This presentation outlines the strategic collaboration between DiamondBack (DBK) and Cashalo. It demonstrates how DBK's Civic Circle model, combined with Cashalo's microfinance expertise, creates a sustainable win-win-win model: empowering communities, expanding Cashalo's reach, and growing DBK adoption across the Philippines.
1. Shared Vision
Cashalo's Mission
Cashalo empowers Filipinos with access to credit and digital finance.
DBK's Foundation
DBK provides a fixed-price, inflation-proof complementary currency backed by real assets.
Civic Circles Impact
Civic Circles bring barangay-level trust, governance, and participation.
Together We Deliver
Deliver inclusive finance and community empowerment at scale.
2. What are DBK Civic Circles?
DBK Civic Circles are barangay-level community associations made up of sari-sari stores, SMEs, cooperatives, and households. They:
Grassroots Governance
Serve as a grassroots governance and trust layer for DBK adoption.
Resource Pooling
Pool DBK contributions, remittance slices, and reward revenues from DBK minting.
Democratic Decision Making
Vote democratically on local projects (e.g., clinics, water systems, livelihood programs).
Credit Access
Allocate funds to Cashalo-managed microloan pools, creating local credit access.
Revenue Sharing
Share in loan repayment revenues, ensuring sustainability and accountability.
3. Cashalo's Role in the Ecosystem
Loan Pool Management
Manage and deploy DBK-funded microloan pools through Civic Circles.
Infrastructure Services
Provide origination, servicing, and repayment infrastructure.
Sustainable Revenue
Earn management and servicing fees sustainably.
Built-in Customer Base
Benefit from a built-in borrower base as Civic Circles expand DBK adoption.
National Partnership
Position as the national partner for inclusive finance and barangay empowerment.
4. The Win-Win-Win Model
WIN for Cashalo
Expanded loan book, sustainable fees, stronger national impact.
WIN for Civic Circles & Communities
Funds for local projects, access to credit, revenue sharing.
WIN for DBK
Deeper grassroots adoption, proof of complementary currency utility, global legitimacy.
5. The Flywheel Effect
The following cards demonstrate the powerful flywheel effect that drives sustainable growth through the DBK × Cashalo collaboration.
6. DBK usage grows → new DBKs minted.
DBK usage grows → new DBKs minted.
As more Filipinos adopt DBK for daily transactions, the increased usage triggers the minting of new DBK tokens, creating the foundation for the entire ecosystem.
7. Minting generates reward revenue → Civic Circles receive funds.
Minting generates reward revenue → Civic Circles receive funds.
The minting process generates reward revenues that flow directly to Civic Circles, providing them with capital to fund community initiatives and loan pools.
8. Civic Circles allocate funds to Cashalo → loans disbursed.
Civic Circles allocate funds to Cashalo → loans disbursed.
Civic Circles democratically decide to allocate portions of their funds to Cashalo-managed loan pools, enabling the disbursement of microloans to community members.
9. Cashalo manages loans → earns fees, ensures repayments.
Cashalo manages loans → earns fees, ensures repayments.
Cashalo leverages its expertise to manage the loan portfolio, earning sustainable servicing fees while ensuring transparent repayment processes back to the Civic Circles.
10. Repayments recycle → Civic Circles earn shared revenue.
Repayments recycle → Civic Circles earn shared revenue.
As borrowers repay their loans, the revenue flows back to Civic Circles, creating a sustainable revenue-sharing model that strengthens community ownership and accountability.
11. The cycle repeats stronger each time, sustaining growth.
The cycle repeats stronger each time, sustaining growth.
The flywheel demonstrates how each component strengthens the others: DBK provides capital, Civic Circles govern, Cashalo manages credit, and communities grow.
12. Benefits for Cashalo
Capital Access
Access to DBK-backed capital for loan expansion.
Sustainable Revenue
Sustainable revenue through servicing fees.
Lower Risk
Lower risk due to Civic Circle participation in loan repayment revenues.
National Profile
Enhanced national profile as a leader in inclusive finance.
Ecosystem Exposure
Exposure to DBK's grassroots and global ecosystem.
13. Benefits for Civic Circles & Communities
Direct Project Funding
Direct funding for barangay-level projects chosen by members.
Microloan Access
Access to microloans managed by Cashalo, funded by DBK contributions.
Revenue Sharing
Shared revenue from loan repayments → ownership and accountability.
Economic Resilience
Local economic resilience through DBK's stable foundation.
14. Benefits for DBK
Proof of Concept
Proof of DBK as a complementary currency and stablecoin in daily use.
Grassroots Adoption
Expanded grassroots adoption via barangays and communities.
Credit Integration
Integration with credit infrastructure through Cashalo.
Increased Legitimacy
Increased legitimacy with BSP, CEZA, and international partners.
15. Next Steps
Partnership Framework
Formalize partnership framework between DBK and Cashalo.
Pilot Barangays
Identify pilot barangays for Civic Circle + microloan rollout.
Loan Pool Design
Design loan pool structures with DBK contributions.
Success Metrics
Co-develop KPIs for success: loan volume, repayment rates, projects funded.
Regulatory Launch
Launch under CEZA sandbox with BSP observation.
16. Illustrative Guide to the Flywheel Diagram
The following text provides a step-by-step guide to explaining the DBK × Cashalo Flywheel Model diagram during presentations. It can be used as presenter notes for clarity.
17. DBK Monetary System (Liquidity + Capital)
DBK Monetary System (Liquidity + Capital): DBK provides fixed-price, asset-backed liquidity. New DBKs minted through usage generate reward revenues, which are channeled into Civic Circles.
18. Civic Circles / Barangays (Governance + Funds)
Civic Circles / Barangays (Governance + Funds): Civic Circles pool DBK contributions, remittance inflows, and minting revenues. Members vote on whether to fund community projects or allocate to Cashalo-managed loan pools.
19. Cashalo (Loan Management)
Cashalo (Loan Management): Cashalo manages DBK-funded loan pools, originates and services loans, earns servicing fees, and ensures repayments flow transparently back into Civic Circle funds.
20. Community Economy (Sari-Sari Stores, SMEs, Families)
Community Economy (Sari-Sari Stores, SMEs, Families): Loan recipients use funds for working capital, inventory, and household needs. DBK is also used as a stable currency for trade, payments, and savings.
21. Remittances (OFWs → Families)
Remittances (OFWs → Families): Families receive remittances in DBK. A portion flows into Civic Circle funds, expanding capital pools and keeping remittance money circulating locally.
22. Win-Win-Win Outcomes (Center of Flywheel)
Win-Win-Win Outcomes (Center of Flywheel): DBK expands adoption, Cashalo gains new loan capital and sustainable revenues, and communities gain access to credit, fund barangay projects, and share in repayment revenues.
The cycle repeats: DBK usage leads to Civic Circle revenues → Cashalo-managed loans → community growth → repayments and remittances recycling → stronger Civic Circles. Each turn of the flywheel reinforces the ecosystem.
DBK × Cashalo Collaboration Presentation