ZODIAQ BANK FIRST LICENSE WITH VARIOUS TYPE OF SERVICES
INTRODUCTION
It is difficult to imagine the modern world without an electronic payment system. The idea of prepaid cards appeared at the end of XIX century and was revived in the second half of XX century in USA, entering into the everyday life of each human. It was during this period that Diners Club issued the world’s first payment card, which was not universal, what restricted its use greatly. Nevertheless, the precedent proved to be successful, and as early as in 1958 the Bank of America issued the world’s first universal bank card, which was called BankAmericaCard and became known worldwide as Visa.
Convenience of non-cash transactions today led to the formation of a significant number of electronic payment systems in the world. Digital money has penetrated into routine life: we can secure any operation, from payment of utilities to a currency contract. However, the growth of popularity of payment services did not allow ensuring security of electronic payment properly. Such a process inevitably caused new regulatory norms of payment intermediaries and a significant increase in the cost of their services.
We are not always able to make instant transactions with our own funds, sometimes we have to wait for the bank or another payment service participant to perform its validation. In this case, often, the cost of electronic operation is not comparable with its convenience. And, as a result, there is a need for universal systems with instant payments and low prime cost.
The world is grabbing the crypto currency strongly. According to coinmarketcap.com, the capitalization for crypto currency per April 11, 2017 is 28,122,800,000 USD. As of April 11 this year, this figure is 270,671,000,000 USD. Despite the active growth of this indicator and the subsequent decline in early 2018, overall, over a long period of time, it is clear that crypto currency capitalization is growing.
User involvement can be estimated by the number of wallets. According to statistics from the University of Cambridge in 2017, from 5,8-11,500,000 purses considered "active", and a total figure of 35 million, according to data from 2016. Compared with 2013, their number increased 4 times.
This growth is supported by the laws of many countries, which have begun to draw an analogy between fiat and crypto currency. For the previous 2017, crypto has been granted legal status as a legitimate means of payment or as "personal money" in more than ten countries: Japan, Singapore, Gibraltar, Cyprus, Estonia, Hong Kong, Czech Republic, Belarus, Poland, Germany, Georgia, Armenia, etc. This means that this field will not do anything, but develop in the future.
SYSTEM COMPONENTS
ZODIAC CARD
Like your regular map. Easy and convenient - you can pay whatever you want and withdraw from the ATM.
You can choose to have your card work with your Fund from a fiat or crypto account.
Easily switch between them via mobile or web apps.
SMART PURSE
It functions like a cool wallet to store cryptocurrency safely and comfortably. NFS payment without contact.
Tie your Bank card to a third party.
Accept payments as POS terminals, including NFS or fiat transfers and crypto allocations between gadgets.
This smart wallet is equipped with screen with electronic ink, wifi, blamour and GSM module, and connect to computer or Mac via USB.
The function prototype already exists.
CRYPTOFIAT BANK Bank
we are fully licensed and legal is the heart of our ecosystem. She provides the following services:
- Bank account both in Fiat and cricket
- Deposits in Fiat and curves
- Instant money transfer
- All other traditional banking services
- Visa / Master card with BTC and other major crypto currency as card currency
- Intuitive and multi-functional trading terminal
- All the major technical parameters of the analysis
- Various financial instruments
- Option for Instant deposits and withdrawals, including ZODIAC Bank cards
- Hedging by trading the main 10 cryptocurrency indices to avoid significant changes in the level of a particular pair of Control Systems
based on AI. Our Artificial Intelligence System uses powerful data analysis and deep machine learning. We have anatomically successful strategies and scenarios to create investment opportunities in the crypto contest and in relevant markets. Currently, the trading algorithm is being tested on Poloniex Exchange, and has generated more than 100% of profit before the first 20 days.
PAYMENT SYSTEM
Similar to your normal Bank card. Easy and convenient - you can pay whatever you want and withdraw from the ATM.
You can choose to have your card work with your Fund from a fiat or crypto account.
Easily switch between them via mobile or web apps.
PROJECT ECOSYSTEMS
PRODUCTS OF THE SYSTEM
The current state of the system
Classic bank ecosystem is the first stage of our project implementation. In this version, all operational accounting will be implemented in a typical centralized banking information system (BIS). At this time, the personal account of each bank user allows logging and performs the following general actions:
- create accounts in fiat currency: USD and EUR
- create wallet: BTC and ETH
- transfers in currency between users (P2P)
- transfers in crypto currency between users (P2P)
- exchange p2p crypto-fiat between users
- purchase and sale of crypto-currency for users
- credit and debit fiat currency
- crediting and debiting crypto
- Account creation in USD and EUR
- Create a wallet: BTC and ETH
- Transfer in currency between users (P2P)
- Transfer in crypto currency between users (P2P) • P2P crypto-fiat exchange between users.
