DFC PROJECT, DFC by Koa-DeFi

Koa-DeFi = Kudos, Ok Asset-Decentralized Finance Platform

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I. Background and Vision

1. Global Background of the Digital Asset Market

Since Bitcoin the first digital asset based on Distributed Ledger Technology (DLT) was mined in January 2009, digital assets have triggered a global investment boom fueled by expectations for technological innovation and high returns. Distributed Ledger Technology (DLT) refers to a system in which multiple computers (nodes) in a network replicate, share, and synchronize identical data (the ledger) without relying on a centralized server or institution. This ensures transparency, integrity, and security.

Blockchain, which groups data into sequential “blocks,” represents the most well-known form of DLT. As of September 2025, the market capitalization of virtual assets exceeded approximately USD 400 billion. The Digital Asset Management (DAM) market is expected to grow from USD 5.65 billion in 2025 to USD 13 billion in 2030.

As regulatory clarity improves and institutional participation expands, the market is projected to exceed USD 1 trillion by 2030. A major shift in global financial order is underway after U.S. President Donald Trump declared Bitcoin as “digital gold” and USD-based stablecoins as the “digital dollar.”

The United States’ digital asset policy changes signal a fundamental reorganization of the global financial paradigm, promoting Bitcoin as a strategic asset, banning CBDCs, and encouraging USD-pegged stablecoins as international settlement instruments. Meanwhile, the EU implemented MiCA in late 2024, building an active digital-asset regulatory ecosystem. Hong Kong also began issuing official crypto licenses from August 1, 2025, aiming to become a global digital financial hub. These developments reflect worldwide efforts to avoid becoming isolated "digital Galápagos islands."

 

2. Vision of the DFC Project

Decentralized Finance (DeFi), built on DLT and blockchain, is one of the most innovative sectors of the digital asset industry. DeFi enables peer-to-peer transactions without intermediaries, allowing for borderless financial interactions. The DFC Project aims to create a digital-asset blue ocean by leveraging DFC’s value innovation on the Koa-DeFi network driving yield farming, crypto-collateral lending, RWA (Real-World Asset) tokenization, and stablecoin ecosystems based on natural ruby gemstones. DFC is not a project for the benefit of the U.S. issuance foundation or the Korean marketing company it exists to prioritize member safety and profit. Integrity, transparency, and sustainability form the identity of DFC.

 

II. DFC Operational Structure

1. Definition of DFC

DFC stands for Decentralized Finance Coin, a utility token built on the Solana blockchain. Within the Web3 wallet integrated with the Koa-DeFi network, DFC functions as a coin for exchange, yield farming, collateralized crypto lending, RWA swaps, and stablecoin-based L/C settlement. The marketing company will issue NFT-based RSCC tokens and stablecoins backed by natural Myanmar ruby gemstones, enabling global settlement by connecting DFC to these guaranteed assets.

 

2. Koa-DeFi

“Koa” means Kudos, Ok Asset representing the honorable operation of high-quality digital assets. Thus, Koa-DeFi is an honorable decentralized-finance platform that operates DFC. It offers functions such as yields, collateral lending, RWA, and stablecoin-guaranteed L/C settlement.

 

3. DFC Web3 Wallet

Modeled after Trust Wallet, the Web3 wallet stores, sends, and receives digital assets, interacts with dApps, and executes DeFi transactions.
Users may exchange DFC, KoPie, ETH, BNB, SOL, USDT, and USDC, and participate in lucrative yield farming.

 

4. Necessity of DFC

DFC is required for:

1. Membership in the Koa-DeFi platform

2. Providing liquidity to earn high-yield farming rewards

3. Crypto-collateral loans

4. RWA exchange and dividend rewards

5. Global L/C-replacement settlement

 

5. DFC Issuance Foundation

Foundation: OMG WORLD FOUNDATION, San Antonio, Texas

Functions:

(1) Issuance and management of DFC

(2) Operation of DFC BANK upon obtaining U.S. federal and state blockchain-based MTL (Money Transmitter License) and MSB (Money Services Business) licenses by the end of 2026

(3) Other operational tasks required to support and manage the project

 

6. DFC Token Information

Total Supply: 10,000,000,000

Protocol: Solana utility coin

Utilities: Yield farming, collateral lending, RWA swaps, stablecoin-backed L/C settlement

Issue Price: USD 0.01

Allocation: Foundation 20%, Marketing 20%, Contributors 20%, R&D 10%, Sales 30%

Exchanges: GOPAX (Korea), Binance, Coinbase, Crypto.com (planned)

Stablecoin Guarantee: Expected with U.S. licensing in late 2026

 

7. Marketing Company

Kodabs Bank (Seoul, Korea) manages:

Global community building

Promotion & Networking

Licensed micro-payment and coin-collateral lending platforms

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8. Decentralized Operational Structure

(1) Introduction of DAO (Decentralized Governance)
A DFC-GOV token will be issued to enable governance voting by token holders.
Through this DAO mechanism, key decisions including interest rates, platform policies, and token issuance volumes are determined collectively by the community.

