zBank — ISB Membership Admission and Operations Charter

---
guosmmDocumentId: GUOSMM-C-2026-003
title: "zBank — ISB Membership Admission and Operations Charter"
instrumentVersion: 1.2
language: en
publishedAt: 2026-07-01T20:00:00Z
effectiveAt: 2026-05-02T00:00:00Z
operationsCommencement: 2026-05-02T00:00:00Z
signingAuthority: Sovereign Military Order of Malta
licenseClass: entity.bank
licenseId: LICENSE-ZBANK-SHOSJJ-2026-001
---

# GAZZETTA UFFICIALE DELL'ORDINE SOVRANO MILITARE DI MALTA
# OFFICIAL GAZETTE OF THE SOVEREIGN MILITARY ORDER OF MALTA (GUOSMM)

| Field | Value |
|-------|-------|
| Document ID | `GUOSMM-C-2026-003` |
| Series | C |
| Document type | ISB Membership Admission and Operations Charter |
| Instrument version | 1.2 |
| Entity | zBank |
| License class | `entity.bank` |
| License ID | `LICENSE-ZBANK-SHOSJJ-2026-001` |
| Issuing delegate | `pack-dbis` |
| Prudential supervisor | `pack-omnl` |
| Fineract external ID | `ZBANK-OMNL` |
| Fineract office | 29 |
| Published | 2026-07-01T20:00:00Z |
| Operations commencement (nunc pro tunc) | 2026-05-02T00:00:00Z |
| Parent acts | `GUOSMM-A-2026-001`, `GUOSMM-A-2026-002`, `GUOSMM-A-2026-003`, `GUOSMM-B-2026-001`, `GUOSMM-B-2026-002`, `GUOSMM-C-2026-001`, `GUOSMM-C-2026-002` |

---

# zBank — ISB Membership Admission and Operations Charter

**Issuance:** Sovereign Military Order of Malta → SHOSJJ Licensing Authority (`GUOSMM-A-2026-002`) → delegate **pack-dbis** · supervisor **pack-omnl**

**ISB admission:** `GUOSMM-C-2026-001` Article 3 (Membership)

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## Shared standard terms (incorporated)

## Authority and issuance chain

**Official long name:** Sovereign Military Hospitaller Order of St John of Jerusalem of Rhodes and of Malta.

**Recognized designations (same sovereign authority):**
- **SMOM** — Sovereign Military Order of Malta
- **SHOSJJ** — Sovereign Hospitallers Order of St. John of Jerusalem (`GUOSMM-A-2026-003`)

SMOM and SHOSJJ are short forms of the **same** sovereign international legal personality under the official long name; GUOSMM uses all three forms interchangeably.

1. **Sovereign authority:** official long name (SMOM / SHOSJJ designations) — published in GUOSMM Tier 1.
2. **Monetary issuer:** **Treasury** issues **SCUDO** under `GUOSMM-A-2026-001`. **GRU** is **monetary policy** for the tokenized reserve basket (commodities, currencies, securities, …) — **not** the issuer. **OMNL is not the issuer.**
3. **License issuer:** **SHOSJJ Licensing Authority** under `GUOSMM-A-2026-002` — **OMNL is not the licensor.**
4. **OMNL EMCB** (`GUOSMM-B-2026-001`) — **EMCB institution of the Order**; domestic e-money chain only; **not DBIS**.
5. **DBIS** (`GUOSMM-C-2026-001`) — **Tripartite Sovereign Body** settling between **EMCBs and other central banks** within the **treatied nations of the Order**; completely apart from the OMNL chain. See `gazette/docs/MONETARY_ARCHITECTURE_CANONICAL_SCHEMA.md`.

**Canonical license identifiers** use the `-SHOSJJ-` suffix (e.g. `LICENSE-ZBANK-SHOSJJ-2026-001`). Fineract external IDs ending in `-OMNL` are operational routing aliases under OMNL supervision — not license issuance labels.

## Juridical form and seat

- **Legal form:** Order-chartered juridical person — supervised affiliate institution under OMNL head-office hierarchy.
- **Principal place of business:** Boulder, Colorado, United States of America (aligned with OMNL registered address for supervisory coherence).
- **Duration:** Perpetual unless revoked under Licensing Authority procedures.
- **Governing law:** Order law as published in GUOSMM.

## Dispute resolution and appeals

1. **Commercial and inter-institutional disputes** among Order-chartered parties arising under this Charter: **ICC Arbitration**, Paris seat, **ICC Rules 2021**, English language, one arbitrator unless the amount in dispute exceeds USD 500,000,000 (three arbitrators). The arbitral award is final; enforcement follows the **New York Convention** where applicable.
2. **Licensing and prudential appeals** (suspension, revocation, fit-and-pro

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