IFX24 is an interest-free fund allocation, no margin exchange, providing interest-free loans. Users are able to stake their digital assets for a zero-fee stablecoin pegged to the price of the U.S. dollar “EUSD.” IFX24 replaces the centralized account balance with the token holder's decentralized smart contract on the Ethereum blockchain to determine the current balance of the account. This hybrid model of a centralized matching engine combined with decentralized account balances provides traders with the execution speed and reliability of off-chain price discovery and the security of on-chain account settlement.