Sunflower

Technology Services
Group Project
White Paper
Contents

1 Who is Sunflower Technology Group?

What does Sunflower Technology do?
How does Sunflower Technology operate?
Why choose Sunflower Technology?

2 The concept of Universal Benefit Concept of environmental protection

Concept of mutual assistance Win -win concept

3 Big Data Artificial Intelligence

Blockchain

4 Current status of credit Impact of COVID-19

Bank Bad Debts

5 Credit card user Credit card issuing bank

Lending bank Financial customers

6 Credit card repaymen CLSP

Bridge Fund Pool (BFP)

9
Since Sunflower Technology Services Group (hereinafter referred to as Sunflower Technology)
establishment in October 2018, with the mission of "bringing more win-win opportunities to
the world", Sunflower Technology is committed to providing global consumers and small and
micro enterprises with safe and convenient inclusive financial services by building an
open/shared credit system and financial service platform through scientific and technological
innovation capabilities.

In September 2019, Sunflower Technology integrates existing financial resources. Through the
research of blockchain technology, it integrates artificial intelligence technology, inviting
advantageous financial institutions from all walks of life in Europe and the United States to
participate, and officially announced the launch Mutual assistance services- "BFP". The plan
will help more than 1,000 financial institutions within 5 years to transform and upgrade to
new financial institutions.

In September 2020, with the support of Sunflower Technology, with the joint support of many
financial institutions, steadily advanced, gradually spread out in the two major regions of
Europe and Asia, accumulating a large amount of demand and industry data, and Sunflower
Technology as an Internet financial innovation practitioner. The interactive platform that
integrates with various open businesses, while reducing the innovative costs of financial
institutions, especially small and medium -sized financial institutions, help financial
institutions to transform and upgrade new financial institutions and explore the new ecology
together.
 Sunflower Technology opens technical access standards to provide partners such as credit
card users, fund providers, capital banks, merchants and other partners with mutual
assistance and decentralization platforms. As long as the Sunflower Technology Safety
access standards are met, credit or services can be quickly connected to Sunflower
Technology through network tools and blockchain technology to jointly provide financial
institutions with richer products, services and value. Sunflower Technology not only gives
partners strong technical support, but also uses the advantages of Sunflower's customer
group advantages and good brand and word -of -mouth effects to promote financial
services with the fastest speed and highest efficiency. , Safety and innovation, promote the
prosperity of the industry, and help inclusive finance.

Sunflower Technology has deeply cultivated the financial industry, explores the "cross -border
cooperation" to develop a financial technology platform with market competitiveness, and
revolves around the group's development strategy, open services to the industry and market
in stages in stages, and realize the cross -industry output of fintech.

Sunflower Technology's existing platform provides a variety of methods for credit

maintenanceers to maintain credit. Demanders can freely publish their help information on
the platform. Once the data review of Sunflower Technology, the help information will be
screened and match the most matching artificial intelligence. The helpful helper will
contribute to the maintenance cycle maintenance.

The existing platform of Sunflower Technology provides a variety of value -added services for
helpers, including CCR, CLSP, and bridge fund pool BFP.
• List credit card and consumer loans directly. (Asia, Europe, Australia)
• Provide services to all types of consumer assets. (Asia, Australia, North America)
• Invest in financial institutions, credit card companies, retailers, and other (Europe, America,
and Asia) initiated performance and bad custody.
• Consumer debt.
• Investment in real estate, corporate debt and structural asset purchase. (US, UK)
• Provide short -term bridge funds for large global institutions. (America, Europe)

Based on the big data information strategy of WEB3.0, Sunflower Technology combines all
business areas of financial credit (credit card, personal consumption loan, small loan, etc.)
industry -- market, credit, risk, operation and business technology into a single and flexible
information mutual assistance platform. The business purpose of the platform is to help
those cardholders/borrowers who are troubled by short-term repayment, and to serve all
kinds of credit card holders, small recipients and small and medium-sized enterprises, so as
to help them timely repay to banks and creditors and ensure that their credit is not
damaged.

Sunflower Technology integrates the needs and advantages of banks, consumer

merchants, credit card issuers, credit card users, helpers, insurance companies and
other parties. Through artificial intelligence and blockchain technology, it gives full play
to the best advantages of all parties while ensuring the security of funds, becoming a
perfect mutual aid closed loop.
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Sunflower Technology has been trusted by many capitals, especially European capitals, since
its inception. Many financial institutions from Switzerland, France, Germany, the Netherlands,
Austria, Sweden and other places have visited the headquarters to discuss in-depth
cooperation, and signed long-term cooperation agreements with many banks and insurance
companies.
Through years of efforts, Sunflower Technology has signed long-term mutual assistance
cooperation agreements with 235 banks, 3,028 merchants and 29 insurance companies.
Through the early test operation, more than 250,000 users have submitted their own help
information on the platform, and more than 100,000 users have benefited from the mutual
assistance tasks.

