The following document describes the system of Automatic Reserve Management (“ARM”) – a balancing of assets
between fiat currencies, cryptocurrencies and gold coins through an examination of protocols, mathematical context
of portfolio risk management and financial principles.
ARM is applied on X8 currency and was developed by ioNectar. ARM AI technology is a “black-box” operating since
2014. Overall, ARM is a product of 10 years of our work. It has been proven in real financial environment and produces
great results. X8 currency holds the exclusive license to operate ioNectar’s automatic reserve portfolio management
technology in crypto business.