PECULIUM - Savings Management Platform Using Blockchain




PECULIUM is a revolutionary savings platform that seamlessly integrates the power of Automated Machine Learning and Artificial Intelligence (AML-AI), Blockchain Technology (Ethereum), and the economics of traditional savings and cryptocurrency markets.

PECULIUM conducts its business over the Ethereum blockchain, which further improves decentralization of the platform and leads to the democratization of the contractual relationships. PECULIUM will generate profits by trading cryptocurrency markets with the help of AIΞVE. At the end of each contract period, 50% of the profits generated by the execution of First SOLIDUS Contract will be distributed among the investors according to the percentage of PCL tokens owned and the duration of owning the tokens.

PECULIUM is the first savings management platform to take advantage of the blockchain technology. PECULIUM revolutionizes savings management by deploying immutable Smart-Contracts over the Ethereum blockchain.





Our advisor, AIΞVE is designed to learn from the analysis of the massive amounts of historical information. AIΞVE can read news articles, books, novels and other literature in eight different languages. AIΞVE also collects and analyzes enormous streams of information from financial markets, media, and networks relevant to cryptocurrency markets in real-time.

Using Automated Machine Learning (AML) AIΞVE is also capable to gain superior insights into the market trends. AIΞVE is also capable of predicting cryptocurrency markets fluctuations with far greater accuracy, resulting in a better chance to profit from the short-term volatility as well as the long-term trends. Integration of AML AIΞVE in the decision-making minimizes the risks and greatly enhances the probability of the favorable outcomes.

Since the advent of the first blockchain-based cryptocurrency "Bitcoin" in January 2009, the cryptocurrency market has grown exponentially. According to recent estimates, the global cryptocurrency market capitalization is approximately $150 billion USD. Although in the last few years, the growth in market capitalization has been anything but spectacular, the cryptocurrency market is still in its infancy.




As of April 2017, an estimated 11.5 million wallets are active. The average value stored in each wallet has increased significantly, driven by gradual mainstream adoption of crypto-assets, and thus resulting in the higher market capitalization. For example, since Jan 2017, the market capitalization has exploded by 10 times. This surge in the market capitalization has shown little to no intention of slowing down.

With the help of smart-contracts over the Ethereum blockchain, PECULIUM provides transparent solutions for the investment of traditional savings in cryptoassets. Using Artificial Intelligence, PECULIUM maximizes benefits from the thriving cryptocurrency markets. PECULIUM merges traditional savings and cryptocurrency markets via blockchain technology in a mutually beneficial relationship, potentially providing outstanding returns for the invested savings.

PECULIUM Products :


SOLIDUS
is an end to end smart-contract designed specifically for Businesses and Institutions. In comparison to the First Solidus Contract, SOLIDUS is offered at various intervals of 1 week, 1 month, quarterly, and 6 months. SOLIDUS integrates all (137+) basic algorithm features such as security, stability, balance, serenity.





ALTERUS
is an end to end smart-contract designed specifically for large businesses and financial institutions. Compared to the SOLIDUS, it provides far greater control over saving-management parameters allowing financial institutions to appeal to brokers in delegation of management. ALTERUS with SOLIDUS will provide abroad spectrum of flexibility and autonomy over the savings management.
ALTERUS products include :
  • ALTERUS classic autonomous management without AIΞVE
  • ALTERUS B delegation of management without AIΞVE
  • ALTERUS B+ delegation of management with AIΞVE
  • ALTERUS C+ autonomous management with help of AIΞVE




SINGULUS
is the grassroots solution provided by PECULIUM. It is designed specifically for Individual investors or groups of individuals. SINGULUS is equipped with basic features such as risk management, security, and stability. Modification of the SINGULUS is possible via subscription of a wide range of features. It allows calling brokers and partners for financial management, which enriches SINGULUS with the ability to self-manage as well as the flexibility to delegate. SINGULUS also allows management of funds by the help of AIΞVE in the form of a subscription :
  • SINGULUS management without AIΞVE
  • SINGULUS+ management with AIΞVE



PECULIUM ICO

TOKEN NAME : Pecul

SYMBOL : PCL

PRICE PER TOKEN : 1 PCL Token = 0, 01 € (according to Kraken exchange rates for € / ETH and € / BTC)

CURRENCY : BTC / ETH

WHAT DOES PCL REPRESENT ?
The PCL token represents a profit share in company PECULIUM. All token holders are eligible for obtaining dividends according to the proportion of the tokens held.

PAYOUT :
At the end of every SOLIDUS period and every financial year a percentage of the company's profit is transferred to an ETH wallet. The ETH is then redistributed to all Token holders according to the percentage of PCL Tokens owned.

TOTAL SUPPLY : 20, 000, 000, 000 PCL

Tokens will be immediately transferrable after the crowdsale within 1 week.


Early investors and contributors of the PECULIUM project will be allocated bonuses. PECULIUM values small as well as big supporters in the crowdsale equally. The bonus will be allocated only on the basis of timeframe and will not depend on the amount of contribution. Private sale backers will be given 50% bonus tokens. During Pre-ICO and ICO phases, the bonus structure will vary with time from 35% to 0%, as shown below. The large investors during the continuous coin offering phase will not receive any bonus.




CLICK LINK BELOW FOR MORE

PECULIUM Site : https://peculium.io/
PECULIUM Twitter : https://twitter.com/_Peculium




Profile bitcoin : https://bitcointalk.org/index.php?action=profile;u=1343532
ETH Addr :  0x0243E433ee123cDB927e22e99FA31D0d34195A38

COVESTING - The Smart Investing Platform




COVESTING is a platform that allows its users to automatically copy the trades made by the successful cryptocurrency traders and profit together.

