Unlike other projects, Jia balances both sustainable returns to our investors along with real world impact to our customers in emerging markets. While our Huma Finance liquidity pool yielded strong returns of 10-12% APY USD, we are proud to have also contributed to the growth and success of small spice vendors in Kenya. This dual focus on financial returns and social impact sets Jia apart in the RWA space.

In addition, we believe that we can provide value to Arbitrum's RWA Ecosystem in the following ways:

1) Expansion and Diversification: Jia expands and diversifies Arbitrum’s portfolio by introducing a new asset class from emerging markets. By tokenizing receivables from MSMEs, we empower investors with access to high-yield, low-risk investments that were previously inaccessible. This diversification not only enhances the risk-return profile of the Arbitrum ecosystem but also aligns with the growing demand for sustainable investment opportunities.

2) Blueprint for Mission-Focused Projects: Jia’s comprehensive approach to RWA tokenization will serve as a blueprint for similar mission-focused projects on Arbitrum. Our extensive experience in emerging markets, combined with our proprietary invoice validation technology, allows us to navigate the complexities of this space effectively. By demonstrating a successful model, we pave the way for future projects that aim to leverage RWAs for both financial and social gains.

3) Proven Track Record: Our successful deployment of $700k+ in on-chain liquidity and origination of $5M+ to over 2,000 borrowers with near-perfect repayment rates showcases our ability to deliver consistent results. This proven track record instills confidence in investors and other stakeholders, underscoring our capability to manage and scale RWA projects effectively.

4) Regulatory and Operational Expertise: Jia’s deep engagement with regulators in Kenya and the Philippines ensures that our operations are compliant and sustainable. Our close collaboration with local authorities not only facilitates smoother project execution but also sets a precedent for regulatory best practices in the RWA space. This expertise is crucial for developing a robust framework that other projects can adopt.

5) Ecosystem Development: By bringing real-world assets on-chain, Jia significantly contributes to the development of the RWA ecosystem on Arbitrum. We democratize access to global investors, enabling them to participate in the economic growth of emerging markets. This inclusion fosters a more vibrant and diverse ecosystem, attracting a broader range of participants and investments.

6) Innovation and Future Growth: The STEP committee’s recent investment into six RWA projects indicates that we are at an inflection point in the adoption of tokenized assets on Arbitrum. Jia is excited to be at the forefront of this innovation, shaping the future of the platform. By continuously refining our technology and expanding our reach, we aim to drive future growth and create long-term value for our ecosystem partners, investors, and most importantly, end-users.

7) Alignment with Arbitrum’s Capabilities: Jia’s project leverages Arbitrum’s Layer 2 (L2) optimistic rollup chain to enhance the efficiency and scalability of our decentralized lending platform. By utilizing the Arbitrum Rollup protocol, Jia benefits from low transaction costs and high throughput, enabling us to process numerous transactions quickly and affordably. This is particularly crucial for handling the volume of receivables in emerging markets.

8) Ethereum-Grade Security: Arbitrum’s rollup technology ensures that all transactions settle to Ethereum’s Layer 1 (L1) chain, providing Ethereum-grade security guarantees. This means that our tokenized receivables are secured by the robust security framework of Ethereum, instilling trust and confidence in our investors and users. There are no additional trust assumptions, aligning perfectly with our commitment to transparency and reliability.

9) Seamless Integration: Arbitrum allows us to build high-performance Ethereum dApps with ease. Jia can seamlessly integrate with other DeFi protocols and dApps within the Ethereum ecosystem, enhancing our liquidity and reach. This interoperability is vital for creating a comprehensive financial ecosystem that supports MSMEs in emerging markets.

Jia’s unique approach to RWA tokenization, combining sustainable financial returns with meaningful social impact, positions us as a transformative force within the Arbitrum ecosystem. By expanding investment opportunities into emerging markets, creating a blueprint for future projects, leveraging Arbitrum’s capabilities for scalability and security, and contributing to the broader DeFi ecosystem, Jia provides unparalleled value. We are excited to shape the future of tokenized assets on Arbitrum, delivering benefits to all stakeholders involved.