XinFin
XinFin
Token: XDCE


Hybrid Technology for Global Trade and Finance

ICO dates
Start date: 2018-02-05
End date: 2018-03-15

Registrated in: Singapore

Platform: Ethereum
Type: ERC20

PREMIUM ICO

http://www.xinfin.org Screenshot
XinFin categories
Tourism Smart Contract Platform Other Investment Internet Infrastructure Cryptocurrency Business services Banking
XinFin whitepaper
Video
XinFin token sale
KYC passing required Yes | Whitelist No | Restriction for countries China
Soft cap 6,000,000,000 XDCE
Hard cap 15,000,000,000 XDCE
Tokens for sale 3,000,000,000
Token distribution in ICO
20%
20%
Price 1 ETH = 159,600 XDCE
Price in PreICO 1 XDCE = 0.0008 USD
Minimal investment 0.1 ETH
Acceppting ETH
Bonus in ICO 30% (1eth = 133000+30% = 172900)
XinFin news, social
XinFin search trends in Google
Random whitepaper excerpts

Table of Contents
Table of Contents .................................................................................... 1
Purpose & Audience ................................................................................3
1. Global Trade & Finance Market Outlook ..............................................4
1.1 Trade ....................................................................................................................................... 4
1.2 Finance ................................................................................................................................... 4
1.3 Inefficiencies in Trade and Finance ...................................................................................... 6
2. Blockchain as Efficiency Improvement Tool ........................................ 7
2.1 Advantages of Blockchain Over Traditional System............................................................. 8
2.2 Blockchain Applications in Trade & Finance.......................................

List of Figures:
Figure 1: XinFin hybrid Blockchain architecture
........................................................................... 11
Figure 2: Inefficiencies in Global commerce
.................................................................................. 13
Figure 3: TradeFinex Marketplace platform
.................................................................................. 14
Figure 4: Financing using TradeFinex platform
............................................................................ 17
Figure 5: Financing using TradeFinex platform
............................................................................ 18
Figure 6: Facilitating commerce using TradeFinex platform
...................................................... 19
Figure 7: Enabling Trade using TradeFinex platform
................................................................... 20
Figure 8: XinFin blockchain applications
..................................................

Purpose & Audience
The purpose of this Business White Paper is to give the readers a comprehensive business
understanding of XinFin’s hybrid blockchain solution that will help address the inefficiencies
that exist in the global trade and finance markets today.
XinFin is offering business solution for the global trade and finance industry through its
proprietary permissioned blockchain powered by XDC01 Protocol which is fork of Ethereum
and Quorum. This hybrid architecture combines the best of both private and public
blockchains that makes it secure, scalable and lightning fast.
XDC01 Protocol facilitates Distributed Applications, such as TradeFinex, specially
conceptualised marketplace platform that connects global participants of the trade and
finance industry and enable them for global contracting, financing, payments and settlements
through authorized financial institutions.
The intended audience for this White Paper is anyone who is part of the global trade and
finance ecosystem or...

1. Global Trade & Finance Market Outlook
1.1 Trade
Global trade, also known as international trade, is simply the import and export of goods and
services across international boundaries which is settled by financial transactions. A
fundamental concept underlying global trade is the concept of comparative advantage in
commercial activities and has material impact on economic conditions and standards of living
of human beings. This comparative advantage is the result of human evolution, inventions,
geographic conditions, political conditions and natural resources in that region.
Global trade can also create larger economies of scale due to global reach. At domestic level,
one can focus more on what they are best in terms of cost and quality and save money by
importing those goods and services what they are not able to produce more efficiently in their
own country. It also has social angle which improves relation and exchange of culture between
geographies due to mutual interactions among the peop...

According to a 2017 survey by the Asian Development Bank (ADB), the gap in global trade
finance in the range of $1.6 Trillion annually.
Of the global financing needs today, infrastructure remains the most sizeable and critical
financing need for both developed as well as developing economies. Infrastructure affects
economic growth by boosting economic activity and productivity by means of reliable
transport, real estate, electricity, water and telecoms. Though central and pivotal to any
country’s socio-economic progress still infrastructure financing remains underserved and with
less supply from the private sector which results in tax burden on government and
consequently on general public of any country. Inefficiencies in financing further add to the
cost of capital. Also finance rates across globe varies a lot and accessibility of these centralised
funds is not convenient due to intermediaries. The current financial ecosystem is not fully able
to cater to this growing financing demand, resulting huge ...

business transactions are more particularly for those making payments of less than $10,000,
especially those in the $500 to $2,000 range.

To address these issues of there has been innovations in Fintech and Supply Chain to disrupt
current systems and to remove major inefficiencies that exist today.
1.3 Inefficiencies in Trade and Finance
There are various factors limiting infrastructure development related trade & financing
globally. The inefficiencies arise due to disjoint systems, manual processes, multiple
intermediaries and an inherent need to demonstrate environment of trust between the parties
doing commerce.

Nature of infrastructure investments
Infrastructure projects often face funding challenges due to large up-front investments
coupled with longer cycles to realize returns and uncertainties linked to government
policies and regulations. This limits private investments leading to governments often
borrowing at high cost of capital, leading to increased ta...

