A service-focused, knowledge-sharing business platform with decentralized, crypto-enabled marketplace

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1 A service-focused, knowledge-sharing business platform with decentralized, crypto-enabled marketplace Release date: Last updated: Version: 1.7

2 1 1. ABSTRACT MISSION STATEMENT VISION PROBLEM CUSTOMER SIDE PROVIDER SIDE OPPORTY FOR CUSTOMERS AND SERVICE PROVIDERS OPPORTY REQUESTS OFFERS RESPONSES KNOWLEDGE-SHARING SYSTEM OPPORTY MARKETPLACE MARKETPLACE MODEL MARKETPLACE STANDARDS INVOICES ESCROW CENTRALIZED ESCROW OPPORTY S DECENTRALIZED ESCROW DAO GAMIFICATION AI & CHATBOTS CRYPTOCURRENCY & ICO TOKEN SALE STRUCTURE BUSINESS MODEL MONETIZATION CURRENCY PROFIT DISTRIBUTION MARKET MARKET SIZE COMPETITION STRATEGY QUESTIONS & ANSWERS ROADMAP PHASE I (STRONG VERTICAL) PHASE II (DAO) CURRENT STATUS CONCLUSION CORE TEAM CONTACTS... 47

3 2 1. ABSTRACT This white paper describes a service marketplace catering to small and medium sized businesses and individual service providers. It simplifies lead generation and B2B & B2C interactions through the administration of an offer/request ecosystem, support of blockchain-based, decentralized Escrow, and implementation of established rules and standards for doing business by means of smart contracts. Combining the benefits of on-demand economy and blockchain technology, Opporty introduces a crypto-powered marketplace for B2B and B2C commerce. Specifically, the platform enables new models of social and commercial engagement by providing opportunities to build a professional reputation through knowledge-sharing that enriches the community. Opporty s crypto functionality is powered by Ethereum, a blockchain-distributed computing platform. Blockchain-based gamification is at the core of Opporty s ecosystem. Users can purchase and earn cryptocurrency (OPP tokens) to access a variety of services on the Opporty platform. This paper delves into the following areas: Opporty s major services: offers, requests, responses; knowledge-sharing system and Q&A Cryptocurrency: tokens and gamification; smart contracts; Escrow; ICO Marketplace strategy: business model and market research

4 3 Requests Responses Offers Services Q&A Gamification Cryptocurrency Smart Contracts $ $ ICO Tokens Knowledge-Sharing Platform Business Model Marketplace Strategy Market Research 2. MISSION STATEMENT Our ultimate goal is to create a business-focused platform on the blockchain where company owners and individual service providers conduct business based on established standards and educate others through content. Taking the best of ondemand and blockchain, we strive to make Opporty a live business ecosystem that establishes trust between the parties by digitizing of multiple small business activities and providing a risk-free environment for doing business through decentralized Escrow and smart contracts. 3. VISION Our vision is to revolutionize the way small businesses and individual providers request and offer services, and conduct business as a whole. Utilizing the power of blockchain technology, we aim to create a world where companies use secure, resilient and immutable smart contracts that rival traditional transaction and payment systems offered by corporate financial institutions and establish trust between the contracting parties by default.

5 4 4. PROBLEM According to the US Small Business Administration, only 20% of businesses survive beyond the first year of operation. They fail to compete against established companies, attract early adopters and scale up their businesses to start driving profits. They lack reputation and trust, and are pressed to: Offer high-quality services at competitive rates (this frequently means that they have to operate at a deficit from the start) Minimize back-and-forth negotiations when requesting services from others Cut expenditures by improving business performance and reducing the need for intermediaries Create a constant stream of leads by appealing directly to targeted audiences Take advantage of the digital economy and cutting-edge technologies to survive when crisis hits The problem, however, is that only a small percent of small businesses can do so and survive. This is especially the case with service companies. There are multiple e-commerce platforms that can guarantee the delivery and quality of ordered products, but there is no platform that can guarantee the quality of services provided. As a result, customers do not trust new businesses on the market. The main problem Opporty seeks to solve is the problem of trust between parties doing service business, where any disputes can only be resolved in Civil Courts. We offer an alternative to this practice decentralized Escrow provided by verified experts CUSTOMER SIDE When customers need to order a service they: Research service providers on search engines Search for companies that provide the required service in directories and listings Access lead generation platforms to appeal directly to prospective providers Reach out to friends and relatives to ask for advice

6 5 However, this approach suffers from multiple disadvantages: Search results favor companies that command large budgets. Small business might not have the funds to optimize their sites for search engines, launch paid ad campaigns, or get featured in the media. Corporations benefit from commanding large marketing budgets, and frequently users are led to corporate websites when searching for a required service. However, corporations business model is adjusted to prioritize corporate clients, and they are not inclined to work with small businesses. Therefore, small business owners often avoid a search engine s first page, but researching pages that are displayed deeper in search is not a smart solution either. If a small business is buried in an overcrowded market, there may be multiple options to choose from, making service research on search engines fairly inefficient. Directories and listings are afflicted with similar issues. Although companies and service providers can be listed in any way by use of filters, ratings and reviews, which are frequently manipulated, are critical to the order in which they are listed. Corporate accounts are better rated and command a plethora of positive reviews. Yet, their aim is to attract corporate clients, not small businesses. Therefore, small business owners spend time reaching out to them with little chance of a positive outcome. Meanwhile, companies that are listed at the bottom and are in need of orders from small businesses remain unnoticed. Lead generation platforms increase lead cost. Although lead-gen sites allow for free request submissions, paid requests leads to prospective clients are their main source of income. Thus, the conversion cost for final vendors grows disproportionately. Additionally, many customers are just checking prices, and every lead is contested by several vendors. As a result, customers end up with the same companies they would have found on search engines.

7 6 Advice from friends and family may be the best option. Unfortunately, in many cases they have zero experience with the type of service a particular business needs. Moreover, they may reside in another neighborhood or state and know nothing about service providers in the targeted area. As appealing to search engines, directories and lead-gen platforms provides no guarantee that the right choice is made, small businesses are faced with the ongoing problem of locating high-quality service providers. Therefore, small business owners have to: Order an initial consultation for which they will most likely have to pay. Do their own research by making lists of blogs, looking through each blog, evaluating pros and cons of every company, and only then making a choice, taking up valuable time. Research communities where prospective service providers share their advice. This takes time, a scarce resource for most small business owners that adds to the cost of the deal. Sometimes the best deal" is not all that great when you factor in the time spent looking for it.

8 PROVIDER SIDE Service providers face challenges in building a solid base of customers. If they fail to build trust and attract prospects, they will suffer adverse financial issues and eventually go out of business. Creating a conversion funnel takes an enormous amount of effort and skill: Launching and running a business is an uphill struggle. It takes only a few hours to register a company, but learning to manage it is a complex task. Business owners have to coin a business model, implement management procedures, and approach the market from a digital marketing perspective. Exposing a business and its services to the community is complex. A business owner must engage in networking (contact influencers, participate in events, etc.) and reach out to respected media (send pitches and produce lots of content). Unless they manage to get their businesses noticed, they will fail to appeal to prospects. Reaching the target audience takes time (assuming limited funds to run paid ad campaigns). Appealing to prospects is problematic. Consumers have multiple service providers to choose from, and business owners have to catch their attention through SEO, content, authority management, and other means. Conversions are not guaranteed. Although small businesses might succeed in driving users and leads, chances are they will fail to convert them. Cost-efficient conversions are hard to master, as this process depends entirely on a business's ability to produce content, drive users to landing pages, and demonstrate a prospect s importance to the bottom line.

9 8 Therefore, service providers often choose to: Invest in SEO and PPC to secure SERPs Register with lead generation platforms to access a curated stream of leads (provided they resign themselves to a higher cost of leads and accept that corporations have advantages to offer stronger bids) Create a network of clients and influencers who vouch for their business (provided they are able to participate in multiple events and command a unique perspective on their services; otherwise, they will fail to get noticed by industry gurus) Create profiles in directories and listings that appeal to a wider range of customers (these profiles are displayed below top-rated, well-reviewed accounts) Reach out to professional and local communities (this takes time, effort and luck) Decentralized Community Flexible Terms and Affordable Prices Extensive Selection of Service Providers Extensive Base of Offers Escrow Judges customer Advanced Search Protection from Poor Quality Smart Contracts Escrow Procedure provider Bonuses and Rewards Self-expression Knowledge-Sharing System Gamification of Activities Cryptocurrency and Fiat Operations Huge Base of Leads Bonuses and Rewards A Self-Regulated Community of Experts

10 OPPORTY FOR CUSTOMERS AND SERVICE PROVIDERS Opporty offers both companies in need of services and providers of needed services an efficient way to find each other and solve their marketing-related problems. Utilizing the best features of lead-gen platforms, Opporty elevates its business model to a new level. Free responses to user requests. Once a provider is registered on Opporty, they acquire a monthly number of free responses. This allows recently registered users to compete with our established loyal customers. When a provider s free responses expire, they are able to purchase more with fiat, or to earn tokens by completing rewarding activities on the Opporty platform. Renewable rating. Opporty s ranking system is flexible. A user s ranking is influenced not only by stars, but also by their activities on the platform. Thus, recently registered users can quickly move their profiles up in rank by contributing to our knowledge-sharing system. By regularly refreshing ratings, the Opporty team creates fair conditions for every user. Genuine digital reputation. Many businesses manipulate their ratings by leaving fake reviews. It is time to put an end to this. Opporty has developed a complex system of reputation-building, based on behavior patterns and sealed on the blockchain. Rewards for activities. Users are encouraged to contribute content through Opporty s built-in gamification and rewards systems. Active contributors can increase their rating in Opporty search, and are nominated to become judging and voting members of the Opporty community, called Escrow arbitrators or standard designers (provided their expertise in their field of endeavor meets community expectations). Community of Experts. Once a company or individual service provider is registered, they become an integral part of Opporty s community, which allows for increasing awareness and exposure, building trust and authority among targeted audiences. Opporty enables businesses to facilitate purchases and sales, maximize lead-gen efficiency and

11 10 establish themselves as experts. With the help of Proof-of-Expertise, Opporty's ecosystem is able to distinguish the real gurus of any niche. PoE consists of three parameters: Domain recognition realworld licenses and certificates; proof of domain content written for Opporty s knowledge base and customers' questions answered in Q&A section; and Domain experience amount and quality of services provided on the Opporty platform. Self-regulation. With built-in Escrow functionality and the support of smart contracts, Opporty guarantees that every conflict between customers and service providers is resolved in an unbiased, professional manner. Opporty s selected team of independent experts (known as Escrow arbitrators) create standard rules for common services. Initially, Escrow arbitrators will be selected by Opporty administrators. As the Opporty professional community matures, judges will be chosen by the community itself (based on pre-approved voting rules). Only the bestrated experts will be allowed to become judges in the Escrow process. Protection from poor quality. Opporty is the first platform to offer decentralized Escrow provided by real experts, along with legally enforceable electronic agreements that can be executed automatically with the help of Oracles. Escrow procedure ensures that every customer receives the highest level of service. When a problem arises, it is resolved by a carefully selected group of Escrow arbitrators. Live business ecosystem. Opporty is not just another marketplace. Opporty is a decentralized platform with Digital democracy on board, providing creative freedom that stimulates robust growth. Imagine Wikipedia meets Alibaba! Multiple user interfaces. There are multiple ways to interact with Opporty's platform - via web, mobile app or by chatbot. We use the best UI/UX practices to onboard users and make their lives easier!

12 11 5. OPPORTY Opporty.com is a service-focused, blockchain-powered marketplace that offers unique lead generation and marketing opportunities to small and medium sized companies, targeting B2B and B2C sectors. The platform s key advantages include: Low initial costs of lead conversion Exposure to targeted audiences through content Rewards system that incentivizes users to contribute content to Opporty s knowledge-sharing platform, build their reputation, and earn tokens Outstanding customer protection through decentralized Escrow, which guarantees the ability to sell without a well-established reputation Escrow voting board selected with the help of Proof-of-Expertise operates on digital democracy principles. Experts who join Opporty s selected team of judges increase exposure and awareness about their brands Blockchain technology that enables smart contracts that potentially make their alteration or prohibition in Civil courts not financially viable Opporty cryptocurrency (OPP tokens) that allows users to purchase services with either fiat currency or tokens (or to convert tokens) The OPP token is protected against devaluation and liquidity. The value of issued tokens is supported by the growth of the Opporty community and the sheer number and cost of real-world services provided at the marketplace

13 12 Opporty s unique advantages become possible due to a unique business ecosystem that combines a user-friendly service marketplace with the power of blockchain, making for smart contracts, decentralized Escrow, and self-governed communities adhering to digital democracy principles. Opporty users can submit requests, create offers, leave responses, and contribute content in the most convenient digitized manner REQUESTS A request is a post-type message created by companies, service providers and regular users. Each request targets a particular audience in a particular area, aimed at soliciting proposals from vendors. A user who submits a request can compare all collected proposals and choose the one with the best terms. Requests resolve the trust and lack of exposure problems for recently registered businesses and service providers. Initially, they can respond to requests with competitive-term offers in order to build a reputation. All newly registered users are granted access to an unlimited number of requests, ensuring fair competition with previously registered users.

14 OFFERS An offer is a post-type message logged into Opporty s marketplace by a business owner. Every offer functions as a niche-oriented proposal for companies in the industry. Offers differ from requests in the sense that their aim is to appeal to companies who might be interested in a particular service. Once a company is registered, it receives a monthly package of free offers. When they expire, a company can choose to purchase additional offers, or earn them through rewarding activities such as contributing content to Opporty s knowledge-sharing system. Every offer is approved by the Opporty team. If a service provider fails to meet the terms described in the initial offer, the case will be scrutinized by Escrow arbitrators. Service providers are expected to comply with the terms provided in the original offer. In instances where both parties utilize a blockchain-powered smart contract, arising issues are resolved based on the assumption that every executed smart contract is legally binding and self-authenticating. Thus, pre-approved contract standards are used to establish the smart contract s enforceability. Escrow procedure may also be initiated when necessary.

15 RESPONSES A response is a comment-type message that is attached to offers and requests. Responses are replies to concrete offers and requests, describing particular terms of participation. A response to a particular request features details of a vendor s offer. Responses are limited in number. The moment a company or a service provider registers on Opporty, they receive a monthly package of free responses. Once their free responses expire, users may opt to either purchase or earn additional responses KNOWLEDGE-SHARING SYSTEM Opporty s knowledge-sharing system consists of two major components: blog and Q&A. Opporty s blog ensures that every user is able to share their ideas and experiences, educating other Opporty members. Users be they companies, service providers or regular users can launch their own blogs to contribute content, giving them the opportunity to expose themselves to the community and establish themselves as experts.

