👤 End Users

Chiss enables web3 savvy users to interact with the FX market through its dapp while for others, familiar Web2 fiat interfaces, while harnessing onchain benefits in the background.

Benefits of using the protocol, via dapp or chiss-powered business include;

1. Instant Settlement
   No more T+2/T+3 delays. Payments and transfers settle in minutes, enabling just-in-time liquidity for importers, exporters, and freelancers.

2. Low-Cost Access
   By bypassing correspondent banking networks and hidden dealer spreads, users enjoy lower transaction costs. This is particularly impactful in emerging markets, where FX fees can be prohibitive.

3. Universal Currency Access
   Users can move value seamlessly into major, minor, and exotic currencies — a game changer for businesses operating across diverse markets where traditional banking offers limited corridors.

4. Boundless Transaction Size
   Unlike remittance platforms with strict caps, Chiss allows large-volume settlement suitable for institutional trade flows, bulk imports, or cross-border investments.

5. Transparent & Fair Pricing
   Exchange rates are determined by an oracle-AMM hybrid model, not opaque dealer markups. This ensures users always transact at market-reflective rates. Any divergence is quickly corrected by arbitrage bots.

6. Financial Resilience
   Businesses and individuals in high-inflation economies can hedge by moving liquidity into stronger currencies in real time. This enhances stability for savings, operations, and long-term planning.

7. Participation in FX Markets
   Users are no longer limited to passively consuming FX services. With Chiss, they can provide liquidity, participate in stability pools, and earn from FX activity, opportunities previously locked to large financial institutions.