Building for the next 1 billion DeFi users

Decentralised Investment loan protocol

An Instant and Permissionless Undercollateralized DeFi Lending Protocol

Bigger Loans for Less

Traders can take bigger loans on rallying markets for profit maximisation. Optimists can also borrow to execute asset accumulation strategies during bearish markets.

Flexible Loan Repayment

Our loan repayment schedule and binding rules are not cast on stone. You can repay from a 3-month, 6-month, or 12-month systematic plan. Better still, you can customise payment time frames.

An Open Protocol for Everyone

At Paxo Finance, anyone and everyone can borrow. We are firm believers of decentralisation, automation, and financial inclusion espoused by DeFi. We stand by these principles. All you need is a crypto asset. No credit checks. No KYC. No social enforcements.

High Capital Efficiency

Deployed capital will always find use. Whenever deposited digital assets aren’t deployed to undercollateralized borrowers, be rest assured they are building wealth and making money for you on other partner collateralized lending pools such as AAVE or MakerDAO.

PAXO portfolio builder

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Our Portfolio Builder is for the ambitious, goal-oriented user with a given crypto investment target to meet in a given period.

Balance profit and risk

Our tailored isolated pools cater for all types of lenders. Depending on your risk profile, a lender can invest in multiple pools to meet their investment goals. All our pool smart contracts are publicly accessible and can be inspected.

What is Paxo?

PAXO is a decentralized money market protocol which opens up investment loan options in the DeFi space that allows users to invest in digital assets through multi pool borrowing.

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Balance Profit and Risk

Paxo Finance is compliant to the cryptocurrency and blockchain industry’s best security practises. All our smart contracts are certified-secure and have been audited by a reputable blockchain security firm.

Pool and Collateral Diversity

We support a wide range of isolated pools and digital assets like WBTC, BTC, and MATIC as collateral. Our audited smart contracts also link to liquid decentralized exchanges.

Low Fees and High yields

Our transaction fees are among the lowest in the industry for lenders to reap maximum yields. Borrowers’ rates are also uniformly adjusted depending on prevailing market conditions.

Global Access

Users can access high quality financial services without verification or credit checks from anywhere in the world. A secure wallet and an internet connection is all that’s required.

Easy-to-Use

Our lending and borrowing interfaces were designed by the world’s most talented graphic designers. It is easy-to-use and intuitive allowing for silky smooth and hassle free navigation.

Compliance and Security

You don’t have to be a crypto whale to borrow in Paxo. The Paxo Finance loan-to-collateral ratio is the industry’s lowest, ranging from 20-100%.

How does it operate?

It works in a similar way to borrowing money to purchase a home or investment property. You borrow money to invest in a portfolio of crypto/digital assets. The borrowed funds are then secured against the portfolio of digital assets where the digital asset is locked in the smart contract until the loan is paid back.

Tokenomics

PAXO is the native token of the protocol.

PAXO is a governance token which controls interest rate, changes in the protocol, development roadmap. inclusion of new assets, reward distribution etc.

Tokens

35,000,000

Allocation: 7.00%

Seed Round

Tokens

45,000,000

Allocation: 9.00%

Private Round I

Tokens

45,000,000

Allocation: 9.00%

Private Round II

Tokens

12,500,000

Allocation: 2.50%

Exchange Liquidity

Tokens

75,000,000

Allocation: 15.00%

Marketing, Acquisitions, Licenses

Tokens

50,000,000

Allocation: 10.00%

Development & Partnerships

Tokens

75,000,000

Allocation: 15.00%

Adoption Staking, Incentives

Tokens

75,000,000

Allocation: 15.00%

Team

Tokens

15,000,000

Allocation: 3.00%

Advisors & Consultants

Tokens

60,000,000

Allocation: 12.00%

Reserve

Tokens

12,500,000

Allocation: 2.50%

IDO

Tokens

500,000,000

Allocation: 100.000%

Total

Tokenomics

PAXO is the native token of the protocol.

PAXO is a governance token which controls interest rate, changes in the protocol, development roadmap. inclusion of new assets, reward distribution etc.

Tokens

35,000,000

Allocation: 7.00%

Seed Round

Tokens

15,000,000

Allocation: 3.00%

Strategic Round

Tokens

10,000,000

Allocation: 2.00%

Private Round

Tokens

9,000,000

Allocation: 1.80%

IDO

Tokens

7,500,000

Allocation: 1.50%

Exchange Liquidity dex

Tokens

30,000,000

Allocation: 6.00%

Market Making Loan

Tokens

103,500,000

Allocation: 20.70%

Reserve

Tokens

75,000,000

Allocation: 15.00%

Adoption, Staking, & Incentives

Tokens

75,000,000

Allocation: 15.00%

Marketing, Acquisitions, & Licenses

Tokens

75,000,000

Allocation: 15.00%

Team

Tokens

15,000,000

Allocation: 3%

Advisors, & Consultants

Tokens

50,000,000

Allocation: 10.00%

Development & Partnerships

Timeline

& Roadmap

Q3 and Q4 2021

Seed round funding

UI & testing

Lightpaper release

Architecture design Development

Q1 2022

Audit

Testnet deployment

Q2 2022

Token Launch

Mainnet launch with 2 pairs
Bug bounty launch
Liquidity mining commencement
Additional exchange listing
Development for multiple isolated pools

Q3 2022

Private round ongoing
Buy bounty launch
Mainnet launch
Liquidity mining commencement
Development of multiple isolated pools

Q4 2022

TGE
Staking
Partnerships
Additional Pools

2023

Additional suppy markets
Governance DAO
Leveraged staking
F&O trade with CeFi

Timeline

& Roadmap

Hi 2022

  • Seed round funding
  • Architecture design and development
  • Bug bounty launch
  • Whitepaper release
  • Audit
  • Testnet launch

Q3 2022

  • Private round ongoing
  • Buy bounty launch
  • Mainnet launch
  • Liquidity mining commencement
  • Development of multiple isolated pools

Q4 2022

  • TGE
  • Staking
  • Partnerships
  • Additional Pools

2023

  • Additional suppy markets
  • Governance DAO
  • Leveraged staking
  • F&O trade with CeFi

How are we different

from the rest














PAXO Venus Compound/Aave DyDx TrueFi
Collateral 20-100% 166% >120% 5-100%
Designed for Investment Loan +
Margin Lending + +
Permissionless + + + +
Stable Borrow APY 9-15% 9-14% 4-8% 34.2% 3-5%
DEX Integration + +
Collateral Assets Multi Multi Multi Multi Multi
Isolated Pools + NA

Team and Advisor

PRANJAL

Pranjal Prashar

Founder and CEO

ANKUR

Ankur Jain

Co- Founder

Sachin Agarwal

Head of Product

NIRMAL

Nirmal S. Rathore

CMO

NEERAJ

Neeraj Bhatt

Head of Tech

Ankush Gupta

Head of Community

PRATEEK

Prateek Seth

Tech

Bartolome R Bordallo

Advisor, CEO Zignaly

Abdul Rafay Gadit

Advisor, CFO Zignaly

Avinash Shekhar

Advisor, CEO Zebpay

Dave Brown

Advisor, Founder DC Crypto

Stay informed

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Partnerships and Integrations

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