Konios: F2F Cryptocurrency Exchange

Konios offers a F2F cryptocurrency exchange.

To ensure cryptocurrencies can be used by as many people as possible, the Konios platform has been designed to make cryptocurrency trading as secure and simple as possible. The Konios platform facilitates face-to-face (F2F) transactions with a user-rating system to incentivize honesty.

There are several steps involved in the F2F transactions. The first step is selecting the cryptocurrency to trade and the amount one wishes to trade using the app. The search function of the app will then find those who have what the user is looking for in the vicinity of the user. Users will be able to send a request to other users specifying the cryptocurrency they want to buy or sell, the amount, the date and time.

Once the other party agrees to a transaction, the equivalent amount of cryptocurrency is deducted from the account and stored in a smart contract. As an added security measure, users must scan a QR code to show they are present when meeting F2F. After the  transfer of cash at an agreed-upon location, both users will confirm that they have completed the transaction. The smart contract holding the funds will then release the cryptocurrency to the buyer. After the transaction is finished, the users can rate one another, thereby providing valuable information for future users of the platorm when dealing with them.

Just as the plaform is open to individuals, businesses can join to reap the benefits of F2F transactions, either buying or selling. Moreover, businesses can earn extra income by providing a secure checkpoint for transactions between users. For very large transactions, users can request a validator familiar and trained in the process to validate the transaction for a small fee.

Besides facilitating F2F transactions, Konios will offer a secure wallet allowing users to send and receive cryptocurrencies, exchange cryptocurrencies, and trade goods and services for cryptocurrencies. Combined, these features will make cryptocurrencies more appealing to ordinary investors.

As a Swiss financial platform, Konios will comply with the financial laws of Switzerland, especially as they relate to money-laundering.  Konios will take the necessary security measures to safegard accounts. Konios is headquartered in Zug, Switzerland, a hub of blockchain innovation in Europe.

Integral to the Konios ecosystem is the KON token that is issued to users as a reward for their participation, such as for registering on the platform and receiving positive feedback. KON tokens will also be airdropped to loyal token holders, thus reinforcing their ownership and loyalty to the platform. KON tokens will also be used as a basis for all transactions without which they cannot occur. The KON token is an ERC20 standard token based on the Ethereum blockchain.

The Konios ICO is taking place from May 1, 2018 to June 30, 2018. During the ICO, each KON token will sell for $0.01, with bonuses given to the earliest participants who join. As a financial platform based in Swizerland and using F2F transactions, this will be an interesting project to watch.

*I am receiving KON tokens for the growth of the community.

To find more information about Konios:

Website: https://konios.com/

Whitepaper: https://drive.google.com/file/d/1Nf6o1WJooXwv8KCe6vxxqoqmQFpIcMY1/view

LAPO: Decentralized Finance

LAPO is a decentralized financial platform.

To provide liquidity and essential financial services to cryptocurrency investors, LAPO is creating a decentralized platform based on the DASH blockchain. By establishing itself in this relatively new financial arena, LAPO has the potential to disrupt global finance and give consumers greater options over the management of their money.

The financial industry will be among the parts of the economy most impacted by blockchain technology. The trustless nature of the blockchain removes the need for brokers and intermediaries such as banks. Transactions will thus be faster and cheaper, benefiting businesses and consumers. Moreover, the blockchain will provide added security given its immutable and decentralized nature, preventing the altering of the ledger and any single point of failure. By using the DASH protocol with some modifications such as the ability to execute smart contracts, LAPO is positioning itself as a leader in the financial industry. DASH is known as a very fast and efficient blockchain with low transaction fees.

Among the goals of the LAPO platform is developing a user-friendly app that allows users to trade cryptocurrencies and convert them to fiat currencies with ease. The LAPO wallet that can be accessed with Android and iOS mobile devices, as well as desktops, will provide frictionless trading of cryptocurrencies, the ability to send and receive cryptocurrencies, and will give users access to their transaction history, among other features. LAPO will also offer other financial services such as loans to meet the needs of consumers. By providing liquidity and convenience to users, LAPO can serve as a potential catalyst for making cryptocurrencies go mainstream.

