BIP051 [DAO/Partnership] Integration of Swipelux as a Fiat Liquidity Provider for Small Transactions

Author: @LP17 – @BIMLabs

Summary of the Proposal: This proposal seeks official DAO approval to integrate Swipelux as a fiat liquidity provider within BIM Exchange, including:

Integration of Swipelux’s on-ramp / off-ramp infrastructure Targeting transactions between $15 and $2,500 Implementation of a 1% revenue-sharing mechanism Monthly revenue payouts in USDC directly to the BIM DAO treasury

This is a formal governance proposal for execution upon approval.

Context: Fiat onboarding remains a major friction point in DeFi adoption, particularly for retail users executing small transactions.

While BIM already integrates fiat solutions, there is a clear need for a provider optimized for:

Low-to-mid size transactions Fast payment execution Simplified user experience

Swipelux is specifically designed for this segment, making it a strong complementary addition to the existing infrastructure.

Proposal Details: 1️⃣ Provider Integration

• Swipelux becomes an official fiat liquidity provider within BIM Exchange
• Focus on transactions between $15 and $2,500
• Complements existing providers (e.g., Changelly)

2️⃣ Technical Integration & User Experience

• Integration within the existing Buy / Sell module
• Addition of Swipelux as a payment option (cards and supported methods)
• Streamlined and embedded purchase flow

Objective: Improve onboarding efficiency and maximize conversion rates for small transactions while maintaining a frictionless UX.

3️⃣ Revenue Model

The proposed revenue structure includes:

• 1% of total volume generated via Swipelux
• Revenue paid monthly in USDC
• Funds transferred directly to the BIM DAO treasury wallet

This creates:

• A recurring revenue stream
• Monetization of retail transaction flow
• Diversification of DAO income sources

4️⃣ Strategic Positioning

This integration enables BIM to:

• Strengthen its multi-provider on-ramp strategy
• Capture entry-level and retail users
• Optimize conversion on small transactions
• Enhance BIM’s positioning as a complete DeFi gateway

5️⃣ Treasury Impact

• Monthly USDC inflows to the DAO treasury
• No upfront cost or infrastructure investment required
• Revenue directly linked to platform usage
• Strategic Rationale

This proposal aligns with BIM’s core objectives:

• Expanding fiat-to-crypto accessibility
• Increasing user acquisition efficiency
• Scaling DAO revenue streams
• Delivering a segmented and optimized onboarding experience

Risks & Considerations

• Dependency on a third-party provider
• Mandatory KYC requirements (standard for fiat ramps)
• Geographic restrictions depending on jurisdiction
• Integration and UX validation required prior to deployment

A technical validation phase will be conducted before full rollout.

Voting Options: ✅ For — Approve BIP051 and authorize Swipelux integration ❌ 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 [12/04/2026] and conclude on [16/04/2026]

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/t/temp-check-integration-of-swipelux-as-a-fiat-liquidity-provider-for-small-transactions/46