Demand Built.
Decline Blocked.
Demand Built.
Card payments build structural buy demand — without exchange sell pressure.
Payment = Sell
Card payment
Token sold
Sell pressure ↑
Price drops
Reward value ↓
User churn
Demand falls (→ cycle repeats)
Every payment pushes the token lower
Demand Built.
Market price < 90-day VWAP → Users favor Exchange AAG → Voluntary on-market buying → Natural price floor
Card top-up → Credit/Exchange choice → Bonus pool issuance → Pool depletion triggers Ayla on-market buying → Structural buy demand
※ Existing cards create sell pressure at payment; AAG builds buy demand at top-up.
Learn the APPM Structure →The Paradox of Crypto Cards
The more you spend, the more gets sold. AAG reverses this direction.
Card payment
Token sold
Sell pressure ↑
Price drops
Reward value ↓
User churn
Demand falls (→ cycle repeats)
Every payment pushes the token lower
Demand Built.
Market price < 90-day VWAP → Users favor Exchange AAG → Voluntary on-market buying → Natural price floor
Card top-up → Credit/Exchange choice → Bonus pool issuance → Pool depletion triggers Ayla on-market buying → Structural buy demand
※ Existing cards create sell pressure at payment; AAG builds buy demand at top-up.
Dual Token Architecture
Off-chain payment flexibility. On-chain transparency. Both, without compromise.
Credit AAG
· Off-chain payment asset — recorded in Ayla's ledger
· Issued 1:1 against USDT/USDC collateral
· Price locked at purchase date (90-day VWAP) — insulated from market moves
· Used for card top-ups, cashback, referral rewards — no external withdrawal
· Zero gas fees — instant processing
Exchange AAG
· On-chain BEP-20 — fixed supply of 1,000,000,000 AAG
· Freely tradeable on CEX / transferable between wallets
· Staking reward asset (6/12/24-month lock-up)
· Charge bonus asset: 4–8% (6-month vesting)
· Contract: to be published on BscScan at launch
Your Choice at Top-up — The Cardholder's Economic Choice
At top-up, choose whichever is economically advantageous — Credit AAG or Exchange AAG. Both are spendable on the card.
Choose Exchange AAG → Buy at market price on exchange → Natural price floor forms
Choose Credit AAG → Lock in stable VWAP price → No exchange sell pressure
The cardholder's rational choice is the engine that powers APPM price defense.
Three Payment Paths · Zero Exchange Sell Pressure
※ ERC-20 bridge (LayerZero under review) planned. Main chain: BNB Smart Chain (BEP-20).
Dual Token Architecture
Off-chain payment flexibility. On-chain transparency. Both, without compromise.
Credit AAG
· Off-chain payment asset — recorded in Ayla's ledger
· Issued 1:1 against USDT/USDC collateral
· Price locked at purchase date (90-day VWAP) — insulated from market moves
· Used for card top-ups, cashback, referral rewards — no external withdrawal
· Zero gas fees — instant processing
Your Choice
at Top-up
Exchange AAG
· On-chain BEP-20 — fixed supply of 1,000,000,000 AAG
· Freely tradeable on CEX / transferable between wallets
· Staking reward asset (6/12/24-month lock-up)
· Charge bonus asset: 4–8% (6-month vesting)
· Contract: to be published on BscScan at launch
Your Choice at Top-up — The Cardholder's Economic Choice
At top-up, choose whichever is economically advantageous — Credit AAG or Exchange AAG. Both are spendable on the card.
Choose Exchange AAG → Buy at market price on exchange → Natural price floor forms
Choose Credit AAG → Lock in stable VWAP price → No exchange sell pressure
The cardholder's rational choice is the engine that powers APPM price defense.
Three Payment Paths · Zero Exchange Sell Pressure
※ ERC-20 bridge (LayerZero under review) planned. Main chain: BNB Smart Chain (BEP-20).
Tokenomics
Fixed supply of 1,000,000,000 AAG. TGE Reference Price: $0.33 (Target).
