Telcoin (TEL): D-Score 24/100 — Centralized Leaning BlockIndex D-Score: 24/100 (Centralized Leaning). Telcoin (TEL) is a Layer 2 cryptocurrency using Other consensus. Telcoin (TEL): Payments-focused ERC‑20 token bridging mobile money, regulated banking and on‑chain stablecoins via Telcoin Wallet. Source: https://blockindex.ai/coin/tel · Data by BlockIndex.AI · Updated 2026-06-19 D-Score breakdown (0-100, higher means more decentralized) Component: Score: Overall D-Score: 24: Node distribution: 0: Initial distribution: 0: Governance: 11: Age and history: 13: Autonomy: 0: Key facts - Layer: Layer 2 - Consensus: Other (N/A) - Launch: Other (2017) - Founder: Paul Neuner - VC funded: Yes - Max supply: 100,000,000,000 - Circulating: 96,074,246,575 (96.1%) Market data (as of 2026-06-19) - Price: $0 - Market cap: $233.49M - 24h volume: $792,153.57 - 24h change: -0.06% · 7d change: -1.04% About Telcoin (TEL) is a payments-focused crypto project that positions itself at the intersection of mobile telecommunications, regulated financial infrastructure, and on‑chain settlement. Launched as an ERC-20 token in 2017, TEL was designed to serve as the native token for the Telcoin Platform and as gas/utility currency for the Telcoin Network initiative. The project’s mission is to enable low-cost, near-instant remittances by leveraging partnerships with mobile network operators (MNOs) and mobile-money providers, while progressively integrating regulated banking rails and bank-issued stablecoins. Over time Telcoin has evolved from a pure remittance token into a regulated fintech stack, with explicit strategy to issue an on‑chain bank-backed stablecoin (eUSD / Digital Cash) and to operate a state‑chartered digital asset bank in the United States. Technically, Telcoin today exists primarily as an ERC-20 token on Ethereum with tooling and product integrations that span multiple chains (notably Polygon for swap functionality inside the Telcoin Wallet). The team has documented plans for a separate EVM‑compatible Telcoin Network intended to be secured by a consortium of GSMA member mobile network operators — an architecture that, if realized, would create a native public chain with Telcoin as its gas or utility token. In the short term the project relies on standard Ethereum infrastructure (Etherscan, MetaMask, MEW, and other wallets) and decentralized exchange routes (Polygon swaps and DEX liquidity) for token transfers and user interactions. Production-grade product work includes Telcoin Wallet V4.0 and a suite of compliance and audit activities (SOC 2 Type I, penetration testing and smart-contract audits) that emphasize enterprise and regulated‑sector readiness. Telcoin’s primary use cases focus on remittances, mobile-first payments, and regulated on‑chain banking rails. The project targets corridors where mobile money penetration is high and traditional banking infrastructure is limited, enabling on‑chain settlement to integrate with existing mobile money ecosystems. Telcoin’s partnerships — including engagement with GSMA and telecom operators — are intended to enhance distribution, on‑ramp/off‑ramp coverage and MNO-led adoption channels. Commercially, the roadmap has shifted toward a hybrid model: the Telcoin Association (a Swiss non‑profit) provides governance oversight while the Telcoin Digital Asset Bank (a state‑chartered U.S. entity) executes regulated banking functions, including custody and issuance of eUSD. This dual track seeks to combine regulatory approvals and banking-grade controls with blockchain settlement to reach mainstream users. Tokenomics are straightforward and explicitly communicated in market snapshots: TEL has a maximum supply of 100,000,000,000 tokens with approximately 91,007,371,550 in circulation per the provided snapshots (~91.0% circulating). The token has been distributed across markets and holders (approx. 98k holders per listings) with no detailed premine or PIP figures disclosed in the supplied materials; publicly available sources included in this summary do not specify a premine percentage or initial public allocation breakdown. Market metrics noted in the combined sources show live prices in the low‑mill fractions of a dollar, an all‑time high in May 2021 (~$0.0649) and an all‑time low in March 2020 (~$0.00006516). Recent corporate milestones — including a multi‑million dollar pre‑Series A capital raise to seed the Telcoin Digital Asset Bank and the grant of a Nebraska Digital Asset Depository Institution charter — materially change the project’s risk profile by coupling token economics with regulated banking capabilities. Governance and organizational structure are anchored by the Telcoin Association, a Swiss non‑profit that oversees platform governance and development priorities; Telcoin’s executive leadership is public-facing, and Paul Neuner is listed as Founder and CEO in aggregator sources. The project also operates with corporate and regulatory entities (Telcoin Digital Asset Bank in the U.S., payment institution registrations in Singapore), reflecting a deliberate strategy to marry decentralized token infrastructure with regulated financial services. On-chain governance mechanics (token‑based voting, an on‑chain DAO) are not described in the provided sources, and development artifacts such as GitHub links and full technical specifications for the Telcoin Network were not included in the supplied dataset. Looking ahead, Telcoin’s growth depends on execution: rolling out the Telcoin Bank, delivering eUSD at scale, and deepening MNO partnerships while maintaining compliance and audited security posture. Links - Website: https://www.telcoin.org/ - Whitepaper: N/A - GitHub: N/A --- 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