UD tech Service Group

Project White Papers

CONTENTS

CONTENTS

About UD tech Service Group P1

The Core Philosophy Of Unicolor Deer P7

Core Technology Of Unicolor Deer P10

Credit Market Fundamentals P16

Market Demand Survey P22

Technology Products P25

Core Team Introduction P29

Development And Planning P33

Disclaimer P36
01
About Unicolor Deer
Technology Service Group
Who we are？ What we do？

How We Operate？ Why Choose Us？

1.1 Who we are？
UD tech Service Group (hereinafter referred to as UD Tech) is headquartered in Colorado, USA,
and was founded in 2018. With the mission of "bringing more win-win opportunities to the
world", the Group is committed to building an open and shared credit system and financial
service platform through scientific and technological innovation to provide safe and convenient
inclusive financial services for global consumers and small and medium-sized enterprises.

The group was founded at the beginning because of the win-win concept by the global
investment company - Sherman Financial Group (Sherman Financial Group LLC) attention and
support, the two sides signed a strategic cooperation memorandum, Sherman Financial Group
has become the most important group investors and strategic partners of the Unicolor deer. The
mutual supportive platform of UD tech has been gradually spreading in the two regions of
Europe and Asia, and has already set up branch offices in the UK, France and Singapore, etc., and
accumulated a large number of users' demands and industry data, so far, UD tech has reached
cooperation with 19,136 financial institutions all over the world, and provided them with the
most reliable credit solutions.

In September 2019, UD tech integrated financial resources, conducted in-depth research on

blockchain, artificial intelligence and other technologies, invited all kinds of financial institutions
around the world to participate, and officially announced the launch of the "Finance+" program,
launching deeply customized mutual aid services for financial institutions - "Unicolor Deer B.C.".
-Unicolor Deer BFP". The program will help more than 50,000 financial institutions to transform
and upgrade to new finance within 5 years.

1.2 What we do？

UD tech ploughs into the financial industry, exploring "cross-border cooperation" as a
development strategy, to create a competitive financial technology platform, around the Group's
development strategy, open services to the industry and the market in phases and in different
fields to realize the cross-industry output of financial technology. UD tech existing platform for
credit maintainers to provide a variety of forms of maintenance of credit methods, the demand
can be free to publish their own help information on the platform, once through the UD tech's
data review, help information will be screened by artificial intelligence and match the most
competent helper, funded by the helper to complete a round of credit cycle maintenance. The
existing platform of UD tech provides a variety of forms of value-added services for the helpers,
including credit repayment CCR, small credit repayment CLSP and bridge fund pool BFP, and
other value-added channels combining safety and security.

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The principal activities of our affiliates and subsidiaries include:

• Direct origination of credit cards and consumer loans (Americas, Europe, Australia)
• For all types of consumer assets (Asia, Australia, North America)
• Servicing Investments in financial institutions, credit card companies, retailers and
others (Europe, Americas, Asia)
• Originated performance and distressed consumer debt Investments in real estate,
corporate debt and structured asset purchases (U.S., U.K.)
• Providing short-term bridge funding to large global institutions (Americas, Europe)

1.3 How We Operate？

Based on the big data information strategy of WEB3.0, UD tech combines all the business areas of
the financial credit (credit card, personal consumption loan, microfinance, etc.) industry -- market,
credit, risk, operation and business technology -- into a single and flexible information mutual aid
platform. The purpose of the platform's business is to help cardholders/borrowers who suffer from
short-term repayment problems. It serves all kinds of credit cardholders and micro-hosts as well as
small and medium-sized enterprises (SMEs), helping them to make timely repayments to banks
and creditors to ensure that their credit is not damaged.

UD tech integrates the needs and advantages of banks, consumer merchants, credit card issuers,
credit card users, helpers, insurance companies and other parties, and through artificial
intelligence and blockchain technology, the best advantages of all parties are brought into play
while guaranteeing the safety of the funds to become a perfect closed-loop of mutual help!

Unicolor Deer

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1.4 Why Choose Us?
Resource Integration Capacity

UD tech has been trusted by many capitals, especially European capitals, and many financial
institutions from Switzerland, France, Germany, Holland, Austria, Sweden and other places have
visited the headquarters to discuss in-depth cooperation, and signed long-term cooperation
agreements with many banks and insurance companies.
As of 2022, UD tech has signed long-term mutual cooperation agreements with 2,350 banks,
18,245 merchants, and 290 insurance companies, and the BFP pool has helped 6,800 enterprises
tide over the crisis since its establishment, involving more than 550 billion U.S. dollars in capital.

Technological Innovation
UD tech attaches importance to scientific and technological innovation, and at the early stage of
its founding, it was committed to linking trust with science and technology, and through the
integration of blockchain, AIoT, data analysis and intelligent risk control and other technologies,
it provides trustworthy and efficient technological solutions for mutual aid-type platforms, and
promotes win-win cooperation and value creation. According to a report released by IDC, a
global authoritative research organization, the platform ranked first in Asia's mutual assistance
market share for two consecutive years in 2020 and 2021. Facing the broad digital future, we
continue to enhance our scientific and technological capabilities, deeply cultivate core basic
software technologies such as privacy computing, blockchain, graph computing, distributed
database and computing infrastructure, and green computing, and focus on solving the
challenges of security and trustworthiness, collaborative consensus, large-scale and complex
data correlation and analysis, storage and computation scale explosion, and reduction of energy
consumption in the development of digitalization. To create a future-oriented, safe, reliable and
green digital technology base, with technology to make data value safe and reliable flow.
UD tech has been at the forefront of the industry in these fields: the number of patents
authorized in privacy computing and blockchain are the first in the world; TuGraph, a large-scale
graph database, is the world's "fastest" graph database with a test record; and OceanBase, a
distributed database, is the industry's first standalone and distributed integrated database,
which can help enterprises realize the value of data. OceanBase, a distributed database, is the
first single-machine integrated database in the industry, which can help enterprises to lower the
threshold of using databases.

