I have been prodded several times to join this contest. It's a great initiative, I'm just reticent putting myself forward - unless you've ever had an opinionated chat with me online! ;-) So, here goes, and thanks to @ecoinstant for the opportunity.

Who: me, @rycharde (with a little help from a very small group of friends).
The MAP FinTech vote bonds currently consist of three programs: @MAPX (the first experiment), @MAPXV (our most profitable vote bond) and @MAXUV (our open-ended major innovation).
If there is to be one lead project, then it should be @MAXUV.

What: Vote bonds are tradeable tokens that entitle the holder to upvotes, the precise details of which depend on the program, but all are designed so that the upvote received is larger than could be generated from the value of that token being one's own SP. The beauty is that the tokens can easily be bought and sold and income from the overall fund is powered-up as SP, thereby growing both the capital base and the vote values. This is especially important now as (almost) everyone is adjusting to much lower rewards.

Where: The management and posting accounts are on Steem and the tokens are on the Steem Engine DEX. For example, @MAXUV manages the MAXUV token.

Why: These programs are developments from the MAP Rewarder fund managed by @accelerator. MAPR was established in January 2018 and has been paying out profits for some 20 months - we don't even stop for hardforks!

The Steem blockchain is fundamentally a mathematical structure with logical connections and algorithmic functions. By understanding this structure, I have been able to generate above average returns for MAPR delegators. I am now using the same methods to generate income in a different way, combining high value upvotes with compounding the capital. All the funds are asset-backed so should I one day give up and become an anchorite, all funds will be distributed to token holders.

The aim is to help Steem creators improve their rewards while they do what they do best: create. You create the content, I create the rewards. Of course, there are many accounts with more SP than the MAXUV program, but it is open-ended so has no upper limit to the amount of SP it can handle. Indeed, its own voting algorithm only needs a few small tweaks at about 1 million SP.

Worth mentioning that this move into fintech started out as the MAP community, the legacy acronym used to mean the Minnows Accelerator Project, from way back in pre-history when there was little more than PAL helping Steemian. Although the means have morphed over time, from content curation to rewards management, the aim remains to make Steem as profitable as possible for all. Indeed, if the MAP community still existed, it would be loaded up with these vote-bonds so that it could distribute rewards to members, such as through using post beneficiaries.

So, what do users get? Higher upvotes than powering-up the same STEEM, an investment in a fund that powers-up its profits, an increasing token price backed by assets and the ability to sell those tokens without waiting 14 weeks to undelegate and then power-down.

How: Mathematics and proof of thinking. Oh, you mean how can Steemians participate? Go to @MAXUV and read the most recent weekly report.

Thanks for reading.