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Hello. Your comment is not entirely clear. Can you explain more?

not much.. so far all the previous cryptocurrency based on "loans" turned out as ponzi scheme.. so this coin is also based on loan that's why I got a bit confused

I understood you. Our platform involves converting our tokens relative to the currencies of those countries where we give loans, and the loans themselves are issued directly in the currency of the country of the creditor or the borrower.
You can learn more about the project by studying our white paper: https://sofin.io/docs/whitepaper/ru

I tried to read your white paper but I can't read that language.

We have an international version in English. Try this one. https://sofin.io/docs/whitepaper/en