Introduction Last updated: 2021-08-03

Welcome to Geld Finance! This page provides an introduction to the protocol.

Welcome to Geld Finance!

Geld Finance Whitepaper

GELD FINANCE is a Multi-chain, Hyper-deflationary, Launchpad, Swap platform and staking which provides a powerful product-oriented eco-system that supports higher end blockchain projects to targeted user audiences.

DeFi tokens (Decentralized Finance Tokens) are financial applications that run on blockchains and mirror concepts that have been successfully used in traditional banking and finance. The key idea is to recreate financial services in a decentralized way without any third party's, such as a bank, intervening.

Instead, trust is placed in written code (smart contract) that is deployed to a blockchain network and allows interest to be earned, loans to be obtained or digital assets to be traded, and more, without relying on a third party.

GELD FINANCE token proposes a solution that combines the benefits of perpetual, easily accessible and profitable rewards for all with a smart and complex monetary solution that allows the protocol to stay healthy in all market conditions, where inelastic fixed supply tokens are vulnerable to shocks. In addition, there is a memeable artwork design, an upgradable contract, and an overly ambitious, dedicated, and well connected team. Supporting many investment strategies, GELD FINANCE Token is a credible financial tool for holders and traders alike and can be used

Architectural Overview

GELD Finance Token will initially be built on Binance Smart Chain and Ethereum Smart Chain. Geld Finance Token was designed with modularity in mind. Every part of the Geld Finance's system is upgradeable, allowing various components to be replaced as better techniques and competing implementations emerge. The protocol logics are based on four fundamental pillars: Management, Policy, and Volume. Their interactions with each other are critical to the underlying functions and their value, feeding the vaults at the core of the economic model and using their applied functions


Allows the community to:
  • Manage the aggregation of the reserve asset ($BNB)
  • Add locked liquidity to the LP on the DEX via temporary vault.
  • Claim rewards generated in the main wallet
  • Launch the protocol when conditions are met.
  • Staking are done within the ecosystem with the maximum APY(Annual percentage Yeild)

Policy (Monetary)

Will allow the protocol to:
  • Ensure flexibility, stability, and execution of vital functionalities.
  • Maintain constant yield generation within the main wallet
  • Maintain the tax/burn system to ensure deflation of native supply and inflation of reserve assets within the vaults.
  • Maintain ever-rising price floor by adding monetary value to liquidity pool and main vault.


Allows the ecosystem to ensure:
  • Buys and sells are contributing to overall yield generation. The higher the volume, the bigger the main vault, the faster the deflation, the faster the native token price appreciation, the higher the yield, the faster the collectable rewards for holders.
  • Acceleration of the protocol value and a rising cyclic price floor.
  • Deflation of supply.

Team Commitment

We are committed to this project, for the long term, in order to build something that we as a community look at in the future and are proud to say we were a part of and that generates the most amount of benefit for our community and the charities we will be supporting.

Because of that, and because of the nature of the cryptocurrency market at present, we are making a number of commitments as a team in order to show our community that they will gain more by looking to the long term future of the project, and that this project is Rug Pull Proof.

We will announce the ownership of the token smart contract upon launch, preventing our devs and team from being able to modify the contract or executing any kind of malicious code that could be stored.

By logic alone, after that 2 month point we will gain more from continuing to grow our project than abandoning it like many (ponzi) founding teams sadly do – meaning that our community won’t have to trust us.. although we hope that our actions over the next 2 months.

General Overview

The GELD Finance Token's protocol is designed to run in perpetual cycles, during which it burns from it's initial circulating supply on the end of the first month until it reaches its programmed minimum of 12.5 percentage of the total supply. At the same time, it builds up a protocol backing reserve (Main Vault) containing $GELDF, which acts as price anchor and makes itself available as a sophisticated reward system for holders of the native $GELDF token.

Multi chain Incubator

Geld Finance supports multichain ecosystem mainly bsc and ether chain the token are available in bscscan and etherscan websites. Geld Finance can be viewed on the explorer using the smart contract address of the token. Geld Finance initially supports BEP 20 and ERC 20 standards which will be expanded to other blockchain such as polygon, harmony.

BEP 20 Standard

BEP-20 is a token standard on Binance It's Smart Chain that extends ERC-20, the most common Ethereum token standard. You can think of it as a blueprint for tokens that defines how they can be spent, who can spend them, and other rules for their usage. Due to its similarity to Binance Chain’s BEP-2 and Ethereum’s ERC-20, it’s compatible with both.

