Web: NEW ERA OF THE CRYPTO WORLD SIMPLE SHOPPING AND SAFE PAY ICO-2018 WHITEPAPER COPYRIGHT

TABLE OF CONTENTS 01 Introduction 02 Summary 03 ICO (Initial Coin Offering) 04 Blockchain and the future of payments 05 Problem 06 Concept 07 Vision 08 Mission 09 Solution 10 Crowdsale Information 11 ICO Details 12 Security 13 Protocol / Token 14 More about PAYERA 15 More about SHOPERA 16 More about CARDERA 17 Roadmap 18 Team

INTRODUCTION NEW ERA OF THE CRYPTO WORLD The market for crypto currencies is the most dynamic of our time. Digital currencies use public accounting systems to file transactions. We are convinced that the future of the current financial system will be dependent on the development of the blockchain technology and on the reaction of the community. The blockchain can and will, in our view, be used to achieve a really strong, positive development of the financial system. For quite some time, our team has intensely worked on the blockchain technology and cryptocurrencies. We discovered, that due its strong volatility and high anonymity, people do speculate more with cryptocurrencies than using the coins as a currency. This is why the idea of PAYERA emerged to use cryptocurrencies free of worry. We will create a secure multifunction platform which is going to be easy to operate with. After we had drawn up the initial concept, we secured after a brief presentation interested partners and consultants and thus we have systematically built up our team. In the process of optimizing our main product down to the smallest detail, something extraordinary has emerged: An All in One concept that enables us to operate with even more flexibility in the market. ATAKAN ALI CEO & Co Founder

SHORT PRODUCT INFO: OVERVIEW OF OUR PRODUCTS PAYERA SHOPERA CARDERA The payment platform with buyer & sellerprotection, wallet and exchanger. The simple online shop with the best user experience for merchants and individuals The crypto card for everyday payments. We thank all those who have actively supported us. Due to the close cooperation with our partners and consultants within a short time a very friendly and familiar atmosphere has arisen, which has led to a concept that is unique. We are very confident and hope to exceed the users expectations. The technical details of the Whitepaper will be following after the ICO funding-phase. Follow us on www.payera.io or on our social media channels for update information.

02 SUMMARY We have analyzed the most recongnized Fiat payment protection platforms, refined the concept, combined those with the innovative functions of the blockchain and integrated our unique Pera Token. PAYERA: The payment platform with wallet and exchanger that enables tradesmen and private individuals to experience safe crypto shopping. Buyers have the ability to pay the seller with their own, preferred cryptocurrencies while they are under a full buyer s protection. Sellers can decide whether they want to receive the purchase amount in Fiator in the requested cryptocurrency being listed in the wallet. PAYERA charity: A percentage of the fees we collect will automatically be deposited into a donation pot, which will be evenly divided according to continents. After a certain predetermined amount has been collected, our PAYERA foundation team will fly, regardless of religion or nationality, into any needy region to provide support. It is planned, according to the local situation, to build schools and water wells and supply school materials to support the education of the children as needed in each locale. So as a PAYERA user you will be automatically contributing to this charity. SHOPERA: The user friendly online shop platform, where merchants and individuals have the opportunity to sell new and used goods. We have analyzed the most frequented online shop portals and focused on the most user friendly features of the providers. We want to make sure, that SHOPERA will be easy to operate and that you enjoy the best user experience ever. CARDERA: Your crypto payment card for everyday use, which offers more flexibility. The card is connected to your PAYERA wallet and you have the ability to make purchases or withdraw Fiat money at ATMs as you are used to, except that you use the coins in your PAYERA wallet therefore.

03 ICO (Initial Coin Offering) An ICO is a method to finance an enterprise. The so called initial coin offerings are somewhat comparable with an initial edition of securities on a stock market. ICO is an opportunity to purchase token for projects in the blockchain ecosystem through crowdfunding. Supporters and investors purchase the project token and may commercially operate with the purchased token according to the listing on different platforms.

04 BLOCKCHAIN AND THE FUTURE OF PAYMENTS Cryptocurrencies have evolved a great deal to what they are today. In the past, it was called play money for gamers, today it is called, amongst other things, speculation. Many users deal on different exchange stock markets to generate profits. Although blockchain technology has immense potential and many advantages over the payment system nowadays, many sellers don t accept Bitcoin & Co as a currency. We are convinced that technically and also concerning the market statistics a rapid growth of blockchain and smart contracts is foreseen. Business models such as banks, retailers, insurances and all other affected enterprises have to adapt their traditional and outdated business models. As the blockchain industry has already reached its post inception phase, the world is ready for strong products like PAYERA. 05 PROBLEM Despite many advantages of blockchain technology and crypto transactions including extreme speed, low fees and high flexibility, cryptocurrencies are only rarely used as payments. Buyers and sellers are insecure due to floating rates and complicated application. For this reason, enterprises still use the traditional Fiat payment systems connected to banks and financial institutions. Buyers want the security that transactions with cryptocurrencies provide through a protected trade and in case of a problem arises a guaranteed refund of the payment. Sellers want to increase their turnover and establish themselves in the crypto scene. This is why PAYERA has set a goal to establish trust between buyer and seller.

