Ferrum Network is a high-speed interoperability network built for real- world financial applications. It is comprised of two interconnected elements: (1) a DAG-based interoperability network that can connect to nearly any blockchain enabling peer-to-peer transactions of any digital asset in milliseconds, and (2) the vertically integrated financial applications running on the network that allow users to buy, sell, transact, exchange and store any digital asset without taking custody of those assets. The network is powered by the native Ferrum Network utility token, or FRM. Each transaction requires a nominal of FRM be spent and burned to attach proof to the transaction and as an anti-spamming measure. Our product line includes a live fiat gateway plus payments app called Kudi Exchange. Kudi Exchange is a fast, low cost platform for buying and selling digital currencies combined with a revolutionary peer- to-peer payments app allowing users to instantly send fiat currency with no banking intermediaries. It is also the first fiat-to-crypto exchange in West Africa with access to a U.S. Dollar backed stable coin. Our non- custodial crypto wallet, UniFyre Wallet, will allow users to transact any digital asset with no counter-party risk, and provides revolutionary capabilities such as risk-free OTC trading, instant market trades, and safety features to prevent accidental loss. Later we will address our remaining products: a high-speed cross-chain decentralized exchange, and a low-cost cold wallet application that operates on an offline Android phone. Imagine sending Bitcoin in milliseconds, exchanging any asset peer-to-peer over a high-speed interoperability network, or sending digital fiat with no intermediary. It is all possible with Ferrum Network.