TribeOne Fundamental Analysis

May 18, 2021

The digital medium of lending and borrowing is the DeFi platform. It is a financial system that stands independent from the needs of financial intermediaries and financial instruments. It runs on blockchain technology, giving the user full control of their exchanges with minimal friction and fees. 

TribeOne encompasses the major fundamentals of the financial system, remaining in the front row with the use of the latest technology. It is an AI-powered borrowing, lending, saving, credit risk, and NFT platform. Promising the users with zero friction DeFi transactions. It is introducing risk management on cryptocurrency, a concept not readily present in the market. 

What is TribeOne?

TribeOne is a one-of-a-kind platform for participating in the DeFi system with a wide range of products to offer to its users. Different platforms under TribeOne cover major functions of a traditional financial system. For example, lending platform, borrowing platform, saving platform, a platform for NTF assets, and a credit risk platform. 

TribeOne is the first to introduce RAROC into its platform that is powered by AI. With RAROC, the real-time profitability is measured using a framework that analyses the risk factor of an exchange. This presents the users with a picture of their return on investment without sugar coating.

Naturally, when putting money in for a transaction, one wants to be aware of how it would do. In the digital world, which is as volatile as it gets, it is necessary to know how an investment would turn out. The AI-decentralized financial tool RAROC is becoming popular now simply because investors believe where the risk is higher, the reward is higher. It simply aids investors in deciding where they want to put their money in. Aside from this, RAROC aids in keeping the fluctuation under control.  

TribeOne Features

TribeOne is built rather uniquely. It offers a handful of services that differ from those of the existing DeFi systems. It has the following features:

1.Risk Management: TribeOne admits to the nature of crypto being very unpredictable. It changes value every day resulting in major changes in the daily exchanges. TribeOne is actively involved in risk management of the transactions under which it identifies the nature of the risk, analyses it, and takes appropriate actions. It protects the users from risks by managing the user’s vault and assigning a rating that holds them up to criteria.

2.Performance Evaluation: Keeping a track of the repayment history of its users, TribeOne evaluates the performance holding it up against the value of the risk that was undertaken by them. Similarly, it evaluates the amount of loans SMEs are eligible for after reviewing their profiles. 

3.Risk Assessment Criteria: TribeOne has criteria to assess the risk for investments and loans that are based on the following functions:

  • The kind of assets that the user places as crypto collateral against their request for the loan. Crypto collateral is a form of guarantee that is placed for the approval of a loan.

  • The timeline of the loan. Meaning, the amount of time approved for the repayment of the loan amount. 

  • Loan to Value of the user is the last of the criteria. It is a measure of calculating how much risk is being taken on a secure loan. It takes into account the repayment pattern of the borrower that instigates the interest of the loan.

TribeOne Products

TribeOne products are split into two categories. One platform is for ‘Investments’ and the other is for ‘Borrowing’. Under each tab, different products are offered. 

INVESTMENT

Under the investment products, the following are offered. 

1.Sefe Plans

A low-risk investment product that contains:

  • A simple plan that can be taken up individually

  • Pays returns weekly to the wallet

  • Earning stays between 4-8%

  • Has an optional insurance coverage in case of any breach

2.NFT Pool Invest

A medium-risk investment product that contains:

  • A pool funding to invest in the NFT’s

  • It bears a return of 10-30%

  • A DeFi insurance coverage for possible loss

3.Tele Yields

A high-risk products that contain:

  • Against stable coins, it pays the highest risk-adjusted APY

  • An option to get insurance coverage through TribeOne’s DeFi Insurance Partner 

BORROW

TribeOne offers a range of products in the ‘Borrow’ category. 

1.NFT Lending

  • A TribeOne special feature

  • Offers NFT products to all users that are used for NFT Loans and NFT Mortgage

2.Polka Loans

  • Provides up to 90% of the Loan to Value

  • No fees with a flexible plan of repayment

  • Auto-generated approvals, minimum hassle

  • An option to avail insurance coverage

3.Laiti Loans 

  • Customized loan product for micro financiers 

  • Offers low or no collateral funds, majorly favoring SMEs

  • Optional insurance coverage present for this product 

4.Mana Loans 

  • These loans are short term and of a low amount

  • Only the users with clean repayment history and credit profiles can  access this product

  • This will be a chief product under TribeOne’s umbrella because it provides access to minimum collateral loans

  • Optional insurance coverage is available with this product

TribeOne Token

Like all financial systems, a currency is required to carry out all transactions. TribeOne got HAKA for its users as a tool to perform lending and borrowing functions. TribeOne understands the importance of the token language in the DeFi world. Its design and usage are constructed in a way that would encourage vast use of the token. A strong token is bound to bring loyalty from the users as well as success for the model. 

$HAKA can be used for:

  • Best rates: access to best rates for lending and borrowing.

  • Governance: participation in the ecosystem of TribeOne.

  • Lending and Staking Rewards: amount from the fees will be added back to the reward pool.

  • Zero or Low Collateralized Loans: $HAKA token will be important to users looking for low collateralized loans.  

  • Access to NFT slot allocation: Provides the holders with exclusive access to NFT products

  • Early repayment rewards: in case of early repayments, users can earn bonus $HAKA tokens 

The Takeaway

The DeFi ecosystem is without a doubt a very smart invention. The dynamics of finance have been greatly changing because of its development. The only drawback in the whole system is how unstable and volatile it is. Because every element of DeFi systems is online, security and regulation concerns are always high. 

TribeOne comes out with a solution to most of these problems by smartly integrating its system with the latest AI technology. Since its functions are majorly constructed around borrowing and lending, TribeOne focuses on how technology can make the whole process smooth for the participants. The use of RAROC includes risk assessment for the investors which is unique for a DeFi system to offer.  

By doing so, TribeOne aims to build a community that is closely tied together based on trust. It is working its way to attract people from the conventional financial environment towards the future.