A media project launchpad built on Cardano, funding the next generation of Film, TV and Streaming content creators. Rewards for project token holders (FLICK)

Flickto

Products

*Formerly EXNFT. Rebranded in Mid-October.* The information here has been taken from the previous EXNFT listing as information on the Artifct platform is yet to be released.

## Taken from EXNFT listing

No listing fees are currently planned for the listing of NFTs on launch of the Minimum Viable Product, MVP, and the platform fees are yet to be outlined. On launch of the MVP smart contracts will not be used in the sale and exchange of NFTs, however the function to auction and sell NFTs will be available. Users will even be able to auction and simultaneously offer a “Buy Now” price at the start of an auction; with the “Buy Now” price being removed as soon as someone places a bid.

> The platform will support all non-custodial Cardano wallets

Cardano support is going to come first, followed by smart contract support, followed by support of the ERGO blockchain.

---

## DOA & EXNFT Token

The team plans on integrating a DAO for platform through the release of a platform token, EXNFT.

The EXNFT token will give users advantages on the platform. Early buyers will have access to the BETA version of the platform and holders will be allowed to use their tokens for:

- DOA voting
- Reducing fees for listing and minting NFTs
- Boosting listings on the homepage and social channels
- Gifting on the platform to support new artists

Currently, despite the lack of tokens and DAO, the team has put in place a platform to allow users, registered and anonymous, to vote on future development of the platform.

---

## Scalability

As usage rates of a blockchain grow not only will the blockchain need to increase its throughput but so will the applications and platforms built on that blockchain. EXNFT is planning for this and is built on the Microsoft Azure cloud platform and using a series of node microservices, where each node is purpose built for a specific task in the system i.e. backend, frontend, data, and caching. This use of microservices allows the platform to scale without disrupting the platform itself i.e. no downtime for maintenance.

[UNDER DEVELOPMENT] An NFT minting service and marketplace for auctioning and trading NFTs. Smart contract and ERGO blockchain support coming in the future.

Artifct

Each series will give you a glimpse of each cat's personality as well as to learn of their favorite desserts! Bring one of our cats home. We know they'll make your wallet a happier and sweeter place.

A delicious haven for Cardano cats, DessertCatNFT is an animated, pixel art project designed with cats and desserts in mind.

DessertCatNFT

All fractals are on-chain minted, interact-able and zoomable. You can have many NFTs in one, just zoom into different parts of the fractal and screenshot!


Ada Fractals


## Business tokenization

*The problem*

Although technology is advancing exponentially, it is still difficult for businesses to connect with investors from all around the world. It is true that the internet has helped to solve many of these issues, but we can even go a step further, introducing the blockchain. By using it we provide the chance for investors to invest in startups and businesses with cryptocurrency, making transitions easier for both groups, avoiding banks and other intermediaries.

*The solution*

We will give businesses the platform in which they can create, manage and sell their tokens. This platform will have several functions. Small and big investors can browse through lots of innovative ideas and choose to invest whatever amount of money they want by purchasing their tokens, which we will create for them.

*Marketplace*

Besides providing the platform for tokenization we will be providing a marketplace for all business tokens. Here investors will be able to buy and sell their tokens. And the best? We will be introducing a unique continuous funding system for businesses.

If you are interested in learning more you can check our website, or join our Telegram group!

https://tokenallies.com/

https://t.me/tokenallies


Provides Businesses of all sizes the platform to get tokenized. All on Cardano. We will provide the platform to create, manage and sell business tokens.

Token Allies

The official wallet repository of IOHK, a HTTP API and CLI for working with your wallet.

cardano-wallet

COTI stands for *C*urrency *o*f *T*he *I*nternet and they are a blockchain agnostic, algorithmically designed payment solution with the vision to empower users to freely exchange value on the internet like they currently do with information. Anyone using the COTI Pay network is subject to KYC and AML procedures.

## Trustchain Protocol

The COTI payment network is underpinned by directed acrylic graph, DAG, technology, which is noted for its high scalability. The platform is deigned around a trust-based algorithm, where trust is used to validate and confirm transactions. The Trustchain protocol is a consensus algorithm based on machine learning which assigns Trust Scores to transactions, based on a variety of factors, and then organizes them into chains. Fees decrease to almost zero for the more trustworthy users and the speed of processing their transactions increases.

---

## Decentralized Arbtritation System

A built-in, decentralized, arbitration system provides buyers and sellers with protection against errors and malpractice. Part of this is that merchants are required to adhere to rolling reserves requirements and the required amount is calculated using a combination of the merchants Trust Score and their turnover. A small “rolling reserves fee” is taken from each transaction a merchant receives and this is held for a number of days. When the term has ended the funds are released to the mechant's account. If any user raises an issue with a payment relating to that merchant then then these funds are used to pay that should the merchant loose the arbitration.

---

## The COTI Dime

The COTI network runs on the stablecoin the COTI Dime, its value is held stable at $0.10 and it can be used with merchants accepting COTI Pay. Whilst this is used as the main transfer of value on the network the COTI Dime has a few other important use cases:

- *Arbitration*: Arbitrators stake the COTI Dime in order to partake in the arbitration process. They also receive their rewards in COTI Dime.

- *Node Operator*: Are required to hold COTI Dime to participate in the network and node operator incentives are paid out in COTI Dime.

- *Fees*: All fees across the network are payable in COTI Dime.

---

## COTI-X

A currency exchange with multiple fiat and crypto pairings provides users with access to liquid markets. This allows users to store, pay, and receive funds in whichever currencies they choose; regardless of the choices of who they may be transacting with.

## Applications and Services

For customers COTI offers a wallet where they can store both FIAT and digital currencies. This wallet acts as a bank account and can be attached to a Visa debit card, also provided by COTI, for which users can select the payment currency they want to use on that card.

For merchants COTI provides processing tools to enable them to start accepting payments from customers using the COTI Pay service, where they can choose which currencies they want to accept, and they can also opt to run a full node to make payments quicker for their customers. COTI offers merchants a POS software suite that integrates with COTI Pay and can accept normal credit and debit card transactions.

---

## In Cardano

COTI has partnered with [Ardana](https://builtoncardano.com/ardana), to bring stablecoin crypto-to-fiat payments to the Cardano community, as well as consumers and merchants around the world. 

COTI has also partnered with [occam.fi](https://builtoncardano.com/occam-fi) where they’re looking to merge the launchpad capabilities of OccamRazer with the ADA payment solutions offered by COTI.

### Djed 

Djed is a US dollar pegged stablecoin, that has been algorithmically design and uses smart contracts (that execute entirely on-chain) to ensure price stability. Djed is designed for paying transactions fees on Cardano, and the goal is that this will make transaction costs more predictable. The underlying protocol of Djed operates by keeping a reserve of base coins, and minting and burning both stablecoins and reserve coins. It like an autonomous bank, buying and selling stablecoins for a price in a range that is pegged to a target price. [Read the research paper here](https://eprint.iacr.org/2021/1069.pdf)

A block-less payment solution for creating your own payment network. A payment gateway provider for Cardano and the issuers of US dollar pegged stablecoin Djed.

COTI

Exploring ways to utilize the djed stablecoin in the Occam.fi platform.

A lightweight and simple PWA that allow users to anonymously mint NFTs on the Cardano blockchain from any device.

NFT-MACHINE

PriceArt is an economic portal to the past. Price candlesticks are our starting ingredient, and our creative coding artist molds these into a 1 of 1 NFT. It’s a visually entrancing interactive work of art.

Generative CNFTs modeled with historical Cardano price data. Each NFT is a unique one-of-a-kind piece.

PriceArt

Hosting a live Twitter Space at the end of each epoch where everyone is welcome. Featuring a playful atmosphere and discussing everything from Cardano to cats.

Epochs End

There is currently no minimum stake required to gain access to the tournaments held through Gaming Cardano. However, stakers who stake 1000 ADA or more will receive an NFT that will give them access to exclusive tournaments.

Games on which the tournaments have been held so far include:

- Mario Kart
- Valorant

---
>The creator is also building a virtual art gallery where Cardano NFT artists can hangout, chat and showcase their work to those who come in to browse the gallery.

A Stake-to-Play pool where stakers gain access to tournaments on popular, pre-existing games. The winner of each tournament is awarded ADA and NFT prizes.

Gaming Cardano

## MASKED ON BUTTONS

*A community-driven lore NFT art wherein each collection progress and form part of a bigger MOB narrative.*

### MOB: The 100 Origins

The first collection of MOB released 100 Origins and a Founder. These MOBs kicked off the start of the Masked On Buttons chronicle.

### MOB: The Lore Hunt

MOB's second collection,  dropped 3999 MOBs and 2 secret rares, the Second and Third Founder MOBs. In every MOB Lore, there is a hidden lore snippet in its metadata. During The Lore Hunt Event, the community weaved together all these snippets hidden in MOB NFTs and came out with various versions of MOB Lore, together forming the Official MOB Lore.

*WHEN YOU OWN A MOB, YOU DON’T JUST OWN AN IMAGE STORED IN THE BLOCKCHAIN. YOU OWN A PIECE OF THE STORY, YOU ARE PART OF THE NARRATIVE.*

Digitally hand-drawn, button-eyed, colored characters, wearing facemasks. Every MOB collection forms part of a community-driven MOB lore narrative.

Masked On Buttons

Pixel artist and creator of several NFT art collections on the Cardano blockchain. These include Adalotls, Lucky Neko, Dead Astronaut Crew and more. 

BrownNFT

Pergamon Agora

Welcome to IdentityToken! But wait, what is it? Is it a token sale? an ICO? an NFT?

NO, we are not selling anything!

IdentityToken is an idea, the idea of owning your identity and bringing it with you. Eliminating the need for custodians and middlemen for managing your identity. Eliminating passwords and centralized databases for authentication.

Using the Cardano Blockchain and its Native Asset feature. We are proud to present our proof of concept of the IdentityToken as a means of authentication.

In this page, you will be able to mint your own IdentityToken right in your browser. Without centralized servers and you will be able to receive it directly in your wallet as a Cardano native asset.

Once minted, you will be able to prove your identity to services that will support the protocol. We provide a demo chat-service to show an example on how it could be used. But IdentityToken could be utilized for so many more use-cases.

