# Market & Problem

## Vision & Mission

* Vision: Become the foundational decentralized layer for professionally managed on‑chain investment and real‑world credit—where elite trading talent and credible undercollateralized borrowers build transparent, reputation-driven track records accessible to global capital.
* Mission: Accelerate the migration of top Web2 fund managers and high-quality real‑world credit originators into Web3 by delivering audited, composable infrastructure, a merit-based reputation system, seamless user experience, and progressive decentralization—while ensuring continuous liquidity access for investors

## Problem Statement

1. Users who look for diversification on-chain follow 2 common paths :
2. Buy and hold a token – Example : buys solana and stores on a wallet without any yield
3. Go back to web2 as it’s hard to start.

Why we fix it? *A robust shelf full of different products.*

2. It’s not like what they are used to: TradFi has many types of investments – but on-chain it’s hard to understand (ex: one website does one type, each project has its token).

Why we fix it? *Users can diversify, investing in funds by managers specialized in each type (example: one manager is specialized in Web2 and operates only stocks, another manager is a memecoin trader and another is a futures trader). All in the same place – with a clear fee structure.*

3. Copy trading doesn’t work

Why we fix it?  *Instead of following a profitable trader’s wallet, you will be in his vault, so when the manager buys you will buy in the same transaction, so the entire vault wins or loses the same %.*

4. TradiFi has strict rules over users money.

Why we fix it?  *Money is yours; different from Web2, you can withdraw your money from funds anytime, even when the manager has open positions. On-chain instructions will close your % and send your SOL. Anytime.*

5. Lending in DeFi is not lending; protocols use users’ assets to ensure payments.

Why we fix it?  *We understand that when users need capital, they can’t lock a bigger part of it to receive less than they have; it’s not their goal here, so we bring undercollateralized lending based on performance and reputation.*

## Market Opportunity

* Traditional asset management à 60 Trillon USD:
* North America – 30
* Europe – 20
* Asia – 8
* Latam – 1.8
* Middle East + Africa – 0.8

Opportunity: *Convert a portion of Web2 discretionary and quantitative managers to on-chain environments by offering a credible migration path (tooling + fee logic + trust layer).*

* 25 Billion USD is traded in Solana using copy trading.

Opportunity : *Convert a portion of copy trading to vaults.*

* Undercollateralized lending represents close to 5 Trillion dollars a year.

·         Opportunity : *Offer money with no guanrantees based on a rosbust reputation system.*

&#x20;

## Value Proposition

For Managers (Strategy Creators):

* Launch strategy vaults with structured fee models.
* On-chain track record + credibility signals (audit trails, verifiable returns).
* Automated, transparent fee accrual and distribution.
* Route orders through well knowed platforms

For RWA Managers:

* Launch RWA product with structured fee models.
* Receive the money and works with it offchain.
* Pay all investors in correct % and transparent way ;

For Investors:

* Curated strategies (risk tiering, disclosures, standardized metrics).
* Clear RWA risks and opportunities.
* Real-time performance dashboards.
* Simplified deposit/withdraw flow.
* Portfolio allocation tools & reporting exports (CSV, API).

For the Ecosystem:

* Expands utility of Solana via institutional-style managed products.
* Encourages open innovation.
* Open Source and 100% on-chain.


---

# Agent Instructions: Querying This Documentation

If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question.

Perform an HTTP GET request on the current page URL with the `ask` query parameter:

```
GET https://defunds-finance.gitbook.io/whitepaper/market-and-problem.md?ask=<question>
```

The question should be specific, self-contained, and written in natural language.
The response will contain a direct answer to the question and relevant excerpts and sources from the documentation.

Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.
