# Introduction

### What is Liqfinity?

Liqfinity is a crypto platform that lets you borrow, provide liquidity, and earn rewards. No liquidation risk, 100% Loan-to-Value (LTV), and unlimited loan duration.

Borrowers can unlock instant credit against their crypto while staying in full control. Liquidity providers earn hourly rewards from platform fees, with generous returns based on their share in the pool.

Liqfinity also includes smart tools that keep loans secure through fair, dynamic fees and help users manage their activity with ease.

With Liqfinity, maximizing the potential of your crypto is simple, seamless, and rewarding.

{% hint style="warning" %}
**Note**: The Liqfinity app is fully non-KYC, allowing users to access its core features without any identity verification.
{% endhint %}


# Challenges with Existing Crypto Lending Platforms

The current crypto lending ecosystem faces significant limitations that prevent users from fully utilizing their assets. Key challenges include:

* **Low LTV Ratios**: Most platforms restrict Loan-to-Value (LTV) ratios, such as 50% for BTC/ETH or as low as 30% for altcoins and meme tokens, severely limiting borrowing potential.
* **High Liquidation Risks**: Market volatility often leads to forced liquidations, leaving borrowers with unexpected losses and limited control.
* **Limited Rewards for Liquidity Providers**: While existing platforms do offer incentives, they are typically small and fail to share significant revenue with users.
* **Limited Loan Duration**: Most platforms impose strict time limits on loans, forcing borrowers to repay within a set period or risk liquidation if market conditions deteriorate.
* **Complex Navigation**: Many platforms are difficult to navigate, making it challenging for users to access key features or understand the lending process.
* **Poor Support**: Customer support is often slow and unhelpful, leaving users without timely solutions to their issues.


# Our Solution

Liqfinity overcomes the limitations of existing crypto lending platforms by offering innovative, user-focused features:

* **100% Loan-to-Value (LTV)**: Unlike competitors that limit LTV ratios to 50% for BTC/ETH or 30% for altcoins, Liqfinity offers 100% LTV loans (minus a small entry fee based on your tier), allowing users to fully unlock the value of their assets.
* **No Liquidation Risk**: Powered by **Sentinel AI**, our platform ensures borrowers are protected from forced liquidation, even in volatile markets. Fees are dynamically calculated to keep positions secure, giving users the flexibility to hold or close their loans under better circumstances.
* **Generous Rewards for Liquidity Providers**: Liqfinity allocates up to 90% of all hourly fees to liquidity providers, ensuring they earn meaningful rewards based on their share of the pool. Our simple and transparent system makes liquidity provision profitable and predictable.
* **Unlimited Loan Duration**: Forget restrictive time limits—Liqfinity lets users maintain their loans indefinitely, giving them the freedom to repay when it’s most convenient.
* **Easy-to-Use Platform**: Designed for all experience levels, Liqfinity simplifies crypto lending with a user-friendly interface that makes borrowing, providing liquidity, and earning rewards straightforward and accessible.
* **Top-Tier Support with QUANT AI**: Our integrated **AI agent**, QUANT AI, provides instant, expert assistance, ensuring users always have the help they need. With future updates, QUANT AI will also automate key actions and provide market insights for a smarter user experience.


# Loan Utilization

Once you secure a loan on Liqfinity, you can strategically use the funds in various ways:

* **Trading**: Trade while keeping your collateral intact, allowing it to appreciate.
* **Purchases**: Buy assets like real estate or personal items without selling your crypto.
* **Reinvestment**: Diversify by investing in other cryptocurrencies or financial instruments.
* **Liquidity Provision**: Earn passive income by participating in liquidity pools.
* **Yield Farming**: Stake or lend borrowed assets to generate additional returns.
* **Arbitrage**: Profit from price differences across markets or exchanges.
* **Debt Consolidation**: Pay off higher-interest debts to lower overall interest costs.
* **Business Investment**: Fund business ventures without tapping personal savings.
* **Educational Expenses**: Invest in education or professional development.
* **Emergency Funds**: Cover unexpected expenses without selling your crypto.

