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Token Distribution

Summary of Token Sale

1. Token Supply

• Total Supply: 200,000,000 IFT tokens

• Initial Circulating Supply: 6,250,000 tokens (3.13% of total supply)

• Inflation Model: Deflationary, as AfriCred implements a buy-back and burn strategy where a portion of profits is used to repurchase and burn IFT tokens, ensuring scarcity and long-term value appreciation

2. Token Allocation

• Team & Advisors: 10%, 20,000,000 tokens Vesting: Locked and vested (specific details in vesting section)

• Private Sale & Public Sale: 35%, 70,000,000 tokens

• Community & Staking Rewards: 25%, 50,000,000 tokens

• Liquidity & Market Making: 5%, 10,000,000 tokens

• Treasury & Development: 20%, (40,000,000 tokens split across Treasury, Business, and Product Development)

3. Vesting & Lock-up Periods

• Team Tokens: 1-month cliff, linear unlock over 12 months

• Investor Tokens: Seed, Private Sale 1 & 2: 5% unlocked at TGE, 4-5 months cliff, linear vesting over 16-18 months.

• Community Incentives: Gradual release based on adoption and engagement

4. Utility of the Token

• Payments & Transactions: IFT serves as the primary payment token within the AfriCred ecosystem, including NFT purchases, merchant payments, and insurance products

• Staking & Rewards:
- Annual yield (APY) of 15-20% for stakers. - Buy-back and burn mechanism to increase token value

• Governance: Token holders have *voting rights on protocol changes, allocation of community funds, and new utilities

• Credit & Lending:
- IFT can be used as collateral for microloans. - Borrowers staking IFT receive lower interest rates (up to 5% discount)

• Discounts & Benefits:
- Discounts of 1-5% on Real-World Asset (RWA) investments. - Exclusive access to premium features and potential merchant benefits