High risk, high return?
ZAMICA offers a different approach
Irrespective of gold price fluctuations, the ZAMIC platform ecosystem has been designed to create steady profits while reducing the risk of principal loss.
The ZAMICA ecosystem offers stable income through staking rewards and monthly interest from safe, collateralized loans. It is designed to reduce risk during market fluctuations, especially changes in gold prices.
Proceeds from ZAM and ZAMIC sales are used to acquire gold certificates or to increase balances in gold-linked bank accounts, as well as to fund the lending business. These gold holdings back ZAM, and interest from the lending is distributed to ZAM holders.
| Token Symbol |  |
 |
|---|---|---|
| Token Name | ZAMICAA TOKEN | ZAMICA Digi-Gold |
| Token Ticker | ZAMIC | ZAM |
| Token Standard | ERC-20 (BASE NETWORK) | ERC-20 (BASE NETWORK) |
| Decimals | 18 | 18 |
| Total Supply | 5 Billion tokens | – |
- ZAMIC token sales: Proceeds are used to buy gold certificates or increase balances in gold-linked bank accounts, as well as to fund MFI lending.
- ZAM token sales: ZAM tokens are issued strictly based on the amount of gold purchased; 100% of the proceeds from ZAM token sales go to the lending pool.
- Interest income: A specified percentage is paid monthly to gold-token depositors; the remainder covers operations and expands the lending capital.
- Growth effect: As lending capital and interest grow, a smaller share of ZAMIC token sale proceeds is needed for operations, and a larger share goes to gold purchases and the lending pool.
ZAMIC holders may offer P2P loans on the platform to earn extra income.
- ZAMIC holders can provide P2P loans to users who collateralize their ZAM tokens. The collateral ratios and interest rates are determined by the lenders.
- If a borrower defaults, the ZAMICA platform liquidates the ZAM collateral to repay the loan and protect lenders.
- ZAM holders can borrow USDT against their ZAM to improve short-term liquidity without liquidating their gold positions.
ECOSYSTEM KEY MAP
How ZAMIC is used by ZAMICA to grow its USDT assets.
Revenue from ZAMIC sales is used not only to acquire gold but also to support an array of income-generating initiatives.
To fund ZAM deposit rewards, ZAM buybacks, and USDT loan reserves, ZAMICA uses the interest accrued from lending to traditional financial institutions.
Deposit ZAM and see your rewards grow each month!
Users who deposit ZAM on ZAMICA earn a monthly reward, the calculation of which is based on the gold value at the time the deposit is made.
ZAM deposits can be stopped at any time. At the request of the depositor, the accumulated USDT and deposited ZAM are instantaneously transferred to their wallet.
Lending #1: Lend and maximize your USDT rewards
Users who deposit the requisite amount of ZAMIC on ZAMICA can become lenders and earn interest via USDT lending.
Lending #2: How ZAM is liquidated in the event of default
In the event of default, the pledged ZAM is liquidated by the smart contract at the current gold price, the outstanding principal, interest, and any late penalties are deducted, and the remaining balance is returned to the borrower in USDT.
Lending #3: How ZAMICA determines the Loan-to-Value ratio and interest rate
Standard practice dictates that loan amounts are set below the assessed value of the collateral. However, on ZAMICA, lenders are afforded the flexibility to set both the collateral ratio and interest rate.
Lenders also have the freedom to choose their preferred method for paying interest, be this monthly installments or prepayment arrangements.
Based on their preferred loan terms, borrowers can select a lender from the list.
ZAMIC ESG Pool #1: Make a difference by transforming your ZAMIC into a force for good
To support students in need, empower women, and improve the livelihoods of small-scale farmers, ZAMICA runs a dedicated ZAMIC Pool.
The funds created by donors purchasing ZAMIC through this pool are used to provide interest-free loans for those in financial need.
ZAMIC ESG Pool #2: ZAMIC purchased by donors remains their own
In place of direct donations, the USDT employed to purchase ZAMIC from the ESG Pool is used to fund interest-free loans.
ZAMIC purchased by the donor is locked for one year, after which it is released in 12 monthly installments, enabling it to be traded freely by the donor.
ZAMIC ESG Pool #3: A one-time purchase alone can have an enduring impact
The USDT donors contribute through ZAMIC purchases is used to establish a zero-interest microfinance fund which provides support for institutions lending to students, women seeking financial independence, and impoverished farmers.
When the principal is repaid to ZAMICA by these institutions, ZAMICA uses these funds to repurchase ZAMIC from the exchange.
Upon completion of this cycle, the repurchased ZAMIC is made available to new donors who wish to contribute by reallocating it to the ESG Pool.