(2) Smart-Contract Automation
Collateral management, interest distribution, loan limit adjustments, and other operational processes are fully automated through smart-contract execution.
Security audits are conducted by leading firms such as Certik and Quantstamp to ensure system integrity and reliability.

(3) Open-Source Operational Code
Core smart-contract code is made publicly available on GitHub, enabling external review, transparency, and community-driven verification.

 

III. Business Model

1. Yield Farming

The core revenue model of the DFC Project is yield farming through the liquidity pools of the Koa-DeFi platform.

The process of yield farming is as follows:

1. Liquidity providers (users) purchase DFC using stablecoins such as USDT or USDC.

2. DFC holders deposit their DFC into the DeFi section of the DFC Web3 Wallet.

3. Daily rewards are distributed in the form of KoPie tokens, amounting to 0.03% of the total DFC deposited.

In other words, users buy DFC with USDT or USDC, deposit the purchased DFC into the Koa-DeFi platform, and receive KoPie as interest rewards. The deposited funds are USD-pegged stablecoins, and the Koa-DeFi platform utilizes USDT and USDC for these operations.

 

1-1. Yield Farming Interest Rates

Yield farming interest rates are calculated based on annual (12-month), 9-month, 6-month, and 3-month periods. The yield is rewarded daily in KoPie tokens at a rate of 0.03% of the total deposited DFC. Except for short-term deposits, yield farming may be expressed using both APR (Annual Percentage Rate) and APY (Annual Percentage Yield).
 

The key difference is:

• APR does not account for compounding.

• APY includes the compounding effect arising from reinvested earnings.

While APR and APY differ conceptually, both may be used interchangeably depending on the context of the yield farming strategy.

 

1-2. Information on the Reward Token KoPie

(1) Definition: KoPie is a compound term derived from “Kudos, Ok Pie,” meaning “expanding the pie to distribute total profits is an honorable act.”
In this context, “Pie” refers to the total distributable profit—symbolizing both the act of sharing and expanding a collective pool of value.

(2) Protocol: A Solana-based utility reward token.

(3) Utility: Used as a reward token for yield farming and interest distribution within the Koa-DeFi ecosystem.
※ KoPie can be exchanged for DFC and subsequently used to acquire RWA, USDT, USDC, and other assets.

(4) Total Supply: 10,000,000,000 tokens (10 billion)

(5) Issuance Price: 1 KoPie = USD $1.00

 

2. DFC Collateral Lending Project

2-1. Overview of DeFi Lending

(1) The core objective of Decentralized Finance (DeFi) is to allow users to access various financial services traditionally provided by banks, securities firms, and other centralized institutions directly through the internet without intermediaries.
DeFi protocols are open and permissionless, allowing anyone to participate, while offering high levels of transparency and security.

(2) Crypto-collateralized lending is a type of stablecoin issuance mechanism.
Users deposit highly volatile cryptocurrencies such as BTC (Bitcoin) or ETH (Ethereum) under an over-collateralization model. For example, to mint USD 1 worth of stablecoin with 150% collateralization, a user must deposit USD 1.5 worth of ETH into a smart contract.

(3) In the U.S., Maple Finance offers institutional lending products. Its “Blue Chip” product provides loans fully backed by collateral exceeding the loan value, generating an annual return of 6.62%. Its “High Yield” product involves higher risk but offers returns of approximately 10.28% annually.

 

2-2. DFC Collateral Lending Service

(1) CLP+ (Cryptocurrency Lending Platform), integrated with Koa-DeFi, will enable immediate crypto-collateralized lending using DFC and KoPie as collateral. The lending system operates autonomously, similar to decentralized finance, without manual intervention.

