BM Finance ($MONEY)
Recent developments:
20% of the initial token allocation is held by the creator.
Creator token stats last updated: Jun 23, 2025 03:18
The following is generated by an LLM:
Summary
agentic finance bridge for AI-driven crypto-fiat liquidity
Analysis
BM Finance presents an ambitious project aiming to bridge traditional finance and decentralized finance (DeFi) through AI-driven infrastructure. The protocol targets significant market opportunities by enabling real-time arbitrage, liquidity access, and low-cost transactions between on-chain and off-chain assets. The team has relevant experience in blockchain, AI, and traditional finance, which adds credibility. Tokenomics include staking rewards, fee discounts, and buybacks, which could incentivize holding. However, 20% of the token supply (200 million tokens) is allocated to the creator, which is on the higher side but might be justified by the project's early stage. The roadmap is well-structured with clear milestones, and the business model includes diversified revenue streams. Potential risks include high competition, the complexity of integrating global financial systems, and reliance on AI adoption. The creator's tokens are locked with a vesting period, reducing immediate sell-off risks. However, the project's success depends heavily on achieving its milestones and user adoption in a competitive market.
Rating: 6
Generated with LLM: deepseek/deepseek-r1
LLM responses last updated: Jun 23, 2025 03:19
Original investment data:
# BM Finance ($MONEY)
URL on launchpad: https://app.virtuals.io/geneses/6019
Launched at: Sun, 22 Jun 2025 23:33:52 GMT
Launched through the launchpad: Virtuals Protocol
Launch status: GENESIS
## Token details and tokenomics
Token symbol: $MONEY
Token supply: 1 billion
Creator initial number of tokens: Creator initial number of tokens: 200,000,000 (20% of token supply)
## Creator info
Creator address: 0xf97868Fc78BCB5ee6dC724628137539c0067A3BF
Creator on basescan.org: https://basescan.org/address/0xf97868Fc78BCB5ee6dC724628137539c0067A3BF#asset-tokens
Creator on virtuals.io: https://app.virtuals.io/profile/0xf97868Fc78BCB5ee6dC724628137539c0067A3BF
Creator on zerion.io: https://app.zerion.io/0xf97868Fc78BCB5ee6dC724628137539c0067A3BF/overview
Creator on debank.com: https://debank.com/profile/0xf97868Fc78BCB5ee6dC724628137539c0067A3BF
## Description at launch
BM Finance is pioneering Agentic Finance infrastructure to enable seamless value circulation and appreciation across traditional and decentralized finance in the AI Agent era. Our mission is to empower them by providing a stable, compliant and scalable protocol for liquidity, financing and arbitrage. AI agents integrate BM Finance to capture real-time opportunities across global markets. BM Finance is positioned to become the core value layer powering the AI driven financial ecosystem.
## Overview
BM Finance is building the foundational infrastructure for value circulation in the AI Agents era, helping users access crypto and fiat liquidity at low cost. This enables users to more easily allocate capital and capture arbitrage opportunities across crypto markets, stocks, and bond markets.
## 1.1 Vision
Bridging On-Chain and Off-Chain, Unlocking Asset Liquidity
## 1.2 Mission
**Building the Agentic Finance Layer to Empower AI Agents and Drive Global Asset Value Appreciation.**
As a core channel for on-chain and off-chain asset flows, BM Finance Protocol delivers stable, compliant, and scalable access to liquidity, collateralized financing, and arbitrage for various participants, including AI Agents. Leveraging BM Finance, AI Agents seamlessly access global liquidity across multiple markets, including cryptocurrencies, equities, bonds, and more, capturing arbitrage and allocation opportunities in real time, securely managing collateral assets, executing risk management and liquidation processes, and ultimately maximizing value creation. BM Finance is positioned to become the core value layer powering the AI-driven financial ecosystem.
By the end of 2025, the protocol’s cumulative loan volume is projected to reach USD 10 million, with estimated protocol revenue of USD 1 million.
BM Finance is not just a value conduit, it is emerging as a key gateway for the future integration of global financial markets. We believe that the future value system will be fully interconnected and borderless, with BM Finance positioned as a pioneer and foundational infrastructure in this revolution.
## 1.3 Core Capabilities: Intelligent Financial Engine Connecting On-Chain and Off-Chain Asset Value
BM Finance has built its core services and security engine based on AI Agents, delivering a highly automated, intelligent financial infrastructure. Key capabilities include:
* Real-time monitoring of collateral asset value fluctuations
* Automated risk assessment and dynamic Loan-to-Value (LTV) adjustments
* Automated execution of KYA (Know Your Address), KYT (Know Your Transaction), and Anti-Money Laundering (AML) compliance processes
These capabilities significantly reduce compliance risks and operational costs while enabling real-time risk alerts and automatic liquidations.
The modular design allows these core capabilities to be flexibly combined and applied across various scenarios. For example, LP Tokens can be utilized across multiple DeFi protocols, further enhancing liquidity and capital efficiency. The protocol also supports AI Agent-based asset custody and collaborative decision-making. Users may delegate asset management to AI Agents for portfolio allocation advice, or even enable cross-agent collaboration via the ACP protocol with other AI Agents (e.g., BasisOS, Axr). Through this cooperation, AI Agents can autonomously capture arbitrage opportunities across crypto and fiat markets, optimizing returns for users.
**Collateralized Lending: Interest Rates as Low as 0%**
Users can collateralize on-chain crypto assets and receive fiat liquidity directly into their bank accounts, with interest rates as low as 0%.
**On/Off-Ramp: Transaction Fees as Low as 0%**
BM Finance provides users with seamless, low-cost on/off-ramp services. Without the need for repeated KYC procedures, users can deposit and withdraw funds conveniently, with transaction fees as low as 0%.
**Virtual Accounts: Flexible Asset Management**
Virtual accounts provide a unique routing and account number that accepts wire transfers and ACH deposits. These accounts can also integrate with brokers, credit card accounts, and payment channels, allowing funds to move freely across platforms.
**Transfers & Payments: Unrestricted Fund Usage**
Users can freely transfer and remit funds globally using both fiat and crypto for payments, consumption, and investments.
**On-Chain Asset Yield Generation**
BM Finance enables users to stake assets and generate on-chain yield. Within a secure and controlled framework, users can earn alpha returns that exceed market averages, further unlocking asset value and enhancing overall portfolio performance.
**Competitive Service Model**
## 1.4 Problems Addressed
BM Finance aims to serve as the value bridge between these two ecosystems, breaking down barriers and enabling seamless, frictionless value circulation across on-chain and off-chain markets. This promotes the deep integration of global asset markets while unlocking greater liquidity and growth potential for global assets.
### 1.4.1 Challenges When Transitioning from the Crypto World to Traditional Finance
* **Missed Growth Opportunities**
When users sell crypto assets to obtain fiat liquidity, they often forgo potential future price appreciation, limiting the long-term growth potential of their holdings.
* **High Costs and Complex Processes**
On/off-ramp processes are complicated and expensive. Converting between crypto assets and fiat currency typically incurs high transaction fees, which significantly erode user returns.
* **Heavy Capital Gains Tax Burden**
In many jurisdictions, selling crypto assets triggers substantial capital gains taxes, in some cases as high as 50%, further compressing investment returns.
### 1.4.2 Challenges When Entering the Crypto World from Traditional Finance
* **Limited Compliant Channels**
Fiat on-ramp options for individuals are scarce. Most regulated channels primarily serve institutional or high-net-worth clients, making it difficult for small and mid-sized investors to participate directly.
* **High Entry Barriers and Complex User Experience**
Crypto financial products are often complex, requiring specialized technical skills and financial knowledge. The steep learning curve and operational complexity make it challenging for average users to enter and participate effectively.
* **High Fees and Cumbersome Procedures**
Fiat on-ramp services frequently involve high fees, complex identity verification, compliance checks, and lengthy onboarding processes. Users often face significant service charges and hidden costs, resulting in a frustrating and inefficient experience.
## 1.5 Competitive Analysis
## 1.6 Massive Market Integration Potential
Within the global financial system, digital assets remain in the early stages of rapid development. A significant value gap continues to exist between traditional finance and crypto finance. Crypto assets are positioned to serve as a powerful complement to traditional financial systems, this is precisely the core opportunity that BM Finance Protocol is targeting.
* **Global Traditional Financial Market Size**
As of July 2024, the combined market capitalization of global equities and bonds has reached approximately **USD 255 trillion**.
* **Crypto Asset Market Size**
As of June 2025, the total global cryptocurrency market capitalization stands at approximately **USD 3.4 trillion**.
  
The size of traditional financial markets far exceeds that of the current crypto asset market. This substantial gap represents the primary growth opportunity for future integration. BM Finance’s mission is to bridge this value channel, driving the progressive convergence of these two financial systems, eliminating long-standing value barriers, and unlocking significant incremental market potential.
## 1.7 Business Model
BM Finance operates a clear and sustainable profit model driven by service fees, borrowing interest, and staking yields. While delivering value to users, the protocol establishes a self-reinforcing commercial loop. Revenue grows in parallel with user adoption and transaction volume, enabling long-term value capture capabilities.
### 1.7.1 Core Revenue Sources
### 1.7.2 Advantages of the Profit Model
* **Diversified Revenue Streams:** Multiple income sources — including service fees, interest, and staking yields — enhance resilience across market cycles and ensure revenue stability.
* **High Scalability:** Protocol revenues scale proportionally with user growth and transaction volume, providing strong expansion potential.
* **Global Adaptability:** The system is designed to flexibly integrate with various fiat currencies and financial markets, enabling rapid cross-border deployment.
* **Efficient Capital Utilization:** Flexible asset allocation allows for compounded yield generation, improving overall capital efficiency and operational performance.
## 1.8 Team Experience
BM Finance is powered by a core team that combines deep expertise in traditional finance with extensive capabilities in Web3 technology. With cross-cycle and cross-domain industry experience, the team is committed to building institutional-grade blockchain financial infrastructure.
* **Proven Experience in AI Product Deployment**
Extensive hands-on experience in building and scaling AI-powered systems across finance, security, and education. Delivered a digital asset payment platform with natural language interaction, real-time compliance checks (KYA, KYT, sanctions), and multiple conditional payment methods (Direct Pay, Cooling-off, Escrow, Batch). Deployed intelligent voice systems for major banks using ASR/NLP/TTS for fraud detection and automated transactions. Built risk control engines for cybersecurity and financial platforms, and applied machine learning in mobile security (e.g., Norton Mobile Security). Developed AI-powered advisory systems using LLMs for education and healthcare.
* **Blockchain Innovation & Central Bank Collaboration**
Led blockchain initiatives with central banks in Asia-Pacific and Africa, including gold-backed stablecoin models and cross-border payment pilots. Delivered real-world projects like Project DESFT (escrow payment for trade finance) and RBA’s tokenized invoice pilot. Recognized with multiple awards including the 2024 MAS FSTI Innovation Grant and finalist at the Singapore FinTech Festival Hackathon. Pioneered blockchain adoption for payment, supply chain, and finance sectors.
* **Industry Impact & Knowledge Leadership**
Actively advancing blockchain literacy and digital transformation by training central banks (e.g., Bank of Ghana, Bank of China) and lecturing at NUS on Blockchain & DeFi. Recognized with awards like Gartner Innovation of the Year and IDC Future of Trust. Published in journals such as *Blockchain in Healthcare Today* and delivered over 10 keynote speeches at global events including World Blockchain Summit, Tech Week SG, and MAS-backed Web3 forums.
## 1.9 Tokenomics
BM Finance issues the protocol-native governance and value capture token **$MONEY**, designed to drive long-term protocol growth, foster ecosystem collaboration, enable value sharing, and ensure the sustainable development of the protocol’s governance framework.
### 1.9.1 Token Role & Positioning
### 1.9.2 Core Utilities of the Token
#### 1.9.2.1 Staking Mechanism
* Users can stake $**MONEY** to participate in protocol governance and increase their voting power.
* Stakers are entitled to profit-sharing based on protocol revenues, which include:
* Interest income from loans
* Fees from fiat on/off ramp services
* Yields from asset management
* Stakers enjoy discounted fees on borrowing services and fiat on/off ramps during the staking period.
* A portion of the staking pool is subject to lock-up, creating a stable long-term liquidity pool.
#### 1.9.2.2 Fee Utility
* Using $**MONEY** to pay protocol fees offers an up to 50% discount.
* Discounts apply to various fee scenarios, including:
* Fiat on/off ramp fees
* Loan interest payments
* Pay gas fees
* This enhances $**MONEY**'s utility and payment value across day-to-day protocol use cases.
#### 1.9.2.3 Ecosystem Incentives
* Targeted support for long-term contributors including:
* Ecosystem builders
* Strategic partners
* Developer communities
* Market expansion teams
* Compliance consultants
### 1.9.3 Deflationary & Value Growth Mechanisms
* **Revenue Buyback**: A portion of quarterly protocol profits will be used to buy back and burn $**MONEY**.
* **Dynamic Emission Reduction**: The incentive pool will follow a pre-set decaying release curve, gradually decreasing emissions year-over-year to control long-term inflation.
* **Staking Requirement**: Core protocol functions and governance rights require $**MONEY** staking, increasing long-term holding demand.
* **Vesting & Unlocking**: Team, marketing, and ecosystem partners will be subject to rational lock-up periods and vesting schedules to ensure healthy token circulation in the market.
### 1.9.4 Ways to Earn $MONEY
**Early Participants**
* Early seed users of the protocol may receive $**MONEY** airdrop rewards for participating in new feature testing, contributing to community building, and supporting protocol promotion.
**Protocol Users**
* Users who engage in protocol services (such as collateralized lending, fiat on/off ramp, liquidity provision, etc.) can earn $**MONEY** rewards.
**Staking $MONEY**
* Users who stake $**MONEY** will receive staking rewards based on their staking amount and duration.
## 1.10 Roadmap
### 1.10.1 2025 — Core Product Development and Rapid Iteration Phase
#### 1.10.1.1 Q3: Product Development & Invitation-only Beta + Public Beta
* Collateralize crypto assets (USDC/USDT/WBTC/ETH/VIRTUAL) to obtain fiat liquidity.
* Fiat on-ramp and off-ramp services.
* Automated liquidation mechanisms.
* Official launch of Public Beta.
* Token incentive mechanisms.
* On-chain LP liquidity provisioning support
#### 1.10.1.2 Q4: Optimization, Validation & Go-To-Market
* Launch of GTM (Go-To-Market) strategy.
* Deployment of virtual account system, integrating brokerage, credit card, and payment channels.
* Introduction of on-chain yield generation strategies.
* Support for additional fiat currencies such as EUR, MXN, and others.
* Enhancement of compliance, risk management, and regulatory reporting systems.
* Enable composable services for AI Agents.
* Achieve cumulative transaction volume exceeding USD 10 million.
### 1.10.2 2026 — Market Expansion and Ecosystem Building Phase
#### 1.10.2.1 Q1: Asset Diversification & Ecosystem Expansion
* Support for RWA collateralized lending.
* Multi-chain and cross-chain asset integration.
* Establishment of early ecosystem alliances to onboard key Web3 and DeFi partners.
#### 1.10.2.2 Q2: Global Expansion & Scale Breakthrough
* Build regional compliance and partnership networks.
* Deepen collaboration with institutional and enterprise clients.
* Onboard large-scale liquidity providers to continuously expand LP capacity.
## Additional information extracted from relevant pages
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"overview": "BM Finance is building the foundational infrastructure for value circulation in the AI Agents era, helping users access crypto and fiat liquidity at low cost. This enables users to more easily allocate capital and capture arbitrage opportunities across crypto markets, stocks, and bond markets.\n\n## 1.1 Vision\n\nBridging On-Chain and Off-Chain, Unlocking Asset Liquidity\n\n## 1.2 Mission\n\n**Building the Agentic Finance Layer to Empower AI Agents and Drive Global Asset Value Appreciation.**\n\nAs a core channel for on-chain and off-chain asset flows, BM Finance Protocol delivers stable, compliant, and scalable access to liquidity, collateralized financing, and arbitrage for various participants, including AI Agents. Leveraging BM Finance, AI Agents seamlessly access global liquidity across multiple markets, including cryptocurrencies, equities, bonds, and more, capturing arbitrage and allocation opportunities in real time, securely managing collateral assets, executing risk management and liquidation processes, and ultimately maximizing value creation. BM Finance is positioned to become the core value layer powering the AI-driven financial ecosystem.\n\nBy the end of 2025, the protocol’s cumulative loan volume is projected to reach USD 10 million, with estimated protocol revenue of USD 1 million.\n\nBM Finance is not just a value conduit, it is emerging as a key gateway for the future integration of global financial markets. We believe that the future value system will be fully interconnected and borderless, with BM Finance positioned as a pioneer and foundational infrastructure in this revolution.