Bird.Money

Decentralized lending platforms are a prime example of how blockchain technology and cryptocurrency are changing the financial landscape. In the past, banks and other financial powerhouses were the primary ways people earned interest on their money. With new protocols being developed every day, cryptocurrency has proven to be a solid option when it comes to storing your money for a return. One of these new protocols that are looking to further innovate the earning/lending niche of blockchain is Bird.Money.

Bird.Money is an ERC20 token (Contract Address: 0x70401dFD142A16dC7031c56E862Fc88Cb9537Ce0) which acts as a non-custodial digital asset lending and borrowing platform. Bird.Money is based on current decentralized lending platforms, but with various changes to bring an even more innovative environment.

What makes Bird.Money so unique is how it plans on using Off-Chain Oracle Analytics to help reduce the risk investors face before they begin to interact with the ecosystem.
The way this helps benefit the ecosystem as it’s quite simple and easy to see from a glance. Users who provide as much information as possible in regards to their transaction history will require less collateral than normally required. This provides an extremely transparent view to other lenders or borrowers which in turn creates a safer ecosystem. Users who supply this information will also get additional access to $BIRD tokens which are available to borrowers without addition collateral. The amount of $BIRD tokens the borrower can receive is based on the user’s Off-Chain Oracle Analytics transaction history and rating.

There will be an Off-Chain API interface for third party integration with other companies, developers, and deFi apps. Some of the features available include ETH account analytics POST and GET endpoints. Other features such as account blacklist, Oracle integration with external data directories, on-chain and off-chain equity measurement, on-chain and off-chain assets measurement will be released in the next coming weeks.


More features such as account blacklist, smart contract analysis, a loan aggregation engine, and investment intelligence will be added to the API soon and will be free to the $BIRD community members.

Oracles provide a solution to the transparency issue many cryptocurrency projects face. By taking off-chain information and supplying the data in an immutable way, smart contracts can pull data from the oracle from blocks that contain the information. The information transmitted from the oracle can include things that can’t be tracked or monitored by the blockchain. This includes user payment information, changing/updating government policies, real-world events (such as economical crises, pandemics, etc.), and even user account history.


By providing a completely transparent layer of transparency, trust is gained from lenders and borrowers in a way unseen in the cryptocurrency industry. For example, Instead of blindly lending someone Ethereum without any sort of history or proof of previous fulfillment of lending requirements, a lender can look into the user's past ability to repay what is owed on what was borrowed. This allows the lender to have a sense of confidence or lack-there-of in the user depending on their information. Other factors can also influence this confidence. But it would not be possible without the added oracle layer.

By adding pooled assets with the addition of the ability to use BIRD + tokens while also taking advantage of the Collateral Debt Position which is utilized by both Compound and Aave, users will have an entirely different experience not seen with any other lending platform. With $BIRD, you can borrow the sum of up to 66% of your collateral (for example, you can borrow 66 Ethereum in its equivalent value in DAI with 100 Ethereum posted as collateral).

Users who take out additional borrowed $BIRD would be subject to interest and would have to fulfill payment at a set time. If the user is unable to fulfill their payback agreement, the user would be subject to a negative analytic rating which would lessen their chances of being granted another loan on the platform. Interest would also be reduced to a minimum to incentivize repayment.

Off-Chain Analysis being utilized to help build trust in the lending and borrowing cryptocurrency niche is something that has not been explored. Bird.Money is taking the opportunity to create a more trustworthy ecosystem while also providing an incentive to participate in borrowing and lending to increase your analysis score. Before, anyone could get a loan, whether or not they had a history of paying back their loan or avoiding their debt. With the ability to use real-life information and events as a factor in the decision, users can worry less about credibility and trustworthiness and focus on using their assets to help grow their portfolios while participating in a new, innovative, and trailblazing platform.

Our team consists of 11 hardworking team members including Kirby / Financial Technology Expert, Cryptograficos / Brand and Operations Manager, Simba / Lead Developer, Jason / Developer, Aylin / Designer, Deborah / Strategic Partnership & Cooperation, JJack / Community Manager/ Marketing Manager, Stanley / Community Manager, Leo/ Blockchain software engineer, NoOne/ Designer, and Zazu / Developer. Rest remains anonymous due to their regulations in their country. 

Our Telegram community consists of over 2 thousand members and more than 670 buyers/holders. 

We are asking to raise at least 10,000$ to fund for marketing and to pay the team members.

Thank you for your time and consideration. 


Our Website: https://bird.money/

Please email at [email protected] for any questions or concerns.