V 1.25 October 26, Whitepaper. www. irfio.com

Transcription

1 V 1.25 October 26, 2017 Whitepaper www. irfio.com

2 Airfio Crypto Bank with AI Airfio is the pioneer platform that brings revolution in banking and fintech industry. With an enthusiastic passion for streamlining crypto banking activities and ensure users experience seamless transactions, Airfio emerged as the smart crypto banking solutions. It introduces most advanced applications built on Artificial intelligence and blockchain technology. The concept connects futuristic professionalism with present approaches of blockchain and Neural networks.

3 Table of Content 1. Introduction 2. Market and Industry 2.1 Crypto Banking 2.2 Blockchain 2.3 CryptoCurrency 3. Product Details 3.1 Problem Definition 3.2 Solution 3.3 Blockchain 3.4 Artificial Intelligence 4. For Users 4.1 ARF Coin 4.2 Crypto Bank ( universal ) 4.3 Crypto Wallet (Universal, Anonymous Trxn ) 4.4 Visa Card 4.5 Crypto Exchange 4.6 Assistance APP 4.7 Mining APP 4.8 Bounty Campaign 4.9 Referral and A liate 4.10 Lending Program 5. For Merchants 5.1 Payment Gateway 5.2 Kiosk Machine 5.3 Card Device

4 5.4 Store Listing ( Marketplace ) 6. For Merchants 5.1 Software Development Kit 5.2 API 7. Final Thought Table of Content

5 Crypto Bank with most advanced application 1. Introduction: Technological advancement has shown significant growth in several industries including travel, entertainment and IT. The banking seems to be the sole industry that sets apart from such innovation and where customer's funds are restricted to the established players who does an activity with their traditional rules. However, in this condition, many financial firms are trying to adopt the technology. According to banking industry leaders, in order to fill the gap between finance and technology, Blockchain is been an extremely preferred choice of recent days. The Airfio's crypto banking involves payment in cryptocurrency, quick integration and completely seamless system. Beside blockchain technology in banking, Airfio is also integrated artificial intelligence. Assimilating these two advances in banking is derived by keen research from industry leaders including experts from leading bank and factual understanding of user's behavior in accordance with the situation. This profound research has urged Airfio to step ahead in the era of crypto banking with neural networks. The blockchain based banking with artificial intelligence is the smart advancement that will absolutely derive customers closer to crypto banks and fintech firms to respond customer's query quickly. 2 Market and Industry 2.1 Crypto banking: Though growth over the total crypto market volume has compelled financial market players to crack in crypto industry. According to research, there are two types of users; 1) Those who are satisfied with the present anonymous trading system through which transactions can be performed via blockchain address & where the person's identity is fully secured. 2) Those who are seeking a system that help them perform anonymous transaction with a brief listing of their records (as identical to banking application). Unfortunately, they cannot find a perfect partner that lets them access their own information as the way they desire. Gradually, there are few startups that strive to enter to a crypto market to serve those

6 individuals to complete their transactions via blockchain technology with the taste of banking. 2.2 Blockchain Blockchain involves with growing list of records called blocks, those blocks then be secured and linked using cryptography. Every block here contains a pointer that relates to the previous block. A blockchain is an open ledger that records and shows the entries user owned. 2.3 Cryptocurrency: The virtual coins/cryptocurrency has experienced such a robust gain and hitting all-time high every so often. A rising growth in the supply of initial coin o erings has derived sustained interest towards cryptocurrency. Present days, individuals are more likely to trade via digital currency and accordingly they demand their specific industries to get digital. This derives businesses to get engage with the crypto world and innovate steadily. Though, everyone aware of the fluctuating nature of the cryptocurrency value yet demand is growing swiftly. Adoption of cryptocurrency by industries like Gold merchants, bit payment integration by social media apps and growing volume is a proof that cryptocurrency is here to

7 stay for a long. Researching deep at the market signifies the importance of feasible cryptocurrency that enable even general public to get into crypto world. 3. Product Details 3.1 Problem Definition Time is money & more than money, yes! Customers of every bank always expect their activities, requisites, and operations to be closed immediately. The fact is that human has a limit to their speed and intelligence which becomes quite sluggish after a certain period of time. Particularly fintech firms required to be more accurate and perfect in the financial transaction since they are the trust holders of customers. And in case, if they fail to perform it truthfully, they are likely to lose trust among them. Every activity to processed perfectly necessitates unceasing patience which is absolutely hard for a human to maintain it invariably. However, time & location are the key constraints, banking customers must wait until banking biz hours to get their queries resolved and restricted with borders to visit banks/contact their associates. 3.2 Solution At this point of time, market wishes for something that could eventually resolve nature of inaccuracy, patience level and a quick look at their details. Airfio is emerged to fill the gap It commenced crypto banking with yet another revolutionary technology i.e Artificial intelligence/ neural networks. It is the inventing platform focuses on advancing crypto banking and assisting them to get closer to their customers by creating borderless transactions and AI integrated system that solves their queries regardless of time. Our vision is designing modern crypto banks and making them advanced with artificial intelligence. A user with our application can have a complete control and access to their funds including managing crypto portfolios, funds transfers between peers and also the multitude of other features. 3.3 Blockchain Banking with blockchain technology is emerging which is intended to explore banking

