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Last Update - 28.10.2017 UNIVERSA.IO How to participate in Token Sale guide FAQ ATTENTION In recent days we have detected sevaral fake sites that are mimicking our site. PLEASE BE AWARE! Our official sites are https://universa.io and https://check.universa.io. All other sites are a scam! Dear friends, As all you see we've got so heavy load on our website and payment gates, that we were not able to process all requests in time. As a TEMPORARY solution we are opening another payment gate - https://icobacker.com/campaigns/universa-tokens/ico-1 (btc/eth). This is the very same service where Universa preICO was hold. Also you can use our campaign at KickICO - https://www.kickico.com/campaigns/38941/universa-blockchain-protocol (eth) Sorry for any inconvenience. We'll do our best to make things working. [table][tr][td][/td][td][/td][td][/td][td][/td][td][/td][td][/td][/tr][/table] Universa is a new generation blockchain protocol, which has every potential to become a significant landmark in the development of a blockchain industry. Alexander Borodich, a creator of Universa platform, explains why this can happen in the nearest future. “Today, the dependence of blockchain on highly costly mining process resembles the dependence of gold coins on the price of gold. Instead, we suggest new cheap and easy way of creating smart contracts, which can act as cash substitutes, in a somewhat original way. If the invention of a bitcoin can be compared to the discovery of gold, then Universa is a new stage, symbolizing the arrival of paper money to the market of mutual settlements,” he says. Five Key Advantages of Universa over Bitcoin and Ethereum 1. Universa is a pioneer of the new generation blockchain Universa has originally been developed not as a cryptocurrency, but as a protocol creating and operating chains of smart contracts. Therefore, Universa platform does not depend on mining, which results both in high speed and low cost of procession operations, in terms of the resources required. 2. Universa is 1000 times faster than user familiar Bitcoin Universa nodes do not require mining and are responsible for verifying the transactions and smart contracts that customers submit onto the network. Waiving mining opened a way to increase network performance by hundreds of times. The Universa blockchain structure is based on the language of smart contracts, developed from scratch. The well-thought-out logical structure and language hierarchy made it possible to reach the speed of 10,000 transactions per second on the network nodes. 3. Universa transactions are 100 times cheaper than those in Bitcoin Today, it deems absolutely unreasonable to charge $3,85 for a few cents worth microtransaction. Yet, on the Bitcoin platform, this price is a current money transfer fee, which accounts for the speculative nature of Bitcoin exchange rate, and its high volatility. The smart contacts system on Universa platform allowed to decrease such fees by hundreds of times. 4. Universa offers an entirely new smart contract system Various smart contract chains can be created on Universa platform. These smart contracts can be implemented in almost all business fields. Universa smart contracts can be applied to programming both intracompany applications and public ones. For example: [li]Vehicle smart key[/li] [li]Fitness and SPA pass card[/li] [li]IoT - smart home elements working together[/li] [li]Payments at parking lots or gas stations[/li] [li]Logistics, cargo tracking [/li] It will be possible to implement all of the above mentioned and many other ways of Universa smart contracts applications, in the nearest future. 5. Universa is real “smart money” The Universa platform significantly simplifies the transaction processes in the field of e-commerce. It will make it possible to accept payments in any currency in automated mode in any currency in automatic mode and formalize the transaction document with a smart contract on the spot. Along with everything else, Universa will simplify the process of applying for loans in the Internet, electronic currency exchange, and filling in customs declarations to a great extent. There is no doubt that Universa will soon become one of the key blockchain platforms and will be widely present in different business spheres. Alexander Borodich is very open about his ambitious plan to attract at least $ 100 million during ICO. Today, Borodich, the former Mail.ru Group top manager, is the most active venture investor in Russia and the founder of Venture Club crowd investment platform. SEE WHITEPAPER FOR MORE DETAILS In short: Universa defines a set of data formats, protocols and entities, which enable smart contracts owned and controlled by services, organizations and persons, with a decentralized notary cloud that certifies each transaction. Each smart contract comes in a heavily protected, packed representation, the capsule, signed by at least one party (the owner) and optionally by any number of other parties; the capsule contains an unencrypted public, and optionally an encrypted private part, with multiple-key access. For example, the contract owner may not have access to the encrypted part, and several other parties may independently have access. Each capsule has a unique ID, by which the notary cloud can confirm and revoke its approval of the respective contract. A capsule approved by the notary cloud contains a smart contract, valid for all purposes declared in its public part. A party that has the necessary rights (e.g. keys) to perform one or more valid actions under the respective contract can perform those and validate the results, e.g., transfer some e-currency from one owner to another, vote with a public or privileged share, receive dividends, or do virtually anything else. SEE WHITEPAPER FOR MORE DETAILS More information about Universa Team you can find on universa.io KEY MILESTONES ICO BREAKDOWN ARTICLES ON UNIVERSA http://www.newsbtc.com/2017/08/11/universa-expects-raise-100-million-upcoming-ico/ https://www.coinspeaker.com/2017/08/09/universa-expects-raise-100-million-upcoming-ico/ https://www.coinspeaker.com/2017/08/15/universa-to-raise-100-million-ico/ https://news.bitcoin.com/pr-universa-expects-raise-100-million-upcoming-ico/ http://www.livebitcoinnews.com/universa-expects-raise-100-million-upcoming-ico/ https://criptonoticias.com/aplicaciones/universa-busca-recaudar-100-millones-ico-desarrollo-blockchain/ http://app.morningpost.com.cn/?app=article&controller=article&action=show&contentid=1652651 http://tech.huanqiu.com/news/2017-08/11154253.html http://www.baiduxw.cn/keji/2017/0821/65610.html http://www.goguan.cn/article-74689-1.html http://www.sharesinv.com/zh/articles/PR64817/ https://www.centralcharts.com/zh/news/912228-universaico1 http://www.heimoo.com/html/86381.html http://finance.huanqiu.com/roll/2017-08/11156249.html http://stock.stockstar.com/IG2017082100000432.shtml http://www.tingredian.com/finance/2017/08-21/s331718.html http://news.jstv.com/a/20170821/1503278360227.shtml http://www.livebitcoinnews.com/five-advantages-universa-blockchain-bitcoin-ethereum/ https://www.coinspeaker.com/2017/08/28/five-advantages-universa-blockchain-bitcoin-ethereum/ http://www.newsbtc.com/2017/08/29/five-advantages-universa-blockchain-bitcoin-ethereum/ BOUNTY CAMPAIGNS Official Universa Bounty Thread

