Blockchain for Change Whitepaper
|
|
- Bethany Lester
- 6 years ago
- Views:
Transcription
1 Blockchain for Change Whitepaper
2 BCC Whitepaper 1 Contents 1. Introduction 1 Blockchain for Change 1 2. Change Coin 1 3. The Problem 2 Verified Identity & the Traditional Financial System 2 The Current System: A Snapshot of the United States 2 4. The Solution 2 Identity on Blockchain 3 The Fummi Application 3 The Change Coin Ecosystem 4 Change Coin Community 4 Retention through Utility 4 Blockchain for Change Code of Ethics 4 User Growth and Acquisition 5 Change Protocol 5 Distribution Roadmap 6 5. Market Opportunity for Growth 6 Scope 6 Differentiation 7 Business Competitors 7 Commercial Banking 8 Government Services 8 6. Team 9 Leadership Team 9 Strategic Advisors Key Terms 10
3 BCC Whitepaper 2 1. Introduction Blockchain for Change Blockchain for Change is a technology company at the nexus of digital identity, community and financial inclusion. The core of our service is a new system powering verified, autonomous, and sovereign identity. Through our service, we can reduce fraud associated with government benefits and streamline access to and management of critical resources for low-income and underserved people, first in the US and ultimately globally. A sovereign digital identity grants ownership of personal information -- and singular control over its use -- to the individual. With our Change Pass, a sovereign ID holder determines with whom information is shared inside a marketplace ecosystem. Figure 1: Structure Fummi, Blockchain for Change s first product, is a mobile application designed to provide low-cost financial services through cooperative purchasing partnerships for low-income and underserved individuals. These interactions use what we call a SmartID: a proprietary protocol for enabling a certified authority to verify identity on the blockchain. This method of verification called the Change Pass verifies a user s access to the Fummi marketplace and enables secure transactions and safe storage of money and information. 2. Change Coin The Change Coin is an ERC 20 token that is used as a currency within the Fummi ecosystem. The Change Coin functions as an access point and transaction mechanism between users, service providers, and the Fummi platform. Within that system, the Change Coin is set up to encourage value-creating activity via behavioral incentives. For example, when a user s SmartID is stored on the platform/blockchain, the user receives a reward of 30 Change Coins for successfully onboarding onto the platform. The underlying use of the Change Coin is designed to: 1. Verify and secure digital ID; 2. Reduce the cost of services through the cooperative purchasing platform; and 3. Function as a currency for improved and sustainable alternative financial services. Blockchain for Change will be raising capital through a sale. We intend on selling 73,520,000 Change Coins out of a total of 200,000,000 Change Coins. To incentivize user adoption of the smartphone program, Blockchain for Change will be giving away 30 Change Coins per phone or app download. At scale, we will be giving out 78,480,000 Change Coins to 5 million smart phones over the course of three years. The Change Protocol allows Blockchain for Change to do this through the inflow and outflow of Change Coins in the ecosystem with the help of the Blockchain for Change s Monetary Supply Account. The Change Coin is integral to use the platform. In order for people to get discounted features and/or services on the Fummi platform, they must pay part of the value of the service or feature in Change Coin. Each service or feature will have a set discounted cost through Change Coin, and the tokens spent to access the services will be returned to the Blockchain for Change working capital account and then redistributed to acquire new users at the market rate.
4 BCC Whitepaper 3 3. The Problem Verified Identity & the Traditional Financial System Modern services constantly require users to provide a verified, government identity. IDs are needed, not just to drive a car or enter a bar, but to register for school, open a bank account and access many government benefits. Individuals who do not have verification are locked out from vast expanses of the modern economy. According to the World Bank s Identification for Development (ID4D), 1.1 billion individuals worldwide do not have the ability to prove their own identity, and more than 2 billion people are excluded from the traditional banking system. Around 60% of adults worldwide who do not have a bank account cannot access one because of a lack of minimum funds, evidence of the limits of the current state of financial services inability to address the needs of low-income individuals. In the United States, our immediate focus, approximately 13 million voting-age citizens do not have proper and updated identity documentation. 9 million of the 67 million low-income individuals who receive federal benefits are unbanked, with significant ensuing societal costs. One study showed that this gap in documentation directly prevents them from accessing basic services, noting: An officially-recognized form of ID is the key enabler critical not only for exercising a wide range of rights but also for accessing healthcare, education, finance, and other essential services. The problem is particularly acute in New York City: 127,000 men, women, and children suffer from unstable financial and home lifestyles, the highest number since the great depression; meanwhile, a further 780,000 individuals are underbanked. The Current System: A Snapshot of the United States Current welfare systems are localized, outdated and inefficient. Their limited data capture often operates on analog systems with storage problems. Without the money or resources to properly protect their data and information, disadvantaged populations are uniquely vulnerable to data theft, social engineering and fraud. This system also means that the security of private data is at the mercy of weak, outdated, expensive and siloed systems. In 2011, the US federal government spent $140 billion on welfare. However, the systems through which this funding is implemented are similarly outdated and prone to fraud, leading to an annual loss of $3 billion. Ultimately, these programs were created to provide a bridge for low income citizens to get ahead for themselves. Local service providers and governments typically only provide support to the underserved for short terms (six months). At the same time, there is an enormous gap in utilization of the available technological capacity. For example, 97.4 percent of people in New York City, with incomes below $ a week, own a smartphone because of a dedicated program to provide them with connectivity. This resource presents a distinct, untapped opportunity to provide lost-cost services that can transform people's lives. The underlying premise of Blockchain for Change is that verified identity is required to facilitate inclusion in the modern economy. In turn, inclusion is required for the growth of critical sections of economies. That is because without verified identity, the economic systems driven by social welfare services are inefficient. This is not only a problem for the billions of people who are excluded from the system but also for the organizations and governments trying to provide welfare services to their citizens. The key value proposition of Fummi is the creation of an efficient platform for the delivery of welfare services through a plug-and-play infrastructure for service providers to advance financial inclusion in a demographic where more people currently own smartphones than bank accounts.