16 15 All activities on Opporty s blog are rewarded with tokens. Whether users post in-depth articles or leave useful comments, they are rewarded with cryptocurrency. The highest-rated contributors become eligible to participate on Opporty s team of experts. By becoming Escrow arbitrators, they collaborate to establish rules for conducting a particular business, and to create terms and standards for providing particular services, backed by smart contracts. Regular contribution of content to the blog is the shortest path to gaining a solid reputation within the community and finding new clients on Opporty. Opporty s Q&A platform aims to meet the needs of users who want to find answers to specific, niche-focused questions. Every Opporty user is in a position to post questions and provide replies to these questions. Replies are rewarded with tokens. Replies are curated and monitored by Opporty s team of niche experts. They may comment on replies or delete them entirely if they do not comply with Opporty terms of use, or if they provide misleading information. 6. OPPORTY MARKETPLACE 6.1. MARKETPLACE MODEL As a service marketplace, Opporty fosters a business-friendly environment for small and mid-sized companies who request or offer niche-specific services (filing tax reports, registering trademarks, registering companies, preparing contracts, preparing and filing income tax returns, etc.). Users can list their services and target specific industries in particular areas. In this sense, Opporty is similar to lead-gen platforms. Meanwhile, Opporty s blockchain allows for massive service standardization, quality protection, and cost reduction. Owing to the support of Ethereum-based smart contracts, Opporty admins and experts are in a position to implement a decentralized Escrow procedure, which entails:

17 16 Selection of services prone to standardization Development of standardized contract terms Approval by community experts Launch of smart contracts on Ethereum blockchain Opporty marketplace enables two types of service listings: Requests/offers with individual contract terms Requests/offers with contracts executed on the blockchain and protected by Escrow Escrow-protected requests and offers receive priority in Opporty listings and are displayed above blockchain-free requests and offers. Opporty s Ethereum-powered blockchain allows for the full-scale use of cryptocurrency (OPP tokens). Users are allowed to either earn tokens by completing specific actions or to purchase them with fiat currency. Uses for Opporty tokens include the following: Purchase of Opporty services Payment for services provided by other Opporty users Ordering of advertising services and priority listing Conversion of tokens to fiat currency MARKETPLACE STANDARDS The Opporty team strongly believes that established rules and standards are the cornerstone of business success. For this very reason, we have partially abandoned the traditional service marketplace model and are progressing with the implementation of smart contracts and decentralized Escrow. By implementing standardized procedures, companies enable themselves to make faster decisions, reduce spending, increase productivity, and provide their clients with better service quality. The standardized approach is cherished by corporations and Uber-of-X companies for one obvious reason: It Works!

18 17 Opporty ensures that small business owners enjoy the benefits of standardization by binding blockchain to on-demand. It allows for self-governed, decentralized communities that develop and establish their own business standards, and play by their own rules. Industry experts who establish rules and standards are selected by their communities; however, should a community fail to select experts, the Opporty team will assist in the process. The community members will be free to modify or approve any changes to standards for providing a specific service INVOICES Opporty s marketplace incorporates both security and resilience by design. Therefore, users can purchase and pay for any type of service without fear of data security breaches. However, should a user choose to sign a non-protected commercial contract and they have concerns about their credit card security, the use of invoices is allowed. The issue and exchange of invoices is not regulated by the Opporty team ESCROW Escrow is an integral part of Opporty s business-friendly ecosystem. It will be introduced in two steps: While the community of experts is limited, Opporty administrators will reach out to influencers and industry gurus and encourage them to become Escrow members. As the Opporty platform grows, the team will empower users to become and vote for Escrow members on their own. Escrow members (multiple roles) are selected through Proof-of-Expertise. PoE consists of three parameters: Domain recognition real-world licenses and certificates Proof of domain content written for Opporty s knowledge-sharing system and customers' questions answered in Q&A section

19 18 Domain experience amount and quality of services provided on the Opporty platform Escrow ensures that users who sign smart contracts are guarded against poor quality services and can resolve arising issues in a professional, unbiased manner. If parties choose to rely on Escrow arbitrage rule, remuneration of 10% of the initial cost to Opporty is obligatory. Payment is fully or partially refunded to the client in cases of malpractice. However, if Escrow vote against the client, payment will automatically be transferred to the service provider s account. Therefore, Escrow benefits all three parties of the agreement: Escrow members expose and establish themselves as experts and gain a favorable reputation. Every member receives a visually appealing badge that signifies recognition from the community. Clients take advantage of extra protection against poor quality service providers. As a rule, it is difficult to make a party refund costs for services in a civil court dispute, but with Opporty s smart contracts and Escrow in place, all conflicts are resolved conveniently for both parties. Service providers, even if recently registered, are able to find clients more easily. Clients are under protection and are more likely to pay for services provided by a company that has not yet established its reputation on Opporty. Escrow members will be selected and voted for within each particular niche and category CENTRALIZED ESCROW Opporty is the world s first service marketplace to feature decentralized Escrow on the blockchain. However, it is crucial to differentiate between centralized and decentralized Escrow. Centralized Escrow involves four parties: a Client, a Contractor, Escrow, and Escrow Arbitrators (as shown in the image below).

20 19 Client Escrow Contractor Arbitrators In the event a Client is not satisfied with services provided by a Contractor, Escrow procedure is initiated. Escrow Arbitrators study the case and decide in favor of either a Client or a Contractor. At this stage, centralized and decentralized Escrow do not differ from one another. The fundamental difference lies in how Escrow and Arbitrators cooperate with each other. With a centralized model, a marketplace is pressed to hire industry experts who act as Escrow Arbitrators. This approach suffers several disadvantages: Generally, marketplaces and platforms that support Escrow operate in multiple niches. Thus, they face problems employing Escrow Arbitrators knowledgeable in every niche, making the process complex and expensive. Escrow Arbitrators are hired and paid by the platform. Their decision making is not fully independent. Evidence suggests that centralized Escrow arbitrators are likely to rule cases in favor of clients, not contractors, as clients create value and pay the platform. In light of these inherent deficiencies, centralized Escrow might not ensure a trustworthy level of security, transparency, and unprejudiced decision-making OPPORTY S DECENTRALIZED ESCROW Opporty s decentralized Escrow (demonstrated below) varies from the centralized model. By educating users via the knowledge-sharing system and gaining ratings and reviews within the marketplace, any Opporty user can be selected as an Opporty Escrow Arbitrator and join the Escrow board (instead of hired directly by a platform s administration).

21 20 Client Escrow % Contractor Commision Arbitrators Opporty s Escrow Arbitrators are neither selected nor hired by Opporty administration. The Opporty team will invite industry experts to become Escrow Arbitrators at the earliest stages of the marketplace s development. As Opporty s community grows, we will empower Opporty s users to select Arbitrators. Opporty Escrow Arbitrators are independent and unbiased by default. As they resolve Escrow cases on the blockchain, no one can interfere. This establishes a climate of trust, security, and transparency, which fairly favors both Clients and Contractors. Escrow receive a fee for case rulings that is automatically transferred to their accounts DAO DAO (decentralized autonomous organization) provides the core infrastructure that enables smart contracts and decentralized Escrow. Owing to DAO, users are able to independently select Escrow members, propose and vote for standardized rules for smart contracts. No procedure will be proposed, issued or controlled by a single entity. Initially, Opporty administrators will invite experts. Researching targeted industries, they will identify and select established experts and influencers. At this stage, administrators can intrude on the voting process to veto particular decisions in order to avoid anarchy. As Opporty gains momentum, power and freedom of choice will be transferred to the community, meaning that Opporty users will be able to select Escrow arbitrators on their own. However, minor curation on Opporty s part will still be allowed.

