- Cashaa Defines a New Self-Sovereign Financial Ecosystem Built on User Ownership and Autonomy
- The Whitepaper Reveals Cashaa’s Next-Generation Deobanking Infrastructure Designed to Replace Custodial Banking with a User-Controlled Model
London, 20 November 2025: Fintech innovator Cashaa has unveiled its comprehensive whitepaper on Deobanking, presenting a framework for a decentralized, self-sovereign financial ecosystem rooted in user control, regulatory alignment, and complete transparency. The document marks Cashaa’s strategic evolution from traditional business banking solutions to a model dedicated entirely to empowering users through non-custodial, self-managed financial tools.
A Shift Toward Decentralised Autonomous Banking
“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.
Central to the whitepaper is Cashaa’s non-custodial wallet architecture, enabling users to manage both fiat and crypto assets while retaining full ownership of their private keys. This hybrid model merges the discipline of regulated finance with the autonomy of decentralized systems—offering borderless remittances to 130+ countries and Visa-enabled crypto cards usable at over 100 million merchants globally.
Empowering Users Through Self-Sovereignty
Commenting on shifting global trends, Khan added:
“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… With Deobanking we are putting ownership back in the hands of individuals. We must remember that the only financial system that cannot collapse is one where users hold their own keys.”
Strengthening Earn, Borrow & CAS Token Utility
Cashaa’s existing financial products already reflect its commitment to user autonomy:
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Earn Program – Up to 26% annualised returns on stablecoins and up to 18% on crypto for top-tier users.
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Borrow Program – Instant collateral-backed loans with LTV ratios up to 90%, enabling liquidity without asset liquidation.
Both programs operate on a tiered loyalty system determined by users’ CAS token holdings, offering enhanced yields, preferential loan terms, cashback, fee reductions, and crypto card spending privileges.
The Deobanking whitepaper outlines a further expansion of CAS utility, including:
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Tier-based cashbacks
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Higher crypto card spending limits
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Global remittance discounts
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Increased integration across new decentralized tools
Addressing the Limitations of Traditional Banking
The publication highlights longstanding issues with both conventional banks and centralized crypto exchanges—including custodial risks and restricted access—while proposing Deobanking as a secure, compliant, and user-first alternative. It details Cashaa’s plans to expand asset support, strengthen wallet infrastructure, and introduce broader decentralized finance features.
The full whitepaper can be downloaded at:
https://cashaa.com/wp-content/uploads/2025/06/Cashaa-Whitepaper.pdf
About Cashaa
Founded in 2016, Cashaa began with the mission that people should truly own their money. Initially using Bitcoin for instant cross-border transfers in Asia and Africa, it grew rapidly into a global financial platform. Cashaa has supported over 500 companies, including Binance, Paxful, Nexo and others across Asia, Africa, Europe, and LATAM—providing reliable banking access when traditional institutions refused.
Today, through its Deobanking model, Cashaa is building a secure non-custodial wallet ecosystem that empowers users to control their private keys, manage fiat and crypto seamlessly, and transact across 130+ countries—bridging regulated finance with the freedom of decentralized systems.
Learn more at: https://cashaa.com/
