⚠️ Digital Asset Risk Disclosure:  SolMate (SOMA) is a decentralized token subject to high market volatility. Its value can change rapidly, and all representations—visual, verbal, or digital—are strictly informational. Holding SolMate involves inherent risk. Losses, both financial and emotional, may occur. By engaging with SolMate in any form, you acknowledge full responsibility for your decisions and agree that SolMate’s creators are not liable for outcomes. Always do your own research (DYOR). If unsure, consult a qualified financial professional.

Once abandoned in the quiet corners of the countryside, Solie—a petite white cat with a graceful charm, and Soma—a vibrant brown dog with loyal eyes, had very little between them, but they had each other. They became great friends while living in a forgotten barn, scavenging for scraps, and sleeping beneath star-lit skies. As their companionship grew stronger and deeper, their dreams also grew bigger. One day, while digging around in an old shed, they stumbled upon a dusty tablet left behind by a wandering traveler. Inside was a world neither had imagined existed: cryptocurrency, blockchain, and the possibility of building something bigger than themselves. With wagging tail and whiskered determination, they envisioned a future where no animal would suffer abandonment or hunger. 

Together, they launched SolMateCoin, blending Soma’s bold heart with Solie’s clever mind. The coin is deflationary, community-powered, and driven by one noble mission: to fund no-kill shelters across the country and eventually the world. Soma and Solie are becoming icons of hope—proof that even those left behind can rise to lead.

As their coin gains traction, countless animals will be afforded food, shelter, and love, all thanks to YOU, and two unlikely founders with a shared purpose and a digital dream.

“Pets have a way of finding the people who need them and filling an emptiness we didn’t even know we had.”  – Thom Jones

The SolMate Shelter Initiative:

SolMate isn’t just transforming passive income—it’s transforming lives. Once we reach a $3 million market cap, 38% of SOMA’s development fund will be directed to a dedicated wallet and distributed in an effort to support no-kill animal shelters across the country and eventually the world. Donation increases on a graduated scale based on Market Cap Milestones. Whether it's helping a pup or kitty find its forever person or providing the resources that keep shelter doors open, every transaction pushes hope forward.

 How will we Help:
  - Nutritious food for shelter animals 
  - Medical care and emergency support
  - Expansion funding for safe, loving environments. 
  - Much more.... 

With Soma and Solie leading the charge, our community will not just be holding coins, we’ll be holding a mission. 
Hold. Earn. Save Lives. It’s more than a slogan. It’s a promise!

Crypto vs. Fiat: What’s the Difference, and Why Should You Care?

Ever wondered why people are trading dollars for something called “DOGE” or “ETH”? Or why your favorite store accepts Bitcoin but not Monopoly money? Let’s unpack this in real terms — no jargon, just vibes.

What is Fiat?

Fiat is the fancy name for the money issued by governments — like USD (U.S. dollar), EUR (euro), or JPY (yen).

• It’s backed by trust in the government, not by gold or silver.
• You use it every day: to buy coffee, pay rent, tip your barber.
• It’s centralized — created and controlled by central banks like the Federal Reserve.
• Inflation can affect its value — $20 today may not buy the same stuff in five years.

Bottom line: Fiat = traditional cash, issued by governments, governed by policies.

What is Crypto?

Cryptocurrency, aka crypto, is digital money that runs on blockchain tech — secure, decentralized, and borderless.

• Bitcoin, Ethereum, SolMate (SOMA), and thousands more live online.
• No banks or middlemen — your wallet talks to the network.
• Some coins are deflationary (they burn supply) and reward holders in other assets (like SOMA giving SOL).
• Values can rise FAST... or drop just as fast. It’s a rollercoaster with upside.

Bottom line: Crypto = digital, decentralized, programmable money.

Side-by-Side Cheat Sheet

Why Crypto’s Gaining Steam

• Global access — anyone with a phone and internet can join.
• Passive income — earn from holding, staking, or farming.
• Ownership — YOU control your money. No bank holds your keys.
• Mission-driven tokens — like SOMA funding animal shelters.

Can Crypto and Fiat Coexist?

Absolutely. Many projects are building bridges between the two (think ISO 20022, digital dollars, and payment networks). The future isn’t one or the other — it’s interoperability, inclusion, and freedom of choice.

🏛️ Fedwire Goes Live with ISO 20022

• On July 14, 2025, the Federal Reserve’s Fedwire Funds Service officially migrated to ISO 20022.
• This marks a major leap in payment messaging modernization, enabling richer data, faster settlement, and better cross-border interoperability.
• The transition was smooth, with no major disruptions reported by banks or vendors.

