Nomis

DeFi lending aggregator that smartly connects mainstream borrowers with lenders.

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Problem

We build Nomis to crush two of the most significant barriers to entry and adoption of the DeFi lending industry: over-collateralization and lack of reputation-based terms. Today mainstream borrowers are either not using DeFi lending due to its unattractiveness compared to TradFi lending, or taking over-collateralized loans with unfair collateral, APR, and liquidation terms.

In other words, today's DeFi loans suck:

  • 125% collateral scares away mainstream borrowers from DeFi loans;
  • Collateral liquidation terms are tricky and make it even more unattractive;
  • There are no personalized terms even if a user has 'good' or 'fair' on-chain reputation.

Solution

Nomis is a DeFi lending aggregator that smartly connects mainstream borrowers with DeFi lenders and their offers. Nomis (1) scores on-chain activities of a potential borrower and (2) incentivizes DeFi lenders hiring scores to customize initial terms of their loan offers (collateral factor, APR, liquidation).

In other words, Nomis helps (1) mainstream borrowers and underserved population get access to capital, and (2) DeFi lenders get more clients by enabling them to adjust their business and risk models.

Why Now

DeFi is still a complex concept to grasp for people. We believe that Nomis, as an entry-point to DeFi for mainstream borrowers, will help to bring on mass adoption and unlock huge opportunities for all the sides

Market Size

Nomis and the whole industry have 560x growth opportunity.

Growth potential (as of 07/05/22): 560X = $8,681.5bln (CeFI lending global market, 2022 fcst) / $15.5bln (TVL in DeFi lending).

TAM (as of 07/05/22): $155MM = $15.5bln (TVL in DeFi lending) * 1% fee (business model assumption).

Competition

In contrast with competitors, Roci.Fi and Bird.Money, Nomis is an aggregator-solution that enables competition between DeFi lenders resulting in more attractive loan terms for borrowers. Moreover, we have strong technical capability: 15-year+ experience and 8 patents in AI & ML to build BIC credit score solution.

Business Model

Nomis could be monetized in different ways. For example, we could charge small fee from borrowers to provide them credit score, from DeFi lenders per every acquired client.

Team

Fedor

  • PhD in CS
  • Solidity & Rust developer
  • 8 patents’ holder (neural networks)
  • Ex. custom L1 blockchain solution

Alex

  • MSс in Mathematics and Economics
  • 5-year C-level experience
  • 15-year experience in neural networks
  • Ex. GoRecruit — employee scoring SaaS for HR

Arty

  • MSc in International Business Development
  • 4-year experience of PM/UI/UX in crypto
  • Ex. KickCity — web3 event dapp on Ethereum
  • TON Hackathon Awardee

Nick

  • Degree in CS
  • .NET developer
  • Active open source contributor
  • 5 times blockchain hackathons awardee
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