In recent years, blockchain, decentralized finance (DeFi), and artificial intelligence (AI) technologies have intersected and integrated across multiple fields, with the travel industry gradually becoming a focal point. Through the tokenization of real-world assets (RWA), on-chain financial services, and intelligent recommendation systems, a number of projects are attempting to provide value to both travelers and asset investors simultaneously.
I. Industry Background and Technological Context
1. Pain Points of Traditional Travel
High Intermediary Fees: OTAs (Online Travel Agencies) typically charge commissions of 15%–25%, reducing merchant profits and increasing consumer costs.
Low Asset Utilization: High-end hotels, vacation villas, yachts, and other assets often have high idle rates, with most people lacking opportunities to participate in asset returns, except for a few top-tier clients.
Disconnection in Financial Services: Cross-border lending, insurance, and installment payments often require cumbersome approvals in traditional travel, leading to a less smooth experience.
Insufficient Personalization of Experience: Most travel recommendations are based on generic tags, lacking deep responses to individual preferences and real-time needs.
2. New Opportunities with Web3 + RWA
From DeFi to RWA: DeFi has achieved innovations such as lending and liquidity mining in the crypto asset space; RWA breaks down real-world assets into on-chain tradable shares, allowing more investors to proportionally participate in high-end travel assets.
Automation through Smart Contracts: Asset issuance, profit distribution, and claims processes can all be executed through on-chain contracts, reducing intermediary intervention and dispute risks.
AI and Computing Power Incentives: AI algorithms create precise user profiles based on behavior, providing real-time product recommendations; simultaneously, user spending and social interactions are converted into "computing power," which is fed back into the system to optimize subsequent experiences.
II. Tokenization of Real-World Assets (RWA)
Coinsidings selects high-value travel assets (luxury hotel rooms, resort villas, yacht slots, etc.) and splits them into RWA tokens through smart contracts, offering both public and private issuance channels:
On-Chain Registration and Transparency: All asset information, share distribution, and profit rules are verifiable on the public chain, achieving immutability and auditability.
Secondary Market Trading: Token holders can freely buy and sell on decentralized exchanges or pledge shares to obtain low-interest loans for travel spending or reinvestment.
Profit Distribution: Rental income and appreciation are automatically distributed based on holding proportions, with smart contracts completing settlements according to preset cycles (e.g., quarterly).
This model helps enhance asset liquidity, transforming traditionally idle assets into tradable and lendable digital securities.
III. On-Chain Financial Services
Based on RWA, Coinsidings introduces travel lending, insurance, and payment solutions into the on-chain ecosystem, building an integrated financial service system:
1. Travel Lending
Users can use RWA tokens or the Swiss franc-pegged CHFT stablecoin as collateral to obtain short-term or medium-term loans.
There is no need for offline approval; loan applications and disbursements are executed by smart contracts, with funds directly usable for hotel bookings, car rentals, or flight payments.
2. Smart Contract Insurance
Decentralized insurance contracts are introduced to address common risks such as flight delays and hotel cancellations.
The claims process is automatically triggered, eliminating the need for manual review, thus improving both the speed and transparency of claims.
3. Multi-Currency Payments and Installments
The platform supports various payment methods, including CHFT, mainstream digital assets, and fiat currencies, with settlement paths routed by smart contracts to reduce exchange rates and transfer fees.
Installment payment options are also executed through contracts, simplifying approval processes and allowing for blockchain identity verification.
This financial service closed loop tightly integrates travel with DeFi, meeting users' funding needs at all stages of their journey.
IV. AI-Driven Intelligent Experience
Coinsidings combines AI algorithms with on-chain incentive mechanisms at the user experience level to build a "data-driven + reward loop":
- Multi-Dimensional User Profiling
AI models analyze users' booking history, browsing behavior, and social interactions to tag travel preferences (budget, destination, mode of travel, etc.).
- Personalized Recommendation Engine
Real-time matching of optimal hotel, car rental, and route combinations, with recommendations based on cost-effectiveness, ratings, user similarity, and other multiple indicators.
- Voice and Virtual Tour Guides
Providing a 24/7 multilingual AI voice assistant that supports instant Q&A and dynamic itinerary adjustments; utilizing AR/VR technology to achieve 3D restoration of attractions and historical scene recreation.
- Computing Power Feedback Mechanism
Every user expenditure and community contribution can be converted into computing power points, which are used to optimize model training and resource allocation, forming a continuously iterating recommendation loop.
Through the above, the platform enhances user satisfaction while continuously collecting high-quality data to drive service refinement.
V. Global Expansion and Compliance Outlook
Coinsidings has developed a multi-phase globalization roadmap, balancing technological implementation with compliance prudence:
1. Infrastructure Phase (2025)
Complete core system development: RWA issuance module, lending and insurance contracts, AI recommendation engine.
Launch CHFT stablecoin issuance and management mechanisms, ensuring reserve audits and compliance transparency.
2. Integration Deepening Phase (2026)
Expand secondary market exchanges and liquidity pools to enhance RWA token liquidity.
Introduce more financial tools: options contracts, staking mining, installment dividends, etc.
Connect with local tourism regulatory bodies and financial regulatory agencies to promote STO (Security Token Offering) pilots.
3. Listing and Scaling Phase (2027+)
Prepare for compliant listings on mainstream stock exchanges in Europe, America, or Asia, exploring the "equity-token parity" model.
Deepen multi-regional node deployment, connecting more hotel groups, car rental services, and airlines to form a cross-border ecological network.
Compliance challenges involve the securities nature of RWA, requiring that their issuance and trading comply with financial regulations in different countries; stablecoin management must also ensure transparency and security of asset reserves. The platform needs to continuously invest in technical audits, legal compliance, and operational processes.
VI. Industry Significance and Observational Focus
From a third-party perspective, Coinsidings' attempts represent an exploratory direction for the deep integration of the travel industry and Web3:
Demonstration Effect: If the liquidity and dividend efficiency of assets under the RWA model can be validated, it will provide a reference for other fields (such as commercial real estate and art).
User Experience Innovation: The application of AI + AR/VR, along with on-chain insurance and lending, indicates that travel services are undergoing an "end-to-end" intelligent transformation.
Dual Drive of Capital and Compliance: The project must balance technological iteration with regulatory alignment, and its success or failure will provide case studies for Web3's international expansion and financial compliance.
Future observational focuses include: the depth and pricing stabilization of the RWA secondary market; whether user retention and repurchase rates can form positive feedback; and the evolving attitudes and regulatory frameworks of local authorities towards on-chain travel financial services.
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