Bridging the cryptocurrency gap between merchants and consumers + a public blockchain smart contract platform.

Pre-Sale: May 6th – June 15th

Public Sale: June 25th – July 25th


A digital economy where consumers can buy goods and services with any cryptocurrency at their favorite merchants. In a place where visionaries and creators can collaborate to launch innovative distributed applications in a world that relies on trustless transactions in any currency of their choice.  On a platform where developers are supported with multi-language compatibility and a library of smart contracts designed to promote rapid development and deployment. In an ecosystem that embraces all blockchains into a digital utopia.


Modern Finance Chain is helping the world adopt crypto as a currency by creating a global digital economy. Starting with a payment solution and rewards program for merchants and consumers that makes it easy to embrace cryptocurrency payments.

The greater vision of Modern Finance Chain is the MF Mainnet with intelligent features.


Multi-language smart contract programming with compilers for C++, C#, Java, Python, NodeJS & Solidity


Enterprise level private blockchains that allow corporations to deploy proprietary code on private chains


Cross-chain transactions without the need for a centralized exchange or third party authority


Multi-blockchain integration


Achieve government compliance when necessary with user-controlled privacy features


Allows ICO projects to accept any number of cryptocurrencies through live token generation events


Prebuilt smart contract library


An Innovation incubator that provides brilliant minds with resources to bring their ideas to life


Modern Finance Chain is helping the world adopt crypto as a currency by creating a global digital economy. Introducing the first ever merchant rewards program, now both consumers AND merchants can earn rewards.

  • 1% rebate on all monthly purchases made using the MFX Token
  • Freedom to spend crypto without using an exchange
  • Waived surcharges when paying in MFX Tokens
  • Option to pay in multiple cryptocurrencies
  • Freedom from Merchant Banks and Processors
  • Merchant Rewards Program: 1% rebate on all cryptocurrency payments processed
  • No Chargebacks, Interchange Fess, Assessment Fees or Payment Gateway Fees
  • No ‘High Risk Merchant’ Category
  • Fiat Conversions
  • New Market Reach


The MF Chain Android and iOS app makes any mobile device a fully functional POS station.

Clean, simple and intuitive.  Easy for merchants to adopt.

Multi-Cryptocurrency support.  Merchants can accept the crypto of their choice and earn MFX Rewards.

Use any wallet to connect. Consumers don’t need special software.

Merchants have the freedom of choice on how to process cryptocurrency payments. Instantly convert to cash, or keep a percentage of the payment in cryptocurrency.



  • Freedom from payment gateway fees, credit card processor fees, credit card issuer fees
  • Freedom from credit card fraud
  • Freedom to accept multiple cryptocurrencies and earn rewards
  • Choice of how to convert cryptocurrency received. Set a percentage to keep or convert it all to cash
  • Choice of surcharges. Control what surcharges are necessary for your business to be competitive and successful
  • Rewarded by 1% crypto-back for all transactions processed.
  • Rewarded with the freedom of choice to pass savings on to the customer.


  • Freedom to continue using their favorite wallet
  • Freedom to spend crypto without an exchange
  • Freedom from rewards programs with rules and limitations
  • Choice which cryptocurrency to spend
  • Choice of privacy settings. Users are in control of when they choose to share tx data.
  • Rewarded with 1% crypto-back from all purchases made using MFX
  • Rewarded by waived surcharges using the MFX Token
  • Rewarded by increased value in MF Chain as acceptance grows


  • Freedom from isolated blockchain platforms
  • Freedom from expensive ICO launch services
  • Freedom to launch on a platform with multi-language compatibility
  • Choice of support services provided by MF Chain
  • Choice of how many and which cryptocurrency to accept in their ICO
  • Rewarded by instant integration to thousands of merchants
  • Rewarded with marketing and development resources
  • Rewarded by launching on a true open source smart contract platform set to drive cryptocurrency adoption