Liqfinity empowers you to unlock liquidity and leverage your funds however you see fit. 👌


# Borrow

Liqfinity offers an industry-first 100% loan-to-value (LTV) ratio, allowing users to borrow the full value of their crypto with no risk of liquidation and unlimited loan duration.

Powered by Sentinel AI, the platform dynamically adjusts fees to adapt to market volatility, providing users with unmatched security and stability to confidently maintain their positions.

{% hint style="info" %}
Liqfinity ensures borrowers maintain control over their assets, even in volatile markets, with an AI-driven fee structure that prevents sudden liquidation risks.

As fees dynamically adjust based on market conditions, exact future costs cannot be predicted. This means borrowing costs will vary depending on whether the loan was taken during market highs or lows.
{% endhint %}

{% hint style="warning" %}
We plan to introduce an AI-powered feature that will forecast fees based on historical market data, helping users make more informed decisions.
{% endhint %}


# Entry Fee

**Entry Fee: One-Time Loan Initiation Fee**\
The **Entry Fee** is a one-time charge deducted upfront when taking a loan on Liqfinity. The fee depends on your tier: higher tiers unlock lower fees, rewarding committed users.

#### Entry Fee Structure by Tier

| Tier    | Entry Fee | Fee Amount (on $1,000 loan) | Amount Received |
| ------- | --------- | --------------------------- | --------------- |
| Basic   | 4%        | $40                         | $960            |
| Pioneer | 2.5%      | $25                         | $975            |
| Silver  | 2%        | $20                         | $980            |
| Gold    | 1.5%      | $15                         | $985            |
| Diamond | 1%        | $10                         | $990            |

#### How It Works

* The higher your tier, the lower your entry fee.
* Pioneer NFT holders enjoy reduced fees compared to Basic users, encouraging early adoption.
* Silver, Gold, and Diamond users unlock the lowest costs, reinforcing the value of holding more tokens.

⚠️ **Important:** Even though fees are deducted upfront, you must always repay the **full borrowed amount plus any hourly fees**.\
\
*(Example: A Basic-tier loan of $1,000 → you receive $960 after the 4% fee is deducted, but you still owe $1,000 + accrued fees.)*


# Base Hourly Fee

**Base Hourly Fee**\
The Base Hourly Fee is the main cost of keeping a loan active on Liqfinity. It adjusts dynamically with market conditions to keep positions safe from liquidation.

#### Key Features

* **Market-Responsive:** Fees rise when markets are volatile, and are generally lower when prices trend upward than when they fall.
* **Fair and Transparent:** The same fee model applies to all users—no tier favoritism.
* **Flexible Outcomes:** In a downturn, you can choose to hold your position, close and reborrow later, or exit completely.

#### Why Repay Fees Frequently

The longer you let fees build up, the more expensive your loan becomes over time. By repaying fees regularly, you reduce your future costs and keep your position more efficient.


# Hourly Fee Tax

**Hourly Fee Tax: Additional Loan Cost by Tier**\
The **Hourly Fee Tax** is added on top of the Base Hourly Fee and varies by tier. It serves as a revenue stream for the platform, while rewarding higher-tier users with lower borrowing costs.

#### Hourly Fee Tax Structure by Tier

| Tier    | Hourly Fee Tax |
| ------- | -------------- |
| Basic   | 10%            |
| Pioneer | 8%             |
| Silver  | 6%             |
| Gold    | 4%             |
| Diamond | 2%             |

#### Example (Base Hourly Fee = $1.00)

| Tier    | Calculation         | Total Hourly Fee |
| ------- | ------------------- | ---------------- |
| Basic   | $1.00 × 10% = $0.10 | $1.10 / hour     |
| Pioneer | $1.00 × 8% = $0.08  | $1.08 / hour     |
| Silver  | $1.00 × 6% = $0.06  | $1.06 / hour     |
| Gold    | $1.00 × 4% = $0.04  | $1.04 / hour     |
| Diamond | $1.00 × 2% = $0.02  | $1.02 / hour     |

***

This system ensures **fair revenue generation for the platform** while **rewarding active and loyal users** with lower borrowing costs as they progress to higher tiers.


