nolus.

io

1
1

The World’s
First DeFi
Lease

Pitch Deck nolus.io


THIS PRESENTATION AND ITS CONTENTS
ARE NOT FOR RELEASE, PUBLICATION OR
DISTRIBUTION, IN WHOLE OR IN PART,
DIRECTLY OR INDIRECTLY IN OR INTO ANY
JURISDICTION WHERE SUCH DISTRIBUTION
IS UNLAWFUL
This presentation has been prepared by
Nolus Platform Ltd. (the “Company”). For
Disclaimer
the purposes of this notice, “presentation”
means this document, its contents or
any part of it, any oral presentation, any
question, or answer session and any written
or oral material discussed or distributed
during the presentation meeting
The information set out in this presentation
may be subject to updating, revision,
verification and amendment and such
information may change materially. Neither
the Company, nor any of its respective
directors, officers, employees, agents,
affiliates, or advisers is under an obligation
to update or keep current the information
contained in this presentation to which it
relates or to provide the recipient of with
access to any additional information that
may arise in connection with it and any
opinions expressed in this presentation
are subject to change without notice.
The Company and any of its respective
directors, officers, employees, agents,
affiliates, or advisers shall have any liability
whatsoever (in negligence or otherwise) for
any loss whatsoever arising from any use
of this presentation, or otherwise arising in
connection with this presentation
This presentation is for information
purposes and convenient reference. It
is not definitive advice, nor should it be
relied upon as such. This presentation does
not purport to contain all the information
that may be required to evaluate any
potential transaction and should not be
relied on in connection with any such
potential transaction. Any projection,
estimate, forecast or other ‘forward-
looking’ statement in this presentation
only illustrates hypothetical performance
under specified assumptions of events or
conditions, and is not a reliable indicator of
future performance.
To the extent available, the industry and
market data contained in this presentation
may have come from official or third-
party sources. Such third-party industry
publications, studies and surveys generally
state that the data contained therein have
been obtained from sources believed to be
reliable, but that there is no guarantee of
the accuracy or completeness of such data.
While the Company believes that each of
these publications, studies and surveys has
been prepared by a reputable source, the
Company has not independently verified
the data contained therein. In addition,
certain of the industry and market data
contained in this presentation come from
the Company’s own internal research and
estimates based on the knowledge and
experience of the Company’s management
nolus.io
in the market. While the Company generally
believes that such research and estimates
are reasonable and reliable, they, and their
underlying methodology and assumptions,
have not been verified by any independent
source for accuracy or completeness and
are subject to change without notice.
Accordingly, undue reliance should not be
placed on any of the industry or market data
contained in this presentation
This presentation does not constitute an
offer to sell or a solicitation of an offer to
buy any securities or tokens in the United
States.
This presentation and its contents are
confidential and are being supplied to
you solely for your information and may
not be reproduced, further distributed or
published in whole or in part by any other
person. Neither this presentation nor any
copy of it may be taken or transmitted into
or distributed in any other jurisdiction which
prohibits the same except in compliance
with applicable laws. Recipients are required
to inform themselves of, and comply with,
all such restrictions or prohibitions and the
Company does not accept liability to any
person in relation thereto. By receiving a
copy of this presentation, you hereby agree
to be bound by the foregoing provisions
 nolus.io

The Nolus Protocol is a Web3 financial suite that

offers an innovative approach to money markets
with a novel lease solution to develop the DeFi
space further

The Nolus DeFi Lease© provides up to 150%

financing on the initial investment, retained
ownership over the assets, lower margin calls,
Summary

and total costs

Already in the final stage of development, the

protocol utilizes a PoS Layer-1 blockchain built
using the Cosmos SDK that can handle the
throughput needs of Web3 at scale

Inefficiencies
✗ OVER-COLLATERALIZATION
The industry suffers from steep
over-collateralization requirements.
Collateral locked is between 2x to
5x from loan provided which leaves
a large amount of capital unused
✗ RISK OF LIQUIDATION
Risk of liquidation and loss of equity
is extremely high. Both CeFi and
DeFi lending solutions liquidate
the collateral when it’s price
depreciates by 20% to 40% from its
original position
✗ HIGH COSTS
Effective interest rates vary
between 11% and 19% for CeFi, while
DeFi solutions have variable interest
that can go even above 30%.
Transaction fees on Ethereum can
reach 50% of the transaction for
smaller amounts
nolus.io
3
✓ EFFICIENT LENDING
Nolus DeFi Lease provides financing
→ up to 150% on the initial investment
thus reducing the level of
collateralization by at least 3 times
✓ LOWER LIQUIDATIONS
Nolus DeFi Lease has 40% lower
liquidation rates compared to the
→
market average (all parameters
equal), indicating up to 67%
depreciation in the price of the
digital asset
✓ LOW COST & PREDICTABILITY
With Nolus, total costs of financing
and transactions are low – the never-
→ changing interest rate is locked at
contract creation, with little to no
additional cost for transactions

