Dinari

Overview

Dinari is building the infrastructure to provide non-U.S. retail investors with tokenized access to U.S. public equities through blockchain technology. Operating through a B2B2C (business-to-business-to-consumer) model, Dinari partners with neobanks, fintech applications, and embedded finance platforms that want to offer their customers regulated exposure to U.S. stocks using blockchain-based infrastructure.

By tokenizing shares of U.S. public companies, Dinari enables international investors to gain access to American stock markets through their local platforms without the complexity and cost barriers of traditional cross-border brokerage. Each token represents economic exposure to actual shares held in custody, providing users with the investment performance of U.S. equities combined with the efficiency, programmability, and 24/7 availability of blockchain technology.

Features

• Tokenized U.S. Equities: Access to major U.S. public stocks as blockchain-based tokens.
• B2B2C Distribution: Partner with local platforms rather than directly serving end consumers.
• Non-U.S. Focus: Specifically designed for international retail investors outside the United States.
• Regulatory Compliance: Fully compliant structure for offering U.S. equity exposure across jurisdictions.
• Real Share Backing: Tokens represent economic rights to actual shares held in regulated custody.
• Fractional Ownership: Enable fractional share purchases through tokenization.
• 24/7 Trading: Potential for around-the-clock trading depending on partner platform implementation.
• Blockchain Efficiency: Leverage blockchain for instant settlement, programmability, and reduced costs.
• White-Label Integration: Platform partners can offer tokens under their own brand.
• Multi-Chain Support: Deploy tokens across multiple blockchain networks.
• API Integration: Comprehensive APIs for platform partners to integrate equity tokens.
• Corporate Actions: Automatic handling of dividends, splits, and other corporate actions.
• Transparent Pricing: Clear fee structure for token purchase, holdings, and redemptions.
• Custody and Safety: Underlying shares held by regulated custodians.

Getting Started

For Platform Partners (Neobanks, Fintechs, Embedded Finance):

1. Partnership Discussion: Contact Dinari to explore partnership opportunities for your platform.

2. Platform Assessment: Evaluate fit for your user base:

   • Confirm your users are primarily non-U.S. residents
   • Assess demand for U.S. equity exposure
   • Review regulatory requirements in your operating jurisdictions
   • Determine integration approach and timeline

3. Legal and Compliance: Work with Dinari on legal structure:

   • Establish compliant offering structure for your markets
   • Navigate local securities regulations
   • Set up necessary licensing or partnerships
   • Implement KYC/AML procedures

4. Technical Integration: Integrate Dinari's technology:

   • Connect to Dinari's APIs for token issuance and redemption
   • Integrate with your platform's wallet infrastructure
   • Implement user interfaces for equity token trading
   • Test in sandbox environment
   • Ensure corporate actions handling

5. Launch: Go live with tokenized U.S. equities:

   • Offer selected U.S. stocks as tokens to your users
   • Enable users to buy, hold, and sell equity tokens
   • Provide transparent reporting on holdings and performance
   • Handle customer support with Dinari's assistance

For Investors:

1. Access Dinari-powered equity tokens through partner platforms in your region
2. Complete KYC with your platform
3. Fund your account through local payment methods
4. Purchase tokenized U.S. stocks available on the platform
5. Hold tokens in your wallet or custody solution
6. Receive dividends and benefits of underlying shares
7. Sell or redeem tokens as needed

Avalanche Support

Dinari's multi-chain architecture supports deployment across various blockchain networks. As an EVM-compatible platform, Avalanche C-Chain provides an excellent environment for Dinari's tokenized equities, offering high throughput, low transaction costs, and fast finality—ideal characteristics for equity token trading and settlement.

Supported Equities

Dinari provides tokenized access to major U.S. public companies:

• Technology Stocks: Leading tech companies like Apple, Microsoft, Google, Amazon, Meta, Tesla
• Financial Services: Major banks and financial institutions
• Healthcare: Pharmaceutical and healthcare companies
• Consumer: Consumer goods and retail companies
• Industrial: Manufacturing and industrial companies
• Energy: Energy and resource companies

The specific list of available tokenized equities may vary by platform partner and jurisdiction.

Use Cases

Dinari's infrastructure serves multiple platform types:

Neobanks: Digital banks can offer customers investment capabilities in U.S. stocks without building brokerage infrastructure.

Fintech Apps: Consumer fintech applications can add U.S. equity investing as a feature.

Crypto Exchanges: Cryptocurrency exchanges can expand offerings to include tokenized stocks.

