DeFi. Unlocked.

Enabling chain-agnostic, user-friendly, fiat-enabled Web3 apps.

DeFi is fragmented. Siloed liquidity, data and financial primitives cause poor user experience. We address these challenges to create a new financial reality - bringing DeFi and TradFi together.

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The Diversifi Protocol

The Diversifi Protocol - the centerpiece of our innovation - is an open protocol that provides cross-chain and off-chain access to liquidity, data, financial primitives and functionality for all decentralized applications. It enables unprecedented capabilities and streamlines the creation of user-friendly Web3 apps.

Benefits

Cross-chain composability

Cross-chain composability – offers DeFi services using multi-chain primitives, data and dApps

New DeFi functionality

New DeFi functionality and usability, through utilization of Web2 services
(e.g. scheduling)

Hybrid on-chain/off-chain apps

On-chain/off-chain apps, through access to off-chain liquidity, financial primitives (e.g., derivatives) and financial services (e.g., fiat, credit, stock exchanges)

Better user experience

New, improved user experience offers access to previously inaccessible DeFi functionality, data and liquidity

Unique Features

Cross-Chain dApps SDK

An open protocol that can be used by anyone who wishes to build cross-chain/off-chain DeFi apps

dApps off-Chain API

API access to services providing access to bank accounts, credit cards, RWAs, stocks, off-chain derivatives

Scheduler

Scheduling and event-driven functionality, adding Web3 apps a time dimension

Intelligent Token Container

The Diversifi Token Container enables augmentation of actions invoked autonomously, hence creating programmatic token behavior (e.g., token with self-offset of carbon footprint, and auto-hedging)

Cross-Chain Web3 Components Library

Build easily, tested, verified and audited discoverable functionality blocks to be used by apps for faster time-to-market and cross-chain interoperability.

Cross-Chain Services and Oracles

Automating and abstracting financial and other actions (e.g., hedging, carbon credits purchase)

Protocol Architecture

Reference Use Cases and Applications

Derivatives-Based Price Protection and Hedging Apps

that provide controlled upside exposure and protection from asset and market price drops.

Intelligent Token Container

that enables autonomous operations triggered and managed by the token (via the container). This facilitates numerous uses, such as automatic carbon offset, self-hedging and price protection, automatic payment of NFT royalties, automatic DAO voting, charity donations, auto staking, tax withholding and reporting.

Fiat Dollar-Cost Averaging (DCA) Scheduled Investment

that uses fiat (credit card or bank transfer) to schedule periodic investments in crypto assets, agnostic to the blockchain. Purchase is always executed at the best available price across all liquidity sources.

ESG and Sustainability Bitcoin, Ethereum, and NFTs

can now be held while automatically purchasing carbon credits for the carbon footprint. The app analyzes, monitors, calculates and offsets the carbon footprint of a token or a portfolio by combining on-chain analysis and integration with carbon credits Web2 services.

The Diversifi Ecosystem and Token Utility

$DVR Utility Summary

Protocol Usage Fees

App Builders pay fees in DVR tokens to create apps and Components Builders earn DVR tokens from apps who use them.

Liquidity Providing and Market Making Incentives

DVR earning programs for liquidity providing and market making.

Treasury

Distribute the DVR revenues for operational purposes: development, marketing, operations, etc.

Validation Incentives

Validators Stake DVR to validate the network transactions

FAQ

Let’s start with the “who.”

We are a team of technologists and businesspeople passionate about blockchain, the future of the web (aka Web3), and finance (aka DeFi). We are building Diversifi to enable the creation of chain-agnostic (off-chain accessible) financial applications. We believe that applications should focus on value and user experience, and not on limitations posed by the chosen underlying network.

Our journey began with addressing financial risks associated with crypto investments. Very soon we realized that we needed to choose a native blockchain - and with that, we faced what we call the DeFi trilemma: choose the primitives and liquidity (i.e., Ethereum), or the low fees (e.g., Polygon), or hype and time-to-market advantages (e.g., Solana or BSC)?

We decided to build the apps the way they should be built: chain-agnostic, with access to off-chain services (web, CeFi, TradFi). The apps use components that provide cross-chain functionality - hence creating an ever-increasing selection of cross-chain composability.

The short answer: all of the above.

A platform “provides the architecture to allow software engineers to build initial capabilities and add to them over time as business needs and technology change.” (Gartner, September 2021). Our SDK and APIs enable the addition of composable technological constructs that use existing components to add new capabilities.

A protocol manages the operations performed on the provided platform components as well as the gateways that interpret and route the requests into and out of the platform components.

The apps are built and executed using the platform components and the protocol-defined operations. Some can be used as standalone dApps, while others are components that need to be part of an applicative container.

We love the quick evolution of cross-chain solutions. In a composable eco-system, this increases the value of our platform. We will use whatever tools, protocols and solutions that are available. Bridges would be great to enable access to tokens on a foreign chain. But that flexibility comes with a price, and there are other primitives that bridges don’t handle (e.g., derivatives, loans vaults).

Cross-chain swaps are great for the particular use case of swapping, but that is far from satisfying the needs of financial apps. And the emerging protocols handle the communication and transport layers, whereas the application layer is not yet addressed.

We believe that the ability to focus on functionality and value instead of core technical questions opens the door to a lot of innovation. Another innovation-provoking aspect is the app-level, cross-chain composability. Functional blocks can be used to build additional blocks - regardless of their source chain, financial primitives and liquidity.

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