★ Company Profile
Shanghai Gingkoo Financial Technology Co., Ltd. (hereinafter referred to as Jinqiu Technology) is a financial technology company founded in 2013 and headquartered in the Shanghai Free Trade Zone (Pudong New Area, Shanghai), China. The company's registered capital is not publicly disclosed, and it focuses on providing customized blockchain technology services for banks, insurance and securities companies, covering payment and clearing, tax management, credit and regulatory technology. Led by CEO William Peng Zuo, Ginkgo has a core team of fintech and blockchain experts committed to driving the digital transformation of the financial industry through blockchain technology. In December 2021, Ginkgo became a wholly-owned subsidiary of Shanghai Hailong Software Co., Ltd., enhancing its technology research and development and market expansion capabilities. As of 2023, Gingko has served more than 80 financial institutions around the world, including Morgan Stanley, Citibank, BNP Paribas, HSBC and Hang Seng Bank. The company participated in the "China Blockchain Technology and Industry Development Forum" held by the Ministry of Industry and Information Technology of China and the Standardization Administration of the People's Republic of China, assisted in the formulation of a number of national blockchain standards, and a number of experts were selected into the ISO/TC307 international standard expert group. Details of the shareholding structure, advisory team and membership of specific industry associations were not publicly disclosed.

★ Regulatory
InformationAs a Regtech business, Ginkgo works with financial regulators in China to ensure that its services comply with national laws and regulations, especially in the areas of payment clearing and regulatory reporting. The Company's participation in the development of regulatory systems by the People's Bank of China (PBOC), the State Administration of Foreign Exchange (SAFE) and other institutions, such as EAST5.0 and the Cross-Border RMB Payment System (CIPS), demonstrates its compliance efforts. However, the public information does not disclose specific regulatory numbers or official filing information. Ginkgo's blockchain technology "Starfish" supports transparent, auditable transaction records and meets China's fintech compliance requirements. The company complies with the Personal Information Protection Law (PIPL) of China to protect the privacy of user data. Due to China's strict regulation of cryptocurrencies, Ginkgo's business is mainly focused on the permissioned blockchain and does not involve cryptocurrency transactions. The specific Know Your Customer (KYC) or Anti-Money Laundering (AML) processes are not disclosed in detail.

★ Trading
productsGinkgo does not directly provide financial trading products, but supports payment and clearing, tax management and credit services of financial institutions through its blockchain technology. Core service categories include:

1. payment and clearing: support Cross-border RMB Payment System (CIPS), China National Advanced Payment System (CNAPS), CFXPS and TIPS (Target Instant Payment). Settlement) to optimize cross-border and domestic payment processes.

2. Regulatory reporting: Provide regulatory systems such as EAST5.0 to assist banks in meeting PBOC and SAFE compliance requirements.

3. Credit Management: Support supply chain finance, consumer finance, and risk management solutions to enhance credit efficiency for financial institutions.

4. Tax management: Provide an intelligent tax management system to simplify the tax compliance process of enterprises.
   Gingko's services do not involve traditional financial assets (such as forex, stocks, or CFDs) and focus on blockchain-powered fintech solutions. As of 2022, Gingko provides the EAST5.0 system to 10 foreign banks, and the specific trading volume or AUM scale is not publicly disclosed.

★ The trading software
Ginkgo provides a cloud-based fintech platform accessed through web pages and API interfaces to support payment clearing, regulatory reporting, and credit management for financial institutions. The core software modules include:

1. payment and clearing system: support CIPS, CNAPS and other systems to automate cross-border and domestic payment processes.

2. Regulatory reporting system: EAST5.0 and other modules to automatically generate reports that meet PBOC and SAFE requirements.

3. Tax management system: Provide intelligent tax data processing to optimize compliance processes.

4. Credit management system: Support supply chain finance and risk assessment, integrating blockchain technology to ensure data transparency.
   The platform integrates with customer systems through REST APIs and supports seamless integration with third-party financial software, such as bank core systems. Ginkgo's "Starfish" blockchain technology is a permission-based blockchain that is suitable for high-compliance scenarios. The user interface is available in both Chinese and English, making it easy for international customers to use. Specific API documentation or integration details are not publicly disclosed.

★ Deposit and withdrawal
methodsAs a B2B fintech company, Ginkgo does not directly manage customer funds or provide deposit and withdrawal services. Its payment clearing systems (e.g., CIPS, CNAPS) are used by customers (financial institutions) to process fiat currencies and cross-border payments. Ginkgo's platform allows corporate customers to complete fee payments through bank transfers or payment processors, and the specific payment method is not publicly disclosed. Since Ginkgo does not custody customer assets, the deposit and withdrawal process is managed by the customers themselves through their bank or blockchain system. The platform may charge for services through a subscription model (SaaS), and the specific pricing mechanism is not disclosed.