(2) Users may choose between flexible or fixed interest-rate options without credit evaluation. Multiple borrowing positions can be opened using the same collateral asset, with each position applying different Loan-to-Value (LTV) ratios, margin call thresholds, and liquidation criteria.

(3) When a user applies for a loan through Koa-DeFi using DFC or KoPie as collateral, the assets are deposited into the integrated CLP+. Loans are issued in USDT, and there is no maturity date. However, the user must maintain an LTV ratio of 86% or below. If the ratio exceeds this limit, automatic liquidation and penalty fees will be applied.

 

2-3. Advantages of DFC Collateral Lending

One of the key differences between traditional financial lending and DeFi lending is speed and simplicity. In traditional finance, verifying creditworthiness and loan conditions is time-consuming and burdensome. In contrast, DeFi enables rapid loan approval as long as collateral requirements are met. Because most review processes are handled via smart contracts, both lenders and borrowers enjoy a seamless and user-friendly experience. Additionally, DeFi lending can offer significantly higher or comparable yields relative to traditional loan markets.
Interest rates vary by product, but loan amounts can exceed those of other asset classes by 10% or more.

 

3. RWA Tokenization and Exchange

RWA includes real estate, securities, collectibles, gems, resources, etc.

DFC Project’s initial RWAs:

1.  Fine art (acquired)

2. Marine reclamation stone mine (completed)

3. Real estate (planned)

All assets undergo valuation, tokenization, and publication on CLP+.

 

4. L/C Replacement via Stablecoins

4-1. L/C Overview

Letters of Credit are core international trade settlement tools.

4-2. Stablecoin Overview

Stablecoins maintain 1:1 pegging to assets such as USD or gold, enabling fast, low-fee global transfers.

4-3. Gemstone-Backed Stablecoin

A gemstone-backed stablecoin is pegged to the appraised value of natural gemstones, offering an alternative stable asset class.

4-4. Natural Ruby Collateral

Ruby value trends show continuous long-term appreciation due to scarcity and Asian demand. Key value drivers include color, clarity, cut, carat, origin, and treatment status. The world-record ruby “Estrela de FURA” sold for USD 30M+ in 2023.

4-5. U.S. Ruby-Backed Stablecoin (USDR)

Collateral: Myanmar natural ruby gemstones

Appraised Value: USD 6 billion

Storage: UBS Switzerland vault

Issuing Entity: Joint U.S.–U.K.–Korea corporation (PB BANK)

Coin Name: USDR (USD + Ruby)

Use Cases: L/C settlement, RWA operations, lending collateral

4-6. USDR Operating Method

1. Appraisal & Evaluation of Three Ruby Stones: Professional Hong Kong appraisers assess quality and rarity to determine accurate value. (Completed)

2. Tokenization of Ruby (“Rubinus Sanguine Christi Condensatus”): Record appraised details on-chain and mint an NFT representing ownership RSCC. This RSCC (NFT) serves as a digital certificate of title. (Planned: issued in Nov 2025 and listed on Upbit NFT (Korea).)

3. Cryptocurrency Issuance: Ruby stones (1, 2) will be collateralized (e.g., Bank of America) to issue a stablecoin-native token. Backed by gemstone value, the token is less volatile than typical cryptocurrencies. (Planned after obtaining U.S. federal and state licenses, around 2026.)

4. Trading & Utilization: The issued coin can be traded on Koa-DeFi, used as collateral for lending services, and serve as an L/C alternative for international trade settlement allowing gemstone owners to raise funds without selling the physical stones.

5. Ruby Redemption: If a coin holder seeks to sell their shared equity in the ruby collateral, the issuer will repurchase and burn the corresponding interest after stipulated conditions are met.

 

5. Additional Linked Projects

• RSCC (Rubinus Sanguine Christi Condensatus) NFT project

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      Swiss UBS- Leasing of a safe-deposit box no: 4080A

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• Hong Kong gallery & Auction ecosystem 

• Japan–Korea e-Sports horse-racing project 

• ALAI(American Laser & Aesthetics Institute) Global medical chain settlement integration

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IV. Risk Management

Innovation must not come at the expense of essential safeguards. While DFC embraces the positive potential and expected benefits of the Koa-DeFi ecosystem, it does not overlook the presence of inherent risks. Accordingly, the project establishes a robust institutional and technological safety framework to ensure that innovation and trust coexist sustainably.
This includes thoroughly verifying the reliability of all underlying technologies and anticipating potential adverse effects.