22 GAMIFICATION Oppporty is a gamified platform. A certain amount of cryptocurrency is issued for every activity. The highest-rated community contributors are awarded with badges of honor. They are also allowed to serve on Opporty s Escrow board, which gives them voting power to approve rules and regulations through the smart contract ecosystem. Opporty Rewarding Activities and Rank-influencing Factors Publish an offer Publish a request Post a response (speed) Post a response (quantity) First request First offer First review Best review Number of posts in Opporty blog Number of posts in company blog Number of comments Number of likes (posts) Number of likes (comments) Number of likes (answers) Number of questions (posted) Number of answers (replied) Number of reviews posted Number of reviews received Number of response answers Number of questions with positive ratings Best Opporty contributor Best company blog contributor Pioneer article in the empty section Most-liked question Most-liked answer Filled-out profile (70%) Filled-out profile (80%) Filled-out profile (90%) Profile complete (100%) Profile with positive rating Number of users subscribed to the profile Popularity in category Popularity in particular area Time spent online Amount paid Paid subscription

23 LOCALIZATION A US-based business, Opporty plans to target other developed and emerging markets. At the initial stage, Opporty will target the United States and other English-speaking countries: the UK, Canada, Australia, Ireland, New Zealand, etc. The second stage is China. Opporty envisions providing a frictionless experience to non-chinese companies operating in the Chinese market, encouraging them to offer and provide services to an immense base of Chinese customers. The third stage is the CIS countries: Russia, Kazakhstan, Ukraine, Belarus, etc. With over 250 million living in the CIS, Opporty strives to enable small business owners to fully enjoy the immense opportunities offered by Opporty s secure and transparent marketplace. The fourth stage is to reach out to other markets in Europe, Asia, Africa and South America, to build a multilingual community for entrepreneurs and individual service providers, a community that allows them to do business globally in an efficient productive manner.

24 AI & CHATBOTS Opporty aims to shrink the gap between technology and business. Therefore, the Opporty team strives to empower the marketplace with chatbots. AI-powered algorithms will analyze users activities to suggest services and vendors. AI algorithms will rank services based on predicted user preferences. This ensures relevancy of suggested services and improves user experience on the platform. Next, voice search will be implemented by integrating Alexa, Google Search and Siri functionality. Users will be able to ask questions and receive answers in a convenient hands-free manner. Lastly, the Opporty team will introduce AI-based contract analysis and suggestions. AI will be used to analyze the existing base of contracts to find and correct mistakes, and offer better solutions for drawing up various contracts. lawyer User enters Lawyer in the input field User Submit a request for service Chatbot Please provide details about the service you are looking for. User I am looking for a lawyer. Chatbot Are you looking for a lawyer, or you are a lawyer yourself? Chatbot What type of lawyer are you looking for? Corporate Criminal defense User I need to prepare an employment agreement for my new general manager in two days. It should detail the employee receiving equity shares, with a four year vesting period. User New York Chatbot Location preferences for service providers? User Corporate Chatbot Please select Submit a request for service Post an offer Post a question on Opporty s Q&A platform Chatbot asks for the user s address to create an account, posts the request for service providers, and sends the created request to the user s .

25 CRYPTOCURRENCY & ICO Opporty cryptocurrency is powered by Ethereum (ERC-20-standard cryptocurrency). OPP tokens can be used to purchase Opporty services, pay for priority listing, sign protected smart contracts, and more. Users can exchange tokens into other cryptocurrencies and fiat currency. The team envisions Opporty tokens as a go-to currency for small businesses. Tokens are protected from devaluation by the sheer number and value of services provided at the marketplace. A built-in cryptocurrency, the OPP token will be used by the Opporty community, and, consequently, they will support its cost and value. Should users abstain from using OPP, they will be able to pay with fiat. However, they will be encouraged to choose tokens (users get rewarded for specific activities in cryptocurrency; users enjoy a discounted price for services when paying in cryptocurrency). 6.9 TOKEN SALE STRUCTURE Opporty plans to run an Initial Coin Offering. Its token OPP token is an ERC- 20-standard cryptocurrency, with the original token price of ETH. The ICO will consist of two phases. During Phase I, which begins November 29, 2017, the Opporty team plans to distribute 25% of the total token amount 250 million OPP. Additionally, 10 million OPP tokens will be released to cover the Bounty campaign in Phase I. Hard cap is 50,000 ETH; soft cap is 1,000 ETH. 40% of tokens will be locked for one year to be offered during Phase II, which the Opporty team plans to run in one year. 30% of the total token amount are reserved for Opporty s long-term incentive. In total, Opporty will distribute one billion OPP tokens. Fifty million OPP tokens are allocated for the Bounty campaign.

26 25 Opporty ICO Details Start: Duration: Token standard: Ticker Symbol: Token price: Total amount of tokens: Distributed in the Phase I: Locked in 1-year contract for Phase II: Company long term incentive alignment: Bounties and community rewards: Soft Cap: Hard Cap: 27 November days ERC-20 OPP ETH % 40% 30% 5% 1000 ETH ETH Tokensale bonus structure: 1st 24 hours 2-4 days 5-9 days days days days days 20% 15% 12% 10% 8% 5% 0%

27 26 7. BUSINESS MODEL Opporty is a for-profit company. Most of Opporty s services are provided for free, but we will charge a small percentage of the revenues from all services ordered through our platform. Priority listings with additional features will be monetized as well. The amount of free request and responses is limited; additional responses and requests must be purchased once the complimentary package expires. The platform allows earning requests, offers and responses through rewarding activities. Income from services will be utilized to invest in Opporty s development and marketing MONETIZATION Service marketplace commissions. We are charging a small percentage of the revenues from all services ordered through our platform. Once two parties (vendor and client) sign a contract, Opporty will receive a fixed service fee. Advertising and promotion on the platform. Registered companies and service providers have multiple options to promote themselves on Opporty for free. Nonetheless, they can purchase advertising space and pay for priority placement with additional features. Commission from Escrow-enabled transactions. Should parties initiate an Escrow procedure, they agree that Escrow arbitrators and Opporty will receive a commission for their services. Additional services for Contractors. Contractors can create requests and offers within a wide variety of industries. The Opporty team is willing to provide additional services for contractors for a negotiated fee.

28 CURRENCY OPP token is an ERC-20-standard cryptocurrency that can be purchased or gained as a reward for contributing knowledge and expertise to Opporty s knowledge-sharing system. OPP token is protected against devaluation. Its value and cost is tied to the overall value of Opporty services and to services provided at Opporty by third-party vendors and contractors. OPP tokens can be spent on advertising and promotion on the platform, paying for additional services, and purchasing services provided by third-party contractors. Tokens can also be used for staking, necessary for applying to certain roles on the platform, such as Curators, Arbitrators, High Judges, etc PROFIT DISTRIBUTION Opporty aims to build a decentralized platform governed by a community of independently selected experts who follow digital democracy principles. To realize this goal, we intend to share profits with the community. Our distribution is as follows: 40% goes back to the community in the form of commissions and other rewards 40% goes directly into growth, as incentives to promoters, in the form of cashbacks for clients, and for advertising 20% goes to project development and team rewards 8. MARKET A service marketplace on the blockchain, Opporty supports cryptocurrency, smart contracts, and decentralized Escrow, which resolves the problem of trust between parties. This makes it a unique platform for doing business in competitive, overcrowded markets.

