Canza Ecosystem

1. Ease Of Access

Financial inclusion in emerging markets faces significant barriers, including complex onboarding processes, limited digital literacy, and a lack of trust in traditional systems. Despite high mobile penetration rates, which often surpass 70% in regions like Sub-Saharan Africa, many underserved populations remain disconnected from formal financial services. Globally, approximately three out of four adults in rural areas are unbanked, and the World Bank projects that without transformative solutions, more than 1 billion people will still lack access to financial services by 2030.

Canza Finance addresses these challenges through innovative products designed to simplify access and bridge the inclusion gap. JaraNetwork, a stablecoin-powered OTC desk, enables seamless cross-border settlements with minimal documentation requirements. Its intuitive, mobile-friendly interface empowers users to conduct transactions with ease, even in low-resource environments. Backed by a robust licensing framework, JaraNetwork holds a Federal MSB License in the U.S. from FinCEN, a Bureau De Change license from Nigeria's Central Bank, and is pursuing three virtual asset licenses in Mauritius under PwC's advisory. With the OTC market projected to grow to $12 trillion globally by 2030, JaraNetwork’s capabilities position it as a key player in addressing financial inclusion challenges in emerging markets.

Complementing this, the Baki Agent Program expands financial accessibility through a network of local agents who facilitate onboarding and deliver financial education to underserved populations. Additionally, Canza’s tCha network—a stablecoin-centric blockchain built on Avalanche—provides scalable infrastructure for efficient stablecoin transactions, offering a reliable gateway to decentralized finance (DeFi) for the underbanked.

The Canza Token ($CNZA) plays a pivotal role in this ecosystem by incentivizing participation and facilitating liquidity for Canza’s on-chain activities. It enables users to unlock premium services, earn rewards through staking, and participate in governance for network improvements. The global stablecoin market, predicted to surpass $4 trillion in annual transactions by 2028, underscores the relevance of Canza’s solutions in driving financial inclusion. Together, these products deliver comprehensive solutions to enhance financial inclusion across emerging markets.

2. FX Liquidity

Emerging market currencies face persistent liquidity challenges. Inflated exchange costs exceed 8% per transaction in certain regions, and currency shortages drive reliance on informal markets. Such inefficiencies create significant barriers to economic mobility and cross-border trade, which, according to the WTO, is expected to grow by 70% by 2030 in developing economies. Currency depreciation rates, which exceed 15% annually in Sub-Saharan Africa, further highlight the urgent need for stable FX solutions.

Canza Finance tackles these challenges through innovative solutions designed to provide FX liquidity and stability. Baki Exchange, a decentralized FX protocol, offers infinite liquidity at official exchange rates, eliminating volatility risks and enabling seamless transactions across borders. To date, Baki Exchange has achieved $9.4K in global collateral, a $5.4K zToken market cap, $1.1M in trading volume, and $4.6K in trading fees, showcasing its growing market traction. Enhancing this infrastructure, Canza’s upcoming tCha Subnet—set to launch in Q1 2025—will facilitate stablecoin transactions, reducing liquidity gaps and improving transaction efficiency in global markets.

The Canza Token ($CNZA) underpins these solutions by providing liquidity for trading pairs and enabling users to earn rewards from trading fees. As the stablecoin market experiences 20% annual growth, $CNZA ensures seamless operations within the FX ecosystem and incentivizes adoption across Canza’s platforms. Together, these products empower businesses and individuals to navigate FX challenges confidently, driving greater economic stability and mobility.

3. Real-World Asset Integration

Access to real-world assets (RWAs) remains severely restricted in emerging markets, where less than 10% of the population has access to traditional investment opportunities such as real estate and infrastructure. This limitation stifles wealth generation, capital flow, and broader economic development. Additionally, the World Bank estimates that $3 trillion in real assets, including housing and land, remain underutilized in Sub-Saharan Africa alone. The global market for tokenized real-world assets is projected to exceed $16 trillion by 2030, highlighting the potential for growth in this sector.

Canza Finance bridges the gap between traditional finance and DeFi by democratizing investment opportunities through tokenized RWAs. The RWA Marketplace, currently in its MVP phase, enables users to invest in tokenized assets such as real estate and commodities, opening access to high-value, traditionally illiquid markets. By integrating RWAs into its ecosystem, Canza empowers individuals and businesses to diversify their portfolios through secure, transparent, and efficient blockchain solutions.

Further enhancing its RWA offerings is CXDS (Centralized Exchange Default Swaps), an innovative product that acts as a safeguard for assets. CXDS enables users to create credit default swaps (CDS) for deposits held in centralized exchanges, providing a critical layer of protection for funds. This is particularly important in light of the $10 billion in user losses incurred from centralized exchange failures such as Mt. Gox, FTX, and QuadrigaCX over the past decade. The Canza Token ($CNZA) integrates into this system by acting as a medium for purchasing and staking CDS contracts, ensuring the liquidity needed to sustain this vital market. Additionally, $CNZA aligns incentives for participants, allowing sellers of CDS contracts to earn yields while securing deposits for buyers. By fostering trust and providing opportunities for users to secure their assets, CXDS highlights Canza’s commitment to a robust financial ecosystem.