5 BCC Whitepaper 4 4. The Solution Fummi harnesses blockchain technology to redefine the usage of digital identity for financial services. These financial services provide low-cost specialized interactions for users opening the doors to the digital economy. Service providers have access to a cooperative network, which grants organizational transparency and auditability (which enables low-cost services). Due to the inherent fraud prevention and management of encrypted data on the permitted blockchain, service providers are incentivized to secure their users data with our SmartID. Originators of user data are rewarded in Change Coin when other service providers utilize the user IDs for services. Users use their SmartID to interact and transact with providers. This identity permits users to store money safely, access new opportunities such as building a alternative credit score, and getting discounted services from service providers. The record of interactions itself drives the Fummi attestation strategy, validating the SmartID data and applicability. The embedded Fummi SmartWallet (Users secure and protected record of accountability and transaction history), further offers a mobile financial services tool, which operates much like a more flexible bank account. Identity on Blockchain Blockchain offers a mechanism for truly decentralized authority across a multitude of industries, not just financial services. With this decentralized authority, we can eliminate a class of third-party verifiers and redundant middlemen from the web of online interactions. In particular, transactions between parties can maintain anonymity, integrity and true digital verification. In the context of digital identity, this offers the potential to close the gap between technology and sovereign identities for the first time. In our specific context, the SmartID, enables a decentralized authority to foster trust through proof of authority consensus. Service providers, nonprofits and government agencies on the Fummi marketplace will have authority roles on the distributed network. These decentralized authorities will initiate the verification of autonomous identity and establish the trust protocol of the blockchain. The Fummi Application Fummi is a blockchain-agnostic marketplace and platform that provides and facilitates the digitization of an individual s identity. Building a layer of economic history on top of a user s identity is the next step to allowing individuals to join the global financial community. Through the use of permissioned networks, a user s identity is protected and its use is controlled. This provides the underbanked with an accessible and affordable solution that facilitates payments and transactions between users and service providers. The Fummi application is an Android app designed to provide a streamlined set of core offerings focused on the specific needs of our users. Users have the ability to: Create an account: The user can enter their personal information and set standards for their desired services. To be entered into the system, information must then be verified by a service provider. Earn money: The user can source additional earning opportunities directly via the app. Track activity and payments: The user can track transaction history and recent account activity. Book a service: The user can locate and request access to a demographically-appropriate shelter, food pantry or financial aid service. If desired, the user can filter through or select options using their geo-location. Verified transaction enable access to services: When the user reaches a service provider, they will be able to use the app (in coordination with the service provider) to verify the receipt of the service. Service Providers gain access to: 1. Verified SmartID management 2. Interdepartmental data management 3. Streamlined eligibility process and benefit deployment
6 BCC Whitepaper 5 4. Direct to user benefits and services funding 5. Specialized citizen benefit analytics 6. Smart contracts enable payment and transaction management 7. Fraud prevention through SmartID accessibility The Change Coin Ecosystem Change Coin Community Members of the Change Coin community that do not qualify for the free phone under the lifeline federal assistance program can trade their Change Coin on exchanges but will also be able to use their Change Coin in the Fummi ecosystem. These holders of Change Coin can interact with the Fummi ecosystem in a number of ways: Access peer-to-peer lending and approved Change Score/credit ratings. Give donations to people to their favorite nonprofits on the Fummi Marketplace. Once deployed, the Fummi mobile application will provide users with an intermediary tool connecting government agencies and nonprofits organizations to direct funding and aid. Fummi will be pre-installed on smartphones provided by our partners at no cost to the end user. This ease of access will facilitate streamlined eligibility processes, mitigate fraud, improve the management of funds, and reduce transaction costs. Retention through Utility Change Coin gives users a safe vehicle to digitally store their money and transact for services within the ecosystem. By completing a series of positive transactions, users build a verified digital financial history. This record will define the users Change Score, an output generated during the financial actions of each individual user. The Fummi Change Score acts as a record of financial decisions enabling access to different financial services. In the future, via micro-financing products, the Fummi application will use the data collected from users and their habits to suggest the best financing products to address user needs (both life and business). One of the largest issues associated with financing products today is the inability for users to understand the true cost of certain products. Through Fummi and the financial products/partners, users will have access to accurate information regarding financial products and services. Finally, the Fummi application acts as an education resource for users, helping connect users with the necessary information to understand and plan for the future. Financial literacy rises with education and is paramount to the long term vision of Blockchain for Change. All of this is made possible through the Fummi Smart ID, which stores an individual s profile and personal data and enables support of personalized push notifications for the users. Fummi s SmartID keeps track of a user s Change Coins, credit ratings, and financial behaviors on the blockchain. These data heuristics drive the trust protocol of the network, improving the marketplace and ensuring the user has access to the right services. Blockchain for Change Code of Ethics All digital frameworks require a balance of human and technology governance. In order to protect privacy, security and dignity of all individuals, certain regulatory frameworks are required and implemented within the network. Blockchain for Change is committed to the highest standards of transparency, accountability and security within its own organization and throughout its network. Blockchain for Change requires individual entities within its network, including itself, to operate in accordance to basic standards and in full compliance with all applicable laws and regulations. Although each participant shall have differentiated responsibilities within the network, all participants shall be held accountable for the following: a. To solely utilize the blockchain technology toward the end goal of positive social impact; b. To maintain consistent, transparent and complete communication throughout the network in all forms and variations; c. To share accountable and reliable information required for identification;
