# Welcome to Wagon Network Welcome to the official documentation for Wagon Network Wagon Network is where **real-world assets meet blockchain**. Through Wagon, you can invest in productive supply chain assets — like trucks and equipment — while earning stable, on-chain yield backed by real cashflows. *** This documentation will guide you through: * How Wagon works * How to invest or borrow * Our products: Lending Pools, $WAG Token, Data Layer * Wallets, security, and on-chain processes > Whether you're here to lend, stake, or explore — welcome to the future of decentralized supply chain finance. # About Wagon Network Welcome to Wagon Network Documentation. **Wagon Network** is a blockchain platform that helps people invest in **real-world supply chain assets** — like trucks, trailers, and equipment — by turning them into digital tokens. We make it possible for investors to earn stable returns from real economic activity — all on-chain and fully transparent. Each investment pool in Wagon is linked to real assets that are being used by real companies. These companies pay monthly rental fees, and that income is shared back to the investors through smart contracts. *** ### What Makes Wagon Unique * **Real Assets, Tokenized**\ You’re not just buying tokens — you’re investing in equipment being used in the real world. * **Transparent Income**\ All rental payments and returns are visible and verifiable on the blockchain. * **$WAG Token Utility**\ Our native token gives users access to staking, rewards, and protocol participation. * **On-Chain Supply Chain Data**\ As assets are used, their performance is recorded — building a trusted data layer for the future of logistics. *** > Wagon is building a future where anyone can invest in the real economy — not just through banks or funds, but directly and transparently, powered by blockchain. # Our Mission At Wagon Network, our mission is to **make real-world investing accessible, transparent, and meaningful** — starting with the supply chain economy. We believe that productive assets like trucks and equipment shouldn’t be limited to banks or large institutions. Through blockchain, we make it possible for anyone to invest in these assets. But we’re not just about tokenization and investment — we’re building a long-term infrastructure that captures **real data** from the field: how assets are used, how companies perform, and how value flows across the supply chain. This data helps create better decisions, smarter credit models, and new tools for logistics — all while respecting privacy and data ownership. > We exist to bridge the gap between real economies and Web3 — empowering both investors and entrepreneurs to build together, transparently. # Wagon Products Wagon Network offers three core components that power asset tokenization and data for real-world assets: *** #### 1. Asset Tokenization Invest in tokenized supply chain assets like trucks and equipment. Earn yield from rental activity, tracked and paid on-chain. {% content-ref url="/pages/PO4nrcnwbA4kQ4uLi258" %} [Wagon Asset Tokenization](/products/wagon-asset-tokenization) {% endcontent-ref %} *** #### 2. $WAG Token & Staking Stake **$WAG** to earn rewards, boost your returns, and participate in the protocol’s future governance. {% content-ref url="/pages/rNLcXibHkKOOl2xHLmJL" %} [$WAG Token & Staking](/products/usdwag-token-and-staking) {% endcontent-ref %} {% content-ref url="/pages/Wl3oH53PM7yC8owqvBMA" %} [Staking](/products/usdwag-token-and-staking/staking) {% endcontent-ref %} *** #### 3. Wagon Data Layer *(Upcoming)* Operational data from tokenizard assets is stored on-chain — powering analytics, credit scoring, and enterprise integrations. {% content-ref url="/pages/jxRFWuROt7AaSl8VRRfS" %} [Data Network (Upcoming)](/products/data-network-upcoming) {% endcontent-ref %} *** These products work together to bring transparency, utility, and real-world value into the blockchain ecosystem. # Wagon Asset Tokenization Wagon