# Payment of Hourly Fees

**Maintaining a Loan on Liqfinity**\
Every loan on Liqfinity has a **health score**. As long as the loan is healthy, it remains open indefinitely. Hourly fees are the main factor that reduce health.

#### How It Works

* **Hourly Fees:** Charged on all active loans and deducted from your USDT wallet, or they accumulate if unpaid.
* **Loan Health:**
  * At **100% health**, your loan is fully safe.
  * As unpaid fees build up, health decreases.
  * At **0% health** (when unpaid fees = 90% of your collateral’s current USD value), your loan is automatically **closed**.
* **Collateral Handling:** When a loan is closed:
  * The platform keeps the collateral.
  * It may sell part or all of it only if needed to cover unpaid fees owed to liquidity providers and the platform.
  * You keep the full USDT loan (minus entry fee), but the collateral is no longer yours.

**Example:**\
You deposit 1 BTC as collateral when BTC = $100,000 → borrow $100,000 USDT.\
If BTC drops to $50,000, then 90% of $50,000 = $45,000.\
If unpaid fees reach $45,000, loan health hits 0% → the loan is closed, and the BTC is kept by the platform.

#### 24-Hour Top-Up Rule

To ensure loans don’t remain open without coverage:

* Liqfinity monitors your USDT wallet balance.
* If unpaid fees exceed your balance, you’ll receive a **24-hour notice to top up**.
* If no top-up happens, the platform will close your loans automatically.

#### How to Keep Loans Healthy

* **Repay Fees Frequently:** Keeping fees under control maintains high health, lowers future costs, and prevents automatic loan closure.


# Flexible Loan Terms

Liqfinity offers unparalleled borrowing flexibility:

* **Unlimited Loan Duration**: Keep loans open indefinitely as long as you cover hourly fees, without the risk of forced liquidation due to time limits.
* **No Fixed Repayment Deadlines**: Repay loans on your own schedule, maintaining full control over your financial strategy, even during market volatility.


# Provide Liquidity and Earn

Liqfinity allows users to earn rewards by providing liquidity exclusively in USDT. Liquidity providers receive a share of at least 90% of the hourly fees generated by loans, distributed based on their contribution to the total pool.

For example, if a provider contributes 1% of the total pool, they earn 1% of the distributed hourly fees. Rewards are calculated hourly and can be claimed at any time with no lock period, as long as fees are being generated.

Liquidity provision comes with a 21-day unlocking period for the initial USDT deposit, ensuring the platform maintains stable liquidity while maximizing earning opportunities for participants.

{% hint style="warning" %}
**Important Note**: Liqfinity only accepts **USDT** for liquidity provision. No other cryptocurrencies or stablecoins are supported at this time.
{% endhint %}


# How it works?

When you provide liquidity on Liqfinity, your funds are locked into the platform, allowing you to start earning rewards immediately. Here's how it works:

* **Unlocking Flexibility**: You can request to unlock your funds at any time, but there is a 21-day unlocking period to ensure platform liquidity remains stable.
* **Earning Rewards**: Rewards are calculated daily and can be claimed anytime without a lock period. 90% of hourly fees are distributed to liquidity providers and divided proportionally based on their contributions to the total pool and current tier.
* **Fair Distribution**: Unlocking your funds does not affect the rewards you’ve already earned, ensuring fairness across all participants.

This system offers flexibility while maintaining platform stability, making it a reliable and transparent way to earn passive income.

