Dassi profit/income streams Generation example use cases

• Crowdfunding Loans on Dassi Platform- Users can crowdfund loans to verified borrowers on Dassi platform. After promotional zero interest loans, Dassi will incentivize lenders to lend on their platform with below market interest rate (<10%). Dassi will receive commissions from these transactions and share of all profits will be distributed to users staking Dassi Coin (DSI). Lenders are insured against default by Dassi Smart Contract Insurance Program.

Phase-1

• Register users on the Dassi platform where borrowers & lenders undergo KYC.
• Generate Credit Scores of registered users by offering zero interest loans. This allows us to compile user data to ascertain user creditworthiness and limits.
  • What is the mechanism that we are going to score members?
  • Credit score of users will vary from 300 to 850. Initially we will assign credit score of 400 to a user and then if he repay emi on time, credit score will increase else decrease if emi not paid on time.
• Lenders receive Dassi tokens as incentives to participate in crowdfunding. Incentives are offered for promotion and user onboarding process through Dassi Liquidity Reserves.
• Bridge between Crypto and traditional banking system
• Dassi will issue Dassi Coin (DSI) and its stable variants Dassi INR (DINR) & Dassi USD (DUSD). Users can deposit their FIAT (INR, USD, AUD) into the Dassi bank account through UPI payments and they will be issued DINR/DUSD in their connected Solana crypto wallet. Now, users can choose to convert these coins into any cryptocurrency (like DSI, BTC, ETH) to transact on our platform without going through an intermediary crypto exchange (again going through KYC verification). Dassi will place orders on behalf of the users through our brokerage account on partnered crypto exchanges and get best bid/ask quotes and attractive fees rates due to high volume transactions. This will add to the smooth User Experience we offer our users on Dassi.
• Mass adoption - personal data, credit score at scale to generate datasets and build Machine Learning algorithms to optimise Dassi’s credit system.

Phase-2

• Dassi introduces P2P FIAT/crypto lending that benefits both borrowers and lenders. Dassi will partner up with merchant websites like Amazon, Flipkart & other online retailers allowing borrowers to post their loan request to purchase items(i.e. smartphone, laptop for educational purposes etc.) from them. Borrowers can post a request on the Dassi platform about how much amount they wish to borrow, reason for it, duration and at what interest rate (i.e., 1000$ @10%). Similarly, lenders can opt to lend out to these borrowers by checking their verified financial information available exclusively at Dassi ( (i.e., 500$ @10%). Once we have sufficient data, matching of these requests will be done automatically by analysing data using ML algorithms and AI. Payment and crowdfunding will happen on Solana blockchain through smart contracts. Both parties get better borrowing & lending rates than offered on the market. Dassi charges commission to facilitate this transaction on the platform.

• Small loans < $1000 are interest free, bigger commercial loans will have interest.

• Dassi offers above market deposit rates and below market lending rates to our users.

  Indian banks provide ~3% deposit rate while we will offer 8-10% yield per annum to our users. This will be achieved through users crowdfunding loans at 12% APR (below market) and the spread of 2-4% between the deposit and lending rate will be distributed among Dassi coin staking participants.

• Dassi will smooth the friction present while users switch from crypto to banking system or vice versa. Issue Credit Cards to eligible platform users at attractive interest rates with incremental credit limits as users make timely payments (market rate @30-45% per annum). We’ll issue a virtual and physical credit card that can be used to transact in crypto and real world (FIAT). Credit limit calculated by applying Machine Learning (ML) on credit scores and verified data submitted by users. These cards can be used to buy groceries, online shopping and food delivery by integrating Dassi with Swiggy, BigBasket, Amazon. Dassi coin and its stable variant Dassi INR (DINR) or Dassi USD (DUSD) can be used to pay bills and receive cashbacks in their wallets (that can hold both Crypto & FIAT)

• Allow other DeFi projects on Solana to leverage our user financial data

  This data will provide additional income streams to the project by building partnerships with DeFi projects and offering better services to our users.

  Dassi will generate Credit Scores for all users who register and transact on the platform. We’ll be in a unique position having access to significant financial information of our users. This can be used in multiple ways to generate revenue for Dassi and its staking members. Like leasing this information to other DeFi projects, targeted advertisements and marketing.

• Commercial Lending

  Dassi will lend to businesses having hard assets at lower interest rates by providing short term loans to expand infrastructure or make a switch from offline to online presence for small and medium sized businesses. Dassi can act as a seed market place where its users can support new business ideas through verified information listed on our platform.

Phase - 3:

Solar Energy- We will provide our users solar panels at the cost of their existing monthly electricity payments with no/low cost EMI. Dassi will generate profit margins by partnering with Solar Manufacturing Industry Giants to get below market offers. The Green Energy Initiative is also supported by the Indian government (national policy benefits).

Dassi plans to become the bank of Crypto World. We aim to bridge the gap b/w the traditional banking system and cryptocurrency space. We’ll offer a savings account to our users that gives them 7-8% yield to keep money with us. Our users can deposit & withdraw in FIAT or crypto currency. This allows us to manage excess reserves deposited by users and generate income like traditional banks by lending to other eligible parties, yield farming or invest in safe assets like Govt, Corporate High Yield Bonds.