# Welcome to FU Capital

## About the Product

FU Capital is a decentralized Web3 platform that democratizes the debt capital markets by offering a "Marketplace Lending" or "Peer-to-Peer Lending" experience to individuals and institutions alike. Unlike traditional banking, FU Capital connects borrowers directly with liquidity, eliminating middlemen like banks. Through our platform, you can add funds towards borrowers seeking funds, earning potentially higher interest than what you'd find with bank fixed deposits and mutual funds. At the same time, borrowers benefit from lower interest rates on loans.

Our platform leverages blockchain technology—think of it as a highly secure digital ledger—to manage all transactions seamlessly. This ensures transparency, security, and efficiency.

## Why Choose FU Capital?

With FU Capital, you get better interest and more control over your capital. Our platform is designed to provide financial services to those who might be excluded by traditional banking systems, all while giving you on-chain access to high-yield, real-world assets. Investing via only stablecoins, FU Capital offers the functionality to add funds and exit positions using your cryptocurrency wallet alone.

## What FU Capital Does

FU Capital is at the forefront of decentralized finance (DeFi), specializing in connecting users who provide liquidity with real-world assets through blockchain technology. Here's how it works:

* **Lenders:** Lenders (e.g. FinTechs) seeking liquidity for their loan portfolios via listing on our platform.
* **FU Capital:** We assess the risks and potential returns of these assets, conducting thorough due diligence on your behalf.
* **On-Chain Listing:** We make these opportunities visible to users on our platform.
* **User:** You, as a User, can directly fund these opportunities by deploying funds, and earn returns based on terms set in the smart contracts.
* **Blockchain Technology:** Our platform operates on the same secure, transparent system that powers cryptocurrencies like Ethereum, ensuring that every transaction is recorded immutably.

## How It Works

Let’s say you want to add funds to a loan that offers a high rate of interest. Here’s how FU Capital simplifies the process:

1. A lender lists the loan(s) on behalf of the borrower.
2. You discover this opportunity on FU Capital's platform and decide how much to deploy using coins (USDC/USDT).
3. An Agreement of Sale is created between you and the FU Capital platform, outlining the interest, loan amount, and the protocol in case of loan default.
4. The borrower receives your funding.
5. You start earning interest automatically, according to the loan tenure and agreed-upon rate of interest.


# Getting Started

## Creating an Account on FU Capital

Signing up on FU Capital platform is simple and user-friendly. To create an account, you'll need to provide:

* **Email Address**
* **Password**

<figure><img src="/files/PfA5EBQ30dP9zrHKPCXU" alt=""><figcaption><p>Creating a New User Account</p></figcaption></figure>

Once you complete the form and agree to the terms, you can submit it to create your account. After submission, a 6-digit OTP will be sent to your email address. You'll need to enter this OTP on the FU Capital screen to verify your email.

<figure><img src="/files/vUpOslhfpssU51nuwR14" alt=""><figcaption><p>Verify your email</p></figcaption></figure>

After verifying your email, sign in to the FU Capital application to continue the registration process.

### Registration on the FU Capital Platform

**Step 1: Profile Information**

In this step, you'll need to provide your personal information, including:

* **First Name**
* **Last Name**
* **Country Code**
* **Phone Number**
* **Address**
* **Set up Two-Factor Authentication (optional)**

Once you've entered this information, click "Continue" to proceed to the next step.

<figure><img src="/files/txjee3FpPzycd9e9AxTz" alt=""><figcaption></figcaption></figure>

**Step 2: Income and Residency**

In the second step of registration, you'll be asked to provide basic information about your financial background, including:

* **Main Source of Funds**
* **Annual After-Tax Household Income**
* **Amount of Income You Plan to Deploy**
* **Country of Residence**

<figure><img src="/files/MAxwlgoKLGxCidsV2gRZ" alt=""><figcaption><p>Second Step of Registration</p></figcaption></figure>

&#x20;After completing this section, you'll move on to the final step.

**Step 3: ID Verification**

The KYC and identification services are managed wholly online by Veriff, a popular, trusted online identity verification provider. Documents Required for Identity Verification are:

* **Photo of your identification document (both sides)**
* **Selfie of your face**

At first you will be asked to scan the given QR code with your phone's camera. Then you will be asked to upload an image of your identification document: take photos of each side of your ID, and take a selfie as part of the verification process.

<br>

<figure><img src="/files/CoyW8vpMRj9BJKikX8H6" alt=""><figcaption><p>Third step of Verification</p></figcaption></figure>

While your verification is being processed, you can explore the FU Capital application by selecting the "User Profile" button in the meantime.


# Protocol

Welcome to the Protocol page, here you will find detailed descriptions of the pages on FU Capital platform. Each page serves a unique function designed to enhance your experience and provide essential information regarding the platform's functionality.

Below is the list of pages on FU Capital platform that will be described later in details:

#### 1. **Overview**&#x20;

The Overview page gives you a snapshot of your profile's core information.

#### 2. **Portfolio**

Essentially the Portfolio page is your central hub for managing and monitoring your positions. It offers valuable insights into your deployed funds.

#### 3. **Market**

The FU Capital platform provides separate sections for the Primary Market and the Secondary Market. This distinction allows you to clearly differentiate between new opportunities (Primary Market) and existing loans that are being traded between users (Secondary Market).

#### 4. **Statement**

The "Account Statement" page on the FU Capital platform provides a detailed summary of your account activity over a specified period.

#### 5. **Add/Withdraw**

The Add and Withdrawal page allows users to manage their funds using stablecoins like USDT or USDC on the Polygon network.


# Overview Page

The **Account Overview** page is a key feature of FU Capital, designed to give you a comprehensive snapshot of your portfolio. Here's why it's essential:

* **Account Details:** The Account Overview page provides a quick and easy way to see your available balance, deployed capital, total account value, and interest income, along with overall portfolio performance.
* **Actionable Insights:** This information helps you make informed decisions about future addition of funds, withdrawals, and funding activities.

The Account Overview Page is structured to provide clear and actionable information at a glance.<br>

<figure><img src="/files/NxUWgP7SEvSKfYWLjwEG" alt=""><figcaption><p>Overview Page</p></figcaption></figure>

Here’s a breakdown of each section shown above:

**Header Section**

<figure><img src="https://lh7-rt.googleusercontent.com/docsz/AD_4nXfu16pPlg9DtFScsgEkG5wO3o92eTiW8cGZARakf1v0qWSCQC9l62IglnzCKHIgTN7scxBNuFO8S25l2udWYkqd74MRm-HBEK2LwwnB4wazPhAJ6mepnrOoQrFFgwfy-X0joAgZ4Gkko9w5ZkO-zJ91fjMa?key=YCvQ3A6Iy4GL3Avrv-grAA" alt=""><figcaption></figcaption></figure>

* **Buy:** This button directs you to the Market module, where you can view available loans and the funds available for each opportunity.
* **Add Funds:** This button takes you to the Add and Withdraw Funds page, where you can transfer money into or out of your account.
* **Weekly Statement:** This button leads to the Account Statement page, where you can view or download a detailed record of your account activity for a selected period.

**Summary**

This section provides a quick snapshot of your account:

* **Available Balance:** The current amount of undeployed cash in your account.
* **Deployed Balance:** The total amount of capital you have currently deployed in loans.
* **Pending Payments:** The total outstanding amount owed by borrowers on your loans.
* **Total:** The total value of all your account holdings, calculated as:\
  Total = Available Funds + Deployed Funds

**Total Income**

This section provides an overview of your earnings:

* **Interest Income:** The total interest earned on your loan positions to date. This might be further broken down by interest earned within a selected timeframe, which can be adjusted elsewhere on the dashboard.
* **Secondary Market Income:** Income earned by selling loans purchased in the Primary Market at a profit. This feature will be available on our website soon.

**Number of Claims**

This section provides a count of your claims, their value in the corresponding currency, and the status of each claim (Active, Delayed, and Defaulted) where:

* **Active** means that interest/principal payment is on time.
* **Delayed** is when payment is delayed (max 60 days) .
* **Defaulted** status means that payment due is over 60 days.

<br>


# Portfolio Page

The Portfolio page is essentially your central hub for managing and monitoring your positions. It offers valuable insights into your deployed funds through the following:

* **Performance tracker:** It provides an at-a-glance overview of your current portfolio performance, including key metrics such as outstanding principal, interest received, and loan status.
* **Customization:** Tailor your dashboard view to focus on specific holdings by using filters and downloading data for further analysis.
* **Transparency:** Gain a clear, transparent view of the loans in your portfolio, with detailed information about lenders, interest rates, and buy dates.

By leveraging these features, you can effectively use the FU Capital User Portfolio page to monitor your deployed balances, make informed decisions, and track your overall portfolio performance.

#### Portfolio Sections

The Portfolio page is divided into several sections, each providing information about your deployed funds. Here's a breakdown of the main features.

#### Show Charts

<figure><img src="https://lh7-rt.googleusercontent.com/docsz/AD_4nXdofnCH0YPaBv5tD_3qerWsXXk6SGR5EIAp1-U-yG7kSA_TOIIXyMmKwUN2azkRhBFS2MFoon8xjOfhO91BLoDOtWJdB4aw7vFuEMfQvb8jRJnREOUbZGCotpAhiEIynb2OIvyh7ayy1jbzY6Kgqh7sRTx5?key=YCvQ3A6Iy4GL3Avrv-grAA" alt=""><figcaption></figcaption></figure>

<figure><img src="https://lh7-rt.googleusercontent.com/docsz/AD_4nXf4nljiauJXWwensEWwNHtKr5EtskIfER2fxANIRmLXpgSqmK-WEngmAWaBmvszRvgQMA8clokdv3kQk7fPjVmbx0aR1n977ukMVsM1wYPoGORqXnSssdIofPlMYAFKciQxbXerE5Ys4qeeaW8xXE2waH9Y?key=YCvQ3A6Iy4GL3Avrv-grAA" alt=""><figcaption></figcaption></figure>

The "Show Charts" feature provides visual insights into your portfolio's health and performance. Here’s what you can expect:

* **Deployed Funds:** Displays the total amount of capital you have contributed.
* **Claims:** Tracks the number of individual buys you have made. Each transaction is counted separately, so if you fund a particular loan five times, it will be recorded as five positions. The minimum buy amount is 10 tokens.
* **Total Interest Received:** Displays the total interest you have earned from your deployed funds.

#### Chart 1: Weighted Average Rate of Interest

* **Chart Type:** Bar Chart
* **Description:** This chart displays the weighted average interest rate of the loans in your portfolio. The x-axis represents the ROI range (in percentage), while the y-axis represents the deployed balance. The weighted average interest rate is also shown at the bottom of the chart.

#### Chart 2: Positions by Period (Days)

* **Chart Type:** Bar Chart
* **Description:** This chart categorizes your positions by their period of buy, showing the amount funded across different time frames.

#### Chart 3: Loan status

* **Chart Type:** Donut Chart
* **Description:** This chart shows the distribution of your claims by their statuses (Active, Delayed, Pending) and the percentage they occupy within that category.

#### Chart 4: Lenders

* **Chart Type:** Donut Chart
* **Description:** This chart illustrates the distribution of your claims among the various lenders on the platform.

#### Chart 5: Countries

* **Chart Type:** Donut Chart
* **Description:** This chart breaks down the distribution of your claims based on the country where the loan was issued.

#### Loan Details in Your Portfolio

<figure><img src="https://lh7-rt.googleusercontent.com/docsz/AD_4nXcBjftKhnwnBYY7YxvNquRuGuKLRGBMgOtLVvr3LbUrEBLct7B7ilVP4Mmi_3Cm6bD6_ea4IqzaQV6a7LRimQFvULCe3EYv69YaynG36Fn-c9YJmlx-bl5DWKtKLSFxwWDt_HD3LTy4i2cvYbMfCHhrtoQ?key=YCvQ3A6Iy4GL3Avrv-grAA" alt=""><figcaption></figcaption></figure>

* **Lender:** The company or institution that issued the loan.
* **Interest:** The annual interest rate offered on the loan.
* **Deployed Balance:** The funds that you have allocated in the loan.
* **Deployment Date:** The date on which you deployed funds in the loan.
* **Linked Wallet:** Wallet used for deploying funds in the loan.
* **Remaining duration:** Time left before a loan is fully repaid.
* **Loan Maturity Date:** Date when the final payment on a loan is due.
* **Status:** The status of the Claim (Active, Delayed, Pending).
* **Interest Income:** The total interest earned on the loan to date.
* **For Sale:** View loans currently available for sale on the secondary market. You can list your loans and set the price and interest rate at which you're willing to sell them.

#### Export to Excel Functionality

The "Export to Excel" button allows you to download your portfolio data into a Microsoft Excel spreadsheet for further analysis, providing you with the tools to dive deeper into your portfolio performance.

<figure><img src="https://lh7-rt.googleusercontent.com/docsz/AD_4nXc7F_U0od0XMU9HCcXx0hfS_HCPCBBC_lwiOjl_5dkcaai1yCs_FTAmuX4eZnB--zluNl4StE7lWBgZ7A65W6OSEU8Y5uDcO10abA9WkcytKxLnImMcLaaGU3MHfmOEqdX4m9LdpplOrLD8l-Onyy7eC0o?key=YCvQ3A6Iy4GL3Avrv-grAA" alt=""><figcaption></figcaption></figure>

#### Using the Portfolio Effectively

* Regular Monitoring: Log in frequently to stay updated on your portfolio's performance and market trends.
* Customization: Use the settings section to personalize your dashboard according to your goals.
* Deeper Dives: Explore detailed breakdowns of each position to analyze individual performance and make informed decisions.

Please note that the specific functionalities and layout of your FU Capital Dashboard may vary slightly with future updates and platform developments. Always explore the dashboard and refer to any additional documentation provided by FU Capital for the most up-to-date information.

<br>


# Market Page

## Market Selection

The FU Capital Dashboard provides separate sections for the Primary Market and the Secondary Market. This distinction allows you to clearly differentiate between new opportunities (Primary Market) and existing loans that are being traded between users (Secondary Market).

## Primary Market

The FU Capital Primary Market is a platform that allows you, as a user, to directly buy loans from lenders. This differs from the Secondary Market, where users buy and sell loans from each other.

<figure><img src="https://lh7-rt.googleusercontent.com/docsz/AD_4nXdkuRTKv4bLNkd9yDbrTqLiZVDjmPPHaMZybRIhK7ZdJ8gpiIOmPzJVUOmWqtG5mZwsKzzQHVSFq2fXjHbfx1iucEn4eRxhX7P_6gNlkuOPMVKETLs4L-7Fix0hpwzMaYZTRWbBkesc16B0JQDvELFuFZ30?key=YCvQ3A6Iy4GL3Avrv-grAA" alt=""><figcaption></figcaption></figure>

#### To buy positions in a single/multiple loans

To deploy funds into a single loan you need to click the “Buy” button. Besides, FU Capital offers the "Buy All" functionality, allowing you to deploy a fixed amount across all available loans with a single click. The maximum amount you can add in each loan will be determined by the lowest available amount.\
\
If you prefer selected loans or want to customize the amount you wish to deploy in each loan, you can use the "Cancel" button next to any loan you don't want exposure in. This allows you to refine your choices and participate in multiple loans with customized amounts.

<figure><img src="https://lh7-rt.googleusercontent.com/docsz/AD_4nXfbyuZyNja7jT_kuVvHlLksXrO0QZAGNia0jE7szPFwPz84eOdkL_8t5JiWUoKYiHhQHMfD-k4Y8j4fDR5yBE5yPAfaxmiH1ZOu_BNschOP94YipYwzmXDzi58zajlPd27Kow-co4d0nSyU9Fj4rgb-wr1b?key=YCvQ3A6Iy4GL3Avrv-grAA" alt=""><figcaption></figcaption></figure>

#### Which currency are these loans available in?

Loans are available in stablecoins, specifically USDC or USDT. You can select between these two stablecoins to deploy your funds.

#### Filters

The Market module includes several filters to help you refine your search:

* **Products:** Select specific types of loan products:
  * **Business Loan:** Funding for business needs, such as purchasing equipment or expanding inventory.
  * **Installment Loan:** General-purpose loans for personal needs, such as home renovations or car financing.
  * **Mortgage Loan:** Loans specifically for purchasing property.
  * **Short-Term Loan:** Loans for immediate or temporary financial needs, like unexpected bills.
* **Countries:** Filter loans based on the country of origin.
* **Lenders:** Filter loans based on the Lenders offering them.
* **Status:** Filter loans by their current status, such as Active, Delayed, or Pending.
* **Extensions:**  Loans that can extend maturity date beyond its original term. It includes both loans with extension and loans without extension.
* **Interest:** Filter by the interest rate offered on the loans.
* **Loan Duration in Days:** The period in which the lender should fully repay the borrowed amount.
* **Remaining Loan Maturity in Days:** Filter loans based on the remaining term of the loan.
* **Available Amount:** Filter by the amount still available to be deployed.

#### Additional Filters

* **Exclude Already Bought:** Exclude loans that you have already deployed in.
* **Show Loans Only with Buyback Obligation:** Display only loans that come with a buyback obligation, meaning the lender is obligated to repurchase the loan if it defaults.

