# About Definder P2P crowdfunding marketplace for Real Estate and SMEs
**Definder is built on the Binance Smart Chain network, utilizing advanced blockchain technology to enable fast, inexpensive, and secure transactions. The platform aims to provide open and unregulated access to facilitate and accelerate funding for real estate and other real-economy assets.** The goal is to eliminate burdensome steps that make onboarding and operations difficult for both investors and businesses. The platform is designed to finance real estate projects regardless of location or type. The architecture reflects leading mutual funds by incorporating: * **A Decentralized Autonomous Organization (DAO)** where users can vote on key decisions like budget allocations. * **Lending pools** consisting of stablecoins or Definder Tokens ($DFIND), each pool funding projects matching its strategy. * **Smart contracts** to create legally binding lending agreements between Definder lenders and real estate borrowers. * **Decentralised Ledger** - blockchain technology to record, monitor, and track transactions. Onboarding is simplified due to the decentralized nature. Users only need to register their email and crypto wallet address to gain access to project due diligence data and network information. To gain voting and investment rights, users must deposit tokens into their wallet. When opportunities arise, users transfer funds to the fundraising wallet and receive interest repayments. **In summary, Definder utilizes blockchain technology and decentralized governance to provide easy, secure real estate investment opportunities to users worldwide. The platform aims to transform how real estate projects are financed.** ## For Community Get amazing things done with awesome feature one. But remember that awesome feature two and three exist too. In fact, Awesome Product is full of awesome features. * Unprecedented access to investment projects in the real-economy globally * Security of Blockchain * Simplified KYC * Investments starting with as little as $100 * Low network fees without any hidden Fees * Absolute data security and maximum transparency of all blockchain-based transactions; * Lightning-fast settlements ## For assets owners * Proprietary tools for borderless capital raise * Unique algorithm for attracting strategic investors * Quick and flexible loan provisions * Flexibility of Collateral * Short loan application process * Competitive interest rates * Possibility for short term bridge financing and long term mortgage * Tokenization of assets ## Quick links * Product : * Company Website: [ ](https://dfplatform.definder.global) * Telegram : * X (Twitter) : * YouTube:. * Medium : # Company
**Definder represents an international group of companies united by a mission to crowd-financing in real-economy assets.** DF Platform is the first in a line of products of Definder Network, is a platform for decentralised funding of businesses and real-economy assets thought a structure of Smart Contract Driven Crowdloans. Definder Platfrom is regstered under a Smartlands Platform LTD UK (Company number 11543111) provides unregulated B2B White Label and SaaS tech solutions Platform is a cloud-based applications that provides information services for users (asset owners and investors). Definder Platform (DF Platform) has been re branded from Smartlands in 2022 following a shift in leadership and the product direction. Today the company operates in Estonia and UK jurisdictions with a team of Ukrainian backgroud located in European regions (Poland, Latvia, Estonia, Ukraine, Switzerland). {% embed url="" %} Definder Platform has been at a forefront of the RWA innovation since the very inception of the market. In 2017, Smartlands has successfully carried out a pilot project in the UK to tokenize the first property with the FCA (The Financial Conduct Authority) approval. Since then the platform has evolved into a Alternative real Estate financing and tokanization Hub – a place where top real estate and SME opportunities meet with retail investors. Combining Private lending, Yield Staking, Fractal ownership and Refinancing functionality in one – Definder is revolutionising Real estate financing, empowering entrepreneurs and retail investors. # Team
#### [**Maxim Kolyada, CEO**](https://www.linkedin.com/in/maxim-kolyada-bb59b6181/) As DF Platform's CEO, Maxim brings over 10 years of experience in real estate finance, Institutional finance and Web3 finance. Working with companies like Multicoin, Groupeer, Nectaro, a16z, Invest bridge capital and Choise.AI . With expertise in deep emerging DeFi, crowdfunding, venture and Institutional Finance. Under his direction, DF Platform is looking to create a system that allows for global direct Peer 2 Peer lending and project financing for Real Estate and Businesses alike. #### [**Inna Storozhenko, Regional Director**](https://www.linkedin.com/in/inna-storozhenko-b1b8001b3/) As a Regional Director, Inna applies her analytical proficiency to expand DF Platform’s European operations. She builds local partnerships across the EU landscape to extend DF Platform’s accessibility. Under her leadership, DF Platform is integrating with key EU ecosystems and policymakers. #### [**Lily Lisova, Head Of Communications**](https://www.linkedin.com/in/lily-lisova-3b6780271/) Lily leads partnerships and community communication for DF Platform. She fosters transparent communication, forming meaningful connections between DF Platform’s innovations and the wider community. [**Hillmont Partners, Legal Advisor**](https://hillmont.com/) Hillmont oversees legal and compliance matters for DF Platform, leveraging their background as an international corporate lawyer company. They ensure adherence to regulations across multiple jurisdictions where DF Platform functions. Their efforts underpin DF Platform’s ability to operate globally as a legally compliant decentralized platform. #### [**Alex David Bart, Fin Advisor**](https://www.linkedin.com/in/alexbart/) Alex is an accomplished finance professional with over 10 years of investment banking expertise gained at marquee names like BNP Paribas and Deutsche Bank in New York and Kyiv. He brings a global perspective on capital markets to advise Definder on strategic growth. #### [**Evgeny Netuk, Blockchain Advisor**](https://www.linkedin.com/in/netuk/) Evgeny is an experienced Blockchain Architect with over 4 years of experience in building decentralized platforms. For DF Platform, Evgeny designed core blockchain infrastructure for seamless asset tokenization, lending, and governance based on his expertise across protocols like Ethereum, BSC, Polygon etc. # Token **Definder Token (DFIND) issuance is limited to a maximum of 210,000,000 DFIND tokens and runs on the Binance Smart Chain.** {% hint style="warning" %} **Be Safe!** Never share confidential information. Our team will never ask for sensitive details. Avoid direct contact. Report any suspicious activity. {% endhint %} ## $DFIND Topen Symbol - $DFIND Token Decimal - 6 Network - BNB Smart Chain Token Address - [0xc3F202EF53C29d14472b894C824Ffa3061729fA0 ](https://bscscan.com/token/0xc3f202ef53c29d14472b894c824ffa3061729fa0) ### **Distribution Breakdown:** **Total Tokens: 210'000'000** 1. Holders: 18'500'000 (8.81%) 2. Private Round 1: 42'000'000 (20%) 3. Private Round 2: 21'000'000 (10%) 4. Liquidity and Exchanges: 10'000'000 (4.7%) 5. Team and Advisers: 21'000'000 (10%) 6. Ecosystem and Partnerships: 21'500'000 (10%) 7. Reserves and Treasury: 55'000'000(26%) 8. Staking and community rewards: 21'000'000 (10%) # Market **Definder extensively researched prevailing real estate financing gaps and emerging decentralized finance advancement trajectories before crystallizing our proprietary business model.** We closely tracked property tokenization exemplars, investor accessibility pain points in high-barrier assets like commercial developments and early-mover DeFi ecosystem value propositions. Read more about [Real Estate Market](/df-platform-white-paper/quick-overview/token/market/real-estate-market) or [DeFi Market](/df-platform-white-paper/quick-overview/token/market/defi-market). These qualitative and quantitative insights provided the baseline to architect Definder’s multi-layered platform addressing discovered frictions. For instance, our governance portal democratizes participation, lending pools offer tailored risk-return exposure while the integrated DEX stimulates liquidity generation. # Real Estate Market **At Definder, our vantage of international real estate markets reveals substantial upside for technology-focused financing platforms. We concentrate on high-conviction sectors and geographies displaying data-validated upside.** The global real estate market is experiencing a transformative phase, marked by the integration of technology, environmental sustainability, and demographic shifts. The attractiveness of real estate as an investment vertical is underscored by emerging trends across Europe, Africa, Asia, and the Middle East, albeit with regional nuances and sector-specific dynamics.
In Europe, the market is adapting to new realities with a focus on residential real estate and specialized sub-sectors like retirement and senior living developments. The importance of ESG considerations is reshaping investment strategies, with a clear shift towards sustainability in construction, finance, and operations. The office sector remains liquid, with prime locations attracting investors due to their inflation-hedging potential and the low supply of high-quality stock fueling market rental growth. Africa's commercial real estate sector is poised for growth, with data centers and ESG-compliant office spaces driving demand. Despite economic challenges, there's optimism for recovery and growth, highlighting Africa's resilience and the rising interest in sustainable and technologically equipped properties.
In the Middle East, the real estate market benefits from increased government revenues, relaxed foreign-ownership rules, and significant development projects. The region's economies are among the fastest-growing, with infrastructure investments and tourism boosting the real estate sector, particularly in Grade A developments. The Asia-Pacific region mirrors global trends with a strengthened interest in commercial real estate. Key investment themes for 2023 include a focus on prime locations, ESG credentials, and a rise of private and sovereign investors. The pandemic, interest rate hikes, and increased mortgage rates have influenced the landscape, yet the region remains attractive for investment due to its economic dynamism and evolving market conditions. *** Overall, real estate continues to be an attractive investment vertical, offering diverse opportunities across the globe. The evolving market dynamics, underscored by a shift towards sustainability, technology integration, and demographic changes, present a complex but rewarding landscape for investors. Adapting to these changes, focusing on sectors and regions with growth potential, and incorporating ESG considerations into investment strategies are key to capitalizing on the opportunities within the global real estate market. # DeFi Market **At Definder, our thesis is that decentralized finance innovation will profoundly transform real estate investing - one of the largest global asset classes yet most concentrated in terms of access. Blockchain technology can inject peer-to-peer ease, fractional ownership, 24/7 market access and eliminate cumbersome intermediaries that financially exclude many.** By incorporating decentralized, self-executing smart contracts that connect developers seeking capital with community-sourced funding in a trusted manner - the era of permissionless and equitable participation in property investing dawns. No longer will high capital requirements and opaque processes deny qualified individuals their seat at the table. Fractional ownership unbundles the asset class at the click of a button.