Potential Applications: NFT Ownership Tracking, Cardano Social Media Profile, Linking third-party services (Discord, Twitter) to your Cardano Wallet, the possibilities are endless!

We will provide a technical white-paper in the future (coming soon™), detailing the rules of the IdentityToken as a protocol and how to use it. In the meantime you can explore out GitHub page. We think it could compliment other authentication protocols like the OAuth2 protocol.

Finally, We don't expect IdentityToken to suddenly be the standard of authentication, we are simply sharing an idea. A glimpse of a decentralized future. A showcase of what Cardano can do, even without smart-contracts!

IdentityToken is an idea, the idea of owning your identity and bringing it with you. Eliminating the need for custodians managing your identity.

IdentityToken

We provide a suite of high availability APIs and developer tools for fast and reliable access to the Cardano network that requires only 1 minute to integrate. Our goal is to lower the entry barrier for development on Cardano by providing reliable infrastructure and easy to use APIs that will allow developers and enterprises to focus on building their business model and growing next-generation software without worrying about infrastructure and operational responsibilities. 

Our solution sits on top of Cardano and will provide the following components:
- HTTP API
- Notify
- Monitor
- Query Composer 
- Data stream
The communication layer will provide access through: 
- REST 
- Webhooks
- Websockets
- Email
- Mobile Push Notifications
- Kafka streams
- AWS Kinesis Data Streams
On the application layer developers will be able to interact with Cardano through the following components: 
- JS SDK
- IOS SDK
- Android SDK
- Kafka Sink connectors
- Kinesis consumer 
Our APIs and developer tools (SDKs) can be used to power a wide range of products like:
- Lightweight Wallets
- NFT Marketplaces 
- DEX (Decentralized Exchange)
- Oracles
- Listing ADA on exchanges 
- Liquidity providers
- DAOs
- DeFi Apps
- Data platforms and blockchain explorers

Highly available and scalable software infrastructure (APIs/SDKs) for developers to build on top of Cardano, saving time and reducing costs.

Tangocrypto

## We are ADAPunks!
### The 10,000 original Punks are now on Cardano.

By minting ADAPunks users are directly helping Kumwe's Hub proposal for the children in Africa with an ADA fund. We pledged 10% of the whole minting revenue with 10 transactions every 10% minted.

The classic 10K collection of Punks now on Cardano with a charity twist.

ADAPunks

*Cardano Blue* provides a fast and easy way for you to mint NFTs and trade the ones you already have - either through auction based or fixed-price sales. You also have a chance to become an integral part of building our marketplace by purchasing *CBLU tokens*.

*CBLU* is an investment token that allows you to get a share of the platform's revenue and your share increases with the number of tokens you have. For each token you buy, one is minted to *Cardano Blue*'s address, which always keeps the profits shared 50/50 between the platform and the investors. Maximum supply of *CBLU* tokens is set  to 352,800. Starting price of *CBLU* token is 1₳ and after each 420 are sold, the price will increase by 1₳ up until the maximum price of 420₳.

NFT Marketplace that provides a fast and easy way for you to mint NFTs and trade the ones you already have, through auction-based or fixed-price sales.

Cardano Blue

## TADA Token
TADA token – TADA – is a Cardano based cryptocurrency token for a fuelling the TADA platform. TADA is a highly functional open source project that banks on blockchain technology’s permissionless nature to provide decentralized finance (DeFi) solutions and other services.

A community-driven token for SPOs of small stake pools to reward longterm delegators with, in addition to staking rewards, to further incentivize delegation.

### Tokenomics
582,550,251 TADA minted
- 8% for Founder.
- 25% SPOs.
- 35% Liquidity Providers.
- 20% Investors.
- 12% Development & Marketing.


An SPO producing informative Youtube content for a Vietnamese audience, also proposing an incentives token for SPOs to reward long-term delegators with.

TADATek

Coinlink is a cross blockchain aggregation service on Cardano, Ethereum, Polygon and later on BSC. Coinlink will gradually channel more and more different Defi protocols into a one-stop solution where users can swap, lend and borrow cryptos to their liking. More importantly Coinlink will also focus on aggregating yield farming services as this is one of the most lucrative services in crypto these days.

The Coinlink team is convinced that Cardano is the most promising blockchain to date. Cardano's foundation is based on thorough research which will put it in an excellent position to be equipped for future challenges not only in the Defi space but in the entire crypto industry. Parallel to Cardano Ethereum will remain a major blockchain in terms of market capitalization and its sheer number of projects that are already in existence here. Polygon by now also has emerged as one of the most important level 2 chains in the space. Other blockchains are gaining importance rapidly by now.

The Coinlink team therefore feels that any aggregation service these days should be truly cross blockchain. For them this means not just deploying their project on different blockchains, but actually making it possible to bridge different blockchains in one go when the user executes a transaction.

Yield farming for example is an excellent way of leveraging the returns on the user's investments. Yield farming protocols have a downside, however, and that is their sometimes overly complicated way of accessing them. A user might need at least to go through two transactions on the same blockchain, but more lucrative options might require the user to go through three or four transactions and also switch between different blockchains. There are tech savvy users that even sometimes are close to letting pass an interesting investment opportunity just because yield farming more often than not is too time consuming and unwieldy to use.

It’s high time to find ways how to streamline this process. Coinlink takes away from users the burden of having to know how many and what intermediary steps a specific yield farming strategy entails to finally reach the desired destination. Coinlink in this respect operates more like a train or a subway. The user hops on the train on one station and exits once he is where he wants to be. No worries on the user's side what borders and boundaries he has to negotiate in between. The user will only be alerted to interact whenever there is something he needs to confirm.

Bringing Cardano into all of this is one of the major steps of the Coinlink project. The world of Cardano opens up an entirely new space for Dexes and yield farming protocols that will benefit hugely from Cardano's efficiency when compared to Ethereum that comes at a fraction of the latter’s transaction costs. This will facilitate new types of Defi services to establish itself that would have been prohibitively expensive on Ethereum like for example micro payments. From its early phase of conception Coinlink has embraced the Cardano project for precisely these reasons.

Coinlink therefore wants to be in the forefront of these new Cardano projects. As Dexes and yield farming protocols become fully operative on Cardano, Coinlink will be among the first to integrate these for the benefit of crypto users.

To achieve their ease of us Coinlink provides the user with an interface in which he enters his asset of origin and the desired yield farming protocol’s target asset. Coinlink then calculates a route for that specific strategy based on the current market data and it is also smart enough to factor in transaction costs. This suggested route is displayed to the user in an easy to use interface where he can then confirm each step until he has arrived at the yield farming protocol’s token. Sounds easy? Well, it’s designed to be.

Coinlink's long-term vision is for blockchains to become fully transparent so that the user doesn't have to concern himself with what blockchain he is currently working on but simply enjoys using the different protocols around.

Coinlink is a cross blockchain aggregator on Cardano, Ethereum, Polygon. It also offers transaction tracking and portfolio management.

Coinlink

A library for serialization & deserialization of data structures used in Cardano's Haskell implementation of Shelley along with useful utility functions.

Cardano Serialization Library

Cardano DEX - swaps, farming, synthetics, derivatives, indexes, capital efficiency via algorithmic automated market making, passive and active investing.

Maladex

Every Bitland can be decorated with items that will be released down the line. Active participation or passive observation of the NFT is completely up to the holder.

Floating minimalistic islands in the tranquil sky. All generated with random attributes such as mountains, waterfalls, campfires, etc. Nature in your ADA wallet

Bitlands

Not everyone makes it, not everyone plans on making it (rug-pull). This is where those projects are put to rest so those who come can see what came before them.

Project Graveyard

An AMM based DEX allowing users to earn rewards for supplying liquidity that creates markets for others to trade native tokens.

Chef Swap

3 dynamic calculators allowing users to understand the potential value of ADA holdings in the future.

ADA Calculators

Failed Projects

Cross-platform, typed, and queryable API for Cardano, containing multiple packages for composing GraphQL services to meet specific application demands.

Cardano GraphQL

A community built repository and supporting documentation that help to simplify multiple processes involved in setting up, managing, and monitoring a stake pool

Guild Operators

In their own words, answering the question "Why is IOHK anchoring a venture firm?", IOKH said:

> "IOHK partnered with a recognized asset manager to bring more world-changing ideas and solutions to market faster." 

This centralized finance option for blockchain projects and blockchain based services will help to bolster capital inflow into the ecosystem.

Their portfolio currently includes: 

- [Ardana](https://builtoncardano.com/ardana)
- [COTI](https://builtoncardano.com/coti)
- [Occam.fi](https://builtoncardano.com/occam-fi)
- [Paribus](https://builtoncardano.com/paribus)
- [SundaeSwap](https://builtoncardano.com/sundae-swap)
- [dcSpark](https://builtoncardano.com/dc-spark)

An early-stage investor, sector agnostic, venture firm anchored by IOHK and managed by Wave Financial.

cFund

$handles act like usernames for your Cardano wallet and can be used in-place of the cryptographic hash addresses we currently use. This means turning this type of address:

~~addr1q8rjjwwj43pudqvctpur9phlymaw2kfzx4tjpf6k5klh92weud5s8zmtdag9nv97n0k4g9a0dxy0zdcwl2grxjwghjpqaafh48~~

into this type of address:

>$builtoncardano

---

Each $handle is a unique NFT and the wallet that holds the NFT for a particular $handle is the wallet where the funds sent to that particular $handle are received.

In order for the $handle service to be useable wallets and projects must integrate the functionality into their platforms. There are plans to release an API that simplifies $handle integration for projects.

Currently $handle has partnered with:

- [Nami Wallet](https://builtoncardano.com/nami-wallet)
- [Maladex](https://builtoncardano.com/maladex)

An address routing service allowing users to own human readable addresses for their Cardano wallets; simplifying the sending and receiving of ADA.

$handle

Users of this tool can edit every factor -even the fluctuating price of ADA year-on-year- that may affect their ADA holding and staking rewards over their chosen time period. results are provided live and visually represented in both graph and table formats.

This tool allows users to run “what if” scenarios and to know what   what might happen the value of their ADA holdings if "X" happens.

Project the future valve of your ADA holdings. Edit multiple metics: timespan, price, investment, and more; to receive live outputs of projected future value.

