CRYP TOPAY(CRYP)白皮书.pdf
CRYPTOPAYCentral Entry Point to aDecentralised WorldWhitepaper25 September 2017Final Version01Legal Disclaimer.14CPAY Initial Token Sale..24Financial Highlights26Conclusion..14151617181920212122General OverviewPurpose of CPAY ICOMilestonesCPAY Pre-saleICODistribution StructureCPAY ICO Bonus ScheduleToken Holders RewardsFoundation and CPAY Team VestingCPAY Initial Token Sale Procedure..........02Risk statement.03Restricted Areas....04Introduction....05About the company....06Cryptopay Management24Cryptopay Current Financials..24Financial Projections.07Advisers..08Cryptopay Products...08Existing products 222223RegistrationPurchasing CPAY TokensCPAY Token Listing......10Products Under Development ..101112Brokerage ServicesCurrent Accounts and Banking ServicesP2P Marketplace .......080810Bitcoin WalletCPAY Prepaid CardMerchant Processing 05Short Summary...Legal DisclaimerPlease read the following notice carefully before proceeding to read this Whitepaper document issued by CPAY Foundation Limited, an mpted company incorporated and existing under the laws of the Cayman Islands hereinafter – “Distributor”. This notice applies to all persons who read this document. Please note this notice may be altered or updated.The Whitepaper does not constitute any relations between you hereinafter – “you” or “Holder” and the Distributor. Acquiring of the CPAY tokens is available only after accepting the Terms of tokensale hereinafter – “T Headquarter is based in London; Three offices worldwide; 56 full-time employees; More than 450,000 users registered; More than 91,000 cards issued. Monthly volume of transactions is over 22 mln EUR with a sustainable growing trend; Profitable and cash flow positive since 2016; Fully compliant with EU Data protection legislation; FCA registered small payment institution; PCI-DSS Level 1 certified.Short SummaryCryptopay has been in operation since 2013 and is one of the longest running digital currency service providers in Europe. It has a broad range of services for the digital currency world - starting with merchant services for bitcoin transactions and building on that to a full digital assets wallet with prepaid card and payment services.Here are some facts about Cryptopay’s current businessWe are now raising funds to finance the development of new products, acquire appropriate licenses in Europe and Asia and provide necessary working capital all on the basis of the existing Cryptopay products and infrastructure.05ICO Cryptopay White paperCryptopay ManagementGeorge BasiladzeFounderMsC in finance, George has had various research analytical experience at different Russian investment firms and also holds an in-depth knowledge of financial systems. Experienced professional with PE/VC and corporate finance background, passionate on starting new products or act as an adviser for other founders regarding strategy, business modeling, valuation and fundraising.Dmitry GunyashovFounderDmitry is a long-term bitcoin supporter and has been involved with the bitcoin community for more than 5 years. Dmitry has a 7 years history in building e-commerce businesses and successfully managed the development work of multiple payment systems in the past.Eric BenzManaging DirectorWith over ten years of experience in fintech, Eric has delivered innovative SaaS systems for the biggest institutions around payments, identity, and banking infrastructure. Ever since hopping on the blockchain wave in 2012, Eric has been involved in a number of blockchain fintech businesses both as an investor and as a board director.06ICO Cryptopay White paperAdvisersMarc KenigsbergFounder of BitcoinChaserA firm believer in Bitcoin since 2013, Marc operates various Bitcoin websites and projects. He is a veteran of the gambling industry with 15 years experience in various marketing roles and also an affiliate in the financial space and operates industry leading financial portals.Artem TolkachevDirector in DeloitteArtem has a broad legal expertise in the area of fintech and internet content projects. He has supported the activities of the largest mPOS solutions in CIS and Russia. Artem has developed the legal infrastructure for a range of payment systems, some of which include crypto.Christian PapathanasiouCEO at GCX LTDChristian has managed some of the largest application security programmes in the world for financial services institutions. He has sat on various board risk committees, set enterprise wide IT security standards and worked with regulators in the UK, US and Singapore.Jon MatonisFounder of Bitcoin FoundationA blockchain evangelist, a fintech professional, founding director of Bitcoin Foundation, Jon has spent years working, writing and creating global networks.07ICO Cryptopay White paperAdvisers continuedCryptopay ProductsExisting productsBitcoin WalletThe Cryptopay wallet is the core product that lays as the foundation to all existing fee-generating services. We offer a hosted bitcoin wallet Ethereum, LiteCoin and Ripple coming soon and integrated simple exchange services.For even further convenience, Cryptopay introduced Flex accoun