{% hint style="warning" %}
**Note**: Rewards are only paid if there are active loans where users are generating hourly fees.
{% endhint %}


# LQLP Token & Leveraged Liquidity Provision

**What Is LQLP?**

When you provide USDT liquidity to the Liqfinity platform, you receive an equal 1:1 amount of **LQLP tokens**. These tokens are **non-transferable utility tokens**, used **only within the platform**.

You exchange your USDT for them and use them exclusively within the Liqfinity ecosystem. You’ll need them to interact with the liquidity pool, and **you can’t withdraw your funds without them**.

***

#### Why Do You Need LQLP?

LQLP is your **key to the liquidity pool**. If you want to:

* Withdraw your funds
* Track your share in the pool
* Earn hourly rewards

You need to hold the equivalent LQLP tokens. They’re not just a placeholder, but a functional component of the platform’s liquidity engine.

Additionally, **LQLP tokens are tied directly to your collateralized loans**. If you use them to borrow USDT and the accumulated **fees exceed your buffer**, some of your LQLP tokens may be **partially or fully liquidated**. When this happens, you **permanently lose that portion of your share in the liquidity pool**.

> For example: If you use 1,000 LQLP as collateral and fail to manage your debt, and 200 of those tokens get liquidated to cover fees, your share in the pool drops accordingly. You won't be able to recover that portion of your liquidity unless you re-enter the pool with new USDT.

This mechanism ensures that LQLP not only represents your share, but also enforces **responsible borrowing behavior** within the platform.

***

#### Leveraged Liquidity Provision

Here’s where it gets interesting: **LQLP tokens can be used as collateral to borrow more USDT**.

Let’s break it down simply:

1. ✅ You deposit USDT → You receive LQLP (1:1)
2. 💡 You use LQLP as collateral → Borrow USDT
3. 🔁 You can then re-deposit the borrowed USDT → Receive more LQLP
4. 🔁 Again, use the new LQLP as collateral → Borrow again

This creates a **loop**, where your participation in the liquidity pool **multiplies**. Each time, your share in the pool grows, and so do your rewards.

However:

* With each iteration, your borrowed USDT increases.
* Your obligation to **repay loans** also increases.
* Hourly **fees apply**, and they compound over time.

***

#### Use Responsibly

This feature is designed for **advanced users** who fully understand the risks. Leveraging your liquidity position can amplify your gains, but also increases your **exposure and debt**.

If used carelessly, your borrowed capital may be consumed by platform fees, leaving you with little to no withdrawal value.

> **Recommendation**: Always monitor your position, understand the cost of borrowing, and use leverage only if you have a clear strategy.


# Reward Distribution

**Liquidity Provider Rewards**\
Liqfinity uses a **proportional pool model** to distribute rewards to liquidity providers.

#### How It Works

* **Proportional Ownership:** Rewards are based on two factors:
  1. **Your Share of the Pool** – If the pool is $1,000,000 and you contribute $100,000, you own 10%.
  2. **Your Tier** – Higher referral tiers unlock a bigger portion of the pool’s hourly fee distribution, with only **Diamond-tier** users receiving the full 90%.
* **Fee Distribution:**
  * Up to **90% of all hourly base fees** are allocated to liquidity providers.
  * Any unallocated portion (when users are not Diamond-tier) is redirected into the **platform treasury** as a backup reserve.

**Example:**

* The platform generates $100,000 in hourly fees.
* A Diamond-tier user with 10% of the pool earns $9,000.
* A lower-tier user with the same 10% share would earn less, since only part of the 90% pool is unlocked for them. The unused portion is redirected to the treasury.

***

This ensures rewards are **fairly proportional to both contribution and tier**, while unused fees strengthen the platform’s long-term sustainability.


# Liqfinity Pay

Virtual Crypto Credit Cards for Everyday Spending

Liqfinity Pay, powered by [Mobilum](https://x.com/mobilumofficial), is a standalone app offering virtual credit cards that enable you to top up with crypto from any source and spend it seamlessly for daily transactions. Designed for convenience, Liqfinity Pay bridges the gap between crypto and everyday spending.