COVESTING is led by a world-class team with backgrounds in trading, investment banking, blockchain, AI, data, and fintech (Saxo Bank, SEB Bank, JP Morgan, Zurich Insurance and others) with accumulated trading experience of over 60 years.

Over the past few years, cryptocurrencies proved to be the fastest growing asset class and offered phenomenal rewards for those who decided to invest. Long term investors, as well as day traders, benefit from the unique opportunities offered by the most promising market we have ever seen.

However, investments into cryptocurrencies require time, specific knowledge, analytical skills, as well as professional tools to be successful. The difficulty is the main reason why most people simply miss tremendous opportunities offered by a booming market. This was the case until the COVESTING was introduced.
COVESTING is about to disrupt investment management industry and become one of the leading players on the cryptocurrency market by introducing the most complete infrastructure for investors and traders which includes:


COVESTING peer-2-peer Asset Platform – the essence and core of the COVESTING infrastructure. It implements a successful peer-2-peer business model and disrupts the traditional investment management industry.

Crypto Intelligence Portal – the most complete educational resource and knowledge base built by traders for traders; featuring latest market news, unique content created by leading crypto experts aimed at educating the community, sharing trading ideas and discussing latest market developments.

Liquidity aggregation / Algorithmic trading - We aim to establish direct API bridging with cryptocurrency exchanges from all over the world. Aggregated liquidity offers unlimited opportunities for further expansion:
  • Market making and deal matching
  • Options/Binary options market making
  • Algorithmic trading strategies (arbitrage, HFT trading.)



The COVESTING Trading Terminal – An advanced trading platform, adapted to the needs of traders using various strategies ranging from day trading and spread trading, to long term investments. Terminal creates unique opportunities for its users, offering an aggregated Level 2 order book from combined quotes of multiple vendors and provides essential features such as:
  • Advanced charting software 
  • Aggregated market depth with combined liquidity from top exchanges
  • User friendly interface with advanced functionality 
  • Advanced trading tools and algorithms such as VWAP and Iceberg orders 24/7 customer support/Live chat
Backed by a strong team of industry professionals, COVESTING is on a clear path to become an ultimate solution for investors and cryptocurrency traders. It will cover every aspect related to cryptocurrency trading, from education, market overview and trading ideas to the unique concept of p2p asset trading, liquidity aggregation and ultimately the most advanced trading station ever.




Benefits COVESTING for Investors :
  • Trade Like a Pro, Everyday investors can search and compare performance of hundreds of proven crypto traders and mirror their trades automatically in real time.
  • Keep it Secure, There is no need to transfer funds to a trader directly, all mirrored trades are executed in your personal account at COVESTING.
  • Monitor and Control, Real-time reporting enables all users to get a full picture of their trading activity at any time.
  • Diversify, Each investor can diversify their investments by subscribing to 20 different Models (traders) at the same time.
Benefits COVESTING for Traders :
  • Access Capital, Instead of spending time acquiring clients, asset managers and crypto traders instantly get access to the combined capital of the entire COVESTING community.
  • Earn +18% in fees, Each trader can easily setup a trading Model and earn additional income by allowing others to copy their trades.
  • Grow your Income, The more successful a trader is, the more subscribers they will acquire, increasing the potential of how much they can earn from profitable trading.



COVESTING ICO

The public ICO will be held on the Covesting.io website starting on November 24th. The token sale will last for 30 days. A maximum of 20.000.000 COVESTING tokens will be generated, including 1.500.000 to conduct a PreICO, and 15.000.000 to conduct a full ICO. Another 2.500.000 will be shared between the founders of the COVESTING platform and locked in a smart contract for 3 months, while the rest will be generated for advisory, bounty and PR pools.

Token Name : COV
COV is ERC-20 token. 
COV token supply is capped by 20M. 
All unsold tokens will be burned. 
Limited token supply results higher demand and value growth. 
Price :
TOTAL COV SOLD   COV per 1 ETH rate / discount
[stage 1]0 - 1M COV     1 ETH = 800 COV / -35%
[stage 2]1M - 1.9M COV     1 ETH = 720 COV / -28%
[stage 3]1.9M - 3.6M COV     1 ETH = 680 COV / -23%
[stage 4]3.6M - 6.8M COV     1 ETH = 640 COV / -19%
[stage 5]6.8M - 9.8M COV     1 ETH = 600 COV / -13%
[stage 6]9.8M - 15M COV     1 ETH = 520 COV




CLICK LINK BELOW FOR MORE
COVESTING Site : https://covesting.io/




Profile bitcoin : https://bitcointalk.org/index.php?action=profile;u=1343532
ETH Addr :  0x0243E433ee123cDB927e22e99FA31D0d34195A38

Earth Token - Transform the Natural Capital Asset Market



The Natural Asset Exchange blockchain platform and EARTH (WEBSITE) Token cryptocurrency provides a unique opportunity to truly transform the Natural Capital Asset market, by creating a Natural Asset Marketplace that allows all stakeholders in the climate value chain to participate. 

Climate change poses a major risk to the global economy, affecting the wealth and prosperity of all citizens and nations around the world. It will have significant impact on resource availability, energy pricing, infrastructure vulnerability and company valuations. Climate change adaptation requires our collective, and urgent intervention, to ensure future generations are left with a sustainable planet.

Natural Capital is the world's stock of natural resources. The untapped and undervalued. Natural Capital asset class is estimated to be worth in excess of USD $120 trillion, yet no transparent mechanism exists to connect producers of Natural Assets with business, consumers, or IoT devices. 