29 28 Due to a unique blend of services, functionality and features, Opporty s team will approach the most active and innovative companies in these markets, ensuring that they convert from the beginning. As a preliminary goal, Opporty will strive to position itself as a blockchain-powered service marketplace for legal, accounting and logistics industries in dire need of access to additional sales channels MARKET SIZE Initially, Opporty will appeal to lawyers, accountants and logistics experts. These industries are easily accessible: Lawyers over 170,000 law firms and approximately 1,315,000 licensed attorneys operate in the niche (as of 2015). Most of them are small, one-person companies that need to access new audiences in an efficient manner. Accountants over 42,000 accounting firms exist (as of 2014). As a rule, accountants are individual service providers who do not work under the umbrella of large companies and corporations. Just like lawyers, they have to build their client base on an ongoing basis. Logisticians a massive industry with over 500,000 interstate truck carriers, approximately 10,000 freight forwarders and consolidators, and 150+ container vessel operators. In its initial stage, Opporty has the potential to appeal to no fewer than 500,000 companies in the United States alone. As the platform develops, Opporty plans to cover the overwhelming majority of small businesses within the United States. Here are several stats to assess the scope of the potential market (based on (based on the US Small Business Administration Office of Advocacy research):

30 29 There are 28.8 million small businesses in the United States. They account for 99.7% of all US businesses. Small businesses employ 56.8 million Americans 48% of the entire US workforce. Small businesses create 1.1 million net jobs per year. Small businesses generate 33.6% of the United States total known export value. Opporty is perfectly positioned to assist small and medium companies in doing business, and has the potential to spur growth of the US economy. Once Opporty enters overseas markets in East Asia and Europe, it will follow a similar strategy to target small and medium companies. The potential market size is enormous, with over 40 million privately-held small companies in China, and 23 million small businesses in the European Union alone COMPETITION Opporty s mix of features and services is unique to legal, accounting and logistics niches, and its functionality is only partially overlapped by other websites and applications. There are about 20 competitors in every niche. They command particular advantages that allow them to hold their share of the market. However, they are missing out on the blockchain technology, which limits their functionality. Opporty strives to control only several percent of the targeted markets in the first stage. Based on this study The 1% fallacy, in order to own 1% we must be ranked in the top 19. With our unique features, we are about to be ranked in the top 10 among 20 competitors in each niche. Therefore, gaining 1-5% of the market looks highly achievable, especially considering that the platform is already operational and has established contributing users. Once Opporty cements its position in targeted industries, it will compete using selfgenerated content and by marketing the platform s new and existing features.

31 STRATEGY SERP SEM SMM PR To capture its share of the market, Opporty will utilize a combination of digital marketing, offline marketing, influencer marketing and PR. Opporty s digital marketing strategy is based on four pillars: content, social media, paid advertising, and SEM. By optimizing Opporty to the highest standard, the team ensures consistent growth of SERPs and traffic. To support Opporty s organic ranking, paid ads, in-depth content, and SMM strategy will be put to use. Offline marketing efforts are focused on participation in multiple events, conferences, and meetups. Opporty will become a trusted member of established professional associations and sponsorships. The marketing department will create a network of prospects and influencers to trigger word-of-mouth marketing. Once Opporty becomes a recognized brand, it will organize, run and sponsor its own events. Influencer marketing is a cornerstone of Opporty s approach to marketing. The team of experts will run outreach campaigns to ensure that trusted experts in targeted niches participate in the Opporty community as Escrow arbitrators and DAO voting members. In this way, Opporty will increase exposure and awareness, building authority and trust. PR is a valuable asset in the mix of Opporty s marketing activities. Our team of PR experts is skillful in communicating with targeted audiences through trusted sources to build mutually beneficial relationships. Opporty will advance its agenda through mainstream media, social media, and self-produced communications by using

32 31 a mixture of press releases, speech writing, pitches, blogging, guest blogging and market research. Opporty will create positive narrative and a build a strong reputation. 9. QUESTIONS & ANSWERS Why will service providers use Opporty? Opporty provides unique opportunities for companies and service providers who have just started doing business or have recently entered a particular niche. Thanks to Opporty s decentralized escrow and smart contracts, customers feel protected by the community and are more inclined to order services from service providers who may not yet have established a strong reputation. Why will service providers use cryptocurrency at Opporty.com? Opporty users can purchase services with both cryptocurrency and fiat. In this way the marketplace appeals to customers who do not know about or do not want to use cryptocurrencies, as well as to those who hold cryptocurrency and are willing to pay with it. Providers can use Opporty tokens to purchase specific services as well as pay for priority placement with additional features at the marketplace. Tokens function as a means of payment in Escrow they are withhold as fees for signing smart contracts. Cryptocurrency provides certain benefits to businesses. If they do not have time to earn tokens and do not want to purchase ad space with fiat, they can do so by paying with cryptocurrency. This provides massive exposure to a selected base of prospects and leads. Opporty tokens can be bought or earned by completing certain activities. Why is Opporty great for regular users? How will they use Opporty services? Upon registration, Opporty users are granted immediate access to the base of offers posted by service providers. Using smart filters, they can easily search for offers with affordable prices and flexible terms. Opporty users are protected by decentralized Escrow any arising conflict is settled quickly and professionally.

33 32 Why will Opporty users contribute content to the community? Contributing content allows users to expose themselves to the community and to build trust and authority within it. In-depth content cements a user s position within the industry, demonstrating their knowledge and expertise. Contribution to the community is rewarded with tokens that can be used to pay for services or buy ad space. Finally, best-rated and best-reviewed users can be allowed to join Opporty s Escrow board of experts. Why will users post offers at Opporty.com? Any user of Opporty can sell their services by creating offers. Although the number of offers is limited, they ensure priority placement and guarantee that each offer targets a particular niche. Each offer collects responses, and offer holder can choose the one with best terms of cooperation. Offers can be easily earned through activities rewarded in tokens. Why will industry experts contribute their efforts to DAO and smart contracts? DAO and smart contracts are promising technologies that allow brands to build self-governed, self-managed communities on digital democracy principles. Within Opporty s ecosystem, they give industry experts an opportunity to demonstrate their level of expertise. They can become ruling and voting members of Escrow and participate in drafting smart contract standards and establishing business rules. For their efforts, experts may receive a percentage of all deals processed, or a one-time fee, or non-financial incentives like brand recognition. What are the benefits of using the Opporty marketplace for customers? Opporty is an on-demand marketplace where customers can easily search for and select services in a convenient, user-friendly manner. They are protected from poor quality and unscrupulous business practices, thanks to decentralized Escrow and smart contracts. How does Opporty attach fixed service costs to cryptocurrency if its exchange rate is constantly changing? Opporty takes measures to ensure that users who hold certain amounts of OPP tokens are safeguarded against devaluation. By supporting both fiat currency and tokens, Opporty ensures that fiat can be exchanged into tokens and later used to order services at Opporty.com. If a user pays with fiat only, a fiat reimbursement procedure