I am shariar porosh from Bangladesh, I'm new the crypto world. I have joined this forum to know new something and get a better idea. that's it

The creation of new digital economy has two components: the modernisation of the existing “analog” economy, and the construction of a fundamentally new “crypto-economy”, which is based on new digital products and assets. Its manifestations are not only the beginning of payments in crypto-currencies or the receipt of investments using ICO procedures as a form of crowd-funding, but also the generation by telecommunication companies, social networks or search engines of new digital profiles of subscribers that do not fall under the current law on personal data. If in the former case there is an established system of law, then in the second – the world has to create it anew, starting with a single glossary and ending with civil-law relations. It is for this reason that the head of the IMF Christine Lagarde, who can hardly be called a proponent of the distribution of crypto currency, called for regulating this industry systematically and without excessive rigidity. And this was one of the main results of the meeting of finance ministers and heads of G20 central banks in Buenos Aires. World regulators already recognize crypto assets, but still hesitate to call them money. The pace of development of crypto-economics amazes and overturns all forecasts about the next speculative soap bubble. The volatility of the crypto currency, which we observe, is a common occurrence for newly emerging industries. Recall how through the ups, downs and at some point the cleaning up of excess garbage was born the world IT industry, as appeared Apple, Amazon, Google. With the advent of blocking technology and digital assets, this industry is moving into a new quality. It is enough to look at the growth in the number of projects and investments in blockchain over the past three years. ➡️ Read our article to learn more!! https://www.kycbench.com/rules-for-cryptoinvestors-how-not-to-prevent-rise-of-new-industry/ Join our Telegram Groups: https://t.me/kycbench (KYCBench Announcement) https://t.me/KYCBenchOFFICIAL (KYCBench Community) KYCbench, your reliable KYC partner www.kycbench.com GDPR & ISO/IEC 27001:2013 compliant