🔗 Crypto Implications

• ISO 20022’s structured messaging format aligns perfectly with blockchain protocols, making it easier for compliant cryptos to integrate with traditional finance.
• XRP, Stellar (XLM), Algorand (ALGO), Quant (QNT), and Cardano (ADA) are in the spotlight for their ISO compatibility.
• RippleNet, which uses XRP, is now better positioned to plug into Fedwire’s upgraded infrastructure.

🌍 Global Momentum

• Over 70 countries have adopted ISO 20022, including the Eurozone and UK, which completed their transitions in 2023.
• SWIFT’s coexistence period ends in November 2025, meaning banks must fully migrate or risk payment rejections.

⚠️ Urgency for Banks

• In India, the IBA is urging banks to accelerate migration to avoid cross-border payment issues and message failures.
• Only a few banks have reached 85% readiness, with most still lagging behind the global deadline.

💡 What It Means for You

This shift isn’t just technical—it’s foundational. ISO 20022 opens doors for interoperable crypto ecosystems, real-time compliance, and tokenized asset settlement. If SolMate’s future includes integration with traditional rails or institutional partnerships, this is the infrastructure it’ll need to speak fluently.

* ISO 20022 Ecosystem Map *

1. Core Features of ISO 20022

2. Institutional Adoption Pathway

3. ISO-Compatible Crypto Assets

4. Messaging Evolution Timeline

text

→ Legacy SWIFT MT (pre-2023)
→ ISO 20022 XML messages (2023–2025)
→ Unified APIs with blockchain support (2026+)

5. 🚀 Impact on Crypto Adoption

• Banks now speak the same language as blockchains
• Easier tokenized asset reconciliation and reporting
• Prepares ground for CBDCs and DeFi bridges
• Boosts institutional investment in compliant crypto projects

Turn your phone for a landscape view

SolMate Monthly Tax Breakdown (Shelter Starts at $3M)

Tax Rate: 6% • Rewards: 50% • Dev Fund: 25% (Shelter Deducted) • Liquidity: 20% • Burn: 5%  Volume Estimation: 30-Day Average = 5% Daily Volume × 30

🐾 SolMate Coin (SOMA) 

Whitepaper Version: 1.1  

Date: July 19, 2025  

Blockchain: Solana  

Mission: Crypto with Compassion — Hold, Earn, Save Lives

Overview

SolMate (SOMA) is a deflationary, passive-reward token built on the Solana blockchain. Designed for speed, scalability, and social impact, SOMA delivers automated SOL rewards to holders while funding verified no-kill animal shelters across the U.S.

Tokenomics

• Total Supply: 1,000,000,000 SOMA
• Transaction Tax:6% on all sell/transfer events
  • 50% — Direct SOL Rewards to Holders
  • 25% — Development Fund (includes Shelter Initiative)
  • 20% — Liquidity Reserve
  • 5% — Token Burn
• Burn Mechanism: Decreases supply to increase scarcity
• Passive Rewards: Automatic SOL payouts every 15 minutes for wallets holding ≥100,000 SOMA
• No Staking Required: Rewards are frictionless and gas-free

Charity Utility: SolMate Shelter Initiative

• Funding Begins @ $3M Market Cap
• Initial allocation: 38% of Development Fund
• Allocation increases 2% per tier, reaching 90% @ $2B
• Funds used exclusively for verified no-kill shelter operations
• Shelter partners selected by community vote
• All donations tracked and published on-chain

Certificate of Irrevocable Commitment

SolMate Shelter Initiative Allocation 

Agreement Effective Date: August 23, 2025 

Issued By: SolMate Creators  

Beneficiaries: SolMate Community

This agreement affirms an irrevocable commitment to allocate designated portions of the Development Fund (from the 6% transaction tax) to the SolMate Shelter Initiative Wallet. Funds scale by market cap milestone:

Funds will be governed through a publicly visible wallet and a rotating board of trustees. Governance includes:

• Board oversight of disbursements
• Public announcement of wallet address
• Transparency of all on-chain transactions
• Use restricted to verified nonprofit and no-kill shelter partners

Signatories:  SolMate Founders: Avery Beltz, Madeline Andrews, Natalie Andrews

Community Trustees: Ronald Andrews

Any attempt to alter this agreement without unanimous community consent and legal validation is null and void.

Technology & Infrastructure

• Blockchain: Solana — ultra-fast and scalable
• Wallet Compatibility: Phantom Wallet preferred
• DEX: Raydium for launch liquidity and trading

Community & Governance

• Decentralized Ownership: No centralized authority
• On-Chain Transparency: Taxes, rewards, and donations are publicly viewable
• Governance: Token holders help select shelter partners and vote on future initiatives

Join the Movement

SolMate isn't just a token — it's a cause.  Hold SOMA. Earn SOL. Save Lives.

Website: www.solmatecoin.com   

Telegram: @solmatecoin25  

X (Twitter): @coin_solma41145

Facebook: SolMate/SolMate Coin