DIFX

Digital Financial Exchange

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INTRODUCTION
DIFX is a blockchain-based cryptocurrency exchange platform that brings
significant and long-lasting disruptive alternatives to the trading of financial
products by creating the first fully-insured cross-asset trading platform that
will connect individuals, prime brokers, corporations and solve real-world
payment problems by providing simple, effective, and secure payment and
trading solutions across borders.

DIFX aims to address many of the issues that existing exchange platforms
face by leveraging blockchain technology to provide a secure, fast, and
easy-to-use cryptocurrency exchange and trading solution with a low
transaction fee. That is not all; we also have a Blockchain-powered currency
that is the native currency of the DIFX ecosystem with which transactions
will be carried out between users.

The Blockchain was ranked one of the top 5 emerging technologies in

2019 by the World Economic Forum, and it is speculated to hold 10% of
worldwide gross domestic product (GDP) by 2025. Currently, it has already
surpassed $1 billion in global investments. It has also been forecasted that
every entity in the finance sector will be affected by it.

Extensive research on the users of remittance, financial, and exchange

gateways has revealed that users are only managing the existing ones
as they don't get maximum value from their money and are not truly
satisfied with the services they get. This shows that it is clearly time for
a ground-breaking solution like ours to hit the industry and change the
status quo.

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This unique comprehensive ecosystem is redefining the global online
trading landscape. DIFX ecosystem offers the following dimensions:

• Exchange Platform
• Liquidity Provider
• Institutional Desk
• Leveraged Trading
• Custodian Services
• Insured Crypto Wallet (For iOS & Android)

This whitepaper is written to give users a deep insight and

understanding of the network and product line built by DIFX.

DIFX VISION
We envision using our immutable ledger technology for the unbanked, by
creating a revolutionary exchange that is fast, secure, and efficient. Our number
one priority is to bridge the gap between digital and traditional assets, thereby
establishing a new financial order. Quite simply, the vision is to create an
ecosystem that is beneficial to all traders, whether new, inquisitive start-ups or
seasoned clients.

First, DIFX stands for Digital Financial Exchange - DIFX which was created as
an amalgamation of all the traditional investment assets and the new millennial
crypto assets in one which emphasizes our traditional roots and digital
forward-thinking. We wanted to create a platform that is central for all types of
financial individuals and institutions.

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DIFX MISSION
Our prime objective is to optimize the use of blockchain technology to make
financial transactions more robust, secured, insured, transparent, and hassle-free.
Moreover, our technology is solving the accessibility challenges in regular digital
asset use. Where adoption is the key and as a part of our CSR activity is also
to educate inquisitive learners thereby bridging the gap between seasoned
blockchain enthusiasts and newcomers.

DIFX Values
1. Integrity - Integrity at DIFX is in our core DNA which commences
with commitments, punctuality, dedication, and customer focus.
Our objective is to make money with our customers rather than
making money from our customers. Additionally, also our policies
have been in providing due credit to the staff as and when it is
required.

2. Aspirational - We strive to be aspirational, motivated, and

united in achieving our mission and vision. We don’t believe
that sky's the limit, our philosophy is that there is “no limit”. We
dream big, challenge, motivate, and exceed ourselves.

3. Teamwork - Human Capital is always an asset. Selecting the right

candidate for the right work is a challenge that is addressed by
Teamwork. At DIFX we work as a team and consistently try to
go above and beyond the expectations of our stakeholders,
investors, and clients. Knowing the limitations of every staff
with diverse life experiences and technical expertise, we will
achieve great solutions as a collective team.

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4. Creative & Innovative - Innovation is the key to success and being
creatively innovative is an art that if executed properly creates
tangible intrinsic value for all. Due to the crypto and trading
industry evolving and the rules of the industry-changing now
and then it is very vital and challenging for the companies to
always abide by the law and yet to balance between governance
and to create a product mix that is unique in ideas, solutions,
and processes abiding by the law of the Land. The DIFX team and
its Management is always prioritizing its design technology which
follows the best industry practices to enable us to compete at
the highest level yet under the jurisdiction of the various
governing bodies, legally binding our products which are the best
in the industry in the purview of the law of the land.

5. Empowerment - Empowerment is about valuing team members

and giving them the information, resources, and tools, they
need to achieve superb results. When employees are empowered
to make accurate decisions that help the customer, they are
contributing to the strategy and business objectives of the
organization.

6. CSR - CSR is a big part of the DIFX mission, as the team is

dedicated to educating and spreading the awareness
of blockchain technology to the masses with DIFX Academy
(https://academy.difx.com/). Which in turn will help the various
government departments and financial institutions to create
a bridge between its citizens and transparent governance at
various government and industry levels.

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KEY INDUSTRY PROBLEMS
1. Poor Customer Support Services:
When users of cryptocurrency exchange or trading platforms get stuck with
anything on the platform or want to discover more about user features, they
go straight to customer support to resolve their issues.

Adequate resources for customer support are lacking on many

cryptocurrency platforms, as too many growing exchanges do not scale-up
their resources to meet the number of users they serve.

2. High Trading Fee:

One of the major difficulties with cryptocurrency exchanges is trading costs.
Many well-known cryptocurrency exchanges charge a fee ranging from 0.25
percent to 3 percent. A decentralized exchange, on the other hand, usually
requires no fee or a small fixed fee.

Many cryptocurrency exchanges charge exorbitant trading fees. Each time

someone makes a trade on an exchange, a certain percentage of their order
is forfeited.

3. Liquidity:
The crypto market is not yet ready to absorb large orders without impacting
the value of the cryptocurrency. This happens due to the lack of liquidity,
compared to traditional financial markets. Small and major exchanges have
both suffered from dwindling liquidity as a result because of a sudden surge
of bitcoin transactions, which has reduced the value of these transactions.

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Aside from trading activity, the unique liquidity of a single exchange is
decided by its capacity to hold reserves to draw on when it runs out of
tokens to sell. Exchanges with a daily trading volume of roughly 1k BTC
frequently have supply-and-demand issues or local price slippage and
need the buyer to cover it, along with the gas—a transaction cost of around
1–10% above the original price, making it one of the core problems of the
industry.

4. Poor Security:
Security breaches are common in the industry and frightening for
cryptocurrency platform owners because they can mean that the personal
information of those who use the platform is compromised. People are
losing sums of money as because of scams and fraud, which must be
addressed to protect those who invest in tokens. Exchanges should invest
in maximum platform security to prevent hacking, fraud, and scam-related
activities.

5. Lack of Diversified Portfolio Option:

Another issue affecting the industry is a lack of portfolio diversification.
Investors may lose interest in the market if the risk is not diversified
because it is easy to lose one's assets and investments. Having a portfolio
of more than one digital currency is currently the most preferred method
of diversification.

For instance, an individual can have both Bitcoin and Ethereum in

their digital currency portfolio. However, since both currencies are
interconnected, instability, and volatility that have been frequent
occurrences in the market recently, will affect them both. As a result,
the diversification strategy may be unsuitable in the long run, as both
currencies (Bitcoin and Ethereum) are now likely to be affected at the
same time.

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The issue here is that many exchanges do not provide a variety of portfolio
options for users, limiting them to the most valuable tokens and risking the
loss of their investment.

6. User-friendliness:
The user-friendliness of a system is critical to creating a perfect user
experience. With complicated pages and users needing to scroll down to
find what's required, customers will look elsewhere if a site is hard to use.
This tends to be the norm of many exchange platforms today, and it's one
of the issues that plague the industry.

DIFX EXCHANGE'S SOLUTION

USER-FRIENDLY AI-BASED DEDICATED PROPER TOKEN ASSURANCE OF WIDE

INTERFACE QUERY CLOUD SECURITY VETTING AND PRICE BANDWIDTH
RESOLUTION SERVERS AUDIT PRESCREENING UNIFORMITY
BOTS

1. User-Friendly Interface:
Every trader/subscriber, regardless of their level of skill sets and trading
experience in various asset classes, will find using the highly intuitive and
very user-friendly DIFX a true delight that cuts across cross-asset class
trading under a single window. DIFX provides a single account with ease
of access to the most advanced and artificial intelligence (AI) based asset
management tools. Along with the support features, DIFX also has easy
to follow explainer videos for all of the basic functions (like deposits,
withdrawals, placing an order) to help users get accustomed to the
exchange.

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2. Dedicated Support with AI-based query Resolution Bots:
DIFX will have automated query bots and artificial intelligence (AI) query
resolution system. This will automatically ensure that every ticket raised
will be answered instantaneously, barring specific instances that require
human intervention. This solution provided by DIFX is being bet upon to
be a disruptive game changer and will go a long way in satiating the client
feedback system. We shall also be embedding an algorithm that can alter
out high-priority queries, which shall then be sent in for immediate redressal.

This system will automatically involve a jump out of the queue option to
facilitate response to high-priority tickets. The root of this high-priority aging
system is to ensure that there is no lag time in the remittance/withdrawal of
funds, acknowledgment of deposits, and trades.

3. Dedicated Cloud Servers:

We have dedicated cloud servers in different locations to ensure a
lightning-fast response, zero redundancy, low latency tickers, and no lags
in the execution of orders. This will completely marginalize the slippage
and impact cost of large trading orders. Since the cloud servers enable the
speed of access, DIFX will not be faced with the daunting task of matching
up speed with execution.

4. Proper Security Audit to Eliminate Price Manipulation and

Front Running:
DIFX will be subjected to security audits that will eliminate front running and
any possibility of price manipulation and inflating false volumes. As a result,
subscribers and traders can be confident that DIFX is a genuine platform.

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5. Token Vetting and Pre-screening:
DIFX's pre-screening of tokens before listing them on the exchange will
ensure that dubious coins are left out and not allowed to enlist. DIFX has set
out a complete set of norms based on which it will decide whether or not
to list the token. A few of the major points it will look deeply into are: The
need for a blockchain, The team's experience in blockchain, the promoters
holdings, the business models and the roadmap

6. Assurance of Price Uniformity with other Leading Exchanges:

Through Artificial Intelligence (AI), we shall be interpolating the price of the
top five exchanges and ensuring that there is no lack of price uniformity.
This is extremely important since one of our revenue models is the technical
analysis module. This entire module will become meaningless if the prices
are not matched across exchanges and time frames.

7. Wide Bandwidth to Accommodate Numerous Transactions per Second:

DIFX will be hosted on cloud servers with a huge bandwidth to handle more
than two million transactions per second. Because the cloud servers are in
multiple locations, the load will not be focused on a single server, thereby
making it look even faster than it actually is.

CODE OF ETHICS
DIFX's actions are not only influenced by European data protection laws,
but also by its self-imposed Code of Ethics. This manifests itself as a
commitment to absolute transparency in terms of costs and fees, primarily
through our multilingual support.

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DIFX's motto is: The best protection against losses is granted by the
comprehensive education and involvement of the community in the
decision-making processes of the company. The community, therefore, has
the opportunity to participate in DIFX through forgery-proof blockchain
votes. DIFX also believes that cooperation, and above all, the achievement
of common goals, can only succeed with clearly defined values and Codes of
Conduct. That is why DIFX sees its Code of Conduct as its most important
statute because it serves to bring ethical values and rules to employees and
stakeholders. This allows DIFX to share its values with its users and business
partners and to strengthen the DIFX community and reputation.

WHY DOES DIFX DIFFER FROM

OTHER PLATFORMS
Cryptocurrency and blockchain platforms have been driving investment,
trading, and financial inclusion options for people. However, there is no
single platform that offers an “all-in-one” approach to cryptocurrency
exchange (which includes buying, selling, trading, and management of
investment portfolios). This leaves a significant gap in true financial inclusion
globally, and that's where DIFX is different from the rest.

The implementation of the DIFX ecosystem unifies the internal and external
operating system with our customer-centric approach to providing a
seamless experience to users where they can buy, sell, trade, and manage
their cryptocurrency assets on a single platform. Traders have the ability to
swap between any asset listed on the DIFX platform. Additionally, they can
also swap their cryptocurrency for traditional assets, i.e, stocks, and bonds.
Our platform is designed to deploy a futuristic financial service platform to
create an omnichannel and cross-functional customer journey.

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DIFX leverages blockchain technology to verify and vet traders before
carrying out transactions on the platform to ensure safety and security
unlike other CEX’s. Moreover, DIFX’s platform allows users to manage every
aspect of their assets in a single platform and creates a diverse portfolio with
a variety of options available. Lastly, DIFX has its own ERC20/BEP20 token
with encryption and a P2P system.

DIFX SPOT EXCHANGE

The DIFX Spot Exchange is currently crypto to crypto exchange that facilitates
the purchase, sale, and swapping of multiple different cryptocurrencies. Currently,
as of March 2022, the spot exchange has approximately 50-odd tokens and coins
listed for trading purposes. Among this list includes the exchange's very own
utility token (DIFX).

As part of its continual listing process, DIFX looks to list top, trending, and
liquid projects to grow its cryptocurrency exchange and give users a variety of
cryptocurrencies to trade and invest in. As mentioned previously, DIFX spot
exchanges are available on both the web and mobile platforms. It is possible to
buy and store cryptocurrency in a fully insured wallet. In addition, they can earn
passive income through staking opportunities and multiple rewards programs.
Key Spot Exchange Features includes -

FULLY INSURED WALLET - A Fully Insured Cross-Asset Trading Platform with

Fireblocks as a custodian.

ERC-20/BEP-20 Native Cryptocurrency - DIFX has its token that can be traded
with other assets, reduce trading costs or use for paying any incurred transaction
fees.

NOMINATION PROGRAM - The blockchain-based nomination program created

by DIFX lets users select "trusted individuals,family members and friends to
inherit their crypto wallets" automatically upon the owner's demise.

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This Nomination is kept highly discrete from an exchange point of view and the
system ensures that only the Nominee is notified.

BANKING-GRADE SECURITY - To protect your activities, we use full data

encryption and cryptocurrency cold storage.

DIFX ACADEMY - DIFX Academy is an online glossary of several lessons, all

recorded and taught by professional crypto traders with years of on-hand
experience.

FASTEST AND SIMPLEST KYC PROCESS - The DIFX exchange can verify KYC
documents within minutes. A simple selfie and an identity document are all that's
needed to use our high-secure technology at full throttle!

FAST TRANSACTIONS - DIFX matches up to 1M orders/second.

REFERRAL PROGRAMS AND BONUSES - Participate in our in-app giveaways

or attend any of DIFX's sponsored events to earn additional benefits.

24/7 CUSTOMER SUPPORT - You can rely on us whether you're a longtime user
or a first-time user. We offer 24/7 live chat support in various languages.

