Category: Recently Added Whitepapers

Peerex

Multiplier crypto lender began in 2019 with regulated financial licenses obtained (SRO Switzerland VQF 10075 and Hong Kong Money Lenders License 1702/2019), and formed strong collaborations with reputable industry leaders such as Coinbase Custody and JUMIO KYC/AML.
Decentralised finance (DeFi) is one of the fastest growing sectors in the cryptocurrency industry, with Weiss Ratings stating that Defi is revolutionary and that it’s still in its infancy. It is an alternative to traditional financial systems and allows you to earn interest on your crypto and take loans, among many other advanced financial activities.
Defi used with decentralised governance, enables the underlying protocol to be permanent and upgradable by the community, allowing it to work at scale.
Multiplier has been developing DeFi protocols with user feedback from its centralised crypto lending entity since 2019, and launches a governance token which gives the community voting rights, that can only be distributed through minting.

Mission
Multiply and leverage digital assets for the masses

Vision
Advancing and simplifying legacy financial systems

MXX Utility
The MXX token represents ownership of crypto assets and will be aggregated algorithmically according to liquidity contributed to the Multiplier platform, an application that facilitates the collateralisation and loans of crypto assets.
The MXX protocol aims to be decentralised, open-sourced and publicly available. This will allow anyone to examine and verify the protocol at any given time.
MXX tokens are designed to balance liquidity between depositors and lenders through algorithmic derived interest rates and yield, based on the collateralisation and loans conducted on the platform.
MXX tokens are not pre-mined, and only minted through transactions that contribute to liquidity on the platform. Potential MXX holders are incentivised to mint MXX through transactions, and will have voting rights towards the governance of the network.

For a start, 18,000,000 MXX tokens are minted daily. Users will mint in proportion to their liquidity contributed to the platform on that day, through earning, lending and referrals.

Multiplier (MXX)

In the current encrypted world, along with the natural financial attributes of the blockchain itself，The traditional financial world has undergone major reforms based on blockchain. DeFi is the new financial technology in the current blockchain finance field, and it is also to accelerate the implementation of blockchain based landing in the financial field. DeFi，full name is Decen- tralized Finance，Translated into decentralized finance or distributed finance，The essence is that everyone can participate in the market as an asset end and a liability end, and it does not need a third-party centralized authority to participate in the ecology，It deviates from traditional centralized financial institutions, so it is also called open finance.

Among the DeFi projects currently on the market，There are multiple conceptual projects such as synthetic assets, decentralized exchanges, and mortgage lending agreements; from the per- spective of representatives of certain synthetic asset projects in the current market，Although it solves the problem of assets on the chain of the substantial economy and traditional financial derivatives, but because most projects only solve the transactions of derivatives based on blockchain，However, it cannot resolve the exchange relationship between multiple asset class- es.The MixTrust project is based on synthetic assets，Through its unique cross-chain technolo- gy, it can realize the exchange between multiple assets, so as to realize the exchange and trans- action of multiple types of digital assets.

Mixtrust

On Jan 3rd 2009, Bitcoin set out the journey to create a decentralised financial system without government backed currencies. Today, at more than $115 billion market cap, it has become more like the digital gold reserve than a currency used for medium of exchange and financial unit of account. The volatility of exchange rates between cryptocurrencies from the virtual world with value from the physical world makes the prospect of creating a healthy blockchain economy difficult.

The goal of the protocol of Meter is to complete the mission of Bitcoin and create a stateless financial infrastructure to enable the development of the cryptocurrency economy. It is a fully decentralised, permissionless public chain and Meter is the stable cryptocurrency on the chain that provides a relatively stable currency reference to values from the physical world. Meter uses the cost of production and the miners’ arbitraging behaviour in a proof-of-work system as the key feedback to establish a long-term equilibrium price for the market. Such equilibrium price essentially anchors the unit of accounting in the Meter system to the global competition of electricity prices, which is more stable in real value than any fiat currencies in the world based on the historical data. Meter eliminates the burden on dApps developers to dynamically price their goods or services based on off-chain exchange prices, which is not only difficult to implement properly, but also extremely confusing to customers. The protocol of Meter aims to lay the foundation for a stable cryptocurrency reference that will pave the way for more sophisticated financial services and instruments like lending, insurance, options and derivatives to be built correctly.

Meter is not pegged to the U.S. dollar or any other fiat currency issued by a sovereign country. Instead, it is built on top of its own economy and its proof-of-work interactions with the physical world.
Meter is not competing with Ethereum or other public blockchains, though it is compatible with existing Ethereum dApps and can function as a side chain to most public chains. Developers can interact with and use Meter as a reference for their dApps’ native public chains through Meter’s cross-chain adaptors and SDKs. Each public chain runs its own consensus and scaling and implements its own incentive schemes while Meter focuses on proper monetary policy, inter-chain communications and settlements of value.

Meter

What is Defi?
DeFi is a term that’s been going around the crypto-scene for quite some time now, touted as the next big step in decentralized ledger technologies. But what is DeFi?

In simple terms, it is finance related software that’s built to be used with a DLT (namely blockchain) thereby taking advantage of all the characteristics this type of technologies present – transparency, immutability, interoperability, programmability, among others.

In a broader view, DeFi refers to a paradigm shift at the economic level enabled by DLT, happening right now on several levels, ranging from P2P payments to smart-contract enabled auto loans, including fiat-pegged stablecoins, with new use cases popping up at an increasingly higher rate. Its absolute goal is to decentralize traditional financial services, turning them into permissionless financial services.

There is no denying that DeFi has established itself as one of the leading areas within the blockchain space.

