Expansion of the Model: Decentralized Banking

The long-term vision for Tulpea is to transition into a fully decentralized, self-sustaining financial ecosystem, progressively reducing reliance on centralized stakeholders. As demonstrated by the peer-to-peer (P2P) financing model, Tulpea has the capability to operate without banks for specific projects. However, traditional financial institutions remain relevant for certain financing structures, creating synergies and additional opportunities within the protocol.

Expanding the Model Beyond Real Estate

While real estate-backed financing serves as the foundation of Tulpea, the protocol’s framework is designed for broader applications. As the ecosystem matures, additional asset classes can be integrated, including:

• Infrastructure Financing: Supporting decentralized funding for large-scale infrastructure projects, leveraging state-backed yield mechanisms for stable and predictable returns.

• Enterprise & SME Financing: Providing funding solutions for businesses of all sizes, from large industrial operations to small businesses, by financing productive assets such as factories, warehouses, and commercial properties. This model ensures that businesses can scale without requiring traditional banking support.

• Revenue-Based Financing (RBF): Allowing businesses to access capital based on future projected cash flows rather than requiring fixed collateral, making financing more accessible to startups and growth-stage enterprises.

• Alternative Yield-Generating Assets: Extending Tulpea’s structured financing model to new industries and asset classes, reinforcing a diversified financial ecosystem.

Tulpea’s long-term evolution is centered around progressive decentralization and expansion into new financial verticals. By automating risk assessment, refining real-world asset tokenization, and integrating a scalable liquidity framework, Tulpea aims to become the first fully decentralized financial infrastructure capable of financing diverse assets and projects without reliance on traditional banking institutions.