WHITEPAPER

Based on the team's rich secondary market experience and trading strategy, as well as the most advanced artificial intelligence in-depth learning, Ainance is dedicated to building a trading robot that can automatically trade and make profits, and is committed to providing a safer, more convenient and higher return of investment and financing platform for crypto investors.

WHITEPAPER

The world’s leading AI investing platform

For Crypto investors

ainance.io

Advices before you read

If you have never invested bitcoin or other crypto-currencies in the secondary market, please ask for the help of relevant personnel to read this white paper together, otherwise you

may have difficulty in understanding the content of this white paper and the real value of this project.

If you have been investing in the secondary market with a very stable and considerable profits, please stop reading, because you are not the audience users that this project

hopes to benefit.

If you are a fan of Ponzi, please stop reading. Although this white paper has considerable recommendation rewards, its

nature is essentially different from any Ponzi.

The service and tokenomics of this project is a unique innovation. Please do not unilaterally compare this project

with other blockchain projects before you finish reading and understanding the whole white paper.

ContentsCHAPTER 1 PREFACE SUMMARY 1.1 THE ORIGIN OF BITCOIN 1 1.2 THE GROWTH OF BITCOIN 2 1.3 INVESTORS’ SADNESS 3 1.4 THE REASONS FOR LOSING MONEY 4

CHAPTER 2 ARTIFICIAL INTELLIGENCE 2.1 THE HISTORY OF AI 5 2.2 THE ERA OF DEEP LEARNING 6 2.3 GAMES FOR AI VS HUMAN 7

CHAPTER 3 AINANCE INTRODUCTION 3.1 WHAT’S AINANCE? 8 3.2 OPERATION MODEL 9 3.3 CHARGING MECHANISM 10 3.4 REWARD MECHANISM 10 3.5 AINANCE VS QUANTITATIVE COMPANY 11 3.6 ZERO-RISK GUARANTEE 12

CHAPTER 4 TOKENOMICS 4.1 INTRODUCTION OF AIN 13 4.2 USAGE OF AIN 13 4.3 OFFICIAL PRICE 13 4.4 DISTRIBUTION PROPORTION 13 4.5 RELEASE MECHANISM FOR TEAM 13 4.6 RELEASE MECHANISM FOR FOUNDATION 14 4.7 RELEASE MECHANISM FOR PUBLIC SALE 14 4.8 DESTRUCTION MECHANISM 16 4.9 FEATURES OF TOKENOMICS 16

CHAPTER 5 FOUNDING TEAM 18

“Bitcoin was worth less $0.01 per BTC when it was created. Nine years later, BTC values traded close to $20,000 per BTC in USD,

then plummeted 80%. Only experienced market traders can understand this level of market bloodshed.

Back in 1944, at the end of World War II, the United States relied on its military superiority and naval forces to become the master of the world order. The U.S. has established financial hegemony with 44 nations and founded the United Nations; the Bretton woods system, which established the centrality of the US dollar in the postwar international monetary system. The US dollar has become the " equivalent " of gold; the United States have undertaken the obligation to exchange $35 an ounce for gold, and the US dollar has played the role of the world currency.

However, with the rapid growth of the economy and limited gold production, the United States had insufficient gold reserves to bring more monetary gains to the modern financial system. The dollar-pegged to gold finally ended in 1971, and the international currency changed from a fixed rate to a floating rate.

However, because the dollar's position as the world currency has long become an international consensus, the dollar's hegemonic position cannot

be shaken. It also posed a big problem: the dollar got off the gold standard, and America went on printing cash.

Such actions have greatly harmed the interests of other countries, and the inflationary pressure has been shared among all countries that hold US dollars. This unfair system forces other countries to issue additional currency leading to more inflation.

In 2008, the Lehman Brothers bankruptcy, the sub-loan crisis triggered a global financial crisis, devouring countless people's wealth and future. In January 2008 alone, $5.2 trillion in market capitalization evaporated from global stock markets. Countless investors lost everything. There are doubts about the irreparable consequences of a dollar-denominated monetary system in which even the world's most sophisticated financial system could collapse in an instant.

So could there then be an alternative system?

In Bitcoin’s white paper, Satoshi Nakamoto described Bitcoin as an electronic cash system implemented entirely through point-to-point technology. It enables online payment to be initiated directly by one party and paid to the other party without any financial institutions.

At this time, he may not have realized that he has opened a Pandora's box and unfolded a new era.

1.1 The origin of Bitcoin

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Chapter 1 Preface Summary

On May 22 , 2010 , a programmer named Laszlo Hanyecz f rom Flor ida posted on the Bitcoin-talk f o r u m t h a t h e c o u l d

exchange 10000 bitcoins for several pizzas. Unexpectedly, he made a deal with a netizen named Jercos.

