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#Zipcoin whitepaper

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The entire document displaying the #EOS Technology behind the #Zipcoin crypto-currency!
Could it be as influential as the #Satoshi WhitePaper in 2009 ??

Publié dans : Économie & finance
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  • This is the entire document, explaining the strategy and Team behind the new #Zipcoin viral technology !!
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#Zipcoin whitepaper

  1. 1. Anja93@gmail.com WHITEPAPER ZIPCOIN The True P2P Trading & Remit Platforms of the Future WHITEPAPER Version 1.0.2 © 2018 | All rights reserved
  2. 2. Table of Contents IMPORTANT DISCLAIMER 2 About ZIPCOIN 6 ABSTRACT 7 Market andIndustry Info 8 Comparison Chart 8 PROBLEM STATEMENT 9 THE ZIPCOIN SOLUTION 10 Trading Digital Currencieswith ZIPCOIN 10 THE ZIPCOIN MAIN DIFFERENTIATORS 13 ZIPCOIN Economy 15 The ZIPCOIN Community Governance 16 THE ZIPCOIN COMMUNITY 17 THE ZIPCOIN GROWTH AND ADOPTION 18 Pre-launch 18 Post-launch 19 THE ZIPCOINBUSINESS MODEL 20 Token Specification 20 ZIPCOIN Token Pre-sale 21 Use Of Proceeds 21 Token Distribution 22 Excluded Countries 23 ARCHITECTURE OF THE ZIPCOIN EXCHANGE ENGINE 24 ZIPCOIN Exchange Architecture 25 ZIPCOIN Exchange Features 25 THE ZIPCOIN TOKEN 26 Monitoring and Control 27 THE ZIPCOIN ROADMAP 28 RISKS AND RIGHTS OF ICO PARTICIPANTS 29 THE ZIPCOIN EXCHANGE AND ADVISORY TEAM 31 CONTACTS 34
  3. 3. IMPORTANT DISCLAIMER This document is a vision document and should not be considered a specification. This is for general informational purposes only and may change as the Platform is developed over time. ZipCoin is not intended to constitute a regulated product in any jurisdiction. This explanatory note does not constitute advice to purchase ZIPCO token nor should this note be relied upon in connection with any contract or purchasing decision. To the maximum extent permitted by law, ZipCoin and/or its affiliates shall not be liable for any indirect, special, incidental, consequential or other losses of any kind, in tort, contract or otherwise (including but not limited to loss of revenue, income or profits, and loss of use or data), arising out of or in connection with any acceptance of; or reliance on this Whitepaper or any part thereof by you. RECIPIENTS ARE SPECIFICALLY NOTIFIED AS FOLLOWS: No offer of securities: ZipCoin (as described in this Overview) is not intended to constitute securities in any jurisdiction. This Overview does not constitute a prospectus nor offer document of any sort and is not intended to constitute an offer or solicitation of securities or any other investment or other product in any jurisdiction. No advice: This ZipCoin Technical White Paper (WP) does not constitute advice to purchase any ZipCoin (ZIPCO) tokens nor should it be relied upon in connection with, any contract or purchasing decision. Please read this entire section and do not take any actions until you finish it. This white paper is a summary of ZipCoin or ZipCoin Exchange or ZipCoin Remit or simply known as “ZipCoin” business model, technology, and brief introduction to “ZIPCO” token distribution principles. ZIPCO token distribution is considered to be a free Epic Operating System (EOS) token distribution campaign. Detailed terms and conditions of the distribution campaign will be released and published on ZipCoin webpage. After carefully reading this Whitepaper and still have any concerns, please consult your Legal, Tax, and Financial advisor for next action or step totake. Without permission, anyone may use, reproduce or distribute any material in this white paper for non-commercial and educational use (i.e., other than for a fee or for commercial purposes) provided that the original source and the applicable copyright notice are cited.
  4. 4. No representations: No representations or warranties have been made to the recipient or its advisers as to the accuracy or completeness of the information, statements, opinions or matters (express or implied) arising out of, contained in or derived from this Overview or any omission from this document or of any other written or oral information or opinions provided now or in the future to any interested party or their advisers. To the fullest extent, all liability for any loss or damage of whatsoever kind (whether foreseeable or not) which may arise from any person acting on any information and opinions contained in this Overview or any information which is made available in connection with any further enquiries, notwithstanding any negligence, default or lack of care, is disclaimed. Risk warning: Potential purchasers should assess their own appetite for such risks independently and consult their advisors before making a decision to purchase any tokens. Translations: This Overview and related materials are issued in English. Any translation is for reference purposes only and is not certified by any person. If there is any inconsistency between a translation and the English version of this Overview, the English version prevails. Unless otherwise stated, all references to “$” and “dollars” in this Overview pertain to United States dollars. This Overview has not been reviewed by any regulatory authority in any jurisdiction. References in this Overview to specific companies and platforms are for illustrative purposes only. Other than ZipCoin LLC or ZipCoin Remit Ltd and or the Foundation, the use of any company and/ or platform names and trademarks does not imply any affiliation with, or endorsement by, any of those parties. NOREPRESENTATIONS AND WARRANTIES ZIPCOIN and/or its affiliates do not make or purport to make, and hereby disclaim, any representation, warranty or undertaking in any form whatsoever to any entity or person, including any representation, warranty or undertaking in relation to the truth, accuracy and completeness of any of the information set out in this Whitepaper.
  5. 5. CAUTIONARY NOTE ON FORWARD-LOOKING STATEMENTS This Whitepaper contains “forward-looking statements,” as that term is defined in the Private Securities Litigation Reform Act of 1995, concerning the business, operations and financial performance and condition of ZipCoin. Words such as “anticipate,” “estimate,” “expects,” “plans,” “believes,” “projects,” “intends,” “will” and words and terms of the similar substance typically indicate forward-looking statements. Furthermore, all statements regarding ZipCoin’s and/or its affiliates’ financial position, business strategies, plans, and prospects and the future of the industry which ZipCoin and/or its affiliates are in are forward-looking statements. These forward-looking statements, including but not limited to statements as to ZipCoin and/ or its affiliates’ revenue and profitability, prospects, future plans, other expected industry trends and other matters discussed in this Whitepaper regarding ZipCoin and/or its affiliates are matters that are not historical facts, but only predictions. All forward-looking statements are ZipCoin’s present expectations of future events and are subject to several factors and uncertainties that could cause actual results to differ materially from those described in the forward-looking statements. These factors and uncertainties include, amongst others: Changes in political, social, economic and stock or cryptocurrency market conditions, and the regulatory environment in the countries in which ZipCoin and/or its affiliates conduct its respective businesses and operations; The risk that ZipCoin and/or its affiliates may be unable or execute or implement their respective business strategies and future plans; Changes in the anticipated growth strategies and expected internal growth of ZipCoin and/or its affiliates; Changes in the availability and fees payable to ZipCoin and/or its affiliates in connection with their respective businesses and operations; Changes in the availability and salaries of employees who are required by ZipCoin and/ or its affiliates to operate their respective businesses and operations; Changes in preferences of customers of ZipCoin and/or itsaffiliates;
  6. 6. Changes in competitive conditions under which ZipCoin and/or its affiliates operate, and their ability to compete under such conditions; Changes in the future capital needs of ZipCoin and/or its affiliates and the availability of financing and capital to fund such needs; War or acts of international or domestic terrorism; Occurrences of catastrophic events, natural disasters and acts of God that affect the businesses and/or operations of ZipCoin and/or its affiliates;and Other factors beyond the control of ZipCoin and/or itsaffiliates. You are cautioned not to rely upon any such forward-looking statements, which speak only as of the date they were made. ZipCoin is not under any obligation, and expressly disclaims any obligation, to update or alter any forward-looking statements, whether because of new information, future events or otherwise. All subsequent forward-looking statements attributable to ZipCoin, its affiliates or any person acting on their behalf are expressly qualified in their entirety by the cautionary statements referred to in this section. Neither ZipCoin nor any other person represents warrants and/or undertakes that the actual future results, performance or achievements of ZipCoin and/or its affiliates will be as discussed in any forward- looking statements. The actual results, performance or achievements of ZipCoin and/or its affiliates may differ materially from those anticipated in these forward-looking statements.
