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The digital age demands open, decentralized, interoperable money technology. M^0 powers the first open federation of cryptodollar issuers, built on a decentralized architecture and best-in-class collateral design. The core M^0 protocol is a coordination layer for permissioned institutional actors to generate $M. $M is a fungible token that can be generated by locking Eligible Collateral in a secure off-chain facility. The protocol enforces a common set of rules and safety procedures for the management of $M.