Throughout the history of bitcoin, this transaction can be called a milestone. Looking back now, these pieces of pizza may be the most expensive pizza in

the world, not one of them.

At that time, the price of the pizza w a s a b o u t $ 2 5 . Today, the current m a r k e t v a l u e o f

bitcoin used to pay for the two pizzas has risen to over $100 million. After that transaction, the annual May 22nd became the "Bitcoin pizza day", and the first exchange of coins is quite memorable.

The year 2010 was a pivotal year for bitcoin, which the first 2 bitcoin exchanges were named “Bitcoin market “ and “Mt.Gox”. As of November 2010, Bitcoin's market capitalization topped $1 million for the first time.

As time went on, and more people became familiar with the story, Bitcoin has been rising steadily from a mere 1 cent. In February 2011, an important milestone occurred: 1 Bitcoin was first valued at $1.

The media observed the change of sentiment for Bitcoin. Time magazine published an article about Bitcoin for the first time. However, another article by Gawker in the same year introduced the famous website Silk Road in dark web in detail. The article highlighted all kinds of dark drug-related and weapon-related transactions; the article drew special attention to bitcoin being used for payment because of its anonymity and untraceability.

The publicity from these media articles has led to the constant frenzy in people’s discussions about bitcoin. By June, bitcoin was worth more than $30. Not long after, Mt. Gox had a serious security vulnerability, which led to thousands of accounts being hacked, and the price per BTC fell back to $10.

The price of Bitcoin has been producing a huge shock. However, with many financial storms sweeping the world, wars breaking out in the world, and political turmoil, more and more investors tend to use crypto-currency as an important means of asset hedging in the turbulent political and economic situations.

As the output of Bitcoin is halved every four years, and more and more people participate in Bitcoin investment, the consensus is growing. Although the price of bitcoin has been repeatedly up and down, the trend is upwards. By February 2020, the unit price of Bitcoin has exceeded 10,000 US dollars.

1.2 The growth of Bitcoin

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Chapter 1 Preface Summary

Early investors in Bitcoin have become billionaires, but looking at the whole industry, people who really make money from bitcoin

investment are very rare.

On February 28, 2014, Mt. Gox, the world's largest bitcoin exchange operator, announced that because bitcoin on the trading platform had been stolen, he applied to the Tokyo District Court for bankruptcy protection on the same day. And his bankruptcy application has been accepted soon.

According to Mt. Gox's announcement, in early February 2014, after the trading platform was attacked by the hackers, almost all Bitcoins on the platform disappeared, including about 750,000 bitcoins in the user's trading account and about 100,000 bitcoins held by Mt. Gox himself. This is known as "Mentougou incident”.

According to the trading situation at that time, the loss was about 467 million US dollars. If it were the current price, the loss was as high as 7.5 billion US dollars. Many early bitcoin investors left the industry angrily. The price of bitcoin kept falling during more than a year, more people were discouraged and suffered from the carnage.

From 2014 to 2016, the bitcoin market continued to be subdued. The digital currency market was less frequently disturbed by external interference, the number of new investors continued to decrease, and

there was no room for growth. In August 2015, the price of a single bitcoin fell to $200.

In 2017, when the ICO of Ethereum was sought after by the market, new projects and investors in the blockchain industry poured into the market. Bitcoin is the most representative of the blockchain industry, and the price also helped. By 2018, bitcoin price reached a new high, approaching the $20000 mark. Then the price of bitcoin fell rapidly and started the long way of a bear market. During this period, there were countless people who were used to the craziness of the previous year; from the sudden wealth to the lack of all investors.

In various speculation forums or telegram chat groups, 90% of the speculators said that they were losing money in investing in digital currency. According to the data of main exchanges counted by CoinMarketCap, the breaking rate of new currency after 2018 was as high as 94%, which was enough to shock people.

1.3 Investors' sadness

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Chapter 1 Preface Summary

As ment ioned in the previous section, only a very small number of people has made huge profits by buying bitcoin early and holding it for a

long time. More early participants either sell when they are satisfied with the increase or cut their losses in the long bear market. In the crypto market of the past two years, all people are almost on the same line. In this zero-sum game, some people will make money and others will lose money. Why is the vast majority losing money? The best analogy may be found in sports. Professional players are paid to play the game while others have to spend to play or even just watch the same game. For a particular group, profit is made. While spectators, ie the consumers, pay to somehow participate. With the gradual maturity of the blockchain industry, professional institutions are also entering the market. Amateurs and spectators can be likened to hobbyists. If you regard stock investment as a hobby, then money is expected to be spent instead of being made. Profit is made by those who are best in the game.

