BITEX - The First Locally-Embedded Global, Crypto-Bank

The time when cryptocurrencies become first-class citizens of the digital economy is fast approaching — the question is not “if” but “when” this will happen. When that time arrives, the need to provide financial services for this emerging economy will be critical to fuel its growth. BITEX expects to be ready when that time comes by becoming the first locallyembedded crypto bank. It aims to provide financial services to the cryptocurrencybased digital economy that is relevant and useful to the local customer base in each region where it operates, while being available globally. BITEX will provide
cryptocurrency-based banking services for digital customers through a licensed technology platform available to local partners.


BITEX believes that it can make the greatest impact on society by working at the local level, and ensuring that the benefits of this new cryptocurrency-based digital economy can also be felt by those under-served or left out of the current banking system. Thus, instead of starting out immediately as a global bank, BITEX wants to ensure that its solution has a local impact. BITEX ’s crypto-banking services include:
● Customer care, user experience and governance that is localized;
● An ERC-20 compatible digital wallet for securely storing a customer’s cryptocurrency balances on a personal mobile device;
● The ability for using the mobile wallet with a virtual debit card for payments, exchanges and transfers;

Various Point of Sale solutions (both hardware and software based) for merchants to accept payments in their local currency from consumers;
● Currency exchanges between the G20 fiat currencies and various popular cryptocurrencies;
● Large scale business-to-business payments;
● Personal loans

BITEX will launch in mid-2018 with a subset of banking services offered to customers in 8 countries (Hong Kong, India, Japan, Korea, Philippines, Singapore, Thailand and the United Arab Emirates), with plans for expanding its reach in the future. Services will be operated by local partners that license the BITEX platform as a franchise and who will register with the financial authorities in their respective countries. By working with local partners, who have a much better understanding of local customers and regulators and making available localized applications and customer support, the BITEX crypto-banking platform becomes the most accessible crypto-banking solution on the market.

A payment infrastructure based on ATMs and mobile card readers is being developed for the BITEX platform that will be installed in over 20,000 locations throughout the world as the services are rolled out. BITEX will also offer APIs to its platform that will allow 3rd party developers to create useful, country-specific features and applications.

BITEX is conducting an Initial Coin Offering of its utility token, the BITEX Coin with symbol XBX, to promote the use of the BITEX crypto-banking platform. As described in this White Paper, XBX will be used for access to the services offered by the Bitex platform. After the ICO, the token will be available for purchase from other XBX token holders at BITEX ’s exchange as well as other well-known crypto exchanges. BITEX will demonstrate the local impact it will have in each country where it is licensed by offering a relevant localized financial service bundle and redefining how financial services for this new cryptocurrency-based digital economy can be delivered. While there are multiple incumbents in the crypto-banking space, Bitex expects that this hyper-localized strategy will give it an edge in creating, over time, the first truly global crypto-bank for mainstream consumers.


Cryptocurrencies Are Moving Into Everyday Commerce

However, crypto exchanges offer only the ability to exchange one’s holdings between currencies (fiat/crypto and crypto/crypto) which serve only a small part of the financial needs of a growing crypto-economy. If commerce based on cryptocurrencies is to progress to the point of having these accepted as a proper medium of exchange for goods and services and take its place as a peer to fiat currencies, it is necessary to create new institutions that can cater for the needs that people have come to associate with financial transactions. These include the ability to store currency, exchange between currencies as needed, use currencies for payment of goods and services, automate bill payments, take out loans, etc. — in short, the services currently provided by commercial banks throughout the world.
A crypto-bank, therefore, is the new institution required for this growing digital economy based on cryptocurrencies. It goes beyond the confines of a traditional commercial bank by offering services to its consumers on
● a global scale, unhampered by national boundaries, although subject to national/local laws pertaining to banking and finance;

● a decentralized, distributed and immutable ledger which cannot be affected by any single point of failure or compromise;

● the ability to carry out pseudonymous transactions between parties where trust is captured through cryptographic means rather than written contracts or external supervision;

● include cryptocurrencies as equal partners to fiat currencies in transactions between individuals, individuals and businesses, and between businesses;

● the ability to conduct escrow payments through cryptography rather than traditional, time consuming payment methods.

Serving local needs

BITEX believes that it can make the greatest impact on society by working at the local level, and ensuring that the benefits of this new cryptocurrency-based digital economy can also be felt by those under-served or left out of the current banking system. Thus, instead of starting out immediately as a global bank, Bitex wants to ensure that its solution has a local impact. To that end, Bitex has structured itself so that its core banking platform is operated by local franchise holders in various countries/regions that comply with local laws and regulations, and understand the local context best so as to tailor localized financial services that positively impact the local economy.

BITEX ’s model of embedding a local solution using a common platform is not unlike that of Uber’s model. For example, Uber uses local managers and employees to create variants of its services to cater to local differences — what worked so well in the US is unlikely to be as successful in India, for instance5 — while regulatory differences force a variety of approaches6. Similarly, BITEX will not be a one-size-fits-all cryptobank, but adapt itself to local circumstances.


STAKEHOLDERS AND SERVICES ON THE BITEX CRYPTO-BANKING PLATFORM

The following subsections describe the stakeholders/participants in the BITEX cryptobanking ecosystem and the service available to or provided by each. The two main components of the Bitex crypto-banking platform are:
●BITEX Pay , the next generation payment solution for both consumers and merchants; and
● EZBITEX , the currency exchange and banking infrastructure with a decentralized, distributed and immutable ledger provided by BITEX , which underpins the functioning of the entire system. The function of each of these is described systematically in the following subsections from the point of view of the different stakeholders/users of the BITEX system.

BITEX customers will be able to avail of bank-like services (payments, currency exchange and transfers, debit card, and personal loans) that will be offered in 8 countries initially. Specifically, consumers will be able to take advantage of the following services.

Payments to Merchants using BitexPay

 BITEX Pay represents the service offered by BITEX to consumers and merchants for payment of goods and services using cryptocurrencies. Merchants will be able to accept payments in cryptocurrencies or fiat currencies of their choice. Consumers who sign onto the BITEXPay solution will be provided with ERC-20 compatible wallets that contains their cryptocurrency holdings. Initially, BITEX will only support the following cryptocurrencies: BTC, ETH, and LTC and the BITEX Coin, XBX. As new currencies are added to the EZBITEX exchange, consumers will be informed of the availability of these via mail or social media. A consumer’s wallet, maintained on her ubiquitous mobile device, is called the Holding Wallet and will be under her complete control. BITEX will have no control or access to this wallet. Thus, in this decentralized banking environment, consumers maintain their private keys and remain custodians of their own funds. Every BITEXPay Holding Wallet will have a BITEXPay account with an associated virtual BITEXPay debit card linked to the assets held in the wallet. Consumers will be provided, upon request, a physical debit card.

To use the assets in the Holding Wallet, a consumer will transfer any amount in crypto assets that he deems suitable to one of several different types of wallets maintained by BITEX . We describe another wallet — the Payment Wallet — in this section. A Payment Wallet is associated with a consumer’s BITEXPay account on the EZBITEX platform and represents, in a sense, a “debit account” used for payments of goods and services. It is expected that consumers will maintain a suitable balance in their Payment Wallets to ensure a quick and seamless buying experience when the need arises. A consumer’s virtual (or physical) debit card balance will be the amount stored in his Payment Wallet.

Business to Business payments
The EZBITEX platform will offer a payment gateway through which merchants or businesses with BITEX accounts can pay each other for goods and services. This payment service will operate globally. The merchant/business that wants payment for goods or service provided can generate an invoice or a payment request in the form of a QR code or link which is shared with the payer. The invoice also contains information similar to those used in traditional cross-border banking payments including the payment purpose and the registration and tax details of the two parties. The link in the invoice takes the payer to a payment page on the EZBITEX portal where the details are confirmed.
Payment is made from the payer’s merchant account to the payee’s account. If required, an exchange can be made from the (crypto)currency in the payer’s wallet to the (crypto)currency in which the payee wishes to accept payments. Both parties can download receipts from the EZBITEX platform to confirm the payment as well as for tax or corporate accounting purposes.