With Liqfinity Pay, enjoy flexible credit limits, cashback rewards, and exclusive benefits. Track your transactions in real-time and manage your spending with ease, all through a user-friendly app that makes your crypto truly usable anytime, anywhere.

{% hint style="warning" %}
**Note**: The credit card requires KYC and is accessed through a separate mobile app, distinct from the main Liqfinity app.
{% endhint %}

{% hint style="info" %}
**Liqfinity Pay is set to launch later in 2025. Stay tuned!**
{% endhint %}


# Tiers

{% hint style="warning" %}
As Liqfinity continues to grow and evolve, tier benefits and fee structures may be updated to Liqfinity evolves with new features and market changes.

Review the latest terms and benefits to stay updated.
{% endhint %}

Liqfinity offers five tiers: Basic, Pioneer, Silver, Gold and Diamond. Each provides increasing benefits and flexibility. Tiers are unlocked either through token locking or, in the case of Pioneer, by holding a special NFT.

<table data-header-hidden><thead><tr><th width="133"></th><th width="120"></th><th width="125"></th><th width="127"></th><th width="126"></th><th></th></tr></thead><tbody><tr><td></td><td><strong>Basic</strong></td><td><mark style="color:orange;">Pioneer</mark></td><td><strong>Silver</strong></td><td><strong>Gold</strong></td><td><strong>Diamond</strong></td></tr><tr><td><strong>Token Lock Requirement</strong></td><td>None</td><td><mark style="color:orange;">NFT</mark></td><td>N/A</td><td>N/A</td><td>N/A</td></tr><tr><td><strong>Liquidity Providing APY*</strong></td><td>1x multiplier<br>e.g. 44%</td><td><mark style="color:orange;">1.2x multiplier</mark><br><mark style="color:orange;">e.g. 52.8%</mark></td><td>1.6x multiplier<br>e.g. 70.4%</td><td>1.8x multiplier<br>e.g. 79.2%</td><td>2x multiplier<br>e.g. 88%</td></tr><tr><td><strong>Max Loan Value</strong></td><td>$1,000</td><td><mark style="color:orange;">$3,500</mark></td><td>$10,000</td><td>$50,000</td><td>$100,000</td></tr><tr><td><strong>Entry Fee</strong></td><td>4%</td><td><mark style="color:orange;">2.5%</mark></td><td>2%</td><td>1.5%</td><td>1%</td></tr><tr><td><strong>Hourly Fee Tax</strong></td><td>10%</td><td><mark style="color:orange;">8%</mark></td><td>6%</td><td>4%</td><td>2%</td></tr><tr><td><strong>Referral Commission</strong></td><td>2%</td><td><mark style="color:orange;">4%</mark></td><td>6%</td><td>8%</td><td>10%</td></tr><tr><td><strong>Leaderboards multiplier</strong></td><td>1x</td><td><mark style="color:orange;">2x</mark></td><td>3x</td><td>4x</td><td>5x</td></tr></tbody></table>

**🔹 Token Lock Requirement**\
Explains what users need to access each tier. Some tiers require locking tokens, while Pioneer is unlocked with a special NFT. Basic has no requirement and is the default tier.

**🔹 Liquidity Providing APY**\
Shows how much of the maximum APY each tier earns when providing liquidity. Higher tiers receive larger rewards. (APY percentages in the table are just examples.)

**🔹 Max Loan Value**\
Indicates the maximum loan size available at each tier. Higher tiers allow users to borrow larger amounts against their collateral.

**🔹 Entry Fee**\
A one-time fee charged when opening a loan. This fee becomes smaller as you move into higher tiers.

**🔹 Hourly Fee Tax**\
An extra percentage added on top of Sentinel AI’s dynamic hourly loan fee. Higher tiers pay less, making borrowing more cost-efficient.

**🔹 Referral Commission**\
Represents the share of referral rewards you can earn from invitees. Higher tiers grant access to a bigger portion of referral commissions.

