Universal Wallet Payment System project with a total supply of 32,000,000,000 tokens:

1. Token Allocation Breakdown

• Public Sale (ICO/IDO): 30% (9.6 billion tokens)
• For raising capital, open to retail and institutional investors.
• Vesting schedule: Unlock a small percentage (e.g., 10%) immediately after the sale, with the rest vested over 12-24 months.
• Team & Advisors: 15% (4.8 billion tokens)
• Reserved for the founding team and key advisors.
• Vesting schedule: 6-12 month cliff, followed by a linear release over 2-3 years.
• Ecosystem Development: 20% (6.4 billion tokens)
• Used to support partnerships, developers, dApps building on your platform, and further ecosystem growth.
• Vesting schedule: Released over 3-4 years to ensure sustainable growth.
• Staking/Rewards: 15% (4.8 billion tokens)
• For staking rewards, user incentives, liquidity mining, and encouraging long-term holding.
• Released gradually to maintain liquidity over a 5-year period.
• Marketing & Community Incentives: 10% (3.2 billion tokens)
• Reserved for marketing campaigns, user growth programs, and community engagement rewards.
• Released according to milestones and marketing campaign needs.
• Reserves/Treasury: 7% (2.24 billion tokens)
• For long-term sustainability, emergency reserves, or future needs.
• Locked and unlocked only by governance voting.
• Liquidity Provision: 3% (960 million tokens)
• For creating liquidity on decentralized exchanges (DEXs) or centralized exchanges (CEXs).
• Distributed gradually to avoid market manipulation.

2. Utility of the Token

• Transaction Fees: Users can pay transaction fees within the Universal Wallet Payment System using the token.
• Governance: Token holders can participate in platform governance, voting on proposals for platform upgrades, new features, or ecosystem grants.
• Staking: Holders can stake their tokens to earn rewards, receive voting power, or secure the network.
• Discounts/Incentives: