Decentralized Finance Global Smart AMM DEX Protocol

Whitepaper

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Abstract

EIFI Finance presents a scalable, fully decentralized platform for exchanging tokens in a peer-peer and
trustless manner. It enables high-frequency trading, high liquidity, and lightning-fast transaction speed
for supporting DeFi applications.

The EIFI Finance platform requires a native platform Token in order to provide decentralized
governance, to incentivize users of the platform and to power future smart contract functionality. This
native platform Token, called EIFI, is designed to provide maximum flexibility for development and usage.
This document outlines the specific functions and the economic model for EIFI Finance.

EIFI Finance is an AMM DEX protocol for the decentralised exchange of shares of Tokenized Vaults. It
achieves this through the creation of a Layer 2 Blockchain where users can trustlessly swap accounts &
assets from multiple Layer 1 Blockchains including Ethereum, and 2nd Binance Smart Chain. EIFI Finance
AMM Dex simplifies yield farming and reduces its costs for users, without sacrificing decentralisation or
self-custody. By allowing the trust less trading of cognized yields, it also introduces greater liquidity and
other novel attractive properties. With EIFI Finance AMM Dex, cryptocurrency holders can benefit from
passive income without the demands of active portfolio management, whilst active DeFi portfolio
managers can trustlessly trade on behalf of users and generate profits without friction or high transaction
fees.

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1. Introduction

FIFI Finance uses the substrate Blockchain Framework which allows anyone to create application-specific
blockchain without worrying about the technicality of block production and consensus. It enables us to
create a dedicated blockchain for decentralized exchange, which is purpose-built and configured to
optimize the performance of DEXs. Previously Ethereum Smart Contracts allowed the creation of Defi
services, but it is limited in computational resources required for the proper functioning of DEXs. It does
not scale well. It is not upgradable, and it never provided a good trading experience, even after multiple
hacks and catastrophic losses in the centralized exchanges like Mt. Gox, Bitfinex, etc. Order book based
DEXs are not gaining volume.

Limitations in computational resources led to the rise of Automated Market Making (AMM) protocols like
Uniswap. These protocols are profitable only when an arbitrage opportunity is available due to price
differences in other exchanges. AMMs require Order book based exchanges, but Order book based
exchanges do not require AMMs to function.

We believe that AMMs can supplement Order book based DEXs combined with fast execution logic, three-
second block time, custom trading bot support, and our unique feature -- On-Chain market making bots,
"AMMs inside a DEX." We present to you, EIFI Finance AMM Dex Platform.

Decentralized finance (DeFi) has shifted the way that cryptocurrency users interact with the protocol.
Instead of a novel infrastructure for processing data, Blockchain assets for the first time could enjoy
currency features like compound interest and decentralized trading. Compared to traditional financial
services, DeFi protocols gave back the asset ownership to users rather than intermediaries and created a
market that could be trusted by protocol rather than centralized entities. As one of the most mature smart
contract platforms, Ethereum currently hosts over 90% of the assets in DeFi.

2. Architecture

EIFI Finance Dex Design focuses on reducing the complexity of the chain. We believe that only those
things that need public verifiability need to be on-chain. In EIFI Finance, Order book, Trader Assets
Management, Bridge mechanism to BSC and Ethereum, and On-chain market making bots are On-Chain.
Trading features like market data aggregation, technical analysis indicators, storage and retrieval of trade
history, and all the remaining exchange related features are made off-chain. It enabled us to increase the
throughput of trades and made it comparable to the efficiency of centralized exchanges.

EIFI Finance supports two types of trades, Limit and Market Orders. Market-taking orders have a trading
fee of 0.2 percent, and market-making orders have zero trading fees. The market makers are incentivized
by giving 50 percent of collected trading fees in their trades, and the remaining 50 percent is paid to EIFI
Finance Team. Trading bots are economically impossible in smart contract-based DEXs due to high gas
prices; we solve this by using zero network fees. In short, the market makers will get an extra 0.1 percent
on their trades, and market takers pay 0.2 percent.