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WHY IS DIFX DISRUPTIVE
DIFX team believes that the investment process should be more democratic
and accessible to the vast majority of people who want to increase their
funds. Investors who have cryptocurrencies in their asset portfolio can trade
on world financial markets by investing in conventional asset classes which
include stocks of world-famous companies, indices, commodities, and forex.
DIFX will have several tokens of a special kind that will correspond to one or
another type of traditional assets. Trade-in such assets will occur in the same
way as trading in cryptocurrency on any exchange.

1. Cryptos to Cryptos 2. Cryptos to Forex 3. Cryptos to 4. Cryptos to Stock 5. Cryptos to Indices 6. Cryptos to Banking
Commodities CFDs Withdrawals

7. Forex to Forex 8. Forex to indices 9. Forex to Commodities 10. Commodities to 11. Commodities to 12. Commodities to
Forex Commodities Stock CFDs

13. Commodities to 14. ETF's to Indices

Indices

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Over the next three years, we are poised to become a front-running digital
operative of centralized and decentralized multi-discipline and yet regulated
platforms of exchanges, listing venues for foreign exchange pairs, stocks,
commodities, and cryptocurrencies. We intend to become a provider of data
services for commodities and cryptocurrencies. We also plan to operate
regulated marketplaces for listing, trading, and clearing a broad array of
structured derivatives and securities contracts across major asset classes,
including metals, energy and agricultural commodities, forex derivatives,
bonds, and currencies. Our exchanges will include platforms for trading
in forex, stocks, commodities, and cryptocurrencies. Our cryptocurrency
exchange has been set up in the European Union (EU), and we are making
inroads in the Middle East too.

OUR COMPETITIVE ADVANTAGE

Our innovative trading terminal beats any existing solution accessible to
traders on the market, giving DIFX a competitive advantage. To be a top
exchange platform, we will analyze current exchanges, improve on their
weaknesses, and develop potential business models that will boost our
acceptance and customer retention. Furthermore, unlike other exchange
platforms with fragmented cryptocurrency capital markets, we have
condensed our platform into a single trading terminal, the first of its kind
in the exchange sector. We also have strong legal and financial backing as
we are associated with multiple approvals. This gives our platform a good
standing and a soft cushion. Finally, unlike other exchanges that are only
after the user's money and profit racketeering, we have a dedicated tether
website with multiple tethers of all the asset classes backed by value. This
makes us distinct and highly competitive in the market.

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TECHNICAL ASPECTS OF THE
PLATFORM
Encrypted user access:
This exclusively designed procedure offers
significant protection to the user's funds by
placing an additional encryption layer between
the user and the wallet. By employing this
strategy along with the blockchain wallet
approach, the user is substantially shielded but
DIFX still has all alternatives for password recovery.
Digital Financial Exchange

Auto re-login:
When the user chooses to withdraw funds
from the wallet, he is required to re-enter his
password. This prohibits scenarios where a
malicious attacker could hijack an ongoing
account session on the exchange and withdraw
funds, which would otherwise be possible
in the absence of a verification procedure in
between. The password is additionally encrypted via a secure hashing the
algorithm, which ensures that nobody (including the exchange) can ever
retrieve the user's password.

Two/Three-Factor Verification and Google re-captcha:

Google Authenticator and email authentication provide the users with an
option to establish additional verification through their smartphones or
e-mail accounts to unlock certain activities like trading or withdrawals.
Google re-captcha will also help us in eliminating spam by separating
humans from bots.

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Distributed architecture with DNS Failover: The platforms keep up DNS
failover to provide DDOS resilience as well as fast failover. In the case of
a server outage, failover time is at 180 seconds (depending on DNS TTL).
Geo IP routing users incredibly rapid access for users across the globe
by routing track based on their geo-position. Architecture built upon the
latest technical structures by employing the most up-to-date software
can alleviate the threats of leaks based on the immaturity of software.
Our constant updates and technological developments will consistently
enhance the overall resilience of the exchange.

Automated multi-signature cold storage: The exchange's hot wallet has

an automated procedure that swaps the crypto funds to multi-signature
cold storage according to the pre-decided equation of hot wallet storage
concerning the total funds, ensuring that a majority of the assets are
protected in the event of an attempted hack or a brute attack on the
platform. Automated trade and account related notifications: The users
have access to automated trade-related notifications regarding order
matches, order books, and charts. The current and historical data, including
a detailed list of debit or credit entries, transaction fees can be availed
under their account information panel.

Tools for Technical Analysis and Price Prediction: Professional analysis

tools are essential for successful trading. Currently, graphical analysis of
the following tools are in a later stage of development. It will be available
after the token sale and launch of the platform. Since the public trading
platform does not have access to the user data, a new security standard is
set here. The user can access all of DIFX's services without worrying about
a third party reading their data.

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MA (Moving Average)
EMA (Exponential Moving Average)
BBANDS (Bollinger Bands)
SAR (Stop and Reverse)
MACD (Moving Average Convergence Divergence)
KDJ StochRSI (Stochastic Relative Strength Index)
DMI (Directional Movement Index) •
CMF (Chaikin Money Flow)
OBV (On-Balance Volume)
RSI (Relative Strength Index)
Bid Ratio
Votes determine the selection and implementation of additional analysis
tools from the community. Users can publish chart analysis, as well as
related content (video, text, and audio) on the community platform. On
the platform, users and their content can be rated by the community with
the DIFX token. Through this system, analysts, YouTubers, influencers,
and bloggers can increase their reach within the community and are also
rewarded for their work in monetary terms.

KNOW YOUR CUSTOMER (KYC)

Payment tokens, exchange of cryptocurrencies, custody wallets, banks,
securities dealers, and asset managers are generally subject to anti-money
laundering requirements, such as registration, supervision, and identification
of counterparty requirements.

Anti-money laundering obligations are the basic regulatory requirements

that apply to most entities trading in cryptocurrency markets.

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To combat and prevent criminal activity such as money laundering, economic
crime, and terrorism, international standards have been set up for the
identification of new customers. DIFX abides by these standards, and
of course, meets this challenge. To address this issue, DIFX has created
an authentication platform that allows all data by ID Key to investors to
transmit the requested information to meet anti-crime standards, and
still enjoy protection against unauthorized access of third parties. The
transmitted data will be cryptographically signed to ensure an anonymous
user login. KYC is exclusively performed by DIFX and not a third party to
ensure data protection. Services outside of Account Management have
no access to personal information. DIFX guarantees that customer data is
subject to confidentiality and is not made accessible to third parties without
authorization.

DIFX ADDITIONAL FEATURES

Encryption of track using the latest tools such as VPN, SSH, and
256-bit AES encryption. Individual verification of crucial details to
avoid identity theft and other forms of fraud.

AES encryption prevention: A sophisticated encryption algorithm

that decrypts encrypted confidential data. Anti-CSRF token: CSRF
is Cross-Site Request Forgery, which is a type of attack in which a
malicious actor makes an unwanted action on a trusted site.

Mail ID encryption: Prevents hackers from decrypting/editing our

email address using our database.

Device-based tracking (IP Address, MAC Address/Mobile device ID,

User) and IP- based admin panel login.

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A hidden mailing system implementation for the exchange to know
the present login credentials for the admin panel, in case a hacker
changes it internally or externally.

The Database retains a log of admin login patterns and wrong login
attempts.

Auto logout and re-login for the admin to protect attempted hacks
on ongoing sessions.

We are constantly exploring the latest techniques to strengthen

our safety measures and security features of the services. We have
a development board where our team is constantly assessing new
features and algorithms that can spruce up the security as well as
the performance of all the components of our exchange.

BENEFITS OF DIFX OVER

CONVENTIONAL CRYPTO
ONLY EXCHANGES
The Decentralized Exchange The matching engine has an access level for the
Blockchain to change the status of the coin/token to the respective token
to be kept for a transaction. Additionally, it also has access to change the
status from Net Exposure to Trade. Integration of Wallet: All the transactions
within the Exchange will directly be made on the user wallet and be updated
as a blockchain transaction. This will ensure that the exchange is entirely
decentralized, and all the cryptocurrencies will always be with the users.
Each users' public and the secret key would be required for the exchange to
be decentralized.

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This will ensure that the exchange is entirely decentralized, and all the
cryptocurrencies will always be with the users. Each users' public and secret
key would be required for the exchange to be decentralized.

DIFX TOKENS AND FEATURES

DIFX Token is a utility token created on the ERC20/BEP20 blockchain.
Utility tokens are tokens that are intended to provide digital access to an
application or service through a blockchain-based infrastructure. DIFX
allows for instant transfers while providing specific value and discounts to
DIFX users. Its key features include:

ERC-20/ BEP 20 Future plans to build It will power future

based token a native blockchain platform DIFX services and products
used within DIFX Ecosystem

Faster transaction times Quicker payment settlements

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THE DIFFERENTIATOR
● With so many players in the industry, we stand out because of our fully
insured crypto wallet and our 24/7 customer support chat that has real
people to answer your questions and queries. We are able to confidently say
we are fully insured due to our unique partnership with Fireblocks, who are
one of the leading digital asset custodians of the industry. We are also
partnered with Sum & Substance (Sumsub) who give us the top-notch KYC
features that help us ensure that exchanges are secure and free of any
threats.
● Some of our USPs would definitely be having the ability to do cross-asset
trading, having a single wallet to trade on both MT5 and spot exchange.
● In addition, we created our own Digital Financial Exchange token (DIFX)
which is the native token associated with the cryptocurrency exchange
DIFX. Based on the Ethereum/Binance Smart Chain blockchain, this digital
asset is ERC-20/BEP-20 compliant and decentralized. DIFX's value is
dependent in part on the reputation of its crypto exchange.
● Furthermore, a key factor that sets us apart from the rest is our mission to
help the masses understand and adopt blockchain and cryptocurrencies.
For this, we have created our very own DIFX Academy which is a set
of carefully curated content that explains everything there is to trading
and cryptocurrencies. The academy is a completely free service that
requires only downloading the app/ visiting our website to access it!