<figure><img src="https://lh7-rt.googleusercontent.com/docsz/AD_4nXfPtgPt4pEdjjDngZLF-Iw5uT7AQ6bEIZg-02yRamdC_GwwQUfF97LBfSyR718x6YKbEStmfS0iCSAXE3lWqdHVqc32-nhYet1YEwwPvr3DinNuTMFD9mzAP7xUhBnjC7xJZ3EArbqQ4x04Owg-K73fu2A?key=YCvQ3A6Iy4GL3Avrv-grAA" alt=""><figcaption></figcaption></figure>

#### Available Loans Table

The "Available Loans" table in the Primary Market displays a list of current opportunities. Each entry provides the following details:

* **Country:** The country where the loan originated.
* **Loan ID:** A unique identifier for the loan.
* **Lender:** The name of the lender issuing the loan.
* **Listed on the platform:** The date the loan was listed for users to buy.
* **Remaining Duration:** Remaining term of the loan.
* **Loan Maturity Date:** Date when a loan must be fully repaid.
* **Loan Amount:** The principal amount of the loan.
* **Interest:** The interest rate the loan will yield.
* **Status:** Filter loans by their current status, such as Active, Delayed, or Pending.
* **Available Amount:** The maximum amount available for allocation as other users deploy their funds.
* **Deployed Balance:** The amount you have already deployed in this loan, if applicable.

<figure><img src="https://lh7-rt.googleusercontent.com/docsz/AD_4nXe4g89t2I23OCI3gvKmhOP91bLtA1dSs6HATw898JlOWl6vLhQsmnpo2JDAjtaB_5TlZDjdSf-WCoMCjIZD5tkC3_7qO1dkDUd8EqAw8yS0sPYdaUDryfz1LVlkb8NItyj2JYntB-10hx3ALznXs2HtcCsG?key=YCvQ3A6Iy4GL3Avrv-grAA" alt=""><figcaption></figcaption></figure>

## Secondary Market

The FU Capital Secondary Market is a platform that allows you, as a user, to sell existing loans to other users.

<figure><img src="https://lh7-rt.googleusercontent.com/docsz/AD_4nXd6IwBwlbBNzuh_rHvOgEkMjiTSkjn25R9_sDdpEFoxj1xNArL2gpoXVNdg_UPfdXCr-uHNu8D5vttfQgY0OZYeAkBYGrndtE-kK2YA4U-BQtt3Bd1CXmmgiNkLY4sGGXNcN33a-VsWXcUjmRvyVua26YRi?key=YCvQ3A6Iy4GL3Avrv-grAA" alt=""><figcaption></figcaption></figure>

#### Filters

The Market module includes several filters to help you refine your search:

* **Products:** Select specific types of loan products:
  * **Business Loan:** Funding for business needs, such as purchasing equipment or expanding inventory.
  * **Installment Loan:** General-purpose loans for personal needs, such as home renovations or car financing.
  * **Mortgage Loan:** Loans specifically for purchasing property.
  * **Short-Term Loan:** Loans for immediate or temporary financial needs, like unexpected bills.
* **Countries:** Filter loans based on the country of origin.
* **Lenders:** Filter loans based on the Lenders offering them.
* **Status:** Filter loans by their current status, such as Active, Delayed, or Pending.
* **Extensions:** Loans that can extend maturity date beyond its original term. It includes both loans with extension and loans without extension.
* **Interest:** Filter by the interest rate offered on the loans.
* **Loan Duration in Days:** The period in which the lender should fully repay the borrowed amount.
* **Remaining Loan Maturity in Days:** Filter loans based on the remaining term of the loan.
* **Available Amount:** Filter by the amount still available to be deployed.
* **Discount/Premium:** When selling a loan with either a premium or a discount, the value of the loan is adjusted based on the following formula:

$$
P\_s=F×(1+r/100)
$$

*Where:*

* $$P\_s$$*​ = selling price*
* $$F$$ *= face value*
* $$r$$ *= rate (positive for premium, negative for discount)*

#### Additional Filters

* **Exclude Already Bought:** Exclude loans that you have already deployed in.
* **Show Loans Only with Buyback Obligation:** Display only loans that come with a buyback obligation, meaning the lender is obligated to repurchase the loan if it defaults.

<figure><img src="https://lh7-rt.googleusercontent.com/docsz/AD_4nXcpZJ8jpA-_oY8WTLxloAutytZ9vRsLz_ZEQNXVh1BZCkJs1Iltm6i41MdPIis2QFvTe7ihB-SJKX6jwfrkC7_MTAKJ5PEw-zIM0THZgb58Es7QhQaAOSnsBsNMUJrt351DXPFHLQgu1DsRIpXL4oG3dxHI?key=YCvQ3A6Iy4GL3Avrv-grAA" alt=""><figcaption></figcaption></figure>

**Available Loans Table**

The "Available Loans" table in the Primary Market displays a list of current opportunities. Each entry provides the following details:

* **Country:** The country where the loan originated.
* **Loan ID:** A unique identifier for the loan.
* **Lender:** The name of the lender issuing the loan.
* **Listed on the platform:** The date the loan was listed for users to buy.
* **Remaining Duration:** Remaining term of the loan.
* **Loan Maturity Date:** Date when a loan must be fully repaid.
* **Price and Discount/Premium:** The price of the available loan and Discount/Premium rate.
* **Interest:** The interest rate the loan will yield.
* **Status:** Filter loans by their current status, such as Active, Delayed, or Pending.
* **Available Amount:** The maximum amount available for allocation as other users deploy their funds.

<figure><img src="https://lh7-rt.googleusercontent.com/docsz/AD_4nXf2oPWYdgwDjxlsXMAZMAcYRma3lN4sw6ntDNrzgHEzSdyxUdgYDJEUUtzS8wMZmPTIygV-DLMx_ceh5b9ZM2VUWCexXjKHKp8prI_5qBrkYsQTQJzBzn0LRRXWMzecShv58SkEKek2ugN1Us_irmDic6w?key=YCvQ3A6Iy4GL3Avrv-grAA" alt=""><figcaption></figcaption></figure>

By clicking the Buy button you can deploy funds into the loan.


# Statement Page

The "Account Statement" page on the FU Capital platform provides a detailed summary of your account activity over a specified period, which you can select using the 'From Date' and 'To Date' options.

<figure><img src="https://lh7-rt.googleusercontent.com/docsz/AD_4nXfVfY_6EneNMpm4BvLWzRbRiLAdYbBkMXHPQbSvu79Qm_ZZ7sUI669XMXEVYfMbVuBkpS-OmUcVcDyjchoRAUGWqufW215O2O9fN0s_4T9UP55rdYZ_AX1Nvm_D6zNbOny3JeWhr2U5fSXRpGBxNPVoV3q5?key=YCvQ3A6Iy4GL3Avrv-grAA" alt=""><figcaption></figcaption></figure>

For convenience, there are also quick access buttons that allow you to view your account summary for specific time frames:

**A) Today**

**B) Last 7 Days**

**C) This Month**

**D) This Year**

**E) Previous Year**

**F) All Time**

## Summary Section

The Summary Section on the FU Capital platform helps you understand the overall status of your account. Here’s how the closing balance is calculated:

$$
CB=∑(OP,DSM,SSM,PR,II,BR,RBR,SMI)−W
$$

Where:

* $$CB$$: The total funds available in your account at the end of the accounting period, calculated by subtracting debits from credits.
* $$OP$$ **= Opening Balance:** The balance in your account at the beginning of the accounting period. This could be positive, negative, or zero, depending on the carryover from the previous period.
* $$DSM$$ **= Deployed on Secondary market:** Funds deployed in the Secondary Market.
* $$SSM$$ **= Sold on Secondary Market:** The amount received from selling loans in the Secondary Market.
* $$PR$$ **= Principal Received:** The funds returned to you after selling loan holdings on the Primary Market.
* $$II$$ **= Interest Income:** The interest earned from loans, received after selling loan holdings or as periodic payments.
* $$BR$$ **= Bonus Received:** Any bonus funds added to your account.
* $$RBR$$ **= Referral Bonus Received:** A bonus earned for referring other users to FU Capital. This is added to your income when calculating the closing balance.
* $$SMI$$ **= Secondary Market Income:** The income earned from selling loans on the Secondary Market.
* $$W$$ **= Withdrawals:** Funds removed from the user's account

#### Downloadable Account Statement

A key feature of the Account Statement page is the ability to download your transaction history as a PDF. This allows you to save your transaction data for offline analysis using spreadsheet software or other accounting tools.

## Transactions Table

The Transactions Table provides detailed information about each transaction in your account. Here’s what each column represents:

* **Transaction ID:** A unique identifier for each transaction, generated for:
  * Added funds
  * Withdrawals
  * Deployed in primary market
* **Date:** The date when the transaction occurred.
* **Transaction Type:** Indicates the type of transaction, such as funds deployed in the Primary Market.
* **Lender:** The name of the lender who issued the loan.
* **Loan ID:** A unique identifier for each loan, captured in the statement.
* **Transaction Amount:** Displays the amount of each transaction. Add transactions are indicated with a '+' sign, while withdrawals and buys are shown with a '-' sign.
* **Wallet:** Wallet address associated with the transaction.
* **Available Balance:** The remaining balance in your FU Capital wallet after each transaction. This balance reflects the funds available for new buys or withdrawals.

<figure><img src="https://lh7-rt.googleusercontent.com/docsz/AD_4nXcX-gmf2lG_zpzxBE24IAWAyEqmudS7tAhUwU_theG9rjKRzpsG8QHyNn049xsLH_Be0FiHpZL5JmhuddG8OYf_kivWUoynPFgXhGpsIDiTt41dLOszNzWLzURORaCtFb_O41IjQmC_5hNRNy_G9ca81TuO?key=YCvQ3A6Iy4GL3Avrv-grAA" alt=""><figcaption></figcaption></figure>

## Key Points for users

* **Transaction History:** The Account Statement page records all add, withdrawal, buy, and interest payment transactions in your account.
* **Reconciliation Tool:** Use the account statement to reconcile your FU Capital transactions with your personal records.
* **Downloadable for Offline Analysis:** The downloadable PDF option enables you to analyze your on-platform activity in detail using offline tools like spreadsheets or accounting software.


# Add and Withdraw Page

The Add and Withdrawal page allows users to manage their funds using stablecoins like USDT or USDC on the Polygon network.

<figure><img src="https://lh7-rt.googleusercontent.com/docsz/AD_4nXf9aE7Zmc2IMAlouk6ECDr4eQT_uFG-IGOfDR4DWBelKqOkXu8CZ4_2O9Auks3IgMzNaISkFbsXl-31z786-W1le5g_ROwEJHqGmUGP-YDZRKkE_MGN9VMYZvlIyC6DEMcRsLbK45WnN3P42UVmtO9J6ihJ?key=YCvQ3A6Iy4GL3Avrv-grAA" alt=""><figcaption></figcaption></figure>

Users can add funds into their FU Capital Profile Wallet using stablecoins. These funds can then be deployed into loans on either Primary or Secondary Market.

The entire process of adding/withdrawing funds on the platform is simple and straightforward: The process involves the following steps:

* **Address:** To add funds, users need to connect their wallet (e.g., MetaMask) to the FU Capital platform. The wallet balance will be displayed on the Add/Withdraw screen.
* **Withdrawal:** When funds are added, the funds are debited from the user's wallet and credited to the FU Capital Wallet. Conversely, during a withdrawal, funds are debited from the FU Capital Account Wallet and credited back to the user's wallet.
* **Minimum Add/Withdrawal Amount:** The minimum amount for both adds and withdrawals is 10 tokens, with a maximum limit of 100,000 tokens.
* **Add/Withdrawal Confirmation:** Users receive email notifications confirming the initiation of adding of funds or withdrawals to/from their wallets.
* **Minimum Amount:** The minimum amount required to deploy in a loan is 10 tokens.