  • Independant Blockchain
  • Smart Contract Platform
  • ICO Platform
  • Incentivized Masternodes
  • Multi-Blockchain Integration
  • Multi-Currency Payments
  • Consumer Rewards
  • Merchant Rewards


  • Y
  • Y
  • Y
  • Y
  • Y
  • Y
  • Y
  • Y


  • N
  • N
  • N
  • N
  • N
  • Y
  • N
  • N


  • Y
  • N
  • N
  • Y
  • N
  • N
  • N
  • N


Soft Cap

2500 ETH Min Fund Raise

Hard Cap

33000 ETH ICO Cap
(or $17M USD Equivalent)

Contribution Cap

Min: 0.1 ETH
Max: 200 ETH

Private Offer

3500 ETH

(28M Token Allocation)


5000 ETH

1 ETH = 10,150 MFX
(36M Token Allocation)


24500 ETH

1 ETH = 8,500 MFX
(237M Token Allocation)


Multi-signature escrow is a way of locking funds allocated in the ICO until specific conditions are met. This method allows for a guarantee to ICO contributors that certain development milestones in the project are achieved. The team will not be able to spend the funds raised during the ICO until the obligations for development are fulfilled. 50% of ICO funds will be locked.  20% of the funds will be locked until the MF Chain Payment System is fully developed and released.  30% of the funds will be locked until the release and deployment of MF Mainnet.

This escrow arrangement is handled directly on the blockchain through the MFX ICO smart contract. Funds are distributed and locked accordingly, live for each ICO contribution transaction.


50% of the ICO funds will be used for the development and promotion of the project immediately following the ICO. The remaining 50% of funds are held in two escrow wallets.


20% of the ICO funds will be frozen until the release of the MF Chain Payment System.
(requires escrow board approval for release)


30% of the ICO funds will be frozen until full release of the MF Chain Mainnet.
(requires escrow board approval for release)

521M Max Supply

Devs & Advisors – 8% (40M)

Developer and Advisor tokens will be unlocked on a slow rolling quarterly release ending in Q2 2019

Development – 19% (100M)

Locked tokens to support future development, operations & marketing

Presale & ICO – 57% (301M)

Maximum tokens available for public purchase

Rewards Pool – 16% (80M)

Rewards pool & incentive program


10% Bonus

10 ETH Contribution

Contribute 10 or more Ether to the project and you will receive a 10% bonus.

15% Bonus

25 ETH Contribution

Contribute 25 or more Ether to the project and you will receive a 15% bonus.

20% Bonus

100 ETH Contribution

Contribute 100 or more Ether to the project and you will receive a 20% bonus.


Exchange Listings - 5%

Team - 5%

Legal - 5%

Marketing - 30%

Development - 35%

Operations - 10%

Incubator - 10%


Our team is comprised of high level programmers, mathematicians, cryptographers, PhDs and computer scientists.  You will find a partial list of our team below.

Viacheslav Shybaiev
Blockchain Lead
Benamara Oualid, PhD
Piers Lawrence, PhD
Applied Mathematician
Kat Campise, PhD
Data Scientist
Jack Lloyd
Crypto & Security Expert
Nick Ivanov
Python & Crypto Dev
Serhiy Movchan
Web UI/UX Designer
Sergio Andronik
Project Manager
Sofia Shybaieva
Software QA
Bogdan Fiedur
Advisor - Blockchain Expert
Naviin Kapoor
Advisor - Blockchain Expert
Hristo Piyankov
Advisor - Blockchain Analytics
Matyas Zaborszky
Advisor - Marketing & PR
Ankita Sambyal
Advisor - Legal Counsel


What is MF Chain?

Modern Finance Chain (MF Chain) is building the future of cryptocurrency. By partnering with processors and merchants, MF Chain will build upon the value of zero merchant fees while offering innovative rewards for consumers and merchants. MF Chain is specifically designed to build value for all parties involved in merchant transactions. We are helping to build a digital economy where consumers will have the ability to buy products and services via any cryptocurrency. This is facilitated through the implementation of a collaborative platform that includes app developers who will find a supportive environment with multi-language compatibility and a library of smart contracts available for deployment.

