• Post Fiat: Decentralizing XRP with AI for the AI Agent Economy*
• Overview*

Post Fiat (PFT) leverages advanced Large Language Models (LLMs) to transform XRP into a fully decentralized Layer 1 cryptocurrency optimized for the burgeoning AI agent economy. By addressing XRP's core limitations while preserving its technological strengths, Post Fiat positions itself as the intelligent cryptocurrency for the next generation of financial technology.

• The Problem and the Market*

In 2018, XRP peaked at $3. If it had matched Bitcoin's subsequent performance, XRP would now be a $300B+ asset. However, the market has penalized XRP due to several critical issues:

• Centralization: Ripple Labs controls the Unique Node List (UNL) and receives 100% of network escrow (40% over four years), effectively centralizing the network.
• Dilution: Ripple Labs consistently sells XRP without significant buybacks, diluting existing holdings.
• Narrow Scope: XRP's goal of replacing SWIFT exposes it to compliance risks amid geopolitical tensions and ongoing SEC lawsuits.

Despite these challenges, XRP offers significant benefits:

• Fast, Cheap Transactions: Processes 100,000 transactions for $5 with 1–2 second finality.
• High Reliability: Zero downtime in 10 years, outperforming networks like Solana.
• Fixed Supply: No supply inflation, unlike coins such as ETH.
• Strong Market Presence: A $60B market cap with over $1.5B in daily trading volume, affirming its status as a store of value.
• The Solution*

Post Fiat addresses XRP's shortcomings while harnessing its core technology:

1. Decentralization with AI:

• Replaces Ripple Labs and the XRPL Foundation's roles with AI-driven protocols.

• Eliminates centralized control over validator selection.

• Enhances censorship resistance and network security.

2. Accretive Tokenomics: