Don't Burn Capital ($DBC)
Recent developments:
0% of the initial token allocation is held by the creator.
Creator token stats last updated: Jul 3, 2025 22:59
The following is generated by an LLM:
Summary
inconsistent AI bridge protocol with zero founder alignment
Analysis
Don't Burn Capital ($DBC) positions itself as an AI-driven financial protocol bridging on-chain and off-chain liquidity. Key concerns include: 1. **Tokenomics Inconsistencies**: The documentation inconsistently refers to $DBC, $MONEY, and $COMPANY tokens, suggesting potential plagiarism or unprofessionalism. 2. **Zero Creator Allocation**: The creator holds 0% of tokens (1B total supply), raising serious questions about incentive alignment and long-term commitment. 3. **Unclear Team Structure**: While claiming experience with central banks and AI systems, no core team members are explicitly named or verified. 4. **Tenuous Token Utility**: The token appears non-essential to described services (collateralized loans, arbitrage), creating friction where stablecoins might suffice. 5. **Documentation Issues**: Multiple placeholder text segments ('Company Finance'), broken formatting, and skipped images indicate rushed/amateur development. 6. **Regulatory Risks**: Promises of 0% interest loans and tax optimization without clear compliance frameworks. The roadmap's 2025 targets ($10M loan volume) seem unrealistic given current status. While addressing valid pain points in crypto/fiat arbitrage, the combination of zero creator stake, documentation flaws, and unclear value proposition makes this exceptionally high-risk.
Rating: 1
Generated with LLM: deepseek/deepseek-r1
LLM responses last updated: Jul 3, 2025 23:00
Original investment data:
# Don't Burn Capital ($DBC)
URL on launchpad: https://app.virtuals.io/prototypes/0x1FCBf82f59977a31260E7b3059cc4737D34643dd
Launched at: Thu, 03 Jul 2025 22:56:13 GMT
Launched through the launchpad: Virtuals Protocol
Launch status: UNDERGRAD
## Token details and tokenomics
Token address: 0x1FCBf82f59977a31260E7b3059cc4737D34643dd
Top holders: https://basescan.org/token/0x1FCBf82f59977a31260E7b3059cc4737D34643dd#balances
Liquidity contract: https://basescan.org/address/0x519cc3409b6c014B41Bd944d9Ab48A5E19b3B273#asset-tokens
Token symbol: $DBC
Token supply: 1 billion
Creator initial number of tokens: Creator initial number of tokens: 0 (0% of token supply)
## Creator info
Creator address: 0x4c0265c3976939dBdbd3542eeAc64289E73dc98E
Creator on basescan.org: https://basescan.org/address/0x4c0265c3976939dBdbd3542eeAc64289E73dc98E#asset-tokens
Creator on virtuals.io: https://app.virtuals.io/profile/0x4c0265c3976939dBdbd3542eeAc64289E73dc98E
Creator on zerion.io: https://app.zerion.io/0x4c0265c3976939dBdbd3542eeAc64289E73dc98E/overview
Creator on debank.com: https://debank.com/profile/0x4c0265c3976939dBdbd3542eeAc64289E73dc98E
## Description at launch
Faith Over Fiat. Don’t burn your capital. DBC is a real life corporation with major investments like Circle $CRCL and $COIN. Company is an agent that executes its ows proprietary onchain strategy and uses the proceeeds to purchase shares of $CRCL and $COIN. Company lets you collateralize your crypto and borrow fiat at rates as low as 0%. And immediately, AI Agents will supercharge your virtual Account, making global arbitrage a breeze.
## Overview
DBC 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, DBC 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. DBC 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.
DBC 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
DBC 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%**
Company 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**
Company 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
DBC 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. Company 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
DBC 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
DBC is powered by a core team that combines deep expertise in traditional finance with extensive capabilities in Web3 and AI technology. With cross-cycle and cross-domain industry experience, the team is committed to building institutional-grade blockchain financial infrastructure for both AI agents and humans.
* **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 Reserve Bank of Australia (RBA) tokenized invoice pilot. Recognized with multiple awards including the 2024 Monetary Authority of Singapore (MAS) Financial Sector Technology and Innovation Scheme (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 National University of Singapore (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
DBC 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 $Company 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 $C**OMPANY** 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 $C**OMPANY**'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 $COMPANY
**Early Participants**
* Early seed users of the protocol may receive $COMPANY 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 $DBC rewards.
**Staking $DBC**
* Users who stake $DBC 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": "DBC 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, DBC 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. DBC 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\nDBC 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.![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\nDBC 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%\\*\\*\n\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%**\n\nCompany 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** \n\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**\n\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**\n\nCompany 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**![Competitive Service Model](https://raw.githubusercontent.com/bm-protocol/docs/refs/heads/main/images/competitive-service-model.png \"Competitive Service Model\")\n\n## 1.4 Problems Addressed\n\nDBC 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\nWhen 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\n* **High Costs and Complex Processes**\n\nOn/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\n* **Heavy Capital Gains Tax Burden**\n\nIn 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\nFiat 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\n* **High Entry Barriers and Complex User Experience**\n\nCrypto 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\n* **High Fees and Cumbersome Procedures**\n\nFiat 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**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**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. Company 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\nDBC 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\nDBC is powered by a core team that combines deep expertise in traditional finance with extensive capabilities in Web3 and AI technology. With cross-cycle and cross-domain industry experience, the team is committed to building institutional-grade blockchain financial infrastructure for both AI agents and humans.\n\n* **Proven Experience in AI Product Deployment**\n\nExtensive 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\n* **Blockchain Innovation & Central Bank Collaboration**\n\nLed 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 Reserve Bank of Australia (RBA) tokenized invoice pilot. Recognized with multiple awards including the 2024 Monetary Authority of Singapore (MAS) Financial Sector Technology and Innovation Scheme (FSTI) Innovation Grant and finalist at the Singapore FinTech Festival Hackathon. Pioneered blockchain adoption for payment, supply chain, and finance sectors.\n\n* **Industry Impact & Knowledge Leadership**\n\nActively advancing blockchain literacy and digital transformation by training central banks (e.g., Bank of Ghana, Bank of China) and lecturing at National University of Singapore (NUS) on Blockchain & DeFi. Recognized with awards like Gartner Innovation of the Year and IDC Future of Trust. Published in journals such as\n\n\n\n*Blockchain in Healthcare Today*\n\n\n\nand 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\nDBC 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*\n\n Users can stake $Company to participate in protocol governance and increase their voting power.\n\n\n*\n\n Stakers are entitled to profit-sharing based on protocol revenues, which include:\n\n\n\n\n *\n\n *\n *\n\n *\n\n Interest income from loans\n\n\n *\n\n *\n *\n\n *\n\n Fees from fiat on/off ramp services\n\n\n *\n\n *\n *\n\n *\n\n Yields from asset management\n\n\n *\n\n *\n *\n\n*\n\n Stakers enjoy discounted fees on borrowing services and fiat on/off ramps during the staking period.\n\n\n*\n\n A portion of the staking pool is subject to lock-up, creating a stable long-term liquidity pool.\n\n\n\n## 1.9.2.2 Fee Utility\n\n*\n\n Using $C**OMPANY** to pay protocol fees offers an up to 50% discount.\n\n\n*\n\n Discounts apply to various fee scenarios, including:\n\n\n\n\n *\n\n *\n *\n\n *\n\n Fiat on/off ramp fees\n\n\n *\n\n *\n *\n\n *\n\n Loan interest payments\n\n\n *\n\n *\n *\n\n *\n\n Pay gas fees\n\n\n *\n\n *\n *\n\n*\n\n This enhances $C**OMPANY**'s utility and payment value across day-to-day protocol use cases.\n\n\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 $COMPANY\n\n**Early Participants**\n\n* Early seed users of the protocol may receive $COMPANY 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 $DBC rewards.\n\n**Staking $DBC**\n\n* Users who stake $DBC 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: Jul 3, 2025 23:00