ReFi: What is it? And It’s Impact on NFTs and Web3

ReFi; also known as “regenerative finance,” is an initiative that aims to highlight the “extractive” and “exploitative” nature of the current financial system. To put it briefly, Regenerative Finance (ReFi) is a method for addressing global issues like climate change. Having a positive effect is not a necessary byproduct of ROI under this system. Instead, the focus shifts to creating a better world via shared prosperity. It encourages changing from an extractive to a regenerative economic model.

Utilizing the distributed ledger technology How we assign a value to natural capital and determine how much its worth is being rapidly transformed by ReFi into a decentralized community of independent individuals. Before we go any further, it would be beneficial to get a basic understanding of the history of ReFi as well as a few words that are used in this field.

As a result, ReFi can be regarded as a method of triangulating many aspects of sustainability by “stabilizing” the climate and “biodiversity” and also maintaining equitable access across global communities. This can establish new models and systems of finance, which can lead to an increase in prosperity.

Can The Same Positive Impact Be Attained Through NFTs and Web3? 

In contrast to the rhetoric and rumours that have been circulating NFTs in 2021, an increasing number of creators and platforms are broadening their scopes and investigating the potential applications of peer-to-peer and peer-to-business projects.

However, this does not imply that the adoption process is always straightforward. There is a great deal of “infrastructure pieces” to investigate beyond NFTs, one of which is the development of more dynamic goods that make this possible.

To put it more precisely, it’s a dance of sorts between empowering the user to be an “advanced” user who takes full “control of their assets” and “making a product frictionless” to ensure smooth adoption of the product.

So what are your views on the impact and adoption of ReFi so far?

What are Web3 browsers? A comparison of top players in decentralized browsing

Are ads and pop-ups ruining your internet browsing experience? If yes, you’re in the right place. We’ll introduce you to the world of Web3 browsers, where you wouldn’t have to worry about ads again. Whether you want faster browsing or unlock extra layers of privacy, there’s something for everyone regarding Web3 browsers – so let’s get started! Let’s discuss what Web3 browsers are in detail and look closely at the top players leading decentralized browsing today.

What are Web3 browsers and what are their advantages?

Big Tech companies have had a stranglehold on the internet for years, controlling what we see and do online and exploiting our data for their gain. Web3 offers an alternative – a decentralized web that puts users back in control of the rules and their data. 

Rather than relying on corporate giants to dictate our online experience, web3 allows us to create a fairer, more open web where data privacy is no longer an issue and users rightfully hold ownership of their data. 

Web3 browsers make browsing this new revitalized digital landscape safer, faster and more secure by introducing features such as immutable ecosystems, increased transparency and bolstered security protocols – plus improved overall performance! Big Tech won’t be running the show forever: web3 is here for a better web experience.

A Web3 browser’s key advantages are:

  • An immutable environment means trusting that users will obtain the digital product exactly as the creator intended.
  • Increased transparency and security,
  • Improved browsing performance,
  • Complete user privacy and confidentiality
  • Connecting cryptocurrency wallets to multiple blockchains
  • Because of decentralization, you have complete control over the content

What are the different Web3 browsers available?

With the rising popularity of Web3, multiple players are in the market. These Web3-enabled browsers each offer a different set of features and security measures.

CarbonBravePuma BrowserOpera crypto
Speed (FLT)0.5 sec2.34 sec2.25 sec3.05 sec
Privacy Options· VPN + dVPN (free)
· Firewall
· ToR e2ee
· 3rd Party Networks
· VPN (paid)
NAVPN (free)
Ad BlockBlocks ALL ads and trackersBlocks most ads and trackersBlocks most ads and trackersBlocks most ads and trackers
Web3 supportENS Domains
ENS Domain
ENS Domains
ENS Domain
RewardsHigher Value $CSIX rewardsLow value $BAT rewardsOnly rewards content creatorsNA
Special FeaturesMulti-chain wallet with atomic swaps


Carbon Pro
Multi-chain walletNAMulti-chain wallet
Carbon browser vs others: A comparison

Of all the browsers, Carbon stands out for being a fast and secure browser with many special features. With Carbon, you can completely control your online presence with a multi-chain wallet, giving you the power to manage all of your online activity securely. 

Use web 3.0’s bridge function to connect web 2.0 and web 3.0 ecosystems, allowing for a smarter and more streamlined experience like never before! Get ready to get futuristic – web 3.0 is where it’s at.

Carbon aims to bring 500 million users to Web3 browsing with its fast performance, security, and privacy. It automatically blocks online ads and website trackers to provide a private and secure browsing experience. The browser seeks to solve the issues of decentralization, lack of privacy, and slow loading speeds.

Furthermore, users can earn crypto rewards while enjoying the unparalleled browsing experience.

