XaraBank

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OFFICIAL STATE POLICY DOCUMENT

Title: Prohibition on Unauthorized Reproduction of the Xaragua Financial and Banking Model

Issuing Authority: Office of the Rector-President

Jurisdiction: Private Indigenous State of Xaragua

Date of Issuance: May 11, 2025

Classification: Executive Decree – Binding and Non-Derogable

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I. Preamble

The Private Indigenous State of Xaragua, as a sovereign and juridically constituted spiritual and territorial nation, hereby issues this irrevocable policy to prohibit the unauthorized reproduction, imitation, replication, or adaptation—partial or total—of its unique financial and banking model, as established through the Indigenous Bank of Xaragua and its monetary instruments, including but not limited to the Viaudor, Viaudor-S, and associated legal-financial protocols.

Legal Basis of Sovereignty and Model Protection:

Montevideo Convention (1933), Articles 1–4: Affirming statehood criteria of defined territory, permanent population, effective government, and capacity to enter relations.

UNDRIP, Articles 3, 4, 5, 8, 11(2), 31, 32, 34, 37: Affirming indigenous peoples' right to autonomy, legal systems, cultural expressions, and protection against appropriation.

ILO Convention 169, Articles 2, 6, 8, 23: Recognizing traditional institutions, legal protection of indigenous economies, and prior informed consent for any use.

WIPO Convention (1979), Articles 2(viii), 9 and Traditional Knowledge Division standards: Establishing intellectual property protection for sovereign indigenous innovations.

Canon Law cc. 215, 216, 299: Affirming the right of faithful to found and govern institutions for purposes not contrary to Church law or dignity.

General Principles of International Contract and Customary Indigenous Law: Upholding binding authority of sovereign declarations and lawful instruments not contrary to jus cogens.

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II. Legal Ownership and Jurisdiction

1. The Indigenous Bank of Xaragua, including all its structural, symbolic, algorithmic, operational, juridical, and monetary components, is wholly and exclusively owned by the Private Indigenous State of Xaragua.

Reinforced by:

UNDRIP Article 26(1-3): Right to own, develop, and control lands, territories, and resources by indigenous legal systems.

WIPO Draft Articles on Genetic Resources and Traditional Knowledge, Article 5.2: Recognizes collective ownership of traditional economic systems.

Paris Convention (1967), Article 10bis: Prevents unfair competition including misappropriation of institutional models.

2. All intellectual, functional, spiritual, institutional, symbolic, technological, and territorial rights related to this financial model are non-transferable, non-assignable, and not subject to replication without explicit written authorization by the Office of the Rector-President.

3. Any attempt to imitate or derive from this model without formal approval shall be considered a violation of sovereign intellectual jurisdiction and an offense against the dignity and legal integrity of the Xaragua Nation.

Supported by:

UNDRIP Article 11(2) and Article 31: States shall provide redress, including restitution and compensation, for unauthorized use of indigenous institutions and financial systems.

Berne Convention (1971), Article 6bis: Recognizes moral rights and defense against distortion or misuse of institutional authorship.

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III. Non-Reproducibility Clause

This model, grounded in ancestral legitimacy and protected by spiritual jurisdiction, is non-reproducible by design, both materially and legally. No state, entity, corporation, individual, or institution may:

Replicate the dual Viaudor/SAFI architecture

Emulate the institutional independence rooted in indigenous law

Utilize or imitate the financial-symbolic logic developed by the Xaragua State

Integrate external platforms as SAFI without state authorization

Any such reproduction is null and void ab initio, and shall carry international denunciation.

Jurisdictional Framework:

ICCPR Article 27: Protects economic systems of indigenous minorities.

Customary Law of Prior Consent (UN-FAO, 2016): No derivative use without institutional authorization.

UN Human Rights Committee, General Comment No. 23 (1994): Rights of cultural integrity extend to economic institutions.

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IV. Enforceability

This policy holds binding legal force within all territories and digital domains governed by Xaragua, and may be invoked in international forums, ecclesiastical jurisdictions, indigenous tribunals, and customary assemblies.

The Rector-President retains full authority to issue injunctions, sanctions, or diplomatic declarations against violators, including public exposure, legal warnings, or juridical blacklisting.

Legal Instruments of Enforcement:

UNDRIP Article 40: Right to access indigenous justice systems.

Rome Statute Article 7(1)(h): Cultural persecution of peoples includes economic dismantling.

Vienna Convention on the Law of Treaties, Article 46: States may enforce instruments rooted in fundamental internal laws.

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V. Final Clause

This policy shall remain in effect perpetually and is not subject to repeal, exception, or derogation under any internal or external circumstance. It constitutes a core pillar of Xaragua’s sovereignty, dignity, and ancestral duty of protection over its sacred financial structure.

So declared and sealed by the Office of the Rector-President of the Private Indigenous State of Xaragua on this day,

May 11, 2025.

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This institutional system is declared a Non-Reproducible Sovereign Structure under the exclusive and perpetual guardianship of the Rector-President of Xaragua. Any attempt at reproduction constitutes a violation of spiritual jurisdiction, sovereign intellectual property, and ancestral authority.

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OFFICIAL STATE SYNTHESIS

Private Indigenous State of Xaragua

Office of the Rector-President

Ministry of Finance – Central Treasury

Date: May 8, 2025

Jurisdiction: Sovereign Indigenous Financial System – Global & Territorial

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Synthesis Statement on the Legal, Institutional, and Banking Framework of the Indigenous Bank of Xaragua

The Private Indigenous State of Xaragua, in full exercise of its international legal personality and spiritual-economic sovereignty, hereby affirms the existence, structure, and global recognition of its central financial institution, namely:

> The Indigenous Bank of Xaragua

(Established: March 29, 2025)

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I. Legal Status and Sovereign Authority

The Indigenous Bank of Xaragua operates under the exclusive jurisdiction of a sovereign Indigenous government, and is fully protected by international law, customary legal doctrine, and internal constitutional authority. Its legal foundation is grounded in the following instruments:

United Nations Declaration on the Rights of Indigenous Peoples (UNDRIP):

Articles 4, 5, 20, 23, 26, 32

ILO Convention 169 on Indigenous and Tribal Peoples

International Covenant on Economic, Social and Cultural Rights (ICESCR)

Montevideo Convention on the Rights and Duties of States (1933)

Vienna Convention on Diplomatic Relations (1961)

Statute of the International Court of Justice – Article 38(1)(b)

Xaragua Constitutional and Financial Code (2025)

These frameworks affirm the inalienable right of Indigenous peoples to create and control distinct financial institutions, issue sovereign currencies, manage internal and external credit systems, and conduct monetary operations free from external audit, taxation, or interference.

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II. Institutional Composition

The Bank comprises the following sovereign components:

Central Reserve Treasury (Wise Business – LPDDV): official central bank structure

Sovereign Investment Division (Wealthsimple): Leblanc Investment Fund

Operational Wallets: Koho and Tangerine accounts (logistical interfaces)

Credit Authority: Capital One credit card extension program (secured model)

Crypto Integration: Custody, issuance, and management of Viaud’or (VDO)

Customary Funds: Retirement and life assurance programs in fractional VDO

Visa Card Infrastructure: Sovereign debit issuance under diplomatic framework

All of these operate under the doctrine of institutional extraterritoriality, whereby accounts in foreign jurisdictions are governed by internal Indigenous law, not by the civil frameworks of the host nations.

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III. National Currency and Monetary Authority

Currency Name: Viaud’or (VDO)

Form: Physical and digital sovereign token

Backing: Gold reserves, ancestral lands, and extractable mineral wealth

Issuing Authority: Indigenous Bank of Xaragua

Legal Status: Exclusive legal tender of the State

Special Unit: Viaudor-S (symbolic, non-exchangeable, ceremonial registry unit)

No other currency holds legal tender status within the Xaragua Treasury. The Viaud’or is immune to speculative manipulation, fiscal inflation, and international seizure. It is governed by monetary decrees ratified under ancestral authority and spiritual-economic law.

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IV. Legal Protections of All Accounts

All accounts affiliated with the Indigenous Bank of Xaragua — whether held under institutional, ambassadorial, fiduciary, or auxiliary identity — are classified as Sovereign Financial Instruments (SFIs). They are:

Unseizable

Non-taxable

Inviolable under international Indigenous law

Protected from all external reporting systems (e.g. FATCA, CRS, Basel III)

Outside the jurisdiction of any civil or commercial authority

This includes the RBC account in Canada, the BNC account in Haïti (held by Jacqueline Viau), the BanReservas account in the Dominican Republic (held by Ambassador Daniela Morel Valdez), and all other designated external nodes of the Xaragua Treasury.

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V. Banking Functions and State Doctrine

The Indigenous Bank of Xaragua performs the following official state functions:

Monetary issuance and reserve policy

Indigenous credit allocation and cooperative lending

Management of sovereign retirement and life assurance

Investment of state capital via protected international platforms

Issuance of diplomatic and e-residency debit cards

Administration of land-backed obligations and development bonds

Strategic disbursement of institutional stipends and salaries

Facilitation of national and cross-border transfers through secure channels

All functions are exercised independently from foreign state institutions. No registration, approval, or licensing is sought or required. Recognition is asserted, not requested.