  7. 7. CATHRINE (Kim) CHIVHIMA CEO & COO
  8. 8. ABOUTZIPCOIN | Remittance meets blockchain. ZipCoin is a blockchain based decentralized remittance and payment solution which will enhance businesses and individuals in the $104B remit industry. ZIPCO token revolutionizes the remittance industry with the creation of its EOS blockchain powered payment system, which facilitates all types of remittance businesses a safe, secure, swift and reliable payment solution. The ecosystem guarantees safety and reduces rejections that people sending money to their families have to face when they want to send or remit money using the financial institutions. To make financial transactions easy and to get rid of the conventional payment methods, the company introduces its ZIPCO token, which makes all remittance transactions possible for remit businesses worldwide. It is a community, employee-owned, operated ICO and trading exchange designed to decrease existing barriers to entry in blockchain technology for all users across the globe. With the introduction of its EOSIO based ZIPCO token, the company not just wishes for its token to become one of the leading digital currency, but it also wants to replace fiat currencies with its own cryptocurrency in the multi-billion dollar remitindustry. Thus, the ZIPCO token is designed to primarily serve as a solution to a major problem, becoming a valuable token and highly used for millions of businesses and individuals. This whitepaper will explain the details of this vision and exactly how we see it coming to fruition. VISION To touch the lives of our communities, where a large share of the African remit market uses one unified token; ZIPCO, for all their transactions. MISSION Through inspired team members, we aim for ZIPCO token to become the principal payment solution which will largely replace fiat currencies in the multibillion dollar remit industry over the course of several years
  9. 9. What is ZipCoin Claiming to Solve? We are by far a better alternative to many other remittance businesses in the Money Services Business (MSB) that charges customers high processing and foreign exchange rate fees. All businesses in the industry have two consistent things in common; they are related to the remit industry and they have a problem with their payment providers.  Banned from payment providers  High fees  No guarantees  No anonymity  Lack of Peer- to-Peer remitting We have identified the most pain points of de-centralized and centralized exchanges;  Market illiquidity and volatility  Inadequate information  Insecurity of crypto trading  Lack of Peer- to- Peer trading  Poor customer support and security  Lack of inclusiveness and presence in emerging markets and remote areas  Complicated Systems for users to navigate  Lack of tangible ROI besides Capital gains on your token ZipCoin’s Solution to the Problems “Businesses make more profits while consumers spend less”  ZIPCO token will approach all the aforementioned markets and offer a reliable payment solution;  Full ownership of money: (Digital currencies are independent of any third party)  Low fees: (The payment providers who do allow accounts for remit, ICO & blockchain industry related businesses and individuals charge very high fees, because competition is almost non-existent). This instantly means businesses make more profits while consumers spend less.  Security: (The infrastructure which underpins the blockchain technology carries a huge advantage for the banking sector of any industry. Through blockchain data of transactions is stored across vast networks of computers that constantly check and verify information with each other. The blockchain system is near- impenetrable even to the brightest cyber-minds  Guaranteed anonymity: (Due to the EOSIO based blockchain platform, digital currency transactions will allowguaranteed
  10. 10. anonymity. Once KYC has been completed once, the customer will not be asked for an ID each time she/he sends money online via our portal; unless specified.  A united currency: (Once more and more customers join ZipCoin, the use of ZIPCO token in the industry will eliminate large transaction costs, because all transactions will eventually be made through one united currency.  Helping our customers: (With ZIPCO tokens customers can enjoy financial freedom, control their account and receive their payments directly, securely, swiftly, without large fees and with full anonymity towards the paying end. Additionally: 1. Matching Engine- As defined in our whitepaper; high end processor that is capable of handling high customer and transactions numbers- upto 100 million orders/second, making ZipCoin Exchange one of the fastest exchanges in the markettoday. 2. Device Coverage- we are providing cross platform tradingfor;  Web based trading  iOS and mobile iOS  Mobile HTML5  PC Windows  Android 3. Blockchain education, collaboration sessions, meet ups and communityawareness 4. Increased digital wallet support- keep 95% of customer’s tokens in coldwallet 5. Simplified and easy to use system 6. Promote employee and community owned business- introduced equity and share ownership based on your purchase. 7. ZipCoin project is backed up by talented, experienced and multiculturalprofessionals 8. ZipCoin cares about Liquidity- means how quickly you can get your hands on you most wanted currency by exchanging it for another currencies. Partnering with most banks in the world provide us a platform to liquid your digital to fiatcurrency. How does ZipCoin make Profit?  Exchange fees  Listing fees  Withdrawal fees  Trading fees ( sell vs. buy price)
  11. 11. Our fee incentivization is made possible by ZIPCO EOS tokens which are integral part our exchange. Customer can use ZIPCO to pay for any of the fees on the platform. (BIG Savings to our customers) Apart from this when you, the customer uses our “ZIPCO” token to pay for fees, you will receive a significant discount according to the below- shown schedule. 1ST Year 2nd Year 3rd Year 4th Year 5th Year Discounted Rate 52% 27%% 14.5% 7.5% No discount ZipCoin Remit will play a major role in increasing the ZipCoin (ZIPCO token utility value. The ZipCoin Remit will be integrated with ZipCoin Exchange and will be using laws of Math, law of supply and demand to drive the ZIPCO price up. The higher the transaction volume, the higher the ZIPCO price; demand will push the “ZIPCO” token price upward, increasing the worthiness of the token and make it scarcer to the general public. So it wouldn’t be wrong to say that the price of ZIPCO will continue to go up because people own shares, equity, dividends, token buy outs, free discounts and as the users of the ZipCoin remit are continuously sending and remitting money back to their home countries. Providing trading options and match pairing for various digital currencies with a nominal 0.1% trading fee- far cheaper than most of our competitors It is also clear from the business model that our price of ZIPCO will be strictly driven by our remit transaction volume, business incentives and profits that will eventually be used to destroy 50% of all ZIPCO tokens. To achieve this, we are engaging grass roots campaigns for organic business growth, innovative and creative’s programs such as ZipCoin Angel Program, The Community Coin Per Month, the ZipCoin API Coding Competition and various awesome gateways. Last, but not least, to ensure that everyone participate with ZipCoin ends up in a win-win situation, every quarter will use 20% of our profit to buy back our ZIPCO and destroy them until they eventually buy 50% of all the ZIPCO (100 million) back. ABSTRACT Through blockchain technology, ZipCoin shall be a robust, simple, secure and easy to use cryptocurrency trading platform designed for everyone, anyplace and anytime. ZipCoinExchange engine is a digital market where online traders can buy and sell bitcoins and altcoines at market established exchange rates. It is an online platform that acts as an intermediary between buyers and sellers of cryptocurrency.
  12. 12. ZipCoin Exchange will have commission fees for transactions that apply to each completed purchase and sale order conducted through the exchange. The rate depends on the volume. Included in the ZipCoin platform, is the ZipCoin Trade engines, the ZipCoin Customer Support, first-class security system, Know Your Customer” (KYC), the ZipCoin bank partnerships, transaction history and liquidity on the ZipCoin exchange, the secure ZipCoin wallets and an advanced Admin dashboard for regulating the activities within the Trade Exchange. As we grow, ZipCoin shall incorporate banking services using our Financial Service Providers (FSP), Word of Mouth (WM) and Referral Community Program to advocate, educate and provide awareness around blockchain technology. The ZipCoin team has experienced and seasoned professionals from various backgrounds and skill sets. This diverse background will enable the team to understand other cultures, collaborate, engage and work in tandem while driving results and high customer satisfaction. The ZipCoin token will be used for fee payments while operating the Exchange. Our technology shall integrate the Banking processes with the exchange to enable the users the ability to deposit and withdraw fiat money at any given user, place and time. Yes, the ZipCoin platform shall provide services and products that actually solve people everyday’s challenges. MARKET AND INDUSTRY INFORMATION This Whitepaper includes market and industry information and forecasts that have been obtained from internal surveys, reports and studies, where appropriate, as well as market research, publicly available information and industry publications. Such surveys, reports, studies, market research, publicly available information and publications generally state that the information that they contain has been obtained from sources believed to be reliable, but there can be no assurance as to the accuracy or completeness of such included information. While ZipCoin has taken reasonable steps to ensure that the information is extracted accurately and in its proper context, ZipCoin has not conducted an independent review of the information extracted from third party sources, verified the accuracy or completeness of such information or ascertained the underlying economic assumptions relied upon therein.