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Safety And Security

UD tech requires that all requests for help pass at least 5 layers of security review, thus
guaranteeing the authenticity and reliability of each request for help. Participants must read the
relevant terms and conditions in detail to ensure the correct understanding of all the
information of the entire act of mutual aid, and has purchased a commercial insurance policy for
each act of mutual aid to ensure the safety of the helper's funds.

Through the big data system of WEB3.0, the safety audit of each cooperative partner is
conducted from multiple angles and dimensions to ensure that the bad debt rate is within the
controllable range. A core warning line has been set that the bad debt rate must be less than
5%. Through the collection of data, the bad debt rate has always been controlled below 2.5%
since its creation in 2018.

Bad Debt Ratio (%) Statistics, 2018~2022

CCR CLSP BFP

2.5

1.5

0.5

0
2018 2019 2020 2021 2022

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Help more people

In September 2008, the Coalition for Inclusive Finance was established in Bangkok, Thailand,
with more than 60 developing countries, including Indonesia, Malaysia, Egypt and Brazil, as
key members, and in September 2009, the Group of Twenty (G20) established the Financial
Inclusion Experts Group in Washington, D.C., United States of America. Digital financial
inclusion is based on digital technologies such as mobile connectivity, networks and
communication services, mobile data, cloud computing, etc., so that people who were
previously under-served by financial services can enjoy, in the long term, a wide range of
financial services provided by financial and quasi-financial institutions in different ways,
including deposits, payments, financing, insurance, wealth management, etc. These services
are remunerated and should be paid for and should be provided in a timely manner. These
services should be remunerated and tailored to the needs of users, and provided at prices that
are affordable to customers and sustainable for service providers. Digital financial inclusion
that includes traditional financial institutions on the original product digital innovation, but
also includes some emerging financial institutions to provide the Internet financial products.

Relying on the Internet, network and communication services, cloud computing and other
digital technologies, UD tech breaks through the geographical limitations of financial services,
and to a large extent guarantees the possibility of users to get financial services. Users can
make payments, transfers, investments and other services through the digitized mutual aid
platform, and the resulting transaction data can provide the relevant credit agencies with a
basis for credit collection, so as to provide users with better financial services.

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 Core Concepts

02
With the core concepts of universality, environmental
protection, mutual assistance and win-win situation, UD
tech helps more people to stay away from debt crisis
through scientific and technological innovation, so that a
more convenient, smarter and safer financial system can
meet the needs of users.
2.1 Inclusive Concept
Since its establishment in October 2018, the concept of inclusive finance has been accepted by
more and more countries, based on the United Nations' definition of inclusive finance as "a
financial system that can effectively and comprehensively provide services to all social classes
and groups". With the development of inclusive finance theory and practice, its connotation
and extension have been continuously enriched, expanding from focusing mainly on
microcredit to providing multi-level and diversified financial services such as payment,
remittance, deposit, loan, insurance and wealth management.

With the advancement of science and technology and the popularization of the Internet, a
large number of countries have upgraded their financial technology to enable more people to
experience the convenience revolution brought about by technology. However, there are still
many people in many countries who have not experienced this convenience, and they have
suffered credit crises because they cannot find mutual assistance. UD tech changes this status
quo through the integration of resources and technological innovation, so that more people
will no longer be burdened by debt, no longer burdened by trust.

2.2 Environmental Concept

Unicolor Deer's mutual assistance platform makes cross-continental mutual assistance

possible, before this, financial cooperation is limited to a certain region, only the same region
may form a win-win model of mutual assistance. Distance between the two sides is difficult to
form a consensus, the two sides need to spend more time and energy for in-depth mutual
understanding, from trying to cooperate to establish mutual trust, spend too much time and
money. Now they only need to establish their own account on the platform of Unicolor-
colored deer technology, all the trust data chain is completed by Unicolor-colored deer
technology.

In addition, the UD tech, adhering to the concept of environmental protection, through the
Unicolor Deer Charitable Fund (SCF) and environmental protection organizations in many
places to reach cooperation, according to the user's contribution to the platform data, in the
name of the customer in various parts of the world planted tens of thousands of trees. Many
of these trees have become the most important local forests. UD tech has also established the
Stray Pet Protection Fund, which has helped more than 5,000 stray pet protection
organizations obtain funding through its operation.

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2.3 Mutual Aid Concept
On August 19, World Humanitarian Day, former United Nations Secretary-General Ban Ki-
moon stated that people should take advantage of the historic opportunity provided by
Humanitarian Day to promote the spirit of solidarity and mutual assistance, and to change
the lives of all of us through the good deeds of each individual. The earth's overall resources
are limited, and highly uneven distribution, in this case, a lot of people are facing a lack of
means of production, only spontaneous mutual aid can solve this problem, so many
governments are advocating mutual help between people, on the Internet to carry out a
variety of mutual aid activities. With the idea of letting more people participate in mutual aid,
UD tech has solved the link from the demand side to the pay side, so that mutual aid can be
generated among the people in two countries, and mutual aid can be transcontinental and
trans-racial.

Unicolor deer knows that the financial model of the mutual aid method is not water without
a source, only to solve the trust crisis can solve the core problem of mutual aid is sustainable,
so UD tech in the safety and security of deep technology, through big data and intelligent
system evaluation, to ensure the accuracy of each piece of information, so that the trust is
unimpeded.

2.4 Win-Win Concept

Win-win cooperation reflects the new trend of the times. With the continuous advancement
of economic globalization and social informatization, the world is becoming more and more
"flat", the "global village" is getting smaller and smaller, "unity is strong, isolation is weak",
the concept of win-win cooperation conforms to the new reality of the development of the
times, reflecting the new characteristics of the world trend. The concept of win-win
cooperation is in line with the new reality of the development of the times and reflects the
new characteristics of the world trend.

Win-win cooperation opens up a new way of thinking about finance. This concept advocates
the combination of multiple interests, in order to expand the confluence of interests of all
parties as a carrier, seek win-win, multi-win, win-win, abandon all forms of zero-sum game.
UD tech through the integration of multiple resources, understanding the needs of all parties,
the interests of all parties in the first place, creating a situation where all parties benefit.

UD tech adheres to the goal of customer satisfaction, value-added services to create value for
customers, focusing on new products, new thinking, new technologies and intelligent
accelerated innovation, and constantly enrich the connotation of services, improve service
capabilities, to achieve win-win development of the company and customers.

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 Core Technology

03 UD tech utilizes the latest big data technology,

artificial intelligence technology, and
blockchain technology to strengthen the
security and reliability of its services.
3.1 Big Data

The big data thinking of Unicolor deer includes all-sample thinking, fault-tolerant
thinking and relevant thinking. Through the integration of the three kinds of thinking,
give full play to the screening and screening function of big data on information, and
form a systematic thinking to ensure the reliability of each piece of information.

Holistic Thinking

The fundamental difference between "big data" and "small data" lies in the fact that big data adopts
the whole-sample way of thinking, while small data emphasizes sampling. Sampling is a stopgap
measure when data collection, data storage, data analysis, and data presentation technologies do
not meet practical requirements, or when costs far exceed expectations. With the development of
technology, in the past it is impossible to obtain a full sample of data, it is impossible to store and
analyze a full sample of data will be gone. The era of big data is the era of full samples, and the
sampling scenario will be favorable to small, and eventually disappear in the long river of history.

Fault-Tolerant Thinking

In the age of small data, we are used to sampling. Since sampling is theoretically unstable, the
conclusions are unstable. Generally speaking, the sample size of a full sample is many times larger
than the sample size of a sample, so the slightest error in sampling can easily lead to a conclusion
that is not even remotely close. In order to ensure that the conclusions drawn from the sample are
relatively reliable, people strive for excellence in the sampled data, and there is no room for error. In
the era of big data, because we collect a full sample of data rather than a portion of data, the
anomalies, omissions, negligence and errors in the data are the actual situation of the data, and we
do not need to make any clarification, and the results are the closest to the objective facts.

Related Thinking

In the age of big data, we don't seek sampling, we seek the whole sample. When the entire data is
added to the analysis, causation becomes almost impossible in the era of big data since causation
does not hold as long as there is a counterexample. As a result, the era of big data puts more
emphasis on correlation and correlational thinking.

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3.2 Artificial Intelligence (AI)

Artificial Intelligence and Machine Learning technologies in FinTech will help analyze large
data sets in real time and have the ability to make improvements. As the demand for such
services increases, artificial intelligence and machine learning become key to the
sustainability and growth of the financial industry.

Enhancing Fraud Detection

From loan applications to credit card fraud to
fraudulent wire transfers and false insurance
claims, fraud in financial activities has
increased over the past few years. These
deceptive transactions can cost businesses
millions of dollars. In addition to financial
losses, businesses can also face negative
customer experiences and damage to their
company's reputation.
UD Tech utilizes machine learning solutions to
combat fraud and cybersecurity. Therefore,
with large-scale financial business transactions
carried out on a daily basis, it is impossible to
keep a close eye on every transaction that
occurs on a daily basis. However, AI-based
systems will help monitor banking transactions
in real time. By utilizing this, Unicolor Deer
Technologies will be able to resp on d t o
fr au du l en t act i vi t i es fast er wi t h gr e a t e r
accuracy.
Some of the other ways in which AI is
improving security in the digital payment
sp ace i s t h r ou gh faci al an d fi n ger p r i n t
recognition, voice recognition, etc. In this way,
cyber-attacks will not be able to intrude by
cracking traditional passwords. While these
processes still need to be perfected, AI-
enabled security solutions will in the future
wi l l r ep l a c e t r a d i t i o n a l u s e r n a m e s a n d
passwords.
Improved Security
AI provides a huge boost to data security at
UD Tech. UD Tech supports our customers
with chatbot-enabled artificial intelligence.
These AI models offer a variety of solutions
designed to improve security precautions
such as granting additional access, resetting
passwords, etc.

