Introduction

ZND is a blockchain-based financial platform integrating artificial intelligence to support services across traditional and decentralized finance. It offers earning, trading, and borrowing tools, allowing users to manage digital assets through a unified interface. The platform features an AI assistant that analyzes real-time financial data to deliver personalized insights. Users can participate in yield-earning programs with fixed or flexible terms, borrow against held assets without liquidating them, and trade supported cryptocurrencies. ZND implements offline asset storage and risk controls to mitigate security threats. It holds regulatory licenses in multiple jurisdictions, including Estonia, Lithuania, Switzerland, Italy, Canada, Slovakia, and Poland. The project is structured to expand its AI functions, financial products, and market reach over time.

What is ZND (ZND)?

ZND is a blockchain-based platform that integrates artificial intelligence (AI) to provide services in both traditional finance (TradFi) and decentralized finance (DeFi). The platform offers tools for managing digital assets, including earning, trading, and borrowing functionalities. ZND aims to simplify digital asset management by combining AI-driven insights with financial services.

ZND is developed by the team behind zondacrypto, a regulated cryptocurrency exchange operating in the European Economic Area. The token functions as a central element within the broader zondacrypto ecosystem, serving both utility and incentive roles across multiple services. According to the official announcement of its listing on XT.com, ZND is designed to act as a bridge between traditional financial systems and Web3 infrastructure while leveraging the infrastructure already established by zondacrypto.

One of the main integrations is with zondacrypto pay, a crypto payment gateway for merchants and service providers. Through this system, ZND will be used as a payment method in both online and physical commerce.

A notable feature of ZND is its AI assistant, which delivers personalized analyses and responds to user queries. This assistant uses real-time data to offer tailored insights, enhancing user decision-making in financial activities. The integration of AI seeks to provide users with relevant information and recommendations based on their individual financial behaviors and goals.

In addition to its AI capabilities, ZND offers a suite of digital asset management tools. The ‘Earn’ service allows users to select from various cryptocurrencies and stablecoins to receive weekly reward payments, with annual percentage rates (APRs) of up to 23%. The platform also facilitates the buying and selling of digital assets, aiming to provide a user-friendly interface and competitive fee structure.

ZND’s History and Team

ZND was launched in December 2023 as part of a collaborative effort between zondacrypto, a leading cryptocurrency exchange in Central Europe, and ICEO Group, a venture builder specializing in digital finance projects. The platform was developed to provide an integrated digital asset management solution, encompassing trading, earning, borrowing, and exploring cryptocurrencies.

The team behind ZND comprises professionals from both zondacrypto and ICEO Group. zondacrypto, established in 2014, has grown to become one of the largest cryptocurrency exchanges in Central Europe, surpassing over 1.3 million users and facilitating more than 180,000 transactions daily.

ZND (ZND) Main Features

Farming

ZND’s farming feature enables users to lock their assets in the ‘Earn’ service plans, choosing to receive rewards in ZND tokens instead of the frozen assets. This approach provides flexibility and maximizes incentives, allowing users to benefit from token bonuses while contributing to market demand. By participating in farming, users can earn additional ZND tokens, enhancing their overall returns.​

This mechanism rewards users and supports the ecosystem by increasing the utility and circulation of the ZND token. As more users engage in farming, the demand for ZND tokens may rise, potentially influencing their market value.

ZND Staking Program

The ZND Staking Program encourages long-term engagement by allowing users to lock (‘freeze’) their ZND tokens for predetermined periods, during which they accrue rewards. The rewards are influenced by factors such as the user’s Loyalty Tier and the length of the staking period. Higher Loyalty Tiers, achieved through active participation, grant increased Annual Percentage Rate (APR) boosts, enhancing the user’s final rewards. This structure promotes sustained commitment to the project and contributes to the ecosystem’s all stability.​

Participants can choose from various staking durations, with longer periods offering higher rewards. But, early withdrawal incurs penalty fees, which are directed to the Special Pool.

