BCII Enterprises Inc. Launches Coupon Token System: 2% Mortgage Discounts for 46m Renters, Down-Payment Grants for Exercising Users, 10% Tax Relief for 175m Americans, and Corporate Token Buy-Ins Targeting Deficit Elimination in 18 Months

Rhea-AI Summary

SuperCom (NASDAQ: SPCB) won Germany's national electronic monitoring contract to deploy its PureSecurity Electronic Monitoring Suite across domestic violence monitoring, GPS offender tracking, home detention, and alcohol monitoring programs. The award displaces a more-than-20-year incumbent and is described as the company's ninth national selection for its domestic violence solution.

The total program budget is estimated at $7 million over up to 4 years, and actual revenue to SuperCom will depend on usage levels during the term.

Positive

• Awarded national German EM contract covering multiple programs
• Program budget of $7 million over up to 4 years
• Displaced over-20-year incumbent vendor in Germany
• Marks the 9th nation to select the company's domestic violence solution

Negative

• Revenue recognition is contingent on usage levels and not guaranteed
• Program budget ($7 million) may be limited relative to large-scale national programs

Key Figures

Program budget: $7 million Contract duration: up to 4 years National EM projects: over 15 +5 more

8 metrics

Program budget $7 million Total estimated budget for Germany EM program over contract term

Contract duration up to 4 years Stated period for Germany national electronic monitoring program

National EM projects over 15 SuperCom national electronic monitoring project wins across Europe in recent years

US contract wins more than 30 New SuperCom contracts in the U.S. in the past year

Tokens per client 300M tokens Modeled Coupon Token issuance per client on Base L2 from prior BCII release

BCII token allocation 30M tokens BCII’s 10% share per Coupon Token implementation from prior announcement

Year-1 platform revenue $2.45M Modeled Year‑1 platform revenue to BCII under stated scenarios

Pro forma net income $41.7M (EPS +$0.67) Example net income and EPS impact from Coupon Token adoption model

Market Reality Check

Price: $0.0139 Vol: Volume 178,888 is 1.16x t...

normal vol

$0.0139 Last Close

Volume Volume 178,888 is 1.16x the 20-day average of 153,842 shares. normal

Technical Price $0.01645 is trading above the 200-day MA at $0.01, after a prolonged decline from the $0.0369 52-week high.

Peers on Argus

Within Financial Services/Shell Companies, key peers were mostly flat with one n...

Within Financial Services/Shell Companies, key peers were mostly flat with one notable decliner (e.g., GMZP -20%), suggesting BCII’s setup is more stock-specific than part of a broad sector move.

Historical Context

2 past events · Latest: Nov 05 (Positive)

Pattern 2 events

Date	Event	Sentiment	Move	Catalyst
Nov 05	Strategic platform update	Positive	+7.6%	Detailed economics and earnings impact of tokenized dividend-coupon platform.
Oct 31	Joint venture deal	Positive	+4.1%	Announced 50/50 JV with Digital Landia to launch Coupon Token product.

Pattern Detected

Recent tokenization and JV announcements with Digital Landia saw positive price alignment, indicating prior market receptiveness to BCII’s Coupon Token narrative.

Recent Company History

Over the past months, BCII outlined a strategic transition toward a tokenized dividend-coupon platform via a 50/50 joint venture with Digital Landia. The October 2025-10-31 JV announcement and the November 2025-11-05 CEO strategic statement both emphasized the Coupon Token product, modeled revenues, and potential net income impact, with 24-hour reactions of +4.07% and +7.64%. This announcement continues that broader shift toward blockchain-based corporate finance, building on the same product family and economic structure highlighted in these prior releases.

Market Pulse Summary

This announcement highlights BCII’s broader strategy around tokenized coupon and dividend structures...

Analysis

This announcement highlights BCII’s broader strategy around tokenized coupon and dividend structures, building on prior joint venture and strategic statements that modeled $2.45M in Year‑1 platform revenue and $41.7M in pro forma net income. With the stock trading above its $0.01 200-day MA yet well below the $0.0369 52-week high, the key factors to watch include concrete client implementations, realized versus modeled economics, and how frequently the company can replicate token allocations such as 30M per implementation.

