Exhibit 10.18

                             STOCK PLEDGE AGREEMENT

     THIS STOCK PLEDGE  AGREEMENT  (this  "Agreement") is entered into effective
the ____ day of _______________,  2001, by and among Schimatic Cash Transactions
Network.com,  Inc., a corporation  duly organized and existing under the laws of
the state of Florida ("Pledgor"), and [_______________________________________],
the holder of a Limited  Recourse  Convertible  Promissory Note in the principal
amount of $[__________], (the "Secured Party"), issued as part of a series of up
to  $1,500,000 in aggregate  principal  amount of Limited  Recourse  Convertible
Promissory Notes (the "Notes").

                                   WITNESSETH:

     WHEREAS,  Pledgor  has issued the Notes and wishes to secure the payment of
the  indebtedness  evidenced  by the  Notes  and any  promissory  note  taken in
renewal, exchange or substitution thereof or therefor, including interest on all
of the foregoing and all costs of collecting the same and Pledgor's  obligations
and  liabilities  under  this  Agreement  (together  with  the  Notes  and  this
Agreement,  the  "Documents")  however  created,  arising or evidenced,  whether
direct or  indirect,  primary or  secondary,  absolute or  contingent,  joint or
several,  or now or  hereafter  existing,  or due or to  become  due (all of the
obligations  and  liabilities  described in the  preceding  clauses being herein
collectively called the "Liabilities").

                                    AGREEMENT

     NOW,  THEREFORE,  in  consideration  of the  premises  and  of  the  mutual
covenants  herein  contained  and of the  direct  and  indirect  benefits  to be
received by Pledgor as a result of the  foregoing,  the parties  hereto agree as
follows:

         1.       Grant of Security Interest.
                  --------------------------

               (a) As collateral  security for the due and punctual  performance
          and payment of all the Liabilities, Pledgor hereby delivers to Secured
          Party and grants to Secured  Party a continuing  security  interest in
          that  number of shares  of  Pledgor's  restricted  common  stock  (the
          "Collateral") equivalent to the principal amount of the Note set forth
          above  divided  by  $_____,  or  [__________]  shares,   evidenced  by
          certificate  number _________ ___ representing  such shares registered
          in the name of Pledgor (the "Certificate"),  accompanied by a separate
          stock power and an irrevocable  letter of instruction to the Pledgor's
          stock transfer agent,  instructing that upon Secured Party's tender of
          the Certificate and related stock power accompanied by an affidavit of
          Secured Party evidencing  Pledgor's default,  the stock transfer agent
          shall issue a certificate  in the name of Secured Party for the number
          of shares of Pledgor's  common stock determined in accordance with the
          foregoing  calculation.  As interest  accrues on the Note at a rate of
          20% per month as provided therein, Pledgor shall be entitled to retain
          that number of shares that is equal to such accrued  interest  divided
          by the lesser of (i) the Market Price (as defined below) per share for
          such  common  stock as of the last day on which  the  common  stock is
          traded  during the month for which such interest is due or (ii) $____.
          For purposes hereof, "Market Price" shall mean the closing sales price
          for the common  stock as quoted on a  registered  national  securities
          exchange  or, if not listed on a national  exchange,  the Nasdaq Stock
          Market,  or, if not  listed on such an  exchange  or  included  on the
          Nasdaq Stock Market,  the closing sales price on the  over-the-counter
          market,  or, if not traded on any of the  foregoing,  as determined by
          the  board  of  directors   through  any  other   reliable   means  of
          determination  available. If, as a result of the foregoing, the number

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          of shares of common  stock  retained  as  Collateral  is less than the
          remaining  unpaid  principal  balance of the Note,  plus  interest  to
          accrue  for the next  succeeding  month  divided  by  $0.10,  upon the
          written request of Secured Party,  Pledgor shall promptly,  but in any
          event within five business days,  deliver one or more certificates for
          such number of additional  shares of common stock as shall be required
          in accordance with the foregoing calculation.

               (b) The security  interest  granted to Secured Party hereunder is
          given to secure  payment  of the Note,  as may be  hereafter  amended,
          supplemented,   renewed,  extended  and/or  modified,  payable  as  to
          principal and interest as therein provided.

               (c) The pledge of the stock as security as described  above shall
          be subject to the following:

                    (i) During the term of this Agreement,  and so long as there
               shall not be an Event of Default (hereinafter defined) under this
               Agreement or the Note,  Secured Party shall not have the right to
               vote the  pledged  shares on any matters  submitted  to a vote of
               stockholders.

