HDAC

This article provides an outline of the corporate referred to as Hdac, that launches its technologies within the blockchain system and also the world of digital assets. And for the nonce, Hdac is marketing out its digital assets of DAC tokens, therefore attracting capital to comprehend its plan. everybody will participate within the sale and get Hdac’s assets on the official website – https://hdac.io

Today, once everything in our lives is transferred to digital models one by one, all forms of systems that wont to be employed by hand, currently have electronic web affiliation. every kind of buying services and payments square measure still conducted through the enactment – the national currency, that is employed as a payment instrument. In today’s world, today, a development just like the crypto currency or the digital currency is taking additional and additional positions in several sectors of our life. Crypto currency has nice privileges and simple use for the exchange of funds, because it has the benefits of decentralization, similarly as simple, profitable, fast, clear and tough to govern, as a result of a powerful blockchain system, within which varied digital assets move, is constructed mistreatment complicated mathematical algorithms, through that it’s tough to penetrate.

So what will Hdac offer?
Hdac could be a written agreement IoT platform supported the blockchain system. Hdac uses the technological base of blockchain, and also the digital currency within the kind of DAC tokens that square measure issued on the Hdac platform. Hdac is launched within the IoT atmosphere of the net of things that square measure created to perform programmed intellectual tasks. IoT (Internet of Things) could be a “Machine to Machine” (M2M) service that monitors all devices. this can be an inspiration extended from the sensible Contract object to the IoT Device, wherever the computer user, once making the sensible Contract, shares the address of the device which will be monitored within the blockchain system via the Hdac platform.

As payment and exchange of funds, Hdac offers practicality of crypto-currency and payment services that square measure easier to use and square measure additional rational and effective. along side IoT devices and property to the platform, Hdac can supply the small Payment Platform. additionally, Hdac can transform a special Fidelech-based crypto currency platform, enhancing security for customers, providing hardware wallets for simple payment, permitting transactions through M2M (Machine to Machine) and IoT Devices.

In polishing off its tasks, Hdac can attempt to avoid wasting energy and supply honest harmony for all its users. That is, once making a block, one rule is required, connected to the chainchain, as a general agreement, that consists of proof of labor (PoW) and proof of possession (PoS). However, these ways square measure thought-about terribly energy economical and inefficient till they become redundant (PoW), whereas targeted extraction creates AN unequal stake among participants with many PoS stakeholders. to beat this, Hdac can produce AN ePoW system. This ePoW system are going to be geared toward eliminating the unskillfulness of extraction and monopoly. Applying the conception of the window block, this overcomes the final limitations and welcomes the cluster of stakeholders in an exceedingly uniformly distributed and redistributed network. Hdac plans to unharness a payment platform for small energy, and to update the ssistem, similarly as objects, and to become higher than different paid platforms.

The Hdac project was based by a undefeated company Hyundai bachelor’s degree & C with the support of variety of enormous firms in Asian nation Hyundai. this provides smart guarantees and prospects for fulfillment within the development of their concepts.

I prompt you that currently the sale of Hdac tokens continues, which is able to last till December twenty two, 2017, if you would like to affix the sale, attend the official web site of Hdac: https://hdac.io

For More Information :
https://hdac.io/
https://bitcointalk.org/index.php?topic=2402330.0
https://github.com/Hdactech/Hdac/wiki/Hdac-Technical-Whitepaper
https://twitter.com/Hdactech
https://t.me/Hdac_TGE

By Phunaepi99 : https://bitcointalk.org/index.php?action=profile;u=1258864

My BTC Address : 1A7uuiCdBy3NPMNRhkrSutCTYzoUnBTJXB

CRYPTERIUM – LEADING CRYPTOBANK FOR THE CRYPTOECONOMY. CRYPTERIUM ICO

Crypterium ICO

• Start Date: 31ST October 2017, 10:00 AM (UTC-4)
• Duration of Token Sale: 75 days, untill 12 January 23:59:59 (UTC-4)
• Price of CRPT token: 0.0001 BTC
• Option for early termination: Yes, upon reaching $47 million USD (hardcap)
• Technical limit to the number of tokens: 300,000,000 (three hundred million)
• Adjustable distribution: Unsold and unallocated tokens will be destroyed
• Further token issues: No, a single token issue within the ICO
• Secured methods of token purchase: You are able to buy CRPT tokens using BTC, BCH, ETH, ETC, LTC, DASH, USDT, XRP, Visa, Mastercard or USD (wire transfer, cash or check for any amount over $100).
• Mincap: $3 million USD, all funds will be returned
• Token distribution supported: No later than 25th January 23:59:59 (UTC-4)
• Token activation date: 25th January

