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Fincross has designed a permissioned, interoperable and peer-to-peer - P2P - blockchain for the digital financial ecosystem. Compared to contemporary distributed financial systems and legal systems, a key differentiator of a distributed system as enabled by Fincross is that it is not limited to enterprise financial applications and it empowers a network of identity-verified users to perform P2P digital asset transactions across several applications via a single rail.

In light of recommendations proposed by the Financial Action Task Force - FATF - in June 2019 regarding a risk-based approach to 'virtual assets' and 'virtual asset service providers,' we have made design decisions that enable Finex to develop a new global standard in the compliance of distributed financial systems which store and transfer digital assets.

Design Goals

The foundation of Finex is designed to:

  1. Provide investors with greater access to digital investment products and services
  2. Connect liquidity pools
  3. Incentivize issuers to launch high-quality products on the network
  4. Incentivize financial institutions and service providers to collaborate and scale financial applications on the network

Finex employs a distributed governance model made up of a network operator (Fincross), active network validators (super nodes) and FNX token holders to influence the future evolution of the network. Meanwhile, all functions on Finex are powered using FNX tokens and consensus is managed by a native adaptation of the delegated proof of stake mechanism, which promotes responsible validation and rapid block production.

Layers Of The Finex Blockchain

The architecture of Finex includes a number of key components necessary to support the varying compliance obligations of issuers, financial insititutions and service providers domestically and across borders:


The foundation of our network is the Finex blockchain, which offers a wide range of functionality including smart contracting, a secondary settlement layer for non-native digital assets, cross-chain settlement, merkle proofs and more.


An identification and authentication system which enables identity-verified users to log into financial applications on Finex that are applicable to them with a single set of credentials.


A money laundering and terrosist financing - ML/TF - system which monitors all transactions made to and from a Finex address using a risk-based approach recommended by the FATF.


The Finex protocol enables users to create different types of address in order for users to have flexibility regarding the privacy level of transactions they make on the network.

Libraries & Tools

At the top of the software stack are the Finex developer libraries, Smart Contract Builder tool and compliant sets of FRC token protocol standards.

Financial Applications & Services

Finex has been purpose-built for investors, issuers, financial institutions, corporations and service providers to transact P2P and use/run a wide range of financial applications including:

  • Custody
  • Payments
  • Settlement
  • Exchange
  • Trading platforms
  • Robo advisors
  • Gaming
  • Token issuance
  • Lending
  • Collateralized debt
  • Credit rating services
  • Asset and liability management
  • Trade finance
  • Smart wills