DeFi Capital Markets
Quotient.fi, the DeFi marketplace enabling liquidity and leverage for any asset through bespoke structured products.
With Quotient, there are no intermediaries, no additional token or pool to manage. Use any asset combinations including NFTs to raise capital or earn automated returns on your fractional investments.
What Is Quotient.fi
Existing DeFi structured products are not designed to support all types of digital assets or positions. They also do not cater to individual risk preferences. Users have very limited bargaining power in pool based products and often bear additional token layer friction and risk.
Quotient is an open-for-all decentralized capital market that unlocks liquidity and leverage for any asset or position; enabling anyone to create or invest in DeFi Structured Products. Products are fractionalized as NFTs to lower barrier of entry and for non-fungibility.
Quotient enhances risk evaulation through decentralized solutions for Credit Risk Rating of assets (βToro Asset Rating) & borrower Creditworthiness (KnowYourWallet Credit Score).
BORROWERSBorrow against any crypto asset or position bundle across chains
Bespoke LTV ratio, interest rate, and maturity
Direct sales, auction, or whitelist your investors
No pool based auto liquidation. Borrow or lend on your terms
Earn incentives on payback
LENDERSEvaluate potential risk through Credit Risk rating, borrower Credit Score, and offered yield
Negotiate your terms based on the product. Be it LTV, Interest Rate of Price.
Exposure at fractional cost to multiple assets
Earn streamed incentives for your liquidity
No performance fee
DAOs & ProjectsAccess liquidity without monetizing equity
Diversify treasury through term investments
Create or trade cash flow based or equity structures
Limit access and exposure by selecting your investors or your community
No intermediary token friction or risk
The platform is governed by QuoDAO through progressive decentralization. Anyone can be part of the governance process following a 1 Quo - 1 Vote principle.
DAO participants may accrue 60% of the platform revenue as rewards based on an engagement factor that includes active governance participation and token ownership. DAO members can extend proposals for improving the platform and underlying rating methodologies.
DAO can also nominate members to open councils for Credit Risk Rating, Credit Score and Yield Strategies each of which has different voting mechanisms. DAO offers product grants for continued development of the platform and ecosystem.
Can you imagine a TradFi instrument like a Tesla or Apple stock and your favourite crypto assets bundled and fractionalized as a financial NFT generating automated DeFi yield? That is Quotient PLUS in a nutshell.
Quotient PLUS is a regulated platform with KYC requirements, open for custodians, funds and crossover financial instrument issuers to create, offer structured financial products and extend leverage through DeFi composability.
Expected to go live in Q3 2022, it acts as an application and middleware layer for issuing regulated structured products with composite (DeFi+TradFi) Credit Scores and product ratings.
Decentralized Credit Risk Ratings &
under the hood
Co-founder, Product Strategy
Research & ML
CEO, Gather Network
Start of our Journey
Product Ideation and Research : In May of 2020, Hari and Johnny, through their involvement in the crypto space, identified key challenges they faced in DeFi and envisaged a protocol where investors had better tools to assess risk while enabling DeFi exposure to pre-DeFi crypto assets. Initial constructs of a more intelligent decentralized approach to Credit Risk and Creditworthiness started to take shape.
Initial technical developments were self-funded, and academic experts were retained to think through a new paradigm for evaluating risk on DeFi. Additional partners were recruited to augment protocol design and product development. Industry thought leaders were added as advisors to assist in roadmap design to ensure project viability.
MVP development kicked-off with iterative changes to protocol design, rating methodologies and tokenomics with help of experts like Dr. Bianchi and partners like Acheron. A small $130k pre-seed investment was secured through friends and family to facilitate further the progress.
MVP on Ethereum with Zero-Coupon and Straight products are ready and is being migrated to Rinkeby. Credit Score and Rating methodologies are finalized and algorithm is being integrated. Seed raise is in progress with a closed-invite-only Alpha release planned for late September
The second half of Q3 2021 will include the release of our Credit Risk Rating methodology with platform specific weightage for each assets. Seed round will draw to a close by the middle of October.
Closed Beta Mainnet launch with incentivized release. Governance token streaming and mainnet. Product go-live on BSC and & Polygon. Hiring and Hackathons.
Product roll-out to non-EVM chains. Development of non-bridge based structured product creation across chains. Planned DAO go-live based on network effects and councils go-live.
PoC for Quotient PLUS and testnet release. Onboarding testnet users and PoC clients for validation and review.