Better Identification Enriched Data

A r t i fi ci al I n t el l i gen ce h el p s S even D e e r Another way AI is being applied to UD tech is

Technology to automatically and accurately
verify the identity of the customers.KYC is one
way of verifying the identity online while the
other way is using OCR (Optical Character
Recognition) technology which scans the
photographs to recognize their authenticity.
by improving the search function for
transactions.
AI can help people get a clear picture of
expenses and reduce the number of times
they have to contact customer service.

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 Improving Customer Service
As AI makes significant improvements in
customer service, customers are becoming
more accustomed to getting fast responses.
ud tech must be available 24/7 to answer
customer questions and conduct transactions.
ai helps improve customer service by using
sophisticated sentiment analysis that focuses
on identifying deficiencies, training chatbots,
and improving the customer experience.
Task Filtering
Algorithmic tr adi n g u ses A I t o p er for m
financial tasks by using a set of pre-
programmed instructions that analyze and
help make operational decisions.A I h as
changed the traditional way of operating by
minimizing millions of data points in real time.
With the help of AI in, customers can get
recommendations for services and tasks that
are more relevant to their situation.
UD Tech's AI is also absorbing new data and
learning from it. AI-based systems can quickly
adapt to changing needs. In the future, AI in
finance will minimize risks by making
informed decisions.
User Behavior Analysis
UD Tech's AI can help predict user behavior
with the help of payment APIs, which can
provide additional benefits to companies. For
example, if a user requests data about their
expenses, the AI can help predict behaviors
such as subsequent requests on the server
side and provide the information in the same
response.
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Personalized Experience
UD Tech has millions of customers and it
would become daunting to personalize a
large number of customers manually.
However, by personalizing our services, we
can enable our cust om er s t o t r u st an d
increase brand loyalty. Our clients will be
better able to read cu st om er dat a an d
provide a personalized experience thanks to
an AI system that learns from itself.The AI
model analyzes voice features and is able to
recognize real patterns.
Cost Savings
By using AI-powered applications, UD Tech
saves hundreds of millions of dollars in labor
costs, resources, and capital. This is because
it takes more time to complete the work
manually, in addition to the labor costs
associated with it being very expensive.
However, processing small queries through
AI may reduce labor costs. In this way, UD
Tech saves more money and provides better
services to attract new customers.
Automatic Approvals
In the past, getting approval for clients to
get help was time-consuming and involved a
lot of paperwork. However, UD Tech reviews
will be able to get approvals faster thanks to
AI-based automation.The AI model evaluates
creditworthiness by validating checks and
ensures that financial status requirements
are met.
3.2 Blockchain Technology
The core technology of blockchain mainly includes: consensus mechanism, data storage,
network protocol, encryption algorithm, privacy protection, and smart contract.

The basic feature of blockchain, "strong security mechanism under open architecture", is in a sense
a new type of security infrastructure. Unlike traditional cryptography-based "defensive" security
technologies, blockchain does not concentrate sensitive data that needs to be protected in the
"cloud" and then try to build a "security fortress" against external intrusion. Blockchain is not about
centralizing sensitive data in the "cloud" and trying to build a "security fortress" against external
intrusion. The security infrastructure represented by blockchain is a kind of global security, in which
the data in the blockchain are "collectively co-managed and coexisted", and the location of the
storage is changed at any time; only real and effective data will be connected to the chain, while
forged data will be automatically discarded by the system.
The data storage and circulation of blockchain is not done by a single individual, but a global force.
Blockchain was first discovered and emphasized by UD Tech because the financial industry is most
sensitive to security, but the traditional security architecture never seems to be able to solve the
problem of "the Taoist is high, the devil is high". Financial regulation is the same, the traditional
regulation tries to use all kinds of means to eliminate financial risks, is a passive defensive
mechanism, and based on the blockchain financial regulatory infrastructure allows regulators to set
up a kind of open "fault-tolerant" structure and mechanism, and require a large number of
participants to carry out activities under the structure of this setup, mutual supervision and
constraints. They are required to monitor and constrain each other. Even if a few participants do not
comply with the "rules of the game", a global consensus-based mechanism will enable the majority
of participants to immediately detect such situations and automatically report, correct and penalize
them.

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2 Typical Security Testing Tools Used by UD Tech

1.The Oyente symbolic execution tool

Oyente is an automated smart contract auditing tool that analyzes smart

contracts and returns possible buggy attacks, including well-known types of
DAO attacks. The tool analyzes bytecode and has requirements for the
compiler version of the contract, and can only detect versions below solc
0.4.21 when run with docker.

This tool is an open source tool that can detect a variety of vulnerabilities, including integer
underflow, integer overflow, multiple checksum errors, Callstack depth attack vulnerability,
Transaction Ordering Dependency (TOD), dependency on timestamps , Re-Entrancy vulnerability, by
executing this command greeter.sol, you can perform security testing and analysis of the above 7
major vulnerabilities, here indicates that the code detection coverage of 99.5%, no vulnerability risk
found.

2. Mythril security analysis tool

Mythril is a security analysis tool for Ether EVM bytecode. It detects security vulnerabilities
in smart contracts built on Ether, Hedera, Quorum, Vechain, Roostock, Tron and other evm-
compatible blockchains.

