White Papers - QUANTOCOIN

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Jul 1, 2018 - QTC technology ( smartwatch etc) and at any store that accepts QTC payments. QTC uses industry-standard to
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WHITE PAPERS Version 2.3. 2018

This White Papers is not a solicitation for investment and does not pertain in any way to an offering of securities in any jurisdiction.

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1 ABSTRACT Quantocoin has developed a next-generation model for the future of financial services and digital banking. This model uses Blockchain technology along with smartphones, as well as a new kind of bio-identification system which will be used to ensure safe and secure accounts for each user. This is a project to develop the future of the crypto-financial world. Its primary goal is to integrate and connect QTC into the traditional financial world and to create a single gateway through QTC platform for users, traders, investors and financial institutions with a whole range of add-on services.

QTC has several functions such as; to buy, pay and to sell services and items online, exchange with FIAT currency, and allow investments. You can also use the option of international transfers (remittances) along with lending (microfinance), loyalty programs, etc. All these services are connected to the one point; QTC platform, making them more secure and transparent than currently existing cryptocurrency platforms. The problem with many of these blockchain offerings is that they offer individualized or complementary services, but not the entire package. We aim to provide the unique feature of free anonymous transfers, while still being able to maintain transparency of both; the company and project itself.

We plan to extend this project to every part of the world, especially to less developed and unbanked regions. We aim to provide extreme speed, reliability, and efficiency at a low-cost to let those that have no access to bank services use the QTC platform alongside a mobile application to help make their lives more comfortable and to contribute to the expansion of the digital banking. This is a very lucrative industry having more than 2.0 billion people who live in regions that provide them with limited or no access to bank services, while others cannot access these services due to lack of identification documents or high fees for the bank account and strict restrictions. We, therefore, consider this part of the population along with others, our potential clients.

QTC could potentially bring people out of poverty, as it will give them access to financial and banking tools. These tools will provide them with immediate liquidity and currency functionality better than the traditional banking system. We will bring these services to the unbanked regions which will allow the people to invest, buy, pay and sell items and services. We believe QTC will be vital to improving the economy of these regions.

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The whole system is developed based on a clear and understandable platform, functioning as an app on smartphones and also having the PC and tablets functionality. Our QTC app is built to be completely user-friendly while offering customers the best user experience (UI/UX).

Risk Disclaimer: Buying QTC TOKENs involves substantial risk of loss and is not suitable for every investor. The valuation of the QTC may fluctuate, and, as a result, clients may lose more than their original investment. Before deciding to invest in QTC TOKENs, you should carefully consider your investment objectives, a level of experience, and risk appetite.

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2 TABLE OF CONTENTS 1

Abstract ............................................................................................................................. 3

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Mission ............................................................................................................................... 8

4

Introduction .................................................................................................................... 10

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Core Features .................................................................................................................. 11

6

QTC Ecosystem ................................................................................................................ 12 6.1

6.1.1

Important improvement:...........................................................................................13

6.1.2

Keynotes of the QTC token .......................................................................................13

6.1.3

Inner value of QTC token...........................................................................................13

6.2

7

QTC Token ...........................................................................................................................12

QTC Bank - Digital Banking in Crypto Space ...................................................................14

6.2.1

Problems......................................................................................................................14

6.2.2

Solution ........................................................................................................................14

QTC Blockchain Bank Functionality ............................................................................. 15 7.1

Overview ..............................................................................................................................15

7.2

QTC mobile App for the contactless and cashless transaction ...................................15 7.2.1.1

Case study ...............................................................................................................15

7.2.2

QR code........................................................................................................................16

7.2.3

NFC Technology ..........................................................................................................16

7.2.4

QTC Beacons (BLE technology) .................................................................................16

7.2.4.1 7.2.5

How it works in reality ...........................................................................................17 Advantages ..................................................................................................................17

7.3

Market potential .................................................................................................................17

7.4

Going cashless ...................................................................................................................18

7.5

Symbiosis of BLE and NFC .................................................................................................19