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NOMINATION PROGRAM
Create nomination:
The user puts in a request to create a nomination. The nominator can select
single or multiple nominees. The first nominee is free, the rest need to pay in
DIFX token.
Nominator: Once the request is processed, and he/she adds the nominees,
he/she can select the percentage assigned to each nominee out of 100% for
all of his/her digital assets.

Add Nominee:
Once the Nominee has been added, the system will notify via email, he/she
will have to create their own account first and upload their KYC. If the user
already has an account with us, they will not have to go through this process
again.

Nominee Req:
If the user accepts to become a nominee, they will have to accept the
nominator's request without knowing percentage allocation and if the
nominee declines the request, the nominator will be notified.

Claim process:
In order to file a claim, the nominee will have to upload their KYC documents
along with some additional documents:
1-Death Certificate of Nominator
2-Nomination Documents (either Probate, Letters of Administration,
Succession certificate, Legal Heirship certificate. Affidavit for
Collection or Small Estate Affidavit)
3-Relationship documents

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During the document review and acceptance process:
The compliance officer will review the documents and accept or reject the
documents, any disapproved documents beneficiary needs to send again via
email. Required Documents can be differ based on the region or govt laws,
compliance officers can ask directly to the beneficiary via email for certain
documents before approving claims.

Once documents will be approved, the claim will be approved and funds
will be transferred to the nominee as per the allocated percentage by the
nominator.

TOKENOMICS
● There is a max token supply of 550,000,000 DIFX, the core utilities include
a reduction of up to 25% of trading fees incurred on the exchange and
strengthening the reliability and transparency of worldwide payments and
transfers.
● CONTRACT ADDRESS
○ ERC20 : 0x9792409ae27726d337af30d701ab525372495607
○ BSC : 0x697bd938e7E572E787ecd7bC74a31f1814C21264
● DIFX is a MULTICHAIN
● It was 550M on Ethereum. The team burned 60M in Ethereum and minted 60M
in BSC.
● Discounts: DIFX holders enjoy trading fees discounts of up to 25% while paying
with the token on the exchange.
● Leverage: As alluded to, traders are offered high leverage of the total DIFX
token value held on any asset class listed on the exchange.
● Staking: Staking options where traders may stake or lock-in DIFX tokens for up
to 8 quarters on the exchange-staking platform resulting in massive rewards.
● Investment opportunity: As seen with other exchange tokens, DIFX gives
holders an opportunity to return high yields on their investments in the token.
● Usability of the token for the Nomination Program and transaction fees
incurred.

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 DIFX

UTILITY OF DIFX TOKENS

DIFX Token is a utility token created on the ERC20/BEP20 blockchain.
Utility tokens are tokens that are intended to provide digital access to an
application or service through a blockchain-based infrastructure. DIFX
allows for instant transfers while providing specific value and discounts to
DIFX users. Its key features include:

• Commission fees will be made in DIFX tokens at a market rate.

• The financing of ICO campaigns in DIFX will be carried out only
through DIFX tokens.
• Purchase of Bots, API and White Label solutions will be accepted only
in DIFX tokens as a mode of payment.

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 DIFX
• Payments for the listing of tokens/coins on the DIFX exchange will be
carried out exclusively in the form of DIFX tokens.
• DIFX tokens will be traded on the centralized as well as on the
proposed decentralized P2P exchange. Owing to the genesis of the
DIFX Blockchain, DIFX tokens can be instantly transferred to any
account in the decentralized DIFX Block network.
• DIFX tokens have been designed to be exchangeable/ swapped for any
other DIFX Block-tokens and crypto-currencies.
• DIFX Token is a distributed (decentralized) firewood for the complete
life span of the DIFX ecosystem.

Benefits of the DIFX Platform to Users:

Users of the DIFX platform will benefit immensely from the several features
of the platform. These include but are not limited to:

Cross asset trading

Biometric security
Multiple licenses across different jurisdictions
High-security wallet
IOS and Android app
Prepaid brokerage package
Airdrops
Services with a price markdown
Overnight interest rate and staking
Discount on the use of DIFX token

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 DIFX
DIFX MULTI-CURRENCY WALLET
● DIFX Digital Wallet App - One of the products being developed by the DIFX
cryptocurrency platform is a DIFX Multicurrency Wallet. It has the following
technical functionality:
● The ability to securely store the most popular cryptocurrencies:
Bitcoin Ethereum, Litecoin, and many others in an insured wallet.
● Ability to send crypto currency to business partners, friends, and
relatives via DIFX’s wallet.
● Account login is protected by a two-factor authentication system
(2FA).
● Ability to track all transactions performed in the section “History of
transactions.”
● Banking grade security to protect your activities, we use full data
encryption and cryptocurrency cold storage.
● Fast transactions as the platform matches up to 1M orders/second.
● Referral Programs and Bonuses by participating in DIFX in-app
giveaways.