**🔹 Leaderboards Multiplier**\
Boosts the number of points you earn in Loans, Liquidity Providing, and Referrals. Higher tiers multiply points more, helping users climb the leaderboard faster.


# Tokenomics

{% hint style="info" %}
Don’t ask what’s cooking. You’ll smell it soon enough.
{% endhint %}


# Governance (DAO)

In the future, Liqfinity will introduce a governance framework that empowers the community to participate in decision-making. This system will ensure transparency, inclusivity, and accountability, allowing stakeholders to propose, debate, and vote on key initiatives and policies.

By leveraging decentralized governance, Liqfinity aims to foster community ownership, enhance sustainability, and align the platform’s growth with the needs of its users.

{% hint style="warning" %}
Please note that the governance platform for stakeholders is currently in development and will be rolled out in phases as Liqfinity evolves and expands its features.
{% endhint %}


# Sentinel AI: The Core of Liqfinity

Sentinel AI is Liqfinity’s advanced algorithm, designed to revolutionize crypto lending. It uses sophisticated AI and mathematical models, dynamically adjusting fees in real-time based on market volatility.

This ensures:

* **Fairness for Borrowers**: Protects users from liquidation by maintaining secure loan positions even during volatile market conditions.
* **Maximized Rewards for Liquidity Providers**: Optimizes fee distribution to provide meaningful incentives.
* **Platform Stability**: Ensures a secure and efficient ecosystem for all users through precise and adaptive calculations.

With Sentinel AI, Liqfinity combines cutting-edge technology with user-focused solutions, creating a safer and more efficient lending platform.


# QUANT AI: Your Intelligent AI Agent

Liqfinity introduces **QUANT AI**, an AI-powered agent designed to enhance your crypto experience. In its first version, QUANT serves as an expert support agent, answering questions and guiding users through the platform effortlessly.

<figure><img src="/files/ryGcVQThkrLrvPIvVIGb" alt=""><figcaption></figcaption></figure>

In the future, **QUANT AI Version 2** will revolutionize crypto asset management with advanced, programmable automation, enabling users to:

* **Monitor On-Chain and Social Trends**: Track on-chain data, social sentiment, and key opinion leader (KOL) activity to identify high-impact opportunities early.
* **Automate Loan Management**: Set custom loan parameters for automatic execution. QUANT AI will optimize terms, track collateral, and adjust conditions based on market changes, all with user-defined safeguards.
* **Stay Informed with News and Signals**: Keep up with critical updates, such as partnerships, regulatory changes, and KOL signals, to make timely adjustments to loans and DeFi positions.
* **Receive Tailored Alerts and Recommendations**: Get configurable alerts and actionable insights based on user preferences and market trends, enabling proactive decision-making.

With QUANT AI, managing digital assets becomes smarter, more efficient, and fully tailored to your goals, empowering you to harness the power of AI for better outcomes.


# Roadmap

We are currently in the process of revising our **2025–2026 roadmap** to reflect recent strategic shifts and ensure alignment with our evolving priorities.

Due to the **postponement of the Token Generation Event (TGE)**, the roadmap is being restructured accordingly. At this stage, our efforts are concentrated on **two crucial milestones** that must be achieved **before** the TGE and any subsequent developments can proceed:

1. **Mainnet Launch** – Delivering a stable, secure, and fully functional mainnet is our top technical priority.
2. **Social Campaign Rollout** – Building strong community momentum and brand awareness through targeted campaigns is essential to support the ecosystem and future token-related activities.

These foundational stages are essential to establish the necessary infrastructure and community support for the success of the project.

The updated roadmap will provide a transparent timeline and detailed objectives for each upcoming phase.\
\
**Stay tuned — the new version is coming soon.**


# 2024

#### **Q4 2024 – Q1 2025**

**Airdrop Campaign**

* Launch the **Zealy Pre-Season Airdrop Campaign** to reward early adopters. ✅
* Execute **community-building initiatives** to expand and engage the user base. ✅


# 2025

#### **Q1 2025**

**Testnet Launch**

* Launch **Testnet Part 1** for user feedback and performance testing. ✅
* Launch **Testnet Part 2** to gather additional feedback and refine performance.

