ACCE Token Whitepaper

Version 1.1 – 8/8/25
Prepared by: ACCE Group (African Crypto Ex – Consultoria E Gestao, LDA)
Company Registration No.: 516904442
Registered Address: Rua Professor Valadares, No 13b, Lumiar, Lisbon, 1750-232, Portugal
Contact Email: [email protected]
Website: https://acc.exchange

1. Introduction

Across Africa, millions remain underserved by traditional banking systems. High remittance fees, lack of credit access, and fragmented payment networks create barriers for individuals and small businesses.

ACCE Token ($ACCE) is our answer — a fixed-supply, utility-driven digital asset built on the Cardano blockchain. It powers fast, low-cost transactions, rewards participation, and connects users to real-world financial tools.

Unlike speculative coins, ACCE is built for practical utility — with a strong focus on education, accessibility, and sustainable growth.

2. Token Overview

  • Name: ACCE Token

  • Symbol/Ticker: $ACCE

  • Type: Utility Token (non-security, non-asset-referenced, non-e-money)

  • Blockchain: Cardano (Native Asset)

  • Decimals: 6

  • Total Supply: 1,000,000,000 (fixed, no future minting)

  • Distribution Method: Airdrops, course completion rewards, staking incentives, and community programs. No direct sale at launch.

3. Purpose & Utility

ACCE exists to create real value and everyday usability in African markets and beyond.

3.1 ACCE Pay

A mobile payment solution with USSD and QR code support for instant peer-to-peer transfers and merchant payments — designed to integrate with popular African mobile money platforms.

3.2 ACCE Stake

A staking program that rewards holders who commit their tokens for fixed periods, drawing from a pre-minted reserve and platform revenues to ensure long-term sustainability.

3.3 ACCE Lend

A decentralised lending service where ACCE can be used as collateral for micro-loans in stablecoins — empowering entrepreneurs and small businesses.

3.4 Education Incentives

Through ACCE Academy, learners receive ACCE token rewards for completing free cryptocurrency courses, giving them their first digital asset without needing to buy it.

4. Token Allocation

Category

% Allocation

Tokens

Staking Rewards (5–10 years)

25%

250,000,000

Liquidity Pools (DEX + CEX)

22%

220,000,000

Community Incentives & Education

12%

120,000,000

Ecosystem Development

15%

150,000,000

Operational & Security Costs

12%

120,000,000

Team & Advisors (3–5 yr vesting)

7%

70,000,000

Reserve Fund

7%

70,000,000

Fixed Supply Commitment: The 1 billion ACCE cap is hard-coded in the blockchain’s minting policy and cannot be changed.

5. Roadmap

Phase 1 (0–6 Months)

  • Launch ACCE Academy with course reward system

  • Pre-registration airdrop campaign

  • First DEX listings (Minswap, SundaeSwap)

Phase 2 (6–12 Months)

  • Staking program

  • Mid-tier CEX listings

  • Grow education-based reward campaigns

Phase 3 (12+ Months)

  • ACCE Pay rollout

  • Expansion of ACCE Lend

  • Integration with major mobile money networks

6. Technology & Security

  • Blockchain: Cardano – low fees, high security, sustainable design

  • Smart Contracts: Plutus v2 for staking, lending, and payments

  • Scalability: Hydra Layer-2 technology to enable near-instant, low-cost transactions

  • Security Measures: Independent third-party audits, bug bounty program, multi-sig for custodial wallets

7. Compliance & Distribution

EU Compliance (Portugal) – This whitepaper is published in line with the Markets in Crypto-Assets Regulation (MiCA) and will be notified to the CMVM before public distribution.

Distribution Rules:

  • No tokens will be sold at launch — only given via rewards and airdrops.

  • Tokens will not be sent to sanctioned individuals or jurisdictions.

  • Custodial wallets will require basic KYC. Non-custodial airdrops will undergo compliance screening.

8. Risks & Disclaimers

  • Regulatory Risk – Laws in the EU or African markets may change, affecting distribution or use.

  • Technology Risk – Bugs, outages, or blockchain changes could disrupt services.

  • Market Risk – Token value may fluctuate significantly.

  • Operational Risk – Cybersecurity threats could impact custodial wallets.

Disclaimer: ACCE is a utility token, not an investment product. This document is for informational purposes only and does not constitute financial advice or a securities offering.

9. Contact & Support

For questions, complaints, or more information:
Email: [email protected]
Address: ACCE, Rua Professor Valadares, No 13b, Lumiar, Lisbon, 1750-232, Portugal
Website: https://acc.exchange