                    (ii) In the event that,  during the term of this  Agreement,
               any reclassification, readjustment or other change is declared or
               made in the capital  structure of the corporation  whose stock is
               pledged, all such new, substituted and additional shares or other
               securities issued by reason of any such change shall be issued in
               the name of Pledgor and held by Secured  Party under the terms of
               this  Agreement  in the  same  manner  as  the  shares  of  stock
               originally pledged hereunder.

                    (iii) Upon the  occurrence  of an Event of Default,  Secured
               Party shall have the right to execute upon the security  interest
               granted  hereunder  and, in connection  therewith,  cause to have
               that number of shares of common stock to which  Secured  Party is
               entitled as determined in accordance  with this Agreement  issued
               in the name of Secured Party. Pledgor shall provide Secured Party
               an irrevocable letter of instruction to the stock transfer agent,
               instructing  that upon Secured  Party's tender of the Certificate
               and related  stock power  accompanied  by an affidavit of Secured
               Party  evidencing  Pledgor's  default,  the stock  transfer agent
               shall issue a  certificate  in the name of Secured  Party for the
               number  of  shares  of  Pledgor's   common  stock  determined  in
               accordance  with  the  foregoing   calculation.   Upon  any  such
               execution  on the  Collateral  pursuant  to  the  terms  of  this
               paragraph,  Secured  Party shall have all rights  appurtenant  to
               ownership of common stock of Pledgor, including the right to vote
               such stock.

                    (iv) At such time as Pledgor's  obligations to Secured Party
               under the Note are fully satisfied,  Secured Party shall cause to
               be delivered to Pledgor the  Certificate and related stock powers
               and shall  execute  all  documents  necessary  to  terminate  the
               pledge.

     2.  Representations  and Warranties of Pledgor. As an inducement to Secured
Party  to  enter  into  this  Agreement  and  to  consummate  the   transactions
contemplated hereby, Pledgor represents, covenants and warrants to Secured Party
and agrees as follows:

          (a) Pledgor is a corporation duly organized,  validly existing, and in
     good  standing  under  the laws of  Florida  and has the  power and is duly
     authorized,  qualified,  franchised and licensed under all applicable laws,
     regulations,  ordinances  and orders of public  authorities  to own all its
     properties and assets and to carry on its business in all material respects
     as it is now being conducted,  including  qualification to do business as a
     foreign  corporation  in the states in which the  character and location of
     the  assets  owned by it or the  nature of the  business  transacted  by it
     requires  qualification,  except to the  extent  the  failure to so qualify
     would  not  materially  and  adversely  affect  the  business,  operations,
     properties, assets or condition of Pledgor.

          (b) Pledgor  has taken all action  required  by law,  its  articles of
     incorporation,  its bylaws,  or otherwise to authorize  the  execution  and
     delivery of this Agreement and the consummation of the transactions  herein
     contemplated.  Pledgor has full power and authority to execute, deliver and
     perform the Note and this Agreement. This Agreement is the legal, valid and
     binding agreement of Pledgor, enforceable between the parties in accordance
     with its terms,  except as such  enforcement  may be limited by bankruptcy,
     insolvency  or  other  laws  affecting  enforcement  of  creditors'  rights
     generally and by general  principles of equity.  The execution and delivery
     of this  Agreement  does  not,  and the  consummation  of the  transactions
     contemplated  by this  Agreement in  accordance  with the terms hereof will
     not, violate any provision of Pledgor's articles of incorporation or bylaws
     or violate, conflict with or result in a breach of the terms, conditions or
     provisions  of, or constitute a default,  an Event of Default,  or an event
     creating rights of  acceleration,  termination or cancellation or a loss of
     rights under,  or result in the creation or  imposition of any  encumbrance
     upon any of the  Collateral,  under any other  material  note,  instrument,
     agreement,   mortgage,   lease,   license,   franchise,   permit  or  other
     authorization,  right, restriction or obligation to which Pledgor or any of
     the Collateral is subject or by which Pledgor is bound.