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 DIFX
SECURITY & THEFT
DIFX approaches the issue of security in the most serious way and offers the
following mechanisms designed to protect traders from intruders wherein:
• 50% of the funds will be stored in Cold (Offline) wallets and 50% of the
funds will be stored in MPC wallets.
• DDoS - protection from Cloud Flare service.
• Two-factor authentication (2FA) when you log into your account and
withdraw funds
• The strict requirement is to create a password containing a
combination of numbers, uppercase, lowercase letters, and other
characters consisting of at least eight characters.
• The current extension of the HTTPS Protocol to support encryption to
increase security.
• Bug Bounty program for finding vulnerabilities.
• Face ID.
• Integration of SPV technology that has never been hacked.
• Encryption of login Page.
• Constant auto backup of data.
• Consistent auto-scan of the website for vulnerabilities.
• Security expert team to ensure maximum protection against intruders.

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 DIFX
LEGAL BASIS AND LICENSES
It is not a secret that concise, well-defined regulations for cryptocurrency
fields are scarce, vary dramatically from country to country, and are
somewhat tricky to comply with due to the nature of rapidly evolving legal
grounds for cryptocurrencies. To have DIFX operate exclusively in the
legal field, we will have to collaborate with appropriate legal agencies and
advisors towards building a proper basis for our business extensively. The
next logical step towards providing our services legally and worldwide is
obtaining appropriate licenses, allowing transactions with cryptocurrency
assets, as well as with electronic money. Filing for these licenses becomes
the top priority for successful project development. This is why we allocated
up to 11.5% of the raised amount towards obtaining the following essential
licenses, allowing us to remain legal, expand our geography and lawfully offer
financial services for customers around the world. Our key focus includes-

• Regulation D, rule 506 (c) by U.S. SEC

• In terms of Compliance, we are making sure that the laws of Romania,
Lithuania, Bermuda, SVG, Vanuatu, Cayman Islands are complied with.
• Security Dealer License in Lithuania (under process).

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 DIFX
EXCHANGE REVENUE
● Listing of Tokens - The cryptocurrency segment is still in its infancy stage. The
next few years will see explosively exponential growth in the number of tokens
being listed. While the quantum of ICOs may trail, newer methods like airdrops,
amongst others, may take center stage. Owing to this phenomenon, one can
expect a spate of listings. Because DIFX is a multidisciplinary exchange, it is
embedded with the advantage of capitalizing on such progressive moves in the
crypto segment.

● Market Making - DIFX will get into agency trades and be able to generate
revenue on such market-making. No principal trades will be entered into its
account.

● White Labeling of Cryptocurrency, FOREX, and Commodity Platforms - We

shall make available our multidiscipline exchange of cryptocurrency, forex, and
commodity for white labeling. We shall give away our push and fix API to funds,
banks, institutional clients, and HNI's to translate this into revenue for DIFX.

● Structuring Price Plans for Traders - To attract subscribers to trade frequently,

DIFX will have various structured commission plans based on various volume
slabs.

● Advertising on Exchange - DIFX will allow banners on its various responsive

pages to attract attention and result in mileage for the banner placer. This would
turn into a win-win situation for both the banner placer and DIFX.

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 DIFX
ROADMAP

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 DIFX
DISCLAIMER
This document is a vision document and should not be considered a
specification. It is not promotional material, reflecting the fact of issuance
of securities and calling for investment in the sense in which it understands
the law on securities. DIFX token does not give its holders ownership of a
part of any segment of the public or private market. The main purpose of
the DIFX token existence is its use in the DIFX ecosystem. The sole purpose
of this document is to present the DIFX project to potential holders of
tokens in such a way that they can make reasonable and informed decisions
regarding the purchase of DIFX tokens. This document describes in detail
the management of the DIFX project, its importance to a society based
on our beliefs, its functionality, and objective grounds for investing in the
acquisition of DIFX tokens distributed within the token sale campaign.

No Advice:
like any blockchain technology, the acquisition of DIFX tokens is associated
with a high level of financial risk. All investments are made at your sole
discretion, and you are solely responsible for assessing all potential
investment risks as well as doing your due diligence before the time of
investment. Consult your advisors before deciding to purchase any Tokens.

No Offer of Securities:
DIFX and “DIFX Token” (as described in this Whitepaper) are not intended
to constitute securities in any jurisdiction. This Whitepaper does not
constitute a prospectus nor offer a document of any sort. It is not intended
to constitute an offer or solicitation of securities or any other investment
or other product in any jurisdiction.

