Johannes Kern
Managing Director | Frankencoin Association ($ZCHF) — oracle-free Swiss franc stablecoin, Zug
📷 Gallery
OSINT Profile
Johannes Kern (@jonk93) is Managing Director of the Zug-based Frankencoin Association — the governance and ecosystem body behind Frankencoin ($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.
💰 Prendere a prestito $ZCHF — fisso dal ~1,1%
Prendi $ZCHF a tasso fisso dal ~1,1% (verifica in tempo reale 2026-09-07) contro SPYon, cbBTC/WBTC e altri collaterali approvati.
| Collaterale | Interesse fisso | LTV max | Scadenza |
|---|---|---|---|
| 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 |
Allunity Swiss Franc 0,00% nella tabella è uno scambio 1:1, non un prestito. Il mercato a tasso variabile separato (prodotto diverso, tassi legati all'utilizzo) e la cassaforte di risparmio ~3–3,5% (rendita, non prestito) non sono inclusi in questa tabella a tasso fisso.
I tassi cambiano costantemente. Non è privo di rischi. Non è consulenza finanziaria.
↗ Apri la tabella ufficiale in tempo realePublic 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
Currencies & Languages
🔍 Found by Aleksei Dolgikh @alexdolbun — GIS Bachelor, high-load engineer, investor activist, entrepreneur.
Public OSINT radar only. Not investment advice. Not a prediction engine.