For businesses, LAPO will provide payment processing capabilities that will lower the costs of transactions and open up their potential pool of customers. Merchants can download the LAPO app and accept payments in cryptocurrencies from customers that will be instantly transferred to their accounts while avoiding the exorbitant fees charged by traditional payment processors. Additionally, LAPO will provide merchants with analytics that will provide insights into the behaviors and preferences of their customers.

The LAPO Coin (LAX) will be used to provide liquidity to the platform and is used in all transactions. LAX can also be used as collateral for loans. As the platform grows in popularity and use, the value of LAX may rise due to its limited supply based on the blockchain protocol. The LAPO platform will also allow users to create their own unique tokens as a means of exchange.

Currently, LAPO is conducting a presale to raise money for building the platform. The main crowdsale is taking place from May 1, 2018 to June 1, 2018. Cryptocurrency enthusiasts interested in a promising financial platform that uses the DASH protocol may want to look further into this project, given its potential to revolutionize the world of finance.

*I am receiving LAX for the growth of the community.

Author: pushups44

To find more information about LAPO:

Website: https://lapo.io/

Whitepaper: https://lapo.io/files/lapo-whitepaper.pdf

Telegram: https://t.me/lapoofficial


European Crypto Bank: Future Cryptobank

The European Crypto Bank makes cryptocurrency investing easy.

We are witnessing the dawn of a new asset class that will disrupt every major industry around the world, facilitated by the creation of blockchain technology. This asset class, currently valued over $250 billion, is cryptocurrencies. The European Crypto Bank‘s mission is to make the ownership and exchange of cryptocurrencies easy for everyone with its online platform.

Understandably, the traditional financial system has been hostile to the emergency of cryptocurrencies with attempts to deligitimize them. The CEO of JPMorgan Chase, Jamie Dimon, made the news last year for asserting that anyone at his company trading bitcoin should be fired. Since then, Mr. Dimon has backtracked on his attacks, showing that the traditional banking system must come to terms with the potential of blockchain technology, lest they fall behind in the industry by not embracing the latest innovations.

Blockchain technology, and in particular smart contracts, is especially menacing from the perspective of traditional finance because it renders intermediaries such as bankers and brokers unnecessary. Using the blockchain, users can transact in a secure and trustless manner, with contracts executing once the preconditions of both parties are fulfilled. This automated form of contract execution has the potential to significantly lower costs and increase efficiencies in many industries. The European Crypto Bank stands out by aiming to merge cryptocurrencies with traditional finance, so that users can enjoy the security and convenience of cryptocurrencies while receiving guidance from financial professionals to ensure they are in compliance with regulations.

The European Crypto Bank will allow users to trade major cryptocurrencies and fiat currencies in a fast and convenient manner. The platform will also allow users to exchange cryptocurrencies for traditional assets and services such as stocks, bonds, insurance, and real estate. By providing an array of financial services on a single platform, the European Crypto Bank will make managing finances easier for users.

One aspect that differentiates the European Crypto Bank from competitors is its focus on compliance with regulations around the world. Users will have to provide documentation to comply with KYC (“Know Your Customer”) and AML (“Anti-Money Laundering) laws, and will in turn be assisted by a team of tax experts to ensure they are in compliance with their jurisdiction. The adherence of these laws will bring greater confidence to not only the platform but also the cryptocurrency market as a whole, encouraging greater adoption of them by the public.

The native token of the platform, ECB, is ERC20 compliant, and thus can be stored in popular Ethereum wallets such as MyEtherWallet and Mist. In total, no more than 677,283,261 ECB tokens will be created, thus protecting token holders with a fixed supply. ECB tokens can be used to purchase services on the platform, and can also be used as collateral and to obtain credit.

The ICO for the European Crypto Bank is taking place from February 16, 2018 to May 1, 2018. From now to April 22, 2018, each ECB token will sell for .59 euro, with a seven percent bonus added. From April 23, 2018 to the end of the ICO, each ECB will sell for .63 euro. Investors must buy a minimum of 20 ECB tokens to participate. The soft cap for the project is 5,000,000 euros and the hard cap is 200,000,000 euros. Interestingly, the project has received a solid 4.3 rating from ICOBench. Cryptocurrency enthusiasts interested in a platform bringing liquidity to traders and investors, and that promotes compliance with tax laws, may want to look further into this bold project.