7.6

Conclusion ...........................................................................................................................20

7.7

QTC Lending Protocol ........................................................................................................20

7.7.1

All-time benefits of QTC protocol .............................................................................20

7.7.2

QTC Actively traded crypto portfolio (optional) .....................................................21

7.7.3

eSIM ..............................................................................................................................21

7.7.4

Bancor protocol ..........................................................................................................21

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7.7.4.1 7.7.5

Advantages ..............................................................................................................22 QTC Cards ....................................................................................................................22

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Comparing Traditional Banks With A New

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Advantages of qtc ecosystem ....................................................................................... 24

10

Blockchain Bank ................................. 23

Blockchain principles ................................................................................................. 25

10.1

Shared ledger ......................................................................................................................25

10.2

Why is this relevant? ..........................................................................................................25

10.3

Not owned by anyone........................................................................................................25

10.4

Adding any content to the ledger ....................................................................................25

10.5

Validation and permanence..............................................................................................25

10.6

Applications and the ledger ..............................................................................................26

10.7

Variation...............................................................................................................................26

11

Technologies ................................................................................................................ 26

11.1

Waves ...................................................................................................................................26

11.2

OneWeb ...............................................................................................................................26 11.2.1.1

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Advantages ..........................................................................................................27

Project Phases ............................................................................................................. 27

12.1

Crowdsale phase ................................................................................................................27

12.2

Platform development.......................................................................................................27

12.3

QTC Bank .............................................................................................................................27

12.3.1 13

Product Development ................................................................................................27

Functionality implementation leader ...................................................................... 28

13.1

Platform with QTC mobile App. ........................................................................................28

13.2

Microfinance and lending(P2P or B2B)............................................................................28

13.3

Merchant tools ....................................................................................................................28

13.4

Extra features......................................................................................................................28

14

Vision ............................................................................................................................ 29

15

Market Overview ........................................................................................................ 30

15.1

Outbound travel spends ...................................................................................................30

15.2

Inbound remittance ...........................................................................................................30

15.3

Cross-border online shopping in foreign currency .......................................................30

15.4

Microfinance and Lending.................................................................................................30

15.5

Value of technological progress .......................................................................................30

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16

Unbanked .................................................................................................................... 31

16.1

Key findings .........................................................................................................................31

16.2

Internet penetration ..........................................................................................................35

16.2.1 16.3

The headline numbers...............................................................................................35

Market Opportunities ........................................................................................................36

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Roadmap ...................................................................................................................... 37

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Crowdsale Phases ....................................................................................................... 39

18.1

ICO - Initial Coin Offering...................................................................................................39

18.1.1

Dates ............................................................................................................................39

18.1.2

Allocation of proceeds ...............................................................................................40

18.1.3

Allocation of Tokens ...................................................................................................40

18.2

Crowdsale First Phase – ICO Report ................................................................................41

18.3

DTO – Distributional Token Offering ...............................................................................41

18.3.1

Keynotes of the QTC DTO..........................................................................................41

18.3.2

Modus Operandi.........................................................................................................41

18.3.3

Advantages of QTC Distribution Model ...................................................................42

18.3.4

Clients Benefits ...........................................................................................................42

19

Quantocoin Uses Cases .............................................................................................. 42

20

QTC Price Drivers ........................................................................................................ 43

20.1

Market opportunity ............................................................................................................43

21

Bounty Campaign........................................................................................................ 43

22

Team ........................................................................................................................... 44

23

Conclusion ................................................................................................................... 45

23.1

Benefits for individuals ......................................................................................................45

23.2

Benefits for business .........................................................................................................45

23.3

Benefits for crypto-economy ............................................................................................45

23.4

Benefits for economy.........................................................................................................45

23.5

Crowdsale/ Crowdfunding ................................................................................................45

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Legal and regulatory standards .................................... Error! Bookmark not defined.