Vesting Schedule
※ Private Investors (2% / 20,000,000 AAG) — 100% unlocked at TGE. Limited relative to total supply.
Additional issuance is not inflationary. It activates only when bonus, cashback, or staking pool shortfalls arise from card usage growth. Max 10% annually · Multi-sig approval · 30-day timelock · Mandatory pre-disclosure.
The OTC reference price for Credit AAG is recalculated daily using Exchange AAG's 90-day volume-weighted average price. When market price drops below VWAP, payment users are naturally incentivized to buy from the exchange — creating organic price support.
Exchange AAG received from card payments is not sold on exchange. It circulates internally: staking rewards first → charge bonus pool replenishment → long-term treasury holding. Off-market OTC sales permitted only when market price ≥ VWAP. Below-VWAP dumping prohibited by governance.
Tokenomics
Fixed supply of 1,000,000,000 AAG. TGE Reference Price: $0.33 (Target).
Token Distribution
Vesting Timeline
※ Private Investors (2% / 20,000,000 AAG) — 100% unlocked at TGE. Limited relative to total supply.
Reserve-Backed Minting
Additional issuance is not inflationary. It activates only when bonus, cashback, or staking pool shortfalls arise from card usage growth. Max 10% annually · Multi-sig approval · 30-day timelock · Mandatory pre-disclosure.
The OTC reference price for Credit AAG is recalculated daily using Exchange AAG's 90-day volume-weighted average price. When market price drops below VWAP, payment users are naturally incentivized to buy from the exchange — creating organic price support.
Exchange AAG received from card payments is not sold on exchange. It circulates internally: staking rewards first → charge bonus pool replenishment → long-term treasury holding. Off-market OTC sales permitted only when market price ≥ VWAP. Below-VWAP dumping prohibited by governance.
Card revenue → Exchange AAG market buys
→ bonus payouts → buy-demand flywheel
APPM cycle diagram (Reserve-Backed Minting Flow)
Choose Your Ayla Card
The deposit is not a cost. It converts 100% into Credit AAG — spendable from day one.
Your deposit is not a purchase price.
Step 1 — Instant Top-up
100% of the deposit converts to Credit AAG — spendable from day one.
· Platinum ₩50M deposit → Credit AAG ₩50M (instant)
· Black ₩100M deposit → Credit AAG ₩100M (instant)
Step 2 — Exchange AAG Bonus (6-month vesting)
Additional Exchange AAG delivered over 6-month vesting.
· Platinum: 6% of deposit (~₩3M on ₩50M)
· Black: 8% of deposit (~₩8M on ₩100M)
Membership — Lifetime
1,000-card limited membership status is maintained regardless of remaining balance.
※ "Cap APR" refers to the tier-based annual cap on Profit-Share staking yield. It is not guaranteed; actual returns vary with treasury performance.
※ Terms, figures, card quantities, and benefits subject to change before launch.
※ Annual fee in KRW. USD figures are indicative.
Choose Your Ayla Card
The deposit is not a cost. It converts 100% into Credit AAG — spendable from day one.
Your deposit is not a purchase price.
Step 1 — Instant Top-up
100% of the deposit converts to Credit AAG — spendable from day one.
· Platinum ₩50M deposit → Credit AAG ₩50M (instant)
· Black ₩100M deposit → Credit AAG ₩100M (instant)
Step 2 — Exchange AAG Bonus (6-month vesting)
Additional Exchange AAG delivered over 6-month vesting.
· Platinum: 6% of deposit (~₩3M on ₩50M)
· Black: 8% of deposit (~₩8M on ₩100M)
Membership — Lifetime
1,000-card limited membership status is maintained regardless of remaining balance.
※ "Cap APR" refers to the tier-based annual cap on Profit-Share staking yield. It is not guaranteed; actual returns vary with treasury performance.
※ Terms, figures, card quantities, and benefits subject to change before launch.
