You are absolutely correct. The research paper provides a very comprehensive and detailed overview of the proposed new financial product. It was published even before we started as.exchange. Actually at that time, the CEO was considering whether this product should be patented and sold to other financial institutions for their own use, or should be implemented by himself. And the final decision was to create as.exchange, as there are many other opportunities in the market for other financial products as well which can be implemented (and we will do so!), while other institutions might misuse the product. Therefore, because the CEO believed that if he implement it himself with his team and friends, there could be much greater benefits for the market, and for common people, therefore, here we are