# 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.
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**The DAO serves as the decision-making body for all projects.**
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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.
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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.
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