Asset ownership is undergoing a transformative era with the intersection of DeFi and real estate. The tokenization of real estate assets represents a significant shift in the industry model, traditionally reserved for those with significant financial resources. DeFi aims to change this, democratizing access to real estate investment by lowering the entry barriers for investors worldwide. Through the process of tokenizing assets, real estate investments are becoming more accessible, allowing for fractional ownership and investment in properties that were previously out of reach for many investors Industry indicators already confirm the growing embrace of blockchain-based financial products across leading economies. The US leads adoption today but the next wave of exponential growth is projected to emerge from APAC nations along with European stability and MENA's relentless exploration providing global momentum. The writing is clear - decentralized property investing is ascending from niche curiosity to absolute business imperative. However, the journey of integrating DeFi into real estate is not without its challenges, including scalability, security, network concentration, limited liquidity, and regulatory scrutiny. Despite these hurdles, the potential of DeFi to offer easier access to capital, enable fractional ownership, and enhance transaction efficiency through smart contracts is undeniable. The tokenization of assets, in particular, has the potential to democratize the real estate industry, making it an attractive investment vertical for the future. *** By boldly leading the Web3 transition in real asset investing, Definder stays committed to demystifying this high-value arena for market participants through permissionless and equitable participation frameworks augmented by blockchain architecture. # Tokenomics
### Distribution Breakdown: **Total Tokens: 210'000'000** 1. Holders: 18'500'000 (9%) 2. Private Round 1: 42'000'000 (20%) 3. Private Round 2: 21'000'000 (10%) 4. Liquidity and Exchanges: 10'000'000 (5%) 5. Team and Advisers: 21'000'000 (10%) 6. Ecosystem and Partnerships: 21'500'000 (10%) 7. Reserves and Treasury: 55'000'000(26%) 8. Staking and community rewards: 21'000'000 (10%) ### **Detailed Use of Each Component** **Current Holders** -18'500'000 (9%) These are the tokens held by community and early investors. They have already been distributed amongst token holders. About 50% of tokens are held in staking contacts in return for % yield. About 10% are actively traded on exchanges with remainder help on a few wallets. **Private Round 1 -** 42'000'000 tokens (20%) The private round aims to attract strategic investors and partners who can provide more than just capital, such as advisory and networking benefits. Tokens in the private round priced at a discounted price from the market. The allocation is to be destributed over multiple rounds starting with the largest allocation at an earliest stage. The private round of the DFIND token offering, will be allocated to strategic, institutional, and anchor investors. This segment is designed to secure foundational investments that will support both the immediate funding needs and long-term objectives of the project. **1. Anchor Investors** * **Token Allocation**: Up to 15'000'000 DFIND * **Discount Rate**: 25% off the market price * **Vesting Schedule**: 20% with a 2 months cliff with the remaining vested over 24 months **2. Strategic Investors** * **Token Allocation**: Up to 10'000'000 DFIND * **Discount Rate**: 20% off the market price * **Vesting Schedule**: 15% with a 2 months cliff with the remaining vested over 24 months **3. Venture Capitalists and Institutional Investors** * **Token Allocation**: Up to 8'000'000 DFIND tokens * **Discount Rate**: 15% off the market price * **Vesting Schedule**: 10% with a 2 months cliff remaining vested over 18 months The private round pricing may be adjusted based on significant fluctuations in the market price of DFIND tokens leading up to the sale, ensuring the terms remain competitive and fair based on current market conditions. The private round is structured to attract substantial investments that can provide significant runway and resources for the project’s development phases. The tiered pricing and vesting schedules are designed to balance the investors' risks and rewards, ensuring long-term commitment and support. **Private Round 2 - 21**'000'000 DFIND (10%) Following the initial Private Round 1, the second phase of our private round strategy, **Private Round 2**, aims to build upon the strong foundation laid by the first. This subsequent round targets a broader spectrum of strategic partners and investors who can further enhance the project's market penetration and technological advancements. **Private Round 2** will allocate up to 21'000'000 DFIND tokens, focusing on deepening relationships with entities that bring not only funding but also unique capabilities such as technology integration, market access, and regulatory expertise. This round is especially crucial as it seeks to consolidate the initial gains and prepare the ground for expansive growth. 1. **Technology Partners** * **Token Allocation**: Up to 5'000'000 DFIND * **Discount Rate**: 10% off the market price * **Vesting Schedule**: 10% immediate release, with the remainder vested over 18 months 2. **Market Expansion Partners** * **Token Allocation**: Up to 7'000'000 DFIND * **Discount Rate**: 12% off the market price * **Vesting Schedule**: 12% immediate release, with the remainder vested over 20 months 3. **Regulatory and Compliance Experts** * **Token Allocation**: Up to 5'000'000 DFIND * **Discount Rate**: 8% off the market price * **Vesting Schedule**: 5% immediate release, with the remainder vested over 16 months Private Round 2 is targeted to attract partners in specific areas that are pivotal for our next development phase. The pricing strategy remains sensitive to market dynamics, ensuring that terms are aligned with current market valuations and future projections. This approach not only secures the necessary resources for our immediate operational needs but also strengthens our strategic positioning in the industry, ensuring sustained growth and innovation. By layering our investment phases and carefully selecting our partners, we ensure that each round of funding brings us closer to our long-term vision of becoming a leader in the DeFi and lending space. This strategy enables us to maintain momentum, continuously build value, and strategically use our growing resources to overcome challenges grow partnerships and expand the scope of the project **Liquidity and Exchanges -** 21'000'000 DFIND (10%) Ensuring sufficient liquidity on both decentralized and centralized exchanges is crucial for market stability. These tokens will be used for initial liquidity provision and covering costs associated with listing on major exchanges. Adequate liquidity supports smooth trading and minimizes price volatility. However, inefficient use of these tokens could lead to inadequate market depth, and over-reliance on a few exchanges can pose risks if they face regulatory or operational issues. Liquidity is distributed on exchanges by the team with Advice of MM. 1. **Ensure Market Stability:** By providing sufficient liquidity on both centralized and decentralized exchanges. 2. **Building Investor Confidence:** Adequate liquidity and monitor the price slippage. 3. **DEXs and CEXs Token deployment:** Distribution of tokens across a mix of decentralized and centralized platforms is imperative to tap into different market segments and reduce reliance on any single exchange. 4. **Staggered Lease Scheduale**: Token releases are to be timed with significant project milestones such as the launch of new features, completion of development phases, or expansion into new markets. 5. **Market Growth Indicators**: Distribution is reliant on key indicators such as user adoption rates, trading volume growth, and overall market conditions. Additional liquidity will be introduced in response to positive trends that indicate a healthy increase in demand. 6. **Phased Distribution**: Initial release proportion of liquidity tokens around 25%, has been released to establish baseline market liquidity. In subsequent phases **t**he remaining 75% will be distributed in increments, each contingent on ongoing review and assessment of market conditions and project needs. **Team and Advisers -** 21'000'000 DFIND (10%) Tokens allocated to the team and advisers are intended to incentivize and retain top talent. The vesting schedule involves a one-year lockup, followed by vesting over four years with quarterly releases. This aligns the team’s interests with the long-term success of the project. The primary risks include key team members leaving before vesting completes, affecting project continuity, and potential negative market perception due to large insider holdings. **Vesting Schedule for the Team:**\ **-Cliff: 1** year\ -**Vesting Period**: 36 months\ -**Distribution Method**: yearly vesting\ -**Performance-Based Milestones:** Additional token releases upon achieving predefined project milestones or successful deployment of joint initiatives. **Ecosystem and Partnerships -** 31'500'000 DFIND (15%) The strategic allocation to the Ecosystem and Partnerships is a fundamental component of our growth strategy. This allocation aims to catalyze and sustain the expansion and enrichment of our ecosystem through carefully selected partnerships and development projects. Let’s delve deeper into how these tokens will be utilized, managed, and the methodologies implemented to mitigate associated risks. **Vesting Schedule for partners:**\ **-Cliff:** 6 months\ -**Vesting Period**: 36 months\ -**Distribution Method**: Quarterly vesting\ -**Performance-Based Milestones:** Additional token releases upon achieving predefined project milestones or successful deployment of joint initiatives. **Reserves and Treasury -** 54'980'647 DFIND (26%) The largest allocation is reserved for ensuring the long-term sustainability of the project and the ability to respond to unforeseen challenges. These tokens are locked for one year and then gradually released over five years. This reserve can fund future initiatives, expansions, or emergency needs. Effective governance mechanisms are required to manage these large reserves responsibly. Careful management is necessary to avoid market shocks from large releases. #### 1. **Additional Staking Rewards: B**onus rewards for early participants in the staking program to quickly ramp up the staked supply, which enhances network security. Additionally time-limited staking rewards aligned with significant project milestones or promotional events, which can help maintain community interest and participation. #### 2. **Liquidity Needs: in order to e**nsure that the liquidity allocation remains invaluable in needed sufficient market liquidity to facilitate smooth trading and minimize price volatility. The reserve to fund AMM on decentralized exchanges to ensure constant liquidity regardless of external market conditions. Ensure they provide liquidity pools for the token, possibly incentivizing them with a share of trading fees or dedicated tokens. #### 3. **Capital Raising Rounds needs: In case there is a need to secure** additional funding to sustain and accelerate the project's development. #### 4. **Onboarding of More Team Members and Partners: When hiring** key roles that bring essential skills and experience, particularly in blockchain technology, marketing, and business development we will offer token rewards packages **Functionality and Features** **Voting on DAO:** * *Governance Participation*: DFIND tokens empower holders to participate in the governance of the Definder platform through the Decentralized Autonomous Organization (DAO). Token holders can propose and vote on key decisions, such as budget allocations, project approvals, and strategic initiatives. This ensures a democratic and decentralized decision-making process, giving the community a direct influence on the platform's development and direction. * *Proposal Creation*: Token holders can create proposals for new features, partnerships, or changes to the platform. These proposals are then voted on by the community, ensuring that only the most beneficial and popular ideas are implemented. **Staking:** * *Earning Reward*s: DFIND tokens can be staked to earn rewards, providing an incentive for long-term holding and participation in the network. Staking helps secure the network and ensures liquidity, contributing to the overall health and stability of the ecosystem. **Rewards:** * *Community Engagement*: Tokens are distributed as rewards to community members who actively contribute to the platform. This includes participating in governance, providing feedback, promoting the platform, and completing various tasks and challenges. * *Incentives for Contribution*s: Contributors to the platform, such as developers, content creators, and marketers, are rewarded with DFIND tokens. This incentivizes ongoing contributions and fosters a vibrant and active community. * *Access to Exclusive Opportunities:* Holding DFIND tokens grants access to exclusive investment opportunities, early access to new features, and participation in special events and promotions. * *Discounts and Benefits*: Token holders may receive discounts on platform fees, transaction costs, and other services offered by Definder, enhancing the value of holding and using the tokens. **Burning Mechanism:** * We will use a percentage of profits to burn the tokens each month. * 5-10% of profits are burnt. **Conclusion** This strategic tokenomics plan is designed to ensure the growth, stability, and long-term success of Definder Platform. By carefully managing the distribution and vesting schedules, engaging the community, and enhancing the utility of the DFIND token, the plan fosters a robust and active ecosystem. This approach not only supports the overall goals of the Definder Platform but also enhances the value and attractiveness of the token for current and future investors. # System Overview **DF Platform is decentralised RWA investment platform structured to facilitate investments between real estate project and investors through blockchain technology.** \ \ The idea of the Definder Platform is to connect Real Projects in need of financing with a savvy Web3 investors interested in stable secured returns. open access to Numerous Real World investment opportunities for Crypto holders. DF Platform aims to facilitate and accelerate real estate and other real-economy assets funding transactions and to eliminate all burdensome steps that make onboarding or operating difficult for both Users and Businesses.

Definder Platform

The Definder Platform revolutionizes real estate investment by integrating advanced blockchain technology, making it accessible and efficient for a global audience. Built on the Binance Smart Chain, the platform offers a decentralized Real World Asset (RWA) investment environment designed to connect real estate projects with Web3-savvy investors seeking stable, secured returns. Our platform eliminates traditional barriers to investment, offering a streamlined, transparent process that enhances user experience and investment security. **Core Components** 1. **Decentralized Autonomous Organization (DAO)**: Central to our governance framework, the DAO empowers token holders to make key decisions, from project approvals to budget allocations. This ensures that our operations are transparent and aligned with our community’s interests. 2. **Smart Contracts**: The backbone of our transaction system, smart contracts facilitate legally binding agreements automatically. These contracts execute transactions, distribute funds, and manage repayments, enhancing the efficiency and security of investments. 3. **Definder Marketplace**: This marketplace serves as the platform where vetted real estate projects are listed and funded. It bridges the gap between investors and developers, providing detailed project information and investment opportunities. 4. **DFIND Tokens**: Serving multiple roles within the ecosystem, DFIND tokens are used for voting in the DAO, accessing special platform features, and conducting transactions, fostering a robust user engagement and reward system. 5. **Multi-signature Wallets and Compliance**: To safeguard transactions and enforce platform integrity, all operations are secured through multi-signature wallets, requiring multiple verifications before funds are disbursed. The platform adheres to strict compliance checks, including legal ownership verification, financial due diligence, and ongoing project monitoring. **Innovative Technology Integration** Leveraging the speed and scalability of the Binance Smart Chain, Definder ensures that all transactions are fast, secure, and cost-effective. The decentralized ledger records all transactions, providing immutable evidence of all operations, which is crucial for transparency and trust. **Simplified Onboarding** The platform simplifies the onboarding process, requiring minimal information from users to start engaging with the system. This approach not only speeds up the investment process but also lowers entry barriers for new investors. Detailed due diligence and project data are readily available, ensuring investors can make informed decisions with ease. **Governance and Participation** Investor participation is facilitated through a simple yet secure process: by depositing tokens into their wallets, users gain voting rights and the ability to invest directly in projects. This straightforward mechanism ensures that investors can quickly engage with opportunities as they arise. # System Components Definder system facilitates an innovative ecosystem for investors and real estate developers by blending liquidity pools, a Decentralized Autonomous Organization (DAO), and smart contract functionality. This section delves into the intricate workings of the Definder system, illustrating its functionality, components, and the seamless interaction between different parts of the system.
