Clearpool: The next unicorn of decentralized capital markets? Bullish up to 450%!

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远山洞见2024/09/10 07:07

By:远山洞见

I. Project introduction

Clearpool is a decentralized Capital Markets protocol designed to address the growing demand for unsecured liquidity in the DeFi market. Through Clearpool, institutional borrowers can obtain liquidity through a single borrower pool without permission, providing them with flexible financing options. DeFi lenders can obtain risk-adjusted returns based on market consensus interest rates through Clearpool, further expanding their investment channels.

The core concept of Clearpool is to provide more efficient financing and lending options for institutional market participants. Clearpool also provides a reliable investment channel for lenders who hope to obtain returns, solving the problem of overcollateralization in the DeFi field, which has always been a major pain point for institutional borrowers.

Clearpool aims to redefine the liquidity lending model in decentralized finance by introducing an on-chain risk management system. Through a single borrower liquidity pool and tokenized credit, Clearpool provides lenders with tools for real-time monitoring, management, and risk hedging. This not only helps Clearpool users reduce risk, but also provides a more robust infrastructure for the entire DeFi ecosystem.

II. Project highlights

1. Decentralized unsecured liquidity market

Clearpool is a decentralized Capital Markets ecosystem designed specifically for institutions, aiming to solve the problem of institutions obtaining unsecured liquidity in traditional Financial Marekt. Through its unique single borrower liquidity pool, Clearpool allows institutions to obtain liquidity without providing collateral. This collateral-free mechanism greatly improves the efficiency of capital utilization, while eliminating liquidation risks in traditional lending, allowing institutional borrowers to more flexibly conduct short-term financing. Clearpool's innovative design brings new development possibilities to the decentralized financial ecosystem.

2. Dynamic interest rates and risk management mechanisms

Clearpool's interest rate mechanism dynamically adjusts based on market supply and demand and borrower liquidity utilization, ensuring that the interest rate and size of the liquidity pool are always in balance. As borrower utilization increases, interest rates rise accordingly; when utilization decreases, interest rates also decrease accordingly. This dynamic interest rate mechanism not only enhances market flexibility, but also provides lenders with risk-adjusted returns based on actual market conditions. In addition, Clearpool has introduced tokenized credit (cpTokens), which provides lenders with a unique risk management tool. CpTokens represent the liquidity provided by lenders and the risks they bear, which can be traded in the secondary market, allowing lenders to flexibly manage and hedging risks, thereby protecting their own interests in market fluctuations.

3. Insurance and default protection mechanisms

To further protect the interests of lenders, Clearpool has designed a comprehensive insurance and default protection mechanism. Each borrower's liquidity pool is equipped with an insurance account, and a portion of the interest will be transferred to the insurance account when each block is generated. In the event of a default, lenders can receive compensation through the insurance account, ensuring partial financial returns even in extreme cases. In addition, Clearpool has introduced an auction mechanism, which triggers an auction process after a default, allowing qualified participants to bid for cpTokens in the liquidity pool and maximize the lender's claim amount. This insurance and default protection mechanism provides investors with additional security and further enhances Clearpool's attractiveness as a decentralized financial platform.

III. Market value expectations

As a decentralized Capital Markets protocol, Clearpool provides an efficient and secure financing and investment platform for institutions and investors through unsecured liquidity pools, dynamic interest rate mechanisms, and powerful risk management tools. The design of Clearpool not only solves the pain points of institutional lending in traditional Financial Marekt, but also ensures the sustainable development and market competitiveness of the platform through tokenized credit and repurchase mechanisms.

The total amount of CPOOL tokens is 1 billion, the current unit price is 0.114980U, the circulating market value is 69 million US dollars, benchmarking the same track Compound/ Venus, the potential market value has potential.

- Compound (COMP): Market cap 380 million USD, token price 45.66U

- Venus (XVS): market cap 100 million USD, token price 6.68U

If the circulating market value of CPOOL is the same as that of COMP/XVS, the price and increase of CPOOL tokens will be:

Benchmarking COMP: If the circulating market value of CPOOL reaches the level of COMP, the price of CPOOL tokens can reach $0.6332, an increase of 450.72%.

