YOUR OWN SAVINGS CIRCLE OR A MUTUALСreate and manage community to jointly resolve financial issues, reach savings targets quicker and more reliably, support each other with non-bank credit - all without the need for a central counterparty.NOVEL FINANCIAL INSTRUMENTSImplement cashflow-based financial products. Create cheaper, faster, transparent financing options with less hidden risk.ALTERNATIVE IDENTITY AND CREDIT SCORINGCreate a financial system where one is missing. Open up non-predatory funding sources for people with no credit score or credit history.AN (UN) BANKCreate savings and lending infrastructure for Finance 3.0 without borders and unnecessary fees. Integrate DeFi/OpenFinance solutions, build on top, and innovate to create better Finance 3.0