Asset Tokenization transforms real-world logistics assets — like trucks, heavy equipment, and infrastructure — into fractional tokens. Through this model, investors can buy, hold, and trade asset-backed tokens while earning stable monthly yields from rental income. *** ### 🚚 What is Tokenized? Each tokenization program represents a specific productive asset, such as: * Trucks for logistics companies * Excavators or trailers for construction * Cold storage, barges or specialized vehicles Wagon acquires these assets upfront and rent them to vetted logistics businesses under transparent, on-chain agreements. *** ### 💰 What Do Investors Get? By purchasing tokens, you: * Own **fractional rights** in real-world trucks and equipment * Earn **monthly rental yields** from the asset * **Trade tokenized asset** in the secondary market for liquidity * Get your **principal repaid at maturity** * Track the asset performance on-chain, in real-time *** ### 🔐 How Is It Structured? * A **Special Purpose Vehicle (SPV)** legally owns each asset. * The SPV enters into a **rent agreement** with the logistics operator. * A **smart contract** issues and manages tokens, distributes rental income, and supports secondary trading. *** ### 🛡 What About Security? Wagon protects both investors and operators through: * **Asset insurance** (vehicle, fire, accident, theft) * **Revenue tracking** and on-chain payment records * **Escrow-controlled disbursements** * **SPV legal structure** ensuring separation and investor protection # How It Works Wagon Network converts real trucks and logistics assets into tokenized investment opportunities.\ Here’s how the full cycle works:
### How Wagon Works: 1. **Rental Request**\ A logistics operator submits a request for productive assets (e.g., trucks). 2. **Asset Acquisition by SPV**\ A Special Purpose Vehicle (SPV) purchases and holds ownership of the real asset to fulfill the rent request. 3. **Rental Agreement**\ The asset is rented to the logistics operator under a rental contract. 4. **Rental Payments**\ The operator pays usage fees (rental payments) according to the contract, and payments are collected by the SPV. 5. **Tokenization of Asset Benefits**\ Wagon issues tokens backed by the economic benefits of the real asset — namely, rental income. 6. **Investor Participation**\ Investors deposit Stablecoin into wagon's smart contract and receive asset-benefit tokens as proof of participation. 7. **Use of Tokenization Proceeds**\ Proceeds from token sales are allocated to Wagon for operations and related activities. 8. **Net Rental Income to Wagon**\ The SPV remits net rental income to Wagon, after deducting operational costs and applicable taxes. 9. **Distribution to Smart Contract** Wagon channels the net rental income into the smart contract. * A portion is set aside as a **principal provision** to secure repayment at pool maturity. 10. **Investor Yield Distribution**\ The smart contract automatically and transparently distributes rental income to token holders. 11. **Pool Maturity** * Asset-benefit tokens are redeemed from investors and **burned**. * Investors receive back their **principal** from the principal provision. * Optionally, the logistic asset may be sold, with the **net proceeds** (after disposal costs and taxes) distributed to investors in proportion to their token ownership. ### 🛡️ Risk Mitigation * SPV holds asset ownership separate from Wagon’s operations. * Assets are insured (vehicle, theft, accident, fire). * Smart contracts ensure fair token issuance, distribution, and redemption. * Token burning maintains supply integrity at the end of term. # Investor Yield Wagon Network offers **stable, asset-backed yields** by turning productive logistics assets — such as trucks and trailers — into tokenized investments. Your returns come directly from **rental payments generated by these real assets**.
How investor capital flows into the pool, generates leasing income, and returns as monthly yield.