  13. 13. Consequently, neither ZipCoin or its respective directors, executive officers and employees acting on their behalf makes any representation or warranty as to the accuracy or completeness of such information and shall not be obliged to provide any updates on the same. ZipCoin will emerge as the fastest growing digital currency exchange in USA and Canada creating its own identity and branding against these three exchanges- Coinbase, QuadriagaCX, Coinsquare and Einstein Exchange. Coinbase a partial digital exchange with limited functionality; a user can only buy and transfer BTC, Bitcoin Cash, Litecoin, and ETH. Market Opportunity and Strategy It all starts with the question “what is the point of ZIPCO token?” our answer is simple: Improving one of the biggest industries in the world, which has grown to become a multi-billion dollar industry. We want to create a digital currency which will unify all sectors of the remit industry making financial transactions safe, less costly and seamless The Opportunity. The opportunity starts with the problem: despite its magnitude the remit industry continues to be frowned upon at best and completely rejected by financial institutions at worst. While there are many customers of the industry it is still an industry where ‘high fees’ are the norm and low fees is almost non-existent, however over the decades this is an industry which has fought against all difficult to access payment solutions and taken advantage of every new technological development to climb the ladders of success. The blockchain technology is the exact revolution it needed to rid itself of all remaining attachments to remit payment solutions, bureaucracy and discrimination. We have located all the separate problems and found a solution for them. The market opportunity lies in the fact that this industry is huge with millions of customers, and it has proven to bring in large and competitive revenues in many countries around the world. Over the next two years, ZIPCO token will aim to partner in with these affiliates, partners, agents, businesses, both big and small. Even a small percentage will constitute hundreds of online businesses offering ZIPCO token as a payment solution and creating a large circulation which will give the token value.
  14. 14. Once ZIPCO becomes the mainstream way to purchase and get paid for remit-related transactions everything changes; bigger companies will join in and add us as a payment method whilst new businesses and customers will choose us as an easy and safe choice for opening accounts. COMPARISON CHART ZIPCOIN EINSTEIN EXCHANGE QUADRIGACX COINSQUARE COINBASE LATENCY (NANOSECONDS -NN/ SEC) 40-50 nn/S N/A N/A N/A TRANSACTION FEES 0.045% 0.25% 0.2-0.5% 0.1-0.2% VARIES MOBILE APP YES YES YES YES N/A CUSTOMER SUPPORT YES YES NO NO N/A FIAT WITHDRAWAL YES YES YES YES CREDIT CARD FEE 5.85% 7.5% N/A 10% USA- 3.99% Problem Statement In its current state of development, blockchain technology is largely inaccessible to the vast majority of people due to limited awareness of the technology, its complexity, exclusion of some countries, and lack of user-friendly decentralized applications or “dApps”. Although progress is being made, there is much to be done before blockchain technology is accessible enough to the average user and can become the revolutionary technology we know it can be. Without an effective and efficient means to obtain blockchain tokens, one cannot expect the vast majority of consumers to engage in the emerging blockchain business sector. No matter how innovative or inexpensive a blockchain dApp might be, if a consumer needs to weave through numerous transactions and run the risk of losing their funds during each transaction, it’s not a stretch to suggest that widespread adoption of blockchain technology is unlikely until this problem is solved.
  15. 15. 12 of ZipCoin intends to close the gap for users and service providers by creating a compliant financial services account allowing both users and merchants to buy and sell the bulk of available blockchain tokens in two transactions. Through the integration of a globally compliant financial services institution and digital currency trading platforms, users will only need a single account to store, buy and trade their blockchain assets. With the native infrastructure available via a fully programmable blockchain ecosystem, developers need not look further to build and deploy their dApps. Our platform provides the compute power and data storage to host the dApp’s software securely and is more cost- effective than legacy cloud or hardware server deployment. Combined with an integrated suite of financial services, we believe customers and developers will find the ZipCoin blockchain meets all of their needs to launch their dApp. In addition, developers, customers, and business partners can feel confident in the full compliance of our user accounts and financial services. A secure, compliant and cost-efficient foundation with integrated financial services provides the infrastructure to build a vibrant ecosystem of dApps. WHY E_OS blockhchain technology not ETHereum
  16. 16. A lot more people are coming to the blockchain space. While cryptocurrencies are the main welcoming force, these coins are still a preserve of the tech enthusiasts; a lot like unique toys for members of an insiders’ club. Among the noted hurdles to mass adoption has been the ease with which people can trade the coins. Most exchanges aren’t user-friendly and demand a lot from users e.g. exchange on- boarding is very confusing, user interface (UI/UX) is difficult to navigate, KYC/AML process is too long, bad customer support, etc. A few measures have been proposed, including improving the scalability of existing blockchain networks and making crypto exchanges more user-friendly. Now, the ZipCoin Project is introducing other feasible measures and strategies. We envision a system that adopts the cycle illustrated below. The ZIPCOIN Solution DEPLOY INTEGRATE THE ZIPCOIN SOLUTION LEVERAGE BUILD RECYCLE REDUCE/ZIP
  17. 17. DEPLOY: a flexible and adaptive blockchain infrastructure capable of hosting applications developedin any programming language. INTEGRATE: natively with existing financial infrastructures by leveraging blockchain technology to develop a financial institution, tools, and services. RECYCLE: profits within the economy, to fund investment in the ZipCoinCoinNetwork and the community, via the ZipCoinCoinIncubator. LEVERAGE: existing blockchain platforms, tools and services to create partnerships and reduce the need to develop every necessary component from scratch. REDUCE/ZIPCOINCOIN: barriers to adoption for users, business partners and developers. BUILD: a new economic model that rewards businesses and customers for their Participation in the ZipCoinCoin economy.
  18. 18. HOW DOES ZIPCO TOKEN FUNCTION?  Visit our websites and create your account- (customer account vs. businessaccount)  Complete our KYC for Anti Money Laundering (AML) purposes. This process is only completed once.  Verify your account  Fund your account or transfer your digital currency from another platform  Buy ZIPCO tokens  Trade, Remit and or hold your ZIPCO tokens  You choose ZIPCO Token as a payment method and reach the payment page.  Now, you enter the amount of ZIPCO Tokens you want to convert toUSD.  You make use of your crypto wallet, for example; ZIPCO Wallet, and pays 100 ZIPCOs  Our website receives 100 ZIPCOs in its crypto wallet and unlocks, unfreezes and convert your ZIPCOs into USD  The conversion rate, amount, date is displayed  Select beneficiary payout method- (i.e. payout location, bank account,mobile payment) a. If bank account -enter the beneficiary bank account, and phonenumber b. If payout location- enter location c. If mobile payment- enter mobile phone #  Hit submit or cancel  The money is sent or transaction is cancelled  The transaction is complete. ( sent scenario)  Our system will send notification to the beneficiary regarding thepayment  Once payment is received, the sender is notified
  19. 19. THE CURRENT PROCESS TO BUY & SELL DIGITAL CURRENCY  The user creates an account with Coinbase. Verification can take up to 24hours.  Users account is approved, and transfer of fiat is initiated taking anywhere between 4-7 days. 1% of transaction costs.  The user purchases Bitcoin, taking several minutes- 3-7% of transactioncosts.  The user transfers Bitcoin to their preferred exchange, taking anywhere from 10 minutes to several hours. FEES VARIABLE.  User instantly purchases alternative digital currency using Bitcoin. FEES 0.25-1% of transaction costs.  User downloads and installs wallet and transfers currency from exchange to wallet. To download the blockchain transaction history can take severaldays.  The user transfers currency from wallet to exchange taking anywhere from 10 minutes to several hours. Fees Variable.  User initiates sell order on exchange instantly at market price. 1% of transactioncosts.  The user transfers Bitcoin to Coinbase taking anywhere from 10 minutes to several hours. Fees Variable.  User sells Bitcoin through Coinbase instantly at market price. 1% of transactioncosts.  The user initiates withdrawal of fiat from Coinbase taking 3-7 days. 1-2% of transactioncosts.
