1.2 Ecosystem Participants

The WeFi ecosystem is a collaborative network comprising three primary participant groups. Unlike traditional financial systems where participants are often in conflict, the WeChain network aligns the incentives of builders, service providers, and end-users to create a self-sustaining economy.

The Three Participants

1. WeFi (Builders and Maintainers)

WeFi is the technology company that builds and maintains the core infrastructure of the ecosystem. As the architect of the Deobank Model and the WeChain network, WeFi provides the foundational framework that enables all other participants to operate.

• Core Infrastructure: WeFi develops and maintains the WeChain blockchain, the high-performance network that serves as the settlement layer for all transactions. This includes network consensus mechanisms, security protocols, and cross-chain interoperability.

• Protocol Development: WeFi creates the "ready-to-use" protocols that allow the ecosystem to scale, the "Lego blocks" of finance including modules for payments, credit, custody, and compliance.

• Token Economics: WeFi designs and manages the $WFI token economics, including the Cloud-Based Mining technology, Energy ecosystem, and the algorithmic rules that govern supply and distribution.

• Governance and Standards: WeFi establishes the technical standards, security frameworks, and governance mechanisms that ensure the network remains secure, compliant, and scalable.

• Strategic Innovation: WeFi integrates AI-driven behavioral scoring, programmable compliance, and other advanced technologies into the network's core logic.

• Onchain Banking Accounts: WeFi provides the Onchain Banking Account for Deobanks to connect with, enabling direct connection between traditional finance and blockchain. This includes blockchain-recorded mechanisms for onramping and offramping digital and fiat assets. (See Section 3.1 for details.)

2. Deobanks (Service Providers)

Deobanks are service providers that operate on top of the WeChain network. They use the infrastructure and framework built by WeFi to deliver financial and intelligence services to end-users. Deobanks can take many forms, all unified by their use of the Deobank Model.

Deobanks encompass a wide spectrum of service providers, from traditional banks and fintechs to custodians, compliance providers, AI analytics firms, and legal entities. All use the Deobank Model to deliver financial and intelligence services onchain. (See Section 1.3 for detailed Deobank participant types.)

Core Functions

• Network Participation: Deobanks act as network nodes, securing the chain and earning rewards from the global transaction flow. Instead of paying fees to access the network (like in TradFi), they are rewarded for their participation.

• Regulatory and Service Layer: Deobanks manage regional compliance (KYC/AML) and provide the essential interfaces, both human-facing (banking apps) and machine-facing (APIs), that connect users to the network.

• Credit and Liquidity: Deobanks are the primary providers of liquidity and loans. They use the Loyalty Coefficient (LC) to replace outdated credit scores with behavior-based trust, enabling fairer access to capital.

• Value-Added Services: Beyond basic banking, Deobanks provide specialized services including custody, compliance, analytics, legal automation, and onramping/offramping (fiat-to-crypto and crypto-to-fiat), many leveraging smart contracts on WeChain for automation and transparency.

Unlike neobanks that sit on top of opaque legacy databases, Deobanks use blockchain as their core accounting and settlement layer, providing transparency, efficiency, and user sovereignty.

3. End-Users (Consumers)

End-Users are individuals and entities that use the services provided by Deobanks. They drive the economic velocity of the network through daily activity and are the ultimate beneficiaries of the ecosystem's value.

• Productive Spending: Users participate in Spending-as-Mining, where daily transactions increase their long-term mining power.

• Rewards from Multiple Sources: Users earn rewards from three primary sources:

  • Mining Rewards: Users earn $WFI through Cloud-Based Mining and ecosystem participation

  • Transaction Fee Redistribution: A portion of transaction fees from the network are redistributed to active users

  • Transaction Fee Token Buyback: A portion of transaction fees from the network are used to buy token from the market directly and through Energy

• Financial Sovereignty: Through Deobank interfaces, users maintain ultimate control over their assets while enjoying virtual and physical cards, asset transfers, global payments and credits. They retain self-custody while accessing traditional banking conveniences.

• Access to Services: Users benefit from a unified interface that combines fiat and crypto, access to credit based on behavior rather than paperwork, and a range of financial and intelligence services.

• Incentive Alignment: In the WeFi User Economy, users benefit directly from the growth of the network. Users earn $WFI, Energy and other Rewards through participation.

• Democratized Access: Anyone regardless of location or background can participate in the global financial system, accessing services previously unavailable to them.

Participant Interaction Map

Participant	Role	Provides to Ecosystem	Receives from Ecosystem
WeFi	Builders & Maintainers	Core infrastructure, protocols, token economics, governance	Network growth, adoption, protocol fees
Deobanks	Service Providers	Regulatory interfaces, liquidity, custody, compliance, analytics, credit	Network participation rewards, access to infrastructure
End-Users	Consumers	Transaction volume, capital, network activity	$WFI rewards (transaction fee redistribution + mining), sovereignty, zero-fee services, financial inclusion

How They Work Together

1. WeFi builds the infrastructure and maintains the network

2. Deobanks operate on the network, providing services and securing the chain

3. End-Users consume services, drive activity, and earn rewards

This three-layer structure creates a self-reinforcing cycle: better infrastructure attracts more Deobanks, more Deobanks provide better services to users, and more users create more demand for infrastructure improvements. The network effect benefits all participants.