# Tokenomics

## Overview

The FU Token (FUT) is the native utility token of the FU Capital ecosystem. It serves as a utility token for the DApp and wider FU Capital ecosystem. The utility associated with the asset has four categories:

* Web3 payments
* Platform rewards enhancing
* Community governance
* Voting

The Polygon-based crypto asset will offer various community features and integrations with third-party platforms as well as enhanced User levels on the FU Capital platform, rewarding early supporters with discounted fees, profile perks and enhanced yield on their LP Tokens.

## Maximum Supply

The FU Token has a maximum supply of 1,000,000,000 FUT, which Management plans to reduce over time through the burning mechanism. Once the FUT token sale has been completed, the Company will use the profit share mechanism to buy back the tokens to be burned.

## Token Allocation

The allocation of FUT tokens is as follows:

* **Community Sale (50%):** 500,000,000 FUT
  * Purpose: To raise capital for platform development, ecosystem expansion, regulatory compliance, and operational scaling. The presale offers early supporters and strategic partners the opportunity to acquire tokens at preferential rates, fostering long-term alignment and early network effects.
  * Release: 100% available at Token Generation Event (TGE)
* **Treasury (20%):** 200,000,000 FUT
  * Purpose: Reserved for funding research and development, platform upgrades, and maintaining a risk reserve for unforeseen circumstances.
  * Release: 5% available at TGE, with the remainder released linearly over 60 months.
* **Public Sale (10%):** 100,000,000 FUT
  * Purpose: To fund platform development and growth, and to reward early supporters through seed, private, and public sales at low entry prices.
  * Release: 100% available at Token Generation Event (TGE).&#x20;
* **Team Members (10%):** 100,000,000 FUT
  * Purpose: To compensate founders, advisors, and key staff members. Structured to ensure alignment with the platform’s long-term vision.
  * Release: 0% at TGE, with a 12-month lockup, vested over 36 months.
* **Investors (10%):** 100,000,000 FUT
* Purpose: Allocated to strategic investors who provide long-term value through capital, network access, and advisory support. These funds help ensure platform sustainability and strategic alignment during early growth phases.
* Release: 0% at TGE, with a 6-month lockup, vested over 24 months.

<figure><img src="/files/SR3ggmiobmctzlMcrp7Y" alt=""><figcaption></figcaption></figure>

## Token Utility

FUT tokens serve multiple roles within the FU Capital ecosystem:

* **Governance:** Holders of FUT can participate in platform governance, voting on proposals and contributing to the direction of the platform’s development.
* **Staking:** Users can stake FUT tokens to earn rewards and increase their user level, unlocking additional platform benefits such as lowered fees, enhanced LP yield and increased add funds and withdrawal limits.
* **Transaction Fees:** FUT can be used to cover transaction fees within the platform, providing a utility for users engaging in both primary and secondary markets.
* **Platform Rewards:** FUT is used to incentivize platform activities, including community engagement, referrals, and participation in gamification features.

## Token Burn Mechanism and Buyback

To manage supply and support the token’s value, FU Capital is implementing periodic token burns. A portion of platform profits will be used to buy back FUT tokens on the market and burn them, effectively reducing the total supply and increasing value for remaining holders.

<br>


# Documents

Access our comprehensive guides, technical resources, and legal agreements to help you fully understand and utilize FU Capital’s platform:

#### [<mark style="color:red;">White Paper</mark>](https://drive.google.com/file/d/1k3Q34ckEXfaoOOKqTpxAHSOxpWlalQrX/view?usp=sharing)

Dive into our strategic vision and technical framework, outlining how FU Capital bridges crypto assets and traditional finance.

#### [<mark style="color:red;">Roadmap</mark>](https://drive.google.com/file/d/12hrhz5e1w0uCOjlD3P0tssv-wjNj5QgM/view?usp=sharing)

Discover our future plans and key milestones as we continue to build and innovate FU Capital platform.

#### [<mark style="color:red;">Terms of Use</mark>](https://fucapital.io/terms_of_use)

Understand the rules and conditions for accessing and using a product, service, or website, including user responsibilities and limitations.

#### [<mark style="color:red;">Privacy Policy</mark>](https://fucapital.io/privacy_policy)

Learn how FU Capital collects, uses, stores, and protects personal data from its users.

#### [<mark style="color:red;">Cookie Policy</mark>](https://fucapital.io/cookie_policy)

Understand how FU Capital uses cookies typically for improving user experience and analytics


# Resources

Access our official logos, colors, and guidelines for using our brand materials:

### [<mark style="color:red;">Brand Assets</mark>](https://drive.google.com/drive/folders/1sJaaKxEoYNUwdGoVxAEN9lPyQ462e2vb?usp=drive_link)


# Links to Socials

Stay connected with us through our social media channels and explore all the essential resources in one place. Follow us for updates, insights, and more!

### [Website](https://fucapital.io/)

### [LinkedIn](https://www.linkedin.com/company/fucapital/)

### [X (Twitter)](https://x.com/fucapitalio)

### [Telegram](https://t.me/+WxDhcZ4fv09lMDg9)


# Glossary

## A

**Account Overview**\
A page within the FU Capital DApp that provides users with a summary of their profile activities, including funds deployed, assets held, and recent transactions. It serves as the main dashboard for managing deployed balances and monitoring portfolio performance.

**AML (Anti-Money Laundering)**\
A set of procedures, laws, and regulations designed to prevent the practice of generating income through illegal actions. FU Capital adheres to AML standards to ensure that all users and transactions on the platform are legitimate.

**APY (Annual Percentage Yield)**\
The real rate of return earned on deployed balances, taking into account the effect of compounding interest over time. In FU Capital, APY reflects the yield generated by holding and funding loan portfolios.

