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Finolog 2.0
对企业的可获利信任评级

为企业家,投资者和债权人提供分散的融资平台
Crowdsale stages
1
Private sale
Closedacquired $120к
2
Private sale 1
Starts from $100к, 30% discount
Participate
3
Public sale 2
Discount 20–0%

目前的货币分配市场是无效的

通常,金钱不是由真的知道如何有效地管理它们的人接收,但做出明亮的演示并且精美地说话的人接收

У企业家没有以确认其有效增加资本的能力的简单方法

投资者没有以选择适当对象的简单可靠的方式。

市场低效率带来更高的利率,风险,高时间和情绪成本。

Problems of financing small businesses

If you are an owner or a manager of a small or medium business and have tried to get a loan from a bank, you may have faced problems. You have to prepare a lot of documents, go through the bureaucracy and then, most likely, get rejected.

From 50% (in the US) to 70% (in developing countries) of SMEs are underfinanced in one way or another – i.e. they cannot get a loan at all, or a loan is only partly approved. The shortage of SMEs financing in the world ranges from $3.1 trln to $3.8 trln (in developing countries – from $2.1 trln to $2.5 trln).

对营运资金提供资金

我们想出了一个解决方案,不增加其风险,让企业家积极互相借钱

约翰和亚历克斯没有商业关系史,所以约翰还没准备好以延期付款的方式向亚历克斯出售货物

约翰和玛丽在商业关系有着悠久的历史

玛丽亚准备以延期付款的方式向亚历克斯出售,但是亚历克斯现在不需要玛丽亚的商品或服务

每个人都能获得的融资平台

我们正在建立一个分散的融资生态系统。每个人都可以赚钱。连接到平台,丰富数据并从销售中获得佣金。

我们提供财务成功评级

可以准确的分块评级显示了一个人如何有效地对待他的钱,借借债的和投资者的。为了了解它有多少商业,以及有多大显示企业家的整个历史。

在这里为什么区块链?

在分布式块网络中没有单一的事实来源。为替换数据,您需要替换网络的多个节点中的数据。

典型的信用局可能会被黑客入侵,数据可以被替换。我们的评级免受这种操纵。

Roadmap

2014

Launch of free services for entrepreneurs.

2015

Launch of the finolog.ru financial accounting service

2016

Development and improvement of the finolog.ru features. Integration with the TOP 4 bank in Russia.

2017

Launch of the University of Finolog and courses for entrepreneurs. 30,000+ people attended the courses. Finolog reached the operational break-even point.

Implementation of the features for accounting liabilities and automation of sales.

2018

Start of the Finolog 2.0 Platform project, concept development, preparation of documentation, start of fundraising.

The development plan relies on raising a Hard Cap. Tokenholders can vote for the priorities in the development stages and for the selected features.

Ranking of the financial management efficiency: calculation of the financial ranking based on data received from the bank API. Such metrics as CF, PnL, Balance, ROE, ROA and others, as well as their derivatives, are taken as a basis.

Recording the history of the change in the ranking of the financial management efficiency to blockchain.

Personal account for platform participants and billing in tokens, which allows payments for platform services and payments for services of data consumers and services that enrich data.

Integration with banks. The target KPI depends on the number of countries of presence: We prepare solutions for banks with PSD2 and banks in Asia that are ready to provide data via API, and also develop 3-4 ready-made connectors to major banks that require specific implementation of extracts.

2019

Launch of the short-term P2P lending platform: building a "social" graph of the company, specifying lending limits they set for counterparties and counterparties set for them, a feature of transferability of trust.

Recording transactions of mutual lending to blockchain.

A marketplace for long-term lending: an SME segmentation feature and the possibility of impersonal preliminary scoring of potential borrowers by banks to select companies for which they are willing to preapprove a loan.

Enhanced service for counterparty verification.

Marketplace for data: API for services and data, query constructor and segmentation taking the enriched data into account.

SDK for major platforms and development tools.