Secondly, most investors invest in the crypto market with the speculative get-rich-quick psychology. They don't take the time to learn the professional knowledge of the secondary market at all. More importantly, they follow others' recommendations and even believe the rumors and speculations in the market and likely would buy the whole stock. This is a formula for loss.

Many amateur investors are overconfident when buying, but excessively panic after buying. When the price of coin rises, the greed of human nature will be revealed. There are profits not to be thrown away to earn more, or even to chase after the high to buy. There are ambitions to earn hundreds of millions. When price falls, they become irrational. When they should close the position, they will do the opposite. On the contrary, the lower it is, the more it will be compensated. Few months later, the mentality will collapse.

Others would always think that bitcoin is rising too slowly. They hope that a too-good-to-be-true coin can make themselves rich overnight. As a result, a few people make money. But most too-good-to-be-true coins either run away from the project party or are almost cut to zero, which leads to the lack of money to make up for the loss of the principal.

Summing up the above issues, all the reasons for the loss of money are actually attributed to the weaknesses of human nature: laziness, chasing after the rise rather than killing the fall, falling more and more, greed, believing in rumors, fragile mentality, anxiety, impatience, existence of fluke and so on. These reasons a r e d i f f i c u l t f o r o r d i n a r y blockchain investors to overcome, so most investors are losing money in the secondary market.

1.4 The reasons for losing money

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Chapter 1 Preface Summary

The prev ious sec t ion summarized the reasons why most investors in the crypto market lose money, most of which came from the weaknesses of human

nature. If they are not very experienced professional traders, they usually can’t overcome the associated challenges.

We believe that the application of Artificial Intelligence (AI) to the secondary market is the best solution for these individual investors. Let's first look at the history and development process of AI.

The development of artificial intelligence has experienced a long history of accumulation. As early as 1950, Alan Turing proposed a Turing testing machine - to put people and machines in a small dark room and talk with people outside. The concept - If people outside the room can't tell whether the interlocutor is a human or a machine, then this machine has the same intelligence as a human.

At the Dartmouth conference in 1956, the concept of "Artificial Intelligence" was put forward for the first time. In the following ten years, artificial intelligence ushered in the first small peak in the history of development. Researchers swarmed in and made a number of remarkable achievements. For example, in 1959, the first industrial robot was born; in 1964, the first chat robot was also born.

However, due to the serious lack of computing power at that time, in the 1970s, artificial intelligence

ushered in the first cold winter. In the early days, most of the artificial intelligence implemented specific problems through fixed instructions and did not have the real ability to learn and think. Once the problems become complex, the artificial intelligence program will be overwhelmed and become unintelligent.

In 1980, Carnegie Mellon University designed the first expert system XCON. The expert system has a powerful knowledge base and reasoning ability, which can simulate human experts to solve specific domain problems.

From then on, machine learning began to rise, and various expert systems began to be widely used. Unfortunately, with the wide application of an expert system, the problems were gradually exposed. The application of an expert system was limited, and it often made mistakes in common sense problems, so artificial intelligence ushered in the second cold winter. In 2006, Professor Li Feifei realized that experts and scholars ignored the importance of "data" in the process of algorithm research, so he began to take the lead in building a large-scale image data set - ImageNet, which opened the image recognition competition.

In the same year, due to the continuous development of artificial neural networks, the concept of "deep learning" was put forward. After that, the deep neural network and the convolutional neural network began to have more attention. The development of deep learning has set off a new wave of non-stop artificial intelligence research.

2.1 The history of AI

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Chapter 2 Artificial Intelligence

Since its birth, machine learning has experienced considerable development; and now it has been applied to a wide range of fields, including data mining, compute r v i s ion , na tu ra l

language processing, biometric recognition, search engine, medical diagnosis, detection of credit card fraud, securities market analysis, DNA sequence sequencing, voice and handwriting recognition, strategic games, artistic creation, robots, etc. We pay special attention to the future development trends of machine learning and deep learning.

In the early stage, due to the limitation of machines’ computing power, machine learning was in a slow development trajectory. People paid more attention to the ability of logical reasoning and the knowledge summarized by human beings. However, with the development of computer hardware, especially the application of GPU in machine learning, the computer can learn all kinds of data features from massive data, so as to complete all kinds of basic tasks assigned to it.

At this time, deep learning began to achieve great success in voice, image and other fields. Various deep learning networks emerge endlessly, and the accuracy of completing related tasks is also constantly improving. At the same time, the deep learning neural network is advancing in the direction of deeper depth and more ingenious and complex structure. The research and application of GPU are also advancing rapidly along with the continuous improvement of the requirement of a neural network

for computing power.

In 2012, in order to make full use of the computing power of multiple GPUs, AlexNet innovatively designed the deep neural network into two parts, so that the network can be trained on two GPUs.