BEP-20 was conceived as a technical specification for Binance Smart Chain, with the goal of providing a flexible format for developers to launch a range of different tokens. These could represent anything from shares in a business to dollars stored in a bank vault

Of course, one could equally create a native asset as a BEP-20 token, or even peg tokens from other blockchains to make them usable on Binance Smart Chain. This is what’s done with “Peggy” coins, which are essentially BEP-20 versions of other crypto assets (such as LINK or XRP).

BEP-20 token transfers are fuelled with BNB. This provides an incentive for validators to include the transactions in the blockchain, as they’ll collect the BNB as a fee for their troubles. Binance Smart Chain was envisioned as something of an extension to Binance Chain. With dual chain architecture, both chains are complementary – Binance Smart Chain caters to decentralized applications without congesting the original chain, which is optimized for ultra-fast trading.

ERC 20 Standard

The ERC-20 introduces a standard for Fungible Tokens, in other words, they have a property that makes each Token be exactly the same (in type and value) of another Token. For example, an ERC-20 Token acts just like the ETH, meaning that 1 Token is and will always be equal to all the other Tokens.

The ERC-20 (Ethereum Request for Comments 20), proposed by Fabian Vogel Steller in November 2015, is a Token Standard that implements an API for tokens within Smart Contracts.

It provides functionalities like to transfer tokens from one account to another, to get the current token balance of an account and also the total supply of the token available on the network. Besides these it also has some other functionalities like to approve that an amount of token from an account can be spent by a third party account.

If a Smart Contract implements the following methods and events it can be called an ERC-20 Token Contract and, once deployed, it will be responsible to keep track of the created tokens on Ethereum.


Exposes details about tokens and related operations in the environment in a simple, intuitive dashboard.

Visualize smart contracts, balances, token owners, minters, transfer activities, and more. The Token Explorer takes advantage of the organizational information and decorates the account addresses with human readable information.

A blockchain explorer is a piece of software that uses API and blockchain node to draw various data from a blockchain and then uses a database to arrange the searched data and to present the data to the user in a searchable format.

User’s inputs are searchable terms on the explorer which are then searched through an organized table on the database. The explorer will already have organized data from a blockchain into the table format.

For most users, a blockchain explorer will allow you to search and explore data about recently mined blocks or recently carried out transactions on a blockchain. Ideally, they allow you to view a live feed of blocks as they are mined, as well as the data related to the blocks.

Blockchain explorers are the Google of cryptocurrencies and blockchain. They allow users to access different details related to transactions on specific wallet addresses and blockchains including amount transacted, sources and destination of funds, and status of the transactions.

They can be used to extract virtually any data related to transactions, wallets, and blockchains including rich lists and hidden messages.

Proof of work (POW)

Proof of Work (PoW) is the mechanism that allows the decentralized network to come to consensus, or agree on things like account balances and the order of transactions. This prevents users "double spending" their coins and ensures that the Ethereum chain is incredibly difficult to attack or overwrite. The proof-of-work protocol, requires miners to go through an intense race of trial and error to find the nonce for a block. Only blocks with a valid nonce can be added to the chain. POW is also responsible for issuing new currency into the system and incentive for miners to do the work. Because miners work in a decentralized way, it's possible for two valid blocks to be mined at the same time. This creates a temporary fork. Eventually one chain will become the accepted chain once a subsequent block has been mined and added, making it longer.

Proof of stake (POS)

To be eligible to participate, users are required to deposit and risk a large number of cryptocurrency, this is known as a “stake”. People who provide a stake (known as “forgers”) are randomly selected to record and verify information on the blockchain. Forgers participating in proof of stake cannot spend or move their stake. If they are caught recording false information or doing something against the rules, they risk forfeiting their entire stake. In most proof of stake systems, the larger your stake the greater your chances of being selected to record and verify the blockchain. Forgers are willing to endure the cost and risks of staking for the chance to earn transaction fees paid by users of the system.