Links

WHITEPAPER 

Sign Up Crypterium ICO

A cryptobank is a new kind of bank that provides the same type of services as a traditional high street bank, but with cryptoassets such as a cryptocurrencies and tokens rather than everyday money we are used to seeing today (often referred to as fiat money). Cryptobanks provide a service-payment infrastructure; a communication between the crypto-world and the fiat-world, opening up an opportunity for users to pay in cryptoassets, and the merchant to receive funds fiat money for services such as telephone, utilities, penalties, loans, taxes, internet, and so on. In simple terms, a cryptobank enables you to spend cryptocurrency in the real world.
Over the past 5 years, the team at Crypterium has been building the platform on which its cryptobanking services will be launched. The next stage in our development will be the release of a cryptobanking payment platform that will in turn will its own cryptocurrency – CRPT, to feed the transactional process. This platform will be ready for the release at the end of Q4 2017 – early Q1 2018

Comparing The World’s Best Traditional Banks With A New Blockchain Bank

Solutions

Crypterium’s goal is to provide a complete vertically integrated service that encompasses the best ideas from the entire community of the world’s best blockchain enthusiasts.

Mobile Cryptobank

Instant cryptocurrency payments without limits in 42 mln stores. Loyalty programs and cashback. Contactless payments via NFC, QR, ApplePay, AndroidPay

Physical bank branches, plastic payments cards, your personal neighbourhood banker, are all things of the past. Now everything is digital, mobile and contactless. Crypterium is building a new digital solution to Cryptocurrency era, that does mostly the same things as the current mobile bank providers, but faster, cheaper, safer using cryptocurrency on the decentralised blockchain. As soon as a customer downloads the Crypterium mobile banking App customers will be able to start to make transactions in current VISA, Mastercard or UnionPay infrastructure practically instantly.

Cryptocurrency Acquiring

Solutions for every sphere of retail trade and services. Native integrations with POS software. Crypto-to-fiat settlements

OpenAPI Platform

AppStore for retail cryptocurrency software and solutions. Own decentralized server infrastructure. Third-party integrations – Easy!

Blockchain Based Loans

Instant loans anywhere in the world. Combination of current scoring systems and smart contracts. United exchange for liquidity and lowering risks

Tokenholder benefits. CRPT Token Properties

0,5% from every transaction in CRPT tokens is “burned” forever for conducting the transaction. “Burning process” is decentrally regulated by smart-contracts. 0,5% will be calculated based on current exchange rate.
CRPT tokens issued during the ICO are the only tokens which will be issued by Crypterium.
No CRPT tokens will be issued after ICO.
The purchase of tokens during the ICO is the guaranteed way to use Crypterium settlements and purchase CRPT token for fixed price. Users, who has no tokens will have to buy CRPT tokens from tokenholders to use Crypterium ultimate banking possibilities. Crypterium is aimed on list it’s token on exchanges after ICO to support and enlarge userbase.

Up to 30% of Crypterium’s transactional income forms the Monthly Loyalty Program which is aimed on stimulating users to make more transactions via Crypterium and also to encourage especially active users. Loyalty rewards are made in CRPT tokens, which are purchased by Crypterium from public and private exchanges based on the current exchange rate at the time of purchase.

Each user’s loyalty rewards depends only on the amount of transaction he/she is made during the month in Crypterium services.

The uniqueness of the CRPT token is that it is demand-based. Each transaction in a crypto bank forms a demand for a token, because part of the funds from the transaction go toward its purchase on the open market. This ensures constant liquidity of the CRPT tokens.

Example

The total income of Crypterium for the month was $5,000,000, of which $1,500,000 was used to buy tokens and fill up cashback fund.The distribution will occur this way: imagine that in the platinum group are 1,000 tokenholders, who made transactions for $1 million in total. At the same time, one of the tokenholders made transactions for 10,000 dollars, therefore making 1% of the total volume of group’s transactions. This means that he will receive 1% of the volume of the token fund in CRPT tokens, which in dollar terms will be 7.5 thousand dollars. This is a good motivation to make further transactions.

