P J i . pa ¢ — Glink ‘ WhitepaperWiel Abstract: 4links will change the world through the concept of utilizing its decentralized exchange. Investors gain interest through the power of Vield Farming, to create a new spicy liquidity pool staking strategy. 4links has a smart vision for the future and we want you to be involved. As you are aware the crypto world has taken the planet by storm over the last few years and is developing into one of the world's major players within finance, business, and investment. A decentralized exchange (DEX) is a way of exchanging cryptocurrencies or other blockchain-based assets without a centralized agency or intermediary.Table of Contents Introduction Problems Solution Executive Summary Token Distribution Conclusion References 2 B 16 7 18cea Introduction: Defi draws inspiration from blockchain, the technology behind the crypto currencies which allows several entities to hold a copy ofa history of transactions, meaning it isn't controlled by a single, central source. That's important because centralized systems and human gatekeepers can limit the speed and sophistication of transactions while offering users less direct control over their money. Def is distinct because it expands the use of blockchain from simple value transfer to more complex financial use cases Defi has experienced in 2020, with a market cap of over two billion dollars. Defi in recent times improved the fintech industry by making transactions seamless. Decentralised finance (Defi) applications are user friendly applications that closes the gap between investors and middle men making all transactions permissionless. DeFiis not a specific thing, but more a loosely defined collection of ideas and projects to reshape financial services through blockchain technologyProblems: The last few decades have rocked the financial world with an explosion of technological innovation, globalization and changing consumer expectations. At the heart of all these changes? Financial technology, or Fintech. Fintech businesses have been at the forefront of the digital revolution in the financial sector, pushing traditional institutions to keep up. Unlike traditional institutions, Fintech companies are able to be digital, agile and modern. Most Fintech businesses have fully integrated the ABCs of modern business: automation, bots and cloud Demand for digital financial services is at an all-time high Investment in Fintech start-ups is booming, reaching a record $31 billion (£24 billion) in 2018, more than double that of the previous year. Fintech money service businesses have fulfilled the need for easy, accessible and affordable financial services and now play an integral role in the global economy. Fintech companies have even enabled new types of growth in the industry: collaborative disruption has enabled community banks to grow their customer base. The future of Fintech seems limitless — even Amazon creating a bank doesn't sound that far-fetched. In reality, the Fintech industry is still in its infancy, full of untapped potential and growing every day.Mace a But it's not all sunshine and butterflies, Fintech currently faces four key roadblocks, and to ensure long-term success, companies need to step up to the plate to address these challenges facing Fintech businesses. Fintech leaders that tackle these issues will open the door to truly revolutionary growth Innovation: Innovation is the strength of Fintech. It's what gives Fintech companies a leg up: they are a breath of fresh air and new ideas in the financial sector. New tech brings evolution to a challenging, often traditional industry. The impact is felt around the world (Fintech has spread all the way to North Korea, in fact) But innovation can be a double-edged sword, It brings a constant state of flux and competing upgrades, and it's easy to lose the human aspect at the core of financial services. Staying on top of trends Innovation and disruption is incredibly beneficial —to some. Banks are swiftly falling behind Fintech companies, while still playing an integral role to the world's financial industry. This tech disparity causes friction as banks struggle to keep up. Tech has changed customer demands and expectations, as well. Open banking and personalization are becoming essential, and trends like machine learning are making waves. But banks, and especially small to midsize banks, can't easily adjust. Fintech businesses need to be aware of this struggle and see the opportunity for mutually beneficial partnerships: banks simply can't be left behind in the current global system.Min Balancing Human and Tech: Because innovation and tech are the strengths of Fintech, it's easy to assume that all customers want newer, faster, more automated services. However, Fintech institutions that make that assumption risk drifting out of touch with customer needs. The fact is, the vast majority of customers want to interact with a human when handling their finances not to mention the security concerns and resistance to change that come along with digitalization. At the same time, digitalization opens the door to. banking for customers around the world as demonstrated by the experience of Fintech in Brazil with enormous opportunities for growth and increased accessibility. Fintech organizations need