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 Credit Market

04 Fundamentals
UD Tech fully understands the credit markets
on every continent in the world and analyzes
the data accumulated over the years to make
the optimal solution.
4.1 Status Of Credit

Based on the credit data in North America (below), it can be analyzed that the overall total amount of
credit has been increasing year after year from 2017 until 2022, and the rate of increase has been
gradually amplified. More and more users are using credit to fulfill their consumer and entrepreneurial
needs. Credit delinquency data for North America also shows that with the epidemic, more and more
users are unable to make regular credit payments due to financial problems, leading to a credit crisis, as
well as resulting in the creation of bad debt in multiple financial systems. Credit users, credit extenders
and the financial system as a whole are under increasing pressure. The life difficulties caused by the
credit crisis also make more people unable to maintain their social references, leading to more costs of
living and working.

Data sources：https://www.federalreserve.gov/releases/g19/current/

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 Data sources：https://www.federalreserve.gov/releases/g19/current/

Credit crisis has become a serious problem in society, so that the interests of many parties
have been damaged, to solve this problem is the starting point of theUD tech, so that the
interests of many parties are maintained, but also so that investors can have a more stable
and reliable income, so as to form a win-win situation for all parties.

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 Data sources：https://www.federalreserve.gov/releases/g19/current/

4.2 Impact of COVID-19

The social trauma that manifests itself in the form of unrest during or just after a pandemic
outbreak may not emerge as quickly. Indeed, humanitarian crises may impede the
communication and transportation needed to organize large-scale protests. In addition, public
opinion may be more supportive of cohesion and solidarity in times of stress. In some cases,
incumbent regimes may also use emergencies to consolidate power and silence dissent. So far,
the situation in the new crown epidemic is consistent with this historical feature. Indeed, the
number of major destabilizing events globally has fallen to its lowest level in nearly five years.
The United States and Lebanon are notable exceptions, but even in those two countries, large-
scale protests have been in response to problems that may have been exacerbated by, but
were not directly caused by, the new crown epidemic.

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 The social impact of COVID-19 has a
direct impact on everyone's ability to
spend and pay back, many users are
carrying large amounts of medical
borrowing and drug expenses because
of COVID-19, many credit users wish to
maintain their social credit, but due to
the arrival of COVID-19, forcing them
to put their social credit issues on hold
for the time being, forcing them to
become a defaulted credit user.

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4.3 Bank Bad Debt Situation

Banks' bad debt ratios have been increasing year over year since 2015, and have risen sharply
under COVID-19. From the icons above, it is easy to see that the bad debt rate and the total
amount of bad loans for each institution has reached an all-time high.

The subprime crisis of 2008 plunged many financial institutions into crisis, and the financial systems
of almost all countries around the world were affected to varying degrees. The far-reaching impact
of this COVID-19 has prompted the US to open up the limits of QE, which at one point sent the US
2022 CPI index over 8% for five consecutive months. These bad loans have put many financial
institutions on the verge of bankruptcy.

Non-performing loan ratio for all types of commercial banks

Large commercial banks Joint-stock commercial banks

City commercial banks Rural commercial banks

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 Market Demand

05 Survey
UD Tech conducts big data collation surveys on
various users and organizations to analyze the
needs of the market and find a win-win pole
for multiple parties.
5.1 Needs of credit card users
Credit users would like to have a better service experience, a faster repayment process, more
effective overdue reminders and lower credit rates. In addition, credit users, when facing
insufficient funds and unable to repay the loan on time, hope that there is a wider repayment
period, so that their social credit will not be affected by the late payment.
UD Tech has fully analyzed the needs of credit users, and through the diversified functions of the
platform, it helps credit users to solve the problem of loss of credit caused by temporary shortage
of funds. The creditors can release their own needs in the colorful deer platform, carefully fill in
their credit information and bill amount, through the approval, only need to pay a small part of
the handling fee can complete the repayment of revolving loan behavior.

5.2 Needs of credit card issuing banks

Credit card issuing bank as a provider of credit, itself has a large enough pool of funds, they want
to have more honest users, all credit users can pay back the borrowed money on time, there is no
default phenomenon, in order to create a good environment for customers to consume in
advance, and the bad debt rate in the process of borrowing and lending is minimized.
UD Tech fully analyzes the needs of credit card issuing banks, and through the mutual aid
function of the platform, it makes up for the overdueness of individual users due to financial
problems through mutual aid. This reduces the bad debt rate of the bank, so that the bank can
focus on providing better lending services, rather than spending a lot of manpower and resources
for collection.

5.3 Needs of Lending banks

Most banks derive their income from capital lending, where they earn a steady return on interest
rates. Lending banks want to have more honest individuals or institutions, so they spend a lot of
effort screening customers and investigating their backgrounds so that the capital lent can be
screened by customers without creating capital bad debts. Although screening the qualifications
of customers can effectively reduce the rate of bad debts, however, it leads to a lot of cases in
which individual users and institutional users are unable to repay their loans, and lending banks
are not able to completely eliminate the generation of overdue loans.

UD Tech has fully analyzed the needs of lending banks, and through the BFP function of the
platform, it can make up for the bad debts caused by individual users due to financial problems
by means of bridging. Lending banks want to reduce uncertainty so that all revolving credits are
repaid on time, and UD Tech solves this problem.