\n![BM Agent Architecture](https://raw.githubusercontent.com/bm-protocol/docs/refs/heads/main/images/agents-architecture.png \"BM Agent Architecture\")\n\n## 1.3 Core Capabilities: Intelligent Financial Engine Connecting On-Chain and Off-Chain Asset Value\n\nBM Finance has built its core services and security engine based on AI Agents, delivering a highly automated, intelligent financial infrastructure. Key capabilities include:\n\n* Real-time monitoring of collateral asset value fluctuations\n* Automated risk assessment and dynamic Loan-to-Value (LTV) adjustments\n* Automated execution of KYA (Know Your Address), KYT (Know Your Transaction), and Anti-Money Laundering (AML) compliance processes\n\nThese capabilities significantly reduce compliance risks and operational costs while enabling real-time risk alerts and automatic liquidations.\n\nThe modular design allows these core capabilities to be flexibly combined and applied across various scenarios. For example, LP Tokens can be utilized across multiple DeFi protocols, further enhancing liquidity and capital efficiency. The protocol also supports AI Agent-based asset custody and collaborative decision-making. Users may delegate asset management to AI Agents for portfolio allocation advice, or even enable cross-agent collaboration via the ACP protocol with other AI Agents (e.g., BasisOS, Axr). Through this cooperation, AI Agents can autonomously capture arbitrage opportunities across crypto and fiat markets, optimizing returns for users.\n\n**Collateralized Lending: Interest Rates as Low as 0%**\nUsers can collateralize on-chain crypto assets and receive fiat liquidity directly into their bank accounts, with interest rates as low as 0%.\n\n**On/Off-Ramp: Transaction Fees as Low as 0%**\nBM Finance provides users with seamless, low-cost on/off-ramp services. Without the need for repeated KYC procedures, users can deposit and withdraw funds conveniently, with transaction fees as low as 0%.\n\n**Virtual Accounts: Flexible Asset Management**\nVirtual accounts provide a unique routing and account number that accepts wire transfers and ACH deposits. These accounts can also integrate with brokers, credit card accounts, and payment channels, allowing funds to move freely across platforms.\n\n**Transfers & Payments: Unrestricted Fund Usage**\nUsers can freely transfer and remit funds globally using both fiat and crypto for payments, consumption, and investments.\n\n**On-Chain Asset Yield Generation**\nBM Finance enables users to stake assets and generate on-chain yield. Within a secure and controlled framework, users can earn alpha returns that exceed market averages, further unlocking asset value and enhancing overall portfolio performance.\n\n**Competitive Service Model**\n![Competitive Service Model](https://raw.githubusercontent.com/bm-protocol/docs/refs/heads/main/images/competitive-service-model.jpg \"Competitive Service Model\")\n\n## 1.4 Problems Addressed\n\nBM Finance aims to serve as the value bridge between these two ecosystems, breaking down barriers and enabling seamless, frictionless value circulation across on-chain and off-chain markets. This promotes the deep integration of global asset markets while unlocking greater liquidity and growth potential for global assets.\n\n### 1.4.1 Challenges When Transitioning from the Crypto World to Traditional Finance\n\n* **Missed Growth Opportunities**\n When users sell crypto assets to obtain fiat liquidity, they often forgo potential future price appreciation, limiting the long-term growth potential of their holdings.\n* **High Costs and Complex Processes**\n On/off-ramp processes are complicated and expensive. Converting between crypto assets and fiat currency typically incurs high transaction fees, which significantly erode user returns.\n* **Heavy Capital Gains Tax Burden**\n In many jurisdictions, selling crypto assets triggers substantial capital gains taxes, in some cases as high as 50%, further compressing investment returns.\n\n### 1.4.2 Challenges When Entering the Crypto World from Traditional Finance\n\n* **Limited Compliant Channels**\n Fiat on-ramp options for individuals are scarce. Most regulated channels primarily serve institutional or high-net-worth clients, making it difficult for small and mid-sized investors to participate directly.\n* **High Entry Barriers and Complex User Experience**\n Crypto financial products are often complex, requiring specialized technical skills and financial knowledge. The steep learning curve and operational complexity make it challenging for average users to enter and participate effectively.\n* **High Fees and Cumbersome Procedures**\n Fiat on-ramp services frequently involve high fees, complex identity verification, compliance checks, and lengthy onboarding processes. Users often face significant service charges and hidden costs, resulting in a frustrating and inefficient experience.