DeFED™ Web4 Bank
DeFED™ Web4 Bank
The DeFED™ Web4 Bank features our decentralized PARYS™ RWA platform: Carbon, Land, Minerals, and Water as financially optimized Real World Assets. Every deposit into DeFED™ can be converted into one of the 4 PARYS™ RWAs offered to generate yield; issued as tokens to avoid unnecessary regulatory oversight, operational expense, and potential taxation. AI driven hyper-personalized lending services work to ensure the lowest commercial loan rates possible. Tokenized AI-first bank services allow native Web2 and Web3 support for Agentic Commerce as needed.
DeFED™ – the Decentralized AI-First Web4 Bank
Why DeFED™?
DeFED™ maps the most legitimate Web3 tokenization model (RWAs) to the most profitable component in Web2 banking (lending), such that the profit mechanism becomes a fully transparent, smart contract-driven, and Basel IV compliant Web4 financial archetype. This financial alchemy allows DeFED™ to become the first and only regulated and decentralized AI-first Web4 banking platform.
How does DeFED™ Work?
How does DeFED™ asset-back a decentralized monetary system?
By utilizing the only asset recognized in all major financial markets worldwide that only exists in digital form – Carbon. Incorporating the PARYS™ Carbon RWA as the primary deposit token allows DeFED™ to remove physical custody, and more importantly, eliminate physical delivery issues associated with other commodities (gold, silver, etc.) suitable for asset-backing a monetary system.
How does DeFED™ manage inflation / deflation, market bubbles, and Black Swan events?
By implementing the DeFED™ 3-phase Quantitative Easing governance model, the DeFED™ network can realign balance sheets systemically, on demand, in real-time to maintain fiscal prudence.
How does DeFED™ support Agentic Commerce?
By integrating AI Agents into DeFED™ banking services, AI is able to fully manage and optimize DeFED™ throughout, per customer request. This enables DeFED™ to interact with external AI Agents and AI-based protocols to perform deposits, payments, loan services, and more.
DeFED™ Key Advantages
To dramatically reduce interest and fees throughout the network, DeFED™ employs 3 primary process strategies into both personal and commercial lending models, targeting profitability while reducing interest rates:
- RWA Specific Accounting Methodologies
- Proxy-Tokenized Hypothecation
- Web4 Network Effect
These exclusive process enhancements allow DeFED™ to achieve maximum profitability, and maximum environmental benefit, simultaneously.
DeFED™ Bank Services
DeFED™ consists of 6 core banking services: Deposit, Withdraw, Payment / Swap, Transfer, Personal Loans, and Commercial Loans. DeFED™ utilizes 3 token categories to implement these core banking services:
- PARYS™ Carbon RWA as the primary deposit token
- REMIT™ as the primary loan token
- REPAY™ as the primary payment token
Additional deposit tokens can include any Parisii™ issued RWA, including PARYS™ Land RWA, PARYS™ Mineral RWA, PARYS™ Water RWA, PARYS™ stablecoin, Tether USD₮ and USA₮, Circle USDC and EURC, Ripple RLUSD, OpenEden USDO, J.P. Morgan JPMD, Custodia/Vantage Avit™, or any other regulated stablecoin.
The DeFED™ base currency, or store of wealth, is the PARYS™ Carbon RWA. REMIT™ is issued to loan recipients with full network liquidity, like a stablecoin, but provides additional services to DeFED™ to be able to manage loans more efficiently and reduce fraud. REPAY™ serves as a means of exchange / transfer of value for DeFED™ customers. Each of the three primary tokens has a native token associated that can be used to govern, pay dividends, or provide fundraising services for DeFED™.
DeFED™ is Sustainable Banking
DeFED™ takes advantage of the PARYS™ RWA proprietary Carbon Accounting methodology based on GHG Protocol to provide significant value for participants across all banking service tiers. PARYS™ RWAs have a total of 5 yield inputs, 3 of which are circular by design, targeting 20-40% APY for all DeFED™ depositors. In addition, DeFED™ loan services leverage the Proxy-Tokenized Hypothecation and Web4 Network Effect strategies to achieve additional yield (20-40% APY).
DeFED™ is the only banking platform designed to counter the massive increase in energy use Artificial Intelligence is creating. DeFED™ funds Sustainable energy production while offsetting AI energy use "at scale" through SDG investments.
DeFED™ achieves Sustainable profitability, while significantly reducing fees and interest for customers, in a structurally superior banking system.