The VTBCommunity Foundation, through its project, allows the individual to be intentional about the financial system they wish to use instead of using the default. Price predictability, stable low fees, and simplified access to blockchain assets are salient benefits that set it apart. VTB is working with a profit-driven entity to drive the use of the asset, whose goal is to offer financial tools in a business ecosystem delivering unique features to the community. One of them is a crypto advance program, a merchant platform that includes a fee-less payment system, a reward program for the merchants, and many other incentives for the users. VTB is not only building the foundation for an ecosystem; it is also creating the associated network that follows. This is a complete project comprising an interactive movement between assets and users: assets need users, and users require these assets to work for them; it just makes sense. Coherent with the blockchain space of tomorrow, VTB is honing its efforts to drive solutions that result in a blockchain-based architecture that people can use in an easy, low-risk manner. Businesses can also remove some of their overhead costs in an equally low-risk environment. The ease of use allows adopters to utilize their smartphones to perform these VTB interactions. The VTB system is designed to be stable and secure by performing back-ups of the blockchain data on IPFS and using the Ethereum public chain to hold the IPFS address that all can publicly view at any time. This pattern consists of a layer-2, combined with a sidechain, for a quick and flexible performance while delivering transparency and stability. This combined methodology allows the system to maintain a very low and fixed operational cost and maintain its users’ private/public key pairs within their control.