*I am receiving ECB tokens for the growth of the community.

Bountyhive ID: thepranksta

To learn more about the European Crypto Bank:

Website: https://www.europeancryptobank.io/

Whitepaper: https://europeancryptobank.io/wp-content/uploads/2018/02/WHITE-PAPER-ENGLISH-EUROPEAN-CRYPTO-BANK-ICO-12-02-2018.pdf


Midex: Finance Powered by Blockchain

Midex will provide financial services powered by blockchain.

With growing interest and use of cryptocurrencies, financial providers are needed to bridge the gap between cryptocurrencies and traditional finance. Midex is a licensed company that will offer its customers an array of financial services to meet their needs and bring cryptocurrencies to the masses.

Blockchain technology is transforming finance with its transparency, security, immutability, and cost-effectiveness. Transactions on the blockchain can be viewed by anyone, preventing hidden transactions or costs. The blockchain is also exceptionally secure, given that it is distributed and not dependent on any particular server that can be compromised. Transactions on the blockchain are immutable, preventing data from being manipulated or tampered with. Second and third generation blockchains such as Ethereum and Cardano have smart contract capabilities, allowing users to execute contracts with one another without intermediaries. The disintermediation of the blockchain thus brings substantial cost-savings to users. For the industry of finance, the disruption blockchain will bring in the coming years cannot be overstated, and Midex intends to be at the vanguard of this disruption.

Midex stands out from other companies issuing tokens by having a licensed exchange, Midex Exchange, that is live and operational. The exchange enables users to trade major cryptocurrencies and exchange them with fiat currencies. Over time, the currency pairs available for trading will expand. Being a licensed exchange in Estonia will give users more confidence in the platform, given that the company must abide by Estonian regulations. Besides its presence in Estonia, the company is headquartered in Hong Kong, with an additional branch in Russia.

Besides a licensed exchange, Midex will provide a debit and credit card, loans, insurance, and investment services. Later this year, after the crowdsale has completed, Midex will aim for a banking license. By providing these services, Midex will essentially fulfill all of services provided by banks, and will differentiate itself by serving the growing appetite of the public for cryptocurrencies. By using the Midex debit or credit card, users will be able to spend cryptocurrencies to buy real-world goods and services at millions of locations around the world. All of these services will be accessible using a user-friendly Dapp (decentralized application) on mobile, tablet, laptop, and desktop devices.

The native token of the platform, MDX, is ERC20 compliant and runs on top of the Ethereum blockchain. The token can be used to buy premium services and goods, access credit, and receive some of the revenue generated by the platform. In total, 75,000,000 MDX will be minted.

The Midex crowdsale is ongoing and ends April 15, 2018. During the crowdsale, each MDX token will sell for $1. Investors interested in a platform that aims to displace traditional financial institutions by offering consumers the full benefits of blockchain technology may want to consider, while doing their own due diligence, looking further into this project.

*I am receiving MDX tokens for the growth of the community.

To find more information about Midex:

Website: https://ico.midex.com

Whitepaper: https://ico.midex.com/docs/Whitepaper_EN.pdf

OTPPay: Making Cryptocurrencies Mainstream

OTPPay will allow the mainstream to use cryptocurrencies.

With blockchain technology potentially lowering the costs of transactions and providing greater transparency, OTPPay intends to be a leading online wallet using the blockchain to allow ordinary individuals to use cryptocurrencies whenever they wish. OTPPay stands for Omni Token Platform for Payments, which, besides facilitating payments, will also provide loans.

Blockchain technology is becoming an increasingly disruptive force in finance, given its distributed and decentralized nature. As a distributed and decentralized ledger, all users can see transactions that cannot be modified or reversed by any one party. Because transactions are immutable, they allow parties to transact in a trustless manner that does not require third parties such as brokers or traditional payment processors. Blockchain technology is also extremely secure, giving confidence to its users. Second-generation blockchains such as Ethereum can execute smart contracts, which are contracts that automatically execute when the conditions of two parties to a transaction are fulfilled.

