Finxflo is the world's first global DeFi protocol and cryptocurrency exchange aggregator. Traders receive the best rates and access to DeFi services with the added protection and asset security of a fully licensed financial institution. FXF grants traders access to over 25 of the best cryptocurrency exchanges worldwide guaranteeing the best buy or sell prices every time.

1. Support@finxflo.com
www.finxflo.com
THE FIRST HYBRID LIQUIDITY
AGGREGATOR
2020.08.25

2. THE RISE OF DEFI
The DeFi market is showing considerable tangible
growth. The total value locked in US dollars has
surpassed 4.5 billion post the COVID-19 situation.
This demonstrates that DeFi is here to impact the world
for the long term.
DeFi average investor
interest rates exceed 20%
Number of users is
expected to reach 230K by
mid year 2020
Industry growing by $500m
USD per week
Various DeFi tokens have
outperformed the traditional
crypto market (BTC & ETH)
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3. THRIVING DEFI MARKET
7 DAYS
4 MINS
Digital Lending
Traditional
Banks
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Expected Global Digital
Lending Platform
Market (2025)
Current Crypto
Market Cap
Global P2P Lending
Market (2027)
DeFi Total Value
Locked (USD)
$11.6B
$353M
$558B
$4.49B
SAI
17%
ETH
23%
DAI
60%
Average Loan Processing Time Locked Balance (11.7 Million)

4. MOTIVES FOR THE SOLUTION
The Finxflo team has been DeFi trail blazers since
2019, the Finxflo product matrix aims to address user
major pain points with a hybrid approach.
Despite recent hype, current DeFi user penetration is
merely 1% of crypto users
DeFi user pain point: gas fee, user experience,
understanding of smart contract
DeFi user motivation: risk-adjusted high yield via liquidity
mining
The need for interoperability across emerging protocols for
best yield Hybrid finance to combine DeFi and CeFi
Mobile is the next big thing
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5. WHAT IS FINXFLO?
Finxflo is the world’s first hybrid liquidity aggregator. It
aggregates rates and prices from the world’s leading protocols
- both CeFi and DeFi - thereby granting users access to the
best rates and prices at the highest margins. Users
implement on the platform using Finxflo’s native token.
Finxflo hybrid liquidity aggregator has been created to allow
investors to trade in a regulated and secure environment whilst
enjoying all the benefits of:
One Connection,
One portal
Full depth of order
book for liquidity and
transparency
Aggregation of
world’s leading Cefi
+ Defi protocols
Automatic discovery
for best global
price + rates
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6. HOW DOES FINXFLO WORK?
One Platform with DAO
governance
Pick and choose any protocols to compare.
Allocate funds across different sectors while
managing your investment portfolio in real time.
Participating the governance process of the platform
as a token holder
Hybrid Aggregation Engine
Best rates and prices always available across hot
DEX/CEX trading pairs/Liquidity pools
Automatic price and rate discovery all backed by
Finxflo smart order algorithms.
Regulated Custody
All assets are insured and placed into the FXF
ecosystem, which helps to prevent hacks, even if it
happens, all assets are insured.
Retail and Institutional are both able to trade on
FXF’s compliant platform to get asset exposure
...USER BUSER A USER X
Dharma
1 2 3
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7. THE AGGREGATION OF FINXFLO
Supply Quantity Borrow Quantity
99.9 0.5 100.1 0.8
99.8 2.1 100.2 1.7
99.7 3.8 100.3 2.8
99.6 5.3 100.4 4.7
... ... ... ...
Supply Quantity Borrow Quantity
99.98 0.1 100.02 0.2
99.95 1.2 100.03 0.3
99.89 1.7 100.08 0.5
99.84 2.1 100.1 1
... ... ... ...
Supply Quantity Borrow Quantity
99.97 0.2 100.02 0.1
99.95 1.1 100.07 0.4
99.9 3 100.11 0.9
99.83 4.2 100.15 2.8
... ... ... ...
Supply Quantity Borrow Quantity
99.98 0.1 100.02 0.3
99.97 0.2 100.03 0.3
99.95 2.3 100.07 0.4
99.9 3.5 100.08 0.5
99.89 1.7 100.1 1.8
99.84 2.1 100.11 0.9
99.83 4.2 100.15 2.8
99.8 2.1 100.2 1.7
99.7 3.8 100.3 2.8
99.6 5.3 100.4 4.7
... ... ... ...
PROTOCOL 1 PROTOCOL 2 PROTOCOL 3
FINXFLO ORDER BOOK
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8. FINXFLO TECHNICAL
SPECIFICATIONS
ELASTIC
Finxflo is able to
dynamically rescale to
adapt to the server
workload changes.
(Horizontal scaling)
FAULT
TOLERANT
Backups are also
distributed among nodes
to protect against failure
of any individual node
and prevent loss of data
after crashes.
VERY LOW
LATENCY
The incoming records are
processed instantly to
accelerate execution.
(Opposed to accumulating
micro batches then
processing)
FAST
Finxflo utilises industry leading
technology enabling it to
handle thousands of
operations per second.
SECURE
Enforcing industry leading
security standards. All actions
are recorded. Risk monitoring
and fraud detection are
performed.
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9. One Click Smart Auto Mining
One platform,
one click
Less
Gas/Decision
making cost
Our smart auto mining pool will automatically search for the best DeFi
Asset/Pool for our clients, automating the annoying and tiring process
that users are taiking in order to stay with the best asset, therefore
creating the most effective aggregated yield mining tool through the
DeFi Field.
Finxflo 9
AAA
BBB
CCC
YFII
GGG
DDD
Best Asset
Selection

