CREDITCAPITAL The DeFi Hedge Fund That You Can Trust
THE FUTURE OF
PRIVATE INVESTMENT 2022
Bringing the speed and privacy of cryptocurrency to our valued customers in the private investment world for consistently high yields, secure fund management and privacy.
Re-Constructing traditional models of investment through the power of DeFi.
WHO WE ARE.
ABOUT CREDITCAPITAL
CreditCapital is a wealth management platform created to bridge the gap between traditional investment networks and blockchain-powered platforms. Its aim is to make mutual investing and personal lending easier and more profitable for participants.
Unlike funds that rely on predetermined yield strategies, CreditCapital engages in a variety of investment opportunities and strategies that maximizes returns for member users
.The network can be thought of as an investment hedge fund but with blockchain and defi features that reduce the friction associated with mutual investing.
summary
- No trust or intermediary company required for most transactions
- Always online
- Participants have the ability to borrow against their existing crypto assets
- Revenue is programmably calculated and distributed down to the second
- Fewer legal contracts have to be written.
- Permissionless - does not require permission from a central authority to carry out actions on the network.
- Anyone can participate. Curated.
- Revenue sharing opportunities with both long term and short term positions.
- Network and accessibility builds wealth via adoption from future outside investors.
- Multiple structural mechanisms to rectify value of tokens and balance ledgers.
What Is Defi?
Decentralized Finance (DeFi)Notable Facts About DeFi
1. DeFi is an umbrella term for financial services that run on public blockchains. There are DeFi applications that enable you to earn interest, borrow, lend, buy insurance, trade derivatives, trade assets, and more.
2. DeFi is a vertical within the crypto asset ecosystem that has achieved stellar growth over the last two years generating a broad and fast growing user base. Just like cryptocurrency, DeFi is global, peer-to-peer (meaning directly between two people, not routed through a centralized system), pseudonymous, and open to all.
3. Defi is faster than traditional banking. Through automation built into the technology of DeFi (and it's core technology of Blockchain) via the use of 'Smart Contracts'. By turning real world contracts into code, all that is necessary to compete and execute on a loan for example, is to fulfill pre-written requirements online. No notaries, smaller legal teams, and less waiting.
4. Through the use of DeFi technology many traditional models and methods of investment can be replicated and improved upon with the foundation of blockchain and access to cryptocurrency.
OUR GOALS
CreditCapital has reconstructed the traditional models for investing and lending by creating a decentralized finance (DeFi) platform that offers consistently high yields, secure fund management and privacy for investors.
To create a DeFi platform that enables any real world asset to be tokenized and fractionalized.
To enable lenders to make loans that are guaranteed to be repaid.
To provide secured loans for major capital projects.
To provide a highly secure depository and custodian for funds flowing into the CreditCapital platform
To operate as a third party ‘AA’ rated guarantor for funding projects
The Problem
Currently many fundamental financial and investment systems are being reinvisioned by the advent of Cryptocurrency, Blockchain and more contemporarily, DeFi technologies. While this should be seen as an opportunity, investors must also be aware of the implications of being late to adopt these technologies.
As more and more systems are being disrupted by this technology daily, more and more major institutions are integrating, adapting, and adjusting to these lightning fast developments.
The Solution
By developing its own DeFi (Decentralized Finance) platform CreditCapital is entering the future landscape of the Finance Industry because it recognizes the necessity of these changes.
In response, CreditCapital has reconstructed the traditional models for investing and lending by creating a decentralized finance (DeFi) platform that offers consistently high yields, secure funds management and privacy for investors.
Benefits
- Speed and Rate of Transactions
- Reduced Institutional Oversight - Smart Contracts
- Fractional Investments and Crowd-sourcing
- Privacy and Anonymity
- Increased Liquidity Access
Benefits of Defi investing
Speed and Rate of Transactions
DeFi is faster than traditional banking, as Defi can close a loan within three (3) banking days versus three (3) months
Reduced Red Tape
Smart contracts’ replace and/or reduce required paperwork and third parties are not necessary to administer the financial services.
fractional Investment models
Through tokenization of real world assets clients can gain financial liquidity through group funding for mutual rewards and incentives.
Increased Liquidity Access
By staking current digital and real-world assets clients can leverage their own holdings by minting stable coins
Working together towards your future
By investing with CreditCapital clients stand to gain short term rewards and long term returns, digitally and with utter privacy.
Roadmap
Technical Milestones
1
1: Protocol Foundation
Develop Token, Liquidity Pool, Staking, and Rewards systems. Test and deploy to main-net. Optional Feature: Develop and enable auto-compounding (anytime desired).
2
2: Sovereign Treasury
Develop Token, Liquidity Pool, Staking, and Rewards systems. Test and deploy to main-net. Optional Feature: Develop and enable auto-compounding (anytime desired).
3
3: NFT Bonds
Develop Token, Liquidity Pool, Staking, and Rewards systems. Test and deploy to main-net. Optional Feature: Develop and enable auto-compounding (anytime desired).
4
4: Stabletoken Loans, Liquidity Pool
Develop Token, Liquidity Pool, Staking, and Rewards systems. Test and deploy to main-net. Optional Feature: Develop and enable auto-compounding (anytime desired).