Key Terms

electronic monitoring, gps, rf, biometrics, +1 more

5 terms

electronic monitoring technical

"awarded the national electronic monitoring (EM) contract in Germany"

Electronic monitoring is the use of digital devices and software to collect, transmit and review real‑time data about people, equipment or processes for safety, compliance or performance — in medical and regulatory settings this often means remote patient tracking and electronic capture of trial or safety data. Investors care because it can speed decision‑making, cut costs and reduce regulatory risk by replacing paper records with a live dashboard, while introducing technology, privacy and compliance considerations.

gps technical

"including domestic violence monitoring, GPS tracking of offenders, home detention"

A global network of satellites and ground stations that provides precise location and time information to devices on Earth; think of it as a map and clock in the sky that tells a device exactly where and when it is. Investors care because GPS underpins navigation for shipping and delivery, fleet and asset tracking, location-based services, autonomous vehicles, and precise timing for financial networks—so changes in GPS technology, reliability, or competing systems can affect revenue, costs, and risk across many industries.

rf technical

"including advanced GPS and RF tracking, anti-tamper mechanisms, multi-factor"

rf (commonly written r_f) denotes the risk-free rate — the theoretical return on an investment with no chance of loss, often used as a baseline for valuing other assets. Investors use it like a yardstick: returns above this number compensate for extra risk, so it helps price stocks, bonds and option valuations and guides decisions about whether higher-return opportunities justify their added risk. Think of it as the safe deposit box interest rate against which riskier bets are measured.

biometrics medical

"anti-tamper mechanisms, multi-factor biometrics, secure communications, extensive"

Biometrics are measurable physical or behavioral traits—like fingerprints, facial features, voice patterns, heart rate or gait—that uniquely identify or monitor a person, similar to how a key or signature proves identity. Investors care because biometric technology drives products and services in security, payments and health monitoring, affecting revenue opportunities, adoption trends and regulatory or privacy risks that can influence a company’s value and future growth.

rfid technical

"all-in-one field-proven RFID & mobile technology and product suite, accompanied"

RFID, or Radio Frequency Identification, is a technology that uses radio waves to automatically identify and track objects, animals, or people. It involves small tags or chips that emit signals when scanned, similar to a barcode but without needing direct line-of-sight. For investors, RFID enhances supply chain efficiency and inventory management, potentially reducing costs and improving business operations.

AI-generated analysis. Not financial advice.

Patent-Pending Coupon Token Architecture Demonstrates Unprecedented Scalability Across Housing, Tax Policy, and Corporate Finance Creating Multi-Billion Dollar Revenue Opportunity for BCII

VERO BEACH, FL / ACCESS Newswire / December 9, 2025 / BCII Enterprises Inc. (OTCID:BCII) today announced detailed real-world applications of its patent-pending Coupon Token architecture, as set out in two research papers by co-founders Daniel Walsh and Joseph M. Salvani on their JD Unfiltered platform. These papers "Housing Affordability Crisis Solved!" and "The Coupon Token Revolution: How America Can Erase Its Debt and Build a Permanent Fiscal Surplus present specific, deployable designs that use Coupon Tokens to attack two core national challenges: housing affordability and the federal debt/deficit, while opening enormous new markets for BCII.

Unlike traditional policy proposals, these designs explicitly show how speculation, trading, and tokenization can be harnessed to fund solutions rather than drain public resources while driving multiple, scalable revenue streams for BCII.

MECHANISM 1: HOUSING AFFORDABILITY A TOKEN FOR 46 MILLION RENTERS

The Renter Coupon Token: 2% Mortgage Rate Discount + Conditional Down Payment Grant

Under the housing proposal, every one of America's 46 million renters is issued a single, high-value Coupon Token. The token carries an intrinsic benefit plus a conditional benefit:

Core Benefit: Permanent 2% Mortgage Rate Discount

• The token entitles its holder to a 2 percentage-point reduction on the mortgage interest rate.

• On a typical $300,000 mortgage, a reduction from 7% to 5% saves over $4,200 per year, or more than $126,000 over 30 years.

• This 2% discount is embedded in the token itself and travels with it through any ownership or trading.

Conditional Benefit: 40% Federal Down Payment Grant (Up to $24,000) Only Upon Exercise

• The token also unlocks a one-time federal down payment grant equal to 40% of the buyer's down payment, capped at $24,000.

• Critical distinction: This grant is only available to the person who exercises the token to purchase a home.