ADA Staking Calculator

Each MoonRock's elementary traits are similar to those of an actual moon, planet or celestial body. These elementary traits, being real elements, will have a combined value with the value of some being worth more than others. MoonRocks that have a higher inherent value will receive a greater amount of rewards than their less valuable counterparts.

Information on what the rewards are and how they are handed out are yet to be generated.

1815 MoonRock NFT will exist each with different elemental traits. Some will be more valuable than others and all will generate rewards relative to their value.

MoonRock

Astarter is partnered with Cardano's enterprise arm Emurgo and is building a launchpad platform that is hoping to help accelerate the adoption and accessibility of Cardano by helping projects building on Cardano come to market at greater speed.

To do this Astarter is operating a Lanuchpad, alongside a DEX, a Technical Support Platform, and a Money Market. There is little technical detail about these products available at this time.

## Launchpad

The Astarter Launchpad allows projects to raise capital through whitelisted investors and IDOs, and to jumpstart their visibility in the Cardano ecosystem. The Astarter launchpad offers KYC integration for investors, tiered offerings for those investors, governance voting, and the ability for a project to choose a permissionless IDO; allowing potential investors to forego KYC requirement.

## ADEX

ADEX is Astarter's decentralized exchange on which IDOs will be hosted. Besides that it is a standard, on-chain decentralized exchange that provides trading volume for its participants.

## Technical Support Platform

It can be assumed that this is the accelerator offered to support project that are successful through the Astarter launchpad; although it isn't actually stated as so. The technical support platform is a “unified general data protocol” to provide consistency with the way off-chain data is being fed on-chain. Designed to offer resources to help projects facilitate a better user experience on Cardano including: the implementation of cross chain bridges, yield farming and smart contracts that can be generated at the touch of a button.

---
## Money Market

Astarter's money market is a decentralized marketplace for borrowing and lending, Digital assets will be accepted as collateral or loans and a collateral-to-loan ratio needs to be kept by the borrower in order to avoid liquidation. The market is backed by on-chain assets and anchored 1:1 with USD.

A launchpad and accelerator for projects building on Cardano, also featuring a DEX, a decentralized lending and borrowing, and a technical support platform.

Astarter

NAWOT is creating an autonomous ecosystem where members, called NAWOT’S, can collect and play games in the NAWOT metaverse. There are 10,000 NAWOT NFTs that will exist and one of these is needed to participate in the first game: NAWOT DISCOVERY SERIES.

## Games

NAWOT tokens are required to play games. The first will be the NAWOT DISCOVERY SERIES. Each community member that holds a NAWOT NFT can participate and will have a chance to will 10% of the overall supply of NAWOT tokens. 4 clues will be given over 4 weeks and the answers will need to be entered into the password page on the website to “win the $NAWOT BANK”.

Two other games, NAWOT NFT Slots and NAWOT Poker are in production. NAWOT tokens are needed to play both, and winners in the slots can win NAWOT NFTs.

>Their roadmap mentions a NAWOT Swap for  November of 2021 however there is no mention of a swap in the whitepaper whatsoever.

NFTs with a gamification element and rewards in NAWOT tokens for winners. NFT holders can play a "Win the Bank" game, and slots and poker are under development


NAWOT

DcSpark was started by folks that worked at [Emurgo](https://builtoncardano.com/emurgo), specifically people who led the development of [Yoroi](https://builtoncardano.com/yoroi-wallet) wallet and the lead developer of the Cardano-serialization-library. They are currently focusing the products they’re building on what they call the “most promising crypto projects in the space”: Solana, Urbit, and Cardano.

DcSpark develop their own libraries and components for producing products and open source these libraries to the community. DcSpark currently has two products in the pipeline both focused on making Cardano interoperable with other chains; starting with Ethereum. These products are Flint wallet and the Milkomeda sidechain.

Crypto ecosystem builders aiming to boost adoption and chain interoperability by building critical products that move the ecosystem to the next level.

dcSpark

A browser extension wallet designed to work seamlessly with Cardano dApps. Flint wallet is going to incorporate the Milkomeda bridge, enabling it to interact with solidity style dApps on Ethereum, as well as -eventually- the Solana, and Urbit blockchains.

Flint is currently in the experimental stage, but is running on the Cardano mainnet.

Flint Wallet

A wrapped-smart-contract sidechain protocol that will open the door for interoperability between layer 1 blockchains by, initially, connecting the Cardano and Ethereum blockchains. Milkomeda is being designed to connect all blockchains that don’t currently support the EVM to the EVM. This will allow the use of smart contracts written in solidity -and, thus, dApps deployed using solidity smart contracts- by users on the Cardano blockchain.


The Milkomeda sidechain, called M1, will use ADA, specifically wADA (wrapped ADA), as its native currency, and will select its initial validators from trusted stake pool operators on the Cardano blockchain as well as other trusted entities within the ecosystem. These validators will initially number 32, with DAO voting deciding to increase or decrease that number over time. Validators will produce sidechain blocks and run the sidechain bridge that facilitates the moving of assets and the use of wrapped smart contracts.

User will submits their transaction on the Cardano main chain and the sidechain bridge layer will take over and execute everything on the sidechain, i.e. on the dapp the transaction was destined for, and then deposit any results into the originating wallet on the Cardano mainnet. This is done seamlessly and the user didn’t even know any of the above took place; as far as they’re concerned they interacted directly with the dApp on the mainnet.

Whilst the first sidechain, M1, to be powered by the Milkomeda protocol will be deployed for Cardano, dcSpark are building a generalized sidechain protocol that is owned by its users and can deploy new side chains that target other smart contract languages.



M1 and other sidechains will be governed by the Milkomeda DAO, which exists on the Cardano mainnet, and where Cardano users will be given total control, deciding: the parameters of the sidechain, the supporting validator nodes, the addition of new sidechains, which pool the ADA wrapped in the sidechain is delegated to, what other tokens can be registered for use on the sidechain, and much more!

Each wrapped contract on the M1 sidechain must be added to the wrapped interface registry. Adding a smart contract to this registry requires proposing it to the DAO, it successful passing a vote, being audited, and then being review by developers to ensure that it is properly deployed.

Milkomeda

Hovering over completed epochs provides the user with the reward details and stats for each of the tool’s creator’s 3 pools, along with summary that combines the data from the 3 pools, during that epoch.

A calendar where the day that is the beginning of each epoch, with its time in UTC, is marked. Also detailing which epoch's rewards are distributed that day.

Cardano Epoch Calendar

## Mathematically designed and derived art living on the blockchain.

These 31,119 mathematically beautiful NFTs are just 0.06% of the 50m possible image outcomes resulting the parameters set by the artist. These NFTs are different from any NFTs produced before as they actually exist on the blockchain; their position there isn’t metadata linking you out to your NFT as an image file, 

> it is data which allows you to extrapolate the image directly from the Cardano blockchain. These NFTs are preserved entirely on the blockchain.

Generated using advanced programing algorithms in Python, these images can be generated in any desired resolution, ensuring that they keep up with any advances in imaging technology i.e 4K, 8K,16K etc. Making them, in a way, future proof. So long as the Cardano blockchain is operating you have access to your resolution scaling NFT.

### Endless Possibilities

Whilst 50m combinations were possible from the algorithms used to produce these NFTs only just over 31k had suitably aesthetically pleasing combinations of geometrics and color juxtaposition qualifying them for commission in this collection. Squeezing the parameters further would have dulled the variables, allowing for less complex patterns, and producing fewer complexly unique NFTs.

Despite this small percentage of the whole, many of these NFTs connect together in a fluid nature and combining multiple of these NFTs can make up a much larger, more beautiful whole. But, because they’re minted randomly upon purchase there’s no saying that you’ll receive two side-by-side NFTs that can be elegantly paired together.

Algorithmic art. Mathematically designing and generating art extractable from the blockchain, not metadata linked out to a location where the NFT is stored.

unsigned_algorithms (unsigs)

Ranking Cardano NFT projects by sales volume, floor price, and quantity of NFTs sold; all metrics are available over various time periods.

OpenCNFT

The decentralized world operates with little to no regulatory oversight and whilst such a world might be idyllic on paper it comes with its own issues. Financial regulators exist to stop scammers preying on the weak and vulnerable in the financial world, in the same way security guards are placed in shops to deter shoplifters; but both never stop all of them.

The technological capabilities of blockchain have created barriers to prevent some scams but, just as good people always find ways to improve the world around them, malicious actors will always find ways to take advantage.

> If it’s too good to be true… then it (unfortunately) probably isn’t true.

Scammers often target newer member of the crypto community as they’re less likely to smell a scam when they see one. This is why people and platforms are *constantly* reminding everyone of various security measures to try and help prevent them from falling victim to scammers. Examples of this advice include:

- Never enter your mnemonic unless you’re recovering a lost wallet
- Never give out your private keys

---

> DYOR - *D*o *Y*our *O*wn *R*esearch. Is a cornerstone of operating in the crypto space. You can follow someone you trust but, at the end of the day, if they’re wrong the burden isn’t on them; it’s on you.

We have created this listing to show you what scams are like. They’re here. *Right here*. Right amongst all the other projects swimming about in the big sea of crypto. They often look very similar to legitimate projects and services. They usually act like legitimate projects and services. They very often sound and talk like legitimate projects and services. We have also created this listing to help you inform yourself of what a scam is.

## What is A Scam?

There are two main types of scams:

- *Type A:* Those trying to gain access to your accounts and take your funds
- *Type B:* Those trying to defraud you by making you voluntarily send them your funds

*Type A* scams will often pretend to be a legitimate entity, such as a wallet provider, a DEX, a hardware wallet company, or anyone other platform you many hold your funds on. These can be thought of as smash-and-grab scams.

They will often pretend to be a member of a customer services team, or maybe of someone higher up the chain of command to give themselves authority. They will tell you that they are "looking out for you"; oh how nice of them! They might ask you for your mnemonic phrase, your password, or try to get to send your funds out of your account to “secure them”.

Just like with anything else your pin code, your safe code, or even you house key, don't hand these details over to someone you don't trust, let alone someone you don't even know. *NEVER* give anything to do with your funds away to anyone, the companies who's services you use will *NEVER* contact you in this manner.