Distribution of Tokens

Team

Many members of the Crypterium management team are highly experienced digital payment professionals coming from some of the most innovative Fintech sectors in Europe and having spent the better part of 10 years developing digital payment and banking solutions. This team is supported by experienced financial professionals and experienced C level executives who have worked in several different markets and countries.

When combined, the team has attracted more than $50 million in investments toward fintech projects they have been responsible for creating and developing, including PayQR (Russia’s leading independent contactless payment platform – see further comment below), Workle (a digital sales platform that has over 1.5 million independent users selling everything from credit cards to security alarms) and Bonus Club (a digital loyalty program that is integrated into leading publishers’ websites).

Selected team members:

Steven Polyak (Managing Director, Co-founder)
Austin Kimm (IR Director, Co-founder)
Gleb Markov (COO, Co-founder)
Vladimir Gorbunov (CCO, Co-founder)
Pavel Rasputin (CMO)
Nick Evdokimov (Strategy Director)
Dimitriy Fomin (CTO, Head of Security & QA)
Ilya Churakov (Video Producer)
Simon Sergeev (Head of Support & Communications)
George Ermakov (Strategy Development Manager)
Igor Tszyan-Nyn-Tsay (Head of Law & Regulation)
Ruff Rubaker (Аrt Director)
Ivan Vasiliev (Senior R&D Engineer)
Igor Semenchenko (Lead Mathematician, Senior Architect Developer)

Advisors:

Keith Teare (Executive Chair at Accelerated Digital Ventures)
Elie Galem (Chief Investment Officer at Eastmore Group)
Katrina Arden (Founder of Blockchain Law Group)
Fabio Tamburrano (Experienced CFO, General Director and current Board Member of Coeclerici Spa Russia)
Roger Crook (CEO of Capital Springboard)
Andras Kristof (CTO at Yojee, Founder and CEO of Fembusa Terminals Pte Ltd x)
Vladimir Kapustin (Founder of Firstline. ru, Project24. ru Advisor at Erachain. org)
Mike Raitsyn (Founder of ICObox)
Julian L. Zegelman (Managing Partner at Velton Zegelman PC)

Links

WHITEPAPER

Sign Up Crypterium ICO

BANKEX Proof-of-Asset Protocol: Financial Market Evolution

There are two Protocols that are widely used today: Proof-of-Work and Proof-of-Stake, – they are perfect for cryptocurrencies. However, with the growing demand for improving the liquidity of assets, yet avoiding the cumbersome process bounded by the rules and regulations of the traditional stock market, a new measure has paved the way for evolution. BANKEX is proud to present their Proof-of-Asset protocol. This technology enables information to be passed on in real time directly into the blockchain.

[Note: This is a sponsored article.]

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What is BANKEX Proof-of-Asset Protocol?

By exploiting the technologies of the Internet of Things (IoT) and Artificial Intelligence (AI) BANKEX is building its Internet of Assets (IoA) on the foundation of Bank-as-a-Service (BaaS). The BANKEX team is aimed at delivering a Proof-of -Asset (PoA) protocol which will be considered an industry standard for creating new decentralized capital markets in various business sectors.
BANKEX PoA protocol will be available for third-party fintech providers, such as AI and IoT labs, traditional financial institutions and most importantly a wide variety of asset owners.
BANKEX technology is set to changing the way ordinary transactions are carried out by making them clearer, faster and much more reliable.

Asset Tokenization

Tokenization is the process of protecting sensitive data by replacing it with an algorithmically generated number called a token, much like a website domain is a representation of an IP address on the internet, a token is a representation of information on the blockchain.  By processing this information BANKEX PoA can perform actions that would usually require a third party for verification. Simply put – tokenization of assets is basically the process of passing on the rights to an asset into the blockchain and making it globally available. BANKEX tokens carry both functions: utility and security while serving as a gateway to the platform they are also backed by real-world assets.
Currently, financial markets are faced with several problems that lead to lower liquidity of assets, here are just a few that BANKEX attempts to fix:

1. Numerous asset owners – this creates barriers to effective communication, making it harder to reach common ground.
2. High dispersion of an asset – this results in blurred understanding of cash flow, that is generated by every single asset.
3. Long period to launch projects and achieve desirable liquidity.
4. Inability to enter the financial market and attract sufficient investments for non-public companies.
5. Complicated process of tracking the lifecycle of an asset up to generation of cash flow.
6. High legal and accounting expenditures caused by asset transfers when early investors sell their assets at peak profitability.
7. Complexity of asset withdrawal if the terms of contract are not fulfilled.