06 CONCEPT PAYERA from its structure is pretty similar to the most successful e commerce enterprise in the Asian region, but much easier to handle. Combined with SHOP & CARDERA we offer a multifunctional solution which does not exist on the crypto market yet. We will build upon on the best attributes cryptocurrencies have to offer very fast transactions and low fees to enable sellers to market to the worldwide growing audience of crypto users. This project, with all its features and yet impressive in its simplicity, will be an incredible and unique product for the crypto world that can be funded through venture capital investments. 7. VISION 8. MISSION Our vision is to become the crypto enterprise with the biggest number of users worldwide, the place where crypto owners can do online-shopping worry-free. We are also seeking to become the leading global and universal crypto platform. Our mission is, to be our customer s first choice. The place, where you preferably buy with crypto. We have committed ourselves to perform all our actions economically and eco-friendly.

09 SOLUTION PAYERA offers an easy multifunctional solution for crypto users and sellers. We are going to create a new era in the crypto payment gateway with PAY / SHOPand CARDERA. BUYER SELLER SUPPORTERS BUYERS are protected against criminals, as we offer a full consumer protection for all transactions done through PAYERA. This protection includes all conventional goods as well as services. You also have the possibility to do internal wallet transactions free of charge. SELLERS obtain the perfect solution to get established in the crypto scene and to increase their proper sales volume. We offer a full protection against volatility on the crypto market by offering an optional payment in Fiat or the requested coin. PAYERA also has lower fees and a shorter holding period compared to other systems. Sellers also have the opportunity to do internal wallet transactions free of charge. For Supporters the PERA will take on an important role in the future concerning the crypto payments, PERA is not going to be a speculative coin. Our supporters finance a real business model that will be far from pseudo speculations. We are confident, that our token will be established also on other platforms.

10 CROWDSALE INFORMATION On April 3 rd, 2018 we have opened the private sale to get attention from investors. On May 30 th, 2018 we will start the Pre ICO sale to gain attention from the community. On June 20 th, 2018 we will launch the ICO with the goal to reach $ 21 million USD in funding. TOKEN SALE BREAKDOWN Private Sale 3 % Pre ICO 10 % ICO 57 % After the ICO, the unsold amount of tokens intended for the ICO sale will be burned. Thanks to our highly motivated team that put a special focus on Roadmap, we are proud to say that what we have achieved up to today has been supported through our own means. The available means will help us to realize our project and will keep us following our passion for the crypto currency. In order to build up the PAYERA project in the segments development, marketing, team expansion and distribution, we need your support, but first of all your trust. We are convinced that we will push PAYERA to the top of the market and we are looking forward to every new business partner on this way. Together we will build a new era in the crypto world.

11 ICO DETAILS ICO STRATEGY PRE ICO START ICO START WHEN May 30 th, 2018, 14:00 Uhr GMT / UTC +1 June 20 th, 2018, 14:00 Uhr GMT/UTC +1 PRICE $ 0.01 USD $ 0.02 USD + 25 % referral ADDITIONAL INFORMATION TOKEN SYMBOL / PROTOCOL: TOKEN QUANTATI: MAX HARDCAP: ICO PAYMENT MEANS: PERA / ERC233 (Casper) 2,100,000,000 $ 21 million USD ETH, BTC, LTC, DASH, BCH

12 SECURITY Security is our highest priority. Any threat will be patched and published through our specialists. We will insert a self repair code in our updates. We don t just secure our customers data, we also encode and distribute them to redundant servers on various continents to ensure datasecurity and consistency. We do not pass on any data to third parties or for purposes for market analysis. The verification is only needed against would be criminals. 13 PROTOCOL / TOKEN ADVANTAGES The Casper-Protocol POS (Proof of Stake) is our chosen protocol, especially for cryptoeconomical reasons, due to its many advantages concerning our environment in comparison to the standard proof of work protocol. Ethereum Casper is technologically advanced and superior in comparison to other protocols. We always remain up to date regarding the crypto technologies and only implement the most effective technologies for our users and PAYERA. Ethereum is one of the most known and most accepted protocols in the crypto world. There are many application possibilities and it has many supporters in the crypto community. NOTE: If the Ethereum development team is not able to terminate the protocol test phase till the start of ICO, we will implement our token into the ERC233 protocol.

