Finom
Finom
Token: FIN


Blockchain ecosystem with single point of entry

PreICO dates
Start date: 1st Nov 2017
End date: 14th Nov 2017

ICO dates
Start date: 2017-11-15
End date: 2017-12-30

Registrated in: Switzerland

Platform: Ethereum
Type: ERC20

PREMIUM ICO

HARA

Empowering billions by utilizing a global and transparent data exchange.
Ends in 49 days 21 hours
Goal: 17,000,000 USD
Price: 1 HART = 0.059 USD

Dominium

Dominium Blockchain – The one-stop-platform for everything to do with property anywhere in the world!
Ends in 18 days 21 hours
Goal: 17,500,000 USD
Price: 1 DOM = 0.25 EUR
https://finom.io/ Screenshot
Finom categories
Platform Investment Cryptocurrency Business services Banking
Finom whitepaper
Video
Finom token sale
KYC passing required No | Whitelist No | Restriction for countries No
Hard cap 101,970,000 USD
Token distribution in ICO
45%
45%
Price 2.00 USD
Acceppting BTC, ETH, Fiat
Finom news, social
Finom search trends in Google
Random whitepaper excerpts

Table of contents
Summary
5
Market and Company
7
The major market problem
8
The Underbanked: 2 billion people are excluded from the global economy
8
Minority tool: 0.08% of the population uses cryptocurrencies
9
How Finom arose
10
Our Vision: a world of finance accessible to everyone
11
Legal structure
12
Functional structure
12
Finom Ecosystem
14

Intellectual Blockchain Ecosystem
15
Construction Stages of the Finom Ecosystem
15
Financing
17
Finom Services
18
Nanopool Mining Pool (HK)
19
Summary
19
Competition analysis
19
Financial model
20
Nanopool roadmap
21
TabTrader BV
23
Summary
23
Features
23
Business model
23
Roadmap
24
Cryptonit Solutions Ltd Exchange (UK)
25
Summary
25
Introduction
25
<...

Cryptogen roadmap
36
Beetle.io (HK) Mobile app for cryptocurrency purchasing via bank card
37
Summary
37
Sales and profit forecast
37
Competition
38
Operations
39
Beetle.io roadmap
39
Marketing
40
Financial
41
Banking and insurance services
42
Payment system for legal entities and private persons, B2B banking
42
Universal multi-currency wallet
42
Card payments
42
Digitilzation and tokenization of assets
42
P2P loans
42
Factoring
42
Banking Direction Roadmap
43
Finom Data Center
44
Engineering concept
44
Financing
46
Overall Finom Roadmap
49
Before placement of shares
49
Placement of tokenized shares
49
After the placement of shares
50
Sale of tokenized shares
52
Tokenized shares
52
What is a token?
52
Share pl...

Kirill Yashchuk
58
Yaroslav Madarakh
58
Alexandr Barkovskii
58
Vladislav Alushkin
59
Anton Trusov
59
Yegor Karatov
59
Konstantin Karatov
60
Andrei Yanukovich
60
Rustam Kutuev
60
Dmitry Gollandtsev
61
Vadim Spiridonov
61
Advisors
62
Robbert Boss
62
Michael Terpin
62
Ryan Leonard
62
Michael Terpin
63
Contacts
65
References
67
4
...

Summary
The world of finance is accessible to everyone
We use Blockchain technology to create reliable, convenient financial services integrated
into the financial ecosystem with a single entry point and an intelligent assistant based on
artificial intelligence (AI).
In the Finom ecosystem:
• Any user, regardless of level of experience or size of savings, can easily and
conveniently use digital currencies and assets;
• Paying with cryptocurrency anywhere in stores is as easy as with a bank card;
• All transactions are transparent and the legitimate origin of funds is instantly
verifiable;
• Capital moves freely around the world.
While others make promises, we deliver
We have been in the cryptocurrency market since 2012. Finom owns 5 operating businesses
serving 520 000 users around the globe and growing quickly:
• Nanopool Mining pool is one of the largest altcoin mining pools in the world;
• TabTrader is one of the most popular terminal for trading cryptocur...

