Tulpea - Whitepaper V1
  • Tulpea: The First Decentralized Bank
    • What is Tulpea?
    • Systemic Failures in Traditional Finance
    • Limitations of DeFi: Structural Inefficiencies and Barriers to Adoption
    • Tulpea: A New Financial Paradigm
      • Architecture: DAO at the core
      • Business Units
  • Decentralized Intermediation
    • Smart-Collateralized Loans in Rental Real Estate Investment
    • RE Lending: Between Bureaucratic Gatekeeping and Asset-limited Lending
    • Inefficient Existing Alternatives
  • Tulpea’s Solution
    • 1. Identification of Opportunities
    • 2. Submission to the DAO
    • 3. Collective Capital Contribution
    • 4. Debt structuring
    • 5. Deal Execution
    • 6. ABDT Distribution to Lenders
    • 7. REBT Distribution to Borrowers
    • Banking-Financed Model
  • System Analysis
    • Borrowers’ Perspective
    • Lenders’ Perspective
    • Institutional Lenders’ Perspective
  • Expansion of the Model: Decentralized Banking
  • veTULIP: Locked Governance & Incentive Mechanism
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  • Vision
  • The Problem We Solve
  • What We Are
  1. Tulpea: The First Decentralized Bank

What is Tulpea?

NextSystemic Failures in Traditional Finance

Last updated 1 month ago

Vision

Tulpea is pioneering the first fully decentralized banking ecosystem, where users regain control over capital allocation, financial products, and value creation. Unlike traditional banks that concentrate power and liquidity, or existing DeFi platforms that remain fragmented and inefficient, Tulpea integrates decentralized governance, systemic approach, and efficient capital circulation into a self-sustaining ecosystem.

The Problem We Solve

Financial systems today operate through centralized gatekeepers, leading to inefficiencies, rent-seeking behavior, and exclusion. DeFi, while promising, suffers from poor capital efficiency, lack of innovation in financial products, and over-reliance on speculation. Tulpea fixes these inefficiencies by designing a self-reinforcing comprehensive economic circuit, where liquidity, financial products, and innovation are continuously optimized through decentralized mechanisms.

What We Are

Tulpea operates at the intersection of DeFi, TradFi, and real-world assets, creating a seamless financial topology where protocols, users, and enterprises interact in a decentralized, synergistic framework. Tulpea is true financial singularity, bringing DeFi to institutional-grade market standards!

Tulpea is not just a decentralized bank—it is a Self-Sustaining Financial System based on three core concepts:

1️⃣ Liquidity Flow Circuit: Liquidity circulates dynamically within the ecosystem, ensuring optimal capital deployment across stakeholders, financial products, and innovation hubs.

2️⃣ Programmable Economic Zones (PEZ): Specialized financial protocols with predefined rules that establish trust among all participants, enabling the creation of structured and innovative financial products. They leverage blockchain’s decentralization, security, and transparency to facilitate efficient, trustless interactions while ensuring compliance with tailored and sophisticiated financial mechanisms.

3️⃣ Inclusive Financial Framework: Tulpea integrates both TradFi and DeFi, ensuring equal access to financial opportunities for institutional and retail users without discrimination. The system promotes open participation, making financial services more inclusive and equitable.

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