Proof of Burn

  • Coin burning is the process by which digital currency miners and developers can remove tokens or coins from circulation, thereby slowing down inflation rates or reducing the total circulating supply of coins
  • By reducing the number of tokens in supply, developers and miners hope to make the tokens that remain in circulation rarer, and thus more valuable.
  • Proof of burn (PoB) is one of the several consensus mechanism algorithms implemented by a blockchain network to ensure that all participating nodes come to an agreement about the true and valid state of the blockchain network.
  • These tokens are then transferred into a frozen private address called a Burn address. It’s a one-way address with no ability to reverse the transaction or withdraw the coins - the burn address to which the tokens are sent can never be recovered because there is no private key corresponding to that address.

Road Map



Market Research

Project Brainstorming

Team Formation



GELD Finance Testnet Launch on Binance Smartchain

GELD Finance Testnet Launch on Ethereum Mainnet

Read More



GELD Finance web Application

Launch SocialMedia Sites

(Twitter, Telegram, and More..)

Read More



GELD Finance Mainnet Launch on Binance Smartchain

GELD Finance Mainnet Launch on Ethereum Mainnet

Apply for listing on Coin Gecko

Apply for listing on Coin Marketcap



Apply for decentralized exchange listing

GELD Finance Launchpad development

GELD Finance Staking development



Geld Finance Swap Platform Development

Partnership with Any Swap for Bridging

Listing on more exchanges

Listing on more centralized exchanges



GELD Finance Yield Farming and DeFi Staking Pool Development

Mobile Application development for Android & IOS

Governence GELD holders will be able to purpose, Vote and approve proposals

Build Partnership with Largest Social Media Platform

Features of Geld Finance

Geld Finance Token is the core governance token of the staking and other non-launchpad products, which can control things like trading fees and discounts on trading.

  • Launchpad
  • Staking
  • Liquidity Swap
  • Profit Burning

Benefits For Investors

  • Individual investors
  • Multiple ways to access to early stage project investment in desired sectors
  • Fair allocation and minimized front-running by bots
  • Institutional investors
  • Transparent investment opportunities to secure allocation to fulfill thesis
  • Assess their investment by participating in an ecosystem where users are ready to test and grow these products

Geld Finance Launchpad

Geld LaunchPad allow investors to buy into new cryptocurrency projects before the tokens are publicly released. The Geld Finance Launchpad is a fair platform for conducting IDOs for impracticable projects.

To fully understand how launchpads work, you need to understand how new crypto projects raise money for their product or service.

  • A new project comes up with a product or service they want to develop.
  • They create a token that will form an integral part of their planned platform
  • They sell these tokens first to early investors to raise money.
  • The token is then released in the public market
  • As the project grows and the token’s price increases, investors make money, but earlier investors who got in at a cheaper price make even more.

Geld Finance pave path for their users and potential investors looking to buy into new projects. Investors also relied on the vesting process used by our system, thus reducing the risks of them investing in apparent scams.

Allocation Master

The Allocation Staking contract is long-running and manages all state related to users allocations. On many traditional launchpads, users get allocation by staking a platform token. This way, every user that wants to participate will be guaranteed an allocation via staking. This avoids problems like IDO bots that frontrun fair participants who want to buy into an IDO. For example, on the Binance launchpad, users stake BNB to get allocation. Binance then calculates user allocations based on BNB stakes at various randomly determined snapshot times.

The Geld Finance Launchpad innovates on allocation staking by determining allocation as proportional to stake amount held over time. This allows us to measure interest in a way that is both fair for everyone and hard to manipulate. By designing our allocation staking system so that the tokens only generate stake as they're held over time, allocation on our platform becomes a measure of opportunity cost, and opportunity cost makes economic exploits infeasible. As an added benefit, this makes ahead-of-time knowledge of the snapshot block unprofitable, and no longer necessitates having a provable source of randomness to determine when the snapshot block should occur.

Allocation Sale (first IDO stage)

The allocation sale is the first stage in our IDO process for selling a token. All project tokens will first be available through the allocation sale, offering everyone the fairest chance at obtaining guaranteed stake in the sale.

The Allocation Sale contract is a contract for conducting fair, one-off, fixed-price sales where users have guaranteed allocations managed by the Allocation Staking contract.

Users first stake to obtain allocation via the Allocation Master. Then, an Allocation Sale is set up to read allocations from a particular block, and conduct a sale based off of allocations at that snapshot.

The allocation sale contract is configurable to a variety of sales. It is possible to set up sales with whitelists, sales with minimum purchase amounts, and "giveaways", where the cost of the sale asset is 0 (used with a maximum redemption amount and a whitelist).