Since its creation, Sunflower's BFP pool has helped 6,800 companies survive the crisis,
involving more than $550 billion in capital. To this end, sunflower technology
accumulated a wide range of credit, recognized by institutions from all walks of life.
Sunflower Technology attaches great importance to scientific and technological innovation,
and has been committed to using science and technology to link trust since its establishment.
By integrating blockchain, AIoT, data analysis and intelligent risk control technologies,
Sunflower Technology provides trusted and efficient technical solutions for mutual assistance
platforms, and promotes win-win cooperation and value creation. According to a report
released by IDC, the platform ranked first in Asia's mutual assistance market share for two
consecutive years in 2020 and 2021.

Facing the broad digital future, we continue to improve our scientific and technological
capabilities, deeply cultivate core basic software technologies such as privacy computing,
blockchain, graph computing, distributed database and computing infrastructure, and green
computing, and focus on solving problems in digital development such as security and trust,
collaboration and consensus, association analysis of large-scale complex data, explosion of
storage computing scale, and reduction of energy consumption. To build a future-oriented,
secure, reliable and green digital technology base, and use technology to make data value
flow safely and reliably.

Sunflower Technology's technical reserves in these fields have been in the forefront of the
industry: for example, the number of patents authorized in privacy computing and blockchain
continues to rank first in the world; TuGraph, a large-scale graph database, is the world's
"fastest" graph database with a test record; Distributed database OceanBase is the first single-
machine distributed integrated database in the industry, which can help enterprises lower the
threshold for using data databases.
Sunflower Technology requires all help information to pass at least five layers of security
review, so as to ensure the authenticity and reliability of each help information. Participants
must read the relevant terms in detail to ensure correct understanding of all information of the
entire mutual aid behavior, and purchase commercial insurance for each mutual aid behavior
to ensure the safety of the helpers' funds.

Sunflower Technology through the big data system of WEB3.0, the security audit of each
cooperative object from multiple perspectives and multi-dimensions, to ensure that the bad
debt rate is within the controllable range. It set a core warning line that the bad debt ratio
must be less than 5%. Through data collection, since its establishment in 2018, the bad debt
rate has always been controlled below 2.5%.

From 2018 to 2022, bad account rate (%)

statistics table
CCR CLSP BFP
3

2.5

1.5

0.5

0
2018 2019 2020 2021 2022
In September 2008, the Alliance for Financial Inclusion was established in Bangkok, Thailand,
with more than 60 developing countries including Indonesia, Malaysia, Egypt and Brazil as its
main members. In September 2009, the G20 established the Expert Group on Financial
Inclusion in Washington, the United States. Digital inclusive finance is based on digital
technologies such as mobile Internet, network and communication services, mobile data and
cloud computing, so that people with insufficient financial services can enjoy a variety of
financial services provided by financial institutions and quasi-financial institutions in different
ways for a long time, including deposit, payment, financing, insurance, financial management
and other financial services. These services should be paid for and tailored to the needs of
the user, at prices that are affordable to the customer and sustainable to the service provider.
Digital inclusive finance includes digital innovation of original products by traditional
financial institutions, as well as Internet financial products provided by some emerging
quasi-financial institutions.

Relying on the Internet, network and communication services, cloud computing and other
digital technologies, Sunflower Technology breaks through the geographical restrictions of
financial services and guarantees the possibility of users receiving financial services to a large
extent. Users can carry out payment, transfer, investment and other services through the
digital mutual aid platform. The resulting transaction data can provide credit investigation
agencies with the basis for credit collection, so as to provide users with better financial
services.
With the core concepts of universal benefit, environmental protection,
mutual assistance and win-win, Sunflower Technology helps more people
stay away from the debt crisis through scientific and technological
innovation, and makes a more convenient, smarter and safer financial
system meet the needs of users. Sunflower Technology's customers'
greater access to information and ability to appreciate capital enables
mutual financial services.
Since its establishment in October 2018, Sunflower Technology Services Group (hereinafter
referred to as Sunflower Technology) has been accepted by more and more countries based
on the United Nations' definition of an inclusive financial system as a "financial system that
effectively and comprehensively provides services to all classes and groups of society". With
the development of the theory and practice of inclusive finance, its connotation and extension
have been constantly enriched, expanding from mainly focusing on microfinance to providing
multi-level and multi-type financial services such as payment, remittance, deposit, loan,
insurance and financial management.

