Activity & Growth Financing for Self-Actuating Communities
From Permissionless Capital to Purposeful Growth
selfdriven.finance connects Bitcoin (permissionless capital) and Cardano (permissionless DeFi) to power community-driven growth.
It channels long-term crypto capital into local, purpose-aligned initiatives — turning yield into impact.
1. Bitcoin Network → Permissionless Capital
Bitcoin holders form the foundation.
By depositing BTC into Taproot addresses, they make their capital productive through BitVMX and Cardinals protocols.
This converts idle BTC into collateral — enabling stable, interest-bearing lending and liquidity while preserving decentralisation.
Flow:
- Bitcoin Holder → Taproot Address → Collateral Pool
- Collateral backs DeFi loans and stable assets (e.g. USDM)
- BTC remains verifiable and auditable on-chain
2. Cardano Network → Permissionless DeFi
Cardano provides the programmable finance layer.
Here, collateralised BTC supports USDM (provable, USD-backed 1:1) and related stablecoins.
These assets power:
- Lending pools (P2P or perpetual)
- Interest-bearing loans
- Automated liquidation (via on-chain lending protocols)
The Cardano extended UTxO model ensures every transaction is deterministic, auditable, and composable.
If thresholds drop, collateral is sold, and bad debt is recorded on-chain — protecting solvency and preserving community reputation.
3. selfdrivenOS → Coordination & Trust
The selfdrivenOS layer (Organisational System) links financial flows to human trust systems.
It governs:
- Allocation of funds (who gets what and why)
- Voting, reputation & decision tracking
- Interest & threshold maintenance
- Identity verification via Verifiable Credentials
selfdrivenOS ensures that community organisations and facilitators can coordinate transparently — embedding governance directly into the financing cycle.
Every allocation, conversation, and decision builds verifiable trust.
4. Communities → Activity & Growth
Funds flow into Community Organisations that drive real-world change:
projects, education, health, sustainability, local enterprise, and more.
Facilitating organisations support this process by guiding:
- Project setup & governance
- Marketing & awareness
- Collaboration & skill sharing
Each completed project strengthens the community’s credibility and access to future capital.
5. Accountability & Feedback Loop
The cycle completes through accountability proofs.
When projects generate outcomes:
- Interest is paid to lenders
- Collateral is released to Bitcoin holders
- Results are verified and recorded on-chain
If a default occurs:
- Collateral is liquidated
- USDM debt is covered
- The Bad Debt Register maintains integrity across lending pools
This creates a self-correcting loop — aligning finance, governance, and reputation.
Outcome: Regenerative Finance
Each cycle of selfdriven.finance strengthens two networks:
- Bitcoin Network: Stores and secures capital
- Cardano Network: Executes programmable, verifiable community finance
Together, they create a regenerative economic engine — where every transaction reinforces community resilience.
Bitcoin provides the roots.
Cardano grows the branches.
Communities bear the fruit.