### **Introduction** The emergence of blockchain technology has paved the way for novel financial instruments and platforms, among which Definder stands out for its focus on real estate investment. By offering a decentralized platform, Definder aims to democratize access to real estate financing and investment, reducing barriers to entry and enhancing transparency and security for all parties involved. ### System Components of Definder **1. Decentralized Autonomous Organization (DAO)** The DAO is central to governance within Definder, allowing token holders to vote on crucial platform decisions, including project approvals and governance rule changes. This model ensures transparency and community-driven decision-making. **2. Smart Contracts** Smart contracts automate the execution of transactions and agreements, including fund distribution and interest payments, enhancing security and efficiency within the Definder ecosystem. **3. Definder Marketplace** The Definder Marketplace is where approved real estate projects are listed. It acts as a bridge between investors looking for opportunities and developers seeking financing, showcasing projects that have passed the DAO's scrutiny. **4. Definder Token (DFIND)** DFIND is the native token of the Definder platform, used for voting on DAO proposals, receiving bonuses, and making payments within the system. It's a pivotal element that facilitates community engagement and rewards within the ecosystem. **5. Payment Processing Partners** To ensure seamless transactions, Definder collaborates with payment processing partners. These partners assist in the off-ramp of digital assets, enabling users to convert their digital holdings into traditional currencies effortlessly. **6. Centralized Exchange (CEX) - Whitebit** Whitebit serves as a centralized platform where users can purchase DFIND tokens. It provides a secure and user-friendly environment for those preferring traditional exchange models. **7. Decentralized Exchange (DEX) - PancakeSwap** For users inclined towards decentralized trading, PancakeSwap offers a platform to buy DFIND tokens in a decentralized manner. It supports the ethos of Definder by providing an option for trustless, peer-to-peer transactions. ### **1. Project sourcing and selection** The first step in the Definder system involves developers submitting their projects to Definder team for review. This process requires business to provide comprehensive information about their projects, including plans, financial projections, and risk assessments, to facilitate thorough due diligence. Once a project is submitted, the Definder Decentralized Autonomous Organization (DAO) plays a crucial role in the review process. ### 2. Project approval Token holders within the DAO are empowered to vote on whether a project should be approved for financing. This democratic approach ensures that only projects meeting the community’s standards and expectations receive funding, aligning project selection with investor interests and platform integrity. ### 3. Financing Smart Contract Deployment Upon receiving approval from the DAO, projects are listed on the Marketplace. All the projects on the Marketplace are open for financing. Each of them has a representative Lending Smart Contract live and open for investing. Smart contracts duplicate the Lending terms have a representative smart contract in the back end. Smart Contracts include all the terms of the loan and dictate the Lending Between the User and the Project. **Smart contract includes:** \ \ -**Minimum Raise Amount**: the minimum amount that could be raise for the round of financing for the project. \ [
](#user-content-fn-1)[^1]-**Maximum Raise Amount**: the total amount that the project could use for the current needs (the minimum and the maximum could be the same). \ \ -**Total Amount to Be Returned**: This field represents the total amount that the project will have to return by the end of the loan repayment (loan + interest).\ \ -**Start of Funding**: Beginning date of when the contract will be open for accepting financing.\ \ -**End of Funding**: End date of when the contract will no longer accept financing.\ \ -**Interval Payments Amount**: The amount that the project will have to pay on monthly basis. \ \ -**Interval Payment time frame** : Which time frame would require the project to pay the "interval amounts"(monthly, weekly, quarterly).\ \ -**Number of Periods**: How many periods is the project required to pay the "interval amounts".\ \ -**Possibility of Early Repayment**: The time frame for when the project has an option to repay the "Total Amount to be Returned" (if the project has this option it would be presented in the project details)\ \ -**Platform Rate**: The commission of the platform that would be charged on the returns that User makes from the project returns 4%.\ \ -**3 different wallets for the Multi-signature withdrawals**: The protection mechanism. Each smart contract has wallets that are recorded upon deployment are to be called up on to confirm any withdrawals of funds from the smart contract. These wallets include one wallet from the Project side, One wallet from the Definder side, one wallet from an independent third party or an accountant. \ \ -**Return function**: smart contract has an option to return all the funds without closing the contract. The function is to return the funds to the wallets that have invested into the Smart contract. The funds cannot be sent to any other wallet then the one that was used for the investment and can only be returned in the same currency. The function doesn't allow for selected investors to receive the funds back. ### 4. Project financing Following the vote and deployment of the smart contract the Project is listed on the "Marketplace" where will be open for financing. The project cards represent each individual project that is available. The project card shows the status of the project (financing, Voting, Rejected, Completed), Period of the loan, and the ROI (Return On Investment), and investments raised for the project. Each is opened for a limited time - meaning from the moment that the round is open there is a timer that is shown this is normally within 1-3 months rage. This is a period of raising the funds. If after this period the "Minimum Raise Amount" is not reached the project will either:\ **1. Be receive an financing extension of an additional period of 1-3 months.**\ **2. Be relisted on the DAO to vote whether to refund the current investments and close the project.**\ **3. Be relisted on the DAO to vote on Relisting the project back to the marketplace for an extension keeping the current funds.**\ **4. Be relisted on the DAO to vote on Relisting the project but refunding the project on the Marketplace with the amount that has been raised refunded back to the initial investors.**
When the project is financed completely the funds are available for the Project to withdraw. Through a Multi-signature authorisation. ### 5. Multi-signature Fund withdrawal To withdraw the funds from the "Lending Smart Contract" any party has to receive authorisation from each of the multi-signature wallets. These wallets include one wallet from the Project side, One wallet from the Definder side, one wallet from an independent third party or an accountant. This is realised at the Administrative Panel.
One of the wallets can initiate an withdrawal from the lending contract. The request could be for the whole sum or for a portion. In order for the quest to be accepted the asking party has to present the documentation that would support what the funds are going to be used for. Following the review the all three parties have to green-light the withdrawal before any more is sent out of the contract. As soon as any funds are withdrawn the Repayment Period timer commences. When the funds are withdrawn the the first "Interval Payments Amount" would be due at the end of the first "Interval Payment time frame" from the moment of the first withdrawal. ### 6. Interest Repayment A critical component of the Definder ecosystem is the mechanism for interest repayment. Projects are obligated to make periodic "Interval Amount Payments" to investors or share a portion of the project’s revenue, as dictated by the "Lending Smart Contract". The funds are to be paid by the Project directly back into the Smart contract. Once the funds are transferred to the Smart Contract. As soon as the funds enter the Smart Contract they are distributed amongst the investors proportionally. These are executed by the smart contract and happen in real time directly to the investor wallet from where the investment has been made..
### 7. Early repayment mechanism Projects might have an option to repay the loan amount earlier then the end of contract date. If this to happen the project must repay the "Total Amount to Be Returned". This includes the laon principle + interest rate. If the project is borrowing 100'000 USDT, at a 10% interest rate, 12 months period, with monthly payments, 6 months possible early repayment. The project has an option to repay the full sum at an earlier date - meaning that any time following a 6 month period the Project has a right to repay the full 110'000 USDT to the contract to close the debt early. This is proposed to allow projects more flexibility with refinancing and earlier gain options for the investors. ### 8. Missed payments In case the project misses payment for one reason or another there are number of mechanisms that are in place to protect the investors. Any missed payments are to be presented and explained to the investors. The project has a right to a payment delay within within a 5-Business day time frame with to actions from the enforcement parties. Alternatively, the following are to be used to protect interest of the investors: \ \ 1\. **Deposit** - When the project lacks relevant credibility it is asked to provide a deposit equivalent to 2 months of Interval Payments to a mutually agreed the custodial wallet. These funds are to be used in case of the missed payments.\ \ 2\. **The Withdrawals limits** - if the project does not present the invoices and the relevant paperwork for the funding withdrawal the funds remaining on the contract could be used to repay the interest payment on behalf of the project which the project then has to cover. \ \ 3\. **Collateral** - the collateral is presented and listed on the project card. The collateral is to be used in case there are 3 consecutive missed Interval Payments. The collateral will be taken into custody by the Custodial agent and sold to provide returns back to the investors following the sale. [^1]: # DAO Definder DAO's structure provides an innovative approach to governance in real estate investment. It incentivizes active participation through a tiered voting system, enhancing the influence of dedicated community members. The integration of a gamified voting mechanism with a robust project vetting process by DFIND ensures that investments are not only democratically decided but also align with compliance and due diligence standards. This approach fosters a balanced combination of community engagement and expert oversight in the decision-making process. ### Governance Structure **- Hybrid Model:** Definder DAO combines hierarchical elements with participatory incentives. The more active a user is in the system, especially in voting, the more influential their vote becomes. **- Initial Voting Power:** Upon registration, each user is allocated a default voting power worth $1000. **- Additional Funds Contribution:** Users can increase their voting power by adding funds to their wallet within the system. For instance, adding $100 to the wallet increases the vote value to $1100. ### Voting process {% embed url="" %} The voting mechanism is designed to balance fairness and influence. All users have a base vote value, but active participants gain higher voting power. **Voting Power Calculation** Your Voting Power is defined by this formula: ``` Voting Power = (Base Vote + Wallet Amount) x Tier Multiplier ``` Where: ***Base Vote:*** Fixed at $1000 for all users ***Wallet Amount:*** The dollar amount of DFIND tokens held in your platform wallet ***Tier Multiplier:*** Starts at 1x and increases for higher tiers For example: * User A has $2,000 DFIND in their wallet * They are at Tier 1 level * So their Voting Power is: ``` ($1000 base vote + $2000 wallet) * 1 (Tier 1 multiplier) = $3000 ``` **Tier Multipliers** Higher tiers amplified voting power and benefits via the multiplier: * Tier 1 - Base : 1x * Tier 2 - Engaged : 1.5x * Tier 3 - Active: 2.5x * Tier 4 - Leader: 5x **Definder's hybrid governance couples community participation with expert guidance for informed decisions. Projects are vetted before moving for communal vote, balancing engagement with oversight.** ### Voting System **- Active Voting Periods:** The DAO has designated periods during which users can vote on specific projects or decisions. **- Project Voting:** Users primarily vote on real estate projects that the DAO might invest in. **- DFIND Network:** The DFIND network presents the terms and the projects for the DAO to review and to vote. ### Investment Mechanism \- Combination of Lending Pools and Direct Investments: Investments from the DAO are channeled either through lending pools or directly from users, focusing on selected real estate projects. # Marketplace Introduction to the Definder Marketplace **The Definder Marketplace is a decentralized platform designed to facilitate direct lending activities between peers.** Projects that are accepted by the Decentralized Autonomous Organization ( DAO) are listed on this marketplace, where they become accessible to potential investors. Each listed project generates a unique smart contract containing specific lending terms, which are recorded on the blockchain. This ensures transparency, security, and immutability of the terms agreed upon. Investors can participate by using USDT to invest directly into the projects listed on the platform. The process is straightforward and user-friendly, making it accessible to a wide range of participants. Once a project has accumulated sufficient investment funds, it can request a withdrawal. This withdrawal is not immediate but requires multisignature authentication, adding an additional layer of security and trust to the transaction. **Marketplace overview** {% embed url="" %} **Marketplace** The marketplace shows all the available the completed projects for the users to review. Each card represents a business or a project with a respective Smart contract behind each card. The marketplace has two filter systems one is based on the Project Type and second is based on the Status of the project.
### Project Type **-Residential:** Includes various types of residential properties such as apartments, single-family homes, and multi-family complexes. Investments might focus on new developments, renovations, or refinancing of existing properties.\ **-Mobility:** Encompasses investments related to transportation infrastructure, vehicle fleets, and emerging technology in transport such as electric vehicle charging stations or autonomous driving technology ventures.\ **-Retail:** Includes shopping centers, retail parks, and individual store units. Investments may focus on prime locations with high foot traffic or specialized markets with niche consumer bases.\ **-Hospitality:** Covers hotels, resorts, and other short-stay accommodations. This category may also include leisure facilities such as spas, golf courses, and event spaces.\ **-Tech:** Focuses on real estate assets that cater to the technology sector, including data centers, tech parks, and properties suited for startups and established tech firms. ### Project Status -**Voting**: Project that are currently open for voting\ -**Financing**: Projects that are currently open for investments\ -**Coming Soon**: Projects that will be open for financing soon\ -**Complete**: Historical data of completed projects
## Project Card
## Project Card elements **Each project card consists of the following elements**:\ -**The name**: The name includes the type of financing the project is looking for and information about the company borrowing.\ -**Location**: Location of the business and/or the team.\ -**Current amount raised**: The amount that is currently raised for the project's financing needs.\ -**Progress bar**: Progress bar that represent the total amount that is raised for the current round of financing.\ -**The Status of the project**: Is represented by the Icon in the bottom left corner it represent the status between (Voting, Financing, Coming Soon, Complete).\ -**Total Riase**: The target amount to be financed by the community.\ -**Period**: The amount of payment that the project will provide after the total amount is raised. Meaning that if the Period is 12 months then it means that the project will require 12 months to complete repay the loan + interest. The period starts form the moment the full amount of the Total Raise is complete.\ -**ROI**: Return on Investment (ROI) Represents a percentage return that the user is expected to receive on an Annual basis. The percentage represents the interest rate that the investor can expect to generate from the investment by the end of the period. ### Project Details After pressing on any project card the user will be taken to the Project Details Page. Here all the necessary information about the project is presented.
**Elements:**\ -**Project socials:** Links to the project website and all the relevant links to the Social Media pages that could be accessed by simply clicking on the links.\ -**Project Photography:** Images that show the current status and the future plans for the project\ -**Investment Summary:** the summary of the terms and the details associated with the investment. This provides all the necessary information that the investor might need to understand the opportunity. \ -**Project description:** Project description provides overview of the Market Opportunity and Growth Potential, Financial Overview and Investment Appeal, Location and Operational Strategy, Security and Risk Management, Financial Structuring and Projections, and Risk management. \ -**Investment Calculator:** That allows Users to calculate projected returns for investors\ -**Project documentation:** Supporting documentation that includes a project presentation, project business plan, Repayment Schedule, KYC of the business, and any other supporting documentation.
