Proposal as pdf:https://ipnso-com.ipns.dweb.link/?cid=QmXD6eoaFWrRoubFfvB2vSmLGbhVa66DbM9xw2dH1htRYK

This proposal delivers three coordinated initiatives that together expand Cardano's economic models, strengthen long-term Treasury resilience, and remove one of the biggest barriers to mainstream adoption, the requirement to hold ADA before you can transact.

Each workstream targets a different dimension of this opportunity. First, CIP-159 Account Address Enhancement upgrades how Cardano handles account addresses. This enables wallets to collect micro-fees (currently blocked by a minimum deposit requirement), makes DeFi applications cheaper for end users, and provides building blocks for Layer 2 scaling solutions to manage user funds. Second, Multi-Asset Treasury begins the design work to let the Cardano Treasury hold stablecoins and other native assets alongside ADA, protecting the funding process from price volatility and opening new financial models for the ecosystem. Finally, Babel Fees lets users pay transaction fees in any Cardano native asset (such as USDC or bridged BTC) instead of requiring ADA, removing a key friction point for new users entering the ecosystem.

Together, these initiatives unlock new wallet and DeFi revenue models, strengthen the Treasury's financial position through asset diversification, and reduce friction for users entering Cardano's DeFi ecosystem, where cross-chain bridging alone represents an estimated $1–2 billion annual market. IO is collaborating with Ensurable Systems on delivery. Intersect administers funds via milestone-based smart contracts, with independent oversight, and any unspent funds will be returned to the Treasury.

Treasury Ask: ₳13,103,039