With the progress of science and technology and the popularization of the Internet, a large
number of countries have upgraded financial technology to enable more people to
experience the convenience revolution brought by science and technology. However, there
are still many people in many countries who have not experienced this convenience, and they
have caused credit crises because they cannot find mutual assistance. Sunflower Technology
changes this status quo through the integration of resources and technological innovation, so
that more people are no longer burdened by debt, no longer burdened by trust.

Sunflower's mutual assistance platform enables cross-continental mutual assistance.

Previously, financial cooperation was limited to a certain region, and only people in the same
region could form a win-win model of mutual assistance. It is difficult for the two sides who
are far away to form a consensus, and they need to spend more time and energy on in-depth
understanding of each other. From tentative cooperation to building mutual trust, it costs too
much time and money. Now they only need to set up their own account on the platform of
Sunflower Technology, and all the trust data chain is completed by Sunflower Technology.
In addition, adhering to the concept of environmental protection, Sunflower Technology has
cooperated with environmental protection organizations in many places through Sunflower
Charity Foundation (SCF), and planted tens of thousands of trees in the name of customers
according to the data contributed by users on the platform. Many of these trees have become
the most important shelterbelts in the area. Sunflower Technology has also established a stray
pet protection fund, which has helped more than 5,000 stray pet protection organizations
obtain funds through the operation of the fund.

On 19 August, World Humanitarian Day, former UN Secretary-General Ban Ki-moon said it is a

historic opportunity for people to embrace the spirit of solidarity and change the lives of all of
us through the good we do. The overall resources of the earth are limited and highly unevenly
distributed. Under such circumstances, many people are faced with insufficient means of
production, and only spontaneous mutual assistance can solve this problem. Therefore, many
governments advocate mutual assistance among people and carry out various mutual
assistance activities on the Internet. Sunflower Technology adheres to the concept of letting
more people participate in mutual aid, solves the link from the demand end to the pay end, so
that mutual aid can be generated between the people of two countries, so that mutual aid
across continents, across races.

Sunflower Technology knows that only by solving the trust crisis can the core problem of
mutual assistance be solved, which is sustainable. Therefore, Sunflower technology deeply
develops technology in security guarantee, and ensures the accuracy of every piece of
information through big data and intelligent system evaluation, so that trust is unimpeded.
Win-win cooperation reflects the new trend of The Times. With the continuous progress of
economic globalization and IT application, the world is becoming more and more "flat", the
"global village" is becoming smaller and smaller, and "we are strong together and weak alone".
The concept of win-win cooperation conforms to the new reality of The Times and reflects the
new characteristics of the global trend.

Win-win cooperation has opened up new thinking in finance. This concept advocates
combining the interests of multiple parties, expanding the convergence of interests of all
parties as the carrier, seeking win-win, all-win and win-win results, and rejecting all forms of
zero-sum games. By integrating multiple resources, understanding the needs of all parties, and
putting the interests of all parties in the first place, Sunflower Technology has created a
situation in which all parties benefit.

Sunflower Technology adheres to the goal of customer satisfaction, creates value for
customers with value-added services, focuses on new products, new thinking, new technology
and intelligent acceleration innovation, constantly enriches the service connotation, improves
the service ability, and realizes the win-win development of the company and customers.
Sunflower's big data thinking includes holistic thinking, fault-tolerant thinking and related
thinking. Through the integration of the three kinds of thinking, the screening and screening
function of big data on information can be fully leveraged to form systematic thinking and
ensure the reliability of each piece of information.

The fundamental difference between "big data" and "small data" is that big data adopts the
all-sample thinking mode, while small data emphasizes sampling. Sample sampling is a
stopgap measure when data collection, data storage, data analysis and data presentation
technology cannot meet the actual requirements, or the cost is far higher than expected. With
the development of technology, the situation in the past where it was impossible to obtain
full sample data, store and analyze full sample data will be gone forever. The age of big data
is the age of full sample, and the scene of sampling will be conducive to small and eventually
disappear in the long river of history.

In the small-data era, we are used to sampling. Because of the sampling, the conclusions are
theoretically unstable. Generally speaking, the number of full samples is many times the
number of sampling samples, so a small error in sampling will easily lead to the conclusion of
"a miss is as good as a thousand miles". In order to ensure that the conclusions drawn from
the sampling are relatively reliable, people keep improving the sampling data and allow no
error. In the era of big data, because we collect the whole sample data, rather than part of the
data, anomalies, flaws, negligence and errors in the data are the actual situation of the data,
we do not need to make any clear, and the result is the closest to the customer's fact.
In the era of big data, we do not pursue sampling, but full sample. When all the data are
added to the analysis, cause and effect will not be established as long as there is only one
negative example, so in the era of big data, cause and effect becomes almost impossible.
Therefore, in the era of big data, more emphasis is placed on relevant relationships and
relevant thinking.