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5.4 Investor (financial user) needs

Individuals or institutional clients who own capital want to preserve and appreciate the value of
their capital, so they utilize a variety of ways to make their capital compound. With the onset of
inflation, preserving the value of capital has become the most pressing need of capital owners.
Although they can deposit their capital in the bank and get part of the interest from the bank
steadily, the income from this part of the interest can't offset the currency depreciation caused
by inflation at all, so they need a safer and higher rate of return capital gains.

UD Tech has fully analyzed the needs of financial customers, and the platform has a variety of
ways to accomplish stable profitability. Customers can choose a suitable financial project
according to their own planning for their capital, or choose one of them to optimize their
financial management through the automated matching of AI, so as to make their capital play a
greater role and obtain higher and more stable capital gains.

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 Technology Products

06 UD Tech has developed a variety of mutual aid

task reward mechanisms such as CCR/CLSP/BFP
after years of technical accumulation for different
types of needs.
6.1 Credit Card Repayment——CCR

CCR is a mutual aid type of task that profits from helping others with their credit card bill
payments. The contributor receives a guaranteed income and the credit card holder receives bill
payments and a good credit history.

Some credit card holders are temporarily unable to repay their consumer bills before the repayment
date due to various reasons. The card issuer will provide some programs to relieve the cardholder's
repayment pressure, but the repayment methods provided by the card issuer still require the
cardholder to pay high handling fees and interest. As a result, many cardholders have to pay for this.

In order to maintain a good social credit record, cardholders may find some entrusted persons to help
pay off their credit card bills on their behalf, and then later return the repayment amount in the form of
credit card spending to the person who helped them make the repayment. However, this kind of
entrusting others to pay back the credit card bills on behalf of others carries certain risks, and it is easy
to be lured by lawless elements to informal merchants to swipe the card to spend money, and then
steal credit card data information and forge credit cards to carry out illegal and criminal activities.

UD's repayment platforms will first obtain funds from investors to help cardholders pay off bills that are
about to expire, then make online payments at regular merchants, and then return the funds to the
investors who provided the funds once the spending is complete. To do this, the cardholder pays a
minimal fee to complete the current bill payment, and by utilizing the revolving credit card limit, the
cardholder can continue to pay each subsequent bill in this way.

UD's CCR platform utilizes artificial intelligence and blockchain technology to screen task initiators'
funding and credit profiles at multiple levels, selecting only those tasks with normal credit card bills and
no false information, and matching the most appropriate funders through big data algorithms. Six to
eight hours after a funder submits a task, the task is completed, the funded funds are returned, and the
funder receives one-thousandth of the funds as a reward for the task. Funders can complete tasks
within a cycle without any limit on the number of tasks.

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 6.2 Credit Loan Support Program——CLSP

CLSP is a mutual aid type of task that profits by helping others with their credit loan bill
payments. The contributor receives a guaranteed return and the lender receives bill payments
and a good credit history.

Credit loans have become the best solution for many people to solve their financial problems, and
many users apply for their own credit repayment through their bank's credit loan window, which is
usually easy to realize as long as the user has enough social credit worthiness. These types of credit
loans are usually larger in terms of funds and require either a one-time repayment or an installment to
pay off the bill. Due to some force majeure reasons of their own, credit users may not be able to pay
their bills on time by the credit repayment date and the bank may collect the bills through a collection
agency. If a credit user defaults on a loan, he or she will have to pay a large sum of money in default,
and it may also affect his or her social credit, which will bring great inconvenience to his or her life and
work in the future.

UD Tech's CLSP platform supports the repayment of small loans, and the credit user can release his or
her demand for repayment through the platform, and AI and blockchain technology will verify the
information in multiple rounds to ensure that all the information is accurate, and UD Tech will contact
the lending bank and make contact with the lending bank to ensure the accuracy of all the information.
Get in touch with the lending bank and sign a cooperation agreement. After signing the agreement, the
AI system will match the most suitable contributor for credit repayment through big data.

On the CLSP platform, contributors can utilize their idle funds to help some creditors pay off their loan
bills that are about to be overdue, thus earning the corresponding proceeds.The cycle of CLSP orders
for each task completion is 7 working days, and at the end of the 7 working days, the contributor's
funds and the corresponding proceeds will be returned, and the contributors can utilize their own funds
to complete the tasks in a cyclical manner without any limitation on the number of tasks.

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 在CLSP平台，出资人可以利用自己的闲置资金帮助一些信贷者偿还即将逾期的
6.2 Bridge Fund Pool ——BFP
贷款账单，从而获得相应的收益。CLSP订单每次任务完成周期为7 个工作日，7
个工作日结束后，出资者的资金和相应的收益将返还，出资者可以利用自己的资
金循环完成任务，不受任务的数量限制。
BFP is a mutual product that helps businesses through the loan cycle through collective
funding. Contributors receive a stable income, and the business receives an extension on its
bank loan as a result.

A bridge loan refers to the financial institution A to get the loan project, itself due to the
temporary lack of funds do not have the ability to operate, so they look for financial institutions B
to discuss, so that it helps to issue funds, such as A financial institutions in place after the funds, B
is withdrawn. This loan for B, is the so-called bridge loan.

