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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  1. Tulpea: The First Decentralized Bank

Tulpea: A New Financial Paradigm

Tulpea is a financial singularity designed to reinvent banking.

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Last updated 1 month ago

The Solution: Tulpea as a DAO-Driven Decentralized Banking Ecosystem

Tulpea proposes a new model—one where:

  • Lending is based on economic opportunity rather than institutional gatekeeping.

  • Intermediation is minimized through decentralized, transparent, trustless protocols.

  • Risk management is ensured through decentralized intermediation and the development of innovative financial tools.

  • Asset management is democratized, allowing participation beyond traditional institutions.

  • Innovation is driven internally through venture creation.

  • Basic financial services are accessible, transparent, and aligned with user sovereignty.

By replacing centralized banking inefficiencies with decentralized financial structures, Tulpea empowers individuals and businesses, ensuring capital flows efficiently, opportunities are distributed fairly, and financial sovereignty is restored.

The Tryptych of Tulpea: Trust / People / Capital Allocation

For any financial system to function effectively, three fundamental pillars must be in place:

1️⃣ Trust 🔒 – A financial system can only operate if participants have confidence in its integrity. Tulpea ensures trust through transparent governance, automated smart contracts, and risk-mitigated financial structures, eliminating the need for centralized intermediaries while maintaining security and reliability.

2️⃣ People 👥 – A financial network must empower diverse participants, including investors, borrowers, institutions, and businesses, ensuring open access to financial opportunities without exclusionary barriers.

3️⃣ Capital Allocation 💰 – Efficient capital deployment is essential for sustainable economic growth. Funds must be allocated to high-value projects, structured financial products, and businesses, ensuring long-term stability and innovation.

Tulpea integrates these three core elements within its DAO and Business Units, creating a self-reinforcing, decentralized financial ecosystem. Each component strengthens the others, fostering efficiency, accessibility, and financial autonomy.

With the five core Business Units (*), Tulpea provides an efficient, decentralized, and fair banking ecosystem, optimizing financial intermediation, risk management, and capital allocation within a trustless framework.