28/04/2023
Fintoch Introduction
Fintoch Peer-to-Peer Blockchain in Finance
Fintoch is a P2P blockchain financial platform that focuses on innovating blockchain financial market.
Fintoch provides diversified financial services, with its main business being borrowing, investment and financing. The exclusive blockchain security technology "HyBriid" allows users to enjoy true zero-risk blockchain investment.
Fintoch's unique HyBriid technology
HyBriid is Fintoch's security assurance that incorporates multiple signatures, zero-knowledge proofs, smart contracts, and many other technologies.
Fintoch uses HyBriid to achieve true decentralized supervision, with automatic stop-losses when clearing conditions are met. This ensures that there is no risk of loss of investors' funds. HyBriid advances the development of capital security technology and takes blockchain transactions to the next level of security.
HyBriid Structural Diagram：
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Application description of HyBriid in Fintoch：
(1) When a Fintoch user wants to borrow money, HyBriid will randomly select 10 nodes from 100 anonymous supervisory nodes twice and use zero-knowledge proof cryptography to jointly generate two supervisory private keys. The two supervisory private keys are then used to create a multi-signature lending contract wallet with the borrower through multi-signature technology.
(2) The lending contract wallet requires two out of the three parties to provide private key authorization in order for the fund to be called. These three parties namely are the borrower and the two anonymous supervisory nodes respectively. These three parties must jointly comply with the agreement to use the funds. According to the rules of the agreement, it is assumed that to cheat or commit fraud jointly, it requires all 10 supervisory nodes to collude with the borrower and the probability for this to happen is almost zero. Thus, Fintoch's HyBriid technology has maximizes the security of both lenders and borrowers' funds.
Secure ,High Return in Blockchain Loan and Lending Aggregation Pool
At the cutting edge of DeFi technology, the Fintoch platform enables users to freely and securely engage in peer-to-peer financial activities, fixing up together a variety of blockchain investments neither behaviors nor activities. The whole process of investment is carried out by using blockchain technology and minimizing the involvement of centralized institutions, which will lead to a faster transaction processing time among users and achieve the objective of cost-effectiveness, and generate a higher return of investment (ROI). There are diversified lending needs on the platform, and investors can choose different capital volume targets for investment according to their preferences.
Fintoch has largely complemented the drawbacks of traditional finance and breaks through the barriers of today's DeFi system and has successfully become the most popular application called "DeFi 2.0".
Secure and Efficient Blockchain Short-term Loan Financing
The Fintoch loan financing function is calculated daily ,and seamlessly to achieve stable returns, while providing a comprehensive protection towards investors who lend money. Borrowers are required to pay a 50% deposit, and short-term loans can only be invested on Fintoch-authorized DEX (decentralized trading platform) or other cross-chain bridges. The system also sets up liquidation conditions, whether the borrowing time expires or the deposit is about to be exhausted, the smart contract will automatically liquidate and withdraw the money from DEX and return it to the investor to ensure that their rights will not be compromised.
For more details regarding the loan financing return rate, kindly refer to the table below
Amount of Investment (USDT)Loan Financing Cycle (Days)Daily Return (%)≥ 100U7 Days1%
High Return and Protection of Blockchain Lending Aggregation Pool
All of the daily profits generated by users will enter the plat- form's lending aggregation pool in real-time and will be matched automatically to borrowers for a 1-day cycle. Therefore, all of the user's daily earnings will be lent again in the lending aggregation pool and the daily lending yield of 1.5% is much higher than the 7-days cycle lending yield. It is conducted under the protection of Fintoch's block- chain technology, which balances high yield and high secu- rity. See the chart for details of the rules for lending users' revenue funds in the lending aggregation pool.
Lending Aggregation PoolRules 1User's funds in the lending pool generate 1.5% compound interest daily and can withdraw funds at any time without any restrictions.Rules 2When user's total accumulated earnings are greater than the user's total individual investment, the earnings in the aggregated pool will no longer match the 1-day cycle of lending and will not generate any compounded earnings.Rules 3Users are required to deduct a service fee of 5.0% of the withdrawal amount each time they withdraw earnings from the lending aggregation pool.
Fintoch's blockchain technology has written a new history and milestone for DeFi and will become the successor and innovator of traditional finance in the future, continuing to bring users the most secure, efficient, and convenient way of financial services.
Decentralized Leverage Borrowing
Borrowing with Fintoch is fast, convenient, secure, and allows for greater borrowing with less margin and higher utilization of user funds.
Fintoch Short-term Leveraged Lending Rates
The funds invested by users in the lending aggregation pool are matched to borrowers with a 7-days cycle, and the funds from the lending pool are automatically matched to users who borrow with 1-day cycles .
Amount of Investment (USDT)Percentage of DepositLending CycleDaily Lending Interest≥ 100U50%1 Day2.5%50%7 Days2.0%
Fintoch Promotes Invitational Revenue
Fintoch's Innovative Financial Model has created a new paradigm for DeFi. To allow more users to enjoy safe, efficient, and high-return peer-to-peer blockchain finance as well as accelerate the development of the ecosystem, Fintoch will reward all users who help in building the ecosystem by providing multiple promotion invitations revenues, inclusive of invitations of a user, team building and partner revenues. This will help users to get access to safe, high-yielding financial products while getting extra income for themselves, indirectly creating a 3 wins scenario for old users, new users, and the platform!
The main revenue of Fintoch is derived from the difference in interest rates on users' lending platform. The invitation revenue and team building revenue received by users are distributed from the platform profits.
FINTOCH'S STO INVESTMENT EQUITY EARNING PRINCIPLES
Can a blockchain investment enable a person to become a shareholder or stakeholder of a company at the same time? In FINTOCH, we are adopting the principle of the" STO investment " model, which allows users to invest in FINTOCH, generate a high amount of returns, receive equity, and become shareholders in this platform concurrently. FIN- TOCH expects to release 30% of its shares and offer them to all users who invest in the platform to become shareholders of FINTOCH!
For all daily earnings generated by investors on FINTOCH, an additional 1% of the number of STO interests in the earnings funds (FTH for short) will be given. For example, an investment of 10,000 USDT will generate 100 USDT in a day and can obtain the FTH which is equivalent to 1 USDT, converted to the corresponding amount based on the real-time price of FTH. When FINTOCH is listed, 30% of the shares will be distributed according to the number of STO equity shares per user.
Amount of Investment (USDT)Daily Earning (USDT)Number of STO Equity (FTH)10000 U100 U1 USDT equivalent number of FTH
The combination of investment and equity allows users to invest in both the "present" and "future" at the same time. Users not only get a higher rate of return, but the value of the equity FTH held will also increase as the platform grows. The earlier you invest, the higher the return you might obtained.
