The Divi Ecosystem: A decentralized financial platform

Adam Robertson • February 27, 2021

The crypto world has vastly grown over the past few years, both in value and number of assets. At the time of writing, coinmarketcap tracks over 8,500 cryptocurrencies, and the total crypto market capitalization exceeds $1.5 trillion. 



The crypto-sphere is growing rapidly. Somewhere along the way, the user experience was forgotten. These days, entering the crypto space requires the user to navigate several applications. They need a wallet to store the private keys and a crypto exchange platform, and a way to buy crypto with their fiat currency. The complexity of the processes makes it difficult for anyone to enter the market, even experienced traders. 

These complexities lead to increased user error, with the loss of cryptocurrencies far too common. Beyond that, the current process is cumbersome and unattractive to most.

Cryptocurrency is a revolutionary technology, but without paying attention to the user, its ability to change our financial institutions is weakened. The Divi Project seeks to change this by creating a payment platform that puts users front and center. 

The Divi Ecosystem

The Divi ecosystem is a payment platform laser-focused on the user experience. Its main aim is to create a consolidated network of financial services that provides frictionless payments. By focusing on the user and providing an easy, cheap, fast, and secure way to transfer funds, The Divi Project ensures that everyone can participate in this more equitable financial system. 


The Divi Blockchain

The Divi Ecosystem relies upon its novel blockchain to create a secure environment for its users. There are a few ways in which Divi’s blockchain supports their ‘crypto made easy’ mission. 

  • Humanized protocol - The blockchain focuses on using addresses easily identifiable with humans. For instance, it uses the username, email address, and personal photo as part of the account's details and metadata instead of a long string of text. 
  • Efficiency- Duplication in the blockchain is a serious issue leading to blockchain bloat and reduced network speed. However, the Divi blockchain avoids duplication by leveraging the milestone system, where a milestone has to be hit for another event to start. This leads to a faster blockchain and faster transactions. 
  • Security- The blockchain is an immutable ledger and fosters complete transparency. Immutability, consensus, and transparency help maintain a secure network for all users. 
  • Interoperability- The Divi blockchain is interoperable with other applications and protocols. This interoperability will make it easy for users to connect with different platforms in the future. 
  • Divi Nodes- The blockchain uses the MOCCI (masternode one-click cloud install). This allows anyone to run a masternode with zero technical knowledge. These mastenodes help in the validation and verification of transactions, thus securing the entire Divi network. Making this process easy for all is a big part of Divi’s mission. 


The Divi Coin

Divi is its own unique coin, with the genesis block launching on September 27, 2018. These coins are minted using a proof of stake consensus mechanism. There are currently 2,163,540,048 Divi in circulation. However, the platform has not set a maximum number of coins for platform. The Divi Project understands that a managed inflationary model leads to greater price stability, which aids adoption. 


The Divi Wallet

The Divi coin can currently be stored in a desktop wallet. However, with the mobile wallet currently in beta testing, users will soon have an exciting new way to interact with Divi. The Divi Wallet is everything you’d expect from a financial application but is powered by blockchain technology. 


Storing Coins: Divi provides a decentralized option for storing your crypto assets' private keys. Using this platform, you don't have to keep your assets in other unsafe wallets and custodial solutions.

Earn with Divi Wallet: The wallet provides income-earning opportunities in return for securing the network. Stakers and Divi Nodes help secure the network and earn Divi for doing so. Proof of stake consensus relies on the users working together to ensure the blockchain remains healthy. 

Exchange: The exchange of currencies within the Divi Wallet is simple. Users will be able to store and exchange both Fiat and Crypto within the wallet. There will be no need for centralized exchanges or third-party solutions. 

Track Your Performance: The Divi wallet will show balances and rewards earned, all on one user-friendly dashboard.

Divi Debit Card: The Divi Wallet will bridge the gap between crypto and the real world with the Divi Debit card. Soon, you will be able to pay for goods and services with your crypto. Anytime, anywhere!


Staking in Divi

Staking involves the validation of transactions by the network users, who earn rewards for doing so. In a process known as proof of stake consensus, the wallets check the transactions to verify the source and authenticity. Often a required number of wallets must agree that a transaction is valid. This is often a 50% +1 wallet. When this happens, the consensus has been reached, the transaction is completed, and a new block is created. 


Using the Divi wallet app, a user can easily stake and earn an income to secure the network. Currently, the minimum number of coins required to start staking in the Divi network is 10,000 $Divi. A wallet with an even higher amount of coins stands to earn even greater rewards. The current APR is 27.8%. 


