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Tokenisation
XIXOIO · 2017—2027
From a 2017 hypothesis to the Genesis One OS prototype awaiting regulatory assessment. Since 2017, work on a system that brings companies and assets into digital form — with verified identity, clear rules and a design for regulated environments.
XIXOIO · milestone
2017
Programmable assets, enterprise blockchains (enterprise DLT) and emerging artificial intelligence were developing separately. Our hypothesis was that they would one day converge — and that this convergence would require verified identity, clear rules and an operating architecture.
The vision was not proof. It was the start of the work.
OpenAI — founding an artificial-intelligence pioneer
Hyperledger — institutional blockchain rules
Pantheon / Besu — an Ethereum client for smart contracts
EBSI — European Blockchain Partnership
European Parliament — comprehensive blockchain study
European Commission — member-state commitment to digital public administration
XIXOIO · milestone
2018
At the Slovanský dům in Prague, we held a two-day international conference, the “First Crypto Banking Conference in the World”. Blockchain experts, representatives of financial institutions and the public sector opened a discussion there on the relationship between digital assets, central banks and the monetary system.
Czech National Bank — conference presentation (PDF) · CzechCrunch, 31 October 2018 · conference recording — aftermovie (YouTube, XIXOIO channel) · Thomas Nägele’s talk on the blockchain act (YouTube, XIXOIO channel)
XIXOIO · milestone
2019—2021
Early crypto markets operated without rules. No framework or standard for regulated corporate tokenisation existed at the time. We had to build what we needed from the ground up: metrics, tokenomics, governance, identity, compliance and documentation. In 2021 we launched Blockchain Genesis, verifying clients through the BankID banking identity service.
The token was the first layer. The goal was always the entire system.
Týdeník Hrot weekly, 28 May 2021 · BankID — XIXOIO archive · Blockchain Genesis — press release · XIXOIO at the CNB round table · XIXOIO and Brno University of Technology join forces · Independent review of the Blockchain Genesis scientific WhitePaper · New Creatio CRM system
XIXOIO · milestone
2022
The first corporate tokenisation projects were publicly presented on the platform, and tokens were distributed for some of them. Publicly documented projects include real estate, vehicles, private television and footwear manufacturing. Others, including commodities, remained at various stages of preparation.
From a model to real companies.
Endless Trail — real estate tokenisation (ETX Token) · A11 — the first media token in the Czech Republic (A11x) · XIXOIO archive, 16 February 2022 (company archive)
XIXOIO · milestone
2022
On 29 November 2022, the police carried out criminal proceedings at the Czech company XIXOIO. A year later, on 4 December 2023, the commencement of a criminal prosecution on suspicion of fraud was announced. The proceedings are in their fourth year at the pre-trial stage. The presumption of innocence applies.
Operation of the systems and companies continued. Work on documentation and architecture continued.
XIXOIO · milestone
2023
The tokenised companies began operating with the funds raised through issuance, and their corporate bodies resolved on the distribution of profit and on payments under the terms of the individual token issues. The payments were made by the issuers themselves, net of withholding tax. The model thus ran the full course it describes: from token issuance through company operations to distribution of what the company earned.
It was never about issuing a token. It was about reaching the end of the cycle.
XIXOIO · milestone
2023
We began the path towards regulation long before the crypto world acknowledged that digital assets need rules just like traditional finance. Thomas Nägele, a lawyer and co-author of Liechtenstein’s TVTG Act, spoke at our 2018 conference. We commissioned his firm to prepare a seventy-page legal assessment — a second opinion — on applying that framework to our model. A registration is not an approval.
recording of T. Nägele’s talk, 2018 conference (YouTube, XIXOIO channel)
Meanwhile, around the world
2023
At the end of 2022, Larry Fink of BlackRock, the world’s largest asset manager, called the tokenisation of securities the “next generation for markets”. The European Central Bank then began exploring how transactions from DLT platforms could be settled directly in central bank money.
DealBook Summit, The New York Times, 30 November 2022 · ECB, 28 April 2023 · status as of 07/2026
XIXOIO · milestone
2024
We changed the company structure. Work began on documentation for a new stage and on preparing entry into the UK Digital Securities Sandbox (BoE/FCA), open since September 2024. Preparing to enter is neither an authorisation nor an admission. A consultation is not a licence or an approval.
Bank of England / FCA — opening of the Digital Securities Sandbox · FCA PS24/12 — launch announcement and final guidance · UK–US Financial Regulatory Working Group — cross-border cooperation, Winter 2026
Meanwhile, around the world
2024
At Davos, tokens and blockchain ranked among the central themes in the discussion of emerging technologies. During the Eurosystem’s exploratory work, 64 participants carried out more than 50 trials and experiments and settled approximately €1.6 billion in central bank money. Since 30 December 2024, MiCA — Europe’s first unified rules for crypto-assets — has been fully applicable.
