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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Tulpea’s Solution

With decentralized risk management, leveraged P2P real estate financing becomes possible

PreviousInefficient Existing AlternativesNext1. Identification of Opportunities

Last updated 3 months ago

Banks use people as collateral. DeFi uses assets as collateral. Tulpea applies common sense to collateral.

While DeFi has eliminated many of TradFi’s barriers, it has failed to unlock the full potential of collateralized lending. The rigid, market price-based approach to collateral valuation prevents borrowers from leveraging their assets efficiently, forcing over-collateralization and increasing systemic risk.

By adopting transparent, decentralized, and project-based collateral assessment frameworks, Tulpea ensures capital flows are based on economic merit rather than market volatility, paving the way for a more efficient, scalable, and inclusive financial system.

As a decentralized trust intermediary, Tulpea manages risk for lenders, enabling under-collateralized lending from borrower perspective while maintaining security and efficiency for lenders.

  • Tulpea addresses DeFi’s collateral inefficiency by introducing a structured risk assessment model that evaluates an asset’s economic performance, cash flow generation, and intrinsic value rather than just its price.

Asset-backed lending aligns with real estate and rental investment models, where cash flow and property value drive creditworthiness.

  • Instead of treating collateral as a simple financial guarantee, Tulpea integrates project viability assessments, liquidity mechanisms, and structured repayment models to create more efficient, capital-optimized lending solutions.

Real estate tokenization enables fully collateralized lending, eliminating the need for personal credit guarantees.

  • By enabling intelligent leverage on productive assets, Tulpea unlocks new borrowing possibilities that were previously inaccessible due to the limitations of static over-collateralization.

Liquidity access is permissionless, allowing investors to leverage tokenized assets without reliance on traditional banks.

Decentralized risk assessment offered by Tulpea DAO enables access to tokenized real estate credit.