THE BITEX CRYPTO-BANKING PLATFORM — EZBITEX

The BITEX crypto-banking platform allows consumers to process payments, transfer,exchange and take loans in cryptocurrencies, all from their smartphone.The backbone of the BITEX crypto-banking platform is the decentralized exchange called EZBITEX . The EZBITEX platform will:
● Offer conversions from crypto to crypto, from fiat to crypto and from fiat to fiat all in this one exchange;
● Offer payment gateways (provided by established third parties such as Braintree or Stripe) for the purchase of cryptocurrencies using a credit card, debit card or online banking;
● Host the various types of consumer wallets (Payment, Trading, Staking, Loan) associated with consumer accounts and provide the various services described in earlier sections;
● Provide APIs to access the EZBITEX functions to third parties that want to use EZBITEX as their payment platform;
● Provide BITEX -branded ATMs in locations where BITEX operates, to allow use of physical and virtual BITEXPay cards as well as third party “Powered by BITEX ”cards;
● Offer business-to-business payments for goods and services with invoices andreceipts.

The EZBITEX platform software will be licensed by BITEX to local partners who will obtain all necessary permits from the local financial authorities for operating franchises in that locality. EZBITEX will launch in mid-2018 with a subset of banking services offered to customers in 8 countries (Hong Kong, India, Japan, Philippines, Singapore, South Korea, Thailand, and the United Arab Emirates), with plans for expanding its reach in the future

By working with local partners, who have a much better understanding of local customers, partners, and regulators, and making available localized applications and customer support, the BITEX crypto-banking platform becomes more accessible and is a major differentiator compared to similar efforts.
The EZBITEX platform will be deployed in several globally dispersed data warehouses for redundancy. The infrastructure will be secured with a military-grade security solution implemented by a well-known security firm that wishes to remain unnamed (to thwart hackers who may know ways to circumvent some of its threat mitigation techniques).

THE XBX TOKEN

All financial transactions on the EZBITEX platform will be fueled by the XBX token. The XBX token is therefore the utility token that allows various stakeholders in the BITEX financial ecosystem to use its offered services. These tokens, of which there will be a total of 300,000,000, will be available only during the Initial Coin Offering (ICO). No XBX tokens will be issued after the ICO. Afterwards, the XBX token is expected to be listed on various crypto exchanges including the EZBITEX exchange. Such listing exchanges which will be identified later. Stakeholders can purchase XBX tokens from these exchanges or other token holders.

Use of the XBX Utility Token

Transaction fees
Every transaction on the EZBITEX platform will incur a transaction fee which is a percentage of the transaction value, calculated in XBX at the current exchange rate for its conversion on the EZBITEX platform. Fee-incurring transactions on the EZBITEX platform include conversion between a fiat currency and a cryptocurrency, between pairs of cryptocurrencies, payments (by the seller) for B2C purchases, and cryptocurrency transfers (by the sender). Every exchange between a fiat currency and a cryptocurrency also requires that an amount of XBX corresponding to 0.55% of the transaction amount is “burnt” and removed from the total amount of XBX in circulation. A smart contract created on the Ethereum blockchain will record the fee for every transaction, the equivalent amount of XBX removed from circulation and provide the current amount of XBX in circulation. Given the expected amount of XBX in circulation after the ICO, it is anticipated that the supply of XBX available for the continued use of the EZBITEX platform will last many decades.

Loans
Consumer loans will be denominated in and paid out in XBX tokens. For collateralized loans, the loan amount will be based on the current exchange rate on the EZBITEX platform for the cryptocurrency offered as collateral . Consumer may repay the loan balance (and regain the collateral) using XBX tokens.

BENEFITS OF THE BITEX CRYPTO-BANKING PLATFORM

Consumers
The EZBITEX crypto-banking solution requires consumers to maintain their own crypto wallets (the Holding Wallet) on their mobile devices. No private keys for this wallet are shared with the EzBITEX platform. A truly decentralized way of storing the other customer wallets (Payment Wallet, Trading Wallet, etc.) on the BITEX platform and using the platform only when needed will allow BITEX to ensure that customer assets are safe from hacking or other attacks. Alongside with this, BITEX will encrypt development source code as well as use PCI Standard Certification for security in the near future. A personal, mobile wallet makes the BITEX crypto-banking solution widely available, as recent studies show that mobile penetration is widespread throughout the world and allows a greater percentage of the population in under-developed countries to participate in financial transactions than have access to conventional banking services.

By maintaining control over one’s wallet, and sharing only certain amounts deliberately with BITEX for various purposes such as purchases or transfers, consumers will not have their entire crypto assets under the control of a centralized entity (as is the case with current crypto-exchanges) with all the security risks that it entails. Consumers will not arbitrarily or capriciously be denied the ability to purchase cryptocurrencies in any exchange using credit cards offered by third parties that are “Powered by BITEX ” or their BITEXPay debit cards. EZBITEX as the card processing network will ensure that such transactions are authorized by the card issuer.

Merchants
Merchants have multiple options for receiving payments - via a mobile EZBITEXPay app, QR codes, and card readers. "> Online merchants can add BitexPay as a payment option to their e-commerce portals. Again, for simple merchants (such as street vendors) the ubiquitous mobile device can be the merchant’s receiving wallet. There is no need to have a traditional bank account.

POST-ICO FUNDS DISTRIBUTION

The distribution of the Funds after both phases of the ICO. The funds raised from the sale of XBX tokens that take place during the pre-ICO and ICO phases will be used for the following purposes in the proportions shown:
● 47% will be spent on ongoing development of the BITEX , EZBITEX , and BITEXPay platforms;

● 17% will be spent on registration fees, legal and accounting expenses for building franchises in more regions where Bitex seeks to register its financial services;

● 13% will be spent on marketing ap physical locations (Kiosks and Retailers), the Web (through social media) and using cross-border payments partnerships;

● 10% will be spent on recruitment of a banking team with expertise in the financial industry;

● 8% will be spent on administrative expenses for running Bitex Global;

● 5% will be spent on investment in development of BITEX -related apps and platforms supporting the future expansion of BITEX.

FOR MORE INFORMATION :

Website                                        : https://ico.bitex.global
Whitepaper                                  : https://ico.bitex.global/docs/XBX-Token-WhitePaper.pdf
Facebook                                     : https://www.facebook.com/bitex.global/

Authors                                        : tellysa
Bitcointalk's profile                     : https://bitcointalk.org/index.php?action=profile;u=1898514 

Tripus - Tourism Blockchain

What is Tripus?

TRIPUS platform was created as an ecosystem revolution that will bring travelers and travel service providers from around the world to submit quality reviews and discount codes. This is a The resources for travel ad agencies - from the construction of tourists and travel, experts can do more than selling or buying services. Our platform will give users all the advantages of technology block chain

The vision of Tripus?

Platform TRIPUS designed as an optimal solution for the problems plaguing both tourists and vendors tourist services: it is an ecosystem that allows all users to connect through background TRIPUS foundation, planning trips efficiently and quickly, saving money and participate in the review sites as well as trips for active community in a dynamic way.

Why We Need Tripus Token (TRIP)?