# Staking S**taking** is a contract that involves users to lock up a certain amount of cryptocurrency for a specific amount of time, in return the Users receive % rewards. Similar to getting an annual interest rate by keeping your money in the back. This process not only helps in validating transactions but also contributes to the robustness and stability of the platform's economic model. **How Staking Works:** Staking on the Definder platform allows token holders to earn rewards by depositing their tokens into a designated staking pool. These tokens then serve multiple functions: they help secure the network, provide liquidity, and enable holders to participate in platform governance. In return for their commitment, stakers receive rewards, calculated based on several factors that reflect their contribution to the ecosystem.
**Key Terms and Concepts:** 1. **Tokens Staked (Ts)**: Represents the quantity of DFIND tokens that an individual commits to the staking pool. The size of the stake directly influences the potential returns, with larger stakes typically earning higher rewards due to increased responsibility in network operations. 2. **Base Monthly Reward Rate (Pm)**: This is a fundamental percentage that determines the monthly rewards earned by stakers. Set at 3%, this rate applies to the tokens staked and serves as the baseline for reward calculations. 3. **Volume Multiplier (Vm)**: An adjustment factor that increases the staking rewards based on the percentage of the total token supply staked. This multiplier incentivizes larger stakes, aligning the staker’s rewards with their relative contribution to the network's security and liquidity. 4. **Staking Period Multiplier (Sl)**: Rewards long-term commitment by increasing the reward multiplier based on the duration for which tokens are staked. Longer staking periods signify a stronger commitment to the platform’s health and are thus rewarded accordingly. 5. **Early Unstake Penalties**: To maintain network stability, early unstaking (withdrawing tokens before the committed period ends) results in adjusted rewards. Stakers will receive rewards only for the complete months they participated, with a reduced rate, promoting longer staking durations for greater network reliability. Updated Staking Reward Formula: $$ Reward (DFIND) = 𝑇𝑠 × 𝑃𝑚 × 𝑉𝑚 × 𝑆𝑙 $$ Where: * Ts: Tokens staked by the user. * Pm: Base monthly reward rate (3% or 0.03). * Vm: Volume Multiplier, based on the number of tokens staked relative to the total supply. * Sl: Staking Period Multiplier, based on staking duration. Volume Multiplier (Vm): Encourages larger stakes with higher rewards. Based on the amount of token staked percentage of the total supply (Tt) of 210,000,000 DFIND: | Tokens Staked (Ts) | % of Total Supply | Volume Multiplier (Vm) | | ----------------------- | ----------------- | ---------------------- | | 0 – 10,500 DFIND | 0 – 0.005% | 1.00 | | 10,500 – 52,500 DFIND | 0.005% – 0.025% | 1.05 | | 52,500 – 109,000 DFIND | 0.025% – 0.05% | 1.10 | | 105,000 – 210,000 DFIND | 0.05% – 0.1% | 1.15 | | 210,000 – 525,000 DFIND | 0.1% – 0.25% | 1.20 | | 525,000+ DFIND | 0.25%+ | 1.25 | Staking Period Multiplier (Sl) Rewards longer staking commitments with higher multipliers: | Staking Period | Proposed Multiplier (Sl) | Effective APR (%) | | -------------- | ------------------------ | ---------------------- | | 1 Month | 0.75 | 3% × 0.75 × 12 = 27% | | 3 Months | 1.00 | 3% × 1.00 × 12 = 36% | | 6 Months | 1.15 | 3% × 1.15 × 12 = 41.4% | | 12 Months | 1.50 | 3% × 1.50 × 12 = 54% | | 24 Months | 2.00 | 3% × 2.00 × 12 = 72% | Example Calculation Scenario: * Tokens Staked (Ts): 50,000 DFIND. * Pm (Base Monthly Reward): 3% = 0.03. * Vm (Volume Multiplier): 1.10 (for 0.3% of circulating supply). * Sl (Staking Period Multiplier): 1.50 (for 12 months). 1: Monthly Reward calculation $$ Monthly Reward (DFIND)= Ts × Pm × Vm × Sl $$ $$ Monthly Reward (DFIND)= 50,000 × 0.03 × 1.10 × 1.50 $$ $$ Monthly Reward (DFIND) = 2,475 DFIND $$ 2: Annual Reward For 12 months, the total reward would be: $$ Annual Reward (DFIND) = Monthly reward × 12 = Annual reward $$ $$ Annual Reward (DFIND)= 2,475 DFIND × 12 = 29,700 DFIND $$ 1. Total Annual Return: * The annual reward for staking 50,000 DFIND tokens for 12 months would be 54 % annualized return with multipliers applied. 2. Sustainability: * With this structure, staking rewards remain sustainable for the over 3 year reconsidering the current Staking pool size (17'000,000 DFIND). Additional tokens could be added from the treasury if the staking program would yield great results. 3. Controlled Inflation: By adjusting Pm, Vm, or Sl, the staking program can remain scalable and adapt to market demand. Therefore the terms that are offered at the current are subject to change in the future. How Rewards Are Calculated 1. Base Monthly Rate (Pm): * The staking reward rate is 3% per month. This is applied to the number of tokens you stake. * The longer you stake, the higher your rewards, thanks to the Staking Period Multiplier (Sl). 2. Volume Multiplier (Vm): * The more tokens you stake, the higher the multiplier you earn. * For example, staking 100,000 DFIND tokens gives a 1.20 Vm, boosting your rewards. 3. Staking Period Multiplier (Sl): * This multiplier increases based on the length of your staking commitment. * For example, staking for 12 months gives a x1.5 Sl, while staking for 24 months gives a x2 Sl Early unstake If you decide to unstake before the staking period ends:\ Your rewards are calculated only up to the last fully completed month. * * For example, if you chose to stake:\ -50'000 DFIND tokens\ -12 months period\ -Early unstake after 7.5 months (only the first 7 months will count for rewards) Early unstaking formula:\ -Ts: Tokens staked by the user.\ -uPm: Early unstake % (1.5% or 0.015).\ -Vm: Volume Multiplier, based on the number of tokens staked relative to the total supply.\ -Cm: Complete months Its complete 30 day intervals from the moment the token has been staked. \ Total Early Unstake formula = Ts × uPm × Vm × Cm\ Total Reward (DFIND)= 50,000 × 0.015 × 1.10 × 7\ Total DFIND Reward on Early unstake = 5,775 DFIND
# Security ### **Multi-Factor Asset Protection** DF Platform employs rigorous multi-factor safeguards both preemptively and perpetually to establish and uphold asset security: ### **Preemptive Due Diligence** Each project soliciting community funding must qualify through intensive scrutiny across key metrics: **Forensically Audited Ownership** * On-ground verification of project ownership titles through reputed regional partners * Historical ownership lineage establishment identifying encumbrances * Title integrity insurance policy coverage **Independently Validated Accounts** * Audited financial statements from impartial third party services * Verified bank institutional partnerships **Collateral Commitments** * Mandatory collateralization through assets like property, cryptocurrency or inventory * Statutory valuations establishing conservative loan-to-value coverage thresholds * Perfectible liens on supplementary assets **Verified Credibility** * Founder credential corroboration through accredited background screening agencies * Documented track record of previous successful ventures **Regulatory Acceptability** * Project business model alignment confirmation with jurisdictional legal frameworks * Cross-border opportunity expansion pre-evaluation **Sustained Covenant Oversight** * Quarterly priority covenant monitoring through appointed custodial agencies * Open-book inspection flexibility access for investor community * Refinancing rate locks preventing capital restructuring without approval *** This two-pronged methodology combining diligent pre-commitment vetting and stringent post-investment oversight spurs principled, accountable and transparent utilization of community-allocated capital. # Tokenization **Asset tokenization is revolutionizing real estate investment by leveraging blockchain technology to fractionalize ownership into tradable tokens. This transformation enables more accessible, efficient, and transparent transactions, aligning with Definder's commitment to innovation and regulatory compliance in the EU.** \ Process involves creating a digital representation of ownership or interest in a tangible or intangible asset through a blockchain token. These tokens can represent a wide range of assets, from real estate and art to stocks and bond. The process leverages blockchain technology for its security, transparency, and the ability to create and trade tokens in a decentralized manner. Blockchain ensures that each token is unique, ownership can be verified, and transactions are immutable. One of the most significant benefits of tokenization is the ability to fractionalize ownership of expensive assets, like real estate. This means that an asset can be divided into many tokens, allowing multiple investors to own a portion of the asset, making investments more accessible to a broader range of investors. Tokenization can increase the liquidity of traditionally illiquid assets. By creating a market for digital tokens that represent ownership of or interest in an asset, buyers and sellers can more easily trade these tokens, thus increasing the asset's liquidity. The process can streamline transactions by reducing the need for intermediaries, lowering transaction costs, and speeding up settlement times. This efficiency is particularly beneficial in markets like real estate, which traditionally involve lengthy and complex transactions.Tokenization can provide investors worldwide access to markets and assets that they previously couldn't invest in due to geographic restrictions or high entry barriers. This global access can lead to more diversified investment portfolios.
### **The Process of Asset Tokenization with Definder:** 1. **Comprehensive Asset Information Integration**: Definder ensures all pertinent details about a real estate asset are securely stored on or linked to the blockchain. This includes leveraging decentralized oracles to bridge traditional databases with blockchain technology, ensuring accurate and real-time data representation. 2. **Navigating EU Regulations**: Adhering to the EU’s Markets in Crypto-Assets (MiCA) framework, Definder ensures all tokenization activities meet stringent regulatory standards. Implementing Anti-Money Laundering (AML) and Know Your Customer (KYC) protocols is crucial for compliance, often facilitated by specialized firms such as SumSub. 3. **Jurisdictional Analysis for Tokenization**: Identifying EU countries with supportive regulatory environments for blockchain and real estate investments is pivotal. Germany, the Netherlands, France, Estonia, Switzerland (despite not being an EU member), Spain, Ireland, Italy, Austria, and Poland are key focus areas due to their favorable conditions for blockchain innovation and real estate market dynamics. 4. **Tokenization Mechanics**: For each property, an LLC is created, and the property title is transferred to this entity. Definder mints unique NFTs for real estate assets, capturing property details, ownership rights, and compliance information on the Binance Smart Chain (BSC) due to its efficiency and cost-effectiveness. Metadata embedded in each NFT includes crucial information like property location, valuation, and legal documentation. 5. **Post-Tokenization Activities**: After tokenization, the focus shifts to distributing or selling the tokenized assets. When used as collateral in DeFi loans, the tokenized asset is transferred to a platform or protocol. The ongoing management of the physical asset and the tokens is essential, including maintaining the property and managing token-related information
### **Advantages of Real Estate Tokenization:** * **For Borrowers**: * **Enhanced Financing Access**: The tokenization process democratizes access to financing, bypassing traditional financial intermediaries and offering a more direct and efficient lending mechanism. * **Collateral Flexibility**: Tokenization allows for a broader range of assets to be used as collateral, from digital assets like cryptocurrencies to tangible assets such as real estate, broadening access to loans. * **Reduced Dependence on Credit**: The emphasis on collateral rather than credit history opens up financing opportunities for individuals and entities with limited or no credit records. * **For Lenders**: * **Passive Income Opportunities**: Lenders can earn passive income through interest payments from lending pools, presenting an attractive investment proposition. * **Diversification Benefits**: Tokenization and participation in lending pools offer lenders diversified exposure to various assets and borrowers, mitigating the risks associated with poor performance in individual investments. ### **Challenges and Considerations**: While the tokenization of real estate assets presents numerous advantages, it also poses challenges, including regulatory compliance, market acceptance, and the technical complexities of blockchain technology. Navigating these challenges requires careful planning, robust legal frameworks, and ongoing monitoring and management to ensure the success and sustainability of tokenized real estate investments. *** Definder's approach to real estate tokenization reflects a pioneering spirit in the intersection of blockchain technology and real estate investment. By adhering to regulatory standards, employing advanced technology, and focusing on strategic jurisdictions, Definder is at the forefront of offering innovative investment opportunities in the real estate sector.
