Facio leverages big data and artificial intelligence technologies to provide financial services with a cloud-based platform for contract management. The platform is designed to autonomously negotiate, sell, execute, control, and document legally relevant events and actions in accordance with the terms of the contract between issuers, holders, and the ecosystem. Facio aims to make financial services universally accessible and to reduce transaction costs, arbitrations, enforcement costs, fraud losses, and malicious and accidental exceptions.