to keep the customer experience top of mind. It's all too easy to lose sight of what your custorners are truly looking for when upgrading to shiny new tech. When optimizing and upgrading, make sure you listen to your clients. Regulations: One of the main Fintech challenges facing new institutions is managing regulatory risk and compliance. It'sa factor inherent to the financial industry, but one felt particularly keenly by Fintech companies.New global regulations: The regulations issue has been at the forefront in the last few years with sweeping laws like PSD2, which regulates payment services, and GDPR, which regulates data usage. Regulations touch every aspect of the financial industry. As more global regulations are rolled out, Fintech companies are constantly challenged to keep up and stay compliant which is essential for both partner and customer trust. Instead, Fintech businesses should consider regulations as a framework for best practices: you can future-proof your Fintech business by doubling down on regulations, rather than viewing them as hurdles. Anti-money laundering and KYC: Anti-money laundering (AML) is a set of procedures, laws and regulations designed to stop the practice of generating income through illegal actions, Fintech and money service businesses are subject to harsh levels of scrutiny, and those who do not comply face fines, suspension or revocation of license, and harm to brand reputation. In particular, money service businesses struggle to meet increasingly stricter AML and Know-Your-Customer (KYC) requirements. Because digital financial services focus on rapid, frictionless processes, maintaining AML compliance tends to be more difficult. Any history of AML non-compliance is extremely detrimental to Fintech startups looking to gain funding and customer trust. Because this has been a major issue for the past decade, these failures have deteriorated the trust between correspondent banks and money service businesses, causing a reluctance to serve them.Macao Compliance struggles: Increased regulatory expectations and stricter enforcement of current regulations has been another challenge for Fintech businesses, whether it's meeting those strict standards or effectively training staff to handle compliance. Without a strong culture of compliance and a documented training program in place, businesses can be subject to even more fines and penalties. Because Fintech companies are so new, they often lack the solid, streamlined compliance processes that banks have. Although Fintech companies have more advanced, agile technology than traditional banks, banks have more resources — in the form of staff, expertise and established practices — at their disposal to aid in meeting compliance requirements. Competition and risk: Establishing a successful Fintech company can feel like an uphill climb. It's a constant battle against established, hefty competitors like traditional banks; it can be difficult to make headway or establish a foothold, making industry competition a serious challenge facing Fintech organizations. De-risking and limited bank partnerships: Many banks see Fintech organizations as having a negative reputation: they see Fintech as risky and dangerous to support. Banks around the world are therefore closing their accounts with Fintech by the masses and unbanking the industry, Due to this reluctance from legacy banking institutions, countless Fintech businesses are left fighting tooth and nail for the financial services required to operate.Distrust from banks can be a massive barrier. Since de-risking has taken hold of the industry, Fintechs and money service businesses have faced reluctance from the banks they rely on to operate, especially internationally. This wave of de-risking leads to instability or even an inability to get a leg up in the market for countless Fintech companies. Trust and customer expectations: The other side of the risk coin is customer trust. Fintech companies offer so many new advantages, but often suffer from a lack of reputation or industry trust. Customers may not know that Fintech companies are just as regulated as banks; money is such a sensitive subject that extra reassurance is essential. To become a trustworthy financial resource, Fintech organizations need to be upfront and transparent with customers, Those steps are essential to begin chipping away at the barriers to trust and erode the different perceptions of Fintech and banks. International expansion: Challenges facing Fintechs, like risk and regulations, come together to create enormous barriers to international expansion. Expansion typically relies on developing local banking relationships, a long and cumbersome process that heavily stagnates growth. Fintech companies often rely on banks to develop a network and gain access to “For the Benefit Of" accounts (FBOs) and International Bank Account Numbers (IBANs)recta Additionally, these businesses struggle to find banking solutions that can hold up in multiple states or countries as they scale. In the US. especially, compliance is a huge barrier. In order to offer a tech-led solution for their customer base, Fintechs must be regulated in all SO states, which is an expensive and time-consuming process. The cost of doing business globally — hundreds of