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FinTech - Agentic AI BiTok

BITOK

Agentic AI-based Micro-Credit FinTech


BITOK is a next-generation micro-debt management platform that transparently records personal micro-debts using blockchain-based NFT technology, analyzes the actual value of bonds through AI-based recovery prediction, and supports trusted transactions between creditors and debtors.


The core goal of BITOK is to build a transparent and scalable Micro-Credit Infrastructure by digitizing informally scattered debt data (IOUs, messages, emails) into digital assets.

Core Technologies

NFT-based Micro-Debt Registration & History Management

  • Ensures Non-Fungibility by issuing each bond as an NFT.
  • Transparently records the entire bond history on an immutable distributed ledger.
  • Converts simple proofs (contracts, SMS Messages, emails) into digital bonds.
  • Standardized architecture scalable to national or financial institution levels.

AI-based Bond Recovery Prediction Model


  • Evaluates recovery probability, expected timing, and risk index using AI models.
  • Proposes reasonable repayment plans to both creditors and debtors, fostering a win-win ecosystem.
  • Quantifies the micro-credit ecosystem, including market blind spots (unstructured data, informal loans).

Creditor-Debtor Win-Win Platform Architecture


  • Contributes to the debtor's financial recovery process, not just simple collection.
  • Includes debtor-friendly features like repayment scheduling, reminders, and credit recovery points.
  • UX designed to reduce conflict and increase trust in debt relationships.

Key Features

Simple Bond Registration & Auto NFT Issuance

One-click information extraction from photos, SMS Messages, KakaoTalk, emails, etc.

Auto-parses documents, structures data, and issues NFT.

Ensures financial-institution-level transparency even for P2P transactions.

AI-based Recovery/Risk Analysis Report

Provides recovery difficulty, expected period, and risk index for each bond.

Features micro-debt portfolio analysis.

Recommends recovery priorities and negotiation strategies.


Debtor-Friendly Features (Recovery Support)

Generates and suggests custom repayment plans for debtors.

Provides payment delay prevention alerts and auto-scheduling.

Offers credit recovery points for diligent repayments.

A positive ecosystem that even debtors want to use.

Nation-Scale Scalable Data Infrastructure

Bond data structure and API layer are scalable to international standards.

Architecture allows integration with financial institutions, government agencies, and local communities.

Possesses high growth potential as a B2B/B2G service.

Integrated FinTech Ecosystem

BiTok connects all key participants into one seamless, AI-managed platform, automating workflows and creating value. Our ecosystem is designed to be a self-sustaining loop of service and value exchange.

Users (Creditor/Debtor)

Creditor: Registers digital assets, pays for legal services, receives platform rewards for community activity.

Debtor: Fulfills obligations, pays platform fees, creates secure e-IOUs.

Service Partners (Legal & Credit)

Lawyer: Receives service fees from users, earns platform rewards (e.g., service prioritization) for high performance.

Credit Agency: Receives professional asset recovery service requests from the platform.

BITOK AI Platform

Central coordinator and automation hub for the entire ecosystem.

Provides various benefits to encourage participation from users and service partners.

500 Technology Dr, Irvine, CA 92618, USA

(+1) 949 226 2718

contact@blad.ai

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