Small businesses often face lengthy and costly bank approval processes when they need funding. But imagine if companies could directly convert their factories, machinery, or even future revenue streams into on-chain assets, then quickly issue bonds or equity financing? It sounds like science fiction, but it’s already becoming a reality in Europe.

What Dusk is doing is exactly that. It helps businesses digitize their real-world assets and put them on the blockchain, simplifying the redundant processes of traditional finance. In Europe, Dusk has partnered with financial institutions to pilot real estate tokenization—future investors might be able to buy digital shares of a building directly from their phones, just as easily as shopping online, without the need to sign a bunch of paper contracts.

The cleverness of this solution lies in "protected transparency." All transactions are encrypted and stored using privacy technology, ensuring the data of both parties is securely protected; yet, regulatory authorities with legal authorization have auditing rights, allowing them to view the full transaction chain at any time. This is especially useful for supply chain finance—suppliers can privately prove inventory data to obtain financing, without revealing trade secrets to competitors.

Another highlight is automated smart contracts. When loans mature, repayments can be automatically and precisely completed, eliminating human delays and errors. This logic can also be extended to art and intellectual property transactions, enabling creators to turn their works into cash directly and securely.

Dusk’s goal is very pragmatic—not to push some cutting-edge technology, but to build a truly user-friendly tool. It aims to help small businesses and individuals access financial resources in a fairer, more efficient way in the digital economy era, breaking free from the constraints of traditional finance.