EIFI Finance does not collect network fees, transaction fees. The Distributed Denial of Service (DDoS)
problem associated with zero network fees can be solved if the blockchain can identify when getting
attacked and charge network fees only for those attack transactions. EIFI Finance classifies each
transaction as a good or potential DDoS attack, based on which network fees are levied from traders.
Trades are classified as potential DDoS if the execution results in,

Invalid Price/Quantity Error

Insufficient Balance
Invalid Trading Pair
Invalid Order type

Trading bots can use Market Data RPCs provided by the full nodes to retrieve market data for specific
blocks. All technical analysis of market data can be done on the trader's side or the cloud. It also enables
traders to use their custom trading algorithms and proprietary trading techniques.

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The liquidity problem of order book based DEXs is solved by having On-Chain market making bots AMMs
inside the trading engine. Traders can provide liquidity for their favorite AMM curves like constant
product AMMs. These AMMs acts like virtual market making bots hence called as On-Chain trading bots.

2.1. On-Chain market making bots

EIFI Finance solves the problem of low liquidity by having AMMs directly connected to its trading engine.
These AMMs act as On-Chain market making bots. When a trade is not matched against the EIFI Finance
order book, the EIFI Finance Engine will check if these On-Chain trading bots can make an order that will
match. The trades are executed only if a better price is provided by the On-Chain bots else it is inserted as
a market-making order in the order book. It ensures that there is no price slippage problem for traders. In
the first version, EIFI Finance will have a constant product market making bot.

More details will be updated later.

3. Background EIFI Finance

EIFI Finance was established in London in 2021. We have worked tirelessly to contribute our efforts
towards the advancement of the specialized development field of centralized and decentralized exchange
development. Our early development has led some industry experts to refer to the EIFI Finance Team as
‘pioneers’ of Crypto exchange technology. Since our launch, we have continued to learn and grow as an
organization and our once small team has grown into a far-reaching and diverse group; at present we
have Team members from nearly every continent. EIFI Finance is committed to providing professional
Crypto asset management platform and services for 1,00,000 users in over 40+ countries worldwide, with
an EIFI community of over 20,000 people in Europe, Vietnam, South Africa, USA, Russia, Korea and China.

3.1 Mission

DeFi innovation has brought many practical applications to the industry and has promoted the
development of open finance. The decentralized exchange (DEX) is a notable example that has gradually
been recognized by the market following a surge of growth and consumer participation. The Ethereum
DeFi projects’ total value of locked assets is over 60 billion USD (DeBank data). However, network
congestion and poor scalability have caused unprecedentedly high network transaction fees. This
problem is urgent and caused significant financial detriment for many. The problem lacks a proven
solution with community consensus. With the emergence of various Layer2 solutions as well as the
efforts of some side chains such as BSC and Polkadot, there are now alternative choices for retail
investors. However, transaction barriers between Blockchains will continue to limit the usage of assets
and EIFI Finance AMM Dex helps counter these limitations.

In order to provide a more efficient and simple trading method, we compare different exchanges on the
leading chains to find the most cost-effective rates for our users. Moreover, we implement a cross-chain
protocol to connect different blockchain networks and allow users to freely exchange assets without
regard to network isolation.

3.2 Features

1. Permission less, Anti-censorship: In any environment, anyone can access EIFI Finance AMM Dex
platform without permission and KYC review.
2. Liquidity Aggregation: Users can exchange assets at the lowest rate and via the most efficient
trading route — this is achieved by connecting their own decentralized wallets.
3. Cross-chain Exchange: We implement all proven and possible cross-chain solutions onto the
market with our aggregation protocol. With this, we can achieve cross-chain transactions. Users
are able to freely exchange multi-chain assets with one-click.
4. Community Drive: Based on the EIFI Finance AMM Dex Token's issuance and economic model,
decentralized governance and community-driven development will be realized.

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3.4 Current Problems

The rapidly evolving DeFi ecosystem faces the following Problems:

1. Existing DeFi instruments are too complex for the average user, requiring a large amount of specific &
up-to-date knowledge such as how to interact with pools, deposit liquidity, & mitigate impermanent loss.

2. It is difficult for users to discriminate between different DeFi projects, and evaluate the potential risks
& rewards of each. Moreover, there are multiple Blockchains that are providing infrastructure for DeFi
applications and that it is difficult to navigate across different Blockchains.

3. The DeFi space changes extremely fast, meaning portfolios require constant supervision to maximise
profits. It is hard for users to keep track of what opportunities are present or have finished (for example,
Sushi swap and Uniswap reward pools regularly change) Liquidity Provider (“LP”) and Yield farming (“YF
”) Token slack liquid markets and divisibility.

