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Product
FU Capital is a Web3 platform that changes the way we approach debt-capital markets. By integrating decentralized finance (DeFi) principles with traditional debt instruments, FU Capital offers a unique marketplace where global users can access and fund fractionalized, tokenized debt portfolios backed by real-world assets.
Our platform eliminates the inefficiencies of traditional financial systems by leveraging blockchain technology, ensuring transparency, security, and direct access to lucrative opportunities that were previously out of reach for many.
At FU Capital, we empower users to deploy funds into a diversified range of loan portfolios, each represented by LP tokens, providing a new level of flexibility and control over financial growth.
Our platform eliminates the inefficiencies of traditional financial systems by leveraging blockchain technology, ensuring transparency, security, and direct access to lucrative opportunities that were previously out of reach for many.
At FU Capital, we empower users to deploy funds into a diversified range of loan portfolios, each represented by LP tokens, providing a new level of flexibility and control over financial growth.
FU Capital?
What is
With a focus on democratizing access to the debt-capital markets, FU Capital allows you to build wealth in a secure, compliant environment.
Backed by our experienced team, with decades of expertise in finance, lending, and blockchain, and aligned incentives, we are committed to creating a platform that not only meets but exceeds the expectations of our users.
Backed by our experienced team, with decades of expertise in finance, lending, and blockchain, and aligned incentives, we are committed to creating a platform that not only meets but exceeds the expectations of our users.
FU Capital Work?
How Does
Retail borrowers borrow from Lenders, who bundle loans into portfolios
This creates a loan facility, which can be seen as a cash flow asset to the Lender. Profit is earned when the principal is repaid with interest. By bundling multiple loans into a portfolio and offering them for sale, Lenders are able to create a tradable asset that benefits from diversification. For example, if one borrower defaults, the rest of the portfolio should still retain most of its value. This makes the asset more attractive to buyers.
Loan portfolios are submitted to FU Capital
Loan portfolios from Lenders are presented to FU Capital. FU Capital conducts due diligence and KYC/AML checks.
LP Tokens are created
Once approved and whitelisted, Lenders can use an on-chain Loan Contract to tokenize their loan portfolio and list it in the marketplace as LP tokens. Each LP token represents a fractional share, or small piece, of the underlying loan portfolio.
Dapp users buy and trade LP Tokens
At this stage, Dapp users can begin to buy the LP Token, and enjoy the cash flow from the underlying debt as passive income.
Loan is repaid on maturity
When the loan reaches maturity, it is repaid in full with interest. The process of repayment ‘buys back’ the LP Token at par value, returning the principal amount to the holder of the LP Token.
User Profiles
User Profiles on FU Capital are non-custodial. These profiles allow users to connect their external Ethereum Virtual Machine (EVM)-compatible wallets, enabling them to add funds into LP Tokens and manage positions securely within the DApp.
LP Reward Engine
The LP Reward Engine manages the distribution of LP Rewards. It functions as an escrow facility, automating interest payments and the maturity repayment of LP Tokens. This ensures that all financial transactions related to LP Tokens are handled securely and efficiently, with funds being distributed according to the terms set in the smart contracts.
Community Governance
Through Community Governance, users can vote on proposals, contribute feedback, and influence the direction of the platform.
Lender Profiles
Lender Profiles are custodial crypto asset wallets used by Lenders to store proceeds from LP Token sales. These Profiles also offer tools for managing interest payments and loan maturity, ensuring Lenders can efficiently handle their financial obligations within the platform.
Gamification Centre
The Gamification Centre is designed to enhance user engagement through educational tools, competitions, and community services. Funded by the Platform Pool, it offers various activities that reward users for participation, such as quizzes, challenges, and community-driven initiatives.
Features
Key
DApp Marketplace
The DApp Marketplace is a peer-to-peer (P2P) marketplace that facilitates both primary and secondary sales of Loan Portfolio (LP) Tokens. Lenders can list their loan portfolios on the primary market, allowing users to fund these opportunities directly. In the secondary market, users can trade their LP Tokens with other platform members.
LP Mint Engine
The LP Mint Engine fractionalizes and tokenizes loan portfolios into LP Tokens through the deployment of smart contracts. Controlled by FU Capital, the LP Mint Engine ensures that each token incorporates prior assessment data of the Lender and their loan portfolio, providing transparency and trust in the tokenization process.
FU Ledger
The FU Ledger is a permissive database managed by FU Capital that combines off-chain storage of customer data with on-chain storage of activity data. The ledger allows for secure record-keeping and provides a clear audit trail for all platform activities.
User Level System
The User Level System ranks users based on their activity and contributions to the platform. Higher-ranked users enjoy increased privileges and rewards. The User Level System encourages sustained engagement and rewards users for their loyalty to the FU Capital ecosystem.
When registering to buy a token, we will inform you beforehand the FU Token public sale will start.
Buy FUT
Request invite to FU Capital ecosystem with option to but FUT tokens.
This form collects your name, email and optionally phone number. Check out our Privacy Policy for the full story on how we protect and manage your submitted data!