In many countries, the role of Financial Institution A is mainly played by policy banks such as China
Development Bank/Import and Export Bank/Agricultural Development Bank, and the role of
Financial Institution B is mainly played by commercial banks. In a general sense, a bridge loan is a
short-term loan (short-termloan), which is a bridging loan. A bridge loan is an effective tool for
direct capitalization of the timing of the purchase, and the speed of recovery is the *5 advantage
of a bridge loan. Bridging loans have short terms of up to one year, relatively high interest rates,
and are secured by collateral such as real estate or inventory. For this reason, bridge loans are also
known as "bridge financing", "interim financing", "gap financing", "bridge financing", "bridge
financing", "bridge financing" and "bridge financing". "(gap financing) or "swing loan" (swing loan).

The BFP of UD tech plays the role of a financier. Through a large number of resources
integration,UD tech has screened out some long-term cooperation and trustworthy listed
companies, they have huge assets and capital flow, by assisting them to complete the capital reuse,
can reach a win-win purpose.

UD Tech's BFP program supports users to choose financial products with different cycles, which
will have different income rewards for up to 1 year. Users can participate in the cycle to obtain
compound interest income.

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 Core Team
07 UD Tech attaches importance to the accumulation
and cultivation of talents, the company's core team
of 113 people from the founding of the company is
still serving at the forefront.
HANS HENRIK CHRISTENSEN
Founder and Chief Executive Officer

Former Vice President and head of the

management team at Dubai Tech
Entrepreneurship Campus, which managed the
region's largest and most influential tech hub
"Dtec" for 7 years.
Hans holds a BA from Bentley University, an
M B A fr om Hol t S ch ool of B u si n e s s , a n d
certificates in Artificial Intelligence and
Blockchain from Oxford University and MIT,
and is a frequent speaker on Artificial
Intelligence, Blockchain, and entrepreneurship.
He serves on the boards of 13 companies, as
well as being an advisor to two universities
and founder (as CEO) of three startups
spanning different continents that have raised
over $50 million in funding.

EVGENY MISHUK
Chief Financial Officer

Evgeny is a financial professional with over 16

years of experience in international and US
private b an k s an d i n su r an ce com p an i es
(Citibank, Alpha Bank, etc.) Evgeny implements
projects such as: corporate finance,
management reporting improvement, budget
and business process optimization, financial
strategy. Evgeny is also responsible for high
net worth individual clients in different regions.

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 SANTOSH DESHPANDE
Vice-Chairman
Expert in IT Governance, Risk and Compliance
with nearly 11 years of professional
experience in security leadership, auditing and
consulting.
Instrumental in establishing information
security governance, security technology
optimization, security strategy, management
sys t e m s , i m p l e m e n t a t i o n , a u d i t i n g a n d
compliance for numerous successful
organizations. Security thought leader with
excellent project/program management skills
to coordinate and direct all phases of projects,
programs while managing, motivating and
mentoring geographically distributed teams.

NARESH PHANFAT
Chief Operating Officer
Naresh is a Wharton certified Global CFO and
FCA with an illustrious international career
spanning over 20 years. Covering a wide range
of professional services including Corporate
Finance, Valuation, Transaction Services, M&A,
Due Diligence, Feasibility Studies, Business
Combinations, Intellectual Property , Intangible
Asset Valuation, Purchase Price Allocation, IPO
Valuation, Private Placement, Financial Modeling,
Transaction Updates, Stock Exchanges, Ministry
of Oil and Gas Special Assignments, Ministry of
Finance and Ministry of National Economy
projects.

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ALEX SAYEGH
Chief Technical Officer
Alex Blockchain and IT professional, certified Project
Management Professional (PMP) with extensive
management experience in the field of project
management as well as planning and control software.
Designed and developed a number of project
management and financial systems, linking technology to
the investment and financial sectors through
blockchain.Recognized for building complex systems in
challenging environments using a variety of modern
technologies, strong analytical and innovation oriented
skilled professional responsible for managing R&D teams
and their tasks/deliverables, designing technologies,
reviewing new technologies and how they meet certain
requirements.

HASAN HAMAD
Director of Business Development
Fintech enthusiast and supply chain expert with extensive
experience in business operations.
Selected by ITU as one of the 150 young social
entrepreneurs, specializing in the use of digital tools in
public service reporting, engineering and technology
enthusiast.Highly qualified professional with
multidisciplinary skills in managing teams, projects and
corporate environments with a proven track record in
customer relationship management and exponential
growth.

ZINA ASHOUR
Marketing Director
A l eadi n g m ar k et i n g st r at e g i s t w i t h a p a s s i o n f o r
communicating the right brand messages and corporate
values. An entrepreneur who develops long and short
term strategies and tactics for business growth, creative
strategies and innovative public relations specializing is
experienced in handling corporate events and activities.

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 History and

08
Development Plan
UD Tech has a glorious past and will have a
bright future, all according to plan.
Enterprise development history

UD Tech was formally established in October 2018 in Colorado, USA, with the
attention and support of Sherman Financial Group LLC, a global investment company,

2018 with the mission of bringing more win-win opportunities to the world. The mission of
the company is to create a mutual financial platform. Unicolor Deer 1.0, a mutual
support platform, is officially launched and is being piloted in the Americas.