By using blockchain technology, OTPPay will lower the costs for merchants and bring savings to consumers by letting them transact without intermediaries. The dominant payment processors of today charge one to five percent for transactions, which not only reduces profits for merchants but also leads to increased costs for consumers, given that the costs are passed on to them. By contrast, OTPPay will charge .5 percent to support the further development and marketing of the platform.

The reduced costs for merchants will be especially beneficial to those with thin margins and those saddled with costs. With substantial cost savings for merchants, some of this will be passed onto consumers in the form of loyalty programs and other discounts. For the billions of unbanked people in the world today, particularly in developing countries, the ability to bypass the traditional banking system by making payments using mobile devices will provide new opportunities to obtain needed goods and services. Additionally, OTPPay will provide lending services with credit ratings based on the histories of customers.

Though OTPPay will offer debit cards, users can pay for goods and services with a user-friendly app that allows them to scan the QR code of a merchant to make an instant payment. The platform will also allow payments to be made using NFC (near field communication), which allows payments to be made in a contactless manner using a mobile device. The app will allow users to see their ownership of cryptocurrencies and transaction histories, and will allow users to set their own security settings. Importantly, the platform will use advanced algorithms to detect fraud and protect users.

The native token of the platform, OTP, will be used as the basis for all transactions and will be required to use the platform. As the native token of the platform, it will ensure continuous liquidity and frictionless trading with other cryptocurrencies. 1,000,000,000 OTP tokens will be minted in total, with no possibility to create or mint new ones, thus supporting the value of this utility token. Each month, .10 percent of the transaction revenues earned by the platform will be used to buy back tokens that will be permanently burned, reducing the supply over time.

The pre-ICO of OTPPay is taking place from March 5, 2018 to April 3, 2018. The ICO will take place from April 4, 2018 to June 2, 2018. During the pre-ICO, one ETH will purchase 16,000 OTP tokens, and during the ICO one ETH will purchase 8,000. As an innovative project aiming to disrupt finance, OTPPay will be a project to keep an eye on.

*I am receiving OTP tokens for the growth of the community.

To find more information about OTPPay:

Website: https://otppay.io/

Whitepaper: https://otppay.io/Assets/otppay-whitepaper/OTPPAY_White_paper_v1.1.pdf

Forty Seven Bank: Connecting Crypto and Traditional Finance

Forty Seven Bank combined cryptocurrencies with traditional finance.

Forty Seven Bank has emerged to connect the worlds of cryptocurrencies and traditional finance, given that they have been divided due to the rapid emergence of blockchain technology and its potentially disruptive impact on traditional businesses. The Forty Seven Bank thus aims to offer services that combine these two areas of finance to meet the needs of consumers and help bring cryptocurrencies into the mainstream.

For individual consumers, Forty Seven Bank will provide Multi-Asset Accounts to allow them access to all of their bank accounts on one platform. In addition, Multi-Asset Accounts will provide access to cryptocurrency and credit and debit card services, among other services, on the same platform. Having all of these features on a single platform will bring needed convenience for consumers that is currently lacking in the market, allowing Forty Seven Bank to seize a wholly untapped market with enormous growth potential.

Forty Seven Bank will issue cryptocurrency linked debit cards.

Given the importance of security, Forty Seven Bank aims to use biometric software to prevent fraud. According to its whitepaper, Forty Seven Bank will develop software so that customers van verify their identity at points-of-sale (POS) terminals by providing a thumb fingerprint. These POS terminals will have scanners allowing for identity verification.

Forty Seven Bank will ensure customers can buy or trade cryptocurrencies with ease by providing a cryptocurrency wallet. Customers will be able to check the value of their holdings and cryptocurrencies they are interested in acquiring. They will also be able to send and receive cryptocurrencies using the wallet, request payment, and view their transaction history. To ensure security and peace of mind to customers, the platform will guard the private keys of customers so that funds are not lost or stolen.

In addition, Forty Seven Bank aims to provide access to products such as bonds, futures, and options. Businesses will be able to attract capital using the platform by issuing their own “cryptobonds” (cryptocurrency bonds). These bonds will be liquid and tradeable both within the Forty Seven Bank exchange and elsewhere.