Browse active pools and assess asset-backed opportunities with full transparency.

### 🔍 What You Earn * **Monthly Yield** – Regular income distributed from rental payments * **Stable & Transparent** – Yield is backed by productive assets and tracked on-chain * **Principal Returned** – Your full capital is returned at the end of the pool term ***

Real-time repayments, shipments, and asset status.

### 📊 Investment Monitoring Through your investor dashboard, you can track: * Real-time rental income distributions * Token balance and transaction history * Pool progress and payout schedule * Asset performance and lease status ### 🛡️ Risk Protection * **Smart Contract Enforcement** – All flows handled by secure, auditable contracts * **SPV Shielding** – Assets are legally held by an SPV, isolating investor funds from operational risks * **Asset Insurance** – Each asset is insured against accident, theft, and damage * **Transparent On-Chain Records** – Every payment and distribution is traceable on-chain # Pool Lifecycle Wagon Network follows a clear and structured process to manage tokenized assets. Each pool moves through three main phases — from tokenization to monthly yield distribution, and finally to maturity — ensuring full transparency, traceability, and security via smart contracts.

The full lifecycle of a tokenization pool — from deposit to asset rental and investor exit.

## 🟢 **Open Phase - Tokenization & Participation** In this stage, assets are acquired and tokenized, and investors can participate: * 🏢 **SPV Formation** – A Special Purpose Vehicle (SPV) is established to legally own the asset * 🚛 **Asset Acquisition** – The asset (e.g. truck or equipment) is purchased and insured * 🪙 **Token Issuance** – Tokens are minted 1:1 to represent investor participation rights * 👤 **Investor Participation** – Investors deposit stablecoin and receive asset-benefit tokens in return *** ## 🟠 **Active Phase** – Income Generation During this stage, the asset is in operation and generates monthly yield: * 🔧 **Asset in Use** – The asset is rented to a verified logistics operator under contract * 📊 **Data Tracking** – Asset performance and rental payments are monitored * 💸 **Rental Payments** – Monthly rent fees are collected by the SPV * 💰 **Yield Distribution** – Smart contracts distribute rental income to token holders in stablecoin * 💵 **Principal Provision** – A portion of each rental cycle is set aside as a reserve for principal repayment at maturity *** ## 🔴 **Matured Phase** – Redemption & Exit At the end of the lifecycle, the pool reaches maturity: * ⏳ **Pool Ends** – The Pool time concludes * 🔥 **Token Burn** – Asset-benefit tokens are redeemed and burned * 💵 **Principal Returned** – Investors receive back their full principal from the principal provision * 🏷️ **Optional Asset Sale** – If the asset is sold, net proceeds (after costs and taxes) are distributed to investors # $WAG Token & Staking Welcome to the core of Wagon Network’s incentive engine. The **$WAG token** is more than just a digital asset — it powers how users participate, earn, and help govern the protocol. Whether you're an investor looking to boost your lending returns or a contributor shaping the future of supply chain finance, **$WAG** gives you a stake in the ecosystem. In this section, you’ll learn: * What $WAG is and how it’s used * How staking works and the benefits it offers * How token holders can participate in governance and earn rewards > With $WAG, you don’t just use the platform — you help shape it. # $WAG Token **$WAG** is the native ERC-20 token of the Wagon Network protocol. It powers key functions across the ecosystem—from staking and governance, to accessing data and participating in real-world asset financing. 🔗 [See Allocations & Unlock Schedule](/products/usdwag-token-and-staking/usdwag-token/allocations-and-unlock-schedule)\ 🔗 [View Smart Contract on EtherScan](https://etherscan.io/token/0xd50c8a17d5c4b8e2d984933c7e37e5b92d687b8d)\ 🔗 [View Smart Contract on BscScan](https://bscscan.com/address/0xd50c8a17d5c4b8e2d984933c7e37e5b92d687b8d) ## WAG Use cases:
Staking & Rewards Stake **$WAG** to receive **$stkWAG**, enabling: * Governance participation (e.g., proposal voting, approval processes) * Profit sharing from Wagon Lending yield * Access to investor perks
Data Network $WAG unlocks Wagon’s proprietary supply chain data network for research, market intelligence, and logistics optimization.
Analytics Tools & Services Access premium analytics dashboards and AI-generated insights using $WAG as a subscription token.
Governance By holding **$stkWAG**, users influence key protocol decisions—ranging from loan approvals to platform configurations.
We envision **$WAG** as the fuel behind a global supply chain network that is transparent, decentralized, and community-owned. As Wagon Network evolves, so will **$WAG** utility—aligned with users, partners, and real-world impact. # Allocations and Unlock schedule **$WAG** will be unlocked in a predetermined schedule which lasts for 48 months from the public sale. The initial circulating supply is set to

WAG token distribution

The above chart illustrates the maximum possible issuance of WAG over the coming years. WAG token have mint and burn functions, which will be called for emergency through governance.
Token AmountTotal Supply%
DEX Liquidity15,000,00015%Unlock on TGE
Wagon Team15,000,00015%20% unlocked in Q2 post-TGE, followed by 2 semiannual (6-month) linear unlocks
Ecosystem Fund10,000,00010%20% at TGE, then linear release quarterly
Treasury15,000,00015%20% unlock after 1 year post-TGE, then linear quarterly release
Community Rewards18,000,00018%20% at TGE, then linear release quarterly
Staking Rewards7,000,0007%Linear unlock gradually over 48 months
Private Sale7,000,0007%20% at TGE, then linear release quarterly
Advisor8,000,0008%20% unlock in Q1 post-TGE, then linear release quarterly
Seed Funding5,000,0005%20% at TGE, then linear release quarterly
Total Amount100,000,000100%
# Staking Stake $WAG to earn yield, gain governance power, and support the Wagon ecosystem.