7 BCC Whitepaper 6 d. Any exchange of assets is subject to the law of the land. Any misuse of an exchange of assets will be dealt with under the appropriate legal repercussions; e. To respect anonymity and prevent transaction obfuscation; f. and to protect, uphold, and empower individual human dignity and equality regardless of race, color, gender, language, religion, political or other opinion, national or social origin, property, and birth or other status. User Growth and Acquisition Change Coin is an ERC 20 token with a total supply of 200,000,000 CNG. Out of the 200,000,000 CNG, Blockchain for Change will use 78,480,000 Change Coins in the Fummi Ecosystem to reward the Early Adopters. The Early adopters will get rewarded with 30 Change Coins each to drive user acquisition, a referral model will enable users to refer friends to receive a smart phone and receive additional Change Coins. Partnerships are another key avenue for user growth and retention. We will leverage existing and future partnerships along with customized referral models to maximize user growth. Change Protocol The Change Protocol is the economic cycle which enables 78,480,000 Change Coins to flow through a continuous loop within its ecosystem, driving the underlying value of the ecosystem and services on the platform. The Change Coin flows through the system from the monetary supply account to the users, service providers and then back out to the monetary supply account. The inflows and outflows are adjusted by the monetary supply account, and can be influenced accordingly. Ethereum ERC 20 token Purchase Methods: ETH, BTC, USD Total Token Supply: 200,000,000 Sale Goal Minimum Raise: $5,000, USD Goal: $50,000, USD Users (Airdrop) Percent of total: 39.24% CNG: 78,480,000 CNG/user: 30 Token Breakdown Percentage Token Users (Airdrop) 39.24% 78,480,000 Sale 36.76% 73,520,000 Advisors 7.00% 14,000,000 Team 6.00% 12,000,000 Ambassadors 4.00% 8,000,000 Bounty Program 3.00% 6,000,000 Development 3.00% 6,000,000 Legal 1.00% 2,000,000 Total % 200,000,000 Distribution Roadmap Figure 2: Use of Funds Figure 3: Five stages of distribution
8 BCC Whitepaper 7 5. Market Opportunity for Growth Scope Smartphones have gained widespread adoption in our globalized society. Unlike other technologies, this adoption has transcended socio-economic and demographic divides. This democratization of technology has the potential to radically reshape the landscape of financial services, digital identity and social impact. Fummi is uniquely positioned to coordinate a cooperative purchasing marketplace that can leverage the smartphone accessibility to provide services to the underserved and underbanked. Blockchain for Change can do this through its relationships within government, wireless network providers, nonprofits and financial sector companies, Fummi incentivizes user adoption with Change Coin, free smartphones and reduced cost of services in the application. In addition to these, users enjoy the security, safe storage of cash and encrypted digital identity protected on a distributed ledger. In order to access these services, a user must have successfully been verified through Change Pass. Our launch aims to primarily empower underserved and low-income individuals that benefit from and interact with service providers on our network. Looking ahead, our user acquisition will grow to target the underbanked, and finally, the mass market. By going bottom-up, we will enter the market and scale upwards, as our platform matures. Our initial distribution combines outreach via service organizations, direct marketing, and carrier distribution. Figure 4: Market opportunity for growth Do you have questions about our service provider network? Check our our partnerships on our website. Differentiation Business Competitors The digital identity landscape as we know it is has these main participants: Banqu, Civic, Cove, Humaniq, and Indy. Below is a breakdown of unique implementations of blockchain-enabled identities for each of these organizations.
9 BCC Whitepaper 8 Commercial Banking Figure 5: Differentiation model Although technology has already reached the forefront of the banking industry, a huge percentage of Americans still don t have their own bank accounts. One in nine households is without a checking account. And almost 1 one-third of the population is underbanked lacking the full range of basic financial services. Most of the underserved and underprivileged do not utilize commercial banking services for a wide array of reasons. The structure of the commercial banking system incentivizes banks to focus on and pursue customers who will generate the highest revenue for said banks in the future. Therefore, they primarily prey on individuals likely to succumb and subscribe to expensive services. In addition, many low-income individuals work long, arduous hours and live from paycheck to paycheck. With little to no time to take advantage of traditional banking hours and the dearth of branches present in low income neighborhoods, the mistrust of commercial banks seems unequivocal. Furthermore, the fees associated with the minimal balance incurring charges and check cashing services (typical methods of payment for smaller contractual jobs) simply further propagate the lack of trust in commercial banks, especially among recent immigrants. When all of the aforementioned is coupled with the simple lack of financial understanding and education, it appears as though all hope is lost. Blockchain for Change will be able to ease and overcome these fees and obstacles by ensuring a near zero cost for users on the Fummi Marketplace. Government Services The current government ID systems are clearly not equipped to deal with those who are already outside of the system. The following list includes some of the blockchain initiatives currently run by the United States government: Delaware is running a Delaware Blockchain Initiative, a groundbreaking new project seeking to clarify the State s law and welcome the blockchain industry into the state. Illinois Illinois Blockchain Initiative (IBI) is moving ahead on five use cases to determine how industry and government can work together to improve government services. Government services on the blockchain are nascent, exploratory and open to molding. The Blockchain for Change team is in talks with a number of local governments to run pilot programs centered around identity and financial inclusion. 1
10 BCC Whitepaper 9 6. Team Leadership Team Strategic Advisors
11 BCC Whitepaper Key Terms Airdrop : A method of distributing cryptocurrency amongst a population. Blockchain : A transparent, digital ledger shared by all nodes participating in a network. It can be accessed and scrutinised at anytime by anyone. Every transaction is recorded into the blockchain in files called blocks. Each block represents some or all of the most recent transactions that have not yet been recorded in any previous blocks. Blockchain for Change (BCC) : A technology company at the nexus of digital identity, community and financial inclusion. BCC builds transparent and accountable solutions for social impact on top of a blockchain-agnostic marketplace. The core of our service is a new system powering verified, autonomous, and sovereign identity. Fummi application : The first product of BCC. A a cooperative purchasing marketplace on the blockchain that connects and allows for secure transactions and interaction between service providers and users. User: Individuals who use the Fummi application to create a SmartID in order to interact and transact in the Fummi marketplace of various service providers. Service provider : A non-profit, private, public, or government organization that exists to provide some form of assistance, merchandise, or product such as food, temporary housing or other assistance services to Fummi users. Fummi SmartID : A proprietary protocol for enabling a certified authority to verify identity on the blockchain. This protocol provides users access to the Fummi marketplace. Fummi SmartWallet : Users secure and protected record of accountability and transaction history. Change Pass : The underlying algorithm of the Fummi SmartID. Change Pass verifies a user s access to the Fummi marketplace and enables secure transactions and safe storage for money. The protocol then enables a sovereign ID-holder to determine with whom information is shared inside a marketplace ecosystem. ERC 20 token ( token ) : The ERC 20 token is a standard token protocol built on top of the ethereum network. Change Coin : Forms the utility for the ecosystem on the Fummi Marketplace. Change Score : An aggregate score based on the history of financial transaction of each individual user on the Fummi Application, intended in the long term to function as an alternative credit history.