Establishment of the Natural Asset Exchange blockchain platform with EARTH Token as the settlement mechanism currency will :
  • Provide a free, open, transparent and universally accessible platform connecting producers of Natural
  • Assets with buyers
  • Eliminate fraud and double counting of Natural Assets
  • Provide sellers with flexible pricing mechanisms
  • Reduce complexity related to fiat currency exchange rates
  • Eliminate registration fees for both buyers and sellers
  • Eliminate the need for external 3rd party registries for buyers and sellers
  • Eliminate the requirement for buyers to fund escrow accounts
  • Eliminate minimum transaction volumes
  • Vastly reduce transaction fees
  • Reduce lead times through simultaneous fulfilment & settlement
  • Enable embedding of Natural Assets directly into products and/or services
  • Enable all to invest in Natural Asset projects, creating sustainable, risk-adjusted, long-term returns for all participants 



The hotel deducts the emissions reduction from their overall emissions, by association to the transaction, whilst the guest receives the actual carbon asset that is used to mitigate their environmental impact, proportional to their number of 'room night' stays. When implementing our environmental impact mitigation solution, we transfer an emissions mitigating Carbon Asset from the native Carbon Asset source wallet address, to a wallet address owned by the guest. This provides irrefutable proof of environmental impact mitigation.

For our clients in the business-to-business (B2B) market, the above embedded environmental impact mitigation activity has proven to be a distinct differentiator enabling our clients to win new contracts and grow market share.

Carbon Mitigation

The impactChoice Carbon Mitigation Solution is an elegant approach to compensating for negative environmental impact. It works by apportioning environmental impact mitigation mechanisms, and costs, to predetermined business metrics, which are directly linked with product, and service delivery, cost of sales models. 

The value proposition and benefits of our proven emissions mitigation solution can therefore be summarised below.

Marketing Benefits :
  • Enables the marketing and sales of a 'climate neutral' guest experience
  • Includes annual Greenhouse Gas emissions inventory audits (GHG Protocol & HCMI), and provides inputs for GRI sustainable development reporting & sustainable tourism certifications
  • Provides individual and corporate guests with tangible Carbon Assets as irrefutable proof of environmental impact mitigation
  • Creates 'environmental touch points' with guests that can be leveraged on social media channels 
Environment & Technical Benefits :
  • Provides the foundation for a long-term environmental sustainability strategy that results in immediate reduction of emissions
  • A credible and tangible Carbon Asset management program built on blockchain / distributed ledger technology
  • An Energy Management System which enables energy usage monitoring and optimization
    Access to an ISO 14001 compliant Environmental Management System is currently under development





The impactChoice Climate Neutral Fuel solution is a technically proven, turnkey approach to fuel management that increases the operational efficiency of combustion equipment assets, resulting in an overall improvement in fuel consumption, reduced fuel costs and mitigation of harmful emissions associated with the combustion of fuel in vehicles, generators and other combustion assets vital to business and industry.

Benefits :
  • Reduced emissions during the combustion process and avoided emissions by using less fuel through deployment of an EPA registered combustion process enhancing fuel catalyst
  • Residual emissions mitigation and reduction in environmental impact through the purchase of Natural Assets via the Natural Asset Exchange - based on actual fuel volume consumed
  • Reduced overall cost of fuel purchases
  • Results in an on-going Net Financial Benefit of 5% or more




The Syngas produced by this gasification process is a clean, dry, flexible fuel which can be :
  1. Burned to create heat and electricity,
  2. Passed through any of several different catalysts to produce fluids such as alcohols and transportation fuels, including clean burning diesel,
  3. Used to supply pure hydrogen gas for multiple applications.
impactChoice has partnered with TCG Projects to provide the Carbon Mitigation Solution described above to mitigate the actual emissions produced during the process, resulting in climate neutral energy products, when combined with our Carbon Mitigation Solution.



 
Waste-to-Energy solutions
Waste-to-energy is the process of generating energy from the primary treatment of waste materials, and is a form of energy recovery. TCG Projects (Pty) Ltd (tcgprojects.co.za), a strategic business partner, provides gasification plants capable of converting any carbon-containing feedstock such as biomass, coal, petroleum coke, or municipal solid waste into synthetic gas (Syngas), consisting primarily of hydrogen (H) and carbon monoxide (CO).




Token Sale

Token Name : EARTH Token
Token ticker symbol : EARTH
Token type : Ethereum ERC20
Token sale start :
  • Pre-sale: 17 November 2017
  • Sale: 15 December 2017
Token sale duration : 90 Days
Minimum purchase : 1 ETH / 0.04 BTC
Token stages and exchange rates : Pre-ICO: 5200 per 0.04 BTC/ 1 ETH (30% bonus)
3 Stage ICO each equal to 30 days, total 90 days :
  • Stage 1: 4800 per 0.04 BTC / 1 ETH (20% bonus)
  • Stage 2: 4400 per 0.04 BTC / 1 ETH (10% bonus)
  • Stage 3: 4000 per 0.04 BTC / 1 ETH
Number of Tokens to be issued : Max 1 billion EARTH

TEAM






CLICK LINK BELOW FOR MORE
Earth Token Site : https://earth-token.com/
Earth Token Whitepaper : https://earth-token.com/pdf/impactChoice-Earth-Token-Whitepaper.pdf




Profile bitcoin : https://bitcointalk.org/index.php?action=profile;u=1343532
ETH Addr :  0x0243E433ee123cDB927e22e99FA31D0d34195A38

Credito - Credit Intelligence in The Future


Credito is a decentralized credit intelligence network providing credit scores, transaction scores and lending marketplace powered by Ethereum blockchain, Smart Contracts and IPFS, bringing enhanced transparency and reliability.

