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The new paradigm of blockchain nance in 2023

Contacting Finance, Enjoying Finance

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1
Current Status of Finance Industry

The rise of blockchain The drawbacks of the traditional

01 03
finance (DeFi) financial model were highlighted

DeFi market capitalization The technical barriers in DeFi

02 hits $147 Billions
04
hinder the overall development

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The next generation of blockchain
finance requires blockchain
technology that can strengthen the
binding force to protect investors'
rights and facilitate the further
development of DeFi.
FINTOCH is committed to breaking
through the technical bottleneck of
the blockchain financial industry,
overcoming the shortcomings of
traditional finance, and improving the
development of the financial industry
comprehensively.
FINTOCH is a blockchain financial
platform in the new era, offering
01 powerful technology to secure
02 customer funds 24/7 with
comprehensive supervision.
Perform immediate
04 mandatory recovery in the
03 event of a loss to ensure
stable, easy, and secure
returns for investors.
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Formerly Morgan DF Fintoch, it was restructured

Fintoch LLC is an American
01 02 to Fintoch LLC with a $1 billion capital injection
blockchain technology company
from a Middle Eastern royal family.

Financial market: Famous product: FINTOCH

03 04
Focus on innovative blockchain finance investment platform
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B1508-0304 02/15/2023 10:47 PM Received by California Secretary of State

BA20230273132

STATE OF CALIFORNIA For Office Use Only

Office of the Secretary of State
STATEMENT OF INFORMATION -FILED-
LIMITED LIABILITY COMPANY
California Secretary of State File No.: BA20230273132
1500 11th Street Date Filed: 2/15/2023
Sacramento, California 95814
(916) 653-3516

Entity Details
Limited Liability Company Name FINTOCH LLC
Entity No. 202354619851
Formed In CALIFORNIA
Street Address of Principal Office of LLC
Principal Address 1401 21ST ST STE R
SACRAMENTO, CA 95811
Mailing Address of LLC
Mailing Address 1401 21ST ST STE R
SACRAMENTO, CA 95811
Attention
Street Address of California Office of LLC
Street Address of California Office None
Manager(s) or Member(s)

Manager or Member Name Manager or Member Address

+ WILLIAM THOMPSON 140121ST

ST STER
SACRAMENTO, CA 95811

Agent for Service of Process

California Registered Corporate Agent (1505) REGISTERED AGENTS INC
Registered Corporate 1505 Agent
Type of Business
Type of Business ANY LAWFUL PURPOSE
Email Notifications
Opt-in Email Notifications Yes, I opt-in to receive entity notifications via email.
Chief Executive Officer (CEO)

CEO Name CEO Address

None Entered

Labor Judgment
A Manager or Member, as further defined by California Corporations Code section 17702.09(a)(8), has an
outstanding final judgment issued by the Division of Labor Standards Enforcement or a court of law, for which no
appeal is pending, for the violation of any wage order or provision of the Labor Code.
Electronic Signature

By signing, I affirm under penalty of perjury that the information herein is true and correct and that I am authorized by
California law to sign.

WILLIAM THOMPSON 02/15/2023

Signature Date

Page 1 of 1
 !"#$%&',$:*4,<:4=:7
CEO
Bob Lambert
• Co-founder, board member and
Expert Committee Chairman of
the California Blockchain.
• Alliance Also a driving force
behind the development of the
global blockchain startup
ecosystem.
COO CFO
William Thompson Donald K. Marques
• Former Accenture • Confident leader with strong
consultant communication skills and savvy
business sense to motivate and
• Freelance entrepreneur lead the company through the
with extensive operational period of expansion
experience
 !"#$%&',$:*4,<:4=:7

CTO Marketin Directo Financial Reporte

Bruce Rayner
• Serve as a point of escalation and
subject matter expert for IT Risk
and Cyber domains, including
vulnerability management, data
protection and application security
Teodora Walker
• Responsible for overseeing
the planning, development
and execution of the
organization's marketing and
advertising initiatives.
Patricia A. Gaertner
• Analyze financial statements
to evaluate investment
opportunities, create financial
solutions for investors to find
favorable investments
 FINTOCH is a new generation decentralized

financial product developed by Fintoch LLC

guarantee the security of users' funds through

HyBriid smart contract, the core technology of

blockchain

Users' investments in FINTOCH are supervised by multiple anonymous

supervisory nodes and will be subject to stop loss and withdrawn to the
PRESENTATION regulated wallet automatically when the liquidation terms are met,

BY FINTOCH achieving a truly decentralized supervision without dead-ends.