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References ................................................................................................................... 46

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Contacts ....................................................................................................................... 48

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MISSION

We are developing a new financial project which is based on Blockchain technology, use of mobile technology and bio-identification systems. We aim to release QTC as a new type of digital currency to the expanding digital world, which is fast, efficient, reliable and completely secure. We are inventing a fusion of Blockchain technology and traditional currency to revolutionize the financial sector while exploring its full potentials thoroughly. “QTC will provide the appropriate advantages and has proven that Blockchain works and can bring added value.” We do not wish to attract only venture capitalists, angels or seeds investors to finance our product. We, therefore, employ the unique characteristics of a crowdfunding process which we have strategically split into 2 phases – ICO (ICO) & DTO (Distributional Token Offering). We believe that this will attract and give an opportunity to everyone in the cryptocommunity to be a part of this economic revolution while providing our users with legally compliant operations affording both individuals and financial institutions a low barrier of entry into the cryptocurrency community. We should be able to provide access to a market of 3 billion people in the world living in under-banked regions with little or no access to banking infrastructure. Additionally, even in banked regions, there are at least 1.5 billion people who do not have access to modern banking due to missing forms of identification, or that do not otherwise fulfil all the requirements of banking services. We believe that Quantocoin can help bring people out of poverty by giving them access to banking and investment tools that can provide liquidity for entrepreneurial ventures. This can be done via microfinancing, investment, online and social trading to create new opportunities around the world. All you need is the internet and a smartphone. It is that simple! Everything else is our concern.

Thanks to our unique bio-identification system this app is completely secure for our users.

“The future of money is a digital currency” Bill Gates

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Additionally, thanks to our technology partners, we will serve the regions with limited internet access. By providing eSIMS mobiles, we will significantly reduce intermediaries and suppliers in the chain, which brings a sophisticated and efficient solution to our clients. Finally, we are oriented to meet the needs of our clients; and the more clients we have, the more demand there will be from online shops and merchants to open cooperation and partnership. Our mission is for QTC to entirely replace Fiat Currency in operations, payments and transfers due to its user-friendliness, reliability, and dedication to its clients; we call them Quantcoiners, Quanthusiasts, and Quantonauts.

“YOU HOLD YOUR BANK IN THE PALM OF YOUR HAND”

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4 INTRODUCTION QTC is an open, decentralized cryptocurrency complexly designed to revolutionize the banking sector. It is a platform that will act as a one-stop solution in the future – in the form of a “QTC Bank.” The project begins with the QTC cryptocurrency and will grow into a network of complex services combining features of modern banking and Blockchain-based technologies while also being secure. QTC is a “one-stop-shop solution” serving the role of a simple, automatic and hassle-free banking tool that will be reachable anywhere with access to the internet and will be understandable and easy to use for everyone with no limits, regarding age, ethnicity, education or geography.” “QTC is the First global alternative asset with immediate liquidity and currency functionality which operates with extreme speed, reliability, and efficiency at a low cost with free anonymous transfers. It is readily available for those without access to bank services.” QTC is not only as currency; the project entails spending and earning money, with the availability of investment and speculation. QTC is an excellent asset with excellent future liquidity supported by unique lending QTC protocol. Transactions are carried out with lightning speed leaving no need for a means to store money, as all are available P2P or B2B, making these transfers accessible to everyone. At Quantocoin, we believe that with our technology and massive adoption, we can attain the heights and success of Bitcoin (BTC) or other altcoins. QTC will be a tool for investment like gold.

Speculative value of QTC Due to the crypto-nature of QTC, there is an expected rise in its based on the historical market >Designed by Freepik, Designed by Freepik Vodafone: eSIM advantages, 2016 SMA Intelligence,2014,2015,2017 HootSuite - Social data survey and statistics 2015/2016/2017 Peer pressure – PWC (consumer finance) 2016 The Little data book on financial inclusion, World bank, 2015 The global cryptocurrency benchmark study, University of Cambridge, 2017 Raconteur

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25 CONTACTS Contacts: General inquires

[email protected]

Press inquiries

[email protected]

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