## B

**Buy-back Obligation**\
A lender’s obligation to redeem and repurchase a claim from an assignee on the 61st (sixty-first) calendar day of delay if a borrower delays the loan repayment for more than 60 (sixty) calendar days in accordance with a loan agreement.

## C

**Community Governance**\
A decentralized governance system within the FU Capital platform that allows FUT token holders to participate in decision-making processes, such as voting on platform updates, proposals, and other significant changes.

## D

**DApp (Decentralized Application)**\
A type of application that runs on a decentralized network, utilizing blockchain technology. The FU Capital DApp allows users to manage their deployed balances, access market opportunities, and engage in community governance in a secure, transparent environment.

**DCM (Debt Capital Markets)**\
Financial markets where companies and governments raise funds by issuing debt securities such as bonds or securitised debt. FU Capital specializes in offering tokenized debt portfolios as passive income opportunities.

**Deploying Funds**\
In FU Capital, the term "deploying funds" refers to the process of funding loan portfolios or placing assets within the platform.&#x20;

**DvP (Delivery vs Payment)**\
A settlement system that ensures the transfer of securities occurs only if the corresponding payment is made. This principle is embedded in FU Capital's smart contract system to secure transactions.

## F

**FUT (FU Token)**\
The native utility token of the FU Capital ecosystem, used for governance, staking, transaction fees, and rewards. FUT plays a central role in the platform’s operations and community engagement.

## L

**Lender**\
A business or individual that originates loans and lists these loan portfolios on the FU Capital platform for tokenization. Lenders are responsible for the underlying assets and are vetted by FU Capital for risk and return potential. Examples could include FinTech lenders, Private Debt funds and other financial institutions.

**Loan Portfolio (LP) Tokens**\
Tokens that represent fractional ownership in a loan portfolio. These tokens are created through the tokenization of debt and can be traded on the FU Capital platform, providing liquidity to lenders and passive income opportunities to users.

**LP Reward Engine**\
A feature within FU Capital that manages the distribution of returns from loan portfolios. This engine automates distribution of interest payments and principal repayment to holders of LP Tokens.

## M

**Market (Primary and Secondary)**\
The two main areas within the FU Capital platform where users can add funds and trade LP Tokens:

* Primary Market: Where new loan portfolios are initially listed by lenders.
* Secondary Market: Where existing LP Tokens can be traded between users, providing liquidity and exit opportunities before maturity of underlying loans.

## P

**Portfolio**\
A collection of loan portfolios and LP Tokens held by a user within the FU Capital platform. The portfolio section of the DApp allows users to monitor the performance and status of their funded assets.

## S

**Smart Contract**\
Self-executing contracts with the terms of the agreement directly written into code. FU Capital uses smart contracts to automate the deployment of funds, manage returns, and ensure the security of transactions on the platform.

**Staking**\
The process of locking up FUT tokens in the platform to earn rewards, increase user level, and participate in governance. Staking helps secure the network and provides users with incentives to reward long-term engagement with FU Capital.

## T

**Tokenization**\
The process of converting rights to an asset into a digital token on a blockchain. In FU Capital, tokenization allows loan portfolios to be fractionalized and traded as LP Tokens.

## U

**User KYC and AML**\
A combination of processes (Know your Customer and Anti Money Laundering) that ensure all users of the FU Capital platform are verified and compliant with anti-money laundering regulations. This protects the platform’s integrity and secures its operations.

**User Level System**\
A ranking system within FU Capital that determines a user's access to certain features, benefits, and governance rights based on their activity and staking on the platform. These include reduced fees, increased deploy/withdraw limits and enhanced yields.

## W

**Withdraw Funds**\
The process by which users can transfer their returns or principal from the FU Capital platform back to their cryptocurrency wallets.&#x20;

<br>


# FAQ

#### **What assets am I even funding?**

When you add funds to buy a LP token on FU Capital, you're getting fractionalized exposure to a debt portfolio. This portfolio consists of many loans to various real-world businesses, packaged into a single instrument. The collection of loans is then split into smaller shares and sold as LP tokens. Each LP token represents a small portion of the overall loan portfolio. As individual businesses repay their debt with interest, this interest is distributed as cash flow to the LP token holders.

#### What are the Risks?

By deploying funds on FU Capital, you are exposed to the credit risk of the asset owner, also known as the lender, which refers to the various FinTechs and institutions offering opportunities on our platform. All interest and loan default risks are absorbed by the asset owner. Your capital is secured by the asset owner's balance sheet and regulated by smart contracts. The primary risk you face is the possibility of the asset owner's default.

#### Who is the Team behind FU Capital?

FU Capital's founding team consists of seasoned professionals with over 30 years of experience in traditional finance, 15 years in lending, and a decade in blockchain businesses. The team has a proven track record, including successful FinTech startups with zero defaults across all their ventures.

#### How do I know that the assets are even real?

We understand the challenge of verifying crypto opportunities, which is why we perform thorough due diligence on every asset owner on our platform. This includes verifying balance sheets and loan portfolios. Initial asset owners are also partly owned by our group, ensuring oversight, performance, and minimized risks.

#### How Safe is FU Capital?

FU Capital prioritizes safety with strong compliance controls, including KYC, AML, and legal recourse. All transactions are regulated by smart contracts and are subject to a strict technical audit regime, safeguarding funds against potential threats.

#### How Can I Exit my Position?

There are two ways to exit your position on FU Capital. First, you can sell your LP tokens on the secondary market, similar to selling fixed-income securities. These LP tokens have a fair market value based on their promise of future income and their redeemable value upon maturity. The second option is to hold the LP tokens to maturity, at which point the repayment of debt will "buy back" the LP tokens at its original notional loan amount.