AI and machine learning technologies in fintech will help analyze large data sets in real time
with the ability to make improvements. As the demand for such services increases, AI and
machine learning become key to the sustainable development and growth of the financial
industry.

From loan applications to credit card scams to fraudulent wire transfers and false insurance
claims, fraud in financial activities has been on the rise over the past few years. These
fraudulent transactions can cost companies millions of dollars. In addition to financial losses,
businesses may also face negative customer experiences and damage to the company's
reputation.

Sunflower Technologies leverages machine learning solutions to combat fraud and

cybersecurity. Therefore, it is impossible to keep a close eye on every transaction that takes
place on a daily basis in the context of conducting large-scale financial business transactions.
However, AI-based systems will help monitor banking transactions in real time. Using this,
Sunflower Tech will be able to respond to fraudulent activities faster with greater accuracy.
AI helps Sunflower Technology to automatically and accurately verify customer identities.
KYC(Know your Customer) is one way to verify identity online, while another is using
OCR(Optical character recognition) technology, which will scan photos to identify their
authenticity.
Some of the other ways that AI is improving security in the field of digital payments are
through face and fingerprint recognition, voice recognition, etc. In this way, cyber attacks will
not be able to break in by cracking traditional passwords. While these processes still need to
be improved, human-supported security solutions will replace traditional usernames and
passwords in the future.

AI provides a big boost to data security at Sunflower Technology. Sunflower Technology

supports our customers with AI that powers chatbots. These AI models offer multiple
solutions aimed at enhancing security precautions, such as granting additional access rights,
resetting passwords, and others.

Another way AI is being applied to Sunflower Technology is to improve the search function
for deals. Ai can help people get a clear picture of spending and reduce the number of calls
to customer service agents.

As AI makes major improvements in customer service, customers are increasingly used to

getting a quick response. Sunflower Technology must answer customer questions and
conduct transactions around the clock. AI helps improve customer service by using
sophisticated sentiment analysis that focuses on identifying deficiencies, training chatbots,
and improving customer experience.
Algorithmic trading uses AI to perform financial tasks by using a set of pre-programmed
instructions that analyze and help make operational decisions. AI changes the way traditional
operations are done by minimizing millions of data points in real time. With the help of AI,
customers can get services and task recommendations more tailored to their circumstances.

Sunflower Technology's AI is also taking in new data and learning from it. AI-based systems
can quickly adapt to changing needs. In the future, AI in finance will minimize risk by making
informed decisions.

Sunflower Technology's AI can help predict user behavior with the help of payment apis, which
can bring even more benefits to the company. Say a user requests data about their expenses,
and AI can help predict behavior like subsequent requests on the server side and provide
information in the same response.

Sunflower Technology has millions of customers, and personalizing large numbers of them
manually becomes daunting. But, by personalizing services, we can make our customers trust
and increase brand loyalty. Because AI systems can learn on their own, our customers will be
better able to read customer data and deliver personalized experiences. The AI model analyzes
speech features and is able to identify true patterns.
By using AI-powered applications, Sunflower Technology has saved hundreds of millions of
dollars in labor expenses, resources, and capital. Because it takes more time to complete
the work manually, and the labor costs associated with it are very expensive. However,
processing small queries with AI may reduce labor expenses. In this way, Sunflower
Technology saves more costs and offers better service to attract new customers.

Previously, approval for clients to get help was time-consuming and involved a lot of
paperwork. However, Sunflower Technology's review will be able to get approved much
faster thanks to AI-based automation technology. The AI model evaluates creditworthiness
through validation checks and ensures that financial condition requirements are met.

The core technologies of blockchain mainly include consensus mechanism, data storage,
network protocol, encryption algorithm, privacy protection and smart contract.

Consensus
mechanism
s

Data
storage
Smart
Contracts

Blockchain

Network
protocols
Privacy
Protection

Encryption
algorithms
The basic feature of blockchain, "strong security mechanism under open architecture", is a new
security infrastructure in a sense. Unlike traditional "defensive" security technologies based on
cryptography, blockchain does not concentrate sensitive data to be protected "in the cloud"
and then try to build a "security fortress" against outside intrusion.

The security infrastructure represented by blockchain is a kind of global security. The data in
blockchain is "collectively managed and co-existed" and the location of storage changes at any
time. Only real and valid data will be connected to the chain, and forged data will be
automatically discarded by the system.

