ZUFLO.IO

Zuflo aims to be a trading & financing platform for the industry 4.0 era using technologies like Blockchain & Artificial Intelligence to reduce the number of counterparties, thus lowering the cost of services and for the end consumer along with state of an art new trading & banking features. Zuflo will allow platform users to improve efficiency, error reduction, time savings, and straight-through processing without any intermediaries, and with AI (Artificial Intelligence) Management tools.

In addition Zuflo will enable/empower more control and more transparency of dealing banking and trading operations.

Most of the ICOs look very complicated to understand as they are brining innovative solutions with advanced technological ecosystem. The objective of this white paper is simplify the usage & implications of Zuflo. This white paper sketches the core constituents encompassing Zuflo, how they interact, and points how the network can be secure and efficient providing multiple passive income streams.

Why Zuflo.io is on Blockchain?

Blockchain allows a level of trust develop". Specially, within the financial sector, blockchain technology has a big impact. Buyers and sellers need to have mechanisms they can know and trust to handle their financing, and blockchain is being very actively piloted in that area. With blockchain, participants in the transaction:

Share a single platform with secure access
Receive a full view of the process
Are able to drill down to see all steps in the process
Can see exact moment when a delay or error occurs
Remedy problems without filing a dispute
Achieve on-boarding and quick installation without disruption

Why Zuflo.io incorporation in Estonia?

Zuflo.io is incorporated in Republic of Estonia due to several features. Estonia regulates cryptocurrency exchanges and this gives Zuflo.io's investors and users a confidence. Relatedly there are no limitations as to cryptocurrency investments, so the country is more than preferable for companies that hold an ICO. The friendly attitude of local regulators and its EU membership also seem to be important for Blockchain companies. Zuflo.io also appreciates that the regulatory conditions for ICO are friendly and Estonia offers low costs for running a business which will benefit all the Zuflo.io’s stakeholders.

Why Zuflo.io is best Trading Platform?

The lending industry is in dire need of new innovations to ensure an easy, transparent and accessible financing ecosystem for the SMEs. And that is where Zuflo.io with its blockchain and smart contracts technology based platform comes in. Zuflo.io is an ecology over which we can lend money to applicants against existing assets or without assets via Ethereums’s smart contracts technology. It is lending and borrowing network that allows users to leverage their blockchain assets to secure cash loans.

Access to Lending

On-boarding the missing population to the benefits of the global financial system is key in order to provide a sustainable solution for their future economic outlook. Our blockchain based platform allows for easier auditability and more operational efficiencies that ultimately translate to a lower cost of lending than traditional service providers using centralized databases are able to offer.

Lending Identity

Zuflo.io would empower applicant with blockchain-based digital identities which will allow borrowers to build their own economic histories and credit profiles, even if they are invisible to the legacy banking system. So unique advantage in this setting is the ability to use existing affinity networks to help build and verify borrower identities. We're not just providing financial services, we're providing an identity that is linked to everything that a person is doing and would act as “economic passport” for them.

Powered with Ethereum Smart Contract Technology

The critical feature of Ethereums’s smart contract technology based platform means that it will be possible for one to check the health status of the issued loans. At the same time, the privacy of users’ crucial data will be maintained. Having the borrowers’ loan portfolios on a hack-proof ledger could serve the purpose for a transparent credit scoring system.

Transparency for Regulation

Initially Zuflo.io would publish the whole history of issued loans, including currently active, paid-up and defaulted loans on the Ethereum blockchain. In next phase Zuflo.io intends to publish the whole history of currently active loan’s performance and transactions in blockchain. This will make Zuflo.io fully transparent to the government agencies, borrowers community, partners, current shareholders and potential investors. Our transparency policy will help the borrowers, funds, current and potential investors in many ways, including predictability and accountability of the investments. Furthermore, to protect the lending investment & lender’s interest, all loans will be insured.

Platform for Conventional & Blockchain Assets

Beside option of conventional assets Zuflo.io also enables the members of the its lending platform to leverage the value of certain digital assets, thereby giving them access to cash, offsetting tax events, avoiding exchange fees and maintaining their long position in the asset they hold. Zuflo.io is a lending platform designed keeping in mind of blockchain assets. Unlike traditional forms of collateral, such as real estate and automobiles, blockchain assets are divisible, fungible, and in many cases instantly transferrable. We seek to enable a new way of monetizing an ever-expanding universe of blockchain assets.

Deposits & Investments

Zuflo.io will provide conventional banking’s feature of depositing digital assets to allow its clients to get mark ups on their holdings or to borrow at a preferable rate. Investments will comprise of low-cost venture items, for example, Exchange Traded Funds (ETFs), Crypto-funds (a portfolio of various cryptocurrencies and crypto tokens), progressive ICOs, as well as advisory solutions for wealth management. In next phase, Zuflo.io will offer investment banking services including financing corporate strategies of our business clients.

Why Zuflo.io is best Lending Platform?

Easing Entry to Crypto Trade

Crypto trade rapidly growing market where investors are seeking for an exceptional opportunity of growth. However, so many users consider it is too complicated to enter in crypto trade and feel burden for themselves. Number of exchanges in the space extends trade facilities among cryptocurrencies but most of them are limited to specific geographic regions. To overcome the geographical barrier and fiat currency to cryptocurrency trading, Zuflo.io is a new platform which is meeting the present market needs. Crypto markets are borderless, open 24/7, subject to marginal regulatory mechanism, and propound huge potentials for growth. Due to these features, crypto markets are an incredible, new opportunity for investors over traditional markets. Zuflo.io’s objective is to reduce the barriers of entry to crypto investment markets by providing tools and services that make interacting, handling and trading crypto assets approachable to everyone.