  20. 20. HOW TO BUY & SELL DIGITAL CURRENCY WITH ZIPCOIN CREATE ACCOUNT The user creates an account with ZipCoin. Verificationcantake up to 24hours. Creating a trading account, or logging into an existing account with one of ZipCoin’s exchange partners (minutes) FUND ACCOUNT Users account is approved allowing the user to buy digital currency by 1. Linking an existing banking account then wiring funds to their trading account (2-4 days) Min. fees. 2. Depositing cash to the ATM/Debit Card provided by ZipCoin 3. to deposit cash/check/ money order to their ZipCoin account allowing the user to trade (1 day) TRADE | BUY | SELL DIGITAL CURRENCY Through ZipCoin’s platform, the user is able to trade- buy or sell, digital currencies WITHDRAWAL Through ZipCoin’s platform, the user is able to: 1. Use ATM 2. Wire fiat fundsto your account 4. Transfer fundsto another ZipCoin user 5. Pay billsdirectly
  21. 21. ZIPCOIN MAIN DIFFERENTIATORS Value Propositionforour Users We believe the ZipCoin Network will provide numerous advantages for our users and our communities interested in trading and starting a service on the network. Our goal is to create the simplest and most user friendly blockchain platform in the world. Below are some of the main advantages:  Integrated Financial Services - The Financial Service Provider (FSP) will have a financial account available for users and businesses to store fiat and digital currency assets. There will be a merchant processing service available for instant fiat conversion of ZipCoin tokens to the merchant’s bank account; a. Funds transfer (wire and peer-to-peer) b. Payment processing c. Traditional banking d. Bill payment e. Trade Financing f. Merchant servicing g. Remittances  Integrated Digital Currency Exchange - The ZipCoin Exchange will have a digital currency ex-change providing the ability to buy and sell numerous coins and tokens. The biggest feature for our startup is the ability for us to list our token immediately without the hassle of meeting outrageous requirements required or imposed by existing exchanges.  Educational Materials - An extensive library of written and video tutorials to aid and educate users on the ZipCoin platform will be created- FAQ, Knowledge base,etc.  EOS Support - ZipCoin’s decision to use the EOS blockchain for our core blockchain infra- structure provides access to all of the tools built or in development by the EOS team. EOSIO has a huge brand name and a very ambitious plan to support development on the platform with technical and financial support.
  22. 22.  ZIPCOIN Network Support - ZipCoin will provide direct support for any community, institutions, developers or businesses interested in joining the ZipCoin community. Our team is comprised of seasoned business and technical professionals. We only expect to continue adding more highly qualified individuals in time.  ZIPCOIN Customer Support - We will hire and train a customer support team providing live 24/7 customer support for customers, partners, and users.  ZIPCOIN Incubator - ZipCoin expects to begin gathering funds to support startups wishing to build on the platform by providing seed funding. Our goal is to create a process whereby the community can vote on startup proposals and any approved proposal will receive funding and support to getstarted.  Customer Base - ZipCoin expects to build a large community over time who are incentivized through our basic income feature to purchase products and use services on the network.  Dedicated employee - provides excellent customer service to richen each person’s trading experience and lifelong Blockchain learning, education, and awareness.  Blockchain Advisor - understands and captures insights and analytics; customer needs, ideas, requirements and engages with the back office for growth and process improvement:  Recruit and train other Blockchain Advisors, Blockchain Networkers, and Community Managers to monitor our Telegram and other social media forums. h. Provide education and awareness on blockchain technology and ZipCoin product offerings for adoption and financial freedom. i. Build networks and connect with top influencers and government and private sector officials. j. Collaborate with the back office.
  23. 23. k. Provide support to ZipCoin customers using an app (to be developed- need unique ids attached to each Blockchain Advisors) on their IOS and Android devices. l. Engage with the government, regulatory bodies, influencers and business officials and any given time. ZIPCOIN FINANCIAL COMPLIANCE PARTNER ZipCoin has enlisted a “big 4” accounting and consulting firm. We will be leaning on their guidance in finding us a suitable auditing firm, and guiding us through various financial compliance issues as we build our financial institution. It is their standard policy to not be mentioned in third-party business plans, so we cannot name them here. FUNDRAISING PLAN ZipCoin intends to raise funds through a series of funding rounds. Our tokens will be sold to fund the project and allow entrepreneurs and users to participate in the economy. The ZipCoin token is a true utility token, with intrinsic value to the platform, as it represents access to network resources like computing power, storage, and bandwidth. It has no other value or uses outside of the ZipCoin Network. The token will be coded according to the standards issued at the release of the open source EOS blockchain software. ZipCoin may add additional features to the token as needed to meet the needs of the network and community. We will continue to seek legal counsel to advise us on the most effective and compliant way to raise funds for the project. Our initial focus will be accredited investors and established investment groups. Through the advice of our legal counsel and the fundraising consulting firm we will contract with, we will explore additional avenues to try and distribute the token allotment as widely and diversely as possible. Legal and financial compliance is our top priority.
  24. 24. THE ZIPCOIN ECONOMY The ZipCoin Economy holds at its core, the idea that all participants in an economy provide inherent value. The sharing economy best describes the core principles of the ZipCoin economic model. We believe all participants deserve a share in the financial success of the ICO, Exchange and the Fintech network. Our goal is to create as many opportunities to participate in the economy as we possibly can. An efficient economy utilizes its resources in a way that minimizes waste and maximizes value. ZIPCOIN COMMUNITY GOVERNANCE An integral part of any community-driven project is access to information and influence over the direction of the project. Blockchain has created the first opportunity in human history to create decentralized governance models. These models operate as decentralized autonomous organizations (DAOs), in which democratically- arrived-at rules are created and enforced via smart contracts. The security features and trustless nature of smart contracts open the door for anonymous and secure votingprocesses. We are currently identifying the best existing software solution to allow for direct community voting on important decisions. There are some EOS voting applications currently in development, along with Decred and HST, which we are monitoring through contact with their teams. We believe that increasingly decentralized governance empowers the wisdom of our people, and thus creates an environment of flourishing innovation and most-rapid progress. The initial ZipCoin core team will be tasked with getting the project started and funded.
  25. 25. Although the ideal may be to reach a state of complete decentralized governance, we do not see it as practical at the outset of a project. Our vision is to start with a hybrid model, then expand the influence of the community over time, as we turn the ideas presented in this whitepaper into reality. As a measure of good faith in our intention to evolve into a complete, community-owned project, we will run a fully transparent corporation during the start up phase. A core value of the ZipCoin Blockchain Foundation is realizing a truly community-owned project. If the foundation is an independent entity and answers to the community and its elected board of directors, this provides ZipCoin the infrastructure required to realize such a truly community-driven project. However, at present, we must consider the necessity of compliance with existing business and corporate laws. There are no rules and regulations which currently exist that we can look to for guidance. Thus we will be creating and improving the model over time as a community. ZIPCOIN COMMUNITY REWARDS As the network and number of users using the ZipCoin exchange and network grows, we expect to harvest a portion of the network’s financial success and contribute a percentage of the funds to a community rewards pool. The more businesses and features that are successfully launched on the ZipCoin Platform, the greater the pool of fundsbecomes. This incentivizes users to reach out and encourage their networks to participate in our platform and aligns the incentives of entrepreneurs, community, businesses, and users to see the platform achieve success. The rewards pool is a feature we hope to implement in the future when the economy has achieved prolonged and sustainable success. .
  26. 26. 21 of 34 THE ZIPCOIN COMMUNITY The ZIPCOIN Foundation (Not For Profit) The ZipCoin Foundation will be committed to fulfilling our vision and creating a vibrant ZipCoin community, through the following protocols:  Project Software will be open-sourced, with some potential patentapplications  for proprietary technology – all community owned  Decentralized decision making by the community for all macro-economicdecisions  Day to day operations, marketing, and general project management executed bycore team  Community-owned entity Total financial transparency  Board of directors with 2 representatives from the executive team, 2 elected positions from the community serving annual or semi-annual terms, 3 recruited individuals with expertise/experience relevant/necessary to the success of the project, voted on by the community with a simple majority.  The Board members will be elected annually to continue their service or be replaced by newly elected members through an annual community vote.  Board will provide guidance and approval for: a. Executive contracts and compensation b. All budgets Strategic planning
  27. 27. 22 of 34 ZIPCOIN GROWTH &ADOPTION Pre- Launch The realization of ZipCoin’s vision depends on early interest and engagement. However, the scope of our mission precludes quick delivery of beta models. Therefore, our marketing team will helm the execution of a lean, responsive strategy to drive early awareness, interest, and engagement. The strategy utilizes three core tactics: 1 Best Practice Modeling The blockchain promotion ecosystem has proven channels:  ICO listing sites Native advertising through relevant sites andnewsletters  Promotional video – and discussion-seeding on relevant socialnetworks  Telegram, Discord, and Github for turning awareness into interest andaction  Driving traffic via paid advertising and remarketing to an optimized landing page with high conversion rates We have researched this current best practice marketing mix as utilized by similar ICOs, including those of the most successful ones. ZipCoin will take the driver’s seat in modeling and adapting those tactics to full effect. 2 High-Level Branding and Design Consultation Great startups often fall short of their potential impact, for the simple reason that their branding seems amateurish, or strikes the wrong note with key audiences. ZipCoin will engage the services of a firm with proven brand/design success in the digital space, ensuring positive impact that aligns with our core values. 3 Specialist PartnerEngagement The blockchain promotion ecosystem, despite its current best practice, is also evolving rapidly. Furthermore, the financial piece of our project calls for partners specialized in PR for ICO, exchange, banking and fintech sectors. Therefore, we will be engaging vetted, specialized partners on a limited basis to identify and tap pre-launch growth in less- traditional channels. Such channels may include the use of:  Digital press releases and interviews  Outcome-based influencer engagement  Promotional appearances on panels and at events
  28. 28. 23 of 34 The user may use ZipCoin tokens as a mode of payment for the trading fee will get a discount of 30% compared to the original trading charges. If the trade receivable is XRP, we will calculate it by the exchange ratio of XRP to ZIPCO at the market price, which is based on the market price of XRP/BTC and ZIPCO/BTC. Exchange ratio of XRP/ZIPCO = XRP/BTC [market price] / (ZIPCO/BTC [market price]). ZIPCO update cycle for the market price is 1 second Quantity = 1 Spot rate = $10,000 Actual Trading fee = $4.50(0.0450%) Discounted Trading fee = $3.50(0.0350%) Payment Processing Fee ZipCoin will offer direct withdrawal to the bank account of a user requesting liquidity in fiat by enabling them to exchange ZipCoin tokens for Fiat on the levy of a Payment Processing fee of 2.2%.  Email, chat-bot, and social media marketing  Social media marketing and community management for China and other East Asian countries. THE ZIPCOIN BUSINESS MODEL The ZipCoin business model includes revenue streams coming from commissions on management and market trading fee as detailed below; 30 % discount on using the ZipCoin token – our token has the utility to act a method of payment for the trading fee.
