Chapool Whitepaper
Building On-Chain Infrastructure for Global Consumer Finance
I. Vision: Constructing a New Infrastructure for Global Consumer Finance in the Web3 Era
We are committed to building a borderless, open, and inclusive on-chain infrastructure for consumer finance. Through an innovative financial ecosystem, we aim to break down geographical and currency barriers, enabling global users to enjoy diverse experiences such as free consumption, seamless payments, asset appreciation, and transactions of IP digital assets and trendy toys using cryptocurrencies, regardless of their location or the assets they hold.
1. Global Payment Network: Covering the World, Connecting the Future
Target Vision: By 2027, cover over 200 countries/regions, integrate 5M+ merchants (offline & online IP trendy toys), and build a barrier-free global payment network supporting the entire consumption journey of physical and digital IP assets. Core Mission: Cultivate digital currency habits via social e-commerce referrals, solve regional and currency exchange issues to simplify cross-border payments, and connect IP digital assets with physical trendy toys to enhance IP consumption liquidity in Web3.
2. Democratization of Financial Services: Empowering Emerging Markets
Low-Threshold Financial Services: Provide accessible consumer finance for emerging markets via social referrals and coupons; launch micro-transactions for IP digital assets and installment services for trendy toys to enable global participation. Service Popularization: Serve 500M global e-commerce consumers and 200M+ IP trendy toy collectors, helping them obtain coupons/IP digital collectible rights, complete consumption/transactions, and achieve payment freedom, consumption upgrading and collection appreciation.
3. Inclusive Returns: A New Paradigm of "Consumption as Investment"
Maximizing Capital Value: Integrate referral commissions and transaction fees into the consumer finance ecosystem to combine capital liquidity and appreciation. Innovative Model: Users and their referrers get referral rewards from consumption, IP NFT and trendy toy transactions; commissions/fees are deposited into Web3 DeFi protocols for returns, building a "consumption as investment, collection as appreciation" experience. Financial Empowerment: Help users complete payments and IP collection, and reshape personal financial growth via commissions, dividends and DeFi recycling, making consumption/collection effective for asset appreciation.
4. Core Cycle Model
Social E-commerce Referral + IP Digital Assets + Trendy Toy Transactions Empower Consumer Finance Referral-Driven: Users get coupons, IP NFT info and discounts via social platforms, then consume on third-party platforms or transact on our platform. Commission and Fee Incentives: Referral commissions, IP NFT and trendy toy transaction fees are the core source of initial capital liquidity. DeFi Appreciation: Commissions/fees enter Web3 DeFi protocols for returns to form a capital cycle. User Sharing: Returns are distributed to users to enhance personal asset and collection value.
II. Market Size
Social E-commerce (2026E)
$2 Trillion
IP Derivatives Market
$500 Billion+
DIGITAL IP ASSET (NFT) GROWTH
150% Annually
TRENDY TOY MARKET GROWTH
30% Annually
Overview of the Global Payment Market (Traditional vs Cryptocurrency Payments)
Traditional Payments: Dominated by Visa, Mastercard and PayPal, expected to reach $2 trillion by 2025. Limitations in IP NFT/trendy toy cross-border transactions: 3%-7% cross-border fees, 1-3 business day delays, and exchange rate losses.
Cryptocurrency Payments: Exceeded $80 billion in 2023 (30%+ annual growth), accounting for over 60% of IP NFT/trendy toy transactions. Advantages: 0.1%-0.5% fees, instant settlement, and global versatility (e.g., USDT) to avoid exchange rate losses.
Target Group Analysis
Main Users: Social e-commerce users, cross-border shoppers, SMEs needing low-cost global payment solutions, IP NFT collectors, and trendy toy enthusiasts.
Geographical Distribution: Emerging markets (Southeast Asia, South America, Africa) with huge e-commerce potential but backward infrastructure; developed markets (North America, Europe, Japan, South Korea) with strong IP consumption demand and emphasis on efficiency/security.
Potential for Web2 Users to Migrate to Web3
Current Status: Web2 users (social e-commerce, IP fans, trendy toy players) have high digital acceptance but lack blockchain knowledge; Web2 platforms have IP transaction pain points (difficult rights confirmation, poor liquidity), driving migration.
Drivers: Economic benefits (low-cost payments, asset appreciation), user-friendly DApps (lower Web3 thresholds), and token/transaction dividend incentives.
Challenges: Reducing technical barriers through user-friendly design and beginner guidance for IP NFT/trendy toy on-chain transactions.
Unmet Payment Needs in Emerging Markets
Market Characteristics: Young population (Africa avg. 19.7 years old; SEA >50% young people) with strong IP/trendy toy demand; high smartphone penetration supports mobile/on-chain payments.