Forbes — The Top 5 Things From Davos 2024 · ECB, final report 1 July 2025 · ESMA · status as of 07/2026
XIXOIO · milestone
2025
We completed the Genesis One OS ecosystem documentation for commercial regulated tokenisation — describing its architecture, modules, risks and supervision. We applied to the Czech fintech sandbox and launched a new website. A sandbox application does not demonstrate approval, a licence or a registration. xixoio.co.uk describing the modules, blockchain connections, technology and supervisory model.
xixoio.co.uk — public description of the architecture
dltsandbox.com — overview of the planned entry into international sandboxes
Meanwhile, around the world
2025
The Bank for International Settlements (BIS) — the “bank for central banks” — described a unified tokenised ledger: central bank reserves, commercial bank money and tokenised assets on one infrastructure, with central bank money as the anchor of trust. In its annual report, BlackRock identified verified identity as one of the conditions for scaling tokenised funds.
This was not crypto defeating banks. It was a new operating interface between them.
BIS, 24 June 2025 · BlackRock — Annual Chairman's Letter 2025 · status as of 07/2026
XIXOIO · milestone
2026
In January 2026, we presented a prototype of Genesis One OS, an operating system for regulated tokenisation, awaiting regulatory assessment, and began releasing its individual modules.
The Genesis One OS target architecture follows the company lifecycle from formation and financing through operations to disputes, insolvency or criminal proceedings.
In spring 2026, we responded to the Eurosystem’s public call concerning the Pontes and Appia programmes: we submitted comments on the standardisation of regulated tokenisation in Europe together with a description of our solution. This does not constitute a partnership with the ECB, its endorsement or approval.
TECHNOLOGY PROTOTYPE · TARGET ARCHITECTURE · AWAITING REGULATORY ASSESSMENTtokenizace.cz, February 2026 — prototype presentation (project source)
Genesis One OS — complete architecture (access on request)Technical description of the layers, blockchain connections and oversight model on the website of the UK parent company. — XIXOIO LTD↗None of these modules is described as production today. When one is, we will say so here.
Genesis One OS is not licensed or regulator-approved financial infrastructure. The preparation of XIXOIO LTD’s DSS application does not change this status.
The individual modules have different levels of readiness and different operators; regulatory sandboxes are the next step.
The next client environments open within the Company Ready for Digital Capital programme in Q1 2027 (see The path).
Standalone products are not part of Genesis One OS and have their own status and operator.
XIXOIO · milestone
2026
· updated · XIXOIO LTD
XIXOIO LTD, the UK parent company, is preparing its Gate 1 application to the UK Digital Securities Sandbox (DSS). We plan to submit in the fourth quarter of 2026.
The application concept is complete; the supporting materials are being finalised. Before submission we are carrying out a consolidated review of the legal scope of the intended activities, the responsibilities of each entity, the technical dependencies and the control mechanisms. Particular attention is given to ensuring that the documentation accurately reflects the actual state of the solution and clearly defines the scope of the testing proposed within the DSS.
The preparation follows preliminary discussions with representatives of the Bank of England and the Financial Conduct Authority in September 2024 and builds on research and development that XIXOIO has pursued since 2017. Our intention is to present a coherent concept for regulated commercial tokenisation that combines technology with clear accountability, risk management and verifiable records.
We are giving this phase heightened attention in view of the scope of the work to date and the responsibility associated with the future use of the system. We want to present a clear, evidenced proposal with a specific innovation benefit and a defined path to meeting the applicable legal and regulatory requirements.
The applicant is XIXOIO LTD (Companies House no. 11013311). XIXOIO LTD is not currently authorised by the Financial Conduct Authority or the Bank of England. Preliminary discussions, preparation and submission of an application do not constitute admission to the DSS, Gate 1 approval, or any endorsement or recommendation by the Bank of England or the FCA. Any participation in the DSS would relate to a specific approved scope of activities; it would not in itself permit the operation of all Genesis One OS modules.
Meanwhile, around the world
2026
The Eurosystem is preparing Pontes — a connection between market DLT platforms and TARGET services, planned to launch from the third quarter of 2026 — alongside the long-term Appia vision. Hundreds of companies and dozens of banks are building regulated digital money:
External market developments with links to primary sources. This does not imply a partnership, endorsement or assessment of Genesis One OS.
XIXOIO · NEXT STEPS
2027
Three steps that do not wait for each other.