Yes. It has been a troublesome time for the bulls and the faithful. The memory of 10-20% daily increases continuously day after day seem like a long time ago. However, what has happened to ICOs since the beginning of the year. We have all read that over 80% of all ICOs have failed or been delayed after crowdfunding. Of course the downward turn of the market has affected the bottom line of many of these “ICO start-ups” but also government involvement has started to trickle into the industry and news about ICOs being closed down are slowly becoming more and more common. From government regulatory bodies in America to the European Union seeking recommendations from its member states, blockchain/cryptocurrency regulation seems to be ‘around the corner’. This puts many ICOs in a tough position. Sure, there are many laws already in place dictating how crowd funding and storage of personal data must follow however until there is a clear unified approach to the blockchain/cryptocurrency ‘problem’, it is still up to the ICOs to ensure that they follow the current laws in place. We often hear this term ‘unregulated’ however there are still certain laws that apply now that affect all industries and all sectors. The main law that needs to be followed by any company/enterprise/ ICO that processes or stores personal information of any EU citizen and that law is the GDPR. Read more at: https://www.kycbench.com/what-has-happened-with-icos-this-year/ KYCbench, your reliable KYC partner www.kycbench.com GDPR & ISO/IEC 27001:2013 compliant Please contact KYCbench today, the most reliable ID verification processor at: [email protected] Join our Telegram Groups: KYCBench Announcement KYCBench Community

The number of complaints filed to the UK’s data protection regulator has doubled since the General Data Protection Regulation was implemented in May 2018. According to figures from law firm EMW which reveal the number of complaints to the Information Commissioner’s Office (ICO) between 25 May and 3 July this year climbed to 6,281 versus just 2,417 during the same period last year. An ICO spokesperson said: “It’s early days and we will collate, analyze and publish official statistics in due course. But generally, as anticipated, we have seen a rise in personal data breach reports from organizations. Complaints relating to data protection issues are also up and, as more people become aware of their individual rights, we are expecting the number of complaints to the ICO to increase too.” The law firm pinned the increase on individuals having more awareness of their data rights, as well as companies being forced to report their own data breaches. Accordingly, to The Guardian in Austria, more than 100 complaints have been filed in July, along with 59 breach notifications – the same number that would typically be received in eight months. A significant amount of complaints have been filed against giant companies. Facebook and Google have already been the subject of complaints filed by privacy campaigners and consumer rights group, Noyb.eu. For firms across Europe, complying with GDPR is critical. Risking fines of minimum 10 million euros or 2% of a company’s annual turnover is a significant threat and as such is forcing companies to move toward greater transparency and openness with authorities and consumers. Read more at: https://www.kycbench.com/implementation-of-gdpr-cause-data-complaints-increase/ KYCbench, your reliable KYC partner www.kycbench.com GDPR & ISO/IEC 27001:2013 compliant Please contact KYCbench today, the most reliable ID verification processor at: [email protected] Join our Telegram Groups: KYCBench Announcement KYCBench Community