  29. 29. 24 of 34 TOKEN SPECIFICATION ZipCoin’s total supply for initial ZIPCO Token distribution is 500,000,000 (ZIPCO ) tokens based on EOS standard. ALLOCATION PERCENTAGE AMOUNT OF TOKENS AIR DROP 3% 15,000,000 INCENTIVES & PROMOTIONS 2% 10,000,000 DEVELOPMENT TEAMS 3% 15,000,000 ICO 30% 150,000,000 FOUNDERS & LEADERSHIP 3% 15,000,000 SEED INVESTORS 5% 25,000,000 PRIVATE ROUND 4% 20,000,000 PRE - SALE 20% 100,000,000 BOUNTY 30% 150,000,000
  30. 30. 25 of 34 It should be noted that during the pre-launch phase, all ZipCoin stakeholders will be enthusiastically mindful of organic opportunities to promote early awareness and growth via word-of-mouth and other interpersonal communications. Post – Launch The same lean and responsive strategy will apply to post-launch growth strategy, with an emphasis on adoption by key users: customers, and early adopters of our revolutionary ICO, Exchange and Financial Services Platform. In keeping with this strategy, the newly- established, non-profit ZipCoin Foundation will assume ownership of robust growth and user retention. The foundation will be assisted by ZipCoin’s marketing team in this regard, as well as the maintenance of marketing tactics from the pre-launch phase which has proven measurable, pragmatic, and sustainable. Wherever possible, growth targets will be achieved primarily via inbound rather than outbound marketing. That is to say, the demonstrable achievements and benefits of the ZipCoin Network will be leveraged to draw awareness and new users. In this way, our overarching goals of authenticity and integrity will be evident in an organically healthy community that keeps promotional expenditures under control.
  31. 31. ZIPCOIN TOKEN PRE-SALE PRICE | USE OF ICO PROCEEDS The ZipCoin business model includes revenue streams coming from commissions on management and market trading fee as detailed below; 30 % discount on using the ZipCoin- Token – our token has the utility to act as a method of payment for the trading fee. USE OF ICO PROCEEDS Legal and Regulation 1000000 Operational Expenses 2500000 Operational Reserves 7000000 Taxes on revenue from token 5500000 Research and Software Development 11000000 Marketing and Business Development 9000000 Banking Industry Company Acquisitions and Equity Partnerships 13000000
  32. 32. Pie Chart distribution Operational Expenses 5% Operational Reserves 14% Legal andRegulations 2% Banking Industry Company Acquisition and Equity Partnerships 27% Taxes on Revenue from Token Sale 11% Marketing and Business Development Research and Software Development 23%
  33. 33. TOKEN ASSUARANCE OR DISTRIBUTION ALLOCATION % (Percentages) AMOUNT OF TOKENS AIR DROP & BOUNTY 33 165,000,000 INCENTIVES & PROMOTIONS 2 10,000,000 DEVELOPMENT TEAMS 3 20,000,000 ICO 30 150,000,000 FOUNDERS & LEADERSHIP 3 15,000,000 SEED INVESTORS 5 25,000,000 PRIVATE ROUND 4 20,000,000 PRE - SALE 20 100,000,000 TOTAL 100 500,000,000
  34. 34. TOKEN ASSUARANCE/ DISTRIBUTION 250,000,000 45% Token Percentages Token Figures 40% 200,000,000 35% 30% 150,000,000 25% 20% 100,000,000 15% 10% 50,000,000 5% 0 0% AIR DROP INCENTIVES & DEVELOPMENT ICO FOUNDERS & SEED INVESTORS PRIVATE ROUND LEADERSHIP PRE - SALE PROMOTIONS TEAMS
  35. 35. TOKEN ASSUARANCE/DISTRIBUTION AIR DROP & B O UNTY 2 % INCENTIVES & PROMOTIO NS 2% DEVELOPMENT TEAMS 3% PRE – SALE 40% ICO 40% PRIVATE ROUND 4% SEED INVESTORS 5% FOUNDERS & LEADERSHIP 4% Special Note: 35% of team tokens will be released after three months from the end of public round of Token Generation Event (TGE), 65% of team tokens will be locked for 1.5 years after which there will be gradual release of the tokens over a period of another 1.5 years.
  36. 36. 23 of 34 What is ZIPCO Token? ZIPCO Token is a digital currency, which aims at improving one of the biggest industries in the world. The digital currency unifies all sectors of the remit industry making financial transactions less costly, safe and seamless. It is the mainstream way to send money using our lowest standard fee, get paid by recruiting your friends, and get free ZIPCO tokens by becoming a member or by just sending more money home. ZIPCO s are highly anticipated tokens to gain in value; while allowing our customers to take advantage of our lowest processing fee and save more money in their pockets. ZIPCO token allows for an easy and accessible payment system for the remit industry. It gives customers freedom to remit and send money from the comfort of their own homes without paying high transaction fees. The ZIPCO token is here to stay and shall act as a substitute to traditional payment methods. How to buy ZIPCO Token The ZIPCO token is available to purchase during pre-Initial Token Sale (ITS) and ITS stages or later via our exchange. The payment system is electronic based while the delivery can be made via the ZIPCO token wallet. ZIPCO Token details The ZIPCO is an EOSIO token. Similar to other ICO tokens such as EOS, DeaIIN, Avatar, HorusPay, Sense, Iryo, Slant and more, it is a utility token that you can use to enjoy the ZIPCO token’s services. The company has decided to make a total supply of 500M ZIPCO Tokens, and has no plans to make any further issuance of the ZIPCO tokens after ITS. The company will destroy those tokens which are not sold during the ITS sale. Moreover, it has decided to lock tokens reserved for team until 1 August 2019. One ZIPCO token will be equivalent to 0.1 ETH or 0.009 BTC. You must have at least 1000 ZIPCO tokens to make withdrawals possible. During the pre-ITS and ITS phase, the company decides to increase the value of the currency by 1 percent per day. ZIPCO Token ICO dates ZIPCO token will achieve its soft cap by conducting a private pre-sale that takes place in December 2018. We have published our MVP, which shows how the platform works. The pre-ITS, especially for new investors, is slated to take place on 15 December 2018 and will end on 25 February 2019. The initial token sale will start on 25 March 2019. This sale will be conducted through our official website www.Zipcx.io ZIPCO Token funds allocation Following are the specific areas where ZIPCO token will be allocating funds raised through its ICO token sale.  30 percent for software development  25 percent for business development  10 percent for operational costs  35 percent for marketing
  37. 37. 23 of 34 ZIPCO Token Price The early adopters and initial investors who register at the time of pre-ITS and ITS will be able to exchange their cryptocurrency for ZIPCO tokens. 0.000100 ETH will be equivalent to 1 ZIPCO token. The registered users can withdraw the ZIPCO token from www. Zipcx.io to a private EOS wallet but only after purchasing it. However, they can only transfer the tokens between wallets as soon as ITS period ends. The ZIPCO Token bounty program ZIPCO token has reserved thirty percent (30%) of tokens for the bounty program right from the very outset of the project. ZIPCO Token Referral program The ZIPCO referral program works on a smooth customized link that will be sent to the personal account of all those who register to ZIPCO token. The registered users can share this link on other social media networks or websites when they want to invite new people to register for ZIPCO token. For every referral who purchases a token will be awarded with a bonus having an addition of tokens to the owner’s account that amounts to 10 percent of the invested tokens bought by his/ her referrals. Airdrop ZIPCO token also plans to make a launch of an airdrop during quarter 2 of 2019. The airdrop facilitates extra tokens to all those have kept their tokens hoarded in a wallet. The airdrop is based on how several tokens will be spent on the referral program at the time of pre-ITS and ITS. If there remains a larger than anticipated amount of tokens, the company may also look forward to make a launch of a second airdrop. Final Remarks ZIPCO token offers a practical and necessary solution; it aims at an industry, which does million- dollar business, and is already prospering with millions of customers. However, it is innovative and shows plenty of potentialities to increase. If you too believe the ZIPCO token is unique and may get you benefitted financially if implemented properly, then sign up for the token sale via our official website: www.zipcx.io, buy tokens via our 2F authentication and secure accounts. Pre-registration is already open.
