ROCKZ is stable, permanently backed by fiat and doesn’t have unnecessary counterparty, market or security risks. For every issued ROCKZ, 1 Swiss Franc is held by the ROCKZ company for the coin holders’ account. ROCKZ doesn’t fluctuate due to its direct link to Swiss Franc. Professional investors can use ROCKZ to diversify their risk portfolios during times of high volatility. Since the value of ROCKZ is stable it can be used for regular payments as simply as fiat currencies. Usually ROCKZ holders want to hold their wealth in cryptocurrencies, but they might still have some need for their assets to be in the regular financial system. In this case, they can request ROCKZ AG to issue guarantees in favor of financial institutions against a pledge of their holdings in ROCKZ. This allows ROCKZ holders to get credit and trust in the classic banking world.