WeFi is a next-generation financial platform built on the WeChain blockchain, focused on integrating traditional finance with decentralized finance (DeFi)[3][4].
Key features of WeFi:
- **WeChain's Own Blockchain** - the foundation of the ecosystem, providing scalability, security, and support for a multitude of decentralized applications (dApps)[1][3].
- **$WFI Token** - serves for transactions, staking, collateral for loans, and payment of fees within the platform. Maximum supply - 1 billion tokens[1][3].
- **Integration with LayerZero** - a cross-chain solution for seamless interaction between different blockchains, improving liquidity management and allowing easy asset transfers between networks[4].
- **Investment Lending Protocol** - allows loans with a minimum down payment of 20%, reducing barriers for users[4].
- **Non-Custodial Banking Services (Neobank)** - users retain full control over their assets while enjoying convenient banking functions[3][4].
- **AI for Fraud Prevention** - the platform analyzes transactions in real-time, identifying suspicious patterns and preventing financial crimes with the help of decentralized AI-based nodes[3][4].
- **Regulatory Compliance** - a dynamic compliance system based on behavioral analysis that allows operation in different jurisdictions and enhances transparency[4].
- **Universal Basic Income based on User Data** - users can control and monetize their data, receiving rewards for its use in AI training[4].
- **Participation through ITO (Initial Technology Offering)** - the opportunity to acquire nodes and gain exclusive access to the platform's services and incentives[3][6].
### Goals and Benefits of WeFi:
- Creating an inclusive financial system without borders, where banks, fintechs, and users can interact within a unified ecosystem.
- Reduction of transaction costs and increased speed of cross-border payments.
- Increased security and efficiency of financial operations through AI and blockchain.
- Providing real solutions for banks, neobanks, money transfer platforms, and corporate clients.
WeFi positions itself as a bridge between traditional finance and DeFi, offering innovative products for lending, staking, trading, and asset management with a focus on security.