  38. 38. 23 of 34 COUNTRIES TO BE EXCLUDED IN THE ZIPCOIN ICO Based on the extensive Know Your Customer, Know Your Business and Anti Money Laundering (KYC/KYB/ AML) that included ID check, citizens, and residents from the following countries were excluded and prohibited to participate in the token sale. N. KOREA CUBA S. KOREA USA SYRIA CREMEA REGION REPUBLIC OF CHINA (EXCEPT HONGKONG , TAIWAN & MACAU)
  39. 39. 24 of 34 THE ARCHITECTURE OF THE ZIPCOINSOFTWARE EXCHANGE ENGINE 1 The trading mechanism- core of ZipCoin exchange. Refers to a book of warrants, seeks compliance with orders for purchase / sale, performs transactions and calculates balances. Without a trade mechanism, the exchange cannot function. 2 User interface (UI) or front end of ZIPCOIN Exchange website. This is how traders see our stock exchange. Our interface must be convenient and intuitive;  Adaptive- Android and IOS compatible.  Registration and access to the account  Deposit, maintenance, and withdrawal in the Crypto and Fiat,  View current order book, past transactions, balances, statistics,etc.,  Viewing diagrams, charts, dashboards, etc  Requests for purchase and sale,  Access technical support.  Wallet. The purse is a demo of bitcoins, launched on the server of the exchange. It stores bitcoins and other cryptocurrency (the exchange operator and its traders), so it needs maximum security.  3 ZIPCOIN exchange will introduce a so-called hot / cold purse system for risk diversification. A hot purse is a bitcoin-gateway of the exchange; it allows the client to instantly withdraw the bitcoins to an external wallet without the need for permission from the exchange operator. A hot purse should have a positive balance for instant withdrawal, which can be set in accordance with the turnover of the exchange. A purse with cold storage is located where the remains of coins are stored. This wallet is completely self-contained, which guarantees: no one can gain access to the remaining bitcoin, even if the hot wallet is hacked (so it is always advisable to postpone a certain amount of cryptocurrency to purses with cold storage).
  40. 40. 25 of 34 ZipCoin shall implement Cold Wallet Storage where upto 95% of wallet value can be stored for the security of fund. ZipCoin platform will be 100% proprietary and we will ensure that every single is secure and safe for our customers. We will be SSL and 2FA enabled, with a 95% cold storage policy on all digital currencies; and we will run multiple encrypted and distributed backups every day.  Encrypted Cold Storage  Two-three Factor Authentication  Collaborative Security with Cloudflare  Collective Intelligent Threat Detection  Global Load Balanced Network 2 The administration panel. This helps the ZipCoin Exchange admin to manage the exchange and control it. Functions should include:  Change in liquidity,  Editing the spread and trading fees,  Confirmation of user accounts, after checking KYC or otherrequirements,  Management of currencies such as BTC, USD, ETH, etc. And markets such as USD / BTC, BTC / ETH, ZIPCO, etc.  Crediting of fake deposits or debiting the withdrawal of funds requested by users  Appeal to requests for technical support. ZIPCOIN EXCHANGE ARCHITECTURE The ZipCoin Exchange is designed to operate at low latency, high throughput, maximum uptime, and fault-tolerant, ensuring that the platform delivers a seamless and uninterrupted training experience to its users. **ZipCoin’s digital exchange shall implement a hot / cold wallet system that provides an ideal balance between security and convenience.
  41. 41. 26 of 34 ZIPCOIN EXCHANGE FEATURES | Non-Functional Requirements ADVANCED APIs AND FINANCIAL NTEGRATION ZipCoin advanced APIs promise to give the users a hassle-free trading experience. It will allow them to get connected to FIX, Rest, Binary, WebSocket, and third-party custom APIs. This architectural design will also enable integration with banking, payment gateways, and settlement. EFFICIENCY AND PERFORMANCE ZipCoin market exchange trading platform is a proven fast, high-volume and low- latency exchange engine. This exchange platform will be hosted on high availability IT infrastructure, thus, enabling fault-tolerant architecture with guaranteed 99.995 percent uptime. In order to provide a fault-tolerant architecture, a standby instance setup has been planned with active data replication. This standby instance will start as an active instance, in case the primary exchange goes down due to any reason. Active geo- replication will provide database redundancy and a low-latency platform for the end- users. A geo-targeted load-balanced environment for the trading front-end has also been planned for deployment. Develop a ZipCoin Trade Engine which delivers a speed of 100 Million plus transactions per second with a latency of 40-50 ns.
  42. 42. 27 of 34 THE ZIPCOIN TOKEN The capital that participants use to purchase the ZIPCO token on the occasion of the ICO is a voluntary donation to ZipCoin for the purpose of financing the construction, commissioning and maintenance of the ZipCoin platform. For this purpose, the participants will receive ZipCoin tokens as described in this whitepaper, which entitles them to participate in the ZipCoin platform when this platform is put into operation. The participants in the ICO must be aware that, despite the great efforts of the ZipCoin team, they can lose all the money they have donated and are not reimbursed, especially because the ZipCoin platform is not put into operation for some reason. Consequently, it is possible that the ZIPCO token will never have a value. In addition, the ICO may be terminated for any reason, at the discretion of the ZipCoin team, and it is possible that the ZIPCO token may be subject to regulatory investigation and regulation. There is no legal claim of any kind on the loyalty bonus of the token holders. In particular, the ZIPCO token does not represent a right to participate in the course of business or profit. The ZIPCO token does not confer membership rights to ZipCoin, the ZipCoin Exchange platform or companies affiliated with ZipCoin. Compensation of any kind shall be on a voluntary basis and at the discretion of ZipCoin. The formulas or information listed in this whitepaper regarding the calculation of any remuneration are to be understood as a possibility only and do not give rise to any legal claim. The only and exclusive right of ZipCoin token holders is to use the services of the ZipCoin’s platform. Furthermore, it is important for the participants to know that they have no influence whatsoever on the activities of the ZipCoin team or ZipCoin LLC or ZipCoin Remit company, including the allocation of the donations resulting from the ICO, which can also be used for commitments entered into prior to the ICO or for the remuneration of special services provided by participants in the ZipCoin’s project. The use of the funds is at the sole discretion of ZipCoin and its team, which, to the extent permitted by law, exclude any liability to ICO participants.