• If a renter sells their token to another party before exercising it, the grant benefit is permanently forfeited for that token.

• If a renter exercises the token to buy a home, they receive:

• The 2% mortgage rate discount for the life of the loan, AND

• A 40% down payment grant on that purchase (up to $24,000).

The Strategic Market Incentive

This design creates a critical market dynamic:

• A renter who plans to buy a home soon has a strong incentive to hold and exercise their token, unlocking both the 2% discount AND the full $24,000 down payment match.

• A renter who is not ready to buy or does not plan to buy has a strong incentive to sell their token in the open market, converting the present value of the 2% discount into immediate cash.

The buyer of the token on the secondary market acquires only the 2% rate discount feature. The down payment grant has been surrendered and is gone. This means:

• Secondary market token prices reflect only the present value of the 2% rate reduction, not the full value of the grant.

• Tokens trading on the secondary market are worth less than freshly issued tokens (because the grant benefit is no longer available).

• This price differential between original-issue tokens (with grant option) and secondary-market tokens (grant forfeited) is what incentivizes renters who will actually buy to hold their tokens and participate in the program.

Example Scenarios

Scenario 1: Renter Exercises Token

• Renter receives token with 2% discount + $24,000 grant option embedded.

• Renter holds the token for 2 years, saves for a down payment.

• Renter buys a $280,000 home with a $35,000 down payment.

• Upon purchase, renter receives:

• 2% rate discount on the $245,000 mortgage ($4,900/year savings).

• 40% down payment match = $14,000 (40% of $35,000, capped at $24,000).

• Total upfront benefit: $14,000 federal grant + $126,000+ in interest savings over the loan.

Scenario 2: Renter Sells Token

• Renter receives token but faces unexpected expenses or decides not to buy.

• Renter sells token to an investor or another prospective buyer on a secondary market at a discounted price (reflecting loss of grant).

• Renter receives immediate cash (e.g., $8,000, reflecting only the present value of future 2% savings).

• New token holder exercises the token to buy a home.

• New token holder receives:

• The 2% rate discount (grant option is gone because token was transferred).

• No down payment grant (this benefit was forfeited when the original holder sold).

Tradeable, Transferable, Speculative Not a Static Voucher

The housing Coupon Token is:

• Freely tradeable: It can be sold to anyone another renter, a prospective buyer, or an investor.

• Transferable: Whoever holds the token at the time of home purchase can exercise its benefits.

• Speculative: Its value in the market reflects the present value of the 2% rate discount (reduced value on secondary markets, since the grant has been surrendered).

The Speculation Engine Funds the Program

Each trade of these tokens carries a small transaction tax or protocol fee, collected programmatically. As trading volume grows:

• Transaction fees recycle capital back into the housing fund.

• The program becomes self-funding its costs effectively underwritten by speculative trading activity rather than requiring perpetual new appropriations.

The model in the JD Unfiltered paper shows this design can enable 15- 20 million renters roughly one-third to nearly half of renter house holds to become first-time homeowners within 5-7 years, while actually improving federal fiscal metrics over time.

MECHANISM 2: FEDERAL DEBT & DEFICIT TAX RELIEF TOKENS FOR INDIVIDUALS, PURCHASED TOKENS FOR CORPORATIONS

Universal Tax Relief for Individuals: 175 Million Filers Receive Tokens

The federal tax proposal issues Coupon Tokens to all 175 million individual tax filers. Each individual token provides:

• A permanent 10% reduction in federal income and payroll taxes,

• Activation starting 5 years from the date of issuance.

Individual filers are granted one token each, which they can:

• Hold and exercise once the 5-year period elapses, locking in ongoing 10% savings; or

• Sell on the open market to other taxpayers or investors, converting future tax relief into immediate liquidity.

Corporations Must Purchase Their Tokens

In contrast to individuals, corporations are not given tax-relief tokens for free. Instead:

• Corporations must purchase their Coupon Tokens either:

• Directly from the government/Treasury in primary offerings or auctions, or

• On the secondary market from existing holders and investors.

• Each corporate token entitles the holder to a permanent 10% reduction in federal corporate income tax, also starting 5 years from issuance.

This distinction is critical:

• For individuals, tokens are a universal benefit and financial asset.

