{"id":"finchain","title":"Finchain","content":"**Finchain** is a [blockchain](https://iq.wiki/wiki/blockchain) platform designed as a financial infrastructure layer for integrating Real-World Assets (RWA) into [Decentralized Finance](https://iq.wiki/wiki/defi) (DeFi). The project, legally registered as Finchain Holdings (Cayman) Limited, focuses on creating a secure, compliant, and scalable on-chain financial ecosystem with a primary strategic focus on the Asian market. \n\nIt requires all network participants to undergo Know Your Customer (KYC) and Anti-Money Laundering (AML) verification to ensure regulatory compliance. [\\[1\\]](#cite-id-pLyyHqKjQTJRnsvD) [\\[2\\]](#cite-id-aSSfVaRLY8Ptu98u)​\n\n## Overview\n\nFinchain positions itself as a \"Global Financial Layer\" that bridges traditional finance (TradFi) with the [digital asset](https://iq.wiki/wiki/digital-assets) economy. Its core mission is to facilitate the compliant tokenization and on-chain circulation of real-world assets, such as real estate, commodities, and artwork. The platform is built to be an institutional-grade network providing [Web3](https://iq.wiki/wiki/web3) financial infrastructure for fintech developers and financial institutions. [\\[1\\]](#cite-id-pLyyHqKjQTJRnsvD) [\\[2\\]](#cite-id-aSSfVaRLY8Ptu98u)​\n\nThe Finchain ecosystem is composed of several key components, including a hybrid platform for minting and trading tokenized RWAs, a proprietary [stablecoin](https://iq.wiki/wiki/stablecoin) named FUSD, and compliant on-ramp and off-ramp solutions. A central feature of its design is a Universal Decentralized Identity (DID) system that uses SoulBound NFTs to streamline user onboarding while adhering to strict regulatory standards. \n\nThe entire network operates on a permissioned basis, requiring identity verification for access to its services. This approach aims to enhance cross-border liquidity for financial institutions and promote the broad adoption of tokenized assets. [\\[3\\]](#cite-id-kimzDd9Mma7a8K2z) [\\[1\\]](#cite-id-pLyyHqKjQTJRnsvD)​\n\n## History\n\nFinchain's development roadmap outlines a phased rollout, beginning with its public testnet phases in 2025. The first testnet, codenamed \"SuperNova,\" launched in the second quarter of 2025. It featured a hybrid architecture combining Optimistic Rollups and [zkEVM](https://iq.wiki/wiki/zkevm) technology, along with Decentralized Sequencers. This was followed by the \"Stella\" testnet upgrade in the fourth quarter of 2025, which transitioned the network to a full [zkEVM](https://iq.wiki/wiki/zkevm) architecture. \n\nIn the first quarter of 2026, the \"Stella-Extension\" phase introduced staking functionality and the FinChain Points Rewards program. The mainnet, codenamed \"Nebula,\" was scheduled for a full public launch in the second quarter of 2026. As of early 2026, the platform's primary application was accessible in a Beta stage. [\\[1\\]](#cite-id-pLyyHqKjQTJRnsvD) [\\[3\\]](#cite-id-kimzDd9Mma7a8K2z)​\n\nA significant development in the project's history occurred on March 31, 2026, when Finchain formally announced its adoption of a suite of services from [Chainlink](https://iq.wiki/wiki/chainlink). \n\nAn earlier announcement of a major integration was made on April 24, 2024. This collaboration was aimed at accelerating the distribution of its tokenized assets and enhancing the transparency and compliance mechanisms of its FUSD stablecoin, particularly within the Asian market. [\\[2\\]](#cite-id-aSSfVaRLY8Ptu98u) [\\[3\\]](#cite-id-kimzDd9Mma7a8K2z)​\n\n## Technology\n\nFinchain's technical architecture is designed to support a compliant and scalable environment for decentralized financial applications. \n\nIt is built as a Layer 2 scaling solution that is fully compatible with the [Ethereum](https://iq.wiki/wiki/ethereum) Virtual Machine (EVM), allowing developers to deploy existing Ethereum-based decentralized applications and development tools with minimal modification. [\\[1\\]](#cite-id-pLyyHqKjQTJRnsvD)​\n\n### Blockchain Architecture\n\nThe platform's Layer 2 technology evolved through its testnet phases. The initial \"SuperNova\" testnet employed a hybrid model of Optimistic Rollups and [zkEVM](https://iq.wiki/wiki/zkevm). \n\nThe subsequent \"Stella\" testnet upgraded the network to a full zero-knowledge [Ethereum](https://iq.wiki/wiki/ethereum) Virtual Machine ([zkEVM](https://iq.wiki/wiki/zkevm)) architecture. This design targets low transaction settlement fees and employs a modular \"Plug and Play\" technology stack to simplify development. For security, the network utilizes a proprietary system called \"FinChain Starlink,\" which is described as being trusted by global