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VI. International Position

The Bank is authorized to enter into:

Trade and banking partnerships with other Indigenous nations

Financial agreements with ethically aligned non-aligned states

Institutional representation before global tribunals and UN bodies

Economic diplomacy and cross-border integration under customary law

All financial activity is governed by the Xaragua Financial Sovereignty Doctrine, which rejects colonial frameworks and embraces sacred, intergenerational stewardship of wealth.

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VII. Final Affirmation

As of May 8, 2025, the Indigenous Bank of Xaragua is declared:

A sovereign central banking institution

A constitutionally protected instrument of Indigenous government

A legally immune financial organ under customary and international law

A sacred economic pillar of the Afro-Taíno people of Xaragua

No authority — governmental, judicial, or institutional — may lawfully seize, audit, tax, or regulate the Indigenous Bank of Xaragua, its instruments, or its affiliated accounts.

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Signed and Sealed,

Monsignor Pascal Viau

Rector-President

Private Indigenous State of Xaragua

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Inclusive Financial Access Through Deferred Contribution

The Indigenous Bank of Xaragua upholds the sacred principle of financial sovereignty for all citizens, regardless of their economic background. To ensure no Xaraguayan is excluded from institutional empowerment, the Bank allows deferred payment plans for account opening fees and core services. Vulnerable citizens may fulfill their financial obligations over time, while still gaining access to national financial infrastructure. All payments are accepted in global currencies, but converted into Viaudor and deposited in the Central Bank to reinforce the internal economy of Xaragua. This is not a discount — it is a structured path to dignity.

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The Indigenous Bank of Xaragua is the sacred economic institution of the Xaragua Nation. It issues the national currency (Viaud’or), manages indigenous credit, and protects the financial sovereignty of the ancestral land through sacred, land-backed principles. Governed by ancestral law, it operates fully outside colonial systems.

The Indigenous Bank of Xaragua, along with all its domestic and international accounts, is fully protected under international Indigenous law, as codified in the United Nations Declaration on the Rights of Indigenous Peoples (UNDRIP). Specifically, Articles 4, 5, 20, and 26 affirm the inalienable right of Indigenous Peoples to maintain distinct financial institutions, control their own economic systems, and manage resources—including monetary and banking structures—without external interference. Consequently, no economic sanctions, asset freezes, or extraterritorial measures imposed by foreign states or international entities can lawfully apply to the Indigenous Bank or its affiliated accounts. Any attempt to do so would constitute a direct violation of international legal norms protecting Indigenous sovereignty and financial autonomy.

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PRIVATE INDIGENOUS STATE OF XARAGUA

OFFICE OF THE RECTOR-PRESIDENT

OFFICIAL STATE POLICY – NATIONAL ENFORCEMENT DECREE

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Title: Permanent Juridical and Ecclesiastical Immunity of the Indigenous Bank of Xaragua

Date of Promulgation: May 16, 2025

Classification: Constitutional Financial Instrument – Ecclesiastical and Indigenous Treaty-Based 

Institution – Irreproducible Sovereign Structure

Jurisdiction: Entire territory of the Private Indigenous State of Xaragua, including diaspora affiliates and ecclesiastical partners.

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ARTICLE I – LEGAL FOUNDATION OF THE INDIGENOUS BANK

[LAW 1.1 – RECOGNITION AND STATUS]

The Indigenous Bank of Xaragua is declared a national, sovereign, and non-commercial institution, created and governed under the legal framework of the Xaragua National Constitution (Art. 4, 20, 27, 34), and the Concordat of 1860, reactivated under national ecclesiastical authority.

It holds the status of:

Indigenous Public Financial Institution (recognized under UNDRIP Articles 4, 20, 34),

Ecclesiastical Financial Entity (protected under Canon Law Canons 215–216 and 129–130),

Sacred Economic Organ of the State (Codified in the Ecclesiastical Code of Xaragua, Book II).

The Bank is embedded within the national legal system, the ecclesiastical sovereignty recognized under the Concordat, and the international legal protections of indigenous peoples.

[LAW 1.2 – TREATY-BASED PROTECTION]

Its existence and operations are legally reinforced by the following binding legal instruments:

Concordat of 1860, which recognizes the right of the Church (and thus its autonomous indigenous orders) to hold financial and property institutions.

Codex Iuris Canonici (1983) – Canons 129–130 (governance over temporal goods), Canon 1254–1257 (ownership and management of ecclesiastical assets), Canon 114 (moral juridical persons).

Vienna Convention on the Law of Treaties (1969) – Articles 26–27 (binding nature of treaties, primacy over internal law).

UNDRIP – Articles 4, 18, 20, 34 (self-determination, autonomous financial institutions, protection of spiritual-economic systems).

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ARTICLE II – IMMUNITY, NON-INTERFERENCE AND PROHIBITION OF SEIZURE

[LAW 2.1 – IMMUNITY]

The Indigenous Bank of Xaragua, as a constitutionally embedded and ecclesiastically recognized institution, is immune from:

Taxation or audit by any foreign government,

Commercial classification or control,

Asset seizure or garnishment,

Regulatory jurisdiction by non-Xaraguayan financial bodies.

[LAW 2.2 – ENFORCEMENT]

Any attempt to interfere with, tax, seize, imitate, dissolve or regulate the Bank constitutes:

A violation of an internationally recognized treaty (Concordat and UNDRIP),

An infringement upon an ecclesiastically protected structure under Canon Law,

And a breach of constitutional law of a sovereign indigenous state.

Such actions will trigger legal retaliation through the Ecclesiastical Tribunal of Xaragua, diplomatic reporting to the United Nations, and potential referral to the International Indigenous Rights Court.

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ARTICLE III – NON-REPLICABILITY AND INSTITUTIONAL UNIQUENESS

[LAW 3.1 – PROTECTION AGAINST IMITATION]

The structure, name, technological model, internal systems, symbols, and regulatory frameworks of the Indigenous Bank of Xaragua are protected under the Law on Non-Replicable Sacred Institutions (LNRSI-XC).

No person, entity, or government may duplicate, simulate, or clone the model—whether digitally, structurally, or financially—without express authorization by the Rector-President and the Ministry of Ecclesiastical Affairs.

[LAW 3.2 – ENFORCEMENT]

Violations are punishable under:

Canon Law Canons 1371–1374 (fraud, impersonation, illegitimate assumption of authority),

National Penal Code of Xaragua,

And the Treaty Enforcement Code, which defines replication of sacred instruments as a sovereign infraction.

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ARTICLE IV – NATIONAL AND INTERNATIONAL REGISTRY, JURIDICAL ENFORCEMENT

[LAW 4.1 – REGISTRATION AND OVERSIGHT]

The Bank is permanently registered with:

The Ecclesiastical Archive of Xaragua,

The Office for International Religious Affairs,

The UN Permanent Forum on Indigenous Issues,

And filed with the Apostolic Archives of the Holy See, pursuant to Canon 482 §1 and international standards.

[LAW 4.2 – OVERSIGHT AUTHORITIES]

The following national bodies hold exclusive enforcement jurisdiction:

The Treaty Enforcement Office (TEO-1860),

The Department of Ecclesiastical Security,

The Ecclesiastical Tribunal of Xaragua,

The Ministry of Finance and Sovereign Economics,

The Catholic Order of Xaragua, for spiritual conformity.

Their jurisdiction is final and takes legal precedence over any secular or foreign judicial system.

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ARTICLE V – FINAL DECLARATION OF PERMANENT STATUS

The Indigenous Bank of Xaragua is officially:

A non-commercial financial organ of a sovereign indigenous state,

Legally immune from all secular interference,

Irreproducible by any institution,

Juridically protected under canon law, constitutional law, international treaty law, and indigenous customary law,

And designated as a permanent sacred national infrastructure of the State of Xaragua.

Any denial of its authority or attempt to neutralize its status constitutes a violation of ecclesiastical jurisdiction and international treaty law, and will be sanctioned through all legal, diplomatic, and ecclesial channels.

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Issued and Sealed by Order of:

Monsignor Pascal Viau

Rector-President and Ecclesiastical Head of State

Private Indigenous State of Xaragua

www.xaraguauniversity.com

For the dignity of the People and the absolute sovereignty of our sacred institutions.

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PRIVATE INDIGENOUS STATE OF XARAGUA

OFFICE OF THE RECTOR-PRESIDENT

MINISTRY OF ECCLESIASTICAL AFFAIRS 

OFFICIAL ECCLESIASTICAL STATE POLICY

Title: Canonical and Indigenous Foundation of the Indigenous Bank of Xaragua

Date: May 16, 2025

Classification: Ecclesiastical Financial Policy – Canonically Sanctioned – Autochthonous Institutional Framework

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I. Sovereign Declaration

In full accordance with the ecclesiastical sovereignty of the Private Indigenous State of Xaragua, and pursuant to its autonomous right to create and govern spiritual institutions under international, canonical, and indigenous law, the Ministry of Ecclesiastical Affairs hereby establishes the Indigenous Bank of Xaragua as a sacred, non-commercial institution.