# Lending pools A User-friendly hub where you can explore real estate lending strategies tailored to your risk appetite. **The lending pools in the Definder system function as targeted investment vehicles, enabling investors to engage in real estate lending under varying strategies and risk profiles. They offer a structured approach to real estate investment, backed by professional vetting, smart contract security, and a governance model that promotes investor participation and transparency.**
### 1. Creation and Strategy Development: * Each lending pool is created with a specific investment strategy, targeting different sectors of the real estate market (e.g., commercial, residential, hospitality). * Strategies are formulated based on market analysis, risk assessment, and potential ROI, and they dictate the pool's investment focus, risk profile, and expected returns. ### 2. Investor Participation and Contribution: * Investors contribute funds to a lending pool that aligns with their investment goals and risk appetite. * Contributions can be made in DFIND or USDT, offering flexibility in asset allocation. * Upon investing, funds are locked in the pool for the duration of the loan maturity period specified by the pool's strategy. ### 3. Risk Mitigation and Loan Security: * Each pool incorporates risk mitigation measures, primarily through collateralization of real estate assets and rigorous project vetting. * The Definder team, comprising auditors and real estate experts, assesses each project for risk and compliance before inclusion in a pool. ### 4. Interest Rate and Return Mechanism: * Interest rates for each pool are pre-determined based on the underlying strategy and agreement with borrowers. * The interest rate reflects the pool's risk-reward profile and is recorded in a smart contract associated with the pool. ### 5. Fund Allocation and Loan Disbursement: * Funds in a lending pool are allocated to real estate projects that fit the pool's investment strategy. * Disbursements to projects are controlled via multi-signature wallets, requiring approvals from designated signatories for fund release. ### 6. Loan Management and Repayment: * Loans issued from the pool have predefined terms, including interest repayment schedules and loan duration. * Borrowers make regular interest payments as per the terms, which are distributed to investors in the pool. * At loan maturity, the principal amount is returned to the pool and subsequently to the investors. ### 7. Multi-Signature Wallets for Security: * Each project funded by a lending pool has a dedicated multi-signature wallet. * Withdrawals from these wallets require signatures from both lender and borrower representatives, ensuring mutual consent and transparency in fund utilization. ### 8. Governance and DAO Integration: * Investment decisions in some pools may be subject to DAO voting, where investors vote on project funding. * This mechanism ensures investor participation in decision-making and aligns investments with community preferences. ### 9. Return on Investment and Exit: * Upon the completion of the loan term, investors receive their principal investment plus accrued interest. * The return is based on the pool's performance and the interest generated from the funded projects. ### 10. Transparency and Reporting: * Regular updates on project progress and pool performance are provided to investors. * These updates maintain transparency and keep investors informed about their investments. # Revenue Model The DFIND Network, operating under the Definder umbrella, is a robust crowd-lending platform designed to streamline real estate investments. Its business model is strategically crafted to generate revenue through various fee structures, ensuring sustainable growth and value addition for its users and stakeholders. | Fee | % | | ---------------------------------------------------- | ---------- | | [#id-1.-listing-fee](#id-1.-listing-fee "mention") | On Request | | [#id-2.-platform-fee](#id-2.-platform-fee "mention") | 4% | | [#id-3.-success-fee](#id-3.-success-fee "mention") | 2-5% | ### 1. Listing Fee: * Projects listed on the DFIND Platform could incur a listing fee, compensating for the manpower and resources used in due diligence and listing processes. * These fees cover the operational costs associated with vetting and showcasing real estate investment opportunities on the platform. ### 2. Platform Fee: * A fee is charged on gains that the investors make on the Definder platform. This platform fee is an a charge that the investors pay from their gains to the platform contributing directly to the revenue of the DFIND Network. ### 3. Success Fee: * For successful fundraising the total amount the platform charges the Project upon the successful raise of the funds. * This is the main source of revenue for the platform and its charged directly from the project and is paid upon the raise. ### Additional Revenue streams #### **1. White-Label Solutions:** * **Platform Customization**: We aim to release a version of the Definder platform that can be easily customized and branded for other businesses. This includes user interface adaptability, feature toggling, and integration capabilities with third-party services. * **Licensing Model**: Establish a licensing model that allows other companies to use the white-label platform under their brand. This model could include a one-time setup fee plus ongoing monthly or annual licensing fees. Charge a one-time setup fee of $10,000 for initial platform customization and integration. Offer this as an optional service at $500 per month, including regular updates and technical support. #### 2. **Tokenization of Real Estate Assets:** * **Tokenization of Assets**: Includes the set up issue and monitoring of the Real Estate assets. The process to help open entities, audit the assets and issue the respective tokens representing the asset value in return for the service payments. * **Service Model**: the service model is based around the one time charge for the service. This could range from 5-25k depending on the complexity and jurisdiction of the project. ### *** The DFIND Network's business model is a sophisticated blend of revenue generation and token value maximization. By integrating listing, platform, and administrative fees with a proactive token burn policy, the network ensures a sustainable and growth-oriented ecosystem. This model not only supports the operational aspects of the platform but also incentivizes token holders through potential value appreciation. The DFIND Network thus stands as a dynamic player in the real estate investment domain, offering a well-rounded, financially robust platform for all its users. \
# Business Model **This platform concept merges lending pool functionalities with an integrated DAO voting system and a project marketplace. Central to the system are lending pools where users deposit funds into vaults to earn interest.**
**A vault** is essentially an on-chain "fund" or "lending pool" that aggregates tokens in a single address for the purpose of lending to Real World Projects. Each vault has its own strategy, such as hospitality or property development, and sets specific terms like interest rates (e.g., 5%, 10%), repayment schedules (monthly, quarterly, annually), and loan durations (6 months, 1 year, 2 years). Funds in the vault can be held in USDT or DFIND, but loans are disbursed in USDT to borrowers. Interest, principal, and fees are also remitted back to the vault. For loan disbursements, the vaults transfer USDT to a multi-signature wallet requiring at least two authorizations for withdrawals – typically from one or two Definder representatives and one from the project side. This mechanism ensures secure and justified fund allocation. {% hint style="success" %} **The DAO serves as the decision-making body for all projects.** {% endhint %} Before a loan is granted, DAO members vote on the project in the voting tab. Once a project passes this voting phase and if the vault has sufficient funds, it receives financing up to 90% of its requested amount instantly. The remaining 10% is listed on the "Projects" tab, functioning as a marketplace where lenders outside the pool can invest for a limited period. In the voting system, any platform participant can vote on projects. To participate, users must link their wallet to the Definder DApp and hold a minimum of $100 worth of DFIND tokens. Each participant's vote is valued at a base of $1000 plus the amount of DFIND they hold, ensuring a minimum vote value of $1000 for all, regardless of token holdings. *** Token holders not only wield voting power but also share proportionately in Definder's rewards. Active voters are rewarded with points, contributing to their tier ranking (four tiers in total). Higher tiers amplify vote value and increase the likelihood of receiving benefits from airdrops, giveaways, and other rewards. # #DFIND Definder Token **Definder Token (DFIND) issuance is limited to a maximum of 210,000,000 DFIND tokens and runs on the Binance Smart Chain.** {% hint style="warning" %} **Be Safe!** Never share confidential information. Our team will never ask for sensitive details. Avoid direct contact. Report any suspicious activity. {% endhint %} ## $DFIND Topen Symbol - $DFIND Token Decimal - 6 Network - BNB Smart Chain Token Address - [0xc3F202EF53C29d14472b894C824Ffa3061729fA0 ](https://bscscan.com/token/0xc3f202ef53c29d14472b894c824ffa3061729fa0) # Utility ## Core Functionalities * **Access to Platform Services:** DFIND tokens serve as the primary means of accessing various services within the Definder ecosystem. This includes participation in lending pools, direct project investments, and engagement in DAO voting. * **Voting Rights in DAO:** Holding DFIND tokens grants users the right to participate in the governance of the Definder system through the DAO. Token holders can vote on key decisions, including project approvals and strategic directions.\ \- Investment Opportunities: Users can utilize DFIND tokens to invest in real estate projects directly or through lending pools, enabling a seamless transaction process within the ecosystem. * **Fee Payment:** DFIND tokens may be used to pay for any applicable fees or charges on the platform, ensuring a streamlined user experience. ### Utility Token Characteristics * **Non-Speculative Use:** DFIND tokens are designed for utility within the platform, rather than for speculative trading. Their primary value lies in enabling participation and transactions within the Definder ecosystem. * **Not Equity:** Holding DFIND tokens does not equate to owning equity in the platform or having entitlement to profit sharing. The tokens facilitate platform engagement and access to services. * **Reward Mechanism:** In certain cases, DFIND tokens may be used as rewards for participation in the system, such as voting or active involvement in the DAO.
### Token Circulation and Management * **Limited Supply:** The total supply of DFIND tokens is capped, ensuring a controlled circulation within the ecosystem. * **Token Distribution:** Details on the distribution of DFIND tokens, including allocations for development, marketing, and reserves, are transparently managed. * **Sustainable Ecosystem Support:** The tokenomics are designed to support the sustainability and long-term growth of the Definder ecosystem.\
# Tokenomics
### Distribution Breakdown: **Total Tokens: 210'000'000** 1. Holders: 18'500'000 (9%) 2. Private Round 1: 42'000'000 (20%) 3. Private Round 2: 21'000'000 (10%) 4. Liquidity and Exchanges: 10'000'000 (5%) 5. Team and Advisers: 21'000'000 (10%) 6. Ecosystem and Partnerships: 21'500'000 (10%) 7. Reserves and Treasury: 55'000'000(26%) 8. Staking and community rewards: 21'000'000 (10%) ### **Detailed Use of Each Component** **Current Holders** -18'500'000 (9%) These are the tokens held by community and early investors. They have already been distributed amongst token holders. About 50% of tokens are held in staking contacts in return for % yield. About 10% are actively traded on exchanges with remainder help on a few wallets. **Private Round 1 -** 42'000'000 tokens (20%) The private round aims to attract strategic investors and partners who can provide more than just capital, such as advisory and networking benefits. Tokens in the private round priced at a discounted price from the market. The allocation is to be destributed over multiple rounds starting with the largest allocation at an earliest stage. The private round of the DFIND token offering, will be allocated to strategic, institutional, and anchor investors. This segment is designed to secure foundational investments that will support both the immediate funding needs and long-term objectives of the project. **1. Anchor Investors** * **Token Allocation**: Up to 15'000'000 DFIND * **Discount Rate**: 25% off the market price * **Vesting Schedule**: 20% with a 2 months cliff with the remaining vested over 24 months **2. Strategic Investors** * **Token Allocation**: Up to 10'000'000 DFIND * **Discount Rate**: 20% off the market price * **Vesting Schedule**: 15% with a 2 months cliff with the remaining vested over 24 months **3. Venture Capitalists and Institutional Investors** * **Token Allocation**: Up to 8'000'000 DFIND tokens * **Discount Rate**: 15% off the market price * **Vesting Schedule**: 10% with a 2 months cliff remaining vested over 18 months The private round pricing may be adjusted based on significant fluctuations in the market price of DFIND tokens leading up to the sale, ensuring the terms remain competitive and fair based on current market conditions. The private round is structured to attract substantial investments that can provide significant runway and resources for the project’s development phases. The tiered pricing and vesting schedules are designed to balance the investors' risks and rewards, ensuring long-term commitment and support. **Private Round 2 - 21**'000'000 DFIND (10%) Following the initial Private Round 1, the second phase of our private round strategy, **Private Round 2**, aims to build upon the strong foundation laid by the first. This subsequent round targets a broader spectrum of strategic partners and investors who can further enhance the project's market penetration and technological advancements. **Private Round 2** will allocate up to 21'000'000 DFIND tokens, focusing on deepening relationships with entities that bring not only funding but also unique capabilities such as technology integration, market access, and regulatory expertise. This round is especially crucial as it seeks to consolidate the initial gains and prepare the ground for expansive growth. 1. **Technology Partners** * **Token Allocation**: Up to 5'000'000 DFIND * **Discount Rate**: 10% off the market price * **Vesting Schedule**: 10% immediate release, with the remainder vested over 18 months 2. **Market Expansion Partners** * **Token Allocation**: Up to 7'000'000 DFIND * **Discount Rate**: 12% off the market price * **Vesting Schedule**: 12% immediate release, with the remainder vested over 20 months 3. **Regulatory and Compliance Experts** * **Token Allocation**: Up to 5'000'000 DFIND * **Discount Rate**: 8% off the market price * **Vesting Schedule**: 5% immediate release, with the remainder vested over 16 months Private Round 2 is targeted to attract partners in specific areas that are pivotal for our next development phase. The pricing strategy remains sensitive to market dynamics, ensuring that terms are aligned with current market valuations and future projections. This approach not only secures the necessary resources for our immediate operational needs but also strengthens our strategic positioning in the industry, ensuring sustained growth and innovation. By layering our investment phases and carefully selecting our partners, we ensure that each round of funding brings us closer to our long-term vision of becoming a leader in the DeFi and lending space. This strategy enables us to maintain momentum, continuously build value, and strategically use our growing resources to overcome challenges grow partnerships and expand the scope of the project **Liquidity and Exchanges -** 21'000'000 DFIND (10%) Ensuring sufficient liquidity on both decentralized and centralized exchanges is crucial for market stability. These tokens will be used for initial liquidity provision and covering costs associated with listing on major exchanges. Adequate liquidity supports smooth trading and minimizes price volatility. However, inefficient use of these tokens could lead to inadequate market depth, and over-reliance on a few exchanges can pose risks if they face regulatory or operational issues. Liquidity is distributed on exchanges by the team with Advice of MM. 1. **Ensure Market Stability:** By providing sufficient liquidity on both centralized and decentralized exchanges. 