Whitepaper

TULU CHAIN

Overview

Learn how Tulupay ecosystem filled the gap.

Introducing Tulu Chain

Tulu Chain is a next-generation Distributed Ledger Technology (DLT) platform designed to bridge the gap between traditional finance (Web2) and decentralized ecosystems (Web3) while solving Africa’s most pressing financial challenges.

Unlike conventional blockchains that operate in isolation, Tulu Chain is built as an interoperability-first financial hub, seamlessly connecting banks, mobile money systems, Central Bank Digital Currencies (CBDCs), and global blockchain networks under one unified, scalable, and regulatory-compliant framework.

abstract

Core Innovations of Tulu Chain

1. Interoperability by Design

Tulu Chain doesn't compete with existing blockchains—it integrates them. Key features:

  • Universal Asset Swaps: Convert between Stellar (XLM), Ethereum (ETH), Hedera (HBAR), and African CBDCs in one click.
  • Tulu Bridge: A multi-protocol interoperability engine supporting:
    • IBC (Cosmos) for cross-chain DeFi.
    • Chainlink CCIP for secure cross-chain messaging.
    • Axelar for Bitcoin and Avalanche compatibility.
    • CBDC Gateways for eNaira, eCedi.
  • Tulu Switch: A multi-facet tool that dynamically routes payment transactions between Acquirers and Payment Service Providers:
    • Customer pays via transfer, card, QR code, (crypto, eNaira, eCedi, and mobile money (M-Pesa, MTN MoMo) etc.
    • PSP routes the transaction to the best-fit acquirer (for cost/speed).
    • Acquirer sends the request via card networks (Visa/Mastercard) to the issuer (customer's bank).
    • Issuer approves/declines, and funds move via the acquirer → PSP → merchant.

2. Hybrid Consensus: Speed + Security

  • Delegated Proof-of-Stake (DPoS): 21-50 validators ensure fast (2-second) and low-cost transactions.
  • Cross-Chain Validation (CCV): Validators simultaneously secure Tulu Chain and partner networks (e.g., Hedera, Stellar) for trustless bridging.

3. Modular Architecture for Scalability

  • Execution Layer: Supports EVM (Ethereum) and CosmWasm (Cosmos) smart contracts.
  • Data Layer: Uses Celestia DA and IPFS for cheap, scalable storage (ideal for NFT/metaverse assets).
  • Settlement Layer: Optimized for instant cross-chain finality.

4. Regulatory-Compliant Infrastructure

  • Tulu Identity: Self-sovereign zk-KYC (Zero-Knowledge Proofs) for reusable, private identity verification.
  • Tulu Compliance: On-chain licensing for dApps to meet African financial regulations.

5. Africa-First Financial Use Cases

  • Remittances:

    Send USDC → Convert to XLM → Cash out as mobile money (M-Pesa) in seconds.

  • CBDC Integration:

    Trade tokenized eNaira (wNGN) on DeFi platforms.

  • Tokenized Assets:

    Fractionalize real estate, agriculture, and art (Tulu Asset).

  • Microlending:

    Collateralize crypto on Ethereum → Borrow stablecoins → Spend via Hedera.

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