Market and Company
The major market problem
Access to financial instruments is generally limited to wealthy sophisticated investors due to
their complexity, diversity and high-dollar entry threshold. We believe that this situation has
created high demand for simple, accessible integrated financial instruments for users with
low financial and computer literacy.
The Underbanked: 2 billion people are excluded from the global
economy
Finance industry professionals, have access to a variety of financial instruments to them.
А
vailability of a bank card is taken for granted by citizens of advanced economies. At the
same time over 2 billion people in the global workforce do not have access to financial
services (according to the World Bank: Washington D.C.). Another figure presented by the
World Bank is even more staggering: 73% of the world's population does not have a bank
account.
The reason for this problem lies in the fact that many banks do not want to do business with
l...


According to an independent study by Coinbase and ARK InvestResearch, in January 2017,
more than 10 million people were Bitcoin owners. However, the study did not take other
cryptocurrencies into account.

As a percentage, active users of cryptocurrencies account for 0.08% of the world's total
population. Most of them live in North America and Europe - countries with highly developed
economies.
According to coinmap.org on October 3, 2017, only 10.028 companies in the world accept
cryptocurrency for payment.

9
...

Geographical heatmap illustrates that most operations with crypto are offered to users in
Western Europe, the US and Japan. However, most of them are small companies.
This concentration is directly dependent on the degree of regulation of
cryptocurrency: Japan and the United States have already introduced partial
regulation of cryptocurrencies and legislated their status.
In Europe, the market
practice of payments in bitcoins is well developed in Switzerland, Liechtenstein and
Luxembourg. In Germany, the Ministry of Finance recognized bitcoin as a payment
instrument, calling it 'private money', from which tax must be collected.
According to a report by Morgan Stanley released in July 2017, out of 500 of the world's
largest Internet retailers, only three companies in practice are accepting cryptocurrency.
At the moment, cryptocurrency owners often prefer to use it as a speculative instrument
rather than a means of payment.
For a multifold increase in the volume of the market, cryptocurrencie...

response to market requests, exchanges, exchangers and other intermediaries begin to
appear, offering to buy or sell cryptocurrencies. A pair of Bitcoin enthusiasts, Konstantin
Karatov and Andrei Yanukovich, created a cryptocurrency exchange called Cryptonit, which
allows users to buy cryptocurrencies for fiat currency and freely trade them with other
participants.
The number of cryptocurrency exchanges is increasing every year, so that it becomes
difficult for investors to keep track of constantly changing quotes. Kirill Suslov, a financier by
education, created a platform to track and trade cryptocurrencies on different exchanges
through one convenient service. Kirill and a team of talented programmers launched
TabTrader appears, an application for mobile devices that allows users to trade
cryptocurrency directly from their phone. The team connects almost all existing exchanges,
which delivers a combined trading volume comparable to the volume of the world's fifth-
largest crypto exchange.