5
5: NFT Real Estate
Set up legal structure/entities to facilitate crypto-real estate transactions. Develop NFT series, DApp updates, collect asset data for site. Develop NFT market utilizing CCUSD.
6
6: Protocol Management DAO
Identify signers who should have a voice in the management of the protocol. Deploy DAO. Change ownership of contracts/grant roles as applicable.
7
7: Private Hedge Funds
Develop contracts and DApp functionality as well as process to deploy Private Hedge Funds. Build plugin system to integrate with protocols: CC, Balancer, Curve, Uniswap, etc. Test, audit, launch.
8
8: Multi Chain Asset Management
Modify and deploy contracts on multiple chains: Polygon, Fantom, Avalanche, Ethereum. Utilize existing, or build custom bridge solutions as needed. Connect Sovereign Treasury/Private Hedge Funds with ability to bridge assets between chains.
APR +660%
4 YEAR USER SCENARIO
Buy in:
$5,000 USD
Purchase:
4838 CAPL
LP POOL STAKING:
4838 CAPL
CAPL Rewards (per day):
79.35 CAPL
($90.46 USD)CAPL Price:
$1.14 USD
Assumes single investor with a $5,000 investment and $300k intial liquidity pool depth.
user scenario 4 Year
79.35*30
30 Days
= 2380 CAPL
$2,713.77
79.35*90
90 Days
= 14,283 CAPL
$16,282.62
79.35*365
1 Year
= 28,963 CAPL
$33,017.53
79.35*1460
4 Year
= 115,851 CAPL
$132,070.14
APR: 660%
4 year Yield: 2641%
User Roles
StakerStaking is the passive, long-term strategy of CreditCapital. Stake your USDC-CAPL Liquidity Pool tokens to earn a regular income.
Stakers earn CAPL passively when they stake their Liquidity Pool tokens from CreditCapital operated Liquidity Pools. When providing liquidity, users can stake their LP tokens into the rewards vault and receive participation rewards in the form of CAPL tokens.
The amount of rewards a Staker receives is determined by the percentage of pool value they own.
Stake NowUser Roles
Borrower (coming soon)About Borrowing
Borrowing is an active investment strategy for users seeking to leverage their position. Using the borrowed CCUSD allows users to either de-risk their position, or further invest into other CreditCapital pools such as the CCUSD liquidity pool.
Borrowers gain the ability to collateralize their tokens to obtain a loan of CCUSD stable tokens.
They can use this additional personal liquidity to grow their portfolio via trading or in other real world applications. This gives borrowers additional liquidity
to improve their position while maintaining ownership of their original collateral.
This collateral is locked up until the repayment of the stable token loan. In the event of loss of portfolio liquidity or failure to repay the loan and interest payments, the protocol will liquidate the user’s position before it becomes insolvent.
More collateral options will be made available in the future based on partnerships with prominent lending organizations.
Stable Tokens
Introducing CCUSD, the Credit Capital USD-pegged Stable Token. Any user holding a position on the platform may lock it in order to borrow against a portion of its value.
This allows users to borrow against their position as a form of leverage or margin. CCUSD loans are always over-collateralized, using the Liquidity Pools and external price oracles to ensure that every CCUSD loan remains solvent.
- Stablecoins/stable tokens are cryptocurrencies, the price of which is pegged to another asset such as the US dollar, gold or other cryptocurrencies.
- The CCUSD stable token will be pegged to the US Dollar as a collateralized stablecoin and will achieve stability by being fully collateralized by assets and rewarding appropriate balance of liquidity pools.
Sovereign Treasury
The Treasury Fund is a pool which allows users to purchase shares which are staked-by-default. These shares entitle the user to a proportionate claim on the value managed by the Treasury, as well as regular revenue payments as a result of the profit generated by the fund.
Tokens held by the fund may be invested into various ventures and protocols and are under management by the CreditCapital DAO.
Liquidity pool
Credit Capital operates multiple Liquidity Pool (LP) contracts which operate as Automated Market Makers, allowing users to enter or exit the platform with ease, and without needing to maintain an order book. Liquidity Pools charge a very low fee (typically 0.3%) for all transactions passing through them, resulting in a low friction method of exchanging value. While primarily used as a way to exchange different currencies, users are also able to contribute to the liquidity of any pool, and in doing so are rewarded with both a portion of the fees generated by that pool, as well as bonus CAPL rewards.
Swap TokensPlatform Functions
Token
CAPL may be paid out in the form of extra rewards, which is a controlled form of inflation. However 90% of the income the platform receives directly results in buy pressure on CAPL through the various Liquidity Pools.
Protocol
The protocol is infused with large amounts of capital directly, without concern to the effects it may have on the token price. It then can invest or allocate funds as it sees fit.
Interactions
- 1.
All Participants
Due to significant buy pressure, combined with mandatory stakes to participate in the platform, this model results in significant appreciation of CAPL.
- 2.
Treasury Share Investor
The user is able to directly invest into the protocol and earn a share of its revenue.
- 3.
CAPL Stakers
Users who stake CAPL for rewards earn additional CAPL as a form of revenue share.
- 4.
Liquidity Pool Stakers
Each Liquidity Pool will gradually appreciate due to fees on 90% of revenue moving through the pools