For blockchain related projects, KYCbench is built to fulfill the requirements of the GDPR and to comply to ISO27001 in handling and storing personal data for ICO whitelisting. For non blockchain related companies where other regulatory requirements apply, KYCbench works with each client to establish a tailored and customized solution which would allow their own KYC processing requirements to be applied with a state of the art KYC processing platform. Legislators all over the world are beginning to look into ways to regulate the cryptocurrency world and ICOs. Regulators have yet to create a uniformed approach to regulating the cryptocurrency space. This brings much uncertainty to the industry. Unfortunately with the current lack of regulatory certainty this means that many people who want to invest in an ICO for its utility (to disrupt/improve current industries) feel as though they are at risk of appearing as money launderers, criminals etc. As national legislators look to create balance between protecting investors from scams and not limiting them from investing, ICOs should also take the initiative to insure they are not putting their investors at risk. While national legislation has been often absent and unclear, (KYC) which is KNOW YOUR CUSTOMER is a big concept widely known in global finance. ICO providers need to know vital information about their investors or risk regulatory scrutiny. While the development of blockchain has been based on the belief to free people from the domination of governments and banking monopolies, it doesn’t change the fact that trading parties have a legitimate interest to know some certain information about their counterparty. ICO’s need to know if their investors have for example, links to terrorism and organised crime. Regulation for ICO’s worldwide has been a large focus in the last 6-12 months and KYC (know your customer) is now in fact becoming a requirement of many ICO’s to ensure the right investors can legally participate in ICO’s. Read more at: https://www.kycbench.com/the-importance-of-kycaml-solutions-such-as-kycbench/ KYCbench, your reliable KYC partner www.kycbench.com GDPR & ISO/IEC 27001:2013 compliant Please contact KYCbench today, the most reliable ID verification processor at: [email protected] Join our Telegram Groups: KYCBench Announcement KYCBench Community

Based on the in house designed Vguard Protocol, KYCbench has developed a GUI friendly and cryptographically secure KYC platform to verify sensitive KYC data for ICO whitelists and non blockchain enterprises wanting to improve on their existing regulatory compliant KYC processing procedures. KYCbench is built to fulfil the requirements of the GDPR and to comply to ISO27001 in handling and storing personal data for ICO whitelisting. For non blockchain related companies where other regulatory requirements apply, KYCbench works with each client to establish a tailored and customized solution which would allow their own KYC processing requirements to be applied with a state of the art KYC processing platform. The project was launched to solve a number of problems. The majority of ICOs currently exist in unregulated obscurity. In the past, ICOs have collected personal data in breach of regulatory requirements. ICO teams could inadvertently be exposed to legal liabilities of 20,000,000 EURO?s and potentially even criminal proceedings for processing KYC/AML data not in accordance with ALL the requirements of the GDPR.On the other hand, investors/end users, may find the process of continually being requested to submit their KYC information to prospective ICO investments bothersome, and also a risky practice.See full article here: https://www.kycbench.com/kycbench-tier-1-banking-institution-kycaml-solution/ KYCbench, your reliable KYC partnerwww.kycbench.comGDPR & ISO/IEC 27001:2013 compliantPlease contact KYCbench today, the most reliable ID verification processor at: [email protected] our Telegram Groups:KYCBench AnnouncementKYCBench Community

https://jsecoin.com The main feature of jsecoin is that now each browser and website will be able to get cryptocurrency! There are two types of a mining - 1 mining in the browser on the website jsecoin - 2 mining on the website. And is so more detailed about everyone: BROWSER MINING You press the Mining button, further Start Mining!The tab of a mining has to be always active, otherwise the speed and earnings falls to a minimum.You can stop and start a mining at any time and change the processor capacities allocated for a mining. WEBSITE MINING The system will generate to you a special script which needs to be established on the website.While visitors look through your website you will earn some reward. Coins of JSE can be stored either on their website or on ERC 20 wallet.I consider the big future at this project! Also I advise all to receive jsecoin coin because it is absolutely free!If have decided here LINK :https://platform.jsecoin.com/?lander=4&utm_source=referral&utm_campaign=aff19203&utm_content=

NEXT GENERATION OF THE GLOBAL PREPAID CRYPTO GIFTCARDS Total Tokens : 50 million WHAT IS EBLOCK COIN Eblock coin is a prepaid platform that you can buy all major gift cards from all department store as well as all the E-shopping online merchant of hundred of hundred different gift cards. And you can use Bitcoin and EBC coin for purchasing all kind of hundred of different major gift cards from all over. Eblock coin (EBC) is cryptocurrency. As a currency, EBC is like the Dollar, but it is only available in the digital world. The concept may sound like Bitcoin, and is actually not much different from bitcoin Blockchain Technology Financial system technology which uses an internet that does not depend on a single server. Decentralized Distributed network system, where there is no one person or a central authority that controls it. The blockchain code is not located on a central server operated by a company but is spread across thousands of computers in the blockchain network Transfer instant peer to peer Peer-to-peer itself means EBC runs without having a central server. The storage server is decentralized and distributed-divided into various servers run by each user connected to the network. A Cryptocurrency to everyone Cryptomarket is booming and getting more exciting day by day. In 8 years time crypto-economy will shoot over 10 trillion dollars. Client is looking more and more booming and more lucrative options for the decentralized economy and future daily life. READ MORE ON OUR WHITEPAPER - https://www.eblockcoin.io/Final_paper.pdf MAIN WEBSITE - https://www.eblockcoin.io/ BEGIN AND REGISTER NOW - https://www.eblockcoin.io/Register/new_ref/bitcoinprivategroup

