---
# System prepended metadata

title: IRL ReFi

---

## Regenerative Finance in Real Life
BienVivir is a rather special traditional microfinance company. BienVivir lends to micro-entrepreneurs who have an established business such as a stationery store, hardware store, or corner shop, and who have no or negative credit history.

Lending to this sector is characterized by very high interest rates and violent collections. In fact, it is the mafia that dominates the market on the streets. There is little competition, leaving micro-entrepreneurs with no alternatives and subject to terms and conditions that cost them their lives....

That's where BienVivir comes in.

BienVivir knows this sector inside out, having been a fair alternative for 6 years now in two cities in Mexico.
BienVivir differentiates itself by having interest rates below those of the competition, and in the event of arrears, the amounts and terms are renegotiated to make it possible to pay off the debt.

However, it doesn't stop there. That does not make us special. What makes us special is our vision put into practice.

We want to be a bank made by, for, and of the people. For all these years we didn't know how to do that, but we met Urbánika and blockchain technology, and now we are walking towards that direction.

Will you join us?

There are 3 things that characterize our vision:
:trophy: Triple positive impact.
:chains: Decentralization.
:handshake: PostCapitalism.

## :trophy: Triple positive impact 
After operating costs and returning a return ranging from 12 to 18% annually to our investors, we distribute 100% of our profit into common benefit funds. The profit varies and depending on the financial product we offer is the distribution we make, but in general, our distribution structure is as follows:

**PLANET** :earth_americas: 
Regeneration: 5% [Recovery and preservation of urban, marine, and forest ecosystems].

**SOCIETY** :person_in_lotus_position: 
Clients: 24% [Participatory budgets where clients choose the courses, physical or virtual infrastructure, and medical coverage to be financed to meet their needs and objectives].
Employees: 20% [Participatory budget that employees use to cover vacations, social security, Christmas bonuses, courses, etc].
DAOification: 20% [Purchase of the company from current owners to turn it into a legally established DAO].

**MONEY** :moneybag: 
Donation: 1% [Donation to Giveth and Gitcoin participating projects aligned to our vision and values].
Risk Mitigation: 20% [Re-invested to ensure payment to investors in case of non-payment or delays].
Re-Investment: 10% [Research, development, and innovation of processes and products].

## :chains: Decentralization
The goal is to make BienVivir the first legally registered DAO bank in Mexico. This DAO will be composed of clients, workers, founders, and investors who as co-owners will direct the future of the company.

This process is being carried out in three stages of gradual decentralization:

* Operational structure
* Internal culture
* Legal structure

**Operational structure**
Digitalization of traditional processes.
Re-design of contracts with customers and employees.
Implementation of triple positive impact funds.
Tokenization of credit history.

**Internal culture**
Education and certification of current founders, workers and clients on applied post-capitalism.
Education and certification of employees, customers, suppliers, and investors on the use of web3 infrastructure to make proposals, make decisions, and execute funds.

**Legal structure**
Definition of governance and fund distribution protocols.
Renewal of articles of incorporation to accept on-chain governance processes in a legal manner.
Creation of the DAO through the sale and distribution of tokens.
First constituent assembly.

Finally,

## :handshake: PostCapitalism
The intention of this whole project to create the first DAO bank in Mexico, is also to accelerate the transition towards regenerative, just, and planetary flourishing ontologies (ways of perceiving the world).

This company seeks to be the example that we can all be workers of Gaia (of the planet and of life). That we can be successful, meet our needs, and generate a great positive impact.

In the future and once consolidated as a community, we seek to finance the transition of more companies, specifically in the health, security, construction, energy, education, transportation, and manufacturing sectors.

Together, collectively, and under peer-to-peer governance paradigms, we can imagine and build the cities we want to live in.

## Will you join us? :fist: 

Follow these simple steps:
1. give follow @hikufi_finance and @0xUrbanika.

3. Buy a positive impact voucher. The options are:
* [3 months at 12% annual yield](https://launchpad.heymint.xyz/mint/3month-refi-bond),
* [6 months at 15% annual yield](https://launchpad.heymint.xyz/mint/6month-refi-bond), or
* [12 months at 18% annual yield](https://launchpad.heymint.xyz/mint/12month-refi-bond).
3. Check your email and follow the instructions to both redeem your yield and participate in the development of a better future.