Wagon Staking Dashboard

Wagon Network’s staking system allows you to lock up your $WAG tokens and receive $**stkWAG** in return — a representation of your staked position. Holding $stkWAG gives you access to: * 📈 **Staking Rewards** – Earn $WAG tokens over time from our reward pool and DeFi revenue * 🗳️ **Governance Power** – Use $stkWAG to vote on loan approvals, protocol parameters, and treasury decisions * ♻️ **Transferability** – $stkWAG is tradable and transferable, giving you flexibility even while your tokens are staked ### Why Stake? By staking your $WAG, you: * Help secure the protocol and lending operations * Participate in decentralized governance * Earn consistent passive rewards * Contribute to the growth of a community-owned financial platform ### Key Features * **Current APY**: Variable (based on protocol earnings and reward pool) * **Unstake Period**: 14 days * **Reward Claim:** Instantly available; no lock or delay. * **Dashboard**: Easy-to-use interface to stake, claim, or participate in governance > Note: Rewards and APY are subject to protocol performance and market conditions. # Staking Rewards Staking rewards are generated and distributed to staked WAG holders in two ways: ## 1. Staking Rewards Pool Allocation A total of **7,000,000 $WAG** tokens are allocated to reward stakers over 48 months. Rewards are distributed proportionally based on the amount of stkWAG each user holds. | Month | Monthly Staking Rewards | | :---: | :---------------------: | | 0 | 280,000 | | 3 | 560,000 | | 6 | 560,000 | | 9 | 560,000 | | 12 | 490,000 | | 15 | 490,000 | | 18 | 490,000 | | 21 | 490,000 | | 24 | 420,000 | | 27 | 420,000 | | 30 | 420,000 | | 33 | 350,000 | | 36 | 350,000 | | 39 | 350,000 | | 42 | 280,000 | | 45 | 280,000 | | 48 | 210,000 | ## 2. Profit Shares from Wagon DeFi In addition to fixed reward emissions, **Wagon DeFi** will share a portion of its real-world lending profits with stakers. Each time interest is collected from leasing contracts (e.g. from trucks or equipment rentals), a percentage will be allocated to the staking rewards pool and distributed to stkWAG holders. As protocol usage increases, this revenue-based reward is expected to grow. # Governance (Upcoming) Governance is a core pillar of the Wagon Network protocol. Token holders of `stkWAG` are empowered to shape the direction of the network through transparent governance processes. Wagon’s governance model ensures that decisions — such as approving loans, adjusting platform parameters, and managing treasury operations — are driven by the community. ## Governance Structure Wagon Network’s governance is divided into two phases: ### **1. Off-Chain Governance** This is the starting point of every proposal. Discussions and drafts are first posted on the **Wagon Forum** (Request for Comment) to collect community input and iterate ideas transparently. Off-chain governance serves to: * Encourage open discussion and feedback * Avoid spam or low-quality proposals on-chain * Build alignment before a formal vote ### **2. On-Chain Governance *****(Coming Soon)*** After sufficient feedback is gathered off-chain, proposals may move to the blockchain for formal voting. On-chain governance will include: * **Proposal creation** on-chain (by the Council or eligible users) * **Referendum voting** using `stkWAG` tokens * **Execution** of decisions through smart contracts (e.g., fund disbursement, parameter change) On-chain proposals may include: * Loan approvals * Protocol upgrades * Treasury allocations > 🚧 *Note: In the current phase, governance is limited to off-chain only. On-chain governance will be launched once Wagon DeFi infrastructure reaches operational stability.* # Data Network (Upcoming) Powering transparency, intelligence, and automation for RWA finance Wagon Network is more than just financing — it’s building a decentralized data backbone for the supply chain. Every asset tokenized through Wagon (trucks, equipment, etc.) generates valuable operational data. From delivery performance to usage patterns, this data is collected through apps and IoT integrations, verified, and stored on-chain. But here’s the key: **data ownership stays with the user**. Businesses choose what to share, while the network ensures privacy, transparency, and traceability. Over time, this creates a growing pool of structured supply chain data — a resource that can be used for: * **Risk modeling and credit scoring** * **Operational benchmarking** * **Market intelligence and forecasting** * **AI-powered decision tools** Wagon’s data layer enables smarter logistics, fairer financing, and real-world utility for Web3. Welcome to the future of decentralized supply chain intelligence. # Data Sources Wagon collects operational data directly from the assets that tokenized through the protocol. These sources ensure that all insights are rooted in real-world activities. Here are the key data sources: * **Borrower App**\ Borrowers input updates on delivery, usage, maintenance, and payment through the mobile or web app provided by Wagon. * **Leasing Contracts & Invoices**\ Data from legally binding leasing documents are recorded and linked to each financed asset. * **GPS & Telematics**\ Integration with fleet management tools or trackers can provide live location, mileage, and performance logs. * **Repayment Logs & Performance**\ On-chain repayment and rental income streams are tracked to build credit profiles and risk models. * **Manual Verification & Field Reports**\ Wagon operations team may conduct checks or request photo/video uploads to validate activity. All collected data is time-stamped, validated, and securely stored — ensuring transparency, accuracy, and accountability while respecting data ownership. # Use Cases The Wagon Data Layer is designed to serve multiple stakeholders across the supply chain and financial ecosystem. Here are key real-world applications: *** ## 📦 For Logistics & Supply