14 MORE ABOUT PAYERA 1. Guidelines for the PAYERA buyers and sellers protection are transparent and simple. Established providers usually need a long processing time and are based on a protection program that only protects physical goods. Crypto based services only serve as a payment system and don t offer any security against potential criminals. PAYERA offers extended consumer protection for physical and virtual purchases as well as services. 2. Due to high fraud risk, most providers require many documents which slows down the refund. Holding times of four or more weeks are not unusual. Should an issue arise, we will find a simple solution for both parties (buyer/seller) and refund the payment immediately after solving the issue. 3. We will offer an easy solution for issues that may arise. The parties will have the opportunity to clarify the problem in a live chat within a selfmediated discussion for the time being. If there is no solution reached, we offer the option to involve our clearing mediators as a third party and to chat in real time. Our task is to solve conflicts straightforward and promptly. Should a mediator be involved, the offender will be responsible to pay a fee of 1% of the merchandise value. 4. We will give buyers the opportunity to rate the seller after a completed purchase. The seller can reach different rankings in the system depending on his success rate. With good ratings he has some advantages like an immediate paying out and lower fees. 5. Users can send coins in the wallet free of charge. Additionally, the private user can transform his user account into a business account. Providing wallet transactions free of charge, we unfortunately cannot offer a refund or guarantee.

6. For the seller s protection we will exclude buyers who repeatedly receive negative feedback from further purchases. Naturally, prior to this we will first throroughly investigate the case to verify the facts before taking such steps to exclude the buyer. 7. While other suppliers charge a fee between 2.9% and 5% of the total purchase, PAYERA only demands 1% and, depending on the seller s ranking, it could be even less. 8. Charity: A percentage of the fees will automatically be desposited into a donation pot that will be evenly divided according to continents. After a predetermined total amount has been collected, our PAYERA foundation team will fly, regardless of religion or nationality, into any needy region for support. It is planned, according to the local situation to build schools and water wells and supply school materials to support the education of the children as needed in each locale. So, as a PAYERA user you will be automatically contributing to the charity. 9. Recommendation Program: When you promote a seller, we will reward you for a lifetime for any through your recommended seller sold article on our platform. A certain percentage of the fees made on each sale will go automatically into your wallet. The seller registration must be activated through your personal link or your profile name. The recommendation program has a positive impact on the economic growth of the sellers, private individuals and for PAYERA too. We would say it is a win win situation. 10. From time to time there will be votes between the users. They will decide which other cryptocurrencies should be listed in the wallet. Additionally, an exchanger will be integrated. The exchange solution will give the users the opportunity to change coins free of charge or to change them into Fiat. 11. You can log in to your wallet with your finger print, via face recognition or a pin code. PAYERA has no access to your user account as you are the holder of your own private key.

15 MORE ABOUT SHOPERA Our concept also offers an online shop which allows merchants as well as the private individuals to offer their goods and sevices without any risk on the crypto market. 1. Do it easy instead of complicated. We have analysed the most common online shops on the market and decided to create SHOPERA to make it as easy as possible for the users: registration log in taking pictures of the goods set the price a brief description and your advertisement will be online. Merchants as well as private individuals now have the opportunity to shop with crypto currencies. Through a location setup (optional) you can locate which article is for sale in your close environment, the distance can be chosen freely. 2. Each online shop charges a basic fee per article being sold. After having analysed the most common markets together with our consultants we decided to charge a basic fee between $ 0.05 USD and $ 0.50 USD depending on the value of the goods using the shop.

We decided that private users can sell their goods free of charge through SHOPERA. In order to be fair towards the dealer, a private seller can advertise and sell max. 10 articles per month free of charge. By paying an extra fee, a private seller is also allowed to sell more articles. Please note that only purchases and sales are protected through PAYERA. By picking up the goods by yourself at the sellers destination unfortunately there will be no buyer s protection.

16 MORE ABOUT CARDERA With our concept a paying card should not be missing. We now have presented you two online solutions which offer a shopping paradise for crypto users With CARDERA, the crypto payment card for everyday use, we want to offer our customers being flexible even offline. You will get paid out your coins towards Fiat currency at ATMs or easily purchase your goods. For the future it is planned to introduce a partial or full salary deposit. (The card is going to cost $ 20.00 USD uniquely). Note: Dear prospectives and supporters, As there are actually problems concerning the visa cards of some designated entrepreneurs, we have been advised of a successful ICO to set the card in our roadmap deliberately on Q2 2020. Our intentions will be to reach our target earlier than planned and to market CARDERA successfully. Please understand that we are systematically following our targets step by step and don t want to promise anything we cannot realize.

17 ROADMAP 03.04.18 28.05.18 PRIVATE SALE FINISHED 30.05.18 20.06.18 PRE ICO OPEN 20.06.18 18.07.18 ICO Q4 2018 INFRASTRUCTURE Q1 2019 BETA WALLET / APP Q1 2019 OFFICIAL WALLET Q3 2019 SHOPERA BETA Q4 2019 OFFICIAL SHOPERA VERSION Q1 2020 ONLINESHOP APP Q1 2020 API INTERFACE Q2 2020 CARDERA Note: Dear prospectives and supporters, please keep in mind that the timeline of our roadmap will shrink drastically by reaching the hardcap. Q3 2020 CHARITY

18 TEAM

THANK YOU! This Whitepaper has been published on June 16 th, 2018 E-mail: info@payera.io Web: www.payera.io