In 2013, ZFNet further solved the problem of Feature Map visualization and advanced the understanding of the deep neural networks. In 2014, VGGNet achieved higher accuracy by further increasing the depth of the network; in the same year, the invention of GoogleNet used the Inception Model, which further improved the accuracy. In 2015, ResNet developed the idea of repeating modules at a deeper level, thus gaining the resolution beyond the human level. At this time, due to the deepening of the number of layers of the deep neural network, the parameters that need to be trained are too large. In order to reduce the number of parameters that need to be trained without sacrificing accuracy, DenceNet came into being in 2017.

People gradually realized that developing a new neural network structure was getting increasingly time-consuming and laborious. Why not let the machine create a new neural networks while in the process of continuous learning? Since then, artificial intelligence has been further developed. People began to explore how to use the existing machine learning knowledge and neural network framework to let artificial intelligence independently build a network suitable for business scenarios. Another door of artificial intelligence has been opened.

2.2 The era of deep learning

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Chapter 2 Artificial Intelligence

In March 2016, Sina sports and other media broadcast live the fifth chess match between Li Shishi and AlphaGo. The vast majority of people in the Go industry and researchers in the

artificial intelligence industry did not expect that the Go game will make a qualitative breakthrough in such a short period of time - the computer has achieved in two years something that may take 20 years to achieve, which was extraordinary.

Before AlphaGo appeared, the experts in the Go field basically had the same evaluation on the chess ability of the Go software. Most of them thought that the best computer program could compete with amateur masters, but there was an essential difference between AlphaGo and professional players. It's deep learning that changes everything. AlphaGo, which uses deep learning and Monte Carlo search, was destined to be written into history.

From the perspective of artificial intelligence technology, AlphaGo uses algorithms that are widely used in the field of AI: deep learning, Monte Carlo algorithm, enhanced learning, etc. It can be said that the deep learning technology related to machine vision, including the environment decision feedback intelligent system, has the shadow of AlphaGo in it. Of course, the direct code implementation level certainly has no such direct borrowing relationship as copy and paste, because AlphaGo‘s deep learning model is built around the characteristics of the Go game after all.

In Go game, chess and other games, artificial intelligence can get all the information on the board before making decisions like human players. This kind of restriction rule can obtain all information game at any time. We can call it "complete information game". In Texas poker, artificial intelligence and human players usually can't get all the information about the game at a certain time. For example, in Texas poker, you don't know what the opponent's base card is, and you don't know what the next card issued by the dealer is. In this kind of "incomplete information game", artificial intelligence, like people, must guess the possibility of the opponent's base card and the next card based on experience or probability statistical knowledge; and then formulate its own response strategy.

In January 2017, Professor Tuomas Sandholm from Carnegie Mellon University came back with a new version of the Texas poker program called Libratus and then competed with the river casino in Pittsburgh. In the man-machine war in the field of Texas poker, artificial intelligence won the best of Dodd's top players.

It can be seen that the progress of artificial intelligence technology has occupied an absolute advantage in the game with people. In the fight between people in the secondary market, artificial intelligence will play a very important role one day.

2.3 Games for AI vs Human

Chapter 2 Artificial Intelligence

Page 7

Ainance.io is a professional Ai technology company. Its founding team cons is ts of successfu l entrepreneurs of blockchain, former executives from Wall Street investment bank Merrill Lynch,

Pratt&Whitney, Goldman Sachs, senior secondary market experts and AI and deep learning expert group.

As we all know, the price change of the secondary market is affected by factors such as the price of the business order, the depth of the transaction and so on. With these data, professional investors can use various technical indicators to analyze. However, these technical indicators are not only numerous; a highly professional financial knowledge is also needed to read them. On bitcoin's K-line chart alone, there are at least 256 kinds of technical indicators. No one can fully understand what each indicator represents, not even a senior secondary market trader can do it.

At the same time, none of these technical indicators can meet all situations. If investors look at several commonly used indicators, they are likely to encounter the situation that the indicators give wrong instructions. Under what circumstances and which indicators can provide more accurate decision support? This is a rule to follow, but the rule will be extremely complex in an ever-changing market environment, and there is no simple formula to calculate. The in-depth learning of AI and artificial neural network are very important for the self-learning, self-induction, self-summary and self-

optimization of these complex rules.In addition, artificial intelligence will not have human weaknesses such as greed, impatience, laziness, poor pressure resistance, and will not be affected by the entry price or yield. It will make the most intelligent decision with objective technical analysis and various factors of market changes, and it will not miss the excellent entry and exit opportunities. It will work 24 hours a day, every day.

Ainance.io makes full use of the team's rich secondary market experience and trading strategy, coupled with the latest deep learning of artificial intelligence, to build trading robots which can automatically trade profits, and is committed to providing a safer, more convenient and higher ROI and financing platform for crypto investors.

