What is Ouroboros

Ouroboros finance is an innovative on-chain consumer finance network. Through a cashback and token mechanism, we incentivize users to adopt crypto payments in real-world consumption scenarios, enabling them to become “network shareholders” and earn sustainable rewards.

Ouroboros finance aims to redefine consumption and cryptocurrency payments, addressing the inherent conflicts between consumers and merchants, and fostering a new consumer finance ecosystem.

We will initially deploy on BNB Chain, empowering payment service providers such as Binance Pay to enhance transaction incentives and supporting BNB Chain to become the settlement layer for billions of cryptocurrency payments.

Redefining Consumption: Consumers Become Network Shareholders

With the growing adoption of digital assets as currency, on-chain spending is gaining traction. While it often mirrors traditional fiat payments with limited distinction, Ouroboros redefines this dynamic by introducing a groundbreaking incentive structure. This system empowers users with crypto-backed cashbacks, shifting the focus from mere transactions to a mutually beneficial ecosystem.

• For Consumers

Ouroboros makes spending cheaper and fun, as every transaction is rewarded with benefits that ultimately cuts your bill and feels like a win. Whether you’re buying a coffee, or paying for a vacation, each purchase delivers a crypto-backed cashback that saves you money.

• For Businesses

Ouroboros transforms payment into a meaningful growth opportunity for businesses. Unlike traditional payment rails that impose merchant fees, Ouroboros eliminates these costs. Instead, a portion of the transaction value is redirected as incentives to users, supercharging user engagement, and transforming one-time buyers into loyal advocates.

• For Token Communities

Ouroboros drives usage of cryptocurrencies of any kind. Token communities benefit from greater user engagement as their cryptocurrencies are used in everyday purchases, fostering stronger ecosystems and incentivizing token holders to actively participate.

Cash Backs：Fiat VS Crypto

Traditional cashback systems have been a staple of consumer loyalty programs for decades, primarily offered by credit card companies, retailers, and financial institutions. These systems typically provide users with a small percentage—often ranging from 1% to 5%—of their purchase amount returned as cash, statement credits, or points redeemable for rewards. The funding for these cashbacks usually comes from a combination of merchant fees (charged to businesses for each transaction, typically 2-3% per sale), marketing budgets, or profit margins. For example, a credit card issuer might charge a merchant $0.30 plus 2.9% of a $100 transaction, with a portion of this fee allocated to the cardholder’s 2% cashback. However, this model has limitations: the cashback rate is often capped, subject to expiration dates, or restricted to specific categories (e.g., gas or groceries), reducing its flexibility.

In contrast, Ouroboros' unique dual cashback mechanism redefines this paradigm by harnessing the power of blockchain technology and decentralized finance (DeFi) principles. Instead of relying on merchant fees or external funding, Ouroboros distributes a portion of the transaction amount (settled in USDO) and network tokens as user rewards, eliminating traditional merchant fees and leveraging the network’s inherent value to subsidize merchant payments

Key Use Cases

• In-Game Purchase

Ouroboros can serve on-chain games as the payment layer for in-game purchases—whether for virtual assets, character upgrades, or special gameplay events. By leveraging our built-in cashback incentive, developers can boost revenue and increase player loyalty while effectively lowering the cost of play.

• Tipping & Subscriptions

Ouroboros can plug into online streaming platforms to accept cryptocurrency for subscriptions and tips. Our built-in reward layer lowers the net cost of engagement, driving higher user participation and retention, all without the need for additional marketing spend.

• Online Purchases

Ouropay can be adopted by e-commerce platforms as a way to lower the effectiv cost for shoppers while driving higher loyalty and repeat purchases, all without merchants needing to spend additional marketing spend.

• LaunchPads

Ouroboros can be integrated into launchpads to facilitate Initial DEX Offering (IDO) participation. The cashback mechanism can increase user engagement as they are rewarded for their participation, potentially leading to higher retention rates.