*Type B* scams will act like a legitimate project that is chasing your investment. Often type B scams are noticed through unreasonable high return promises, a lot of fake followers on social media accounts, or a lack of information or clarity on how their project will actually function.

>Verify, verify, VERFIY.  Always perform your own review of a project, don’t just jump into it because you heard someone say it’s good; even if that someone is a trusted loved one or your best friend; they could’ve been tricked too, no matter how smart they appear to be.

## So What Makes a Scam Standout? Red Flags

Here we're focusing on *Type B* scams, these guys are here to play the long game with you.

Scams are identified by what people call *red flags*. Some legitimate projects can flick up one or two red flags, although this isn’t too common. Often, scams will tick many of the boxes below (these are not listed in any particular order and all bear similar weight). 

- *Anonymous Team or Leadership*: Some will chose to stay anonymous for legitimate reasons of concern but more often than not anonymity in who is running or developing the project is a cause for concern.

- *No Team*: Simply, if there’s no one running or developing a project then where is it going? A ship can’t run without a crew.

- *Fake Team or Leadership*: If the leadership or those apparently developing the project are fake then this project is definitely a scam! These “people” could have fake or dead-end social media links attached to them to try and prove their legitimacy in the hope that you won't click them. There are also website out there to help you check if people are real or not.

- *Poor Content*: If a website or whitepaper is littered with grammatical and technical errors it could be a scam; those who care about their project succeeding would fix these things before putting them out there into the world.

- *Missuse of Terminology*: If a project is throwing big technical terms or industry buzz words into every sentence then it’s likely a scam. Are these terms and words necessary? If they’re not then *BING* that’s a red flag.

- *Poor Website*: In today’s world a website is a face of a company and if a website is not up to scratch then you should be cautious. If you were presenting yourself or your company online, would you not want to make sure your website was impeccable?

- *No Website:* You’re starting a digital platform or using this blockchain technology, which exists entirely on the internet, without creating a website? Smells kinda funny…

- *No Whitepaper:* Not having a whitepaper is a giant red flag. Whitepapers tell you what a project is planning on doing, how it plans of getting there and who is crewing that particular ship. Scams can a have whitepaper too, so if a project has a whitepaper it doesn’t mean it’s not a scam they're just trying harder than this guy.

- *Hype*: Turn on the hype machine!! Nothing gets people buying into something like a frenzy, an [influencer](https://www.bbc.com/news/technology-58462517), or a [celebrity](https://www.fool.com/the-ascent/buying-stocks/articles/5-times-elon-musk-has-sent-dogecoin-prices-soaring/). If a project is talking a lot but not actually saying anything constructive or backing it up with actions, or if they’re using a celebrity to promote their brand that has no product, then be *VERY* cautious. 

- *Fake Social Media Following*: If lots of people are following a project then it must be legit, right? WRONG! Social media followers can be bought by the thousands nowadays for not too much money at all. If a project has a big social media -twitter being the big one in the crypto space- following AND kicks up some other red flags then there’s a big chance that it could be a scam. There are website out there to help you check the legitimacy of social media profiles.

- *Promises of HUGE Returns*: Everyone has seen what has happened to Bitcoin’s price in the past 5 year and many people are entering the crypto-verse looking for “the next Bitcoin”. Trying to find the “next Bitcoin” is like digging for Nazi gold in the Sahara desert with a teaspoon; you probably won’t find it. If a project or an individual is promising you 10x, or 100x, or 1000x your input then give them a nod and bid them good day. Trust us. You didn’t miss out on anything and probably saved yourself something in the meantime.

- *Fake Address:* No one smart starts a scam and puts their real address on it. Often the address associated with a scam is copied from elsewhere and linked to the wrong company or in the middle of an office complex or industrial estate with no verification that it is the company it says it is.

---

> Remember if it looks like scam, walks like a scam, sounds like a scam then -QUACK!!- it probably is a scam and much more in-depth research is required before you can confirm otherwise; in the meantime *stay clear* and warn others! Let them do their own research and see if they come to the same conclusions.

---

We’ve listed known or potential scams in this project. They appear as individual items and in each we’ve said which flags they raised in order for us to put them there. If you are one of the owners of these projects and think you’ve been miss-listed here then please reach out to us. We would love to chat and correct this!

---


## What to Do if You Think Have Been Scammed

When you realize that you’ve been scammed it comes with a terrible, sinking feeling; only the really lucky ones haven’t been there and many of those who say they haven’t probably have. So what are your next steps?

1. Block the Scammers - Get them out of your life. There’s nothing you can to convince them to “do the right thing” they know what they’re doing and the effect it has on people; they don’t care, and yes they do suck because of it.

2. Know That *This Too Shall Pass* - Like with most things, this isn’t the end of the world. If you’re feeling particularly hard hit by it please reach out to a friend or family member who understands; even if that friend is on the internet. Having someone hear you is much, much better than constantly berating yourself in your own echo chamber.

3. Report the Scam - Tell your friends, tell eveyone! Publicize these disgusting people's actions. Yes this involves own up to being fooled but it's best for everyone if we all look out for each other (sometime you don't even need to say that you got caught if you don't want to). To go along with this here’re multiple website out there that list scams to keep people aware. [This website is specific for Cardano based scams](https://cfdb.atlassian.net/servicedesk/customer/portal/1) and [this document contains links to the offical agencies to contact in multiple countries across the world](https://drive.google.com/file/d/1lKiMcxK1kCJempNP0tsQ_Mx6Sc0lxuTz/view).

4. Don’t Look for Recovery - This is why we blocked the scammer. Those looking to help you recover your funds are often looking to profiteer from your misfortune. They can’t always be trusted, and such recovery is close to impossible in the real world.

5. Finally: Learn From the Experience - If life teaches us anything it’s that we learn on every step of the journey. This is just another step along the road, and now you’ve experienced it you will definitely be cautious next time!

Right here, amongst the real projects, lies this scam. It looks just like the others; it might be one of the others. How do you know this isn’t a real project?

Scam

Red Flags:

- Anonymous Team
- Poor Content
- Misuse of Terminology
- Poor Website
- Hype

GREED Token

Red Flags:

- Poor content
- Promise of HUGE returns
- Poor website (the name is entirely unrelated to the content)

Here you can triple your amount of ADA by just sending it to their address and they'll simply send you back triple the amount. Simple! Sounds fishy doesn't it?
They've also used the face of the CEO of IOHK, the company that created Cardano, to try to legitimize their "giveaway".
The transactions listed on the site are also bogus.

Cardano Giveaway

Red Flags:
- Poor content
- Poor team
- Fake social media following

Ardadex

These are *VERY POPULAR SCAMS.*

Some wallets have been designed as smart phone apps by their developers and have been placed on the applicable app store(s). Some of these may also be available for desktop as computer programs or as browser extensions. Other wallets have only been designed for desktop use, be that as computer programs or browser extensions.

Scammers have long been mimicking wallets that are only available as desktop or browser extensions, creating fake versions of them and uploading them as products to various app stores. The most popular wallet to fake is Daedalus, the official, full node, Cardano wallet from IOHK.

*DAEDALUS IS ONLY AVAILABLE AS A DESKTOP PROGRAM AND NOT AS AN APP OR BROWSER EXTENSION.*

If you download a fake wallet and enter the mnemonic phrase for an old wallet or create a new wallet and send ADA to it, the chances are that your wallet will immediately be drained by the malicious creator of the “app”. Resulting in the loss of all your ADA. This is why they’re popular, because as soon as you download them the scammer is pretty much guaranteed a return.

The most secure way to download a Cardano wallet as an app for a smart phone is to go to the wallet’s official website on your device and check to see if they have made a version that is compatible with your device. From their website follow the link to the applicable app store for your device and you can be sure that you’re downloading the official version.

App Store Wallets

Potential Scams

## AdaCards NFT & Fantasy Staking Game
Designed specifically for the Cardano blockchain, each one-of-a-kind trading card commemorates a Cardano block and showcases the stake pool that minted it. The AdaCards project was created to provide a fun way to learn about staking on Cardano and to spotlight community-operated stake pools.

Our Fantasy Staking NFT game lets AdaCard collectors draft a team of stake pools and earn points based on each pool's performance during a Cardano epoch. Learn more about the game [here](https://medium.com/adafolio/how-to-play-the-adacards-fantasy-staking-nft-game-7dd2b1fa4b94).

Designed specifically for the Cardano blockchain, these trading cards showcase community-run stake pools and can be used in the Fantasy Staking NFT game.

AdaCards

P2P Finance aims to bring more direct, peer-to-peer, i.e P2P, finance options to the defi world. [Yoroi](https://builtoncardano.com/yoroi-wallet), [Daedalus](https://builtoncardano.com/daedalus-wallet), and [Gero](https://builtoncardano.com/gero-wallet) wallets will be integrated into the platform and can thus be connected to display the user's balances inside of the platform.

The decentralized oracle provider [Charli3](https://builtoncardano.com/charli-3) is going to be used for pricing oracles, where data is available, and partner audits will be conducted of each pairing’s smart contract before the smart contract is released for public testing.

Token wrapping will be enabled on the platform and tokens are matched 1:1 over a smart contract Token Bridge. This process is overseen by an oracle so that the wrapped assets and representative token maintain their stated 1:1 ratio. There is a *0.1% platform fee* associated with unwrapping assets.

---

## P2Pswap

P2Pswap runs on an AMM algorithm and anyone can create a token pairing provided they lock up a minimum amount of liquidity for 12 months. Fees for using P2Pswap are as follows:

- 0.3% fee for swapping tokens
- 0.05% fee for swapping stable coins or main pairs

Fees are split between liquidity providers, LPs, proportional to their liquidity contribution and fees are deposited as liquidity reserves back into the pool from which they originated. This increase the value of liquidity tokens held by the LPs and they then collect their fees by burning LP tokens to receive the associated quantity of asset.

#### Staking

Users can stake their P2P Tokens to the platform for however long they want and can withdraw their staked amount, or claim their staking rewards, “without any delay”. For staking there is a progressive rewards model, meaning that the longer a user stakes their tokens the higher the APR they receive.

- 1-90 days = 20% APR
- 91-180 days = 24%APR
- 181+ days = 30%APR

Staking rewards are allocated every second and distributed quarterly. Stakers are charged a 1.25% deposit fee* and a 0.75% withdrawal fee. There are 0% fees for claiming rewards or compounding those rewards into the current stake.