institutions. [\\[1\\]](#cite-id-pLyyHqKjQTJRnsvD)​\n\n### Compliance and Identity\n\nA core element of the Finchain platform is its focus on regulatory compliance, which is enforced network-wide. All users and participants are required to complete KYC/AML verification of their identity and source of funds. [\\[1\\]](#cite-id-pLyyHqKjQTJRnsvD)​\n\nTo manage this, Finchain has developed two key components:\n\n* **Universal Decentralized Identity (DID) System:** This system uses SoulBound NFTs to represent a user's verified identity on-chain. It enables a one-time verification process that grants users access to all applications and services within the Finchain ecosystem. This is intended to reduce the redundancy and cost associated with repeated KYC checks. [\\[1\\]](#cite-id-pLyyHqKjQTJRnsvD)\n* **FinPass:** This feature functions as a non-transferable digital identity token or \"passport.\" It is issued to users upon successful identity verification and serves as a credential to grant them permission to participate in specific RWA offerings, acting as a gatekeeper for compliant asset trading. [\\[3\\]](#cite-id-kimzDd9Mma7a8K2z)\n\n### Chainlink Integration\n\nFinchain has integrated several key services from [Chainlink](https://iq.wiki/wiki/chainlink) to enhance its platform's interoperability, transparency, and compliance capabilities. [\\[2\\]](#cite-id-aSSfVaRLY8Ptu98u)​\n\nThe integration includes:\n\n* Cross-Chain Interoperability Protocol (CCIP): CCIP is used to enable secure and reliable transfers of tokenized RWAs and the FUSD stablecoin across different blockchain networks. Finchain's goal with this integration is to create a \"financial highway\" that improves capital efficiency and supports cross-border payments throughout Asia. [\\[3\\]](#cite-id-kimzDd9Mma7a8K2z) [\\[2\\]](#cite-id-aSSfVaRLY8Ptu98u)\n* Proof of Reserve (PoR): To ensure transparency for its FUSD stablecoin, Finchain uses [Chainlink](https://iq.wiki/wiki/chainlink) PoR to provide high-assurance, on-chain verification of the real-world assets that collateralize it. The implementation includes a \"Proof of Reserve Secure Mint\" mechanism, which automatically halts the minting of new FUSD tokens if the underlying reserves are found to be insufficient, thereby preventing the creation of unbacked assets. [\\[3\\]](#cite-id-kimzDd9Mma7a8K2z) [\\[2\\]](#cite-id-aSSfVaRLY8Ptu98u)\n* Automated Compliance Engine (ACE): Finchain is adopting [Chainlink](https://iq.wiki/wiki/chainlink) ACE to embed and enforce on-chain compliance rules directly within its smart contracts and the FUSD stablecoin. This service allows for the automated execution of rules such as transaction limits, identity verification checks, and filtering against sanctions lists. [\\[2\\]](#cite-id-aSSfVaRLY8Ptu98u)\n\n## Ecosystem and Products\n\nFinchain's ecosystem is built around the tokenization of real-world assets and providing the necessary financial tools to support their lifecycle on the blockchain. [\\[1\\]](#cite-id-pLyyHqKjQTJRnsvD)​\n\n### RWA Tokenization\n\nThe platform's central offering is a technical and legal framework for converting real-world assets into digital tokens. It features an RWA Market, which is a dedicated marketplace for verified users to buy and sell these tokenized assets. \n\nThe platform connects conventional banking with [digital asset](https://iq.wiki/wiki/digital-assets) wallets, allowing users to link both bank accounts and non-custodial wallets to facilitate the flow of funds. [\\[3\\]](#cite-id-kimzDd9Mma7a8K2z) [\\[1\\]](#cite-id-pLyyHqKjQTJRnsvD)​\n\n### FUSD Stablecoin\n\nFUSD (FinChain USD) is the platform's proprietary stablecoin, pegged to the US Dollar. It serves as the primary medium of exchange and unit of account within the Finchain ecosystem. \n\nThe stablecoin is designed to be backed by compliant real-world assets, with its collateralization ratio made transparent through the [Chainlink](https://iq.wiki/wiki/chainlink) Proof of Reserve integration. FUSD is also designed to be multi-chain, utilizing a token bridge powered by [Chainlink](https://iq.wiki/wiki/chainlink) CCIP for transfers between different networks. Associated with the stablecoin is the FUSDLP token, a [liquidity provider](https://iq.wiki/wiki/liquidity-providers) (LP) token for users who supply liquidity to FUSD pools. [\\[3\\]](#cite-id-kimzDd9Mma7a8K2z) [\\[2\\]](#cite-id-aSSfVaRLY8Ptu98u)​\n\n### Other Services\n\n* On/Off Ramps: Finchain provides compliant solutions for both retail and institutional users to convert fiat currency into [cryptocurrency](https://iq.wiki/wiki/cryptocurrency) and vice-versa within its ecosystem. [\\[1\\]](#cite-id-pLyyHqKjQTJRnsvD)\n* Payments: The platform includes infrastructure to support crypto payments and payment-focused fintech (PayFi) applications. [\\[1\\]](#cite-id-pLyyHqKjQTJRnsvD)\n\n## Governance\n\nFinchain describes its governance structure as an \"Innovative Governance\" model. The system is designed to allow both community members and institutional stakeholders to participate in the network's decision-making processes. \n\nHowever, specific details about the mechanisms, such as token-based voting or council structures, have not been publicly detailed. [\\[1\\]](#cite-id-pLyyHqKjQTJRnsvD)​\n\n## Team and Investors\n\nThe Chief Technology Officer (CTO) of Finchain is Lance Liu. Other founders, executives, and key team members have not been publicly identified in the available materials. [\\[2\\]](#cite-id-aSSfVaRLY8Ptu98u)​\n\nFinchain has received support and investment from a range of organizations, including:\n\n* Fosun Wealth Holdings\n* [Solana](https://iq.wiki/wiki/solana) Foundation\n* [Vaulta](https://iq.wiki/wiki/vaulta) Foundation\n* [Sonic](https://iq.wiki/wiki/sonic) Labs\n* [Avalanche](https://iq.wiki/wiki/avalanche)\n* [Animoca Brands](https://iq.wiki/wiki/animoca)\n* Tengyun Capital\n* Unified Ventures\n\nThis list of investors supports the project's development and its strategic goals in the digital asset space. [\\[2\\]](#cite-id-aSSfVaRLY8Ptu98u)​","summary":"Finchain is a global financial layer for Real-World Assets (RWA) in DeFi. It provides a compliant, EVM-compatible network for RWA tokenization, featuring the FUSD stablecoin and integration with Chainlink for cross-chain interoperability and transparency.","images":[{"id":"QmWc8xuHAipBBw1rhxDyNFk1PAgjcJqm7pzNNZv64E1j1o","type":"image/jpeg, image/png"}],"categories":[{"id":"defi","title":"defi"}],"tags":[{"id":"Protocols"},{"id":"Blockchains"},{"id":"Stablecoins"},{"id":"Organizations"},{"id":"Solana"}],"media":[],"metadata":[{"id":"references","value":"[\n  {\n    \"id\": \"pLyyHqKjQTJRnsvD\",\n    \"url\": \"https://www.finchain.global/\",\n    \"description\": \"Finchain project fundamentals and technology overview\",\n    \"timestamp\": 1775133500087\n  },\n  {\n    \"id\": \"aSSfVaRLY8Ptu98u\",\n    \"url\": \"https://www.prnewswire.com/apac/news-releases/finchain-adopts-chainlink-standard-to-accelerate-distribution-of-its-tokenized-assets-across-asia-302729446.html\",\n    \"description\": \"Finchain Chainlink partnership and investor details\",\n    \"timestamp\": 1775133500087\n  },\n  {\n    \"id\": \"kimzDd9Mma7a8K2z\",\n    \"url\": \"https://finchain.gitbook.io/finchain-docs/en\",\n    \"description\": \"Finchain RWA marketplace and FUSD stablecoin details\",\n    \"timestamp\": 1775133500087\n  }\n]"},{"id":"email_url","value":"mailto:hello@finchain.global"},{"id":"website","value":"https://www.finchain.global/"},{"id":"references","value":"https://finchain.gitbook.io/finchain-docs/en"},{"id":"commit-message","value":"\"Added Finchain wiki page\""}],"events":[{"id":"80b32f67-6f9b-4102-9769-1e4792f8431b","date":"2025-06","title":"SuperNova Testnet Launch","type":"DEFAULT","description":"Launched the first public testnet, SuperNova, featuring a hybrid Optimistic and zkEVM architecture with Decentralized Sequencers.","link":null,"multiDateStart":null,"multiDateEnd":null,"continent":null,"country":null},{"id":"b471cebb-b970-4a61-97fc-5a3b1db1b450","date":"2025-12","title":"Stella Testnet Upgrade","type":"DEFAULT","description":"Upgraded the testnet to a full zkEVM architecture during the second testnet phase.","link":null,"multiDateStart":null,"multiDateEnd":null,"continent":null,"country":null},{"id":"35255012-0475-4051-b56c-afae3ee8b7f0","date":"2026-03","title":"Stella-Extension Testnet Update","type":"DEFAULT","description":"Introduced staking functionality and the FinChain Points Rewards program in the final testnet phase before mainnet.","link":null,"multiDateStart":null,"multiDateEnd":null,"continent":null,"country":null},{"id":"fa3800bb-61c9-461c-8d10-f89ac01a497a","date":"2026-06","title":"Nebula Mainnet Launch","type":"DEFAULT","description":"Scheduled the official launch of the Finchain mainnet, codenamed Nebula, for full public activation.","link":null,"multiDateStart":null,"multiDateEnd":null,"continent":null,"country":null},{"date":"2026-04-02","title":"Finchain Founded","type":"CREATED","description":"Finchain was founded and officially launched.","id":"84fc8a54-d207-424b-926f-19577785e638"}],"user":{"id":"0x8af7a19a26d8fbc48defb35aefb15ec8c407f889"},"author":{"id":"0x8af7a19a26d8fbc48defb35aefb15ec8c407f889"},"operator":{"id":"0x212Cb3F4aE6611054637f9f78F18fB628AD258bb"},"language":"en","version":1,"linkedWikis":{"blockchains":[],"founders":[],"speakers":[]}}