Despite the efforts made by banks, card issuers, and merchants, credit card fraud continues to grow faster than credit card spending. According to a 2016 report by Nilson, losses from credit card fraud amounted to $21.8 billion in 2015 that’s an increase of 162% from the 2010 figure which was $8 billion. The losses for 2016 are already estimated at over $24 billion, and these losses are expected to reach $31 billion by 2020. The total value of credit and debit card transactions was $31 trillion in 2015. So, nearly 0.6 percent of the value of all transactions was lost to fraud.

These losses occur throughout the system, including at the point of sale, at ATMs, and during online transactions. While EMV chip technology has reduced the incidence of in store fraud, it does not help with online fraud. While the growth projections for p2p lending are promising, one of the major challenges is providing a system to reduce fraudulent and high risk activities, as they result in loss of investor confidence and trust.

As a solution to the above problems, we have created the Credito Network, or simply Credito, A decentralized network based on Ethereum blockchain coupled with smart contracts and Interplanetary File System (IPFS5) providing Credit Intelligence and Decentralized Lending Marketplace.

Features of Credito :

Credito is Transparent
Today when you make any transaction through the banking system, you do not have access to the ledger. Ethereum network provides an immutable ledger, where every transaction is recorded and is always open for inspection.

Credito Loan Agreements are Smart Contracts
Credito Loan Agreements are self-executing contracts with the terms of the agreement between Lender and Borrower, directly written into lines of code which brings enhanced transparency and reliability.

Credito is “Trustless”
Credito will avoid risks that are associated with third parties, and also removes the need to trust the counterparty. 



The Credito Analytic Engine

Credito scores aim to derisk the investor's investment and the borrowers’ credit score. Credito scores are generated by Credito Analytic Engine, a self-learning algorithm using a continual feedback loop with the help of Big Data analytics , Machine learning, and Artificial Intelligence, offering a score which acts as a dynamic marker of a person's probability to repay a loan amount, which evolves with the client's record of loan repayment.
Features :

Identity Verification
Registration and Identity Verification is a prerequisite to access the services provided by Credito.

Credito Scores
Credito collects anonymized transaction history of the borrower from various alternative data providers.

Risk Variables and Risk Profiles
Risk Variables are the core of the Credito Network’s modeling power. It is crucial that an easily maintainable library of Risk Variables is generated. The primary goal of is to increase the overall efficiency of this self-calibrating scoring model. Risk variables include details such as :
  • Patterns of behaviour.
  • Location of spending, like merchant info, POS etc.
  • Preferred online merchants or websites.
  • Recent spending trends and deviations.
  • Significant spending activities.
  • Repeat purchases and / or attempts.
  • Time of the transactions.
  • Device information of the transactions originated, like mobile, desktop etc
Predictive and Descriptive Analytics
The blockchain ledger includes massive amounts of transactional data. Ethereum ledger data can be processed and interpreted with the use of block explorers for financial decentralized applications.

Profiling and Matching
Backed by the powerful analytics and advanced data mining techniques of the Credito Network, lenders and borrowers are profiled with their past behavioural patterns and practices.

Credito Transaction Scores
Credito transaction scores are derived from transactional fraud analytics, which combines analytic technology and techniques to help detect potential improper transactions, such as those based on fraud and/or bribery, either before the transactions are completed or after they occur.




Credito Analytic Engine Architecture
Credito uses IPFS7 to store the encrypted data. IPFS can work in partitioned networks, and does not need a stable connection to the rest of the web in order to access content. Even if a node fails, it only takes one node adding the content in order to restore availability, removing reliance on a single point of failure. Files on IPFS are content addressed (hash of the file contents) providing versioning guarantees.




The CreDApp is decentralized marketplace serving as an interface for lenders and borrowers. Unlike traditional applications where the backend code is running on centralized servers, a DApp runs on a decentralized peer-to-peer network. CreDApp guarantees trust and transparency thereby eliminating the need of third party intermediaries.









The loan agreement process:
  1. Maker creates a credit order in the CreDApp requesting a loan by pledging Token A as collateral for Token B, specifying a desired interest rate, LVR, expiration time, and signs the request.
  2. CreDApp attaches the dynamic Credito report of the Maker to the request, verifies the Maker has enough Token A and freezes them until the loan is serviced or the credit request expires, and broadcasts the request over Credito.
  3. Taker intercepts the request and decides that they would like to fill it.
  4. Taker submits the makers signed request to the Credito with his signature.
  5. The Credito authenticates Maker signature, verifies that the request has not expired and has not already been fulfilled, then creates a smart collateral management contract by transferring the collateral to the smart contract.
  6. CreDApp stores and executes the smart contract on Ethereum blockchain and Token B will be transferred from Taker to Maker
Credito Design Principles and Values:

Decentralization
Decentralization is not only the foundation of the tamper proof properties of blockchains, but the basis of their permissionless nature. By continuing to build decentralized systems, we aim to further enable permissionless development within Credito. We believe that decentralization is a crucial component for a globally thriving ecosystem with long-term sustainability.

Modularity
for simple and flexible system design. We appreciate the philosophy of building small tools which do one thing well. Simple components can be easily reasoned about and thus securely combined into larger systems. We believe that modularity not only enables upgradable systems, but facilitates decentralization.