**IDO & Token Listing**

* Conduct the **Token Generation Event (TGE)**.
* List the token on **DEXs and CEXs**.
* Secure partnerships with **launchpads and accelerators**.
* Start marketing campaigns to boost token adoption.

**Mainnet Launch & Quant AI v1 Release**

* Deploy the **mainnet**.
* Release the initial version of **Quant AI** to assist users with personalized insights.

**Marketing & Community Growth**

* Host **AMA sessions** and **Twitter Spaces**.
* Strengthen **partnerships** and onboard new users.

**Liqfinity Pay – Mobile App with Virtual Credit Cards**

* Launch a mobile app featuring **virtual credit cards**.
* Allow users to top up from any source and use virtual cards for daily transactions with **real-time tracking** and a **user-friendly interface**.

***

#### **Q2 2025**

**Quant AI v2 Release**

* Launch an enhanced version of **Quant AI** with **advanced analytics** and an improved user experience.

**Swap & Bridge Integration**

* Launch a **simple swap feature** for asset exchanges.
* Integrate **bridge functionality** to improve interoperability across blockchains.

**Partnerships and Expansion**

* Collaborate with stationary **crypto exchanges across Europe** to offer Liqfinity technology.

***

#### **Q3 2025**

**Easy Swap Expansion**

* Improve and extend the **Easy Swap** feature to support additional assets and blockchains.

**100x Leverage Without Liquidation**

* Launch a groundbreaking leverage trading feature with **advanced risk management**, eliminating the risk of liquidation.

**Social Campaigns**

* Execute campaigns to drive **user acquisition** and **retention**.

**New Token Listings**

* Expand the token’s presence on additional **exchanges**.

***

#### **Q4 2025**

**Stream Trading Integration**

* Launch a **gamified trading feature** that enables **live trading on shared charts**.

**Mobile App Launch**

* Roll out a **mobile app** to provide seamless access to all Liqfinity products.

**Buy Now, Pay Later (BNPL)**

* Introduce a **BNPL feature** that allows users to lock crypto prices and settle at a future date.


# 2026

#### **Q1–Q4 2026**

**Liqfinity Incubation Program**

* Support **Web3 startups** by offering loans, liquidity, and payment services under **favorable terms** to foster growth and innovation.

**Liqfinity Labs**

* Design and launch **innovative DeFi products** tailored to meet the needs of both **consumers** and **businesses**, driving the adoption of decentralized finance solutions.


# Referral System

{% hint style="success" %}
Liqfinity’s referral system lets you earn passive income based on the hourly fees generated by your referrals. Earnings depend on your tier, creating a win-win where you gain consistent income, and your referrals benefit from Liqfinity’s ecosystem.
{% endhint %}

Liqfinity features a lifetime referral system that rewards users for inviting others to the platform. Referrers earn a percentage of the 10% hourly fee pool generated by their invitees, based on their tier, while 90% of the fees always go to liquidity providers.

**How It Works:**

You are in the **Diamond tier**, and your invitee generates **$1,000/hour** in base hourly fees:

* **90% ($900)** goes to liquidity providers.
* **10% ($100)** is allocated to the referral pool.

As a **Platinum-tier** referrer, you earn **10%** of your invitee’s hourly fees, which is the full **$100/hour**. No portion of the referral pool is retained as platform revenue since you are at the highest tier.

This system ensures liquidity providers receive at least 90% of the fees while rewarding referrers proportionally based on their tier. The higher your tier, the more you earn from your referrals.

{% hint style="info" %}
**Premium Tier Example:**

You are in the **Premium tier**, and your invitee generates **$1,000/hour** in base hourly fees:

* **90% ($900)** goes to liquidity providers.
* **10% ($100)** is allocated to the referral pool.

