The problem Pago.AI addresses is the high rate of loan rejections due to Debt-to-Income (DTI) ratios. Many borrowers, even those with good credit ratings, get declined or receive smaller loan amounts because their DTI is too high. This occurs without clear explanations from the banks, and many of these individuals could qualify if they adjusted their financial structure (e.g., through refinancing). The solution Pago.AI offers is an AI-powered advisor that analyzes credit reports, explains the reasons behind rejections, calculates refinancing options, and helps users reduce loan payments while potentially securing more cash. Essentially, Pago.AI converts DTI-related rejections into approvals by guiding users through restructuring their existing debts

nnovative entrepreneurship is one of the fastest growing and most promising areas of the private sector, which has both intensive government support and high interest from established businesses, expressed in the desire to absorb/join innovative entrepreneurship entities. In the environment of innovative entrepreneurship, youth entrepreneurship plays a special role - young people have many advantages that can develop innovative entrepreneurship. Such advantages include a fresh outlook, unconventional thinking, a desire to apply themselves in life and work, the ability to flexibly respond to financial difficulties, etc. De facto, young entrepreneurs are leaders who will set the tone for the global economy in the 21st century. Based on this statement, the authors' team initiated the Russian-Chinese Youth Business Accelerator Project (hereinafter referred to as the Project). This project unites more than one thousand young start-up entrepreneurs, including those employed in the high-tech sector. The Project is a unique acceleration program developed with the aim of bringing Russian projects to foreign markets and attracting foreign investment to the Russian economy. The Project envisages creating conditions for the development of youth entrepreneurship, as well as stimulating the interest of young people in the development of international cooperation. During the implementation of the Project, the Project residents are provided with the following opportunities: - completing a program of additional professional education; - modernization of an existing or development of a new business project (a video about the project, a business plan, an article about the project, an application for a subsidy (financing); - acquaintance and cooperation with Russian and Chinese entrepreneurs and experts, government officials and higher education institutions; - methodological support and support for a business project when submitting applications for financing and co-financing to public and private organizations supporting small businesses; - support in finding domestic and foreign business contacts; - pitch sessions with investors, government officials, entrepreneurs, receiving expert feedback on projects.

1 The Problem of Technological Sovereignty  Import substitution  Development of domestic technologies  Ensuring food security  Creation of new jobs  Infrastructure development  Integration into global supply chains  Increased competitiveness 2 The problem solved by the practice of using sourdough for enterprises and consumers  Long activation time of yeast and sourdoughs.  Loss of yeast activity due to improper storage.  Complexity in use and constant care of traditional sourdoughs.  Need for water to activate yeast.  Reduction of gluten levels due to the fermentation process.  Environmental friendliness.  The need to create a unique and healthy product that combines the advantages of traditional starters and the convenience of using dry yeast Solution The innovative fruit starter "VitaKhleb" has been developed. It is a unique solution that combines the advantages of traditional starters and the convenience of using dry yeast. It allows you to create delicious and healthy bread that will delight you with its aroma and taste, and also bring health benefits.

Background of Practice: With social development, improved living standards, and changing consumer attitudes, more people are willing to purchase services to save time and effort, enjoying a more convenient and efficient lifestyle. Simultaneously, as China's aging population accelerates and elderly mobility decreases, there is visible future growth in industries like last-mile delivery for takeout and courier services. However, the costs associated with these services are prohibitively high, necessitating unmanned last-mile delivery services to reduce living expenses. Currently, the steady advancement of smart connected "vehicle-road-cloud integration" pilot projects provides a perfect solution to this demand. In response, we have introduced a specialized vehicle-road-cloud integrated last-mile delivery equipment. Overall Practice Strategy: We seek collaboration with prestigious universities and large enterprises, which have significant potential for last-mile delivery demands internally. Initially, we deploy our products in campuses, parks, or industrial zones for operational testing. This includes large-item transfers, as well as last-mile delivery services for takeout and courier within campuses, and material or goods transfer services within industrial parks or factory zones. Through collaboration with property management and owners, we pilot vehicle deployments in select large residential areas to meet residents' last-mile delivery needs for takeout and courier services. During equipment operation, real-time road data is collected using onboard sensors such as laser radar, millimeter-wave radar, cameras, etc. This data, combined with chassis and vehicle data, is integrated with cloud data to achieve unmanned vehicle-road-cloud integrated autonomous delivery. Data is uploaded to the cloud in real-time for subsequent technical analysis. On the technical front, the equipment's overall control framework includes four systems: - The control system integrates signals from sensors in the perception system, processes them through processing modules to generate control commands, and transmits these commands to the chassis system. - The chassis system, as the vehicle's execution layer, achieves real-time response and feedback horizontally and vertically. - The interaction system outputs signals from the perception system and interacts with the control system. - The front end provides multiple protocol communication interfaces, multiple voltage power supply interfaces, and plug-and-play capabilities to meet the power supply and communication needs of commonly used mature laser radar, cameras, and industrial computers, thereby saving development time.

