Protocol Architecture

Core Components Overview 📊

The architecture of Fintech AI is built upon a suite of interconnected smart contracts that manage every aspect of the protocol. These contracts interact to maintain token stability, automate yield distribution, and balance supply dynamics through a carefully designed mint-and-burn process.

Smart Contract Suite ⚙️

Sales Contract 🤑

The Sales Contract governs how new $FNA tokens are issued based on the treasury’s Risk-Free Value (RFV) and prevailing market conditions. It triggers minting or burning actions based on the Time-Weighted Average Price (TWAP) compared to the intrinsic backing value.

Treasury Contract 🏦

Acting as the protocol’s vault, the Treasury Contract collects funds from bond sales and other revenue streams. It ensures that every minted $FNA token remains backed on a 1:1 ratio with treasury assets, stabilizing the token’s underlying value.

Bond Contract 🔗

The Bond Contract facilitates two distinct bond offerings:

• Liquidity Bonds: Users deposit $FNA-$USDT liquidity tokens to receive discounted $FNA tokens, thereby locking liquidity permanently.

• Reserve Bonds: Users purchase $FNA directly with $USDT, boosting the supply in a controlled manner. Each bond type is structured to balance immediate market impact with long-term treasury growth.

Staking Contract ⛓️

Staking is the primary mechanism through which users earn rewards. By staking $FNA, users receive sFNA (staking rights tokens) at a 1:1 ratio. Rebases occur every 12 hours, crediting additional $FNA rewards automatically and promoting long-term participation.

Vesting Contract ⏳

To reinforce commitment to the protocol, the Vesting Contract outlines the conditions under which staking rewards become accessible. While users may unstake at any time, early reward withdrawals are subject to vesting periods—though these periods can be accelerated by burning a designated percentage of $BNB tokens.

Contribution Algorithm Contract 🤝

Encouraging community growth, this contract rewards users with contribution points based on referral activity and overall ecosystem engagement. Direct referrals earn a share of rebase rewards, while ongoing participation is quantified and compensated through a weighted contribution model.

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