Target: On_Veera ( $VEERA)

Track: Web3 Native Financial Infrastructure
Rating: High risk, high potential return ( if core assumptions hold )

1. Core Assumptions and Innovation

Core Assumption: On-chain behaviors can be systematized and reliably assessed as financial credit, and this credit has real economic value.

Product Innovation: Shifting from a payment tool to a credit empowerment platform. The card is the user interface, while the underlying on-chain identity and credit engine are the true assets.

2. Market Opportunity and Competition

Opportunity: Address the fundamental bottleneck of the lack of a native credit system in Web3, opening up broad markets such as non-collateralized lending.

Competition: Horizontally competing with convenient CeFi platforms for user acquisition; vertically facing long-term challenges in establishing trust in credit models. Its barriers lie in first-mover data network effects and model iteration speed.

3. Risks and Key Milestones

Main Risks:

- Credit models being manipulated or gamed, losing credibility.
- Compliance costs eroding operational efficiency.
- User behavior data accumulation falling short of expectations.

Key Milestones:

- First adoption of credit scores by a third-party protocol.
- Bad debt rate of the first credit-based lending products.
- Announcement of integration with core financial partners.

4. Investment Thesis

Investing in Veera is a bet that its team can:
- Successfully define and maintain a fair Web3 credit primitive.
- Seamlessly weave traditional financial pipelines into the crypto economy within a compliant framework.
- Form a credit data moat earlier than competitors.

This is a ticket to building the underlying protocol of future finance,
but the path to execution is fraught with obstacles.

$VEERA
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