The Divi Lottery

Unique to cryptocurrency is the Divi Project’s weekly lottery. When a block is created, 50 coins are allocated to the lottery fund, and when the number of blocks reaches 10,080, the lottery cycle completes. Every week over 500,000 $Divi assets are distributed to 11 users of the lottery section. 252,000 Divi is awarded to one winner, and the other ten winners receive 25,200 Divi. 


Masternodes Tiers

There are five different tiers for running masternodes on the Divi platform. Here are the tiers;

  • Copper Tier- This option requires a minimum of 100k DIVI at a monthly hosting cost of $10. The return on investment for Copper tier users is 20.7%.
  • Silver-tier- The silver tier requires a minimum of 300,000 Divi. Its monthly hosting cost is $10, and the expected ROI is 22.6%.
  • Gold tier- The gold tier requires a minimum of 1 million DIVI, at 23.6% ROI. 
  • Platinum tier- this tier requires a minimum of 3 million DIVI for $15 monthly. The estimated ROI is 24.7%. 
  • Diamond tier- This is by far the highest rewarding tier in the Divi platform. A user is required to have at least 10 million DIVI.


Divi Labs 

The Divi Project is focused on providing solutions and increasing its user base. The founders created Divi Labs to develop Divi ecosystem internal tools, such as the Divi Wallet. The Divi Project remains open-source and not-for-profit. Divi Labs, however, is the private for-profit organization associated with the project. 


RiDivi

Divi Labs owns a Costa Rican remittance company. The benefits that RiDivi brings to the ecosystem include;

  • The creation of debit cards for users
  • IBAN accounts for all its users
  • Easy fiat wire transfers globally
  • Easy one-click crypto to fiat exchanges.

The purchase of this financial technology allows Divi better bridge the gap between traditional finance and cryptocurrency. 


Final Word

Cryptocurrencies are complicated to use in their current form. Divi is here to make the process as easy as possible whilst maintaining security and decentralization. By providing a world-class, decentralized, easy-to-use crypto payment platform, Divi seeks to change the way people use their currencies. With the imminent release of their mobile wallet, the future is bright for the Divi Project.