\n\n## 1.5 Competitive Analysis\n\n![Competitive Analysis](https://raw.githubusercontent.com/bm-protocol/docs/refs/heads/main/images/competitive-analysis.png \"Competitive Analysis\")\n\n## 1.6 Massive Market Integration Potential\n\nWithin the global financial system, digital assets remain in the early stages of rapid development. A significant value gap continues to exist between traditional finance and crypto finance. Crypto assets are positioned to serve as a powerful complement to traditional financial systems, this is precisely the core opportunity that BM Finance Protocol is targeting.\n\n* **Global Traditional Financial Market Size**\n As of July 2024, the combined market capitalization of global equities and bonds has reached approximately **USD 255 trillion**.![Global Traditional Financial Market Size](https://raw.githubusercontent.com/bm-protocol/docs/refs/heads/main/images/global-traditional-financial-market-size.png \"Global Traditional Financial Market Size\")\n* **Crypto Asset Market Size**\n As of June 2025, the total global cryptocurrency market capitalization stands at approximately **USD 3.4 trillion**.\n ![Crypto Asset Market Size](https://raw.githubusercontent.com/bm-protocol/docs/refs/heads/main/images/crypto-asset-market-size.png \"Crypto Asset Market Size\")  \n\nThe size of traditional financial markets far exceeds that of the current crypto asset market. This substantial gap represents the primary growth opportunity for future integration. BM Finance’s mission is to bridge this value channel, driving the progressive convergence of these two financial systems, eliminating long-standing value barriers, and unlocking significant incremental market potential.\n\n## 1.7 Business Model\n\nBM Finance operates a clear and sustainable profit model driven by service fees, borrowing interest, and staking yields. While delivering value to users, the protocol establishes a self-reinforcing commercial loop. Revenue grows in parallel with user adoption and transaction volume, enabling long-term value capture capabilities.\n\n### 1.7.1 Core Revenue Sources
![Core Revenue Sources](https://raw.githubusercontent.com/bm-protocol/docs/refs/heads/main/images/core-revenue-sources.png \"Core Revenue Sources\") \n\n### 1.7.2 Advantages of the Profit Model\n\n* **Diversified Revenue Streams:** Multiple income sources — including service fees, interest, and staking yields — enhance resilience across market cycles and ensure revenue stability.\n* **High Scalability:** Protocol revenues scale proportionally with user growth and transaction volume, providing strong expansion potential.\n* **Global Adaptability:** The system is designed to flexibly integrate with various fiat currencies and financial markets, enabling rapid cross-border deployment.\n* **Efficient Capital Utilization:** Flexible asset allocation allows for compounded yield generation, improving overall capital efficiency and operational performance.\n\n## 1.8 Team Experience\n\nBM Finance is powered by a core team that combines deep expertise in traditional finance with extensive capabilities in Web3 technology. With cross-cycle and cross-domain industry experience, the team is committed to building institutional-grade blockchain financial infrastructure.\n\n* **Proven Experience in AI Product Deployment**\n Extensive hands-on experience in building and scaling AI-powered systems across finance, security, and education. Delivered a digital asset payment platform with natural language interaction, real-time compliance checks (KYA, KYT, sanctions), and multiple conditional payment methods (Direct Pay, Cooling-off, Escrow, Batch). Deployed intelligent voice systems for major banks using ASR/NLP/TTS for fraud detection and automated transactions. Built risk control engines for cybersecurity and financial platforms, and applied machine learning in mobile security (e.g., Norton Mobile Security). Developed AI-powered advisory systems using LLMs for education and healthcare.\n* **Blockchain Innovation & Central Bank Collaboration**\n Led blockchain initiatives with central banks in Asia-Pacific and Africa, including gold-backed stablecoin models and cross-border payment pilots. Delivered real-world projects like Project DESFT (escrow payment for trade finance) and RBA’s tokenized invoice pilot. Recognized with multiple awards including the 2024 MAS FSTI Innovation Grant and finalist at the Singapore FinTech Festival Hackathon. Pioneered blockchain adoption for payment, supply chain, and finance sectors.\n* **Industry Impact & Knowledge Leadership**\n Actively advancing blockchain literacy and digital transformation by training central banks (e.g., Bank of Ghana, Bank of China) and lecturing at NUS on Blockchain & DeFi. Recognized with awards like Gartner Innovation of the Year and IDC Future of Trust. Published in journals such as *Blockchain in Healthcare Today* and delivered over 10 keynote speeches at global events including World Blockchain Summit, Tech Week SG, and MAS-backed Web3 forums.\n\n## 1.9 Tokenomics\n\nBM Finance issues the protocol-native governance and value capture token **$MONEY**, designed to drive long-term protocol growth, foster ecosystem collaboration, enable value sharing, and ensure the sustainable development of the protocol’s governance framework.\n\n### 1.9.1 Token Role & Positioning