- Purchase and sale of crypto currency.
- Deposit and withdrawal of fiat currency.
- Deposit and withdrawrar of crypto currency
Platform with API connection
In the next phase of the project, ZODIAQ, following the terms of the EU second payment directive (PSD2), will bring together representatives from the banking segment. The two main tools of the new platform: Payment Service Initiation Provider (PISP) and Accounting Information Service Provider (AISP), will be developed and introduced. The API service functions are as follows:
- drawing, certifying and transferring orders for funds transfer
- analyzing data and providing information about the client's personal finances, recommendations for more effective savings management, etc.
- provide information to third parties (for example, to assess the solvency of the borrower).
By using the services of its own banking services, which will be actively developed at this stage, ZODIAQ will be one of the first in the world to perform operational testing of PSD2 formalized provisions and introduce new protocols.
Platform blockchain payment
The world banking system and, in particular, the ZODIAQ team sought this option. At this stage of implementation, the core of the bank becomes digital and becomes online. Banks become decentralized. As a result, any payment agents start communicating with each other. Blockchain platforms, banks and payment services can be examples of such agents. At this stage, everything around a decentralized blockchain platform is converted into an API channel. The core of the bank obtains a tool for integration with all types of payment agents. In addition, both individuals and legal entities can become platform clients. In this implementation process, block-payment platforms can replace SWIFT completely. However, it is clear that SWIFT will remain the largest player in the financial market for a long time, Platform blockchain payments.
The blockchain platform serves to spread the platform at home, rather than developing API services from scratch. Services provided by our blockchain platform:
- provide card balance
- ensure payment
- ensure payment security.
This will be the first stable solution, which will allow the bank to accept crypto currency in its regular cycle.
Marketing model
The marketing strategy, as part of the overall development strategy, aims to increase market share, attract users, increase frequency and scope of use of services, increase brand awareness and customers’ loyalty. Active users of crypto-currencies and related services are the core of the target audience, while the task is to make the service so simple and intuitive that people who do not have experience in this area could easily start using services of ZODIAQ.
In terms of products, a diversification strategy is proposed. A continuous process of monitoring demand, testing, developing new products and putting them on the market is most consistent with the business idea of a single center from which the user could perform any required operations. The product matrix will be established with a slight overlap in terms of functions, but excluding absorption of the audience segment of one product by another. In other words, at the junction of the sets of demands inherent for every group, the user should have an option of more than one product and a smooth transfer to another category. In parallel with release of new products, existing products will also continue to evolve. Using Customer journey, UX research and other modern techniques will allow optimizing both experience of using the product in general, and process of interaction with the service, in particular. A special attention to the details on the user’s requests is a key factor in creating any leading product.
Primary attraction of consumers and increasing brand awareness will occur due to media activity in the information space. An advertising campaign will be developed and held for every product, as soon as it is ready to enter the market. A complex media strategy, including any available channels in a reasonable proportion, will ensure maximum coverage and the number of contacts to form awareness, as well as more detailed knowledge of the products.
Achieving a high brand awareness is one of the first marketing tasks at the initial stage of development. Yet, one should remember that performance of ICO itself will serve to build awareness and, as a consequence, a primary client base. The active use of end-to-end analytics at all stages of interaction will enable using the budget for marketing as efficiently as possible, measuring the results in real time. To increase the volume of use, a multi-level loyalty program will be launched, based on both tokenomics, as well as intangible mechanics, to make the use of services functional and as interesting as possible, contributing to increased clients’ involvement. Monitoring of MAU/ DAU indicators will allow tracking this direction in the quantitative measurement.
Customer loyalty is built on incentives, as well as high-quality interaction. To do this, a round-the-clock multilingual support service (call center, messengers) will be organized, which will always be able to help and answer any questions related to the use of ZODIAQ services. The autonomous integrated help system will allow you finding information right in the process of using, and onboarding master will introduce the new user to anything, required for the work. One could learn more on the current activities and plans in the blog, video broadcasts and e-mail newsletters of the company; Twitter will report on something urgent, and one could ask questions in the telegraph and chat directly with the founders of the project. Thus, a policy of maximum openness and closeness to the consumer will be maintained.
CSI (Customer satisfaction index) and NPS (Net promoter score) will be applied in the system of interaction with consumers in order to obtain quantitative and systematized feedback from the customers. Marketing activity will be ensured by the internal marketing department with involvement of the world’s leading marketing agencies, having a successful experience in promoting fintech products and blockchain projects.
Emission of token
Tokens are issued on Ethereum platform (ERC20) and distributed in the course of ICO between the participants (customers), partners and consultants and team. The total issue of tokens is limited, and makes 300 million.
