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Router Simple Pn Fellow operates using short-term credit instruments and liquidity pools, enabling seamless cross-platform money movement through router technology.
Key Insight: Fellow transforms every transfer request into a 2-4 day credit instrument, providing instant liquidity while traditional settlement happens in the background.

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The Transfer Flow

When you request an instant transfer, here’s exactly what happens:
1

Transfer Request

You want to move $1,000 from Schwab → Coinbase instantly using Fellow
2

Credit Creation

Fellow creates a 2-4 day credit instrument for $1,000 backed by your pending ACH transfer
3

Instant Settlement

You receive $1,000 in your Coinbase account immediately (minus 40-80 basis points fee)
4

Background Processing

Traditional ACH transfer begins from your Schwab account while you already have access to funds
5

Final Settlement

ACH completes in 2-4 days, settling the credit instrument and completing the cycle
If the ACH transfer fails, the user owes the debt like a standard credit card with normal collection processes.

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Core Infrastructure Components

Router Technology

Cross-platform connectivity integrating traditional banking rails (ACH) and cryptocurrency networks through intelligent path optimization

Instant Settlement Engine

Short-term credit instruments that provide immediate liquidity while traditional transfers process in the background

Multi-Platform Integration

Seamless connections to banks, crypto exchanges, and fintech platforms through unified API infrastructure

Liquidity Pool Network

Decentralized pool of capital from Liquidity Providers (LPs) backing all instant transfers

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The Economics Behind Fellow

  • For Users
  • For Liquidity Providers
  • Protocol Revenue
What You Pay:
  • 40-80 basis points per instant transfer
  • Access to immediate liquidity across any platform
  • No traditional banking delays or wire fees
What You Get:
  • Instant settlement (< 5 seconds)
  • Universal platform compatibility
  • Credit assessment and limits that grow with usage

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Technical Architecture

The Fellow network operates on multiple layers:

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Settlement Layer

Short-term credit instruments with 2-4 day cycles, backed by traditional ACH transfers and managed through automated smart contracts.

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Routing Layer

Multi-network path optimization that automatically selects the most efficient route for transfers based on speed, cost, and available liquidity.

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Integration Layer

APIs and partnerships with banks, crypto exchanges, and fintech platforms enabling seamless connectivity across the financial ecosystem.
This architecture enables Fellow to provide instant settlement while maintaining full compatibility with existing financial infrastructure.

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Liquidity Pool Mechanics

Pool Funding

LPs stake USDC/stablecoins to provide instant liquidity for the network

Utilization

Pool capital backs all active credit instruments with dynamic interest rates

Revenue Distribution

Transfer fees flow to LPs proportional to their stake in the pool

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Risk Sharing Model

Instead of individual LPs bearing specific risks, the pool model socializes both gains and losses:
  • Diversified Exposure: No single LP is exposed to individual user defaults
  • Proportional Returns: Earnings distributed based on LP stake percentage
  • Collective Risk Management: Pool-wide strategies for credit assessment and collections

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Key Differentiators

Fellow’s approach combines instant settlement with universal compatibility across financial platforms: ✓ Instant Cross-Platform Transfers: Move money between any financial platform ✓ Democratized Banking: Anyone can become part of the credit infrastructure by staking capital ✓ Universal Compatibility: Works with traditional banks, crypto exchanges, and fintech apps ✓ Transparent Economics: Clear fee structure with no hidden costs or complex terms

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What Makes This Possible

Fellow’s innovation lies in recognizing that most financial transfers don’t need to be “real” immediately—they just need to be accessible immediately. By creating short-term credit instruments backed by predictable ACH settlements, Fellow provides the user experience of instant transfers while working within existing financial rails.