PDX COIN.
PDX COIN www.petrodollars.io www.pdxcoin.io DISCLOSURE STATEMENT The following presentation contains forward looking statements that may reflect our plans, estimates, and beliefs. Such forward looking
More informationPDX COIN
PDX COIN WWW.PDXCOIN.IO DISCLOSURE STATEMENT The following presentation contains forward looking statements that may reflect our plans, estimates, and beliefs. Such forward looking statements are dependent
More informationPowering the future of blockchain application payments
Powering the future of blockchain application payments Statements made in this document are of our own personal opinions and may not reflect opinions of others 1 Story $400B+ of digital liquid currency
More informationAn Incentivization Platform Built For Community Building And Content Sharing On Blockchain. Version 2.0
An Incentivization Platform Built For Community Building And Content Sharing On Blockchain Version 2.0 Problem The growing power of centralized digital platforms has created problems for user and advertisers
More informationDecentralized Fiat & Crypto. Point of Sale Systems WHITE PAPER 1.0
WHITE PAPER 1.0 Decentralized Fiat & Crypto Point of Sale Systems support@mimicoin.me Please Note: This is not a securities offering and we do not offer this token sale to citizens or residents of United
More informationICO BASICS. RedCab LLC. Frequently Asked Questions (FAQs) Website: ICO Website What is an ICO?
RedCab LLC. Frequently Asked Questions (FAQs) Website: https://redcab.co ICO Website https://redcab.io ICO BASICS 1.1 What is an ICO? An initial coin offering (ICO), also known as a digital token sale
More informationHub. Human Trust Protocol. An introduction
Hub Human Trust Protocol An introduction What s Wrong With Trust on the Internet? The Internet has dramatically increased the number of people who users can interact with, but it has not done much to help
More informationProfytPro ICO CONTENTS
1 ProfytPro ICO CONTENTS ProfytPro ICO CONTENTS... 2 INTRODUCTION... 4 WHAT IS ProfytPro (PFTC) PLATFORM... 5 CORE OBJECTIVES... 6 ADVANTAGES OF BLOCKCHAIN... 7 WHY WE DO TOKEN SALE... 8 TOKEN FUNCTIONS
More informationPrepared by Influ Token. Revision 1.0
1 I N F L U W H I T E T O K E N P A P E R Prepared by Influ Token. Revision 1.0 Table of content 2 Disclaimer...3 Abstract...4 Problem...5 Influ Token...6 Mission...7 InfluWay...8 - InfluWay...9 - Reatil...
More informationBlocSide ICO FAQ March 2018
BlocSide ICO FAQ March 2018 BlocSide ICO 1. Why is BlocSide doing an ICO? Initial coin offerings (also known as token sales or token origination events) enable purchasers from multiple socio-economic backgrounds
More informationCryptoCarbon (CCRB):
CryptoCarbon (CCRB): A NEW TYPE OF CRYPTOCURRENCY WHITEPAPER - FEBRUARY 2018 Contact Information: CRYPTOCARBON GLOBAL LTD info@cryptocarbon.co.uk Table of Contents 1. ABSTRACT 2. INTRODUCTION 3. CRYPTOCARBON
More informationNILECOIN. WhitePaper
1 NILECOIN WhitePaper December 08, 2017 OVERVIEW OF NILECOIN NILECOIN (NIL) is a digital currency developed in the form of open-source software (OSS). Nilecoin operates on a peer-to-peer network protocol
More informationDisclaimer 3 Introduction 4
Disclaimer 3 Introduction 4 USDC: A Digital Coin that Equals USD 4 How Blockchain Changed The Financial Landscape 5 Price Guarantee Plan 6 Token Sale 8 Discounted USDC for ICO 9 Why our token sale is beneficial
More informationCryptoCarbon (CCRB):
CryptoCarbon (CCRB): A NEW TYPE OF CRYPTOCURRENCY WHITEPAPER - FEBRUARY 201 8 Contact Information: CRYPTOCARBON info@cryptocarbon.co.uk Table of Contents 1. ABSTRACT 2. INTRODUCTION 3. CRYPTOCARBON (CCRB)
More informationTHE NEXT GENERATION CRYPTOCURRENCY REVOLUTION
1. About Us "Anteros Coin" is a Digital Currency that will be Launched and Introduced in 2018. This currency is just as good as Fiat, But only Available in the Digital World. "Anteros coin" Describes how
More informationHOUTON TOKEN WHITE PAPER
HOUTON TOKEN WHITE PAPER W W W. H O U T O N. I N F O 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. Abstract Introduction Our Vision Problems and Our Solution Technical Distribution Wallet Roadmap Conclusion Disclaimer
More informationDECENTRALIZED AUTONOMOUS ORGANIZATION FOR DIGITAL NOMADS NOMAD DAO
NOMAD DAO The World's First Decentralized Autonomous Organization for Digital Nomads and the Global Remote Workforce that exists solely on the Blockchain. The remote worker phenomenon has exploded in the
More informationAGRICOIN (AGC) ACCELERATE FARMING ECOSYSTEM WHITE PAPER
AGRICOIN (AGC) to create a new ecosystem for the agribusiness and related industries by incorporating customized smart farming practices, the internet of things, and limitless possibility of other blockchain
More informationObirum WHITEPAPER. Version 2.1.1
Obirum WHITEPAPER Version 2.1.1 Obirum White paper is a living document. We are constantly upgrading our white paper to answer all your questions and provide all information you could possibly need before
More informationContent. Abstract 3 Background 4 Problem 4 Solutions 5 What is Wrappy? 5 Token Distribution 8 Future Vision 8 Known Limitations 9
1 Content Abstract 3 Background 4 Problem 4 Solutions 5 What is Wrappy? 5 Token Distribution 8 Future Vision 8 Known Limitations 9 2 Abstract We currently are living in the age of information. In today
More informationOLXA COIN WHITE PAPER DECENTRALIZED APPLICATIONS AND CROWD-PROJECTS THROUGH THE BLOCKCHAIN TECHNOLOGY.
