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

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

https://genius.stwcoin.net