#### “Farming Pools”

To incentivize LPs P2P Finance has set up farming pool. also called “staking Liquidity Points”. Users deposit liquidity points into the farming smart contract and get rewards, from a fixed rewards pool, proportional to their contribution to the pool whilst still receiving a share of swap fees. Projects that perform fundraising on the Cardanow IDO Launchpad are required to set up a farming pool to incentivize their community to stake liquidity to the platform. Farming comes with a 0% deposit fee and a 1% withdrawal fee.

---

## Peer-to-Peer Lending

*Lenders:* A lender sets up each loan choosing: which asset to offer, how much of that asset to offer, how long to offer it for, and at what daily interest rate (up to 2%). These loans are then made available to borrowers in a marketplace style setting, to choose the loan that fits them.

*Borrowers:* Loans on P2P Finance require crypto collateral from the borrower, but no collateral minimums are stated in the whitepaper. These are short term loans, with borrow periods of 7, 14, and 28 days. Borrowers can pay back the loan before the end period if they wish, and will pay less interest for doing so i.e. not pay interest past the day they closed the loan.

There are 15% fees for lenders on the platform; taken from their realized profits on the loans paid back to them. 5% of of this goes into an insurance fund to protect lenders against liquidation. If a loan is liquidated then the insurance fund is used to provide any additional funds so that the lender can be sure to receive their initial assets and the interest amount they would have received up to the point of liquidation. The other 10% of fees is distributed to platform development (5%), the affiliate network (3%), and the DAO program (2%).

Lenders can opt to receive their loan interest in P2P tokens. Doing so guarantees them reimbursement of accrued interest upon liquidation events, and those that take this option get an additional 1% bonus, paid by the platform, on top of their profits from the loan.

---

## Margin Trading

Margin Trading is only available for assets that support a decentralized price feed (from the Charli3 oracle) because liquidations are triggered by this price feed. Margin traders are required to hold 105% of their position as collateral and if this is not kept up then their position will be liquidated. Margin trading requests are filled by lenders on P2P Finance, and traders can manually select their margin loan if they wish.

Margin tradings fees are 0.4%. Of this 0.3% is provided to liquidity providers on P2Pswap and 0.1% is given to the platform to support the ”Margin technology”.

---

## IDO Launchpad - “Cardanow”

A launchpad enabling projects to raise funds by holding an Initial Decentralized Exchange Offering, an IDO, on P2Pswap. Funds raised through an IDO are drip fed to the  the project to prevent rug-pulls and exit scams.

Projects wishing to complete an IDO must first go through a review process. After successfully making it through the review process the project is then voted on by P2P Token Ambassadors (the highest level of DAO membership). These Ambassadors are voting on whether or not to accept that project onto the Cardanow launchpad. Only 1 project can perform fundraising at a time, and voting takes place once a month; so only 1 IDO can be hosted each each month.

Users are made eligible to participate in these IDOs through two avenues:

- Being a member of the whitelisted investment pool organized by the listing project
- By holding 3000 or more P2P token.

Funding raised through the launchpad is split 3 ways:

- 70% To the project for development.
- 20% Locked for 12 months as liquidity on P2Pswap.
- 10% Platform fee taken by P2P finance; 7.5% for the platform and 2.5% for the DAO program.

---

## DAO

P2P aims to evoke a DAO in the management on the platform. There will be 3 levels for DAO members, and membership is defined by P2P token staking quantities.

- Counselor: 25,000 P2P tokens
- Minister: 50,000 P2P tokens
- Ambassador 100,000 P2P tokens

When users reach the required staking amount they must manually activate their DAO level. Doing this will lock their tokens for a pre-specified length of time, with the length of time relating to their DAO level; lower levels having longer lockup periods.

Increasing their level provides a DAO member with increased voting privileges as well as a higher % of fees earned from various aspects of the platform. Rewards for DAO members are distributed every quarter.

---

## Affiliate Networks and Address Milestones

Users can create a smart contract by locking up 500 P2P tokens for a minimum of 12 months. That smart contract will then generate a referral link. There are 3 levels of affiliate network meaning that if your affiliate has and affiliate who has an affiliate, you will receive percentage rewards for the activities of each of these persons; decreasing in value the further they get from you.

Address milestones are a rewards based system that puts users of the platform into  1 of 5 categories, depending on their lifetime activity. These categories are named after precious materials and range from Bronze to Diamond. On each level the user obtains rewards in P2P tokens for hitting milestones in four different categories, from trading volume to referrals; and the rewards are higher as the levels go up.

---

> Users can report token duplicates on the platform and get rewarded in P2P tokens for their efforts. Projects can set up farming pools on P2P finance to incentivize LPs.

A suite of Defi including: an AMM based swap, a Launchpad, and peer-to-peer lending. P2P offers margin trading and affiliate and address milestone bonuses.

P2P Finance

Pixel art NFTs of influential figures from blockchain and crypto. A game is under development where the NFTs are playable characters, each having special powers

CRYPTO HEROEZ

12 seasons of Cypherkicks are planned and the total number of NFTs is promised not to exceed 5000. However, the quantity of NFTs in each drop will vary based on demand and community feedback.

>Each Season will contain sneaker models that are only available in that season.

Future seasons of Cyphekicks will feature collaborations with popular NFTs artists and collections on Cardano; such as [DEADPXL](https://builtoncardano.com/deadpxlz).


Digital sneakers in NFT form. There will be 5000 Cypherkicks in total, dropped in 12 ’seasons’, and no two Cypherkicks are the same.

Cypherkicks

Cornucopias Games Studio is developing a  Massive Multiplayer Online Role-Playing Game, MMORPG, blockchain game called ‘The Island’. ‘The Island’ is a metaverse in which players can:

- *Play-to-Earn*: Players can play to earn cryptocurrencies.
- *Learn-to-Earn*: The game’s creators have partnered with education centers to bring gamified learning to the metaverse, where “students” will complete educational mini-games to earn rewards.
- *Build-to-Earn*: Players can build (code) in-game items and the blueprints for those items and sell them to other players.

The player will explore the metaverse through a 3rd person viewpoint and ‘The Island’ metaverse will be available across multiple platforms:  PC, web browser, games consoles, mobile phones, and smart TVs. Players will own their assets as NFTs, and these will be tradable both inside and outside the game, with some even being rentable to other players.

Initially the game is being developed in a cloud service before eventually being moved to a distributed node network. These nodes will be voluntarily hosted and hosts will be incentivized by daily hosting rewards.

---

## Game Layout

‘The Island’ is made up of multiple themed zones. At the center of ‘The Island’ is a pre-built city where players can own and rent both residential and commercial property and interact with other players in “real life equivalent” buildings e.g. shops, museums, showrooms, education centers.

Outside of this city are themed commercial zones like the Wild West zone, Farm Life zone, and the Age of Samurai zone. These zones offer themed mini-games that, once played, will reward the player with cryptocurrency and other in-game rewards. 

Outside of these themed commercial zones are themed residential zones. Players can purchase land here and do what they want with it: build their own custom property, grow a garden, grow crops, rent out their property to other players, and more!

As the game evolves and user-ship rises the game map will grow and new cities, commercial zones, and residential zones will become available. However there will be a finite number of land plots and zones that can ever be owned.

---

## Characters

### *Customizable*

Every player starts with a human character who’s features they can customize as much as they like, changing them every day if they want to. They start with an outfit but players can buy or earn NFT based outfits with which to dress their players.

By linking their wallet player will be able to use, or have represented, other Cardano NFTs in the metaverse; if they’re compatible with the metaverse. What’s more, in the future, it is possible that NFT characters -if they’re compatible with the metaverse- will be able to be imported from other games to be used in the Cornucopias metaverse; with no additional purchase cost to the player.

### *Energy*

Characters will require energy to perform tasks, such as playing mini-games. Once their energy is depleted they will not be able to play any more mini-games until the player either recoups their energy naturally, uses an ‘Energy Boost’, consumers something, i.e. food, to replenish their energy, or receives a reward within the game that refreshes all or a part of their energy.

### *XP Points*

For completing tasks, mini-games and attaining milestones player will be rewarded with XP (experience points). for every 1 million points earned a player will receive a new badge for their character and for every 10 million points earned the player will receive a new outfit for their character.

### *Non-Player Characters*

There will be non-player characters in the game, some will be interactive offering challenges, in-game education and the like, whilst other non-player characters will just be present so players aren’t wandering around in a seemingly empty metaverse.

### *Mounts*

A  mount is a rideable creature that can be used to traverse the meta-verse much faster than on foot. Some will be able to run, some can fly, some can swim; some might even even a mixture of these traits? Each player can earned 1 mount freely through the completion of an in-game task or challenge. 

---

## Multiplayer Functionality

The game can be played either solo or together, and players will be able to perform tasks and challenges either together or against each other. Multiplayer elements will evolve further as the game is developed.

## In-game NFT Economy

Most everything from land to characters, to furniture, outfits and event tickets will be represented by NFTs. These can be bought and sold freely between players. These can be traded in-game or through 3rd party blockchain-based NFT marketplaces. NFTs don’t always have to be bought and some can also be earned by completing mini-games.

---

## Crafting Materials

Players can craft items in the game using crafting materials that they find, loot, purchase, salvage, or craft from other materials. When these materials are used to craft an item they are burnt from the players wallet, and are not useable in the game again.

In-game blueprint show players what an item looks like and what crafting materials they need to craft said item. Players can design and create their own items and mint an “Island Blueprint" that other players can then buy to use to craft a new NFT. These can range from simple items like axes and bicycles, to apartment blocks, neighborhoods or even cities.

---

## Utility Token

COPI will be the in-game utility token that will also be transferable outside of the game. This token is not required to play the game and acts as a medium of exchange within the game. There are no rewards or incentives for holding these coins and players will occasionally be rewarded with coins for completing tasks, mini-games, and achieving in-game milestones. 

Coins can be staked. Not for governance or network security but to play-to-earn or to access exclusive areas of the game. Higher staking amounts provide access to more levels and more character levels; where players can explore and obtain specific items for in-game consumption or trading with other players. Stakers will receive rewards in the form of both COPI coins and NFTs.