OLXA COIN WHITE PAPER DECENTRALIZED APPLICATIONS AND CROWD-PROJECTS THROUGH THE BLOCKCHAIN TECHNOLOGY www.olxacoin.com info@olxacoin.com Table of Contents 1 Introduction 1.1 Introduction to BitCoin and
More informationAccepting VeganCoin. Benefits for your business
Accepting VeganCoin Benefits for your business Join VeganNation s global ecosystem by accepting the VCN cryptocurrency, or VeganCoin, as a form of payment for your customers to use. By doing so, you will
More informationINCENTIVIZED MOBILE ADS AND GAME MONETIZATION
INCENTIVIZED MOBILE ADS AND GAME MONETIZATION Platform built using blockchain technology Publish Date: Jan-31-2019 Version: 1.0 WHITEPAPER 1 TABLE OF CONTENTS Project Introduction... 3 Abstract... 3 The
More informationCorporate Presentation. Author: DIMPAY Foundation
Corporate Presentation Author: DIMPAY Foundation Table of Contents Table of Contents What is DIMPAY? 01 DIMPAY Foundation 02 DIMPAY Features 04 DIMPAY ICO 06 ICO Funds 08 DEPOTWALLET 10 DIMPAY Applications
More informatione-government in Rwanda
Extend your Reach. CASE STUDY e-government in Rwanda The N-Frnds platform enables governments in emerging markets to provide digital services accessible to all citizens, whoever and wherever they are.
More informationOLYMPIC COIN IT CHANGES EVERYTHING
OLYMPIC COIN IT CHANGES EVERYTHING 1 Whitepaper Table of Contents Table of Contents...2 Introduction 3 Olympic Coin.4 POS/MN based cryptoccurency....4 Why Olympic Coin 4 Proof of Stake.5 Masternodes 5
More informationOverview - Short Version Whitepaper
Overview - Short Version Whitepaper Blockchain technology has paved way for a new era of value transfer. It has become the most reliable, fast and open source of exchange in the financial industry. However,
More informationGoshenCoin 2.0 Do Business The Smarter Way
GoshenCoin 2.0 Do Business The Smarter Way Contents 1. Introduction 2. Market Overview 3. Value Proposition 4. Blockchain Technology 5. Smart Contracts 6. Decentralized Apps (DApps) 7. GoshenCoin History
More informationIgnition Coin and The Ignition Network
Ignition Coin and The Ignition Network Engineered for Value, Sustainability, and Growth Learn more at https://ignitioncoin.org - The Ignition Coin Project ::Introduction:: The Ignition Network and its
More informationMEGAMALL COIN WHITE PAPER
MEGAMALL COIN WHITE PAPER May 2018 Summary Introduction... 2 Problem definition... 2 Solution proposal... 2 Introduction to MEGAMALL Coin... 2 Smart Contracts... 3 What Are Blockchains?... 3 What Is a
More informationFSMN: A Payment Gateway and Merchant Settlement Services for Instant, Secured Global Payments
FSMN: A Payment Gateway and Merchant Settlement Services for Instant, Secured Global Payments Abstract FSMN is a cryptography-based digital coin and payment gateway introduced to the market in 2018 to
More informationGlobal BTC-Green. Ecological Community in the Green Planet
Global BTC-Green Ecological Community in the Green Planet Introduction BTC-Green is a cryptocurrency and a modern digital payment system, it s invented to serve for the large group of community that is
More informationBlockchain platform for freelancers
Blockchain platform for freelancers CONTENT Description 3 Introduction 4 PoS algorithm 6 Masternodes 7 Flex Work Ecosystem 8 Prospects 9 Flex Work Features 10 Flex Work Advantages 11 Flex Work Coin Data
More informationNASGO STAY FREE WITH US
NASGO STAY FREE WITH US CRYPTO-ECONOMY TO CONTRIBUTE 10% TO THE GLOBAL GDP BY 2022! Over half a billion people are aware of cryptocurrencies More than 50 million have interacted with cryptocurrencies Over
More informationFSG workshop. Introduction: R3. Prepared by R3 for Asian Development Bank. 28 April 2017
FSG workshop Introduction: R3 Prepared by R3 for Asian Development Bank 28 April 2017 About R3 The R3 consortium is the world s largest alliance committed to delivering the next generation of financial
More informationIgnition Coin and The Ignition Network Engineered for Value, Sustainability, and Growth
Ignition Coin and The Ignition Network Engineered for Value, Sustainability, and Growth Learn more at https://ignitioncoin.org - The Ignition Coin Project :: Introduction:: The Ignition Network and its
More informationCMC COINS CMC COINS. 11 November, W H I T E P A P E R v W H I T E P A P E R v CMC COINS ICO WHITEPAPER v1.
CMC COINS W H I T E P A P E R v 1. 0 CMC COINS W H I T E P A P E R v 1. 0 11 November, 2018. CMC COINS ICO WHITEPAPER v1.0 Page 1 TABLE OF CONTENTS Abstract 3 Introduction 4 Statement of the problem 5
More informationIntegrative Wallet. Whitepaper. An electronic version of this whitepaper is available at iwtoken.com.
Integrative Wallet Whitepaper An electronic version of this whitepaper is available at iwtoken.com. Contents 1 Introduction 1 1.1 Background............................................ 1 1.2 Our objective...........................................
More informationDe-centralized Currency on blockchain technology. Open Source. Community run and maintained.