Benchmarking XVS: If the circulating market value of CPOOL reaches the level of XVS, the price of CPOOL tokens can reach $0.1666, an increase of 44.93%.

IV. Economic model

1. CPOOL Token Utility

The CPOOL token is the core token of the Clearpool platform, with a total of 1 billion tokens and multiple uses:

Entrusted Staking: Users holding CPOOL can participate in the operation of Clearpool Oracles by staking tokens and earn profits. This not only provides stable returns for holders, but also enhances the overall security of the platform.

Liquidity Provider Rewards: Clearpool attracts Liquidity Providers (LPs) to provide funds to the borrowing pool through additional CPOOL rewards. In addition to the USDC interest paid by borrowers, these rewards also provide LPs with additional returns, making Clearpool more competitive in the DeFi market and further promoting platform growth and activity level.

2. Economic models and token allocation

- Investor allocation:

Seed round: 3.33% of total supply, 12-month linear unlock, total valuation 15 million dollars.

Private placement round: 9% of total supply, 3-month lock-up period, followed by 12-month linear unlocking, total valuation 30 million dollars.

Public offering round: 0.35% of the total supply, 50% will be unlocked for the first time, and the remaining part will be unlocked after 6 months, with a total valuation of 40 million dollars.

- Team Allocation:

The team holds 15% of the token supply. After a 6-month lock-up period, it will be linearly unlocked within 24 months. The tokens are managed through multiple signatures in a cold wallet to ensure security.

- Inventory allocation:

Ecosystem: 10.15%

Partnership: 10%

Reward: 20%

Liquidity: 15%

Reserve: 17.17%

3. Repurchase mechanism

Clearpool generates revenue through unlicensed and permissioned liquidity pools to repurchase CPOOL tokens on the open market. The repurchased CPOOL tokens may be redistributed to the reward pool, used for LP/staking rewards, or directly destroyed to maintain the market price and scarcity of the tokens. Repurchase operations are randomly conducted quarterly, and 50% of the revenue will be used for repurchases in the future.

Clearpool's economic model ensures the platform's sustainable development and market competitiveness through finely designed token allocation, flexible staking and reward mechanisms, and effective repurchase strategies. As the core of the platform, CPOOL tokens play an important role in liquidity provision, market incentives, and governance participation, driving the continuous growth of the Clearpool ecosystem.

V. Team and financing

The Clearpool team is composed of professionals in traditional finance, fintech, and blockchain fields, with deep industry backgrounds.

-Robert Alcorn, CFA - Co-founder and CEO, former head of repurchase transactions for the Asia-Pacific region at First Abu Dhabi Bank.

Alessio Quaglini - Co-founder and Senior Advisor, currently CEO of Hex Trust, has held executive positions at institutions such as First Bank Abu Dhabi, BBVA, and Accenture.

Jakob Kronbichler - Co-founder and Chief Commercial Officer (CCO), formerly Commercial Director of Aspire, a leading digital new bank in South East Asia.

Clearpool's technology team is led by Chief Product and Technology Officer (CPO & CTO) Vadim Zolotokrylin and focuses on building the core technology of the platform on Ethereum and Polygon.

Background of financing

Clearpool has received support from several top investment institutions, including Sequoia Capital India, Arrington Capital, Sino Global Capital, HashKey Capital, and Wintermute. These investment institutions have provided Clearpool with $3 million in funding to support its continued development in the decentralized finance field.

VI. Risk Warning

1. Market volatility risk: The value of project tokens may be affected by market fluctuations, especially when liquidity is low or market sentiment changes. Investors should carefully manage their investment risks.

2. Smart contract risks: Although Clearpool's smart contracts have been audited and rigorously tested, no blockchain project can completely eliminate the risk of smart contract vulnerabilities. If contract vulnerabilities or malicious exploitation occur, users' funds may face losses.

VII. Official link

Website： https://clearpool.finance/

Twitter： https://x.com/ClearpoolFin

Telegram： https://t.me/clearpoolofficial

Disclaimer: The content of this article solely reflects the author's opinion and does not represent the platform in any capacity. This article is not intended to serve as a reference for making investment decisions.

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