          (c) Pledgor has made no other or prior pledges of the  Collateral.  No
     Uniform Commercial Code financing  statement covering any of the Collateral
     is on file in any public office other than the security interest created by
     this Agreement. All information with respect to the Collateral set forth in
     any  schedule,  certificate  or other  writing  at any time  heretofore  or
     hereafter  furnished  by Pledgor to Secured  Party,  and all other  written
     information  heretofore or hereafter furnished by Pledgor to Secured Party,
     are and will be true and correct as of the date furnished.

          (d) Until the Note is paid in full,  Pledgor will neither  issue stock
     that has earnings,  distribution  or voting  rights  superior to the common
     stock  that is the  Collateral,  nor  issue  common  stock for an amount of
     consideration less than $1.25 per share.

         3.       Default.
                  -------

          (a) An Event of  Default  shall be  deemed to have  occurred  upon the
     happening of any of the following events or conditions:

               (i) the  failure or refusal  of  Pledgor to pay  principal  of or
          interest on the Notes when the same becomes due in accordance with the
          terms  thereof  and such  failure or  refusal  is not cured  within 10
          calendar days after Pledgor has notice thereof;


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               (ii) the failure or refusal of Pledgor punctually and properly to
          perform,  observe  and comply  with any other  covenant  or  agreement
          contained  in this  Agreement  or the  Documents,  and such failure or
          refusal  is not cured or  remedied  within 30 days after  Pledgor  has
          written notice thereof;

               (iii)  Pledgor  shall (1) become  insolvent,  (2) fail to pay its
          debts generally as they become due, (3) voluntarily  seek,  consent to
          or  acquiesce  in the  benefit or  benefits  of any Debtor  Relief Law
          (defined  hereinafter),  or (4)  become  a party  to (or be  made  the
          subject  of) any  proceeding  provided  for by any Debtor  Relief Law,
          other than as a creditor or claimant,  that could suspend or otherwise
          adversely  affect the Rights  (defined  hereinafter)  of Secured Party
          granted herein  (unless,  in the event such proceeding is involuntary,
          the  petition  instituting  same is  dismissed  within  60 days of the
          filing of same).  "Debtor Relief Law" means the Bankruptcy Code of the
          United  States  of  America  and  all  other  applicable  liquidation,
          conservatorship,  bankruptcy, moratorium, rearrangement, receivership,
          insolvency,  reorganization,  suspension  of payments or similar  Laws
          from  time  to  time in  effect  affecting  the  Rights  of  creditors
          generally.  "Rights" means rights,  remedies,  powers and  privileges.
          "Laws" means all applicable statutes,  laws, ordinances,  regulations,
          orders,  writs,  injunctions  or decrees  of any state,  commonwealth,
          nation,  territory,   possession,   county,  parish,  municipality  or
          Tribunal.  "Tribunal"  means  any  court or  governmental  department,
          commission,  board,  bureau,  agency or  instrumentality of the United
          States or of any state, commonwealth,  nation, territory,  possession,
          county,  parish or municipality,  whether now or hereafter constituted
          and/or existing;

               (iv) the  failure to have  discharged  within a period of 30 days
          after  the  commencement  thereof  any  attachment,  sequestration  or
          similar  proceeding  against  the  Collateral  or any of the assets of
          Pledgor,  or the  loss,  theft  or  destruction  of or  occurrence  of
          substantial damage to a material part of the assets of Pledgor, except
          to the extent adequately covered by insurance; or

               (v) the occurrence of an "event of default" under the Notes.

          (b) If any one or more of the Events of Default  specified above shall
     have  happened,  the  rights  of the  Secured  Party  shall be  limited  to
     converting the principal of and accrued but unpaid  interest on the Note to
     shares of common  stock of  Pledgor  or an equity  interest  in Smart  Chip
     Technologies, LLC, as provided in the Note, or to executing and foreclosing
     on the collateral described in the separate  Accommodation Pledge Agreement
     entered into between Smart Chip Technologies, LLC and the Secured Party and
     other  holders  of  similar  notes,  and in the event  that any sale of the
     Collateral  shall be insufficient to satisfy the  Liabilities,  the Secured
     Party shall not seek and shall not be entitled  to obtain a  deficiency  or
     personal judgment against Pledgor.