Loyalty Program

The Loyalty Program is a points-based system that rewards users for active participation within the ZND ecosystem. Users accumulate points through various activities, including trading assets and engaging with services like ‘Earn’ and ‘Borrow,’ particularly in transactions involving the ZND token. Accumulated points allow users to progress through six distinct Loyalty Tiers, each offering increasing benefits such as access to special pool rewards, discounts, and APR boosters. To maintain a tier, users must collect the required points within a 90-day period, encouraging continuous engagement and rewarding active participation.

Early adopters who purchased ZND tokens during the official distribution receive lifetime Loyalty Tiers, acknowledging their support. This system fosters a cycle of engagement and reward, motivating users to remain active within the ecosystem. As users advance through the tiers, they unlock greater incentives, enhancing their experience and commitment to the platform.

Special Pool

The Special Pool is designed to reward early supporters, long-term ZND token holders, and active users who achieve high tiers in the Loyalty Program. It is replenished through two primary sources: penalty fees from early withdrawals in the ZND Staking Program and trading fees from buying and selling ZND tokens on the platform. The accumulated tokens are allocated for periodic airdrops to Loyalty Program participants and token burning events, which permanently reduce the circulating supply of ZND tokens. This mechanism incentivizes active participation and strategically enhances the value and scarcity of the ZND token over time.​

By distributing rewards to loyal users and implementing token burns, the Special Pool supports a deflationary model that can positively impact the token’s market dynamics.

Burn Mechanism

ZND implements a burn mechanism to reduce the circulating supply of its tokens, aiming to increase their value over time. A portion of the tokens accumulated in the Special Pool is periodically burned, permanently removing them from circulation. This deflationary approach supports the long-term value proposition of the ZND token and aligns with the platform’s commitment to sustainability and growth.​ By systematically reducing the token supply, the burn mechanism creates scarcity, which can enhance the perceived value of the remaining tokens.

Affiliate Program

The Affiliate Program allows users to earn rewards by referring others to the ZND ecosystem. Participants receive commissions from margins in Trade and Earn services, incentivizing them to attract new customers and build an engaged community. This program rewards active promoters and contributes to the platform’s growth by expanding its user base and fostering a strong community.​

By encouraging users to share the platform with others, the Affiliate Program influences the power of word-of-mouth marketing to drive adoption. This approach creates a network effect, where the platform’s value increases as more users join and participate, benefiting both the platform and its community members.​

ZND’s Technical Architecture

ZND operates on the Ethereum blockchain and follows the ERC-20 token standard for its native cryptocurrency, ZND. This structure ensures compatibility with decentralized applications (dApps) and wallet services. Smart contracts are implemented to automate various processes, including staking, farming, and the loyalty program. These contracts eliminate intermediaries and execute predefined conditions based on user interactions. For example, when a user participates in staking, the smart contract enforces the lock-up period and distributes rewards accordingly, ensuring transparency and reducing the risk of manual errors.

The platform integrates artificial intelligence to enhance financial decision-making. An AI assistant continuously analyzes real-time financial data and user behaviors to provide tailored insights. This functionality helps users optimize their participation in earning and staking programs by offering personalized recommendations based on market trends and individual portfolio allocations. The AI assistant also facilitates automated risk assessment, improving decision-making efficiency by analyzing multiple factors in real-time.

Security measures are incorporated to protect assets and maintain regulatory compliance. Digital assets are stored offline in cold wallets, reducing exposure to cyber threats. Risk management protocols monitor network activity, flagging unusual transactions to prevent fraud. ZND is licensed in multiple jurisdictions, including Estonia, Lithuania, Switzerland, Italy, Canada, Slovakia, and Poland, ensuring adherence to regulatory standards. This compliance framework provides users with a structured and legally sound environment for digital asset management.

What is the (ZND) Token?

ZND Token Utility

The ZND token functions as the native cryptocurrency within the ZND ecosystem, facilitating various operations and services. Users use ZND tokens to access platform features such as staking, farming, and participating in the loyalty program. In the staking program, users lock their ZND tokens for a specified period to support network operations, earning rewards in return. The farming feature allows users to provide liquidity to the platform, receiving incentives proportional to their contribution. The loyalty program rewards users based on their engagement and tenure within the ecosystem, offering benefits like reduced fees or exclusive access to new features.