---
## Governance

Holders of NFT land, NFT property, and Cornucopias token coins will be able to vote on governance factors in the game. Decisions will be made by a majority vote. Voting will take place within the Town Hall located in one or many of the zones and cities. ‘The Island’ council will evolve into a decentralized government, which will have a voice on every part of the game, from fees to new development.


A play-to-earn, learn-to-earn, and build-to-earn MMORPG located in the ever expanding metaverse of 'The Island', featuring: themed zones, mini games, and NFTs.

Cornucopias

Explore NFT collections by rarity, price, and serial #. Users can also refine their search using traits unique to a collection and find their perfect NFT.

CNFT.TOOLS

Ada-Monsterz descend in waves. The first wave has already landed and each one quickly found an ADA wallets to call home. The next wave with be along soon!

The project creators are collaborating with other cardano NFT projects and artists to create unique and rare Ada-Monsterz. The first collaboration is the “Berry” collection in collaboration with Mrs. Scarlett and it features both epic and ultra-rare Ada-Monsterz.

On the website a roadmap for the future indicates the launch of:
- Merchandise
- More collaborations
- Giveaways
- Rewards for holders
- Airdrops
- More waves of ADA-Monsterz

An NFT project from "out of this world". ADA-Monsterz have arrived in this universe and each one needs an ADA wallet to call home.


Ada-Monsterz

Ledgity aims to revolutionize the financial world by opening up access to digital and digitized assets for both investors and independent financial advisors, IFAs. The platform will also breakdown investment barriers and give people access to investment avenues that are usually reserved for professional investors.

Users will be able to onboard and access these financial instruments through a mobile app, allowing them and their IFAs to communicate in a much more effective manner.

---

## Users

Users will need to compete KYC when onboarding and their KYC information will be hashed on-chain, meaning that it will be accessible in a secure manner and verifiable by other parties, this means that users only need to complete KYC once.

The Ledgity platform will simplify complex investment opportunities like venture capital and real estate for users, allowing them access to investing tools usually reserved for professional, high level investors. 

## IFAs

Ledgity aims to create a network of IFAs who can use their platform to interface with clients as well as asset managers. Providing these links on a single platform allows IFAs to get the best assets price possible for their clients.

The Ledgity platform will also allow IFAs to provide their clients will access to digital assets, i.e. cryptocurrencies, and to hold them as a regular part of their portfolio.

---

## Tokenization

Ledgity will allow users to tokenize real world assets, such as art and other low liquidity investments, and bring them on-chain to make them liquid and facilitate their exchange in a P2P manner.

Users can use this to list and trade assets that are usually not listed in portfolios, such as shares in investment funds, private debt, and private equity. In order to facilitate the stable price of assets Ledgity will employee two stablecoins: a Euro stablecoin and a US Dollar stablecoin, purportedly those from IOHK.

What’s more, Ledgity plans to offer synthetic assets, mirroring the price real world assets. All of the aforementioned tokenized assets will be tradable on Ledgity’s DEX, managed in an automated market maker, AMM fashion.

---
## A Bank Card

Ledgity makes many hints to providing users with a “metal bank card” and a ""digital banking services" and says that it is easy for users to sign up for it in a few minutes. It is unclear if this card will be attached to account with FIAT cash funds or if it will be attached to their investments on the platform.

A digital wealth management ecosystem connecting IFAs with clients and asset managers. Bringing asset tokenization and investment opportunities to the masses.

Ledgity

Register your pet on the Cardano blockchain and give it a simple QR code tag to hang with it’s other tags.

Those who find a lost pet simply scan the QR code and are then directed to the Pet Registry website where they'll see the pet owner’s most up-to-date contact and address information. Each scan also initiates a geo-location ping that alerts the pet’s owner of the location of the scan.

---

Contact information is easily updatable through the Pet Registry website, and those that scan the QR code only receive the most up-to-date information. Owners simply update their information through the website and can do so even after their pet has gone missing because the information will always be tied to the same QR code.

> It costs $0.20USD, plus transaction fees, to update a pet's information. This can be done an unlimited number of times and the $0.20 pays for 40 geo-location requests.

---

Registry data is encrypted and only accessible to those who scan the QR code and the owner who is updating the information on the website.

A blockchain alternative to microchipping pets, that is cheaper and much easy to update, with geo-location pings sent to owners when a pet's QR code is scanned.

Pet Registry

This toolkit exposes the functions of IOHK's official cardano-wallet into coldfusion so the developer can talk to the cardano-wallet simply by making some function calls within coldfusion, even if the cardano-wallet is hosted on another machine.

A toolkit for coldfusion developers enabling them to natively perform wallet functions within coldfusion for IOHK's official cardano-wallet.

cf_cardanowallet

Smart Contract Audit Token Decentralized Autonomous Organization (SCAT DAO) is a new audit paradigm that reinvents the way audits are selected, performed, and financed.

>With SCAT DAO we solve audits inherent problem: the conflict of interest that comes from paying for an audit service.

As we have seen with Enron, Tyco, and countless others, the possibility always
exists for an auditor to commit fraud to keep their client happy. With SCAT DAO, the token
holders choose the projects they care for and want audited. The audit process is standardized and
performed by the community with all services funded by the DAO’s treasury.

SCAT DAO auditors are incentivized only to provide accurate audit results, regardless if the results are
positive or negative. No more altering or softening results to appease clients. We are the client, we are the auditor, we are SCAT DAO.

A DAO that performs smart contract audits completely decentralized and free from any conflicts of interest. Funded by Project Catalyst. 

Smart Contract Audit Token

The problem that SingularityNET is trying to solve is that the vast majority of AI is currently owned by large companies who use it for their own personal development and gains, and selectively rent it out for their own financial gains. SingularityNET aims to, ultimately, generate coordinated artificial general intelligence i.e. multiple AI agents that work together to form a meta-AI whole that is greater than the sum of its parts.

This will be done through a decentralized registry (smart contract) of AI services where anyone can create an agent, an AI program run as a node, and connect it to the SingularityNET marketplace to monetize their code. These AI agents can be run on in the cloud, on phones, robots, home computer, and embedded devices, and are connected to, and provide services to, users via smart contracts. Reputation will be key in the security of the network and “proof-of-reputation” will be used to form consensus between nodes and users in the network.

---

## The Platform

The SingularityNET platform will be blockchain agnostic completing as many transactions as possible off-chain through the utilization of smart contract escrows. It is also being designed to be open and compliant with regulatory and legal requirements.

It is worth noting that many of the AI services provided by the SingularityNET platform will require powerful computing resources, but the network itself will not and will able to be embedded in all manner of low power devices. For example: this will allow for the deployment of the software in robots, allowing them to acquire cognitive services from cloud based AI, with the robot itself paying for obtaining the services.

There’re two participants in the SingularityNET platform and these are users and developers.

####  Users: A Marketplace DApp

For users wishing to search for and purchase AI services there is the marketplace DApp that allows them to search and filter pre-approved AI services.

Through the DApp users can find and setup payment for the services they want to use. Payments are done through escrow contracts, meaning that users must deposit funds into a timed escrow into order to use the service. This contract can be topped up, have its closing time extended, or closed by the user at any point they wish. Payments on the platform are done through atomic, unidirectional payment channels meaning that users need not wait for blockchain confirmation to process payments and can receive services at a much faster rate.

For application developers who want to use the network’s intelligence in the their applications the SingularityNET SDK will compile client side code for interacting with the platform and services, and support payments and interactions with the blockchain.

This DApp also allows users to rate the services they receive and these rating affect the developer's viability on the platform and their voting rights should their rating fall too low.

#### For Developers 

A web-based dashboard and control panel will be made available to developers allowing them to mange their identities and the details of the AI Agents they have registered with the platform. Amongst other things it will also allow them to claim funds from customers, connect to different networks, and to monitor and log usage statistics of their services.

The SingularityNET daemon, a sidecar proxy, takes care of interactions with smart contracts for developers, greatly minimizing their onboarding hurdle and allowing them focus on the AI-related aspects of their services.

---

## SingularityNET Registry

The decentralized SingularityNET registry is stored on the Ethereum blockchain, however a centralized version is currently in use to avoid lag and the current high costs of querying the Ethereum blockchain. This registry is where developers register their AI agents and it is from this registry that the marketplace DApp pulls search results for users.

Here is where each AI's: organization, service, type of repository and tags; are stored. The AI agent’s metadata is stored offline in the IPFS. 

[Work is underway to port a copy of the SingularityNET application over to Cardano to make this project truly multi-chain.](https://blog.singularitynet.io/singularitynet-collaborates-with-iohk-to-explore-cardano-agi-synergies-8bd1570ffab2)


---

## Governance

Initially the SingularityNET network will be overseen by the SingularityNET Foundation. In the whitepaper the SingularityNET network is described as a “decentralized self-organizing cooperative”, similar to a DAO, and there is design and hope that this it become a true DAO further down the line.

During initial phases of network operation most major governance decisions are going to be made by token holders with the SingularityNET Foundation providing high-level stewardship and practical day-to-day management

#### SingularityNET Foundation 

The Foundation is responsible for building, supervising and accelerating the growth of the network and marketplace. It was formed by:

[OpenCog Foundation](https://opencog.org/): Builders of an open-source AI framework.
[Hanson Robitics](https://www.hansonrobotics.com/): Developers of life-like humanoid robots.
[Vulpem](https://vulpem.com/): Blockchain software engineering consultancy.
[Novamente LLC](https://www.novamente.net/): AI software consultants providing custom AI solutions.

These entities bring a vast amount of experience to the platform and with them they also bring AI agent developers and potential customers from all levels of the ecosystem. Despite this it is still recognized by the Foundation that the active participation of a grassroots community is needed for this project to succeed and for its governance to be properly democratized.


#### AGI Token

The AGI token is required to utilize the SingularityNET platform as it is the only acceptable form of payment on the platform. Token holders also receive voting rights with their tokens, but voting rights are not just determined by token ownership. Voting rights are also affected by the user's reputation and only those with a reputation above a predetermined base level will have their votes counted.

Major changes to the network will require more votes than minor changes and all changes voted for by users also require the approval of the SingularityNET Foundation.

