<p>Xend Finance is the first protocol to target a market sector with over $2.2 Trillion of AUM in global credit unions. Centralized and fiat savings platforms are always limited by fees and cross border payments regulations that limit investing in other countries. The Xend Finance decentralized Credit Union protocol is built to optimize, improve and add value to the core operations of credit unions globally, removing the barriers of traditional finance and providing decentralized savings, lending, borrowing and investment operations of credit unions as well as providing multi-level interest returns to members of these unions.</p><p>The native network token XEND is used to reward users for saving, investing and performing different operations on the network. XEND is also used to purchase insurance and protect assets within the protocol.</p><p>Xend Finance allows Credit Union and individual saving operations to become automated via smart contracts. The system charges credit unions a small fee to create a union and a fee per complete save cycle, which is paid in $XEND. A percentage of the fee is burned, to reduce the circulating supply, and help to pay the first level of interest to holders. The smart contract periodically invests user savings (deposits) on DeFi lending protocols such as Compound, AAVE, &amp; Yearn Finance Protocol, therefore producing the second level of interest for users.</p>

Ethereum Ecosystem

Polygon Ecosystem

Announcing Xend Finance Public Sale Round on Balancer

Xend Finance Strong Holder Offering (SHO)— Guidelines

Xend Finance ($XEND) Token Now On Binance Smart Chain And PancakeSwap

Strategic Round 2

Public Sale

Seed Round

Team

Developers & Community

Ecosystem 

Staking

Foundation

Private Sale

Strategic Round

Pre-Seed Round

<h3><strong>Stage I — DAO Maker SHO (Feb 15–21): COMPLETED</strong></h3><p>A retrospective review from team DAO Maker:</p><p>The Xend Finance Strong Holder Offering SHO took place on the DAO Maker platform during the week 15–21 of February. From the 15th of February, 18:00 UTC to February 18th, 13:00 UTC, people were able to sign-in connecting their Metamask to the DAO Maker platform. This process was a tremendous success with thousands of participants from all around the world. We were getting staggering figures: more than $144M of wealth staked, over $7M of $DAO staked and 3,200 eligible participants and 14,452 issued tickets.</p><h3><strong>Stage II —&nbsp;Balancer LBP (March 22–24)</strong></h3><p>Xend Finance will auction 6.65% of total token supply in a Liquidity Bootstrap Pool (LBP) by Balancer. The LBP will launch at 15:00 UTC+0, March 22, 2021 and end at 15:00 UTC+0, March 24, 2021.</p><p><strong>Steps to participate in $XEND LBP:</strong></p><ol><li>Go to&nbsp;<a href="https://balancer.exchange/#/swap" rel="noopener noreferrer" target="_blank" style="color: inherit;">https://balancer.exchange/#/swap</a>&nbsp;after the launch time</li><li>Connect a compatible wallet — MetaMask, WalletConnect, Portis, Coinbase Wallet, Fortmatic</li><li>On the Balancer page, select “Asset”.</li><li>$XEND LBP is paired with USDC; other assets will result in greater transaction costs.</li><li>Ensure your wallet has sufficient ETH for gas charges.</li><li>Insert the $XEND contract address which will be published on&nbsp;<a href="https://xend.finance/" rel="noopener noreferrer" target="_blank" style="color: inherit;">https://xend.finance/</a>&nbsp;following our token generation event.</li><li>Insert the amount of $XEND that you wish to purchase and select “SWAP”</li><li>$XEND will be in your wallet when the transaction is complete.</li><li><br></li></ol><p><span style="color: rgb(41, 41, 41);">For more information visit&nbsp;</span><a href="https://docs.balancer.finance/guides/liquidity-bootstrapping-faq" rel="noopener noreferrer" target="_blank" style="color: inherit;"><strong>Balancer LBP FAQ</strong></a><strong style="color: rgb(41, 41, 41);">.</strong></p><h3><strong>Stage III — Uniswap LP (March 24)</strong></h3><p>Once the Balancer LBP concludes, we will be adding liquidity to Uniswap so that anyone, anywhere can have trustless access to $XEND tokens. We will disclose after the launch how much liquidity was added to Uniswap by the Xend Finance team. As detailed below, we are taking a multi-faceted approach to building global liquidity which will require resources to deploy across additional trading venues, including those which will support our mainnet in the future.</p><h3><strong>Stage IV — CEX Expansion (TBD)</strong></h3><p>At Xend Finance, we understand the importance of liquidity if we are to be successful. We also understand diversification across different trading platforms is key to building a robust market. As such, we are in talks with top reputable centralized exchanges globally and intend to expand into these markets shortly after our Uniswap launch as a priority.</p><p>We are very excited to give you more opportunities to support the project and underserved communities around the world. If you have more questions, don’t hesitate to ask here in the comments.</p>

Xend Finance

Xend Finance is a DeFi platform for credit unions and cooperatives. 

Morningstar Ventures

Moonrock Capital

The Spartan Group

GBV Capital

Waterdrip Capital

Vendetta Capital

Ascensive Assets

Hypersphere Ventures

Blizzard Fund

Woodstock Fund

Figment Capital

Axia8 Ventures

CoinGecko Ventures

Nexo

Everclear (prev Connext)

Kosmos Ventures

Impossible Finance

Nabais Capital

AVentures DAO

Subsquid

3 Chaps Capital

StakeBorg

Ganesh Swami

Erik Ashdown

Derek Yoo

Aurel Iancu

Delroy Bosco

Alex Smirnov

Batuhan Dasgin

Michael Chen

Etienne

Danish Chaudhry

Alchemy

Bware Labs

IguVerse

Pantera Capital

Compound VC

Redpoint

Ribbit Capital

Polychain Capital

Alameda Research

Lightspeed Venture Partners

Arbitrum

Outlier Ventures

Protocol Labs

Hoo.com

ZBS CAPITAL

ExNetwork Capital

ChinaPolka

Big Brain Holdings

7 O'Clock Capital

Dutch Crypto Investors

Whitelist Ventures

Vespertine Capital

WeBlock

Hafen Ventures

MeMusic

Degen Zoo

GameOn Forge

Blockchange Ventures

coinIX

Castrum Capital

Kangaroo Capital

Maven Capital

FinSec Innovation Lab

Kima Network

Sociapol

SpaceN

Gain detailed information about %name% %code% unlock and vesting. Use our token unlock calendar for planning and optimizing your investments. Explore tokenomics and how it's changing with our token distribution chart. Stay updated on unlock events and receive notifications for effective crypto asset management

%name% %code% Token Unlocks and Vesting: Schedule and Tokenomics

Name	Total	Unlocked	Locked
Foundation	18.2%	18.2%	-
Team	14%	14%	-
Staking	14%	13.7%	0.28%
Strategic Round	11.1%	11.1%	-
Seed Round	10%	10%	-
Pre-Seed Round	10%	10%	-
Ecosystem	10%	7.84%	2.16%
Developers & Community	8.00%	8.00%	-
Private Sale	3.38%	3.38%	-
Strategic Round 2	0.67%	0.67%	-
Public Sale	0.67%	0.67%	-

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