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WHITE PAPER

Relmn White Paper

Connecting Relationships, Money, and Networks for Global Financial Inclusion

Table of Contents

1. Introduction
2. Vision & Mission
3. Problem Statement
4. The Relmn Solution
5. Relmn Product Modules
5.1 Relmn Bridge (RWA + Payments)
5.2 Relmn Credit (DeFi Lending)
5.3 Relmn Space (DePIN + Satellite)
6. Technical Architecture
7. Market Opportunity
8. Tokenomics: The $RELMN Token
9. Security & Compliance
10. Roadmap & Milestones
11. Team & Advisors
12. Conclusion

1. Introduction

Relmn is a decentralized super app built on the Creditcoin blockchain, designed to power real-world financial inclusion by interconnecting relationships, money, and decentralized networks. Relmn tackles the global challenge of fragmented financial services, lack of credit access, and infrastructure gaps to unlock value for underserved individuals and businesses worldwide.

2. Vision & Mission

Vision

To become the world's leading super app empowering billions worldwide to participate fully in the decentralized economy through seamless access to asset tokenization, inclusive lending, and decentralized infrastructure.

Mission

To build a unified platform that integrates real-world asset tokenization, decentralized finance, and satellite infrastructure that delivers trust, accessibility, and prosperity to emerging economies and beyond.

3. Problem Statement

Fragmented Financial Ecosystem

Current financial services remain siloed, leaving small businesses, remote workers, and communities disenfranchised with poor or no credit access and slow, costly cross-border payments.

Infrastructure Barriers

Rural and remote regions often lack reliable internet and connectivity, hindering digital financial inclusion and economic growth.

Credit Exclusion

More than 1.7 billion people remain unbanked or underbanked due to a lack of formal credit history, blocking access to even basic financial products.

4. The Relmn Solution

Relmn's unified platform integrates three core pillars: real-world asset tokenization (RWA), decentralized finance lending (DeFi), and decentralized physical infrastructure (DePIN). By leveraging blockchain technology and Creditcoin's unique credit-scoring ecosystem, Relmn delivers:

Trust
Verifiable on-chain histories build credit profiles
Accessibility
Mobile-first design for emerging markets
Interoperability
Shared credit and liquidity across modules
Scalability
Infrastructure to onboard millions of users

5. Relmn Product Modules

5.1 Relmn Bridge (RWA + Payments)

  • • Tokenizes invoices, receivables, and assets as tradable tokens
  • • Enables near-instant stablecoin-based cross-border payments
  • • AI-powered credit scoring improves financing terms and speeds

5.2 Relmn Credit (DeFi Lending)

  • • Under-collateralized loans leveraging Creditcoin credit scores
  • • Community-backed liquidity pools reduce risks and costs
  • • Peer endorsements foster trust for new borrowers

5.3 Relmn Space (DePIN + Satellite)

  • • Tokenizes satellite bandwidth and ground station capacity
  • • Facilitates financing for infrastructure to improve connectivity
  • • Builds credit history through infrastructure usage and payments

6. Technical Architecture

Relmn operates on the Creditcoin blockchain using EVM-compatible smart contracts. Key architectural components include:

Universal Credit Score
Aggregates transaction, repayment, and infrastructure usage data
Multi-Asset Wallet
Manages native tokens, stablecoins, and asset-backed tokens
Decentralized Governance
DAO mechanisms enable community-led protocol upgrades
Oracles & AI
For external data feeding and credit risk evaluations
Mobile SDK & APIs
Facilitate easy integration and user accessibility

7. Market Opportunity

Cross-border Payments & Remittances
$179 trillion
annual market volume
DeFi Lending
$50+ billion
total value locked with rapid growth
Satellite & Infrastructure
$400 billion
expanding connectivity market
Underbanked Populations
1.7 billion
with unmet credit needs

Relmn targets SME financing, migrant remittances, rural connectivity, and space infrastructure funding as primary use cases.

8. Tokenomics: The $RELMN Token

Utility

  • • Governance voting rights for protocol changes
  • • Payment of transaction and platform fees with discounts
  • • Staking rewards via liquidity provision and lending participation
  • • Access to premium platform features

Distribution

Team & Advisors (vested)20%
Community & Users40%
Ecosystem Development25%
Treasury & Reserves15%

9. Security & Compliance

Relmn emphasizes security through regular smart contract audits, decentralized identities for privacy, and KYC/AML layered compliance integrated seamlessly with Creditcoin's infrastructure to comply with global regulations.

10. Roadmap & Milestones

Q4 2025
Hackathon MVP launch, global demo day presentation
Q1 2026
Pilot launch in Korea-Vietnam corridor
Q2 2026
Beta release with core modules fully integrated
Q3 2026
Onboard first 50,000 users, start community governance
Q4 2026
Strategic partnerships in Latin America and Africa
2027
Global scale with multi-chain support and advanced AI credit scoring

11. Team & Advisors

Java Jay Bartolome – Founder & CEO

Blockchain and fintech expert with extensive experience in digital banking and emerging markets.

Core team includes blockchain developers, product strategists, AI experts, and business development professionals located across Asia and Singapore.

12. Conclusion

Relmn ushers in a new era of financial inclusion and connectivity by bridging the digital divide with technology that connects relationships, finances, and physical networks. Our platform empowers individuals and businesses worldwide with trust, access, and opportunity—leveraging the power of blockchain and community-driven governance to unlock a decentralized financial future.

Join us at relmn.com and be part of the global financial revolution.

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