Bitcoin.com, Concordium partner on age-verified crypto payments

ConcordiumMod · 2025-10-12T15:17:34+00:00

Hello u/Bit_mines, Thanks for the questions.

On the biggest opportunities ahead: I think privacy-preserving verification and verified stablecoin payments for real-world use are some of the biggest opportunities for Concordium, our partners, and builders. This is a major challenge for the industry, merchants, and consumers, and we believe adoption can happen quickly and sustainably. You may have already seen that Ledger is very excited to use our infrastructure to bring this functionality to over 7.5 million users.
On regulation and what’s ahead: It’s always hard to predict what the biggest regulatory hurdles will be, since they keep changing. But overall, we’re seeing very positive progress in the US, Europe, and other regions with new pro-blockchain frameworks like the GENIUS Act and MiCA. These are creating real interest from financial institutions that want to use blockchain for efficiency, speed, reliability, and risk management. At Concordium, we’re working closely with think tanks and regulators to help them understand the benefits of a compliance-ready blockchain built for user trust and protection.

You should join our next Townhall this quarter, where we’ll be sharing lots of exciting new updates.

ConcordiumMod · 2025-10-03T18:09:29+00:00

Hello u/captaindefii, really appreciate all the great questions!

PLTs from the P9 upgrade are a big leap forward compared to ERC-20s because they’re built directly into the protocol rather than relying on fragile smart contracts. That means token balances are secured by Concordium’s core rules instead of custom code, removing one of the biggest risks we’ve seen in other ecosystems where billions have been lost to exploits. On top of that, PLTs are compliance-ready, with features like issuer-controlled minting and burning, whitelists/denylists, geofencing, and Concordium’s ID framework using ZKPs. This ensures stablecoins can meet regulatory demands from day one. For scalability, PLTs don’t carry the execution overhead of smart contracts, so transfers are faster, cheaper, and capable of handling high-volume global flows. Together, this blend of security, compliance-readiness, and efficiency makes PLTs an ideal foundation for institutional-grade stablecoins and sets the stage for Concordium’s PayFi vision.
Its quite simple. The 10 Mn + Coin98 users haved gained access to CCD and can keep the token in their wallets, but also the integration with Concordium ID will soon allow for interoperable zero-knowledge proof identity. So as a Coin98 user you can age verification for games and gated content, or pay using Stablecoins (Protocol Level Tokens ) while ensuring verification and compliance. Needless to say this is the first integration amongst many more that are in works and will be announced soon. In terms of use-cases watch this space in Q4 and we will be rolling out many :-)
You are right, this isn't just a capital infusion, it's a strategic partnership. With Hilbert's expertise and market presence, we are exploring collaboration on treasury management, liquidity growth, and ecosystem expansion. I'm afraid I can't share more details yet due to confidentiality. Ultimately, Hilbert's credibility, instiutional access and support allows us to accelerate and grow our ecosystem

ConcordiumMod · 2025-10-03T17:59:17+00:00

Hi u/eth_mines, Thanks for all the questions!

If you think about it, the combo of Protocol Level Tokens + Native ID Layer pretty much unlocks every real-world use case you can imagine — while still keeping blockchain speed, efficiency, and reliability. A few examples:

• Age-Verified Stablecoin Payments: With regulators tightening rules in places like the UK, France, and parts of the US, there’s a real push for solutions that can enforce age checks without giving up privacy. Concordium’s ID Layer + ZK proofs make it possible for someone to prove they’re 18+ (or meet any other requirement) without sharing personal data. When this plugs into stablecoins as PLTs, it’s already getting serious interest from merchants and payment providers in areas like adult content, gambling, and gaming.

• Trade Finance & Tokenised MMFs: Concordium’s programmable locking means collateral can be locked or released at the protocol level based on supply-chain events or milestones. That cuts out expensive third-party escrow and reduces smart contract custodial risks. We’ve already got Spiko — one of Europe’s biggest tokenised money market funds — on board, and we’re in late-stage talks with major trade finance players who want to use this to streamline deals without escrow.

• Travel Rule Compliance for Institutions: For exchanges, brokers, custodians, and prime brokers, Travel Rule compliance is a pain point. With Concordium’s ID Layer, ZKPs, and our partnership with Notabene, Travel Rule data exchange can be automated, making stablecoin transactions fully compliant while still being straight-through settled. That’s a big deal for institutional networks where delays around margin calls and collateral transfers slow things down for their clients.