Secure, transparent and extensible systems. Credito is built for the community. We value the community and will engage continually with data scientists, domain experts, academics, and security experts for peer review. We encourage testing, audits, and formal proofs of security, all with the aim of creating a platform whose robustness and security can support future innovations.

With these principles in mind, we look forward to extending the reach and impact of reliable analytics, secure and transparent lending as a cornerstone of the Credito.



Token distribution

In order to undertake further development, Credito will conduct a one-off Token Generation Event (“TGE”) and crowd sale of Credits, where 50% of the Tokens will be made available for public sale. The start date of the TGE will be announced soon, and it will allocate a total Creditssupply of 1 billion as follows


Roadmap

Credito will be developed in 6 stages accomplishing a major milestone at each stage.

Stage1
Concept and Research
- Credito Incorporation
- Whitepaper
- Proof of Concept
- High Speed Transaction Scoring System
- Website Launch

Stage 2
User Registration, Verification and Partnerships
- CreDApp front end Development
- User Registration
- Automatic ID verification
- Work on partnerships with financial institutions

Stage 3
Infrastructure and Intelligence development
- External API Development.
- Analytic Node Infrastructure.
- Credito Scoring Engine Development.
- Credit Scores generation.
- Transaction scores modeling.

Stage 4
Smart Contract Development and Deployment
- Scoring and Leasing smart contract development.
- Smart contract Audits.
- Integration of smart contracts with Credito Analytic Engine and Node Infrastructure.
- Launch on Test net.
- Test net trial delivering live scores to the partners.

Stage 5
Launch
- Main net Launch.
- Complete Decentralized Credit Intelligence available for partners.
- External Analytic node Operators joining the network.
- Marketing and new partnerships.

Stage 6
End-to-End lending protocol on Main net
- CreDApp and Mobile App development
- Credito Smart Credit Agreement development and Audit
- CreDApp backend with Integration of Credito Smart Credit Agreement
- CreDApp on Test net and progression to Main net



Credito Team:

Sikar Govindarajula
Srikar is Creative and Entrepreneurial, backed by his strong technical expertise, a technology enthusiast, and avid believer of blockchain, decentralization.He designed and developed several High Speed Transaction Processing Engines and Scoring Engines for low latency systems. Demonstrated over 10 years of experience in delivering cutting edge technology products across domains like Finance, Data Communications, Medical and Embedded systems.

Narendra Allam
Naren is Technology Expert. He founded Bang Music Factory to standardize, improve, and globalize the music production process by publishing it through secure Mobile apps. He is part of architecture team for in-house trading system and responsible for code quality compliance at Bank of America, He has vast experience in building algorithms for various domains including finance and banking and passionate on Blockchain, Network and distributed technologies. As an Expert in C, C++ ,Python and having mentored experienced professionals, Naren brings in his vast experience from organisations like Microsoft, Cisco and Bank of America in to Credito.

Haranadh Gavara
Haranadh is an Entrepreneur, Data scientist, Fintech Specialist and Vice President of UangTeman.com. He founded PH Technologies. He did Masters in Machine Learning from Indian Institute of Technology, He has an international publication on machine learning which is in a best paper race. His professional research experience covers service in Defence Research and Development Organisation Statistical Analysis Group and many areas like Cryptanalysis, Operating systems, Storage and Virtualization. His recent focus is on identifying and building systems to assess credit risk in Banking domain, especially in the area of unsecured loans and conducting several studies to identify surrogate variables to assess credit risk and match and exceed traditional banking practices by building credit risk algorithms with-in data science platform, big data analytics.

Advisors :

Dale Hawkins
Dale has extensive experience in Strategic planning. He is an Executive Manager, Group Advisory at Commonwealth Bank. He led national level projects at National Australia Bank. Having worked with two of the Big Four banks in Australia, Dale brings his extensive knowledge of banking, finance and strategy in to Credito.





CLICK LINK BELOW FOR MORE
Credito Site : https://credito.io/




Profile bitcoin : https://bitcointalk.org/index.php?action=profile;u=1343532
ETH Addr :  0x0243E433ee123cDB927e22e99FA31D0d34195A38

UHUB - E-Commerce Using Decentralized System



UHUB is an ecosystem that consists of: Hub Exchange, Hub Connector, and HUB Marketplace. Users in the ecosystem can exchange goods and services through HUB Exchange transaction portal. The main payment method on the platform is going to be HUBcoin. On the Hub Exchange, users can trade (buy and sell) HUBcoin directly with anyone around the world. This decentralized money exchange function eliminates the burden of fees/charges on exchange transactions, bypassing traditional exchanges. The exchange rate of HUBcoin will be based on its value on the centralized exchanges.

Technology is rapidly growing and diversifying. As it does, more and more businesses are using technology to facilitate their transactions. Many of the most prominent commercial entities, such as Amazon, eBay, Alibaba, Lazada, etc. have achieved their success through e-commerce development. To make transactions more convenient and seamless, developers have created new payment solutions, such as PayPal, Alipay, Visa, Mastercard, etc., which has provided users a better online shopping experience.

Payments have never been so fast. Traditional payment systems require many more steps to process just one transaction, which often carries high fees. But with UHUB, payment system can be fast and simple with nearly free fee.



The transparency provided by blockchain technology, paired with Ethereum smart contracts are new advances which will help e-commerce growin an entirely new way. Combining blockchain technology with e-commerce will enhance the efficiency of business, increase the income for the seller, and reduce the cost to the buyer.

Using the Hub Exchange, the user can be a buyer or seller. With payment options that allow tracking spending habits, users don’t need to carry cash in their wallets and keep track of the money every time they make a payment. Businesses can also utilize the UHUB ecosystem to find a large number of potential customers and can bring their services to the vast majority of users in UHUB community.




