STWcoin / First Capital Co.
Institutional Reserve Partnership: Leveraging the GENIUS Act with Short-Term Treasuries
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Market Opportunity
GENIUS Act (18 Jul 2025)
First federal stablecoin framework
Massive Growth Potential
Treasury projects over $2T market cap by 2028 (10× growth)
Limited Window
Three-year window before non-compliant issuers are blocked
Stablecoin Growth Projection
STWcoin Positioning
1
Coin Supply
1B STWcoins minted; 73M treasury coins for liquidity & sales
2
Phase-1 Reserve
100M coins backed by $100M short-term Treasuries
3
Technology & Ecosystem
AI-driven reserve analytics + utility across SurfTheWeb media & AI ecosystem
Phased Reserve Backing Plan
Phase-1 Partnership Structure
Target Capital Mix – $100M:
Anchor Bank / Custodian
$50M — 20–25% equity
Fintech Integrator
$20M — 10–18% equity
Crypto VC / Infrastructure
$13.5M — 15–25% equity
Why Short-Term Treasuries?
100% GENIUS-compliant
(≤ 93-day maturity)
Yield 4.35%
→ +$3.6M/yr on $100M vs. cash deposits
Laddering
= weekly liquidity & rate protection
Zero credit risk
strengthens institutional confidence
SurfTheWeb Ecosystem Utility
STWcoin
Universal settlement & rewards token across all properties
SurfTheWeb.ai
AI tools marketplace (120k users)
SurfTheWeb.news, .TV, .education
Token-gated media & courses
Regional domains
(.com, .in, .asia) enable cross-border commerce
Competitive Edge
First-mover GENIUS Act compliance
Regulatory advantage over competitors
AI-enhanced reserve optimization
Intelligent treasury management
Integrated media + AI ecosystem
(vs. single-purpose coins)
Equity upside & reserve yield share
For partners
Risk Mitigation & Governance
Attestations & Certifications
Monthly third-party attestations & CFO/CEO certifications
Custody Structure
Multi-custodian structure; no rehypothecation
Security Audits
SOC-2 audited smart contracts & cybersecurity
Investor Rights
Board seat & audit rights for anchor investors
Investment Offer – Phase 1

Capital Requirement: $100M cash
→ converted to short-term U.S. Treasuries (laddered portfolio)
Equity Stake
Equity in First Capital Co. at $158M post-money valuation
Management Fee
Optional 0.30% reserve management fee share
Future Rights
Pro-rata rights in future rounds; liquidity event (IPO/strategic)
Next Steps
1
Step 1
Receive due-diligence package (SOC-2, code, traffic)
2
Step 2
Term sheet discussion & 30-day exclusivity
3
Step 3
Regulatory alignment call with counsel
4
Step 4
Close funding & launch 100M backed STWcoins
Contact
David B. Stewart
CEO, SurfTheWeb / First Capital Co.
david@SurfTheWeb.ai | +1 801-781-9554