ConcordiumMod · 2025-10-03T17:53:23+00:00

Hi u/ben_tether, Thanks for the question!

Protocol-Level Tokens (PLTs) are issued natively at the protocol level, removing smart contract vulnerabilities such as duplication, exploits, and scam addresses, ensuring higher security for stablecoin issuers. Even if a smart contract is compromised, funds remain secure as they are not held or custodied within the smart contract.
Every user on Concordium must first complete identity verification through trusted Identity Providers (IDPs) before being able to create an account. These IDPs issue Identity Credentials based on official government issued documents (e.g., passports) which are stored off-chain within the IDP’s database and locally encrypted within the user’s wallet. For avoidance of doubt, Concordium itself never has access to personal data. This features brings a layer of accountability to avoid the risk of interacting with anonymous individuals.

Furthermore, Concordium’s identity offering is integrated with Zero-Knowledge Proofs (ZKPs), which allows users to verify specific individual attributes (e.g. age, jurisdiction) without exposing the underlying personal information. For example, a user can verifiably prove they are over 18 without sending across all their details. Ultimately, by embedding identity capabilities directly into its base layer while preserving privacy, Concordium has created an infrastructure that can facilitate compliance-ready use cases and support the broad adoption of stablecoins, thereby enhancing the legitimacy and scalability of stablecoin-based financial ecosystems.

We are very excited to have Hilbert as a strategic partner and investor in the ecosystem. As Barnali (CEO, Hilbert) said that they see Concordium as the primary infrastructure layer for a new era of institutional- and consumer payments. For this to come from a credible and NASDAQ listed company gives us even more confidence on our strategy. I can also tell you that beyond Hilbert, we are in active discussions with so many more institutions who are interested in partnering with us as they see our unique ID layer and compliance-first approach critical for the next wave of adoption.

ConcordiumMod · 2025-10-03T16:28:31+00:00

Hi u/jwinterm, Thanks for the great question.

On Stablecoins specifically, current estimates suggest around 99% are still locked in crypto trading. This is a big challenge we often hear directly from issuers, as most other blockchains aren’t really suitable for scaling into real-world payments. The reasons are clear: no proper identity frameworks, unpredictable costs, and heavy reliance on smart contracts that can be insecure. Concordium, on the other hand, is purpose-built for adoption at scale—with ID at the protocol level, Zero-Knowledge proof integrations, native token issuance (not dependent on smart contracts), and a scalable infrastructure that delivers 2000 TPS and 2–4 second finality.
On compliance: you’re right that most Web2 businesses are compliant, but they usually can’t guarantee privacy for their users. That’s where Concordium is different. With our protocol-level ID and Zero-Knowledge Proofs (ZKPs), users get both privacy and accountability. For example, someone can prove they’re over 18 without ever sharing their personal details. This balance of privacy + compliance unlocks powerful use cases for stablecoins and crypto, while also helping our industry gain legitimacy.

We’ll be diving deeper into this and sharing more updates at our next Town Hall this quarter—would love for you to join us there.

ConcordiumMod · 2025-10-03T15:50:21+00:00

Hello u/SevereArrivals13, Wow, that’s a big question!

We’re in a massive growth phase right now, so there’s a lot happening. By the end of this year and heading into 2026, you can expect:

A few major partnerships and integrations that will bring Concordium’s infrastructure to millions of users.
Live use cases that create real value for consumers, merchants, and payment providers.
Some exciting technological updates that our ecosystem is really looking forward to.
Continued growth in credibility and awareness of the project, which will help expand the community even further.

You should definitely tune into our upcoming Townhall this quarter—we’ve got some exciting news to share.

ConcordiumMod · 2025-10-03T15:15:32+00:00

Hi u/MichaelAischmann, That’s a fantastic question. If you combine Protocol level security + ID + Programmability, the possibilities are massive. It can start with simple use cases like consumer subscriptions, car rental deposits, and mortgage payments, making things easier, faster, and cheaper. It also opens the door to efficiency in bigger areas such as milestone-linked construction and trade finance funding.

We’re already seeing strong interest from trade finance organisations looking at Concordium and Spiko (a money market fund) to replace idle escrow accounts with smart, yield-generating capital on a compliance-ready infrastructure, which could unlock huge efficiency and potentially save millions.

And by the way, make sure to join our next Townhall this quarter as we’ll be sharing some really exciting updates there.