UHUB is imagined as a safer, cheaper and less time-consuming e-commerce ecosystem, allowing the users to find everything they need in one place.

HUB EXCHANGE
HUB Exchange is our solution for the problem of using too many different electronic wallets. Users will be able to keep hundreds of different digital currencies in just one wallet. The wallet is meant to save time and make transactions easier. 




Hub Exchange Features :

Deposit
Users can deposit different types of cryptocurrency or fiat currency into their account on HUB Exchange and create different altcoin wallet addresses allowing them to receive, store and keep track of their altcoin transactions. We will also build a Blockchain system with the top one hundred cryptocurrencies (by market cap), allowing safe keeping with advanced security layers such as fingerprint scan, iris scan, etc. Ensuring that the money you receive, send or keep in the wallet is 100% safe.

Send
Users can send money to friends, partners, or pay for services using the Hub Exchange. This function will help users to manage transactions, recipient addresses, and to track their transactions via the Etherscan.io - explorer of the Ethereum blockchain.

Withdrawal
Users can transfer money to a bank account/other online accounts, or withdraw to the national currency of their choosing. Also, users can transfer money to a new account as long as they verify the identity of the new account. All transactions are executed only after verifying the destination account, protecting users from losing their money.

Exchange Bitcoin/Altcoins
Users can trade cryptocurrencies with different trading pairs in the Hub Exchange, including HUB Coin. The Hub Exchange will be released globally and supported by applications for the web, desktops, and smartphones with user-friendly interface. It will be a small trading platform, but it will work between Bitcoin, altcoins, and the HUB Coin. Also, we will create an ecosystem with other ICO coins based on Ethereum Smart Contracts, allowing users to easily exchange the coins and minimize the “GAS” fee.




HUB CONNECTOR
  • Money exchange, Peer-to-Peer cryptocurrency exchange allow customers to trade digital currencies or fiat currencies among themselves. On the HUB Connector system, users can use their smartphones to find the buyers or sellers, their location, and then confirm the deal. Instead of searching for an ATM to withdraw money, now users can just find the nearest user who will agree to exchange the currency with them.
  • Ticketing service, Buying tickets online is now safe thanks to the application of the Blockchain solution. Businesses and individuals can make quick trades, including the purchases of flight tickets, train tickets, food vouchers, etc. With this operating system, businesses can easily open electronic ticketing services on the HUB Connector ecosystem, bringing service providers and customers closer together. Tickets will be filtered by country and city to match the location of the “HUB Connector” users, providing the best service to users.
  • Hotel services, Along with the help of the community, we will directly or indirectly develop restaurant and hotel systems. Users will be able to book a hotel room directly through our system. Users can make money from hotel reservations, ticketing, and money exchange services while traveling in two ways, Directly: sellers can contact hotels directly to accept HUB Coin or Indirectly: we will use the API system on e-commerce sites, such as Agoda to automatically convert your currency so that you can efficiently use HUB Coin for payments.
  • Delivery service, When you are traveling or just want to order something from a foreign country/another region, and there is no available shipping method to your address, HUB Connector can help you. You can buy an item or play a role of a shipper (ordering for someone or asking someone to order for you).



All transactions are facilitated through the Smart Contract from the HUB Connector system, protecting service providers as well as buyers while participating. We will support two payment gateways - HUB Pay and PayPal. With HUB Pay, all transactions are free. With PayPal, users must pay 2% fee per transaction.
  • Tracking payments is simple with the support of the “HUB Marketplace” application that the vendor uses. The application records and distributes the product according to a set algorithm combined with a smart contract. The following diagram represents the delivery process:
  • B2C - Business to Customer, B2C includes commercial transactions on HUB Marketplace between a business and a customer, in which individuals are target customers. This form of trade is applicable for any businesses or organizations who sell their products on HUB Marketplace.
  • C2C – Consumer to Consumer, C2C is a form of e-commerce among consumers. This type of e-commerce is categorized by the growth of the electronic market and online auction market, especially with vertical industries where companies/businesses may bid for the desired products from different suppliers. C2C has the most significant potential for developing new markets.
  • B2B - Business to Business, B2B is an e-commerce business model where transactions occur directly between enterprises. Companies can initiate transactions using electronic communication through the HUB Marketplace.




UHUB Crowdsale

Pre-ICO : November 16st - November 25th 2017
ICO Crowd sale : November 25th – December 10th 2017
Price Initial : 1 ETH= 4000 HUB
Minimum purchase : 0.01ETH
Blockchain : Ethereum
Only accept Ethereum
Soft Cap : 18000 ETH.
If the “Soft Cap” reaches the target before the 30th day ends, we will accept additional contributions for 72 hours (if you own a significant amount of HUB).
Hard Cap is : 167,057 ETH
Any tokens not bought in the ICO will be burned automatically by the smart contract.
Additional : 72h if soft cap is reached
Maximum number of tokens generated : 1,156,789,000 HUB
Pre-Sales bonus of 30% (1ETH = 5,200HUB) max 100,001,200 HUB
Partner bonus of 30% (1ETH = 5,200HUB) (Hold by Developer wallet)
Crowd sale from November 25th 2017 to December 10th 2017 15% bonus (1ETH = 4,600HUB) Max 200,000,000 HUB
After 5 days 5% bonus (1ETH = 4,200) Max 100,000,000 HUB
From the December 5th until the end there will be no bonus (1ETH=4,000) Max 280,000,000 HUB



UHUB TEAM








CLICK LINK BELOW FOR MORE INFORMATION
UHUB Site : https://uhub.io/
UHUB Telegram : https://t.me/uhub_io




Profile bitcoin : https://bitcointalk.org/index.php?action=profile;u=1343532
ETH Addr :  0x0243E433ee123cDB927e22e99FA31D0d34195A38

TBIS - Titanium Blockchain Infrastructure Services


Infrastructure is the fundamental facilities and systems serving a country, city, or other area, including the services and facilities necessary for its economy to function. IT infrastructure consists of all components that somehow play a role in overall IT and IT-enabled operations. It can be used for internal business operations or developing customer IT or business solutions. an IT infrastructure must provide a suitable platform for all the necessary IT applications and functions an organization or individual requires. This means the design and implementation of any IT infrastructure must also support efficient infrastructure management.

