Bru Finance

Brú Finance has established itself as a global leader in commodity tokenization, leveraging its advanced blockchain infrastructure to create the world’s largest decentralized marketplace for real-world assets. At the heart of its operation is a novel system of fractional bonds, backed by agricultural commodities. These bonds allow liquidity providers to earn up to 8–12% interest in just six months while enabling borrowers like farmers and processors to gain access to capital for their seasonal operations. The assets are stored in third-party warehouses, tokenized through a custodian node, and converted into NFTs for lending purposes.

Brú Finance solves major problems faced in the traditional commodity finance ecosystem, such as fraud, duplicate lending, and ghost collateral. It achieves this with a transparent, tamper-proof blockchain system that integrates seamlessly with both DeFi and TradFi infrastructures. The platform stands out with its integration of an on-chain lending protocol supported by a decentralized governance model and a verified tokenization mechanism. The bonds issued are over-collateralized (140%), ensuring security for investors.

One of the key innovations is the concept of Emerging Market Asset-Backed Bonds, which serve both a financial and social purpose. These instruments not only provide sustainable returns but also help small farmers escape predatory lending cycles. Brú Finance is aligned with the UNDP goals for financial inclusion and environmental sustainability, mitigating food waste by enabling better storage and distribution through funded infrastructure.

Unlike traditional DeFi projects that rely on synthetic assets, Brú Finance utilizes real, tangible assets, which makes it more resilient to market volatility. It also simplifies access for non-crypto users, offering investments through a web and mobile application with intuitive UX and minimal crypto jargon. Competitors in this space include Goldfinch, Centrifuge, and Maple Finance, but Brú’s emphasis on agri-backed bonds and real-world commodity finance in emerging markets gives it a unique edge.

Brú Finance provides numerous benefits and features that make it a standout protocol in the DeFi and RWA finance landscape:

• High Yield Opportunities: Investors can earn 8–12% returns through 6-month Brú Bonds, offering a short-term and attractive investment avenue.
• 140% Over-Collateralization: All bonds are secured with highly liquid commodity assets stored in third-party warehouses, reducing investor risk.
• Support for Underbanked: Brú helps underserved communities, particularly farmers, to access credit, aligning with financial inclusion goals.
• Real-World Asset Tokenization: The use of agri-commodities as collateral enables a stable financial product, unlike volatile synthetic tokens.
• Fiat & Crypto Flexibility: Accepts investments in both traditional fiat and cryptocurrencies, catering to a broad range of users.
• Karma Points: Earn rewards for creating positive social impact by supporting rural economies.
• Bonus Brú Tokens: Investors receive Brú Tokens as added incentives on every investment.
• Decentralized Platform: Fully on-chain infrastructure ensures transparency and security of all lending and borrowing activities.

Brú Finance offers a simple and inclusive onboarding experience for both crypto-native and traditional finance users:

• Step 1 – Visit Platform: Head to the Brú Finance App or download the mobile app from the Google Play Store.
• Step 2 – KYC Process: Complete a quick and mandatory Know-Your-Customer (KYC) process to access investment features.
• Step 3 – Fund Your Account: Choose between fiat or crypto funding methods to load your wallet or link a payment account.
• Step 4 – Choose Bonds: Browse different bond options available with tenure choices (6 to 24 months) and expected returns.
• Step 5 – Invest: Subscribe to the bonds of your choice and become a liquidity provider in the Brú ecosystem.
• Step 6 – Monitor & Redeem: Use the app to track your bond’s performance and redeem your principal and interest after maturity.
• Step 7 – Earn Extras: Collect Karma Points and receive free Brú Tokens as part of the community rewards program.