34 33 will be used. The value of the OPP token is protected by the sheer cost and value of the Opporty services. How is Opporty different from competitors? There are many marketplaces emerging right now. They guarantee the delivery and quality of ordered products, but there is no platform that can guarantee the quality of services provided. Opporty distinguishes itself by combining the best of on-demand and blockchain to solve the problem of trust between parties doing service business. On the one hand, Opporty can be viewed as a user-friendly marketplace platform for small and mid-sized companies that makes it easy to search for prospects, convert them into leads and close them as customers. On the other hand, Opporty supports cryptocurrency, which not only puts the platform on the radar of the crypto community, but also allows for the use of such technologies as DAO, decentralized Escrow, and smart contracts. Opporty is not just a marketplace that promises to disrupt particular industries, but an innovative platform that establishes full-scale digital democracy. How are you going to meet the challenge of promoting Opporty? Opporty s unique ecosystem and functionality make the platform s marketing an uphill task. Yet, the Opporty team is equipped for that. It has over ten years of experience marketing big projects and possesses an insider s knowledge of the needs of small businesses. What will protect Opporty tokens from losing their value? As the Opporty community grows, the growth, value and stability of tokens will be protected by the sheer number of services provided on Opporty s platform. How will Opporty guarantee quick and fair judgements on escrow disputes? What makes it better than proven old-school judicial proceedings? Opporty's system is built to react to disputes and to issue fair and unbiased decisions. Each Escrow arbitrator has a reputation and a stake (a certain amount of committed tokens). An arbitrator s reputation depends on the number of cases, speed of their resolution, feedback from users and number of judgements disputed in Opporty's High Court. The arbitrator s stake encourages fair and lawful decision-making and serves as a deterrent to illegitimate activity.

35 ROADMAP PHASE I (STRONG VERTICAL) The Opporty team will use this centralized phase to make sure that all features are working properly. We are committed to switching to Phase II within one year, to make the platform more flexible and open, and to give participants more options. General Provisions Tokens based on Ethereum Structure is preset by the Opporty team (Chapters - Subchapters - Offers) Reputation stored in the Opporty database Commission is calculated in the database and paid to the Community monthly

36 Organizational Structure 35 Name of the organ/role Procedure Function Incentive High Committee Pre-assigned: Opporty Team members and Advisors Main organ of the platform. Can add or edit chapters, assign or ban users, moderate all content, examine complaints No incentives High Court Assigned by High Committee, each member should have a decent stake Provides final judgement on disputable cases when Client and/or Contractor do not agree with Arbitrators judgements Receives % from all sources, depending on stake and reputation Chapter Curator Anyone can apply for curating the Chapter, must have a decent stake and be approved by the High Committee Assigns and coordinates moderators; approves and edits subchapters, user-created offers and requests; promotes and nourishes Chapter, advises and helps its members Receives % from all sources in the Chapter, depending on stake and reputation

37 36 Chapter Moderators Assigned by Chapter Curator Help Curator with approving and editing subchapters, user-created offers and requests Receives % from Curator s Commission, depending on stake and reputation Arbitrators Anyone can apply for arbitrating in the Chapter, must have stake and be approved by High Committee Decide who is right in a dispute, sign escrow Receive % from all escrowenabled transactions in the Chapter, depending on stake and reputation Contractors Any legal business can participate Create offers and requests Get special bonuses for active participation and quick responses Clients Anyone can participate Create offers Get special bonuses for OPP token usage Promoters Anyone can participate Promote platform Get referral bonuses Contributors Anyone can participate Contribute content to the platform Get bonuses for contributing content The table is provided to enhance understanding of the ideas presented in this whitepaper. Some details in this structure may be altered during product development. However the general principles of this structure are expected to remain the same.

38 PHASE II (DAO) General provisions Tokens are based on more complicated blockchain all ERC-20 tokens will be changed 1 to 1 Structure is fluid (anyone can create or claim the chapter if they have a strong enough reputation and stake) Reputation is on the blockchain Commission is distributed automatically via blockchain Organizational Structure Name of the organ/role Procedure Function Incentive High Committee Must have decent stake, reputation and get enough votes from the whole Opporty community Main organ of the platform. Can add or edit chapters, assign or ban users, change rules Get % from all sources, depends on stake and reputation High Moderators Assigned by High Committee Moderates content across the platform Get % from High Committee commission

39 38 High Court Must have decent stake, reputation and get enough votes from Arbitrators Provides final judgement on disputable cases when Client and/or Contractor don t agree with Arbitrators judgements, examines and judges complaints Get % from all sources, depends on stake and reputation Chapter Curator/ Committee Must have decent stake, reputation and get enough votes from Chapter members Assigns and coordinates moderators; approves and edits subchapters, user-created offers and requests; promotes and nourishes Chapter, advises and helps its members Get % from all sources in the Chapter, depends on stake and reputation Chapter Moderators Assigned by Chapter Curator Help Chapter Curator/ Committee with approving and editing subchapters, user-created offers and requests Get % from Chapter Curator/Committee s Commission, depends on stake and reputation Arbitrators Anyone can apply for arbitrating in the Chapter, must have stake and be approved by Chapter Curator/Committee Decide who is right in a dispute, sign escrow Get % from all escrowenabled transactions in the Chapter, depends on stake and reputation

40 39 Contractors Any legal business can participate Create offers and requests Get special bonuses for active participation and quick answering Clients Anyone can participate Create offers Get special bonuses for OPP token usage Promoters Anyone can participate Promote platform Get referral bonuses Oracles Anyone can apply, must have stake and be approved by Chapter committee Confirm off-chain events Get % from all sources in the Chapter, depends on stake and reputation Advisors/Experts Anyone can apply, must be approved by Chapter committee Advise and help participants Get % from all sources in the Chapter, depends on stake and reputation Contributors Anyone can participate Contribute content to the platform Get bonuses for contributing content The table is provided to enhance understanding of the ideas presented in this whitepaper. Some details in this structure may be altered during product development. However the general principles of this structure are expected to remain the same.

41 CURRENT STATUS At the moment, Opporty offers users a wide range of services: requests, offers, responses, and content contribution to the knowledge-sharing system. Yet these are basic features. The Opporty team has a lofty agenda aimed at creating a fast and fair dispute resolution procedure which works better than the civil court system. Within the scope of one year, we plan to do the following: Enhance and polish basic features Implement localization in the Chinese market Introduce in-depth gamification features and bundle them with cryptocurrency Adjust to support multiple languages and reach out to international markets Implement decentralized Escrow for the marketplace platform Develop a user interface for chatbots Launch AI-powered service ranking While the team keeps working to develop and implement additional features, heavy investment in marketing is called for. Our ultimate goal is to establish a go-to marketplace for small businesses and individual service providers where they can not only request and offer services, but they have the opportunity to expose themselves to the community of professionals, utilizing the latest blockchain technology. 11. CONCLUSION Opporty is a service marketplace on the blockchain, with a knowledge-sharing system, smart contracts, and decentralized Escrow. The platform enables customers to find the best offers and requests, and guarantees outstanding customer protection. The platform gives new providers a reliable opportunity to get their first orders by boosting clients confidence through decentralized Escrow, which is provided be verified community experts. Opporty s knowledge-sharing system enables users to educate their communities by sharing knowledge and expertise, and to gain exposure by building a more educated market. By increasing brand awareness and getting their content rated, they can be allowed to join Opporty s Escrow board which empowers them to establish rules of doing business and resolve arising conflicts.

