Zuflo.IO ICO overview

Trading & Finance - One Platform

About Zuflo.IO

First Integrated Trading & Financing Platform on Blockchain / Sidechain with Financing, FX & AI features and Proof of Business Identity Sidechains


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


“Our mission is to form an easy to use integrated Blockchain / Sidechain platform for trading & financing where the needs of the user come first.”


– We will integrate USD 8 Trillion+ Global Forex and its related Assets’ Legacy Market with Crypto Assets (Cryptocurrencies)
– We intend to develop the biggest trading liquidity pool comprised of ZFL token holders, for their benefits.
– We will develop the ZFL Exchange front-end trading dashboard, wallet, the integration with blockchain back-end and the legacy system integration.
– We will intend to obtain a Banking license for our ZFL Finance option, in order to integrate it with different corporate finance sectors
– Financing / Credit / Margin using Cryptocurrency
– Fully Compliant Exchange & Finance with required securities, rules & regulations, compliance, KYC and AML by Estonia
– Finance option to the SME especially Retail sector on Proof of Business Identity on Blockchain / Sidechain and feasibility of Profit Sharing Model


Blockchain is an immutable, shared ledger that provides needed visibility across the business network

Blockchain allows collaboration between several parties that may not know each other, or that are located in different geographical locations. It’s like an account ledger that you insert information, similar to a database, he said, but once that information is in there, it is extremely challenging to alter it. “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



The ease of use/ the lack of user‐friendliness: Sending and receiving digital money is still  cumbersome, because each time the user decides to spend cryptocurrency, he/she is required to visit three different websites to be able to do simple operations such as setting up a wallet, making an exchange or spending cryptocurrency. Users are also lacking confidence in the safety of their funds.

–    Account Verification Processing Time is Slow
–    Elevated Transaction Fees
–    Lack of End-to-End Visibility
–    Utilize Incompatible Systems
–    Support takes long time


–    Easing Entry to Crypto Trade
–    Integration of FIAT & Crptocurrency Exchange
–    Disintermediation
–    Trade-on-the-Go Functionality
–    Secure and Safe Wallet
–    Contemporary Trading Features (Spot, Margin Futures, DEX, etc)


Millions of global citizens have minimal access to banking services and are forced to take out credit lines from informal channels with annual interest as high as 4,000 percent. It’s not that conventional banks don’t want to serve more people, it’s just that it’s unprofitable for them to do so in remote and less populated areas.

Digital transformation is lagging for SME Financing big time. Getting a short-term finance can be an excruciating task, especially for the small and medium scale enterprises which do not know the strings. It is mentioned in a credible small business survey, that even with the advent of newage online lending platforms, small businesses continue to find troubles while seeking capital. The survey also revealed that 45% of the loan applications were rejected more than once, and
23% were unaware of the reasons their applications were rejected. Similarly holders of digital assets have limited liquidity options in today’s cash based digital economy.

Inefficiency of Current Trading Platforms
Without blockchain, SME lenders cannot:

  • Launch business quickly and provide new value propositions
    · Improve spreads and margins
    · Reduce operational risk and costs
    · Comply with regulations across regions
    · Perform real-time accounting
    · Gain a 360 degree view of each customer
    · Mine data and provide real-time customer dashboards and reporting


The Financing 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 Financing

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.

Financing Identity

Zuflo 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

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 Regulations

Initially Zuflo would publish the whole history of issued loans, including currently active, paidup and defaulted loans on the Ethereum blockchain. In next phase Zuflo intends to publish the whole history of currently active loan’s performance and transactions in blockchain. This will make Zuflo 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 & Digital Assets

Besides, option of conventional assets Zuflo 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 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 everexpanding 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 will offer investment banking services including financing corporate strategies of our business clients.

Zuflo.IO ICO details and overview


Ends 30 Apr 2018

ICO Start:

01 May 2018

ICO End:

30 May 2018




1 ZFL = 0.36 USD








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