Disclaimer: This is not trading or investment advice. The above article is for entertainment and education purposes only. None of the content on Crypto Folds is investment advice nor is it a replacement for advice from a certified financial planner. Please do your own research before purchasing or investing into any cryptocurrency.  
By Press Release April 17, 2025
The launch of Echo Exchange introduces not just a new trading venue but a broader architecture for digital asset management. The project combines yield generation, community governance, and structured custody into a unified ecosystem.  As part of this infrastructure, Echo brings forward a solution designed to address one of the industry’s most persistent challenges: asset security in uncertain jurisdictions. Echo is backed by its legal designation as a Virtual Asset Service Provider under the Isle of Man’s regulatory regime. The ecosystem integrates a Protected Cell Company (PCC) structure called Echo Elite. This is an optional but pivotal component for users seeking structured digital asset custody tied to enforceable legal protections. What Echo Is Announcing As of May 2025, the Echo Exchange will be live. This launch will include: EchoX, a centralized exchange focused on accessibility and onboarding Echo’s real-yield model, distributing platform fees to token holders in USDC The initial release of Echo Elite, a PCC-based framework for asset custody The public sale of the ECHO Token, the ecosystem’s native governance and yield-bearing asset While many exchanges emphasize front-end interfaces or token incentives, the Echo’s strategy is different. The announcement centers on the full-stack design of its ecosystem - particularly how legal infrastructure underpins user protections. Introducing Echo Elite: Structured Custody Echo Elite is Echo’s most compliance-centric module. It introduces Protected Cell structures, a mechanism traditionally used in finance to isolate client assets legally and operationally. Within the Echo ecosystem, user accounts can opt into a custody model that offers greater legal clarity and jurisdictional insulation. PCCs enable the separation of Echo’s own operating capital from user funds. This becomes increasingly important as tokenized asset classes enter the platform’s offerings in later phases. This also applies to real-world asset (RWA) representations like stocks or real estate. The approach reflects a broader theme: Echo’s attempt to bridge blockchain functionality with traditional financial safeguards. Real Yield and Exchange Fee Sharing Security is only one part of Echo’s user-facing model. The ECHO Token acts as the backbone of a real-yield mechanism, wherein: 50% of all trading fees from both EchoX and Echo Pro are distributed daily to token holders in USDC. 10% of platform revenue on a daily basis will be used for buying and burning ECHO tokens. The strategy aims to gradually decrease circulating supply. This model will be non-inflationary. There will be no staking rewards of synthetics or emission of tokens. Yield will be linked straight to the platform's actual usage. This feature will make the yield more predictable and sustainable than most incentive designs in the digital asset ecosystem. Participation is simple: users activate yield by transferring tokens into a dedicated savings account inside their Echo dashboard. Funds remain liquid and accessible. The Token Structure Echo’s tokenomics are deliberately conservative. Key figures include: Total supply: 1 billion ECHO Burn target: 500 million (deflation ends at this point) Public sale allocation: 2% Community Foundation: 30% (non-transferable and permanently locked) Team allocation: 20% (long vesting schedule) Liquidity allocation: 15% Remaining tokens divided across marketing, seed investors, and gamified whitelist initiatives Importantly, the Community Foundation - which holds the largest share - operates under a binding legal obligation to never sell its tokens. Rather, it only exists on yield, which gets invested in governance-sanctioned ecologics like education, collaborations, and product development. The design intends to discourage speculation as a first point. Also, it aims to encourage long-term alignment between platform success and the fate of the token holders. A Platform Built for Traders Echo’s design consists of two interfaces: EchoX, a consumer-friendly exchange, focuses on simplicity, pair trading using stablecoins, and seamless execution. It addresses first-time users and inexperienced traders not interested in complicated trading schemes. Echo Pro, launching in Phase 2 (Q3 2025), provides advanced features for trading: charting tools, stop-loss, leverage, and API connectivity for institutional and power users. Both sites, in spite of their varying user interfaces and user bases, share a common Scala-based matching platform. This tech is optimized for concurrency, throughput, and speed. They also share backend infrastructure written in Go, with front-end deployment via Next.js for a responsive and consistent user experience. The Technology Behind the Custody Security isn’t limited to user-facing features. Echo’s wallet architecture employs: Multi-Party Computation (MPC): for distributing key control among several parties Tiered wallet models: hot, warm, and cold storage Hardware wallet compatibility Biometric access and passkey authentication AML/KYC procedures are managed by Amazon Cognito, which simplifies user identity verification. The goal is to maintain high compliance standards without degrading onboarding speed. In fact, the latter is a known bottleneck in exchanges that rely on manual reviews. Together, these systems support Echo’s goal of creating an ecosystem where users can interact securely without compromising on usability. Governance and Jurisdiction Governance within Echo relies on both ownership of the tokens and clear jurisdictions. Token holders are able to: Voting on how funds are spent in the Community Foundation. Develop and rank new product features. Approve partnerships and listings of tokens through a formal proposal procedure. But what distinguishes Echo from other projects is that it relies on legal entities to enforce these institutions. It doesn't utilize symbolic DAOs for governance or soft consensus. Rather, decisions, particularly those regarding funding of the ecosystem, are carried out by a foundation. This entity possesses