---

## Benefit Tasks

A percentage of network tokens are to be designated “benefit tokens” Voters will receive a certain amount of “benefit votes” each month, and will nominate and vote on benefit tasks. Benefit tasks are those that hve all ready been deemed "benefit tasks" through votes by token holder. It is assumed that these are tasks where a successful output will be beneficial to some part of society; disease cure research is used as an example in the whitepaper.

Once a benefit task is approved by vote any agent capable of performing the task, so long as that agent is rated sufficiently high, will receive benefit tokens for doing so.

An AI network and marketplace, providing AI developers with the platform to monetize their creations whilst making AI services available to everyone. 

SingularityNET

A collection of 10,000 individually unique, static NFTs where each is  a bean -food not coffee- characters.

Cardano Beans

World Mobile brings a novel, shared economy approach to global telecommunications creating a sustainable and affordable distributed network that reaches un-connected people in rural areas of the globe. World Mobile already has a working proof-of-concept in a [smart village in Tanzania](https://www.youtube.com/watch?v=iYAOvIp4JwU)

World Mobile is using blockchain -specifically leveraging the technology of the Cardano blockchain and their own secure, decentralized identity and sensitive transaction data storing side chain, the World Mobile Chain- to facilitate this distributed network. The use of blockchain and smart contracts brings multiple benefits to the system including:

- Transparency 
- Privacy
- Immutability
- Faster settlement
- Efficient use of resources
- Security
- Affordability
- Enhanced data quality 

World Mobile will use [Atala PRISM](https://builtoncardano.com/atala) to provide users with secure, decentralized identity on the network. World Mobile's telecommunications network, featuring voice calling, SMS messaging, internet access, and more will function around transactions done with the World Mobile Token, WMT; a Cardano Native Token.

---

## The Crux of The Issue

The United Nations considers connectivity to be a key enabler in human rights, yet  almost 50% of the world is not connected. Legacy telecommunication companies are not incentivized to provide this connectivity due to the lack of profitability in the venture.

In our increasingly digital world a lack of connectivity doesn’t only mean not being able to make a phone call, send a text, or access emails, but an individuals lack of connectivity can also prevent them from accessing education, healthcare, and commerce. 

## The Solution

A blockchain network of various types of nodes, performing different network operations, integrates: decentralized identity, a shared tokenized economy, solar and battery powered units, a user friendly interface, and more; into one network to minimize the high operational costs of providing telecommunications services to rural communities. All whilst incentivizing each actor in the network to provide high levels of service and, at the same time, encourage network growth.

---

## The Network and Its Participants

The World Mobile network uses three different types of node to support the various functionalities of the network. These communicate through an API securely storing user data, transparently storing transaction data, and facilitating user transactions i.e. usage of the network’s communication services. The network participates are detailed briefly below.

### Users

Users are those that the network is built for, those that use it to communicate and access the internet. In order to use the network users must spend WMT tokens to pay for their interactions with the network's service.

The network allows for the peer-to-peer transfer of tokens, facilitating easy sharing of the network’s currency, WMT, and increasing the prospect of network expansion at a ground level. When a new user joins the network a new wallet is created for them, and the process does not expose them to the complexities of the underlying blockchain technology whilst utilizing the security features built into the technology.

Much like users do with existing mobile telecommunications networks the world over, users can purchase top-ups of WMT to use the service in their local currency, from local vendors through prepaid vouchers and etop-ups.

### Nodes

There are three types of nodes underpinning the network. These are:

- Earth Nodes, providing: Authentication, identity, blockchain, internode communication, and the telecommunications network.
- Air Nodes, providing: Coverage and internet access to the network’s end users.
- Aether Nodes, providing: The link to legacy telecommunications operators.

The history of node performance is publicly stored and accessible. Multiple metrics regarding a node's ability to facilitate the service it provides to the network contribute to its node *mean opinion score*. Nodes failing to meet the define threshold with this score will not be included in the random selection list used to transmit communications and transactions on the network; thus, not exposing them to rewards.

---

## Rewards: An Incentivized Sharing Economy

Through incentives paid in WMT tokens node operators are encouraged to facilitate network growth and the availability of good service; with the expansion of both bringing higher rewards. Earth Nodes can be staked to by users, allowing those without the technical knowhow to set up a node to support the network. All stakers and node operators receive rewards in the form of:

- Transaction fees (paid by users)
- Inflation Rewards (29% of WMT supply is to be distributed over 20 year to ensure risk/reward balance for operators)

*Staking and Earth Node Rewards*: Earth Node operators are required to stake a number of tokens, initial 100,000 WMT, to participate in the network. Earth Nodes can choose to provide different types of services to the network and each service comes with its own level of rewards. 

Much like nodes on the cardano network node operators make their fees public, thus allowing those staking WMT to chose which node to stake with, promoting competitive resource pricing in the network. The larger the delegated stake for a node the higher the chance of it being chosen to process transactions, thus increasing the potential for it to earn rewards. Rewards are distributed to stakers proportional to their stake amount.


*Air Node Rewards*: Air Nodes are run by members of the local community and are distributed in the local stable currency, according to local regulations in the country the node operates. The rewards they receive are directly proportional to the usage of the network through the node.

*Aether Node Rewards*: Aether Node rewards are based on the volume of traffic they provide. These rewards are distributed in the local stable currency according to local regulations. These nodes require a minimum amount of staking to operate, initial set at 1,000,000 WMT

Securely and efficiently bringing connectivity to the un-connected 50% of the world. In a distributed and decentralized manner through a shared economy model.

World Mobile

A tool for minting Cardano Native Tokens and NFTs with plans to build an NFT sales and auctions platform.

NFTDot.io

PIGY token was created by a sole actor and was as a was first floated as an idea on the [Cardano forum](https://forum.cardano.org/t/introducing-pigy-token/60116/90) in May 2021 as a memecoin and #dogecoinkiller. It was then given its purpose of being gifted to SPOs of smaller stake pools for them to offer PIGY to their long term delegators as an extra reward to incentivize them and others to stake with these smaller pools, thus increasing the decentralization of Cardano. PIGY token was then airdropped to all SPOs who requested it. 

The vision for PIGY token is that it is self perpetuating and gains popularity and, perhaps, value through usage. Any value it will obtain will be determined by the market and demand for PIGY tokens will be created therein.

> SPOs will purchase PIGY tokens from swaps and exchanges to then use these tokens to incentive their delegators. These delegators will then sell their PIGY on swaps and exchanges….

---

## Tokenomics

### 100,000,000,000 PIGY minted

- 20% for Founder
- 25% SPOs
- 5% Reserves
- 40% Development
- 10% PR

---

## Pig-Image Tokens

Pig-Image tokens are tokens that allow users to mint their own pigs, in the form of different colors of the PIGY token logo, by breeding two “parent” Pig-Image tokens and blending their characteristic. To do this one needs PIGY tokens to send to the “Pig Image Service" with their Pig-Image tokens. These are not NFTs.

---
## PIGY Oracle

PIGY Oracle posts the price of assets at 12:00UTC each day. These data points currently included: SOFR, ADA price in multiple currencies, BTC price in multiple currencies, ETH price in multiple currencies, and the prices in USD of various precious metals.

There is an aim to make this oracle decentralized by using stake pool operators that are using PIGY token.

A community-driven token for SPOs of small stake pools to reward longterm delegators with, in addition to staking rewards, to further incentivize delegation.


PIGY Token

PIGY Oracle

PIGY Genetics Game

Owners of Politikoz NFTs can trade them through a fully automated intermediate process on the Politikoz website, with a smart contract based trading mechanism now in the works.

---

The creators of Politikoz are creating an on-chain lottery game around the NFT collection where prizes are rewarded in ADA. ADA holders who contribute to the stake pool run by Politikoz will also receive NFTs that allow them to enter the lottery.

10,000 unique, pixel-art NFTs generated through a mix of art pieces and computer algorithms.


Politikoz

The NFTs in the Stellar Hood collection allow the owner to explore the celestial body that has been coded into the blockchain. Each NFT is accompanied by informative stats, like a trading card character might be, unique to that particular celestial body.

There are three rarity categories in this collection of NFTs that are based on their real life rarity in the measured range: 

- Common (81%): Non-habitable Exoplanets and ordinary stars
- Uncommon (16%): Objects in big star systems or nearby to rare objects
- Rare (3%): Habitable exoplanets and rare star types!

Gamification for this collection is under development by the creator. With the owner of each NFT receiving special perks such as: alpha access, one time naming rights of their star system, and a unique NFT avatar.

6505 interactive, on-chain NFTs based on real astronomical data, featuring the 99 closest celestial bodies to earth and all the known exoplanets in our galaxy.

StellarHood NFT

Owners must name their galgo so they respond to commands; notably, galgos can also be renamed.

Galgos are more than just NFTs and can be outfitted with keys, of three colors: gold, silver, and bronze; to unlock chests of corresponding colors. These keys themselves can be combined to produce one multifunction black key.

Chests contain galgo tokens or galgo coins, which can also be earned as rewards for successful invites to the platform as well as through airdrops for Galgo NFT holders. These tokens and coins give the owner access to pre-drops, project voting, and have other special functionalities.

There is a solid community around these NFTs with the sharing of of keys and galgos between chest, key, and galgo owners being necessary for everyone to get what they want. The creator of the project also runs puzzles where the clues are scattered across multiple Cardano NFT channels.

A collection of hand drawn, non-randomized, and functional digital collectibles themed around the galgo fused with character from pop culture or real people. 

The Galgos

A Github commits tracker for all Cardano blockchain development. With daily reports and a 7 day aggregator to track the progress of Cardano's development.

Cardano Updates

A collection of 10,000 Canadian themed NFTs created to celebrate Canada Day in 2021!

Canuckz NFTs

A cataclysmic event has caused the Dino's to leave their world in search for a new one.  Collect all the CryptoDino's and play with them to earn rewards!

CryptoDino

A collection of 10,000 Dino's with different combinations of rarity attributes that tie into in-game mechanics and abilities.

Crypto Dino Set

A collection of 10,000 Saviors that will be launching in Q4 of 2021. More details to come soon.

Savior Set

Utility for the CryptoDino NFT's collections that allows them to breed, creating new variations of in-game NFT assets. Coming Q1 of 2022.

