FINL CHAIN is a smart contract and blockchain application platform with advanced consensus algorithm and enhanced security, overcoming the limitations of the existing platforms. Increasing the transaction speed is a challenging task because of the complex computation involved in storing and validating transactions. In the process of considering double-spending issue, independent network operation, and security problems of blockchain mainnet, the development of the mainnet is often conducted without considering scalability. FINL CHAIN effectively solves the blockchain trilemma by providing all three properties that include scalability, decentralization, and security. Therefore, FINL CHAIN is considered a competitive blockchain model because it solves issues that are not addressed by other existing platforms.