TRIP token is a utility token. TRIP token will be used as the sole means of payment in TRIPUS Platform. Furthermore, TRIP will be used to reward those who commented on the arbitration commission for their services, and so the referee awarded bonuses for users of different platforms

MVP is available on website.
• Q1 2019 Creation of personal cryptocurrency wallets and App wallet on android and IOS
• Q2 2019 Launch of integrated debit cards
• Q3 2019 The TRIPUS Platform becomes fully operational


Difficulties preparing for a trip
a. Research:
Currently, tourists have to spend dozens of hours to plan a trip truly successful, use a lot of resources
-manuals, WikiTravel, Tripadvisor, Booking.com, Hostelworld, AirBnB, etc. But, most people do not have enough time or experience to filter through so much amounts of information.Practical example: hunting wildlife Africa. Millions of tourists dream to see the Big 5 in the steppe, but most of it are beyond their budget: indeed, the company is organized safari charged $ 300+ per person per day even for tours. Meanwhile, in places like Uganda, one can hire a jeep self driving for 40 dollars a day, sleeping in campsites with 10 dollars and in all national parks a free and without any travel agent yet with just 20 dollars. So totally can see lions, elephants and hippos under $ 70 a day. If only those independent travelers can easily access the information and service providers - or can accompany a traveler with more experience, carers organizations -hunting can become much more reasonable.

b.Communication:
Although providers local service Wonderful exist in most places (guide, motels, drivers, etc.), but they can hardly find contact information (many do not have website) or contact us by email or phone.

c.Language:
Many valuable resources, reviews and explain the value is not written in English, but rather in French, Chinese, etc. In addition, many service providers can’t write in English, further complicating communication.

d.Comfort zone:
For many people, traveling independently can present a challenge overall -some last tourists feel unsafe even when no real danger. The world is full of beautiful destinations where visitors will feel comfortable e.g probably from Kashgar to Kosovo and from Ethiopia to Svalbard).When faced with such difficulties, most travelers will be very confused and need advice, a feeling or a review from an expert review fame, prestige. Those who decide to make the trip with information about the place prepared unclear frustrated than what they themselves learn, research, places they came often lack the appeal and not as expected.

1.Tripus Platform ecosystem
Platform TRIPUS designed as an optimal solution for the problems plaguing both tourists and vendors tourist services: it is an ecosystem that allows all users to connect through background Tripus foundation, planning trips efficiently and quickly, saving money and participate in the review sites as well as trips for active community in a dynamic way.





In this section, we present an overview of the platform architecture and the main functions. One of the great advantages of technology blockchain the new functionality can easily be added using the contractintelligence is or is modified a little while retaining a degree of transparency and security full of all transactions. The platform can be developed as an eco-system hierarchy mainly, provides users with an excellent opportunity to join a dynamic community, become experts recognized and implementing customized targeting with their personal career.The following subsections describe the main features of the platform available for the owners of personal accounts and businesses. Both types of accounts will provide similar functionality but is divided for tax purposes and to simplify the calculation of fees and commissions. Owners account will now have access to tools more ads on the platform and will be able to get many different additional services in exchange for a monthly subscription fee option; moreover, business accounts will face certain restrictions when contacting private users to prevent spam. All internal payments in the platform will be implemented using the TRIPUS token -token of the official platform.Users will be able to store the token Tripus and variety of cryptocurrencies in the wallets of their personal background, immediate exchange between different types of cryptocurrencies.

2.Planning trips using the 

TRIPUS PlatformWhen travelers are choosing trips based on our passed the review of the reputable in the tourism industry based on the degree of credibility is evaluated by technology blockchain, visitors will get a trip go full of fun and really satisfied. Traveller will not have to take too much time to learn and research about where you prepare arrived, all was encapsulated in the review article.

3.Placing review on the platform
Review section on our platform will be the main tool for tourism businesses advertise their services or for individual users request or service providers who pay for professional review. Business account holders will need to advertise their basic services as a basis for their activities on the platform TRIPUS. All service contracts will be based on smart: when users register for the service, the necessary funds from their purse will be paid; once the service has been transferred (to be confirmed by the parties), the amount (in token of TRIPUS ) is automatically paid immediately for evaluation. All internal payments between users will be done by token TRIPUS . Tripus token holder will earn a small commission on each transaction.

4.System of ratings
System our ratings will form an integral element and not extremely important TRIPUS platform. Indeed, the evaluator will be able to earn ranking points for a variety of activities. Service providers can increase their ranking by providing good service to tourists (in addition to payment for a service). Individual users can earn likes by posting the information valuable and accurate about sights, transportation, etc. by writing reviews or make small requests posted by other users. It's a well known fact thatactive users on resources such as TripAdvisor, WikiTravel,or Thorntree spend time posting information and answer questions of other people do not simply wish to become a member value and respect of the community, earn a high rating. TRIPUS platform, this natural desire to be respected and recognized as an expert will act as the main motivation for users to expand the knowledge database.Apart from the respect and recognition, there will be material rewards to be ranked higher: users get the highest ratings will be able to participate in getting many commissions and settlement of disputes between the another user. The members of the arbitral tribunal and the reviewer will get paid for their work in TRIPUS
.
5.Paying for services on the TRIPUS Platform
As wementioned above, the token TRIPUS (TRIP) -token TRIPUS official platform -will be used for all transactions between users. In the first phase of the project, all payments will be made using personal cryptocurrencywallet; in the later stages, the foundationwill work with one or more banks issue debit cards TRIPUS , this will allow the use of cryptocurrency money in the wallet to pay for purchases offline and online .

Token Sale Information
Ecosystem platform TRIPUS has the potential to revolutionize the travel industry by providing for tourists and businesses a full range of innovative services and easy, environmentally decentralized interactive, secure payment and possibilities to plan for the trip from the start with the help of the best experts in this field. Through this platform, both tourists and business travelers will save considerable
time and money to participate in a dynamic community with infinite possibilities. Sell token TRIPUS allows everyone involved in the project and receive token platform with significant bonuses.

TRIP token will be used as the sole means of payment in TRIPUS Platform. Furthermore, TRIP will be used to reward those who commented on the arbitration commission for their services, and so the referee awarded bonuses for users of different platforms.

FOR MORE INFORMATION :

Website                        : https://tripus.io/
Whitepapper                : https://tripus.io/docs/whitepaper.pdf
Telegram                     : https://t.me/Tripuscommunity
Twitter                          : https://twitter.com/TripUsOfficial

Authors                         : Tellysa
Bitcointalk's Profile      : https://bitcointalk.org/index.php?action=profile;u=1898514

OCTUS

What is Octus
OCTUS (OCT) is the first and true cryptographic project for the massive and automated distribution of cryptocurrencies and tokens of the most popular and known blockchains such as Bitcoin, Ethereum, Bitshares, NEO, NEM, Waves, among others.

Being a decentralized tool, that anyone can use it for the purpose of distributing cryptocurrencies to a list of wallets of their own choice, in an automated, controlled and secure way.

The OCTUS project was born from the cryptographic community need in the following tasks.

1) Airdrop’s token distribution, 

2) ICO’s tokens distribution, 

3) Profits distribution of a pyramidal organization, 

4) Programmed payments of cryptocurrencies of a company or startup, just as it is done in a payroll system, 

5) Micro payments, 

6) Distribution of rewards and bonuses, 

7) Sending of gifts and consignments, among many other uses.

WHY CRYPTO WORLD NEED OF OCTUS?

Television and the internet experimented an evolution and many tools were developed for use, handle and understanding of such technologies like mouse, graphic interface,software, explorer, browsers, etc. As all of them made easier the use of computers and the internet, today it is necessary to develop tools to facilitate use and massive handling of crypto-assets by widely functional, strong and easy-to-use and understand interfaces, covering areas unexplored yet. For example: it would be needed a software that performs as a salary payment platform, for payment massive sending, without problems when airdrop is processing; no technical or middleware complication; final user would be able to understand and use those innovating technologies. The possibility that anyone could reach a powerful tool for massive distribution of crypto-assets would be a great step forward.

WHAT IS AN AIRDROP?
Airdrops can be defined as the process whereby a cryptocurrency enterprise distributes cryptocurrency tokens to the wallets of some users free of charge. Airdrops are usually carried out by blockchain-based startups to bootstrap their cryptocurrency projects. Also, established blockchain-based enterprises like cryptocurrency exchange platforms and wallet services can also carry out airdrops as well..

From creating hype and buzz around a new blockchain-based enterprise to rewarding loyal customers, there are a number of reasons why a cryptocurrency airdrop is carried out. The following are some of the reasons for carrying out a cryptocurrency airdrop.

