← Back to Comparisons
TRANSFORMATION MODEL

Start: Micro-Finance Institution

Traditional NGO

Legacy Economic Inclusion Model

Traditional model: Loan officers physically visit villages to collect cash repayments. High overhead leads to high interest rates (20%+) for the poorest borrowers.

Traditional Bottlenecks

  • ⚠High Administrative Overhead (up to 30%)
  • ✕Compliance is post-trade & reactive
  • ✕Assets trapped in siloed databases

The Utility Foundation

The Foundation Model

The TUF Model: "Trust Circles." Village members form an on-chain DAO. They vouch for each other's credit. Repayments are automated via mobile money. Overhead is near zero, dropping interest rates to <5%.

The Foundation Standard

  • ✓Real-Time Reporting: Audit-grade data, block by block.
  • ✓Automated Compliance: Rules enforced by smart contract code.
  • ✓Asset Fluidity: Tokenized for instant, global liquidity.

Performance Delta

TUF_PROTOCOL
LEGACY_NGO
Settlement Speed
+86% Improvement
98%
Audit Precision
+54% Improvement
99%
Operating Cost
+57% Improvement
92%
Resource Recovery
+75% Improvement
95%
// SOURCE: FOUNDATION_AUDIT_2025// ENCRYPTION: SHA-256_ACTIVE// STATUS: OPTIMIZED