MeetnGreetMe : Personalizing your travel experience

MeetnGreetMe was designed to make travel experience a really personalized experience around the world and help travelers save their valuable time while outsourcing travel related tasks to dedicated and trustworthy local people.

What is MeetnGreetMe ?

MeetnGreetMe is a global ecosystem where every traveler can request services tailored to their travel needs and budget. Delivered by resourceful local people and paid via blockchain enabled peer-to-peer payment system.

Combining peer-to-peer interactions and advanced analytics we aim at producing highly personalized behaviour-based offers and transforming travel experience into really personalized experience around the world.

Mission

The MeetnGreetMe mission is to let everyone access all the benefits of personalized approach to their travel needs while supporting local businesses and communities to market their services and products at fair costs. 

Recognizing that our life as international travelers can be more comfortable, easier and enjoyable should we knew trustworthy people in a visited city, we have started to develop a new concept of personal travel concierge service which is delivered by local people to world travelers and hence can be afforded by anyone who needs it. Basing it on trust, friendship, fun and hospitality we are building a global community of like-minded people who are happy to share their hospitality, local expertise and knowledge with travelers. 

Vission

We aim at revolutionizing travel and hospitality industry via turning it into a crowdsourced ecosystem with decentralized elements where every member is incentivized to contribute with their time, skills, local expertise and resources to the MeetnGreetMe ultimate goal - help people from around the world travel carefree, enjoy personalized approach to their travel needs and savour authentic experiences wherever they are.

We  see MeetnGreetMe as a community driven marketplace where all the parties will find an opportunity for self-expression and -enhancement through helping others and eventually will be rewarded by the community. Moreover, the background diversification of MeetnGreetMe community members will help to bring the blockchain technology to masses and popularize it among people around the world.

Advanced analytics and machine learning which will be later integrated will allow us to produce offers based on our customers’ behavior and radically change a way people approach the process of planning and arranging their travel related tasks and activities.

MeetnGreetMe services

From meeting upon arrival or accompanying during the stay to helping with organizing your life events or finding business contacts in a visited city, local MeetnGreeters are stuffed to deliver a wide range of tailor-made services to help international travelers to reach their travel goals and save time for things that matter.

Arrival/Staying

• Accompany during stay
• Rent a car
• Organize/Assist with events
• Accompany to events
• Drive to destinations
• Book a hotel/apartments
• Meet upon arrival
• Interpret/Translate
• Information on the local infrastructure and transport
• Help with shopping

Entertainment

• Information on culture, lifestyle and traditions
• Book/buy tickets to events/sports games
• Arrange travel tours to local attractions
• Arrange a gastronomic tour
• Personal city guiding
• Nightlife hot spots guiding
• Plan a trip
• Charter a yacht, helicopter, etc.
• Other request unique to the place of stay
• Visit a party hosted by locals

Day-to-day issues

• Assist with banking and money matters
• Book personal care and services
• Arrange a repair or an engineer visit
• 24h information support
• Make telephone calls
• Find contacts
• Buy flowers
• Gift delivery

Business matters

• Perform Internet research
• Book a restaurant/make a recommendation
• Perform personalized shopping and delivery
• Provide business referral service
• Take photos at events
• Advice on business etiquette

Health/Fitness

• Request health insurance
• Arrange visits to doctors
• Accompany to doctors
• Sick care
• Arrange sports activities

Blockchain based travel & hospitality ecosystem

MeetnGreetMe is a community driven and trust based ecosystem where everyone is welcome to participate with their skills in accordance with their interests and get rewards for their contribution.

Business model

MeetnGreetMe is built around a scalable business model. It operates in P2P, B2B2C and B2B segments:

In the P2P segment MeetnGreetMe will continue to charge MeetnGreeters 20% commission fee as a world-wide accepted benchmark for P2P services. It’s planned to be lower with time as the blockchain technology will help to significantly lower operating costs. Moreover, with WelcomeCoins circulation MeetnGreeters will have different opportunities to increase their total earnings undertaken certain actions.

In the B2B2C segment MeetnGreetMe aims to complement travel and hospitality industry by bringing personalized approach to travelers’ needs. Hotels, airlines, cruise lines, accommodation platforms are among those businesses, whose customers can benefit from MeetnGreetMe service. Every partnership has its peculiarities and can become an additional source of earnings for MeetnGreetMe.  