  43. 43. 27 of 34 ZipCoin will use the industry best practices in terms of security measures and designed our platform to include top-level security features to safeguard both the client’s funds and trading operations from hostile penetration attempts. Some of the key security features include: Secure cold storage with cold wallet management Cryptocurrency Security Standard(CCSS).  Third-party security line by line code audit.  Insurance of online/hot wallets.  Up to 3-Factor Authentication.  Multi-Firewall Protection.  DDoS prevention.  OWASP Top 10 Compliant.  Extended Validation SSL Certificate. MONITORING AND CONTROL Processes play a major role in delivering business values. ZipCoin will ensure highest level uptime and availability of IT infrastructure by applying IT industry’s best processes which include:  Change Management  Problem/Incident Management  Case Monitoring  Customer Support Due to poor customer service, ZipCoin shall implement an end to end customer support delivery model to support customers 24/7. Customer service is an essential part of our company with human, an e-mail, and telephone service that will be available around the clock. This is how the user requests can be addressed promptly. SECURITY MEASURES
  44. 44. 28 of 34 ZIPCOIN ROADMAP Project Initiation and Engagement Company formation Whitepaper creation first draft (Business) ICO build ZipCoin Exchange build begin ZipCoin Remit build begin Q3 2018 Q4 2018 ICO launch- beta ZipCoin Remittance launch- beta ZipCoin Exchange Build cont. Project Add-ons ZipCoin block build ZipCoin Exchange on ZipCoin Blockchain ZipCoin Remit On Platform re-design Cont. Process Improvement Q4 2019 Q1 2020 Project Execution (Contd.) ZIPCOIN Remit on block chain ZIPCOIN Exchange Go – Live Phase 1: Financial Services integration with ZIPCOIN (Retails, Banks, etc) Q1-Q2 2019 Q2-Q3 2019 Project Add-ons ZIPCOIN Chain (our own native utility development) Phase 2: Financial Services integration with ZIPCOIN Blockchain Technologies- Trading Software- dev- SAAS (start) ZipCoin Community Initiatives Continuous Improvement (Operations, Product Enhancements and Community
  45. 45. 29 of 34 Risks and Rights of ICO Participants Purchasing ZipCoin- Tokens involves a high risk, including but not limited to the risks described below. If these risks or the project are not fully understood, participation in the ICO should be avoided. It is recommended that all information and risks described in this whitepaper be carefully studied, reviewed and weighed before purchasing ZIPCOtokens. This applies in particular to the risk factors listed below. ZipCoin accepts no responsibility or liability whatsoever for any damage that is directly or indirectly caused or suffered as a result thereof, insofar as legally permissible. Dependence on the computer infrastructure ZipCoins’ dependence on functioning software applications, computer hardware, and the Internet implies that ZipCoin cannot give any assurance that a system failure would not affect the use of your ZipCoin- Tokens. Despite the implementation of all reasonable network security measures by ZipCoins, the processing center’s servers are vulnerable to computer viruses, physical or electronic burglaries or other similar disruptions. Computer viruses, break-ins or other disruptions caused by third parties may result in interruptions, delays or suspensions of services which would restrict the use of the ZipCoin tokens. Smart-Contract Restrictions The smart-contract technology is still in an early stage of development and its application is experimental in nature. This can involve significant operational, technological, regulatory, reputational and financial risks. Although the audit carried out by independent third parties increases the level of security, reliability and accuracy, this audit cannot therefore serve as a guarantee, including the express or implied warranty that the ZipCoin Smart Contract is fit for purpose or that it does not contain any errors, vulnerabilities or problems that could cause technical problems or the total loss of ZipCoin tokens. Regulatory Risks Blockchain technology, including but not limited to the issuance of tokens, may constitute a new concept in some jurisdictions that declare existing rules applicable or introduce new rules on blockchain technology.
  46. 46. Tax Token holders may have to pay taxes associated with transactions with ZIPCOIN tokens. It is the sole responsibility of the Token Holders to comply with the tax laws of their respective jurisdictions and to pay all necessary taxes. Force majeure The ZipCoin service may be terminated, interrupted, suspended or delayed due to force majeure. For the purposes of this whitepaper, force majeure is considered to be extraordinary events and circumstances that could not have been foreseen or prevented by ZipCoin and include such events and circumstances: Natural disasters, wars, armed conflicts, mass unrest, industrial action, epidemics, lockouts, slowdowns, persistent shortages or other failures of energy or communications services, acts of local, state or state authorities, other circumstances beyond the control of ZipCoin. Disclosure of Information The personal information received from the ZIPCO token holder, the number of tokens, the addresses used and other relevant information may be disclosed to law enforcement and administrative authorities and other third parties where ZipCoin is required to disclose such information. ZipCoin can at no time be held responsible for the disclosure of this information.
  47. 47. 30 of 34 Value of the ZIPCOIN Tokens After the purchase, the value of the ZIPCO tokens can fluctuate considerably and even drop to zero for various reasons. ZipCoin does not guarantee a specific value of the ZipCoin tokens at any time. ZipCoin is not liable for a change of the ZIPCO token value. Assumptions regarding the foregoing include, among other things, judgments on future economic, competitive and market conditions and business decisions, most of which are beyond the control of the ZipCoin team and are therefore difficult or impossible to predict. . The ZipCoin team cannot give any assurance that the forward-looking statements contained in this whitepaper will prove to be accurate. In view of the considerable uncertainties contained in the forward-looking statements, the inclusion of such information cannot be interpreted as a guarantee by ZipCoin or any other party that the objectives and plans of the ZipCoin project will be successfully achieved. Please note that ZIPCO token may be subject to other risks that are not currently foreseen by its team.
  48. 48. wy ZIPCOINCORETEAM The ZipCoin team boasts of a massive wealth of relevant IT, Business and Fintech/banking experience, a proven track-record in successful ventures, and most importantly, a shared faith in blockchain technology and its transformative benefits. CATHRINE (Kim) CHIVHIMA, MBA | CEO & COO https://www.linkedin.com/in/cathrine-kim-c-b5513113/ Blockchain, ICO and Cyrpto evangelist, enthusiast and an early adopter. Supports ZipCoin business strategy and operations. President and CEO of Mortgage Consulting Solutions (MCS) and other startups delivering high-definition IT services and solutions. Kim is a passionate leader with keen interests in blockchain technology, adoption, and awareness. She has a passion for trading, hedging and virtual currencies such as bitcoin, and the underlying technologies behind them, including blockchain data structures and distributed consensus systems. Kim believes these new ways of putting the technologies together will change the world of business, reminiscent of how the internet changed the distribution of information. Kim consults businesses, individuals and communities helping them understand the implications of blockchain technology.
  49. 49. wy SIPHO BRIAN SEBELE | SALES & MARKETING OFFICER https://www.linkedin.com/in/sbsebele/ Extensive Marketing, Strategic Planning, Business Development and Advertising knowledge using digital marketing tools. Experienced blogger and news writer Entrepreneur, blockchain and cryptocurrency enthusiast, evangelist and early adopter. Pioneer of ZipCoinRemit business model-(i.e. accessibility to remote villages, low fees structure, and easy to use blockchain platform. During spare time Sipho loves to help orphans in and around the small villages in Matabeleland and beyond bringing amazing smiles and memories.
  50. 50. wy TAWANDA TORE | COMPLIANCE | AMLO | COMMUNITY LIAISON OFFICER https://www.linkedin.com/in/tawanda-tore-97025791/ Blockchain evangelist, serial trader and Community leader who believes in building successful communities by providing excellent customer service, recruitment, education, credibility, visibility and awareness of blockchain. Experienced Anti Money Laundering (AML) Compliance Officer; designs ZipCoin AML policies, manuals and procedures. Inspired remit, ICO, and cryptocurrency enthusiast. Drive for blockchain awareness to mass adoption with his community and beyond. Substantial experience in Logistic services, operations, and management.
  51. 51. wy HERMANN DJOUMESSI: MA | FINTECH SOCIAL MEDIA DIRECTOR | SENTIMENT ANALYST | FINTECH BLOGGER https://www.linkedin.com/in/hermanncm/ Experienced Fintech/crypto and blockchain Social Media Management executive and a senior blockchain consultant. Founder of ADMP- an Africa's prime Fintech & Crypto-Startup News Feed. Fluent in English and French. Accomplishments- ADMP is in the TOP25 BEST BLOG for Founders and CEO, to WATCH of 2018 !! Ranked by marketing CRM giant, #FieldBooM! ADMP awards is in the TOP100 Award-winning BLOG, by Feedspot (San Francisco, California, USA) https://www.linkedin.com/in/hermanncm/ Hermann is highly driven and results oriented professional who understands what it takes to engage and collaborate with customers on social media. He is passionate about organic growth and grassroots support; education, awareness and bringing financial inclusion, technology and accessibility to those folks who need it the most; especially in the blockchain and remittance space.
  52. 52. wy MATHIAS NGUCKO KENFACK | ACCOUNTING & TAXATION DIRECTOR https://www.linkedin.com/in/ken-kenfack- 56821abb/ Experienced and knowledgeable Accountant and Taxation officer blockchain enthusiast; Tax planning and Tax returns practitioner providing end to end solutions for small and mid size companies. Founder and CEO of KAACA Professionals Inc, a premier tax and financial consulting firm out of Alberta. Proficient in English and French and providing financial literacy on remit business solutions on blockchain technology to his community. Ken enjoys community engagements, giving back and family events.
