FT (FinTruth Token) is a prepaid consumption credit for the FinTruth platform. Customers acquire FT capacity upfront. Revenue is recognized progressively as FT is consumed against actual verification calls, in accordance with IFRS 15 / ASC 606. FT(FinTruth Token / 金信通证)是 FinTruth 平台的预付费消费凭证。客户一次性采购 FT 额度,按实际验证调用消耗;公司依 IFRS 15 / ASC 606 准则按完工进度确认收入。
Pre-packaged for common business workflows. Each verification call deducts from the customer's FT balance. 按典型业务工作流预设。每次验证调用从客户 FT 余额中实时扣减。
| Scenario场景 | FT | Labor Saved节省人工 |
|---|---|---|
| Micro audit微型审计 | 10 | ~30 min |
| Standard credit report标准信贷报告 | 100 | 2–3 hrs |
| Complex credit report复杂信贷报告 | 200 | 4–6 hrs |
| Regulatory filing监管报送 | 300 | Compliance合规 |
| Heavy (IPO / annual)重型(IPO/年报) | 10,000 | 1–2 days工作日 |
Optional services that deduct additional FT on top of base scenario pricing — chosen as needed. 在基础场景定价之上按需选用的附加服务,触发时额外扣减 FT。
| Item项目 | FT | Notes备注 |
|---|---|---|
| Audit trail PDF export审计链路 PDF 导出 | +10 | Per export每次导出 |
| Audit trail DOCX export审计链路 DOCX 导出 | +20 | Editable format可编辑格式 |
| Bilingual report (CN + EN)中英双语审计报告 | +30 | Per report每份报告 |
| Priority queue (10-min SLA)优先级队列(10分钟SLA) | +50% | Urgent加急 |
| Custom rule pack (vertical)自定义规则包(行业垂直) | 1,000 / mo | Subscription订阅 |
Five tiers from pilot to strategic. Larger commitments unlock volume bonuses and longer validity windows. 从试点档到战略档的五档采购体系。承诺采购越大,赠送额度越高,有效期越长。
Operational, financial, organizational. 运营上、财务上、组织上。
FT is purchased as a prepaid asset and booked as a contract liability. Revenue is recognized progressively as FT is consumed against verification services. FT 以预付资产形式采购,在账面计入合同负债。客户消耗验证服务时,公司按完工进度逐步确认收入。
A single FT pool can be shared across credit operations, risk management, and internal audit. Each department's consumption is logged separately and reconciled automatically. 同一 FT 池可在信贷、风险管理、内部审计部门间共用。各部门消耗独立记录,自动对账。
Each FT deduction is recorded with the corresponding verification ID. Monthly reconciliation statements are generated automatically. 每次 FT 扣减与对应验证 ID 绑定记录。月度对账单自动生成。
FT is treated as a contract liability under IFRS 15 / ASC 606. Cash flows in upfront; revenue is recognized only as customers consume verification services. 在 IFRS 15 / ASC 606 会计准则下,FT 销售确认为合同负债。现金一次性入账,收入按客户实际消耗的验证服务进度确认。
Customer pays upfront. Company recognizes the receipt as a contract liability (not revenue). 客户预付款项。公司将收款确认为合同负债(尚不进入损益表)。
As customer uses verification services, FT is deducted. Revenue is recognized proportionally. 客户使用验证服务,FT 逐笔扣减。公司按消耗进度确认收入。
At end of validity, unused balance is recognized as revenue (performance obligation extinguished). 有效期届满后,未消耗余额确认为收入(履约义务因合同到期而消灭)。
Assuming each credit manager processes one standard credit report per day, with occasional micro-audits and exports — typical monthly consumption pattern for a tier-1 bank deployment. 假设每位信贷经理日均处理 1 份标准信贷报告,偶有微型审计与导出——某头部商业银行典型部署的月度消耗模式。
Provide your team size and use case. A solutions engineer will respond within one business day. 提供您的团队规模与应用场景。解决方案工程师将在一个工作日内回复。