It felt a little premature to talk about our broader vision before we introduced the basics of Noon to you. But now that you have a little more information about us, let’s get into why we think Noon really matters - and will make a difference.

TLDR #richpeoplemoney

Noon gives everyone access to a yield-bearing asset which can be easily used as liquid currency—unlocking one of the rich's financial superpowers for you. We also prioritise meaningful decentralisation in our governance, ensuring you retain full control. This unlocks #richpeoplemoney for everyone.

The tilted playing field

The modern economic playing field is inarguably tilted in favour of the rich.As a proportion of net-worth, cash holdings tend to diminish with increasing income, as wealthy households gravitate towards putting their money to work. The logic is straightforward and easy to follow: lower income households have a larger portion of their income earmarked for non-discretionary spending - namely, housing, groceries, debt and taxes. Liquid capital is essential for this category. For this category, cash is king.

But from the perspective of return generation, cash is among the worst performing of all financial assets. It does not appreciate in value or earn a return / dividend. In the majority of economic climates, holding cash over time does not increase the holders’ wealth. In markets with positive inflation, your cash holdings lose value every second you hold them. In relative terms, holding cash makes you poorer.

The rich know this, which is why study after study have shown that as incomes increase, the share of household net worth held in cash decreases. Instead of cash, the rich hold assets that serve dual purposes. Simultaneously, these assets (1) generate yield and can be (2) composably used as collateral to borrow against. Think of companies using their inventory holdings as backing for a credit line, or wealthy individuals putting up their equity holdings as collateral to secure a (massive) loan.For those of us without access to this luxury, this class of assets, our financial potential will remain limited.

The Noon way forward

Noon aims to allow everyone access to these dual-purpose assets, creating a new base currency, for web3 and beyond. Our vision is for everyone, around the world, to be able to hold a yield-bearing stable asset like sUSN. which generates yield while having the ability to be used composably as currency.

Our users will be able to generate top-tier, delta-neutral yields while their assets are at work. For example, the capital you put up as collateral to borrow against will continue to earn interest, even as you deploy the borrowed funds.

This helps level the financial playing field - giving everyone access to richpeoplemoney.

How we make it stick

Leveling the playing field isn’t always popular with those who have benefited from this inequality. So we want to make it as hard as possible for anyone, or any group, to put a thumb on the scales in the future.

That is to say, we want not only to give you access to these dual-purpose assets, but to ensure that your access to these dual-purpose assets is never restricted. We want to make sure that our users have meaningful influence over the direction of Noon as a protocol. And yes, we want to make sure that you, our users, not well-connected investors, are the ones who benefit the most from our success.

This means we must distribute more governance tokens to our users than most of our peers, who typically allocate between 10% and 30%) to their users. No, we need to distribute the majority of our governance tokens to you, to ensure that you have meaningful influence, and are rewarded fairly.

This is why we are excited to distribute 65% to 80% of our governance tokens to you. This means that when the dust settles and our governance token distribution is completed, our users will be the ones who hold the overwhelming majority of $NOON.

Build your wealth at Noon

At Noon, we are not just offering another DeFi solution—we are opening the door to a new way of building wealth. Our platform bridges the gap between the rich and the rest, giving you access to dual-purpose assets that generate yield while being usable as currency. Whether you’re looking to build wealth over time or unlock liquidity today, Noon will help by giving you access to #richpeoplemoney.

However, we do not stop at just offering access. We are committed to giving you real control. How so? By distributing 65–80% of our governance tokens to our users, we ensure that you—not well-connected investors—have a say in our future aka your future. By shaping Noon’s growth, you shape your own financial future. We believe in the saying “it takes a village” - come and build with us.

Be part of creating a more inclusive, decentralized financial system for all. Together, we’ll redefine what wealth looks like and how it’s accessed. Are you ready to get started?

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