Business Model

BM Finance Protocol operates a clear and sustainable profit model driven by service fees, borrowing interest, and staking yields. While delivering value to users, the protocol establishes a self-reinforcing commercial loop. Revenue grows in parallel with user adoption and transaction volume, enabling long-term value capture capabilities.

Core Revenue Sources

Revenue Source	Description	Revenue Characteristics
Fiat on/off ramp fees	Bidirectional transaction fees for fiat and crypto asset conversions	Scalable and stable
Lending Service Fees	Service fees for collateralized lending protocol	Stable and cost-covering
Interest Income from Lending	Interest sharing from protocol’s own liquidity or LP participation	Stable cash flow
On-Chain Collateral Yield Sharing	Proportional sharing of on-chain yield from user collateralized assets	Additional incremental income
Technology Service Revenue	API/Agent integration services and customized solutions	Expanding revenue streams

Advantages of the Profit Model

• Diversified Revenue Streams: Multiple income sources — including service fees, interest, and staking yields — enhance resilience across market cycles and ensure revenue stability.

• High Scalability: Protocol revenues scale proportionally with user growth and transaction volume, providing strong expansion potential.

• Global Adaptability: The system is designed to flexibly integrate with various fiat currencies and financial markets, enabling rapid cross-border deployment.

• Efficient Capital Utilization: Flexible asset allocation allows for compounded yield generation, improving overall capital efficiency and operational performance.