Embedded Finance Platforms: Platforms offering embedded financial services can integrate equity investing.

Wealth Management Apps: Digital wealth managers can provide U.S. market exposure to international clients.

Investment Platforms: International investment platforms can offer U.S. stocks to their user base.

Platform Partner Benefits

Turnkey Solution: Dinari handles legal structure, custody, corporate actions, and blockchain infrastructure.

Regulatory Compliance: Compliant framework reduces regulatory burden on platform partners.

Market Expansion: Add popular U.S. stocks to platform offerings without brokerage licensing.

Revenue Opportunity: Share in revenue from user trading and holdings.

Quick Integration: API-based integration enables faster time to market.

White-Label: Offer equity tokens under your own brand and user experience.

No Custody Burden: Dinari manages underlying share custody and corporate actions.

Blockchain Benefits: Leverage blockchain efficiency while offering traditional assets.

Investment Benefits for End Users

Access to U.S. Markets: Invest in American companies from anywhere in the world.

Lower Barriers: Reduced minimum investments through fractional tokenization.

Local Platform: Access through familiar local platforms in local languages.

Blockchain Efficiency: Faster settlement and potentially lower costs than traditional brokers.

Fractional Shares: Buy small portions of expensive stocks.

Transparent Ownership: Clear blockchain-based record of token holdings.

Potential 24/7 Trading: Ability to trade outside traditional market hours (platform dependent).

Legal and Compliance Structure

Dinari maintains comprehensive compliance:

• Securities Compliance: Tokens structured as compliant securities or derivatives
• Multi-Jurisdictional: Frameworks adaptable to different international regulations
• U.S. Securities Laws: Proper structure for exposure to U.S. equities
• Custody Regulations: Underlying shares held by regulated custodians
• AML/KYC: Integrated compliance processes through platform partners
• Corporate Actions: Legally compliant handling of dividends, splits, and proxy voting
• Regular Audits: Third-party audits of share backing and operations

Technology Infrastructure

Dinari provides comprehensive technology:

• Token Issuance: Smart contracts for minting and burning equity tokens
• APIs: RESTful APIs for platform integration
• Multi-Chain: Deploy tokens across multiple blockchains
• Oracle Integration: Price feeds for accurate token valuations
• Corporate Actions Engine: Automated handling of dividends and other events
• Custody Interface: Connection to regulated custodians holding underlying shares
• Compliance Layer: Smart contract-based restrictions for regulatory compliance
• Reporting: Tools for transparency and regulatory reporting

Pricing

Dinari offers competitive pricing for platform partners:

• Partnership Fees: Revenue sharing arrangements with platform partners
• Token Fees: Fees on token issuance and redemptions
• Management Fees: Potential annual fees on tokenized holdings
• Platform Integration: Setup and ongoing platform access fees
• Custom Structures: Tailored pricing for large partners

Contact Dinari for specific pricing based on your platform and expected volumes.

Backing and Trust

Regulated Custody: Underlying U.S. shares held by regulated custodians.

Real Share Backing: Each token economically represents actual shares, not derivatives or synthetic exposure.

Transparent Operations: Regular attestations and disclosures of share backing.

Experienced Team: Leadership with backgrounds in traditional finance, fintech, and blockchain.

Compliance First: Regulatory compliance built into the model from inception.

Competitive Advantages

International Focus: Purpose-built for non-U.S. investors, not U.S. retail market.

B2B2C Model: Partner with existing platforms rather than competing with them.

Regulatory Expertise: Navigated complex cross-border securities regulations.

Blockchain-Native: Built for blockchain from the ground up, not adapting legacy systems.

Fractional Access: Tokenization enables fractional ownership of any U.S. stock.

Corporate Actions: Automated handling reduces operational complexity for partners.

Multi-Chain: Flexibility to deploy where partner platforms operate.

Conclusion

Dinari is democratizing access to U.S. public equities for international investors by combining the power of tokenization with a B2B2C distribution model. By partnering with neobanks, fintech platforms, and embedded finance providers, Dinari enables millions of non-U.S. investors to gain exposure to American stocks through local platforms they already trust and use. With proper regulatory structures, real share backing, and blockchain efficiency, Dinari provides the infrastructure that bridges traditional U.S. equity markets with the global digital economy. Platform partners on networks like Avalanche can leverage Dinari's technology to offer their users a differentiated investment product that was previously difficult or impossible to provide, creating new revenue opportunities while serving customer demand for U.S. market access.