10. ONE PROTOCOL DASHBOARD,
USER FRIENDLY
Mobile Friendly
Finxflo is also mobile-friendly.
This means that users who
need to trade on the go are
able to do so with FXF,
making the platform the
ultimate tool for even the most
demanding traders.
One click
The core concept of Finxflo
is one-click. Our products
condense information into
actionable plans, automate
everything possible, and cater
to both new and experienced
users.
Institution Friendly
This solution is highly
attractive not only for retail but
for institutional investors as
well. Through the use of API's,
Finxflo exchange is highly
integrable with a wide scope
of different trading
infrastructures.
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11. REGULATION & SECURITY
Grandfathering
Finxflo was successfully granted an
exemption by the Monetary Authority
of Singapore (MAS) under the
grandfathering provisions of the Act,
effectively permitting Finxflo to
continue its operations whilst
regulatory approvals are obtained.
We will be submitting our license
application to MAS in July 2020.
We have engaged the industry’s
top compliance and regulatory
experts to help ensure that the
application process proceeds as
efficiently as possible.
Full MAS Application
Finxflo 11
https://www.mas.gov.sg/regulation/payments/entities-that-have-notified-mas-pursuant-to-the-ps-esp-r

12. TOKENOMICS: INCENTIVES OF
FINXFLO NETWORK
FXF Token Liquidity Farming to facilitate
Higher Volume with Higher Rewards
DAO Voting & Platform Governance
Volume Rewards
from Liquidity
Farming
Community and
Self Governance
Driven
Proposals
Initiation from
Token Holder
Voting Rights to
participate in
specific proposal
Finxflo 12

13. TOKENOMICS: TOKEN
ALLOCATION
Token Allocation
Private Sale 30,000,000
Team 66,000,000
Farming 330,000,000
Public Sale 60,000,000
Partnerships 114,000,000
Available Tokens Price Per Token (USD) Offer Ends
60,000,000 0.16
Token Order Size Additional Tokens
0-16,000 0%
16,001-42,000 5% 1 Sep 2020
42,001-67,000 10% 15 Sep 2020
67,001-100,000 15% 1 Oct 2020
100,001+ 20% 15 Oct 2020
Finxflo 13
Private Sale
5% Team
11%
Framing
55%
Public Sale
10%
Partnerships
19%

14. FINXFLO ROADMAP
PRODUCT ROADMAP
CeFi Aggregation
DeFi Aggregation
Mobile App
MARKET EXPANSION
Asia
Europe
The US
White paper
Product Design
Team set up
Proof of Concept
Asia Market Entry
CeFi Product Development
DeFi Product Release
Europe Market Entry
Product Upgrade with more
Protocols and Platforms
Aggregated
Mobile App Launch
DeFi Aggregation
Product Development
MAS License
Q3 2019 Q1 2020
Q4 2020
Q1 2021Q2 2021
CeFi Beta Product Release
Demo Trading Opening
Q2 2020
Top CEX Aggregated
CeFi Live Trading Launch
Q3 2020
US Market Expansion
Q3 2021
Finxflo 14

15. FINXFLO C-LEVEL
James Gillingham
CO-FOUNDER
Thomas Plaskocinski
CO-FOUNDER
Liam Patrick Jones
CHIEF COMMERCIAL OFFICER
James has more than 13 years’ experience in
building, developing and expanding multinational
organizations. His deep knowledge of financial
markets, digital currencies and fintech has played a
pivotal role in his success to date.
Prior to Finxflo, James worked at Close Brothers,
one of the UK’s leading merchant banking groups,
International Asset Management, managing USD 4
billion of funds.
Thomas has more than 15 years’ experience in solving
complex technical and technological challenges. His
intellectual curiosity, attention to detail and
perseverance are vital to the evolution of the ever-
changing fintech landscape.
Prior to Finxflo, Thomas worked for Finastra as a
solution architect, Société Générale Corporate and
Investment Banking on the derivatives pricing and risk
platform.
Liam has more than 32 years’ experience in the
financial sector through which he has developed a
deep understanding of the currency and trading
markets.
Prior to Finxflo, Liam worked in spot currency
trading and as a market maker with large
international banks such as UBS, Daiwa Europe
and Société Générale in London; USCB in Riyadh;
and Royal Bank of Scotland in Singapore.
TEAM PRIOR WORK EXPERIENCE
Finxflo 15

16. Mark Hammond
TECH ADVISOR
Stefano Virgilli
BLOCKCHAIN ADVISOR
Dr Anthony O’Sullivan
BUSINESS ADVISOR
Head of Flow Products and API for Liquid Quoine
Exchange Mark Hammond joins from his role as
Head of Technology at HealthEngine, a medtech
startup.
His previous director roles include heading Citi’s e-
commerce product group, and FX trading systems in
Standard Chartered and Merrill Lynch.
Entrepreneurship and Top Management Stefano Virgilli
is an Italian serial entrepreneur, having operated
multiple businesses in Europe, Southeast Asia, Middle
East and Africa.
He has studied in Italy and further expanded his
knowledge working with clients from over 40 countries
since 1998. Stefano is a leader in ICO and Blockchain
projects.
Marketing analyst for Palomar Technologies. He
has a Ph.D. in Philosophy, having previously
worked as Economist for Lloyds Bank PLC.
He is acutely aware of business risk and
developments having spent considerable time
immersing in competitive, technical, micro and
macro commercial analysis having a started his
career in 1979.
Finxflo 16
FINXFLO ADVISORS
TEAM PRIOR WORK EXPERIENCE

17. def.finxflo.com
www.finxflo.com
+65 3157 4301
12 Marina View, Level 11-01
Asia Square Tower 2
Singapore 018961
Support@finxflo.com
F I N X F L O