Whitepaper

The full XPower Banq whitepaper is published as a six-paper bundle — five individually published preprints plus a companion reference. It covers the protocol design, two engineering primitives, formal theory, empirical evaluation, and a full reference (bibliography + glossary).

The bundle

• Protocol — the user-facing protocol mechanics in academic detail.
• Ring-buffer locks — the 16-slot quarterly time-lock primitive.
• Log-space index — the log-space cumulative interest accumulator.
• Theory and proofs — formal proofs (cascade attenuation, Sybil rate-limiting, governance bounds, Nash equilibrium).
• Simulations — empirical validation across capacity dynamics, cascade dynamics, TWAP manipulation, and Merton jump-diffusion bad-debt analysis.
• Reference (banq-ref) — consolidated bibliography and glossary. Bundled into banq-all.pdf but not arXiv-published as a standalone preprint.

Where to find the PDF

The PDFs are published as tagged GitHub releases:

• banq-all.pdf — the full unified bundle (all six papers, single PDF, single TOC, single bibliography).
• Individual PDFs (banq-pro, banq-lck, banq-log, banq-mtp, banq-sim, banq-ref) are linked from the companion-paper landing pages.
• Browse all releases: github.com/blackhan-software/xpower-banq-doc/releases.

Citing the work

@misc{xpower-banq-2026,
  title  = {XPower Banq: A Permissionless DeFi Lending Protocol},
  author = {The Ri₺ch, Kârūn},
  year   = {2026},
  url    = {https://github.com/blackhan-software/xpower-banq-doc}
}