Whitepaper
Whitepaper 3.1
Overview of the VOY Finance Ecosystem
The VOY Finance Ecosystem introduces a groundbreaking approach to liquidity lending and yield generation of trade finance through its innovative use of asynchronous vaults, tokenization of real-world assets (RWAs), and advanced integration with Ai and blockchain standards and protocols. Below is a detailed breakdown of the system's components, processes, and unique value proposition.
Addressing the Trade Finance Market
Global Trade Finance Potential: The annual trade finance market is valued at $27 trillion, presenting a massive opportunity for innovation and efficiency improvements.
The $3 Trillion Gap: Despite the market's size, a $3 trillion gap persists due to inefficiencies and lack of access to funding, particularly for small and medium enterprises (SMEs).
Paper-Based System: Current trade finance operations rely heavily on outdated, paper-based processes, creating delays, inaccuracies, and limited scalability.
Perfect Product-Market Fit (PMF): The VOY Finance Ecosystem aligns perfectly with the needs of the digital revolution, offering a decentralized and scalable solution to democratize wealth, support SME growth, and drive global GDP increases.
VOY’s RWAfi Solution:
Digitize RWA documents and bring them on-chain, ensuring efficiency and transparency. By leveraging decentralized finance (DeFi) liquidity, VOY aims to seamlessly bridge the gap between traditional financial systems and blockchain-based innovations, democratizing access to trade finance solutions.
Key Components
1. Asynchronous VVaults (ERC7540 Compliant) and BTC VVault protocol.
ERC7540 Standard Compliance: The vaults are designed to adhere to the ERC7540 standard, ensuring compatibility with decentralized financial protocols and platforms.
Integration with Gnosis Safe: Vaults are integrated with Gnosis Safe, a leading multisig wallet solution, for secure and collaborative asset management.
Zodiac Role Modifiers: The system utilizes Zodiac role modifiers for governance, enabling modular and upgradeable access control mechanisms.
User-Friendly Vault Portal: An intuitive portal enables participation from DeFi, SocialFi, MemeFi, and on-chain liquidity providers, creating a seamless entry point into RWA lending and yield generation.
2. Fee Structure
Performance Fees: A percentage of the profits generated by the vaults is allocated as performance fees.
Management Fees: Fixed fees are charged for the operation and management of the vaults, ensuring sustainable ecosystem growth.
3. Net Asset Value (NAV) Calculation and Settlement
Proposed NAV: The NAV is proposed by a dedicated NAV committee based on pre-defined terms and methodologies.
Final Settlement: An asset manager reviews and finalizes the NAV, ensuring transparency and accuracy in asset valuation.
4. Tradeflux RWA Tokenization and Documentation
Ai Digital Document Protocol:
VOY’s AI-driven Optical Character Recognition (OCR) protocol processes and tokenizes off-chain asset documentation at an unprecedented rate of 1,000 documents per minute.
Supported documents include invoices, debt documents, promissory notes, bills of exchange, and bills of lading (BoLs).
On-Chain Asset Representation:
Real-world assets are tokenized as various ERC standards, including:
ERC721: Non-fungible tokens
ERC1155: Multi-token standard
ERC7621: Advanced asset tokens
ERC3643: Regulated security tokens
Jurisdictional Compliance: Leveraging the ERC3643 T-REX protocol ensures security tokens meet global regulatory standards, providing robust compliance and enabling seamless cross-border transactions.
These tokens are stored on-chain and linked to vaults, facilitating direct settlement and transactions.
5. Marketplace Integration
Vaults directly interact with a decentralized marketplace for asset settlement, enabling seamless and transparent lending and trading of tokenized RWAs.
The Tradeflux marketplace is enhanced with jurisdictional compliance by incorporating ERC3643 T-REX standards, ensuring adherence to security token regulations across multiple jurisdictions.
Open Liquidity Gateways: The system enables a shift to open vault liquidity gateways, digitizing invoice debts from originators to unlock more liquidity. This strategy mirrors traditional lines of credit while addressing the trade finance gap through innovative DeFi to TradFi lending models.
Process Flow
RWA finance (RWAfi) onchain: Atomic Swap Model
Vault Lending:
Liquidity is pooled in asynchronous vaults by investors seeking high-yield opportunities (12-24%).
The vaults provide funding to trade finance deals by lending to RWAs.
Originators:
Originator agents create and manage RWA debt using VOY’s AI protocol as post trade originators and leverage this as RWA high yield generation bring trade fin on chain to create RWAfi.
Tokenized assets are settled on the marketplace, asset securitised and backed by vault lending.
Atomic TradeFi Swaps:
The ecosystem enables on-chain atomic trade finance swaps, leveraging tokenized RWAs, vault liquidity, and corporate needs.
Atomic Swap functionality ensures secure and efficient settlements.
Tokenomics and Growth Strategy
The growth of the VOY Finance Ecosystem is directly tied to the influx of liquidity. As more liquidity enters the system through digitized invoice debts and vault lending, the token value and ecosystem utility grow exponentially.
By mirroring traditional lines of credit, the platform attracts both DeFi and TradFi participants, creating a robust liquidity gateway to address the global trade finance gap.
High-Yield Opportunities: The system offers yields between 12-24%, making it an attractive option for investors while providing sustainable growth for the platform.
System Diagram
Below is a conceptual flow diagram illustrating the 3-way finance model:
Vault Lending:
Liquidity provision by investors
Lending vaults fund RWAs
Originators:
Facilitate RWA tokenization via VOY’s AI protocol
Provide validated assets for marketplace settlement
Smart Escrow:
Enables secure and automated settlements for trade finance swaps
[Include a flowchart visualization here depicting the interactions between vault lending, originators, and the decentralized marketplace.]
Conclusion
The VOY Finance Ecosystem redefines trade finance by leveraging Ai and blockchain technology to tokenize RWAs and automate documentation processing. By integrating asynchronous and third party vaults, high-speed Ai protocols, and compliant token standards, VOY provides unparalleled efficiency and yield opportunities in the decentralized finance landscape. This system bridges the gap between traditional banking processes and modern decentralized solutions, offering a scalable and sustainable model for global trade finance. By addressing the $3 trillion trade finance gap and digitizing the $27 trillion global market, VOY supports the fourth digital revolution—driving democratized wealth creation, SME growth, and GDP expansion worldwide.
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