8 cognizance across the crypto market. Unlike location-based banks, blockchain based/crypto banking involves operations via blockchain technology. Airfio as the blockchain banking records all the transaction and maintains it in blocks which appears as the ledger. These ledgers are publicly accessible (according to the customer who owned it). This system streamlines customers to get immediate access to their transactions. Airfio's crypto bank allows you create borderless 24/7 digital services for P2P retail and other crypto clients. Our platform is instigated after the profound understanding of customer's perquisites and thorough research on what requires to quickly attain it. 3.4 Artificial Intelligence Robots are rising a step ahead with human intelligence. Airfio strongly believes that AI is significant that gradually replace humans when it comes to personal assistance, machine learning and understanding varied behavior to respond quickly. Hello human! I'm your Personal artificial Intelligence assistant on Airfio Artificial intelligence embraces robots with human intelligence which is already present from Siri in iphone, Netflix, and Google. It has now become crucial since people expect everything they desire should exist spontaneously. Our products that built on AI is featured with cognitive computing and machine learning which is must to perform advanced interpretation of trends. Airfio crypto banking with AI, neural language processing, and a machine-learning algorithm will assist in more consistent & faster engagement by solving basic queries automatically and freeing up employees for more complicated questions.

9 4. For User 4.1 ARF Coin ARF coin is exclusive crypto coin by Airfio which has introduced in the market but the actual launch proposed to occur after the successful completion of its ICO tokens. The platform is releasing limited tokens initially in two portions i.e on pre-ico and during ICO. ARF combines bank with blockchain. This cryptocurrency is more secured, transactions under which is verified through neural language processing. It is built with an easy interface to provide simplified access to everyone, ranging from beginners to highly experienced & established investors. This digital currency is decentralized thus no central authority controls it. ARF is a complete crypto banking package which performs blockchain activities with human intelligence. All facilitates are compiled to facilitate you perform broad activities via only one digital coin including visa card to transact ARF internationally, creating anonymous transactions via smart wallet, vigilant transactions via crypto bank and a new decentralized exchange platform for exclusive ARF trading. 4.2 Crypto Bank ( universal ) With universal Crypto bank Airfio is aimed to create and enhance digital banking. Crypto banking refers to the arena where financial services are based on blockchain and transactions can be quickly verified by the open source public ledger. Airfio's Crypto banking focuses on the transformation of a paper-intensive process to a decentralized wherein users can have direct access to the information/ledger they owned. Using our crypto bank account, you can track all types of payment details including received payment, sent payment, refunded funds and others (if). The crypto bank is anonymous in nature but identical to banking application. Furthermore, the crypto bank account number is fixed in nature and will not be changed how the wallet address does. Our platform provides you the taste of secured banking & blockchain transactions 4.3 Smart Crypto Wallet (Universal, Anonymous transactions) Though there are various crypto wallets available, the smart wallet from Airfio ensures quick transaction confirmation and immediate processing with a single click. This crypto wallet is secured and completely anonymous in nature on which parties can rely, perform an action and

10 complete the process in no time. Our smart wallet empowers quick and direct transactions that allows immediate transfer. With advanced privacy, anonymity and security, Airfio's smart wallet is easily accessible 24/7 worldwide via any device. The smart wallet of Airfio is featured with artificial intelligence which is integrated with diverse cutting-edge features. Moreover, users can create 10 wallet addresses and continue the crypto transaction e ciently. 4.4 Visa Card : Airfio is launching its own Visa Card to crypto users associated with crypto banking/fintech firms. The beta version of which will be released in the market by Quarter 2, 2018 with intense research and testing but the actual launch is projected to come in later days. PERMIUM DEBIT CARD VALID FROM VALID TO 12 / /2020 WILLIAM SMITH PERMIUM DEBIT CARD WILLIAM SMITH VALID FROM 12 /2017 VALID TO 04 /2020 Exchanging digital coins should be a click-to-go option and this has made possible with Airfio Visa card that facilitates user access to their cryptocurrencies anywhere in the world. Security and privacy is yet another key constraint we consider during the procedure and is equipped with dynamic CCV which significantly marks for the higher security level. 4.5 Decentralized Exchange : The trend is fast moving in the crypto world and crypto exchange is now shifting to decentralized exchange. Our decentralized exchange is not controlled or monitored by any third party/any other central authority. As an initiation, it supports ARF and BTC and allows

