Biwo is a decentralized financial platform based on blockchain and smart contracts. It focuses on integrating various business scenarios in the financial industry to provide users with a comprehensive one-stop financial platform. Leveraging its unique underlying blockchain technology, Biwo enables users to easily engage in real-time financial management, securities investment, mobile payments, and credit lending, while ensuring the security of user information through the decentralized and tamper-resistant nature of blockchain. Biwo strives to create a complete financial ecosystem for users and become a leader in the blockchain financial field. The Biwo community is developed by the Thomas Foundation in the United States and a top blockchain team in the United Kingdom. The Biwo token, based on the Ethereum ERC20 standard, is the platform's circulating token, serving as a stable value token used for various income and expenditure scenarios within the ecosystem.