2. Blockchain as Efficiency Improvement Tool
Simply put, Blockchain technology provides means of establishing a public, distributed
database or set of records or set of transactions that are cryptographically secured and
immutable in nature. A distributed consensus mechanism is used across the nodes of the
network for making or verifying any changes made to the blockchain of records to ensure that
the nodes in the network are synchronised and always agree on the latest state of the
blockchain which will be the correct one as long as majority of the network is honest. The
distributed decentralised nature of the blockchain network and its consensus mechanism
ensures that there are no central points of failure in the system. There is a close link between
evolution of finance and blockchain technology.
Traditionally, finance, as we know, has always been dominated by intermediaries such as
banks, governments and central authorities as a means to establish ‘trust’ for any storage or
exchange of value...

and support for private transactions make it suitable for financial and other real-world
applications.
Extensive research on strengthening the different blockchain networks, protocols and
consensus mechanisms continues as we write this white paper.
2.1 Advantages of Blockchain Over Traditional System
Blockchain can record financial transactions or any possible structured information about
anything in a trust-less and yet secure, immutable manner. This opens up its application to
possibly any aspect of the society. Let us see what key advantages blockchain offers over
traditional or legacy systems.

Digitized ledger
Since blockchain is a distributed database at its core, it provides for storing digital records
of all kinds of transactions, documents and contracts. So, any financing, trade or any other
industry business process can be digitally recorded on the blockchain.

Decentralisation & Dis-intermediation
Since there is no central ownership of the blockcha...

XinFin Roadmap

1
Q1 2017
Ideation and concept development
2
Q2 2017
- Company Incorporation and launch of XinFin Blockchain
- Release of Business Whitepaper and conceptualization of real world use cases
- Wallet Deployment
- Token allocation to early backers through Pre-placement round
3
Q3 2017
- Technical Whitepaper
- Conceptualize trade, finance and process efficiency use cases and initiate POC
- Initiate development of TradeFinex
- Launch of XDC Web-wallet
4
Q4 2017
- Launch of XDC Android and iOS wallet
- Support trading of XDC tokens through AlphaEx against ETH, BTC and XRP
- Demonstration of TradeFinex POCs for select clients and feature enhancement
- Demonstration of Xinfin Hedge pool to select clients and feature enhancement
- Launch of TradeFinex Alpha and initiate merchant registration
5
Q1 2018
- Enhancement of XinFin and TradeFinex websites
- Support peer to peer trade and finance using TradeFinex Dapp
- Partnership with Governments, trade unions, universities and corporates for TradeFinex
- Enhance token liquidity through multiple exchange listing and extend FIAT support
- Completion of 10 POCs and initiate production roll-outs
- AML and KYC compliance of XDC wallet
- Empanelment of credit assessment agencies
6
Q2 2018
- Deployment of private sub-networks under Hybrid Architecture
- Development of legally binding digital smart contracts from TradeFinex platform
- Transaction volume enhancement to 1000 TPS
- Standardization of IoT Data frames and IoT hardware security
- Tie-up with financial institutions and NBFCs for infrastructure financing
- Deployment of cold storage wallet
Ritesh Kakkad
Team Ritesh Kakkad Blockchain Strategist

Sameer Dharap
Team Sameer Dharap Vice President, Blockchain Applications

Peter Yeo
Team Peter Yeo Co-founder, Early Investor, Advisor, Blockchain Architecture

Karan Bharadwaj
Team Karan Bharadwaj Chief Technology Officer

Jack Xu
Team Jack Xu Early Investor, Co-Founder, Head of Operations

Atul Khekade
Team Atul Khekade Early Investor & Ecosystem Development

Omkar Nene
Team Omkar Nene Business & Ecosystem Development

Aakash Kakkad
Team Aakash Kakkad Compliance Officer

Afrikanus Kofi Akosah
Team Afrikanus Kofi Akosah Business Development and Core Community Member, XinFin Africa

Matt Goldrich
Team Matt Goldrich Business Development and Core Community Member, XinFin Philippines

Adams Caleb
Team Adams Caleb Producer

Alex Mathbeck
Team Alex Mathbeck Marketing Head

Tola Jeds
Team Tola Jeds Market Research & Reporting

Andrew Hung
Team Andrew Hung Public Relations and Liasoning

Pramod Mishra
Team Pramod Mishra Public Infrastructure Consultant, XinFin, Ex-World Banker

Nakul Shah
Team Nakul Shah Consultant

Ruchi Kakkad
Team Ruchi Kakkad Legal Consultant

Aaditi Girkar
Team Aaditi Girkar Coordinator and Relationship Manager

Kavita Gupta
Team Kavita Gupta Corporate Communications

Dayna Plummer
Team Dayna Plummer Content Writer

Allison Villemaire
Team Allison Villemaire Content writer

Vinshu Gupta
Team Vinshu Gupta Senior Blockchain Engineer

Kartikeya Bhargava
Team Kartikeya Bhargava Blockchain Engineer

Himanshu Pandey
Team Himanshu Pandey Blockchain Engineer Architect

Ravi Arya
Team Ravi Arya Blockchain Engineer

Jack Corby
Team Jack Corby Blockchain Engineer

Murphy John
Team Murphy John Operations Team

Omkar Mestry
Team Omkar Mestry Team Leader, Core Tech

Anil Chinchawale
Team Anil Chinchawale Team Leader, Core Tech

Rahulraj Nair
Team Rahulraj Nair Software Developer

Dattatray Hande
Team Dattatray Hande Web Designer

Ravi Arya
Ravi Arya
Blockchain Engineer
Blockchain and Smart Contract Developer
Project Manager
Himanshu Pandey
Himanshu Pandey
Blockchain Engineer Architect
Advisor, Solidity Developer
Lead Architect
Sr. Consultant
Chief Technical Officer
Blockchain & Crypto Advisor
Developer & Consultant
Advisor, Solidity Developer
Vinshu Gupta
Vinshu Gupta
Senior Blockchain Engineer
Blockchain Developer
Blockchain Expert
Blockchain Expert
BLOCKCHAIN ARCHITECT
Nakul Shah
Nakul Shah
Consultant
Project Manager
HEAD OF R&D
Advisor