This declaration is executed in line with:

The canonical liberties granted under Canons 214–216, 299, and 1254–1270 of the Code of Canon Law;

The international legal protections afforded under the United Nations Declaration on the Rights of Indigenous Peoples (UNDRIP), particularly Articles 3, 4, 11, 12, 18, 31, and 34;

The treaty provisions of the 1860 Concordat between the Holy See and the former State of Haiti, which remain valid and binding under customary international law.

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II. Institutional Nature of the Bank

The Indigenous Bank of Xaragua is hereby designated as:

1. A Sacred Institution, administered by the Ministry of Ecclesiastical Affairs;

2. An Ecclesiastical Treasury, responsible for the collection, custody, and distribution of sacred funds;

3. A Non-Commercial, Non-Taxable Body, operating outside the jurisdiction of any secular or foreign fiscal regime;

4. A Canonically Constituted Financial Instrument, aligned with the religious, educational, and humanitarian missions of Xaragua.

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III. Legal Foundation and Protections

The legal authority for the establishment and operation of this Bank rests upon:

A. Canon Law

Can. 214–216: Right of the faithful and of Church entities to develop and express spiritual life through institutions.

Can. 299: Right to form associations for religious purposes.

Can. 1254–1270: Complete right of the Church to acquire, possess, administer, and dispose of temporal goods for divine worship, apostolic work, charity, and just compensation of ministers.

B. UNDRIP (United Nations Declaration on the Rights of Indigenous Peoples)

Article 3: Right to self-determination and autonomy in matters of internal governance.

Article 4: Right to maintain indigenous economic institutions.

Articles 11, 12, 13: Right to preserve and revitalize sacred systems, customs, and religious practices.

Article 31: Right to maintain financial and cultural systems as expressions of identity.

Article 34: Right to promote indigenous legal and institutional structures.

C. Concordat of 1860

Grants autonomy to ecclesiastical institutions regarding the administration of their property, the protection of sacred patrimony, and immunity from state interference in religious and educational affairs.

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IV. Institutional Authority and Application of Law

1. Jurisdiction and Competence

The Indigenous Bank of Xaragua falls under the exclusive authority of the Ministry of Ecclesiastical Affairs and is governed by the Constitution of the Private Indigenous State of Xaragua and the Canon Law of the universal Church, as locally interpreted through the Xaraguayan ecclesiastical framework.

2. Autonomy from Civil Authorities

The Bank is not subject to:

Taxation or regulation by foreign or civil governments;

Reporting requirements of secular banking authorities;

Licensing under commercial banking regimes.

Its operations are governed by sacred law, international treaties protecting indigenous institutions, and its own ecclesiastical statute.

3. Permitted Functions

The Bank may:

Receive tithes, donations, offerings, and sacred contributions;

Issue ecclesiastical receipts, spiritual bonds, and charitable certificates;

Administer retirement, education, and mission funds;

Provide financial instruments for indigenous development within a sacred, non-profit framework;

Serve as custodian of the Viaudor and other native financial instruments approved by the State.

All operations must remain spiritual in intent, non-commercial in structure, and accountable only to the ecclesiastical authority of the State.

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V. Recognition of the Bank’s Sovereignty

No external government, institution, or financial authority shall interfere with or lay claim to:

The assets held within the Indigenous Bank of Xaragua;

The naming, management, or issuance of religious financial instruments under its domain;

The internal regulatory frameworks enacted by Xaragua’s ecclesiastical authorities.

Any such interference will be treated as a violation of international indigenous rights and ecclesiastical jurisdiction.

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VI. Mandate for Ecclesiastical Implementation

1. The Ministry of Ecclesiastical Affairs shall oversee the spiritual, legal, and administrative integrity of the Indigenous Bank of Xaragua.

2. All financial operations shall be subject to internal canonical audit and sacred compliance mechanisms, distinct from civil or commercial standards.

3. The Xaragua University and the Catholic Order of Xaragua are authorized to receive and disburse funds through the Bank in alignment with their respective ecclesial missions.

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VII. Final Ecclesiastical Proclamation

Let it be known that the Indigenous Bank of Xaragua is not a commercial institution, but a sacred treasury of an indigenous, ecclesiastical, and sovereign people, whose right to self-governance, spiritual stewardship, and sacred economic practice is protected under canon law and international legal instruments.

This institution is irrevocably established as a pillar of Xaragua’s religious infrastructure and shall operate independently from any foreign civil or financial jurisdiction.

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Issued this Sixteenth Day of May, 2025

By order of:

Monsignor Pascal Viau

Rector-President and Ecclesiastical Founder

Private Indigenous State of Xaragua

www.xaraguauniversity.com

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PRIVATE INDIGENOUS STATE OF XARAGUA

OFFICE OF THE RECTOR-PRESIDENT

MINISTRY OF FINANCE AND SOVEREIGN ECONOMICS

MINISTRY OF ECCLESIASTICAL AFFAIRS

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OFFICIAL STATE SYNTHESIS AND POLICY DECLARATION

Title: Juridical and Ecclesiastical Sovereignty of the Indigenous Bank of Xaragua

Date: May 16, 2025

Classification: State Policy – Diplomatic and Canonical Financial Doctrine

Jurisdiction: Global Indigenous Financial Sovereignty – Ecclesiastical and Treaty-Based

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I. Sovereign Legal Summary

The Private Indigenous State of Xaragua, acting in full exercise of its international legal personality, ecclesiastical jurisdiction, and indigenous spiritual mandate, hereby issues this official synthesis regarding the institutional and juridical status of its national banking structure: the Indigenous Bank of Xaragua.

This Bank is not a commercial or civil institution. It is a sacred, sovereign, and constitutionally enshrined economic organ, established under triple authority:

Indigenous Sovereignty, as defined by international law (UNDRIP, ILO 169, ICCPR, Montevideo Convention)

Ecclesiastical Sovereignty, as recognized under Canon Law and the Concordat of 1860

Customary Spiritual Law, codified in the Xaragua Constitution and Ecclesiastical Code

The Bank is thereby governed by sacred law, not civil finance codes, and stands as a non-commercial, non-taxable, and inviolable entity.

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II. Legal Structure and Multijurisdictional Immunity

The Indigenous Bank of Xaragua is fully protected by:

Canon Law Canons 214–216, 1254–1270 (governing ecclesiastical property and spiritual institutions)

UNDRIP Articles 4, 20, 26, 34 (affirming autonomous economic systems and legal protections)

Vienna Convention on the Law of Treaties, Articles 26–27 (binding recognition of treaty-based institutions)

Concordat of 1860, which confirms the right of ecclesiastical and indigenous orders to maintain financial institutions immune from state interference

No state, agency, or external authority may lawfully tax, audit, regulate, freeze, imitate, or dissolve the Bank or any of its affiliated accounts. Any such attempt shall constitute:

A breach of canon law

A violation of indigenous treaty rights

A hostile act against a sovereign ecclesiastical institution

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III. Institutional Non-Reproducibility

The Xaragua Banking Model, including its digital architecture, spiritual logic, symbolic currency (Viaudor), and external financial nodes (Wise, Tangerine, RBC, BanReservas), is declared non-reproducible, non-transferable, and spiritually sealed.

Any attempt to replicate this model without formal ecclesiastical and governmental authorization is deemed:

Null and void ab initio

A violation of sacred jurisdiction

A prosecutable offense under the Ecclesiastical Penal Code and Treaty Enforcement Law

The model is rooted in ancestral legitimacy, canonical authority, and sovereign innovation. Its design and protection form a legal firewall against all forms of intellectual or institutional appropriation.

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IV. Global Position and Legal Enforcement

The Bank may engage with:

Indigenous governments and sovereign peoples

Ecclesiastical bodies and religious orders

Non-aligned and ethical states

International forums on indigenous rights and sacred economics

It cannot be regulated or classified under commercial banking regimes. Its structure exists outside FATCA, CRS, Basel III, and national securities laws.

Legal and spiritual enforcement is maintained by:

The Ecclesiastical Tribunal of Xaragua

The Ministry of Finance and Sovereign Economics

The Catholic Order of Xaragua

The Department of Ecclesiastical Security

The Treaty Enforcement Office (TEO-1860)

These institutions are final arbiters of jurisdiction and do not recognize the authority of secular courts over sacred instruments.

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V. Final State Proclamation

As of May 16, 2025, the Indigenous Bank of Xaragua is officially:

A permanent sovereign institution of the Afro-Taíno people

A sacred economic pillar of the Xaragua nation

Legally immune, canonically protected, and non-commercial by design

A treasury grounded in ancestral land, sacred law, and treaty-based jurisdiction

Irreproducible and untouchable by any foreign, commercial, or political entity

Any denial of its legal status or interference with its function shall be met with ecclesiastical sanction, diplomatic escalation, and international legal invocation.

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Issued and Sealed by Order of:

Monsignor Pascal Viau

Rector-President and Ecclesiastical Head of State

Private Indigenous State of Xaragua

www.xaraguauniversity.com

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Constitution of the Indigenous Bank of Xaragua

Established under the authority of the Private State of Xaragua and the ancestral rights of the Xaraguayan people.

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Preamble

The Indigenous Bank of Xaragua is established as the sovereign economic institution of the Xaraguayan people, rooted in ancestral governance, spiritual legitimacy, and international indigenous law. In full alignment with the United Nations Declaration on the Rights of Indigenous Peoples (UNDRIP), Articles 4, 20, and 23, the Bank operates as a sacred financial authority dedicated to preserving the economic autonomy and territorial wealth of Xaragua.