REASONS FOR CARRYING OUT AN AIRDROP PROCESS MECHANISM
 

There are basically two major types of airdrops; the ones that come as a surprise and the ones that are announced beforehand. For already established blockchain-based enterprises, they may choose to go the route of the former rather than the latter. Getting to know about it might depend on how involved one is in the crypto community. These are the types of airdrops that occur and have people commenting on online forums that their wallets have been credited with coins and no one is the wiser as to where the coins came from.For blockchain-based startups, they mostly favor the route that involves pre-airdrop announcements to get the buzz going. Since the aim is mostly to bootstrap the project, the airdrop process usually involves the completion of a number of tasks by the user in order to qualify for the airdrop. When the date of the airdrop arrives, the enterprise will release the free tokens to the users who qualify. From time to time, blockchain-based services like cryptocurrency exchange and trading platforms, wallet service providers etc. wish to give back to their customers and subscribers. Airdrops can be used as a means of rewarding loyal customers with free cryptocurrency tokens. This serves as an incentive that can assure continued patronage on such platforms. This type of airdrop mirrors the voucher and discount giveaways of nonblockchain companies in the mainstream commercial world.

In 2017, the cryptocurrency exchange platform, Binance, carried out an airdrop of 500 TRX cryptocurrency to account holders on the platform. The airdrop lasted from the end of October 2017 to the middle of November 2017. In order to qualify for the airdrop an account holder needed to have at least 0.003 BTC in addition to having completed at least one transaction on the account. Binance account holders who had the equivalent of 0.003 BTC in other cryptocurrencies were also eligible for the airdrop as long as they fulfilled the transaction requirement.


TO GENERATE LEAD DATABASE
Marketing is all about leads. Organizations tend to pay a lot of attention to generating appropriate leads that will drive their marketing campaigns and increase patronage. Airdrops can be used by blockchain-based enterprises to generate valuable lead databases for their organizations. In exchange for free cryptocurrency tokens, users will be asked tocomplete online forms that contain valuable user information which can be used to develop targeted marketing strategies. This application of airdrops to generating lead databases can even be utilized by none-blockchain enterprises.With the sheer size of the cryptocurrency market, a new cryptocurrency can go completely unnoticed if it isn’t given the right boost in terms of substantial marketing campaigns.Just like every other aspect of the digital world, hype and buzz play an important role in the cryptocurrency ecosystem. With many cryptocurrency enthusiasts looking for new cryptocurrency options, an airdrop is a great way to get people interested in a cryptocurrency.

 

The marketing campaigns on social media for an airdrop can lead to increased
attention being paid to a new cryptocurrency. Word of mouth advertising brought about by an impending cryptocurrency airdrop can lead to increased user participation in the cryptocurrency. This can help to bootstrap a new cryptocurrency as seen in the case of Bitcoin Cash. After the Bitcoin fork that led to the creation of the Bitcoin Cash, the developers of Bitcoin Cash carried out an airdrop rewarding all of its users. For every bitcoin held by a Bitcoin Cash participant, the developers gave a corresponding amount of Bitcoin Cash. The end result was that in less than one month, Bitcoin Cash was among one of the top 10 cryptocurrencies in the market.

TO CREATE AWARENESS ABOUT A NEW CRYPTOCURRENCY TO GENERATE LEAD DATABASE
 

Marketing is all about leads. Organizations tend to pay a lot of attention to generating appropriate leads that will drive their marketing campaigns and increase patronage. Airdrops can be used by blockchain-based enterprises to generate valuable lead databases for their organizations. In exchange for free cryptocurrency tokens, users will be asked to complete online forms that contain valuable user information which can be used to develop targeted marketing strategies. This application of airdrops to generating lead databases can even be utilized by none-blockchain enterprises. With the sheer size of the cryptocurrency market, a new cryptocurrency can go completely unnoticed if it isn’t given the right boost in terms of substantial marketing campaigns. Just like every other aspect of the digital world, hype and buzz play an important role in the cryptocurrency ecosystem. With many cryptocurrency enthusiasts looking for new cryptocurrency options, an airdrop is a great way to get people interested in a cryptocurrency. OCTUS will facilitate the process of performing an airdrop in a way never seen before, because the software will allow this commendable task in a very simple way for users without much knowledge of cryptocurrencies.

 

 

 

 

SYSTEM ARCHITECTURE

FOR MORE INFORMATION :

Website                      : https://www.octus.network/

Whitepapper               : https://www.octus.network/whitepaper-v1_0_23.pdf

ANN                          : https://bitcointalk.org/index.php?topic=5054259.msg47096465#msg47096465

Facebook                   : https://www.facebook.com/octusnetwork

Authors                     : Tellysa

Bitcointalk's Profile     : https://bitcointalk.org/index.php?action=profile;u=1898514

HUBRISONE- Friendly digital bank

HUBRISONE, is a mobile app that will completely revolutionise the dynamics between the cryptocurrency and the banking sector. At present there is little to no trust between traditional banking and cryptocurrency users. We plan to fuse traditional banking with cryptocurrency, and deliver these services to the masses through an open, honest and fully trustworthy infrastructure, which is easy to use and easy to understand by new entrants into the cryptocurrency market and veterans alike.
 

The HUBRISONE team is introducing a functional utility token known as the Hubris Token (HBRS), which will be used within the HUBRISONE app and infrastructure, as a store of value, a way to transfer funds,receive platform access, discounts and used as a form of payment in conjunction with the HUBRISONE debit cards.
 

As you read through the whitepaper and our business plan, we hope you also realise the vast market opportunity, the problems we’re solving and why we are so excited for the future.As you read through our whitepaper, please note that the following information is based on services and solutions we are certain of bringing to market, and these are not just ideas, but well thought-out researched actionable tangible services. The app illustrations you see are copyrighted and are actual screen shots of our upcoming proof of concept which will be released on the 15th of October 2018.

Our Vision

 
Our vision is to become the connector between the old world of finance and banking to the new world of cryptocurrencies. In a new, secure, regulated and user-friendly way.There is a need for a regulated, trusted and licensed go to solution/platform that gives a helping hand to new investors into the cryptocurrency market, whilst still maintaining the importance of their trusted banking system they use on a daily basis. We must not make the mistake to try and eradicate banks but instead to improve their current processes and services on offer by leveraging the technology such as blockchain and cryptocurrencies. We aim to become the world’s first cryptocurrency friendly digital bank, fully complaint and regulated within the United Kingdom. Just imagine, your day to day banking facilities, accounts, and cryptocurrency wallets side by side.Banking made digital, secure and cryptocurrency friendly.

Viewing Cryptocurrency Differently From Fiat Currencies

 
Traditional fiat currencies and cryptocurrencies should not be separated as operating independently of each other.We believe that cryptocurrencies and fiat currencies in the future will operate as one overarching option of global currency, with each having their own use case. We do not share the view that fiat currencies will be abolished nor do we share the view that cryptocurrencies will become the new global dominant currency. We see the market evolving and developing to find a fair-balanced middle ground between the two form of currencies as noted above. If cryptocurrencies are to be taken seriously by the world and for mass adoption to be achieved, we need to legitimise cryptocurrencies through a trustworthy, secure and regulated medium, channel or solution. Therefore, we need an answer to the above. We need a solution which, respects and identifies the importance of the traditional banking system and the benefits it provides, however at the same time, removing the greed, unfairness in exchange fees, removing the inefficiencies such as physical branches and call centres – whilst at the
same time improving the customer service, product innovation, technology and becoming more customer centric.

Recognising the Importance of the Banking System

 
We understand the importance of the global banking system which has been established, built and trusted for over 200 years. This 200-year old banking industry has its pitfalls, however, and we need to remember the significance, access and opportunities it has given (BBA):
• secure payment networks that keep the world’s economy moving 24/7
• Providing financing and access for people to buy their dream homes, cars or holidays
• Allows billions of people each day to pay for goods and services on and offline
• Has provided millions of jobs globally
• Pays millions of salaries everyday
• Moves billions of payments everyday globally

The above are a few significant benefits and real-life examples of what banks provide to the mass population on a daily basis. We recognise the importance of this and at the same time we understand the issues banks have created globally through greed, lack of transparency and complacency.
Our mission, is not to abolish banks, but to find a sweet-spot and middle ground, which will generate trust and increase mass adoption. This is where HUBRISONE fits.

