Unifina Whitepaper
Unifina is a next-generation financial integration platform that overcomes the structural limitations of existing financial systems by incorporating AI and blockchain technologies. By providing integrated solutions including banking functions, exchanges, fintech, digital asset management, and RWA tokenization on a single platform, it innovates the paradigm of global finance.
Vision and Mission
Vision
We aim to create a global financial ecosystem where individuals and businesses can safely and efficiently manage their assets through a technology-based autonomous financial system.
Mission
With trust, transparency, and automation as our core values, we strive to create an easily accessible financial environment and provide fair opportunities even to the financially underserved.
Problems with the Existing Financial System
Dependence on Centralized Systems
Authority is concentrated in banks and institutions, resulting in users having limited control over their assets.
High Fee Structure
Multiple intermediaries cause unnecessary costs.
Opaque Asset Flow
The non-transparency of financial product structures and transaction details is problematic.
Global Expansion Limitations
Inefficiencies and regulatory issues arise in international remittances, investments, and other cross-border activities.
Unifina's Core System Components
AI-based Asset Management System
Analyzes users' financial status and investment preferences to build customized portfolios. Provides automatic rebalancing, risk alerts, and goal-based asset management features.
Blockchain-based Financial System
Ensures user ownership through wallet-based account management and secures electronic financial trust with blockchain-based transaction ledgers. RWA tokenization functionality converts physical assets into digital assets to secure liquidity and improve investment accessibility.
Integrated Platform Architecture
Comprehensively provides digital banking systems, multi-asset exchange systems, fintech API hubs, and smart contract-based automation.
Key Features
Feature | Description | |
Asset Auto-Analysis | AI-based risk analysis and recommendations | |
RWA Investment | Digital investment of real-world assets | |
Cross-Border Payments | Blockchain-based international remittance | |
Wallet-Based Account Management | Private key ownership guarantee | |
Automated Investment Strategies | AI+Smart contract based automatic operation | |
DID Authentication System | Enhanced security through decentralized identity verification |
Revenue Model and Ecosystem Strategy
Premium Financial Services Subscription
Premium financial service fees
RWA Investment Platform Fees
Real-world asset tokenization transaction fees
API Marketplace Usage Fees
Developer and enterprise API usage fees
AI Financial Service Module Sales
AI technology licensing
Unifina activates the ecosystem through token issuance and utility provision, plans to obtain financial licenses in regulation-friendly regions such as Singapore, Dubai, and Switzerland, and build a local RWA liquidity network in collaboration with international partners.
Technology Stack
AI Engine
User profiling, automatic portfolio recommendations
Blockchain
Ethereum L2, RWA dedicated subchain
Smart Contract Languages
Solidity, Cairo, Move
Security
Multi-factor authentication, ZKP, MPC wallet technology
Roadmap and Conclusion
1
Phase 1 (2024)
Platform design, PoC development
2
Phase 2 (2025 Q2)
RWA test launch, beta opening
3
Phase 3 (2025 Q3)
License acquisition and global launch
4
Phase 4 (2026 Q1)
DAO-based regional operation, service expansion
Unifina is not just a digital banking platform, but a modular infrastructure for the next-generation financial ecosystem. Each element works organically to support all financial activities including asset management, investment, payment, and authentication, and will grow into a futuristic financial network that global users can trust.