2. **Building Investor Confidence:** Adequate liquidity and monitor the price slippage. 3. **DEXs and CEXs Token deployment:** Distribution of tokens across a mix of decentralized and centralized platforms is imperative to tap into different market segments and reduce reliance on any single exchange. 4. **Staggered Lease Scheduale**: Token releases are to be timed with significant project milestones such as the launch of new features, completion of development phases, or expansion into new markets. 5. **Market Growth Indicators**: Distribution is reliant on key indicators such as user adoption rates, trading volume growth, and overall market conditions. Additional liquidity will be introduced in response to positive trends that indicate a healthy increase in demand. 6. **Phased Distribution**: Initial release proportion of liquidity tokens around 25%, has been released to establish baseline market liquidity. In subsequent phases **t**he remaining 75% will be distributed in increments, each contingent on ongoing review and assessment of market conditions and project needs. **Team and Advisers -** 21'000'000 DFIND (10%) Tokens allocated to the team and advisers are intended to incentivize and retain top talent. The vesting schedule involves a one-year lockup, followed by vesting over four years with quarterly releases. This aligns the team’s interests with the long-term success of the project. The primary risks include key team members leaving before vesting completes, affecting project continuity, and potential negative market perception due to large insider holdings. **Vesting Schedule for the Team:**\ **-Cliff: 1** year\ -**Vesting Period**: 36 months\ -**Distribution Method**: yearly vesting\ -**Performance-Based Milestones:** Additional token releases upon achieving predefined project milestones or successful deployment of joint initiatives. **Ecosystem and Partnerships -** 31'500'000 DFIND (15%) The strategic allocation to the Ecosystem and Partnerships is a fundamental component of our growth strategy. This allocation aims to catalyze and sustain the expansion and enrichment of our ecosystem through carefully selected partnerships and development projects. Let’s delve deeper into how these tokens will be utilized, managed, and the methodologies implemented to mitigate associated risks. **Vesting Schedule for partners:**\ **-Cliff:** 6 months\ -**Vesting Period**: 36 months\ -**Distribution Method**: Quarterly vesting\ -**Performance-Based Milestones:** Additional token releases upon achieving predefined project milestones or successful deployment of joint initiatives. **Reserves and Treasury -** 54'980'647 DFIND (26%) The largest allocation is reserved for ensuring the long-term sustainability of the project and the ability to respond to unforeseen challenges. These tokens are locked for one year and then gradually released over five years. This reserve can fund future initiatives, expansions, or emergency needs. Effective governance mechanisms are required to manage these large reserves responsibly. Careful management is necessary to avoid market shocks from large releases. #### 1. **Additional Staking Rewards: B**onus rewards for early participants in the staking program to quickly ramp up the staked supply, which enhances network security. Additionally time-limited staking rewards aligned with significant project milestones or promotional events, which can help maintain community interest and participation. #### 2. **Liquidity Needs: in order to e**nsure that the liquidity allocation remains invaluable in needed sufficient market liquidity to facilitate smooth trading and minimize price volatility. The reserve to fund AMM on decentralized exchanges to ensure constant liquidity regardless of external market conditions. Ensure they provide liquidity pools for the token, possibly incentivizing them with a share of trading fees or dedicated tokens. #### 3. **Capital Raising Rounds needs: In case there is a need to secure** additional funding to sustain and accelerate the project's development. #### 4. **Onboarding of More Team Members and Partners: When hiring** key roles that bring essential skills and experience, particularly in blockchain technology, marketing, and business development we will offer token rewards packages **Functionality and Features** **Voting on DAO:** * *Governance Participation*: DFIND tokens empower holders to participate in the governance of the Definder platform through the Decentralized Autonomous Organization (DAO). Token holders can propose and vote on key decisions, such as budget allocations, project approvals, and strategic initiatives. This ensures a democratic and decentralized decision-making process, giving the community a direct influence on the platform's development and direction. * *Proposal Creation*: Token holders can create proposals for new features, partnerships, or changes to the platform. These proposals are then voted on by the community, ensuring that only the most beneficial and popular ideas are implemented. **Staking:** * *Earning Reward*s: DFIND tokens can be staked to earn rewards, providing an incentive for long-term holding and participation in the network. Staking helps secure the network and ensures liquidity, contributing to the overall health and stability of the ecosystem. **Rewards:** * *Community Engagement*: Tokens are distributed as rewards to community members who actively contribute to the platform. This includes participating in governance, providing feedback, promoting the platform, and completing various tasks and challenges. * *Incentives for Contribution*s: Contributors to the platform, such as developers, content creators, and marketers, are rewarded with DFIND tokens. This incentivizes ongoing contributions and fosters a vibrant and active community. * *Access to Exclusive Opportunities:* Holding DFIND tokens grants access to exclusive investment opportunities, early access to new features, and participation in special events and promotions. * *Discounts and Benefits*: Token holders may receive discounts on platform fees, transaction costs, and other services offered by Definder, enhancing the value of holding and using the tokens. **Burning Mechanism:** * We will use a percentage of profits to burn the tokens each month. * 5-10% of profits are burnt. **Conclusion** This strategic tokenomics plan is designed to ensure the growth, stability, and long-term success of Definder Platform. By carefully managing the distribution and vesting schedules, engaging the community, and enhancing the utility of the DFIND token, the plan fosters a robust and active ecosystem. This approach not only supports the overall goals of the Definder Platform but also enhances the value and attractiveness of the token for current and future investors. # Regulatory Compliance ### Regulatory Compliance * **Utility Focus for Compliance:** As a utility token, DFIND is designed to comply with regulatory standards, focusing on its use within the Definder platform rather than as a tradable security. * **Ongoing Legal Oversight:** The Definder team continuously monitors regulatory developments to ensure DFIND token compliance.
# Token Holder Benefits * **Passive Income:** By lending the tokens DFIND token holders, rewarding them for their participation and investment in the ecosystem. * **Incentive for Long-term Holding:** This feature incentivizes the long-term holding of DFIND tokens, aligning the interests of token holders with the overall growth and success of the Definder ecosystem. * **Regular Updates:** Token holders receive regular updates and reports detailing calculations and distributions. * **Transparency in Revenues:** The Definder platform maintains high transparency in its revenue generation and distribution processes, providing token holders with clear insights into their profit shares. # Reward System ### Definder's Tier-Based Reward System and User Engagement
Definder enhances its platform with a tier-based reward system designed to further incentivize user participation in various platform activities. This multifaceted reward system complements the staking rewards by offering additional benefits for engaging in company activities. These activities include: * **Investing in Projects**: Directly funding real estate ventures listed on the platform. * **Voting in DAO**: Participating in governance by voting on project approvals and other decisions. * **Staking Tokens**: Locking DFIND tokens in staking contracts for specified periods. * **Referral System**: Inviting new users to join the Definder platform through a referral link. ### **Rewards and Benefits** Users who actively participate in Definder's ecosystem receive rewards that extend beyond traditional financial gains, encompassing: * **Bonuses**: Additional earnings on top of gains generated from investments on the platform. * **Exclusive Opportunities**: Priority access to select investment opportunities not available to all platform users. * **Event Invitations**: Invites to seminars and exclusive events, providing networking opportunities and insights into the real estate and DeFi sectors. * **Lottery Participation**: Points accrued from platform activities contribute towards a year-end lottery, enhancing users' chances of winning exclusive rewards. ### **Year-End Lottery and Unique Experiences** One of the most distinctive aspects of Definder's reward system is the annual lottery that offers community members the chance to win stays in luxury properties. This unique incentive is structured as follows: * **Property Access**: As part of Definder's real estate investments, arrangements are made for investors to have the opportunity to use selected properties for one week each year. * **Lottery Mechanism**: At the year's end, a lottery determines which community members will enjoy stays in these prestigious locations. * **Increased Winning Odds**: The more points a user accumulates through platform participation, the higher their chances of winning in the lottery. While the selection process remains randomized, accumulated points significantly impact the likelihood of winning. * **Luxury Stays**: Winners enjoy stays in luxury villas and properties, offering memorable experiences in some of the most sought-after locations. **Definder's tier-based reward system and the accompanying annual lottery exemplify the platform's commitment to creating a vibrant, engaged community. By rewarding active participation and offering unique experiences beyond financial gains, Definder fosters a sense of belonging and loyalty among its users. This innovative approach not only enhances user experience but also reinforces Definder's position as a pioneering platform in the intersection of real estate and Decentralized Finance (DeFi).**
# Staking **Introduction** Staking on the Definder platform is an integral feature designed to reward user participation, enhance platform security, and facilitate community governance. By staking Definder Tokens (DFIND), users can earn rewards, increase their voting power in governance decisions, and contribute to the ecosystem's growth and stability. ### **Staking Process and User Dashboard** 1. **User Dashboard**: Users access the staking feature through the user dashboard on the Definder platform. The dashboard provides a straightforward interface for depositing DFIND tokens into the staking contract, selecting the desired staking period, and monitoring staking rewards and performance. 2. **Stake Initiation**: To participate, users deposit DFIND tokens into a designated staking contract. This action is facilitated through a seamless process within the user dashboard, ensuring accessibility and ease of use for all participants. ### **Staking Periods and Rewards** 1. **Flexible Staking Periods**: Definder offers a variety of staking periods to accommodate different user preferences and strategies. Available options include: * 1 year (1y) * 2 years (3y) * 3 years (3y) 2. **Rewards Distribution**: Rewards are distributed in DFIND tokens, proportionate to the amount of DNT staked and the duration of the staking period. Longer staking periods typically offer higher reward rates, incentivizing long-term participation in the platform. 3. **Reward Calculation**: The platform calculates rewards based on the staked token amount and the selected staking period. This transparent mechanism ensures that users are fairly compensated for their contributions to the platform's liquidity and governance. 4. **Unstaking**: At the end of the lock-up period, users can choose to unstake their DNT tokens. Unstaking may be subject to a cooling-off period, after which users can withdraw their original stake plus any earned rewards. 5. **Security Measures**: To safeguard the platform and its users, staked tokens may also contribute to the platform's security. For instance, they might be used as a deterrent against malicious actions in the ecosystem. 6. **Staking Pools**: For users with smaller amounts of DNT or those looking to mitigate risks, Definder offers staking pools. These pools allow users to combine their tokens with others, sharing in the rewards and governance participation. ### **Integration with Definder's Ecosystem** * **Definder Marketplace**: Staking could be integrated with the Definder Marketplace, allowing stakers to receive preferential terms or bonuses on investments. * **Payment Processing and Exchanges**: Integration with payment processors and exchanges (CEX and DEX) facilitates the seamless acquisition of DNT for staking and the conversion of rewards into other currencies or tokens. ### **Enhanced Voting Power** 1. **Governance Participation**: Staked DNT tokens grant users additional voting power in the Definder DAO. This empowers stakers to have a more significant influence on key decisions, including project approvals, platform updates, and governance rule changes. 2. **Proportional Influence**: The extent of a user's voting power is directly proportional to the amount of DNT staked. This approach aligns users' influence in governance decisions with their stake in the platform, fostering a more engaged and committed community. # Roadmap **The team of Definder is committed to support operational activities and further develop of DF Platform according to roadmap:**
{% hint style="success" %} Definder is committed to full transparency with our community of users and investors. All changes and updates to the platform will be communicated directly to the community through our social media channels and via direct requests. {% endhint %} **2017–2024: Foundations & Growth** * Smartlands is founded * Beta version of the platform launched * Company restructuring and international expansion as Definder * Migration to Binance protocol * First project launch and STO in Nottingham, UK * Dapp updates: Lending Contracts, DAO voting, Staking Rewards, Security & Payouts * Strategic focus shift to Lending and DeFi **2025: Expansion & Innovation** * Launch of themed lending pools and gamification for investor engagement * Targeting $2 million USDT in project financing * Integration of fiat on/off ramps and cross-chain functionality * Expansion into new sectors: Hospitality, Clean Energy, Tech, and Commercial Projects * Expansion into high-growth regions: UAE, South Korea, Brazil * Introduction of staking, cross-chain investments, integrations, liquidity pools, games, and referral programs * Secure a European Crowdfunding License to boost compliance and credibility {% hint style="success" %} **Long-term Goal:** Become the #1 blockchain crowdfunding platform for real-world investments. {% endhint %} # Definder Real Estate **Definder's strategic focus on real estate stems from its recognition as a secure and reliable market for investments. This section of the white paper explores why real estate is a key area of focus for Definder and how it aims to democratize access to this lucrative market.