  53. 53. wy KUDZAI CAROLINE TANDI: BACHELOR OF LAWS (HONOURS) DEGREE (LLBS) | LEGAL COUNSEL https://www.linkedin.com/in/kudzai-caroline-tandi- 90502b116/ Kudzai is one of the two founding partners of Mangwiro Tandi Law, a small commercial law practice based in Harare, Zimbabwe and is also the Managing Partner. She holds a from the University of Zimbabwe, a Post Graduate qualification in Advanced Corporate Law and Securities Law from the University of South Africa (UNISA) as well as a Post Graduate Diploma in Applied Taxation from the Institute of Certified Tax Accountants (ICTA), Zimbabwe. Kudzai’s law practice is biased towards various aspects of commercial and civil law as well notarial and conveyancing work, all which she enjoys. She additionally also sits on the Boards of Island Hospice and Healthcare and the German School Society as a non-executive board member and is also a member of the Rhodesville Catholic Church Parish Council.
  54. 54. wy ALBERT ARTHUR BROWN, Msc.| DATA ANALYTICS & MINING DIRECTOR |COMMUNITY LIAISON https://www.linkedin.com/in/albert-arthur-brown- 275765a/ Albert has a passion to use technology to solve problems. He is currently on a mission to educate families on financial literacy. He believes in empowering people to make own decision, hence very aligned with our mission to provide education platform to educate consumers. Albert is a leader in IT and Finance with over 15 years in industry experience. He experiences spans across multiple industries including finance/insurance, Oil and Gas, Education, research and manufacturing to mention a few. Albert will bring his passion and experience in stakeholder management to bear to help expand our education and awareness campaign on blockchain and financial literacy. He will be an integral part o of our expansion campaign to bring our solution to targeted African markets.
  55. 55. wy NOOR BAHADAAD | ACCOUNTANT |COMMUNITY LIAISON OFFICER https://www.linkedin.com/in/noor-bahadaad/ Noor is a solid accountant with experience in corporate and consolidated operations, research accounting, capital asset management, and financial reporting. She loves to be part of this rapid change in technology, blockchain, ideas, and innovation as it relates to the remittance space. She is highly engaged with the Tanzania community and understands the frustration of paying high fees when sending money back home. Her passion for our product, community engagement and our vision has brought Noor to our organization. During leisure time she enjoys spending time with her community and family.
  56. 56. wy ZIPCOINEXECUTIVETEAM CHAIRWOMAN OF THE BOARD SEAN MONAGHAN: MBA, CCP, CGMA, CMA, CPA |Co-FOUNDER | CFO | https://www.linkedin.com/in/sean-monaghan-212b1012/ Sean is a skilled leader who drives business improvement initiatives, ERP implementations and enhancements, and creates
  57. 57. wy efficient supply chain models. He is a passionate leader who believes in mentoring and coaching others to maximize the full potential of an organization. He is an experienced business executive with the technical knowledge and understanding of international business, manufacturing, telecommunication, supply chain and distribution industries. He believes in giving back to the community and to the professional organizations he is a member with. He is a current board member for the non-profit Airdrie Housing Ltd. and the Credit Institute of Canada Audit Committee, and a past member of the Certified Management Accountants Society Discipline & Appeal Tribunal, Professional Conduct and Discipline Committee, as well as the City of Airdrie Finance Advisory Committee. Sean is a family man and loves to spend time with his family, especially travelling around the world with them on new adventures. TAFI CHAKAINGESU: AFRICA CHIEF MARKETS STRATEGIST | Co-FOUNDER https://www.linkedin.com/in/tafi-chakaingesu-45317366/ Commercially astute general manager with 25 + years extensive experience in managing retail, transport and logistics businesses in South Africa and Zimbabwe and providing consultancy services to transport industry players. He is a renowned business executive with an excellent track record in the
  58. 58. wy corporate sector providing Business Strategy, Business Development, Operations Management, Contract Negotiation, Risk Management, Customer relations, Key Stakeholder Management and Talent development. Through his leadership and business acumen, Tafi has transformed two logistics companies from small localized operating companies to regional transport giants with contracts with leading regional mining houses. Tafi enjoys spending time with his family, building relationships, volunteering and helping the elders and the poor. FRED LEE | ENTEPRISE ARCHITECT | CTO https://www.linkedin.com/in/fredlee/ Fred has more than 25 years experience in application development, system management, system integration, software implementation, project management (waterfall and agile methodologies), database technology, cloud, cyber security, governance, enterprise information management and business transformation projects. Passionate and accomplished at solving problems and building the right business solutions. Extensive experience in the full software development life cycle.
  59. 59. wy AUREL D HOSSOU: BSc. ENGINEERING | CHIEF COMMUNITY STRATEGIST https://www.linkedin.com/in/aurel-d-hossou-2a100b122/ Aurel has a passion for Africa and has worked at building communities of African Descents; and other multicultural communities in Calgary, AB, Canada. He shares the ZipCoin vision in a way that Zipcoin would help solve many problems faced by the Diaspora and Immigrants while simultaneously alleviating roadblocks to business and development back in Africa. With a background in Engineering and Business, Aurel has experience in the Energy Industry; as well as in Government. Skilled in Programming; Economic Evaluation; Data Interpretation and Modeling, his professional and community involvements include Toastmasters Public Speaking; Teaching; Spanish Club; French Club; International Business Club; Multicultural Societies; Metropolitan Immigrant Settlement Association; Provincial Court Interpreter and more. Aurel is currently leading the Calgary Black Connection (500 Members and growing) and the Calgary French Connection (1700 Members and growing); both potentially great venues for promoting ZipCoin to immigrants.
  60. 60. wy ZIPCOINADVISORYTEAM PAIGE (PADRON) MILES: CGA | CPA | CIA | FINANCE & AUDIT ADVISOR https://www.linkedin.com/in/paige-miles-cga-cpa-cia-b3674136/ Paige has over 15 years experience in the areas of finance and audit, in private and public sectors. In her spare time, Paige loves to spend time with her children and volunteering in her community giving back to her community.
  61. 61. wy WAYNE LOGAN: | LEGAL COUNSEL https://www.linkedin.com/in/wayneloganmt/ Wayne brings extensive expertise and knowledge in the legal space. He has been working in the entertainment industry all of his life: first as a musician and for the past thirty years as an entertainment, sports and intellectual property lawyer. He is extremely good at what he does, big influencer and high level business connections around Canada. Working with celebrities began in 1987 with Mr. and Mrs. Hockey - Gordie and Colleen Howe. This led to working with other Hockey Hall of Famers, many Canadian Olympians, TV and radio talent, adventurers, actors and authors - generally assisting them with their contracts, publishing, endorsement, sponsorship and business transactions.
  62. 62. wy WILLIAM M. MATHESON, ICD.D | BUSINESS ADVISOR https://www.linkedin.com/in/william-m-matheson-icd-d-3a917a43/ Bill is an experience and seasoned Business Leader and Executive director in oil and gas companies in Calgary. He has over 20 years of holding senior level positions at the CEO, President, COO and as a board member overseeing the Audit Committee, Compensation Committee and Reserves Committee. Bill has mega experience helping and advising junior and startup companies with Business strategy and execution.
  63. 63. wy SIMON COCKING | BLOCKCHAIN AND CRYPTOCURRENCY EXPERT & ADVISOR https://www.linkedin.com/in/simon-cocking-20540135/ Provide strategic guidance to the marketing team and media coverage. Simon is a global leader and influencer within the blockchain space and enormous expertise to make the ICO a success
  64. 64. wy OLIVER MARCO LAROSA |BANKING, BLOCKCHAIN & EU MARKETS EXPERT https://www.linkedin.com/in/olarosa/ CEO GLOBIANCE, Chairman at EUCC, President at Government Blockchain Association Malta. Oliver will bring business and executive experience to ZipCoin in areas of banking, EU markets and blockchain technology
  65. 65. wy STRATEGIC PARTNERS MEET OUR ZIPCOIN PARTNERS WAPPNET – IT & BLOCKCHAIN | https://wappnet.com/ MORGATE CONSULTING SOLUTIONS | http://morgatesolutions.com/index.html VIDEO JEEVES | https://www.videojeeves.com/ MILLER THOMSON- LEGAL | https://www.millerthomson.com/en/our-firm/offices/calgary/
  66. 66. wy CONTACTS To learn how you can join the ZipCoin community and leverage our platforms to start trading in digital currencies, please reach us at: http://www.Zipcx.io admin@Zipcx.io Reddit: https://www.reddit.com/user/ZipCoinexchange Telegram: https://t.me/ZipCoinexchange Twitter: https://twitter.com/ZipCoinexchange Facebook: https://www.facebook.com/ZipCoin-Exchange-2205861812988417/ Instagram: https://www.instagram.com/ZipCoinexchange/ Linkedin: https://www.linkedin.com/company/ZipCoin/ YouTube: https://www.youtube.com/channel/ZipCoinexchange
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