Yalabit is the flagship product of Yalafi Global Technology, designed as a CeDefi (Hybrid) Application powered by the Ice Open Network (ION), to bring Escrow Services and P2P Crypto Trading On-Chain.

We uniquely balance decentralization (self-custodial wallets, blockchain settlement with Smart Contracts) with centralized controls (KYC, FIAT Custody, dispute resolution) to deliver safety, compliance, and usability.

Africa and emerging markets lack reliable, compliant, and user-friendly crypto solutions. Yalabit addresses this gap with a secure P2P exchange, escrow services, staking, and payments ecosystem.

The Problem

High-risk P2P markets:

Fraud, defaults, and no effective dispute resolution.

Most platforms such as Centralised Exchanges offering this services to the underserved regions like Africa are mostly Non-compliance to local regulations and often fails to handle disputes effectively.

Social Commerce Chaos:

Social media marketplace and Feeds are often the go-to place for younger generations to buy or sell goods and services. Most of these trades often end up in scams without a system to stand in between Buyers and Sellers.

Limited fiat on/off ramps: Especially in Africa, where banking systems restrict crypto usage.

Users fall back to P2P, which is poorly handle via Custodial systems.

Custodial risks:

Many platforms hold user funds, exposing users to hacks or misuse.

Poor compliance:

Platforms either ignore KYC/AML or impose restrictive barriers.

Yalabit Solution

Yalabit = Safe P2P + Decentralized Escrow + Fiat Integration.

Core Features:

1. Hybrid Escrow:

Crypto payments settled on-chain, handled by a powerful Smart Contracts 🔒

Optional Fiat Funding for Escrow. Fiat Balance (Yalabit Custodial) never leaves partner Commercial Bank, always ensuring Security and Safety.

Flexible fee rules: payer, receiver, or split.

2. P2P Marketplace:

Merchants create Buy/Sell Ads.

When selling, funds are instantly escrowed on ad creation, guaranteeing liquidity for buyers.

In-app chat: with monitoring and dispute resolution.

Designed to maintain Privacy and safety of both parties.

3. Instant Swap:

Users can swap from Fiat to Crypto, or Crypto to Fiat. This hybrid system enables users to spend from their Self-custodial wallet (ION Wallet) and receive Fiat in their Yalabit Fiat Balance, and vice versa.

4. Wallet:

Fiat Balance + Escrow Balance.

Crypto always remains in Users Self-custodial Wallet, never on Yalabit servers.

Active trade funding is signed and held safely in Smart Contracts powered Escrow 🔒 until terms of trade are met, unless disputed.

5. Staking & Merchant Verification:

Users who stake YALA token get 50% fee discounts.

Verified Merchants must stake a set minimum amount of Yalabit native token ($YALA) to qualify for Verified Merchant status 🥇

Regular users can trade anytime with posted ads, but cannot post ads Unless they become Merchants

(No fake-ads Zone)

6. Compliance + User Experience:

KYC tied with optional ION ID for decentralized identity. We ensure you and your bank account are the same entities

Fiat Deposit: Only from your own bank accounts

Fiat Withdrawals: Only to your Saved/Verified Bank Account Details.

Note: Business/Company Account requires additional verifications.

Admin tools for dispute handling, escrow overrides, and monitoring.

We ensure Disputes are handled carefully, with legal support when necessary 📝

What Yalabit Offer you?

• Safety First: Escrow ensures sellers cannot scam buyers and vice versa.

• Decentralization: Crypto stays in user-controlled ION Wallet.

• Compliance Ready: KYC, fee structures, admin oversight, Partnered Bank Fiat Custody.

• Market Fit: Designed for African & emerging economies with poor banking access.

• Ecosystem Token ($YALA): Drives staking, discounts, merchant verification, and governance, with Deflationary mechanism in place.

Why Ice Open Network Blockchain?

At the foundation of Yalabit lies the Ice Open Network (ION), a next-generation blockchain designed to bridge the gap between Web2 and Web3 adoption. Unlike traditional blockchains that often demand complex onboarding, ION combines scalability, user-friendly identity solutions, and multi-chain interoperability to make blockchain accessible to mainstream users.

One of the most powerful features of ION is its ION ID, a decentralized identity module that enables seamless one-click sign-ins and transaction authorization without exposing private keys.

For Yalabit, this creates a familiar and secure login experience for Web2 users while preserving the sovereignty and transparency of Web3.

ION also integrates MPC (Multi-Party Computation) wallet technology, which eliminates the need for seed phrases and complicated key management. This innovation allows Yalabit users to self-custody their funds with enterprise-grade security while enjoying the convenience of a standard mobile application.