Step 1 · Q4 2026
We are finalising XIXOIO LTD’s Gate 1 application materials for submission to the UK Digital Securities Sandbox in Q4 2026. The Bank of England and FCA will be asked to assess our approach to recording and settling digital securities, including responsibilities, controls and the use of Genesis One OS.
in progressStep 2 · Q1 2027
The 18-step WideWeb3 programme (DAOUBO DAO, LLC) will help a company prepare its own issue of up to EUR 5 million or entry into a sandbox. The company will gain AI agents designed to work under capital-market rules, with defined mandates, human oversight and an audit trail. The programme does not handle companies' money or securities.
in developmentStep 3 · Q2 2027
A summary report will show the programme’s results and companies’ readiness for the first issue. To prepare and carry it out, we aim to engage four partners under contract: a securities dealer to place the issue, an auditor to verify data, a bank for the cash side and a validator operator to validate entries on the Genesis network.
plannedXIXOIO · GENESIS ONE OS
Genesis One OS is designed primarily for small and medium-sized companies and owners of real-world assets. It prepares their data, ownership, people, roles, rules, agentic workflows and risk management for digital capital — tokenised rights, digital money including stablecoins, and connectivity to regulated financial infrastructure. Funds and investment partners can use the same system across multiple companies and assets.
| Who it is built for | Main value |
|---|---|
| Small and medium-sized companyTypical need: Adopt AI and agentic operations, tokens and digital money without creating disorder in data, roles, records, accounting evidence, storage and accountability. | A governed transition from current operations to digital capital: verified data and identity, mandates for people and AI, storage rules, agentic workflows, risk management, accounting evidence and an audit trail. |
| Owner of a real-world asset, project or rightsTypical need: Prepare real estate, an energy or industrial project, a receivable, an equity interest, media or intellectual property rights for new capital. | A verifiable digital structure of the asset, its ownership, cash flows, rights, rules and risks — ready for due diligence, a tokenisation model and connectivity to regulated partners. |
| Fund, manager or investment partnerTypical need: Prepare, finance and continuously monitor multiple companies and assets according to one repeatable standard. | Branded infrastructure for preparing clients and portfolios for digital capital, tokenisation, agentic risk management and ongoing monitoring. |
Banks, payment institutions, stablecoin issuers, depositaries, custody providers and DLT/DSS infrastructures connect as partners for money, control, custody, distribution and settlement. Genesis One OS prepares the company or asset for this connectivity and transfers verified data, rules and responsibilities.
Genesis One OS prepares companies and assets for digital capital and supports process governance. It does not provide capital, perform regulated financial services or replace legal, investment or risk assessments by responsible institutions.
XFM BOOKS
Tokenization does not begin with blockchain. It begins with a decision that must withstand scrutiny from auditors, creditors, and supervisory authorities.
£29
658 PAGES · PDF + EPUB + MP3 · ENGLISH
Audiobook free with the e-book edition.
A decision map for CFOs, executive management, legal and compliance teams. It connects law, capital, accounting, technology, and operations so leaders can assess what should be tokenized, which controls are required, and how to move from concept to responsibly governed operations.
An author-developed standard (AS-DESIGNED), not a standard adopted by a regulator.
Buying the book is not the purchase of a token, an investment or a financial instrument.
A company must become investable before it becomes tokenised.
£12
261 PAGES · PDF + EPUB + MP3 · ENGLISH
Audiobook free with the e-book edition.
A public design-and-evidence framework prepared by XIXOIO LTD for its intended path towards the UK Digital Securities Sandbox. It shows how tokenisation rules can be translated into controlled operations — from Gate 1 preparation through Gate 2 testing and evidence to the conditions for operational release.
This publication is not legal advice, an offer, a DSS application or evidence of regulatory approval.
Tokenisation is not mainly about speed. It is about safely usable data, rights, rules and instructions.
£7
99 PAGES · PDF + EPUB + MP3 · ENGLISH
Audiobook free with the e-book edition.
A practical guide to digital business corridors, a company source of truth, tokenisation and AI agents under a clear mandate. Across 15 chapters, it takes owners and finance teams from one Track A/B corridor through five capabilities, four independent checks and a ninety-day pilot to a GO, REWORK or STOP decision.
This publication is educational and architectural material. It is not legal, tax, accounting or investment advice; it is not an offer of securities, stablecoins or financial services; and it does not evidence licensing, partnership, system admission, capital availability or regulatory approval of Genesis One OS, XIXOIO, wideweb3.com, the author or any other person. A specific implementation requires qualified advisers and decisions by the relevant licensed entities and authorities.
XIXOIO · BLOG
What has moved forward since summer. Seven stories about company preparation, digital identity, AI governance and the next steps for Genesis One OS.
· XIXOIO development
From the work on methodology in August to today's applications and test network: how company preparation, identity, governed AI, business records and holder communication fit together.
· AI in business
July's discussion of authority now has a practical continuation. The AI Mandát test pilot on Tokenizace.cz shows how an assignment, a proposal and an owner's decision can relate to an identifiable version of a document.
· Digital twin
A digital twin gives company information a place and context. How we connect space, identity and records, and what you can explore today.
XIXOIO · my.xixoio.com
my.xixoio.com is a shared sign-in environment. For each asset, the responsible legal entity and the relevant documentation are stated separately. The individual parts of the environment are in development and without public access.
The complete my.xixoio.com experience, including new portfolios and sections, is being made available gradually.
We respond in writing, in summary and with a date — including to difficult questions.
Email XIXOIO → info@xixoio.comThis is not a registration or an investment offer. We publish responses in summary, in writing and with a date.
Every response includes a source, a date and a responsible person.