Payment Pain Points: High cross-border fees, severe currency instability (Venezuela/Argentina >100% depreciation), inadequate payment infrastructure, and lack of compliant IP transaction platforms.
Cryptocurrency Opportunities: Stablecoins (e.g., USDT) for value preservation, blockchain-enabled financial inclusion for unbanked users, and Web3-based IP rights confirmation/traceability.
III. Project Highlights
Web2 to Web3 Transformation Path
Taking Web2 social e-commerce’s user base, IP fans and trendy toy scenarios as the foundation, we integrate blockchain, Web3 mechanisms and IP resources to build a "social e-commerce + IP digital assets + trendy toy transactions" ecosystem. To achieve this, we attract Web2 users to Web3 via low-threshold operations, embed blockchain functions into existing platforms, and guide user behaviors through token incentives. This integration breaks industry boundaries, thereby forming a comprehensive platform to meet diverse user needs.
Global Payment Solution (Virtual Visa Card, IP & Trendy Toys)
User referral commissions, IP NFT proceeds and trendy toy dividends are converted into CPP Points, which can be used to generate a Virtual Visa Card for global payments (including IP trendy toy channels) and direct platform transactions. Notably, the card supports borderless, low-cost and instant payments, effectively avoiding exchange rate losses. Additionally, it is widely applicable to Visa-accepting merchants, making it well-suited for cross-border shoppers, IP collectors and trendy toy enthusiasts.
Integration of Social E-commerce, IP, Trendy Toys & DeFi
User gains from social e-commerce referrals, IP NFT and trendy toy transactions are converted into CPP Points, which users can invest in DeFi products based on their risk preferences. The platform integrates on-chain DeFi protocols to link consumption, collection, transactions and finance, forming a complete business closed loop: users earn CPP Points, use them for consumption or investment, and share in DeFi returns, with part of the returns allocated to platform operation and IP cooperation.
IP NFT & Trendy Toy Transaction Ecosystem
The platform cooperates with global renowned IPs to mint authorized limited-edition IP NFTs (which have collectible and redemption values), and users can trade these NFTs with CPP Points or cryptocurrencies. Simultaneously, it builds a compliant trendy toy trading market and adopts blockchain traceability to solve authenticity issues in transactions. To promote ecological expansion, transaction incentives include fee discounts (more favorable for CPOT payers), token rewards for both transaction parties, and additional rewards for inviting new users.
User-Friendly Design (IP & Trendy Toy Scenarios)
The application design adheres to low-threshold, seamless interaction and multi-language principles, hiding complex on-chain operations so that users can complete core operations without blockchain knowledge. Key optimizations support this user-friendly goal: quick registration with automatic decentralized wallets, simplified recharge and payment processes, a real-time reward center, and a dedicated zone for IP information, NFT release plans and trendy toy lists with precise recommendation functions.
Transparent Capital Utilization (IP & Trendy Toy Funds)
User CPP Points, IP NFT transaction funds and trendy toy deposits form a fully transparent on-chain capital pool, with all details queryable at any time. The platform maintains sufficient liquidity to meet users’ immediate withdrawal, payment and transaction needs, while investing CPP Points in safe DeFi protocols to maximize returns. Profits are distributed into three parts: token repurchase, ecological development and operational reserves. To ensure security and compliance, all capital flows, transactions and traceability information are on-chain and audited by third parties.
IV. Product Design
User Registration and KYC Module
Users can register quickly via mobile phone, email or social media, with the platform automatically generating a decentralized wallet for on-chain asset management, protected by mnemonics/private keys. To meet AML/CFT compliance, users need KYC verification (identity, address, facial recognition), but small-fund users can use basic functions anonymously, with mandatory KYC for higher limits. The platform cooperates with third-party KYC providers and uses zero-knowledge proof to protect user privacy without storing sensitive data.
CPP Point Exchange and Virtual Visa Card Binding
Each user has a unique CPP Point address, which can be converted to CPOT tokens, used for Virtual Visa Card consumption, or directly paid for IP NFT/trendy toy transactions, with real-time balance updates and on-chain reserve transparency. Users can generate a Virtual Visa Card in the platform, with CPP Points bound via smart contracts for real-time deduction. Payments are settled instantly through payment gateways, with seamless on-chain settlement for IP NFT/trendy toy transactions and no additional manual operations.
Merchant Integration, IP Cooperation & Trendy Toy Ecosystem
The platform integrates global e-commerce merchants (large and small) via referrals and APIs, providing users with product access and CPP Point rewards. It cooperates with global IPs to mint limited-edition NFTs (with digital/physical rights) and builds a compliant trendy toy market with on-chain traceability, multiple transaction models, and cross-border logistics/after-sales guarantees. Cross-border payments are optimized with CPP Points, eliminating currency conversion troubles, and multi-language support and a dedicated community enhance user experience.
