Defi Business And Products Introduction

Introduction

Defi enables lending institutions to make better lending decisions through management of
financialriskandpre-loaninvestigation

Over-borrowing Detection
System

Credit Scoring & Assessment

Platform
State-of-the-art An evolving product
Fraud list with 50,000+ Smart co-marketing platform
technology for security, plan that provides
individuals already and for inactive customers
privacy and authenticity complete solution to
growing with Blockchain lending firms
Precision marketing for
active customers
 Problem in credit market and Defi’s solution

Defi network has databases from multiple

Concerns of security and competition lending institutions to collaborate on
prohibit lending institutions to collaborate 3,000+ types of data without exposing the
and access larger data sets original data

Defi protocol compiles applicants’ data

Credit scoring is based on limited, from credit bureau, telecom, mobile data,
unverified and sometimes illegitimate data, social network, e-commerce, financial
which excluding billions of people transaction, etc. to calculate more precise
credit scores
Problems
Individuals have little control over their Individual users can view their own data
data profile, dispute errors, manage how the
profile can be used

Defi’s solutions catalyzes the ability of lending institutions to extend credit to more people in a risk-free way
Core technology

These advanced technologies make Defi’s data collaboration protocol compliant to GDPR– the gold
standard for data protection and privacy!

Trusted Execution environment

Distributed Ledger Smart Contract

Absence of a central administrator or Distributed Ledger Distributed Ledger

Guarantees confidentiality and integrity of
centralized data storage ensures data Allows open, fair and efficient transactions the data, by storing it in a secure area of the
without third party involvement
security and prevents its misuse system

Data encryption Zero knowledge proofing Data indexing & search

Distributed Ledger
Encryption and removal of identifiable Distributed Ledger
Enables one party to prove to the other party Distributed Ledger
Through data index, multiple parties could
personal information from data sets protects that they possess knowledge on certain things more efficiently provide, exchange and use
data privacy without revealing the knowledge itself. data from other sources

Asymmetric Cryptography Differential privacy Federated computation

Distributed Ledger Distributed Ledger Ensures that the data on mobile phones
Distributed Ledger
Asymmetric cryptography in the data transfer Ensures that the original data cannot be remain private and secure when
between participants ensures no other party reconstructed before the data providers
recommend suitable financial products based
can gain unauthorized access to data release the data for joint computation
on your data
 Our products

Defi data Defi Credit Defi’s smart co- The product can A next generation Personalized
The collaboration
collaboration Scoring and marketing enable digital data wallet digital data wallet
protocol can be
protocol can be used to do pre- Assessment platform can help institutions to to manage and for on demand
used to do pre- Platform can re-engage inactive upsell more transact wealth loans for
loan investigation
loan investigation calculate or former financial products products individuals at
and detect over-
and detect fraud customers' credit customers and to the existing competitive rates
borrowing by
users scores using data increase their life- customers through of self
from various time value data
sources like e-
commerce

For lending institutions For individuals

Current product

Financial institutions can establish a data alliance for a more secure

data collaboration environment

Features and benefits

They can upload, share, do joint computation and receive solutions for
their risk control demands

Fraud Detection
via Risk Data Ready recognition of borrowers with defaults and fraud records by
lending companies without having to lend for a long time
Alliance
Lending companies can be data providers and plug their data into the
network for rewards, along with simultaneously being data requesters
to check individual creditworthiness
Defi’s credit fraud detection platform

Process Flow
1. When evaluating borrower's creditworthiness,
lending company A initiates a credit fraud
detection request with Defi platform

2. Fraud List providers (other lending

companies) with relevant data receives the
request

3. Fraud list providers process and send the

results to the Defi platform

4. Consumer lending company A makes the

payment on the Defi platform

5. Consumer lending company A receives the

results

6. Fraud list providers receive the payment for

data collaboration
How to collaborate with us?

After trail, there are three ways of availing our products:

FREE
TRIAL Prepay on the Purchase the Exchange data
website to get queries in bulk for free
Get 5000 individual at wholesale queries and
queries once you queries price other offerings
sign up
Use them in 10
days
Crypto friendly partners and players can also transact using Defi
tokens– can be bought from a prominent exchange platform or
procured against the data pooled
Our overall plan for Defi

Business Development plan

Onboard 50 other non
prime lender institutions

April 2019
Dec 2019

June 2019
Mar 2019

Partner with prime lending

Service delivery to partners with emphasis on revenue maximization
Institutions (First Partners)
Organic onboarding of interested lending institutions after thorough vetting
in the Philippines

Product launch plan

•CreditMe App launched •Smart co-marketing

•Fraud Detection Credit Scoring and
Q1 Platform launched Q2 •Over-borrowing Q3 1H platform launched
Assessment System
2019 •Coinsta launched 2019 Detection Platform 2019 launched 2020 •Precision marketing
launched platform launched
Team and collaborations

Engineering - Yupeng Liao

Hulu, Tsinghua University

CEO - Kate Shen

Product - Pillie Wang
Lefinance, Blockchain Lab, P2peye, Renmin University

• Managed software development as program manager at Microsoft and Hulu, Operation - Vincent Lu
led design and development of Hulu’s second generation search engine (~10
Xiaomi, Accenture, Renmin University
million monthly users).

• Built Xiaomi’s presence in early international markets, and served as country Partnership - Summer Zhang
manager Singapore and Malaysia. Track record in building global market 9fbank, Deloitte, the University of Texas at Dallas
presence and community-based consumer marketing for tech products.
Marketing - Lynne Zhang
• B.S. in Computer Science, Carnegie Mellon University. CBNweekly, BYBstore

Strategic Partners
 THANK YOU!

For more details, contact Summer Zhang (Partnerships)

summer@defilab.com | +86 182 0100 6090