Chain Businesses * **Operational Optimization**\ Analyze fleet usage, idle time, and route efficiency to improve asset performance. * **Predictive Maintenance**\ Use on-chain data trends to forecast when vehicles or equipment may require servicing. * **Inventory & Demand Forecasting**\ Match asset availability with delivery schedules and regional demand. *** ## 💼 For Investors & Credit Analysts * **Risk Evaluation**\ Assess businesses reliability using real-time rental payment data and asset productivity. * **Yield Benchmarking**\ Compare leasing pools by return profile, operational efficiency, and default history. *** ## 📊 For Enterprise & Research Analysts * **Market Insights & Trend Monitoring**\ Track industry-wide metrics like leasing activity, repayment behavior, and asset utilization. * **Macroeconomic Correlation**\ Connect logistics performance data to external indicators like commodity prices or economic cycles. *** ## 🤖 For Developers & Data Scientists * **AI Model Training**\ Use high-quality, anonymized operational datasets to build predictive models. * **Custom Analytics Tools**\ Access structured data via API to build dashboards, alerts, or internal reporting tools. # Data Analytics and Services Powering transparency, intelligence, and automation for RWA finance Analyzing big data in supply chain is challenging due to the sheer volume and complexity of information generated from diverse sources. This data requires advanced tools and techniques to process, integrate, and derive meaningful insights. However, despite these difficulties, the analysis is crucial as it enables organizations to enhance decision-making, optimize operations, and gain a competitive edge by unlocking valuable insights from the intricate web of supply chain data. Wagon team of experts is dedicated to revolutionizing your supply chain management through cutting-edge big data analytics services. With years of experience and a deep understanding of supply chain intricacies, our professionals are well-equipped to guide you through the complexities of data analysis. Enterprises or user can subscribe with WAG token to access this services. ## What services are provided? * Statistics Dashboard and analytics tools * Newsletters * Weekly to Monthly Reports * Data visualization * Market analysis * Risk analysis * AI data model, prediction and decision maker * API data services * More in the future ## Personalized analytics Wagon team will collaborate closely with your team to comprehend your unique business challenges and goals, tailoring services to extract relevant insights from the vast pool of supply chain data. From data collection and integration to advanced analytics and predictive modeling, we employ a holistic approach to ensure that the analytics solutions we provide are not only accurate and actionable but also personalize into your strategic objectives. # Access & Permissions The Wagon Data Layer is designed with privacy, ownership, and controlled access at its core. Data contributors and users interact with the network under a permission framework that prioritizes security and autonomy. *** ## 👤 Who Owns the Data? Data submitted by businesses (e.g. operational logs, leasing metrics) remains fully owned by the original contributor. Wagon does **not** sell or expose private data — instead, it enables **permission access** via smart contracts. *** ## 🧾 How Is Access Granted? * **Public Datasets**\ General industry stats and anonymized aggregates are openly accessible via the Wagon platform. * **Private Datasets**\ Access to specific datasets requires permission from the data owner and is governed via smart contracts. *** ## 🔁 How Do Users Get Access? * **Individual Users & Enterprises** can subscribe to access data via the Wagon platform. * Payment and permissions are handled via WAG token transactions on-chain. * Users may select specific datasets or request custom analytics via dashboard or API. *** ## 🛡️ Privacy & Security * End-to-end encryption and zero-knowledge principles preserve anonymity. * All access is logged immutably on-chain to ensure transparency and auditability. * Smart contracts enforce terms like duration, pricing, and dataset scope. # Getting Started Welcome to Wagon Network — a platform where you can earn stable, asset-backed yields by tokenizing real-world supply chain assets like trucks, sea vessels and heavy equipment. Whether you're new to Web3 or a seasoned investor, Wagon is designed to make participation seamless. *** ## 🧩 What You’ll Need * **A Wallet**\ You can choose: * **Social Login** (e.g., Gmail, Apple) — powered by Particle Network\ \&#xNAN;*→ Easy setup, no seed phrase, and gas fees are covered by Wagon.* * **Crypto Wallet** (e.g., MetaMask, Trust Wallet)\ \&#xNAN;*→ Manual setup and gas fees paid by the user.* * **IDRX Stablecoins on BNB Smart Chain**\ IDRX is used to acquire real-world assets through tokenized asset pools. * **KYC Verification**\ A simple identity verification step to ensure compliance. *** ## 💸 Onramp & Offramp You can **buy or sell IDRX directly on the Wagon platform** through our integrated fiat gateway — **powered by the official IDRX team**. This makes it easy to move between fiat (IDR) and crypto (IDRX) without leaving the app. *** ## 🎯 What You Can Do as an Investor * Join active lending pools * Track your portfolio & yield * Withdraw monthly income # KYC & Account Setup To start participating in any Wagon Network products, users need to create an account and complete a simple KYC (Know Your Customer) process. This ensures platform compliance, transparency, and user protection. *** ## Step 1: Sign Up Wagon Network uses **Particle Network Wallet** integration, allowing users to register using: * Google or Social Login (no crypto knowledge required) * MetaMask or other crypto wallets (for Web3-native users) > **Tip:** Social login users get a free wallet with gas fees subsidized by the platform.

