Today, Future & Beyond...

Digital currencies & fast payments will enhance efficiency and financial inclusion, buttressing data privacy with digital version of sovereign currrency as foundation, while safeguarding stability & security of the future monetary system. But cryptocurrencies and blockchains also have a few major problems. Non-Web3 users are, initially, not going to understand the concept of non-custodial, self-custodial, cold or hot wallets, private keys and seed phrases, so we made it user-friendly for everyone to be able to use Web3 without any difficulties and do the most awesome things you could imagine. Buy, sell & trade anything directly from the front-end user interface (UI) for a seamless user experience (UX) and interoperability with other blockchain networks & legacy payment systems. Each transaction, whether it pertains to consumption, or sale, is meticulously recorded on a blockchain, fostering transparency and trust among involved parties, and you don’t need to code anything to do it. DePIN significantly speeds up the entire payment process, as well as reducing the need to involve any extra employee in the entire operation.

Use Cases

Get the opportunity to make more effective & impactful financial decisions in your daily life without restrictions.
Mobile Credits allow you and staff to break free from the confines of a traditional counter terminal.

Hospitality | Catering

Hotel, Grand Café, Bistro, Restaurant, Pub, Food Truck, Host, Barkeeper, Room Service, Food Delivery

Toerism | Recreation

Bungalow Park, Camping, Congress, Car Rental, Boat Rental, Stewardess, Tour Guide, Desk Clerk, Hostess

Beauty & Health Salon

Beautician, Hairdresser, Gym, Physiotherapy, Pedicure, Manicure, Spa, Wellness, Dentist, Plastic Surgery

Retail | Store

As a retailer, retailers and web shops have more opportunities, sales, turnover and customer loyalty due to the wide reach of their own app

Entertainment Sector

Artists, DJ, Festivals, Events, Theater, Cinema, Studio, Operator, Sound & Vision, Games, Escape Rooms, Interactive Software

Self-Employed

Self-employed, Freelancer, Sole Proprietorship, Ltd, VOF, BV, CV, Partnership, Sales, Installation, Maintenance, Repair, Advisors, Lawyer

Web3, Blockchain & AI

AI will undoubtedly be the source of the next revolutionary disruption

Unbanked Population

The digital revolution offers a chance to increase access for all, without making compliance over-burdening.

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Future-proof any business by aligning with the consumer landscape

Types of Money

Type

Cash

Bank Deposits

E-Money

Stablecoins

Crypto Assets

Technology

–

Centralized Database

E-Money

Stablecoins

Crypto Assets

Issuer

Central Bank

Private Bank

E-money Institute

Private Company

No Central Issuer

Backed

Central Bank/State

Central Bank Reserves/Regulation

Bank Deposits

Bank Deposits/EU Regulations

No Security

Availability

Citizens & Companies

Stability

Yes

Maybe

No

Retail & Wholesale CDBC

Type

CDBC | Retail

CDBC | Wholesale

Technology

Centralized/Decentralized Database

Decentralized Database

Issuer

Central Bank

Backed

Central Bank/State

Availability

Citizens & Companies

Financial Actors

Stability

Yes

Accessibility

TradFi

CeFi

DeFi

The ease with which people can access and use the type of financial service.

Operates via local/regional/national branches and depends on intermediaries to provide services.

Supports global reach and minimal or no intermediaries’ requirements to provide 24/7 services.

Compliance

The degree to which the offered service is impacted by regulatory requirements and the extent to which it operates within the regulatory perimeter.

High compliance expectations including licensing requirements from primary regulatory agencies.

Must acquire licences like BitLicense, Virtual Money Transmitter License, etc and more regulated than DeFi.

DeFi entities have less regulations currently but face the highest regulatory uncertainty.

Tokenization

The extent to which tangible and non-tangible assets can be converted to blockchain tokens.

Tokenization is limited to securities only.

Highly prevalent and is seen in forms like utility tokens, governance tokens, stablecoins, NFTs, etc.

Liquidity

The ability to demonstrate sufficient liquidity with a robust pricing mechanism, liquidity forecasting, and contingency funding plan.

Most of the financial markets (i.e. stock, bond, and currency markets) see high liquidity.

Exchanges for cryptocurrencies are liquid, even though not as liquid as traditional financial markets.

Due to its emerging nature as well as limited industry-adopted and time-tested mechanisms, DeFi applications often have a lesser ability to reliably demonstrate sufficient liquidity.

Governance

The strenght of governance structures including presence of board, committees, and defined protocols for intercompany services and operations.

Well-defined traditional governance structures are seen with board, mamgement, and staff along with intermediaries.

Majority decision-making rests with stakeholders.

Governance may excist in the form of tokens that enable decision-making through voting rights; however, it is largely decentralized with arisk of asymmetrical concentration.

Transparency

The extent to availability and symmetry of information available in the type of financial service.

Periodic financial information is publicly available.

CeFi has an opaque system where a centralized entity keeps most of the information with minimal publicly available information.

All transactional data is publicly available making DeFi highly transparant.

Smart Contracts

The use of smart contracts in provding services to customers.

Periodic financial information is publicly available.

Utilize smart contracts to a limited extent in certain areas.

Extensive use of smart contracts, the coding of which controls how the DeFi application works.