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Johannes Kern

Johannes Kern

@jonk93

Managing Director | Frankencoin Association ($ZCHF) — oracle-free Swiss franc stablecoin, Zug

📍 Zug, Switzerland
HIGH CONFIDENCEVERIFIED
Johannes Kern
Johannes Kern (@jonk93) on the ETHConf stage — UnicornsMap.com $UM-Radar + Frankencoin pitch behind him. Slide contacts: t.me/jonk93 · johannes@frankencoin.com · Zug, CH.

📷 Gallery

Johannes Kern on ETHConf stage — Frankencoin $ZCHF pitchJohannes Kern portrait crop — ETHConf stageJohannes Kern square crop — ETHConf stageJohannes Kern 1:1 hero crop — ETHConf stage
$UM · Base$—·MC$—Chart ↗Buy $UM ↗

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 빌리기 — 고정 금리 ~1.1%부터

SPYon, cbBTC/WBTC 및 기타 승인된 담보에 대해 고정 금리 ~1.1%부터 $ZCHF를 빌리세요(2026-09-07 실시간 확인).

담보고정 금리최대 LTV만기
SPDR S&P 500 ETF (Ondo Tokenized / SPYon)1.11%79.69%12 Feb 2029
RealUnit Shares1.18%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 ETH1.33%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

보드의 Allunity Swiss Franc 0.00%는 1:1 스왑이며 대출이 아닙니다. 별도의 변동금리 시장(다른 제품, 금리는 사용률에 따라 변동)과 약 3–3.5% 저축 볼트(수익이지 대출이 아님)는 이 고정금리 표에 포함되지 않습니다.

금리는 수시로 변동됩니다. 무위험 상품이 아닙니다. 투자 자문이 아닙니다.

↗ 공식 실시간 보드 열기
실시간 보드 확인: 2026-09-07T20:52Z · app.frankencoin.com

Public Relation Edge (do not over-claim)

Frankencoin ($ZCHF) — Managing Director, Frankencoin Association (leadership)UnicornsMap.com $UM-Radar — Mapped from ETHConf stage (UnicornsMap + Frankencoin pitch behind) (event)Base — $ZCHF Base contract 0xd4dd9e2f021bb459d5a5f6c24c12fe09c5d45553 (chain)

Public OpCo / HoldCo Nodes

Frankencoin Association(Association (Zug, CH))

Kern is Managing Director — ecosystem/governance body behind $ZCHF (public Frankencoin channels).

Frankencoin protocol ($ZCHF)(Decentralized protocol)

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

💰 USD EUR CHF ZCHF JPY JPYC AED CNY BTC USDC🌐 EN DE FR ES RU ZH JA AR KK IT NL PT KO HE HI TR PL VI TH ID SV DA

🔍 Found by Aleksei Dolgikh @alexdolbun — GIS Bachelor, high-load engineer, investor activist, entrepreneur.

FrankencoinBorrow $ZCHF — app.frankencoin.comX @jonk93X @frankencoinzchfTelegram t.me/jonk93johannes@frankencoin.comTrade on Bankr🔵 Bankr Terminal🔵 Bankr.bot
💳 Collect via x402 — $4.99 USD
Public sources:
✓ https://app.frankencoin.com
✓ https://frankencoin.com
✓ https://x.com/jonk93
✓ https://basescan.org/token/0xd4dd9e2f021bb459d5a5f6c24c12fe09c5d45553

Public OSINT radar only. Not investment advice. Not a prediction engine.