Gyaan Ecosystem

Gyaan is a collective, a foundation, an ecosystem of decentralized products & services which are designed to solve the real-world economic problems using the Blockchain & Artificial Intelligence.

Mission Statement: Our mission is to make educational loans and financial products available and affordable to millions.

Vision: Our vision is to be global leader and no.1 destination for lending using alternative DeFi Credit score. So anyone from around the world can borrow or lend for education, sports i.e. Includes loans, savings & investment accounts, etc.

Objective:

1. Simple and easy, all in one platform for borrowing, lending & investing.

2. Facilitate quick & easy borrowing and lending for all educational purposes.

3. Borrow, lend & refinance multiple times within the same platform.

4. Create an alternative credit scoring system for unbanked, with poor or no credit score or without any financial history.

5. Easily manage all types of assets including fiat and cryptocurrencies, track portfolio with ease.

6. Provide service to securely issue, store educational and access course certificates on Blockchain (to make it tamper proof, easily verifiable and accessible globally creating an intrinsic value for it).

7. Create a trust between lenders and borrowers and mutually responsible using a social score to remove 3rd parties, middlemen, and a guarantor.

8. Lending smooth and risk free with a guaranteed return.

9. Facilitating easy payments for all educational needs includes institution fees, hostel fees, library fees etc with a simple quad account (learn, earn, save & invest).

10. Send, receive any type of currency from any part of the globe.

3 core values of Gyaan

1. Investing in Education is empowering next generation for building a better future

2. Borrowing for education is an investment, NOT a debt.

3. Educating younger generation is an asset NOT a liability.

3 core elements in Gyaan for Web 3.0

Gyaan Network, Gyaan Protocol & Gyaan Foundation (DAO) are the 3 core elements of the Gyaan, decentralized product & services offered within the ecosystem are for global audience. Hence all participants in the ecosystem are KYC & AML verified.

3 core values, 3 core elements for Web3.0

Gyaan Ecosystem incentives are designed to encourages lenders worldwide to provide their unused or extra cash or funds for needy borrowers around the world.

How Gyaan Ecosystem and its products add value

Firstly

It taps and brings the much-needed liquidity required for the educational loan sector. The traditional banks and fintech’s are not able to fulfill the needs and demands of the current market. They reject up to 70% loan applications because of various reasons.

Second

Borrowers from the around the world will be able to borrow funds irrespective of the college, course, or country without disclosing their details using alternative DeFi Credit Score generated and stored in “Gyaan Passport”.

Lastly

Similarly, Lenders from the around the world will be able to securely lend without disclosing their details using alternative DeFi Credit Score generated and stored in “Gyaan Passport”.

For a continuous participation in the ecosystem, user needs KYC & AML verified.

Gyaan, no.1 destination for providing educational loans on the Blockchain against the academic educational certificates and short vocational courses certificates as collateral by identifying, verifying those certificates, and securely storing them on the Blockchain to create an intrinsic value.

Problems associated with the current traditional lending ecosystem for educational loans which involves 3rd parties, requires co-applicants and guarantors with good credit score and high collateral.

Gyaan Ecosystem greatly improves the process and user experience by creating easy to understand products and tools providing enough liquidity, fast, reliable, and transparent system.

Gyaan is bringing a new alternate credit scoring system to help those who are unbanked with poor credit or no financial history (Estimated to be more than 2 billion worldwide) and connecting them with lenders around the globe and settling the transactions using smart contracts and AI.

The Gyaan Ecosystem introduces novel concepts:

This white paper describes Gyaan Ecosystem and its products and concepts in detail. The Gyaan Ecosystem will be launched with ERC20-compliant tokens and will be integrated into other market leading DeFi Protocols by Q1 2025.

Gyaan ecosystem participants

Ecosystem Participants are categorized as below.

1. Students and their families who are Borrowers.

2. Individuals, Banks, FinTech’s, SBO’s who are Lenders.

3. Educational Institutions, Colleges, Ed-tech's as originators or course providers on the platform.

4. General Investors who invested in the project either buying tokens or by equity investment.

Gyaan creates friction-less, transparent, and border-less payments for education/student loan markets. Borrowers will be able to borrow without the need of the intermediaries, 3rd parties and guarantor. Lenders will be able to lend with confidence earning secured, dedicated, and repeated returns for their investments. With Gyaan Ecosystem users can do more than just borrowing & lending. Gyaan products are designed to help with savings, investing, and for paying day to day bills.