FINTOCH's technology breakthrough won the DeFi

Technology Contribution of the Year Award in 2021 at

the Pan American Blockchain Summit.

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HyBriid 2.0
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Decentralized security technology + smart contracts

Peer-to-Peer Blockchain Finance

1. Income from investment and lending
2. Income from Loan Matching Pool

Decentralized Leveraged Borrowing

Investment as STO
Equity Earnings Principles

Income for promotion invitation

1. Invitation of users 2. Team building 3. Partners’ subscription
ＦＩＮＴＯＣＨ

PART ０1

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Decentralized Security Technology & Smart Contracts
FINTOCH has successfully developed the Hybriid blockchain
security technology through the breakthrough of zero-
knowledge proof and multiple signature technologies.

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'?@;""A
Each time when a user borrows funds, HyBriid 2.0 will randomly select 10 nodes from

100 supervisory nodes twice, and generate two anonymous supervisory nodes with

private keys through zero-knowledge proof encryption. Then, the private keys of the two

anonymous supervisory nodes work with the borrower to create a multi-signature

lending contract wallet. The funds in the multi-signature lending contract wallet are

supervised and authorized by three parties, and the borrower must have two
Ap
authorizations to transfer funds from the multi-signature lending contract wallet to
pl
y
Borrower fo Fintoch-authorized DEX or cross-chain bridge for investment.
r l
oa
n

Make an
investment
Lending FINTOCH FINTOCH
Wallet
granted DEX
Surveillance Liquidation and
Withdrawal

Investor
When the DEX investment funds reach liquidation conditions
(time is up or margin is insufficient), they will be forcibly
converted to the lending currency and withdrawn to the

regulated wallet
ＦＩＮＴＯＣＨ

PART ０2

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“DeFi 2.0”, the killer app of FINTOCH FINTOCH platform enables users to
freely and securely engage in peer-to-peer financial investment

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Secure and Efficient Blockchain Short-term Loan Financing
When making loan financing at FINTOCH, users can easily achieve high returns, with
the yields calculated daily! In addition to high return, there is also full protection or
coverage for the lenders when it comes to loan financing. Borrowers are required to
pay 50% margin at most, and short-term loans can only be invested in the DEX
(decentralized trading platform) authorized by FINTOCH. Liquidation conditions are
set up in the system. When the loan term is up or the margin is about to run out, the
investment will be automatically cleared by the smart contract, and the fund will be
withdrawn from DEX and returned to the lender to ensure that their interests are not
compromised.
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≥ 100U 7 Days 1.0 %

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of Blockchain Loan Matching Pool with High Return and High Security
All of the daily profits generated by users will enter the platform's loan matching pool in real-time
and will be matched automatically to users with a borrowing term of 1 day. Therefore, all of the
user's daily earnings will be lent again in the loan matching pool with a daily lending yield of 1.5%,
which is much higher than the yield of 7-day lending. The transaction is conducted under the
protection of FINTOCH's blockchain technology, which balances high yield and high security. See
the chart for details of the rules for the operation of the users’ earnings in the loan matching pool.

Loan Matching Pool

Users' funds in the loan matching pool generate 1.5% compound interest daily and can be withdrawn at any time without any
Rules 1 restrictions.

When the user's cumulative total earnings are greater than the user's total individual investment, the earnings in the loan matching
Rules 2 pool will no longer match the 1-day lending nor generate any compound interest.

Rules 3 A service fee equal to 5.0% of the amount withdrawn will be imposed when users withdraw funds from the loan matching pool.

FINTOCH blockchain technology has turned over a new leaf for DeFi and will become the successor and innovator
of traditional finance in the future, bringing users the most secure, efficient, and convenient way of financial
services.
ＦＩＮＴＯＣＨ

PART ０3

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Borrowing with FINTOCH is fast, convenient, secure,
and allows for leveraged borrowing with less margin and higher utilization of user’s funds

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Secure and Efficient Blockchain Short-term Loan

Daily Lending
Lending Amount Percentage of
Lending Cycle (Days) Interest
(USDT) Deposit (%)
(%)

≥ 100U 50% 1 day 2.5 %

≥ 100U 50% 7 days 2.0 %

The loan financing funds invested by users are matched to users with a borrowing
cycle of 7 days, and the funds from the loan matching pool are automatically
matched to users with a borrowing cycle of 1 day.
ＦＩＮＴＯＣＨ

PART ０4

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Investing in FINTOCH will not only offer users with high returns

but also grant the STO equity(FTH) of FINTOCH to users,

allowing them to become a shareholder of the platform.

