Whitepaper
  • 1.0 Introduction
    • 1.1 Migration from XEND to RWA
    • 1.2 New Vision - Xend V2 and Xend V3
      • 1.2.1 Principles overview
      • 1.2.2 Xend V2 & V3 - Roadmaps
      • 1.2.3 Xend V2 Roadmap
      • 1.2.4 Xend V3 Roadmap
  • 2.0 OAE - Onchain Assets Environment
    • 2.1 OAE Core Idea
    • 2.2 OAE Framework
    • 2.3 OAE - Products Overview
      • 2.3.1 Asset Chain
      • 2.3.2 Origin Studio
      • 2.3.3 Social Hub
      • 2.3.4 Xend Connect
      • 2.3.5 GOR
      • 2.3.6 Xend Solutions
    • 2.4 Asset Smart Contract
    • 2.5 IAC Framework
      • 2.5.1 Importance Of IAC to OAE
      • 2.5.2 (b) IAC in Practice
    • 2.6 Asset Credibility
      • 2.6.1 Authentication Rating
      • 2.6.2 Compliance Rating
      • 2.6.3 Asset Insurance Rating
      • 2.6.4 Events Mirroring
      • 2.6.5 Visual Summary
    • 2.7 IAC Partners
      • 2.7.1 IAC Provider
      • 2.7.2 Conflict Resolution Process
      • 2.7.3 I - AC Interdependence
    • 2.8 Assets Policy in OAE
      • 2.8.1 Web3 Token Issues
      • 2.8.2 AssetChain 10 Cardinal Rules
      • 2.8.3 Assets As Smart Contracts, Tokens As Rights
      • 2.8.4 Verifiable Legal Binding
      • 2.8.5 Intrinsic Legalization
      • 2.8.6 Multi-Level Asset & Token Structures
      • 2.8.7 Token Bonding
      • 2.8.8 Separating Ownership, Possession And Holding
      • 2.8.9 Structured Asset Administration Policy
    • 2.9 AssetChain - 4 Execution Levels
    • 2.10 P2P Lending In OAE
      • 2.10.1 Basics of P2P lending
      • 2.10.2 Appraisers And Custodians
      • 2.10.3 Xend Fundraising Platform On OAE
    • 2.11 AI Stack
      • 2.11.1 Watchdogs
      • 2.11.2 Assistants
      • 2.11.3 Improvers
      • 2.11.4 Concepts
  • 3.0 Xend Browser
    • 3.1 One-4-All
    • 3.2 NodeOs
    • 3.3 Subnet
    • 3.4 Explorer
    • 3.5 Node Enterprise
    • 3.6 e-Admin
    • 3.7 NodeBox
  • 4.0 Progressive Synchronization (V3)
    • 4.1 Objectives Of The IAC Councils
    • 4.2 Progressive Adoption Of Public AssetChains
    • 4.3 Progressive Adoption Of Public Subnets
    • 4.4 OAE Marketplace
  • Practical Use Cases
    • Business & Banking
    • Real Estates
    • Compliance - by - Design
    • Tokenization Beyond Ownership
    • Global Assets Accessibility
    • Green Impact
    • Software, Gaming and Entertainment
    • Global Transparency and E-Administration
  • RWA (OAE) Token Economy 1.0
    • RWA Token
    • RWA Economy Ecosystem Participants
    • RWA Staking
    • RWA Incentives
    • RWA LP Tokens, Market Makers, & Trading Competitions
    • Gamification Of OAE User Experience
    • RWA Token Utilities
    • OAE & RWA Macro-Economy
    • Future Legal Status Of RWA Tokens
  • Litepaper
    • Solving ASR Issue
    • OAE From User Standpoint
    • Xend Solutions
    • Future Roadmap
  • Appendices
    • Appendix A: Understanding RWA
      • Assets Classification
      • Narrow Understanding Of RWA
      • Wide Understanding Of RWA
      • UWA - Unreal World Asset
      • RWA versus UWA - They Key Difference Lies In Legal Context
      • Examples Of RWAs Definitions Incoherence
      • Key Takeaways
    • Appendix B: Digitization vs Tokenization
      • Existence vs Ownership
      • Hierarchy Of Terms
      • Digitation Of Asset
      • Documenting The Asset
      • Tokenization Of The Asset On Gen2 Blockchain
      • Legal Causality Of Gen2 Tokenized Asset
      • Key Takeaways
    • Appendix C: Rise Of AssetChains
      • Theses A
      • Theses B
      • Theses C
      • Theses D
      • Theses E
      • Theses F
    • Appendix D: Brief Analysis On Who Owns The Internet
    • Appendix E: Market Research
      • RWA Solutions - Scope Of Work Overview
        • Centralized
        • Decentralized
        • In-depth Scope Comparison
      • Statistics
        • CEFI - Territorial Coverage
        • CEFI - Funding Ranges Popularity
        • CEFI - Funding Values Breakdown
        • Visual Data Metrics
      • Research Summary
  • FAQs
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On this page
  • Tokenized Companies
  • Integrating Banking with Blockchain via Event Mirroring
  • P2P Loans with asset-based collateral
  • Milestone-Based Payouts for Project Funding
  • Revenue-Locked Loans
  1. Practical Use Cases

Business & Banking

Tokenized Companies

Companies can fully integrate onto the blockchain by onboarding their entire operational structure and assets as smart contracts on the Asset Chain. This process involves the tokenization of rights associated with these assets, such as equity shares.