![Token Role & Positioning](https://raw.githubusercontent.com/bm-protocol/docs/refs/heads/main/images/token-role-positioning.png \"Token Role & Positioning\")\n\n### 1.9.2 Core Utilities of the Token\n\n#### 1.9.2.1 Staking Mechanism\n\n* Users can stake $**MONEY** to participate in protocol governance and increase their voting power.\n* Stakers are entitled to profit-sharing based on protocol revenues, which include:\n * Interest income from loans\n * Fees from fiat on/off ramp services\n * Yields from asset management\n* Stakers enjoy discounted fees on borrowing services and fiat on/off ramps during the staking period.\n* A portion of the staking pool is subject to lock-up, creating a stable long-term liquidity pool.\n\n#### 1.9.2.2 Fee Utility\n\n* Using $**MONEY** to pay protocol fees offers an up to 50% discount.\n* Discounts apply to various fee scenarios, including:\n * Fiat on/off ramp fees\n * Loan interest payments\n * Pay gas fees\n* This enhances $**MONEY**'s utility and payment value across day-to-day protocol use cases.\n\n#### 1.9.2.3 Ecosystem Incentives\n\n* Targeted support for long-term contributors including:\n* Ecosystem builders\n* Strategic partners\n* Developer communities\n* Market expansion teams\n* Compliance consultants\n\n### 1.9.3 Deflationary & Value Growth Mechanisms\n\n* **Revenue Buyback**: A portion of quarterly protocol profits will be used to buy back and burn $**MONEY**.\n* **Dynamic Emission Reduction**: The incentive pool will follow a pre-set decaying release curve, gradually decreasing emissions year-over-year to control long-term inflation.\n* **Staking Requirement**: Core protocol functions and governance rights require $**MONEY** staking, increasing long-term holding demand.\n* **Vesting & Unlocking**: Team, marketing, and ecosystem partners will be subject to rational lock-up periods and vesting schedules to ensure healthy token circulation in the market.\n\n### 1.9.4 Ways to Earn $MONEY\n\n**Early Participants**\n\n* Early seed users of the protocol may receive $**MONEY** airdrop rewards for participating in new feature testing, contributing to community building, and supporting protocol promotion.\n\n**Protocol Users**\n\n* Users who engage in protocol services (such as collateralized lending, fiat on/off ramp, liquidity provision, etc.) can earn $**MONEY** rewards.\n\n**Staking $MONEY**\n\n* Users who stake $**MONEY** will receive staking rewards based on their staking amount and duration.\n\n## 1.10 Roadmap\n\n### 1.10.1 2025 — Core Product Development and Rapid Iteration Phase\n\n#### 1.10.1.1 Q3: Product Development & Invitation-only Beta + Public Beta\n\n* Collateralize crypto assets (USDC/USDT/WBTC/ETH/VIRTUAL) to obtain fiat liquidity.\n* Fiat on-ramp and off-ramp services.\n* Automated liquidation mechanisms.\n* Official launch of Public Beta.\n* Token incentive mechanisms.\n* On-chain LP liquidity provisioning support\n\n#### 1.10.1.2 Q4: Optimization, Validation & Go-To-Market\n\n* Launch of GTM (Go-To-Market) strategy.\n* Deployment of virtual account system, integrating brokerage, credit card, and payment channels.\n* Introduction of on-chain yield generation strategies.\n* Support for additional fiat currencies such as EUR, MXN, and others.\n* Enhancement of compliance, risk management, and regulatory reporting systems.\n* Enable composable services for AI Agents.\n* Achieve cumulative transaction volume exceeding USD 10 million.\n\n### 1.10.2 2026 — Market Expansion and Ecosystem Building Phase\n\n#### 1.10.2.1 Q1: Asset Diversification & Ecosystem Expansion\n\n* Support for RWA collateralized lending.\n* Multi-chain and cross-chain asset integration.\n* Establishment of early ecosystem alliances to onboard key Web3 and DeFi partners.\n\n#### 1.10.2.2 Q2: Global Expansion & Scale Breakthrough\n\n* Build regional compliance and partnership networks.\n* Deepen collaboration with institutional and enterprise clients.\n* Onboard large-scale liquidity providers to continuously expand LP capacity.",
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Investment info last updated: Jun 23, 2025 03:19