London,  Nov 21st: Fintech pioneer Cashaa has released its whitepaper on the Deobanking solution, presenting a structured approach to decentralized finance built on regulatory compliance, user control, and transparency. The paper outlines the company’s evolution from business banking services to a model centered entirely on self-sovereign finance enabled through Cashaa’s Deobanking self-sovereign wallet infrastructure.

“Cashaa is continuing towards its original mission to build a decentralised self-sovereign financial system where no company, no bank, no government and no custodian can decide whether you can access your own money. This next era is called Deobanking (Decentralised Autonomous Banking) and Cashaa is leading it,” said Amjad Raza Khan, Founder and CEO of Cashaa.

The Deobanking model introduced in the whitepaper details a non-custodial wallet system that allows users to manage both crypto and fiat currencies while retaining full ownership of their private keys. It offers a secure and inclusive structure that blends the discipline of regulated banking with the independence of decentralized finance, borderless remittances to over 130 countries and Visa-powered crypto cards for spending at 100+ million merchants worldwide.

“Today BlackRock, Fidelity, global banks and sovereign governments are all in crypto. Crypto companies can finally get banking directly from institutions which gives us a sense of closure. Now we need to empower end users therefore with Deobanking we are putting ownership back in the hands of individuals. This whitepaper shows how decentralized finance can be transparent secure and rewarding for every user. We must remember that the only financial system that cannot collapse is one where users hold their own keys.” added Amjad Raza Khan.

Cashaa already provides its flagship Earn program which delivers up to 26 percent annualised returns on stablecoins and up to 18 percent on crypto for top-tier participants, while the Borrow program offers instant collateral-backed loans with LTV ratios up to 90 percent, giving users flexibility and control during the transition toward a fully autonomous model. These benefits are structured through a loyalty system where users’ CAS token holdings determine their tier, enabling access to higher Earn yields, preferential Borrow rates, and additional fee waivers.

In the new Deobanking ecosystem CAS token will witness an increase in its utility through tiered cashbacks, spending limits on crypto card spends, fee discounts on global remittance and much more.

The whitepaper also outlines the issues with traditional banking and centralized crypto exchanges, how Cashaa intends to address these issues through its Deobanking infrastructure, along with plans to broaden asset support, enhance CAS token utility, apart from introducing decentralized finance tools like self-sovereign wallets, Visa-powered crypto cards and borderless remittances. Through this publication, Cashaa contributes to the broader dialogue on how regulated frameworks can coexist with decentralized financial systems, aiming to set a benchmark for secure and transparent participation in the digital economy.