Given the unique offerings of Forty Seven Bank and their expansive view of technological trends, this project is likely to meet enormous success if it executes on its ambitious ideas and plans. As among the first-movers in the cryptocurrency arena aiming to bring convenience and liquidity to mainstream consumers while offering simplicity and security, investors have thus far been enthusiastic about the project.

The crowdsale or ICO of Forty Seven Bank began on November 16, 2017 and ends March 31, 2018. The Forty Seven Bank token, FSBT, is ERC20/EIP20 compliant and runs on top of the Ethereum blockchain. According to its website, a maximum of about 11 million FSBT will be minted, and 90 percent will go to contributors while the rest will be split between the founders and for the bounty, or marketing, campaign to promote the platform.

For more information about Forty Seven Bank:

Website: https://www.fortyseven.io/

Whitepaper: https://drive.google.com/file/d/0BzvESRkgX-uDeHc1QjRzbHRBelU/view

Credits: Blockchain for Finance and IoT

Credits is a next-generation blockchain for finance and IoT.

Setting out to address the problems encountered by popular blockchain protocols, such as bitcoin and Ethereum, Credits has emerged to allow for scalability and its implementation into resource-intensive industries such as finance and the Internet of Things (IoT) that require speed and low transaction costs. Similar to Ethereum, the Credits platform is able to execute smart contracts and has its own cryptocurrency.

In order to meet the increased demands of the business world, Credits is designed to process up to one million transactions per second, with the goal of reaching 10 million in time. The average transaction time is three seconds and the cost of each transaction is a fraction of one percent. These features distinguish the Credits blockchain and will allow it to be used for finance and IoT.

Credits aims to resolve many of the fundamental challenges faced by current blockchain platforms. Among the issues the Credits platform aims to solve is the latency issue currently plaguing both bitcoin and Ethereum. Latency is defined as the actual response time compared to the expected response time. Transactions take more than ten minutes on average for both of these networks, whereas credit card transactions generally are done in seconds. For blockchain to truly revolutionize finance, faster transactions with faster confirmations are needed. Additionally, the lack of sufficient bandwidth capacity currently prevents bitcoin and to a lesser degree Ethereum from being used for everyday or microtransactions. The Ethereum network in particular accumulates tens of GB of data each week. By contrast, Credits aims to avoid the unmanageable buildup of data while retaining the benefits of blockchain technology.

For any blockchain protocol to meet the needs of finance and IoT, it will need to be exceptionally secure, which Credits accomplishes in some novel ways. For example, Credits uses homomorphic encryption, which uses encrypted queries at all steps of the iteration process. In addition, a hash search is done every time a new transaction pool is added to the registry in order to identify untrusted nodes. The Credits platform also uses federative decision-making to verify legitimate transactions and minimizing illegitimate ones. To prevent centralization, each node can be a primary or trusted node only once in a designated period of time. Finally, the number of nodes in the network can be continually increased to counter centralization.

To increase capacity, Credits will compress network data by up to 90 percent, allowing for faster loading of data. It also uses its own consensus protocol to make transactions faster. This protocol uses proof-of-work principles by calculating the mathematical function of all registry transactions. As part of its incentive structure, the owner of  the main network node is compensated with 50 percent of transaction fees, with the remaining 50 percent distributed to trusted nodes.

The Credits ICO will run from February 15, 2018 to February 28, 2018. During the ICO, the Credits token, CS, will sell at 5,000 for one ETH. A minimum contribution of 0.01 ETH is required, and those who contribute 10 or more ETH will need to go through a Know Your Customer (KYC) procedure that requires identification. A total of 1,000,000,000 CS tokens will be generated, and they will be the currency of the Credits platform. The soft cap for the ICO is $15 million and the hard cap is $20 million.

Given that Credits is designed to accommodate the needs of finance and IoT — the latter increasingly important for blockchain platforms to handle — the potential returns for investors are enormous. With over $3 million raised during the pre-sale, investors have shown plenty of enthusiasm for this novel project. If the roadmap is fulfilled, Credits will be among the leading blockchains used globally in the next few years.