thousands of dollars annually per country you are licensed and regulated in is preventing startups from achieving international growth. Without strong partnerships, international payments are a pipe-dream for many businesses, and foreign exchange isa major resource drain.Solution: 4links provide an obvious solution to these issues. By removing the need for a third party, decentralized exchanges allow users to have more control over their transactions. Inan era where control over one's own information is more important than ever, and where hacks continue to occur regularly, it is prudent to opt for the more secure option. Decentralized Exchanges Help Avoid Market Manipulation. Centralized exchanges, have been accused of market manipulation. Since they have full authority to determine which tokens can be listed on the exchange, they have the potential to influence the financial market in unseen ways. This is not the case for a decentralized exchange their market actions are transparent and accessible to everyone on the blockchain. 4links Can Operate as Exchanges Instead of Custodians. While it depends on which exchange is used, a majority of centralized exchanges operate as escrow accounts for crypto for their customers, Decentralized exchanges do not act as custodians and purely make it possible for two parties to trade with each other using smart contracts.Executive Summary: 4link is a decentralized exchange (Dex) that does not rely on any third party individuals or organizations to hold customers funds; instead, the platform offers a direct peer to peer trading mechanism that allows the users to process their transactions on an automated system. 4link is the brainchild of a few dedicated cryptocurrency developers from around the world. We wanted to find one major problem and try and improve it. We did just that with the spicy project. 4link offers its users the opportunity to partake in a new liquidity pool through staking, Participants who stake 4lin tokens will enjoy benefits such as governance rights for the protocol layer and rewards to those contributing to the 4link liquidity poo! through the protocol’s fees (even after they have stopped staking in the liquidity pool). 4link has a clear goal and is focused on being the best multi-chain yield farming platform covering both Ethereum, Tron, and Binance Smart Chain via its various forks. We have allocated 102900 4lin tokens which will be pre-mined and saved in a smart contract, and used for various other purposes. What makes us unique? Uniswap has been spearheading the DeFi cornmunity due to its. automated liquidity pool, but 4link is here to change all that by adding a spicier ingredient. Our unique features give a chance to earn incentives, excellent APYs (Annual Percentage Yields), and passive income through our seamless token distribution layers, Decentralized Exchanges Offer Higher Protection from Potential Security Breaches.By removing the need for custodians to operate the exchange, and by offering users increased openness and privacy, decentralized exchanges are a more secure investment option for cryptocurrency traders. This in turn offers higher protection from potential security breaches. 4link Yield Farming: Decentralized finance (Defi) movement has been a major innovation in the blockchain industry. Vield farming, also referred to as liquidity mining, is a way to generate rewards with cryptocurrency holdings. In simple terms, it means locking up cryptocurrencies and getting rewards Vield farming isa new concept to earn rewards with crypto currency holdings using permissionless liquidity protocols. DeFi protocols are permissionless and can seamlessly integrate with each other. This means that the entire DeFi ecosystem is heavily reliant on each of its building blocks. Yield farming can be paralleled with staking, However, there isa lot of complexity going on in the background In many cases, it works with users called liquidity providers (LP) that add funds to liquidity pools. What is a liquidity pool? Liquidity pool isa smart contract that contains funds. In return for providing liquidity to the pool, liquidity providers (LP) get a reward. The reward may come from fees generated by the underlying DeFi platform, or some other source. Some liquidity pools pay their rewards in multiple tokensThose reward tokens then may be deposited to other liquidity pools to earn rewards there, and so on. You can already see how incredibly complex strategies can emerge quite quickly. But the basic idea is that a liquidity provider deposits funds into a liquidity pool and earns rewards in return.Token Distribution: 4lin token is an erc-20 extended token. ‘Total Supply: 102,300 1 Stake farm 50k 25k Presale 125k for ads and Dev 29k forTeamConclusion: 4links is a key to financial freedom, our unique yield farming idea is unmatched as it promises rewards even in a static pool. 4links intends to solve major challenges faced during yield farming. As a liquidity provider on our platform, you will gain philanthropic satisfaction for being a part of a world-changing enterprise and also reap financial benefits from our spicy features.References: https//Awww.coindesk.com/what-is-defi https:/Awww.currencycloud.com/company/blog/four-challeng- es-facing-fintech-businesses-around-the-world/