★ Customer
SupportGinkgo provides professional support for corporate customers via email, a dedicated account manager, and online chat. The support team assists customers with system deployment, API integration, and troubleshooting. Ginkgo's Help Center provides technical documentation, compliance guidelines, and best practice cases to lower the barrier to entry for customers. The platform shares industry updates and product updates through LinkedIn (28 followers as of 2025). Ginkgo regularly hosts offline events, such as fintech seminars, to interact with customers and industry experts. Customer feedback indicates that Ginkgo's CIPS and EAST5.0 systems have significantly improved the bank's compliance efficiency, but the response time or satisfaction data of specific support channels has not been publicly disclosed.

★ Core Business & ServicesGinkgo's
core business is to provide blockchain-driven fintech solutions for financial institutions, covering the following areas:

1. Payment and clearing: support CIPS, CNAPS, CFXPS and TIPS and other systems to optimize cross-border and domestic payment processes, and in 2015, CIPS systems were provided for 7 of the world's top 10 banks.

2. Regulatory reporting: Provide systems such as EAST5.0 to automatically generate reports required by PBOC and SAFE, and deploy EAST5.0 for 10 foreign banks in 2022.

3. Credit management: Support supply chain finance, consumer finance and risk management, and integrate blockchain technology to ensure data transparency and security.

4. Tax management: Provide an intelligent tax management system to simplify the tax compliance process of enterprises.
   The clients are mainly institutional clients, including global banks, insurance and securities companies (e.g. Morgan Stanley, Citibank), as well as local financial institutions in China. Ginkgo's "Starfish" blockchain technology is a permission-based blockchain that is suitable for high-compliance scenarios. The platform was listed on the New Third Board in 2016 and became a wholly-owned subsidiary of Hailong Software in 2021. As of 2023, Ginkgo serves more than 80 global financial institutions.

★ Technology
InfrastructureGinkgo's technology infrastructure is based on its "Starfish" blockchain platform, which combines cloud computing, big data, artificial intelligence, and IoT technologies to support high-concurrency and low-latency financial applications. Core technical features include:

1. Starfish Blockchain: A permission-based blockchain that supports payment clearing, regulatory reporting, and credit management, ensuring data transparency and immutability.

2. Cloud platform: Provide high-availability infrastructure through cloud service providers such as AWS to ensure 99.9% service availability.

3. API integration: Integrate with bank core systems, payment processors, and regulatory systems via REST APIs to enable real-time data exchange.

4. Security protocols: AES-256 encryption and multi-factor authentication are used to protect data privacy and transaction security.
   Ginkgo's servers are primarily located in China (exact location not disclosed) and store financial data through a distributed database. The platform supports distributed file systems such as IPFS to optimize data access speeds. Ginkgo holds more than 40 software copyrights (as of 2023), covering payment, regulatory, and credit systems.

★ Compliance & Risk Control
SystemGingko's compliance system relies on its RegTech solution and works with the People's Bank of China (PBOC), State Administration of Foreign Exchange (SAFE) and other institutions to ensure compliance with China's financial regulations. The platform provides auditable transaction logs through the "Starfish" blockchain, which meets regulatory requirements such as EAST5.0. Risk control measures include:

1. transaction monitoring: detect abnormal transactions through on-chain analysis to prevent fraud and money laundering.

2. Data security: AES-256 encryption and multi-factor authentication are used to protect customer data.

3. Compliance support: Provide customers with KYC/AML integration tools to meet regulatory requirements.
   Ginkgo's participation in the development of the ISO/TC307 international standard demonstrates its efforts in blockchain compliance. The platform complies with China's Personal Information Protection Law (PIPL) but does not explicitly mention international standards (such as GDPR). Regarding third-party security audits or certifications, public information is not disclosed.

★ Market Positioning & Competitive
AdvantageGingko is positioned as a leading Regtech company in China, with the goal of providing blockchain-driven digital transformation solutions for financial institutions. Competitive advantages include:

1. industry experience: serving more than 80 global financial institutions, covering Morgan Stanley, Citibank, etc., accumulating rich experience.

2. Starfish Blockchain: A self-developed permissioned blockchain suitable for high-compliance financial scenarios.

3. Regulatory compliance: Participate in the formulation of national blockchain standards, in line with PBOC and SAFE requirements.

4. Technology integration: Combine cloud computing, big data, and AI to provide intelligent financial solutions.
   Compared with competitors such as Ant Group and WeBank, Gingko focuses on regtech and cross-border payments, and differentiates itself in high-compliance scenarios. In 2018, Ginkgo was rated as an "Innovative Enterprise" by the Shanghai Free Trade Zone.