The data storage and flow of blockchain is not done by a single individual, but a global force.
Blockchain was first discovered and valued by Sunflower Technology because the financial
industry is the most sensitive to security, but traditional security architectures never seem to be
able to solve deeper problems well. The same is true for financial regulation. Traditional
regulation tries to use various means to eliminate financial risks, which is a passive defensive
mechanism. However, the financial regulation infrastructure based on blockchain enables
regulators to set up an open "fault tolerance" architecture and mechanism, and requires many
participants to conduct activities under this set architecture, supervise and restrict each other.
Even if a few participants do not follow the "rules of the game," the consensus mechanism
based on the whole will make the majority of participants immediately detect the situation and
automatically report, correct, and punish it.

This new regulation mode is an open and active global strong supervision, and the role of
regulators is to design a game game based on "Nash equilibrium", so that the regulators must
abide by the overall game rules (consensus), otherwise they will be eliminated automatically. In
the process of operation, regulators can actively promote the continuous iteration and
improvement of game mechanism.
Oyente is an automatic audit tool for smart contracts that can analyze smart contracts and
return possible bug attacks, including the famous DAO attack types. The tool analyzes the
object is bytecode, which is required for the compiler version of the proposed compiler, and
the docker runtime can only detect versions below solc 0.4.21.

The tool is an open source tool that can detect a variety of vulnerabilities, including integer
underflow, integer overflow, multiple check errors, Callstack deep attack vulnerability,
transaction ordering dependency (TOD), timestamp dependency, and Re-Entrancy
vulnerability. By executing this command greeter.sol, the security detection and analysis of the
above seven vulnerabilities can be carried out. It means that the code detection coverage is
99.5% and no vulnerability risk is found.

Mythril is a security analysis tool for Ethereum EVM bytecode. It detects security vulnerabilities
in smart contracts built by Ethereum, Hedera, Quorum, Vechain, Roostock, Tron, and other
EVM-compatible blockchains.
According to the credit data in North America (figure below), it can be analyzed that from
2017 to 2022, the overall total credit volume has increased year by year, and the increase rate
has been gradually amplified. More and more users are using credit to meet their
consumption and entrepreneurial needs. The overdue credit data in North America also show
that with the occurrence of the outbreak, more and more users cannot pay credit properly
because of the capital problem, which leads to the credit crisis and the emergence of bad
loans in various financial systems.

Data Sources：https://www.federalreserve.gov/releases/g19/current/
Data Sources：https://www.federalreserve.gov/releases/g19/current/

Credit users, lenders and the financial system are under increasing pressure. The problems of
life caused by the credit crisis have also made more people's inability to maintain their own
social quotes leads to more cost of living and work.
Data Sources：https://www.federalreserve.gov/releases/g19/current/

The credit crisis has become a serious problem in the society, which damages the interests of
many parties. Solving this problem is the starting point of Sunflower Technology, so that the
interests of many parties are safeguarded, and investors can have more stable and reliable
income, thus forming a win-win situation for all parties.
Social trauma, in the form of unrest, may not emerge quickly during or just after an epidemic.
It is true that a humanitarian crisis could hamper communications and transportation needed
to organize mass protests. Moreover, in times of stress, public opinion may be more
supportive of unity and solidarity. In some cases, the current regime may also use
emergencies to consolidate power and suppress dissent. So far, the situation in the COVID-19
outbreak is consistent with this historical feature. In fact, the number of major upheavals
worldwide has fallen to its lowest level in nearly five years. The United States and Lebanon are
notable exceptions, but even in those countries, mass protests have been directed at issues
that could be exacerbated by COVID-19, but are not directly caused by it.

Epidemics and social unrest

Countries with more frequent and severe pandemic outbreaks, on
average, also experience greater social unrest.
Incidents of social unrest per 100,000 population

Epidemics per 100,000 population

Advanced economies
Emerging economies
Low-income countries
Fitted value

Source - Emergency Database and authors' calculations.

Note - Incidents of social unrest are identified using a large rise in the Reported Social Unrest Index, which measures media
coverage of social unrest. Epidemic events are based on the emergencies database.

The International Monetary Fund

The social impact of COVID-19 has directly affected everyone's consumption and repayment
ability. Many users have been burdened with a large amount of medical loans and drug
expenditures due to COVID-19. Many credit users hope to maintain their social credit, but due
to the arrival of COVID-19, Forcing them to temporarily put the issue of social credit on hold,
forcing them to become a defaulted credit user.

COVID-19, social unrest and mobility

Social unrest and mobility have decreased during the pandemic

Percentage deviation from the baseline

Percentage

Monthly percentage of countries experiencing social unrest, bilateral three-

month average (%)

Google Turnover Index, traffic stops (right)

Source - Google Turnover Index and authors' calculations.