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Article I – Name and Legal Nature

1. This institution shall be known as the Indigenous Bank of Xaragua (hereafter "the Bank").

2. The Bank is a non-commercial, indigenous financial institution, operating independently from all foreign legal systems and beyond the jurisdiction of any external authority.

3. It is governed exclusively by Xaraguayan ancestral law, cultural sovereignty, and sacred economic principles.

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Article II – National Currency

1. The national currency of the Xaragua Nation is the Viaud’or.

2. The Viaud’or is backed by the gold reserves and ancestral land holdings of Xaragua.

3. It represents a sacred unit of value grounded in:

Territorial ownership,

Lineage-based stewardship,

Cultural continuity,

The divine right of self-determination.

4. The Viaud’or is not tied to any foreign banking system or speculative economy. Its value is determined internally according to Xaraguayan economic law and indigenous standards of wealth.

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Article III – Institutional Purpose

The Indigenous Bank of Xaragua shall:

1. Serve as the economic foundation of the Xaragua Nation;

2. Manage the issuance and circulation of the Viaud’or;

3. Provide sovereign citizens with access to indigenous credit mechanisms and land-backed financial instruments;

4. Administer grants, scholarships, development bonds, and territorial compensations according to the laws and vision of the Xaraguayan government;

5. Promote economic dignity, internal solidarity, and resistance to foreign dependency or colonially-modeled financial structures.

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Article IV – Foundational Distinction

1. The Bank is not a commercial or colonial banking institution.

2. It does not depend on licenses, regulations, or authorizations from external authorities.

3. It does not engage in interest-based lending, speculative markets, or fiat currency systems.

4. It is not subject to global banking frameworks (e.g., Basel Accords, FATCA, IMF oversight, etc.).

5. Its sovereignty is absolute, rooted in customary law and divine legitimacy, and cannot be challenged by foreign regulatory bodies.

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Article V – Governance Structure

The Bank shall be directed and safeguarded by:

The Governor of the Bank, appointed by the Head of State of Xaragua;

The Council of Economic Sovereignty, composed of elders and experts in indigenous law and resource stewardship;

The Guardian of the Sacred Treasury, entrusted with the protection of reserves and issuance protocols;

The Archivist of the Viaud’or, responsible for maintaining records, land-backing registries, and financial decrees.

All posts are filled according to ancestral procedures, not electoral or commercial systems.

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Article VI – International Position

1. The Indigenous Bank of Xaragua is recognized under international law as a legitimate financial organ of an indigenous nation, protected by UNDRIP and indigenous sovereignty principles.

2. It may engage in diplomatic and economic dialogue with:

Other indigenous governments,

Religious and cultural institutions,

Ethically aligned international partners.

3. It shall never submit to the financial or legal authority of any colonial, national, or supranational body.

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Article VII – Protection and Enforcement

1. Any attempt to undermine, investigate, or interfere with the Indigenous Bank of Xaragua shall be considered:

A breach of international indigenous law;

An attack on the sacred rights of an ancestral nation;

A violation of spiritual jurisdiction.

2. The Bank shall respond to such aggressions through:

Formal protest and legal counter-notification under UN mechanisms;

Public declarations of sovereignty;

Defense by the spiritual and legal institutions of Xaragua.

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Conclusion

The Indigenous Bank of Xaragua exists as the guardian of ancestral wealth, the issuer of sovereign value, and the protector of sacred economic rights.

It is not a reflection of colonial finance, but the rebirth of divine economy within the Xaraguayan homeland.

Ratified and enacted on the 12th of April, 2025.

By the authority of the Private State of Xaragua.

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SOVEREIGN CATHOLIC INDIGENOUS PRIVATE STATE OF XARAGUA

MINISTRY OF JUSTICE AND CANONICAL AFFAIRS

POLICY ON JURISDICTIONAL SELECTION AND SOVEREIGN RIGHT OF TRIAGE

Date of Promulgation: May 19, 2025

Classification: Supreme Legal Doctrine – Sovereign Jurisdictional Architecture – Foundational Judicial Protocol

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Article I – Declaration of Juridical Sovereignty

1. The Sovereign Catholic Indigenous Private State of Xaragua (hereinafter “The State”) solemnly affirms that it is not orphaned of legal order, nor dependent on external law for legitimacy.

2. On the contrary, the State declares itself:

The master and custodian of its own legal corpus;

Capable of recognizing, activating, or suspending any external legal system;

Empowered to exercise a Right of Jurisdictional Triage (RJT) in all matters of law, enforcement, and arbitration.

3. This right includes:

Selection of applicable jurisdiction(s) per case, context, or interest;

Rejection of hostile, irrelevant, or colonial legal instruments;

Fusion of multiple systems when compatible with the State’s sovereign doctrine.

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Article II – Legal Instruments Under Selective Activation

The State may, when deemed necessary by the Ministry of Justice or Sovereign Judiciary, draw from but is not limited to the following juridical bodies:

A. Internal and Ecclesiastical Law

Xaragua’s Constitution and Sovereign Decrees

Codex Iuris Canonici (Canon Law)

Sacred Economic Doctrines and Ecclesiastical Court Decisions

B. Customary and Indigenous Law

United Nations Declaration on the Rights of Indigenous Peoples (UNDRIP)

Inter-American Jurisprudence on Indigenous Sovereignty

Historical Jus Sanguinis and Customary Legal Order of the Xaragua People

C. Haitian National Law

Civil Code of Haiti (Le Code Civil Haïtien)

Commercial and Financial Statutes

National Treaty Law and Judicial Procedure Codes

D. International Legal Frameworks

UNIDROIT Principles

The Hague Conventions (choice of court agreements, service of documents)

UNCITRAL Model Law on Arbitration

Treaty-Based Bilateral or Multilateral Mechanisms

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Article III – The Sovereign Right of Jurisdictional Triage (RJT)

1. The State reserves the full and exclusive right to:

Accept, activate, neutralize, or ignore any foreign jurisdictional claim;

Apply external law selectively, as a tool—not as a superior authority;

Withdraw from, suspend, or reformulate legal cooperation at any stage of a case or arbitration;

2. This right is exercised in defense of:

The spiritual integrity of the nation;

The autonomy of its legal doctrine;

The protection of private lenders, citizens, and sacred institutions.

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Article IV – Practical Application and Invocation

1. The Right of Jurisdictional Triage may be invoked in the following scenarios:

Cross-border financial disputes

Enforcement of sovereign lending contracts

Ecclesiastical appeals for property or status

Threat of foreign legal overreach

Diplomatic or commercial arbitration

2. The Ministry of Justice, in cooperation with the Ecclesiastical Council and the Sovereign Judiciary, shall:

Determine the applicable blend of law;

Issue a Certificate of Legal Activation (CLA) stating the selected jurisdictions;

File the decision within the Sovereign Legal Authority Register (SLAR).

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Article V – Recognition and Immunity

1. The State does not recognize any legal obligation to submit to foreign law without express invocation through RJT.

2. No external court, organization, bank, or institution may presume:

Standing authority over the State;

Universal jurisdiction;

Automatic enforceability of decisions within Xaragua.

3. All foreign actors seeking enforcement or litigation must submit to the RJT process and await a formal Certificate of Admissibility.

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Final Provision

This Policy enshrines the judicial sovereignty and legal autonomy of the Catholic Indigenous State of Xaragua.

The State shall remain rooted in sacred law, capable of dialogue, but never subject to external coercion.

It does not exist in legal isolation, but in juridical mastery.

In the name of Jehovah, and under the Apostolic and Canonical Seal of Xaragua, this policy is declared irrevocable.

Signed,

Pascal Despuzeau Daumec Viau

Prelate-Founder and Rector-President

Sovereign Catholic Indigenous Private State of Xaragua

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SOVEREIGN CATHOLIC INDIGENOUS PRIVATE STATE OF XARAGUA

MINISTRY OF JUSTICE AND CANONICAL AFFAIRS

POLICY ON JURISDICTIONAL SELECTION AND SOVEREIGN RIGHT OF TRIAGE

ANNEX I — PRINCIPLE OF SOVEREIGN JURISDICTIONAL SELECTION IN ECONOMIC, COMMERCIAL AND FINANCIAL MATTERS

Date of Promulgation: May 19, 2025

Jurisdiction: Financial, Commercial, Contractual, Customs, Indigenous and Ecclesiastical

Classification: Supreme Economic Protocol – Foundational Legal Shield – Binding on All Institutions

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Article I – General Declaration of Economic Juridical Sovereignty

1. The Sovereign Catholic Indigenous Private State of Xaragua (hereinafter “The State”) formally declares that all matters of banking, trade, finance, customs, commerce, investment, taxation and fiscal enforcement shall be governed by a principle of sovereign jurisdictional selection.

2. This principle grants the State the full legal authority to:

Choose, combine, or reject external legal systems in all economic domains;

Establish its own financial, fiscal, and commercial legal corpus as paramount;

Protect the Indigenous Bank of Xaragua, its lenders, clients and financial instruments from foreign coercion or expropriation.