★ Customer Support & EmpowermentGinkgo
empowers customers through multiple channels, including:

1. Technical support: providing system deployment, API integration, and troubleshooting services.

2. Educational content: Share blockchain and RegTech knowledge through help centers and industry workshops.

3. Customized services: Provide customized CIPS and EAST5.0 solutions for customers (such as Citibank).
   Gingko regularly organizes fintech events, such as the 2018 Shanghai Fintech Forum, to share industry insights with customers. Customer feedback shows that Gingko's system has significantly improved the efficiency of payment clearing and regulatory reporting, such as the deployment of EAST5.0 for 10 foreign banks in 2022. As of 2023, Gingko serves more than 80 customers, including Morgan Stanley, Citibank, etc.

★ Social Responsibility and ESG
Ginkgo has limited disclosure of social responsibility and environmental, social and governance (ESG) information. The platform indirectly promotes financial inclusion by increasing the transparency of financial transactions through blockchain technology, especially in the field of cross-border payments. Ginkgo's "Starfish" blockchain uses a permission-based architecture that is more energy-efficient than public blockchains such as Bitcoin, but does not disclose specific carbon footprints or sustainability plans. The company participates in the formulation of ISO/TC307 standards, reflecting its contribution to industry norms. In 2017, Ginkgo was awarded by the Shanghai Government Million Fund for its social value in promoting technological innovation. The public information on specific ESG initiatives was not explained.

★ Strategic CooperationEcological
Ginkgo has established strategic cooperation with a number of institutions, including:

1. Novatti Group: signed a memorandum of understanding in December 2017 to cooperate in the development of blockchain technology applications and the promotion of " Starfish" platform.

2. Lujiazui Group: In December 2015, it provided RMB 20 million in Series A financing.

3. ISO/TC307: Participate in the formulation of international blockchain standards and enhance the impact of technology.

4. Financial institutions: cooperate with Morgan Stanley, Citibank, HSBC, etc., to provide CIPS and EAST5.0 systems.
   Ginkgo engages with the blockchain community through industry events such as Slush Tokyo 2018 to expand its market reach. Terms of the partnership were not publicly disclosed. The cooperative ecosystem has enhanced Ginkgo's technical capabilities and global market coverage.

★
Financial healthGinkgo's financial information is not fully disclosed. According to Crunchbase, the company received RMB 20 million in Series A financing from Lujiazui Group in December 2015 and RMB 140 million in Series B financing in December 2016, with investors including Jiangsu Zhongnan Construction Group and Xingzao Capital. In July 2016, Ginkgo was listed on the New Third Board, showing a certain market recognition. The revenue is mainly derived from SaaS subscription fees and customized service fees, the exact amount of which is not disclosed. Gingko serves more than 80 global financial institutions (as of 2023), reflecting business stability. Customer feedback indicates that the system reduces the cost of compliance, but specific revenue, profitability, or balance sheet data is not publicly disclosed.

★ Development MilestonesGinkgo's
key development milestones include:

1. 2013: Incorporated in Shanghai Free Trade Zone.

2. 2015: Provided CIPS system for 7 of the world's top 10 banks, and received RMB 20 million Series A financing from Lujiazui Group (December 2015).

3. 2016: Obtained the national high-tech enterprise and software enterprise certification (2016), listed on the New Third Board (July 2016), and obtained 140 million yuan in Series B financing (December 2016).

4. 2017: Awarded by the Shanghai Government Million Fund (June 2, 2017).

5. 2018: Named "Innovative Enterprise" by Shanghai Free Trade Zone (June 2018), participated in the formulation of ISO/TC307 standard (May 2018), CEO William Peng Zuo was awarded the title of "Fintech Figure" (January 10, 2018).

6. 2019: Selected as a "specialized, special and new" SME (March 2019) and provided EAST4.0 system for 6 banks (December 2019).

7. 2020: Obtained 10 software copyrights for payment and supervision systems (January 2020).

8. 2021: Became a wholly-owned subsidiary of Shanghai Hailong Software (December 2021) and obtained 10 reporting system software copyrights.

9. 2022: Provided EAST5.0 system for 10 foreign banks (June and October 2022), and obtained 10 compliance platform software copyrights (November 2022).

10. 2023: Obtained 10 system software copyrights (December 2023), launched foreign exchange expansion products (March 2024), and signed a contract with BM Bank to provide CIPS system (February 2024).

★ Roadmap for the future
, Ginkgo plans to further expand the application of its "Starfish" blockchain platform, especially in the areas of cross-border payments and regtech. The company will continue to optimize CIPS, EAST5.0 and other systems to support the digital transformation of more financial institutions. Ginkgo may expand into Asia, Europe and the United States through cooperation with international financial institutions. The platform is expected to combine artificial intelligence and big data technology to enhance payment clearing and risk management functions. Specific new products or market expansion plans were not publicly disclosed. Ginkgo's long-term goal is to become a key player in the global RegTech space and promote blockchain adoption in the financial industry.

Key Data Sheet

registered capital

software copyrights