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Finolog 2.0
수익이 창출되는 비지니스 신뢰성의 레이팅

기업가, 투자자 및 채권자를위한 분산된 융자 플랫폼
Crowdsale stages
1
Private sale
Closedacquired $120к
2
Private sale 1
Starts from $100к, 30% discount
Participate
3
Public sale 2
Discount 20–0%

현재의 자금 배분 시장은 비효율적입니다

종종 실제로 효과적으로 자금을 관리할 수 있는 사람들이 돈을 받지는 않지만 대신 생생한 프레젠테이션을 만들고 아름답게 말하는 사람들은 돈을 받게 됩니다.

기업가는 자신의 자본을 효과적으로 늘릴 수 있는 능력을 확인하는 쉬운 방법이 없습니다.

투자자는 자신에게 적합한 대상을 선택할 수 있는 간단하고 신뢰한 방법이 없습니다.

시장의 비효율성에 인해 높은 금리, 위험, 높은 시간 및 정서적 비용들이 발생됩니다.

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).

운전 자금 조달

우리는 중소기업의 위험을 증가시키지 않고 중소기업의 상호 자금 조달을 늘릴 수 있는 솔루션을 창조했습니다

예: “존”과 “알렉스”는 사업 상 관계의 역사를 가지고 있지 않으므로 존은 연기금으로 알렉스에게 물건을 팔 준비가되어 있지 않습니다

“존”과 “마리아”는 오랜 사업 관계를 가지고 있습니다

마리아는 연기금으로 알렉스에게 물건을 팔 준비가되어 있지만 알렉스는 마리아의 물건이나 서비스를 필요로 하지 않습니다.

모두다 수익을 받는 플랫폼

우리는 분산 된 융자 생태계를 구축하고 있습니다. 각자가 수익을 받을 수 있습니다. 플랫폼에 연결하고 데이터를 확대하고 데이트의 판매에서 커미션을 받게 됩니다.

재무 성공률을 제시합니다

검증된 블록체인 등급은 자신이 소유하거나 빌린 또는 투자로 받은 자본을 얼마나 효과적으로 운영하는지 방영합니다.

왜 블록체인입니까?

분산된 블록 네트워크에는 진실의 단일 소스가 없습니다. 데이터를 대체하려면 네트워크의 여러 노드에있는 데이터를 대체해야 합니다.

일반적인 신용 기관은 해킹에 당할 수 있으며 데이터를 대체 할 수가 있습니다. 우리의 레이팅 제도는 그러한 행위로 부터 보호됩니다.

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.




우리는 이미 무엇을 가지고 있습니까?

Finolog(재무학자)는 비즈니스 금융 회계 처리하는 자체 서비스입니다. 이시스템은 은행에서 데이터를 다운로드할 수 있고 강력한 API를 사용할 수 있습니다.
금융 분야의 컨설팅 및 강의 과정을 구축하기: 2 년 경력

교육 과정 출시. 10 000 명의 사람들이 이미 우리 코스에 등록했습니다: 안티 메스, 예산, 비틀기 및 인센티브. 유급 학생 2,269 명 포함.

우리는 2년 동안 사업용 재무 모델을 구축해 왔습니다. 800명이 넘는 고객을 보유하고 있습니다.

Finnext 2017 이라는 상 수상 (중소기업 전용 재무 회계 및 분석)

Finnext 2017

우리 팀

Mikhail Smolyanov
재무학자 제도의 설립자

Unisender의 이사회 회장. 교육 센터 Megaproryv에서 러시아 비즈니스를 발전시킵니다. 미하일 (Mikhail) - 마케팅, 판매 및 재무 관리 교귝 프로그램의 저자.

Aleksandr Galchenkov
개발 지도자.

Denis Lapaev
프로젝트 지도자

수핫 학자. Full stack 개발의15년의 경험을 가졌습니다. 기업가, 전에 전자 상거래 회사 3개의 공동 설립자입니다.

Aleksey Novichkov
개발자 기술을 갖춘

디자이너입니다. 11 년의 디자인 경험, 6 년의 웹 서비스 디자인 경험을 가졌습니다. 텍스트 편집기 Optima의 창시자입니다.

Taisiya Kudashkina
통신부 본부장 및 공동 설립자

Websarafan이라는 기업가를 위한 최대 규모의 러시아어 페이스북 커뮤니티 (10 만 명의 참가자)의 CEO입니다.경력: tulp.ru의 대표이사였습니다. 프로젝트는 3 백만 달러의 자본 투자를 모았습니다. 그녀는 유럽 성공회 (European Forbes) 가장 성공적인 100명의 리스트에 포함되었습니다.

Kirill Pshinnik
상업부 본부장

영업 및 마케팅 분야에서 12 년 이상의 경력.전 Megaplan 판매 담당 이사인 러시아-유니움 (1000 명 이상의 직원)에서 가장 큰 연방 아동 교육 네트워크의 상업 감독이었습니다. 기업가, Megaproryv 회사 및 TripCafe여행사의 공동 소유자 및 겸 CEO입니다. 두 가지 고등 교육: 모스크바 국립대학교 기계학-수학 학부 (MehMat) (2007) 및 런던 킹스톤 경영 대학원 (2016).

Jason Grant
고문

Crypto Start-up Incubator 소유자 : 2017 년 이래 가장 영향력있는 블록체인 전문가들과 함께 다양ICO 진행하고 및 암호화 커뮤니티를 운영합니다. 블록체인 프로토콜 & 상품 디나이너입니다. 그는 Amex, HSBC 및 Lloyd 's Bank를 위해 세계적으로 수상 경력이 있는 금융 기술 시스템을 설계해서 풍부한 경험을 얻었습니다. 블록체인 초치입니다. 그는 주요 은행의 CEO 및 임원들에게 Blockchain 지원 시스템으로 이동시키는 방법에 대한 코칭을 하고 있습니다.

Anton Antich
고문

이사회 멤버와 투자자. 테이터 드라이브 작업으로 5백만에서 5억의 매출 규모로 비즈니스를 확장합니다.자본과 그의 경험을 투자합니다. 현재 그의 주요 초점은 b2b (인공 지능, 보편적 소매 판매 채널, 우주 기술, 인프라 소프트웨어) 및 식품 회사를 위한 다양한 소프트웨어에 대한 개인적 엔절(angel) 투자입니다. 그는 글로벌 스케일링 및 운영에 관해 이들의 기업에 조언합니다.

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).

.