# Smilek to the Bank (SMILEK): D-Score 29/100 — Centralized Leaning

**BlockIndex D-Score: 29/100 (Centralized Leaning).** Smilek to the Bank (SMILEK) is a Layer 2 cryptocurrency using Other consensus. Smilek to the Bank: BEP-20 community finance token with staking, governance ambitions, and BNB Smart Chain liquidity.

_Source: https://blockindex.ai/coin/smilek · Data by BlockIndex.AI · Updated 2026-06-19_

## D-Score breakdown (0-100, higher means more decentralized)
| Component | Score |
| --- | --- |
| Overall D-Score | 29 |
| Node distribution | 0 |
| Initial distribution | 0 |
| Governance | 25 |
| Age and history | 4 |
| Autonomy | 0 |

## Key facts
- Layer: Layer 2
- Consensus: Other (N/A)
- Launch: Other (2026)
- Founder: N/A
- VC funded: No
- Max supply: 2,008,932,945,814
- Circulating: 1,958,901,062,006 (97.5%)

## Market data (as of 2026-06-19)
- Price: $0
- Market cap: $97.85M
- 24h volume: $0.9
- 24h change: +0.01% · 7d change: -0.00%

## About
Smilek to the Bank (SMILEK) is a community-oriented cryptocurrency token positioned as a challenge to traditional finance and framed around alternative access, participation, and a playful brand identity. The supplied source data describes SMILEK as a movement rather than only a tradable asset, with messaging focused on financial inclusion, user participation, and community accountability. Founder identities, launch jurisdiction, corporate registration, and executive leadership are not provided, and the DScore extraction explicitly identifies no CEO, no company, and no venture-capital funding. The clearest project identity available from the data is the 2026 rebrand and migration from an older Solana token contract to the current BNB Smart Chain token contract.

Technically, SMILEK is documented as a smart-contract token rather than an independent blockchain. The current contract is listed on BNB Smart Chain at 0x4f9d3AdbfAF4579518b1Ca7E06468A363897B997, with BscScan used for current contract visibility and Solscan preserving the prior Solana contract reference. Because SMILEK is not a native chain, it does not have its own mining algorithm, validator set, block timing, blockchain size, or native consensus process. Its effective settlement and security model are inherited from BNB Smart Chain, while token-level functionality and user access are mediated through wallets, exchanges, and smart-contract infrastructure. The data also references a Coinsult Advanced Manual Audit dated February 26, 2026, reporting zero high-risk findings, zero medium-risk findings, two low-risk findings, and contract renouncement.

The project describes intended or associated use cases across staking, token locking, stablecoin minting and exchange, lending services for BINO and other tokens, fraud detection, identity verification, CBDC exploration, and Play-To-Earn market participation. These use cases suggest an ambition to operate as a broad digital-finance and participation token rather than a narrow meme or payment asset. Ecosystem visibility is supported through CoinMarketCap, CoinGecko, TradingView charting references, BscScan, Solscan, GitHub, MetaMask token import support, Telegram, X, Medium, and Instagram. Wallet support in the supplied data includes Ledger, Electrum, MEW, Trust Wallet, Coinbase Wallet, Argent, MetaMask, WalletConnect, Phantom, Nami, and Chrome-based wallet support.

Tokenomics are fixed-supply in the available materials, though supply figures conflict across sources. CoinMarketCap lists a maximum supply of about 2 trillion SMILEK and a circulating supply of 1.95 trillion, representing approximately 97.51% circulation, while CoinGecko and official-site figures differ materially. The DScore extraction indicates a fixed pre-issued token supply with 100% public initial percentage for the token deployment context and allocation categories including 30% community/public distribution, 15% ecosystem rewards, 15% development fund, 15% strategic partnerships and marketing, 10% liquidity provision, and 15% treasury reserve. No ICO raise amount, VC allocation, or ongoing block-reward developer tax is documented in the supplied data.

Governance is described as progressive decentralization, starting with a core team and gradually transitioning toward community governance and DAO-style mechanisms. The project materials reference community voting, mediation, token-holder accountability, quorum and supermajority requirements for major upgrades and treasury actions, governance guardrails, security monitoring, incident response readiness, and bug bounty programs. However, the supplied data also notes that parts of the DAO framework appear transitional or planned rather than fully mature, and many diligence details remain unavailable, including exact launch date, authoritative node count, precise legal status, detailed roadmap delivery, contract source-code specifics, and jurisdiction-specific regulatory classification.

## Links
- Website: https://www.smilektothebank.online/
- Whitepaper: N/A
- GitHub: https://github.com/smilekbank

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About the D-Score: BlockIndex.AI rates decentralization from 0 to 100 across node distribution, initial distribution, governance, age and history, and autonomy. Methodology: https://blockindex.ai/dscore