Enterprise IT infrastructure typically refers to components required for the existence, operation and management of an enterprise IT environment. It can be internal to an organization and deployed within owned facilities, or deployed within a cloud computing system, or a combination thereof.

Today, the largest transportation company in the world owns no cars (Uber), the largest hospitality company on the face of the planet owns no hotels (AirBnB), the largest retailer carries no stock (Alibaba), and the world’s most popular media network creates no content (Facebook). Clearly, we are living in a time of radical change. Why should internet infrastructure be any different?


What if an entire IT enterprise could be virtualized, including data centers, firewalls, load-balancers, routers, switches, network appliances and servers?  Imagine being able to set up an enterprise level infrastructure for a global company from a tablet in your living room, without spending any time installing rack servers, routers, load balancers, or any other network component beyond what is needed to access the network.


TBIS (Titanium Blockchain Infrastructure Services) proud to introduce Infrastructure as a Service (IaaS) on the Ethereum blockchain platform. Nowadays the internet, considered collectively, represents an estimated 11.5 million petabytes of data. As enormous as this it, it is dwarfed by the potential of a fully integrated and interconnected global network scattered.

Just as steel changed the building industry forever, Titanium will usher in a new era of network construction. With TBIS’ proprietary Company as a Service™ (CaaS) and Infrastructure as a Service (IaaS), every device, from enterprise level on down, can be virtualized; routers, firewalls, and specialized equipment such as cryptocurrency miners, can exist in an entirely cloud-based environment based on the decentralized Ethereum blockchain.




Unlike 99.99% of Blockchain start-ups and Initial Coin Offerings (ICOs), the Titanium Core Team is not composed of relative newcomers to technology. In stark contrast, the Titanium Core Team has over two-hundred (200) years of combined experience. This is also not the first technology company that Titanium’s Founder and CEO, Michael Stollaire, has ever formed. In 1999, Mr. Stollaire founded EHI, a technology consultancy specializing in enterprise infrastructure management.

Most Blockchain start-ups and ICOs face a very serious problem after they develop a viable product and or service: finding companies and people that will actually purchase them and use them. Titanium will not have this problem. As EHI’s sister company, Titanium will simply inherit EHI’s clientele, and since EHI is considered a trusted source of excellent customer service and personnel, Titanium will also be held in high regard. What follows is a short excerpt of some of EHI’s customers, which Titanium will leverage immediately:


 
TBIS Mission

Our mission is to leverage the power of the immutable blockchain to provide virtual infrastructure services for businesses and individuals, creating a Titaniumclad guarantee of reliability which had previously been wholly impossible.

TBIS Core Components :

Infrastructure as a Service (IaaS) 
The core competency objective and primary goal of TBIS is the creation and propagation of a shockproof distributed network infrastructure capable of replacing the bloated and inefficient hardware foundation upon which the internet of today is based. 
Iaas Features :
  • Maintaining and Enhancing TBIS’s existing enterprise virtualization software package which enables the creation of network components such as servers, routers, switches, etc., in a distributed environment.
  • Building and remaining as the de facto platform for creating, maintaining, patching and upgrading distributed enterprise IT environments
  • Making it quick and simple to virtualize entire enterprise-level infrastructure environments while simultaneously decreasing the cost-to-consumer and downtime while increasing network reliability, security, and convenience.
  • Website hosting through the Titanium Virtual Server System will be more reliable than existing shared hosting because unlike a traditional server, which can go down, the TBIS servers will guarantee constant uptime and dramatically increased security.
  • Implement the cutting-edge TBIS Enterprise Management Software with autonomous healing and security functions include in the Titanium Hydra Fault Tolerance Suite for all monitored elements and network components 



Platform as a Service (PaaS)
Is a completely decentralized development and deployment environment, with resources that enable you to deliver everything from simple Distributed Applications (dApps) to sophisticated, decentralized enterprise applications. You purchase only the resources you need from Titanium on a pay-as-you-go basis and access them over a secure Internet connection. Like IaaS, PaaS includes infrastructure — servers, storage, and networking—but also middleware, development tools, business intelligence (BI) services, database management systems, and more. PaaS is designed to support the complete web application lifecycle: building, testing, deploying, managing, and updating.
PaaS Advantages :
  • Cut Coding Time, PaaS development tools can cut the time it takes to code new apps with pre-coded application components built into the platform, such as workflow, directory services, security features, search, and so on. 
  • Add Development Capabilities Without Adding Staff, Platform as a Service components can give your development team new capabilities without your needing to add staff having the required skills. 
  • Develop for Multiple Platforms Including Mobile More Easily Titanium will give you development options for multiple platforms, such as computers, mobile devices, and browsers making cross-platform apps quicker and easier to develop. 
  • Use Sophisticated Tools Affordably, A pay-as-you-go model makes it possible for individuals or organizations to use sophisticated development software and business intelligence and analytics tools that they could not afford to purchase outright. 
  • Support Geographically Distributed Development Teams, Because the development environment is accessed over the Internet, development teams can work together on projects even when team members are in remote locations.
  • Efficiently Manage the Application Lifecycle, PaaS provides all of the capabilities that you need to support the complete web application lifecycle: building, testing, deploying, managing, and updating within the same integrated environment.