In the B2B segment MeetnGreetMe will be ready to provide its platform for placing the targeted advertisements at a highly competitive price. In relations with vendors MeetnGreetMe will seek for additional value for its community from each vendor rather than earning a vendor fee.  

The earnings received are and will be dedicated to covering operational costs and refilling the community development reserve via WELs buybacks.

For More Information :

Website               : https://meetngreetme.com/

Whitepaper        : here

Facebook            : https://www.facebook.com/MeetnGreetMe

Twitter                : https://twitter.com/meetngreetme

Telegram            : https://t.me/meetngreetme
Get Your Token : https://ico.meetngreetme.com/get-your-tokens.html

Profile Bitcointalk : https://bitcointalk.org/index.php?action=profile;u=1210304

BitDegree : Revolutionizing Global Education with Blockchain

The world's first blockchain-powered online education platform with token scholarships & tech talent acquisition.

The BitDegree platform will offer students the best online courses with a clear and transparent blockchain based reward system and achievement tracking. It is also a unique tool for businesses to recruit tech talent and shape global education to their needs. Think of it as Coursera and HackerRank merged together, powered by the decentralized blockchain technology.

SCOPE OF THE PROBLEM

When we first started to analyze reasons behind and difficulties of hiring tech talent, we looked for

possible solutions and then wondered who else would benefit from the approach in which we would

take to address the problem. We then incorporated those parties to synthesize new problem scope

and tried to find the solution to newly defined problem. As in any of those exploratory endeavors,

one must not forget to limit the problem scope to minimum, and to look for solutions providing

maximum benefits to parties involved. We settled on a very small group of parties that are benefiting

greatly from synergetic solution.

1. Employers looking for tech talent 
2. Service provider looking for educated customers
3. People seeking knowledge and digital economy based employment
4. Synthesis of the problem worth solving

BITDEGREE: IT IS ALL ABOUT EDUCATION

We are proposing a digital incentivized studying platform as a new tool to grow the global tech talent

pool. Companies in need oftech talent will provide financial incentives to students willing to participate in training courses and to develop their skills. Companies seeking to get people familiar with newly introduced technology or services, will provide financial incentives to students willing to spend time to learn and to try the company’s offerings. By providing incentives, any company explicitly signals the demand for certain qualifications, or informs about knowledge and skills needed to effectively use newly introduced technology/products/services. People looking for new opportunities will learn new technologies, develop practical skills in demand, and get familiar with existing technological solutions provided by solution providers. Job seekers will enroll to subsidized courses to get more knowledge and to develop skills within selected technology topic. The course materials and learning process will be made interactive and in a highly engaging way by following field-proven gamification methods. Students will be able to communicate with other students and course mentors, to pose questions, and seek for more detailed explanations. All course material and progress assessment will be divided to small chunks in order to enable short-term effort in the reward cycle. In addition to subsidized course material, each student showing learning progress will be rewarded with platform Tokens. Companies providing incentives will be able to get in touch with students enrolled in subsidized courses, and possibly offer employment positions for good performers. Companies, offering to accept Tokens for services, will allow students to deepen newly acquired skills, while using commercial services offerings. Students will also be able to exchange Tokens on exchange platforms. The BitDegree platform will register progress of each student, and will provide ways the students can prove they overcome the challenge of developing and applying skills to solve problems. BitDegree will rely on Ethereum platform to enable incentives scheme and to store transparent record of all achievements made by students

 The proposed BitDegree education model

TOKEN CYCLE AND BENEFITS TO PARTIES INVOLVED

Token Flow

Sponsors are the main economic fuel for sustainable BitDegree economy. The economic incentive

for Sponsors to buy BitDegree tokens is the targeted platform for the employer branding and

recruitment of tech talent. Corporate and private employers, HR companies, government and nongovernment organizations, other talent acquisition and talent growth structures/agents will be buying tokens to initiate, fund and create courses, establish scholarships and other rewards targeting exact topics and areas of study. For the spent tokens, Sponsors will be able find, train and recruit talent. Digital service providers, who want to familiarize users with their products, would buy tokens to sponsor the students willing to spend time to learn the products offered. By providing sponsorship

to BitDegree platform and accepting BitDegree tokens IAAS/SAAS and other digital service providers will be able to attract freshly minted technology power users. The BitDegree platform will spend tokens to incentivize students, content providers, assessors, mentors and to cover marketing and other operational expenses.

Content providers, assessors and mentors will receive compensation (in a form of tokens) for their

contributions to the platform and for helping to organize educational process. We anticipate most of

the compensations received will be sold in token markets.