Declining Price Sale (second IDO stage)

After the allocation sale, remaining unsold tokens will be sold in a first-come-first-serve manner through a declining price sale. This allows for more efficient price discovery and also allows the project team to perform complete distribution of the tokens set aside for IDO.

Project Team deserve rights to claim the unsold tokens back.

GELD Finance Staking

Crypto staking is a trend that has emerged in response to the growing energy demand resulting from Proof-of-Work (PoW) protocols such as the one used by the bitcoin (BTC) blockchain to validate transactions.

In essence, staking cryptocurrency involves acquiring and setting aside a certain number of tokens that will be used to validate the transactions made through the blockchain. This innovative protocol, known as Proof-of-Stake (PoS), is less energy-intensive as it eliminates, or at least reduces, the need for using a lot of mining equipment to keep the blockchain secure.

Geld Finance staking produced income is offered in the form of interest paid to the holder, while rates vary from one network to the other depending on several factors including supply and demand dynamics.

Geld Finance provides platform for the users to gain more profit(APY 45-60%) than the existing staking providers using the staking process.

Once staked, you need to register for every IDO, so we can calculate the guaranteed allocation. Once registered, we lock your tokens, but you still can participate in other IDOs.

Staking Deposit Address: 0xA0A395Ee66300b5FF9bF7021794286861586ac93

$GELDF Launchpad Participation Levels To be eligible for any of the tiers you are required to stake the following:

  • 2000 GELDF for chance [1x] Locked for 5 days (Lottery Basis)
  • 4000 GELDF for chance [2x] Locked for 5 days (Lottery Basis)
  • 6000 GELDF for chance [3x] Locked for 5 days (Lottery Basis)
  • 8000 GELDF for mandatory allocation[1x]Locked for 3 month
  • 16000 GELDF for mandatory allocation[2x]Locked for 3 month
  • 32000 GELDF for mandatory allocation[3x]Locked for 3 month

GELD Finance Swap Platform

GELD Swap is a decentralized exchange that allows users to swap among BEP-20 tokens (the latest token standard from Binance Smart Chain) based on the AMM automated market creation protocol. GELD Swap uses PancakeSwap’s router.

GELDF is the Governance token of GELD Finance. GELDF holders can earn GELDF by staking/locking them in the 15,30, 60-Days Lockup Staking Pool and can get access to pre-sales of new projects (Launchpad section) . GELDF can also be combined with BNB to provide liquidity to GELDF Swap and thus get higher APR rewards. GELDF will be used to vote when GELDF governance is implemented.

GELD Finance Profit Burning

Geld finance introduced a potential way of income to the geldf holders that include burning and staking.

Geldfinance infuses its 50% of the private sale amount to the trading on the segments of Forex, cryptos, and commodities. Since Geldfinance has a strong trading desk, we can expect a decent amount of profit in returns on a regular time frame.
The overall profits from the trading will be split into two sections.
1.55% for Burning
2.45% for staking.

The 55% will be used for the company's operational cost and development. The equivalent amount of geldf token(55% of the profit) will be burning which proportionally increases the price of the token.

The 45% percent of the profit will be equally split to the geldf holder as a usdt token.

Staking consist of a dual-income scheme
1. Fixed returns
2. Variable returns

Fixed return.
The geldf token staker will receive the staking reward of 120% APY.

Variable Returns:
The 45% percent of the profit will be equally split to the geldf holder as a usdt token.

Private Sale Structure

In September 2021, we announced the successful close of the GELD Finance private raise. In the coming days we will be talking more about the GELD Finance public sale and token generation event.

We structured our raise so that long term supporters benefit. The Private round was accessible to long-term supporters, those who supported and incubated GELD Finance. The private round was extended out to strategic investors in the crypto and collectibles ecosystems who would provide marketing support and open doors to help us grow the business.

We have worked with the 2021 investors to ensure an equitable arrangement and believe we have done the best possible by all parties. We expect the majority of 2021 investors to be long term supporters and don’t expect large dumps of their unlocked tokens.

Private Sale tokens are locked for One year and then distributed 10% per month on the over 1+ years.