• For corporations, tokens represent an investment decision they must allocate capital up front to secure long-term tax savings and competitive advantage.

The upfront proceeds from corporate token sales provide the federal government with significant immediate revenue, even before the 10% discounts become active.

How This Eliminates the Deficit and Debt Burden

The JD Unfiltered debt paper models the following dynamics:

Years 1-4 (Pre-Activation Phase):

• Individual filers hold or trade their tokens; corporations buy tokens in auctions and secondary markets.

• Trading volume across individual and corporate tokens generates substantial transaction tax revenue.

• Primary sales of corporate tokens bring in large upfront cash flows to the Treasury.

• During this period, no tax rate reduction has yet taken effect; government still collects taxes at current rates.

Year 5 and Beyond (Activation Phase):

• The 10% tax relief becomes permanent for all token holders individual and corporate.

• While headline tax rates are effectively reduced, the paper shows the combination of:

• Economic stimulus from higher after-tax income and profits,

• Savings from lower borrowing needs, and

• Ongoing transaction-tax revenue from active token markets,

results in:

• Elimination of the federal deficit in roughly 1.5 years, and

• Progressive reduction in the national debt,

• Eventual elimination of the government's projected $1.2 trillion annual interest expense,

• Transition of the United States from a debtor nation to a net creditor nation over time.

Again, speculation and trading are not a bug they are the funding engine. The design transforms future tax obligations into a liquid asset class that investors actively trade, with a portion of that activity continuously monetized for public benefit.

BCII ENTERPRISES: REVENUE STREAMS FROM HOUSING, TAX, AND CORPORATE MARKETS

BCII's patent-pending Coupon Token architecture underpins all of these programs. Across housing, tax policy, and corporate deployments, BCII benefits from multiple powerful revenue streams.

1. Token Allocation Balance Sheet Asset Growth

Under typical structures, BCII receives up to 10% of each program's total token issuance as part of its licensing and IP contribution.

- Housing Program:

• 46 million renter tokens issued

• BCII allocation: approximately 4.6 million tokens

• At conservative valuation ($5-$15 per token, reflecting present value of 2% discount): $23$69 million in digital assets

• Via mark-to-market accounting: $23-$69 million in balance sheet appreciation

- Tax Relief Program:

• 175 million individual tokens issued

• Corporate tokens issued and sold (with BCII participation)

• BCII allocation: approximately 17.5 million individual tokens + share of corporate tokens

• At conservative valuation ($50-$150 per token, reflecting 5-year discounted tax savings): $875 million$2.6 billion in digital assets

• Via mark-to-market accounting: $875 million $2.6 billion in balance sheet appreciation

Total Token Asset Allocation Impact: ~$900 million $2.7 billion in Year 1 balance sheet appreciation

2. Transaction Fees Recurring Revenue from Trading Velocity

Every on-chain trade of a Coupon Token carries:

• A protocol-level transaction fee, and/or

• A share of any statutory transaction tax routed to BCII under its platform and servicing agreements.

Given the speculative nature of these instruments and the massive addressable base (46 million renters, 175 million filers, thousands of corporations), the annual trading volume can be enormous.

• Housing Token Trading:

• Estimated annual trading volume: 35x the initial token supply

• 46 million tokens 4x velocity average price ($10) = ~$1.84 billion in notional volume

• At 0.035% transaction fee: ~$645,000 per year

• Scaled across multiple housing programs: $50-$150 million annually

• Tax Relief Token Trading:

• Estimated annual trading volume: 23x the initial token supply (corporate + individual tokens)

• 175 million individual tokens + significant corporate issuance 2.5x velocity average price ($100) = ~$44+ billion in notional volume

• At 0.035% transaction fee: ~$15.4 million per year

• Scaled with high-velocity corporate participation: $500 million $1.5 billion annually

Total Recurring Transaction Fee Revenue: ~$550 million $1.65 billion annually

3. Platform, Infrastructure, and Licensing Fees (SaaS Model)

BCII's Coupon Token architecture provides:

• Token issuance and lifecycle management,

• Compliance and identity integrations,

• Settlement and reporting infrastructure,

• APIs for government agencies, Treasury, and corporate participants.

For this, BCII charges:

• One-time implementation fees for each large program (housing, federal tax, state programs, large corporate issuers): $50$500 million per major deployment,

• Ongoing platform/SaaS fees based on volume, number of users, and advanced feature sets: $100-$500 million annually.