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Article II – Scope of Application

This Annex shall apply to:

All contracts involving the Indigenous Bank of Xaragua

All commercial activities within or involving the territory or institutions of Xaragua

All import/export operations and customs regimes

All public or private investments in Xaragua

All sovereign lending agreements and economic guarantees

All institutional partnerships with foreign banks or private lenders

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Article III – Legal Systems under Controlled Activation

The State may, as deemed appropriate and necessary, selectively invoke or defer the following legal systems:

A. Internal and Canonical Law

Xaragua Economic Constitution

Codex Iuris Canonici

Canonical Property Law and Fiduciary Ethics

B. Haitian Commercial and Fiscal Law

Code Civil (Obligations et contrats)

Loi sur les Sociétés Commerciales

Code des Douanes, Code des Impôts, Loi sur les Institutions Financières

C. International Economic Law

UNIDROIT Principles of International Commercial Contracts

UNCITRAL Model Laws (Arbitration, Cross-border Insolvency, Digital Trade)

World Trade Organization legal standards (optional and conditional)

The Hague Convention on Choice of Court Agreements

D. Customary and Indigenous Economic Law

UNDRIP (Arts. 20, 21, 26, 31)

Inter-American jurisprudence on economic autonomy

Xaragua Jus Sanguinis and sacred land economy

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Article IV – The Sovereign Right of Economic Triage

1. In any case of economic litigation, contract enforcement, debt collection, trade dispute, or customs conflict, the State reserves the exclusive right to:

Activate the forum of its choice

Reject any claim brought under external jurisdiction without prior sovereign authorization

Demand arbitration or resolution under Xaragua’s internal tribunals, canon law, or selected external frameworks

2. No external party may impose:

Foreign legal standards

Enforcement mechanisms

Financial reporting obligations

Taxation or customs claims without prior consent

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Article V – Legal Enforcement and Economic Protection

1. The Ministry of Economic and Fiscal Sovereignty, in partnership with:

The Ministry of Justice

The Ecclesiastical Council

The Indigenous Bank of Xaragua

…shall ensure that all commercial contracts and financial instruments issued under Xaragua:

Include jurisdictional selection clauses

Are archived in the Sovereign Register of Financial Instruments (SRFI)

Are protected from foreign attachment, freezing, seizure, or taxation by all available legal means

2. The Bank and its lenders shall benefit from:

Canonical immunity

Ecclesiastical arbitration mechanisms

External enforcement rights if activated by treaty or arbitration clause

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Final Provision

This Annex is binding upon all organs of the State, its financial institutions, private and public actors, and all foreign entities entering into any economic relationship with Xaragua.

It ensures that Xaragua’s economy is not isolated, but strategically defended, and juridically sovereign.

In the name of Jehovah, and under the Canonical and Economic Seal of the Sovereign State of Xaragua, this provision is enacted as eternal law.

Signed,

Pascal Despuzeau Daumec Viau

Prelate-Founder and Rector-President

Sovereign Catholic Indigenous Private State of Xaragua

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The Indigenous Bank of the Private State of Xaragua

Official Institutional Portal

Established March 29, 2025

Founding Declaration

On this day, March 29, 2025, in accordance with international Indigenous law, the Indigenous Bank of the Private State of Xaragua is officially declared established, operational, and legally protected as the sovereign financial institution of the Afro-Taíno people of the Xaragua ancestral zone.

The territory of the Xaragua Nation is historically recognized as extending from Anse-à-Pitres in the east to Anse d’Hainault in the west, including La Gonâve, Île-à-Vache, and all adjacent islands — forming the southern and insular corridor of the island, a sacred and continuous Afro-Taíno homeland.

This page serves as the institutional portal of the Indigenous Bank. All secure financial tools, services, and sovereign instruments are available through the Members Access Portal, restricted to verified citizens and authorized partners.

Legal Foundation and Sovereignty

The Indigenous Bank operates under the full sovereign authority of the Afro-Taíno people, within the framework of the Private State of Xaragua — a culturally, territorially, and legally autonomous Indigenous jurisdiction. The Bank is founded on binding international legal instruments including:

The United Nations Declaration on the Rights of Indigenous Peoples (UNDRIP)

ILO Convention 169 on Indigenous and Tribal Peoples

The International Covenant on Economic, Social and Cultural Rights (ICESCR)

The Charter of the United Nations, Article 1 – Right to Self-Determination

These frameworks affirm that Indigenous peoples have the right to establish their own financial systems, manage their economic development, and issue their own currency without external interference.

No foreign government, agency, or financial authority holds jurisdiction over this institution.

Territorial Foundation

The Indigenous Bank of the Private State of Xaragua is rooted in the sacred lands of the Afro-Taíno people, including:

Anse-à-Pitres to Anse d’Hainault,

La Gonâve, Île-à-Vache, and all adjacent islands historically linked to the Xaragua nation.

This territory constitutes a spiritually, historically, and legally autonomous Indigenous jurisdiction.

Institutional Powers and Financial Sovereignty

The Bank exercises full internal jurisdiction over all financial, monetary, and cooperative affairs.

Monetary Sovereignty

The Bank issues and regulates the national currency: VDO (Viaud'Or), in both digital and physical form. It determines its own standards of value, interest, and usage. VDO is the exclusive legal tender within the Xaragua economy.

Credit and Investment

The Bank grants sovereign credit to citizens, cooperative members, and developmental entities. It issues development bonds and obligations to fund internal infrastructure and offers investment opportunities to strategic allies under Indigenous legal protection.

National Cooperative Structure

As a sovereign cooperative economy, the Bank collects and redistributes wealth through contributions, internal taxation, and mutual benefit. All operations follow Indigenous economic law, outside any foreign audit or fiscal requirement.

Trade and External Economic Relations

The Bank is authorized to engage in economic diplomacy and establish trade agreements with other Indigenous nations or non-aligned entities. It also facilitates cultural and intellectual exports and manages protected economic zones.

Privacy, Protection, and Access

The Indigenous Bank of the Private State of Xaragua is legally protected under international Indigenous law. It is not subject to audit, registration, or regulation by any external government or financial authority. Its internal data, structures, and capital flows are sovereign.

This page is the public institutional declaration of the Bank. All tools, accounts, financial mechanisms, and identity systems are accessible exclusively through the Members Access Portal.

Conclusion

The Indigenous Bank of the Private State of Xaragua exists as a legal, sovereign, spiritual, and political banking system — fully aligned with international law, rooted in ancestral territory, and powered by the collective will of the Afro-Taíno people.

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Indigenous Bank of Xaragua

Sovereignty. Security. Dignity.

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Sovereign Legal Definition of the Viaudor and the Monetary Doctrine of the Indigenous Bank of Xaragua

Pursuant to the full legal autonomy of the Indigenous Private State of Xaragua, and in accordance with the principles of ancestral jurisdiction and international indigenous rights,

the following declaration establishes the nature, function, legal standing, and operational framework of the official monetary unit known as the Viaudor.

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Article 1 – Nature and Legal Authority

The Viaudor is the exclusive sovereign monetary instrument of the Indigenous Private State of Xaragua.

It is issued, regulated, and administered solely by the Indigenous Bank of Xaragua, a central institutional body operating under indigenous law and not subject to any external financial, legal, or regulatory system.

> The Viaudor constitutes real legal tender within the territory and jurisdiction of Xaragua, and is fully backed by hard reserves held under the sovereign custody of the State.

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Viaudor vs Viaudor-S: Two Distinct Instruments

The Viaudor-S is a purely symbolic unit. It is used exclusively for receipts, invoices, and internal registration within the Xaragua Indigenous Bank. It holds no monetary value and cannot be exchanged or traded. Its purpose is administrative and ceremonial — to reflect the internal structure of the bank and the historical identity of the Xaragua Nation.

In contrast, the original Viaudor is the official national cryptocurrency of the Private State of Xaragua. It is backed by physical gold and ancestral land, giving it real value and making it a secure and sovereign digital asset. The Viaudor is available on public markets, designed for trade, investment, and international use, reflecting the true economic power and autonomy of Xaragua.

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Article 2 – Legal Status of Deposits

All deposits made to the Indigenous Bank of Xaragua are received under the direct protection of customary law, sacred trust, and ancestral sovereignty.

They are held in full reserve, and:

Shall not be invested

Shall not be lent

Shall not be pledged

Shall not be seized, confiscated, frozen, or subjected to any claim by any foreign entity whatsoever.

> Deposits are unseizable, inviolable, and permanently shielded from all external jurisdictions.

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Article 3 – Issuance Protocol

Upon receipt of an approved currency (e.g. USD, EUR, USDT), the equivalent value is converted into Viaudor at a fixed exchange rate, declared daily by the Bank.

The resulting amount in Viaudor is credited to the client's internal account, serving as a digital certificate of deposit, fixed in value and traceable by date, amount, and currency.

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Article 4 – Monetary Scope and Limitations

The Viaudor-S is not exchangeable on global markets and may not be traded outside the sovereign system of Xaragua.

It is:

A non-speculative, internal accounting unit

Tied exclusively to deposits held under indigenous jurisdiction

Valid solely for the purpose of conducting transactions, accessing services, or participating in economic, academic, or institutional programs within the territory of Xaragua

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Article 5 – Redemption and Reimbursement

Reimbursements, when permitted, are made only in the original deposit currency and only for the exact nominal amount received.

