The SwissBorg project aims to revolutionize wealth management through a community-centric approach that is shared across Ethernet and intelligently. SwissBorg will become a Swiss online bank that provides customized crypto investment services, a community-centric online banking project.

1. Project introduction

SwissBorg's smart wallet solves two blockchain industry problems:

Mass Finance: Compared with the previous service to niche high-net-worth individuals, SwissBorg wants to focus on the remaining 99.5% of mass finance. Taking the masses as the market, we provide the same services as those of high-net-worth individuals to those who have never enjoyed wealth management services.

Complexity of investing in digital assets: Through experiments, it is concluded that the chaos in the currency market, dispersed assets, poor liquidity, insufficient security, and fragile infrastructure are all reasons for the difficulty in investing in digital assets. The launch of smart wallets will have high security guarantees, one-stop solution for storage, investment and transactions, and you can enjoy a variety of investment products such as smart advisory investment, technical analysis, and market research through simple operations. Achieve a comprehensive financial engine. Create a new era of blockchain wealth management.

Swissborg: Future Online Banking Project
Imagine if a bank has no boundaries or restrictions that can provide everyone with the best financial advisory services and investment solutions; if in one place, through a range of asset services, from asset tags to derivatives and transactions, you can safely store and manage your private assets; if a bank, suitable for anyone, whether you are an individual or DAOs, has no minimum deposits?
Provide you with a new example: Financial advisors and investment managers will not operate privately on net asset appreciation and have sufficient transparency.

Technical Overview

Financial Advisor
Financial advisors have historically been the central stage of wealth management and can translate clients’ financial needs into investment solutions. Today, the historical value of financial advisors is gradually weakening. Rules and automation change the way we invest, store, move and monitor currency and assets. Swissborg adopts the latest technology based on artificial intelligence, with our mast (meaningful, accessible, Swiss-made and trustworthy) philosophy, aims to fill the similarities and differences in financial consulting.

From Robot Consultant to Electronic Consultant
The robot consulting industry can offer hundreds of solutions even if it doesn’t offer thousands. Most solutions have simple, rule-based cases – if you name your age, risk tolerance and goals, they will choose a large number of ETFs to develop solutions according to the vulnerable Markowitz asset allocation model.

Since 2015, Swissborg has combined wealth management artificial intelligence with models carefully crafted by experienced hedge fund managers to create the next generation of intelligent robots. Extending our AI Robotic Advisor model to cryptocurrencies gives investors more control and freedom of choice over trading activities and risk management.

Intelligent Authorization
Blockchain technology is associated with financial crisis. In-service personnel are still challenged in areas such as fund allocation, foreign exchange, settlement, custody, fund management or investment funds. Surprisingly, financial advisors have been an unexplored issue in distributed ledgers. We firmly believe that in SwissBorg, advisors are a key factor in the success of investment strategies. Combining financial advisors and smart contracts, our competitiveness must be unique.

SwissBorg's competitiveness

Investment authorization connects financial advisers to investors within the framework of law. This authorization specifies a general philosophical system and a range of limiting factors, including how financial advisors invest in investors' pools of funds.

Investment authorization, like a customized "licensing" private key, allows third parties to use the wallet following established rules (only allow for divestment from specific addresses, etc...). Although investment mandates are a powerful tool, investors generally believe that they lack customer-centric initiatives.

The project party has extensively discussed the limitations of off-chain areas through its experienced asset management investment team, private bankers and financial advisers. Our experience combined with smart contract technology has established a complete consulting framework: "Smart Authorization."

Artificial Intelligence Authorization

Artificial intelligence (AI) has penetrated into our daily lives: maps calculate the best driving route, YouTube suggests you preferred videos, Facebook suggests adding a friend, LinkedIn shows job opportunities, and web browsers recommend products based on purchase history. These different industries have one thing in common: artificial intelligence.

Financial consulting is based on a simple model that does not perform analysis, and although the data exists, wealth managers need to work hard to capture and analyze it.

By using distributed ledgers and complex deep learning algorithms, we can build a self-taught investment authorization task: “Artificial Intelligence Authorization.” We will improve the capabilities of all financial advisors by integrating customer data footprints. Cases, including social media activities, search, reading, console login frequency, etc., help financial advisors better understand and predict future behaviors of clients. Each user's personal data will be protected by the blockchain and is very secure.

The relationship between the client and the financial advisor remains the core stage of the “AI Intelligent Authorization Task”. However, AI will take over more front-end functions, so consultants can invest more time to focus on customer needs.

Application Scenarios

Financial Services
Blockchain has revolutionized a number of services that are crucial to any financial system and are improved in many ways.

Tagification
Blockchain transfers ownership of physical assets by adopting tokens. In this way, transactions in the real world are as credible and effective as financial transactions in the blockchain. This process is called "marking."

The tokenization of physical assets such as diamonds, artworks or real estate is a key part of an overall wealth management approach. As DLT matures, more and more technologies will leverage asset credit records. Financial advisors will help investors choose the right DLT to mark their real assets (legal, tax, anonymity, etc…). The ability of intelligent authorization will be further promoted during the tokenization process. Blockchain can be used as a means to verify its creditworthiness to sign P2P loans, and investors will benefit from it.

Derivatives
The creation of derivative products is an important step in the risk management of digital assets. First, it can provide customized tools for financial engineering to meet investors' needs in terms of time, credit risk and hedging. Most derivatives will be created as pre-programmed smart contracts, which simultaneously acquire the contracts of two counterparties (such as margin agreements or exchange conditions).

Exchange
Swissborg Financial Backbone can provide a global marketplace that facilitates retail and wholesale customers to trade any digital assets.

Report
When you buy coffee with a credit card, your purchase history is instant, but the actual money transferred from your account to the merchant can take several days. The current settlement mechanism is full of redundancy and requires a series of information to pass through all interconnected private databases.

Chatbot
Chatbots are tools of artificial intelligence that can provide answers to common customer questions. In the digital age, using chatbots to become a standard is crucial for customer-supported businesses.

2. Commentary

Swissborg is a platform that integrates two best areas (on-chain/off-chain), relying on decentralized bank backbone, and building around community-centric values. On the one hand, individuals and DAOs rely on democratic, open, transparent and authentic investment services to better manage their crypto assets. On the other hand, investment managers and financial advisors use crypto assets and the best technologies (blockchain and artificial intelligence) to better serve customers.

Related links:
https://swissborg.com/
https://zhuanlan.zhihu.com/p/47838156
https://www.chainnews.com/articles/261148558247.htm