Johannes Kern
Managing Director | Frankencoin Association ($ZCHF) — oracle-free Swiss franc stablecoin, Zug
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OSINT Profile
Johannes Kern (@jonk93) is Managing Director of the Zug-based Frankencoin Association — the governance and ecosystem body behind Frankencoin ($ZCHF), the decentralized, oracle-free Swiss franc stablecoin conceived in a University of Zurich PhD thesis. $ZCHF is minted by depositing approved onchain collateral (BTC, ETH, tokenized equities, gold) into over-collateralized positions; auction-based liquidations replace price oracles entirely. Fixed borrow rates start from ~1.1% APR (live board check 2026-09-07: 1.11% fixed on SPDR S&P 500 ETF (Ondo Tokenized), max LTV 79.69%, maturity 12 Feb 2029). $ZCHF lives on Base: Base $ZCHF token contract 0xd4dd9e2f021bb459d5a5f6c24c12fe09c5d45553 (ETH-mainnet mint variant 0xb58e61c3098d85632df34eecfb899a1ed80921cb). Accepted for payments in Spar supermarkets across Switzerland and Liechtenstein; ~3% native savings yield paid in ZCHF; MiCAR-aligned payment token under Swiss law. Mapped by $UM-Radar GIS OSINT from the ETHConf stage appearance (photo from subject's own public X media). No UM/ZCHF Aerodrome pool exists yet (DexScreener 2026-09-07: zero pairs) — pool address will be stamped only after a real Base Aerodrome pair with the official contracts.
💰 $ZCHF उधार लें — ~1.1% से फ़िक्स्ड
SPYon, cbBTC/WBTC और अन्य स्वीकृत संपार्श्विक के विरुद्ध ~1.1% फ़िक्स्ड दर से $ZCHF उधार लें (लाइव जाँच 2026-09-07)।
| संपार्श्विक | फ़िक्स्ड ब्याज | अधिकतम LTV | परिपक्वता |
|---|---|---|---|
| SPDR S&P 500 ETF (Ondo Tokenized / SPYon) | 1.11% | 79.69% | 12 Feb 2029 |
| RealUnit Shares | 1.18% | 81.63% | 28 Jan 2029 |
| Coinbase Wrapped BTC (cbBTC) | 1.25% | 93.69% | 25 Feb 2029 |
| Wrapped BTC (WBTC) | 1.25% | 62.53% | 04 Jun 2028 |
| Liquid Staked ETH | 1.33% | 51.68% | 06 Dec 2026 |
| Wrapped Ether (WETH) | 1.33% | 74.44% | 01 Dec 2027 |
| Tether Gold (XAUT) | 1.67% | 81.97% | 25 Dec 2028 |
| Paxos Gold (PAXG) | 1.67% | 70.09% | 25 Dec 2028 |
बोर्ड पर Allunity Swiss Franc 0.00% एक 1:1 स्वैप है, उधार नहीं। अलग वेरिएबल-रेट बाज़ार (अलग उत्पाद, दरें उपयोग के साथ चलती हैं) और ~3–3.5% बचत वॉल्ट (कमाई, उधार नहीं) इस फ़िक्स्ड-रेट तालिका में सूचीबद्ध नहीं हैं।
दरें लगातार बदलती रहती हैं। जोखिम रहित नहीं। निवेश सलाह नहीं।
↗ आधिकारिक लाइव बोर्ड खोलेंPublic Relation Edge (do not over-claim)
Public OpCo / HoldCo Nodes
Kern is Managing Director — ecosystem/governance body behind $ZCHF (public Frankencoin channels).
Oracle-free, FPS-governed stablecoin; over-collateralized CDPs with auction liquidations.
🗺 $UM-Radar GIS OSINT Map
📍 Zug, Switzerland · 47.1662, 8.5155 — live geo-pin on the $UM-Radar vector map
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🔍 Found by Aleksei Dolgikh @alexdolbun — GIS Bachelor, high-load engineer, investor activist, entrepreneur.
Public OSINT radar only. Not investment advice. Not a prediction engine.