From a performance perspective, Ice Open Network delivers low-cost, high-speed transactions designed for global-scale applications. This means P2P trading, escrow settlements, swaps, and staking on Yalabit can be processed reliably, even in high-volume conditions.

By building on ION, Yalabit is strategically positioned to onboard the next billion Web2 users into Web3, starting with Africa and expanding globally.

The combination of intuitive identity, secure wallets, and scalable infrastructure allows us to make blockchain services feel as simple as traditional fintech, while still delivering the transparency, programmability, and borderless access unique to decentralized technology.

In essence, Ice Open Network is not just our blockchain of choice—it is the bridge that empowers Yalabit to become a truly global, user-first decentralized financial ecosystem.

Learn more about Ice Open Nextwork at https://ice.io

Market Opportunity For Yalabit

Africa’s crypto adoption:

Highest P2P usage globally (Chainalysis 2024).

P2P volumes:

Billions USD monthly across Nigeria, Kenya, Ghana, etc.

Fiat-crypto gateway gap:

Strong need for compliant fiat integration.

Target audience:

Everyday users, freelancers, SMEs, merchants, and cross-border traders.

Merchants

Merchants are at the heart of Yalabit’s P2P and Escrow ecosystem.

We recognize that merchants provide the liquidity, trust, and reliability that drive sustainable adoption, which is why our model prioritizes strong incentives for them.

On the P2P market, verified merchants benefit from lower trading fees, higher transaction limits, and priority listing visibility. To ensure quality, merchants are required to stake a minimum threshold of YALA tokens, aligning their success with the health of the ecosystem. This staking not only secures their merchant status but also unlocks additional benefits such as zero-fee trading on their own adverts.

In the Escrow market, merchants enjoy streamlined onboarding for goods and services transactions, with dedicated dispute resolution support and flexible settlement options in both fiat and crypto. Yalabit incentivizes long-term merchant participation by offering enhanced reputation scoring, preferential access to promotional features, and discounted Escrow fees.

By focusing on merchant incentives, Yalabit ensures that buyers and sellers always have access to trusted, professional partners—bridging the gap between Web2 and Web3 commerce while driving ecosystem growth.

YALA Token

Yala Token ($YALA) is the native digital asset powering the Yalafi Global Technology ecosystem, beginning with our flagship product, Yalabit.

Designed as a true utility token, YALA enables seamless participation, rewards, and governance across all products and services within the ecosystem.

In Yalabit, YALA serves as the foundation for user incentives, transaction fee discounts, merchant verification staking, and escrow facilitation. Beyond Yalabit, YALA will integrate into Yalapay for payments and remittance, YalaWallet for decentralized self-custody and transfers, and Yalafi for financial services such as staking, lending, and swaps.

By bridging the decentralized world of blockchain with the regulated needs of fiat finance, YALA empowers users with freedom, trust, and utility. It is not just a token—it is the fuel for a growing ecosystem designed to bring blockchain technology to everyday users across Africa and the globe.

Tokenomics

$YALA Supply: ONE Billion Max.

Utility:

• Fee discounts

• Merchant verification stake.

• Staking rewards

• Fiat Balance APY rewards

• Ecosystem Governance

Allocation:

• Community Rewards: 30% (Not Vested)

• Team Allocation 25% (Locked for 3yr)

• Ecosystem Reward Pool 20% (Vested for 3yr)

• Ecosystem Development 15% (Vested for 3yr)

• Treasury Pool 10% (Locked for 3yr)

Platform Fees:

Yalabit charges transaction fees on some activities within the app.

Fees are charged in the transaction currency, not necessarily Yala Token, unless YALA is the transaction currency.

• 20% of the fee is used to Buy-back $YALA from the open market and burn weekly.

• 20% of the fee goes into "Ecosystem Reward Pool", Making sure stakers are rewarded as platform grows.

• 20% of the fee is dedicated to Marketing, Partnerships and liquidity respectively.

• 40% of the fee is for platform maintenance and team.

Deflationary Mechanism of YALA Token

A core pillar of YALA’s long-term sustainability is its deflationary design. Unlike inflationary tokens that dilute value over time, YALA integrates multiple, verifiable mechanisms to continuously reduce circulating supply and align token value with ecosystem growth.

1. Revenue-Backed Buybacks:

Every transaction on Yalabit generates fees. Regardless of whether these fees are charged in fiat or crypto, 20% of all collected fees are allocated weekly to market buybacks of YALA tokens, which are then permanently burned. This process ensures that the success of the platform directly translates into increased scarcity of YALA.

2. Fiat Balance APY Allocation:

User fiat balances stored within Yalabit earn yields through regulated financial instruments. A portion of this yield is systematically used to buy back YALA tokens on the open market, which are then destroyed. This unique tie between off-chain fiat yield and on-chain scarcity creates a sustainable feedback loop that links Web2 financial activity with blockchain value accrual.