De-centralized Currency on blockchain technology. Open Source. Community run and maintained. DISCLAIMER PLEASE NOTE THAT THIS DOCUMENT IS NOT A PROSPECTUS. IT WAS CONSTITUTED FOR INFORMATIONAL PURPOSES
More informationTCOIN TCN B ANK TRADE BY TRADE WHITEPAPER VERSION 0.2
TCOIN TCN WHITEPAPER VERSION 0.2 B ANK TRADE BY TRADE Index Pages Overview 4 Our Vision 5 What is TCOIN TCN? 6 Why invest in Tcoin TCN? 8 Cryptocurrency 8 TCoin TCN Specifications 9 TCoin Masternode Development
More informationShould a Central Bank consider replacing all physical cash with a digital or should both forms of money be allowed to co-exist?
Introduction Since 2010 Zeva, Inc. has worked closely with leaders in finance, cyber security experts, and open source communities across international borders to research widespread changes in global
More informationWHITE PAPER. The First Decentralized Second-Hand Market Platform. Version 1.0
WHITE PAPER The First Decentralized Second-Hand Market Platform http://jlinkcoin.com/ Version 1.0 Abstract. In the existing second-hand market, there have been quite a number of unreliable sellers. This
More informationBusiness to Business Payment and Financial Supply Chain Network built on blockchain
2 TradeFin Network is a Business to Business Payment and Financial Supply Chain Network built on blockchain. Similar to how Visa and Mastercard make B2C payments and credits ubiquitous, secure and frictionless,
More informationWhitepaper. Abstract. Introduction
Whitepaper Proxy Ethereum for Everyone We do not offer securities or a collective investment scheme. You are advised to read this document carefully in full, and perform due diligence. According to the
More information01 WHAT IS BBNCOIN? * PoW - Proof of Work
O N E P A P E R CONTENTS 01 WHAT IS BBNCOIN? 02 VALUE OF BBNCOIN 03 VISION 04 HOW DOES BBNCOIN WORK? 05 BBNCOIN USE CASE 06 TECHNOLOGY 07 ICO OWNERSHIP 08 WHY SHOULD SOMEONE LIKE YOU BE INTERESTED? 09
More informationAddressing gaps in the traditional Banking model in SEA
1 THE OPPORTUNITY FOR FINTECH Addressing gaps in the traditional Banking model in SEA Supriya Sen Senior Advisor, McKinsey Brunei Darussalam 8 April 2018 2 Contents Problem: The size of the financial inclusion
More informationBitcoin Growth Bot Whitepaper
Bitcoin Growth Bot Whitepaper Nucleus Coin Jordan Lindsey, Founder, CEO September 29, 2017 Index of contents Abstract... 2 Background...... 3 The Bitcoin Trading Bot Algorithm. 3 What is Nucleus Coin?....
More information1 W H I T E P A P E R
W H I T E P A P E R 1 2 DISCLAIMER This white paper shall not and cannot be considered as an invitation to enter into an investment. It does not constitute or relate in any way nor should it be considered
More information5 ways blockchain is transforming Financial Services
5 ways blockchain is transforming Financial Services Introduction The Financial Services industry is fundamentally about facilitating the trusted exchange of value between multiple, untrusting parties.
More informationCoinyspace White Paper
Coinyspace White Paper Draft 0.1 Our mission is to become the go-to platform for all existing cryptocurrency users and the main gateway for the new adopters. We believe that cryptocurrencies will eventually
More informationetcetera EXECUTIVE SUMMARY
etcetera EXECUTIVE SUMMARY There have been many different attempts to increase adoption of cryptocurrencies by the general public. Some more successful than others. The most important challenges are availability,
More informationA Decentralized Online Marketplace Powered by: Facebucks Token
A Decentralized Online Marketplace Powered by: Facebucks Token Whitepaper V.1 2018 EXECUTIVE SUMMARY The global freelance services marketplace is in a state of both expansion and consolidation. More buyers
More informationEN LINE TOKEN ECONOMY white paper ver.1.2
EN LINE TOKEN ECONOMY white paper ver.1.2 2 Contents Important Notice 3 01 LINE and Blockchain 4 02 The LINK Ecosystem Ecosystem Principles Ecosystem Participants 5 5 5 03 Token Economy LINK Overview Token
More information1. About CryptoBite Coin... 3
1. About CryptoBite Coin... 3 2. Technical Specification....4 3. The CryptoBite Crypto Community... 5 4. CryptoBite Earning Packages... 6 5. CryptoBite USB Wallet... 7 6. CryptoBite Payment gateway...
More informationEXECUTIVE SUMMARY KEEP COIN SERUCITY LLC
2017 EXECUTIVE SUMMARY KEEP COIN SERUCITY LLC CONTENTS Summary... 2 Timing... 3 KEEP Coin... 5 Funding... 5 Conclusion...10 Road Map...11 Works Cited...12 Copyright Serucity LLC pg. 1 Summary Serucity
More informationEN LINE TOKEN ECONOMY white paper ver.1.3
EN LINE TOKEN ECONOMY white paper ver.1.3 2 Contents Important Notice 3 01 LINE and Blockchain 4 02 The LINK Ecosystem Ecosystem Principles Ecosystem Participants 5 5 5 03 Token Economy LINK Overview Token
More informationSWISSCOIN Whitepaper
SWISSCOIN Whitepaper Revision 0.1 Abstract. January 3, 2009 has marked the beginning of a new era of globalisation and world interconnection: the first Bitcoin transaction 1 has occurred. Satoshi Nakamoto
More informationA decentralized reputation and payment system for P2P marketplaces
A decentralized reputation and payment system for P2P marketplaces Listia Inc. Ink Whitepaper, Public Draft v3 - November 14, 2017 1 Summary Ink is developed by Listia, a P2P marketplace for buying and
More informationDREAM BIT DREAM BIT (MAB) THE FUTURE OF CURRENCY GLOBAL WALLET, DIGITAL CASH
(MAB) THE FUTURE OF CURRENCY 0 MAB The Future of Currency 1 1. ABSTRACT In recent years, mobile shopping has been on the rise. The worldwide mobile payment revenue in 2015 was 450 billion U.S. dollars
More informationMoney Back Coin [MNBK] Whitepaper 2018 ProjectMoneyBack.org
Money Back Coin [MNBK] Whitepaper 2018 ProjectMoneyBack.org Contents Introduction... 4 Definitions... 5 Project Money Back... 6 Phase One... 6 Phase Two... 7 Phase Three... 7 Phase Four... 8 Coin Details...