4. Ethereum transaction fees have grown increasingly high, meaning it is prohibitively expensive for
regular users to interact with yield farming opportunities and other DApps.

3.5 Solutions: Delegation as a way to increase composability

To solve the problem, EIFI Finance implemented a delegation function for user assets and created a
market place for trading these financial assets. EIFI Finance allows users on multiple Blockchains-initially
Ethereum and Binance Smart Chain-to create & control vaults on their native blockchain, which they can
transfer ownership of to third parties. This allows users to have the option to enjoy financial services
without sacrificing the ownership of their assets.

4. EIFI Finance AMM Dex Platform

EIFI Finance AMM Dex consists of three layers: the protocol and smart contracts, the layer 2 aggregation
marketplace as well as the user wallet on the top layer. By supporting multiple DeFi protocols, it offers a
simple and effective user experience for selecting asset management options. Portfolio managers could
even use these tools to design innovative fund structures and product offerings without having to deal
with the smart contract layer programming.

4.1 EIFI Finance Vault Contracts

Vault is a smart contract managing access to its funds and functionality to other blockchain agents
depending on their share ownership of the vault. Tokenization is a process of splitting ownership of a
vault between multiple agents. These vaults with multiple ownership and easy peer-to-peer
transferability (which we call ‘EIFI Finance Vaults’) enable active DeFi portfolio managers to create
specific combinations of LP, YF and other Tokens, as well as other synthetic instruments, and transfer
divisible shares of such portfolios to third parties.

As users can trade shares of EIFI Finance Vaults, rather than having to sell the constituent assets within
the vaults, EIFI Finance enables trading of assets that remain locked by staking / lending / pooling. In this
way, EIFI Finance introduces liquidity to previously illiquid assets, without forfeiting any of the rewards
or suffering any of the penalties that many projects tie to lock-up periods.

EIFI Finance Vaults can also interact with any trust less services on the Ethereum, and Binance Smart
Chain networks that are governed from specific addresses: as such, they can partake in governance and
other functions. EIFI Finance Vaults are therefore much more flexible than index funds or other asset

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baskets; instead they are akin to decentralised trading funds, with full composability with a range of
blocks in the ‘EIFI Finance DeFi Log box’.

4.2 Layer 2 Bridges and Token Swap

To minimise Ethereum gas costs and block congestion, users can use Binance Smart Chain as Layer 2
networks to transfer or trade shares in EIFI Finance Vaults, with the assets themselves anchored in the
Ethereum network. A Uniswap-style exchange, using pooled assets & automated market makers, where
users can exchange between Tokens on layer 2, without the high gas fees and transaction times of
Ethereum. In the meantime, a trust less bridge allowing the transfer of assets to and from the Layer 2
blockchain. This will either be built by the EIFI Finance team or in collaboration with additional
functionality to their existing bridges.

4.3 Layer 2 EIFI Finance Vault Marketplaces

The EIFI Finance Marketplace is where the different portfolio trading will happen, and is being built for
users to trade their shares of EIFI Finance Vaults - which can contain a mix of LP, YF and other Tokens on
the Ethereum blockchain - with no friction, intermediaries, or costly Ethereum gas fees. It will comprise
smart contracts, a regular backend and a web application to enable Users to trade shares in EIFI Finance
Vaults. Order book and matching will be done on-chain, with users signing transactions via EIFI Finance
Mask.

4.4 EIFI Mask

A Metamask-style web wallet to interact with DeFi apps through EIFI Finance Vaults. Users can interact
through this interface with the functions offered by EIFI Vaults (e.g. creating and managing Vaults, and
transferring their ownership etc.). Through EIFI Finance Mask, users will be able to manage and sign EIFI
Finance Vault transactions using Layer 2 accounts, using the same familiar Metamask-style UI.

4.5 Portfolio Rebalance

An on-chain or hybrid solution where users delegate control of their shares to the rebalancing contract,
choose a rebalancing strategy and allow their portfolio to be automatically managed on their behalf.

4.6 Governance Layer

A set of smart contracts and accompanying Web UI for users to govern protocol changes. This will include
voting on issues such as new services to be added to the ecosystem, the white listing or blacklisting of
supported DeFi projects supported etc. Users can login via EIFI Finance Mask and vote with their EIFI
Token balance.

