Paycer and the amazing promise of decentralized finance (DeFi)

Decentralized finance, also known as DeFi, has been one of the hottest topics in crypto since 2020. It is a global peer-to-peer system of storing and transferring assets without the structure, restrictions and costs of traditional centralized banking systems. DeFi has been providing ways for investors to increase their yields two and three times over and it is for this reason, more and more investors are getting into this space. DeFi consists of a variety of available financial applications on the blockchain and in the cryptosphere and removes the intermediaries between parties in a financial transaction.


Even though DeFi is still in its youth in the industry, it is attracting plenty of attention from investors and crypto-enthusiasts alike. From synthetic assets, to NFTs or tokenized stocks and decentralized stablecoins, Defi is proving to be a veritable powerhouse. Considering some functions of DeFi require a user to trade digital assets with a platform that they may not wish to use, users now even have the ability to use “wrapped assets”, enabling them to, for example, wrap Bitcoin to be compatible with the Ethereum network. This allows Bitcoin to be ERC20 compatible backed with a 1:1 value. This is just an example of the sheer flexibility and potential of the DeFi Network.


Today, many people are losing their wealth because they do not have the knowledge or the will to invest their money properly. Not long ago, it was possible to get around 5% or more interest on personal savings from a bank. Times have changed, and there is a great deal of money stored in bank accounts without earning interest and even costing additional fees. In Germany, most banks have begun to charge a penalty interest of 0.5% per year for deposits above 50k EUR. The investor does not earn any return on capital; they lose part of the value to inflation and still have to pay a fee to the bank. Still, relatively few people have invested in cryptocurrencies, and even fewer have invested in DeFi or know of its existence. Entering the crypto market has become much easier in recent years, but this also leads to situations in which inexperienced users can easily lose their money. The DeFi market is changing and adapting quickly, and it is quite difficult for inexperienced users to enter it. For the majority of people, dealing with new technologies is a significant challenge anyway. Third parties are still needed to provide support and an additional security layer, especially for novice users. The future of finance is here and Paycer is making it simple.

Paycer will offer a financial service allowing anyone to earn a passive income. Therefore, there are two main components: the Paycer protocol and the Paycer Platform. The Paycer protocol is a mostly smart-contract-based protocol that aggregates DeFi protocols cross-chain to create new investment products. Experienced crypto users can interact directly with the Paycer protocol to receive high and stable interest rates. However, the main purpose of the Paycer product remains to provide high interest rates to inexperienced mainstream users. The Paycer platform will offer simple user interfaces and processes that hide all the DeFi complexity. This should allow everyone to generate a passive income in the DeFi domain. The starting point in using the Paycer platform is fiat money; which will lower the barriers for new investors.


The Paycer protocol and platform, developed in Germany, will be fully regulated. Behind Paycer stands a strong team with many years of IT and blockchain experience, and they have already successfully completed many IT projects. The Paycer team has the drive, commitment, and expertise to make the Paycer project a success story. In addition, Paycer will offer a product that can help restore equity and financial independence. The Paycer platform will enable regular citizens to generate passive income and increase their wealth in the long run. Interest-free money deposited in banks is a large market that Paycer will address, and therefore Paycer has a tremendous growth potential. The Paycer team plans to build a successful long-term business providing smart blockchain-based financial products to mainstream end customers. The products offered will be continuously developed and will utilize current state-of-the-art DeFi and blockchain technology. Paycer’s PCR token provides various functions and benefits within the Paycer platform. These benefits — loyalty tiers, voting rights, staking rewards, token buyback, and platform incentives — will help to build a functioning and thriving Paycer token economy. According to Gartner’s current hype cycle for blockchain, DeFi is at the peak of its trend and will take another two-to-five years to reach true market maturity. Gartner describes CeDeFi as another important emerging innovation and predicts huge potential. This is because DeFi products are not easy to use; they lack regulation and legal security as well as customer support. The majority of centralized organizations, including legacy banks, do not understand the technology and processes behind blockchain-based DeFi and decentralized applications. According to Gartner, CeDeFi platforms can therefore create significant added value by combining the best of the old financial system (TradFi) with DeFi to develop new, regulated financial services. Paycer will position itself precisely in this emerging CeDeFi field and will thus be able to serve this emerging trend early on, thereby possibly gaining a strong position in the market.


In the future, Paycer would like to offer additional products and services that make it even easier for customers to integrate Paycer into their daily lives. This includes offering a credit or a bank card with which the money stored at Paycer can be accessed without any additional barriers. Paycer’s roadmap for future products also includes the implementation of its own stablecoin, special crypto portfolios, and eventually the development of its own blockchain. The Paycer team will not take a break when the platform and the Paycer protocol are live and will continue to implement many more products and services. In addition, Paycer will monitor new market trends and, if applicable, incorporate them into its own products. In particular, the subject of AI in combination with DeFi and blockchain is considered an essential strategic area for future Paycer products. Paycer will work assiduously to get its own finance licenses.

Paycer: Bridging the gap between traditional and decentralized finance.

About Paycer

The Paycer Protocol will provide cross-chain operability and aggregate selected DeFi products from different blockchains. The Paycer Platform will combine the Paycer Protocol with traditional financial services (TradFi) like a bank account and a debit card. Users only need to make a fiat money deposit on the Paycer platform to get started, no interaction with cryptocurrencies or DeFi is required. Paycer will then automatically place the deposit in selected DeFi products, providing a high and constant interest rate as a passive income.

DLDR: Paycer’s mission is to make DeFi available for retail clients to enable mass adoption.

Be sure to follow Paycer on social media for all the latest updates on product development. We have further exciting announcements to share very soon.

Stay in touch with Paycer:
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