ZND Supply and Allocation

The ZND token allocation is structured to distribute the total supply across multiple categories, ensuring the long-term sustainability of the ecosystem. The allocation consists of funding rounds for investors, reserves for ecosystem growth, liquidity provisions, and team incentives.

Investor Rounds

The token distribution includes several sales rounds to raise capital for project development:

• Seed Sale (9.8%): Early-stage funding to secure initial capital and support early adopters.
• Private Sale (11.9%): Tokens allocated to private investors before the public sale.
• KOL’s Round (1%): A small allocation reserved for important opinion leaders (KOLs) to support marketing and adoption efforts.
• Public Sale (Stages 1-4, combined ~3.4%): A structured sale approach that progressively releases tokens to the market, ensuring fair access.
• Launchpads Round (0.8%): Tokens allocated to launchpad platforms for public distribution.

Ecosystem and Growth

A significant portion of the supply is dedicated to ecosystem expansion and sustainability:

• Treasury (29%): The largest allocation, serving as a reserve for long-term development, strategic initiatives, and platform enhancements.
• Partners (8%): Tokens set aside to incentivize partnerships and collaborations that contribute to ecosystem growth.

Operational and Community Support

Tokens are reserved to ensure liquidity, marketing, and internal team incentives:

• Liquidity (8%): Supports exchange trading and prevents major price fluctuations.
• Marketing (5%): Funds promotional activities and community engagement efforts.
• Team (8%): Incentivizes main contributors and developers to ensure continued development and commitment to the project.

ZND Vesting Schedule

Each allocation group has specific cliff and vesting periods:

• Seed Sale (9.8%): 12% of tokens unlocked at TGE, followed by an 8-month cliff and a 12-month linear vesting period.
• Private Sale (11.9%): 14% unlocked at TGE, with a 6-month cliff and a 10-month vesting period.
• KOL’s Round (1%): 20% unlocked at TGE, followed by a 2-month cliff and a 10-month vesting period.
• Public Sale Stages 1-4 (3.4% combined): TGE unlocks range from 16% to 19%, with cliff periods between 1 and 3 months and vesting periods between 5 and 7 months.
• Launchpads Round (0.8%): 20% unlocked at TGE, followed by a 1-month cliff and a 7-month vesting period.
• Partners (8%): 10% unlocked at TGE, with a 3-month cliff and a 24-month vesting period.
• Treasury (29%): No initial TGE unlock, with a 24-month cliff and a 60-month vesting period.
• Liquidity (8%): 20% unlocked at TGE, with no cliff and a 6-month vesting period.
• Marketing (5%): 16% unlocked at TGE, with no cliff and a 24-month vesting period.
• Team (8%): No initial TGE unlock, with a 12-month cliff and a 36-month vesting period.
• Ecosystem Incentives (15%): 2% unlocked at TGE, with no cliff and a 48-month vesting period.

ZND’s Economic Design

The economic design of ZND focuses on creating a sustainable and balanced ecosystem. Incentive mechanisms are structured to encourage user participation and network growth. For instance, staking and farming rewards are calibrated to attract users while maintaining economic stability. The token burn mechanism periodically reduces the total supply of ZND tokens, creating a deflationary effect that can enhance the value of remaining tokens. This process permanently removes tokens from circulation by sending them to an inaccessible wallet address. Also, the platform’s governance model allows token holders to participate in decision-making processes, fostering a sense of ownership and community engagement.

Conclusion

ZND combines artificial intelligence and blockchain technology to offer financial services that integrate traditional and decentralized finance. The platform includes earning, trading, and borrowing functionalities, with an AI-driven system that provides real-time insights and personalized recommendations. Users can stake, farm, and participate in a loyalty program that rewards engagement within the ecosystem.

ZND’s tokenomics are structured with controlled distribution, vesting schedules, and a deflationary burn mechanism to ensure long-term sustainability. A balanced allocation model distributes tokens among investors, the team, ecosystem incentives, and operational functions like liquidity and marketing. The vesting schedule prevents market instability by gradually unlocking tokens over time.