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5. Use Cases

EIFI Finance is targeted towards two groups of users — experienced crypto traders that wish to create
portfolios and crypto asset holders that could purchase these portfolios and receive passive income.

5.1 Financial product issuance

EIFI Finance provides crypto portfolio managers with a wide range of tools to design financial products
without having to take care of technical development or end-user experience. At the vault level, EIFI
Finance could easily support popular DeFi protocols on Ethereum, Polkadot and Binance Smart Chain,
making it easy for portfolio managers to use the protocols that they are familiar with. From the user
experience perspective, once these products are designed, they could get access and volume through the
EIFI Finance Marketplace where users could delegate their assets. For example, by leveraging lending
protocols, portfolio managers could create a DeFi index fund that also generates dividends.

5.2 Delegated asset management

Currently, DeFi offers a wide variety of products for users to manage their crypto holdings ranging from
lending, liquidity protocols to derivatives. For a typical crypto investor, it is time-consuming to keep track
of the services available in the market, let alone studying and scrutinizing the mechanism of each
protocol. Compared to the ease of purchasing an investment portfolio in the fiat world, crypto is currently
still not for the mass public due to its technical entry barrier. With EIFI Finance, we want to recreate the
user experience of traditional Fintech without sacrificing the decentralized ownership of assets.

5.3 Delegated governance

As more and more protocols are decentralizing the governance process through evaluating proposals and
voting, incentive mechanisms are implemented to encourage participation in these governance processes.
Token holders could use EIFI Finance and delegate this voting power in return for Token rewards.

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6. Technical Architecture

6.1 User journey

6.2 Cross-Chain Composability

As there is multiple base layer Blockchains that offer DeFi services, we implemented cross-chain support
for Ethereum, Polkadot and Binance Smart Chain; in the future, as more public Blockchains support DeFi
applications, we could expand the support for these ecosystems as well. For Ethereum and Binance Smart
Chain, the cross-chain support is currently implemented using layer 2 protocols as a bridge. After
different vaults are generated, they will be listed on the layer 2 marketplace for trading and then
registered on the initial public chain. In the case of Polkadot, as more parachains are supporting smart
contracts, we could make use of virtual machines that are compatible with Ethereum-based smart
contracts to connect with the Binance smart chain ecosystem. Since most of the assets are issued on
Ethereum at the moment, we believe that this is the most effective way to ensure performance and cost.

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7. EIFI Token & Specifications

There is a total Token supply of 1, 50,000,000 EIFI Tokens. EIFI Finance Tokens are used for governance
of the EIFI Finance ecosystem. When a DeFi project seeks to be white listed on EIFI Finance, meaning
portfolio managers are able to add its LP/YF Tokens to EIFI Finance Vaults, threshold of EIFI Finance
Tokens need to be staked to the insurance pool as well as committed by user votes. Projects who are
interested in being traded on the platform are incentivised to acquire APY Tokens, in order to be white
listed.

Total EIFI Supply 150 Million

Token Ticker EIFI
Airdrop For ECC Community 10%
BSC Network Community 2.5%
Affiliate & Referral Commission 2.5%
Development team & Technology Partners 20%
EIFI Staking & Yield Farming 30%
Marketing & Promotions 5%
Public Sale 30%
EIFI Token Launch Price $50 - $80

7.1 EIFI Token Availability

The EIFI Token is designed to be used across multiple Blockchain networks to provide services for as
many users as possible. The following networks are expected to be the initial networks on which EIFI is
deployed

7.1.1 Ethereum Network

Ethereum is our primary network for integrating with DeFi platforms, and it is the first network for which
we have released a Token. Ethereum will be the base layer for any Token abstractions. Layer2 integration
and eventual migration to ETH2 are both part of our Ethereum development roadmap.

7.1.2 Binance Smart Chain (BSC)

BSC has gathered significant momentum in terms of both user activity and the total value locked in their
on-chain platforms. We may integrate with BSC-based DeFi platforms and release a BSC-compatible EIFI
Token.

7.2 Design Principles

The EIFI Token economic model and usage design follow a set of four general principles in order to
achieve the objectives of the platform:

7.2.1 Path to Full Decentralization

The Token must be able to be fully decentralized and 100% community-controlled upon completion of
the decentralization roadmap.

