Below is a structure about how we see the entire ADD.xyz stack and its various components.
Products exists as a suite of decentralised applications that are extremely easy to use for enterprises. The first flagship product is payroll, followed by loans and derivatives.
Aggregator layer provides a single interface and set of smart contracts to source liquidity and the best prices for enterprises to lend.
Protocol layer is utilised by the aggregator layer to draw upon a combination of open-source protocols for lending, exchanges, derivatives and more. ADD.xyz has also developed their own payments protocol that offers options to make flexible payments with the ability to execute different types of schedules and currencies in them. Built upon a standard framework comprised of Ethereum smart contracts and front-end libraries.
Base layer is to tap into various blockchains for their unique strengths. Ethereum is used for its programmability, Binance DEX for liquidity and Facebook’s Libra for mainstream distribution.
We started as a DeFi lending aggregator, but have built at a rapid pace to now act as a general DeFi aggregation platform, or as we call ‘Full Stack DeFi’, to include ETH mixers & on-chain privacy protocols, buying insurance from providers for deposits on lending, mobile money credits to DeFi lending in Africa, Native Mobile App on Android and eventually a defi debit card.
All of our native components are decentralised and non-custodial.
As Gas Fees on the network increase, and companies are no longer to absorb the costs from their customers. ADD.xyz is the only solution within the crypto space aggregating all functionality and reducing costs down for end users.
With our focus on privacy and anonymity, you can now access on-chain and off-chain privacy solutions before and after lending, purchasing insurance and accessing derivatives.
The days of switching between multiple browsers, apps and waiting for a series of transaction’s to confirm are becoming relegated to the past.
Our focus is on making DeFi accessible and powerful for enterprises. We're achieving this through developing a series of usable products.
ADD Lending; Enabling direct interaction Major DeFi lending protocols
ADD Staking Liquidity; Enabling $ADD holders to earn more ADD
ADD Privacy: OpenVPN, Tor Network, Aztec Protocol, Camoflag.eth, Tornado.cash
ADD Aggregated Governance
ADD Africa Mobile Lending - CeFi Mobile Credits to DeFi Bridge
ADD Privacy - (Native Mixer) ADD.xyz Bl3nd3r (Blender)
ADD Mobile App
ADD DeFi Debit Cards
ADD-as-a-Service for exchanges (SDK)
ADD DEX aggregator
ADD Insurance: Nexus Mutual, Opyn
ADD.xyz's lending product 'Lend & Earn' will allow for consumers to select the best DeFi lending protocols in a simple 3-step process. Their lending portfolio along with the interest earned will be displayed in an easy to monitor and understand interface.
Lend and Earn: https://add.xyz (Click 'Start Lending')
Key features of the product include:
Aggregate industry's leading Lending protocols like Compound, Aave, dYdX, Fulcrum & Curve.
Simple user experience and easy to use user interface without any extra download.
Reduced Gas Cost by 90%.
Earn the best available interest rates from your browser with Zero Fees.
ADD.xyz’s Bl3nd3r mixes transactions using zero-knowledge proofs, which obfuscates users and their deposited assets. By using smart contracts, depositors have some level of transparency in having third-parties verify that those contracts work as intended, while still keeping user privacy intact.
Users can also interact directly with Tornado.Cash's privacy mixer.
Key features of the product include:
Fully Encrypted Privacy Mixing Service enabled with ETH and DAI with Zero Fees.
Audited Privacy Solution.
By using zkSnarks, all transactions are 100% anonymous.
It’s relatively straightforward to track a users spending habits on the blockchain. Both Bitcoin and Ethereum transactions are publicly visible. Only one transaction is needed to trace back and expose the full transaction history of the user.
Mixers are one of multiple solutions which have been developed over the past few years.
A transaction mixer works by mixing together the deposits from multiple pseudo anonymous users, before the transaction arrives at the designated recipient address. Once mixed, it becomes mathematically challenging due to the cryptographic mathematics used to mask the users and their transactions. Knowing who the users are and the amounts is near impossible.
ADD.xyz's Bl3nd3r mixes transactions using zero-knowledge proofs, which obfuscates users and their deposited assets. By using smart contracts, depositors have some level of transparency in having third-parties verify that those contracts work as intended, while still keeping user privacy intact.
Most importantly, as a decentralised anonymizing software, there are no third parties which take custody of your assets or are able to execute administrator operations in order to disrupt the process. Your funds are unconfiscatable.
Users of our Bl3nd3r will be able to mix Ethereum and DAI initially.