Thanks a lot for actively participating in the Nord Finance AMA held on 5th July 2021 at the

Game of Bitcoins Channel. We really appreciate all your support. This post is a recap of the
entire session held with Nord Finance

We have with us Amarnath Reddy

My self Amarnath Co-Founder and CEO of Nord Finance , I have been into crypto since 2017
end, the exact last bull run. I was fascinated by the technology and volatility of the industry,
Have Co-Founded Amesten Asset (crypto Hedge fund) in mid of 2018 , taking care of
operations and Research analyst for early-stage blockchain startups.

After leaving from Amesten in Sept 2020 , we have Co-founded Nord Finance along with Mr
Jignesh Vasoya who is lead Developer at Tezos India Foundation , he also worked on financial
platforms with Ethereum & Hyperledger Fabric. Jignesh and me know each other for quite
sometime and we have been exploring DeFi space for quite some time , we then came up with
this idea of founding Nord Finance.

Nord finance is an advanced decentralized financial ecosystem designed to simplify DeFi

investing by bringing key features of traditional finance to the DeFi ecosystem. We want to be
an investment banking on DeFi. We have four key products in our ecosystem Key Products:

Nord.Savings: Earn highest risk-adjusted APYs across chains

Nord.Advisory: Risk profile based Robo Advisory

Nord.Loans: Overdraft crypto loans/loans against portfolio

Nord.Swap: Multi-chain asset swap facility for DeFi users

Q1. Is your platform suitable for Crypto beginners? Or does it only appeal to professional
users?

Its for both I can say

Crypto beginners who don't know where and how to invest can maximize their exposure via
Nord Finance . We have multiple products as mentioned above that can serve them based on
their needs.

Even for professional users we can cater with our products like for example NORD Advisory can
be best example as they can complement with the users professional background to chose the
best strategies and invest without being spending loads of time in front of the system to enter /
exit on right times.

Q2. Nord Finance has a feature called an automatic advisory that is supposed to
understand the needs of individuals and requirements based on their goals. Could you
please tell more about the machine-learning/AI functions behind it?

Yes We have recently released article on how dose NORD Advisory works to give glimpses
about the product

https://nordfinance.medium.com/how-dose-nord-advisory-works-aa5166f811df

Also read about how NORD Advisory gets a boost with Solidum Capital partnership

http://bit.ly/Nord-SolidumCapital

We will create different baskets of digital assets into groups based on risk profile and rebalance
them based on backend tested data along with TA and FA news . We kind of act as a Fund
manager to the users to chose best investment strategies.

We want to build a truly decentralized protocol so that users have the full rights to decide what
they want to do. All the user funds are non custodial and permissionless.

Q3. Your mission at Nord Finance is to make DeFi accessible to all. What do you consider
to be the main limitations that a person faces when they want to enter DeFi and how does
Nord Finance facilitate that process?

The main limitations for the new user is to chose right DeFi product or strategies to maximize
the returns and at the same time not get rugged or lost his funds wrong places .

Its difficult to chose and invest in right product , some times it may happen user dont know what
to buy , when to buy and sell due to lack of knowledge . Even experienced users in crypto also
tend to lose returns due to bad investment decisions .
We have catered our products to address different needs of the users based on their risk , for
example NORD Savings first priority is to safe guard capital by investing most secured lending
protocols like AAVE and Compound etc..

We want to address the problem by allowing users to invest in most secure assets and enter
and exit on right times to maximize the returns , like NORD Advisory invests in volatile assets
based on risk taking capacity of the user.

Similarly NORD Loans for over collateral loans of users digital assets.

We want to be one stop solution for all financial needs of the users like an Investment banking!

Q4. You point out that you count with zero-cost transactions, but then you mention that
"the smart contract absorbs the gas rate that is adjusted in the final APY", but will the
gas rates really always be zero for all types of investors? Or will it vary according to the
investment?

What we mean is to have gas-less transactions by not bothering to have eth / matic / BNB in the
wallets to pay the fees.