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 DIFX
All statements, project technical information, and other declarative
information contained in this document cannot be considered as guarantees
or promises to the holders of DIFX tokens. Such data may not be considered
as a financial prediction of any. Forward-looking statements are based
on publicly available statistics as well as the proposals and forecasts of
the initiators of token sale DIFX. Even though the organizers believe the
forward-looking statements are reasonable and implementable, DIFX cannot
guarantee to buyers of tokens the correctness of such forward-looking
statements, as well as the intended results of the company's activities
specified in them. DIFX will do everything in its power to fulfil predictions
listed in the roadmap in good faith to the best of its ability.

Translations:
This Whitepaper and related materials are originally issued in English. Any
translation is for reference purposes only and is not certified by any person
if there is any inconsistency found between a translation. The English
version of this Whitepaper prevails. Unless otherwise stated, all references
to “$” and “dollars” in this Whitepaper pertain to United States dollars. Any
regulatory authority in any jurisdiction has not reviewed this Whitepaper.

RISK FACTORS
The risk of losing access to DIFX tokens in case of loss of private keys. A
private key or a combination of private keys is required to manage DIFX
tokens stored in your digital wallet. The loss of private keys connected to
your digital wallet automatically leads to the loss of access to DIFX tokens.
Also, if any third party gains access to your private keys or data to enter
your wallet, access to your DIFX tokens can be lost. Any technical issues
related to the wallet on which you store DIFX tokens, including your wrong
wallet maintenance actions, can also lead to the loss of DIFX tokens. We
strongly suggest you take every safety measure available to you to protect
your wallet, your private keys, and your DIFX tokens. No DIFX tokens will
be re-issued in case of loss or theft.
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 DIFX
vRisk of Crack and Security Protocol Vulnerability:
Hackers and other organized crime groups may try to hack the DIFX
ecosystem and assign DIFX tokens to themselves in various ways. The risk
is associated with unpredictable actions of regulators and law enforcement
agencies. Due to the imperfection of the legal framework, the legal status of
DIFX tokens and blockchain technologies is not clear in some jurisdictions. It
is impossible to predict any law enforcement actions regarding the operation
of the DIFX ecosystem and the handling of DIFX tokens should the legal
field change in such jurisdictions. It is also impossible to foresee possible
changes in legislation made by legislative bodies of various jurisdictions
related to the regulation of the blockchain sphere.
The possibility of such changes represents a potential risk for owners
of DIFX tokens. This may include, for instance, an updated requirement
by a certain jurisdiction to have DIFX conduct a compulsory KYC/ AML
procedure, where it was not previously required to finalize the transaction.

Taxation Risk:
The tax component of the acquisition of DIFX tokens is not clearly defined.
Your purchase of DIFX tokens can lead to adverse tax consequences,
including income tax or another type of tax.

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 DIFX
Risk Associated with The Development and Maintenance of The DIFX
Ecosystem:
DIFX Ecosystem is under development and may be subject to significant
changes and corrections in terms of technical operation up to the full
completion of the development of the platform. The effectiveness of the
DIFX ecosystem development largely depends on the number of DIFX
tokens sold. Poor token sale results can lead to a shortage of the resource
base required for the full development of the ecosystem. In case the
project team does not collect the necessary amount required for product
development (soft cap), all collected funds will be returned to the investors,
minus the commission for such transaction.

The Risk of Liquidating A Company or Ecosystem:

One cannot rule out the possibility that for some reason, including an
unfavorable change in the exchange rate of currencies such as ETH, BTC,
or other cryptocurrencies, a drop in the level of functional utility of DIFX
tokens beyond our competence may occur. Legal problems and intellectual
property issues of the DIFX ecosystem can also disrupt the operation of
the DIFX platform or completely liquidate the company.

Other Unforeseen Risks Cryptographic:

DIFX tokens are a new, technologically not proven technology. In addition
to the risks associated with the factors listed above, there are some risks
associated with the acquisition, ownership, and use of DIFX tokens. Such
risks may represent various options or combinations of risks specified
above. DIFX may change, delete or add any information in this document
or documents reflecting the terms and conditions of its websites or
applications, at any time at its discretion and without notifying the holders
of DIFX tokens. Any such changes will take effect immediately after the
publication of the revised versions of such documents. You are solely
responsible for timely acquaintance with possible changes in them.

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 DIFX
Your continued use of the Site and/or Services after any such changes
implies your acceptance of them. There is a risk of losing all invested funds.
If you do not agree with any such changes, do not continue to use the Site
and/or the Service. All concepts and technical proposals outlined in this
document are working hypotheses.

This Whitepaper may be revised at the company's discretion at any time

to clarify the vision and communication it better to the potential investors.
An updated version will be provided for downloading on the www.difx.com
website. It is a user's responsibility to verify that the most recent Whitepaper
is referenced before the time of investment. Buying DIFX tokens indicates
your agreement with the Terms and Conditions and Privacy Policy found on
the DIFX website.

Several cryptocurrency institutions have expressed interest in DIFX's

services and partnerships. The reason for declining these opportunities
is that we have confidence in DIFX's ability to succeed. We are delighted
to have you with us on our journey to becoming a leading Centralized
exchange.

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