The team combines the price and trading volume of bitcoin since 2017 with hundreds of selected technical indicators. After months of in-depth learning and optimization, from the previous prediction data, the accuracy of Ainance's prediction of bitcoin trend is more than 90%, the yield of a simulated single order is more than 20%, and the highest is 49.2%. The performance is satisfactory. The AI robots developed by the team are divided into "Ms Long" who is good at long sale and "Mr. Short" who is good at short sale. On average, they come in and out again in 1-2 days. At the same time, every single profit is between 0.05% and 2.5%. Although each profit is not much, the cumulative performance will be very satisfied by most individual investors in every single month.

2.3 What’s Ainance?

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Chapter 3 Ainance Introduction

Ainance team has successful and complete experience in blockchain entrepreneurship. The team knows that making money for users who agree with the value of the platform will

win the greatest consensus, so as to make the project succeed quickly.

Therefore, we have declined the investment from several investment institutions. We know that the investment institutions will become rivals in the future market, and finally, the users who believe us will pay in the secondary market. In order to maximize the interests of community users, we decided to give the benefits to investors to the early users participating in our project. Therefore, in the early operation stage of the project, we publicly recruited 100 potential partners from the public. The rules are as follows: 1) Each potential partner should invest 2,000

USDT, and wire to account designated by Binance. After the remittance, they are invited to join the Ainance partner community;

2) 2,000U is the investment principal. After the initial 200K U pool is ready, AI begins to auto-trade Bitcoin. If the monthly profit is more than 5%, only 21% profit sharing service fee will be charged for the profit part (30% will be charged to the general members in the future, 9% of which will be awarded to the recommender). If the monthly profit is less than 5%, no fee will be charged. If the loss is in the current month, the platform will provide an equal amount of AIN

coin compensation, and the price will be calculated at 20% of the public offering price;

3) From the second month, for each recommended person in the current month, user can invest more 2,000U. If the first 10 potential partners meet the requirements of more than 10 direct recommenders and the total amount of funds in the recommender network is more than 500K U, they will be upgraded to “Partners” and additionally enjoy 1% of the total amount of service fees in the recommender network for life;

4) 30% of the profit share of the recommended person will be charged, of which 30% (9%) will be rewarded to the direct recommender;

5) Once a month, the transaction records of the exchange's trading account are disclosed to all prospective partners, and the income of the recommender and the partner's dividend are also settled at the same time;

6) Ainance will issue platform coin AIN within one month after the project is launched to deduct service fee. Please refer to Chapter 4 for details;

7) The potential partner has the voting right of the foundation's investment project and enjoys the investment income. Please refer to section 4.4 for details;

8) The partners have the right to participate in the equity investment of Ainance in the future with the same conditions as the same round of institutional investors.

In short, Ainance provides the best condition to these 100 potential partners, and invites them to participate in and observe the performance of artificial intelligence.

3.2 Operation model

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Chapter 3 Ainance Introduction

Ainance.io has its own profit model to cover the cost of team operation, hardware, servers, network and continuous R&D, so it has a reasonable charging mechanism while providing

satisfactory services to users.

All users' fees in Ainance will be settled at PM 6:00 on the last day of each month in Singapore time (GMT + 8) according to each users' profits. Ainance charges 30% as platform service fee of users' profit in the current month. However, if the profit rate of the current month is less than 5%, the platform will exempt the service fee.

Ainance has a policy of limiting the amount of investment for users. When each user first registers for the platform, there is only 2,000U of investment. If you want to increase the investment, you need to invite users, so that the platform dividend can be shared with more currency circle investment users. There are a few users who are reluctant to introduce users, but want to invest more funds. For the part of such users beyond the normal investment quota, the platform will charge an additional 2% management fee every month. Similarly, if the monthly profit rate is less than 10%, this part of the fee will be exempted. The platform coin AIN with the same amount of pledge and excess quota can also be exempted from this fee.

This mechanism can make all kind of users on the platform fair enough.

Ainance also designed a series of incentive reward mechanisms to further maximize the investment of users.

As mentioned in the previous chapter, after each friend is successfully invited to invest 2,000U to the pool, the user can obtain an additional 2,000U investment limit, and the invited friend pays the profit service fee of the platform each month, Ainance rewards the recommender directly with USDT or AIN for 30% of the service fee. For example, user a recommends user B and user C, each of which invests a principal of 2,000U. If the current month's revenue is 15% and each user makes a profit of 300U, 30% of which is charged by the platform as the platform service fee, i.e. 90U, and 30% of which, i.e. 27U is obtained by the recommender, i.e. user a gains an additional 54U, i.e. 2.7% on the basis of its own principal revenue.