Inefficiencies
✗ LACK OF OWNERSHIP
Leveraged products provide no
ownership of the underlying asset
✗ COMPLEX EXPERIENCES
Complex onboardings, concepts,
and processes deter users away.
CeFi solutions are way too technical
for the average person to operate
with
✗ MISSING OUT
Limited liquidity prevents larger
purchases today. If provided as
collateral, only 50% of the holdings
can be used as an investment
vehicle to expand one’s exposure
nolus.io
4
✓ RETAINED OWNERSHIP
→
With Nolus, ownership stays with
the user at all times
✓ INTUITIVE & EASY-TO-USE
With Nolus, the user enjoys quick
→ and clear experience wrapped
in an intuitive and easy-to-use UI
with simplified onboardings and
processes
✓ 3X ON A LOCKED PRICE
With Nolus, the price of the desired
asset is locked in at the contract
→ creation, and the user has at least
three times more purchasing power
today. The user can repay part or
the entire loan just by the asset
price appreciation
 nolus.io

Kamen Ivan Gancho

Kostov Manev
Trendafilov
Co-Founder & Technology
Co-Founder &
Product Team Lead
Finance
Development

Vesselin Bilyana Alexander

Zahariev Christova Efremov

Investor Marketing Data Science

Relations Team Lead Team Lead

Hristo Ivan Denislav Vadym Vladimir Kiril

Panov Ivanov Ivanov Mierzhev Kolesnikov Mihaylov
Team

BI Tech Golang Golang Golang Rust Rust

Lead Engineer Engineer Engineer Engineer Engineer

Lyubomir Alexander Desislava Metodi Kroum +5 More

Blagov Makedonski Paunova Manov Christov
Web3 Web3 Quality Assurance DeFi Community
Engineer Engineer Engineer Strategist Manager
 nolus.io

Shane Zaki
Molidor Manian

Chief Executive Officer Co-Founder of Sommelier Protocol,

at AscendEX Co-Founder of Iqlusion

Jack Tyler
Advisors

Zampolin Schmidt

Founder at Strangelove Ventures, Co-Founder at Strangelove

Co-Founder of Sommelier Protocol

Nikola Sokol
Alexandrov Iankov

CEO & Founder at LockTrip.com Chief Executive Officer

& Co-Founder of Hydrachain.org & Co-Founder at Credissimo
 nolus.io

The Nolus Protocol will enable true scale by

creating a safe, reliable, and user experience-
driven environment for DeFi to grow on the
Community
Cosmos еcosystem. For Nolus, true scale
means bridging the gap from the core market
of early DeFi adopters to the vast untapped
mainstream market. Users need to trust that
their investments are secure. They need product
experiences that feel familiar to them

To successfully build an environment that

delivers on these goals, every service that we
onboard will align with the vision of creating the
most substantial value to the user
 nolus.io

Nolus will disrupt the lending space by

offering a powerful solution to all:
The Protocol
Finance
→ Lease with lower risk and better
→ DeFi Lease
financial terms

→ Manage dozens of cryptocurrencies

and earn on idle assets

→ Purchase crypto with fiat and swap

digital assets Manage
→ Swap and Ramp
→ Earn Yield
→ Stake Tokens
 nolus.io

Nolus DeFi Lease is a novel buy now - pay later

product transferred into the crypto universe
Users can secure a larger amount of a desired
digital asset than their current equity and
never miss the potential upside value gain
DeFi Lease

kchain
Bloc

NEW ENTRANST

NOLUS WALLET 1 Downpayment →

Cryptocurrencies, Liquidity Pools

Nolus Token & NFT’s

CLIENTS
HODLERS
4 3 2
← Lease
← Repayment
→ Release

INSTITUTIONS
Lease
Contract
 nolus.io

10
Competition
PRODUCT FEATURES CRYPTO LENDERS MARGIN AND FUTURES

Financial Background
Needed
NO YES YES

Total Cost of 14.2% 18.2%

Financing
10% avg. across market avg. across market

Application fee, Administration Application fee, Maker/Taker fee,

Fees Interest Only fee, Spread, Interest Daily interest, Withdrawal fee

Margin Call Risk Very Low High Very High

Liquidation* 67% 38% 26%

 drop in price of asset decrease decrease decrease

Financing as % of
Collateral/Downpayment
Up to 150% Up to 50% Up to 125x**

Ownership of the NO NO
Digital Asset
Yes collateralization futures contract

* еqual parameters across the market - loan of USD 10,000 and deposited collateral of USD 20,000
** increased leverage brings higher liquidation - if 10x leverage is used, the liquidation happens at 4.5% drop in price
 nolus.io