In September 2019, UD Tech integrated the existing financial resources,

through the research of blockchain technology, integrated artificial

2019 intelligence technology, invited the participation of advantageous financial

institutions around the world, officially announced the launch of the
"Finance +" program, launched a deeply customized mutual aid services for
financial institutions - "UD's BFP".

In September 2020, with the support of a number of financial institutions,

2020
UD Tech officially announced the launch of "Finance+", with plans to move
forward steadily, gradually spreading out in two regions, Australia and Asia,
and accumulating a large amount of demand and industry data.

In November 2021, UD Tech's pilot operation in Asia surpassed 10 million

cumulative registered users. The cumulative number of orders processed was
39 million. Accumulated repayment amount exceeded 4 trillion dollars. Help
2021 3.8 million people to maintain social credit, and control the bad debt rate of
2.5% or less, declared that UD Tech in Asia tends to obtain the stage of
success.

In August 2022, UD Tech released "Unicolor Deer 2.0", which upgraded the
credit card repayment system, combined with the big data system to

2022
develop a matching mechanism to make repayment easier. In October, UD
Tech entered the European market and was widely welcomed by European
personnel from all walks of life, appearing in the vision of Europeans as a
savior during the epidemic.

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Corporate Development Plan

Milestones for 2023

In 2023, UD Tech plans to expand "Unicolor Deer 2.0" to Central Asia and Nordic
markets, so that more people can participate in the mutual assistance program. It
will help users in Central Asia and Northern Europe to maintain social credit. By
the end of 2023, the total number of registered users will exceed 50 million. We
will also start the preparatory work for listing on NASDAQ in the United States.

Milestones for 2025

In 2025, UD Tech will upgrade its platform to "Unicolor Deer 3.0" and expand to
more than 100 countries around the world. It will also be successfully listed on
NASDAQ in the U.S., expanding the scale of BFP with the capital of Wall Street in
the U.S., and serving all enterprises in the world.

Milestones for 2028

In 2028, the number of active daily users of UD Tech will exceed 100 million.
Mutuality platform will be upgraded again, the platform version will use 50
languages, and the number of mutuality products will be increased to 10 at that
time, which will be customized for different needs, and convenient for every
enterprise and individual to move in.

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09
Disclaimer
For legal disclaimers, please view this
statement in detail.
 Disclaimer
Please read this white paper carefully and in its entirety. Nothing in this document constitutes
investment, legal or business advice, and you should consult your own advisors before engaging in any
activity related to UD Technologies.Neither any member of UD Technologies nor any service provider
working in any way on UD Technologies shall be liable for any direct or indirect damages or losses you
may suffer as a result of your access to the White Paper, the Website, or any other website or materials
published by the Company. or loss.

This White Paper is for general information purposes only and does not constitute a prospectus, an offer
of securities or a solicitation for investment. The following information may not be exhaustive and does
not imply any element of a contractual relationship. The Company has not made, and does not intend to
make, and hereby expressly disclaims, all representations, warranties or undertakings (including, without
limitation, warranties as to the accuracy, completeness, timeliness or reliability of the contents of this
White Paper or any other material) to any person or entity. To the fullest extent permitted by law, the
Company will not be liable for any indirect, special, incidental, consequential or other tortious,
contractual or other damages of any kind (including, without limitation, any liability arising out of
breach of contract or negligence) arising out of or in connection with the use of this White Paper or any
other materials posted or the content thereof (including, without limitation, any errors or omissions). To
the extent this White Paper contains information obtained from third party sources, the Company has
not independently verified the accuracy or completeness of such information. In addition, due to
changing circumstances, this White Paper may be modified or replaced from time to time, in which case
there is no obligation to update this White Paper or to provide recipients with access to any information
other than that provided in this White Paper. Readers should monitor our website closely for any
updates.

The information set forth herein, or any part thereof, or the facts stated therein, should not be relied
upon as a basis for investment decisions or form the basis of legally binding documents.

References to specific companies and platforms in this white paper are for illustrative purposes only. All
statements contained in this white paper, in press releases or anywhere accessible to the public, as well
as oral statements that may be made by the Company, may constitute forward-looking statements
(including statements regarding intentions, beliefs or current market expectations about conditions,
business strategies and plans, financial condition, specific provisions and risk management practices). In
light of the fact that these statements involve known and unknown risks, uncertainties and other factors
that could cause actual future results to differ materially from those described in such forward-looking
statements, care should be taken not to place undue reliance on these forward-looking statements and
no independent third party has reviewed the reasonableness of any such statements or assumptions.
These forward-looking statements apply only as of the date of this White Paper and the Company
expressly disclaims any responsibility, express or implied, to release any revisions to these forward-
looking statements to reflect events after such date.

___ 37 ___
We hereby expressly disclaim any
and all liability for the following:

• Delays or rescheduling of UD's technology development resulting in failure to meet any

published schedule;
• Failure of UD Technology to fulfill any particular purpose or to be suitable for any particular
use;
• Failure to disclose any information related to the development of Seven Deer Technology in
a timely and complete manner;
• Any discrepancy, conflict or contradiction between this White Paper and any agreement
between any purchaser and any third party crowdfunding portal;
• Any damages, losses, claims, liabilities, penalties, costs or other adverse effects arising out of,
incidental to or related to the risk factors disclosed in this White Paper.

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