Phlomis Finance: A New Platform for Resilient Investing in Real-World Assets
Hello World!
Welcome to Phlomis Finance where we are pioneering technology innovation to unleash market opportunity.
“Phlomis” derives from a Greek word for “flame” and likely refers to the leaves (it’s a species of plant) used in ancient times as lamp wicks. It’s a tough, resilient plant that can grow in difficult terrains. From our perspective, it represents our vision to build market infrastructure using Web3 principles and technology with a focus on assets that generate market-sustainable yields and positive impacts.
Phlomis Finance is also rooted in the idea that the future of markets is digital. Much like music and media, the format of the asset drives both value and distribution. For example, in 1982 Michael Jackson’s ”Thriller” became the biggest-selling album (remember those?) of all time exceeding more than 70 million purchases. 40 years later in 2022, Taylor Swift’s album “Tortured Poets” drew more than 1.76 billion streams — in one week!
Of course, Jackson’s Thriller was released 17 years before the first streaming service “Napster” (1999) began the revolutionary change in how music is consumed that we take for granted today. We aren’t making any musical judgments here, nor are we asserting that investment markets will evolve in the exact same direction as music has. But as Nicholas Negroponte, the founder of the MIT Media lab wrote “The more you digitize, the more you can dematerialize and democratize.” This isn’t much of a debate about this point with regard to financial markets. The lower costs of listing and trading on the NASDAQ versus the New York Stock Exchange (NYSE) is a prime example.
Resilient Investing: Built for the Long-Term
Phlomis Finance is committed to resilient investing, offering investment opportunities designed to thrive in any market environment. Whether we’re facing a bull market, a bear market, or times of uncertainty, our platform delivers access to low-volatility, high-yield investments in sectors poised for sustainable growth. We also define resilience in terms of the technology and protocols that underlie how institutions and individuals invest. We believe platforms that use digital currencies (like stablecoins), utilize digital signatures to validate identity, and provide fully on-chain investment life-cycle transparency better serve the needs of investors and increase asset value.
Phlomis is not an investment or credit manager. We are a technology platform that partners with leading globally recognized funds in Europe and Asia with deep market and asset expertise. By partnering with leading global funds, Phlomis unlocks tokenized assets that provide both financial returns and significant impact. From emerging markets to funds dedicated to climate change, we enable you to align your portfolio with the future you want to help shape.
A Word about Investing for Impact
We appreciate the skepticism that many crypto-native and Web3-oriented investors express about ESG (which refers to the United Nations global Environmental, Social, and Governance goals) investing. “Green washing” or misleading consumers regarding the environmental practices of a company or — in our case — the environmental benefits of a particular investment is a significant problem in the financial service industry. Some investors believe that risk-adjusted financial return should be the only metric for considering investments. Others believe that investing impact is a worthy objective but have serious reservations about the ability to accurately measure real impact. We also note that ESG is generally about avoiding negative effects of investments, whereas impact is about contributing to positive results.
We believe that Web3 technology and the crypto industry can and should contribute efforts to address climate change and global challenges like expanded access to savings and investment vehicles. In the US, 50% of households, or 65 million people own a mutual fund. According to the research firm Triple A, more than 6.8% or approximately 562 million people globally own some form of crypto. This number is more than 9x times the size of the US segment, the world’s largest investment market. The firm also reported that cryptocurrency owners aged 24–35 represent the highest percentage (34%) among all age groups. According to the investment firm Fidelity 60% of millennials (age 28–43) have impact investments. When we put these numbers together, we see a large market for impact-oriented crypto-fluent investors.
We think resilient investing can bridge the desire among the current and future set of investors for impact through offering investment products with market-competitive returns, reliable on-chain impact reporting, and smart contract and ledger technology to provide greater integrity to this class of investments.
The Power of Tokenization on Chromia
Phlomis Finance will record transactions on Chromia, a blockchain renowned for its advanced relational database capabilities. What does this mean for investors? Our goal is that every transaction, asset, and movement of funds is immutably recorded on-chain, ensuring unparalleled transparency and security.
Chromia’s Real World Asset Protocol (CWRA) offers an extensive suite of features that enhance Phlomis Finance’s ability to tokenize and manage real-world assets seamlessly. With CWRA, Phlomis offers fully tokenized, borderless assets that can be traded 24/7, providing investors with continuous liquidity and the flexibility to access their investments from anywhere in the world.
A key advantage of CWRA is its programmable compliance, which uses customizable logic to automate regulatory checks, ensuring that every transaction meets legal requirements while minimizing the need for manual oversight. Additionally, Chromia’s on-chain Filehub supports the on-chain storage of complex documents, including contracts, legal agreements, and asset prospectuses, making crucial information transparent, accessible, and tamper-proof. This simplifies asset management and provides investors with clearer insights into their holdings.
Phlomis also benefits from CWRA cost-efficiency, as the protocol manages functions like minting, transfers, and whitelisting without the need for intermediaries., which simplifies processes and minimizes costs. Additionally, Chromia’s gas-free structure means that these tasks can be executed without the transaction fees typically associated with other blockchains, further reducing the financial burden on investors. As a result, investors can retain more of their returns, making tokenized assets more accessible and profitable.
Security is another cornerstone of Phlomis. Every transaction is digitally recorded without settlement delays, creating an immutable, auditable ledger of all activities. Each transaction is cryptographically signed and timestamped, ensuring the integrity and authenticity of the data.
These combined features make CWRA a powerful tool for Phlomis Finance, allowing it to offer a secure, scalable, and cost-effective platform for tokenizing and managing real-world assets. This ensures that investors can engage confidently with a transparent, resilient, and efficient system that meets the demands of modern digital finance.
The Future is Phlomis
Phlomis Finance is more than just a wealth-building platform; it’s a gateway to the next frontier of finance — where decentralized technology meets real-world value. Here are some of the advantages that you will benefit from with Phlomis:
- First-Mover Advantage, Phlomis positions you at the forefront of this revolutionary shift.
- Institutional-Grade Funds Led by High-Quality Asset Managers: Invest in well-established, institutional-grade funds that offer stability and sustainable returns, bringing proven opportunities to the crypto space.
- Regulated Services Providers: Funds available on Phlomis use third-party qualified custodians, receive monthly NAV accounting from recognized fund administrators.
- Impact-Driven Opportunities: Invest in sectors that matter — from infrastructure development in emerging economies to projects combating climate change.
- Unmatched Transparency and Security: Each investment is fully auditable and securely managed on-chain, powered by Chromia’s robust blockchain.
- Resilient by Design: Access assets designed to withstand market volatility, offering stable returns and long-term growth potential.
The Journey Starts Here
While decentralized finance and real-world asset tokenization are still in their early stages, Phlomis Finance is at the helm, leading the charge into this exciting new era. We’re not just building a platform — we’re redefining how the world views ownership, access, and the future of finance.
