FintruX Network makes it easy for borrowers to connect with reputable lenders and servicing agencies, save money with competitive interest rates, and get an affordable loan within minutes in a fair and transparent process without collateral.

FintruX Network is making decentralized financing with trust a no-brainer for borrowers and lenders, building an ecosystem where transparency, risk reduction, and efficiency is maximized to ensure all participants win.


The Issues Plaguing Traditional Small Business (SME) Financing

01. Inefficient

Banks prefer to lend cash on cash. This means that they will lend you the same amount of money you have in your savings account, using your money as collateral. Additionally, loan amounts requested are usually too small for financial institutions to do efficiently.

02. Expensive

If a loan is procured from alternative financing sources, the interest rate is generally too high. Finance companies only utilize a few data sets to evaluate SME borrower worthiness resulting in poor representation of credit, and traditional p2p lenders offer high interest rates due to private equity backing.

03. Inaccessible

Capital that could have been invested in small business credit has been largely locked out of the market. Individual investors generally lack the size and access to directly invest in small business credit, and while institutional investors have had some access to this market, they lack the tools to customize portfolios to their specific risk tolerance.


We leverage our extensive expertise and technology to create an ecosystem of lenders, borrowers, and service agencies operating in a true peer-to-peer marketplace to reduce the friction of small business (SME) lending. Our platform makes unsecured financing easy, fast, and highly secure with credit enhancements, no-code generation, and an open ecosystem.

Credit Enhancements

Credit enhancements have historically only available to securitizations of large portfolios. Our background and technology enables us to create novel credit enhancers for our true P2P lending platform, acting as cascading levels of insurances to cover potential losses. This reduces the lender’s credit risk and interest rates for borrowers is lowered.

Level 1: Security Deposit

10% protection.

Since the security deposit is one-tenth of the loan, it is capable of covering one out of ten bad loans from the same borrower.

LEVEL 2: Incented Guarantors

Complete protection by owner and incented guarantors

For loans under their protection, the owner and incented guarantor(s) are responsible for losses over 10% in a cascading manner. The company owner is always the first guarantor to be responsible.

LEVEL 3: Credit risk pool

Additional protection via cross-collateralization pools

The credit risk pool is made up of the over-collateralization (10% hold back) of loans in the same class (risk & currency). If all guarantors for a loan default, then the respective pool can cover additional losses, neutralizing the risk for lenders.

Continuous injection of over-collateralization from new loans and recovery from defaulted loans will make this pool one of the safest insurance mechanisms.

LEVEL 4: FintruX Reserve

Ultimate reserve protection

Failing all previous credit enhancers, 5% of all FTX Tokens has been reserved to cover remaining losses. This scenario is extremely unlikely in a healthy ecosystem of good actors, incented guarantors, and loan volume.

No Code Generation

Our no-code generation technology enables us to simplify and streamline the loan application process, increasing efficiency and lowering costs. Borrowers and lenders of various risk profiles and tolerances can easily find each other online. An open-source unique loan smart contract is automatically generated and deployed by FintruX Network for each approved loan in real-time to provide unambiguous, immutable, and censorship resistant records where no arbitration is required and expected obligations are transparent.

Traditional automation is one system for all varieties of transactions – lots of “if-then-else” statements, very complicated. We are shifting the programming paradigm with FintruX Network. We enable the generation of one unique program (“Smart Contract”) for each borrower contract to be deployed at real-time on the blockchain via configurable user interfaces for the platform participants. By generating a new contract for each individual use case, each program is in its simplest form, no more if-then-else statements.

What it means to our programmer: before, we used to make all programs flexible, no hard-coding; now it is just the opposite - all hard-coding to make sure it is in its simplest form and fully customized for one scenario, one situation, one event.

The Smart Contract becomes a binding agreement between the participants - unambiguous, immutable and no arbitration required on the terms and conditions, and status of repayment at any time. Special instructions such as refinance, prepayment, end-of-term processing, are self-executing and previously agreed upon.

Open Ecosystem

To further enhance our offerings, we invite partners to join our open ecosystem such as fraud and identity (KYC/AML) service agents, credit scoring and decision agents, escrow agents, collection and recovery specialists, wallets, exchanges, brokers, insurance companies and technology companies; to develop a new generation of financial products and innovative new tools for use on our platform. By enabling borrowers and lenders direct access to a wide host of financial services, we create maximized opportunities and freedom to make the right decisions.

We provide and maintain a decentralized review platform for borrowers, lenders and all service agencies on the blockchain. In contrast, reviews written on a third-party website are subject to change by the site owner – there is no integrity in the current non-blockchain based systems. The need of gaining qualified feedback/market research data to enhance the quality of risk assessment, service and transparency cannot be over-emphasized.

On the other side, we see borrowers, lacking a reliable source of comparability between different lenders as well as the possibility to give unfiltered feedback to share their opinion and thoughts. The same for lenders who can now rate and write reviews on their borrowers and agencies; subsequently these can be used as part of the credit scoring mechanism for assessment of credit risk.

With true P2P lending, we place decision making directly into the hands of the users. For the first time, ordinary citizens have the opportunity to tap into small business credit and make their own credit decisions based on facts, market insights, and/or third-party analysis; giving them unprecedented control over their investments. Borrowers can choose to be scored by a variety of credit scoring agencies to build a more comprehensive and holistic view of their creditworthiness, unlocking access to additional sources of funding. Incented guarantors improve overall interest rates by guaranteeing loans, earning a portion of the interest for an incentive fee. Service providers are offered the opportunity to expand their offerings from a traditional wholesale model for financial institutions, to a retail model selling directly to consumers.


The FintruX Network is powered by FTX, a utility token that rewards participation in the marketplace.

  • Supply

    All ecosystem participants get paid with FTX tokens for their services.

  • Demand

    Token holders have access to the platform, and earn exclusive benefits and rewards.

  • Stable

    Demand of FTX is directly proportional to the number of loans facilitated by the platform. Costs specified in FTX are tied to Fiat, enabling a self-regulating mechanism.



November in Review

We have had a productive and insightful month where the combined efforts of the entire FintruX team has enabled us to produce a fantastic solution that is ready for scaling on a global level. In pursuit of delivering a product that is ready to be accepted by the industry, the FintruX team has been very active in participating in impactful fintech conferences and demoing an advanced prototype of the platform to significant players in banking, finance, and government agencies to garner their support.

- December, 04, 2018

Tuesday Team Talks № 19

We had a great week at the Singapore Fintech Festival that took place last week from the 12th November to 16th November at the Singapore Expo. The event was largely successful and aimed to be the world’s largest Fintech event to date. There were over 250 speakers, 450 exhibitors , 16 international pavilions and over 40,000 participants at the event.

- November, 20, 2018


Get In Touch

Any questions or want to see a demo? Reach out to us and we’ll get back to you shortly.

  • 12 Marina Boulevard, #17-01 Marina Bay Financial Centre Tower 3, Singapore 018982
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  • 12 Marina Boulevard
    #17-01 Marina Bay
    Financial Centre Tower 3
  • Singapore 018982
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