Future unicorn engine

Regenerative Finance (ReFi) Dashboard

Programmable yield from verified Earth outcomes — engineered for mobile-first Nairobi users with M-Pesa-aware settlement stories.

Mobile IS the platform. Flutter client roadmap: offline-first vault summaries, lightweight AI risk hints, Swahili / English, SMS fallback for settlement notices.

+22 bps

7.4% APY

Green yield (net)

Blended restoration vaults

+3.1%

$48M

Restoration-backed stable float

Over-collateralized RIU basket

+5%

$126M

Impact lending outstanding

On-chain credit lines

+1.8%

$94M

Biodiversity pool TVL

AMM + oracle marks

Layer 3 — M-Pesa gateway

Hybrid rails: M-Pesa only, hybrid, or full crypto

User wallet abstraction shows balance, rewards, and ecological earnings — not chain jargon. Treasury engine handles RIU conversion, liquidity, and settlement; Daraja covers STK (C2B path) and B2C payouts.

Top up savings vault (STK)

Mass-market deposits before allocation to green yield strategies — same STK stack as marketplace.

Withdraw yield → M-Pesa

After unlock period, routed as B2C BusinessPayment with treasury memo + audit hash.

Primitives

ReFi surface area

Contracts compose with the marketplace — same verification, different risk tranches.

Green yield generation from milestone-verified cashflows
Restoration-backed stable assets with circuit breakers
Impact lending with ecological collateral schedules
Regenerative savings vaults — tiered withdrawal penalties fund stewardship
Biodiversity-backed liquidity pools & auto-rebalancing

Risk & compliance

Collateral health matrix

Dynamic loan-to-value keyed to oracle degradation signals — liquidations only after steward appeal windows.

LTV

62%

Buffer

14%

Stress

Pass

Regenerative Finance Implementation Roadmap

Building the comprehensive DeFi platform with ecological collateral, impact lending, and mobile-first user experience.

DeFi Infrastructure & Smart Contracts

critical

DeFi Team

Build the core DeFi infrastructure with smart contracts for lending, staking, and liquidity pools

Est. completion: Q4 2025

Core Smart Contracts

in progress

70%

Develop audited smart contracts for RIU tokens, lending protocols, and yield farming

Deliverables: RIU token contract, Lending protocol, Yield farming, Security audit

Dependencies: Blockchain setup

Liquidity Pool System

planned

Implement automated market maker (AMM) pools for RIU and ecological asset trading

Deliverables: AMM contracts, Pool management, Fee collection, Liquidity incentives

Dependencies: Smart contracts

Yield Generation Mechanisms

planned

Build yield farming, staking, and reward distribution systems tied to ecological outcomes

Deliverables: Staking contracts, Reward distribution, Yield optimization, Risk management

Dependencies: Liquidity pools

Impact Lending & Collateral System

high

Lending Team

Develop impact-focused lending protocols with ecological collateral and risk assessment

Est. completion: Q1 2026

Ecological Collateral Framework

planned

Create collateral system backed by verified ecological assets and restoration projects

Deliverables: Collateral valuation, Asset tokenization, Risk assessment, Liquidation protocols

Dependencies: Smart contracts

Impact-Linked Loans

planned

Implement loans with terms tied to ecological outcomes and restoration milestones

Deliverables: Loan contracts, Impact tracking, Milestone verification, Dynamic terms

Dependencies: Ecological collateral

Ecological Credit Scoring

planned

Build credit scoring system based on RID scores and ecological impact history

Deliverables: Credit algorithms, Score calculation, Borrower profiles, Risk modeling

Dependencies: Impact loans

Mobile-First DeFi Experience

medium

Mobile Team

Create mobile-optimized DeFi interface with M-Pesa integration and simplified user experience

Est. completion: Q2 2026

Mobile Wallet Integration

planned

Build mobile wallet with support for RIU tokens, staking, and DeFi interactions

Deliverables: Wallet interface, Token management, Transaction signing, Security features

Dependencies: Smart contracts

M-Pesa DeFi Integration

planned

Integrate M-Pesa for seamless fiat on/off-ramps and DeFi settlement

Deliverables: Fiat on-ramps, Settlement rails, Payment flows, Compliance

Dependencies: Mobile wallet

Simplified DeFi UX

planned

Create simplified user interface for complex DeFi operations with guided workflows

Deliverables: Guided workflows, Simplified UI, Educational content, Risk warnings

Dependencies: M-Pesa DeFi