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7.2.2 Identity Credentials

The Token must be able to interact with decentralized identity credentials for use cases requiring
regulatory compliance and other identity-related use cases.

7.2.3 Interoperability

The Token should be implemented using existing concepts and technology that are interoperable with
multiple protocols.

7.2.4 Flexibility

The Token should be flexible with regard to the ability to mint and burn supply in order to create a
sustainable long term Token economic model.

7.3 Decentralized Identity

One of the primary purposes for EIFI is to make use of decentralized identity infrastructure within the
context of providing services for a DeFi platform on the Ethereum network. Identity infrastructure
support is powered by Econnect and further upgrades to the decentralized identity credentials will be
adopted as they are released by Econnect. There are two components of the EIFI Token that are
specifically related to decentralized identity:

5.4 DeFi Eligibility Credentials

In order to access the EIFI token rewards smart contract, the interacting Ethereum address is required to
be associated with a valid DeFi Eligibility credential. Addresses are added to a registry contract only after
the owner of the address has passed an identity verification process. Any addresses that attempt to
interact with the rewards contract without a credential will be blocked. This has many further potential
use cases across a wide variety of applications.

5.5 Identity Staking

To further support the value of a decentralized identity credential, a system of staking EIFI or other
Tokens is expected to be implemented. Such a system may enable further functionality, such as a method
to track user reputation and a system to arbitrate disputes. For example, users could stake a certain
amount of Tokens (EIFI or other Tokens), which will be used as a form of guaranty for their identity
claims. If users are found to be falsifying their identity claims, their stake could be slashed — in a manner
similar to how node validator in a proof-of-stake system are slashed if they misbehave. This would tie into
a reputation system in which a user's reported reputation would increase or decrease according to
multiple factors.

5.6 Insurance Pool by Token Holders

The insurance pool works to ensure that only reputable DeFi projects are available on the marketplace.
While the initial white list will be created by the development team, thereafter the decentralised
community will be responsible for managing this responsibility.

If a project is deemed to fall below the standards expected, the Tokens locked in the insurance pool would
be distributed to all of the participants who own part of its LP Tokens in EIFI Finance Vaults. Projects will
stake Tokens to propose themselves for inclusion in the white list, with Token holders voting on the

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proposal. This is re-evaluated periodically, with projects delisted when lacking sufficient community
support for inclusion.

7.7 EIFI Token for Fee Reduction

Fees (to be set by the community) are charged upon withdrawals from EIFI Finance Vaults, determined
by the share of liquidity withdrawn. EIFI Finance Tokens can be used to pay reduced fees to the portfolio
managers of EIFI Finance Vaults. Oracles are used within the EIFI Finance ecosystem to determine the
current prices of shares of the EIFI Finance Vault, and the pool of assets within them. The oracles may
receive a fee in EIFI Tokens as reward for honest reporting, with users in turn staking their Tokens to
vote for honest oracle selection. Subject to legal clarification, users may earn a revenue share after each
transaction.

7.8 Governance: Activity & Time Weighted Proof of Importance

When voting, the value of a Token’s vote will be determined not only by its numerical weight, but also by
the historic voting activity of its owner, as well as the length it has been held by the owner. This
incentivises users to participate in voting regularly, and rewards the most active members of the
community who have the most understanding of the protocol’s needs. It also incentivises long-term
participation, as long term holders will be rewarded with greater voting power.

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8.1 EIFI Aggregator Platform

System roles are divided into the following categories:

1. Users: Users connect to EIFI Finance for transacting with their crypto wallet.
2. EIFI Relayer: The agent of the user and the contract on the chain. Depending on the different
users’ needs, EIFI relayer can find the best exchange rate through EIFI Finance.
3. Swap: As the core exchange mechanism of the system, it receives users’ requests from the relayer
and achieves liquidity settlement by smart contracts.
4. Aggregator: Aggregate liquidity sources across Blockchains and determine the best trading rates
and routes for users.
5. Cross-chain Pool: The cross-chain asset transaction pool built based on the Binance Smart chain
Network protocol realizes the free exchange of assets across chains.
6. Liquidity Providers: Mainly including the following liquidity sources:

 Automated market makers of on-chain algorithms from different DEXs.

