Engagement — Value Creation Proposition

Lenders

Flexible

With support multiple currencies it enables lenders to access multiple lending alternatives without leaving the platform.
Value is created through return on investment (ROI). Gyaan will offer a higher ROI than any traditional financial products.
Gyaan Network also provides increased flexibility, compared to any traditional lending products, as it is possible to sell loans on a secondary market for a small 0.25% fee.
Gyaan Network allows lenders worldwide to reach the most attractive lending opportunities, no matter where they are.

Peer to Peer

Thanks to a P2P DeFi protocol lenders can enjoy competitive interest rates without spreads between lending and borrowing APRs.
With AI and competitive interest rates and multiple loan types and currencies to choose from, lending is now one of the smartest use cases on Blockchain.

Security

Thanks to a Gyaan Credit Score lenders can now confidently lend with minimum risks.
Investors also gain value from Gyaan's credit scoring indicating the credit worthiness of potential borrowers, reducing the risk for lenders.
The ability to repeatedly lend same and multiple users as educational loans reducing the overall risk – is also a benefit provided by the Gyaan platform, while some lenders also appreciate the societal value of lending to students pursuing education.

Borrowers

Delivery — Value Chain

Gyaan Protocol which helps in deciding the rates is maintained by Artificial Intelligence algorithms and Research scientists and provides an integrated service for both Lender and Borrowers groups. Gyaan Protocol manages both borrower and lender applications to assess credit worthiness and suitability. In addition to that AI system will help engage with borrowers for advice on their loan application.
The application process takes much less time as compared to traditional system which takes up to 7 days. The loan is then available for investors to bid on. Once sufficient lenders have committed funds, the borrower chooses to accept the terms and confirms the loan.
This group benefits from lower fees compared to traditional sources of funding and can access credit quickly and easily.

Monetisation — Value Capture

As mentioned above revenue is generated from both the groups.

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Last updated 1 year ago

Lenders

Flexible

With support multiple currencies it enables lenders to access multiple lending alternatives without leaving the platform.

Value is created through return on investment (ROI). Gyaan will offer a higher ROI than any traditional financial products.

Gyaan Network also provides increased flexibility, compared to any traditional lending products, as it is possible to sell loans on a secondary market for a small 0.25% fee.

Gyaan Network allows lenders worldwide to reach the most attractive lending opportunities, no matter where they are.

Peer to Peer

Thanks to a P2P DeFi protocol lenders can enjoy competitive interest rates without spreads between lending and borrowing APRs.

With AI and competitive interest rates and multiple loan types and currencies to choose from, lending is now one of the smartest use cases on Blockchain.

Security

Thanks to a Gyaan Credit Score lenders can now confidently lend with minimum risks.

Investors also gain value from Gyaan's credit scoring indicating the credit worthiness of potential borrowers, reducing the risk for lenders.

The ability to repeatedly lend same and multiple users as educational loans reducing the overall risk – is also a benefit provided by the Gyaan platform, while some lenders also appreciate the societal value of lending to students pursuing education.

Borrowers

Delivery — Value Chain

Gyaan Protocol which helps in deciding the rates is maintained by Artificial Intelligence algorithms and Research scientists and provides an integrated service for both Lender and Borrowers groups. Gyaan Protocol manages both borrower and lender applications to assess credit worthiness and suitability. In addition to that AI system will help engage with borrowers for advice on their loan application.

The application process takes much less time as compared to traditional system which takes up to 7 days. The loan is then available for investors to bid on. Once sufficient lenders have committed funds, the borrower chooses to accept the terms and confirms the loan.

This group benefits from lower fees compared to traditional sources of funding and can access credit quickly and easily.

Monetisation — Value Capture

As mentioned above revenue is generated from both the groups.