 

Koa-DeFi is built on the BNB Chain as a strategic approach to minimize such risks.
BNB Chain’s strong security architecture and stability mechanisms help reduce market volatility and technical vulnerabilities, enabling a balanced environment where innovation and reliability operate together. Based on this foundation, DFC continues to implement careful and comprehensive risk-management measures across the ecosystem.

 

V. Technology Architecture

Koa-DeFi Technology Architecture: Koa-DeFi is built on the BNB Chain and integrated directly into the Web3 Wallet. Since DeFi fundamentally operates on smart contracts, and the Web3 Wallet is designed by combining the globally user-friendly Trust Wallet model with Web3 functionalities, the technical architecture follows the structure of both BNB Chain and Web3 technologies.

 

BNB Chain: Three Core Components

• BNB Smart Chain (BSC): The primary Layer-1 chain that supports smart contracts and decentralized applications (dApps).

• opBNB: A Layer-2 scaling solution built on top of BSC, designed for higher throughput and significantly lower transaction fees.

• BNB Greenfield: A blockchain-based decentralized storage infrastructure used for data storage, data management, and Web3 application development. At the center of this ecosystem is BNB, the native token used for transaction fees, governance participation, staking, and securing the network.

 

Ecosystem Use Cases and Key Applications

• DeFi (Decentralized Finance): BNB Chain hosts a wide range of financial protocols, including leading DEX platforms such as PancakeSwap.

• NFT & GameFi: Thanks to fast speeds and low fees, the ecosystem provides ideal conditions for NFT marketplaces and blockchain gaming, offering a lower entry barrier for new users and developers.

• Data Storage & Web3 Infrastructure: Through BNB Greenfield, users gain the ability to store and manage data directly on the blockchain, enabling new forms of decentralized Web3 infrastructure.

• Staking & Governance Participation: BNB holders can stake tokens to contribute to network security and actively engage in on-chain governance voting.

 

VI. Roadmap

2025 Q4

Koa-DeFi launch, GOPAX listing application

RSCC NFT issuance / Upbit & OpenSea registration

RWA for Busan Gadeokdo marine reclamation stone mine

CLP+ development completion

Establish U.S. PB BANK

 

2026 Q1

CLP+ launch, DeFi yield farming

Binance / Coinbase / Crypto.com listing applications

RSCC-based NPL real-estate acquisition & RWA issuance

 

2026 Q2

Japan–Korea e-Sports racing platform, Art NFT issuance

U.S. MSB/MTL licenses for DFC BANK

USDR stablecoin application via Bank of America collateralization

 

2026 Q3

Major exchange listings, Hong Kong gallery & Auction opening

RWA issuance of international bonds

 

2026 Q4

Global DAO ecosystem completion

PB BANK official opening

USDR stablecoin expected issuance

 

VII. Legal Compliance

The DFC Project adheres strictly to international financial regulatory standards, fully complying with Know-Your-Customer (KYC) and Anti-Money Laundering (AML) policies. We establish a legally compliant business structure in the United States, Hong Kong, and South Korea, strengthening legitimacy and trust through a U.S.-licensed stablecoin project framework. Furthermore, the project complies with the digital asset laws and regulatory requirements of each jurisdiction, including the global standards recommended by the FATF (Financial Action Task Force) for the prevention of money laundering and terrorist financing.

 

VIII. Conclusion

We stand at a pivotal moment in which the financial paradigm is shifting toward a digital-asset-based economy. Those who fail to recognize this paradigm shift will fall behind in the emerging digital economic society, while those who move in step with the change will encounter new opportunities for prosperity. The DFC Project embraces this transformation and aims to grow together with its members—creating and distributing value while advancing toward a prosperous future in the global digital asset marke

 

IX. Disclaimer

This whitepaper has been prepared to assist users in understanding DFC and the Koa-DeFi ecosystem. Neither the Foundation nor the marketing company solicits or encourages any form of investment in DFC. Users must review this whitepaper to understand the DFC Project and make their own independent decisions regarding participation. All profits and losses arising from participation in the DFC Project belong solely to the user.
The Foundation and the marketing company bear no obligations or responsibilities in this regard. Even if a user participates in the DFC Project based on the recommendation of a third party, the Foundation and the marketing company assume absolutely no responsibility or liability related to such involvement. As stated above, the Foundation and the marketing company fully disclaim any obligations or responsibilities for profits or losses arising from your participation.

 

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Thank you.

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