“How

will improve your financial decisions

with our Collective

Artificial Intelligence”
Let́s our robots works for you!

Collective AI Open DeFi as a Service Platform UFV PROPOSAL APRIL 2021 1

what we already did collective

Media audience Talent audience Mobile audience

Economy attention Optimum teams Optimum prices
Press link to watch
What you love findswhat
let´s Beyond
you you love findthan
you…the CV says
video media sector
example
The road right moment
2
 “NOT BEST OPTION FOR ONE
how we do it GOOD ENOUGH FOR ALL”

2 4
5

DATA DATA
DATA DATA
BUILDING BUILDING
COLLECTIVE COLLECTIVE
DATA-DRIVING DATA-DRIVING
1 COLLECTION 3 CLEANING SEMANTIC KNOWLEDGE 6 DECISION
RESULTS
COLLECTION CLEANING SEMANTIC KNOWLEDGE DECISION
MODEL PROCESSING DRIVEN
MAKING
MODEL PROCESSING MAKING

SEVERAL SOURCES FROM GARBAGE

GENERIC SITES AND COLLECTOR AND DATA CONTEXT ADOPTION COLLECTIVE ENGINE WISDOM SERVICES BETTER DECISIONS
VERTICAL SOLUTIONS DATA DEPURACY

3
“COMMON GOOD OPTIMUM”
 how we are making BETTER DECISIONS
“Collective AI exponential increase of successful decisions”

Most of the Big Data DATA ANALYTICS

DATA
companies SCIENCE
DATA STATISTICS

KNOWDLE COMPONENTS
SEMANTICS
Most of the AI companies
MACHINE LEARNING
DECISION AI
SCIENCE SCIENCE NEURAL NETWORKS

Nobody except us COLLECTIVE AI

PSYCHOLOGY
BEHAVIORAL
Just a few on behavioral SCIENCE NEUROSCIENCE
economics
ECONOMICS
4
our FASTER, CHEAPER AND BETTER AI!!!
with highly competitive advantages
BETTER DATA USERS VALUED KEY
EXTERNAL DATA INTERNAL DATA
PROFILES DUE TO COLLECTIVE
SOURCES SOURCES
INTELLIGENCE ENGINE

HIGH
SCALABILITY + COLLECTIVE INTELLIGENCE
ALGORITHM + CLOUD

STATE OF THE ART

+ HIGH
ADAPTABILITY

BUSINESS AGILITY
= BARRIERS TO
ENTRY

HIGH DIFFICULT TO REACH

LESS INVESTMENT
GREATER PROFITS TECHNOLOGY EASY TO USE → >8M€ and 10 years spent on our R&D.
Bringing the cash value to → 10 years collecting processed knowledge
Tested, robust and no scale limits With AI using Collective the users → Every on boarding clients increase value and
Intelligence ENGINE
Knowdle collective intelligence.
→ 50 real time running machines and growing
Bringing the cash value to the users → READY to use QUANTUM!
5
why our COLLECTIVE AI is exponentially better
“Collective AI exponential increase of successful decisions”

6
our competitive advantage
SCALABLE & FLEXIBLE CLOUD INFRASTRUCTURE GUARANTEES EXPONENTIAL GROWTH
Swarm intelligence (SI) is the
collective behavior of
decentralized, self-organized
B2B2C B2C B2B systems, natural or artificial.
Collective intelligence (CI) is shared intelligence that emerges
from the diversity, collective behaviour of decentralized, self-
organized systems, natural or artificial, of many differents
individuals (the difference is the important) under the common
(the nexus) good goal decision making and appears in consensus.

Collective AI
SCALABLE PORTFOLIO
KWS Verticals: MEDIA,
Collective AI
NON SCALABLE FINTECH, TALENT…
COLLECTIVE
INTELLIGENCE KWS Platform
ALGORITHM KWS Services
Collective AI (*) COLLECTIVE
ADAPTABILITY on HERDS
& EASY SWARM vs. COLLECTIVE
INTEGRATION
• Unanimity • Diversity
Collective AI •
NON DATA Bioinspired (Swarm) • Bioinspared (20
B2C AUDIENCE • Herd behavior paramenters)
& B2B
MONETIZING
MODEL • No ethic engine • Ethic engine
KNOWLEDGE • No motivation engine • Motivation engine

