Policy Framework
Last updated
Last updated
The following provides a high-level overview of Umoja's policy framework:
Investors lack accessible, low-risk, high-yield, and liquid digital asset investment opportunities due to the complexity of managing crypto-native yield strategies and the absence of structured products that limit risk, achieve yield targets, and ensure security and compliance, creating a significant market gap in a rapidly growing digital asset sector optimally forecasted to reach USD $250 trillion by 2028.
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The global structured finance market was valued at approximately USD 1.72 trillion in 2022 and is projected to grow at a compound annual growth rate (CAGR) of 12.47%, reaching around USD $3.49 trillion by 2028. This impressive growth is driven by the increasing demand for diversified investment options, such as digital assets. Despite this, there are no mainstream, crypto-native structured products available, even though BTC and ETH ETFs saw multi-billion dollar net inflows within months of their launch.
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Umoja believes in an ethos of progressive governance. In Web3, the term "progressive governance" refers to a governance model that evolves and adapts over time, allowing a decentralized organization or protocol to improve decision-making processes and incorporate more community participation as it matures. Key aspects include:
Decentralization over time: Early governance may start with a core team or a small group, but as the project grows, more control is gradually given to the community through decentralized mechanisms like token-based voting.
Inclusive decision-making: Progressive governance aims to involve a broader set of stakeholders, encouraging diverse participation and ensuring that decisions reflect the interests of a wide range of users rather than just early adopters or founders.
Governance by iteration: Protocols or DAOs (decentralized autonomous organizations) using this ethos continuously refine their governance structures. They experiment with new mechanisms (e.g., quadratic voting, liquid democracy) and improve them based on feedback and outcomes.
Transparency and accountability: Progressive governance emphasizes open communication, ensuring all participants understand how decisions are made and can hold governing bodies accountable.
Evolution with technology and community needs: Governance systems are designed to adapt to technological advancements and the changing needs of the protocol or its community.
This approach contrasts with static governance models by embracing change and scalability, focusing on long-term decentralization and inclusivity.
The protocol's compliance policy evolves in parallel to that of the jurisdictions in which its end-users operate to ensure transparency, consumer safety, and regulatory due diligence. .