motion
  • Real-world adoption is the H2 goal
    • Real use cases are still rare in crypto
    • First use case confirmed and signed: age verification
    • Growing regulatory mandates across EU, UK, US for 18+ proof
    • Verify-and-pay offers user privacy + regulatory compliance
    • Anonymous ZK proof from Concordium ID unlocks major markets
    • First live integration expected within H2
    • Replication across industries (gambling, porn, gaming) is strategic priority
  • Comments

4 Narrative, Brand, and Community Growth — Varun Kabra (CGO)

  • Strong belief: tech alone doesn't create adoption
  • Strategy focused on pairing infrastructure with clear messaging
  • H1 focus: lay narrative foundation across all channels
  • Positioning Concordium as a leading PayFi chain
    • Stablecoin + compliance + programmable money
    • Now compared alongside Solana and Stellar in industry lists
  • Owned media traction
    • Website fully redesigned
    • Medium and newsletter metrics improving steadily
  • Earned media footprint growing
    • 15+ quality articles in credible publications incl. Forbes
    • Exchange press mentions (e.g., OKX) help validate narrative
    • KOL and influencer mentions increasing weekly
  • Social growth
    • X engagement in June 10x higher than December
    • Telegram and CoinGecko trending status hit multiple times
  • Next phase: heavy push on use-case storytelling
    • Podcasts, events, industry verticals
    • Focus on practical, relatable content
  • Comments

5 PLTs Go Public — Peter Marirosans (CTO)

  • PLTs now live on DevNet, available to all developers
    • Issuance and transfer without smart contracts
    • PLTs held directly in user accounts, not contracts
  • Strong early usage
    • 30+ partners onboarded to DevNet
    • 50+ PLTs issued
    • Hundreds of accounts created
    • Thousands of test transactions
  • Comments

6 Key Roadmap Features (0–6 Months) — Peter Marirosans

  • Stablecoins to launch as native PLTs
    • Allow/Deny lists
    • Freeze and unfreeze
    • Issuer-level pause functionality
  • Modular PLTs will allow upgrades without protocol releases
    • Explorers and wallets updated to display PLTs natively
    • Mobile and browser wallet support for PLTs
    • Cold storage functionality for browser extension
    • SDKs for third-party wallet integrations
  • Concordium Identity App to launch on iOS + Android
    • User-controlled identity vault
    • ZK proof generation via app
    • Works with third-party wallets
  • Verify-and-pay SDKs for easy integration in e-commerce
  • ZK-based audit tools
    • Merchant-facing receipts
    • Encrypted regulator-facing logs
    • Public proof of compliance, private user data
    • Travel rule support
  • Native fund lock feature
    • Funds stay in user wallet
    • Unlock via trigger or third-party event
  • Programmable conditions to expand logic of locks
  • Exchanges and other applications that have ID'ed users are engaged in a dialogue with Concordium on how to make onboarding on Concordium more seamless
  • Comments
  • - https://t.me/c/1659427635/31944 (389 words + PPTX overview etc)

7 Roadmap Outlook (6–12 Months)

  • Enterprise-grade ID onboarding tools
  • Multi-signature support for organizational accounts
  • Support for KYB and advanced identity providers (IDPs)
  • Merchant dashboards to manage PLTs and compliance features
  • NFT support as a modular extension of PLT framework
  • Open developer tooling for programmable PLT issuance
  • Interoperability bridges with industry-leading protocols
  • Validator tooling and onboarding improvements
  • Governance voting upgrades and UX refinement
  • Performance upgrades
    • Parallel execution engine
    • Light nodes for mobile and embedded applications
  • Comments

8 Live Demos: Verify-and-Pay and PLT Transactions

  • Verify-and-pay demo completed in 2 seconds via QR scan
    • CryptoX wallet scanned QR
    • Verified age via ZK and processed payment in one step
    • Proof created and timestamped anonymously
  • PLT demo using Aryze token
    • Mint, allowlist, and transfer bundled anatomically
    • Pause function demonstrated; blocks all 3 steps from executing
    • All steps must succeed or entire transaction fails
    • Shows built-in safety and regulatory control without smart contracts
  • Boris Commenting
    • Highlights the simplicity: scan, verify, pay — all in seconds
    • Emphasizes base-layer programmability, not smart contracts
    • Points to features like geofencing and jurisdictional control
    • Frames it as proof of real-world utility with compliance built into the protocol

9. Q&A – Community Questions and Executive Responses

  • 9.1 Tech updates and CCD price 
    • No direct price commentary, but significant foundational tech updates have been deployed and will continue.
  • 9.2 Support for ecosystem developers
    • Peter emphasized availability of SDKs, documentation, tutorials, and responsive support via Discord.
  • 9.3 Ecosystem page on the website 
    • Can be accessed via a blue button at the top right of concordium.com. The page is dynamic and will be continuously updated.
  • 9.4 Zero-knowledge proofs 
    • Already live on mainnet via CryptoX wallet. PLTs will further expand ZK use cases.
  • 9.5 Fiat-based fee model 
    • Transaction fees are pegged to fixed fiat values for predictability and stability—key for real-world use cases and sponsored transactions.
  • 9.6 Co-marketing with ecosystem partners
    • Standard practice. All commercial and technical partnerships include joint PR, event participation, and promotional content, coordinated for mutual benefit.
  • 9.7 EU regulator engagement 
    • Concordium actively and proactively engages with regulators, especially within the EU, aiming not only for compliance but to help shape industry standards.
  • 9.8 Updated tech roadmap 
    • Available via another central blue button on the homepage. Peter’s deck is part of this and will be regularly updated.
  • 9.9 Launchpad (ConcordPad) and DEX (ConcordEX) 
    • These were community-built by Tacans, not the core team. Activity is currently low, which aligns with the PayFi-focused strategy. DEX isn’t essential for stablecoin-enabled payments. Tacans is still in dialogue and interested in continuing the project.
  • 9.10 Layer 2 plans? 
    • No need. Concordium’s native Layer 1 is already scalable, fast, and efficient. No L2 is planned.
  • 9.11 “Sequencing” clarification 
    • Refers to the deliberate order of execution—not a hidden timeline. H1 focused on laying a foundation. H2 is where the rollout and larger ecosystem expansion will take place.
  • 9.12 Geographic expansion (US/Africa offices) 
    • Both regions are on the radar. The team is exploring “boots on the ground” for global presence, particularly in key PayFi regions like Africa and the US.
  • Comments

10. Closing Announcement – Kraken Listing

  • CCD listing on Kraken officially announced for this week
  • A major milestone unlocking access to 150+ countries, including the US and UK.
  • Kraken chose Concordium over many larger applicants, reflecting strong belief in the project’s vision.
  • Opens doors for massive global community growth and regulatory-compliant access, particularly in jurisdictions where other exchanges fall short.
  • Strong message to “look out” in the coming weeks. Team is confident that H2 will deliver on the strategic vision.
  • Comments

Wrap-Up: The Real Work Begins Now

If the first half of 2025 was about assembling the pieces, the second half is when the machine starts running. PLTs are live. Verify-and-pay is real. CCD is listed on Kraken. The message from the leadership is clear and confident. Concordium is not waiting for adoption. It is engineering it.

With major stablecoin issuers preparing to launch, regulatory use cases entering production, and a branding strategy that aligns narrative with infrastructure, the chain is no longer just technically strong. It is strategically positioned.

And the best part? This is just the start.

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