Dakuce.com - Cryptocurrency exchange starts from July 4th, 2018Official Website:https://dakuce.com/Welcome to Our Official Social Media:- Facebook: https://www.facebook.com/dakucecom- Twitter: https://twitter.com/DakuceCom- Telegram: https://t.me/dakucecomAbout Dakuce ICO:https://dakuce.com/icoCrowdSaleBuy Dakuce Token (from June 2, 2018 to July 3, 2018):https://dakuce.com/memberCenter/ico/buyIcoContact us:https://dakucecom.freshdesk.com/support/homeWhat is Dakuce?The Dakuce project focuses on providing a powerful cryptocurrency trading platform, which not only involves cryptocurrency exchange but also other great services. We have deployed DApp and smart contracts based on blockchain technology where cryptocurrencies are exchanged for fiat currencies. Investing in our trading platform will reward you with heavy discounts on trading fees at our platform and high returns on Dakuce token. Dakuce is a decentralized exchange platform with security being paramount guaranteed to all the traders.On Dakuce platform all the cryptocurrencies are on real market rates and hence involves no manipulation in it.Apart from that, Dakuce ensures that it is profitable for its investors and users. We provide transparency to market data and its fees along with prediction analysis, moreover to provide concrete knowledge in fields of cryptocurrency investment resources. Updated news and education is made available at Dakuce in the field of cryptocurrency. This helps the investor to get clarity on how to manage and accumulate cryptocurrency funds.REFERRAL PROGRAM (Dakuce exchange site, not for ICO):https://dakuce.com/invite- The commission you receive from the referral program will initially be set at a rate of 20%. This will then be adjusted after a certain period of time based on the situation.- The fee commission will be sent instantly in real-time to your Dakuce account as your referee completes each trade and will be paid to you in whatever token/cryptocurrency the original fee was paid in.- There is no limit to the number of friends you can refer, although we do reserve the right to adjust or change the referral program rules at any time.- The referee must be signed up through your Referral Link, QR Code or Referral ID.- We will check for duplicate or fake accounts and will not pay out referral bonuses on these accounts. Duplicate or shared finances will result in disqualification.*Important Notice:Dakuce reserves the right to change the terms of the referral program at any time due to changing market conditions, risk of fraud, or any other factors we deem relevant.Salient features of Dakuce Exchange• Listing of various coinsDakuce exchange will list various coins that can be inter-exchanged and traded. Though in the beginning the platform may support Bitcoin and other leading cryptos but in the long run the exchange will offer many currencies of international recognition.• High performance engineThe trading system of Dakuce is based on highly accelerated and technically efficient hardware platform. The volume of transactions and the level of tolerance is thousand times higher than any other normal exchanges. • Secured trading systemDakuce offers security at system level as well as operation level. It has internal risk control department that works on tough data controlling processes. The system is formulated in a way that ensures multi-level checking of every transaction to ensure maximum security of the data.• Efficient customer serviceCustomer is the respiratory system of Dakuce exchange body. We at Dakuce offer incomparable ethical customer service to ensure higher customer interactions with no delays. • Operations strategiesDakuce efficient team and management are dedicatedly working on laying of high-end operational plans and executing them with utmost systematic procedures. Both long terms as well as short term plans are developed with sufficient space for changes in times of market volatility. • Decentralized tradingIn a decentralized trading platform, every investor is treated as independent entity which can easily make digital transaction with other similar independent entities without any restrictions. Dakuce gives more space to the investor to trade and earn.• Dedicated teamDakuce team is dedicatedly involved in producing and implementing solutions of higher importance to the global digital crypto market with utmost priority.Business Model:• Receive daily dividends:The registered members of Dakuce are entitled to receive daily dividends. They will be charged 30% of trading fee after deduction of bonus which varies with their shareholding percentage.The revenue model of paying daily dividends has been made independent from the trading platform for the convenience of management as well as to provide optimum benefit to the users. • Coin burning to raise the coin value:20% of the trading fee which has been charged will be diverted to buy and burn the coin, in order to create shortage and increase the value of the coin every quarter. • Trading fee against maintenance:50% of the trading fee will be used to cover the monthly cost of the team.• Commission percentage:10% of the trading fee will be used to pay commission.Whenever a new coin gets listed on our exchange, Dakuce will enter in an agreement with the crypto company on the fee payable inclusive of other bonus coins. These bonus coins will be distributed among the registered holders of Dakuce ICO tokens depending upon the responsive ability of the coin developers.• Airdrop-bounty:The registered members of Dakuce will get free 10-20 number of coins (condition: with respect to account verification against fraud).**Online Customer supportWe have a 24*7 online customer support system where our team of dedicated professionals thrives hard to clear all your major doubts and inquiries. You may feel free to contact us any time and we are ready to help you. We guarantee you to provide all the necessary resources, imply all the tools and professionals required to clear your doubts.We charge a minimal trading fee of 0.1% from our users and make sure to have KYC done of each customer. This ensures the credibility of traders and makes our trading platform safe.If you have any DAKU, we will use DAKU to pay for transaction fees as default. 25% discount will be applied.