Trade-on-the-Go Functionality

With Zuflo.io we are committed to create a whole new user experience with mobile app for trading along with state on an art desktop platform.

Integration of Fiat & Cryptocurrency Exchange

Both crypto & FITA exchange markets continue to evolve. It now requires a single platform that will allow high liquidity for a variety of crypto & Fiat assets as well as efficiently provide an interoperable trading environment - saving on time and compounding fees from multi-step trades. Zuflo.io is offering a unique platform to a large number of active cryptocurrency trading community where they can exchange between fiat currencies and top ranking cryptocurrencies with P2P system. Allowing secure and safe transactions among several Fiat & cryptocurrencies with low trading rates allows us to make unique choice among cryptocurrency trading community.

Disintermediation

Our key function of creating a decentralized cryptocurrencies exchange is that no third party would hold cryptocurrencies and digital assets. They are directly transferred from one owner to another in a P2P (Peer to Peer) model. The key function of a decentralized cryptocurrencies exchange is cryptocurrencies and assets are not held by any third party. They are directly transferred from one owner to another in a P2P model. Zuflo.io decentralized exchange is operated through two components. The first one is a multi-cryptocurrencies open source wallet. All keys are created locally on user’s device and never sent to any server. Users control their private keys, can send and receive funds, export wallet, and encrypt the wallet with a password or seed phrase. Developers can develop and add new assets through an open plugins system keeping the wallet lightweight.

Secure & Safe Wallet

Our customers would have the safety of their cryptocurrency and fiat currency with unique encryption technology as we are going to make our platform highly sophisticated in terms of security.

Contemporary Trading Features

Our core aim is our customer’s satisfaction and removing out all the disadvantages of the existing exchanges globally. Zuflo.io is rolling out the trading platform in the following order:

Spot trading
Margin trading
Futures
Anonymous instant exchange
Decentralized network exchange

Why to invest in Zuflo.io?

Few differentiators of Zuflo.io for our investors and token holders:

Invest with experts: We are fast becoming the biggest worldwide online FIAT/Crypto investment group with experts putting their combined resources into Blockchain & AI based innovative technology.
Invest safely: We will utilize beyond bank-grade security methods to maintain a securities business and funds transfers.
Invest with protection: Get proficient level protections through one of a kind pooled investment structure & insurance features.
Multiple revenue streams: We're not just an innovative exchange or just an innovative lending platform, rather brining our users and investors unique combo of revenue streams to double the chances of success.
Progressive investor relations: Through multiple touch points and without much of a stress our investors would stay in contact throughout the investment lifecycle and store / download all documentation in one place.
Multi-currency: Easily invest and raise investment in your preferred Fiat currency integrated with the top cryptocurrencies.
Borderless: Zuflo.io’s community will be truly global, with active investors and entrepreneurs from several countries, who all share the belief that the future of trading and financing will look prosperous from the past.

How Zuflo.io works?

Process Flow for Lending on Zuflo.io

Application will be KYC with Required Documents
For Proof of Business Identity - Processing via AI Management tools and via Chamber of Commerce integrated Systems
Documentation via Ethereum Based Smart Contract with Terms and Rates defined
Sanctioning of the Loan in terms of ZFL Tokens in equivalent Loan Amount
Disbursement in ZFL Wallet Address
Return of Loan with respect to Smart Contract monthly terms, in ZFL tokens in equivalent value at the repayment time

FX/Crypto Exchange Process Flow

Registration
KYC / Document Upload including Bank Details
Automated Documents Verification in 30 Minutes
Deposit Funds / Crypto
Start Trading with ZFL
Ease of Deposits and Withdrawals Facility

ZUFLO ICO - ZFL TOKEN

Offering a ZFL token instead of a traditional venture capital round enables our community to participate in the Zuflo.io success story, rather than limiting it to a small, selected number of traditional venture capital funds

Project Name: Zuflo.io
Project Description: Integrated Platform for Trading & Financing
Token Name: Zuflo Coin
Token Ticker Name: ZFL
Total Token Supply Cap: 500,000,000 ZFL
ZFL Offer Rate: 1 ZFL = 0.36 US$
Token Sale (Pre ICO Period-Tier 1): February 22, 2018 to April 15, 2018
Discount Pre-ICO Tier 1: 50% discount to USD 0.36
Token Sale (Pre ICO Period-Tier 2): April 16, 2018 to April 30, 2018
Discount Pre-ICO Tier 2: 30% discount to USD 0.36
Token Sale (ICO Period): May 01, 2018 to May 30, 2018
Pre ICO & ICO Period Supply Cap: 200,000,000 ZFL
Incentives to Early Investors: Early investors, receive the above discounts and other ongoing privileges as preferred investors
Payment Options: BTC, ETH, BCH
Payment Options (coming soon): LSK & Bank Wire Transfer

Allocation of crowdsale fund

Utilities of ZFL

Membership Key: ZFL token is a membership key in Zuflo Exchange and Financing platform.
Liquefiable: Post ICO,ZFL token will give liquidity since they can be exchanged on different exchanges.
Bonus & Payouts: User can use ZFL, to participate in the ZFL shared liquidity pool to receive weekly or monthly Bonuses.
Tokenization Mean: Entities and individuals would empowered to get "tokenized" or listed in Zuflo.
Commission Disbursement: The smart contract powered ZFL would allow smooth allocation and distribution to Referrals.
Finance Issuance: Finance to the SME specially retail sector, on Proof of Business Identity basis, will be allocated to the borrowers in ZFL token.