BANCA is a decentralized and intelligent community investment bank based on artificial intelligence and big data. Its purpose is to resolve the contradictions within traditional investment banks and will become the development direction of the new business model of investment banks in the future.

Technical Highlights

BANCA ecosystem system will use artificial intelligence and smart contracts to achieve automated management. Based on the immutable nature of blockchain, and the automatic execution of smart contracts when conditions are triggered, it greatly ensures the credibility of smart contracts and reduces execution costs and compliance costs.

In this business model, everyone can participate, play their roles that they are good at, and decentralized democratic policies, equal opportunities, fair competition, and every project can be exposed and accepted by the market. Ordinary investors can participate in investment opportunities that only a few people can participate in in the past. Contributors directly receive the rewards they deserve, and blockchain directly receive the rewards they deserve. Blockchain technology ensures that data, rights and transactions are recorded in real terms, open and transparent, and cannot be tampered with, and the business model is relatively clear.

Application Scenarios

BANCA decentralized community investment banking will basically cover all businesses of traditional investment banks, including four aspects: primary market, secondary market, OTC digital financial services and basic services. Among them, the primary market communities include project listing, bond issuance, mergers and acquisitions, and digital asset securitization. The secondary market community includes digital asset investment research, ratings and digital asset management. The OTC digital financial service area includes financial derivatives, liquidity management, risk management, and digital asset custody. The basic service area includes legal affairs, accounting/audience and other related service providers.

Application scenarios of primary markets: Members recommend projects are adopted and received BANCA rewards; the project will be successfully listed, and the project will pay the listing service provider BANCA. Members (underwriting channels) charge BANCA as project token sales fees.

Second-level market application scenarios: BANCA, the provider of digital fund manager payment research report, obtains investment research report; data collectors sell market data to BANCA; members (intelligent investment advisory team) charge BANCA as digital currency asset allocation service fee; members (token traders) pay BANCA to rent a trading system to members (trading system providers).

OTC Digital Financial Service Scenario: Members (digital asset custodians) charge BANCA as custodian fees for providing asset custodian services; members (risk control expert team) provide risk management solutions for digital asset projects to obtain BANCA; members (OTC derivatives traders) charge BANCA as transaction fees.

Basic service application scenarios: Members (investors) pay members (lawyers’ clubs) BANCA receives legal consulting services; members (project parties) pay members (accounting firms) receive financial audit services; members (fund managers, custodians, OTC operators, etc.) pay BANCA to pay members as membership fees to the self-discipline association.