The International Monetary Fund

Since 2015, the bad debt ratio of the Bank has been increasing year by year, and it has
increased sharply under the impact of COVID-19. From the top chart, it is not difficult to find
that the bad debt rate and the total amount of bad debt of each institution have reached a
historical high.

The 2008 subprime mortgage crisis plunged many financial institutions into crisis, and the
financial systems of almost all countries in the world were affected to varying degrees. The
profound impact of COVID-19 has prompted the US to open QE restrictions, which once sent
the US CPI index above 8% for five consecutive months in 2022. The bad debt has left many
financial institutions on the brink of bankruptcy.
Credit users hope to have better service experience, more efficient repayment process, more
effective overdue reminder, and lower credit interest rate. In addition, when credit users are
faced with insufficient funds and cannot repay the loan on time, they hope to have a wider
repayment period, so that overdue repayment will not affect their social credit.

Sunflower Technology fully analyzes the needs of borrowers, and through the diversified
functions of the platform, helps borrowers to solve the problem of dishonor caused by
temporary insufficient funds. Borrowers can publish their needs on the Sunflower platform and
fill in their credit information and bill amount carefully. After approval, they only need to pay a
small amount of fee to complete the repayment of revolving loan.

As credit providers, credit card issuing banks themselves have a large enough capital pool, and
they hope to have more honest users. All credit users can repay loans on time without default,
so as to create a good environment for customers to consume in advance and reduce the bad
debt rate in the lending process to a minimum.

Sunflower Technology fully analyzes the needs of credit card issuing banks, and makes up for
the overdue funds caused by individual users through mutual assistance through the platform's
mutual assistance function. This will reduce the bad-debt ratio of banks and allow them to
concentrate on providing better lending services rather than spending a lot of manpower and
resources on collection.
Most banks' income comes from capital lending, which yields stable interest rate returns in the
lending process. Lenders want to have more honest individuals or institutions, so they will
spend a lot of energy to screen customers and investigate their clients' backgrounds, so that
the capital of lending can be screened without bad capital. Screening the qualification of
customers can effectively reduce the bad debt rate, but there are many cases of individual users
and institutional users unable to repay loans, and lending banks have no way to completely
eliminate overdue loans.

Sunflower Technology has fully analyzed the needs of lending banks, and through the BFP
function of the platform, it can make up for the bad debts of individual users caused by
financial problems by crossing the bridge. Lenders want to reduce uncertainty so that all
revolving credit is repaid on time, and Sunflower Technology solves that problem.

Individual and institutional clients with money want their capital to preserve and appreciate, so
they compound their capital in a variety of ways. With the occurrence of inflation, capital
preservation has become the most urgent need of capital owners. Although they can deposit
their capital in the bank and steadily receive part of the interest from the bank, the income from
this part of the interest cannot offset the currency depreciation caused by inflation, so they
need safer capital gains with higher yield.

Sunflower technology has fully analyzed the needs of financial customers, and the platform has
a variety of ways to complete stable profits. Customers can choose their own projects according
to their own capital planning, or choose one of them to optimize management through the
automatic matching of AI, so as to make their own funds play a greater role and obtain higher
and more stable capital gains.
Due to their own reasons, some credit card holders are temporarily unable to repay the
consumer bills on the repayment date. The card issuing bank will provide some schemes to
relieve the repayment pressure of the card holders. However, the repayment method provided
by the card issuing bank still requires the card holders to pay high renewal fees and interest. As
a result, many cardholders are forced to pay more. In order to maintain a good social credit,
card holder may find some entrusted people to help pay the credit card bill, and then swipe
the repayment amount in the form of credit card consumption, and return the funds to the
person. However, there is a certain risk in this way of entrusting others to repay it on behalf of
others. It is easy to be lured to informal special merchants to swipe credit cards for
consumption, and then steal credit card information and forge credit cards for illegal activities.
With the development of electronic payment technology, more and more credit cards have
used the new way of online payment, and some regular repayment platform institutions have
also been born.

Sunflower Technology's repayment platform will first obtain funds from capital contribution
users to help cardholders repay the bills that are about to be due, and then make online
payment at regular specially engaged merchants. The repayment funds will be fully withdrawn
through consumption and returned to the capital contribution users who provide the funds.
For this reason, the cardholder only needs to pay a small commission fee to complete the
current bill payment, and taking advantage of the revolving credit limit of the card, the
cardholder can continue to pay the subsequent bill in this way.

