CONTENT 1. Legal Disclaimer 2. About the Company Mission II. Vision III. Problem Statement IV. Solution

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2 CONTENT 1. Legal Disclaimer 2. About the Company I. Mission II. Vision III. Problem Statement IV. Solution V. Our Major Products Multicurrency Wallet Multicurrency Prepaid Debit Card VI. Benefits VII. How Quralt will Work 3. Token Supply & Distribution 4. Phases of Sale 5. Roadmap 6. Team Members 7. F.A.Qs 8. Contact Details

3 LEGAL DISCLAIMER The White Paper (Quralt White Paper), as it may be amended from time to time, is hereby incorporated by reference. Quralt (Company) will distribute the Quralt tokens (Tokens) to crypto enthusiasts or any other buyers (Buyer) pursuant to the Quralt Distribution Contract (the Contract). The company makes no representations or warranties, express or implied, for a particular purpose with respect to the Contract or Tokens or their utility or the ability of anyone to purchase or use Tokens. Without limiting the foregoing, none of the Company parties representor warrant that the process of purchasing and /or receiving Tokens will be uninterrupted or error-free or that Tokens are reliable and error-free. As a result, Buyer acknowledges and understands that Buyer may never receive Tokens and may lose the entire amount Buyer paid to Company. Buyer shall provide an accurate digital wallet address to Company for receipt of any Tokens distributed to Buyer pursuant to the Contract. The sale of Tokens and Tokens themselves are not securities, commodities, swaps on either securities or commodities or a financial instrument of any kind. We have received a memo from our attorneys stating that our token is a utility token. Accordingly, this document does not constitute investment council, advice, or solicitation for investment in any security. Purchases and sales of Tokens are not subject to the protections of any laws governing those types of financial instruments. This Agreement and all other documents referred to in this Agreement, including the White Paper, do not constitute a prospectus or offering document and are not an offer to sell nor the solicitation of an offer to buy an investment, a security, commodity, or a swap on either a security or commodity. The company has prepared this white paper for the sole purpose of introducing the technical aspects of the Quralt, its associated platform components, and its underlying blockchain protocol. The White Paper is not an offering document or prospectus and is not intended to provide the basis of any investment decision or contract. The information presented herein has not been subject to independent audit, verification, or analysis by any professional legal, accounting, engineering, or financial advisors. The White Paper does not purport to include information that Buyer might require to form any purchase decision, nor does it comprehensively address risks of Tokens, which are numerous and significant. Page 3 of 18

4 Company (along with its directors, officers, and employees) does not assume any liability or responsibility whatsoever for the accuracy or completeness of information contained in the White Paper or for correcting any errors herein. sale of Tokens, Company does not assume any liability or responsibility whatsoever for any loss of market value of Tokens. The content of the White Paper may be challenging and require a high degree of familiarity with distributed ledger technology to comprehend Tokens and associated risks. Readers of this document are encouraged to seek external advice and are solely responsible for making their own assessment of the matters herein, including assessing risks and consulting technical and professional advisors. Page 4 of 18

5 ABOUT THE COMPANY QURALT is a group of highly skilled individuals working toward reforming the way cryptocurrency is being used in today s world. Quralt is a platform on a robust public blockchain built to enable crypto enthusiasts around the world to manage and pay for their utilities through tokens in an easy way. We are collaborating with one of the largest travel consolidator so as to enhance the business and join hands with the most renowned companies to exchange the ideas and come up well in the market with a good market strategy. Our Mission We will give our customers control and ultimate transparency with our decentralised platform by ensuring all the transactions documented in blockchain. We created a bridge between cryptocurrency and fiat and vice versa so that customers can perform the exchange seamlessly. Our Vision Quralt team designed a simple digital platform, a multicurrency wallet, a Prepaid Debit card to enable customers to manage their services from one place. In addition, to grow this new ecosystem, Quralt gives a benefit to the customers not only to manage their services but also to do the exchange from cryptocurrency to fiat. Page 5 of 18

6 Problem Statement QURALT identifies the problems, within the existing blockchain ecosystems that can interrupt or slow down day-to-day transactions which are as follows: Time and Speed: Blockchain transactions are recorded in the blockchain as blocks. Also, the protocols have a limited block size and take a certain amount of time to generate a block. For instance, Bitcoin blockchain takes an average of 10 minutes before a transaction receives a network confirmation. But if we check on Ethereum, it takes 10 to 19 seconds. For example, PayPal manages 193 transactions per second and the prepaid debit card can manage more than 50,000 transactions per second. Scalability: Each node or the computer on the blockchain needs to process every transaction. This requires each node to possess and maintain a copy of the entire ledger. Scalability in traditional database systems can be easily solved with more computing power by adding more physical server computers. In the case of a decentralized system, each of the multiple processing nodes would, in theory, require more physical components to increase computing power. By expanding the blockchain would increase the need for processing power, storage, and bandwidth at each node, and not all fully participating nodes may be able to cope with the increased requirements. Transaction Cost: The blockchain transaction costs are lower than the banking system in most cases, there can still be a significant amount depending on the blockchain type, and the urgency of the transaction. For instance, current Bitcoin fees per block transaction range from USD 10 to USD 30 while Ethereum fees per transaction range from USD 2 to USD 4. Quralt blockchain is developed to bring this cost even lower. Cross Chain Transfers: As we know there are different blockchains having different protocols, so there are limited ways in which communication between the two can take place. Suppose, there is a sender who owns crypto assets in the A-coin blockchain want to transfer assets to a receiver on the B-coin blockchain, the sender would first need to convert the Acoin crypto assets into B-coin crypto assets. At that point, the sender may be required to transfer the B-coin crypto assets to a wallet that supports it. Only then will the sender be able to transfer the assets to the receiver which is timeconsuming and expensive. Page 6 of 18

7 SOLUTION QURALT features a multicurrency wallet, a dashboard, multicurrency prepaid debit card and a payment gateway using the Quralt Protocol. Quralt as a company is a robust, modular, public blockchain-based, decentralized utility payment gate-way and processing wallet application that any consumer or crypto enthusiast can use from around the world for their benefits. The core purpose is to provide all sorts of payment methods that exist today for the customers around the world to try to ease their day to day pain as we foresee that cryptocurrencies will be part of the regular day to day transactions soon. Quralt is building a new form of services with its digital payment tool in a sector that had little customer-centric innovations for years. Mobile wallet applications have already become a ubiquitous and indispensable home tool as it brings enormous benefits and convenience for people around the world at their ease. Page 7 of 18

8 QURALT ECOSYSTEM (OUR MAJOR PRODUCTS) 1. Multicurrency Wallet The Quralt wallet provides secure storage of cryptocurrencies. It is a multicurrency wallet that supports both cryptocurrencies and fiat currencies. The wallet is accessible, and the user can send and receive funds. The wallet is seamlessly linked to a Prepaid Debit card. Any transactions made with the Prepaid Debit card will be reflected in the wallet in real-time. Users can also see the value of crypto assets in fiat currency like USD, EURO, etc. 2. Multicurrency Prepaid Debit Card The Quralt Crypto-Prepaid Debit card allows the user to not just increase the value of the money invested in the various cryptocurrencies, but also spend it. With this card, the user spends cryptocurrency just like fiat currency. The Quralt Prepaid Debit card is a physical card, that can be used online or offline to make transactions instantly with cryptocurrency. Quralt also intends to provide a virtual card, which can be used globally. The holders will get the discount on the tickets and goods purchase online. Page 8 of 18

9 BENEFITS QURALT can be easily used for Business to Customer and Business to Business transactions. For instance, Quralt enables a customer to use any cryptocurrency to make purchases online or offline just like other electronic payment methods. Transactions will be made instantaneously regardless of the amount, irrespective of whether they are fiat to crypto or crypto to fiat. Customers will be able to navigate and use the dashboard and other facilities easily. Customers who were not able to pay or buy using cryptocurrency will be able to pay through our coins via our wallet. Users will have full control on their crypto assets. Prepaid Debit Card holders will get discounts on the tickets and goods purchase online. Businesses will be able to use our payment gateway to accept a wide range of crypto coins. Partnership Agreements; having a strong bond with the utility operators will result in the potential mass adoption of Quralt by consumers. This will comprise of all the utility companies: Flights, Trains, Hotels, and Tour organizing and booking agencies. Educating Consumers to use this less time-consuming app and wallet so as to increase the market space of Quralt. Page 9 of 18

10 HOW QURALT WILL WORK As we are collaborating with many companies out of which one of the company is the largest traveling consolidator in the world so let s take the example of the same. Suppose, a customer wants to book a hotel room for few days. Here, the customer analyses that he needs to pay more than what he has planned as a budget (USD 4500) in cash. If the customer has to pay USD 1000 per day and he wants the room for 5 days, then he needs to pay USD While booking he got to know that if he pays the amount in Quralt he will get some discount. For, this purpose he contacts our company which is in collaboration with the hotel to get 5 tokens. He got to know they are cheaper as compared to pay in cash that is for 5 days he needs to pay 5 tokens which are USD 800 each. Therefore, he will save USD He buys QRLT from our company and then books the room of his favourite hotel. So, with this example, we can say that QRLT are much cheaper and will be useful for buying. Plus, with this as like other cryptocurrencies QRLT can make its own market space. *Once the Token distribution phase is completed, there will be a 1:1 swap from token to coin and It will be a minable coin. Page 10 of 18

11 TOKEN SUPPLY AND DISTRIBUTION Quralt (Symbol: QRLT) will have a total supply of 50 Million tokens. Distributed as follows: Products and development of Quralt Ecosystem 45% Sponsors and Advisors 5% Team 10% Founders 20% Marketing 20% Team Marketing Sponsors and Advisors Founders Products and development of Quralt Ecosystem Token Sale (Phases of Sale) Phase-1: ETH 1 ETH=2000 QRLT Phase-2: ETH 1 ETH=1500 QRLT Phase-3: ETH 1 ETH=1000 QRLT Referral Bonus: Level 1: 5% Level 2: 3% Level 3: 1% Soft cap: ETH and Hard cap: ETH Page 11 of 18

12 Quralt Roadmap 2018 Quarter 1 QURALT Idea Proposed QURALT Team Assembled Research & Analysis of Proposed Idea Final Concept blueprint designed 2018 Quarter 2 Whitepaper Formation Seed Investment Raised Core Team Extension Empanelment of Market Leaders Website Development 2018 Quarter Quarter 4 International Community Formation Current Business and Crypto trend analysis Back-end Development Investors and Members Portal Formation In-House Concept Implementation and Corrections Strategic tie-ups with global business and research center Main ICO Event Local Exchanger Switch to Main-net Online Marketing Campaign Quralt Online web shop Quralt 24*7 customer support and ticket system Listing on major exchanges QUTRALT Electronics chip card launch Payment gateway launch API for integrations plus Java/Nodejs Update Page 12 of 18

13 2019 Quarter 1 Offline Marketing Campaign Integration of browser extension payment Merchant Partnership Collaboration with Governments to facilitate acceptance 2019 Quarter 2 Most Flexible Quralt E-Market Release Quralt Training Platform for technical community release Quralt Advanced Financial Security portal release Page 13 of 18

14 TEAM MEMBERS Mr. Dhananjay Khillari CEO, Co-Founder Ms. Aarti Jaiswal CRO, Co-Founder Mr. Suresh Kalda CTO Page 14 of 18

15 ADVISORS Mr. Sandeep Khairnar Advisor Maria Evesseva Advisor Mr. Christian Glahn Advisor Mr. Ashish Chamoli Advisor Page 15 of 18

16 INVESTORS Mr. Kiran Aher Head Investor Mr. Girish Kakad Blockchain Enthusiast Page 16 of 18

17 Frequently Asked Questions (FAQ s) Q1: What is Quralt? A1: Quralt is a platform on a robust public blockchain built to enable crypto enthusiasts around the world to manage and pay for their utilities through coins in an easy way. Q2: What is the Name of the Token generated by your company? A2: The Token Name: Quralt Token. Symbol: QRLT (Used as an abbreviation or symbol) Q3: How will Quralt Token be used? A3: Crypto enthusiasts or the other people will usually use these in buying or paying for their utilities. Q4: Who needs Quralt Tokens? A4: Crypto Enthusiasts, maybe Corporations, small business, and individuals seeking to gauge with the Quralt Community in paying and buying in exchange for the Tokens. Q5: What is the Benefit being in contract with Quralt Company? A5: Quralt will create value for these crypto enthusiasts by giving them the benefit of exchange from crypto to fiat and from fiat to crypto. Q6: Is the Quralt Supply Limited? A6: Yes, there will be a max supply of (500 Million) Quralt (QRLT). Page 17 of 18

18 CONTACT DETAILS Website LinkedIn Facebook Twitter Telegram Page 18 of 18