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Finolog 2.0
ブロックチェーンビジネスのための移動可能な信頼

起業家、投資家、および貸方のための分散化された資金融資プラットフォーム
Crowdsale stages
1
Private sale
Closedacquired $120к
2
Private sale 1
Starts from $100к, 30% discount
Participate
3
Public sale 2
Discount 20–0%

現在の資金配分市場は非効率的です

たいてい、資金は効率的な人々ではなく、インパクトフール及び雄弁的なプレゼンテーションをする人々にたいして、提供されます

起業家のために資本を効率的に増加できる事を簡単な証明方法はありません。

投資家は、投資ファシリティを選択するに容易、信頼できる方法がありません。

非効率市場は利息率、リスク、長い時間、および感情のコストを増大して引き起こしに関連します。

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).

運転資金に融資

当社は企業家がリスク増加なしで、互いに活発にお金を貸すことができる解決法を導き出しています。

ジョンさんとアレックスさんは取引歴がありません、このように、ジョンさんアレックスさnに交互計算で商品またはサービスを引き渡す準備ができていません

ジョンさんとマリアさんは、長いビジネス関係の歴があります

マリアさんアはレックスさんに交互計算で取引する事ができていますが、アレックスさんはこの時にマリアさんの商品またはサービスを必要としません

誰でもかせぐ融資プラットフォーム

当社は、枝分かれした融資のシステムを構築しています。誰でも、 お金をかせぐことができます。 プラットフォームにつながって、 データを豊かにし売り上げから委託料を受け取りましょう。

当社は財務業績のパーフォーマンスを提示します

認証済みの評価人のいかに良く自分のもの、借りたもの、または投資家の資金を取り扱いについて指示します。それは企業家の活動歴を指示して、どれくらいの企業があって、何のスケールであるのか理解を提供します。

ブロックチェーンに関して何かをするべきですか?

配布されたブロックチェーンネットワークは信頼できる単独的なソースはありません。データを切り替えるに、ネットワークの複数のノードでを変える必要があります。

標準信用調査機関はハッキングする可能性があって、データを置き換えることができます。当社の評価はそのような操作に対して保護されています。

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.




当社は、すでに何をしていましたか?

フィノグロは、ビジネスのための独自のキャッシュアカウンティングサービスです。銀行データをダウンロードできて、強力なAPIです。
2年のコンサルタント及び金融コース開発エクスペリエンス

当社はコースを開発し開始します: 10,000人以上はすでにアンチメス、予算、調整、インセンティブを申し込んでいて、その内2,269人が手数料を支払いしました。

当社は、2年間のビジネスの財政的モデルを構築していて800以上のクライアントが持っています。

2017年のFinnext賞を受賞しました(中小企業のための財務会計と解析)

Finnext 2017

我々のチーム

Mikhail Smolyanov
創立者

Aleksandr Galchenkov
R&D部長

Denis Lapaev
製品開発部長

数学者、15年間のフールスタックな開発の経験、企業家であって、以前、3つの電子商取引会社の共同創設者です。

Aleksey Novichkov
デザイナー

開発的な技術をもつデザイナー。11年間のデザインの経験を持って、そのうちの6年間は生産設計です。オプティマのテキスト・エディタです。

Taisiya Kudashkina
共同創設者そしてコミュニケーションの部長

WebsarafanのCEO ―起業家のための最大のロシアのFacebookのコミュニティ(10万人のメンバー)。以前の経験:tulp.ruのCEO、3Mの種子投資を調達したプロジェクト。タイシア(Taisiya)はフォーブスのヨーロッパ版により、起業家の間でトップの成功した100位のランク付けされた女性です。

Kirill Pshinnik
チーフ・コマーシャル・オフィサー

営業・マーケティングの12年間以上の経験。キリールさん(Kirill)は、メガプラン(Megaplan)のディレクター及びロシアの子供用のさらなる追加教育で最も大きい連邦チェーン~Unium(従業員1000人以上)のチーフ・宣伝役員として働きました企業家、Megaproryvと旅行会社TripCafeの共同創設者。ロンドンのキングストン・ビジネス・スクールのMBAを2016年に、MSU (2007)で整備士と数学部を2007年に卒業しました。

Jason Grant
顧問

暗号スタートアップインキュベータのオーナー:2017年からICOと最も有力なブロックチェーンの専門家と共にクリプトコミュニティを運営しています。ブロックチェーンプロトコルと製品デザイナー:アメックス、HSBCとロイズ銀行のために世界的な受賞したフィンテックシステムの設計する事の経験があります。ブロックチェインエグゼクティブコーチ:ブロックチェインを利用可能なシステムにする方法について大手銀行のCEO及びエグゼクティブをコーチしました。

Anton Antich
顧問

取締役と投資家。ビジネスの売上の500万ドルから5億ドルに拡大するためのデータ駆動型オペレーションをしました。ドル投資と専門知識現在、現在、様々なB2Bソフトウェア(AI、小売オムニチャンネル、スペース技術、基盤ソフトウェア)に個人的な天使、食物技術企業、世界的な規模で運用することを宣伝する事に集中しています。

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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