Hi Please check out out latest website with aggregated content for all ICO related happenings Latest ICO News Your comments are welcome Thanks

Loyakk is a addressing a global business problem with a large target market. These critical problems faced by companies across the world and across multiple industries can lead to billions of dollars in lost revenue and increased costs. Existing enterprise solutions have failed to address the problem effectively and are dated, significantly flawed and unsecure, and require manual interventions or workarounds. The Loyakk platform offers companies unrivaled ease of interaction with secure movement of business data in keeping with business rules and intricate business relationship context – all via their own secure, transparent and private business networks. The basis for our platform – built with patent-pending blockchain technology – is our in-house token LYK which protects & tracks critical business data across business networks. CLICK HERE https://loyakk.io

What is Modern coin? Modern Coin is a new cryptocurrency with trading, leasing, staking and networking platforms designed to provide great benefits for both short and long term. The number of coins is limited to only 20 million coins with ICO Crowdsale limiting 2 million coins plus 20% for token sales commissions. The Modern coin system creates an ecosystem of supply and demand that affects price increases using the best concepts and innovations of the future. Experienced team software and business developers on cryptographic platform. Skill-set from design and development to marketing. Our mission is to create a reliable business system on blockchain for sustainable benefits for all users. Why participate in Modern coin (MDRN) Modern Coin is the world’s first blockchain & digital currency option for participating in the production of organic agriculture. The deficit of fruits and vegetables import& export to South East Asia Market is estimated at 500 hectares, and the consumption is increasing. In the medium term, our team is planning to increase the production area to 1,000 hectares. Our business is easy to scale and it is growing into a serious player in the Asia fruits and vegetables market. Modern plantation is a real proof asset with blockchain inside. It is new technology of the digital currency and agricultural sector. This is the first generation of leasing plus binary program in the world. MDRN are going to setup an exchanger with a multi tier affiliate program which helps our users generate masive income. GET TO KNOW MORE ABOUT OUR COIN AND PARTICIPATING WITH US: http://mdrncoin.io/?ref=606258 KNOW MORE ABOUT WHAT WE OFFER ON OUR MAIN WEBSITE (FEATURES | ROADMAP | WALLET | FAQ |E.T.C|- http://www.mdrncoin.io/