Origin Studio and OAE can be used to run your company, automate reporting obligations, and keep a digital portfolio of all your company assets, linked with bank accounts and company wallets. Smart Contract Automation for Compliance and Regulatory Needs: Since the OAE is designed to operate within legal standards, there's an opportunity to highlight the use of smart contracts for automating compliance-related processes. This could involve auto-enforcing compliance with local laws and regulations for asset transfers and transactions.

Practical Example: Practical Example: A pharmaceutical company uses the Asset Chain to onboard its research facilities and patents as smart contracts. It then issues tokens representing shares of equity in the company, as well as tokens for specific rights like the use of its patented drug formulas. This blockchain integration facilitates direct and secure investor engagement, efficient asset management, and transparent operational processes, making it easier to attract global investments and partnerships. This approach exemplifies how companies can leverage Xend Finance and OAE to operate entirely within a blockchain ecosystem, streamlining every aspect of their business operations and asset management.

Integrating Banking with Blockchain via Event Mirroring

OAE’s event mirror framework provides a robust solution for linking decentralized applications (dApps) with traditional banking services, facilitating a seamless connection between blockchain technology and the banking sector. This system supports the creation and management of stable coins that are pegged to fiat currencies, enhancing trust and stability in digital transactions.

Practical Example: A financial institution wishes to offer a fiat-pegged stablecoin to its customers. Using the OAE event mirror framework, the institution can synchronize the total value locked (TVL) in fiat with the issuance (minting) and redemption (burning) of the stablecoin. This process is not based on trust alone but is secured by an autonomous and immutable system that maintains a real-time, verified link between fiat reserves and their digital counterparts on the blockchain. This ensures that every digital token is backed by an equivalent amount of fiat currency, providing transparency and security that enhances user confidence and regulatory compliance.

P2P Loans with asset-based collateral

In OAE, users can use assets as potential collateral for the loans. The better and more credible collateral they use, the higher their chances to attract lenders. On the other hand - Lenders might use OAE P2P lending platform to seek for valuable lending opportunities and earn ROI on lended money while benefit from secure, verifiable collateral.

Practical Example: A user has onboarded a high-end laptop onto the OAE platform, completing a detailed validation, authentication, and insurance process to establish its value and condition. Due to its high credibility rating on the platform, the laptop is recognized as a valuable asset. The user leverages this laptop as collateral to secure a loan, attracting lenders who are assured of the asset's verified value and secure investment potential. This setup benefits both parties: the user gains access to needed funds, while lenders have a tangible, well-documented asset to secure the loan.

Milestone-Based Payouts for Project Funding

OAE leverages smart contract technology to enable milestone-based payouts in project funding, ensuring that investments are released in stages as specific objectives are met. This mechanism enhances the security of investments and aligns incentives between project developers and investors.

Practical Example: A group of investors interested in funding a new tech startup decides to use the OAE platform to manage their investment. They establish an investment fund as a smart contract, stipulating that funds will only be released when the startup achieves predefined milestones, such as completing a prototype or reaching a user acquisition target. Each milestone release must be approved by a majority of the investors, who vote according to their share in the investment fund. This structure not only secures the investment against potential mismanagement but also motivates the startup team to meet their goals promptly to receive the next tranche of funding. This strategic funding approach promotes transparency and accountability, protecting investors while supporting project success.

Revenue-Locked Loans

OAE facilitates a novel financing model known as revenue-locked loans, where investors lend money to a business and in return, gain rights to a portion of the company's revenue through a smart contract. This continues until a predetermined repayment threshold is met, often set above the original loan amount.

Practical Example: A startup looking to expand its operations but wary of diluting ownership opts for a revenue-locked loan from multiple lenders via OAE. Instead of traditional interest payments, the startup agrees to direct a percentage of its monthly revenues to repay the lenders. This arrangement is managed through a smart contract that automatically distributes revenue shares to the lenders until they have received an amount equal to 200% of the initial loan. This model allows the company to manage cash flow more effectively during critical growth phases without the immediate financial burden of fixed loan repayments, while lenders benefit from potentially higher returns linked directly to the company's financial performance.

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Last updated 7 months ago