7
our COLLECTIVE AI product portfolio
B2C
Mrs. Knowsley Platform
§ Mrs. Knowsley is a freemium
collaborative framework that learn
about your financials events and
recommend you better options,
about telco, insurances,
entertainment, to save you money
and increase your incomes with
your decisions.
§ Mrs. Knowsley is a framework that
warning about ways to safe money
or increase incomes bringing the
cash value to the users, their friends
or their prganizations.
B2B2C
Mrs. Knowsley Affiliation Program
Our Artificial Intelligence Engine Integration with affiliate
programs for e-commerce facilitate any cross
recommendation under inferences of our AI technology.
Mrs. Knowsley AP, the world’s first Enterprise
Collaboration Platform that amplifies the intelligence of
collaborative business, enabling reveniew share model.
Available by low-cost monthly subscription as a web-based
SaaS product, Mrs. Knowsley AP combines the power of
human behavior economics with Collective AI algorithms,
enabling networked teams to quickly amplify their
collective intelligence while collaborating in real-time to
save costs or increase revenues.
8
our COLLECTIVE AI product portfolio
B2B
KHS Platform
§ KWS AI Financial Technologies is
a Collective AI-powered IKIGAI
Platform that uses the biological
principle of Bioisnpiration
Intelligence and Wisdom of Crouds
to improve the wisdom of any
individual, group or organization,
quickly enabling more accurate
financials forecasts, estimations,
insights, evaluations and decisions
to improve their cash flow.
B2B
Knowdle Wisdom Services
• Knowdle Wisdom Services “KWS”
AI Financial Technologies is a full
real service solution that combines
the power of AI with real-time human
decisions tools (under
recommendation engine format),
providing deeper, faster, and more
efficient than traditional financial
research and decisions methods, in a
fraction of the time.
B2B
Knowdle Collective AI
Technology
• From 2011 to 2021 we deploy a
Collective intelligence technology,
node and algorithms. We are designing
the principles for a new science that will
make artificial intelligence based on
people values and closer to world. Our
new approach works toward AI systems
that augment and empower all Humans
by understanding us, our society and the
world around us. Designing optimal AI,
meaning that AI is optimal for people
and that is trustworthy, ethical,
responsible and will take accountability
and transparency into account.
9
UFV Collective AI
advanced collective AI solutions

/ Profile DECISION

/ Saved
FIND
MONEY TRADE
/ Config.
Gane tokens(*) y dinero por usar
HOME
nuestra AI y mejorar sus finanzas y Acciones / Actions.
EXPLAIN
las de sus amigos con KNOWDLE
CARDS
FINTECH
BENCHMARKING

BALANCES
• BUILD
USERS & FRIENDS • DEPLOY DISCOVER

• ANALYZE
HISTORY • DECIDE
• OPTIMIZE MARKETING

RECIPIENTS CONTENTS

TALENT
CUSTOMIZE

(*) MRS.KNOWSLEY TOKEN IS THE COMMON GOOD UNIT

10
 how we do: SoolvIE
“what you love finds you”
EDUCATION

/ Profile DECISION

OFFERS
/ Saved
FIND
COLLECTIVE SELECTOR

/ Config. PROFITS
EXPLAIN
Acciones / Actions.

a tIF
Wh
WHATIF
BENCHMARKING

DISCOVER

MARKETING
CONTENTS

TALENT

11
 how we do: SoolvIE
“what you love finds you”
EDUCATION

COMMON GOOD GDP DECISION

2.900.0000,00$
OFFERS
FIND
COLLECTIVE SELECTOR

90.0000,00$
PROFITS
EXPLAIN

a tIF
Wh
WHATIF
BENCHMARKING
23.543 users

DISCOVER
KNOWDLE SERVICES (3) 7.500,00$
COMMON GOOD 24.000,00$
TOTAL EARNS/DISCCOUNT: 8.000,00$ MARKETING
CONTENTS
UFV TOTAL. -500,00$
UFV % BIEN COMUN 0,05% TALENT
UFV APORTACION A SUS CLIENTES 232.000,00$
12
our testimonials “be collective

