[DAO/Partnership] Changelly Fiat On-Ramp Integration & Revenue Sharing (TEMP CHECK)

Proposals
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[DAO/Partnership] Changelly Fiat On-Ramp Integration & Revenue Sharing (TEMP CHECK)

Author: @LP17 – @BIMLabs

Date: 23/02/2026

Summary of the Proposal

This TEMP CHECK aims to gather community sentiment on establishing a strategic partnership between BIM and Changelly to integrate a fiat-to-crypto on-ramp solution directly within BIM Exchange.

The proposal includes:

  • Integration of Changelly’s on-ramp API into BIM Exchange

  • Access to 200+ cryptocurrencies and 100+ fiat currencies

  • Global coverage via multiple licensed providers

  • A revenue-sharing model: 1% of generated volume directed to the BIM DAO treasury

If community feedback is positive, a formal BIP will be submitted for Snapshot vote to approve implementation.

Context

One of the main friction points in DeFi adoption is fiat onboarding. Users often need to leave the ecosystem to purchase crypto before interacting with protocols.

Changelly provides a fiat-to-crypto on-ramp solution by aggregating multiple licensed service providers with global coverage and extensive payment method support.

Through API integration, BIM users would be able to:

  • Purchase crypto directly inside BIM Exchange

  • Use common payment methods (cards, Apple Pay, etc.)

  • Access localized payment rails depending on geography

This strengthens BIM’s positioning as a complete DeFi access platform.

Proposal Details

1. Strategic Partnership

  • Changelly becomes an official fiat on-ramp partner of BIM

  • BIM integrates Changelly’s API infrastructure

  • Potential co-marketing collaboration

2. Technical Integration

Integration via Changelly API with aggregated providers.

Default API Partners:

  • MoonPay

  • Banxa

  • Wert

  • Transak

Interface Implementation:

  • Addition of a “Card Payment” option directly inside the existing Buy / Sell interface

  • Users selecting “Buy” will be able to choose Card Payment (Visa / Mastercard / Apple Pay / Google Pay) as a funding method

  • Seamless in-app fiat purchase flow via Changelly’s infrastructure

  • No redirection outside BIM Exchange (embedded experience via API/SDK)

The objective is to keep the UX frictionless: users interact with the same BIM Buy/Sell module, with card payment becoming an additional payment rail rather than a separate module.

3. Revenue Model

  • 1% of total on-ramp volume generated through BIM integration

  • Revenue routed directly to the BIM DAO treasury wallet

This creates:

  • A recurring revenue stream for the DAO

  • Sustainable treasury growth

  • Alignment between user growth and DAO revenue

4. On-Ramp Parameters

Minimum / Maximum Purchase Amounts:

  • Minimum: ~$10

  • Maximum: ~$65,000
    (Varies depending on provider, location, and payment method)

Supported Payment Methods (non-exhaustive):

  • Visa / Mastercard

  • Apple Pay / Google Pay

  • Faster Payments (GBP)

  • Revolut

  • PIX (BRL)

  • ACH (USA)

  • PayID (AUD)

  • iDEAL (EUR)

  • Skrill Balance

This provides strong global flexibility.

5. Global Coverage

Changelly aggregates providers with extensive global coverage across Europe, North America, LATAM, Asia-Pacific, and selected African markets.

However, certain high-risk jurisdictions remain unsupported (e.g., sanctioned or extreme-risk countries such as North Korea, Iran, Syria, etc.).

Coverage depends on provider T&Cs and may evolve over time.

Strategic Rationale

This integration supports BIM’s positioning as:

  • A complete DeFi gateway

  • A user-acquisition engine

  • A revenue-generating DAO

Benefits include:

  • Lower onboarding friction

  • Increased retail accessibility

  • Higher conversion from Web2 to DeFi

  • Additional DAO treasury growth via volume-based revenue

Risks & Considerations

  • Regulatory dependency on third-party providers

  • KYC requirements (standard for fiat ramps)

  • Geographic restrictions in specific jurisdictions

  • Integration and compliance review required

A full technical, compliance, and legal review would be included in the formal BIP phase.

If this TEMP CHECK receives positive feedback, a formal on-chain governance proposal (BIP) will be drafted and submitted via Snapshot with detailed implementation scope, treasury routing specifics, compliance considerations, and deployment timeline.