** ### Accessibility to Real Estate Investment * **High Capital Requirement:** Traditionally, real estate investment requires substantial capital, often barring retail investors from entering stable markets. * **Definder's Solution:** By allowing investments as low as $100, Definder opens the doors of real estate investment to a wider audience, providing an alternative to riskier markets like stocks and cryptocurrencies. ### Diverse and Profitable Real Estate Opportunities * Wide Range of Assets: Definder focuses on a variety of real estate assets, ranging from traditional family homes and hospitality assets to alternative options like student housing pods and non-fixed spaces. * **High-Profitability Focus:** The platform selectively collaborates with projects that show inherently higher profitability, ensuring above-average returns for investors. * **Global Network Utilization:** Definder leverages a network of lawyers, regulators, and partners worldwide, accessing investment opportunities typically reserved for large players. * **Attractive Investment Offerings:** Through these global partnerships, Definder brings the most attractive and viable real estate investment options to its community. * **Consistent Demand:** Real estate markets are generally stable due to the consistent demand for housing and commercial spaces. * **Tangible Asset Security:** Unlike volatile markets like stocks or cryptocurrencies, real estate provides tangible asset security, offering a hedge against inflation and economic downturns. ### Geographical Focus and Market Viability * **Emerging and Developed Markets:** Definder targets both emerging markets with high growth potential and developed markets known for stability and consistent returns. * **Strategic Market Selection:** The platform's market selection is guided by thorough research and analysis, focusing on regions with favorable legal frameworks, economic growth, and investment security. *** Real estate, as a core investment vertical, offers a blend of stability, profitability, and growth potential. Through Definder's innovative approach, retail investors gain unprecedented access to a market historically dominated by large-scale investors. This democratization not only diversifies investment portfolios but also contributes to a more inclusive and robust global real estate market. # Real Estate Selection Definder's approach to selecting real estate assets for investment is a meticulous process designed to ensure only the most promising and secure opportunities are made available to our users. This process, integral to our commitment to due diligence, is streamlined into a few critical steps aimed at simplifying complex analyses and vetting procedures for inclusion in our white paper: **1. Comprehensive Market Research:** We begin by identifying potential investment properties across various sectors such as residential, commercial, industrial, and specialty real estate. Our target markets include families, young professionals, corporations, and small businesses, ensuring a wide array of investment opportunities. **2. Location and Economic Analysis:** Key to our selection process is a thorough examination of the property's location for its accessibility, amenities, and safety. We also dive deep into economic indicators, including local economies, property market trends, and demographic trends, to gauge potential growth and returns. **3. Legal Compliance and Regulatory Check:** Understanding the importance of legal due diligence, we scrutinize property and zoning laws, ensuring each asset complies with EU-specific regulations and other local legal requirements. **4. Identifying High-Growth Regions:** Our team focuses on regions demonstrating strong economic health, infrastructure development, and favorable real estate market data. This involves leveraging insights from key market players and utilizing comprehensive real estate databases for informed decision-making. **5. Rigorous Data Collection and Analysis:** We gather and analyze data on listed properties, conducting comparative and investment analyses to assess potential ROI and risks. This step involves shortlisting properties based on stringent criteria followed by an exhaustive due diligence process, including property inspections and legal document reviews. **6. Ensuring Investment Suitability through Due Diligence:** Our due diligence extends to in-depth market analysis, financial valuation, and legal scrutiny, ensuring each property is not only a lucrative investment but also aligns with our users' expectations and investment profiles. **7. Legal and Risk Management:** Acknowledging the complexities of real estate investment, we employ detailed legal processes for liquidation, dispute resolution, and enforcement actions. Our strategies are designed to safeguard investor interests, ensuring a secure and reliable investment platform. **Asset Ownership Verification:** Verifying asset ownership is crucial in our process, utilizing documents like title deeds, land registry extracts, and other pertinent legal documents to confirm the asset's legitimacy and ownership. *** **In Summary:** At Definder, our selection process is rooted in thorough research, legal compliance, and risk management, underpinned by an unwavering commitment to our users' security and investment success. Through our platform, we aim to bridge the gap in the market, providing access to well-vetted real estate investments that promise not only returns but also stability and security in the volatile investment landscape. Our process reflects our dedication to transforming real estate investment through decentralized finance, making it accessible, transparent, and efficient for all # Real Estate Valuation Identifying the value of a real estate asset on the Definder platform involves a multi-faceted approach that combines various valuation methods to ensure accuracy and reliability. This process is designed to accurately reflect the asset's market value, ensuring investors have a clear understanding of their investment's worth. ### **Weighted Average of Combined Asset Value** To ensure a balanced and comprehensive valuation, we employ a weighted average approach, combining the values derived from DCF analysis, comparable asset valuation, and construction cost valuation. This method allows us to consider various perspectives and market factors, ensuring a well-rounded valuation of the real estate asset. **Example:** If DCF analysis values a property at $1.2 million, comparable asset valuation at $1.1 million, and construction cost valuation at $1.2 million, a weighted average might lean more towards the DCF and construction cost valuations, given their relevance to the property's income potential and actual construction costs, respectively. * Offers a more rounded view by considering multiple valuation angles. * Weighting can be adjusted based on the relevance and reliability of each method for the particular property. * To be effective, it necessitates detailed calculations and adjustments across all methods. At Definder, valuation process is meticulously designed to provide a transparent, accurate, and comprehensive assessment of each real estate asset's value. By combining various valuation methods and incorporating an independent review, we ensure that the prices identified reflect the true market value of the assets. This rigorous approach allows us to maintain the highest standards of integrity and reliability, offering our community members confidence in the valuation and potential returns of their investments. # Discounted Cash Flow Method ### **Discounted Cash Flow (DCF) Analysis** DCF is a fundamental valuation technique where future cash flows are estimated and then discounted back to present value using a predetermined discount rate. This method is particularly useful for real estate investments as it considers the asset's future income potential, including rental incomes and eventual sale price, providing a comprehensive view of its profitability over time. **Example:** Consider a rental property expected to generate $50,000 annually in rental income, with a projected increase of 2% per year over a 10-year period. Assuming a discount rate of 5%, the DCF analysis calculates the present value of those future cash flows to determine the property's value today. **Advantages:** * **Future-focused:** DCF considers the property's income potential over time, making it ideal for long-term investments. * **Comprehensive:** It accounts for various factors like rental income growth and property value appreciation. **Challenges:** * **Complexity:** Requires assumptions about future cash flows, growth rates, and discount rates, which can be speculative. * **Sensitive to Inputs:** Small changes in assumptions can significantly affect the valuation outcome. # Comparable Asset Valuation ### **Comparable Asset Valuation** This method involves comparing the asset with similar properties in the same location that have been sold recently. By analyzing comparable sales, we can gauge market trends and price points, adjusting for differences in size, condition, and features to arrive at a fair value for the asset. **Example:** If a similar property in the neighborhood sold for $500,000 recently, adjustments will be made based on differences in size, location, and amenities to estimate the value of the target property. For instance, if the target property has an additional bedroom, the value might be adjusted upwards compared to the sold property. **Advantages:** * **Market-driven:** Reflects current market conditions and buyer preferences. * **Simplicity:** Easier to understand and apply than more complex valuation methods. **Challenges:** * **Availability of Comparables:** Depends on the presence of recent, similar transactions in the same area. * **Subjectivity in Adjustments:** Adjustments for differences between properties can be somewhat subjective. # Construction Cost Method **Construction Cost Valuation** For new developments or properties undergoing significant renovations, the construction cost valuation method is employed. This approach considers the total cost to build or renovate the property, including materials, labor, and overhead costs, plus an appropriate profit margin. This gives an insight into the asset's value from a replacement or reproduction standpoint. **Example:** The cost to construct a building might total $1 million (including materials, labor, etc.), with an additional 20% ($200,000) factored in for the developer's profit margin. The construction cost valuation of the property would thus be around $1.2 million. **Advantages:** * **Tangibility:** Based on actual costs incurred, providing a clear foundation for valuation. * **Useful for New Developments:** Offers a direct way to value properties that are newly constructed or extensively renovated. **Challenges:** * **Doesn’t Account for Market Conditions:** Construction costs may not reflect the property's market value, especially in a volatile market. * **Overlook Income Potential:** Particularly for income-generating properties, this method doesn’t consider the property's future income. # Legal Disclaimer ### **THIS DOCUMENT DOES NOT GIVE PERSONAL, LEGAL, OR FINANCIAL ADVICE. YOU ARE STRONGLY ENCOURAGED TO SEEK YOUR OWN PROFESSIONAL LEGAL AND FINANCIAL ADVICE.**
1\. The Definder Token (DFIND) White Paper is presented for informational purposes only and doesn’t constitute an agreement or other contract. 2\. Nothing in the Document shall be construed as an offer to sell or buy securities in any jurisdiction, a solicitation for investment, or investment advice. The present Document does not regulate any sale and purchase of the Definder Token (DFIND). The sale and purchase of the Definder Token (DFIND) is governed by the Terms and Conditions. 3\. Several estimates, phrases, and conclusions incorporated in the White Paper constitute forward-looking statements. Such statements or information concern matters that involve uncertainties and risks, which may result in material differences from the results anticipated. 4\. The White Paper may be updated or altered, with the latest version of the Document prevailing over previous versions, and we are not obliged to give you any notice of the fact or content of any changes. The latest version of the White Paper in English is available at the website . Although we make every effort to ensure that all data submitted in the White Paper is accurate and up to date at the point in time that the relevant version has been disseminated, the proposed Document is not an alternative to consulting an independent third-party opinion. 5\. The White Paper and the related documents may be translated into languages other than English. Should a conflict or an inconsistency arise between the English-language version and a foreign-language version, the English-language version of the Document shall govern and prevail. 6\. The White Paper does not constitute an agreement that binds DF Platform, its directors, officers, employees, and associates do not warrant or assume any legal liability arising out of or related to the accuracy, reliability, or completeness of any material contained in the White Paper. To the fullest extent permitted by any applicable law in any jurisdiction, DF Platform shall not be liable for any indirect, special, incidental, consequential, or other losses arising out of, or in connection with, the White Paper, including, but not limited to, loss of revenue, loss of income or profits, and loss of data. Persons who intend to purchase Definder Tokens (DFIND) should seek the advice of independent experts before committing to any action set out in the White Paper. 7\. You do not have the legal right to participate in the Definder Tokens (DFIND) digital asset public sale if you are a citizen, a resident of (tax or otherwise), or a green card holder of the United States of America (including Puerto Rico, the US Virgin Islands, and any other protectorate of the United States) or other representatives of the United States or any jurisdiction where the issue of Definder Tokens (DFIND) would be illegal or subject to any requirement for registration, licensing, or lock-up. "A representative of the United States'' means a naturalized person resident in any of those jurisdictions or any institution organized or registered in accordance with the laws of any of those jurisdictions. According to the laws of the United States, citizens of the United States living abroad can also be considered "US representatives'' under certain conditions. 8\. The team can make additions to the above document if it does not contradict the logic and business model of the platform, and will also be aimed at improving the technology of product promotion and project scalability. \
# Step-by-Step Guides Here, we’ve compiled all the essential guides to help you navigate and make the most of the DF Platform. Whether you’re learning how to participate in the DAO voting system or exploring how to invest in projects, these tutorials are designed to provide clear, easy-to-follow instructions for a seamless experience. {% content-ref url="/pages/SJGWDF0wL5lWP20Z7J3q" %} [How to Vote in DAO System](/df-platform-white-paper/need-help/step-by-step-guides/how-to-vote-in-dao-system) {% endcontent-ref %} {% content-ref url="/pages/5HMg02GldlyswJT2Eu1F" %} [How to Invest in Projects](/df-platform-white-paper/need-help/step-by-step-guides/how-to-invest-in-projects) {% endcontent-ref %} {% content-ref url="/pages/ZxtWRdAWWxSCUqV6s9Y8" %} [DFIND Staking](/df-platform-white-paper/need-help/step-by-step-guides/dfind-staking) {% endcontent-ref %} #### [🖇️ How to Connect Metamask to DF Platform](https://drive.google.com/file/d/1024y84w7Sl1ApaFvi-R7niydgLKAJpGa/view?usp=drivesdk) # How to Vote in DAO System Make your vote count in 5 easy steps #### Participating in our Decentralized Autonomous Organization (DAO) is super easy. Every vote you make goes through smart contracts and is instantly reflected on the DAO project page. It’s all done in real-time, so you can see the impact of your vote right away. It’s straightforward and step-by-step. ## **Video Guide:** {% embed url="" %} ## **Text Guide:** ### **Step 1: Access the DAO Voting System** 1\. Log in to the DF Platform using your registered account. {% embed url="" %}
2\. Navigate to the DAO Voting System section in the top navigation bar. {% embed url="" %}
Browse through the available voting categories: Residential, Mobility, F\&B, Retail, Tech, etc. Select the category of your choice (e.g., Mobility). ### **Step 2: Choose a Project** 1\. Scroll through the listed projects under the selected category. 2\. Each project card will show: • Location (e.g., Zurich, Switzerland). • Total Raise, Period, and ROI. • Current Voting Status (e.g., “Voting”). 3\. Click on the project you wish to vote on (e.g., Electric Vehicle Acquisition – Ox Drive LLC).