More informationSAHARACHAIN: AI-DRIVEN CRYPTOCURRENCY EXCHANGE AND PAYMENT GATEWAY WHITEPAPER
SAHARACHAIN: AI-DRIVEN CRYPTOCURRENCY EXCHANGE AND PAYMENT GATEWAY WHITEPAPER 1 CONTENTS 2 Introduction... 3 3 Problem & Opportunity... 3 4 Localization & Language support... 3 5 SaharaChain Ecosystem...
More informationCONTENT 1. Legal Disclaimer 2. About the Company Mission II. Vision III. Problem Statement IV. Solution
QURALT WHITEPAPER 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
More informationTable of Contents ABSTRACT... 1 INTRODUCTION... 2 NRP TOKEN FUNCTION... 2 MAIN PAYMENT FOR TRANSACTION IN MARKET PLACE... 2
Table of Contents ABSTRACT... 1 INTRODUCTION... 2 NRP TOKEN FUNCTION... 2 MAIN PAYMENT FOR TRANSACTION IN MARKET PLACE... 2 CRYPTOCURRENCY IN TRADE.. 3 ALTERNATIVE TO FLAT MONEY.... 3 PROBLEM...4 SOLUTION...
More informationNew business models and revenue streams with blockchain
New business models and revenue streams with blockchain Andrew Anderson CEO Block Angel / Co-CEO Jarvis B2B Media Cloud and Blockchain Forum 2018 About me: Have worked as a professional money manager Hold
More informationCognizanti. Customer Centricity through Collaboration: Mizuho s Path to Digital. Banking & Financial Services VOLUME
Cognizanti VOLUME 11 2018 Banking & Financial Services Customer Centricity through Collaboration: Mizuho s Path to Digital Banking & Financial Services Customer Centricity through Collaboration: Mizuho
More informationTABLE OF CONTENTS. 3 Disclosure. 4 What is Feast Coin? 4. Brief Overview. 4. Special Features of Feast Coin (FSC) 4. User Benefits of Feast Coin
TABLE OF CONTENTS 3 Disclosure 4 What is Feast Coin? 4. Brief Overview 4. Special Features of Feast Coin (FSC) 4. User Benefits of Feast Coin 5. Vendor Benefits of Feast Coin 5. Work It Works 5. Service
More informationDONCOIN (DCNX) Whitepaper
DONCOIN (DCNX) Whitepaper 1 WHAT IS DONCOIN (DCNX)? Every Cryptocurrency that emerges is like a company which emerges to solve a pending world problem by proffering a lasting solution and raising funds
More informationOverview.
Overview Now, I would like to talk to you about ORC Tokens. Simply put, with ORC Tokens, you can establish encrypted payment options for companies all over the world. This enables our company to combine
More informationBiQ Crowd Sale Memorandum Issued: Aug 30,
BiQ Crowd Sale Memorandum Issued: Aug 30, 2017 www.burstiq.com INTRODUCTION Over the last decade, society has witnessed an explosion of health-related technology, from personal health trackers to low-cost
More informationThe Crypto Advertising Platform & Vendicoin token system
The Crypto Advertising Platform & Vendicoin token system Version 1.0 1.1.2018 DISCLAIMER OF LIABILITY The purpose of this White Paper is to present Vendio, the crypto advertising platform, and VendiCoin
More informationWHITEPAPER OF THE BORSABIT COIN
WHITEPAPER OF THE BORSABIT COIN EFLATUN SOFTWARE 30.07.2018 Intro Cryptocurrencies has been one of the hottest topic of 2017 as Bitcoin, Ethereum and other hundreds of alternative coins in existence attracting
More informationTokenized Hardware: The New Crypto Innovation
Tokenized Hardware: The New Crypto Innovation Jollen Chen 1 and Eric Pan 2 1 Flowchain Open Source Project, Devify Inc. jollen@flowchain.io 2 Seeed Technology Co.,Ltd. ep@seeed.cc February 2, 2018 Abstract.
More informationPage1.
Page1 Introduction Started from a community, ICO became a very popular thing for the founders and makers of cryptocurrency in introducing and raising funds to support the operation and promotion of cryptocurrency
More informationBZX. Whitepaper. Contents. Version 2.0. Introduction. Bitcoin Zero s Eco Framework. Zerocoin Protocol. Technical Details.
BZX Whitepaper Version 2.0 Contents Introduction s Eco Framework Protocol Technical Details Commercialisation The Road Ahead Introduction In 2009 a new era was born. An era of creation. An era of change.
More informationQuantum Coins its Power of CryptoCurrency
White Paper TABLE OF CONTENTS Introduction... 1 Our Vision.... 2 Our Mission.. 3 Initial Coin Offering (ICO)... 4 Services To Be Offered... 5 Airdrop and Rewards. 6 Virtual World Gaming.... 7 Coins Distribution
More informationAACTION Internet of Rewards
A Internet of Rewards : INTRODUCTION 3 t- The Nxt Blockchain j- Nxt 2.0: Ardor - The Internet of Rewards (3) (3) ( 4) 1 \ TOKEN ARCHITECTURE FRAMEWORK 6 - - ACTN Token - I I - - I - Definition How it
More informationAbstract. Definitions. the common environment of all the applications and products in it available.
Abstract Definitions Enkronos Apps ico.enkronos.com The platform that constitutes the common environment of all the applications and products in it available. EnkronosTokens (ENK) apps.enkronos.com (Also
More informationRookie Coin White Paper THE COIN FOR FAIR ADVERTISEMENT MARKET SHINJI, DAVID CHO
2018 Rookie Coin White Paper THE COIN FOR FAIR ADVERTISEMENT MARKET SHINJI, DAVID CHO Table of Contents 1. Introduction 1 1.1. Online advertising market fraud 1 1.2. Mission of Rookie Block 2 2. Alternative
More informationPERFORMANCE REPORT 1
PERFORMANCE REPORT 1 CONTENT I. SUMMARY 1 1) WHAT IS ODYSSEY(OCN) PROTOCOL? 1 2) DETAILS 2 - General information 2 3) Exchange Markets ODYSSEY (OCN) has been listed on 2 II. ODYSSEY (OCN) PROTOCOL FOUNDATION
More informationShareel Whitepaper V.1.2
Shareel Whitepaper V.1.2 Table of content 1. Introduction 2. Why Invest in Shareel? 3. Shareel Investment Opportunities Social Media Syndication Lending To Miners Mining (Proof-of-Stake) 4. Trading 5.