*I am receiving Credits tokens for the growth of the community.

Disclaimer: Investing in cryptocurrencies carries significant risk. None of the material on this website should be construed as investment advice. While bitcoin is a cryptocurrency that has proven itself as useful over time, Credits has a lot to prove to the industry as a nascent project. 

For more information about Credits:

Website: https://credits.com/en

Whitepaper: https://credits.com/Content/Docs/TechnicalWhitePaperCREDITSEng.pdf

Credits ANN thread: https://bitcointalk.org/index.php?topic=2401248

Credits Twitter: https://twitter.com/CreditsCom

Credits Facebook: https://www.facebook.com/creditscom/

Credits Telegram: https://t.me/creditscom

Covesting: Copy-trading the Professionals

The Covesting COV token allows ordinary cryptocurrency traders to copy the trades of professionals.

Though ICOs have flooded the cryptocurrency market with unoriginal or useless ideas, Covesting has emerged as a unique, valuable proposition to investors and traders of cryptocurrencies: the platform provides the ability to copy the trades of professionals and share in their profits. The team behind Covesting has many years of financial and software experience, and the team is poised to complete a successful ICO with substantial funding and the drive to execute their novel ideas.

In a nutshell, Covesting allows traders and investors to copy the trades of professionals, also called models, by giving them 18 percent of their profits. Covesting will keep 10 percent of the profits as commission, and the remaining 72 percent will go to those using these models. Users of the platform can copy up to 20 models at a time, and the platform will allow for frictionless conversion of investments in real-time. This system has the effect of incentivizing all parties, creating a positive feedback loop that will ensure a growing ecosystem within the platform. The more successful the models are, the more users are going to copy their trades, thus allowing the models to generate significant revenues based on their success. Conversely, ordinary traders lacking the proficiency of the professionals can take advantage of their skills to enjoy a large percentage of their gains.

The Covesting platform allows users to mimic the trades of the best performers.

The CEO and founder of Covesting, Djmitrij Pruglo, has 12 years of experience in Forex, options, futures, commodities, and bonds. Previously, he was among the top performers at the SEB Bank Investments department. He also performed well as a trader for Saxo Bankin Denmark. The Covesting team is also stacked with experts in financial markets, blockchain, and software development to bring the goals of the platform to fruition.

The primary token used within the ecosystem is the COV token, which is ERC20 compatible and runs on top of the Ethereum protocol. Covesting will use at least 50 percent of the profits from transactional fees to buy back COV tokens and burn them, thus shrinking the supply of COV tokens over time. A reduced supply of COV will benefit long-term investors by increasing their value. The COV token will be available to investors at a discount until the ICO ends on January 15, 2018.

To find more information on Covesting:

Website: https://covesting.io/

Whitepaper: https://covesting.io/Covesting_White_Paper.pdf

Crypterium Cryptobank: Making Cryptocurrencies Mainstream

Crypterium seeks to make cryptocurrencies mainstream with its Cryptobank app.

With cryptocurrencies exploding in popularity among investors due to exceptional gains in recent years, and the difficulties in converting them to fiat currencies to fully realize those gains, Crypterium has emerged as a bridge between the cryptocurrency and fiat worlds. Crypterium will create its own Cryptobank app, which will allow for quick and cheap conversion between cryptocurrencies and fiat currencies.

With blockchain at the very early stage of its development and potentially revolutionizing the economy, its user-unfriendliness thus far has been a deterrent for most investors and internet users. Eyeing what is potentially a market in the trillions of dollars, Crypterium aims to build an infrastructure allowing ordinary people to manage their cryptocurrencies with ease and to spend them with virtual cards. As one of the first companies attempting to make cryptocurrencies mainstream and given its team’s marketing knowledge and experience, Crypterium will likely be able to capture a significant portion of this largely untapped market.

Central to the Crypterium platform is the Cryptobank app that will allow users to manage and view their cryptocurrency holdings, and frictionlessly convert them to fiat currencies. The Cryptobank app will be available to Android and iOS users, and will allow users to quickly and easily set up their own account. The Cryptobank app will even allow users to obtain loans based on their credit score and transaction history. The CRED subtoken will be used for the issuance of loans within the platform, and it too will easily be convertible to fiat currencies.