Total SaaS & Licensing Revenue: ~$150-$750 million annually

4. Corporate Coupon Token Programs (Beyond Tax Relief)

Separate from federal tax tokens, corporations can also deploy Coupon Tokens for:

• Customer incentives and loyalty (discount tokens, rewards),

• Digital dividends and shareholder rewards,

• Short-seller defense mechanisms (forcing delivery via on-chain entitlements).

In these cases, corporations buy or fund the initial token pool and pay BCII for:

• Technology licensing,

• Program operation,

• Integration and analytics.

And BCII participates in token allocations and transaction-based fees.

MULTIPLICITY OF MARKETS FOR COUPON TOKEN

The two JD Unfiltered examples housing and federal debt demonstrate flexibility, not limits. Coupon Token architecture can be extended to:

• State and municipal housing and tax programs,

• Healthcare subsidies and insurance credits,

• Student debt restructuring and education incentives,

• Energy transition incentives (grid credits, EV subsidies),

• Corporate ESG and employee-ownership schemes.

In each case, BCII's role is the same: provide the core tokenization infrastructure, IP, and rails that turn future obligations public or private into liquid, tradeable asset classes.

CEO STATEMENT

"The key insight in these JD Unfiltered papers is simple but radical," said Joseph M. Salvani, CEO of BCII Enterprises Inc. "You can take a future obligation whether it's a housing subsidy, a tax bill, or a corporate liability and, through Coupon Token, transform it into a tradeable asset that markets will price, trade, and fund.

For renters, that means a 2% mortgage discount embedded in a token, plus a $24,000 down payment grant if they exercise it to buy a home. If they sell that token to someone else, they've monetized their benefit; the buyer gets the 2% discount but the grant is gone. This creates powerful incentives for the housing program to work while generating massive trading volume.

For individuals, it means a permanent 10% tax cut five years from now. For corporations, it means the ability to purchase tokens that permanently reduce their tax burden. For the federal government, it means turning an unsustainable deficit and interest bill into a path toward surplus and creditor status.

For BCII, it means becoming the infrastructure layer for this entire transformation earning revenues from token allocation, trading velocity, and platform licensing across multiple trillion-dollar markets.

ABOUT BCII ENTERPRISES INC.

BCII Enterprises Inc. (OTCID:BCII) is a blockchain-focused financial technology company developing and commercializing its patent-pending Coupon Token architecture. BCII's mission is to transform static liabilities and tax obligations into dynamic, tradeable digital assets that benefit individuals, corporations, and governments alike.

ABOUT JD UNFILTERED

JD Unfiltered is the research and thought-leadership platform of Daniel Walsh and Joseph M. Salvani, co-founders of BCII. It presents detailed, economically grounded blueprints for using Coupon Tokens to solve systemic challenges in housing, taxation, and public finance.

FORWARD-LOOKING STATEMENTS

This press release contains forward-looking statements regarding potential economic impacts, program structures, and BCII's future revenues and valuation. These statements are based on current models and assumptions and are subject to significant risks and uncertainties, including regulatory approvals, political will, market adoption, technological execution, and macroeconomic conditions. Actual outcomes may differ materially.

Media & Investor Contact:

BCII Enterprises Inc.
investor@bcii.com

Investor contact: Stuart Fine stuart@remergify.com

SOURCE: BCII Enterprises Inc.

View the original press release on ACCESS Newswire

FAQ

What did SuperCom (SPCB) win in Germany on September 22, 2025?

SuperCom won a national electronic monitoring contract to deploy its PureSecurity suite across multiple programs, including domestic violence monitoring.

How large is the German EM program awarded to SuperCom (SPCB)?

The program budget is estimated at $7 million over a term of up to 4 years.

Does the $7 million German contract guarantee revenue for SuperCom (SPCB)?

No; the company said actual revenues will depend on usage levels throughout the contract term.

Why is the Germany award significant for SuperCom (SPCB)?

It displaces a vendor that had supplied Germany for over 20 years and is cited as the company's ninth national selection for its domestic violence solution.

Which programs will SuperCom's PureSecurity support under the German contract?

The suite will support domestic violence monitoring, GPS offender tracking, home detention monitoring, and alcohol monitoring.