 Lp market maker who provides liquidity for Cross-chain Pool.

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9. Roadmap

Q1 2021: Proof-of-concept - We have already created and are beta-testing the EIFI Finance Vault
concept both in Ethereum and Binance Smart Chain. Much remains to be done to deliver to our users the
final vision of the marketplace where LP Tokens can be combined into portfolios, managed and freely
traded on layer 2 Blockchains whilst assets remain anchored in Ethereum.

Q2 2021: EIFI Finance Beta - Finished EIFI Finance Vaults, EIFI Mask, and the Layer 2 Bridge with our
strategic partner Chromia tailored specifically for our users, and a basic version of Layer 2 Vault trading
platform. Marketplace rules under research. Portfolio evaluation by the oracles under research, as well as
project governance based on Token staking.

Q1 2022: EIFI Finance + Governance Ecosystem; Layer 2 token trading and additional features, such as
the auto purchase of EIFI Token for paying fees.

Q2 2022: EIFI Finance automatic portfolio rebalancing

10. Platform Usages

As more EIFI platform features are released, the use cases for EIFI Tokens will increase.

10.1 Smart Contract Usage Rewards

With the development planned for proxy contracts that batch transactions together to interact with
multiple platforms, EIFI Token rewards can be accrued by credential holding accounts.

10.2 Staking for Benefits and Discounts

When purchasing a subscription to EIFI, users may stake EIFI Tokens in order to receive a substantial
discount.

11. Summary

With the further development of the DeFi ecosystem across multiple chains and protocols, EIFI will
remain committed to developing a solid Token economic model for the EIFI Token. This includes being
open to change and adopting new developments that fit our specific use cases.

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12. Disclaimers

Licences and approvals are not assured in all jurisdictions

EIFI Finance (“www.eifi.com”) intends to operate in full compliance with applicable laws and regulations
and use its best endeavours to obtain the necessary licences and approvals. Regulatory licences and/or
approvals are likely to be required in a number of relevant jurisdictions in which relevant activities may
take place. This means that the development and roll-out of all the initiatives described in this whitepaper
are not guaranteed. It is not possible to guarantee, and no person makes any representations, warranties
or assurances, that any such licences or approvals will be obtained within a particular timeframe or at all.
As such, the initiatives described in this whitepaper may not be available in certain jurisdictions, or at all.
This could require restructuring of these initiatives and/or its unavailability in all or certain respects. In
addition, the development of any initiatives is intended to be implemented in stages. During certain
stages of development, the project may rely on relationships with certain licensed third party entities. If
these entities are no longer properly licensed in the relevant jurisdiction, this will impact the ability of
www.eifi.com to rely on the services of that party.

No advice
This whitepaper does not constitute any investment advice, financial advice, trading advice or
recommendation by www.eifi.com, its affiliates, or its respective officers, directors, managers, employees,
agents, advisors or consultants on the merits of purchasing EIFI Tokens nor should it be relied upon in
connection with any other contract or purchasing decision.

Not a sale of security

This whitepaper does not constitute a prospectus or financial service offering document and is not an
offer to sell or solicitation of an offer to buy any security, investment products, regulated products or
financial instruments in any jurisdiction. EIFI Tokens are not being structured or sold as securities in
www.eifi.com. Owners of EIFI Tokens are not entitled to any rights in www.eifi.com or any of its affiliates,
including any equity, shares, units, royalties to capital, profit, returns or income in www.eifi.com or any
other company or intellectual property associated with www.eifi.com

No representations
No representations or warranties have been made to the recipient of this whitepaper or its advisers as to
the accuracy or completeness of the information, statements, opinions or matters (express or implied)
arising out of, contained in or derived from this whitepaper or any omission from this document or of any
other written or oral information or opinions provided now or in the future to any interested party or
their advisers.

The EIFI Tokens, as envisaged in this whitepaper, are under development and are being constantly
updated, including but not limited to key governance and technical features. If and when the EIFI Tokens
are completed, they may differ significantly from the description set out in this whitepaper. No
representation or warranty is given as to the achievement or reasonableness of any plans, future
projections or prospects and nothing in this document is or should be relied upon as a promise or
representation as to the future. To the fullest extent possible, all liability for any loss or damage of
whatsoever kind (whether foreseeable or not and whether or not www.eifi.com has been advised of the
possibility of such loss or damage) which may arise from any person acting on any information and
opinions contained in this whitepaper or any information which is made available in connection with any
further enquiries, notwithstanding any negligence, default or lack of care, is disclaimed.

