Cypherium is a layer-1 blockchain protocol designed to provide financial inclusion for its users and operational efficiencies for its enterprise and institutional partners. It utilizes a hybrid consensus mechanism to achieve commercial viability while preserving the characteristics of decentralization and distributed ledger technology (DLT).nnCypherium's Digital Currency Interoperability Framework (DCIF) is the foundation for its financial inclusion model, allowing any asset, such as Central Bank Digital Currencies (CBDCs), stable coins, and digital assets, to be received or distributed on-chain or cross-ledger. This framework can be integrated with payment service providers, banks, and digital wallets.