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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.

💰 Vay $ZCHF — cố định từ ~1,1%

Vay $ZCHF với lãi suất cố định từ ~1,1% (kiểm tra trực tiếp 2026-09-07) bằng tài sản đảm bảo SPYon, cbBTC/WBTC và các tài sản được phê duyệt khác.

Tài sản đảm bảoLãi cố địnhLTV tối đaĐáo hạn
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

Allunity Swiss Franc 0,00% trên bảng là hoán đổi 1:1, không phải vay. Thị trường lãi suất thả nổi riêng (sản phẩm khác, lãi thay đổi theo mức sử dụng) và kho tiết kiệm ~3–3,5% (kiếm lời, không phải vay) không được liệt kê trong bảng lãi cố định này.

Tỷ lệ thay đổi liên tục. Không phải không có rủi ro. Không phải lời khuyên đầu tư.

↗ Mở bảng chính thức trực tiếp
Kiểm tra bảng trực tiếp: 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.