In order to tokenize an asset, the company needs to ensure that said asset generates cash flow.

How It Works

BANKEX serves as an ecosystem that combines Bank-as-a-Service, PoA protocol, and blockchain technologies.
Bank-as-a-Service is a model, that enables offering fintech services without creating brick and mortar financial institutions. By using APIs and going through technical processes, BaaS provides the possibility for creating new financial products for various business sectors. Currently, FinTech is going through a stage of rapid evolution. Using a BaaS model will help FinTech companies and businesses reach their potential. Decentralization, which is available with blockchain along with Smart Contracts can solve the problem of lost trust, associated with modern banks.
In general, 3 entities are involved in the process:

1. Originator – the owner of an asset.
2. Supplier – the purchaser of the tokenized asset, i.e investor.
3. Product owner – the company that creates fintech products as well as provides technology for tokenization, e.g. BANKEX.

Everybody wins: originators are granted new business opportunities, suppliers can increase their investment portfolio, and product owners benefit from conducting transactions between originators and suppliers.

The Process can be broken up into 4 stages:

1.       Digitization	all available information regarding the asset is collected and verified by BANKEX before it is entered into the Smart Contract; at this stage all the legal and accounting issues are addressed, analyzed and if required, resolved.
2.      Tokenization	Step 1 – The gathered information is placed into an Ethereum Smart Contract.Step 2 – The Ethereum Smart Contract is transformed into a Smart Asset. During this step, BANKEX provides escrow services. A token is created.
3.      Asset trading	Step  3 – The newly created token goes to market. The token has to comply with a set of trading rules in order to be listed on the market, i.e. it has to pass a set of filters that are vital for verification.Step 4 – Here the price is adjusted based on to the market offer. The smart contract is put on the BANKEX market.
4.      Dealing	During this step it is important to make sure that the Token is guaranteed to be delivered to the supplier (investor). This process is carried out by Proof of Mining. The result of this stage is that the product token is successfully delivered to the supplier (investor) and stored in his wallet, in turn, the BANKEX token is delivered to the originator (asset owner).

Use Cases

The Proof -of-Asset protocol technology can be applied to various business sectors all over the globe. Let’s review a few possible applications. Target assets – assets with capitalization more than $100 million:

	Case 1	Case 2	Case 3
Sector	Real estate	Non-Profit: drinking water for Africa and India	Retail franchise network
Region	Hong Kong (China)	Africa, India, Russia, US	US and Russia
Client	International bank	Filter producer	Retail chain
Asset	Commercial and residential real estate	Frozen drinking water	The store’s cash flow
Token economy	Square meters of to be built apartments are used to back up tokens. Token price is stable. Project is on the go and the apartments are being built.(1 sq.m. = 10 tokens, One 100 sq. m.  apartment =1K tokens)	Charity donors are to buy water tokens(1 token=1 liter of drinking water)	The tokens are backed by revenue that is generated by royalties from franchises. Tokens can be used to purchase products in the chain stores.(1 token = 1 product)
Business case	Investors are given a liquid asset after the to-be-built real estate is tokenized.	In order to facilitate both the donation and donation tracking process. After the water tokens are purchased donors can track their journey to the end consumer.	To finance expansion i.e. open new stores. Token owners can buy products in the retail chain as well as take part in the company decision making process.

BANKEX  is supported by 10 banks and top tech companies, including the Microsoft Corporation.  BANKEX is ranked in Top- 50 FinTech startups of the world.
BANKEX technology is considered to be successful by members of the blockchain community. During the open pre-sale, $10 million wase raised, while the amount of $1,5 million was reached at the pre-ICO stage.
Further information on BANKEX is available at:

• Website: https://bankex.com/
• Talk to the team: https://t.me/bankex