Cities face increasing risks from climate change such as floods, heatwaves, and rising sea levels. Traditional planning lacks the tools to predict and mitigate these risks. Our solution integrates AI-driven climate predictions to help urban planners design infrastructure that can withstand future climate impacts, ensuring long-term sustainability and resilience.

In response to the challenges of climate and environment, innovation serves as an extremely significant driving force. Under the sustainable development goals, it is necessary to establish a decarbonized global economy. The innovation, development paths, and cooperation among Chinese enterprises and BRICS+ countries, along with their profound impacts, will far exceed our expectations. Raising the levels of environmental protection, carbon reduction, energy conservation, and efficiency improvement to new heights and exploring multiple sustainable development practice routes will make tremendous contributions to the global response to climate change.

In the context of BRICS countries students face significant challenges in accessing verified, meaningful discounts on essential products and services. While student-specific offers exist, they are often fragmented, not centrally available, or lack proper verification processes. This limits the reach of both students and partner brands who wish to connect with this vital demographic. Key challenges that the student population in the expanded BRICS nations faces include: 1.Lack of Centralized Discount Platforms 2.Socioeconomic Barriers. A platform like STUDMART could play a vital role in alleviating this financial burden. 3.Fragmented Ecosystem of Brand Offers 4.Absence of Data-Driven Insights

AR market is currently dominated by AR glasses program, AR glasses application pain points are more, poor imaging effect, vertigo discomfort, not friendly to myopic people, and poor interactive experience, poor computing performance, less functionality.AR glasses can not directly empower the existing car or home scene, the market needs new products, we using our core technology to create a product without wearing, naked eye projection imaging, with good light resistance and interference. Good resistance to light interference.

The raised floor design makes it possible to significantly simplify finishing work within industrial and production facilities, as it replaces several production processes at once: • Floor leveling (only a rough screed is required); • Organization of cable management (all communications are quickly accessible); • Organization of a mobile workspace (it is easy to change the location of any workplace, taking into account the speed of communication transfer) • Fire safety — all communications are quickly accessible, and the automatic control system for the underground space ensures safety • Control of the underground space

Entrepreneurs in emerging markets face significant challenges in accessing the insights, funding, and support necessary to start and grow their businesses. Corruption, nepotism, and a lack of transparency often limit opportunities for ecosystem development, making it difficult for entrepreneurs to secure the backing they need. Simultaneously, funders struggle with identifying, funding, and managing high-potential projects, leading to inefficiencies and missed opportunities. Senu addresses these issues by utilizing Generative AI (GenAI) to streamline the entrepreneur's journey, matching them with the most suitable funders and supporters based on their business type and market. For funders, Senu offers a comprehensive dashboard to facilitate sourcing, portfolio management, and funding decision-making, reducing the complexity of managing multiple projects. Additionally, Senu integrates decentralized finance (DeFi) through cross-border Smart Contract Escrow Project Funding, leveraging the NEAR blockchain network to ensure transparency and security in funding transactions. By combining AI and DeFi, Senu creates a virtual ecosystem that fosters entrepreneurial success and financial inclusion in emerging economies.

Description of the problem and implemented solution * Software system for dental clinics The main problems with using current dental software include: - the process of filling out a patient's card is not optimized; on average, a doctor spends 20 minutes filling out such a card for one patient with a workload of 7-8 patients per day - prospects for implementation and integration with state medical portals such as Telemed, Public Services Portal (Gosuslugi), the Ministry of Healthcare of the Russian Federation, and commercial flagships of 1C.

Most process automation systems are technically outdated. These systems often need to be finalized on site by linking equipment from different manufacturers, and such systems also have a scalability problem. Companies engaged in industrial automation software that have been on the market for a long time, realize their tasks by constantly adapting their program, the so-called SCADA.