Key benefits include

  • 100% privacy
  • Getting web 3.0 ready
  • 3x faster browsing
  • Superior Adblock
  • Crypto rewards

Carbon browser has taken the web3 and digital asset communities by storm. With over 5 million downloads on Android phones alone, the Carbon browser is a top choice for users looking for speed, security, and simplicity all in one package. Plus, Carbon gives users a bonus of earning rewards as they use it! Carbon’s native token $CSIX comes with numerous utilities and a multi-chain wallet integration – perfect for those who want to store their digital assets in one place. Carbon has it all: agility, storage, protection and rewards – what more could you ask for?

Layer 2 Scaling Solution Polygon Partners with Cere Network to Launch DaVinci

The development of Web 3 based applications and their adoption has skyrocketed in the last few years, with more and more projects optimizing their services for the new generation of the internet. The popular Layer 2 scaling solution Polygon has also joined the hype by partnering with Cere Network to launch DaVinci. DaVinci is a Web3 media platform that offers perks from subscription NFTs and exhibitions from creators in the virtual and real world. 

Cere Network is a decentralized data cloud platform that is the world’s first blockchain-based storage solution. On the other hand, Polygon is a popular Layer 2 scaling solution utilized by a variety of projects to launch their tokens and services. Together, Polygon and Cere Network have developed DaVinci with the aim to store non-fungible token-backed assets more securely while ensuring verifiable and decentralized data. 

DaVinci – A Web3 Media Platform

DaVinci is a content monetization platform powered by NFTs and facilitates decentralized data transfers and NFT value transfers. The platform is powered by Cere’s decentralized data cloud that helps it to enable personalized content streaming for NFT holders using smart contracts. DaVinci also leverages Cere Freeport, the NFT mining platform developed on Polygon Network, to sell and mint functional NFTs paired with exclusive content. 

The co-founder of Polygon Network, Sandeep Nailwal, had some interesting thoughts about DaVince. 

“There is so much more that artists and fans are able to accomplish and access through DaVinci that realizes more of the potential of blockchain to the mainstream consumers. Artists and brands get more revenue from their unique content, while fans get better experiences and secure delivery of their assets.”

According to the press release, DaVinci will have several benefits and will offer the creators a share of the royalties from any sale and a guarantee of continuous delivery of exclusive content. Moreover, creators can also access detailed audience research and analytics tools to curate their content to NFT holders and fans. 

DaVinci will be a revolutionary addition in the NFT and Web3 space and will help creators and users to engage in a more personalized and rewarding way. 

Bloom aims to help DeFi go mainstream with launch of OnRamp

Bloom—a blockchain platform focused on digital identity and reusable, verifiable credentials is aiming to help DeFi go mainstream by enabling compliance and risk assessment with their new enterprise product, OnRamp

As DeFi’s growth has exploded over the past year, so has the pressure to abide by traditional financial rules that many blockchain builders view as antiquated and in conflict with the core principles of user privacy and decentralization. Over the last few months in particular, it’s become clear that regulators aren’t backing down and that more regulation could be coming. 

In a speech published by Bloomberg, US regulators stated “the crypto space’s evolution from here will rely on sound regulation—something that some major crypto platforms and their executives, including FTX CEO Sam Bankman-Fried, have publicly acknowledged themselves. “At the heart of finance is trust”. 

The Future of Trust

Bloom’s thesis is that digital identity and reusable, verifiable credentials are key to establishing a new system of trust, where user privacy, security, and control are prioritized. 

Bloom was founded in 2017 by Stanford computer scientists in response to the Equifax scandal when hackers gained access to the private information of 147 million US citizens.. 

In 2018, Bloom released its iOS app, giving users the ability to create and control their own digital identity (BloomID) and connect pieces of personal data to it, verified by trusted third-party data attestors. 

In 2019, Bloom released the Android version of the app, followed by the release of Bloom Radar, a free hack monitoring service. Users were given the ability to enroll in this service without compromising their data or enabling its sale to outside parties. This ability attached a tangible value to their reusable verifiable credentials (VCs). 

In 2020, Bloom created more value for BloomID holders by partnering with TransUnion to enable free credit monitoring, again without compromising or selling user data. 

Fast-forward to 2021. Global user privacy is at greater risk than ever before. Hackers are a greater threat than ever before. The T-Mobile hack just this past month exposed the private data of more than 50 million users. At the same time, the DeFi space is growing quickly but also facing headwinds. It’s in the midst of all this that Bloom thinks they have a solution.

Taking DeFi to the Next Level

With OnRamp, Bloom hopes that making reusable, verifiable credentials accessible to developers will help unleash the full potential of DeFi, creating a key piece of the infrastructure for KYC & AML compliance and risk assessment.

