> For the complete documentation index, see [llms.txt](https://dayvidende.gitbook.io/dayvidende-whitepaper/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://dayvidende.gitbook.io/dayvidende-whitepaper/whitepaper/concept.md).

# Concept

Dayvidende is built on four pillars – diversification, passive income, cost, and time efficiency. Therefore, our offer is primarily targeted at individuals with limited capital who want greater diversification in their portfolios and aim to go beyond the top cryptocurrencies such as Bitcoin or Ethereum. These assets are unlikely to turn them into millionaires as they are already too large. At the same time, these investors (rightly) fear entering the altcoin market due to a lack of sufficient knowledge and experience. This is critical in a market prone to high volatility and rife with scams, which require a cool head to manage positions and thoroughly verify coins before purchase.

Despite the seemingly illusory diversification – since we manage the portfolio, and the investor only holds our token representing their share in the portfolio's profits and content – the goal is to achieve an effect similar to an ETF. In an ETF, despite high internal diversification of assets, the investor holds only one instrument and has no influence on the decisions made within. Similarly, in Dayvidende, we adhere to predefined guidelines regarding what and how we allocate capital raised from the issuance of the DVE token. We regularly distribute BNB tokens (the main cryptocurrency of the BNB blockchain) to DVE token holders.

Our time efficiency advantage lies in daily oversight and active portfolio management to minimize the risk of capital loss and maximize profits. This is simply challenging, if not impossible, for individuals with limited capital who must balance investing with work, running a business, and domestic responsibilities.

Cost efficiency involves minimizing transaction costs on blockchain networks, which often amount to several dollars or more. By executing high-value transactions simultaneously, where transaction costs are not dependent on their size, we mitigate these expenses. Simply put, individuals with smaller capital feel the impact of "gas" costs in blockchain networks much more acutely than we do when operating sums pooled from 100 or 1,000 small investors simultaneously. This is especially significant in our key source of income – automating liquidity pools in version three – where the high transaction costs create a high entry barrier for the average individual investor, even though the profits can be lucrative.

Furthermore, another important conceptual element is access to opportunities unavailable to individual investors due to insufficient capital. This includes investments in projects at the seed/pre-seed stage, where the entry threshold is very high and inaccessible to most individual investors. Additionally, such investments often require locking up capital for extended periods (often several years) and necessitate "contacts" within the industry or frequent attendance at industry events to stay ahead of the market and gain access to such offers. Dayvidende has these capabilities and possesses an additional advantage – a compelling bargaining chip in the form of a community of individual investors potentially interested in the project post-launch or during later fundraising stages.

After all, if a large company with substantial capital decides to invest, it must be a good opportunity. They have likely already assessed the coin’s potential risks, making it worthwhile to consider.


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