Sunflower Credit Card proxy return CCR platform uses AI and blockchain technology to
conduct multi-level screening of the capital and credit situation of the task sponsors, only
selects some proxy return tasks with normal credit card bills and no false information, and
matches the most suitable investors through big data algorithm. Six to eight hours after the
contributor submits the task, the task is completed, the fund is returned, and 1/1000 of the
fund is received as the task reward. The funder can complete the tasks in cycles and is not
limited by the number of tasks.
Credit loan has become the best solution for many people to solve their financial problems.
Many users will apply for their own credit repayment through the credit loan window of the
bank. As long as the user's social credit value is sufficient, this kind of loan is usually easy to
achieve. Such credit loans are usually large and require a lump sum or installment payment.

Due to some force majeure reasons, the credit user may not be able to repay the bill on time
on the credit repayment date, and the bank may collect the bill through the collection
company. If credit users breach the contract, they will need to pay a large amount of liquidated
damages, which may also affect their social credit, which will bring great inconvenience to their
future life and work.

Sunflower Technology's CLSP platform supports small loan repayment on behalf of credit users
can publish their own repayment needs through the platform. AI and blockchain technology
will verify the information for several rounds to ensure the accuracy of all information. In
addition, Sunflower Technology will contact the lending bank and sign cooperation
agreements. After signing the agreement, the AI system will match the most suitable capital
contribution users through big data for credit repayment.

On the CLSP platform, capital contribution users can use their idle funds to help some lenders
repay overdue loan bills, so as to get corresponding income. Each task completion period of
CLSP orders is 7 working days, and at the end of 7 working days, the funds and corresponding
earnings of the contributing users will be returned, and the contributing users can use their
own funds to complete the tasks in a cycle without being limited by the number of tasks.
Bridge loan, also known as bridge loan, refers to that after financial institution A obtains the
loan project, it has no ability to operate due to the temporary lack of funds, so it discusses
with financial institution B and asks it to help issue funds. This loan for B is called a bridge
loan.

In many countries, policy banks such as CDB/Export-Import Bank/Agricultural Development

Bank play the role of financial institution A, while commercial banks play the role of financial
institution B. Generally speaking, a bridge loan is a short-term loan, which is a transitional
loan. Bridge loan is an effective tool to directly capitalize the purchase opportunity, and fast
recovery speed is the *5 advantage of bridge loan. Bridge loans have short maturities of up to
a year, carry relatively high interest rates and are backed by some collateral, such as real
estate or inventory. Therefore, bridge loans are also called "bridge financing," "interim
financing," "gap financing" or "swing loans."

Sunflower Technology's BFP plays the role of financier. Through a lot of resource integration,
Sunflower technology has selected some listed enterprises with long-term cooperation and
trust. They have huge assets and capital flow. By assisting them to complete the reuse of
funds, we can achieve a win-win goal.

Sunflower Technology's BFP program supports users to choose products with different cycles,
which will have different revenue rewards for up to 1 year. Users can participate in a cycle to
obtain compound interest benefits.
Founder and CEO
Former Vice President of Dubai Technology Entrepreneur Park and head of the management
team that managed the region's largest and most influential technology hub "Dtec" for seven
years.
Hans holds a BA from Bentley University, an MBA from Hort School of Business, and
certifications in AI and blockchain from Oxford University and MIT, and he is a frequent
speaker on AI, blockchain, and entrepreneurship.
He serves on the boards of 13 companies, and has served as an advisor to two universities and
a founder (as CEO) of 3 startups across different continents, raising over $50 million in funding.

Vice President, Strategy and Corporate Development

An expert in the areas of IT governance, risk and compliance, with nearly 11 years of
professional experience in security leadership, auditing and consulting. Has played an
important role in establishing numerous successful enterprises in information security
governance, security technology optimization, security strategy, management system,
implementation, audit and compliance. Security thought leader with excellent project/project
management skills, able to coordinate and direct projects, all phases of the project, while
managing, motivating and directing geographically distributed teams.

Chief Operating Officer (COO)

Naresh is a Wharton School certified Global CFO and FCA with an illustrious international
career spanning over 20 years. Covering a wide range of professional services, These include
corporate finance, valuation, transaction services, mergers and acquisitions, due diligence,
feasibility studies, business combinations, intellectual property rights, intangible asset
valuation, purchase price allocation, IPO valuation, private placement, financial modeling,
transaction updates, stock exchanges, special assignments for the Ministry of Oil and Gas,
projects for the Ministry of Finance and the Ministry of National Economy.
Chief Financial Officer (CFO)
Evgeny is a financial professional with over 16 years of experience in international and US
private banking and insurance companies (Citibank, Alpha Bank, etc.). The projects
implemented by Evgeny include: corporate financing, management reporting improvement,
budget and business process optimization, financial strategy. At the same time, Evgeny is also
responsible for high net worth individual clients in different regions.