     4.  Representations and Warrantees of Secured Party. In connection with the
possible  acquisition by Secured Party of the Collateral  upon execution of this
security  interest,  Secured  Party  represents  that the common  stock would be
acquired  solely  for  investment  purposes,  without a view to or for resale in
connection with any  distribution  of such common stock or any interest  therein
without  registration or other  compliance  under the Securities Act of 1933, as
amended,  and that Secured Party has no direct or indirect  participation in any
such undertaking or in the underwriting of such an undertaking. Secured Party is
an  "accredited  investor"  as that term is defined in Rule 501 of  Regulation D

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promulgated  under the  Securities Act of 1933.  Secured Party,  either alone or
with  its  duly  constituted   representative,   has  sufficient  knowledge  and
experience  investing  in  companies  similar  to  Pledgor,  so as to be able to
evaluate  the  risks  and  merits  of its  investment  in  Pledgor  and is  able
financially  to bear the risk  thereof,  including a complete loss of its entire
investment.

         5.       Miscellaneous Provisions.
                  ------------------------

          (a)  The  parties   shall   execute  and  deliver  all   Documents  or
     instruments,  provide all  information,  and take or forebear from all such
     action as may be necessary or  appropriate  to achieve the purposes of this
     Agreement.

          (b) All notices, demands, requests or other communications required or
     authorized  hereunder  shall be in writing and shall be deemed to have been
     given  on  the  date  of  service  if  personally  served  or by  facsimile
     transmission  (if receipt is  confirmed  by the  facsimile  operator of the
     recipient),  or on the  following  day if delivered  by  overnight  courier
     service,  or on the third day after  mailing if mailed by  certified  mail,
     return receipt requested, if sent to the addresses or facsimile numbers set
     forth  herein or other such  addresses  and  facsimile  numbers as shall be
     furnished by any party in the manner for giving notices hereunder.

          (c) No delay on the part of Secured Party in the exercise of any right
     or remedy  shall  operate  as a waiver  thereof,  and no single or  partial
     exercise by Secured  Party of any right or remedy shall  preclude  other or
     further exercise thereof or the exercise of any other right or remedy.

          (d) This Agreement, together with the other Documents, constitutes the
     entire  agreement  between the  parties  pertaining  to the subject  matter
     hereof and supersedes all prior  agreements and  understandings  pertaining
     thereto.  No  amendment  to,  modification  or waiver of, or  consent  with
     respect to any provision of this Agreement  shall in any event be effective
     unless  the same shall be in writing  and signed and  delivered  by Secured
     Party, and then any such amendment,  modification,  waiver or consent shall
     be effective only in the specific instance and for the specific purpose for
     which given.

          (e) Section  captions used in this  Agreement are for  convenience  of
     reference only and shall not affect the construction of this Agreement.

          (f) This Agreement may be executed in any number of  counterparts  and
     by  the  different  parties  on  separate   counterparts,   and  each  such
     counterpart  shall be deemed to be an original,  but all such  counterparts
     together  shall  constitute  but one and the same  Agreement and any signed
     counterpart  shall be deemed signed and delivered if it is delivered by the
     party  signing  it to  any  other  party  hereto  by  electronic  facsimile
     transmission.

          (g) This  Agreement has been  delivered at Salt Lake City,  Utah,  and
     shall be construed in accordance with and governed by the laws of the state
     of Utah,  excluding  principles  of choice or  conflicts  of law.  Whenever
     possible,  each  provision of this  Agreement  shall be interpreted in such
     manner  as to be  effective  and valid  under  applicable  law,  but if any
     provision  of this  Agreement  shall  be  prohibited  by or  invalid  under
     applicable  law, such provision  shall be ineffective to the extent of such
     prohibition  or  invalidity,  without  invalidating  the  remainder of such

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     provision or the  remaining  provisions  of this  Agreement.  Any action or
     proceeding  brought to enforce this  Agreement  shall be instituted in Salt
     Lake County,  Utah, if brought in a Utah state court, or in the District of
     Utah, Central Division, if brought in a federal court.

          (h) This  Agreement  shall be binding upon and inure to the benefit of
     the parties and their respective successors and assigns; provided that this
     provision  shall not be construed as permitting  assignment,  substitution,
     delegation or other transfer of rights or  obligations,  except strictly in
     accordance with the provisions of this Agreement.

          (i) The duties of a party under this Agreement may not be delegated by
     either party, in whole or in part, without the prior written consent of the
     other party.

     IN WITNESS  WHEREOF,  this  Agreement has been duly executed as of the date
first above written.

                                   Pledgor:

                                   Schimatic Cash Transactions Network.com, Inc.


                                   By
                                     -------------------------------------------
                                        Its duly authorized officer

                                 Secured Party:


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