In addition, for first 100 potential partners, if the first 10 meet the requirements of 10 or more direct recommenders and the total amount of capital in the recommender network is greater than 500K U, they will be upgraded to “partners” and enjoy 1% of the total amount of service fee in the recommender network for life;

Ainance encourages users to recommend opportunities for making money to more friends. Please remember that your rewards come from the platform service fee paid because your friends make money, rather than from the principal of them, which is essentially different from any “Ponzi”.

3.3 Charging mechanism

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Chapter 3 Ainance Introduction

3.4 Reward mechanism

It is believed that when someone first know Ainance, they would think that our service is very similar to the quantitative company, but in fact, it is very different.

First of all, different users are positioned. The vast majority of customers served by quantitative institutions are large ones with large investment principal. On the Ainance platform, users only need to invest 2,000U to participate in the investment. We are more inclined to serve a large number of small and medium-sized individual investors and let more people share the dividends brought by artificial intelligence technology.

Secondly, the quantitative companies are operated by people. Generally, these operators will not contact customers externally. So who is the operator, whether the background and experience are the same as the description of the salesperson, and whether there is a change in personnel midway? Most of the time, the customer is not clear, and the sales staff of the quantitative organization shows the account with the best performance to the new users. This is also the reason why many large users lose money in the quantitative organization. Despite this, there are still many new users who give money to these quantitative organizations.

What Ainance advocates is the principle of transparency, excluding all possible loss of user principal due to human error, and greatly saving the cost of trading.

Therefore, in terms of fees, 30% of Ainance's fees are more reasonable than that of all quantitative companies when they charge 40-60% of customers' profits.

3.5 Ainance VS quantitative company

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Chapter 3 Ainance Introduction

I n o rd e r t o p ro t e c t t h e investment risk of investors, Ainance has the following provisions from the perspective of capital security and income security:

For user’s capital security, Ainance only cooperates with the first class exchanges, and sets the first capital pool in Binance exchanges, and later possibly sets more pools in Huobi, OKex or Gate.

The capital pool is completely transparent to all users, and Ainance will publish the account and transaction details in the community every day; Ainance has signed an agreement with Binance exchange that the monthly withdrawal shall be done in the 5th day of every month to handle the application for last month, and not exceed 10% of the total amount of the capital pool (that is to say, the total amount of withdrawal applications of all users shall not exceed 10% of the total amount of capital pool, otherwise it will be postponed to the next month for processing), and provide detailed statements to all platform users at the end of the month for reconciliation. This effectively gives users high transparency and improves the supervision and withdrawal constraints on the platform, avoiding the possibility of the platform stealing all the money from the pool.

In terms of income security, Ainance will provide users with a bottom line. When settling accounts at the end of each month, if there is an investment loss in the user's principal, Ainance will compensate the

equivalent platform coin (described in detail in the next chapter), so as to ensure zero risk of user investment.

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Chapter 3 Ainance Introduction

3.6 Zero-Risk Guarantee

Ainance platform issues platform coin named AIN. The to ta l amoun t o f issuance is constant at 10 billion, which not only

guarantees that no additional issuance will occur but also has a release, destruction and price mechanism linked to market demand. In the early stage, it is ERC20 on Ethereum. With the improvement of users' privacy protection requirements, it will choose the first-class privacy public chain to issue a private AIN coin replacing ERC20 to protect the privacy of users' assets and of transactions.

As the platform coin of Ainance, AIN can be used to pay for platform service

fees and management fees.

Each user's investment profit in the current month, 30% of which is charged by Ainance as the platform service fee, which can be paid in platform coin. For the management fee generated by the investment amount exceeding the investment limit (Please check details in Section 3.3), it can also be paid in AIN.

So what price does AIN deduct the service fee? Ainance gives the price for every 24 hours to deduct,

which we call "official price" for short, and the calculation formula is as follows:

The initial deduction price for platform operation is 0.01U. With the expansion of the total amount of USDT in the capital pool and the good performance of the monthly profit rate of AI, the deducted price will rise steadily to a certain extent, and users who buy in the earlier stage will benefit more from it.

The distribution proportion is as follows:

For the part of the team and equity investors, the initial release is 10%, and then every 10% will be released if t he month l y p ro f i t margin of the fund pool exceeds 25%; if it is less than 25% but higher than 15%, 5% will be released until the release is completed.

4.1 Introduction of AIN

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Chapter 4 Tokenomics

4.2 Usage of AIN

4.3 Official price

4.4 Distribution proportion

Percent Qty Distribution description

60% 6 Billion Public sale

20% 2 Billion Foundation, reward eco system

20% 2 Billion Founding team & Equity investors

4.5 Release mechanism for team

& equity investors

The AIN currency held by the foundation is only used for i n v e s t m e n t i n e x c e l l e n t blockchain projects related to Ainance ecology. The percent of AIN used for investment of each year is no more than 20%

of AIN owned by the foundation. The source of the project can be provided by all platform users. Finally, the first 100 users vote, and only 2/3 of them can invest.