42 41 The self-regulated, decentralized expert community guided by digital democracy principles will establish and approve standards for doing business at specific niches. The standards will be mutually beneficial to both service providers and customers. The moment transparent standards are established, they will simplify the process of starting a business or targeting new markets. The obvious advantages of blockchain technology will make for its broad adoption for B2B and B2C interactions within the service economy. Both parties will be protected by expert-curated Escrow, which makes dispute resolution faster and less expensive than inefficient civil court proceedings. We invite you to join our crowdsale. Your contribution will help us transform the world of doing business for the benefit of all. 12. CORE TEAM SERGEY GRYBNIAK Founder Sergey Grybniak, recently named Executive of the Year, is a recognized international expert. His vision of doing business has never led to failure or bankruptcy. He has 12 years of digital marketing experience supported by an impressive educational background. He has built an international business, growing his company from one person to a team of over 50. ADVISORS DAVID DRAKE Chairman of LDJ Capital, LDJ Real Estate Group, Drake Hospitality Group David Drake is the Chairman of LDJ Capital; Victoria Partners, LDJ Real Estate Group; Drake Hospitality Group; and, The Soho Loft Media Group. LDJ Capital's manages 1.5 trillion USD in assets. David previously represented the US Commerce Department at the EU and he spoke at the UK Parliament. Mr. Drake s access to 100,000 investors is maintained through his media holding investment The Soho Loft Media Group. David Drake is actively involved in the crypto community as an advisor and speaker and has helped blockchain firms raise $101M in funding through their ICO. RICKY NG Senior Business Manager in Yahoo Asia. Founder of I-house.com & I-house Token Chairman and founder of I-house.com & I-house Token (IHT), the first blockchain real estate cloud platform worldwide. Co-founder, Director of McAfeeCC, one of the largest crypto fund founded in Co-Founder of Iclick Interactive, one of the largest digital advertising platform in greater china area, created an advertising myth of 1 billion RMB per year, major partner with Baidu and Tencent in China and overseas. Former Senior Business Manager in Yahoo Asia - Yahoo! Search Marketing; professional in digital marketing with more than ten years of practical experience in digital marketing and Entrepreneurship. Bachelor of Engineering, Ecommerce and Financial Engineering.

43 42 ELIE GALAM Advisor to Bancor, Legolas Exchange, and Gimli A mathematician and alternative investments expert, Elie founded Panorama Partners in 2011, a New York based hedge fund that uses algorithms to find arbitrage opportunities in financial derivatives. Prior to Panorama, he was a Portfolio Manager for Two Sigma investments, a 40 Billion dollars quantitative hedge fund. Elie received a Masters in Applied Mathematics from Harvard University and a Masters in Engineering from Ecole Centrale Paris. MARC KEINIGSBERG Founder of BitcoinChaser Marc has been involved in Bitcoin since 2013 and has 18 years experience in online marketing. He is one of the world s largest cryptocurrency affiliates and the founder of the BitcoinChaser website and community. Marc is a regular speaker at conferences around the world and contributor to industry leading publications. HENRY INES Venture Partner at Draper Dragon With over 17 + years of investment, corporate finance, cross border advisory and entrepreneurial experiences, Mr. Ines worked as a partner at DFJ Dragon Fund & DragonVenture. He began his career at Price Waterhouse LLP as a management consultant before working as an investment banker at PricewaterhouseCoopers Securities LLC (PwCS), M&T Bank and Saddle River Associates in Hong Kong & New York. Mr. Ines is a co-founder of ios app StreetMarch, a member of the Board of Advisors for Backbone Labs and an Advisor for SnapOutlets. Aside from his VC and startup advisory work, Mr. Ines serves as the Executive Director of the Global Chamber San Francisco. Mr. Ines is also a lecturer at Nanyang Technopreneurship Centre (NTC), Nanyang Technological University in Singapore and is a faculty member of the Silicon Valley Institute. Mr. Ines holds a BS in Finance from Pennsylvania State University in University Park, PA and an MBA from Duke University Fuqua School of Business in Durham, NC. ESTEBAN VAN GOOR Managing Partner (Venture Capitalist) Megalodon Capital / ICO Advisor (cryptolawyer) Esteban is a Venture Capitalist in the Crypto Asset space. Prior to becoming a VC he was a (tax) lawyer with Baker McKenzie, with a special focus on the VAT implications of bitcoin, blockchain, e-commerce and igaming. He first heard about bitcoin in 2012 and started researching about the tax implications of bitcoin (and blockchain technology). He wrote several articles about VAT and bitcoin (in combination with igaming), and became a regular speaker on tax and legal matters at bitcoin and blockchain related conferences, amongst with the Blockchain Money, World Blockchain Forum and the igaming Super Show. He also assisted with educating legislators about bitcoin and blockchain technology and provides guidance as an advisor with various tech (bitcoin/blockchain/igaming related) start-up companies, in relation to their ICOs and other legal related matters. His ultimate goal is to get people aware of bitcoin and blockchain technology and to help as much as he can to get this industry grow. In his free time Esteban likes to travel and of course read about crypto. DESMOND MARSHALL Founder and MD of Rouge Ventures, ICO/Crypto Desmond Marshall is the founder and MD of Rouge Ventures; founder of Pitch Perfect. With over 22 years of strategic experience on capital raising, he provides counsel on IPO, ICO, and fund raise. A member of the global Enterprise Ethereum Alliance, Desmond is instrumental in defining new development roadmaps to blockchain technology and its application in the real world. Mr Marshall is an accomplished public speaker in latest business and investment trends, and an advisor in many ICO companies and to the government.

44 43 SEAD MUFTIC Technical and Blockchain Information Exchange Security Advisor Working in the area of IT security for more than 40 years. M.Sc. degree (1974) and Ph.D. degree (1976) in the area of computer security. Tenure/full professor (retired) of computer security at The Royal Institute of Technology (Stockholm, Sweden) and visiting/research professor at several international universities. International expert for various areas of computer and communications networks security (EU, VISA, IADB, Siemens, ENISA, EU/TDL Consortium). Adviser and consultant to several international agencies, banks and associations (European Commission, EU/JRC, World Bank, IADB, VISA, Siemens). Experienced entrepreneur and businessman (Chairman, CEO, CTO of several start-up, small and large companies). Author of three international books and about 100 published research papers and four registered U.S. patents. Invited speaker at many national and international conferences. Technical Advisor and Blockchain Expert for several FinTech and start-up companies. WULF KAAL Entrepreneur, Technologist, Professor Wulf Kaal is a leading expert on Blockchain Applications in broad arrays of industries, initial coin offerings, and smart contracting, as well as private investment fund regulation and compliance. His scholarship constitutes over 85% of the empirical and theoretical scholarship on Blockchain applications in corporate governance and private investment fund regulation in the United States. Additionally, Prof. Kaal is the leading proponent of dynamic regulatory solutions for innovation. RICHARD BOHAN Advisor Richard Bohan has a background in computer science and cyber security. He found a love for Programming and the Math that is involved in programming, this love lead him to a white paper in 2008 and then he started mining something called Bitcoin in 2009 and the rest is history. SERHII LUBKIN Advisor Serial entrepreneur, MA of Economics, over 5 years in digital marketing and IT outsourcing for various clients in US and Ukraine, co-founder of Lubkin Consulting agency, ecommerce platform jointle.com, and talent recruitment company, bitcoin investor and blockchain enthusiast since 2013 MICHAEL LAPIN Advisor Founder of Beginex, a user experience (UX) design training program mentored by experienced UX practitioners from companies like The Economist, Meetup, ThoughtWorks and Google. In addition to running the program, Michael is a product and UX consultant, who also organizes events that included NYC OpenRecords UX Hackathon for NYC Mayor s Office of Technology and Innovation sponsored by Google. ANDREY SARAYEV AI and Analytics BS MS PHD (Computer Science) Dr Sarayev is an experienced specialist in AI and big data analytics. He is a recognized expert in quantitative data analysis with considerable skills in developing algorithms for complex computational problems. He has a deep knowledge of advanced AI algorithms. In addition he is experienced in developing and implementing complex data analysis and data retrieval algorithms.