Private Sale Allocation

I. Bullhorn Ventures

  • Total Token% : 1.5%
  • Token Amount: 7,500,000
  • Token Sale Price : 0.03
  • Total Amount (USD) : $225,000
  • Vesting : Locked for one year and then distributed 10% per month on the over 1+ years.

II. Maple Investment

  • Total Token% : 1.7%
  • Token Amount: 8,500,000
  • Token Sale Price : 0.03
  • Total Amount (USD) : $255,000
  • Vesting : Locked for one year and then distributed 10% per month on the over 1+ years.

III. Peer2peer Tech

  • Total Token% : 1.8%
  • Token Amount: 9,000,000
  • Token Sale Price : 0.04
  • Total Amount (USD) : $360,000
  • Vesting : Locked for one year and then distributed 10% per month on the over 1+ years.

IV. Vault Marketz

  • Total Token% : 2%
  • Token Amount: 10,000,000
  • Token Sale Price : 0.04
  • Total Amount (USD) : $400,000
  • Vesting : Locked for one year and then distributed 10% per month on the over 1+ years.

GELD Finance Tokenomics

The total Geld Finance token issuance was 500 million, and the public offerings are carried out in multiple phases. If at the end of any stage there are some Geld Finance tokens left, they will be distributed to the top participants to help the Geld Finances economy.

  • Token name: GELD Finance
  • oken Symbol: GELDF
  • Token standard: BEP-20, ERC-20
  • Blockchain platform: Binance Smart Chain, Ethereum Mainnet
  • The Smart Contract Adresses for BEP-20 Tokens is:
  • The Smart Contract Adresses for ERC-20 Tokens is:

Foundation Reserve-20%

The Smart Contract address controlling Foundation Reserve BEP-20 tokens is:

The Smart Contract address controlling Foundation Reserve ERC-20 tokens is:

The tokens are locked for one year and released in:

These funds will be used to ensure the Geld Finance growth in the upcoming years.

Reserve Fund-8%

The Smart Contract controlling Team and Advisors tokens is:

These funds will be used as Team and Advisor's compensation for their work on Geld Finance project. As everyone in the team firmly believes in the project’s future and the increase of the Geld Finance tokens value, none of the team members intend to sell their tokens in any near future.

Business Development & Strategy - 8%

The Smart Contract holding Business Development & Strategy tokens is:

These funds will be used for Business Development & Strategy for the development of Geld Finance project.

Our goal is to build a strong foundation of the project with strategic partnerships and collaboration with the right people.

Eco System-12%

These tokens are immediately available for the current project expenses, deposits, partnerships, and general Geld Finance development.

The Eco-System Reserve address is: 0xC65771AE1084598bd93B22F85724A5327E77df8b

The Tokens Eco System will be utilized for building the community of Geld users even more stronger.

Staking & Burning - 25%

These Tokens are utilized for providing the staking rewards to the Holders and burning will be done on monthly based on the profit gain.

The Staking & Burning Reserve address is: 0x7153B07212f84F75A273bFd1d83D4Ef38eFd0462

None of the tokens from the Staking & Burning Reserve will ever be sold on any exchanges.

Information about our Public Offerings

Phase A - Private Sale - 7%

Private Sale - I

The Smart Contract address controlling Bullhorn Ventures Reserve tokens is:

The tokens are locked for one year and released in:

Private Sale - II

The Smart Contract address controlling Maple Investment Reserve tokens is:

The tokens are locked for one year and released in:

Private Sale - III

The Smart Contract address controlling Peer2peer Tech Reserve tokens is:

The tokens are locked for one year and released in:

Private Sale - IV

The Smart Contract address controlling Vault Marketz Reserve tokens is:

The tokens are locked for one year and released in:

  • Investor's Data (KYC): NO
  • Receiving Geld Finance tokens: Automatically, sent by our Smart Contract

Phase B - ICO Sale - 4%

  • Dates: 30-SEP-2021 to 28-OCT-2021
  • Hard cap: $1,200,000
  • Base price: 1 Geld Finance= 0.06$
  • Min/Max investment: 20$/6000$
  • Investor's Data (KYC): Yes
  • Receiving Geld Finance tokens: Automatically sent by our Smart Contract: 0xf2f7c8fa5bd4d9c679cf80474ca2a2b3ed4bd20c

Phase C - Public Sale - 16%

The Smart Contract address controlling Public Sale tokens is:

  • Dates: 04-NOV-2021
  • More IEOs will be announced later
  • Base price: 1 Geld Finance= 0.07$
  • Investor's Data (KYC): to be announced/depends on the exchanges
  • Receiving Geld Finance tokens: From exchanges or Geld Finance company Listing on exchanges:

Listing on exchanges:

pancakeswap 0-1 weeks from the end of the ICO Other DEX and CEX exchanges: As soon as possible

Legal Disclaimer

In classical economics, it is said that the greater the fluctuations in the price of an asset, the greater its investment risk. The traditional stock market is considered quite steady as stock prices are largely and directly correlated with the company's performance. On the other hand, the cryptocurrency market is more dynamic, and at the same time riskier, because crypto currencies can depreciate as quickly as they grow in a short period. As it is still a very young market, the lack of liquidity can cause huge movements in the price of a particular cryptocurrency, as well as favors manipulation by the largest players. Some of the crypto projects launches, tokens are not evenly distributed at the public distribution phases. When a small group of investors owns too many tokens, there are little coins on the market that investors are fighting for. It's likely to see a direct dump of a large number of tokens on the exchange, causing gigantic decreases in the price of the asset, and thus, an avalanche outflow of capital, leaving many with wallets full of tokens that represent a marginal value. The experienced investors migrate with capital to exit the project, whereas the remaining token holders hope for a miracle that will raise the price of their asset to the previous levels. Unfortunately, this rarely happens and usually it’s the beginning of the end for the project (rug pull).In crypto trust is placed in written code (smart contract) that is deployed to a blockchain network and allows interest to be earned, loans to be obtained or digital assets to be traded, and more, without relying on a third party. If holders of a typical DeFi token want to earn high interest on staking or yield platforms, they typically have to expose themselves to several risks, such as loss of control over holdings, insecure/badly written smart contracts, and extremely volatile market conditions, coupled with an immature token economy whose value is only supported by its own underlying token and its experimental utility. In most cases, the applied monetary policy does not allow for sustainability or longevity of these projects, creating a bubble that will inevitably implode due to its corrupt and inflexible nature. In addition, the associated gas costs and the numerous transactions/interactions that end users must initiate along the way make this system error-prone and expensive. These inefficiencies ensure that the general public cannot be effectively reached due to low accessibility, high financial risks, and general fear factors (e.g., crypto project fraud rates, unregulated markets). The introduction of frictionless revenue generation has opened up DeFi to a wider audience, as it simplifies most user interactions via automated logic and rewards holders by passing a small portion of the protocol tax to all holders of the specific token, while another tax portion seeks to preserve token value via deflationary measures such as token burning. But the problems that remain are the overall profitability and fair distribution of rewards, the insufficiently maintained sustainability and stability of the protocol's ecosystem (implosion/monopolization), and the inability to update the smart contract logic and the lack of an advanced and well-executed marketing strategy aimed at achieving mass adoption through high, fast, and low-cost accessibility of the project. Participating in an IDO is a high-risk activity. This IDO is intended only for experienced professionals who are familiar with blockchain technology, cryptocurrency trading and trading in other marketing tools. By participating in this IDO, the Buyer is aware of and accepts the risks related to security, possible failure to achieve technical and economic results, and total or partial loss of its capital. Finally, the Buyer declares to be aware of the legal uncertainty of this type of transaction and to have carried out its own legal consultation in accordance with the applicable law to which it is subject. The Token does not in fact grant any financial (income, capital, or dividend) or voting rights in the project. The Token is a crypto asset issued by the Decentralized Autonomous Platform (Project) through the IDO and used by Geld Finance team members and the community. No other rights are transferred to the IDO. More specifically, the only obligation of the Project is to distribute the Geld Finance Token certificate under the conditions defined in the official publications. Sales restriction Warnings IDOs are high risk operations due to their experimental nature. By participating in this operation, participants declare that they understand and assume the following risks: (1) the lack of regulation: the buyer agrees not to take advantage of any guarantees associated with IPOs in regulated financial markets or other investments. (2)Capital loss: the buyer accepts the risk of full or partial capital loss in cryptocurrency or in the token. (3)Volatility or market risk: the value of Tokens, just like crypto currencies in general, can be extremely volatile and subject to significant and largely unpredictable fluctuations. (4)In addition, the market, or markets in which these tokens are traded do not offer the same guarantees that generally apply to traditional financial market