Founding Partner/Attorney at Sunflower Technologies

Kokila has over 15 years of experience as a corporate, commercial, media, and technology
attorney in the United States. With an LLM in Digital Economy from Monash University in
Melbourne, and clients that include large corporations, government and semi-government
agencies, high net worth individuals, and more, Kokila has been advising on corporate, real
estate, media and technology law. Kokila is also an avid fintech/technology lawyer with strong
entrepreneurial skills and extensive experience, and is catering to a niche where state-of-the-
art technology and corporate business laws and regulations are organically blended.

Chief Technology Officer (CTO)

A professional in blockchain and IT, Alex is certified as a Project Management Professional
(PMP) and has extensive management experience in the project management domain as well
as planning and control software. Many project management and financial systems have been
designed and developed to link technology with the investment and financial sectors through
blockchain. Recognized for their expertise in building complex systems in challenging
environments using a variety of modern technologies, skilled professionals with strong
analytical and innovation orientation, responsible for managing R&D teams and their
tasks/deliverables, designing technologies, reviewing new technologies and how they meet
certain requirements.
Business Development Director
Fintech enthusiast and supply chain expert with extensive experience in business operations.
Selected by ITU as one of 150 young social entrepreneurs skilled in using digital tools in public
service reporting, engineering and technology enthusiasts. Highly qualified professionals with
multidisciplinary skills in managing teams, projects, and corporate environments, with a proven
track record in CRM and exponential growth.

Chief Marketing Officer (CMO)

A leading marketing strategist passionate about spreading the right brand message and
corporate values. An entrepreneur who develops long and short term strategies and tactics for
business growth, creative strategies and innovative public relations specialty is experienced in
handling corporate events and activities.
 In 2025, Sunflower Technology will upgrade its platform to "sunflower3.0" and promote it
to more than 100 countries around the world. And successfully listed on Nasdaq, combined
with Wall Street capital in the United States to expand the scale of BFP, serving all enterprises
around the world.

In 2023, Sunflower Technology plans to roll

out "sunflower2.0" to the North and South
American markets to allow more people to
In August 2022, Sunflower Technology
participate in the mutual aid program. Help
released "sunflower2.0" to upgrade the credit
American users maintain social credit. The plan is
card generation return system and develop a
to exceed 50 million cumulative registered users
matching mechanism combined with the big
by the end of 2023. And started the preparatory
data system to make generation return easier. In
work for listing on Nasdaq in the United States.
October, Sunflower Technology entered the
Australian market, which was widely welcomed
by all circles in Austria and appeared in the eyes
of Europeans as a savior during the epidemic.
In November 2021, the cumulative
registered users of Sunflower Technology in its
trial operation in Asia exceeded 10 million. A
total of 39 million orders have been processed.
The cumulative amount of repayment exceeded
US $4 trillion. It helped 3.8 million people
maintain social credit, and controlled the bad In September 2020, with the support of HSBC,
debt rate below 2.5%, declaring that Saxo bank and a number of financial institutions,
Sunsunflower technology had achieved phased Sunflower Technology has made steady progress
success. and gradually expanded in Australia and Asia,
accumulating a large amount of demand and
industry data.

In September 2019, Sunflower Technology

integrated existing financial resources, through
the research on blockchain technology,
Sunflower Technology was officially
integrated artificial intelligence technology,
established in Singapore in October 2018. With the
invited advantageous financial institutions
mission of "bringing more win-win opportunities
from all sectors in Europe and the United
to the world", the company creates a mutually
States to participate, officially announced the
beneficial fintech platform. The mutual assistance
launch of the "Finance +" plan, launched a
platform "sunflower1.0" was officially released and
deeply customized mutual assistance service
piloted in Asia.
for financial institutions - "BFP"
Please read this white paper carefully in its entirety. Nothing contained herein constitutes
investment, legal or business advice and you should consult your own advisor before
participating in any activity related to Sunflower Technologies. No member of Sunflower
Technology or any service provider working on Sunflower Technology in any way shall be
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The following information may not be exhaustive and does not imply any element of the
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As a result of the use of this White Paper or any other material published or its contents
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In addition, this white Paper may be amended or replaced from time to time due to changes in
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References to specific companies and platforms in this white paper are for illustrative purposes
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We hereby expressly disclaim any liability and disclaim any liability for:

• Delays or rescheduling of the development of Sunflower Technology resulting in a failure

to meet any published timetable;

• Sunflower Technology fails to meet any particular purpose, or is not fit for any particular
use;

• Failure to disclose in a timely and complete manner any information related to the
development of Sunflower Technology;

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• Any damages, losses, claims, liabilities, penalties, costs or other adverse effects arising out
of, incidental to or related to the risk factors disclosed in this White Paper.