Whitepaper · $ACCU
Automated alerts and tax basis for self-custodied tokenized stocks.
People can now buy tokenized US stocks on Robinhood Chain and hold them in their own wallet. That works until tax time, when it turns out nobody is keeping the record — and one part of it cannot be reconstructed once it is gone.
The problem
Three things go wrong
- 01
No statement
The moment the token leaves the Robinhood app — you swap it on Uniswap, use it as loan collateral, move it to a Ledger — nobody sends you a record anymore. You are on your own.
- 02
Dividends are invisible
When the real stock pays a dividend, your token balance does not change. Instead a hidden number called the multiplier ticks up, meaning each token is now worth slightly more shares. You earned income, but no transaction in your wallet shows it, so every existing crypto tax tool sees nothing. In many countries you now owe tax on money you did not know you received.
- 03
Wrong currency
These tokens are priced in USD. Your tax office wants the number in your local currency, using the exchange rate on the exact day of each trade. Nobody does this automatically.
What Accuren does
It keeps the record nobody else keeps
- Records the hidden multiplier every time it changes, so we always know what your tokens were worth in real shares on any past date
- Rebuilds your cost basis across every swap, loan, and transfer
- Converts everything to your local currency using the correct historical rate
- Sends alerts when something needs your attention
- Warns you before a weekend liquidation, not after — tokens trade 24/7 but the stock market closes, so price data goes stale while you can still get liquidated
- Uses AI for the messy parts: labeling unknown transactions, reading the issuer's legal filings, and filtering alerts down to what matters
Where the real money is
Most of the list is table stakes. Four things have no competitor.
Multiplier historyperishable
This is the core asset, and you cannot go back and collect it later. Start recording early or lose it forever.
Historical exchange rates
Every non-US holder needs it, nobody does it.
Labeling unknown transactions
The only place AI is the product, not decoration.
Reading issuer filings
Pure AI, nobody is watching this.
Do not sell this as an AI company. Sell the data. AI is why it feels good to use.
Full utility list
Everything it is built to do
Tracking your money
- 01Records the hidden multiplier every block, so past values are never lost
- 02Rebuilds cost basis across swaps, loans, and liquidity pools
- 03Detects dividend income that has no visible transaction
- 04Applies the correct exchange rate on the day of every event
- 05Knows that moving your own tokens is not a sale
- 06Knows that posting collateral is not a sale
- 07Knows that bridging is not a sale
- 08Splits your basis correctly when tokens go into a liquidity pool
- 09Treats these as debt securities, which most countries tax differently from crypto
- 10Handles the big one-time tax event when you finally cash out
- 11Uses your country's rules for matching buys to sells
- 12AI figures out transactions no tool can label
- 13Explains every event in normal language
Warning you about risk
- 14Alerts when your loan is unsafe while the stock market is closed
- 15Alerts when price data goes stale
- 16Warns before liquidation, not after
- 17Tells you if the token is trading below what it is actually worth
- 18Warns if there is not enough liquidity to sell your position
- 19AI reads the issuer's legal filings and flags what affects you
- 20AI filters alerts so you only get the important ones
- 21Shows how far the weekend price drifted from the last real close
Helping you plan
- 22Calendar of upcoming dividends and splits for what you hold
- 23Compares the same stock across different issuers to find the cheapest
- 24Ask questions in plain language: "how much untaxed income do I have?"
- 25Runs "sell now vs sell in January" tax comparisons
How people use it
Surfaces
- Telegram botfree
- Paid APIpaid
- Tool that other AI agents can plug intopaid
- Export file that works with Koinlypaid
- Multi-client view for accountantspaid
About $ACCU
The honest version
Honest version: there is no real benefit to holding it, and that is a structural problem, not a design problem you can solve with a better whitepaper.
circular
Hold $ACCU, get cheaper API calls.
You only come out ahead if the price goes up, so the actual reason to hold is speculation dressed as utility.
illegal
Revenue sharing, staking yield, buybacks funded by profit.
These genuinely reward holders, which is exactly why regulators call them securities.
fake
Governance rights.
Voting on a product with 200 users.
If your answer to "why hold this" sounds exciting, you have built a security. If it sounds boring, you did not need a token.
- Credits are meant to be spent. Holding credits is just paying early.
- If the goal is raising money, use a SAFE or normal equity. It does exactly what you want $ACCU to do, legally.
- If you launch anyway, the only safe design is prepaid credits that get burned when used. Nothing that looks like yield.
Regulatory reality
- A token that pays holders is a security in the US, the EU, the UK, Singapore, and most other major markets. The specific rule differs; the outcome does not.
- Your users are in 120+ countries, so you are exposed to all of their regulators, not just your own.
- Selling a token to fund a product that touches tax reporting for securities holders invites scrutiny of both the token and the product.
- Get a securities lawyer before the token, not after. Check the rules where you are incorporated and where your buyers are.