At Purpose for Profit (PFP), our vision extends beyond just providing affordable housing solutions. We’re pioneering a new model of financial collaboration, one rooted in the principles of cooperatives, powered by blockchain, and guided by progressive decentralization. Our goal? To create a globally inclusive financial community that supports affordable housing development, all while empowering PFP members to have an equal voice in decisions and share in the benefits.

Why Cooperatives Are a Powerful Foundation

Traditional cooperatives have proven themselves as effective structures for balancing business growth with community interests. They offer the dual benefits of small business ownership and corporate governance, often focused on creating wealth locally while ensuring members have a voice. By aligning with community priorities, cooperatives build lasting value and foster a sense of shared responsibility among their members.

PFP takes this cooperative model and scales it to a global level, incorporating digital communities and distributed technology. We’re transforming the classic cooperative into a dynamic, decentralized ecosystem that is accessible, inclusive, and resilient. Our goal is to achieve full decentralization within the next five years, following a progressive decentralization model similar to pioneers like ShapeShift. By taking a gradual approach, we ensure that there’s a solid foundation that can adapt while remaining true to our mission.

The Path to Progressive Decentralization

In our journey toward full decentralization, PFP is beginning with a core team of contributors to ensure focus and accountability. Early on, this small group helps avoid the pitfalls of “design by committee”—a problem where too many voices lead to a diluted vision. As our community grows and our operational boundaries adapt, our members will play an increasingly active role in decision-making.

The long-term goal is for the community itself to define and expand PFP’s mission. Members who hold PURPOSE tokens will become voting participants, shaping policies and funding decisions in a way that is both democratic and equitable. Unlike some communities where a small few can hold disproportionate sway, PFP’s model ensures that voting is accessible to everyone, maintaining balance and inclusivity.

Purpose for Profit’s Unique Approach

What makes PFP distinct in the landscape of decentralized organizations?

• Impact-Driven, Revenue-Generating Model: We’re a non-profit that funds below-market-rate loans for affordable and mixed-income housing. Our revenue supports both our team’s operations and the lending pool, ensuring financial sustainability without compromising our mission.

• Built as a Non-Profit from Day One: Unlike others who pivoted to this model later, PFP has been a non-profit since its inception. We have no shareholders or owners, which makes our transition to a DAO simpler and more aligned with our goals.

• Sustainable Token Model: Tokens are distributed only when purchased, with 85% of sales directed to lending and 15% to operations and community rewards. Tokens for community incentives come solely from PFP revenues—early members and the founding team do not receive free tokens. Staking is required to vote, and early stakers get access to specific rewards pools with higher yield. Staking longterm, no matter when you join, also provides benefits.

• Endowment for Lasting Impact: At the close of each year, our profits contribute to an endowment that ensures long-term funding for affordable housing projects. This endowment is our promise to support housing efforts in perpetuity.

An Accessible and Inclusive Community

In our progressive decentralization model, we’re building a shared membership framework where participation is accessible to all, including local residents, general contractors, lenders, and newcomers to blockchain alike. For example, members stake tokens to vote rather than spending them, which keeps access affordable and ensures a fair, balanced voice in governance.

PFP isn’t just about decentralizing finance—it’s about creating a space where community members can access opportunities for wealth creation and collective impact. By onboarding local residents and borrowers as participants, we’re breaking down the barriers to blockchain and welcoming new, diverse communities to Web3.

A New Paradigm in Decentralization

As we build toward a fully decentralized model, Purpose for Profit aims to redefine what’s possible with cooperative structures in a digital, global age. We’re creating an inclusive, transparent ecosystem that serves the collective interest and allows every member to contribute to real-world impact. Progressive decentralization is our path forward, and we’re excited to have our community join us on this journey.