a well-defined charter and binding fiduciary responsibilities. The approach emphasizes establishing trust with those who are not willing to engage with DAO-based systems that lack enforceability. Echo’s Roadmap Rollout for Echo is phased deliberately to maintain product stability: Phase 1 (May 2025): During this phase, there will be the EchoX launch, the ECHO token ICO, and the soft launch of Echo Elite. Phase 2 (Q3, 2025): Following this, there will be efforts to accomplish the full Echo Pro launch. We must include mention of trading bot implementation, community governance platform, and IEO launch. Phase 3 (2026): Derivatives trading, social trading, inclusion of real-world assets, tokenized mutual products, and securities Phase 4 (2027): Full RWA brokerage capabilities, integrated neobank products, and payment rails. All the phases leverage the preceding one by adding platform sophistication. Bottom Line Echo’s product lineup combines high-frequency trading, user real yield, and solutions that take jurisdictions into account. Echo sees itself as a platform where economic incentives and legal architecture converge. With its rollout, Echo joins a small group of initiatives that are geared towards developing new tools for trading. The team is focused on reconsidering the function of regulation and structure in crypto asset custodianship. The project’s official website is a good source of information to learn more about Echo and its growing ecosystem. You can follow the team on the social media pages if you wish to follow Echo’s development: X (Twitter) | Telegram | Discord .
By Press Release April 15, 2025
Echo , a groundbreaking centralized cryptocurrency exchange, has announced that it will officially launch globally on May 15, 2025. The much-expected event is set to be a pivotal occasion for digital asset trading as Echo aims to establish a new industry standard. The community-centric platform promises a seamless user experience, institutional-grade security, and an ecosystem-driven approach.  On the same date of the launch, Echo will conduct a public sale of its native ECHO token, with 2% of the total token supply available exclusively through the platform. The proceeds should boost the project’s development following successful early funding rounds that already secured $2.5 million in support from strategic investors. Echo stands out from other centralized crypto exchanges through its ecosystem-focused model. More precisely, it is designed to thrive on users' participation, who, in turn, benefit directly from the platform's growth and activity. The exchange proposes a transparent and intuitive environment for retail and professional traders to navigate safely and efficiently. Sam Dorrer, Chief Executive Officer at Echo, commented on Echo’s community-driven approach: "Our mission is to create a cryptocurrency exchange that truly prioritizes its users. Echo is designed to be more than just a trading platform—it’s a dynamic ecosystem that fosters long-term engagement and participation." Built for Traders by Traders The rapidly evolving digital asset landscape may seem daunting to newcomers. That’s why Echo provides easy navigation features, deep liquidity, and high-speed trade execution to simplify crypto trading for its growing community. Echo does not set entry barriers and accommodates traders of all skills and experience. Beginners can start on EchoX, the platform’s user-friendly centralized exchange. Thanks to the platform's intuitive interface, they can enjoy a smooth initiation to crypto trading. Meanwhile, institutional and seasoned investors can access Echo Pro and its advanced trading tools. The platform's modular design provides real-time analytics, market insights, and strategies to help traders make better-informed decisions. Lastly, Echo charges minimal fees of only 0.1% per transaction, ensuring all casual or high-frequency traders benefit from a competitive fee structure. The ECHO Token The ECHO token is a foundational element of Echo's unique ecosystem. It is designed as a real-yield token on Ethereum and features robust tokenomics, including a fixed total supply of 1 billion tokens. The platform employs a deflationary mechanism for the ECHO token, allocating 10% of the daily revenue from both EchoX and Echo Pro to repurchasing tokens on the open market. It then “burns” the repurchased tokens from circulation to enhance scarcity and potentially ECHO’s value in the long term. ECHO token holders enjoy fee discounts, premium trading tools, and early access to new services. Moreover, they get governance rights. Therefore, they can participate in platform decision-making, such as fund allocation for the Echo Foundation. The latter will be a pool dedicated to funding growth, strategic partnerships, and other governance initiatives. Echo has allocated 2% of the total ECHO token supply for the public sale taking place on May 15, 2025. This controlled release should create scarcity and support upward price momentum while meeting public demand without diluting the token’s overall value. Revenue and Yield Generation Echo Exchange stays true to its community-focused mission by returning some trading fees to ECHO token holders. The platform distributes 50% of the fees generated from EchoX and Echo Pro as stablecoin (USDC) yields. This feature is a fundamental part of the Echo ecosystem, aligning fee generation with user rewards and ensuring the Echo community grows and thrives together with the platform. Security and Compliance Echo employs the industry’s highest security standards, including multi-layered encryption, biometric authentication, robust KYC/AML checks, and institutional-grade wallet infrastructure. These features guarantee maximum protection for Echo users and their assets. Echo operates as a designated business for convertible virtual currency under the Regulatory Framework of the Isle of Man Financial Services Authority. This status enables the platform to provide tax advantages to its EchoElite Traders under the Isle of Man PCC Structure, which means 0% capital gains tax and 0% corporate tax for crypto investments. EchoElite Traders get to keep more of their gains, accelerating the ability to compound their portfolio. The Echo Roadmap The Echo Exchange is set to follow a 3-phase development path plus a series of future integrations: Phase 1 The Launch of EchoX for basic trading and Echo Elite, with