Sign up with ease using social login or your favorite Web3 wallet — powered by Particle Network.

*** ## Step 2: Account Creation Upon login, a secure non-custodial wallet will be created and linked to your account. * For **Google/Social users**, the wallet is generated automatically via Particle. * For **crypto wallet users**, you simply connect your existing wallet.

Verify your profile to start lending and unlock IDRX offramp tools.

*** ## Step 3: KYC Verification To ensure regulatory compliance, users must complete a one-time KYC process: * Fill basic personal information * Upload government-issued ID (e.g. passport, KTP) Most verifications are processed within minutes. In rare cases, it may take up to 24 hours. > All personal data is securely encrypted and handled by trusted KYC providers.

Complete your KYC by submitting ID and personal info to unlock full platform access.

*** ## Step 4: Ready to Invest Once verified, users can access: * Lending pools * Yield tracking dashboard * Onramp / Offramp tools (including IDRX purchase) Welcome to Wagon Network — you’re all set to invest, earn yield, and contribute to real-world impact.

You're Verified — Access all features including tokenized asset pools, IDRX onramp/offramp, and yield dashboard.

# Deposit & Cash Out IDR Before you can start lending or earning yield through Wagon Network, you’ll need to deposit Indonesian Rupiah (IDR) into your wallet. This process allows you to convert your IDR into IDRX—a stablecoin used within the platform for investment activities. When you’re ready to cash out, you can seamlessly convert your IDRX back to IDR and withdraw to your bank account. This integrated on/off-ramp process is built to feel as easy and secure as using a traditional e-wallet—fully non-custodial, fully yours. ## 🏦 Deposit IDR (Top-Up) Follow these steps to deposit IDR and receive IDRX into your wallet: * **Log in to your account** and make sure your profile is **Verified**. * Go to the **Profile** page and select the **Onramp** tab. * Choose your **destination network** (e.g. Base). * Enter the deposit amount in IDR (minimum Rp 20,000).
* Click **Exchange Now** and follow the payment instructions via Duitku. * Available methods: Bank Transfer, E-Wallet, QRIS.
* Wait 1–2 business days for the IDRX to be processed and sent to your wallet.
{% hint style="info" %} ⚠️ *Make sure the bank account name matches your verified name.* {% endhint %} *** ## 💵 Cash Out IDR (Withdraw) * **Log in to your account** and make sure your profile is **Verified**. * Go to the **Profile** page and select the **Offramp** tab. * Select the network where your IDRX is stored (e.g., Base). * Enter the amount of IDRX you want to convert.
* Register or select your bank account.
* Click `Exchange Now` and sign the message to confirm.
* Your IDR will be sent to your bank account in 1–2 business days.
*** ## ❓ What is IDRX? **IDRX** is a stablecoin backed 1:1 with Indonesian Rupiah (IDR). It’s used across the Wagon Network to facilitate lending, withdrawals, and rewards. Think of it as your digital IDR inside Wagon—fully transparent, auditable, and on-chain. # How to Start Investing Investing through Wagon Network is simple, transparent, and designed for passive income. As an investor, you can allocate your IDRX to various **Tokenized Asset Pools** and start earning yields backed by real-world assets like trucks, equipment, or logistics contracts. Follow these steps to get started: ## 1. Connect Wallet & Complete KYC To interact with the platform, connect your wallet (Particle Network or crypto wallet) and complete KYC. Social logins like Gmail are supported and gas fees are subsidized. > [🔗 *Need help?* Refer to Set Up Your Account](/for-investors/kyc-and-account-setup) *** ## 2. Deposit IDR (IDRX) You’ll need IDRX stablecoin to lend. Use the integrated onramp to deposit IDR and receive IDRX directly in your wallet. > [💡 Learn more: Deposit & Cash Out IDR](/for-investors/deposit-and-cash-out-idr) *** ## 3. Browse Available Tokenized Asset Pools Explore open investment opportunities with detailed information on: * Target yield * Pool size * Borrower * Asset type (e.g. trucks, heavy equipment) * Duration & maturity Each pool is backed by tokenized real-world assets and legal rental contracts.
*** ## 4. Invest to a Pool Choose the pool that fits your risk and return preference. * Click **“Lend Your Cryptocurrency”** and enter how much you want to lend and confirm the transaction.
* Click **“Approve”** and wait for your wallet to prompt a confirmation dialog. This step grants permission for the application to access your IDRX balance. * Click **“Confirm”** to finalize approval.
* Click **“Lend to Pool”** and wait for your wallet to prompt a confirmation dialog. This is a security step to ensure only you can authorize the transaction. * Click **“Confirm”** to finalize the lending transaction.
* Once signed, your transaction will be submitted and your IDRX is officially lent to the pool. * Your position will appear under **Your Investment Statistics** in the dashboard.