Sandbox for tests where third-party developers can start testing their services on real data.

Paying for data and scoring with tokens.

Marketplace for services: marketplace for services with deep integration. Billing for external services: services can accept payment with FNLG tokens.

Verification of all services.

Advanced API for services.

Emergence of the first services on the platform: constructor of public indices and ratings (for example, top 10 coffee houses in Bangkok)

Integration with data enrichment services: CRM, management accounting, analytics, and litigation systems, etc.

100,000+ registered companies in the system by the end of 2019, of which at least 10,000 used paid services of the platform.

2020

Since tokenholders can vote for the prioritization in the features, it is impossible to accurately predict the development stages. We see the following blocks as important for the system features and are going to implement them in 2020-2021:

Loan tokenization, secondary market for tokenized loans.

Factoring.

Creation of investment clubs on the platform.

Smart contacts for constituent contracts.

The platform is expected to have 1 million registered SMEs by the end of 2020, at least 100,000 of them use the paid features of the system.

The platform is expected to have 10 million registered SMEs by the end of 2021, at least 1,000,000 of them use the paid features of the system.

Spending the funds raised

The budget structure depends on the size of the funds raised. With a small amount of funds raised, we will enter fewer markets and spend less money on marketing at the initial stage. With a large amount of funds raised, we will enter more markets simultaneously and invest more in marketing to accelerate the platform growth.

DAICO model: transparency, protection of the tokenholder funds

The DAICO model will allow the tokenholders to control the funds withdrawal and to vote for the return of the remaining funds in case the team fails to cope with the project implementation.

Developers do not receive all the funds at the end of fundraising
Within DAICO, the funds raised are stored in a decentralized way and fully secure manner. The crowdsale terms are completely transparent and are spelled out in a smart contract.

Tokenholders control the funds receipt
“Tap” is a key variable of a smart contract. The tap defines the amount of ETH per second received by the developers.

If the team needs to raise more funds to accelerate the project development, it sends a request to tokenholders to "open the tap." If the arguments are convincing, tokenholders increase the money flow.

Funds can be returned
Tokenholders can vote for the DAICO shutdown and return the remainder of their investments.




我们已经有了什么?

菲诺洛格- 是我们自己的服务为了核算在商业中的金钱。可以从银行下载数据,有一个强大的API。
2年的咨询经验并创建金融课程

我们提供课程: 10 000人已经订阅了我们的课程:反成何体统,预算编制,矫正用的和工作人员的动机。包括2,269个要付钱的。

我们已经2年为企业建立财务模型。总共有800多个客户。

在小企业的财务会计和分析类别中Finnext 2017的优胜者

Finnext 2017

我们的团队

Mikhail Smolyanov
菲诺洛格的创始人

Unisender公司的董事会主席。在“梅加普罗雷夫” 教中心开发俄罗斯业务。米哈伊尔是营销,销售和财务管理课程的作者。

Aleksandr Galchenkov
发展经理

Denis Lapaev
产品经理

数学家,在full stack开发中有15年经验,企业家,在过去三家e-commerce公司的联合创始人

Aleksey Novichkov
设计师

具有开发者技能的设计师。有11年的设计经验,其中6年在万维网服务器设计。奥普季马文本编辑器的创建者。

Taisiya Kudashkina
通讯联合创始人和总监

Websarafan首席执行官- 最大的讲俄语的Facebook社区为企业家(10万参与者)。经验:tulp.ru首席执行官,该项目已收取300万美元的资本投资。她在欧洲富豪榜上名列100名最成功的女企业家。

Kirill Pshinnik
营业部门主管

有超过12年的销售和营销经验。在梅加普兰的前销售总监,在俄罗斯最大的额外儿童教育联邦网络-尤尼乌姆(超过1000名员工)的商业总监企业家。“梅加普罗雷瓦” 和“特里普卡费”旅行公司的共同所有者和首席执行官。两个高等教育:莫斯科国立大学力学数学系(2007)和在Kingston business school, London MBA(2016)。

