BIP044 [DAO/Partnership] Changelly Fiat On-Ramp Integration & Revenue Sharing

Summary of the Proposal: This proposal seeks official DAO approval to establish a strategic partnership between Changelly and BIM, including:

• Integration of Changelly’s on-ramp API directly into BIM Exchange
• Addition of a “Card Payment” option inside the existing Buy / Sell interface
• Implementation of a 1% revenue-sharing mechanism routed directly to the BIM DAO treasury

This is a formal governance proposal for execution upon approval.

Context: One of the primary friction points in DeFi adoption remains fiat onboarding. Users typically need to leave the protocol environment to purchase crypto before interacting with DeFi applications.

Changelly provides a fiat-to-crypto on-ramp infrastructure by aggregating multiple licensed global providers and offering broad payment method coverage.

This proposal formalizes a strategic integration to allow users to purchase crypto directly within BIM Exchange without leaving the interface.

Proposal Details: 1️⃣ Strategic Partnership

• Changelly becomes an official fiat on-ramp partner of BIM
• BIM integrates Changelly’s API infrastructure
• Potential co-marketing collaboration initiatives

2️⃣ Technical Integration

• Integration via Changelly API / SDK with aggregated licensed providers.
• Default Aggregated Providers: MoonPay, Banxa, Wert, Transak

Interface Implementation:

• Addition of a “Card Payment” option within the existing Buy / Sell module
• Users selecting “Buy” may choose Card Payment (Visa / Mastercard / Apple Pay / Google Pay)
• Embedded experience via API/SDK (no redirection outside BIM Exchange)

Objective: Maintain a frictionless UX where fiat payment becomes an additional payment rail within the current BIM trading interface rather than a separate module.

Compatibility subject to supported networks and compliance constraints of providers.

3️⃣ Revenue Model The proposed revenue structure includes:

• 1% of total on-ramp volume generated via BIM integration
• Revenue automatically routed to the BIM DAO treasury wallet

This creates:

• A recurring revenue stream
• Sustainable treasury growth
• Alignment between platform growth and DAO revenue

4️⃣ On-Ramp Parameters

Purchase Limits (indicative): Minimum: ~$10 Maximum: ~$65,000 (Varies depending on provider, jurisdiction, and payment method)

Supported Payment Methods (non-exhaustive):

• Visa / Mastercard
• Apple Pay / Google Pay
• Faster Payments (GBP)
• Revolut
• PIX (BRL)
• ACH (USA)
• PayID (AUD)
• iDEAL (EUR)
• Skrill Balance

Coverage is global across Europe, North America, LATAM, Asia-Pacific, and selected African markets, subject to provider T&Cs.

Sanctioned or extreme-risk jurisdictions remain excluded in compliance with international regulations.

5️⃣ Treasury Impact

• Revenue routed directly to the DAO treasury wallet.
• Subject to standard treasury conversion policy (USDC on BASE if applicable)
• Fully governed under DAO oversight
• Strategic Rationale

This proposal strengthens BIM’s positioning as:

• A complete DeFi gateway
• A user-acquisition engine
• A revenue-generating DAO

It supports:

• Lower onboarding friction
• Increased retail accessibility
• Higher Web2 → DeFi conversion
• Scalable treasury growth based on transactional volume

Risks & Considerations Regulatory dependency on third-party providers. Mandatory KYC (standard for fiat ramps). Geographic restrictions in certain jurisdictions.

API integration and compliance review required prior to deployment. A technical review and deployment validation phase will be conducted before activation.

Voting Options: ✅ For — Approve BIP044 and authorize implementation ❌ Against — Reject the proposal ⚪ Abstain — No position

Voting Instructions:

• Connect to the voting platform using your wallet.
• Select the proposal regarding the opening of vote submissions.
• Choose the option that you believe best aligns with the vision and strategic objectives of BIM Protocol
• Confirm your vote.

Voting Period: Voting will begin on [26/02/2026] and conclude on [01/03/2026]

We encourage every member of the BIM Protocol community to participate in this crucial vote. Your voice will guide the future of our platform and strengthen our position in the blockchain ecosystem.

Discussion (optional): https://governance.bim.finance/