L-pesa - http://kriptonofafrica.com L-Pesa is a financial technology platform providing new financial tools to consumers and small business in Africa and Asia. We allow people to create opportunities for themselves and their families. Borrowers on the L-Pesa platform use funds to start or grow a business, pay for education or otherwise support their ambition in life. Using a dedicated token on the blockchain means that all investors can benefit from the capital gain caused by the network effect. The coins are finite in supply, and as L-Pesa expands people can pay back their loans with the coins. People will also be able to use to LPK buy goods and services. About L-pesa L-Pesa Microfinance is a fintech startup poised to take advantage of the fast-growing need for financial services in the developing world. The company has validated its operating model over the past 18 months and has built sophisticated technology, automating most of the operation. Its primary barrier to growth at this point is its ability to fund user acquisition and loans. The loss ratio on loans runs below 10% while return on loans is approximately 25%. The idea for L-Pesa was incubated for a decade, and the business was launched at the time four important market forces converged to allow scaling: Big Data, Artificial Intelligence & Blockchain Alternative Credit Data Mobile Technology Biometric Identity L-Pesa has harnessed these market forces and built technology and a proprietary credit scoring model that allows it to quickly scale microlending in developing countries while keeping loss ratios below 10%. The solution is highly automated, allowing a small back office team to support high volume loan origination. All loans are serviced by L-Pesa. Ron Ezra Tuval, the founder and managing director of L-Pesa, has extensive experience in the developing world, primarily related to technologies-related agriculture and tourism projects. Ron first came across microfinance in South East Asia and spent a decade incubating the idea of L-Pesa while waiting for the required technology to mature. Ron has built a strong and diverse team for L-Pesa with in-country managers operating in Tanzania, Kenya, and Uganda, and a development team in India. There is also a back office team in Tanzania, Kenya, and Uganda handling background checks, credit approvals and customer service. The technology, marketing, and accounting teams operate on a virtual model and consist of experienced staff based in Europe, USA, and India. L-Pesa has a strong focus on automation. 95% of the user acquisition and loan underwriting process is automated and therefore extremely scalable. The company has spent two years developing its customer-facing and back office systems using a team of seven software developers. The user 832754982.1 4 experience is based on mobile and web interfaces, and marketing is primarily handled via social media and SMS-based marketing. L-Pesa’s technology stack is built on top of Amazon Web Services, an extremely scalable on-demand cloud computing platform which has been or is used by major brands such as Netflix, Airbnb, Pinterest, and Spotify. L-Pesa has integrated a number of third party applications to perform tasks such as SMS messaging, user verification, and marketing. Funds transfers are handled via integrations with mobile money service providers such as M-Pesa, Tigo Pesa, and MTN. L-Pesa has issued over 35,000 loans since going live in March 2016. Over 160,000 users have registered based on social marketing campaigns run on a minimal budget. The marketing strategy has been refined over the past 18 months, and L-Pesa is now prepared to launch marketing campaigns via SMS and social media with a conservatively projected customer acquisition cost of $1.00. The founder of L-Pesa, has invested approximately $500,000 to date. The business was launched in Tanzania in 2016 and in Kenya in August 2017. Soft launches are underway in Uganda and India. The company’s technology is stable, scalable, proven, and will support the company’s growth plans. At this point, L-Pesa has hit a growth barrier—there is not enough capital available to lend to everyone interested, and the potential for user acquisition is almost unlimited, but requires capital for marketing expenses and support staff. The company is now raising funds to take advantage of its leading position, strong platform, and nearly unlimited opportunity to extend financial options to a large portion of the earth’s population. READ FULL DETAILS FROM WHITEPAPER - https://kriptonofafrica.com/static/pdfs/L-Pesa ICO white paper 2018.pdf GET FULL UNDERSTANDING FROM BLOGSITE AND HOW IT WORKS - https://blog.l-pesa.com/ http://l-pesa.com/tz/pages/how-it-works BEGIN NOW AND JOIN THE FUTURE OF MICROFINANCE - https://ico.lpesa.io/ YOU CAN JOIN OUR TELEGRAM GROUPS - https://t.me/kriptonsocialexchange -The First Social Crypto Exchange And Also - https://t.me/LpesaICO