4 Likes
2

Lowering the barrier to entry is the right priority. Regarding the potential co-marketing collaboration mentioned in Section 1, what if you explore a ‘zero-fee’ promotion for the first week of launch to bootstrap volume? This would be a great way to signal to the wider DeFi community that BIM is now a full-stack entry point.

3 Likes
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Solid move — fiat on-ramp is the #1 UX bottleneck in DeFi right now.

1% to treasury feels fair and sustainable.

Thor’s zero-fee launch promo idea is smart; would love to see it in the BIP if volume targets justify the short-term subsidization.

Green light from me. :rocket:

2 Likes
5

Thank you for this well-structured TEMP CHECK.

This is an excellent initiative and a strong strategic move for BIM.

Fiat onboarding is one of the biggest friction points in DeFi today. By integrating a solution like Changelly directly inside BIM Exchange, we significantly lower the barrier between Web2 capital and on-chain participation. Enabling users to purchase crypto seamlessly via card, Apple Pay, local rails, etc., without leaving the platform, strengthens BIM’s positioning as a complete DeFi gateway.

The embedded experience inside the existing Buy/Sell interface is particularly important. Keeping the UX unified and frictionless will increase conversion rates and reduce drop-off during onboarding.

From a DAO perspective, the 1% revenue-sharing model is also highly compelling. It creates:

  • A sustainable, volume-based treasury growth mechanism

  • Direct alignment between user acquisition and DAO revenue

  • A non-dilutive income stream that scales with adoption

Access to 200+ cryptocurrencies, 100+ fiat currencies, and broad global coverage meaningfully expands BIM’s addressable market and retail reach.

Of course, compliance review and regulatory considerations will be essential in the BIP phase, but as a TEMP CHECK, this direction makes strong strategic sense.

Overall, this proposal has the potential to:

  • Expand BIM’s user base

  • Improve onboarding conversion

  • Increase DAO treasury revenue

  • Position BIM as a true full-stack DeFi access platform

Strong support from my side for moving this forward to a formal BIP stage.

3 Likes
6

It’s a good idea in principle, and I agree that lowering friction at launch can be a strong signal to the broader DeFi community.

However, from a technical standpoint, the API key provided by Changelly applies the fees directly at the integration level. Implementing a temporary “zero-fee” week would therefore require changes to the public/API key configuration and likely coordination on their side. I’m not fully certain that this is feasible in a clean or temporary way without impacting the overall setup.

That said, once the integration is fully completed and stable, we do plan to roll out dedicated marketing actions to bootstrap volume and highlight BIM as a full-stack entry point.

2 Likes
7

Appreciate the support — and congrats on your first comment on the governance forum, great to see you jumping in

You’re absolutely right: fiat on-ramp remains one of the biggest UX bottlenecks in DeFi, so addressing it is a strategic priority for us.

On the 1% treasury allocation, the goal is precisely to strike that balance between sustainability and competitiveness. We want something that supports long-term protocol growth without creating unnecessary friction for users.

Regarding Thor’s zero-fee launch idea, I agree it’s a strong concept from a signaling and marketing standpoint. As mentioned earlier in the thread, the current fee structure is applied directly through the Changelly API key, which makes a temporary zero-fee setup technically more complex than it appears. It may require configuration changes at the provider level rather than something we can toggle internally.

That said, if volume projections justify a short-term subsidy and we can structure it cleanly from a technical and operational perspective, it’s definitely something we can formalize in a future BIP.

Thanks again for the thoughtful input — this is exactly the kind of constructive discussion we want to see here.

2 Likes
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Thank you for the detailed and thoughtful feedback — and I really appreciate the strong support

1 Like
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I strongly support this proposal.

Adding Changelly will make it easier for people to buy crypto directly inside BIM without leaving the platform. Fiat onboarding is a big barrier, and this helps reduce that friction.

This 1% DAO revenue share is also good because it links platform growth with treasury growth.

Compliance is important also, because this will improves accessibility, user conversion, and long-term ecosystem sustainability for BIM.

Together we will make Bim exchange stronger :flexed_biceps:

Simply use BIM exchange :currency_exchange:

3 Likes
11

I really appreciate the strong support

2 Likes
12

Hello team! Margo from Changelly’s BD team here. Changelly always welcomes new partners in its ecosystem and happy to support during and after the integration process. We are also flexible in terms of marketing activities.

2 Likes
13

I really appreciate the strong support simply use BIM Exchange and Changelly

1 Like
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BIP 044 : Snapshot