Market Overview and Competitive Landscape

In the decentralized finance (DeFi) sphere, there are projects offering solutions for cryptocurrency lending. These platforms are focused on collateralized lending, where loans are secured by other crypto assets, and they utilize blockchain technology to automate transactions using smart contracts, ensuring transparency and security.

In contrast, Webtransfer not only supports similar collateral-based lending but also significantly expands its capabilities by integrating these financial mechanisms within a social network framework. Such integration allows for the creation of a governance model based on broad participation, where community members actively participate in decision-making through voting and receive support from insurance pools in the form of insured loans.



Credit unions play a key role in this process, allowing members to pool resources for financing loans within the community, making unsecured loans safer and more likely to be repaid, especially if the borrower is a member of the corresponding credit union. This unique combination supports a broader range of credit operations and fosters the development of a community-based approach to funding.


These capabilities distinguish Webtransfer in the DeFi space, where direct peer-to-peer (P2P) interaction without intermediaries is still rare. This approach not only increases the efficiency of risk management through the diversification of lending options but also promotes more active community involvement in management, making Webtransfer a pioneer in combining social interaction with financial technologies. This unique position may serve as a solid foundation for future growth and success of the project.