the latter providing asset custody under The Isle of Man’s PCC (Protected Cell Companies) structure. The ECHO token public sale takes place on May 15, 2025, simultaneously with the Echo exchange launch. Echo will also launch the Echo Journal to start building helpful content for its community. Phase 2 The introduction of Echo Pro for advanced trading with cutting-edge tools, such as enhanced liquidity and professional-grade functionalities. This phase will also see the expansion of yield generation models, the integration of trading bots, and additional digital asset services. Phase 3 Echo will expand into Real World Assets (RWAs) trading, leveraging tokenization to unlock traditional asset classes. At this stage, the platform will reach full integration of advanced protocols (e.g., peer-to-contract) to enhance collateralized borrowing and lending capabilities. Other planned features and integrations include: Neobank Rails will enable seamless fiat-to-token conversions with integrated banking services. Fractionalized Assets & Multi-Class Asset Choices, such as tokenizing commodities, stocks, and real estate. Collateralized and decentralized lending and borrowing capabilities through the platform’s peer-to-contract protocol. Offshore & Digitized Trust Structures will expand custody solutions via the Echo Elite framework. An Integrated Launchpad supports onboarding promising new projects to further diversify and strengthen the Echo ecosystem. About Echo Echo operates as a Virtual Asset Service Provider (VASP) for custody and exchange under the Regulatory Framework of the Isle of Man Financial Services Authority. The platform aims to reshape the crypto trading landscape through a user-driven digital asset ecosystem. Echo’s long-term goal is to establish itself as a leader in digital asset management at the intersection of traditional finance and the emerging blockchain-based economy. Echo aims to deliver a community-first trading experience that includes traders of all levels. The platform seeks to empower its members through a robust fee-sharing model, advanced financial tools, daily rewards for token holders, and maximum security for their assets. The ECHO token public sale will occur on May 15, 2025, exclusively on Echo's official platform. The organizers urge interested participants to register in advance via the Echo’s website . Since the sale follows the “first-come, first-served” rule, early registration allows investors to purchase ECHO tokens before they sell out. Those who miss out may have to resort to secondary markets, where prices will vary. For ongoing updates and community engagement, follow Echo on X (formerly Twitter) , Discord , and Telegram .
By Press Release April 10, 2025
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By Press Release April 10, 2025
AW8 , one of the leading online casinos in Singapore, proudly announces the launch of AW8 Pro — its most significant platform upgrade to date. This milestone marks a new era of gaming excellence, offering an expanded game library, enhanced rewards, and a seamless user experience. Since its founding in 2019, AW8 has rapidly grown to over 300,000 active players by 2025, solidifying its position as a leader in the online gaming industry. Exceed 1,000 New Games  AW8 Pro has a comprehensive suite of new features that will delight loyal AW8 players and new users. The upgrade includes over 1,000 new games, expanding the already rich selection of slots and live casino games at AW8. Moreover, it includes games from trending and high-quality providers, thus enhancing the overall gaming experience. Enhance Game’s RTP Another essential upgrade is the enhanced game RTP (Return to Player) rates, now as high as 99.8%. This improvement offers players significantly better winning odds while reinforcing AW8’s commitment to transparency, fairness, and a secure gaming environment for all users. Increase Daily Rebate In addition, AW8 Pro introduces an upgraded daily rebate system, offering players up to 3% rebate automatically credited to their accounts. This enhanced feature is designed to reward players consistently, regardless of the game outcome. By putting value back into the hands of its users, AW8 reinforces its player-first approach—ensuring that every bet, win or lose, contributes to even greater long-term rewards. Upgrade VIP Program AW8 is renowned for its extensive care and appreciation of loyal users. It is an integral part of the latest AW8 Pro update through an enhanced VIP Program. More precisely, the VIP Program has been extended to include 12 levels with numerous incremental perks for those climbing the VIP ladder. For instance, the platform rewards players with an exclusive VIP Upgrade Bonus of up to SGD 5,888. Furthermore, AW8 has lowered the thresholds to enable easier access to VIP benefits. New UI/UX An improved UI/UX gives AW8 a sleek, modern design for smoother gameplay that is designed to elevate the overall user experience. The AW8 Pro upgrade also delivers faster, more intuitive navigation that will help new users find their way across the platform without any hassle. Additionally, the enhanced transaction system offers faster, more secure deposits and withdrawals, ensuring a streamlined and hassle-free gaming experience from start to finish. Overall, the AW8 Pro upgrade provides an enhanced user experience with more rewards and entertainment for new and seasoned AW8 users. The platform now ensures smoother gameplay across all devices. Users can easily switch between desktop and mobile without missing any fun. The upgrade also makes it easier for loyal members to progress and earn, thanks to the lower thresholds in the VIP program. About AW8 AW8 is a modern, all-inclusive online gaming and betting center based in Singapore. The platform has a rapidly growing user base that is attracted by the casino's player-centric approach, large selection of games, and enticing VIP program. AW8 Pro is the casino's most recent and significant update, aiming to set a new standard in the online gaming industry. The upgrades reflect the platform's inclusive mission by catering to seasoned players and newcomers. The update has improved all aspects of the AW8 casino, building towards a uniquely rewarding gaming experience. AW8 Pro is now live for anyone ready to experience the future of online casinos in Singapore.
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