Jason Grant
出主意的人

加密孵化器创业公司的所有者:自2017年以来和最具影响力区块链的专家一起一直在进行ICO并参与加密社区。区块链产品和协议的设计者:在为Amex, HSBC 和 Lloyd's Bank开发全球金融科技系统方面拥有丰富的经验,获得了多项奖项。区块链执行教练:在区块链系统根据各大银行董事总经理汇款的训练班。

Anton Antich
出主意的人

董事和投资者。为业务规模流式操作将销售额达从500万至500万美元。目前,专注于个人天使在各种b2v软件上的投资(AI,通用零售渠道,空间技术,基础设施软件)和食品公司, 就全球规模和运营提出建议。

Mikhail Saakashvili, Ambassador

Georgian and Ukrainian statesman and politician.

Mikhail Saakashvili is a fan of SMEs development, which he considers the basis for the prosperity of the economy. He created all the conditions for the rapid development of SMEs in Georgia, but after his presidency, the three largest banks associated with the new government began to dominate in the Georgian economy. He believes that the modern banking system is an outdated, inefficient and artificially created oligopoly for the distribution of resources in the economy, which allows the concentration of all resources in the hands of a few.

Mikhail also eliminated red tape in the state, simplifying the procedures and processes of approval, and simply terminated the countless supervising bodies consisting of parasites engaged in pure extortion from entrepreneurs. Due to this measure, Georgia took the 9th place out of 190 possible in the Doing Business ranking of the World Bank.

We contacted Mikhail through mutual friends, told him about Finolog 2.0 and our main goal, and asked him to support our project. Mikhail enthusiastically agreed to support us at our very first meeting after having learned more details about our project, without any conditions and without demanding any compensation for his support (what a rarity in the current cryptoworld, isn’t it?)

Distinctive facts

Giant market

99.7% of the 400 mln registered companies in the world are small and medium businesses, and 70% of them have no access to bank loans.

If our fee is 2% of the transaction amount, the average transaction amount is $10 thous., and we cover 50% of small and medium businesses (which cannot get a bank loan), and each company conducts at least one transaction per year through our system, our annual commission will be $40 bln.

How the problem is solved now

At the moment, companies solve this problem by lending to each other under the terms of delivery with a deferred payment ("I will provide you a product or a service now, and you will pay later"). In fact, entrepreneurs act as a microlending bureau, calculating and setting credit limits for their partners.

Restrictions: this only works with trusted counterparts with a long history of relationships and does not work with new partners.

Our solution

We allow trust to spread as a chain. If I trust you, and you trust your counterparty, it means that I can trust them too, with your guarantees. If we are ready to cooperate with you on deliveries with a deferred payment, and you cooperate with your partner under the same terms, it means that I can provide your partner with goods or services on a deferred payment with your guarantees.

We are building a social network for small and medium businesses where the company's "friends" are its business partners and each partner has a "level of trust" (the maximum number of products/services the company is willing to provide with a deferred payment). When the company claims that it is in search of a new partner, our system automatically searches for a way between the company and potential suppliers and sends a request for participation in the transaction to existing counterparties, as well as a request for the amount of the fee the guarantors (intermediate links of the chain) demand for their services.

Ways of global distribution

Network model
Companies are interested in attracting their partners on the platform. If a business owner is interested in increasing sales or looking for new suppliers willing to lend goods or services to their business, they need to specify a lending limit. In their turn, potential partners also indicate their lending limits. If the company does not specify its lending limit, the system will not be able to select partners for it. As such, the idea will spread in a viral way.

Umbrella-type model of attracting customers
Fintech startups usually have to pay for each attracted customer, so the total funding budget is about $200-300 mln. Instead of attracting customers one by one, we will use the opportunities of large companies, which already have channels of distribution and sales to thousands of customers. This will allow us to significantly reduce not only the cost of attracting customers, but also the overall budget (our hard cap is $20 mln).

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