Ropefiasco is a venture laboratory bridging cultural velocity with financial rigor. We architect infrastructure for the new economy.
Our work focuses on "Productive Capital"—transforming static assets into liquid, yield-bearing instruments. By leveraging decentralized protocols and compliant legal frameworks, we unlock value where traditional markets see only risk.
Whether digitizing human capital in sports or democratizing credit access in emerging markets, our mission is singular: to build the rails that allow potential to become power.
A regulated protocol for tokenizing and factoring athlete income streams. ACE transforms illiquid NIL contracts into secured, high-yield productive capital.
Bio-Economic Access Module. A decentralized micro-lending protocol using biometric identity to solve the Sybil problem and enable under-collateralized credit.
The Thesis: Student-athlete contracts are high-value receivables trapped in an illiquid market. ACE provides the infrastructure to factor these contracts, turning future cash flows into immediate working capital for the athlete.
The Economics of Acceleration: Our yield is not inflationary. It is derived from the discount rate applied to these receivables. Investors capture the "liquidity premium" by providing capital when it is most valuable—today.
Archetype 1
Target APY: 12-14%
Archetype 2
Target APY: 10-12%
Archetype 3
Target APY: 8-10%
Archetype 4
Target APY: 15%+
Archetype 5
Target APY: 4-5%
Logic: Commercial Loan Rate. Medium duration (1 season). Risk is mitigated by potential draft stock increase. Capital used for coaching/nutrition.
Est. Annual Yield
$1,000
Total Liquidity (1 Year)
$11,000
*Yields are dynamic estimates based on historical factoring rates and risk premiums. Not a guarantee of future performance.
Liquidity Provider Access
Public liquidity pools are currently gated for compliance.
To participate in the genesis pool, please submit an Institutional Inquiry above.
KYC/AML verification required for all on-chain contributions.
Value-Extraction & Acceleration Protocol
Version 3.4 | Institutional Draft
The asset class of "Human Capital" in sports has historically been illiquid. ACE creates a standardized protocol to factor and tokenize these future income streams. By shifting from a lending model to a receivables factoring model, we create a secured asset class that offers predictable yield to investors while providing acceleration capital to athletes.
Tokenized Athlete Income Streams (TAIS) represent a legal claim on future contract revenue. ACE utilizes a "Notice of Assignment" framework where the Payer (Brand/Collective) directs funds to the Protocol's Smart Contract, not the athlete. This creates a "closed-loop" payment system.
Split-Tranche Trusts: To balance immediate needs with long-term wealth, ACE splits capital into Tranche A (Acceleration - 60%) for immediate use and Tranche B (Preservation - 40%) locked in a yield-bearing trust until graduation.
4.1 Legal Assignment: We do not rely solely on code. We utilize tri-party agreements to secure the income stream at the source.
4.2 Insurance Wrappers: Yield reserves fund an Insurance Pool to protect principal against "Force Majeure" events (injury/cancellation).
4.3 Compliance: All liquidity providers undergo KYC/AML. The protocol is built to interface with traditional banking rails for fiat settlement.
4.4 Institutional Licensing: Smart contracts automatically route licensing royalties to Universities for IP usage, adhering to standard IP commercialization practices.
ACE is the bridge between the efficiency of DeFi and the legal rigor of structured finance. We are building the Nasdaq for Human Potential.
This document is for informational purposes only. It does not constitute an offer to sell or a solicitation of an offer to buy any securities. The ACE Protocol utilizes blockchain technology for settlement efficiency; however, all underlying assets are secured by legal contracts in the physical world. "Programmatically enforced" refers to the automated execution of pre-agreed logic, not a guarantee of solvency. The protocol is designed to align with NCAA interim guidelines and applicable state NIL laws.
Restricted Access / Limited Release / Heavyweight Cotton
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Trust Score increased by +50
Welcome to BEAM.
BEAM (Bio-Economic Access Module) is a decentralized micro-lending protocol designed to bridge the gap between on-chain liquidity and real-world borrowers. By replacing traditional collateral with biometric identity, BEAM solves the "Sybil Attack" problem that has historically prevented under-collateralized lending in crypto.
Users prove they are unique humans using World ID. This ensures one person = one credit line.
Verified users access micro-loans ($20–$50) instantly via World Chain, settled in stablecoins.
Repayment builds an on-chain "Trust Score" (SBT), unlocking higher credit limits without banks.
Latin America is the world's most active crypto-adoption zone, yet millions remain "unbanked." Costa Rica represents the perfect regulatory sandbox for BEAM's pilot.
"Ropefiasco views crypto not just as a trading asset, but as essential infrastructure for enterprise. BEAM represents our commitment to building 'Utility Layer' applications that generate real yield from real economic activity."
BEAM uses World ID. If you default, your unique biometric identity is permanently blacklisted. You will lose access to future credit lines of $100, $500, and potentially other World Chain apps. It is not worth burning your reputation for $50.
This is our "Partial Collateral" mode. If you lock a small amount of WLD or USDC (Skin in the Game), you get lower fees and earn 2x Reputation Points, unlocking higher loan limits twice as fast.
Yes. BEAM operates strictly within the limits of Law 9859 (Usury Law). We do not charge predatory rates. Our smart contracts enforce interest caps automatically to protect borrowers.
Bio-Economic Access Module
Version 1.0 | World Chain Standard
Decentralized Finance (DeFi) has failed to serve the 1.7 billion unbanked individuals globally due to its reliance on over-collateralization. Without a mechanism to verify unique human identity, protocols cannot offer unsecured credit without succumbing to Sybil attacks. BEAM solves this by integrating Proof of Personhood (PoP) via World ID directly into the lending stack, enabling under-collateralized micro-credit for verified humans.
In traditional crypto lending, a user can generate thousands of wallet addresses. If a protocol offers an unsecured loan, a single actor can drain the liquidity pool by pretending to be thousands of borrowers. BEAM eliminates this vector by requiring biometric verification (Iris Hash) before any credit issuance. One Human = One Credit Line.
BEAM operates as a "Trustless Credit Union" on the World Chain L2.
To accelerate trust, BEAM introduces a hybrid collateral model. Users can lock small amounts of WLD (Worldcoin) or USDC as "good faith" collateral. This reduces the protocol's risk exposure and rewards the user with accelerated Trust Score growth (2x multiplier), allowing faster access to higher credit tiers.
The pilot deployment in San José adheres to Law 9859. The protocol enforces a hard cap on Annual Percentage Rates (APR) to prevent usury, ensuring alignment with local financial consumer protection standards. BEAM positions itself not as a bank, but as a peer-to-peer mutual aid technology.
From Pilot to Protocol