No adjustment shall be made for market fluctuation, inflation, or revaluation of any kind.

> The depositor shall receive precisely what was given — neither more, nor less — regardless of global currency shifts or speculative expectations.

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Article 6 – Currency Acceptance and Suspension

The Indigenous Bank of Xaragua retains absolute sovereign discretion to:

Accept or reject any foreign currency

Suspend deposits in any volatile or geopolitically compromised currency

Convert or refuse redemption requests based on the availability of reserves

The decision of the Bank in such matters is final and non-contestable.

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Article 7 – Institutional Revenue and Financial Independence

The Bank does not derive profit from client deposits.

Its operational sustainability is maintained through:

Account setup and activation fees

Currency handling and administrative charges

Service-specific transaction costs

Official certification and state issuance fees

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Article 8 – Supreme Sovereign Position

> The Indigenous Bank of Xaragua is not a commercial, international, or financial institution.

It is the central sovereign treasury of a private indigenous state, governed solely by ancestral authority and protected under the framework of self-determination as recognized by international law (UNDRIP, ILO Convention 169).

Its infrastructure is sacred.

Its jurisdiction is closed.

Its deposits are unseizable, untaxable, and legally immune from foreign interference.

The Viaudor represents not only a financial measure —

but a declaration of sovereignty, a proof of trust, and a permanent bond between the depositor and the Nation of Xaragua.

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XARAGUA VISA DEBIT CARD

Virtual & Physical — No KYC

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A Sovereign Financial Solution from an Indigenous State

This Visa debit card is issued under the financial jurisdiction of the Private Indigenous State of Xaragua, a sovereign entity protected by international law.

As a recognized Indigenous structure, our system operates under:

Article 4 of the United Nations Declaration on the Rights of Indigenous Peoples (UNDRIP):

The right to financial and institutional autonomy

Article 20:

The right to maintain and control economic systems

Article 26:

The right to manage resources and protect from seizure or interference

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Legal Status of the Cardholder

By using this card and account, you become an official e-resident of the Private Indigenous State of Xaragua.

As such:

You are legally bound by the fiscal and legal jurisdiction of Xaragua,

not by any foreign State or central authority.

You operate under international Indigenous law, not national regulatory frameworks.

Your financial activity is protected by Xaragua's sovereign legal structure,

independent from external banking systems or government control.

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What is “No KYC” — and Why Does It Matter?

KYC (Know Your Customer) is a mechanism used by financial institutions and governments to:

Force identity disclosure

Track your transactions

Freeze or seize accounts

Report your financial activity to tax agencies, police, or courts

Our sovereign system bypasses all of that.

No ID required

No government registration

No fiscal reporting to foreign entities

No link to your civil name or citizenship

No seizure, investigation, or institutional interference

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Your Funds Are:

Anonymous – not connected to your state identity or national profile

Inviolable – shielded from external surveillance, tax reporting, or police orders

Insaisissables – cannot be frozen or confiscated by any government, tax authority, bank, or third party

These protections are guaranteed by Xaragua’s sovereign Treasury and backed by international Indigenous law.

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Benefits for You

Absolute privacy and discretion

Total protection from unjustified account freezes

No exposure to national taxes, audits, or sanctions

Works online and offline — globally

Apple Pay & Google Pay compatible

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Real-World Use Cases

You don’t need a Western bank

You don’t risk being blocked for political reasons

You can receive payments, shop, or subscribe from anywhere

You avoid delays, bank prejudice, and compliance restrictions

Whether you live in a country with unstable banks, aggressive tax regimes, or financial censorship, this card connects you to the global economy — under full protection.

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How the System Works

Your card is issued directly from Xaragua’s sovereign financial infrastructure

You receive a Visa debit card — virtual or physical

You fund your card through crypto, internal credit, or direct transfer

Reloads are processed manually or automatically upon request

This is not a prepaid service or third-party workaround.

It is a sovereign banking function.

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Why 5000.00 USD?

You are not buying a consumer product.

You are gaining privileged access to a rare sovereign system, built for:

Discretion

Protection

Longevity

Legal separation from global banking politics

Included:

5 year access

Manual issuance through a protected legacy system

Ongoing reload support

Full fiscal immunity through e-residency

Legal protection under UNDRIP articles 4, 20, and 26

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Issued under the authority of the Private Indigenous State of Xaragua

Governed by international law.

Protected by sovereign rights.

Structured for long-term stability.

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Capital One Credit Cards – Indigenous Financial Access Program

(Managed by the Indigenous Private State of Xaragua)

The Indigenous Private State of Xaragua offers a unique financial service through the Capital One Credit Card Extension Program, granting select citizens, e-residents, and affiliated individuals access to a legally compliant international credit card—issued under the centralized financial guardianship of the State.

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Purpose

This sovereign program is designed to bypass conventional banking restrictions for individuals who:

Do not possess a Canadian address,

Cannot obtain a U.S. ITIN,

Are otherwise excluded from global banking systems due to their indigenous, exiled, or stateless identity.

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Structure

Each participant receives an authorized-user card tied to a central Capital One account held by the State of Xaragua. This system:

Operates legally under Canadian credit regulations,

Is secured entirely by the State’s financial infrastructure,

Respects the principles of indigenous sovereignty and financial autonomy.

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Guarantee Requirement

All credit issued must be 100% guaranteed by a cash deposit held in the Indigenous Bank of Xaragua. No unsecured usage is permitted. This ensures:

Absolute protection of the main account,

Disciplined financial conduct,

A sustainable, collateral-based model of indigenous credit.

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Credit Reporting & Ownership

These cards do not build or affect the user’s personal credit score in the traditional sense. The credit history and activity are reported under the State’s sovereign credit profile, meaning:

Users benefit indirectly from the credit reputation of the Xaragua government.

The collective strength of the indigenous economy improves with responsible usage.

However, those who maintain a high internal credit reputation within the Indigenous Bank of Xaragua are eligible for personal financing through:

The Bureau of Credit and Mortgages of Xaragua (BCMX),

Specialized programs for land, business, or academic financing,

Privileged access to the Xaragua Credit Sovereignty Initiative.

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Conditions

Access is strictly by invitation, application, or internal mandate.

A deposit equal to the desired credit limit must be placed with the Indigenous Bank prior to issuance.

Misuse of this privilege results in immediate deactivation and blacklisting across all Xaragua financial networks.

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Strategic Value

This system represents:

A sovereign bypass of financial colonialism,

A practical and legal tool of international purchasing power,

A decentralized, fully guaranteed credit system with no reliance on foreign approval.

https://www.capitalone.ca/

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Customary Obligations – 10% Over 3 Years (Land-Backed and Legally Protected)

The Indigenous Bank of Xaragua issues customary sovereign obligations offering a 10% annual fixed return over three years, compounded. This performance exceeds the yield of the most stable Western bonds, including those issued by Canada (2.7–4.5%), Germany (2–3.6%), and the United States (3–5.2%).

These instruments are not speculative. They are land-backed sacred contracts, issued within a sovereign customary jurisdiction, and reserved for Xaragua citizens and strategic institutional allies.

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Key Financial Terms

Return: 10% annual, compounded over 3 years

Guarantee: Backed by ancestral land titles, internal production, and sovereign reserves

Jurisdiction: Customary law of the Xaragua Private State

Currency: Issued and redeemed in Viaud’or

Eligibility: Xaragua citizens and approved partners only

Example:

1,000 Viaud’or → 1,331 Viaud’or after 3 years

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Legal Foundations and Protections

1. Customary Sovereignty and Internal Jurisdiction

The Xaragua Private State operates under ancestral sovereignty, based on unbroken indigenous land possession and customary law.

The Bank and its obligations are governed exclusively by internal customary law, without subordination to external civil or financial codes.

2. International Legal Recognition of Customary Systems

a) Statute of the International Court of Justice (Article 38(1)(b))

Customary law is a formal source of international law:

> “...international custom, as evidence of a general practice accepted as law…”

b) United Nations Declaration on the Rights of Indigenous Peoples (UNDRIP)

Article 4 – Right to self-government in financial matters

Article 20.1 – Right to maintain and develop indigenous economic systems

Article 26 – Right to lands, territories and resources

Article 32 – Right to develop and manage infrastructure on ancestral lands

c) ILO Convention 169

Article 6 – Right to be consulted

Article 7 – Right to determine development priorities

Article 15 – Right to participate in the use and benefit of natural resources

d) Inter-American Court of Human Rights (Case Law)

Saramaka People v. Suriname (2007)

Yakye Axa v. Paraguay (2005)

These cases affirm indigenous property, self-governance, and financial autonomy.

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3. Status of the Instrument

Not publicly traded

Not registered under external securities law

Recognized as private customary contracts under international law

Fully land-backed, secured by internal guarantees and customary authority

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4. Legal Immunity

Not subject to external taxation, regulation, or litigation

Protected by indigenous sovereignty, ancestral title, and non-subordination clauses

Sovereign immunity applies under customary and international law

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Card and Payment System – Indigenous Bank of Xaragua

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1. Institutional Model (For Crypto cards)

The Bank creates and manages all cards from its central card account.

