THE PROBLEM

Low interest rates

Current market rates offer single digit returns. To access higher yields, investors need to sacrifice liquidity or pay higher trading fees. Overall, markets have very limited exposure to non-traditional asset classes.

Fraudulent operations

The development of trading models for non-traditional assets has seen a variety of fraudulent operations, from Ponzi schemes to custodial documents and signature forgery.

Lack of transparency

Non-traditional assets are managed by specialized organizations that offer limited or no information about the assets under management. Data about the underlying asset is periodic, scarce, and unreliable.

Lack of liquidity

There is no secondary market for non-traditional assets. Despite the higher yields offered by their portfolios, Originators face limitations to attract public funds, and are constantly struggling with liquidity crunches.

ASSET TOKENIZATION
Digitization of non-regulated financial instruments using ERC-20 protocol
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API FOR ORIGINATION & CUSTODY
API integration to core origination platform, to certify all the chain of custody using Hedera File Services
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FAIR VALUATION
Periodic valuations of security tokens vs underlying asset until maturity.
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EXCHANGE ON HEDERA HASHGRAPH
AoC-DEX platform powered by Hedera Smart Contracts with 100% on-chain.
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d
REALTIME SETTLEMENT
Realtime fulfilment of token transfers thanks to the integration with the Hedera hashgraph wallet
TRUST
All transactions are secured with the highest standards provided by Hedera Hashgraph. All transactions need to be signed by post-quantum cryptography, including those that are triggered by the Originator’s backend.
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PERFORMANCE & STABILITY
Hedera support thousands of transactions per second, with all the technical and legal controls needed to ensure stability (no forks!).
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SECURITY
Node availability to protect against disruption and DLT attack-resistant technology based on best in class Asynchronous Byzantine Fault Tolerance

THE SOLUTION

All Over Chain offers a promising alternative

AoC platform integrates all end-to-end requirements for the lifecycle of a non-traditional asset, since origination to maturity. The platform handles paper digitization, document custody and token ownership, as well as trading, clearing and settlement of digital tokens. Thus, each AoC token represents a fraction of the real-life assets that serves as underlying collateral.

AoChain starts with a direct integration to the Originator’s back-end, to certify the assets given as collateral and all legal documentation is in order. Once AoC validates the legitimacy of the asset and documentation, a digital copy of the binding documents and financial terms is created and notarized using Hedera Hashgraph File Service. Subsequently, AoC can mint the tokens that represent such asset. If desired, the tokens could be restricted to manual registry of custody orders or, alternatively, to be traded at the AoC  exchange (AoC-DEX). In any case, AoC Core Banking application generates periodic valuations for the assets based on market conditions, to calculate a fair valuation of the position per account.

When any event occurs with the underlying asset, such as fiat payment or other corporate action, AoC generates a Dispersion Order Smart Contract based upon the distribution of addresses assigned to that token for that day, and conversion rate provided by Hedera Mainnet for HBar/USD, and the corresponding pair given by Oanda.com. Thus, each owner can redeem the equivalent in HBar proportional to the percentage of the tokens assigned.

SOLUTION APPROACH

Modular implementation and ERP integration

AoChain comprises three business models integrated in a single platform to deliver  value and reduce risk: Digitalization & Custody, Token Exchange, Brokerage and Portfolio Management . Building a platform that uses the best technology available for DLT, Banking Software, and Frontend UI, allows AOChain to become the preferred marketplace for non-traditional assets.

In the future, the model can be used of other industries and asset classes, such as commercial real estate (REITs), Securitization and Correspondent Services. On the other hand, because AOChain can integrate to the backends via APIs, traditional financial institutions may have full visibility of the inventory on-hand or number of days on receivables, without having to wait for quarterly reports.

Sep '18
➢ Incorporate All Over Chain.Inc
Oct '18
➢ Development Securities Exchange on Swirlds
Mar '19
➢ Hedera Hashgraph - Start Integration Testnet
Sep '19
➢ Open Access with Hedera. Validate MVP with first customer
Nov '19
➢ Pre-funding round
Feb '20
➢ Funding round
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