More informationDecentralized Influencer Organization. White Paper
Decentralized Influencer Organization White Paper Overview 3 Project Glossaries 3 Why DIFO 3 Influencer Market Issues 4 Centralised Social Media Platform Owns Influencer s content 4 The Content Distribution
More informationOPIRIA & PDATA TOKEN Summary
OPIRIA & PDATA TOKEN Summary Opiria-Platform and PDATA Token are creating a global decentralized marketplace for the secure and transparent buying and selling of. Companies worldwide desperately need from
More informationSikka A digital asset transfer platform designed for the financially marginalized.
Sikka A digital asset transfer platform designed for the financially marginalized. Jefferson Scott Davis, Kuldeep Bandhu Aryal, Sandesh Pandey and Saujanya Acharya www.sikka.me 1 2 Overview Sikka is a
More informationCase Study. How Gemalto s Trust ID Network is revolutionizing self-sovereign digital identities by leveraging R3 s Corda blockchain platform
Case Study How Gemalto s Trust Network is revolutionizing self-sovereign digital identities by leveraging R3 s Corda blockchain platform Traditional know-your-customer (KYC) processes are costly, complex
More informationReceiptCoin v0.3.1 ReceiptCoin.io Nick Juntilla. Abstract
ReceiptCoin v0.3.1 ReceiptCoin.io Nick Juntilla Abstract The Problem In order to accurately track tangible goods across discrete systems, multiple data formats stored in multiple locations is required;
More informationzmint Blockchain Introduction
zmint Blockchain Introduction https://zmint.co Recorded November 2017 Introduction for Beginners We are going to introduce you to some new words, and try to make it simple When the Internet was first released
More informationSelf-Sovereign Identity
Self-Sovereign Identity Blockpass offers Compliance through verified Identity thomas.leiritz@blockpass.org CTO www.blockpass.org @blockpassorg Establishing Self-Sovereign Identity (SSI) Moving from Web
More informationDNAtix - Tokenomics. Following is DNAtix Tokenomics document which outline the entire process and usage of the DNAtix Token (DNTX).
DNAtix - Tokenomics Written by: Ofer A. Lidsky DNAtix CEO v0.1 23/02/2018 Following is DNAtix Tokenomics document which outline the entire process and usage of the DNAtix Token (DNTX). 2017-2018 DNAtix
More informationShaping the future. Light Paper
Shaping the future A revolutionary platform, which: Combines more than 50 years world top scientific and business experience in agriculture Unites all the players of agroindustry Ensures highest possible
More informationDecentralize everything!
Decentralize everything! The block chain as a vehicle for decentralization Routes to block chain integration What can we decentralize? When is decentralization a good idea? 1 The block chain as a vehicle
More informationOpen Global Trade Digitization Platform
Open Global Trade Digitization Platform G20 Global Trade Infrastructure Connectivity Alliance 25th January 2018: OECD Conference Centre, Paris January 2018 OVERVIEW should be construed in any way as a
More informationIdentity Now. The Vital Role Telecommunications Companies Play and the Tremendous Opportunity in Evolving Identity Ecosystems
Identity Now The Vital Role Telecommunications Companies Play and the Tremendous Opportunity in Evolving Identity Ecosystems Few organizations have played as vital a role in reshaping our daily lives in
More informationShaping the future. Light Paper
Shaping the future A revolutionary platform, which: Combines more than 50 years world top scientific and business experience in agriculture Unites all the players of agroindustry Ensures highest possible
More informationFirst targeted advertisement database on blockchain DATO
First targeted advertisement database on blockchain DATO Content I.INTRODUCTION 3 II.PROBLEMS OF TARGETING AUDIENCE FOR ADVERTISEMENT 4 III.SOLUTIONS 5 IV. MARKET OPPORTUNITIES 6 V. BLOCKCHAIN TECHNOLOGY
More informationEnterprise Blockchain Solutions
Enterprise Blockchain Solutions Dubai will be the first government in the world to execute all its transactions using Blockchain technology by 2020. His Highness, Sheikh Hamdan Bin Mohammed Bin Rashid
More informationRupaya Platform White Paper World-class cryptocurrency platform designed for South Asia
Rupaya Platform White Paper World-class cryptocurrency platform designed for South Asia Released May 23, 2018 Revised May 24, 2018 Table of Contents Forward Looking Statements.... 3 Abstract.... 3 Overview....
More informationPinkDate Escorting Platform
WHITEPAPER / PAGE 1 JANUARY 2018 PinkDate Escorting Platform Whitepaper v1.4 Table of Contents Executive Summary... 3 General Overview... 4 The Escorting Market Space... 6 The PinkDate Escorting Platform...
More informationIntroduction. What is Cryptocurrency?
Table of Contents 1. Introduction 1.1. Cryptocurrency 1.2. ERC20 Standard 1.3. P2P Networks 2. Adverx (AVX) 2.1. Token Specifications 2.2. Token Allocation 3. Real-time bidding (RTB) 3.1. How RTB works
More informationSirius is a next-generation smart blockchain based on Qtum with a consensus algorithm from the Proof-of-Stake family.
getsirius.io SUMMARY Sirius is a next-generation smart blockchain based on Qtum with a consensus algorithm from the Proof-of-Stake family. To encourage developer participation, Sirius is distributed for
More informationPinkDate Escorting Platform
JANUARY 2018 PinkDate Escorting Platform Whitepaper v1.3 Table of Contents Executive Summary... 3 General Overview... 4 The Escorting Market Space... 6 The PinkDate Escorting Platform... 7 Why PinkDate?...
More information