O U R    I N N O V A T I O N S    E N S U R E    Y O U R    P R O S P E R I T Y

Incorporated in 2017, FINSTICK Innovations backed by highly motivated professionals in internet technology, telecommunications, smart cards and cryptography, mobile payments, and value-added services.

With our average 20+ years of field experience and several invention patents, our team bears the best practices of software design and development, optimization of algorithms, conceptualization, and integration of complex IT systems.

Our latest values are high-tech solutions in the emerging markets of fintech, blockchain, community management, and retail. We love complex problems gladly develop non-trivial solutions.

Our competencies

Mobile payments

Software development

Contacless technology

EMV smart cards

Online transactions

Mobile applications

Access control

IT security

Mobile telecommunications

(U)SIM cards and personalization


Technical consulting

System integration

Contactless payments

Strong development background

Discover Blockchain

We are experts in client-server architectures, blockchain systems, and mobile applets with a user-friendly interface. We help our customers build innovative solutions designed for a wide range of applications.

We never offer hype technologies to our customers. Instead, we strive to reach the best performance at the lowest cost achieving end-user satisfaction.


Generate revenue and optimize operation cost

We do not just design and develop the software which enables saving and earning. Still, we integrate secure and reliable blockchain-based solutions, allowing our partners and customers to bring secure data storage and transaction processing to a new higher level of efficiency.

Extensive system integration portfolio

Integrate and operate frictionless systems

We design and develop optimized and cost-efficient solutions having predefined turn-key parameters, not just for our projects. We also pleased doing it for our customers upon demand and according to their needs. By ordering from FINSTICK Innovations, you shall always have the highest quality service and software.


Our ongoing projects


COINDOCTOR™ is a unique offer for companies interested in blockchain but have no experience with this technology, as well as for startups that have already conducted a successful ICO but later faced the problem of fulfilling their obligations related to the implementation of the MVP or the commercial solution.

Our offer consists of a full range of services, from creating project documentation and proof of concept through designing and developing a working model or MVP to implementing a commercial system based on the Blockchain.

COINDOCTOR™ shall take care of all technical aspects and prepare your company for the successful launch of either MVP or full-featured solution or both under the Functional Requirements Specification.

Liquid Bonus™ (LiqBon™)

Liquid Bonus™ (LiqBon™) is a versatile non-expiring irrevocable reward point designed for electronic tips and other individual bonuses. Retailers can also use it for customer acquisition campaigns, promotions, and even for the loyalty systems' roaming service. LiqBon™ is fully interoperable and has no legacy loyalty program holding it back.
LiqBon™ is fully interoperable and has no legacy loyalty program holding it back.

Club LiqBon™ (liqbon.club) - is a free complimentary marketing tool aimed at unlocking the retail market potential by "activating" dormant customers who are motivated but don't visit. It focuses on a wide range of smaller market players who have either failed to introduce their closed customer acquisition and development system or have launched it but can't compete with more significant players. At the same time, Club LiqBon™ allows users to collect Liquid Bonuses™ from different market players and easily "monetize" them at their next purchase elsewhere.

Driven by the disrupting Blockchain solution invented by FINSTICK Innovations, the Liquid Bonus™ ecosystem provides a unique combination of throughput, reliability, and security, eliminating most of the mass-market frictions related to the complexity and costliness of modern loyalty and customer acquisition programs.

Our Team

We are skilled and experienced enthusiasts who have spent from twenty to twenty-five years working for telecommunications, the smart-card industry, cryptography, IT security, system integration, service provisioning, and outsourcing. Our employees and partners bear the best software design and development practices, algorithms optimization, conceptualization, and integration of complex IT systems.


About Liquid Bonus LiqBon™

Liquid Bonus™ Breaks Stereotypes

We have invented the Liquid Bonus LiqBon™ and released it for free circulation as the world's first universal and independent incentive tool that works equally well for the benefit of all users, from individuals, buyers, and small traders to large manufacturers and international retail chains...

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Liquid Bonus™ Properties

Unlike the existing proprietary corporate loyalty programs with their illiquid points and miles, the open Liquid Bonus™ ecosystem allows free cross-business and cross-border use of LiqBon™ rewards. Noone can nullify your accumulated LiqBon™ rewards since they are stored in a global registry where absolutely all operations are recorded, so no one can not just erase them...

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Community-driven smart shopping

Marketplaces and retail aggregators compile their offers according to their own rules, firstly showing the most profitable for them. At the same time, far from all sellers and suppliers can be represented there for various reasons. Club LiqBon™ enables direct frictionless interaction between buyers and suppliers (manufacturers) without going through intermediaries represented by retail chains and marketplaces...

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Featured On

How do loyalty programs [un]work?

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The Era of Decentralized Globalization Started Today

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Where do we fly?

Yet another look at the crypto-currency evolution scenario.

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What will happen to retail in 2018 — Part I

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Liquid Bonus Loyalty for optimizing discount and loyalty programs

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Interview with Juli Kuznetsov, Founder and CEO at FINSTICK Innovations LLC

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Честные выборы и ипотека онлайн. Как блокчейн изменит Россию

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NO GHOSTS or how scam can be identified at the early stage of ICO projects?

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Monero: возможности в 2018 году

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Blockchain показывает зубы. Эксперты подводят ИТ-итоги года

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Using Blockchain technology for customer loyalty programs

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Press release

FINSTICK Innovations launched the Liquid Bonus™ Ecosystem - the first independent incentive environment focused on the benefits of consumers.

Moscow, 25 December 2021 - FINSTICK Innovations have completed the development and pilot testing of the Liquid Bonus™ ecosystem.

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Liquid Bonus® Loyalty, the global, interoperable, loyalty blockchain platform, launches its Early Bird Crowd-Sale

Moscow, January 2018 - The Liquid Bonus® Loyalty is announcing its first Initial Coin Offering (ICO) in order to grow and develop its business worldwide.

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FINSTICK Innovations Announces Successful Proof of Concept for Blockchain - driven Liquid Bonus® Loyalty Aggregation Medium.

Moscow, 10 November 2017 - FINSTICK Innovations have successfully completed a Proof of Concept (PoC) based on the Blockchain driven Liquid Bonus® Loyalty Aggregation Medium.

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Contact Us

We love the most difficult problems that have not been solved by our predecessors. If you have an idea, but no clue how it can be put on track, then we will be happy to discuss such an opportunity.

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© 2017 FINSTICK Innovations LLC

Without permission, anyone may use, reproduce or distribute any material provided for noncommercial and educational use (i.e., other than for a fee or for commercial purposes) provided that the original source and the applicable copyright notice are cited. Systematic electronic or print reproduction, duplication or distribution of any material in this paper or modification of the content thereof are prohibited.