The document provides information on an app called XENIA that aims to: 1) Provide supports to individuals in repaying debts and student loans, achieving financial independence and security by teaching money management skills. 2) Users first gain knowledge on sustainable and inclusive finance, embedded finance, decentralized finance, and money management. 3) The app then provides advice on how to strategically spend, save, and invest money through budgeting features and rewards users initially with cryptocurrency.

1. PROVIDE SUPPORTS TO INDIVIDUALS IN
REPAYING THEIR DEBT AND STUDENT LOANS,
ACHIEVING FINANCIAL INDEPENDENCE AND
SECURITY. LEARNING HOW TO MANAGE YOUR
DAILY BUDGET WITHOUT EXCEEDING THE
LIMIT.
ENIA
XENIA

2. Sustainable
goals
● Our product provides sustainable and
inclusive finance whilst embedding new
and innovative finance.
● XENIA uses artificial intelligence and
blockchain/ Distributed Ledger technology
to provide the best quality of financial
support to our users.
● We link to the sustainable goals by trying
to eliminate poverty by helping tackle
debt and money challenges.

3. User Experience Money Contextual and Personal
Many students experience
being ambushed into debt
as soon as they finish school,
and then spend the rest of
their life trying to repay it. We
created this app to help
educate students on how to
plan and spend money
effectively without putting
themselves into a position
where they could be inflicted
with debt.
We use digital currency
such as bitcoin to help
teach the future of money
and to support them in
planning ahead. We also
use BlockChain Technology
and Smart Money
programmes.
We use Artificial Intelligence
to personalise and tailor the
app to you and give you
suggestions that will help
you plan effectively and
conveniently.
XENIA

4. How our app works
Once you sign up/ register on the app, you will be directed to a webpage which educates you about
Finance: sustainable and inclusive finance; Embedded finance; Decentralized finance DeFi and
money management.
After you gain knowledge about it, you will be given a virtual reward most likely to be through a
cryptocurrency such as bitcoin.
Through the app you will be given advice on how to strategically spend, save, and invest your
money wisely. It has a budget limit so you don’t spend your reward recklessly.
If you encounter problem throughout the course, there are AI assistants that informs you about
how to solve your problem in the best manner possible.
It is multilingual so if you have trouble with communication, you can adjust it in the settings; it’s
quick to find as an international icon will be used.

5. Ideas of how our app is shown as