Third-party perspective on the Coinsidings ecosystem: Exploring digital luxury travel

In recent years, Blockchain, Decentralized Finance (DeFi), and Artificial Intelligence (AI) technologies have been intersecting and merging in various fields, with the tourism industry gradually becoming a focal point. Through the tokenization of real-world assets (RWA), on-chain financial services, and intelligent recommendation systems, a number of projects are attempting to provide value for both travelers and asset investors.

1. Industry Background and Technical Context

1. Pain points of traditional tourism

• High intermediary fees: OTAs (Online Travel Agencies) typically charge a commission of 15% - 25%, reducing merchant profits and increasing consumer costs.
• Low Asset Utilization Rate: High-end hotels, vacation villas, yachts, and other assets have a high idle rate, and most people have no opportunity to participate in asset returns except for a few top clients.
• Disconnection of Financial Services: Cross-border lending, insurance, and installment payments often require cumbersome approvals in traditional travel, resulting in a less smooth experience.
• Lack of Personalized Experience: Most travel recommendations are based on generic tags, lacking a deep response to personal preferences and real-time needs.

2. New Opportunities of Web3+RWA

• DeFi to RWA: DeFi has achieved innovations such as lending and liquidity mining in the field of crypto assets; RWA splits physical assets into on-chain tradable shares, allowing more investors to participate proportionally in high-end tourism assets.
• Smart Contract Automation: Asset issuance, yield distribution, and claims processes can all be executed through on-chain contracts, reducing intermediary involvement and dispute risks.
• AI and Computing Incentives: AI algorithms create precise portraits of user behavior and recommend products in real-time; at the same time, user consumption and social interactions are converted into "computing power" and fed back into the system to optimize subsequent experiences.

2. Tokenization of Real-World Assets (RWA)

Coinsidings selects high-value tourism assets (luxury hotel rooms, resort villas, yacht time slots, etc.), and splits them into RWA tokens through smart contracts, providing both public and private issuance channels:

• On-chain Registration and Transparency: All asset information, share distribution, and profit rules can be checked on the public blockchain, achieving immutability and auditability.
• Secondary Market Trading: Token holders can freely buy and sell on decentralized exchanges or stake their shares to obtain low-interest loans for travel consumption or reinvestment.
• Profit Distribution: Asset rental and appreciation are automatically distributed as dividends based on holding proportion, with the smart contract completing settlement according to the preset period (e.g., quarterly).

This model helps enhance asset liquidity by converting traditional idle assets into tradable and lendable digital securities.

3. On-chain Financial Service

Based on RWA, Coinsidings introduces travel lending, insurance, and payment solutions into the on-chain ecosystem, building an integrated financial service system:

1. Travel Loan

Users can use RWA tokens or CHF-pegged CHFT stablecoins as collateral for short- or medium- to long-term loans.

No offline approval is required; loan applications and disbursements are executed by smart contracts, and funds can be used directly for hotel bookings, car rentals, or airline ticket payments.

2. Smart Contract Insurance

Introduce decentralized insurance contracts for common risks such as flight delays and hotel cancellations.

The claims process is automatically triggered, eliminating the need for manual review, which enhances both the speed and transparency of claims.

3. Multi-Currency Payments and Installments

The platform supports multiple payment methods for CHFT, mainstream digital assets, and fiat currencies, with settlement paths routed by smart contracts to reduce exchange rates and transfer fees.

The installment payment option is also executed through contracts, simplifying the approval process and can be embedded with Blockchain identity verification.

This financial service closed loop closely integrates travel with Decentralized Finance, meeting users' funding needs at various stages before, during, and after their trip.

4. AI-driven Intelligent Experience

Coinsidings combines AI algorithms with on-chain incentive mechanisms at the user experience level to build a "data-driven + reward loop":

• Multi-dimensional User Profile

AI models comprehensively analyze users' booking history, browsing behavior, and social interactions to tag travel preferences (budget, destination, mode of travel, etc.).

• Personalized Recommendation Engine

Real-time matching of optimal hotel, car rental, and route combinations, with recommended results based on multiple indicators such as cost-performance ratio, ratings, user similarity, and more.

• Voice and Virtual Guide

Provides a 24/7 multilingual AI voice assistant that supports instant Q&A and dynamic itinerary adjustments; utilizes AR/VR technology to achieve 3D restoration of attractions and historical scene reenactment.

• Hash Rate Feedback Mechanism

Each user's spending and community contributions can be converted into computing power points, which are used to optimize model training and resource allocation, forming a continuously iterative recommendation loop.

Through the above, the platform can continuously collect high-quality data while improving user satisfaction, driving the refinement of services.

V. Global Expansion and Compliance Outlook

Coinsidings has established a multi-phase global strategy that balances technological implementation with regulatory prudence:

1. Infrastructure Phase (2025)

• Complete core system development: RWA issuance module, lending and insurance contracts, AI recommendation engine.
• Launch the CHFT stablecoin issuance and management mechanism to ensure reserve audit and compliance transparency.

2. Integration Deepening Period (2026)

• Expand secondary market exchanges and liquidity pools to enhance RWA token liquidity.
• Launch more financial tools: options contracts, staking mining, installment dividends, etc.
• Connect with local tourism regulatory authorities and financial regulatory agencies to promote STO (Security Token Offering) pilot.

3. Market Launch and Scaling Phase (2027+)

• Prepare for compliant listing on mainstream stock exchanges in Europe, America, or Asia, exploring the "stock-coin parity" model.
• Deepen the deployment of multi-regional nodes, connecting more hotel groups, car rental services, and airlines to form a cross-border ecological network.

Compliance challenges involve RWA with securities attributes, and their issuance and trading must comply with financial regulations of different countries; stablecoin management must also ensure transparency and security of asset reserves. The platform needs to continuously invest in technical audits, legal compliance, and operational processes.

6. Industry Significance and Observational Focus

From a third-party perspective, Coinsidings' attempt represents an exploration direction for the deep integration of the tourism industry and Web3:

• Demonstration Effect: If the liquidity and dividend efficiency of assets under the RWA model can be verified, it will provide a reference for other fields (such as commercial real estate and art).
• User Experience Innovation: The application of AI+AR/VR, as well as on-chain insurance and lending, indicates that travel services are undergoing an "end-to-end" intelligent transformation.
• Capital and Compliance Dual Drive: Projects need to balance technological iteration with regulatory alignment, and their success or failure will provide case studies for Web3's overseas expansion and financial compliance.

Future observation focuses include: the depth and pricing stability of the RWA secondary market; whether user retention and repurchase rates can form positive feedback; and the attitudes of local regulations in various countries towards on-chain travel financial services and the evolution of regulatory frameworks.