Desktop as a Service (DaaS)
The creation of a distributed internet infrastructure also makes it possible to host entire user computers on the Titanium Cloud. Using the custom designed ultra-light TitaniumOS, TBIS users will be able to access their entire computer from any publicly available terminal or smartphone

Company as a Service (CaaS)
This is an automated wizard which will allow a user to start a new business from square one through leveraging the power of Smart Contracts. Anyone who has attempted to start a business in the past is aware of the challenges presented by meeting legal requirements to establish a business. 
CaaS Task :
  • Registering for Business Licenses
  • Creating Business Bank Accounts
  • Filing Trademarks and Patents
  • Incorporating
  • Leasing of office space or equipment
  • Hiring employees or independent contractors
  • Securing advertising space
  • Domain registration and host acquisition
CryptoEscrow
This service allows the TBIS user to use any supported cryptocurrency to purchase items, auction items, etc. and leverage an Ethereum-based escrow service based on the Smart Contract. This would enable buyers and sellers to conduct transactions free of the worries typically associated with online purchases.

Features :
  • Buy and sell online for any amount in any approved cryptocurrency without fear of non-delivery. This system is designed to use a very simple smartphone interface that will require no experience or coding background. It is so easy, your grandmother could do it.
  • Generate Titanium Smart Contracts using the TBIS Blockchain and the Titanium DEX (below) to manage payment and logistics. This contract will consist of a two-part SHA256 hash which will be given to both buyer and seller, and only once these two pieces are united and delivery takes place will the funds be released from the escrow.



Bring Your Own Cloud (BYOC)
Beneath the surface of the Titanium Infrastructure there will be an entire suite of services that will change the computing world. Central to this effort is the desire to help users create a truly private computing environment.

DEXchange
Cryptocurrencies and blockchain technologies are centered around decentralization. However, many cryptocurrency exchanges of today are based on centralized systems which are controlled by outside entities.

Instant ICO Incubator (III)

At TBIS, we know how hard it can be to get everything together for a token launch. If you have a brilliant technical idea, but need the marketing and organizational backing to bring it to life, the Titanium Instant ICO Incubator will take the guesswork out your token launch through providing end-to-end launch services.



Token

TBIS’s token, called “BAR”, is provided for informational purposes only in respect of TBIS’s platform. The following summary reflects TBIS’s current expectations with respect to token mechanics and sale of BAR, which are subject to change. Soon, the TBIS token (BAR) will be sold. As part of this sale, a fixed pool of BAR will be generated. No further BARs will be created in the future. BAR will be a deflationary currency.

Token Allocation

Once the sale concludes, a portion of BAR tokens will be allocated and given to the TBIS team as an incentive for the success of our platform, and a separate portion will be held as a reserve pool and expenditure fund. The community will hold 60% of all BAR, the TBIS team will hold 20% of BAR (subject to a freeze period), 10% of BAR will be reserved for various community bounties and 10% of BAR will be allocated for the reserve pool.

Token Sale

BAR tokens will be offered at an exchange rate of 300 BAR for 1 ETH, for a sale duration of approximately sixty (60) days. During the first 72 hours, all BAR purchased will be sold at a reduced rate. The sale is slated to begin on January 1, 2018, at 1PM (GMT-7).

A hidden, undisclosed hard cap will be crypto graphically signed using the keccak256 hashing algorithm and released as part of the smart contract. If this cap is reached, then it will be revealed and the sale will immediately end. Otherwise, the sale ends once the sale period has ended.

The cap can be verified by comparing the revealed value with the hash included in the original contract. A security cap of 350,000 ETH will be hardcoded into the contract, as a safety net against unforeseen complications. This security cap is not the hard cap for TBIS, and is not intended to be reached.



Titanium BAR Pre-Sale Bonus

Before the January 1, 2018 BAR token sale, a pre-sale period of approximately one month will transpire. During that time, investors that are willing to invest a minimum of $5,000 in the project will receive a 20% bonus. This would equate roughly to 1.2 BAR for $1 USD.

Three bonus periods will be offered at the beginning of the sale to provide early bird contributors a small incentive. During the first 24 hours of the funding period, the exchange rate will be 1.15 BAR for $1 USD, a 15% bonus. For the 48 hours after that, the exchange rate will be 1.1 BAR for $1 USD, a 10% bonus. For the 48 hours after that, the exchange rate will be 1.05 BAR for $1 USD, a 5% bonus. After the early bird periods, the price of BAR will remain at 1 BAR for $1 USD for the rest of the sale. 

During the pre-sale and general ICO crowdfunding periods, a referral bonus of 5% will be paid to existing Titanium BAR Token owners, if they refer other individuals to the Titanium BAR Token sale that proceed to purchase the minimum amount of Titanium BAR Tokens, equivalent to 0.01 ETH or greater.

TBIS TEAM








CLICK LINK BELOW FOR MORE INFORMATION

TBIS Site : https://tbis.io/
TBIS Telegram : https://t.me/tbisinc





Profile bitcoin : https://bitcointalk.org/index.php?action=profile;u=1343532
ETH Addr :  0x0243E433ee123cDB927e22e99FA31D0d34195A38

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