“Cryptocurrency is the wild west of our financial system and desperately needs rules of the road and common-sense oversight in order to protect the stability of our financial system,” said Senator Elizabeth Warren

Bloom hopes to help bridge the gap, by building tools that help DeFi companies seek compliance while at the same time prioritizing user privacy and continuing the pursuit of expanding global financial inclusivity.

Other limiting factors also exist. While DeFi has grown quickly, it’s remained mostly reliant on collateralized lending which limits access to asset owners. With the addition of alternative financial signals like bank account balance and transaction history, DeFi companies can now enable risk assessment and transcend the limits of collateralized lending. Bloom has future plans to include traditional credit scores, utility bill payment history, and other alternative signals that could help DeFi better evaluate creditworthiness and expand financial inclusivity.


Union Chain – A DAO for Agribusinesses

Cryptocurrencies has brought about a revolution that started with Bitcoin. As the market evolved, more platforms were created and specialised use cases were built on Ethereum platform. These use cases cater to different industries that have specific inefficiencies and lack of transparency.

Agriculture is one such sector. It is highly disorganized, very difficult to maintain standards, dealing in perishable products, have long supply chain but short shelf life, complex transport networks and require coordination amongst thousands of suppliers and logistics providers before the produce can reach the consumer.

Union Chain is a blockchain based solution that aims to create a Decentralised Autonomous Organisation (DAO) to bring about immense efficiencies in this market.

The Market

The agriculture supply market has many problems but Union Chain is currently addressing three major ones:

Food Safety

Food safety is a major concern with dipping quality, lack of standardisation of produce, problems of pilferage, traceability, poor storage conditions and counterfeiting. Food is such a perishable item that if it is not delivered in time and transported in the right conditions, it will lose its value and can even harm the consumer creating a possibility of lawsuits for the provider.

Low Production efficiency

Production is mainly done in small farms without any efficiencies that come with scale. The means of production are outdated and little or no automation or equipment is used in the production.

Industry finance and credit

There are very few avenues for credible organized finance to this sector. Since it is comprised of small scale businesses, they do not have access to finance. Their operations are largely scattered and that creates another problem in getting new loans to buy equipment or new seeds or any raw material that is required to have a good yield.

The solution

Union Chain was born out of the need to solve these three problems of this multi-billion dollar market. By using blockchain-based solution with the help of Artificial Intelligence, big data, Internet of Things (IoT) and cloud computing.

Internet of Things for data collection

With agricultural produce, it is difficult to track because it is difficult to gather all the data at production, verify it at storage and at the end consumer’s end. Union Chain aims to do this by using the latest Internet of Things technology. This technology involves installing micro-sensors to the packaging and it can be scanned and tracked anywhere in the supply chain thereby providing a bird’s eye view of all the produce at any given point in time. This prevents the produce for going stale, deters counterfeiting and is easy for all access points to use.

Decentralized Autonomous Organisation

One of the problems in agri-business is the involvement of too many stakeholders. Cooperation and coordination amongst so many stakeholders is a huge problem. Union Chain solves this problem by creation of a DAO, an organisation that is run by the people who are its stakeholders and is governed by the rules built on the blockchain. DAO is one of the biggest innovations in the blockchain industry and is being used to ensure the governance is fair and that all stakeholders can participate in a fair market.

Here, a DAO lowers the cost of transaction, breaks across barriers and facilitates easy transactions. The entire DAO will be governed by Union Chain token and the economy will be supported by immutable transactions on the blockchain.

Credit facilitation

Union Chain upgrades the banking finance and credit system. With standardisation and decentralisation, the assets will be divisible and can be owned in part by any actor in the tokenised economy. This brings in the possibility of scale and efficiencies that come with scale.

Union Chain will also have Smart Contract based offerings based on the data provided by each farmer. So if a farmer is worried about bad weather, they can purchase an insurance to cover that via Union Chain. The smart contracts are a part of the DAO and can be paid by the token economy and if there is a casualty, the DAO will also pay the farmer by the tokens. This facilitates provision of services without having to go through the red tape and paperwork.


The technology is built on four layers – the application layer, the contract layer, dialogue layer and the contract layer.

Union Chain will provide a Smart Wallet, an information system that will provide a view of the end-to-end data in the system, the hardware needed to install and run the systems in an integral way.

An agricultural brain is built-in the solution to provide a complete networked infrastructure on top of the industrial and commercial hardware that various players at each stage of the supply chain will be using.


UNION token is the fuel of this futuristic economy. There will be 1 billion tokens out of which only 20% will be sold to the public.


Union Chain is an exhaustive technology platform that covers every detail and stakeholder in the agriculture supply chain. With the integration of various technologies right from blockchain to AI to big data and the Internet of Things, the future of agriculture can be easily visualised to be efficient and transparent. The economic model that will be fuelled by the token UNION will ensure there is liquidity, trust and transparency. The sector’s needs are addressed in the perfect possible solution.