13
our talented team

BOARD OF DIRECTORS ADVISORY BOARD

Yenlik Doskempirova
Founder Chairwoman
BACKGROUND:
CHAIRWOMAN KNOWDLE WORLDWIDE
Founder FINANCIAL EUROASIA
FINANCIAL ADVISOR LONDON
Lance Minnick
CEO Deputy & CMO
BACKGROUND:
Delta University in California, the
University of Navarra in Pamplona and
ESADE (Business School) in Barcelona,
Spain. Has worked as Product Manager
for multinational companies, and as
general manager in several Spanish
companies
Jorge Ramirez Rodolfo Carpintier
Founder CEO & CFO Santana
BACKGROUND: Chairman of the Advisory Board
Economist, CEO and General
Manager of midsize companies,
DAD CEO & Internet OLD runner
focused in distress situations and
fast growth companies
CFO KNOWDLE GROUP
Alfredo Galán
Executive Vice President, Chairman of
Pedro
PedroGarcía
GarcíaGuillem
Guillén the Management Committee and
Founder & Principal Research Director of Corporate Development
MEMBER OF THE BOARD JASO GROUP
BACKGROUND: &CEO JASOINDUSTRIAL
OTHER CRANES GROUPS
Research Principal KNOWDLE FOUNDATION
Felipe García Montesinos
Founder & VP of Technology
Margaret Chen
CEO CHINA SPAIN INNOVENTURES
BACKGROUND:.
DIRECTOR TELEFONICA CORPORATE
CEO KNOWDLE MEDIA GROUP
CEO INTUITIO GROUP
CHAIRMAN KNOWDLE FOUNDATION

14
 our knowdle awards & grants funds

10 years of awards
AWARDS & FUNDS
BBVA Open Talent Finalist
IBM SmartCamp
FICOD Semilla
Emprendetur
CTAs
Día de Internet Award
ENISA Funds
Alantra Academy 2019

KNOWDLE / COVIDWARRIORS
one of the top ten best artificial intelligence
initiatives with social and ethical impact

15
our knowdle RESEARCH FOUNDATION

Since April 11, 2013, the RedIRIS Secretariat has been affiliated KF with RedIRIS, 466 R & D & i center of the national academic and research network.

KNOWDLE Foundation & Research Institute is a private, independent, nonprofit research organization conducting client-sponsored
research and development for government agencies, commercial businesses, foundations, and other organizations with a worldwide mission
to promote human/ computer bio-inspired open knowledge freedom, in the pursuit of knowledge, intelligence and wisdom. Knowdle also
brings its innovations to the marketplace by licensing its intellectual property, Knowledge as a Service Model and/or creating new ventures.

16
our knowdle grants funds
Proyecto de Desarrollo Experimental BUAALA.TV: televisión internet, interactiva inteligente.
Programa AVANZA Contenidos Digitales 2011-2014 1,7M€ 20/DIC/2011

CIExSRM: Collective Intelligent Extended Social – Segmentation Relationship Management 2017-2018.

CTA Program 599.318,64€ 29/SEP/2017

Citizen KNOWIE: Cómo las ciudades inteligentes incrementan su negocio con inteligencia colectiva y big data.
2016-2017. CTA Program 548.867,35€ 30/JUL/2017

WeTheTourists: An Application For Media & Tourism of a Big Data Optimizer Engine (Collective Intelligence based) with WATSON over multiple FI-
WARE Platform nodes.
Programa EMPRENDETUR I+D 2015 248.635,00€ 17/NOV/2016

WeTheWisdomTourist: Hacia un motor de sabiduría colectiva aplicada al sector turismo.

Programa EMPRENDETUR I+D 2016 415.442€ 14/07/2016

“Knowledge Acquisition Techniques for an Inference Engine (Collective Intelligence based)”

Programa PID CDTI 2016 2,4M€ DIC/2016

KATIE & MARY (K&M) sobre AIMEE – acrónimos de Knowledge Acquisition Techniques for an Inference Engine under Motivations Acts and Rules
Yields over Artificial Intelligence Massive Events Engine for Financial Operations (Collective Intelligence based).
2021 NEOTEC CDTI approve 428.565,50€

Total 8,5M€ grants

17
our COLLECTIVE AI R&D portfolio
White Papers
§ KNOWDLE Foundation &
Research Institute, research in
knowledgefields in order to reach
intelligent solutions and wisdom
opportunities to create a new
economy knowledge- based.
§ We will create new opportunities
for new jobs, knowledge
prospectors, intelligent engineers,
wisdom architects and papers.
https://www.knowdle.ai/papers/
White Books
• Knowdle Researchs Services is a full
real service solution that combines
the power of AI with our best research
and consultancy programs. We
support you to get advances in your
short and long results. Using Artificial
Intelligence technologies and
solutions based on Collective
Intelligence, the company Knowdle
seeks to empower startups and
established companies with the
technology they need to promote
new business models and turn them
into truly exponential organizations.
Collective AI Labs
• KNOWDLE Foundation and Research
Institute devoted solely to basic research in
open knowlege and bio-inspired artificial
intelligence internet-based tools and
technics. THE CHALLENGE. KNOWDLE
Foundation and Research Institute advances
the science of open knowledge through
Biologically-inspired AI & Cognitive research
to deploy the intelligent cloud. Our promise
is simple: to sponsor objective research that
provides with practical, scientific solutions.
We help the knowledge community prepare
for tomorrow by anticipating and responding
to new threats, technical challenges, and
risks. Our value comes when we deliver
knowledge and intelligent tools world need
in a timely, easy-to-understand fashion.
18
 our awards ++
SEPTEMBER 2020 STARTUP FINALISTS

