DeFi MerchantCoin builds a new ecology of Internet finance + blockchain 3.0


In recent years, with the advent of blockchain technology, the digital economy has broken the high threshold of oligopoly in the financial sector. Blockchain technology has subversively broken the original shackles from the commercial level, allowing every user to become a creator and promoter of economic value. From oligarchs to the masses, from centralization to decentralization, this is not only a change in business model and thinking, but more importantly, it has initiated a historic decentralized business transformation. In this context, MerchantCoin was born to solve the long-term financing and operation problems of small and medium-sized service businesses, and to create the justest and efficient financial service ecosystem in the world.


1. DeFi MerchantCoin's top financial elites build a digital financial service platform.

It is reported that MerchantCoin released blockchain digital financial services, combined with blockchain technology, based on the field of digital finance, and is committed to building a platform that provides financial services for small and medium-sized service businesses, and solves small and medium-sized enterprises through the blockchain + Internet finance model. Financing problems, the dilemma of aggregate payment, so that every online and offline transaction can be mined based on contributions and get rewards.

The company was established in Singapore, and its members are voted by Node, which holds ME voting rights. Its core team members come from major financial institutions around the world. The founder, Mr. Yipeng Zhang, graduated from UMCP, has served Aether System in the United States, etc., and participated in the investment of many large-scale To B financial companies in China and the United States. Mr. Yassin graduated from Montpellier Business School and studied Chinese history at Harvard University. He understands Chinese culture and the economic system. He has served Ant Financial's overseas products and led overseas teams to gain tens of millions of overseas users.

MerchantCoin uses distributed technology to digitize the operations of small and medium-sized merchants. This digital process includes providing small and medium-sized merchants with payment services based on blockchain technology, operation management tools, and supply chain management tools (distributed SaaS). This set of products and technical frameworks based on blockchain technology establishes a digital phone risk control model and business model for traditional service businesses.

2. DeFi MerchantCoin aggregate payment, smart contract payment gateway.

MerchantCoin, which is positioned to provide digital financial services to merchants, does not directly provide fiat currency payment services, but in order to provide digital financial services to merchants, MerchantCoin needs to provide Node with an aggregate payment gateway product (mcGate). MerchantCoin not only obtains daily transaction data but also controls daily merchant transaction flow through smart contracts.

Aggregate payment service providers provide merchants with fiat currency wallet transaction acquiring services. For each transaction, a transaction record is generated on the main chain transaction, and a block is generated according to certain rules. The more merchants Node promotes and the more transactions, the more ME will be obtained.

The MerchantCoin platform has also established a digital model for merchants. Its smart contract system automatically generates smart contracts for merchants, which stipulates the proportion of users who purchase smart contracts from merchants. At the end of the day, the smart contract system mcGate (the module responsible for settlement) will divide the legal currency funds into the designated fund pool.

3. DeFi MerchantCoin supports multi-dimensional information evaluation and credible digital settlement.

MerchantCoin can be used in the multi-dimensional information flow evaluation system, the tokenization of the merchant's future flow estimation, and the digital settlement system. Targeted meet the needs of investors for multi-dimensional information evaluation for financing small and medium-sized service enterprises.

Through effective monitoring of multi-channel information flow, all the information of the merchant is collected and recorded in the system according to a fixed format. This information cannot be tampered with. The merchant can analyze the effective business status according to the evaluation system of each information flow. Based on this feature of blockchain trustlessness, MerchantCoin also solves the trust problem and ensures the openness and transparency of asset circulation and investment. According to the multi-dimensional information flow system, the future flow estimate is tokenized to realize the capital flow and value transmission. Finally, at the level of supply chain settlement, through the value transfer between digital assets and actual business, it connects the downstream links of the industry to achieve efficient supply chain settlement, reduce costs and accelerate efficiency.


4. DeFi MerchantCoin reforms the system framework to simplify digital payment.

The product includes mcGate for aggregate payment and mcSaaS, a merchant operating system, and a set of public APIs to support mcGate and mcSaaS, public chain systems, risk control systems, etc. mcPOS is a "cash register" used by merchants to complete payment transactions by scanning the QR code of the user's mobile wallet. mcsaas is the operating system of the merchant. Merchants use mcsaas to manage membership, supply chain, and marketing. If a merchant uses mcsaas, it can cover the functions of mcPOS. mcGate is an aggregate payment gateway, operated and owned by Node. mcGate helps merchants complete fiat currency transaction settlement and reconciliation. According to the concept of the transaction as mining, mcGate will generate Mer-chantcoin blocks based on transaction data. mcGate also reserves a share from the merchant transaction flow based on the smart contract. The loT, Merchantcoin platform manages and monitors merchant hardware, such as POS, smart speakers, etc. through a loT of modules. Messageingcloud, push expensive information, such as payment success or failure information, payment arrival information, etc.

And for a financial service platform, the behavioral items in the contract code must always be explained by professional coders, which will greatly limit its application scenarios. For MerchantCoin, it creates a set of standardized, Human-readable instructions, so that non-technical users can easily understand the content of the agreement, and there are no potential loopholes.

5.DeFi MerchantCoin builds the bottom-level rules of the community and leads the blockchain 3.0.

MerchantCoin will pioneer the establishment of a financial service ecosystem in the blockchain 3.0 era based on the traditional financial industry model, establish a set of open, fair and just underlying rules, accelerate the value transfer of the entire financial service industry, and optimize the composition of the industrial structure. Completely solve the market pain points of small and medium-sized enterprises' financing difficulties, continue to lead the development of the industry, and promote the application of blockchain technology in the global financial service field.


Finally, MerchantCoin is committed to creating a win-win ecological chain for the community. In a multi-role platform composed of Node, merchants, developer platforms, and investment, with advanced commercial closed-loop rules, all participants in the ecosystem can get a fair distribution of benefits, and multiple parties can achieve a win-win situation. Only the entire business ecosystem can be obtained from Development and promotion.


Company Name: Merchantcoin Technology PTE. LTD.

Company Address:60 Paya Lebar Road, #08-55 Paya Lebar Square, Singapore 409501 

Company Introduction:

One of the challenging problems presented to the traditional financial industry is how to serve small and medium-sized enterprises (SMEs).  By World Bank assessments, SMEs are less likely to be able to obtain bank loans than large firms; instead, they rely on internal funds, or cash from friends and family, to launch and initially run their enterprises. The International Finance Corporation (IFC) estimates that 65 million firms, or 40% of formal micro, small and medium enterprises (MSMEs) in developing countries, have an unmet financing need of $5.2 trillion every year, which is equivalent to 1.4 times the current level of the global MSME lending. East Asia and Pacific accounts for the largest share (46%) of the total global finance gap and is followed by Latin America and the Caribbean (23%) and Europe and Central Asia (15%). 

MerchantCoin is created in the dawn of this technology revolution to address the challenge.  MerchantCoin’s mission is to build a market place for SMEs so they can attract like-minded investors. But before that, we have to build a platform for SMEs to run their business on. The infrastructure tooling may include digital payment wallets and enterprise software for SMEs to manage its customers, promotion events, supply chains, and finances. All those tools run on a distributed infrastructure platform that is operated by consensus, and by its nature is fully transparent and trustworthy. 

Contact Person:   Yipeng Zhang, Founder

Contact Email: 

Company website: 


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