The URMEVerse Ecosystem and CBF Bank & Trust...
The World's First Asset Fusion Bank creating a new way to Money.
Piety PayChain – The Future of Payroll, Loans & Point of Sales
Payroll. Reimagined as Freedom
The URMEverse isn’t just payroll — it’s a complete reimagining of money flow. With Piety PayChain, you’re not only free from the tax-and-usury trap, you’re empowered by the Prosperity Advance to access credit that grows instead of drains. Add to that our Point of Sale system, built to eliminate costly processing fees and stretch every dollar of profit. Together, these tools turn paychecks into assets, payments into savings, and business into abundance — because in the URMEverse, it’s YOUR money.
Why Choose Prosperity Advance over Usury Loans?
Traditional Loans (Usury)
- ❌ Interest eats away at your profit.
- ❌ Debt compounds over time, creating burden.
- ❌ Payments flow out of your pocket into the bank’s.
- ❌ Value decreases as dollars lose purchasing power.
- ❌ Designed to control and extract, not empower.
Prosperity Advance (Piety)
- ✅ 0% Interest — no usury, ever.
- ✅ Each payment circulates back into the URME ecosystem.
- ✅ PIETY grows in value as more members join and transact.
- ✅ Employers save, employees earn more, community thrives.
- ✅ Built to multiply wealth under Common Law & God’s Law.
With Prosperity Advance, your credit doesn’t drain you — it fuels you. Every repayment is an investment back into your future.
Employer Benefits
For employers, this means no more endless payroll taxes or forced burdens. Instead, we provide competitive options for workers’ compensation, health, and dental coverage that meet real needs without funneling money into the system. For employees, it means keeping every dollar they earn, while receiving benefits through a sovereign, community-powered framework.
Payroll and Beyond
All of this rests on one timeless principle: all taxes are a form of control, extracted under the threat of compliance. In the URMEverse, every payment made outside the PayChain is voluntary and by free will — never by coercion.
Get Paid. Keep 100%.
The URMEverse Piety PayChain lets employees reclaim their full paycheck and helps employers lower labor costs—by moving payroll into a sovereign, closed-loop system powered by the PIETY Token.
How It Works
Opt out of the old system
AMs operate under a private membership framework and no longer have forced wage withholding in the public system.
Get paid in PIETY
Compensation is delivered to the URME wallet in asset-backed PIETY Tokens that circulate inside the URMEverse.
Share the savings
Employees agree to a simple 5% service discount to cover PayChain function—typically offset by ecosystem perks and token upside.
Note: Participation occurs within a Private Membership Association (PMA). Nothing herein is financial, tax, or legal advice.
Why Employees Love It
100% in your pocket
No public payroll withholding; value deposits directly to your wallet.
- Instant wallet access + tools to stretch each paycheck.
- $50–$250 in PIETY included depending on AM plan.
- Ecosystem perks, loyalty rewards, and community discounts.
Income that works for you
PIETY functions inside a value-preserving closed loop, designed for practical utility.
- Use PIETY across URME merchants and services.
- Optional affiliate pathway to earn by enrolling others.
- Upgrade to sovereignty tools (trusts, status, asset fusion) in AM Plan 3.
Why Employers Love It
Lower labor costs
Reduce or eliminate public payroll matching and related burdens when operating inside the PMA framework.
- Employees keep more—retention and morale improve.
- Closed-loop settlement reduces external processing fees.
- Analytics and reporting through BA Growth/Enterprise plans.
Aligned incentives
Savings can be shared to reward performance and adoption.
- Plan 2 option: +5% employer contribution & URME +5% in PIETY to employees.
- Plan 3: accept PIETY for payments; eliminate card fees; 25% of 8.75% members tax recycles back to the business.
- Marketing and adoption playbooks included for BA plans.
The 5% Service Discount (Why It Exists)
Simple & transparent
Employees agree to discount services by 5% in exchange for 100% paycheck flow and ecosystem access.
Offset by real value
Wallet tools, closed-loop savings, and PIETY allocations typically make up the 5% quickly.
Compounding benefits
As more of your spending moves inside URME, benefits stack—lower friction, fewer fees, more loyalty rewards.
Reminder: Examples are illustrative; participation and outcomes vary. Always review your membership agreements.
Ready to Join the Piety PayChain?
Employees enroll as Associate Members. Businesses enroll as Business Affiliates. Together, you keep value where it belongs—inside your community.
This page is informational, shared within a Private Membership Association. Not financial, tax, or legal advice.
Piety PayChain — The Future of Payroll & Point of Sales
Soon, businesses will be able to accept payments directly in PIETY at the register and online. This next phase eliminates costly card fees, reduces exposure to sales-tax friction, and turns every sale into a loyalty engine inside the URMEverse.
United in a Private Express Trust, these partners anchor the assets of the URMEverse.