10% of the investment income is awarded to the project introducer, 40% to Ainance foundation, and the other 50% to all the prospective partner users who participate in the voting.

The public issuance of AIN currency is divided into two p a r t s : p l a t f o r m b i d d i n g issuance and exchange public issuance, which follow two principles: Demand exceeds supply, and price and value

anchoring.

Platform bidding

It refers to that Ainance provides users with a price lower than the official price on the platform (please refer to chapter 4.3 for the deductible price) for limited auction.

The official price is updated every 24 hours, and the calculation formula is shown in Section 4.3. In these

24 hours, users can bid within the range given by the platform, and the bidding range is 0.6x official price to 1x discount price range. The platform will automatically select the most useful users within 50% of the highest bidding price to clinch a deal (for example, when the number of bidders is 101, select the top 50 of the highest bidding price, if the 50th is the same as the 51th bid, and the user with earlier bid time will be selected in chronological order to clinch a deal), and each use will purchase the bid price.The quantity of AIN purchased by each person is divided according to the proportion of the investment amount of this user in the capital pool in the total amount of successful users. The specific calculation formula is as follows:

Among them, the total investment of the user is the number of USDT after the total investment of the user minus the total withdrawal, excluding the over-investment above the quota for the users.

And the total AIN quantity for auction of each day released by the platform is also accurately calculated to ensure that the supply is not greater than the demand as much as possible. The calculation formula is as follows: “Days” are how many days in current month. Capital pool for yesterday is USDTs in the pool.

4.6 Release mechanism for foundation

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Chapter 4 Tokenomics

4.7 Release mechanism for public sale

Public sale on exchanges

AIN will public sale at a suitable time in multiple exchanges, including direct listing or IEO. The price on the exchange is determined by the secondary market, with the real-time official price of Ainance platform as the value basis reference, which eventually leads to the market price and the value trend generated by Ainance technology consistent.

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Chapter 4 Tokenomics

Ainance has a mature profit model and the logic of token appreciation, so it does not rely on the destruct ion mechanism to enhance the value of AIN currency.

In the daily auction share of the platform, if there is no auction, all the coins released on that day will be destroyed automatically. In addition, 30% of the AIN obtained from the service fee and management fee of the current quarter will be destroyed, and the destruction record will be released as soon as possible.

Ainance's tokenomics are unique innovations, dedicated to making the value generated by platform AI technology more direct ly ref lect the change of coin price. This u n i q u e a n d i n n o v a t i v e

tokenomics has the following features:

The project value is simple and clear If the users who have experience in blockchain secondary market know that they are most concerned about the good and bad news of the project, it is very difficult to quantify the value of the technical achievements of the blockchain project. The value generated by Ainance's technology is very simple, clear, easy to obtain and understand. When the return rate of AI trading is higher than the user's expectation, and there are users recharging

constantly to increase the scale of the capital pool, it is good; On the contrary, it is bad.

Market price linked to the real value The AIN price in exchanges will be affected by the official price of the Ainance, so as to avoid the existence of market manipulation such as malicious pulling price by the dealer and then harvesting other investors, or malicious short sale.

When the market price is lower than official price, users can have the interest margin to buy. On the contrary, when the market price is higher than the official price, users can also sell at a high level.

In this way, the final market price of AIN will be linked to its real value, only floating in a reasonable region, and rising steadily with the steady development of the platform.

Ainance users gain advantages than other users in the secondary market The official price of AIN in the platform is the most real value reflection. With the expansion of the capital pool, the performance of AI investment returns and other factors, the official price will also change dynamically. The platform users of Ainance are the most intuitive users to get this data.

Therefore, if the price in the secondary market is expensive or cheap, the platform users will get more real-time first-hand information than other general AIN investors, so that Ainance users will gain greater market advantages in the secondary market.

4.8 Destruction mechanism

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Chapter 4 Tokenomics

4.9 Features of Tokenomics

Convert the speculators into platform users Although the IEO rules of each exchange are different, the essence is to let exchange users buy new coins at a price cheaper than the market price so that the project can obtain more holders. The problem caused by such a problem is that many people will not participate in the follow-up investment of the project after they get a relatively high return at the initial stage of the project IEO, and they are not likely to become users of the project or make continuous contributions to the project.

The project of Ainance is closely related to all investors. As an Ainance user, it will let them know the performance of the platform and real-time AIN official price with the better decision-making support of secondary market trading. That will greatly improve the conversion rate of the platform users.

