XPayFi Product Modules

1.XPayFi Minting Pool

The XPayFi minting pool uses a 1:1 minting mechanism where 1 USDT mints 1 XFI. XFI is issued via smart contracts with algorithmic control for liquidity and value stability. All minted funds are 100% allocated to ecosystem development and liquidity, ensuring long-term sustainability.

Token Distribution of Minting Proceeds:

• 30% for market buybacks and token burns

• 30% for price stabilization

• 40% to ecosystem liquidity pools

Minting Formula: XFI minted = USDT invested ÷ real-time XFI market price

Minting Rewards Structure:

• 30 days: 1.1x XFI reward

• 60 days: 1.2x XFI reward

• 180 days: 1.3x XFI reward

• 360 days: 1.5x XFI reward

Rewards are distributed daily and linearly over the lock-up period. The longer the commitment, the higher the reward.

Referral Rewards: Users earn 10% of referred users’ minting income, distributed in real-time in XFI — a direct incentive system: "Invite to earn."

2.XPayFi Pledge System

XFI pledging allows users to earn platform rewards and participate in governance. Smart contracts manage all staking operations transparently and fairly. Longer pledges earn higher returns, promoting loyalty and stability.

Pledge Periods: 15, 30, 90, 180, 360 days Annual Yield Range: 8–30% Dynamic Rate Algorithm: XFI staking follows a dynamic TVM-based yield algorithm: • When pledge ratios rise, returns decrease slightly to curb inflation • When pledge ratios fall, returns increase to incentivize new deposits

TVM Formula: FV = PV × (1 + r)^n Where: • PV = Present value (amount staked) • r = Interest rate per period • n = Number of periods

Redemption: After maturity, users may redeem or reinvest their XFI. Referral Rewards: Invitees generate 10% of their staking income in XFI for the referrer, automatically distributed.

3. System Integration

DID 3.0 (Decentralized Identity): XPayFi’s DID 3.0 offers: • Zero-knowledge proof authentication (privacy-preserving, no KYC) • Multi-chain ID aggregation from social, financial, and payment behavior • Triple authentication (biometrics + device ID + behavioral pattern) • Passwordless login, instant account creation, and seamless app integration

DID 3.0 meets compliance needs for institutions while granting users full data sovereignty. It is already deployed across 300+ use cases in cross-border commerce, DeFi lending, and public service applications.

Tokenized Bank Cards: XPayFi uses tokenization to replace sensitive card data with dynamic encrypted tokens: • Each card generates a one-time-use token • Reduces fraud by 85% through domain isolation • Supports global payments with dynamic FX rate optimization

Adopted by major payment systems like Apple Pay and Alipay, XPayFi’s system matches global standards.

Fee Model: Transaction fees range from 3% to 5% and are split as follows: • 1/3 to validator nodes (performance rewards) • 1/3 to XFI token buyback and burn • 1/3 to platform development fund

Pay-to-Mine (P2M): Every transaction grants users mining power: • $1 = 1 Contribution Point • Real-time mining based on transaction volume and merchant type • Daily 1% of minted XFI is allocated to the P2M pool

Reward Formula: User payout = (User Contribution ÷ Total Network Contribution) × Daily Pool Size

XPayFi’s Expanding Financial Ecosystem: • Consumer Finance and BNPL • RWA tokenization and trading platform • Programmable Finance Protocols • Web3 Payment Infrastructure & SDKs