Introduction to The Reserve Bank (PENNIES) Coin

A Solana-based token called PENNIES, associated with a project called The Reserve Bank, has appeared on-chain with contract address 

9w9hxeZTurCtBY78ZG4PNawNyKkmSg6oi14Yc1j8pump and a current price of approximately $0.0000273, reflecting a 24-hour decline of 24.41%. 

The token's market cap stands at just $27,400 with $9,000 in liquidity and near-zero trading activity, placing it firmly in the micro-cap category with all the risks that entails. 

Importantly, this project shares no affiliation with the actual U.S. Federal Reserve, the Reserve Bank of Australia, or any other official central banking institution.

Key Takeaways

• PENNIES is a Solana-based token launched via Pump.fun with contract address 9w9hxeZTurCtBY78ZG4PNawNyKkmSg6oi14Yc1j8pump, a market cap of approximately $27,400, and no mint authority, meaning no new tokens can be created after deployment.

• The Reserve Bank project positions itself as a digital wallet and payment platform aligned with concepts from a body called the U.S. Interagency Accord Commission, however this entity is not verifiable as an official U.S. government institution, and no independently verified audit or team information is publicly available.

• The token has recorded zero buyers and zero sellers in recent trading sessions with only $16,200 in 24-hour volume at its peak, indicating extremely thin liquidity and near-total absence of active market participation.

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What is The Reserve Bank Project?

The Reserve Bank (PENNIES) describes itself as a secure digital wallet and financial platform designed for stable, transparent value exchange. 

According to its published materials, the platform is built around three interconnected components: Reserve Coin, standardized Denominations, and Treasury Securities, collectively called the Reserve Coin Series. 

The project claims alignment with U.S. government regulatory frameworks including those of the Federal Reserve and the Securities and Exchange Commission, though no official endorsement or recognition from any of these institutions has been independently verified.

The PENNIES token itself is positioned as the consumer-facing transactional asset within this framework, intended for everyday payments, peer-to-peer transfers, and merchant settlement. 

The broader Reserve Bank app is scheduled for release in Q2 2026 on both iOS and Android, meaning the platform has not yet launched any functional product at the time of writing. 

This places PENNIES squarely in the pre-product category alongside thousands of other early-stage Solana tokens.

Read also : What is American Dollar Reserve (ADR) Coin? An Introduction

PENNIES Narrative and Why It Matters

The choice of the PENNIES ticker is likely deliberate and tied to a significant real-world development in late 2025. 

The U.S. Treasury announced it would stop producing new pennies as part of an effort to reduce unnecessary government spending, with the U.S. Mint officially ceasing penny production in 2026 after more than 230 years of continuous minting. 

The last new coins were minted in November 2025, with production ending after nearly four cents was required to produce and distribute each one-cent coin.

This cultural moment, the death of the physical penny, provides a ready-made narrative hook for a crypto token positioning itself as the digital successor to small-denomination value exchange. 

Whether the project can execute on this narrative with a working product remains entirely unproven.

Read also : Where and How to Buy Vanguard Digital Reserve (VDR) Coin?

PENNIES Current Market Data and Risk Assessment

PENNIES is trading at approximately $0.0000273, down 24.41% in the past 24 hours. The token has no mint authority, which is a positive structural feature eliminating future dilution risk, and the blacklist status is listed as unknown, which means it cannot be confirmed whether the contract includes mechanisms to restrict wallet activity. 

The rug pull risk assessment from on-chain data shows negative, which means the liquidity has not been pulled, however $9,000 in total liquidity is an extremely thin buffer for any meaningful trading activity.

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Conclusion

The Reserve Bank app's claimed alignment with government-grade compliance standards is a significant and unverified assertion that prospective buyers should treat with caution until independently confirmed. 

No whitepaper with technical specifications, no publicly identified team members, and no confirmed regulatory filings have been located through independent research. 

Treat any position in PENNIES as a high-risk speculative allocation sized no larger than you are fully prepared to lose.

Read also : Where and How to Buy SCMR Coin?

FAQ

What is The Reserve Bank PENNIES coin?

A Solana-based token launched via Pump.fun, associated with a digital wallet project called The Reserve Bank, currently trading at approximately $0.0000273.

What is the contract address for PENNIES?

The contract address is 9w9hxeZTurCtBY78ZG4PNawNyKkmSg6oi14Yc1j8pump on the Solana network.

Is The Reserve Bank affiliated with the U.S. Federal Reserve?

No. The project claims alignment with U.S. regulatory frameworks but has no verified endorsement from any official government or central banking institution.

When will The Reserve Bank app launch?

The platform is scheduled for Q2 2026 release on iOS and Android, meaning no functional product exists at the time of writing.

Is PENNIES safe to buy?

It is a high-risk micro-cap token with $27,400 market cap, near-zero trading activity, no verified team, and no live product. Only allocate what you can afford to lose entirely.

Disclaimer: The views expressed belong exclusively to the author and do not reflect the views of this platform. This platform and its affiliates disclaim any responsibility for the accuracy or suitability of the information provided. It is for informational purposes only and not intended as financial or investment advice.