Easier to contribute to the project In addition to the recommended rewards given by Ainance for each user (refer to Section 3.4), users' contributions to the platform can also be more directly reflected in the AIN price. The growth of the platform and more users' access for investment will have a direct effect on AIN official price and the value of their own AIN. This is more direct than the effect of preaching and promoting Ainance than other blockchain projects.

Follow the principle of fairness In Ainance's Tokenomics, the principle of fairness is followed in many ways: 1) When the platform is bidding for AIN, users who are more willing to invest time in bidding every day

can buy more AIN; and 50% of users who bid high can clinch a deal at their own satisfactory price; 2) Users who are willing to recommend users to win a higher investment limit and pay less cost than those who are not willing to recommend users to exceed the investment limit; Users with more investment have a higher return than those with less investment; 3) "The early bird has the worm to eat", the earlier the user involved in the purchase of AIN coins, the lower the cost they have; 4) The users who participate in the platform investment have a greater competitive advantage in the secondary market than the users who do not participate in the investment.

For conclusion, Ainance's innovative tokenomics gives all investors a fair and stable income model, while guiding users to make more contributions to the platform. Then Ainance has a mature and explosive profit model so that the platform can grow healthily and stably. This is what the blockchain project should have looked like.

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Chapter 4 Tokenomics

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Chapter 5 Founding TeamCo-Founder Alan Chung

Alan graduated from Columbia University in N e w Y o r k , U S A , majored in f inance, Ch inese Amer i can ,

worked on Wall Street for more than ten years, successively worked in Paine Webber and Merrill Lynch, trading billions of dollars in futures, stock market and foreign exchange, and later founded high-tech companies like Digiweb, Mijanda and E-commerce company Modern Tailor. He participated in the mining of blockchain since 2015 and set up mining factories in China, Kazakhstan, Iran, etc. At the same time, he successfully participated in the secondary market of multiple blockchain projects.

Co-Founder Robert B.

Robert graduated from the computer major of Shanghai University, He h a s i n d e p e n d e n t l y developed the world’s first meta search engine, which analyzed and indexed the big data of the world's

four search engines at the same time, and then worked for Lycos on the development of Lycos search engine. He proficient in big data and artificial intelligence underlying algorithm; after that, he jointly founded the business social network Apsense, and entered the

traditional investment industry in 2014, and served as group vice president of Pegasus investment group. In the first half of year 2018, he entered the blockchain industry to establish Super Zero (SERO) which is the world’s first privacy coin supporting Turing complete smart contract, and also the world’s first platform allows developers to issue privacy coins. SERO had a great success and listed in more than 30 exchanges so far, and achieved good market performance and enthusiasm.

Co-Founder Emily T.

Emily graduated from Birmingham University and London Business School in the UK, Chinese American. She was responsible for M&A in GE Capital, and later served as CEO of National Land Reserve Bank of Canada in China and vice president of Deutsche Bank in Hong

Kong. After her job hopping from Deutsche Bank, she has been promoted to executive director of Goldman Sachs in Asia Pacific Region, and was airborne to Shanghai as executive director and executive director of East China region. After that, she joined venture capital and PE and became the manager of three venture capital and PE funds.

Disclaimers

This document is only used to convey information, and does not constitute an opinion on the purchase and sale of Ainance shares or securities. Any similar proposal or levy will be made under a trustworthy term and permitted by applicable securities law and other relevant laws. The above information or analysis does not constitute an investment decision or specific proposal. This document does not constitute any investment advice, intention or solicitation in the form of securities. This document does not constitute or understand to provide any trading behavior, or any invitation to buy or sell any form of securities, nor any form of contract or commitment.

Ainance clearly indicates that relevant intended users clearly understand the risks of Ainance platform. Once investors participate in the investment, they will understand and accept the risks of the project, and are willing to bear all the corresponding results or consequences.

Ainance expressly disclaims any direct or indirect losses caused by its participation in the project, including:

1. Economic loss caused by user's transaction operation 2. Any error, negligence or inaccurate information caused by personal understanding; 3. Loss caused by individual's transaction of various blockchain assets and any resulting behavior. The Ainance token, or "AIN coin," is an encrypted token used by the Ainance platform.

AIN has a certain logic of appreciation, but we can't guarantee that AIN will definitely increase in value. In some cases, it may also decrease. People who don't use AIN correctly may lose the right to use, or even their AIN. Risk Tips

We are committed to putting user funds on the world's safest and most well-known large exchanges, and subject to public supervision. However, there is no absolute 100% secure exchanges in the world. For example, Ainance does not promise to be responsible for all kinds of losses caused by force majeure such as the collapse of the exchange. We are committed to do everything possible to ensure the safety of users' investment.

Risk Tips and Disclaimers

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