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.
💰 Tomar $ZCHF emprestado — fixo a partir de ~1,1%
Tome $ZCHF emprestado a taxa fixa a partir de ~1,1% (verificação ao vivo 2026-09-07) contra SPYon, cbBTC/WBTC e outros colaterais aprovados.
| Colateral | Juro fixo | LTV máx. | Vencimento |
|---|---|---|---|
| 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% no quadro é uma troca 1:1, não um empréstimo. O mercado separado de taxa variável (produto diferente, taxas conforme a utilização) e o cofre de poupança de ~3–3,5% (rendimento, não empréstimo) não constam desta tabela de taxa fixa.
As taxas mudam constantemente. Não é isento de risco. Não é aconselhamento de investimento.
↗ Abrir o quadro oficial ao vivoPublic 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.