What is MF Mainnet?

MF Mainnet will be like no other blockchain, catapulting its capabilities directly into the stream of commerce and allowing ICO and dApp projects to tap directly into this wealth. With a BFT/POS hybrid consensus method, MF Mainnet will achieve consensus with minimal energy consumption and in an eco-friendly manner. Using an incentivized masternode offering, MFM will achieve decentralization with thousands of globally distributed nodes.

Where is Modern Finance Based?

We have team members located across the globe and Modern Finance Chain is domiciled on the lovely island of Nevis in the beautiful Caribbean Ocean.  Why? We’re glad you asked. The Caribbean is a cryptocurrency hotspot with a rapidly growing and thriving crypto community. A simple Google search will help you find out more about Cryptocurrency in the Caribbean.

Is MFX a Security?

MFX token is not a security by common definition. Although the MFX token may have multiple use cases, by design MFX is a utility token used to facilitate a rewards program for merchants and consumers – much like the many very popular credit card rewards programs in existence today. MFX does not offer ownership or shares in any organization. MFX does not pay a dividend nor does MFX offer profit sharing of any kind whatsoever. MFX is not a speculation mechanism.

Why is the USA banned?

MF Chain complies with all local restrictions and limitations. We don’t simply ban only the USA. There are several other countries that are banned such as Balkans, Belarus, Burma, Cuba, Congo, Cote d’ Ivoire, Iran, Iraq, Lebanon, Liberia, Libya, North Korea, Somalia, Sudan, Syria and Zimbabwe to name a few. We have decided to ban certain regions based on various reasons ranging from government regulations to high risk terrorist regions. These decisions are final and we use the best technology available to restrict any contributions from these regions. If you attempt to participate in the Modern Finance Chain ICO from a banned region, you will receive a notice and your access will be restricted.

What is required for your KYC Process?

MF Chain requires KYC (Know Your Customer) process for all ICO participants. ICO participants will need to submit their name, geo location and email address to conduct a light KYC. All participants are screened against OFAC, PEP, PSFI, EU and Freeze Lists.


Q4 2017 - Concept & Discovery

MFC founded
R&D blockchain options
Cryptocurrency market research
Fiat payment market research
Business plan created
Team recruiting commences

Jan 2018 - Initial Business Rollout

Smart contract development commences
Whitepaper first draft
MVP Ui/Ux developed
Wire frames built out and approved
Consumer crypto payment solution MVP development begins
Merchant backend console development begins
Marketing plan developed

Feb & March 2018 - Development Stage

Team build out
Full development team working on multiple sprints
Market research
Consumer & Merchant focus groups
Consumer & Merchant surveys
Website development
Whitepaper draft

April 2018 - Private Offer

Whitepaper released
Website launch
Private sale opens
Crypto community surveys
Crypto community focus groups
Marketing campaign kick off

May 2018 - Pre ICO

Pre ICO opens
BTC, ETH, MFC payments integration
MVP Release
Alpha software release
Beta testing merchants
Beta testing consumers

June 2018 - ICO

Initial Coin Offering
Public Sale
Live Token Generation Event

July 2018 - Payment Systems

Payment system integration
Sales process developed
Sales team building
Merchant processing roll out

Aug 2018 - Exchange

Live on exchange

Q3 2018

250 Merchants processing with MFC
Magento Cart Plugin
Zen Cart Plugin
WordPress Plugin
WooCommerce Plugin
Big Commerce Integration

Q4 2018

Release of MF Mainnet Whitepaper
1000 Merchants processing with MFC
MFC stand alone POS hardware release

Q1 2019

Global payment system roll out
5000 Merchants processing with MFC
MFM Testnet deployed

Q2 2019

MF Mainnet deployed
MFM coin swap (MFX token is swapped for MFM coin at 1:1 ratio)
MFF token is issued (MFF will work as an independent payment token on the MFM Blockchain)
MFF airdrop