# Track Your Investment Wagon Network provides full transparency by allowing investors to monitor the performance of the assets they finance in real time. ## 1. Asset Activity Monitoring Track the operational usage of the underlying trucks that generate your yields: * **Total Shipments** completed by the leased assets * **Total Distance** traveled * **Total Weight** transported * **Number of Active Assets** on the road * **Daily Shipment Activity Graph** to observe business activity over time * **Shipment Logs** detailing each trip: route, weight, distance, and asset used These metrics provide proof-of-usage for the rental assets, ensuring yield generation is backed by real activity.
*** ## 2. Repayment Schedule & Claim Stay updated on your yield and principal repayment: * View monthly **Repayment Schedules** by term * See which repayments are already **claimable** * Monitor the status of **future distributions** * Claim all eligible earnings with one click This helps investors manage expected cash flows and ensure timely returns.
*** ## 3. Transaction History Wagon logs all interactions transparently on-chain: * Blockchain **lend, claim and repay transactions** * **Block number**, **amount**, and **event type** (Claim or Repay) * Direct links to view the transaction on-chain This gives you full visibility and auditability over every transaction involving your funds.
> With Wagon Network, investors are not just investing — they are actively connected to the real-time performance of the assets they back. # Risks & Disclaimers Investing in Wagon Network involves certain risks. While we prioritize transparency and on-chain accountability, it is important for every user to understand the potential risks involved before participating in any lending pool or investment opportunity. *** ## 1. **Default Risk from Borrowers (MSME)** * **Risk:** Borrowers may fail to pay rental obligations or cease operations entirely. * **Mitigation:** * Strict eligibility screening and credit scoring. * Legal right to repossess leased assets. * Collateral recovery and asset liquidation mechanisms. *** ## 2. **Asset Operational Risk** * **Risk:** Logistics assets (e.g., trucks) may be unproductive or suffer damage. * **Mitigation:** * All financed assets are comprehensively insured. * Routine maintenance and operational inspections. *** ## 3. **Asset Depreciation Risk** * **Risk:** The value of physical assets may decline due to wear or market conditions. * **Mitigation:** * Each project is time-limited to preserve asset value at the end. * Insurance coverage protects against physical damage or loss. * A portion of rental income is set aside regularly to ensure principal repayment at maturity, reducing dependency on final asset value. *** ## 4. **Smart Contract or Technical Risk** * **Risk:** Bugs or vulnerabilities in smart contracts may affect fund distribution or security. * **Mitigation:** * All contracts undergo third-party audit and are open-sourced. * Emergency stop and upgrade features are built into the protocol. *** ## 5. **Liquidity Risk in Secondary Market** * **Risk:** Tokens representing fractional ownership of assets may not be easily sold on the secondary market. * **Mitigation:** * Wagon provides an internal marketplace. *** ## 6. **Regulatory Disclaimer** * Wagon Network operates in alignment with current regulatory frameworks. * Users are responsible for understanding applicable tax and legal obligations in their jurisdiction. *** ## 🛡 Disclaimer This platform does not provide investment advice. Participation in asset-backed DeFi pools involves risks, and past performance does not guarantee future returns. Users are encouraged to do their own research and assess their risk tolerance before participating. # Wagon’s Web3 Infrastructure Welcome to the foundation of trustless finance Wagon Network is powered by blockchain — enabling transparent, automated, and secure financing for real-world assets. This section explains the Web3 components that make it all work: from setting up your wallet to understanding IDRX and on-chain activity. Whether you're a seasoned DeFi user or completely new, we’ve made it easy to get started. #### In this section, you’ll learn: * Which blockchain networks we support and why * How to use your **Particle Wallet** or connect your own * The role of **IDRX**, our on-chain IDR stablecoin * What happens under the hood when you click “Lend” — including **gas fees**, **approvals**, and **on-chain confirmations** 💡 *Wagon is designed to be user-friendly, even for those new to crypto. With features like social login, gasless transactions, and local currency onramp/offramp, blockchain becomes seamless and invisible.* # Supported Networks Wagon Network currently supports multiple blockchain networks to ensure seamless access, low-cost transactions, and reliable infrastructure for DeFi lending and data tracking. ## ✅ Live Networks * **BNB Smart Chain (BSC)** * Fast, low-cost, and EVM-compatible. * Chosen for its **low fees**, **reliable uptime**, and **strong ecosystem support**. * Integrates directly with **IDRX stablecoin** for on-chain lending and repayments. * **Base** * A secure Ethereum Layer 2 (L2) network built by Coinbase. * Offers scalability and reduced gas costs. * Integrates directly with **IDRX stablecoin** for on-chain lending and repayments. > Users can switch between supported networks via their wallet. Wagon will automatically detect the correct network and prompt the switch if needed. ## 🛠 Why Multi-Chain? * Enhance accessibility for users across different ecosystems. * Leverage low fees and scalability on Layer 2 chains. * Provide redundancy and flexibility for future DeFi integrations. # Particle Network > **✨ Instant Wallet, Zero Friction**\ > Create your wallet with just your Gmail, Apple, or other social accounts. No seed phrases, no setup — just log in and go. *** ## 🔹 Why We Use Particle Network
FeatureBenefit
🔓 Social LoginInstantly access your wallet with Gmail, Apple, Facebook, and more.
🔐 Non-CustodialYour keys are protected via MPC — you retain full control.
💰 Gasless UXGas fees are subsidized for social login users.
🔄 Multi-Chain ReadyWorks across BNB Chain, Base, and future supported networks.
📲 Embedded WalletNo browser extensions or mobile apps required. Everything in-app.
