Quickstart

What is WeFi Ecosystem?

WeFi Vision and Mission

At WeFi, we envision a future where financial systems are universally accessible, secure, and intelligent, built on the foundation of decentralized regulatory innovation. Our mission is to redefine financial compliance by moving away from outdated ID and transaction-based rules to advanced, behavior-based identification that adapts to both global standards and local requirements.

Harnessing Decentralized Networks and AI

By leveraging decentralized networks and AI, WeFi will aggregate and analyze millions of on-chain transactions to create a robust data ecosystem that continuously learns, adapts, and predicts potential risks. Using ITO nodes, our AI-driven platform will detect patterns and behaviors that deviate from the norm, providing real-time insights and proactive measures against financial crime. These insights will be tailored to address global trends and specific local regulatory needs, ensuring both relevance and compliance.

Transforming the Regulatory Landscape

WeFi aims to transform the regulatory landscape by equipping governments and financial institutions with actionable, data-driven insights. This empowers them to develop more effective and adaptive regulations. Our permissioned blockchain, WeChain, built on the Cosmos architecture, uses L1/L2 solutions to provide seamless integration for banks, fintechs, and regulators globally. This setup enables local nodes to process country-specific data while maintaining global awareness, enhancing the resilience and adaptability of financial systems to emerging threats.

A Borderless Financial System

As WeFi evolves, every bank and fintech will have the capability to run ITO validators, contributing to a global network that detects and prevents financial crime, fostering a truly borderless financial system. Users will be incentivized to run nodes, benefiting from reduced operational costs and enhanced security. Financial organizations, including fintechs, will allocate budgets to incentivize ITO nodes to deliver highly accurate predictions, ensuring the decentralized network remains robust and effective. This dual-incentive structure aligns the interests of both users and companies, providing tangible benefits for all participants.

Powering Decentralized Applications with WeChain

WeFi’s WeChain will be a powerful platform for running permissioned decentralized applications (DApps), enabling a wide range of services, including:

• Neobanks

• Remittance kiosks

• Stablecoins

• Node services

• Data platforms

• KYC platforms

• Counterfeit detection services for corporations

With WeFi’s blueprints, such as those for Neobanks and Nodes, anyone can easily establish and operate their own business by deploying a validator on WeChain, tapping into a vast ecosystem of financial innovation.

Universal Basic Income and Data Control

For everyday users, WeChain offers a unique opportunity for Universal Basic Income, where participating in the ecosystem—by making transactions and using our apps—helps train AI models. The most valuable asset everyone has is their data, and through WeChain, users have full control over it. They can choose to keep their data private, resell anonymized portions, or grant full access to the network for maximum rewards, turning their everyday activities into a source of income. This ensures that Universal Basic Income is both accessible and flexible, catering to different levels of user engagement.

Focusing on Real-World Use Cases

At WeFi, we put product use cases front and center, demonstrating the real utility of blockchain technology to inspire the rest of the industry to follow suit. Our focus is on solving real-world problems that affect everyday lives and global financial systems, rather than promoting unnecessary DeFi, L1, and L2 solutions as standalone technologies.

Addressing Common Industry Challenges

We’ve identified a major issue: banks, corporations, neobanks, and financial services keep reinventing the wheel—building their own systems for KYC, data management, payments, and ledgers—when they should be focusing on serving their customers. At the same time, users aren’t finding enough value to stay engaged. Traditional methods like discounts and promotions fall short when there’s limited real-world use.

That’s where WeFi steps in. We provide a complete, ready-made infrastructure, allowing businesses to focus on their customers while offering users genuine reasons to stay engaged through meaningful utility and financial rewards. Unlike airdrops and marketing gimmicks, WeFi has created an ecosystem where users can earn by actively participating. Whether it’s through using QR codes for businesses or running AI nodes to contribute computational power to the network, users are rewarded for contributing to the ecosystem. While short-term buzz fades, WeFi is built to offer real, lasting value through active involvement and engagement.

Completing Our Mission

WeFi’s mission will be fulfilled when financial services, whether dealing in fiat or crypto, choose to use WeFi’s infrastructure instead of building their own. Our goal is to create an ecosystem where users remain engaged by fully utilizing the data they generate, ensuring long-term retention and continuous engagement.