MAY 2020: KNOWDLE FINTECH @ AOF “LA FAROLA”

20 FINALISTS FROM 120 CANDIDATES

ONLINE YENLIK FINAL PITCH

https://www.europapress.es/andalucia/noticia-junta-telefonica-seleccionan-online-36-
empresas-acelerar-startups-salud-financieras-agrotech-20200512121030.html

19
SECOND PRIZE
KNOWDLE
Collective Intelligence Profit Sharing Program

§ UFV will participate in KNOWDLE's AI Collective

Intelligence program of collective benefits.
§ The algorithm calculates the contribution of UFV to the
common good to the Collective GDP, that is, it
measures the monetary value of the final goods and
services, which are bought by the end user, produced in
the ecosystem in a given period of time (monthly,
quarterly, yearly….)
§ The Profit Sharing Program includes the way in which
the service contract remunerates UFV and all other
clients, partners and startups so that everyones
benefits in the most optimal possible way.

20
KNOWDLE
Collective Intelligence Profit Sharing Program

KNOWDLE's income from its customers, suppliers and partners as well

as from the Affiliation Programs (PAs) signed by KNOWDLE AI GROUP
are measured and valued by the Collective Intelligence Algorithm
according to decisions and contributions to the common good in real
time dynamically.

It is NOT considered a program to reimburse money for purchases of

products and services, nor a program for the fidelization of clients due
the algorithm weighs the contribution (influence) over the common
benefit of all clients.

A customer could have income even without buying any product or

service but giving great influence on their purchasing decisions to the
rest of the community.
21
KNOWDLE
Collective Intelligence Profit Sharing Program

About the application of income:

The client, company and/or person, may apply their income within 24
THE ECONOMIC VALUE OF YOUR hours of considering the income in the KNOWDLE accounts as
DECISIONS AND INFLUENCE available, with a minimum of €25 in the following options:

• Transfer to the client's account with invoice generation for their

income.
• Discount on purchases of products and services, owned by
KNOWDLE or third parties.
• Donation to third parties.
• Contribution to crowdfunding funds.

22
KNOWDLE technical approach
JAIME project: Jet AI Masive Events for Educational Instances and Predictive Contents Engine

AI EDUCATIONAL
NFTs

DECISION
OPEN SEMANTIC ENGINE
DOCKERS
SEMANTIC.
MODEL

RISK & VALUED

ENGINE UFV SYSTEMS
UFV SEMANTIC A. B.
DOCKERS

✔ JAIME ENGINE
A. PREDICTIVE ENGINE
B. SCORING & NFTs ENGINE

23
 KNOWDLE technical approach NFTs integration
JAIME project: Jet AI Masive Events for Educational Instances and Predictive Contents Engine

IMPROVE ENGINE AI EDUCATIONAL BENCHMARKING

NFTs ENGINE
USERS TALENT ENGINE
STRATEGY

BIO ETHIC IMPROVE MOTIVATION

ENGINE ENGINE ENGINE
SEMANTIC
PROCESSES

INTELLIGENT
CONTENTS
DECISION
SEMANTIC DOCKERS ENGINE

CONFIDENCE RISK ENGINE

ENGINE GROWTH
A. B.
ENGINE

A. PREDICTIVE ENGINE
B. SCORING & NFTs ENGINE
24
 THANK YOU
This document and the information contained herein are the confidential
proprietary information of KNOWDLE AI FINANCIAL TECHNOLOGIES,S.L.
(the “Company”), shared in confidence with the recipient for the purpose
of evaluating an investment in, or collaboration with, the Company, may
not be used for any other purpose and may not be shared with any third
party without the express written consent of the Company.

Legal Representatives
C/ Almagro, 2, 1º Dcha
28010 | MADRID (Spain)

C/ Steve Jobs 2
PROMALAGA EXCELENCIA
29590 | CAMPANILLAS (MALAGA)
For more information or additional materials please contact: 9-10 Staple Inn, 2nd Floor
London WC1V 7QH | England (UK)
Yenlik Doskempirova CHAIRWOMAN Yenlik.Doskempirova@Knowdle.ai
investors@knowdle.com
Felipe García VP of Technology Knowdler@Knowdle.ai www.fintech.Knowdle.ai
Tel. +34 910 800 000
www.fintech.knowdle.ai 2021 PROPOSAL 25