The possibilities are endless: DeFi solutions that present an innovative way of engaging in borrowing & lending, allowing for instant transaction settlement as well as the ability to collateralize digital assets; DeFi protocols allowing companies to track the value of their digitals assets and analyze a whole new array of data without the need for software/system integrations due to incompatible software; applications built on top of public DLT’s, enabling a myriad of use cases including wealth management and insurance, two of the most sought out financial utilities.

Each DeFi dapp/protocol can be seamlessly combined with the next one, connected to each other using smart contracts. You can think of smart contracts as API’s, though unlike traditional API’s smart contracts are standardized and highly adaptable. Something that would require a very can be achieved by changing a set of

specific API in traditional systems parameters in a smart contract.

What exactly is Meridian Network?

Let’s start by defining a DAO. A DAO is a decentralized autonomous organization. In other words, it is a system where the rules are embedded into its code, and no single entity has the power to make decisions on behalf of the others, a management problem known as the principal-agent dilemma.

Through open-source protocols, DAO’s dictate how users interact with each other, using game theory to steer the actions of its members as opposed to legal contracts, incentivizing people to make decisions that best suit the group’s interests as well as their own. It eliminates the need for individuals to trust each other. DAO’s are incorruptible, fully transparent, and autonomous.

At its core, Meridian Network aims to become an ecosystem of DeFi protocols 100% governed through a community-driven DAO, allowing its users to choose the set of rules that is most favorable to them.

The way we will do this is by releasing DeFi dapps that have a DAO governance mechanism embedded into their code, and users will be able to use these dapps/protocols and decide on their variable features/ attributes through voting. The LOCK token will serve as the measure of voting for these dapps. This is not the only use for the LOCK token, as will be seen on our second protocol to be released within 2 months.

We have chosen the Ethereum network for our initial DAO implementation, as it is currently the most widely used and standardized smart contract platform, seeing as compatibility is paramount to any DAO-governed system.

Meridian

MANTRA DAO is a fully integrated ecosystem of decentralized financial services built on interoperable technologies and controlled by its users collectively. Its governance mechanism is predicated upon a digital token called OM that allows its holders to participate in decisions affecting the parameters of the system. OM token is distributed as a reward for contributions made to the platform and provides access to a variety of economic incentives. In addition to OM token, MANTRA DAO supports the Karma Protocol, a reputation mechanism that assesses participants’ behavior within the system and keeps track of OM holders’ performance metrics.

Mantra Dao

We propose a blockchain solution to financialize infrastructural assets for maximiz- ing efficiency of consensus and boosting onchain application usage. We build a financial channel to turn on chain assets into flexible and tradable financial products. This paper compares the traditional financial product issues and the implications of staking assets in blockchain, examines the financial influence of staked assets on application usage. Through our financial channel, individuals can get mutual benefits from both staking rewards and the surplus generated from participation of onchain applications. Node operators can issue derivatives to sell staking assets with a time threshold. Thereby, this financial protocol allows users for the first time to earn significant premiums on staking and application at the same time. The issuance of underlying assets derivatives bring flexibility and finan- cialization to the blockchain infrastructure.

Keysians

Idena

The HEMELIOS token (HEM) is a digital currency designed to maximize the alignment of interests of developers and investors through the implementation of an original and innovative mechanism based on economic incentives. We believe this mechanism designed to run indefinitely is unparalleled in other crypto projects and in the financial sector in general.

In a few words, this mechanism ensures by its design the sane and solid structure of HEMELIOS token (HEM). On the one hand, the developers are not entitled initially to receive any HEMELIOS token (HEM), on the other hand, the developers will be entitled to receive new minted HEMELIOS token (HEM) if and only if the value of tokens appreciate substantially from its initial phase.

It’s a paradigm shift for the concept of token creation. Usually token creation dilutes former investors, here this effect is structurally different thanks to the token design: the price of the token must necessarily rise substantially for a new token issuance to take place. Thereby HEMELIOS token (HEM) is, by design, a breakthrough innovation which defends, objectively and above all, the interests of investors.

To ensure the integrity of this mechanism, terms and conditions will be directly hard coded inside the HEMELIOS’s smart contract and safe-guards will be set up to prevent any and all deviation from this aim.

Hemelios Whitepaper

Hemelios

The gbrick Platform, a project our company is aiming to implement, is a gaming platform based on ultrahigh-speed blockchain for fast services.

The gbrick Platform may accept all gaming platforms that actively utilize user networks formed through various social network services such as Facebook, Twitter, Kakao Talk, and Line, as well as personal connections made on Internet services including Google, Naver, and Daum.

gbrick refers to an advanced platform that can be speedily and conveniently used for all types of gaming from social networking games to simple text games in the process of formation of personal connections in the online environment through gaming.

Our purpose is to develop and operate a gaming platform based on blockchain through which such social networking gaming can be managed and distributed.

Once game providers register their games on the particular platform, the gbrick Platform organizes the information of the game users into big data on its network to provide as various statistical data. Also, most of the profits generated through the games are returned to the game providers (developers or suppliers).

Also, a user may create a game according to the games platform registered by a game supplier and, through this, encouragement of user participation and redistribution of coins are carried out based on various results of the games.
gbrick can be used with a variety of different games, and we establish network gaming capable of two-way interactions as well as an ecosystem that can regenerate and produce such games, thus providing the majority of the total profits back to the providers of the games.

Moreover, a provider may offer services in various forms within the game, and through the quick and easy gbrick Platform, it also works with a structure where profits are distributed to the participants as well. For growth and maintenance of the gbrick ecosystem, we are also planning a project to discover and support promising GPs (Game Providers).

Gbrick