11 traders actively involved in ARF & BTC trading. However, the beta version of this exchange is projected to launch by Quarter This exchange ensures users to trade smoothly with Airfio coin and later on converting them into other cryptocurrencies listed on its platform. 4.6 Assistance APP: Yet another revolutionary feature Airfio has announced is Assistant application. This application is a personal manager to the user which guides them across every possible exertion they face/have. Since the application is based on neural language, it better understands a user and transforms the equivalent info to bank/firm which assists them making a better decision and interact customers excellently. Nonetheless, the beta version is launching soon in Quarter 3, 2018 The Assistant application will also inform users about the newest market trends, translate new features to user's local language and also performs other exciting activities. 4.7 Mining APP: Airfio is also featured with exceptional mining application which employs mobile technology. The purpose is to support more transparent and e cient transactions via thoughtful verification. The beta version of this mining application is launching in Qurtr 2nd, The application will derive an instant and seamless experience to its users. Rewards will be awarded to those who download the app, continue proceeding transactions and raise other folks. 4.8 Bounty Campaign : Airfio platform introduces its exclusive bounty campaign which focuses on the additional reward to individuals/influencers who are promoting Airfio products. Diverse campaigns are designed to facilitate users to recommend other users and earn tokens for free. Accordingly, tasks are assigned to participants which contain Twitter boost, blogging, Facebook involvement, Medium writing and much more. Respectively, account registration option is available for participants who can register to Airfio and then participate in the best fit campaign. Every task has its own guide on how to perform, when the task will be approved, conditions concerning and when the tokens are rewarded. An advanced dashboard is created which performs all functions automatically and guide users what they must do and also allow them to compute their performance.

12 4.9 Referral and A liate : Participating in referral program of Airfio makes you even smarter. Under this program, referring one person to Airfio is the growing opportunity that results for incessant earning. Pre-ICO referral link connections will obtain profit from ICO tokens they referred. Furthermore, they are given priority to company's upcoming features. Eventually, the more person you refer, the more tokens you can find in your pocket. Once a person registers an account with Airfio, he can have the access to most advanced dashboard where detailed guide on participating at Airfio's referral program is outlined clearly. The system automatically evaluates the performance and keep participants informed about their performance Lending Program : The lending program by Airfio is the added growing opportunity for those who desire involving in crypto banking and earn additional income. To save and lend later with Airfio will supplement surplus value to your funds. Lenders will obtain the maximum interest of their ARF holdings by participating in its lending program. Airfio's products are exciting, there are much more to come which are proposed to launch by end 2022 eventually. 5. For Merchants : 5.1 Payment Gateways: Payment gateway from Airfio will be provided to merchants who can create their own payment system. Merchants will have their order number associated with transaction details via simple API command. However, the API will be given to each merchant to integrate it over their e- stores and enable ARF users to pay online via ARF payment gateway. ARF's API integrated with payment gateways verifies and confirms the transactions quickly and e ortlessly. Furthermore, depending on the number of transactions, ARF coin will be rewarded to the merchants using our API over their stores. 5.2 Kiosk Machine : Kiosk machines from Airfio enable access to limited amount of funds. These applications are

13 built with key constraints including easy interface, simplicity and also featured with hassle-free transactions. It is the most sophisticated self-service component integration by Airfio that ensure ARF trading e ciently at any corner of the world. Commissions are reserved for merchants using our kiosk machine exclusively for ARF coin trading. 5.3 ARF Card Device : The ARF card device is particularly designed for ARF card payment. Transaction charges using our card device is comparatively less than those who pays via public crypto ATM. Deciding on ARF card device provide a greater business opportunity for merchants, since the currency is decentralized and has compiled with advanced feature of artificial intelligence. 5.4 Store Listing ( Marketplace ) : Exclusive listing platform for merchants is designed and given priority over every new product Aifrio launches. At our premium store listing, all merchants who are supporting Airfio network will be listed including API integrated payment gateway merchants, those who promote ARF trading and also those placing our card device. 6. For Developer 6.1 Software Development Kit & API Our Software development kit(sdk) is aimed to benefit developers and merchants who are determined to promote ARF via their apps. ARF is open source thus welcome developer to contribute to the project. Details to participate in SDK program is described at Airfio's website. Besides, our API is the quickest and e cient way to start accepting ARF payments globally. Airfio carefully monitors the address and inform users whenever payment is successful made. The ultimate aim of our advanced crypto banking is to benefit every developer supporting Airfio's products. 7. Final Thought: Almost 68% folks use crypto-based transactions thus our mission as the advanced crypto AI bank is to ensure every user experience decentralized data among crypto networks. We further believe, a system should allow people to invest in P2P loans, stocks, real-estate, pay insurance using ARF or can also have access to loan using other cryptocurrencies thus ARF exists.

14 Whitepaper End www. irfio.com White P per Version: V1.5 L st upd te: 26-Oct-2017