Additional Comments & Observations
Acquiring and retaining profitable customers is an ever-growing challenge for banks.It is apparent that customer demographics, buying behaviour and needs are evolving rapidly, and have accelerated even more with the introduction of cryptocurrencies. The competition is aggressive and adapting rapidly. Traditional banks now need a 360-degree view of each customer in order to focus their resources efficiently (BoC, 2017).

Secure Cryptocurrency Wallets
Imagine, completing your daily banking tasks and seamlessly exchanging,converting and transacting fiat to cryptocurrency in a few taps, no need for sending crypto from one vendor to another. Your all-in one banking and cryptocurrency solution is here, users will be able to: Users will be able to store and access your cryptocurrency funds directly from the HUBRISONE app.
• Full ownership of your keys.

• Freedom, variety and diversify add up to 200 cryptocurrencies and selected alt-
coins.

• Easily transfer between your cryptocurrency wallet and your HUBRISONE bank
account, and spend globally using the HubrisOne secure debit card.

• Send cryptocurrency to friends, family or to an exchange using the within a few
taps.


Secure Digital Account and Card Management
Now you can have your banking and cryptocurrency wallets in one place,organised, secure and simple.As digital ownership grows, we foresee banking will be the next industry to be disrupted digitally. We’ve moved everything from the old fashioned long waiting times on the phone to digital self-account management. This means everything you can do with a bank representative over the phone you can now do via the HUBRISONE app meaning you’re in charge of your account and
your card when you want, 24/7. Here’s a few features we’re bringing to market:

• Create a new virtual card for online purchases in a few taps. Order a physical card
directly from your app. No phone calls, no call centers.

• Change, view or reset your security pin in two seconds. No need to order a pin by
mail.

• Link your card to your HUBRISONE bank account or to your cryptocurrency wallet.
One card, multiple accounts.

The Market Opportunity

 
How Big is the Global Market?
The market for the HUBRISONE app and digital banking solution is vast and an extremely attractive market. Firstly, we are offering a digital banking solution to people who meet the following criteria:
1) Have a smartphone with internet connection with access to Apple App Store or Google Play
2) Have or need a bank account.
3) Over 18
 

Note: The above criteria has been simplified for illustration purposes, but already, the evidence is apparent that our solution is a mass market product and applies to the mass population, which already shows the potential demand of the market we are targeting. According to the WSBI, over 37 million individuals do not have a bank account within the EU. The EU will be the first regional hub HUBRISONE will launch (WSBI).On the contrary, over 430 million individuals have a bank account within the EU. The above two criteria are our target market we will focus on upon launch of HubrisOne. A combined 467 million target opportunity in the EU alone. Additionally, we have identified over 2 billion global unbanked adults which will be our secondary target market. HUBRISONE appeals to the mass market, however we have further segmented this market in order for our focus to not be too wide. Hence our proposition is cryptocurrency-banking, cryptocurrency first and compliant and regulated banking solutions second.


Hubris Token Reward for User Sign up
The second key strategic acquisition channel we see as being effective and significant is leveraging the native HUBRISONE cryptocurrency tokens (HBRS) which will be used as a reward (among other uses) for each customer that signs up with HUBRISONE.

By rewarding users to sign up with our Hubris Token, we incentivise and reward new users to join and share. This will increase the rate of our customer acquisition, and significantly increase the growth rate of our customer base via organic network and marketing effect.


Hubris Utility Token
The HBRS token will be the bloodline of the HubrisApp. If the Hubris App is the road, the HBRS token is the cars, trucks and the motorcycles. They are both very dependent on each other. The HBRS token will be a functional utility token within the platform, this will allow users, investors and our customers to access the following, the list is not exhaustive and further functionalities may be added in due course:

Funding Proceeds: Distribution
 

Development (40%) 24/7 Live Chat - 5 Languages
Research and continuous development, processing, design and testing expenses for the Access all account support directly from the HUBRISONE app. We will contract and in some cases, hire onto the HUBRISONE team the best HUBRISONE app and experienced developers within the fintech industry

Operations (20%)
The operational costs are, in most cases, fixed costs associated with most businesses, Personalized and tailored for you and your this includes office expenses, global contact agents to service the bank accounts 24/7, account needs salaries for the HUBRISONE employees and team, exhibition expenses for promotion, travel, human resources expenses and subscriptions for SaaS solutions for day to day running of HUBRISONE.

Marketing (20%)
We will implement an aggressive social media strategy, due to the mass appeal of our product we have allocated 20% of proceeds to acquire new users. We will primarily execute online social media and platform ads in order to efficiently track ROI.

Security Infrastructure (15%)
Due to the sensitivity of our digital banking solution, we will need to implement the strictest security and compliance standards. Therefore, we will recruit experienced compliance, security and regulatory specialists on-board the team. The team at HubrisOne understands the importance of creating a secure trusted alternative digital banking solution.

Partnerships (5%)
Partnerships will be key to our business model, and as a result, we will create a headcount (recruit) of two business
development and partnerships managers to ensure we partner with the best blockchain and non-blockchain service
providers to join our Open Partner Platform.

 

 

FOR MORE INFORMATION :

 

Website               : www.hubrisone.com 

Whitepapper        : https://drive.google.com/file/d/1enh6bm59MXPMmQ8MVKXs68iShXD45L7p/view

Telegram            : https://t.me/hubrisonebounty

ANN                  : https://bitcointalk.org/index.php?topic=5039930.0    

 

Authors              : Tellysa

Bitcointalk's Profile : https://bitcointalk.org/index.php?action=profile;u=1898514

BITCOIN AIR - PAYMENT AS LIGHT AS AIR

Plenty has been happening in the background while the development team and administration have been readying the front line approach to the market for BITCOIN AIR. We have kept our community quiet and our development even quieter while we put together our many programs we plan to offer to the public prior to our actual fork date. It has been a great time so far developing with the team, and we can not thank our community enough for being with us in the early stages of BITCOIN AIR.

This article will be presented to cover several topics that have been floating in the community, and to introduce the latest updates within our development. The community has been anxiously awaiting the biggest decisions within our development, included the finalization on which coins will receive our airdrop. We are here to announce several things including; our Ambassadors Program, our Minimum Viable Product Demo, our new Website, our introductory Partnerships, and the final decision on which coins will receive our Airdrop.


The Bitcoin Air Ambassadors Program

The BITCOIN AIR Ambassadors Program has been developed as a means of providing 100 lucky participants with the chance to permanently earn a position as an Ambassador within their country and aid in the constant growth and outreach of Bitcoin Air on a large scale level. The main goal is to allow us to produce as many points of contact for our development as possible, in as many countries as we possibly can.

Our Ambassadors will be in charge of social network outreach, planning and organizing of community events, BETA Testing and Functionality, marketing and promotion efforts, and much more. They will be our front line team when it comes to countries reaching out to BITCOIN AIR on a personable level. Ambassadors will play the largest role in ensuring that BITCOIN AIR achieves it’s maximum potential in achieving it’s goal of producing a currency that provides back to the environmental efforts of maintaining our planet and personal well-being.

Ambassadors will be trained and briefed on the dynamics of BITCOIN AIR and it’s functionality, they must be capable of a professional attitude, demeanor, and presentation when it comes to representing BITCOIN AIR and it’s team alike. Every chosen participant will have the chance to earn Bitcoin Air (XAP) on a monthly basis via conversion based marketing and promotion utilizing their social networks and events that may be happening in their area; like seminars. Ambassadors who are hired will be provided access to our Ambassadors Panel that will give them access to a variety of content to market with, social network API’s to easily share and promote BITCOIN AIR, a place for event planning requests to be filed, personal conversion links to maintain records of who brings the most attention to BITCOIN AIR, and a internal payout system that rewards the top Ambassadors with the most conversion.BITCOIN AIR Administration will dedicate funding monthly to a pool that will be split completely between 100 Ambassadors proportionate to their share of the growth margin during the month prior.

