No, it's dead centre over the axle (give 1cm). I've had 20kg on there. The saddle-bag probably deceives.Your rack looks as far back as the Furo.
Furo says "modifiable speed limit". Although that would make it not-legal (if you care), did you at least try it out?Quickly found myself hitting the max speed 25 km/h and wanting more.
Gearing is always a little on the low side on all the folders I've tried, and it's annoying how most don't consider how the bike is held together when folded, when simple magnetic catches work fine. Bungee cord is usually the answer.
Interested to know if you also considered the Eole S? Very similar overall, carbon frame, foldable, seat-post battery, hydraulics etc etc, and a little lighter than the Furo at 14kg.