45 44 ALEXANDER (ALEX) KOMYAGIN Security Advisor Alex has diversified technical experience in Software development, network security and distributed databases. He acquired all necessary experience and knowledge studying in Saint Petersburg State Polytechnical University. The main highlight of Alex career is his experience in security measures and protection of the complex solutions. It is very important for projects which deal with transactions of money or any other important information. Especially it is important for companies which work with cryptocurrencies. Opporty belongs to one of such companies and Alex s security contribution is quite important for us. DAVID TREYSTER Managing Attorney at Hudson Law Group David Treyster is Adjunct Professor of Business Law. Legal Advisor to Saperstein2017 Campaign for City Council. 11 years attorney experience at Paul, Weiss, Rifkind, Wharton & Garrison LLP. ALEX BILICHENKO Machine Learning & AI. PHD Alex Bilichenko, PHD, has deep understanding and theoretical background in Artificial Intelligence. He worked as a quantitative researcher and trader in multiple large companies. He will support us in AI associated issues and procedures. SERGEI LOGVIN Advisor 15 years of experience in management, 4 years in the blockchain economy. Ico advisor. Works on Mapala. net project (international community of travelers). HR, strategic planning, communications in Rocketico.io ICO Advisor AdHive.tv KONSTANTIN KALINCHENKO MS in Mathematics, PhD in Industrial and Systems Engineering Dr Kalinchenko is an experienced professional in Optimization under Uncertainty, Data Mining and Risk Management, who engineered various stochastic optimization solutions for portfolio management, insurance and military applications. He also possesses a diverse experience from the Banking and Securities industries in US, UK and Russia, ranging from internal control and audit systems to predictive signals discovery and market microstructure research. TZVI SHISHLER CEO of 4KingMedia, a leading Crypto Media company Tzvi Shishler is the CEO of 4KingMedia, a leading Crypto Media company. Tzvi has extensive marketing experience, especially in the disruptive online space and has been involved in ICO marketing from the beginning. MICHAEL KAPILKOV Advisor Michael Kapilkov serves as an ICO advisor to CREDITS and Spheris. He has been involved in the blockchain space since 2015, and has founded several blockchain startups. He is a partner at Datrixo, a venture building company that focuses on blockchain and AI technologies. Michael attended Columbia University and holds an MBA from IE Business School.

46 45 TEAM KATERINA SUKHENKO Product Manager Katerina is our respected product manager with five years of experience managing projects. She delves into project prototyping and workflow planning, and is responsible for strategic decision-making. Additionally, she is responsible for the cohesion and productivity of her team. EMIL DUDNYK Developer Emil is our one of masters of web development, with in-depth experience acquired over 7 years of working on web-development projects. He is passionate about his job and he continually strives to self-develop, to do his job even better VADYM HUZA Developer Vadym is our talented JS developer. He works closely with our web developers to build performant and highly functional interfaces. In addition to his experience as web developer, he has in-depth an understanding of JavaScript, React.js, MongoDB. NIKITA LAKISOV Developer Nikita is our web developer with one year experience in JS projects built on React.js, Ember.js, PostgreSQL. ILLIA LAKISOV Developer Illia is our web developer with one year experience in JS projects built on React.js, PostgreSQL. VLAD BILOUS Developer Vlad has 3 years of experience in js and php development and working with various cms. VLADIMIR KOVALCHUK Developer Vladimir is Opporty s Java and PHP developer. He is experienced in developing complex solutions. He is opensource enthusiast and skilful smart-contract developer. He likes to delve into the deepest corners of code. Another Vladimir s highlight is work with Magento. He supported their emergence on the market. SERGEY GERASIMCHUK Developer With 2 years of extensive experience in Web-development, Sergey is an effective site developer. He worked his way up from editing websites and he now serves as our fully-functional developer.

47 46 SERGEY SILIN DevOps Specialist Security, administration of our IT-infrastructure and any other IT issues are handled by our DevOps specialist. Sergey is a true professional in information security with more than 11 years in IT. MICHAEL KHVOSTYAK QA Engineer Automated testing of our product is Michael s main passion. He has over one year of experience with QA automation on Java, ensuring that our sites are working smoothly. IVAN LIHOY QA Engineer Ivan is our QA Manual Engineer with one year experience. His main responsibilities include designing and implementing test cases, finding bugs and writing detailed well-structured reports. KRISTINA SAVCHUK SEO Specialist Kristina is our SEO-specialist with in-depth experience in SEO and internet-marketing. She is passionate in finding SEO-solutions for our customers and she is also experienced in social-media marketing. VLADISLAV VELEV SEO Specialist Vladislav has been an active member of the internet-marketing world for more than 6 years. He is engaged in creating effective strategies for site promotion and does it virtuously. He uses SEO promotion to drive more clients through organic traffic. EVGENIY AVEDOV SEO Specialist Evgeniy is an SEO-specialist, working on SEO-promotion campaigns. His background in internal and external site optimization and social-media work provides him a perfect perspective when promoting the sites of our customers. IRMA NANOVSKAYA SMM Specialist Irma has over 5 years of hard-work in advertising, selling, communication, promotion and other associated activities. All these things make her a true specialist in all marketing communication issues. Her last 2 years have been engaged in the social media marketing. MARIA SHINKARUK SMM Specialist Maria is engaged in social media contacts of our company with 2 years of experience. She works with promotion strategy and audience analytics to drive more interested customers through social media.

48 47 ANDRII KHAKHARIEV Copywriter Andrii has been writing content since As a freelance writer, he was engaged in writing and editing of academic papers; translated movie scripts from English into Russian. In 2013, he was hired as a full-time content producer to write about digital and content marketing, product development, and PR. IEVGENIIA GALYCH Copywriter Ievgeniia has more than one year of experience in copywriting and a good command of Chinese ANDREY IVANCHENKO Copywriter Andrey spent almost a decade as a freelance writer and editor for publications and academic papers. His writing experience guides his role in representing our content initiatives. MICHELLE MATTE Copy Editor Writer, editor and educator, Michelle holds a Master of Science degree in Education from Old Dominion University. Michelle has experience developing and facilitating online education platforms. She has written hundreds of articles and edited thousands of documents over the course of her career. DENIS MALYUGA Designer More than 20 (!) years of experience, brand development, graphic and web-design it s all about our Denis Malyuga. You can see the results of his work you on our website, which was crafted using his ideas and under his supervision. YURIY IVANKOV PPC Specialist As our PPC-specialist, Yuriy benefits from his training as a certified specialist in PPC-promotion to craft effective PPC-strategies with precision and creativity. His knowledge of PPC-principles and 10-years experience in this sphere enables him to craft amazing PPC-campaigns. MARYANA ANDRIEVSKAYA Support Manager All queries from customers, their requests and propositions are handled by Maryana. She has experience on account-management and knows how troubleshoot customers issues. All additional services and support is provided by Clever-Solution Inc.