The Ambassadors Program will begin with an application process that will allow us to gauge the communities interest over time leading up to the fork date. A series of interviews will be given to the chosen participants to gauge their ability to grow Bitcoin Air and utilize the resources provided in an efficient manner. All members of our community are encouraged to apply and see if they are chosen to become one of the 100 ambassadors chosen world wide to aid in the growth of BITCOIN AIR

The applications will be announced in the next upcoming article. The application process will allow only non-anonymous participants as we would like our Ambassadors to be friendly and welcoming to the public to approach them to gain information about BITCOIN AIR. We will ask a series of question via form, and over time will begin to reach out to capable applicants to receive a second interview. The 100 chosen participants will then receive escalated privileges to the Ambassadors Panel and will be trained and briefed leading up to the Bitcoin Air Snapshot and Fork.


Minimum Viable Product Demonstration

A lot of you may see, that we have been operating our development some what like an ICO. Hiring in different Advisors and types of staff to ensure a successful road map is followed throughout the development. To ensure that the public understands what we are hoping to achieve here in the slightest, BITCOIN AIR has made efforts to develop a Minimum Viable Product Demo that will allow you all to test the waters of what is to come for Bitcoin Air over the next few months.

This minimum viable product demo will feature a simple to use App Store Demo that will give you a hands on feel of how Bitcoin Air will operate when it is released. This is in no way our final product template, nor will our demo be utilized as a our main feature set. We will be expanding on this MVP drastically as we receive input on how people react to the usage and feel of our demonstration.

You can utilize our demonstration via a tablet, mobile, or desktop interface. It will display the basic features that are to come to the BITCOIN AIR Pay System that will allow several key features to fluid merchant transactions and consumer usage. The idea behind the MVP is to provide a hands on template of use for people to gather what is to come before deciding to support Bitcoin Air in it’s endeavors to becoming the largest small business based consumer stable coin.


The Future of Bitcoin Air

Throughout the constant development going on, there has been extensive brand growth that has blossomed the final and true vision of BITCOIN AIR. Initially beginning as an initiative to create the first collateral backed dual-chain stable coin that can give back to the planet through merchant-consumer based usage. This vision has blossomed into large scale partnerships that will aid in creating the most versatile and scalable merchant based payment system to come from a cryptocurrency development.

BITCOIN AIR has reached an agreement with the US Blockchain Association to acquire $210,000,000 in Carbon Credit Asset Reserves to back the minting and burning of USD Air Protocol. This means that every $1 of USDAP (1 USDAP) will be backed by $1 of Carbon Credit Assets. Coupled with this asset backing, BITCOIN AIR will be included in the future release of 50,000+ ATM’s worldwide being developed by the US Blockchain Association that will allow users to sell their $USDAP or $XAP and receive local fiat currency at anytime. This will allow Bitcoin Air to be fully asset backed up to $210,000,000 in carbon credit reserves at any given time through the partnership with the Mother Earth Foundation.


The technology:

The technology behind the Air Protocol was based on the idea of an off chain decentralized reserves system that could maintain the end value of a merchants earnings, while producing indirect impact on the environment in a positive way. Throughout our analysis of cryptocurrency, volatility has come to be the largest issue. This is largely caused by market manipulation and in hand aided by low adoption, no regulation, and failed attempts at reserve systems. BITCOIN AIR will defeat all of these issues by ultimately providing both a decentralized payment system and a decentralized reserves system that can operate 100% trust free and decentralized from any central power. BITCOIN AIR will start with a limited circulating supply that will vary based on the minting and burning of coins through the Air Protocol. Two bilaterally operating chains will be interacting with each other through consensus nodes that will come to an agreement on whether or not the burn/mint process can be pushed while ensuring a number of factors are in line before validating it on the network. This action, called off chaining, will occur by a consumer using the “spend” protocol or “swap” protocol initiating a burn of supply, and an immediate minting of exact USDAP on the side chain. This side chain will maintain a static value based on the amount of USDAP available through the off chaining process. The circulating supply of BITCOIN AIR will lower along with the available market cap, maintaining the value of each share on the volatile chain. This will allow merchants and small businesses to “side chain” their value if they would prefer not to fall victim to market health

The storage of Air Protocol will be on a privacy focused side chain that will allow open access to your ledger. While privacy isn’t our main goal, we feel that all transactions and earnings should be maintained to the users discretion of use. This in turn means that access to your ledger of mints/burns will be at your control at all times. Publicly permitted API’s will be developed to allow for even the most common bookkeeping and accounting softwares to integrate with your private ledger

The approach:

BITCOIN AIR will focus on ensuring even the newest member to cryptocurrency has an easy, efficient way to utilize it for basic business function. BITCOIN AIR will utilize a lot of the currently available technology including; Segregated Witness, Lightning Network, and Atomic Swap. This will expand into our off-chaining and on-chaining features that will ultimately be implemented into the Air Protocol to secure the value of a users coins. Initially beginning with a full-node desktop application and basic exchange support, the earliest adopters will gain the early know-how to operate a full-node staking wallet that will allow them to gain a small reward for providing their resources towards consensus. The main development will focus on mobile and tablet applications for our consumer and merchant protocols. Our approach will include a full fledge portable-use application that will allow any user or business to operate via a clean and modern point-of-sale approach. These point-of-sale applications wouldn’t utilize the send/receive feature and would instead utilize the “spend/burn” feature upon a user transacting with a business. This operation would happen by a user choosing the wallet and setting it to the spend feature. This would then allow them to scan the QR code shown by the merchant point-of-sale, ultimately deducting the required amount from the wallet and operating the “spend/burn” feature that would then off-chain the value to USDAP within the merchants wallet, keeping it safe from the volatility of the market. During this operation, the market cap and circulating supply would drop collaboratively, maintaining the value of every other users Bitcoin Air. The merchant could then burn there USDAP into BITCOIN AIR whenever they would feel like doing so without effecting the price of another users BITCOIN AIR during the burn/mint process.

Beyond the basic abilities, BITCOIN AIR plans to be the first to implement “Air Cash”. Thanks to our off-chaining capabilities being implemented, we will have the ability to mint off chain and make sure value is maintained. We plan to expand upon this idea extensively beginning with the ability to off-chain your BITCOIN AIR to USDAP Air Cash. You will be provided a QR code to print out that can be handed over like real cash and “swept” into a Bitcoin Air wallet as Bitcoin Air. During this process, creating the Air Cash will burn circulating supply from Bitcoin Air, and mint equal USDAP on the side chain. This will in turn provide a randomly generated private key to the QR code that will hold the value of the USDAP. This balance will not be available in your wallet, and will instead be pegged to this piece of paper. The user can then hand it to a merchant to conduct a purchase, or hand it to any other party to conduct a in person trade. Upon the receiver sweeping the balance to their wallet, the private key and public address will be added to their wallet for usage permanently from then on. The paper document would then become useless, and the address can be disposed of along with the document. This will be the first approach to a fiat introduction for cryptocurrency.


The market potential:

BITCOIN AIR hopes to create the balance that will open the doors for mass adoption by all small businesses world wide. The current financial impact of small businesses on the United States GDP alone is 46%, that would put the potential market at upwards of $8.5 Trillion according to the current United States GDP. To think mass worldwide adoption would put that current number to shame, but to start small and possible, even 1% of that current market flooding to Bitcoin Air through ease of access would mean a market capitalization of $85 Billion. Bitcoin Air seeks to develop a easy, user- friendly, rapid payment system that is accessible and secure enough for everyday use!

The up and coming fork: 

The official BITCOIN AIR snapshot will take place on November 22nd, 2018. The overall fork will take place by utilizing two different blockchains and in the end result creating one bilaterally operating dual blockchain. The Peercoin Blockchain is what our entire development will begin on, during this time,the Bitcoin UTXO will be added along with several core features including Lightning Network, Segregated Witness, and Atomic Swaps. We will also be implementing our side-chaining method that will allow people to off chain their XAP to a stable value USDAP. The users receiving Bitcoin Air at the time of the fork will be holders of Peercoin (PPC) and Bitcoin (BTC) at a ratio that will be announced closer to the fork date. Bitcoin Air will begin by increasing the size of the Blocks to 32 MB each, reducing the block time to 4 minute targets, doubling the tail emission of Bitcoin, maintaining the block reward of 12.5 XAP, and introducing Hybrid Dynamic Proof-of-Stake/Proof-of-Work Consensus. All of this coupled with the backing of a Clean Air Initiative, Bitcoin Air’s goal is to achieve the first form of cryptocurrency that can aid in producing a stabilized market, and reduce the human carbon footprint through indirect day-to-day actions.