3. Percentage Burn of Platform Revenues:

Beyond the dedicated 20% buyback program, a fixed percentage of all platform revenues are earmarked for direct burns. Whether derived from escrow fees, P2P transactions, staking fees, or swap margins, a portion of every revenue stream contributes to the ongoing reduction of token supply.

4. Staking and Utility Burns:

Staking YALA unlocks benefits such as reduced fees and merchant verification. To reinforce scarcity, administrative penalties, and specific utility unlocks may trigger partial burns of the staked or allocated tokens, further contributing to supply contraction.

5. Continuous Transparency:

All buyback and burn transactions are executed on-chain, visible to the community in real time. Weekly burn reports will be published, providing full accountability and reinforcing trust in the sustainability of the mechanism.

In essence, YALA’s deflationary model is not speculative but revenue-anchored. Each transaction, each fiat yield cycle, and each platform service creates measurable deflationary pressure. By continuously reducing supply while expanding ecosystem demand, YALA is engineered to preserve value for holders and ensure the longevity of the Yalabit ecosystem.

Business Model

Transaction Fees:

Escrow + P2P trades + Swaps + Fiat Handling + Staking

Staking Economy:

Locked liquidity through $YALA staking.

Merchant Services:

Verified Merchant Stakes.

Escrow Premiums:

Timers, dispute resolution, Crypto – Fiat Auto Conversions.

Roadmap

Phase 1: Q3 – Q4 2025

· Token Generation Event Of $YALA Token.

· Yalabit App (Android)

· Launch P2P + Escrow + Wallet (Fiat + Escrow Balances).

Phase 2: Q1 2026

· DApp on Online+

· Rollout Staking & Verified Merchant system.

Phase 3: Q3 2026

· Cross-border fiat payments + merchant APIs.

Phase 4: Q1 2027

· Expand into Pan-African and Global markets

· YalaWallet, Yalapay, Yalafi App

Our Future Plans

At Yalafi Global Technology, Yalabit marks only the beginning of our mission to build a robust blockchain-powered financial ecosystem. Our vision extends beyond P2P trading and escrow services, aiming to create an interconnected suite of products that empower individuals and businesses globally.

YalaWallet:

We are developing YalaWallet, a Multi-Party Computation (MPC) self-custodial wallet that ensures users maintain full control over their private keys while enjoying enterprise-grade security. YalaWallet will support multi-chain assets, seamless cross-border transfers, and integration across our ecosystem, serving as the backbone of secure digital asset management.

Yalapay:

Our next major innovation is Yalapay, a blockchain-powered payment processor and remittance platform. Designed to bridge the gap between crypto and fiat, Yalapay will enable merchants and individuals to accept, send, and settle payments with low fees and instant confirmation—bringing blockchain utility into everyday transactions.

Yalafi App:

Building on DeFi’s transformative potential, Yalafi will be our all-in-one decentralized finance app, offering lending, borrowing, staking, and NFT utilities. By combining traditional financial functions with Web3 innovation, Yalafi will unlock new opportunities for users to grow and maximize the value of their digital assets.

Together, these future products will interconnect seamlessly with Yala Token ($YALA) at the core, ensuring a unified ecosystem where utility, security, and accessibility drive mass adoption.

Compliance & Regulations

Yalabit is designed to balance decentralization and regulatory compliance by separating how it handles crypto and fiat activities.

Crypto Transactions: On-chain crypto trades, swaps, staking, and wallet interactions remain fully decentralized. Users transact directly through their self-custodial wallets, preserving privacy, autonomy, and the trustless nature of blockchain. No KYC is required for on-chain activities.

Fiat Transactions: Fiat deposits, withdrawals, and escrow involving government-issued currencies are processed in a centralized and regulated manner. These flows require Know Your Customer (KYC) and Anti-Money Laundering (AML) compliance, ensuring security and legal alignment in fiat-related operations.

Balanced Approach: By keeping crypto decentralized and fiat compliant, Yalabit ensures users enjoy the benefits of blockchain freedom while meeting necessary safeguards for traditional financial systems.

This hybrid model allows Yalabit to operate as a bridge between Web3 and traditional finance, protecting users without compromising decentralization.

Closing Remarks

Yalabit is the next-generation CeDefi Platform for Africa and beyond:

Decentralized where it matters (wallets, custody, security).

Centralized where it’s needed (compliance, dispute resolution, fiat integration).

Tokenized to drive user engagement, liquidity, incentives, and ecosystem growth.

Yalabit is not just another P2P platform — it’s a safer, compliant, and scalable financial bridge for the next billion crypto users.