Third party data

This whitepaper contains data and references obtained from third party sources. Whilst the management
believes that these data are accurate and reliable, they have not been subject to independent audit,
verification, or analysis by any professional legal, accounting, engineering, or financial advisors. There is
no assurance as to the accuracy, reliability or completeness of the data.

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Translations

This whitepaper and related materials are issued in English. Any translation is for reference purposes
only and is not certified by any person. No assurance can be made as to the accuracy and completeness of
any translations. If there is any inconsistency between a translation and the English version of this
whitepaper, the English version shall prevail.

Restricted transmission
This whitepaper must not be taken or transmitted to any jurisdiction where distribution or dissemination
of this whitepaper is prohibited or restricted.

Views of www.eifi.com
The views and opinions expressed in this whitepaper are those of www.eifi.com and do not reflect the
official policy or position of any government, quasi-government, authority or public body (including but
not limited to any regulatory body) in any jurisdiction. This whitepaper has not been reviewed by any
regulatory authority.

Third party references

References in this whitepaper to specific companies, networks and/or potential use cases are for
illustrative purposes only. The use of any company and/or platform names and trademarks does not
imply any affiliation with, or recommendation or endorsement of/by, any of those parties. All references
to ‘dollars’, USD or ‘$’ are references to the United States Dollars unless otherwise stated.

Graphics
All graphics included in this whitepaper are for illustrative purposes only. In particular, graphics with
price references do not translate into actual pricing information.

Risk statements
Purchasing EIFI Tokens involves substantial risk and may lead to a loss of a substantial or entire amount
of the money involved. Prior to purchasing EIFI Tokens, you should carefully assess and take into account
the risks, including those listed in any other documentation.

A purchaser should not purchase EIFI Tokens for speculative or investment purposes. Purchasers should
only purchase EIFI Tokens if they fully www.eifi.com understand the nature of the EIFI Tokens and accept
the risks inherent to the EIFI Tokens.

Cryptographic Tokens may be subject to expropriation and/or theft; hackers or other malicious groups or
organizations may attempt to interfere with our system/network in various ways, including malware
attacks, denial of service attacks, consensus-based attacks, Sybil attacks, surfing, and spoofing which may
result in the loss of your cryptographic Tokens or the loss of your ability to access or control your
cryptographic Tokens.

In such event, there may be no remedy, and holders of cryptographic Tokens are not guaranteed any
remedy, refund, or compensation. The regulatory status of cryptographic Tokens and digital assets is
currently unsettled, varies among jurisdictions and subject to significant uncertainty. It is possible that in
the future, certain laws, regulations, policies or rules relating to cryptographic Tokens, digital assets,
blockchain technology, or blockchain applications may be implemented which may directly or indirectly

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affect or restrict cryptographic Token holders’ right to acquire, own, hold, sell, convert, trade, or use
cryptographic Tokens.

The uncertainty in tax legislation relating to cryptographic Tokens and digital assets may expose
cryptographic Token holders to tax consequences associated with the use or trading of cryptographic
Token.

Digital assets and related products and services carry significant risks. Potential purchasers should take
into account all of the above and assess the nature of, and their own appetite for, relevant risks
independently and consult their advisers before making any decisions.

Professional advice
You should consult a lawyer, accountant, tax professional and/or any other professional advisors as
necessary prior to determining whether to purchase EIFI Tokens.

Caution Regarding Forward-Looking Statements

This whitepaper contains certain forward-looking statements regarding the business we operate that are
based on the belief of www.eifi.com as well as certain assumptions made by and information available to
www.eifi.com Forward-looking statements, by their nature, are subject to significant risks and
uncertainties. Forward-looking statements may involve estimates and assumptions and are subject to
risks, uncertainties and other factors beyond our control and prediction. Accordingly, these factors could
cause actual results or outcomes that differ materially from those expressed in the forward-looking
statements.

Any forward-looking statement speaks only as of the date of which such statement is made; we undertake
no obligation to update any forward-looking statements to reflect events or circumstances after the date
on which such statement is made or to reflect the occurrence of unanticipated events.

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