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Founded in 2018, Concordium is the Layer-1 blockchain built for a new era of digital trust. Our name comes from the Latin concordia—meaning harmony and agreement—a reflection of our mission to build infrastructure that embeds trust, privacy, and compliance into every interaction. At the heart of Concordium is Smart Money: programmable digital assets with identity, policy controls, and compliance embedded at the protocol level. Smart Money enables frictionless digital interactions with security, automation, and regulatory certainty by design. Concordium was established by Lars Seier Christensen, founder of Saxo Bank, inspired by the recognition that blockchain’s full potential can only be realized if it works with regulation, not against it. That insight led to a new model of trust—one where decentralization and accountability can coexist. Backed by world-class cryptographic research and a global team with expertise across blockchain, finance, and compliance, Concordium delivers protocol-native features like zero- knowledge verification, programmable compliance, and privacy-preserving controls— empowering a smarter, more connected financial future.