👋Welcome to FU Capital
About the Product
FU Capital is a decentralized Web3 platform that democratizes the debt capital markets by offering a "Marketplace Lending" or "Peer-to-Peer Lending" experience to individuals and institutions alike. Unlike traditional banking, FU Capital connects borrowers directly with liquidity, eliminating middlemen like banks. Through our platform, you can add funds towards borrowers seeking funds, earning potentially higher interest than what you'd find with bank fixed deposits and even some mutual funds. At the same time, borrowers benefit from lower interest on loans.
Our platform leverages blockchain technology—think of it as a highly secure digital ledger—to manage all transactions seamlessly. This ensures transparency, security, and efficiency.
Why Choose FU Capital?
With FU Capital, you get better interest and more control over your capital. Our platform is designed to provide financial services to those who might be excluded by traditional banking systems, all while giving you on-chain access to high-yield, real-world assets. Whether you prefer tokens or stablecoins, FU Capital offers the functionality to add funds and exit positions using your cryptocurrency wallet alone.
What FU Capital Does
FU Capital is at the forefront of decentralized finance (DeFi), specializing in connecting users who provide liquidity, with real-world assets through blockchain technology. Here's how it works:
Lenders: Lenders (e.g. FinTechs) seeking liquidity list their loan portfolios on our platform.
FU Capital: We assess the risks and potential returns of these assets, conducting thorough vetting on your behalf.
On-Chain Listing: We make these opportunities visible to users on our platform.
User: You, as a User, can directly fund these opportunities by deploying funds, and earn returns based on terms set in the smart contracts.
Blockchain Technology: Our platform operates on the same secure, transparent system that powers cryptocurrencies like Ethereum, ensuring that every transaction is recorded immutably.
How It Works
Let’s say you want to add funds in a loan that offers a high rate of interest. Here’s how FU Capital simplifies the process:
A lender lists the loan(s) on behalf of the borrower.
You discover this opportunity on FU Capital's platform and decide how much to deploy using tokens (USDC/USDT/FUT).
An Agreement of Sale is created between you and the FU Capital platform, outlining the interest, loan amount, and the protocol in case of loan default.
The borrower receives your funding.
You start earning interest automatically, according to the loan tenure and agreed-upon rate of interest.
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