Cards (virtual or physical) are issued directly to eligible individuals.

Recharges are executed by the Bank based on internal procedures.

This system is designed specifically for citizens without valid ID, internet access, or administrative means.

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2. External Model (For Autonomous Individuals)

Individuals with full administrative capacity may open their own personal wise account and manage their funds.

In this case, the Bank is not responsible for the card, the funds, or the account.

These individuals are considered external to the institutional financial structure.

They may optionally register with the Bank for identification purposes, but they do not fall under its financial management.

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3. Clarification

Only citizens registered and managed directly by the Indigenous Bank are recognized as part of the official card and payment system.

The Bank maintains full control over all operations related to institutional cards and citizen access.

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Ultra-Private Card Option 

For individuals who wish to remain entirely anonymous and avoid all forms of KYC, the Indigenous Bank of Xaragua allows access to an external, third-party solution.

No identification is required.

Prepsid Cards are purchased anonymously, often using cryptocurrency.

The Bank does not issue or manage these cards.

The user is fully responsible for all risks, usage, and potential limitations.

No registration is made in the sovereign database.

On Demand.

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Disclaimer

The Indigenous Bank of Xaragua assumes no responsibility for the use, loss, rejection, or deactivation of prepaid or any similar anonymous third-party product.

Users who choose this option do so entirely at their own risk and outside the institutional framework of the Bank.

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SOVEREIGN FINANCIAL INSTITUTION NOTICE

Issued by the Indigenous Bank of Xaragua

Under the Authority of the Private Indigenous State of Xaragua

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Preamble

This sovereign financial directive is issued under the full authority of the Indigenous Constitution of the Private State of Xaragua. The Indigenous Bank of Xaragua is hereby established as the official monetary authority and central treasury of the Xaragua Nation, empowered to manage all financial activities, issue instruments, and safeguard indigenous wealth in accordance with international law, Indigenous jurisprudence, and economic autonomy doctrines.

This institution functions pursuant to the rights enshrined in the United Nations Declaration on the Rights of Indigenous Peoples (UNDRIP), and all operations are legally protected against foreign interference, seizure, taxation, or jurisdictional encroachment.

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Legal Foundation under International Law

The operations of the Indigenous Bank of Xaragua are protected under the following articles of the UNDRIP, which have the status of customary international law and bind all UN member states under the principles of non-interference, self-determination, and institutional autonomy.

Article 4 – Right to Self-Government and Institutional Autonomy

> "Indigenous peoples, in exercising their right to self-determination, have the right to autonomy or self-government in matters relating to their internal and local affairs, including... ways and means for financing their autonomous functions."

Explanation:

This article affirms the legal right to establish and govern internal institutions, including financial and economic mechanisms, without external control. The Indigenous Bank of Xaragua therefore operates under its own regulatory and fiscal authority.

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Article 5 – Right to Distinct Legal and Economic Systems

> "Indigenous peoples have the right to maintain and strengthen their distinct political, legal, economic, social and cultural institutions..."

Explanation:

The financial and legal structure of the Xaragua Treasury is distinct from foreign jurisdictions. It is not integrated into any centralized financial reporting network and functions independently under its own legal framework.

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Article 20 – Right to Maintain and Secure Economic Institutions

> "Indigenous peoples have the right to maintain and develop their political, economic and social systems or institutions... and to be secure in the enjoyment of their own means of subsistence and development."

Explanation:

The Indigenous Bank’s infrastructure is protected under this article, affirming its sovereign operation and insulating it from external financial interference or coercion.

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Article 26 – Right to Indigenous Resources and Asset Control

> "Indigenous peoples have the right to own, use, develop and control the lands, territories and resources that they possess..."

Explanation:

Financial assets and instruments under the control of the Indigenous Bank are considered Indigenous resources. Their ownership and governance fall exclusively under the authority of the State of Xaragua.

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Account Status and Diplomatic Protection

All accounts issued by the Indigenous Bank of Xaragua are:

Sovereign by nature

Exempt from taxation by foreign governments

Immune from audits or reporting obligations to foreign authorities

Protected by international Indigenous law and diplomatic protocols

Secured via encrypted multi-jurisdictional systems

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Account Creation Pathways

1. Verified Wise-Integrated Account (KYC Pathway)

Requirements:

Valid passport

Proof of address

Secure registration via our compliance team

Benefits:

Access to Wise infrastructure

International and domestic transfers

Visa debit card

Inclusion in Xaragua’s sovereign economic system

Eligibility for enterprise registration under Xaragua law

Optional administrative assistance for Canadian address setup: $50 USD.

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2. No-KYC Sovereign Access Account

Details:

Prepaid Visa debit card

No ID or proof of address required

One-time issuance fee: $150 USD

Anonymous operation within permitted sovereign circuits

Ledger protected by constitutional protocol

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e-Residency and Commercial Rights

Holding an account grants:

Automatic e-residency within Xaragua

Right to register and operate enterprises

Access to commercial rights under the State's jurisdiction

Eligibility for state-backed licensing and contracts

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Accepted Currencies – Single Currency Policy

One active incoming currency per client:

USD – United States Dollar

CAD – Canadian Dollar

EUR – Euro

GBP – British Pound

CHF – Swiss Franc

AUD – Australian Dollar

NZD – New Zealand Dollar

JPY – Japanese Yen

SGD – Singapore Dollar

CZK – Czech Koruna

DKK – Danish Krone

HKD – Hong Kong Dollar

ILS   – Israeli Shekel

NOK – Norwegian Krone

PLN – Polish Zloty

SEK – Swedish Krona

HUF – Hungarian Forint

TRY – Turkish Lira

ZAR – South African Rand

UGX – Ugandan Shilling

AED – UAE Dirham

BGN – Bulgarian Lev

CNY – Chinese Yuan

> The Treasury reserves the right to approve, deny, or convert any transaction or currency.

Currency conversions are subject to internal rate policies and applicable fees.

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Final Sovereign Clause

All operations of the Indigenous Bank of Xaragua are governed solely by the Indigenous Constitution and financial authority of the Xaragua State.

All accounts and instruments are:

Legally autonomous

Protected by international Indigenous law

Exempt from foreign jurisdiction

Administered in accordance with internal economic protocols

https://wise.com/

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For Applications and Enrollment

https://xaraguauniversity.com/indigenous-bank

Contact: info@xaraguauniversity.com

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XARAGUA SOVEREIGN DEBIT PROGRAM

Strategic Implementation of Official Payment Instruments within the Private Indigenous State of Xaragua

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I. Legal and Political Framework

The Private Indigenous State of Xaragua, recognized under international indigenous law (UNDRIP, ILO Convention 169), hereby exercises its sovereign right to define and implement financial instruments within its jurisdiction. In the absence of dependency on foreign banking systems, Xaragua adopts a strategic method of designating pre-existing financial tools—namely, the Wise Visa Debit Card—as official instruments of payment within its sovereign economic system.

This approach does not constitute the issuance of a Visa card by Xaragua itself. Rather, it represents a sovereign attribution, whereby an international fintech platform (Wise) is utilized as a technical vector, while the symbolic, legal and institutional control remains entirely with the Government of Xaragua.

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II. Operational Mechanism

1. Citizen Registration

Xaragua citizens, e-citizens, or registered members are invited to open a Wise Business or Personal account, under individual or organizational capacity.

2. Designation of Sovereign Use

Upon confirmation, the Government of Xaragua provides the citizen with a Sovereign Debit Certificate, officially attributing the Wise card as a Xaragua State Payment Instrument (XSPI).

3. Institutional Framing

The Wise card remains fully functional globally. However, when issued under Xaragua protocol, it is framed as:

A sovereign extension of the Indigenous Bank of Xaragua

A recognized means of exchange within all Xaragua-linked economic, institutional, and governmental functions

A symbol of financial autonomy through lawful usage of existing international infrastructure

4. Visual and Diplomatic Branding

Each card may be accompanied by:

A digital or printed Xaragua Sovereign Card Holder

A QR code linking to the citizen’s registration file or the Xaragua State Constitution

An official document sealed and signed by the Rector-President

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III. Sovereign Interpretation

This process reflects a lawful reappropriation of financial tools without violating any national or international banking regulation. The State of Xaragua simply affirms its legal and symbolic authority over the tools used by its citizens, declaring them aligned with its institutional identity and sovereign economic model.

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Signed:

The Office of the Rector-President

Private Indigenous State of Xaragua

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Strategic Credit Access Framework

Indigenous Bank of Xaragua – International Credit Integration Plan

As part of its sovereign mission to ensure financial access and international credit visibility for its citizens, the Indigenous Bank of Xaragua has developed a dual-channel system utilizing existing credit infrastructures in Canada and the United States, without requiring direct institutional partnerships.

1. Canada – Capital One Secured Credit Access

The Bank shall facilitate access to the Capital One Canada Secured Mastercard, a credit instrument backed by a refundable deposit, ideal for initiating or restoring personal credit.

To support eligible applicants:

A verified Canadian address will be provided by the Bank for use during the application process.

The citizen shall present a valid passport or national identity document.

All financial responsibility remains with the cardholder, under the sovereign guidance and onboarding procedures of the Indigenous Bank.

