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GAINS Associates

NAOS Finance — Telegram AMA — April 29

On Thursday, April 29, we had the pleasure to welcome to our Telegram chat:

Bob Chien, Head of Marketing & Community, and
Jeannice Tse, Head of Strategy & Portfolio.

We asked him questions about the development of NAOS Finance.

Some sentences have been slightly edited for readability but the meaning has been conserved.


NAOS Finance strives to unlock the possibilities of further DeFi innovations by bringing real-world assets on-chain(at scale) and to eliminate inefficiencies of traditional finance by decentralizing the decision-making process.

NAOS Finance facilitates DeFi lenders and SME borrowers to allow both parties to interact in a permission-less manner on the blockchain.

NAOS Finance focuses on tokenizing debt obligations like corporate loans, account receivables, warehouse receipts, and invoices. The project is exploring the opportunity to tokenize hard assets such as real estate, precious metals, equipment, and commodities.


Q — Ayeley Commodore-Mensah from GAINS: Tell us a bit about you. What did you do before crypto and did you have any other previous venture in crypto?

A — Jeannice: I’m Jeannice and I lead Strategy and Portfolio Management at NAOS. I worked in McKinsey and Citigroup among other companies, and I have an MBA from Chicago Booth. Currently, I’m in her paradigm shift to blockchain and crypto, given my more traditional finance background, and hopes to bridge the two worlds. But no, no previous venture in crypto.

A — Bob: Hi this is Doctor Bob, I’m the head of marketing and community to NAOS finance.

Before NAOS, I founded several companies and was working for Bayer and ThermoFisher those top global biotech giants so I’m very familiar with supply chain and commerce.

About NAOS Finance

Q — Ayeley Commodore-Mensah from GAINS: What is NAOS Finance about in a few simple sentences?

A — Bob: NAOS strives to unlock the possibilities of further DeFi innovations by bringing real-world assets on-chain(at scale) and to eliminate inefficiencies of traditional finance by decentralizing the decision-making process.

Q — Ayeley Commodore-Mensah from GAINS: Are these SMEs from a particular geographical area?

A — Bob: now we have SMEs in Latin America, Southeast Asia, Africa, and India as well.

Q — Ayeley Commodore-Mensah from GAINS: Are there any requirements for an SME that wants to sign on to the network?

A — Bob: good question. This is why we partner up with our fintech partner. WE apply A.I. based screening system to check all the credit scores and other factors to generate the white list. Not just that, we also apply bank-grade audits to the borrowers to protect our investors.

As for SMEs, as long as they are legit with good business, we will start the evaluating process immediately.

Q — Telegram user iffh sfnd: NAOS Finance has established a large network for small and medium enterprises (SME) for more than 2500 corporate clients. What characteristics are stated for these SME clients, and are there plans for the large one?

A — Jeannice from NOAS Finance: We are working mainly with SMEs and working with large corporates to a smaller extent. For example, we are working with a large supply chain financing company now. It is easy for large corporates to get traditional bank financing. For SMEs, financing is “make or break”, so we want to serve this group

Q — Ayeley Commodore-Mensah from GAINS: Which blockchain are you building on?

A — Bob: Now we are on ETH. In the future, we will have BSC and more.


Q — Ayeley Commodore-Mensah from GAINS: What is the token use case and how does it capture the value of the ecosystem you’re building?

A — Bob: NAOS Financial Token (“NAOS”) is a governance token with multiple uses to ensure the health and development of the network. From a high-level perspective, the token is designed to perform several key functions.

Governance: voting and deciding on matters such as the approval of asset shares, the setting of asset interest rates, the setting of the share repurchase mechanism, and the determination of the use of foundation funds.

Stakes: The project is currently researching and developing an innovative fixed investment model to create attractive yields for NAOS token holders.

Q — Telegram user 💐💗 NDee 💗💐: Where will $NAOS be listed first?

A — Jeannice from NOAS Finance: On Uniswap!

Competitive Advantage

Q — Ayeley Commodore-Mensah from GAINS: Which existing company, in blockchain or otherwise would you compare NAOS to, and what sets NAOS Finance apart from the competition?

A — Bob: There are admirable projects like Centrifuge and Persistence that have similar approaches. We salute them with full respect.

The biggest difference between NAOS and other projects is the real-world asset volume and how we do your compliance work. NAOS has financial licenses in 4 countries and can directly connect with traditional companies and borrowers off the chain. On the asset side, we have nearly 600M USD asset originated, making NAOS the largest RWA project on-chain project. In addition, the core team all have traditional finance and Internet finance backgrounds and can evaluate company assets and credit ratings based on their risk status, balance sheet status, and loan requests.

Q — Telegram user Femi Oyinloye: Can you tell me one unique feature that differentiates or separates NAOS from similar projects or let me say, competitors?

A — Jeannice from NOAS Finance: 1) We have many real-world assets already in place, so we cannot be beaten on scale and 2) we have licenses in 4 countries and getting more.


Q — Ayeley Commodore-Mensah from GAINS: Did you raise funds so far? If so, how did you handle them? Are you planning to do any future raises?

A — Bob: NAOS Finance has raised a private round of US$5.1m. We announced two of our strategic investors that shared our vision and passion in bridging TradFi and Defi yesterday, which is Capital and the founders of Bancor, and we have an IDO coming tomorrow, April 30th.

Business Development

Q — Ayeley Commodore-Mensah from GAINS: What stage is the NAOS Finance project at? And what should we look forward to in the coming months?

A — Bob: The NAOS team has already established a large network of over 2,500 small and medium enterprises (SME). This SME network provides immediate access to over $250 million, income-generating, real-world assets. On product, we are in audit and will launch our first staking pool shortly after the DEX listing. We plan to roll out phase one of the product in Q3, and then lending protocol integration in Q4. We hope to launch many of the key features of NAOS by the end of the year. We are in deep discussions with our ecosystem partners on partnerships to accelerate the onboarding of RWA on-chain.

Q — Telegram user ꧁ ᒍᑌᗩᑎ ᔕᗩᑎᗪOᐯᗩᒪ ꧂: In the chart of your global assets I could see that you focus mainly on the United States, Mexico, India, and Indonesia. But are you really a global platform? Are there no restrictions for some countries? and have you thought about expanding more into the Latin American and European communities?

A — Bob from NAOS Finance: We will definitely expand to the EU and LATAM. We will acquire more financial licenses to interface with SMEs in these regions.

It was a pleasure having you in our group today, and taking the time to answer all our questions. Anything else you’d like to say? Where can we follow you to stay updated? — Ayeley Commodore-Mensah from GAINS

Thanks for having us everyone!!!! — Jeannice from NOAS Finance

Thank you GAINS fam. Join our official NAOS communities on Telegram

Vietnamese | Thai | Chinese | Turkish | Korean | Spanish | Russian | Portuguese — Bob from NAOS Finance

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