Breeding Functionality

A play to earn video game that will be launching in Q2 of 2022. More details to come soon.

CryptoDino Game

## Once Upon a Time…

Ona D’rac, the source of all creation, was lonely and to solve this it created the 3 spheres and the discworld Ada. The three spheres were connected to Ada by strong chains and this floats through space orbiting Aton, the eternal bonfire of the creator that provides light and warmth to Ada.

The three spheres, called siblings, were formed from Ada’s womb and they’re called the Red, the Blue-Gray, and the Green, but in some parts of the Ada discworld they’ve been given other names like Basho, Mari, and Plutus. These spheres keep the balance of the discworld and prevent the so called netherworlds, the other side of the disc, from taking power.

Chaos reigned at the time of creation but Ona D’rac formed the laws of order and burnt them into the Gougen Stone, then burying that stone deep in the heart of Ada; thus creating order. Ona D’rac created creatures to populate the world but for intelligent life it created “knots” in the fabric of space. It called these knots “sloops”.

---

- First through the sloops came dwarves, who mined the gold -from Ada and built great cities under her mountains.

- Next came the elves who loved life and protected and lived in the forests.

- After that came the humans. They were great warriors who chose the plains and sea as their home.

- Ona D’rac gave these three tribes each one of the three siblings, the three spheres. Peace then reigned far and wide over Ada.

---

Then the mighty magicians came in search of the Wand of Power. Their greed and lust in their hunt for power brought death and suffering to those that had been living peacefully on Ada.

When the Goguen Stone was found, and its significance uncovered, a great war broke out between the four tribes, with each tribe wanting to own the Goguen Stone. 

In the face of imminent worldwide destruction the four elders of the tribes came together and agreed a peace. In the process they split the Goguen Stone into four fragments. The era that arose from this treaty has since become known as *The Great Peace*.

---

Dividing the Goguen Stone solved the tribe’s war but, with the Goguen Stone being where the laws of order were, literally, written in stone, the chaos those laws controlled began to creep into the world of Ada.

Unnatural creates gradually entered the world and, as a result of these actions, the Devourer of Worlds woke from his eternal sleep. Over time the Devourer had become know as Morgeroth the Doubter and fed on the chaos creeping into Ada.

During this time an old written tradition emerged:

>”Whoever put together the Goguen Stone shall be the ruler of Ada alone!”

---

Players use their NFT trading cards, represent different members of the tribe they’ve chosen to join, to battle each other and try to be the first one to put together the Goguen Stone. There are to be three stages of game development:

- *1st* Web and Mobile based, player vs player and player vs environment, fast paced duel mode. 
- *2nd* Tactical gameplay in a 3D world. Slower paced with lootable crafting items, a progression in character leveling, clan points and territory claiming.
- *3rd* Strategic round based game modes dubbed “skirmish battle mode” which brings together all game modes and makes the whole game more “clan bases”.

The first element of development is slated for release by the end of 2021 and the second and third stages of development will be completed in 2022.

---

AdaQuest offers an extensive “how to purchase” guide for their NFT cards and provide links to  content detailing *“how to buy ADA”*, *“what is Cardano/ADA?”*, and *“What is an NFT?”*.

Once purchased these cards can be traded like other NFTs, but AdaQuest is developing a dedicated market on their site where fans and users of the platform can securely trade the cards between them.

On the Ada discworld four races battle with each other, using NFT trading cards, to be the first to put together the Goguen Stone and become the ruler of Ada.


AdaQuest

See if your Cardano stake pool is working or find out why it might not be.

pool.vet

From the Plutus Pioneers program a network of graduates has evolved. These graduates are assisting each other in their further education and are also providing resources and assistance to those outside the program whom are looking to teach themselves Plutus from the materials posted publicly by IOHK.

---
IOHK has posted all of the Plutus lectures on their Youtube channel and their Github contains a list, with video links, of the lectures and their contents along with homework links and other resources.

---
>The Plutus Pioneers Program is a rolling program growing and evolving with each iteration

This program teaches Haskel and Plutus, preparing students for writing smart contacts on Cardano.

Plutus Pioneers Program

On the ADALend platform each lending pool holds a single currency. Depositors receive the platform's tokens, ADAL, for depositing their assets. Users can borrow assets from a liquidity pool if they deposit other assets that are accepted as collateral. The amount a borrower can borrow depends on the amount of collateral deposited. 

>Borrows have an infinite duration on their loan, with no repayment schedule. Partial or full repayments can be made at any time.

## Interest Rates

Interest rates for each pool of liquidity vary based on the utilization ratio of that pool. When the utilization rate is low so is the interest rate, conversely, when the utilization rate is high the interest rate is also high; rising also exponentially as a pool approaches full saturation. This entices borrower’s to repay their loans and lenders to add collateral to the pool to take advantage of higher returns.

Borrows can also access high value *flash loans*, without putting down collateral. This is based on the guarantee (although the method of how this is assured is not stated) that the full repayment, with interest, will be made “on a single transaction".

---

## Liquidation


When an asset pool is idle partial amounts of that pool will be put into a “stable swap platform” where there’s no impermanent loss in the range. This is to reduce idle assets on the platform and, hopefully, to provide income to those who deposited the asset; although this is an unverified assumption, and the return for the depositor, if any, is not stated in the Litepaper.


There is an unspecified *“origination”* fee for borrowing, purportedly to prevent spam i.e. system abuse.

---

## DAO

A DAO will control the following aspects of the protocol’s lending pools:

- Assets: adding and removing
- Collateralization ratio per asset
- Yield Programs
- Fee rates and usage of the fees

Voters in the DAO will also vote on protocol upgrades.

Voting power in the DAO is calculated by both native token balances and on-chain and off-chain activity analysis. Although it is not state how knowledge of this “activity” will be attained or how it is weighted when it comes to voting.

A decentralized lending protocol of single currency pools with no borrowing duration and fluctuating interest rates based on loan length and pool utilization.

ADALend

With a focus on emerging economies Immunify.Life aims to revitalize inefficient healthcare systems by incentivizing the secure digitization of healthcare, using a cross-chain platform that incorporates user rewards and keeps to internationally recognized standards.

For patients, the Immunify.Life platform will primarily be accessed through a mobile app, available for both Android and iOS, allowing the creation of a digital disease registry and the capture and consolidation of patients medical records into a single record, accessible anywhere. *Patient’s consent is needed regarding  where their data is shared and sharing is undertaken in a de-identified manner.*

Immunify.Life facilitates the collection of *de-identified*, Big Health Data which has the potential to revolutionize healthcare and disease management, by providing organizations, researchers, investors, individuals, and others with the resources and data needed to make decisions and advances in the healthcare field.

Furthermore, for Donor organizations and NGOs, the Immunify.Life platform provide critical data and traceability to those who invest in healthcare. These entities can utilize the platform to access *real-time medical treatment data* and monitor the impact of their donations.

---

## 3 Platform Components

### *Immunify.Life Platform* 

Captures and stores real-time, real-world data in a de-identified manner on the blockchain. Full compliance with US HIPAA health standards ISO 9001 and ISO 27001, provide assurance of security of the platform as a medical IT solution and it can be plugged into various healthcare IT systems using familiar standards such as HL7/FHIR.

### *Immunify.Life Token (IMM)*

The accounting unit and fee settlement token of the platform, used by all stakeholders to pay for services through the platform. Can also be used as incentives for patients and healthcare works to, respectively, share and collect data. The IMM token can be used for:

- Paying fees for access to medical data
- Rewarding patients and healthcare workers
- Staking upon registering for account identity 
- Payment for Immunify.Life savings account
- Acquiring NFT digital medical certificates
- Purchase of goods and services
- Proof of business
- Incentives for end users to provide their clinical data
- Incentives for yield farming


### *Immunify.Life App*
Users use an app to connect to the platform and it is made accessible on mobile devices, both Android and iOS, and can be accessed by any medical professional in real-time. This app is made available to end users at no cost.

---

Upon signing up each party on the platform receives a unique Immunity.Life ID that acts as a unique validation code and allows them to access the parts of the platform applicable to their user tier.

---

## 3 User Tiers

*Tier 1* Free. User can receive medical treatments, sign de-identified data consent forms, and view multiple faucets of their personal health care including:

- Medical records
- Prescriptions
- Appointments
- Immunization schedules

Users can also be rewarded with IMM tokens upon registration and benefit from any behavior-based incentives put forth by governments and NGOs as part of Immuinfy,Life’s incentivize programs. Tier 1 user’s medical records are accessible by healthcare workers, pharmacies, and laboratories in the user’s country.

*Tier 2* Allows users to purchase digital Vaccine Certificates (NFTs) and store them in their personal wallet. Each certificate costs $25, which is paid in IMM tokens. Users can further opt in to allow their data to be shared with interested parties who pay the platform a yearly licensing fee.

*Tier 3* Organizations e.g. governments, donors, NGOs, and research organizations; can pay fees to access de-identified real-time and ongoing treatment data. Data will be accessed using AI. Allowing realtime disease tracking along with granular treatment and diagnosis outcomes.

---


Immunify.Life is built across both Ethereum and Cardano, and takes advantage of multi-chain smart contracts. Immunify.Life will provide a bridge for the worldwide and growing healthcare market to connect to Ethereum’s DeFi economy. Immunify.Life plans to pivot (although they don’t say how much) to Cardano because it is a “more suitable chain”.

---

## Donation Protocol

Donors can donate IMM tokens, which allow them to trace and certify the use of their donations, as well as to monitor and verify their donation's progress, ensuring they actually reach those who need them.

It is hoped that this addition of transparency to international medical aid can increase the rate and efficacy of global donations by helping to preventing fraud and theft.

---

### Charitable DeFi ARM

Those who provide liquidity to Immunity.Life’s DeFi protocol (not elaborated on in the whitepaper) can opt in to delegating a % of their APY to a partnered foundation or charity.

The Immunifty.Life foundations wallet will delegate 100% of it’s APY to foundations and charities on the protocol.

Streamlining, securing, and decentralizing healthcare data for all stakeholders in the healthcare industry, from patients to international aid donors.


Immunify.Life

An ADA staking calculator displaying yearly and monthly rewards for a staking amount, in ADA and USD, at the current market rate with an epoch payday countdown.

Built on Cardano