By meaning if user is depositing 1000 USDT and gas fee is 10$ on ethereum we allow users to
pay the gas fee from the deposit itself and adjust same in final APY . So that there is no ETH
spent , similarly on BSC and Polygon. We are doing internal testings with our partner to
implement this very soon.

Q5. Smart contracts are vulnerable to bugs, and even recently three big new DeFi
projects were victims of this, costing users funds. How efficient and secured is your
smart contract, and did you ever audit it via any external party?

Our first and foremost priority is to build more secured and optimised protocol , looking at the
recent incidents of different protocols we have been highly vigilant and proactive in choosing the
right auditing firm to meet our goals. We are proud to say we choose Zokyo as our long term
strategic partner to conduct all our security audits.

https://nordfinance.medium.com/announcing-the-successful-audit-of-nord-finance-smart-contrac
t-by-leading-blockchain-security-firm-b6d9fb15a84e

We have also recently partnered with Quill Hash another security firm who has done audit for
our NORD Savings V2 on Polygon .

https://bit.ly/Nord_AuditReport

http://bit.ly/NordV2_AuditReport

http://bit.ly/NordV2_AuditReport_2

you can find our security audit reports here !

Q6. I could see that they recently renewed their website, but apart from that, did they also
complete any updates to their platform and products apart from their association with
Polygon?

Yes we have also launched NORD Savings V2 on Polygon and soon will be launching Nord
Advisory as well !

https://nordfinance.medium.com/launching-of-nord-savings-on-polygon-a-tier-based-savings-pro
tocol-962842ca02aa

Q7. Regarding your native NORD tokens, could you tell us about their distribution and
their usefulness in each of your products and in their use on the platform in general?
Also, where is it listed currently and soon?

Tokenomics can be found here !

https://nordfinance.medium.com/nord-tokenomics-and-distribution-edba056bf6e1

Also we recently pause the $NORD token distribution for seed and private investors for 3
months . We are also postponing the team token release for next 3 months.

https://t.me/NordFinance_Ann/244

Nord Listings:

⚡️Official $NORD contract address

0x6e9730ecffbed43fd876a264c982e254ef05a0de

Note: Remains same on both chains ETH and BSC

DEX Listings:

⚡️ Uniswap

⚡️ Pancakeswap

⚡️ ParaSwap

⚡️ Matcha.xyz

CEX Listings:

⚡️Kucoin

⚡️Gate.io
⚡️Bitmax

⚡️Bilaxy

NORD Cross chain Bridge:

⚡️ ChainSwap

⚡️ BitMax

Q8. Do Nord Finance communities care enough? Have you made any changes in your
project with the opinions and contributions of your communities?

We take our community feedbacks regularly and encourage them to spread the word across.
We respect users feedback and we implement them in our product updates according to
requirements.

Q9. Days ago I noticed that your savings application on Binance Smart Chain Mainnet
weren't yet available, but are they really already? If not yet, will you already have the
exact date of when it will be available? Apart from that, which tokens will be available in
those products?

With the recent spate of flash loan attacks on BSC projects we consider it our pressing duty to
find the best possible ways of shielding our users from these incidents. After carefully going
through each type of flash loan attack, to safeguard users we have to pause the BSC launch.
That’s why we decided to move the new tier-based savings protocol launch to Polygon with
other major protocols already live on it.

we will soon be launching on BSC as per the roadmap

Q10. Does your project support staking program?if yes. how is your stake system work,
what is the requirement for user if they want to stake in your platform?

We have different staking programs live on both BSC and Polygon for both single asset and LPs

https://t.me/NordFinance/105760

https://t.me/NordFinance_Ann/286

Q11. I am a professional vulnerability finder on the web, do you think your system is safe
enough from hackers? Does NORD FINANCE have a reward program for detecting a
system's security vulnerability?

Yes we do encourage users to find vulnerabilities and can freely report to us at

contact@nordfinance.io . We reward them based on severity.
We have many more questions to answer , however due to time constraint I an only answer few
. If any question needs our attention feel free to ask in our Community: @NordFinance