As a **Premium-tier** referrer, you earn **8%** of your invitee’s hourly fees, which is **$80/hour**. The remaining **2% ($20)** from the referral pool is retained as platform revenue.
{% endhint %}


# Social Media Links

<table data-card-size="large" data-column-title-hidden data-view="cards"><thead><tr><th data-card-target data-type="content-ref"></th><th data-hidden></th><th data-hidden></th><th data-hidden></th><th data-hidden data-card-cover data-type="files"></th></tr></thead><tbody><tr><td><a href="https://discord.gg/XGPzpgVRKx">https://discord.gg/XGPzpgVRKx</a></td><td></td><td></td><td></td><td><a href="/files/MDpVtmeyOoZL5ZheVQw6">/files/MDpVtmeyOoZL5ZheVQw6</a></td></tr><tr><td><a href="https://t.me/liqfinity">https://t.me/liqfinity</a></td><td></td><td></td><td></td><td><a href="/files/xPxvBkK6UhrBmF7TnjBD">/files/xPxvBkK6UhrBmF7TnjBD</a></td></tr><tr><td><a href="https://x.com/liqfinity">https://x.com/liqfinity</a></td><td></td><td></td><td></td><td><a href="/files/02xb8VJuDmXeb9Px4P1W">/files/02xb8VJuDmXeb9Px4P1W</a></td></tr><tr><td><a href="https://liqfinity.com/">https://liqfinity.com/</a></td><td></td><td></td><td></td><td><a href="/files/i1kFrsofklks7ZDaYHcR">/files/i1kFrsofklks7ZDaYHcR</a></td></tr></tbody></table>


# Milestones

Welcome to our vision hub! Here, you can explore the future of Liqfinity. Our goal is to create an innovative and user-centric platform that evolves with our community's needs. We aim to introduce exciting new features. Stay tuned for updates on our progress and upcoming milestones!


# Stage 1

### **Mobile App Launch**

Launch of a mobile app enabling users to access Liqfinity’s suite of DeFi products seamlessly from their mobile devices, expanding user accessibility and driving adoption.

### Partnerships with Physical Exchange Offices

Partnerships with physical currency exchange offices in Poland, expanding across Europe. These partnerships will integrate Liqfinity’s products into traditional finance channels, enhancing product visibility and adoption in the fiat-to-crypto space.


# Stage 2

### Token Purchase Integration with DEX and Credit Card

Integration with decentralized exchanges (DEX), allowing users to purchase tokens using a credit card. This feature offers convenience and incentives for using our branded card by generating token volume and revenue.

### Easy Swap

A simple currency exchange feature allowing users to swap assets with a single click. Transaction fees vary depending on the user’s tier level.

### Buy Now, Pay Later

Launch of a Buy Now, Pay Later (BNPL) feature for crypto assets, allowing users to lock in crypto prices and settle at a future date, potentially earning profits as market values increase. This feature attracts users looking to capitalize on price fluctuations while maintaining liquidity.


# Stage 3

### 100x Leverage Without Liquidation

Launch of a 100x leverage feature with advanced risk management, offering high-reward trading opportunities without immediate liquidation triggers, appealing to sophisticated traders.

### IBAN Integration

Integration with IBAN accounts will make deposits and withdrawals from the platform easier and more efficient.


# Stage 4

### Stream Trading – The Future of Gamified Trading

A vision for gamified trading where users trade live on a shared chart, adding competitive elements to trading. Other players can attempt to disrupt their trades, but if the trader succeeds, they earn both the trading profit and additional rewards from those betting against them.


# Stage 5

### Liqfinity Incubation Program & Support

We are planning to create a special incubation program that, through DeFi, will assist upcoming projects with loans, payments, and liquidity provision. Providing liquidity support for Web3 Startups by offering favorable collateralization terms, enabling projects to access liquidity for growth while retaining ownership of core assets..