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Can blockchain financial investment also make

you a shareholder? In FINTOCH, we adopt the "
Investment as STO " model, which allows users
to invest in FINTOCH, generate high returns,
receive FTH equity, and become shareholders
of this platform.

FINTOCH is expected to release 30% of its shares

and offer them to all the users who invest in the
platform, enabling them to become
shareholders of FINTOCH!
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For all the daily earnings generated by investors on FINTOCH, additional STO equity equal to 1% of the
earnings funds (FTH for short) will be given. For example, if an investment of 10,000 USDT generates 100 USDT in
a day, the user can obtain the FTH which is equivalent to 1 USDT, converted to the corresponding amount
based on the real-time price of FTH. When FINTOCH is listed, 30% of the shares will be distributed according to
the number of FTH equity shares per user.

Amount of
Daily Earning（USDT） Number of STO Equity (FTH）
Investment(USDT）
10000 U 100 U 1 USDT equivalent number of FTH

The combination of investment and equity allows users to invest in both the "present" and "future" at the same
time. You can not only get high return immediately, but the value of the FTH equity in your hand will also
increase as the platform grows. The earlier you invest, the higher the return you can expect.
ＦＩＮＴＯＣＨ

PART ０5

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To accelerate the development of a peer-to-peer blockchain financial
ecosystem, FINTOCH rewards all the users who help in building the
ecosystem by providing diverse community building benefits, including
user invitation revenue, team building revenue, and partner revenue.

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 "1J04:,8704,57040+-01,-1N-+*+-01,08,!"#$%&'
FINTOCH's Innovative Financial Model has created a new paradigm for DeFi. To allow more users to enjoy
secure, efficient, and high-return peer-to-peer blockchain finance as well as accelerate the development of
the ecosystem, FINTOCH will reward all the users who help in building the ecosystem by providing multiple
promotion invitation revenue, inclusive of user invitation revenue, team building revenue and partner
revenue. With this program, you can help users around you get access to secure, high-yielding financial
products while getting extra income. It is a win-win-win situation for old users, new users and the platform!

FINTOCH's revenue is derived from the spread between borrowing and lending rates and the platform's profits
from the distribution of fund products offered by the issuers. To build an ecosystem, the platform shares most
profits with users. The invitation revenue and team building revenue received by users are distributed from the
platform profits.

User’s Invitational Revenue Team Building Revenue

Whether it is a direct user you recommend or an indirect
user recommended by the user you recommend, you are
entitled to a share of their earnings. For the direct users,
you can enjoy 15% of the user's net investment income.
For the indirect users, you can enjoy 10% of the user's net
investment income.
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At FINTOCH, we are committed to teamwork spirit. If you meet the team
performance requirements, you can be promoted to a higher management level
and get additional income. While helping friends and family to increase their
income, you can also take the opportunity to gather like-minded partners as a
team to develop their careers, earn high returns, and accelerate the
establishment of an innovative nancial ecosystem. Promotion conditions and
bene ts for all levels are shown in the table below.
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Level Qualification Requirements Descriptions Dividend

It has five direct investment users, and the team 20% of the team's net
GM
investment amount reaches 50,000 USD. investment income
Managers will be assessed
It has 2 GM subordinate users, and the team daily and retained for 7 days 30% of the team's net
VP
investment amount reaches 150,000 USDT. if they fail to meet the investment income
requirement, which may
It has 2 VP subordinate users, and the team 40% of the team's net
SVP result in their being
investment amount reaches 500,000 USDT. investment income
downgraded to the
It has 2 SVP subordinate users, and the team corresponding level 50% of the team's net
ED
investment amount reaches 2 million USDT. according to their investment income
It has 2 ED subordinate users, and the team performance at that time. 60% of the team's net
MD
investment amount reaches 6 million USDT. investment income

If the user invites a subordinate management level of the same level as his own, he will enjoy 20% of the earnings of
Explanation
the subordinate users of the same level. Users who have successfully become MD levels and their effective, directly
of peer
sponsored subordinates who are also MD levels will receive an additional dividend entitlement and a weighted share of
earnings
10% of the total profits of the platform.
FINTOCH

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FINTOCH is a revolutionary and inheritor of traditional finance

FINTOCH aims to change the shortcomings of traditional finance and create
a new model of blockchain finance with the Middle East royal family

www.fintoch.com
FINTOCH

Let's work together to complete the

listing on NASDAQ within 3 years.

www.fintoch.com