The Official Airdrop Information

After a long discussion with our team, and having several conversations with both the teams at Haven Protocol and Peercoin. We have decided to airdrop $XAP to only holders of Peercoin and Bitcoin.

After careful consideration, and numerous requests from the community, we have decided to NOT move forward with airdropping to Haven Protocol due to some of the communities disagreement with our project, and the extensive bad background that has accumulated with Haven Protocol including Bitcoin Bravado and the recent Nanex Hack. We have fully agreed to move forward with the airdrop, and the only difference is now Peercoin and Bitcoin Holders will only receive Bitcoin Air ($XAP).

FOR MORE INFORMATION :
Website                           : http://www.bitcoinair.org/

Twitter                           : https://twitter.com/BitcoinAirUSA

Short Paper                     : https://bitcoinair.org/wp-content/themes/btc_air/downloads/ShortPaper.pdf

Ann                                : https://bitcointalk.org/index.php?topic=5044039.new#new 

Telegram                         : https://t.me/BitcoinAirENG

Authors                            : Tellysa

Bitcointalk's Profile            : https://bitcointalk.org/index.php?action=profile;u=1898514 

ALFA - ENZO

In 2017, over 60% of the world’s population owned a mobile device Worldwide demand for increased mobility and connectivity is higher than it has ever been. As Distributed Ledger Technology (DLT) gains prevalence on new grounds, today’s analog and digital economies will ultimately transition into a fully kinetic economy where everyone has the ability to be a peer-to-peer data merchant Paradigm Shift


Today, the world is all about Action. Social Networks emerged to help manage relationships and make connections visible. As everyone is network-aware,we have a second-nature understanding that we can be connected with anyone, anytime, and anywhere. That given, a new framework that connects the activities we perform as individuals, is the next generation of social networking. With the advent of DLT, we can internetwork with adjacent peers and utilize our User Generated Content (UGC) in unprecedented ways. This change is evident in the slow demise of popular social networks and rise of activity-centric utilities such as Messenger, Snapchat and WeChat, and services such as live video streaming.

Worsening Data Crisis

We are creating more personal data than ever before and there are more ways to collect it than ever before. This data is harvested by centralized systems, marketed, and sold. User data has been exploited and threatened long before the Cambridge Analytica news broke The fact is, users simply don’t recognize the value of their content because there is no other model to compare against. They also don’t see the complete context of the system they’re in. Data misuse and abuse has become so endemic in our society that an entire lore has risen up around it: that this is a temporary crisis; that new features will help us manage better; that in fact it is not a product of systemic malevolence, and it is itself a mere corporate rite of passage; that a network’s product and services are benign; that a failure now, means a better future later. This has happened before, and the severity increases with each infraction.

Social Networks siphon our private data, transferring value from individuals to institutions.They’ve even misrepresented their own data to marketers and have broken any number of laws. The manipulation of User Generated Content is their very lifeblood, and it will not stop. To convince users to move away from this, we need to create meaningfully better systems, using new technology and new incentives

We need to create systems that are more decentralized, where we have power of ownership and the blockchain gives our data a voice to speak on our behalf. When we own and control our digital footprint, we can derive great value for both personal and communal gains. We become merchants of our own data.

Ecosystem

Need to deliver immediate utility using a new kind of peer-to-peer interaction and exchange framework.
Imagine a distributed social mesh, where nodes can sign smart contracts to indicate friendship, where data is stored and locked on IPFS, where User Generated Content (UGC) is securely guarded so that it can be properly attributed and selectively shared, where all communication or transaction happen swiftly and securely between any two parties. Imagine the world as one single marketplace, and everyone is a data merchant.

Introducing the ENZO Open Network (EON).


EON is a distributed and open ecosystem designed to augment daily life by enabling the data and people to collectively function as a single universal free-market across time. On EON, Data is separated from the Platforms so that it can be managed by private Blockchains. At the heart of EON is the revolutionary time-based EON Protocol that provides a secure Transfer Layer and Data Model across the ecosystem to deliver a unified and verifiable experience for all users.

EON
Applications and Platforms. While infrastructure and protocols are important, only useful platforms and killer apps will expedite mass adoption. The EON Platforms are designed to provide functional parity to the centralized apps that users are used to, while also delivering incredible blockchain-enabled features they didn’t know they needed

Alfa  

Meet our first killer app. Alfa is the primary portal through which users connect to EON to monetize their participation, preferences, and identity. After reaching critical mass, Alfa will form the pillars for a global Distributed Operating System

Screen Agnostic »

ALFA delivers consistent performance on any screen size, and any device. 

Off-The-Record Messaging » ALFA has a built-in encrypted chat that provides an added layer of protection for peer-to-peer communication and transaction.

Real Time »
Alfa uses a novel real time experience to help users preserve the temporal context of their data. This prevents echo-chambers and fake news.

One-App Experience »
Alfa delivers the features of hundred of apps in one seamless visual experience. Merchants with an account can use cryptocurrency without any other add-ons.

Push
Push is a self-serve marketing and advertising platform that gives advertisers, publishers, and merchants the ability to deliver paid advertisements and announcements to willing users.

Precise Target » Push can serve advertisements to a matching profile that will yield greater 90% probability of clickthrough.

In-Time »
Push can post advertisements to the future and automatically repeat items once it’s passed the present day. This helps lowers the cost for advertising programs.

Ads Manager »
Use Push to set goals, select an audience, measure results and optimize campaigns on Alfa.


Publisher »

Create Alfa Ads with simple video editing suite that lives on Push Valet
Valet is a Turing-complete light wallet and payment gateway for transactions across the EON ecosystem. It is a required module in every dApp that exists on EON. Valet makes it easy to interface and manage cryptocurrency for daily transactions.

Will Power » Valet lets users create a Living and Last Will through smart-contract, tied to the user’s stake.


Enzo as a CurrencyIn addition to payments for all digital and physical assets sold by individual merchants within the Alfa Enzo ecosystem and on other

dApps integrated with EON, Enzo (NZO) will be used as: ››

Commission paid to EON nodes for processing transactions and smart contracts;

Stakes deposited by nodes to be eligible to validate certain transactions;

Payment for services provided by apps built on the platform;

Payment for storing data securely in a decentralized way;

Payment for registering blockchain-based time names;

Payment for creating advertisements and other services via Push;

Every currency system in the history of the world has distributed money from the top down. As a result, most of the money never leaves the top. This creates world where most of the world’s potential value remains untapped. The Enzo cryptocurrency is distributed according to participation. Those that join the network and help it grow will thrive and flourish with it. It will amplify their own value, making it grow faster than at any point in history. Every ounce they give to the system will magnify their own rewards. Enzo represent a unit of account for the network. The bigger the network grows, the more utility in the token exists. As the size of the network and transaction volumes within it grows, this will create demand for the tokens

We have proposed an ecosystem that delivers a value-anchored mass-market cryptocurrency and provide a novel end-user experience for its complete utilization.


The Enzo Open Network puts users first.It is designed to separate users from marketers, to allow users to manage the privacy of User Generated Content (UGC) across an efficient digital economy without relying on trust. With each user’s data and time contribution, a natural economy emerges from which we can derive an intrinsic value basis for a new cryptocurrency—Enzo. Enzo offers features that no other cryptocurrency possesses to deliver on a prime initiative of global inclusion and commitment to the evolution of distributed systems. The first proven outlets for Enzo to exercise its utility are Alfa and Push. These applications are the first portals into EON and serves to illustrate through user experience, design, and
architecture, a clear delineation between users, data, and advertisers

We are in the midst of a digital revolution. Alfa Enzo launches its offering in the light of widespread market uncertainty and volatility. However, we believe in our ability to prevail through the cohesiveness of our vision, the comprehensiveness of our preparation, and the strength of our team. We look forward to your participation and unwavering support of this bold new vision.