<br>


# Making a post

## Step 1 - Start journalling

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![](https://images.unsplash.com/photo-1522881451255-f59ad836fdfb?crop=entropy\&cs=tinysrgb\&fm=jpg\&ixid=MnwxOTcwMjR8MHwxfHNlYXJjaHw0fHx3cml0ZXxlbnwwfHx8fDE2NjA1ODc5Nzk\&ixlib=rb-1.2.1\&q=80)

## Step 2 - Create Post

Praesent commodo cursus magna, vel scelerisque nisl consectetur et. Maecenas faucibus mollis interdum. Cras mattis consectetur purus sit amet fermentum. Fusce dapibus, tellus ac cursus commodo, tortor mauris condimentum nibh, ut fermentum massa justo sit amet risus. Donec ullamcorper nulla non metus auctor fringilla. Nullam quis risus eget urna mollis ornare vel eu leo. Aenean eu leo quam. Pellentesque ornare sem lacinia quam venenatis vestibulum.

![](https://images.unsplash.com/photo-1515378791036-0648a3ef77b2?crop=entropy\&cs=tinysrgb\&fm=jpg\&ixid=MnwxOTcwMjR8MHwxfHNlYXJjaHw2fHxwb3N0fGVufDB8fHx8MTY2MDU4ODAzMg\&ixlib=rb-1.2.1\&q=80)


# Understanding Projects

## How Projects work

Nullam quis risus eget urna mollis ornare vel eu leo. Fusce dapibus, tellus ac cursus commodo, tortor mauris condimentum nibh, ut fermentum massa justo sit amet risus. Maecenas sed diam eget risus varius blandit sit amet non magna. Fusce dapibus, tellus ac cursus commodo, tortor mauris condimentum nibh, ut fermentum massa justo sit amet risus. Etiam porta sem malesuada magna mollis euismod. Donec id elit non mi porta gravida at eget metus. Donec id elit non mi porta gravida at eget metus.

### The Basics

Praesent commodo cursus magna, vel scelerisque nisl consectetur et. Duis mollis, est non commodo luctus, nisi erat porttitor ligula, eget lacinia odio sem nec elit.

Fusce dapibus, tellus ac cursus commodo, tortor mauris condimentum nibh, ut fermentum massa justo sit amet risus. Aenean eu leo quam. Pellentesque ornare sem lacinia quam venenatis vestibulum.

### Creating a Project

Nullam quis risus eget urna mollis ornare vel eu leo. Cras justo odio, dapibus ac facilisis in, egestas eget quam. Praesent commodo cursus magna, vel scelerisque nisl consectetur et.

### Organizing your Projects

Sed posuere consectetur est at lobortis. Curabitur blandit tempus porttitor. Donec ullamcorper nulla non metus auctor fringilla. Donec sed odio dui.

Curabitur blandit tempus porttitor. Donec id elit non mi porta gravida at eget metus. Nullam id dolor id nibh ultricies vehicula ut id elit. Aenean eu leo quam. Pellentesque ornare sem lacinia quam venenatis vestibulum.


# Getting set up

<details>

<summary>Step1: Creating your organization</summary>

</details>

<details>

<summary>Step 2: Inviting your team</summary>

</details>

<details>

<summary>Step 3: Making your first post</summary>

</details>

<details>

<summary>Step 4: Publishing a post</summary>

</details>


# Setting permissions

{% hint style="info" %}
**GitBook tip:** your product docs aren't just a reference of all your features, use them to encourage folks to perform certain actions and discover the value in your product.
{% endhint %}

## Permission levels

There are 4 types of permission levels in the product.

<table><thead><tr><th width="180">Role</th><th>Capabilities</th></tr></thead><tbody><tr><td>Administrator</td><td>Has all admin privileges</td></tr><tr><td>Editor</td><td>Can edit posts</td></tr><tr><td>Viewer</td><td>Can only view posts</td></tr><tr><td>Guest</td><td>Can only view posts they are inivted to</td></tr></tbody></table>


# Inviting Members

{% hint style="info" %}
**GitBook tip:** Try out a range of different content types to keep folks engaged and interested in each feature, some content types work for different chunks of information
{% endhint %}

<details>

<summary>As a Guest User</summary>

</details>

<details>

<summary>As an Editor</summary>

</details>

<details>

<summary>As an Admin</summary>

</details>


# For Designers

{% hint style="info" %}
**Good to know:** depending on the product you're building, it can be useful to explicitly document use cases. Got a product that can be used by a bunch of people in different ways? Maybe consider splitting it out!
{% endhint %}

## Figma Integrations

{% tabs %}
{% tab title="Installing" %}
{% embed url="<https://www.figma.com/community/plugin/950514102619019349/Automater>" %}
{% endtab %}

{% tab title="Configuring" %}
Maecenas faucibus mollis interdum. Donec id elit non mi porta gravida at eget metus. Donec ullamcorper nulla non metus auctor fringilla. Donec sed odio dui. Donec ullamcorper nulla non metus auctor fringilla.
{% endtab %}

{% tab title="Customizing" %}

{% endtab %}
{% endtabs %}


# For Developers

{% hint style="info" %}
**Good to know:** depending on the product you're building, it can be useful to explicitly document use cases. Got a product that can be used by a bunch of people in different ways? Maybe consider splitting it out!
{% endhint %}

## GitHub Integrations

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{% tabs %}
{% tab title="Installing" %}
Sed posuere consectetur est at lobortis. Integer posuere erat a ante venenatis dapibus posuere velit aliquet. Aenean lacinia bibendum nulla sed consectetur. Maecenas sed diam eget risus varius blandit sit amet non magna.

```
string | ComponentClass<any, any> | FunctionComponent<any>
```

{% endtab %}

{% tab title="Second tab" %}
Maecenas faucibus mollis interdum. Donec id elit non mi porta gravida at eget metus. Donec ullamcorper nulla non metus auctor fringilla. Donec sed odio dui. Donec ullamcorper nulla non metus auctor fringilla.
{% endtab %}
{% endtabs %}