The abbreviated token is ZOD.
- Hard cap is the total amount of required investment, which makes 104.719 million USD. Fees are fixed based on the total number of collected coins at the current exchange rate, in USD equivalent.
- Soft cap is the minimum amount of attracted investment, which makes 1.5 million USD. If the amount of fees does not reach the minimum mark, all collected funds will be returned. The final issue is determined when all the stages of the primary allocation have been completed. Unallocated tokens are destroyed by a smart contract.
Stages of allocation of token ZOD
The concept of holding ICO, when ZOD token will be distributed, has a finite multi-stage phased order.
The method of step-by-step attraction of financing has a number of advantages, both for the project and potential participants of the project.
ZODIAQ project is based on four fundamental objects, each thereof is a separate stage with a certain cost of implementation.
The following rounds with the following indicators have been scheduled:
Within framework of the proposed model of crowdsale, exact ICO start/finish dates may not be laid within a contract, therefore the dates indicated may be slightly shifted in both directions.
- All tokens participating in ICO are an integral part of one emission.
- The price of the token is set for every specific round of the crowdsale.
- The round is considered complete if the time is over or the amount received from the sale of ZOD tokens and quoted in USD at the current exchange rate or meets Hard Cap of a particular round.
Their consistent implementation requires step-by-step financing. The first stage is the bank, implementation thereof will begin after completion of the first presale. The attraction of financing for every stage is divided in time. The implementation of every next phase of the project is accompanied by a new round of ICO.
The cost of the token increases with every new round, and the share of investment risks decreases, while the value of the token grows due to development of infrastructure and launch of services and the Road map, accordingly. This explains step-by-step structure of increasing the token value with every next round, expressing the advantages of the early participants of ZODIAQ project, as indicated in the table. Thus, admission at an earlier stage will be the most profitable, since the earlier you buy the tokens, the more you earn.
In the event that all tokens intended for implementation within the current round are sold out ahead of time and the round time has not yet come to an end, the project reserves the right to sell the tokens of subsequent rounds while keeping the raising factor of the value. Thus, the number of actually performed rounds may be reduced to one. The last stage is designed primarily to raise funds to ensure that all project entities have liquidity, therefore the upper limit of charges may be shifted to a greater extent proportionally to the demand.
Distribution of tokens
80% - public offer
10% - founders and team
5% - partners and consultants
3% bounty
2% referral program
The final distribution of tokens to the team, partners and bounty will be made after the end of the ico. This is done in order to ensure the stated distribution of shares between the tokens sold and all the others.
Allocation of funds
The allocation of funds collected during the preliminary round of Pre-ICO differs from the subsequent rounds, during which the funds raised will be directed mostly directly to the construction of the project.
Thus, the funds raised during Pre-ICO will be expressed as a percentage as follows:
50% - marketing
20% - development
5% - infrastructure
10% - legal support
10% - security
5% - operating expenses.
At the same time, during the main rounds the following distribution will be provided.
30% - development
30% - infrastructure
20% - marketing
10% - security
3% - legal support
7% - operating expenses.
ROADMAP
BANK
Getting FATCA / GIIN for the bank
January 2018
Receive SWIFT for the bank
February 2018
Start testing MVP banking platform
February 2018
Account opening in crypto currency
April 2018
Account opening in fiat currency
May 2018
P2P Transfer
May 2018
P2P exchange with escrow
May 2018
Visa / MasterCard Card
October 2018
The loan is secured by a crypto currency
December 2018
Mobile banking applications
December 2018
EXCHANGE
Test the launch of the exchange
January 2018
Transfer from exchange to server work
September 2018
DANA HEDGE
Obtained license for hedge fund
October 2018
Get started with hedge funds
October 2018
PAYMENT SYSTEM
Multi Crypto currency account
February-March 2018
TEAM
Oliver Kempkens: CEO
Aleksandr Gorbov: CVO, Co-Founder
Pavel Dmitriev: CMO, Co-Founder
Erik Shekhmametev: COO, Co-Founder
Vyacheslav Grachev: CTO
Ilya Churakov: Marketing Strategy Advisor
FOR MORE INFORMATION YOU CAN VISIT LINKS BELOW:
Whitepaper: https://zodiaq.io/file/ZODIAQ_WP.pdf
Facebook: https://www.facebook.com/ZodiaqCorp/
Twitter: https: // twitter .com / zodiaq_io
Bitcointalk: https://bitcointalk.org/index.php?topic=3411516.0
Media: https://medium.com/zodiaq
Telegram: https://t.me/zodiaq_group
by POLENG
ETH address: 0x81a9Abdc9662BD7a285Fb1DA5b03E5Fb5c7a6c9a
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