※ Annual fee in KRW. USD figures are indicative.
Roadmap
From TGE to global expansion — a 3-phase plan.
Phase 1 — Building the Foundation
✓ Cayman Islands entity established
✓ APPM mechanism design finalized
✓ Card infrastructure partner contract signed
In progress: Smart contract development + third-party security audit
May 2026 — 1st CEX listing / TGE $0.33 (Target)
Phase 2 — Card Launch & Ecosystem Activation
June 2026 — Black + Standard cards issued
September 2026 — Platinum cards issued
September 2026 — 2nd CEX listing / liquidity expansion
Staking system live (Profit-Share Cap APR)
Reserve-Backed Minting contract activated
Phase 3 — Global Expansion
Collateralized lending system launched
Additional global CEX listings
ERC-20 bridge live (LayerZero under review)
Korea market entry (VASP partnership model)
Multi-language / multi-region expansion
※ Roadmap timelines are plans and may be adjusted based on market conditions and regulatory changes. Milestone achievement is not guaranteed.
Roadmap
From TGE to global expansion — a 3-phase plan.
Phase 1 — Building the Foundation
· ✓ Cayman Islands entity established
· ✓ APPM mechanism design finalized
· ✓ Card infrastructure partner contract signed
· In progress: Smart contract development + third-party security audit
· May 2026 — 1st CEX listing / TGE $0.33 (Target)
Phase 2 — Card Launch & Ecosystem Activation
· June 2026 — Black + Standard cards issued
· September 2026 — Platinum cards issued
· September 2026 — 2nd CEX listing / liquidity expansion
· Staking system live (Profit-Share Cap APR)
· Reserve-Backed Minting contract activated
Phase 3 — Global Expansion
· Collateralized lending system launched
· Additional global CEX listings
· ERC-20 bridge live (LayerZero under review)
· Korea market entry (VASP partnership model)
· Multi-language / multi-region expansion
※ Roadmap timelines are plans and may be adjusted based on market conditions and regulatory changes. Milestone achievement is not guaranteed.
Read the Structure Yourself.
All 15 chapters, right here on the web. PDF too.
The Payment = Sell Paradox
The old model sells your tokens the more you spend.
Read Ch. 2 →CH 04Dual Token Architecture
Off-chain handles payments; on-chain handles the market.
Read Ch. 4 →CH 05The APPM Buy Engine
About 95% of buy demand comes from card top-up bonuses.
Read Ch. 5 →CH 06Tokenomics
Supply is fixed at 1B; new issuance needs governance approval.
Read Ch. 6 →These documents are provided for informational purposes only and do not constitute investment advice or an offer under any securities law. AAG is a utility token. Access may be restricted in certain jurisdictions. Figures and timelines on this page are model estimates and do not guarantee actual results.
Full terms available in Legal Docs →Read the Structure Yourself.
All 15 chapters, right here on the web. PDF too.
The Payment = Sell Paradox
The old model sells your tokens the more you spend.
Read Ch. 2 →CH 04Dual Token Architecture
Off-chain handles payments; on-chain handles the market.
Read Ch. 4 →CH 05The APPM Buy Engine
About 95% of buy demand comes from card top-up bonuses.
Read Ch. 5 →CH 06Tokenomics
Supply is fixed at 1B; new issuance needs governance approval.
Read Ch. 6 →Condensed summary PDF · KR & EN
BEP-20 deployment · published after external audit
Third-party report · due before TGE
3 filings, 46 claims · in preparation
Terms · Privacy · Risk · Jurisdictions
These documents are provided for informational purposes only and do not constitute investment advice or an offer under any securities law. AAG is a utility token. Access may be restricted in certain jurisdictions. Figures and timelines on this page are model estimates and do not guarantee actual results.
Full terms available in Legal Docs →The card where payment builds demand.
No exchange sell pressure. Demand grows with every use.
Apply Now →The card where payment builds demand.
No exchange sell pressure. Demand grows with every use.