The Crypterium app will bring cryptocurrencies mainstream.
The Crypterium app will bring cryptocurrencies mainstream.

The token that will be necessary to use the Cryptobank platform and that will serve as the fuel for the ecosystem is the CRPT token, which is ERC20 compatible and runs on top of the Ethereum blockchain. Each time a user spends using the Cryptobank platform, an equivalent of 0.5 percent of the transaction of CRPT is burned, thus continually reducing the supply of tokens over time. The continual burning of CRPT tokens and their usefulness within the Crypterium ecosystem will drive up their value over time. Moreover, token holders and users of the platform will receive 30 percent of the transactional income each month through the Monthly Loyalty Fund (MLF). Initially, the supply of CRPT will be no more than 300 million.

The initial coin offering (ICO) of Crypterium ends January 18, 2018, and during this time investors will be able to purchase CRPT tokens at a discount, with greater bonuses available depending on how early they are bought. Thus far, Crypterium has raised over $30 million, which will enable the project to develop and market the platform to fulfill the goals in its roadmap.

*I am receiving Crypterium tokens for the growth of the community.

Cashaa: Next Generation Banking

Cashaa will make finance more accessible.

Cashaa, a project which aims to provide banking and financial services conveniently and affordably all over the world, has emerged as one of the leading players in the blockchain sphere. By utilizing blockchain technology, Cashaa aims to provide services to populations that were previously excluded, and to reshape finance in a way that makes it cheaper, more accessible, and transparent.

Among the services Cashaa will provide is an online wallet for customers to deposit, transfer, and receive fiat currency or cryptocurrency. Additionally, this wallet will allow customers to trade cryptocurrencies. This wallet will be available for free as a mobile app for Android and IOS users. Using the app, customers will be able to submit information and documents to comply with KYC (Know Your Customer) and other financial regulations. The app will also allow customers to view their transaction history and spending analytics.

The Cashaa app offers free financial tools.
The Cashaa app is user-friendly.

Customers using Cashaa will also be able to obtain a prepaid card for use at millions of locations worldwide. Cashaa has established partnerships with leading payment processors, thus allowing customers to use wherever these payment processors are accepted. These prepaid cards will also allow customers to spend their cryptocurrency with the platform’s built-in real-time exchange capabilities. Potentially, this will stimulate further demand among customers for cryptocurrencies as they experience just how liquid they can be.

The Cashaa platform will also allow peer-to-peer micro-loans, which potentially can open the financial gateway to millions of people who otherwise could not obtain loans. Since less than one in 10 people in developing nations have a credit history, according to the World Bank, Cashaa tokens (CAS) can be used as a substitute by lenders. Lenders can provide loans individually to borrowers or can pool funds together to provide them, thus minimizing risk. With these expanded opportunities to obtain financing, developing economies will benefit from increased investment and liquidity.

The CAS token is EIP-20 compatible, allowing it to be traded at major exchanges and used with popular Ethereum wallets. As an EIP-20 token, CAS runs on top of the Ethereum blockchain, a distributed, decentralized ledger with immutable transactions. As stated in the whitepaper, the CAS token will be the main source of fuel of the Cashaa ecosystem, and will give token holders certain benefits on the platform such as the ability to obtain membership to use premium services, to trade cryptocurrencies, to get lower transaction fees for remittances, to obtain a credit score for lenders, to help govern the platform, and to transfer it securely within the peer-to-peer network. Those who use CAS tokens to obtain premium membership can obtain overseas medical insurance and 24/7 customer support.

The Cashaa token sale began on November 6, 2017 and ends December 5, 2017. Out of approximately one billion CAS tokens minted, half will be available for purchase during the token sale. A quarter of these tokens will be used to ensure liquidity and to manage the project, and another 20 percent will be given to the founders, employees, and advisers to merge their interests with those of investors and other token holders.

To learn more about Cashaa and the token sale:

Website: https://cashaa.com/

Whitepaper: https://cashaa.com/pdf/Cashaa_WP.pdf 

ETH address: 0x7B4E5008A6b7b4611b6Aa8926E542fEb71a69c2F