In recent years, blockchain, decentralized finance (DeFi) and artificial intelligence (AI) technologies have been integrated in many fields, and the tourism industry is gradually becoming the focus of attention. Through the tokenization of physical assets (RWA), on-chain financial services and intelligent recommendation systems, a number of projects are trying to provide value to both travelers and asset investors.
1. Industry Background and Technology Context
1. Pain points of traditional tourism
High intermediary fees: OTAs (online travel agents) typically charge a commission of 15% – 25%, which reduces merchant profits and increases consumer costs.
Low asset utilization: high-end hotels, holiday villas, yachts and other assets have a high idle rate. Except for a few top customers, most people have no chance to participate in asset returns.
Disconnected financial services: Cross-border lending, insurance and installment payments often require cumbersome approval in traditional tourism, and the experience is not smooth enough.
Insufficient experience personalization: Most travel recommendations are based on general tags and lack in-depth response to personal preferences and real-time needs.
2. New opportunities for Web3+RWA
From DeFi to RWA: DeFi has achieved innovations such as lending and liquidity mining in the field of crypto assets; RWA splits physical assets into tradable shares on the chain, allowing more investors to participate in high-end tourism assets in proportion.
Smart contract automation: Asset issuance, profit distribution and claims settlement processes can all be executed through on-chain contracts, reducing intermediary intervention and dispute risks.
AI and computing power incentives: AI algorithms accurately profile user behavior and recommend products in real time; at the same time, user consumption and social interactions are converted into computing power and fed back to the system to optimize subsequent experience.
2. Real Asset Tokenization (RWA)
Coinsidings selects high-value tourism assets (luxury hotel rooms, resort villas, yacht time, etc.), splits them into RWA tokens through smart contracts, and provides two distribution channels: public and private:
On-chain registration and transparency: All asset information, share distribution, and revenue rules are traceable on the public chain, making them tamper-proof and auditable.
Secondary market transactions: Token holders can freely buy and sell on decentralized exchanges, or pledge their shares to obtain low-interest loans for travel consumption or reinvestment.
Profit distribution: asset rent and value-added are automatically distributed according to the holding ratio, and the smart contract completes the settlement according to the preset period (such as quarterly).
This model helps improve asset liquidity and convert traditional idle assets into tradable and loanable digital securities.
3. On-chain financial services
Based on RWA, Coinsidings introduces travel lending, insurance and payment solutions into the on-chain ecosystem to build an integrated financial service system:
1. Travel loans
Users can use RWA tokens or the Swiss franc-pegged CHFT stablecoin as collateral to obtain short-term or medium- to long-term loans.
There is no need for offline approval, loan application and loan issuance are executed by smart contracts, and funds can be used directly for hotel reservations, car rentals or air ticket payments.
2. Smart Contract Insurance
Introduce decentralized insurance contracts for common risks such as flight delays and hotel cancellations.
The claims process is automatically triggered, without the need for manual review, and the speed and transparency of claims are improved.
3. Multi-currency payment and installment
The platform supports multiple payment methods including CHFT, mainstream digital assets and legal currency. The settlement path is routed by smart contracts to reduce exchange rates and transfer fees.
The installment payment option is also executed through contracts, streamlining the approval process and enabling blockchain identity verification to be embedded.
This closed loop of financial services closely integrates tourism and DeFi to meet users financial needs before, during and after their trip.
4. AI-driven intelligent experience
At the user experience level, Coinsidings combines AI algorithms with on-chain incentive mechanisms to build a data-driven + reward closed loop:
Multi-dimensional user portrait
The AI model comprehensively analyzes users’ booking history, browsing behavior, and social interactions, and labels travel preferences (budget, destination, mode of travel, etc.).
Personalized recommendation engine
Real-time matching of the best hotel, car rental and route combinations, with recommendation results based on multiple indicators such as cost-effectiveness, ratings, and user similarity.
Voice and virtual tour guide
Provide 24/7 multi-language AI voice assistant to support instant QA and dynamic itinerary adjustment; use AR/VR technology to achieve 3D restoration of scenic spots and reproduction of historical scenes.
Hash rate feedback mechanism
Every consumption and community contribution of users can be converted into computing power points, which are used to optimize model training and resource allocation, forming a continuously iterative recommendation closed loop.
Through the above, the platform can not only improve user satisfaction, but also continuously collect high-quality data and drive service refinement.
5. Global Expansion and Compliance Outlook
Coinsidings has developed a multi-stage globalization route that takes into account both technical implementation and compliance prudence:
1. Infrastructure construction period (2025)
Completed core system development: RWA issuance module, loan and insurance contracts, and AI recommendation engine.
Launch the CHFT stablecoin issuance and management mechanism to ensure reserve audit and compliance transparency.
2. Deepening Integration Period (2026)
Expand secondary market exchanges and liquidity pools to improve RWA token liquidity.
Launch more financial instruments: option contracts, pledge mining, installment dividends, etc.
Connect with local tourism regulatory authorities and financial regulatory agencies to promote the STO (security token offering) pilot.
3. Listing and Scaling Period (2027+)
Prepare to go public in compliance with regulations on mainstream stock exchanges in Europe, the United States or Asia, and explore the equal rights for shares and currencies model.
Deepen multi-regional node deployment, connect more hotel groups, car rentals and airlines, and form a cross-border ecological network.
In terms of compliance challenges , RWA involves securities attributes, and its issuance and trading must comply with the financial regulations of different countries; stablecoin management also needs to ensure the transparency and security of asset reserves. The platform needs to continue to invest in technical audits, legal compliance and operational processes.
VI. Industry Significance and Observation Focus
From a third-party perspective, Coinsidings attempt represents the exploration direction of the deep integration of the tourism industry and Web3:
Demonstration effect: If the asset liquidity and dividend efficiency under the RWA model can be verified, it will provide a reference for other fields (such as commercial real estate and artworks).
User experience innovation: The application of AI+AR/VR, as well as on-chain insurance and lending, indicates that travel services are transforming towards “end-to-end” intelligentization.
Capital and compliance dual-wheel drive: The project needs to take into account both technological iteration and regulatory docking. Its success or failure will provide a case for Web3 going global and financial compliance.
Future key points of observation include: the depth of the RWA secondary market and the stabilization of pricing; whether user retention and repurchase rates can form positive feedback; and the attitudes of local regulators in various countries towards on-chain tourism financial services and the evolution of regulatory frameworks.
