PECULIUM (old): AI-Driven Blockchain Smart Savings Platform
The PECULIUM (old) whitepaper was released by the core project team prior to the launch of its Continuous Coin Offering (CCO) phase, aiming to address risks and volatility in traditional savings and the cryptocurrency market by integrating automated machine learning, artificial intelligence, and blockchain technology.
The theme of the PECULIUM (old) whitepaper can be summarized as “Peculium: A Decentralized Savings Management Platform Driven by Artificial Intelligence and Machine Learning.” What makes PECULIUM (old) unique is its seamless integration of automated machine learning and artificial intelligence (AML-AI) with Ethereum blockchain technology, deploying immutable smart contracts and its financial advisor AIΞVE to achieve intelligent risk management and investment optimization; the significance of PECULIUM (old) lies in providing individuals, brokers, and companies with a breakthrough savings management solution based on crypto asset value, aiming to revolutionize the savings management industry.
The original intention of PECULIUM (old) was to create a transparent, decentralized savings platform to maximize returns and help users avoid risks in the current investment industry. The core idea presented in the PECULIUM (old) whitepaper is: by combining AML-AI with Ethereum blockchain technology, it achieves transparent, decentralized, and immutable contract protocols, while using AIΞVE’s risk management algorithms to intelligently diversify and optimize investments for the lowest risk-return ratio.
PECULIUM (old) whitepaper summary
What is PECULIUM (old)
Friends, imagine having a smart “financial butler” that not only manages your bank savings, but also helps you invest in those vibrant yet somewhat confusing cryptocurrencies. The PECULIUM (old) project, abbreviated as PCL, was originally envisioned as such a platform—a “smart butler” that combines traditional savings, blockchain technology, cryptocurrency, and artificial intelligence.
Simply put, its goal is to make it easier for you to participate in cryptocurrency investment, and with the help of AI, to help your funds grow steadily in the crypto world. The core of the platform is an AI engine called AIEVE, which acts like a super-intelligent investment advisor, analyzing the market and making investment decisions for you. PECULIUM was initially built on the Ethereum blockchain network, using smart contracts to execute various operations, and later migrated to Binance Smart Chain.
Smart Contracts: You can think of these as self-executing digital contracts. Once preset conditions are met, the contract executes automatically, without third-party intervention, and is recorded on the blockchain—open, transparent, and immutable.
Project Vision and Value Proposition
PECULIUM’s vision is to give traditional savings a “major upgrade.” By introducing blockchain and AI, it aims to make old-fashioned savings management more modern and powerful. Imagine your grandparents saving money in a bank, while you can now use PECULIUM to let an AI manage part of your money in the crypto market—pretty cool, right?
The core problem it wants to solve is that the crypto market is highly volatile and information is complex, making it hard for ordinary people to participate. PECULIUM hopes to provide a transparent, secure, AI-driven investment management solution through its AIEVE AI, so everyone can enjoy the growth potential of crypto assets. Its uniqueness lies in the fact that, unlike traditional hedge funds managed entirely by humans, PECULIUM’s platform wallets are supervised by blockchain and AI. It’s like your investment decisions are made not by someone’s gut feeling, but by an AI that tirelessly analyzes massive amounts of data. Moreover, it offers varying degrees of self-management options—you can leave everything to AI, or customize according to your needs.
Technical Features
The technical core of the PECULIUM project can be summed up as a “blockchain + AI” combo.
Blockchain Technology
This project was initially built on the Ethereum blockchain, leveraging Ethereum’s smart contract functionality. Later, to adapt to market developments, it migrated to Binance Smart Chain (BEP-20). It’s like your “smart butler” started out working in a big city, then moved to another bustling city that better suited its growth.
Artificial Intelligence (AIEVE)
The “brain” of the project is AIEVE, which stands for “Artificial Intelligence, Ethics, Value, and Equilibrium.” It’s an automated machine learning (AML) engine—a super learning machine that continuously learns from massive data and optimizes investment strategies.
Data Analysis
AIEVE’s strength lies in its ability to analyze all kinds of data, including public data, databases, cloud information, social media (like Twitter, Facebook), blockchain transaction records, and even data from various exchanges. It’s like a data-collecting fanatic, gathering all this information for real-time analysis, predicting crypto market trends, and optimizing portfolios to maximize returns while minimizing risk.
Smart Contracts
PECULIUM uses smart contracts to ensure transparency, decentralization, and immutability of transactions. Your funds and investment strategies are managed through these smart contracts—like putting your investment instructions into a blockchain “vending machine” that automatically delivers results when conditions are met, with no one able to interfere.
Products
PECULIUM has developed several products to serve users, such as:
- SAIΞVE App: A wealth management platform for digital assets.
- BELIΞVE: A high-yield savings account using long-term investment strategies, designed to reduce volatility and generate high returns.
- Singulus: A solution designed for individual investors, offering basic features like risk management and stability, with more features available via subscription.
- Solidus: Smart contracts designed specifically for businesses and institutions.
Tokenomics
The token of the PECULIUM project is called PCL, which acts as the “pass” and “fuel” for this “smart butler” platform.
Token Basics
- Token Symbol: PCL (or Pecul).
