Learn how Blossom's blockchain-based sukuk platform can help strengthen & grow capital markets within your jurisdiction.

1. Social Impact & Emerging Market!
Securitization on the Blockchain
Contact: info@blossomfinance.com

2. Islamic Finance is Lagging Behind
Muslims: 24%!
global population
Islamic finance: only 1%
of global market
Global growth potential ~
$82 Trillion
Source: Deloitte “The International Islamic
Financial Market”

3. Untapped Opportunity for Financial Inclusion
700 Million !
“Muslim Futurists”
42% of global Muslim population
“Young and proudly Muslim, combining
faith, consumerism, and digital lifestyle”
Source: Oglivy & Mather "The Velocity Report:
The Reshaping of Global Growth”
910 Million !
Unbanked Muslims
76% of global Muslim population!
Lack any formal account!
at a financial institution
Source: The World Bank "Islamic Finance and
Financial Inclusion" October 2013

4. Financing
Instrument
Securitized &
Tradable
Sharia
Compliant
Sukuk is the primary capital market tool and is
used to fund the 'Real-Economy' sectors.
How does Islamic finance work?

5. Sukuk: Previously Only Large Institutions!
Total Outstanding Value (Billions USD)
$37
$137
$260
Financial Institutions
Corporate
Sovereign
Public sukuk markets remain
inaccessible to smaller!
issuers & projects as well as
cross-border retail investors.
Source: IIFM Sukuk Database
Global Public Market Sukuk 2017

6. Complex!
multi-party process, &
extensive documentation
Inaccessible!
due to geography &
large investment sizes
Expensive!
high closing & !
operational costs
Sukuk: Barriers to Growth & Adoption
Sukuk is primary tool for Islamic capital markets but
infrastructure was designed for large issuances:

7. Sukuk: Expensive, Complex, Inaccessible
Registrar!
Trustee!
Delegate!
Paying Agent!
Transfer Agent!
Calculation Agent!
Registrar!
Custodian!
Arranger!
Listing Agent!
Security Depository!
Recurring annual
costs can exceed
$1M USD per year
Multiple intermediaries
Minimum investment
size of $1.25M USD

8. Solution: Blossom SmartSukuk™
Financing
Instrument
Securitized &
Tradable
Ethereum Blockchain!
ERC20 Token!
Halal & !
Ethical
We use technology to make sukuk investment accessible,
for investors and issuers at any size, anywhere.
We call it SmartSukuk. So, what makes it smart?

9. Solution: Blossom SmartSukuk™
Simple!
streamlined, fully-digital
issuing & investing
process
Accessible!
issue or invest at any
level, from anywhere in
the world
Affordable!
~1% cost of capital
with more flexible
payment structure
Removes inefficiencies to facilitate smaller issuer &
investor participation using blockchain.

10. Solution: Blossom SmartSukuk™
Registrar!
Trustee!
Delegate!
Paying Agent!
Transfer Agent!
Calculation Agent!
Registrar!
Custodian!
Arranger!
Listing Agent!
Security Depository!
Inefficient, Complex!
Multi-Party Model
Efficient, Simple
Digital Model
Custodian / Trustee!
Ethereum!
Blockchain
Blossom !
SmartSukuk™!
Platform

11. Solution: Blossom SmartSukuk™
Regulated & Compliant!
Legally enforceable contracts + bank-grade AML & KYC
No Crypto Exchange Risk!
Issued in Rupiah (IDR) & all payments in local currency
Leading Standard for Digital Assets!
ERC20 global standard for digitally-managed assets!
See Appendix A: Tokenized Assets & ERC20

12. Fits a Variety of Funding Needs
Fund construction &
infrastructure projects
Strengthen capital &
improve risk-adjusted
margins for banks!
!
Sustainably develop
unproductive waqaf
lands & assets
Deploy green energy
generation solutions

13. Solution: Blossom SmartSukuk™
Sukuk!
Trustee /
Custodian!
Ethereum!
Blockchain!
!
ERC20!
Smart Contract
Investors!
Retail Accredited
Institutional
Equity!
SME Loans!
Other!
Financial Assets! Blockchain Securitization &
Investment Platform!
InvestorPlatform
TokenizationPlatform
Mass Retail

14. Fully Digital Client Experience
Sales & Subscription!
Effectively communicate each
asset’s financial strength along
with story & impact
Compliance!
Smoothly convert leads into
investors via digital KYC &
investment prospectus
Post-Sales!
Communicate performance &
drive continued engagement
for re-subscription & cross-sell
Designed to delight customer through entire lifecycle of investment:

18. CEO & Head of Product!
Matthew Joseph Martin!
Fintech expert; 11+ yrs. engineering & product at VC-funded
tech startups: remittance, payments, & mobile banking
Management: FinTech + Finance Experts
Chief Strategy & Risk Officer!
Khalid Howladar!
Sukuk, banking, & markets expert; 20+ years experience
in structured & Islamic finance, capital markets, & risk
Chief Investment Officer!
Mufid Shawwa!
20+ years experience with asset & wealth management
specializing in alternative investments and financial markets

19. Team & Company Profile
• US Delaware
corporation
• Founded 2014
• 15 staff mix of !
PT & FT
• Geographically
distributed team
• Funded by Silicon
Valley VCs

20. Awards & Accolades
“Most Outstanding Islamic
Micro-Credit Company”!
KLIFF 2019!
“Most Innovative Use of
Blockchain for Islamic Finance”!
Islamic Finance News, 2018!