11

The Protocol will benefit all

participants in the ecosystem

Тhe protocol’s money market will

incentivizе lenders with additional leco
ins
tab
rewards above the initially agreed plyS
interest through the release of Lender

p
Su
Nolus tokens (NLS). Incentives of up

←
Person

to 15% p.a. will attract capital during

the early stages of development
and decrease proportionally when

Up to 23% →
the protocol’s TVL grows to certain Bloc
kchain

thresholds

Тhe never-changing fixed borrower 10% Interest → 8% Interest →

Borrower
terms of interest throughout Person
Liquidity Pools

the lease contract provides

predictability for future cash flows
and reward distributions towards
Flow

2% Buyback →
lenders

The cumulative profits of the

protocol lease contracts, swap 0.5% Spread →
spreads, and tx fees will buy back SWAPS
NLS tokens from the open market,
driving price appreciation of the
token Incentives
0.4% Fee → Pool Up to 15% →
TX FEES
 nolus.io

12

LIGHTNING-FAST L1 EASE OF USE

Built with the Cosmos SDK the
Nolus blockchain can handle the
throughput needs of Web3 at scale
Technology
with little to no additional cost for
transactions
The Nolus Application UI provides
quick, clear and understandable
experience to deter users from
giving up

DEVS THAT DELIVER

IBC ENABLED
The Inter-Blockchain
Communication protocol
(IBC) enables reliable,
ordered, and authenticated
communication with other
IBC enabled blockchains
Build by a team of exceptional
engineers that live and breathe
Blockchain & DLT with 10+ years of
development experience (on an
average)

SECURE CONTRACTS
Coded with Rust and executed
within the isolated sandboxing
model by CosmWasm and Web
Assembly enforces robust security
and multi-chain compatibility
 nolus.io

13

PRODUCT ROADMAP*

Milestone 2 Milestone 4
✓ Liquidation Engine → Fiat Ramp Integration
✓ Market Price Oracle → Web3auth Integration
✓ Token Swap Gateway → v2 MM Contracts
Roadmap

Q2 Q3 Q4 2023 Q1

Milestone 1 Milestone 3
✓ TESTNET Initiation  Interchain Liquid Staking
✓ Validators Onboarding  MAINNET Initiation
✓ v1 MM Contracts  ERC20 Token Support

2022

The product roadmap is indicative and subject to change

*
 nolus.io

14

24% 20% 19% 15%

Nolus Token
Max Supply Community Token Team & Inflation

1,000
DAO Treasury Sale Contributors Staking Rewards

MILLION
12% 5% 5%

Lenders Strategic Liquidity &

Incentives Partners Bug Bounty

COMMUNITY TEAM & INFLATION LENDERS STRATEGIC LIQUIDITY &

TOTAL TOKEN SALE
DAO TREASURY CONTRIBUTORS STAKING REWARDS INCENTIVES PARTNERS BUG BOUNTY

Maximum
1b 240m 200m 190m 150m 120m 50m 50m
Supply

% of total 100% 24% 20% 19% 15% 12% 5% 5%

Circulating
50m - - - - - - 50m
supply

Subject to
950m 240m 200m 190m 150m 120m 50m -
vesting

Vesting 95% 9m cliff; 15m cliff; 9m cliff;

36m linear 10 years based on TVL no such
period vested 24m linear 36m linear 24m linear
 nolus.io

15

NOLUS TOKEN

NLS token release schedule by quarter

based on the vesting and unlocking structures
Schedule

Community (DAO Treasury) Token Sale Team & Contributors Inflation (Staking Rewards)

Lenders Incentives Strategic Partners Liquidity & Bug Bounty

1000

900

800
Token Release Millions

700

600

500

400

300

200

100

Q0 Q1 Q2 Q3 Q4 Q5 Q6 Q7 Q8 Q9 Q10 Q11 Q12 Q13 Q14 Q15 Q16 Q17 Q18 Q19-Q40
 nolus.io

16

SEED ROUND

75m NLS tokens at $0.02 bound by 9 months

cliff and 24 months linear vesting

The proceeds of the seed funding will sustain the

Protocol’s operations and development over the next
18 months. All strategic participants will help grow
community, liquidity, and outreach
Offering

Backed by
 1
We look forward to
hearing from you
Please contact us for any further details or requests
Interested?
at investors@nolus.io

nolus.io