### **Step 3: Review the Project Details** 1\. On the project page, you’ll see detailed information: • Project Title and Category. • Description and documents (e.g., PDFs like pitch decks). • Voting status with a breakdown of: • Votes In Favor. • Votes Against. • Wallet information and vote power. 2\. Read through the project’s description and attached documents for informed decision-making. {% hint style="danger" %} Ensure your wallet is connected: • Check the wallet section in the top right corner (e.g., “Metamask connected”). • Verify your wallet address and available voting power. {% endhint %} ### **Step 4: Cast Your Vote** 1\. In the Voting Panel on the right side: • Choose your stance: • In Favor (support the project). • Against (oppose the project).
2\. Click the button to confirm your vote (e.g., In Favor). 3\. A confirmation will appear indicating your vote has been submitted (e.g., “You voted!”). ![](https://4142915859-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2Fnei8n0S53J2pPpK4SIp5%2Fuploads%2Fer31uWndZcfXhAEZ6JOt%2FIMG_5740.jpeg?alt=media\&token=fe9f8c7d-1c11-4930-83de-d710e58c6aca)
### **Step 5: Track Voting Progress** 1\. After voting, the page updates to reflect your participation. 2\. Monitor: • Updated vote count in favor and against. • Remaining voting period (e.g., “12 days to go”). 3\. You can return to the DAO Voting System page anytime to track other projects and your votes. # How to Invest in Projects #### Our investment process guide walks you through exploring projects on the Definder Marketplace, understanding investment terms, and using smart contracts for secure transactions. Plus, don’t forget about our multi-signature wallets that keep your investments safe. It’s all designed to make your investment journey smooth and transparent. ## **Video** Desktop **Guide:** {% embed url="" %} ## **Video** Mobile **Guide:** {% embed url="" %} ## **Text Guide:** ### Step 1: Log In and Navigate to the Marketplace 1\. Go to the DF Platform homepage and log in using your account credentials. {% embed url="" %} 2\. From the top navigation bar, click on the Marketplace tab to view available projects.
3\. Browse through the projects by category (e.g., Residential, Mobility) or by status (e.g., Financing). ### Step 2: Select a Project 1\. Review the available projects. Each project card displays: • Target Raise: The total amount required for the project. • ROI (Return on Investment): Expected returns. • Investment Period: Duration of the investment. 2\. Click on a project card (e.g., Apartment - Central Riga) to open the detailed project page.
### Step 3: Review Project Details 1\. On the project detail page, review: • Target Raise and the percentage funded so far. • Annual Percentage Yield (APY) and payment frequency (e.g., Monthly). • Project Description: Includes goals, benefits, and supporting documents. 2\. Scroll through the Description and Documents tabs to analyze the project thoroughly. {% hint style="success" %} Feel free to use the to see expected returns and monthly payouts based on your investment amount. {% endhint %}
### Step 4: Confirm Your Investment 1\. Click the Invest button after entering the desired amount. 2\. Review the investment summary, which includes: • Total amount. • Expected returns and payment schedule. 3\. Click Confirm to proceed. {% hint style="success" %} Your investment is secure on the blockchain, ensuring transparency and traceability. {% endhint %} ### Step 5: Authorize the Transaction 1\. **Ensure your wallet is connected (e.g., Metamask).** 2\. A wallet pop-up will appear for transaction authorization: • Confirm the transaction details in your wallet. 3\. Wait for the blockchain confirmation (typically a few seconds to a minute).
And there you have it—your investment is successfully completed! {% hint style="success" %} You can always track your portfolio performance and adjust future investments based on past returns. {% endhint %} ### Best Practices for Investment • **Evaluate Project Details Thoroughly:** Review the Description and Documents tabs to understand the project’s goals, risks, and financial plan. • **Calculate ROI Before Investing:** Use the Investor Calculator to estimate profits and understand the return period. • **Ensure Sufficient Funds in Your Wallet:** Double-check your wallet balance to avoid transaction failures. • **Monitor Deadlines:** Some projects may have funding deadlines—ensure you invest within the timeframe. # DFIND Staking #### What is Staking? Staking is a way to put *your DFIND tokens to work* while contributing to the network’s security and governance. Instead of just holding DFIND in your wallet, you can lock them for a set period to earn rewards. The longer you commit, the higher the rewards you receive. At its core, staking helps secure decentralized ecosystems and ensures active participation in governance decisions. In return, stakers are rewarded with additional DFIND tokens, making it a win-win for both users and the platform. #### Why is DFIND Staking Safe? Staking DFIND is secure, transparent, and fully automated through smart contracts. This means: ✅ **No manual handling** – Everything is executed through pre-programmed blockchain logic. ✅ **No middlemen** – Your rewards are distributed directly to your wallet. ✅ **Fully verifiable** – Transactions can be checked on the blockchain, ensuring complete transparency. ✅ **No risk of liquidation** – Unlike trading, where you can lose your assets, staking simply locks them for a set period, after which they are returned to you along with your rewards. *With 21 million DFIND allocated for staking rewards and a sustainable reward structure, staking is built to provide long-term benefits for participants.* {% content-ref url="/pages/OYbev57d3jU73LQEYtv5" %} [Tokenomics](/df-platform-white-paper/operations/business-model/dfind-definder-token/tokenomics) {% endcontent-ref %} ## How DFIND Staking Works **Step 1: Log in & Connect Your Wallet** 1. Visit the DF Platform and log in. {% embed url="" %} Click “**Connect Wallet”** and choose a supported wallet (e.g., Metamask, Trust Wallet). {% hint style="warning" %} If you're having trouble connecting Metamask to the Definder Dapp on Android / iOS , try this: Go to **Settings > Apps > Metamask** and **enable notifications** (if blocked). Use **Metamask as the default browser app** instead of Chrome. {% endhint %} Approve the connection to ensure transactions are processed securely. {% hint style="info" %} *Ensure you have DFIND tokens and some BNB for gas fees.* {% endhint %} **Step 2: Choose How Long to Stake** DFIND staking offers flexible time commitments.
The longer you stake, the higher your APY (Annual Percentage Yield):
Staking PeriodEffective APY (%)
1 Month27%
3 Months32.4%
6 Months41.4%
12 Months54%
24 Months72%
{% hint style="success" %} Longer staking periods increase your rewards due to the Staking Period Multiplier (Sl). {% endhint %} **Step 3: Calculate Your Rewards** Our staking calculator helps you quickly determine the rewards you can expect based on your staked amount and duration.
**How Staking Rewards Are Calculated** Your rewards are determined using this formula: `Reward (DFIND) = Ts × Pm × Vm × Sl` *Where*: * Ts = Tokens staked * Pm = Base monthly reward rate (3.05%) * Vm = Volume Multiplier (varies by stake size) * Sl = Staking Period Multiplier (longer staking = higher rewards) *Example Calculation* If you stake 50,000 DFIND for 12 months, here’s how your rewards are calculated: Base Reward Rate (Pm): 3.05% Volume Multiplier (Vm): 1.10 (based on stake size) Staking Period Multiplier (Sl): 1.50 (for 12 months) Monthly Reward Calculation: 50,000 × 0.0305 × 1.10 × 1.50 = 2,520 DFIND per month Total Annual Reward: 2,520 × 12 = 30,240 DFIND *That’s a 54% annual return just for staking.* Or simply enter your staking amount and duration in the DFIND Staking Calculator to see your estimated rewards instantly. **Step 4: Boost Your Voting Power** DFIND staking isn’t just about earning—it also gives you a say in the platform’s future. Every staked token increases your DAO voting power, meaning you have more influence over key decisions. {% content-ref url="/pages/wdqL3h4uDhf8WEkkb6ZG" %} [DAO](/df-platform-white-paper/how-it-works/system-components/dao) {% endcontent-ref %} *Voting Power Formula* `(Base Vote + Wallet Balance) × Tier Multiplier = Voting Power`
**Step 5: Claim Your Rewards** Once your staking period is over, your rewards are automatically sent to your wallet.
Check your Staking Dashboard for: ✅ Total rewards earned ✅ Payout history and timeframe ✅ New staking opportunities ### Early Unstaking: What You Need to Know You can unstake before the period ends, but your rewards will be reduced.
*Early Unstake Formula:* `Total Early Unstake Rewards = Ts × uPm × Vm × Cm` Ts: Tokens staked uPm: Early unstake % (1.5%) Vm: Volume multiplier Cm: Completed months {% hint style="success" %} The longer you stake, the bigger your rewards—so think long-term! {% endhint %} ### Frequently Asked Questions (FAQ)
How often are staking rewards distributed? Rewards are automatically sent to your wallet at the end of your staking period.
Can I unstake my DFIND before the period ends? Yes, but early unstaking reduces rewards to 1.5% per month.
What happens if I unstake mid-month? Only fully completed months count for rewards.
Can I stake multiple times? Yes! You can stake different amounts with different staking periods.
How do I maximize my staking rewards? Stake for longer periods (12-24 months earn the most). Stake higher amounts to unlock better multipliers.
Where can I buy DFIND tokens? DFIND tokens are available on WhiteBit Exchange and PancakeSwap DEX.
How does staking help the DFIND ecosystem? By staking, you support the network, help decentralize decision-making, and reduce circulating supply, making the token more valuable over time.

# FAQ
What is DF Platform? DF Platform is a decentralized platform that lets people invest in real estate and other assets by pooling funds together. More - [About Definder](/df-platform-white-paper)
Who runs DF Platform? It is community-run by token holders through a Decentralized Autonomous Organization (DAO). Token holders can vote on key decisions.
How do I use on DF Platform? You can invest by putting funds into lending pools for passive investing or directly into projects approved by the DAO.
What blockchain does DF Platform use? DF Platform uses the Binance Smart Chain which allows fast and cheap transactions. To read more about about native token visit [#DFIND Definder Token](/df-platform-white-paper/operations/business-model/dfind-definder-token#usddnt)
How risky are the investments? Investments carry some risk but they use collateral and strict vetting to reduce the risk as much as possible.
How do I earn returns from investments? Loans to projects generate interest over time that will provide fixed returns. The increase in token value can also give good returns.
Who approves projects for investment? Projects are screened by the DF team and then approved for funding by DAO community members through voting.
How transparent is DF Platform? The platform provides high transparency into fees, revenues, token burn metrics, governance actions, and investor portfolios.
How secure is my data and money on DF Platform? Strict security standards safeguard user data and funds. Wallets use multi-signature authentication as an added protection.
# Support **The official way to contact Definder is via email at** [**support@definder.global**](mailto:support@definder.global) **or through our Telegram channel.** {% hint style="warning" %} **Be Safe!** Never share confidential information. Our team will never ask for sensitive details. Avoid direct contact. Report any suspicious activity. {% endhint %} To ensure your inquiry is addressed properly, please contact our administrators directly using their verified Telegram usernames when messaging through Telegram. ### Verified Team Members {% embed url="" %} Support - technical inquiries, token & platform related {% endembed %} {% embed url="" fullWidth="true" %} Lily Lisova - Head of Communication, general inquiries, partnership, listing and marketing proposals {% endembed %} {% embed url="" %} Maxim Kolyada - CEO, partnerships, feedback and other questions {% endembed %} *We aim to respond to all inquiries within 24 hours. Definder values communication and feedback from our community as we continue building our platform.* # Follow Us #### **Here are the official Definder links where you can engage with us and learn more about our ecosystem:** * Product : * Company Website: [ ](https://dfplatform.definder.global) * Telegram : * X (Twitter) : * YouTube:. * Medium : *Feel free to join us and share your thoughts, ideas, and feedback as we continue developing our platform and ecosystem. We value open communication and input from token holders and platform users as we work to provide new opportunities in decentralized finance.* # Technicals **DAO**: Decentralized Autonomous Organization. A community-led organization that allows participants to propose and vote on decisions about an ecosystem. **DApp**: Decentralized Application. An application built on blockchain technology that operates autonomously through smart contracts. **DFIND**: Definder Token. The native utility token of the DF Platform that enables various functions like voting and investments. **Lending Pools:** Pooled funds on the DF Platform targeted for real estate lending under specific investing strategies and terms. **Platform Fees:** Charges levied by the DF Platform on investments made through it, which contribute to its revenue. **Smart Contracts:** Self-executing contracts on a blockchain that enforce agreements between parties automatically when conditions are met. **Staking**: The process of holding funds in a cryptocurrency wallet to support the network operations and receive rewards. **Token Burning:** Permanently removing tokens from circulation, which reduces the total supply and can increase the token's value. **Tokenomics**: The design of a cryptocurrency token's value, supply distribution, and demand dynamics within an ecosystem. **Multi-Signature Wallet:** A digital wallet whose transactions require authorization signatures from multiple parties for added security.