*** ## 🛠️ How It Works (At a Glance) 1. Login → Wallet is auto-created behind the scenes. 2. Your wallet is securely generated via **MPC**. 3. Use it to lend, track yields, and withdraw — all inside the app. 4. You can also connect MetaMask or other crypto wallets if preferred. *** ## ✅ Pro Tip: Want more flexibility? Switch to your personal crypto wallet anytime for full DeFi experience. *** ## Learn More For more information about Particle Network, visit:\ 🔗 # Understanding IDRX **IDRX** is a blockchain-based stablecoin issued and managed by the IDRX team, and designed to maintain a 1:1 peg with the Indonesian Rupiah (IDR). *** ## Why IDRX? Wagon Network leverages IDRX as the core medium of exchange on our platform because it provides: * **Price stability** – Users avoid volatility by transacting with a stable asset. * **On-chain interoperability** – IDRX is compatible with multiple blockchains including BNB Chain and Base. * **Regulatory alignment** – It reflects a fiat value while remaining on-chain, reducing conversion complexities. * **Simplified user experience** – Especially for Indonesian users who prefer transacting in their local currency. *** ## Key Features of IDRX * **1:1 IDR Peg**: Every unit of IDRX aims to represent 1 Indonesian Rupiah. * **Custodial-backed**: The token is backed by fiat reserves held by the issuer. * **Cross-chain availability**: Currently available on BNB Smart Chain and Base. * **Supported by on/off ramp**: Direct conversion between IDR and IDRX on Wagon via integration with IDRX. *** ## Using IDRX on Wagon Network Users can: * Deposit and withdraw IDR using IDRX via the integrated onramp/offramp. * Lend IDRX to pools to earn yield. * Receive repayments and profits in IDRX. All core transactions in Wagon’s lending ecosystem are denominated in IDRX to keep everything stable and familiar for local users. *** ## Learn More To explore the IDRX stablecoin in more detail, visit the official website:\ 👉 [https://idrx.co](https://idrx.co/) # Master Password When using Particle Network on Wagon, security is paramount. You’ll encounter two types of passwords to help protect your wallet and assets: ## 1. **Master Password** * **Purpose:** Used to encrypt and back up your local MPC (Multi-Party Computation) key shard. * **Important:** This password is **only known to you**. Wagon or Particle **cannot recover** it if lost. * **Recommendation:** Store your Master Password securely and avoid losing it — it's essential for account recovery. ## 2. **Payment Password** * **Purpose:** Acts as an extra verification step before signing transactions. * **Flexible:** Unlike the Master Password, this can be turned off or reset anytime via your profile settings. These passwords ensure your account remains safe and fully under your control — even when using convenient social login options like Google or Apple. For more technical details on password configuration and behavior, refer to the Particle Network docs. {% embed url="" %} # Safe Usage Guide Your security is our priority. While Wagon Network leverages trusted tools like Particle Network to safeguard your account and transactions, here are a few important tips to help you stay safe: ## ✅ 1. Protect Your Master Password * Never share your **Master Password** with anyone. * Store it in a secure password manager. * Losing it means losing access to your wallet — it **cannot be recovered**. ## ✅ 2. Be Cautious with Public Devices * Avoid logging in from public or shared computers. * Always log out after accessing your account on another device. ## ✅ 3. Use a Trusted Device * Ensure your device is free of malware or suspicious browser extensions. * Keep your operating system and browser up to date. ## ✅ 4. Enable 2FA (if available) * For services linked to your login (e.g., Gmail), activate two-factor authentication (2FA) to add an extra layer of protection. ## ✅ 5. Beware of Phishing * Always check you're visiting — avoid fake links or imitations. * Wagon team will **never** ask for your password or private key. ## ✅ 6. Review Permissions * Before approving any transaction or connection, review: * The website domain * Transaction purpose * Amounts and tokens involved *** By following these practices, you ensure a safe and secure experience while interacting with Wagon Network and your Web3 wallet. # Contracts, Audit, KYC To build trust, transparency, and compliance within the Wagon Network ecosystem, we prioritize secure smart contract development, independent audits, and user verification processes. This page outlines how we ensure the system's integrity and regulatory readiness. ## Smart Contracts All core financial activities — including lending, staking and WAG Token— are managed by smart contracts. These contracts are deployed on-chain and are immutable once published. Users can interact with them via our user interface or directly through blockchain explorers. * Contracts are written in Solidity and follow industry-standard design patterns. * Contract addresses are publicly available for verification. {% tabs %} {% tab title="WAG Token" %}
ContractAddress
WAG (ETH Network)0xd50c8a17d5c4b8e2d984933C7E37e5B92d687B8D
WAG (BSC)0xd50c8a17d5c4b8e2d984933C7E37e5B92d687B8D
Timelock (ETH Network)0xA71D5F9BB16d8e073CCa5617065Faf6402098C88
Audited by Solid Proof {% endtab %} {% tab title="Staking" %}
ContractAddress
Staking (ETH Network)0x28aC3403D3d2c7cC6776284daED0B02528b289AD
{% endtab %} {% tab title="RWA Lending" %}
ContractAddress
Lending (BSC)0x2ebBe1681d914369a0dFcff42213004844472a3F
Lending (Base)0xd73E46c8dDCAF307a2569c66D8cb1366a6799441
{% endtab %} {% tab title="KYC" %} Wagon Network Dev Team KYC by Coinsult [https://coinsult.net/projects/wagon-network](https://coinsult.net/projects/wagon-network/) {% endtab %} {% endtabs %} # Where to buy WAG WAG are officially listed on
NetworkExchange
Ethereum Networkhttps://app.uniswap.org/swap?&inputCurrency=ETH&outputCurrency=0xd50c8a17d5c4b8e2d984933C7E37e5B92d687B8D
Binance Smart Chain (BSC)https://pancakeswap.finance/swap?outputCurrency=0xd50c8a17d5c4b8e2d984933C7E37e5B92d687B8D