LumiVault Business Model

🏗️ Core Concept

LumiVault fractionalizes legally registered gold mining rights — tied to over 80 tonnes of verified reserves — into 500 million tokenized units ($LVT). This converts hard-to-access real-world gold into programmable, yield-generating digital assets that can be used across DeFi.

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🌍 Target Markets

1. Retail Crypto Investors — seeking gold-backed yield alternatives

2. Institutional Funds & Family Offices — looking for compliant RWA exposure

3. Gold Maximalists — who want a bridge between bullion and blockchain

4. DeFi Users — interested in stakable, liquid real-world value

5. RWA Protocol Integrators — who can use $LVT for lending, collateralization, and cross-chain infrastructure

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🪙 $LVT Token Utility

1. Gold-Backed Exposure:

   • 1 $LVT = 1.6g of audited gold reserve (stored + verifiable via PoR)

   • Redeemable (with minimum threshold) for physical gold

2. Yield Through Staking:

   • Up to 16% APY through LumiStake

   • Tiered lock-in pools encourage long-term participation

3. Liquidity in DeFi:

   • Tradable across Arbitrum via Uniswap & Balancer pools

   • Cross-chain movement through LumiBridge (Arbitrum ↔ BSC ↔ ETH)

4. Governance:

   • $LVT holders will participate in future LumiDAO, voting on treasury allocations, redemption policies, and new asset integrations

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💸 Revenue Streams

Source	Description
Redemption Fees	Users pay a small fee to redeem physical gold, covering storage + logistics
Staking Margin Spread	Protocol sets a fixed yield; spread is earned from underlying capital allocations
LP Fees	Earnings from AMM pools seeded with $LVT liquidity
Bridge & Swap Fees	Micro-fees applied to token movement across chains
Treasury Management	Returns generated from treasury allocations in stable, low-risk DeFi protocols
Institutional Gold Rights Sales	Fractional institutional allocations sold off-chain to bring fiat liquidity in

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🔄 Token Flow & Circularity

1. User buys $LVT

2. Stakes $LVT → earns yield

3. Can redeem $LVT for gold (burn mechanism)

4. Redeemed tokens are removed from circulation → reduces supply → supports price

5. Treasury uses yield to refill staking pool → ensures sustainable reward cycle

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🏦 Sustainability Strategy

• Backed by Real Assets: Token value grounded in audited, real-world gold reserves

• Proof-of-Reserves Audits: Continuous oracle-based gold verification

• Deflationary Pressure: Redemption burns reduce supply over time

• Dynamic Reward Adjustments: Staking APYs adjust based on treasury performance

• DAO Treasury: Captures a % of protocol fees and grows ecosystem funding pool

• Cross-Chain Expansion: New integrations → more use cases → deeper liquidity

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📈 Long-Term Vision

LumiVault isn’t just a gold wrapper — it’s building the infrastructure layer for tokenized commodities in DeFi. Once $LVT is stabilized, the protocol can expand into:

• 🪨 Rare earth metals (tungsten, lithium)

• 🪙 Multi-asset vaults (LVT + ETH or BTC hedges)

• 🏛️ Institutional APIs for direct gold-backed onramps