User Reward and Loyalty System
Users earn CPP Point rewards by referring products or inviting others to IP NFT/trendy toy transactions, with rewards adjustable by IP/trendy toy value, and points usable for tokens, payments or membership upgrades. Promotion activities (double rewards, invitation bonuses, new user gifts) boost activity and user growth. A membership system based on user behavior (points, transactions, collections) offers exclusive rights (higher rewards, lower fees, priority IP/trendy toy access), with high-level members enjoying additional value-added services.
V. Smart Contract Module
On-Chain Profile Module
Users’ CPP Points, IP NFT and trendy toy transactions are recorded on-chain, forming profiles that reflect their consumption habits, collection preferences and activity to support personalized services. Smart contracts dynamically rate user credit based on these records, which determines access to advanced rights and transaction permissions. Zero-knowledge proof protects privacy, and users own their data with the right to authorize its use.
Consumer Loan Services
Users can apply for installments for high-value IP NFTs, trendy toys and products, with limits and interest rates set dynamically based on their on-chain profiles and credit. Loan approval is instant via smart contracts, with funds bound to Virtual Visa Cards or used directly for platform transactions to ensure designated use. It features low thresholds and customized plans for target users.
Consumer Reward and Dividend Mechanism
Users can convert referral points, IP NFT/trendy toy transaction gains into CPOT tokens, discounts or Visa consumption funds. CPOT holders receive regular dividends from platform commissions and DeFi income, distributed automatically via smart contracts. Rewards and dividends are settled instantly, letting users transparently share ecosystem profits.
User Asset Management Services
Users’ CPP Points, CPOT tokens, IP NFTs and trendy toy on-chain credentials are managed via on-chain wallets, with asset values updated in real-time and idle funds participating in DeFi income. IP NFTs can be staked for loans, and trendy toy credentials serve as transaction proof, boosting asset utilization. Smart contracts handle custody and distribution for efficiency and high returns.
Referral Incentives and Community-Driven
Old users get instant rewards for inviting new users to register or participate in IP NFT/trendy toy transactions, and community contributors earn rewards based on their efforts. Smart contracts record referral/contribution relationships and distribute transparent, instant rewards. This directly drives user participation and ecological expansion.
Dynamic Membership Rights Management
Membership levels are dynamically adjusted by smart contracts based on users’ CPP Points, recommendation performance, IP NFT holdings and trendy toy transaction scale. Higher levels bring lower fees, higher rewards, priority IP/trendy toy access and exclusive services. Rules are transparent, encouraging long-term user retention.
VI. Token Economics
RWA Token
RWA Token bridges traditional finance and Web3, carrying the platform’s revenue rights to enable compliant investor participation in Web3.
- Core Positioning & Functions
- Hong Kong Compliance Issuance Requirements
- Core Features
- Target Users
CPOT Token
CPOT is the platform’s core ecosystem token, driving incentives, scenarios and growth, with value tied to platform operations and IP/trendy toy ecosystem prosperity, supported by efficient incentive and burn mechanisms.
- User Incentives：CPOT rewards users for platform behaviors like referrals, IP NFT/trendy toy transactions and staking, with incentives adjusted by platform revenue and distributed transparently via on-chain smart contracts.
- Usage Scenarios：Holding/using CPOT unlocks transaction fee discounts, membership upgrades, loan collateral and governance rights; it can also be redeemed for IP/trendy toy perks, with holders getting platform dividends.
Governance and Burn Mechanism
- Governance and Dividends: CPOT holders vote on platform decisions (e.g., IP cooperation, trendy toy rules) and earn proportional dividends from platform profits including IP NFT/trendy toy transaction income.
- Burn and Scarcity: CPOT is burned via transaction fees, inactive reward clearance and platform buybacks, cutting circulation, curbing inflation and boosting token scarcity and value.
- Value Growth Mechanism: CPOT’s value ties to platform scale, transaction volume and IP/trendy toy ecosystem prosperity, with ecological growth driving demand. Multi-scenario use and a balanced incentive-burn model ensure its long-term sustainable value.
CPOT Token Distribution
VII. Project Roadmap
1. Complete Platform Architecture Design
2. Build Core Technical Modules
3. Smart Contract Development
4. Release of Two-Token Economic Model
5. First Issuance of RWA Tokens
1. Product Function Expansion
2. CPOT Token Issuance and Ecological Promotion
3. RWA Token Dividend Plan
4. Community Building and Brand Promotion
5. Market Goals:
CPOT Token Subscription Target
Expected Subscription Amount: 20 million US dollars.
1. Globalization and Ecological Expansion
2. Deepening of Financial Services
3. Synergistic Development of RWA and CPOT Tokens
4. Governance and Compliance
5. Market Goals
RWA Token Subscription Target: The expected subscription amount is 50 million US dollars.