- Issuing Chain: Initially an Ethereum-based ERC-20 token, later migrated to Binance Smart Chain’s BEP-20 standard. This means it can circulate on different blockchain networks.
- Total Supply: The total supply of PCL is about 220.5 million tokens.
- Issuance Mechanism: PCL tokens were issued through an ICO and pre-sale in 2017.
Inflation/Burn
Since the launch of the BELIΞVE product in July 2019, PECULIUM began regularly burning PCL tokens collected through product fees, destroying 25% every three months. It’s like the platform periodically recycles and burns some “passes,” theoretically reducing the circulating supply.
Token Utility
The main use of PCL tokens is as a “key” to access PECULIUM platform services, and to provide rewards for users and stakeholders. Additionally, it’s used to pay various fees within the platform.
Team, Governance, and Funding
Team
The PECULIUM team is described as international, with members having extensive practical experience in finance, data science, automated machine learning, and blockchain. Their CEO is Rachid Oukhai. The team’s philosophy is to connect traditional savings with the digital asset world by combining blockchain, big data, and AI.
Funding
The project initially raised funds through an ICO to support future development, cover operating costs, and establish a reserve fund.
Roadmap
Here are some key milestones and events in PECULIUM’s history:
Historical Milestones
- November 1–22, 2017: Private Sale phase.
- November 27, 2017: Pre-ICO phase, lasted 5 hours.
- November 28, 2017 – January 19, 2018: ICO phase.
- March–July 2018: CCO (Continuous Coin Offering) issuance.
- Early July 2019: BELIΞVE product launched, and began quarterly burning of 25% of PCL tokens.
- SAIΞVE App: Developed as a digital asset wealth management platform.
As for future plans, there is currently no detailed timeline in public sources, but the team states they will continue to develop and optimize their services.
Common Risk Reminders
Investing in any cryptocurrency project comes with risks, and PECULIUM is no exception. Here are some common risks to be aware of:
Technical and Security Risks
- AI Decision Risk: Although AIEVE is designed to be smart and efficient, AI decisions are not infallible. The complexity and unpredictability of the market may lead to errors in AI judgment.
- Smart Contract Risk: While smart contracts execute automatically, if the code has vulnerabilities, it may be attacked or result in loss of funds.
- Platform Security Risk: Any online platform may face risks such as hacking and data breaches.
Economic Risks
- Market Volatility Risk: The crypto market is known for its extreme volatility, and the price of PCL tokens may fluctuate sharply.
- Liquidity Risk: According to some market data, the 24-hour trading volume of PCL tokens may be very low, even zero, meaning you may have difficulty quickly buying or selling large amounts of PCL tokens.
- Project Development Risk: If the project fails to develop as expected, or its products are not widely adopted, it may affect the value of the token.
Compliance and Operational Risks
- Regulatory Risk: Global regulatory policies for cryptocurrencies and AI-driven financial services are still evolving, and future policy changes may impact project operations.
- Information Transparency Risk: Although blockchain emphasizes transparency, users still need to assess the transparency of project operations and financial status themselves.
Please remember, the above information is for reference only and does not constitute investment advice. Always conduct your own independent research and risk assessment before making any investment decisions.
Verification Checklist
If you’re interested in the PECULIUM project, you can further verify the following information:
- Block Explorer Contract Addresses:
- Old (Ethereum ERC-20):
0x0f02e27745e3b6e9e1310d19469e2b5d7b5ec99a
- New (Binance Smart Chain BEP-20):
0x1dbdf52915875f749cbaeaaf515252455b623f6e
Through these addresses, you can view PCL token transaction records, holder counts, and more on Ethereum or Binance Smart Chain block explorers.
- Old (Ethereum ERC-20):
- Official Website:
https://peculium.io/
- Whitepaper: The official website usually has a whitepaper link, or you can try searching:
https://peculium.io/documentsorhttps://drive.google.com/file/d/0BwJ8L6bES0uca3k4Mk1SbGlMdVE/view
- GitHub Activity: Check if the project has a public code repository, and the frequency of code updates and community contributions, which reflects development activity.
- Social Media and Community: Follow the project’s official Twitter, Telegram, Medium, etc., to learn about the latest updates and community discussions.
Project Summary
In summary, the PECULIUM (old) project proposed a forward-looking concept around 2017: applying artificial intelligence and blockchain technology to traditional savings and crypto asset management. Through its AIEVE AI engine, it aims to provide users with a smart, transparent, and automated investment management platform, helping ordinary people better participate in the cryptocurrency market.
Technically, the project combines Ethereum smart contracts (later migrated to Binance Smart Chain) with advanced automated machine learning algorithms, and has developed multiple products to meet different user needs. The PCL token serves as the platform’s service pass and incentive mechanism, with supply managed through regular token burns.
However, current market data shows that PCL token trading activity and liquidity appear to be very low. This may mean the project faces development challenges, or its market influence has waned. For anyone interested in this project, it is strongly recommended to conduct thorough independent research, evaluating its current status, team activity, technical development, and market acceptance. Always remember, cryptocurrency investment is extremely risky, and this content does not constitute investment advice.