Decades-old technology and processes have forced institutions and individuals to guard against counterparty risk instead of eliminating it. Capital markets and payment rails have long relied on expensive safeguards against defaults born from delayed clearing and settlement, layers of intermediaries, and manual centralised checks.
It’s worked for the few, been tolerated by the many, but failed the emerging young and not-so-young masses. Not blaming, not ranting. Truth is, financial inclusion never had the right tech backbone.
Now it does.
Decentralised consensus and identity, together, can unlock unprecedented individual and institutional agency.
Three and a half years ago, platformD began its obsessive journey to enable compliant, inclusive peer-to-peer credit transmission. NYMLAB’s partners had a clear vision, authentic entrepreneurial talent, multidisciplinary grit and yes, limited capital.
So on day one we spun out Gayadeed - a separate proprietary application for document composition and legally binding e-signatures. The intent was to grow it into a Trusted Issuer of Verifiable Credentials that allows web3 and web2 users alike to onboard in real time, prove compliance atomically and interact onchain with regulated applications like platformD - privately, securely, and peer-to-peer.
Three years in, and we’re applying real-time onchain verification to the validators running Dchain - the public domain-specific Layer 1 built to power the fiduciary services of platformD. Gayadeed currently generates revenues from both business lines.
Fast and compliance-native from the ground up, platformD is both an onchain transformative financial market infrastructure and application. Through digital securitisation, we turn natively electronic invoices into onchain money market transferrable instruments allowing SMEs in search of short term liquidity to discharge their credit to investors, peer-to-peer.
Fully automated origination, syndication, issuance and settlement are performed deterministically via smart contracts onchain.
We don’t tokenise existing securities; we don’t create private, non-transferrable digital debt instruments.
Instead, platformD’s single onchain protocol performs the full capital markets workflow—bringing a new, massively scalable real world asset class into liquid digital markets. And in a not-so-distant future, to retail investors worldwide.
We believe that compliant digital securitisation and stablecoins are the transformative new rails for peer-to-peer financing and payments. We expect that an unprecedented amount of inhibited real world value will be securitised and transacted peer-to-peer onchain, empowering people and businesses.
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