Bridge-Directed Transfer Exemptions and Local Reserve Accounting in a Gas-Token Prototype

This report examines XMoney, a reserve-backed ERC-20 prototype that taxes ordinary transfers while exempting transfers into designated bridge addresses. Entry allocates part of the claim amount to a bridge buffer and pays retryable gas prepayment from the depositor's net claims. A fresh isolated build passed eighteen existing local tests, including a 256-run fuzz test. They support selected parent-side funding, reserve-ratio, withdrawal and parameter-bound properties under mocked underlying-token and bridge behavior. The mocks do not execute a child chain, verify withdrawal proofs or consume actual retryable gas. Official Arbitrum documentation excludes transfer-fee tokens from its custom-gas-token requirements, so these results do not establish supported production Orbit compatibility or general bridge solvency. Source inspection also shows repeatable owner-controlled bridge rewiring despite comments describing one-time configuration. The contribution is a reproducible, bounded account of funding and authority. Human agency, financial inclusion and evidence-based accountability guide evaluation; no social outcome or wrongdoing is established.Jarett Dunn. Technical report, version 1.0. Preprint, not peer reviewed. Codex assisted recovery, analysis, execution and writing. Empowerment, financial inclusion and evidence-based accountability guide the evaluation; social outcomes are not measured. The manuscript and new analysis are CC BY 4.0; archived software retains its original licenses.