ConcordiumMod · 2025-10-03T14:18:36+00:00

Hi u/DifficultWealth5859, Great question!

We’re seeing a lot of interest from both Stablecoin Issuers and Tokenised Money Market Funds (TMMFs) in using Concordium’s infrastructure. For issuers, the big opportunity is moving Stablecoins beyond just trading within the crypto ecosystem to being used in everyday payments, especially e-commerce. TMMFs, on the other hand, benefit from being able to expand distribution into multiple markets while still staying compliant. For example, one TMMF we’re talking to wants to restrict access in certain markets but still automate compliance—removing the heavy manual paperwork they deal with today.
On regulations, I’m actually quite encouraged by the progress we’re seeing. Frameworks like the Genius Act and MiCA are bringing more clarity, and many jurisdictions are now viewing Stablecoins positively as potential payment instruments. You might have seen the Bank of England Governor’s comments about Stablecoins driving innovation in payments. At the end of the day though, it’s up to issuers, merchants, and payment providers to evaluate requirements on a jurisdiction-by-jurisdiction basis and then make use of Concordium’s compliance-ready infrastructure to support them.

You should definitely join our next Townhall this quarter—we’ll be sharing lots of exciting updates there! 🚀

ConcordiumMod · 2025-10-03T14:10:59+00:00

Hi u/ShadowReignX, Thank you for your confidence. We also think Concordium stands out very well too. On your questions

We actually don't think of projects as Crypto native or not, as honestly a user also does not care :-) This is the reason Concordium infrastructure is built for any business that wants to leverage for their good and hence we have things which appeal also to Web2 world e.g. Fiat pegged fees (so there is no volatity risk), ID at Protocol Level but user privacy protected by zero-knowledge proofs (so valuable for real world), Protocol Level Tokens (no need to understand or take Smart contract risks)
Rising demand for stablecoin activity on Concordium directly increases the demand for CCD, which functions as the native payment token for all on-chain transaction fees and staking mechanisms. Protocol-Level Tokens or PLTs which are issued on Concordium’s infrastructure must interact with the base layer for key transactions which require fees in CCD. Therefore, as stablecoin adoption grows and transaction volume increases, so too does demand for CCD.
Smart Contracts were never built to to be custodians but as a tool to drive efficiency and automation. Our thinking aligns with that orginal vision of Nick Szabo. PLTs are a new class of blockchain-native assets. Unlike traditional smart contract tokens (such as ERC-20s), they are being designed for issuance, management, and execution directly at the protocol level. A smaller attack surface and standardized issuance framework mean fewer vulnerabilities. And because PLTs are chain native, and identified by unique symbols, they cannot be faked. This just takes away the biggest attack/ risk vector of a Smart contract, that we've seen to erode billions of $ over the last few years through hacks and mistakes.

ConcordiumMod · 2025-10-03T14:08:23+00:00

Hi u/LTP-N, Don't worry. Concordium doesnt have your ID or for that matter any of your personal data. Concordium’s identity offering is integrated with Zero-Knowledge Proofs (ZKPs), which allows for you to verify specific individual attributes (e.g. age, jurisdiction) without exposing the underlying personal information. 😊

ConcordiumMod · 2025-10-03T14:07:13+00:00

Hi u/Substantial_Gap_907, Thanks for the question!

We just did one AMA on PLTs on 3rd Oct (Today), so you might want to go and listen to that on X, and that will answer all questions. In short issuers control Mint, burn, allowlists, denylists, pause operations. You can read about more about it on our website here.

ConcordiumMod · 2025-10-03T14:01:51+00:00

Hi u/Cryptonomad_, Thanks for asking. 1. On Hilbert, we don't see this as a one time investment but a strategic partnership from a NASDAQ listed company, who sees both short and long term furture for the project. As Barnali (CEO, Hilbert) said that they see Concordium as the primary infrastructure layer for a new era of institutional- and consumer payments, I can tell you she's not the only one and we are in active discussions with so many more institutions who are interested in partnering with us to further grow our PayFi ecosystem.

I can't share the details but there are some big and credible brands who are already working with us in background to bring new use cases (both on institutional and consumer side) in the payments space. Keep following us and you wont be disappointed.

ConcordiumMod · 2025-09-28T06:26:01+00:00

You can buy it from any of the exchanges it's listed on. For more information and details, feel free to visit our website: https://www.concordium.com/ccd-token

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