FOR MORE INFORMATION :

WEBSITE                             : https://www.alfaenzo.io

TELEGRAM                         : https://t.me/alfaenzoio

TWITTER                            : https://twitter.com/enzonetwork

AUTHORS : TELLYSA

BITCOINTALK'S PROFILE : https://bitcointalk.org/index.php?action=profile;u=1898514

ZAMZAM - The fair blockchain bank

 

About us

ZAMZAM is a first blockchain driven digital bank that relies on the principles of openness, fairness and increased social responsibility. We combine modern technologies with centuries - proven financial system to provide you with the most reliable product at the market and erase boundaries between digital and fiat currency. We are aiming to become the first generation 3.0 bank, which is 100% transparent, digital, mobile and technologically new.

 
Why does the world need blockchain banks?

ZAMZAM mission is to speed up the process of the transition from a traditional monetary system to a fully digital economy in order for banks and financial institutions all over the world to become open, fair and efficient through the implementation of blockchain and decentralized systems.

Openness
Transparency of all operations in blockchain. Real-time publication of the ZAMZAM bank’s detailed financial activities. Open results of bank audit. You have never worked with such an open banking system!

Efficiency 

Reduce costs by circumventing the chain of intermediaries and abandoning obsolete methods of managing financial organizations.

Fairness 

Provide users with a choice between centralized and decentralized assets storage. Future is for hybrid systems, which give freedom of choice.

Fast financial blockchain based on Stellar fork

We are creating an independent blockchain bank with the lowest commissions for the end user. This technology is formed on the basis of our financial system to make the ZAMZAM products decentralized.


News Zamzam Digest

iOS 

From the moment your account balance is also shown at the “Send money” window. You don’t need to swipe back to see how rich (hope so) you are, have a glance at the top of the window and decide, how much money you can send to your beloved friends and partners. After the transaction balance bar will be refreshed automatically. Also, two new feates were added.

The first one is the “Max” button. There is no need to type eternity of figures, which show how much you want to send, just push “Max” button and send everything you have on the wallet. The function is for really risky guys and girls only. For those who are not afraid to say “all in” while sitting at a poker table.

The second one is convenient in-house crypto to fiat/fiat to crypto converter. For example, your friend asks you to send, let’s say 10 dollars in BTC. Now you are deprived of the need-be to count it manually. You can push the conversion button in BTC wallet, type the number of dollars you want to be sent, zam.wallet uploads the latest exchange rate from cryptocompare.com and sends the exact amount of BTC which equals 10 dollars. In practice, it is even simpler than described there.

We have chosen cryptocompare.com because we genuinely believe that the service is efficient, exact and what is equally essential has very convenient API.
Android

Development of our Android app lags a little a bit, because our team took part in HackUPC hackathon in Barcelona, Spain, but be sure that during the next week we will catch the pace and all functions released for iOS will also be available for Android.
In general

From now all our newly joined users can send or receive tokens. However, our zam veterans, who have downloaded the app earlier, may face the problem, that they can’t find “zam.tokens” button. Please be patient; the update will come within several days, due to the necessity of check by App Store and Google Play.

Nevertheless, you can already try to send crypto or tokens to your friends just via phone number. The receiver needs to download zam.wallet within three days and get his/her tokens.

We have something to show you next week. Massive update of the product is ahead. Stay tuned for more news and info from ZAMZAM.

During the last two weeks we have finished the development of our iOS application, so you can download and test it.

We have also added one essential function in our app — coin info. From the moment any zam.wallet user has access to all the info about every coin in the system. All data about a coin exchange rate and it fluctuations during a set period of time is displayed on a graph at the main page. Here you can also find a history of coin costs. We have added several functions including coin/dollar exchange rate tracking, capitalisation, daily turnover, emission volume during a certain time, volume of planned emission and transaction history tracking.

We are also going to add a possibility to buy and sell tokens via our app. At the moment a user can only send or receive coins, but we will solve the issue as soon as possible. Full transaction history can be found at a wallet card. We are trying our best to make zam.wallet as simple as other top-level banking apps.

We have also finished the first stage of authentication procedure — KYC 0, where you need just to confirm your personal info and address. The next step of the identification process will be released soon. You can try it in our apps, and we are happy to receive any feedback both positive and negative.

We are adding new functions to our application gradually. All these should increase usability and provide our clients with new ways of working with digital assets.


ZAMZAM— first fair digital bank ever


ZAMZAM is a blockchain driven digital bank that relies on the principles of Islamic banking, which adhere to the key points of openness, fairness, joint risk sharing and increased social responsibility. We combine modern technologies with centuries — proven financial system to provide you with the most reliable product at the market and erase boundaries between digital and fiat currency.

ZAMZAM’s mission is to speed up the process of the transition from a traditional monetary system to a fully digital economy. We are aiming to become the first generation 3.0 bank.

One-third of the world’s population doesn’t have bank accounts due to the difficulties associated with the account opening for migrants and lack of confidence in banks among the uneducated. ZAMZAM opens the cryptocurrency market and the market of financial services for small and medium businesses and ordinary people. Blockchain technology allows ZAMZAM users to store their money converted to cryptocurrencies directly on the wallet in a mobile phone and make money transfers with exclusive control over them.

The product is backed by the team of professionals with more than 40 years of joint experience in entrepreneurship, and development. We are tired of the unfairness of the modern banking system and want to make it user-friendly for everyone.

MVP

We have completed the development of the alpha version of our product and released it. So, it is available for downloading and testing on the Web and Android, iOS is coming soon.

Web : https://app.zam.io

Android : https://is.gd/xEk8gi

Description of the functions developed for the Beta version.

We are developing several important functions for the release of the BETA version of ZAMZAM(1st quarter of 2019) and are focusing on working with fiat currencies. We have reached the phase of the interaction between the traditional economy and the new digital economy, thus creating a progressive bridge between them.

Under development:

• Buying cryptocurrencies for fiat

Users will be able to buy cryptocurrencies using their bank cards with the help of a simple and intuitively convenient form of acquiring in ZAMZAM applications.

• Managing customer bank accounts

With the help of the Open Banking API, users will be able to connect their bank accounts and operate them through the ZAMZAM applications (not available for all countries).
KYC confirmation


We are trying to make KYC procedures as convenient as possible for our clients. It will be enough for users to take a selfie and send a scan of a document to verify their identity! The entire process will take about 5 minutes (not available for all countries)!

When a bank account is connected, identity verification occurs automatically (not available for all countries)!

• Implementation of tariff plans
• Integration of ZAM Tokens

We are implementing support for ZAM Tokens released on the Stellar blockchain network in our applications. ZAM should be the main unit of account of the ZAMZAM system.

The ZAM Token is the internal currency of the ZAMZAM blockchain bank, which is used for paying commission for money transfers, purchases of ZAMZAM bank products, and switching to more appropriate tariff plans.

• Integration of Zam.exchange Alpha

A separate module is being developed in the form of the Alpha version of the Zam.exchange. After its integration into ZAMZAM applications, users will be able to perform exchange operations of the following formats:

◦ Crypto-Crypto

◦ Crypto-Fiat

◦ Fiat-Crypto

The Zam.exchange combines an aggregate of the largest cryptocurrency exchanges and offers the most favorable rates available on the selected coin!

• Fraud Protection

We are constantly working on increasing the security of our clients’ funds and data.

We always check suspicious user activity, and in the event of the identification of a number of factors, we oblige the user to confirm their identity through the webcam / camera of the smartphone.

Also, users will be able to set up two-factor authentication, to log in to the application and send large amounts. They will have to confirm their identity either by using the webcam / camera of the smartphone, or by phone number with a verification code.


FOR MORE INFORMATION :

 

WEBSITE                             : https://zam.io/en

WHITEPAPER                       : https://zam.io/ZamZam%20Whitepaper%20English%2020.08.18.pdf

FACEBOOK                          : https://www.facebook.com/zamzambank

 

AUTHORS                            : TELLYSA

TELEGRAM                          :@TELLYSA2206

BITCOINTALK'S PROFILE    : https://bitcointalk.org/index.php?action=profile;u=1898514