Finom Roadmap

1
2012
- Cryptonit Exchange founded
- TabTrader founded
2
2013
- TabTrader switches to trading in cryptocurrency
- Cryptonit starts working with altcoins (Feathercoin) and together with the Namecoin team provides the infrastructure for the Dot-Bit project. Also becomes a pioneer in Paypal Bitcoin buying/selling services
3
2014
- The TabTrader and Cryptonit teams get acquainted at an exhibition and join together to develop a broker application
- TabTrader creates the first crypto ATM in Russia, and also as a technological challenge implements video streaming from mobile devices six months before the release of Periscope
4
2015
- The basis of Nanopool, the pool for Ethereum
- TabTrader completes an accelerator programme in Amsterdam and receives a grant from the EU for € 100,000
- Cryptonit introduces the purchase of cryptocurrency using Visa and MasterCard
5
2016
- Nanopool adds 4 new coins
- Nanopool and TabTrader begin developrnent of Cryptogen Miner
- Cryptal Mining Farm launched
- Cryptonit introduces LMAX Disruptor technology to increase transaction processing speed 1000 times and bring the exchange to enterprise level
6
2017
- Foundation of the umbrella company Finom
7
1 Nov 2017 - 30 Dec 2017
Placement of tokenized shares
8
After the placement of shares
- Cryptogen Miner: Alpha release
- Beetle.io: launch web version
- Cryptonit: Ethereum support
9
2018
- The ability to log in through a single FINOM account
- Multi-currency FINOM wallet
- Nanopool: BTC, LTC, DASH pools, Decred, LBRY, advanced support, Chinese market, new pools, Data Center, unified system for adding new pools, POS pools, ICP license
- Cryptonit: SOFORT deposits, add card gateway, debit cards, private blockchain
- Mining Farm: launching 4 farms
- TabTrader: trade through web interface, pamm accounts, API access, investor dashboard, complex orders, entry via a single FINOM account, user verification (KYC + AML), a single FINOM wallet, deposits in USD, margin trading
- Cryptogen Miner: MC, XMR rnining, GUI upgrade, mining history charts, new miner protocol
- Beetle.io: new payment methods (SOFORT Banking, Yandex.Money), real-time verification, secure Bitcoin storage, Bitcoin selling, GEO-based p2p exchange
- Banking: bank with Visa and MasterCard membership, multi-currency wallet, payment system, currency exchange, SWIFT, SEPA, payroll projects, obtaining banking licenses and opening branches in North America, Asia, Western Europe, Eastern Europe, South America
- Data centers: pre-design surveys, appointment of technical client, development of technical task
10
2019
- Cryptonit: EU regulated cryptocurrency exchange, OTC trading, leverage trading, MT5 support, cash deposits, Federal US cryptocurrency exchange license
- Mining farms: launching 4 farms
- TabTrader: FOREX trading, stock and commodity trading
- Cryptogen Miner: mobile application
- Beetle.io: in-house credit card processing gateway
- Data centers: design and construction
- Banking: p2p loans, insurance, factoring, processing, acquiring payments via cards crowdfunding platform
11
2020
Data centers: design, construction, commissioning, complex text, AI assistant
Kirill Suslov
Kirill Suslov Chief Executive Officer

Denis Suslov
Denis Suslov Chief Financial Officer

Yegor Karatov
Yegor Karatov Chief Compliance Officer

Rustam Kutuev
Rustam Kutuev Business Developer

Vladislav Alushkin
Vladislav Alushkin Chief Security Officer

Andrey Yanukovich
Andrey Yanukovich Chief Accounting Officer

Konstantin Karatov
Konstantin Karatov Business Development

Anton Trusov
Anton Trusov Chief Technology Innovation Officer

Yaroslav Madarakh
Yaroslav Madarakh Chief Architect

Dmitry Gollandtsev
Dmitry Gollandtsev Chief Strategy Officer

Vadim Spiridonov
Vadim Spiridonov Chief Operating Officer

Robbert Boss
Advisors Robbert Boss CPO & Co-Founder of BUX

Michael Terpin
Advisors Michael Terpin Founder and CEO of Transform Group, Advisor at ICOBox

Michael Terpin
Michael Terpin
Founder and CEO of Transform Group, Advisor at ICOBox
CEO, TRANSFORM GROUP
CEO of Transform Group, chairman BitAngels
PR advisor
Blockchain Adviser, CEO, Transform Group; Chairman, BitAngels / USA
CEO, Transform Group; Chairman, BitAngels
Founder and CEO, Transform Group
Transform Group, CoinAgenda
CEO, Transform Group Chairman BitAngels Managing Director bCommerce labs
CEO Transform Group, CoinAgenda, BitAngels
PR Advisor CEO at Transform Group & Chairman at BitAngels
Advisor
Transform Group CoinAgenda
Founder & CEO, Transform Group
CEO OF TRANSFORM GROUP & ADVISOR FOR ICO BOX
Primary crypto advisor
Founder and CEO of CoinAgenda
Advisor
Advisory Board Member
co-founded BitAngels
CEO Transform Group
Transform Group CEO