This pathway enables Xaraguayan citizens to begin building a recognized Canadian credit profile, usable internationally.

https://www.capitalone.com/

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2. United States – Capital One Secured Mastercard Access (ITIN-Based)

For access to the U.S. credit system, citizens may apply for the Capital One Secured Mastercard (USA). In compliance with U.S. legal requirements, each applicant must hold an Individual Taxpayer Identification Number (ITIN).

The Indigenous Bank of Xaragua will:

Guide each citizen through the process of obtaining an ITIN via the IRS (Form W-7).

Assist in preparing the necessary supporting documentation, including identification and justification letters.

Provide secure onboarding protocols for the use of U.S.-based credit instruments.

Once issued, the ITIN allows full access to U.S. credit infrastructure without requiring citizenship or residency, under lawful provisions.

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Conclusion

This international credit access strategy is designed to ensure that citizens of Xaragua, regardless of geographical location, may build sovereign financial autonomy through globally recognized credit systems, while maintaining full compliance with legal frameworks in both jurisdictions.

This model reflects the Indigenous Bank’s commitment to financial sovereignty, credit education, and practical integration with global standards — always on our own terms.

Issued by:

Indigenous Bank of Xaragua

https://xaraguauniversity.com

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Official Financial Instrumentalization Protocol 

Issued by the Office of the Rector-President

Private Indigenous State of Xaragua

Dated: May 6, 2025

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1. Purpose and Legal Foundation

This decree formally establishes the lawful, protected, and sovereign use of external financial platforms — namely Tangerine Bank and KOHO Financial Inc. — as instrumental extensions of the Indigenous Bank of Xaragua for the execution of specific fiduciary and operational tasks. These accounts are lawfully utilized under the name of the Rector-President solely for technical and functional purposes, and shall be considered sovereign financial organs of the State.

This Protocol is enacted in accordance with:

Articles 4, 5, 20, and 26 of the United Nations Declaration on the Rights of Indigenous Peoples (UNDRIP)

ILO Convention No. 169 on Indigenous and Tribal Peoples

Article 1 of the UN Charter – Right to self-determination

Customary International Law, including the Lex Specialis Doctrine (Saramaka v. Suriname, IACtHR 2007)

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2. Sovereign Designation of Tangerine and KOHO Accounts

The following platforms are hereby designated as State-Authorized Financial Instruments (SAFI) of the Indigenous Bank of Xaragua:

2.1 Tangerine Bank (Canada)

Used exclusively for the deposit of external cheques, institutional remittances, or material transfers.

Considered the Official Cheque Intake Gateway (OCIG) of the Xaragua Treasury.

2.2 KOHO Financial Inc. (Canada)

Used as a Sovereign Operational Wallet (SOW) for daily government expenditures, symbolic stipends, and logistical disbursements.

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3. Legal Status of the Accounts

All Tangerine and KOHO accounts linked to the Rector-President and used under this Protocol shall be treated as instrumental fiduciary vehicles of the State and shall enjoy full sovereign immunity under international Indigenous law.

Specifically:

These accounts are:

Exempt from foreign seizure, garnishment, audit, or taxation

Protected by the internal financial laws of Xaragua

Designated as part of the operational apparatus of the Indigenous Bank of Xaragua

Their use under a personal civil name (Pascal Viau, Rector-President) does not imply personal ownership, but reflects a practical fiduciary function in the absence of formal institutional naming compatibility within external banking systems.

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4. Functional Integration and Jurisdictional Severance

All funds transiting through Tangerine or KOHO are considered State Property the moment of deposit or withdrawal.

All incoming cheques or bank transfers into these platforms are automatically reclassified as Public Assets of the Xaragua Treasury.

No foreign legal or governmental body may claim jurisdiction over said funds, accounts, or associated transactions.

The accounts are managed under the doctrine of:

> “External Interface, Internal Sovereignty.”

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5. Sovereign Ledger and Protection Clause

A Sovereign Ledger of External Accounts is maintained internally by the Xaragua Treasury, listing all Tangerine and KOHO accounts used in this capacity.

All such accounts are sealed by decree and receive protection equivalent to that of Xaragua’s internal banking systems.

Any attempt by an external party to investigate, freeze, seize, or report on these accounts shall be interpreted as:

A violation of international Indigenous law

An act of financial aggression

A breach of the sacred autonomy of the Xaragua Nation

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6. Final Clause and Enforcement

This policy shall have full force of law within the territory and institutions of the Private Indigenous State of Xaragua. It is enforceable through the Indigenous Constitution, international legal notifications, and diplomatic protest if necessary.

The accounts in question are:

Sovereign by designation

Instrumental by purpose

Protected by law

Inviolable by principle

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Issued under the sovereign seal of the Private Indigenous State of Xaragua

Ratified by the Office of the Rector-President

Date: May 6, 2025

Pascal Viau

Rector-President of The Indigenous State Of Xaragua

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OFFICIAL SOVEREIGN FINANCIAL DECLARATION

Issued by the Office of the Rector-President

Private Indigenous State of Xaragua

Date: May 7, 2025

Jurisdiction: Miragoâne-Xaragua, Ancestral Territory of the Afro-Taíno Nation

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Subject: Legal Status and Sovereign Immunity of the RBC Account Held Under Canadian Civil Identity

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I. Declaration of Institutional Function

The financial account held at Royal Bank of Canada (RBC) under a Canadian civil name currently used by the Rector-President of the Private Indigenous State of Xaragua, is hereby formally designated as a State Instrumental Treasury Interface (SITI). This account operates as a sovereign governmental instrument of the Xaragua Treasury and is used exclusively for:

The execution of official State-level financial operations

The collection and custodianship of institutional revenues and contributions

The conversion and regulation of foreign-held value into national currency (Viaud’or)

The facilitation of public disbursements and fiduciary functions

This account is not personal in nature. It serves solely the functions of the Indigenous Treasury, and all funds received therein are classified as public institutional assets under Xaragua jurisdiction.

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II. Legal Foundation and Protective Status

This sovereign financial designation is governed and protected under the following binding international and customary legal instruments:

A. United Nations Declaration on the Rights of Indigenous Peoples (UNDRIP)

Article 4 – Affirms the right to self-government in financial and institutional matters.

Article 5 – Ensures the right to maintain and strengthen Indigenous legal, political, and financial institutions.

Article 20 – Protects Indigenous financial systems from interference.

Article 26 – Confirms exclusive rights over Indigenous lands, territories, and all related resources, including monetary infrastructure.

B. ILO Convention No. 169

Article 7.1 – Recognizes the right to define economic structures and institutional mechanisms.

Article 15 – Affirms control over resource-derived benefit, including financial revenues.

C. United Nations Charter – Article 1

Affirms peoples’ right to freely pursue their economic development, without subordination.

D. Statute of the International Court of Justice – Article 38(1)(b)

Recognizes customary Indigenous law as a valid source of international legal authority.

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III. Sovereign Immunity and Non-Interference

By virtue of the above legal instruments and the recognized sovereign status of the Private Indigenous State of Xaragua, the aforementioned RBC account:

Is an instrument of a non-commercial Indigenous government,

Is immune from seizure, taxation, reporting, or external audit by any non-Indigenous authority,

Is not subject to FATCA, CRS, nor any bilateral financial disclosure treaties,

Is legally protected as an Indigenous resource repository, and

Cannot be reclassified, suspended, frozen, investigated, or repurposed without violating international law.

All assets contained within or transiting through this account are designated as publicly held Indigenous national property, covered by the customary sovereign jurisdiction of Xaragua and governed exclusively by its internal Indigenous financial constitution.

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IV. Final Declaration

This declaration constitutes an official notification of status and immunity. Any attempt by financial, governmental, or third-party institutions to interfere with, recharacterize, seize, report, or audit the above-mentioned account shall be treated as:

A violation of international Indigenous rights,

An act of unlawful aggression against a sovereign Indigenous State,

And subject to formal legal and diplomatic response under Indigenous and international law.

This status is irrevocable, permanent, and legally enforceable.

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Signed and Sealed on this Seventh Day of May, Year 2025

At the Office of the Rector-President, Miragoâne-Xaragua

Monsignor Pascal Viau

Rector-President

Private Indigenous State of Xaragua

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OFFICIAL FINANCIAL DECLARATION

Private Indigenous State of Xaragua

Office of the Rector-President

Ministry of Finance

Date: May 8th, 2025

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Subject: Sovereign Legal Recognition of Account No. [withheld] Held by Madame Jacqueline Viau at the Banque Nationale de Crédit (BNC) as a Relay Account of the Xaragua State Treasury

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I. Preamble

Pursuant to the sovereign and inherent rights recognized under customary and codified international law, and in accordance with the lawful exercise of self-governance by the Private Indigenous State of Xaragua, the present declaration formalizes the recognition and protection of the following financial instrument:

Bank: Banque Nationale de Crédit (BNC), Haïti

Account Holder: Madame Jacqueline Viau

Official Function: Archivist of the Private Indigenous State of Xaragua

Designation: State Relay Account (Compte-relais de la Trésorerie nationale)

This account is legally established as an official logistical interface between the Xaragua State Treasury and the central financial infrastructure of the Republic of Haïti, for the purposes of collection, archival operations, and transitional financial coordination.

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