The terms this site uses, in the sense the site gives them; where a term is a mark, the mark is stated.
Alkaimi™
The name on the 100% Whole Reserve™ model, on the mark a member financial institution displays, and on the operating license; a mark of Pegisai Global Holdings, Inc.
The Alkaimi Ecosystem™
The collaborative network of regionally chartered financial institutions operating the 100% Whole Reserve model, together with the administrative services contracted from Pegisai Global Holdings, Inc. and its subsidiaries.
Alkaimi Ecosystem member financial institution
A financial institution chartered, licensed and supervised under its own regulator in its own jurisdiction that has licensed the 100% Whole Reserve model and operates on the Alkaimi Ecosystem's ledger.
The Alkaimi Ecosystem's ledger
The one custodial ledger, held and administered under bank supervision, on which recognized value is held and settled between member financial institutions; no currency passes onto it.
Alkaimi's value recognition method
The method by which the value of an identified physical asset is recognized once onto the Alkaimi Ecosystem's ledger; licensed technology of Pegisai Global Holdings, Inc.
A central bank advance
Currency lent by a central bank to a financial institution against collateral under that central bank's own rules; on this site, discretionary to each member financial institution and to its central bank.
A claim
What a deposit is: a promise by a financial institution to pay currency on demand; the currency is itself a claim on the nation that issues it.
Custody
The holding of a client's value on the Alkaimi Ecosystem's ledger under the client's own title, with no lien, pledge or claim created against it by the member financial institution.
The desk
The place at a member financial institution where currency meets value: where a client instructs an exchange of settled value for currency, and the only place currency and value meet.
The Digitized Tangible Asset™ (DTA™)
The settlement instrument of the Alkaimi Ecosystem, holding the whole recognized value of an identified physical asset, held in custody at a member financial institution on the ecosystem's ledger under its owner's title, and underwritten at issuance; a mark of Pegisai Global Holdings, Inc.
The 100% Whole Reserve model
The operating model under which a member financial institution holds a client's value in custody, whole, under the client's title, and lends without creating a deposit against the loan; a mark of Pegisai Global Holdings, Inc.
Pegisai Global Holdings, Inc.
The developer and licensor of the 100% Whole Reserve model and its technologies, and the administrator contracted by the member financial institutions for the services stated on the About page; it holds no client value and conducts no banking.
Pre-qualification
The screening on this site by which a principal may be introduced to one member financial institution; not an application, and creating no account, contract or entitlement.
The rent agreement
The agreement under which the owner of Digitized Tangible Assets rents them to a member financial institution for a term, so that the member may pledge them to its own central bank as collateral for an advance; described on this site from the member's side only.
The Universal Value Unit™ (UVU™)
The unit in which recognized value is expressed on the Alkaimi Ecosystem's ledger; a mark of Pegisai Global Holdings, Inc.
Whole settlement
A settlement between two member financial institutions recorded as a ledger entry, final when the value moves, with no correspondent between them and no interval in which one holds the other's promise.
Wholesale settlement
The six operations member financial institutions conduct at this stage, stated at Current Operations; the ecosystem holds a self-imposed embargo on all other operations.
Last updated 24 September 2026.