Problems Addressed

In today’s financial landscape, the crypto world and the fiat world operate as two parallel but disconnected systems, separated by a significant value gap. BM Finance Protocol aims to serve as the value bridge between these two ecosystems, breaking down barriers and enabling seamless, frictionless value circulation across on-chain and off-chain markets. This promotes the deep integration of global asset markets while unlocking greater liquidity and growth potential for global assets.

Challenges When Transitioning from the Crypto World to Traditional Finance

• Missed Growth Opportunities When users sell crypto assets to obtain fiat liquidity, they often forgo potential future price appreciation, limiting the long-term growth potential of their holdings.

• High Costs and Complex Processes On/off-ramp processes are complicated and expensive. Converting between crypto assets and fiat currency typically incurs high transaction fees, which significantly erode user returns.

• Heavy Capital Gains Tax Burden In many jurisdictions, selling crypto assets triggers substantial capital gains taxes, in some cases as high as 50%, further compressing investment returns.

Challenges When Entering the Crypto World from Traditional Finance

• Limited Compliant Channels Fiat on-ramp options for individuals are scarce. Most regulated channels primarily serve institutional or high-net-worth clients, making it difficult for small and mid-sized investors to participate directly.

• High Entry Barriers and Complex User Experience

  Crypto financial products are often complex, requiring specialized technical skills and financial knowledge. The steep learning curve and operational complexity make it challenging for average users to enter and participate effectively.

• High Fees and Cumbersome Procedures Fiat on-ramp services frequently involve high fees, complex identity verification, compliance checks, and lengthy onboarding processes. Users often face significant service charges and hidden costs, resulting in a frustrating and inefficient experience.

BM Finance Protocol was created specifically to address these core pain points. Through technological innovation and optimized financial architecture, BM Finance Protocol eliminates the value barriers between the crypto and traditional financial worlds, enabling truly free value circulation, empowering users to take full control of their assets, and returning finance to its fundamental purpose.