CeFi

Not everyone who holds crypto wants to keep all their funds in decentralized channels. Some prefer the stability and convenience that come with regulated financial services—like debit cards, bank transfers, and secure custody. That’s where our CeFi roadmap comes in, blending the benefits of traditional finance with the flexibility of digital assets.

Our CeFi solutions aim to help you seamlessly move between crypto and fiat, invest in tokenized assets, and manage day-to-day financial tasks without juggling multiple platforms or applications. Whether you’re depositing a paycheck into a crypto-friendly bank account or exploring tokenized stocks and bonds, we want to offer a straightforward experience that feels both familiar and forward-thinking.

In the following sections, we’ll explore each of the major CeFi features on our roadmap and show how they fit into a comprehensive, user-centric approach to finance.

DEX-to-CeFi Integration

Rather than forcing users to juggle multiple platforms to move funds, DEX-to-CeFi Integrations will provide a direct on-ramp from DeFi pools to a centralized account within Pairs.

• Frictionless Transfers: Users can instantly shift assets from decentralized liquidity pools or trading positions into CeFi wallets, ready for fiat conversion or further CeFi-based investment.

• Streamlined User Flow: Eliminates extra steps like bridging or manual swaps, letting users capitalize on gains or rebalance their portfolios with minimal hassle.

• Centralized Features on Tap: Once funds are in CeFi, users can take advantage of regulated, user-friendly services like interest-bearing accounts or tokenized asset purchases.

Synergy With Other CeFi Plans:

• Tokenized Stocks & ETFs and RWAs become more accessible when users can quickly move profits from DeFi directly into these instruments.

• Future Web & Mobile Integrations can display a unified view of both DeFi and CeFi balances, smoothing out the user experience.

Real-World Assets (RWAs)

Real-World Assets broaden investment horizons by offering tokenized versions of commodities, precious metals, and other tangible goods. This feature aims to let users diversify without exiting the Pairs ecosystem.

• Accessible Diversification: Gain exposure to real-world markets—like gold, oil, or agricultural commodities—without needing specialized accounts or brokers.

• Fractional Ownership: Smaller investors can hold fractions of high-value assets, democratizing access and lowering capital requirements.

• Global Trading: Because these tokens exist on-chain, they can be bought or sold around the clock, free from typical market hour constraints.

Synergy With Other CeFi Plans:

• Lending & Borrowing Services could allow these tokens to serve as collateral.

• Insurance & Protection Plans might evolve to cover tokenized real-world assets, providing extra reassurance for cautious investors.

Tokenized Stocks & ETFs

Building on the idea of RWAs, Tokenized Stocks & ETFs give users a crypto-based gateway into equity markets. Fractional shares of well-known companies and index funds become directly available within Pairs.

• Simple Accessibility: Users new to equities can dip their toes in gradually, purchasing small amounts at their own pace.

• 24/7 Market: These tokenized assets may be tradable beyond regular stock market hours, letting users act on price changes whenever they occur.

Synergy With Other CeFi Plans:

• Recurring Payments & Payroll can auto-invest a portion of each paycheck into selected stocks or ETFs.

• DEX-to-CeFi Integrations let traders quickly funnel gains from DeFi into equity positions if they spot attractive market conditions.

Store of Tokenized Bonds & Fixed-Income Assets

For those seeking stability in a volatile crypto landscape, Tokenized Bonds & Fixed-Income Assets provide a more predictable yield. Users can buy digital versions of government or corporate bonds directly within the app.

• Steady Returns: Bond yields, while generally lower than risky crypto ventures, offer consistent interest over time.

• Broader Investor Appeal: Risk-averse users can find a comfortable entry point into the crypto ecosystem, diversifying their holdings without chasing high-volatility tokens.

• Unified Portfolio Management: Easily view and manage both bonds and more traditional crypto assets in one place, streamlining financial decisions.

Synergy With Other CeFi Plans:

• Lending & Borrowing Services could allow users to collateralize bonds for loans.

• Insurance & Protection Plans might add coverage for tokenized bond holdings, giving investors extra peace of mind.

Lending & Borrowing Services

Enables retail users to leverage their CeFi or tokenized assets as collateral for loans, or lend them out to earn interest—all through a regulated, user-friendly channel.

• Simplified Collateralization: Borrow against crypto or tokenized assets without complex protocols, tapping into instant liquidity when you need it.

• Competitive Yields: By lending idle assets, users can earn interest rates based on platform demand, diversifying their income streams.

• Regulatory Peace of Mind: Operating within a central framework helps ensure compliance with local regulations, ideal for those uneasy about fully decentralized lending.

Synergy With Other CeFi Plans:

• Real-World Assets (RWAs) and Tokenized Bonds can be used as collateral, appealing to more conservative users who value stable assets.

• DEX-to-CeFi Integrations let users quickly convert DeFi gains to CeFi and put those assets to work earning interest.

Recurring Payments & Payroll

Provides automated scheduling for bills, subscriptions, or salary deposits in either fiat or crypto form, creating a seamless experience for day-to-day financial management.

• Automated Finance: Users can set up recurring transfers—like mortgage payments or streaming service subscriptions—directly from their CeFi balances.

• Crypto Payroll: Ideal for freelancers or businesses looking to pay employees in crypto, removing friction from traditional banking processes.

• Flexible Conversions: Balances can auto-convert between fiat and crypto as required, ensuring the right currency is always on hand.

Synergy With Other CeFi Plans:

• Fiat On/Off Ramps (an existing service) streamline the deposit/withdrawal side of recurring payments.

• Lending & Borrowing Services could allow a portion of paycheck conversions to go toward interest-bearing accounts.

Future Web & Mobile Integrations

Encompasses ongoing improvements to the CeFi user experience across devices, from advanced budgeting tools to real-time notifications and spending analytics.

• Unified Dashboard: Presents balances, transaction histories, and asset performance in a clear interface, making it simpler to manage finances on the go.

• Personalized Notifications: Alert users to important events—such as major price movements, upcoming bill payments, or changes in insurance coverage—via push notifications or email.

• Enhanced Analytics: Track spending habits, set budgets, and review monthly summaries, giving retail users the insights they need to optimize their finances.

Synergy With Other CeFi Plans:

• Recurring Payments & Payroll becomes more transparent with in-app reminders and auto-pay confirmations.

• DEX-to-CeFi Integrations appear in a single overview, showing how much has been transferred or is available for further investment.