People looking for new opportunities or jobs will study on the platform. Students will receive tokens

as rewards for choosing to study topics in demand and for continuing to show learning progress in a form of tokens. Good performers are likely to receive offers to join sponsoring companies. Students

may also accept offers to familiarize themselves with services provided by digital service providers

for a fee (in a form of tokens). Students will be exchanging tokens for the services and products of

digital service providers, spend tokens on the BitDegree.org platform (for premium or non-sponsored

courses, funding of courses on topics of interest, etc.) and exchange tokens to fiat on token markets.

The amount spent by a U.S. company to fill an open position approaches 4,000 USD and the entire

recruitment market is over 200 billion USD worldwide. We do not doubt the fungibility of t h e

BitDegree Token.

For More Information :

Website         : https://www.bitdegree.org/en/token#top

Whitepaper  : https://www.bitdegree.org/white-paper.pdf

Facebook      : https://www.facebook.com/bitdegree.org

Telegram       : https://t.me/bitdegree

Profile Bitcointalk : https://bitcointalk.org/index.php?action=profile;u=1210304

MoyaNetwork : Bringing Data to Africa at the Speed of Light

The  internet’s  largest  and  most  important —and  yet  unsung —champions  are  the privately  owned  submarine  cables  that  orbit  the  Earth.  Land  links  between  cities  and cables  that  run  alongside  roads  and  into  houses  and  offices  arecertainly  impressive —and without them we wouldn’t have aninternet! —but sinking a cable into the Atlantic, Pacific, Indian, and even Arctic Oceans requires a billion-dollar logistical feat that requires years to enact.

Submarine cables are just three inches thick, carry just a few optic fibers, and have total capacities of between 40Gbps and 10Tbps, and latencies that are close to the speed of light and just a few milliseconds in duration. To get from Johannesburgto Beijing, packets can  traverse  Europe,  the  Mediterranean,  the  Red  Sea,  the  Arabian  Sea,  the  Indian Ocean,  and  finally  the  South  China  Sea —or  they  can  hop  across  the  Atlantic,  the entirety  of  continental  North  America,  and  then  long  haul over  the  Pacific.These  cables shouldn’t  run  out  of  capacity  any  time  soon,  we’re  already  at  the  stage  where  we  can send 100Gbps over a single fiber, and graphene optical switches should expand the total capacity of submarine  cables (and  the  terminating routers) into thepetabit-and exabit-per-second range.----Sebastian Anthony: The secret world of submarine cables

Who Is MOYA ?

Company

Moya  has  a  proven  track  record of  developing  new  partnership  opportunities  as  well  as adding  value  to  its  partner’s  businesses.  Moya’s  founders  are  seasoned Pan-African  ICT professionals,  experienced  in  developing  and  managing  ICT  companies  that  deliver enhanced  returns  while  underpinning  Continental  development.  Providing  services  for over  9  years,  serving  the  data  communications  needs  of  carriers,  mobile  companies, marketing  operators  and  government  clients  across  Africa,  Moya  partners  with  existing Government   and   Private  Telecommunications   Companies   bringing   its   substantial experience to deploy telecommunications services in Africa.

Moya's list achievements for their Partners includes developing systems and procedures to provide  access  to  the  WACs  Submarine  Cable  Capacity  through  its  partnership  with Broadband  Infraco  in  West  and  Southern  Africa.  Developing  systems  and  procedures  to provide  access  to  the  Africa  Coast  to  Europe  Submarine  Cable  System  in  West  Africa. Moya will provide access to ACE Submarine Cable Capacity through its partnership with ACE members in Southern Africa.

Problem

The  low  Datapenetration  rate  in  Southern  Africa  compared  to  levels  elsewhere  clearly indicates the  pent-up demand  for broadband  connectivity. ACE’s entry  into the SouthernAfrican market is vital to meet this demand. Africa’s Internet capacity requirements have exploded  over  the  last  decade.  Applications  such  as  Facebook,  Skype  and  Mobile Money have fueled the rapid increase in customer data demand in Africa.

Currently,  there  is  little  price  transparency  within  the  Southern  African  wholesale  markets targeted  by  Moya  primarily  due  to  the  lack  of  competition.  Cables  such  as  SAT-3  and WACs until recently have held unchallenged market positions, which has resulted in data pricesthat  are  between  10  to  20  times  more  expensive  than  those  in  markets  outside  of Africa.  Market  research  carried  out  on  behalf  of  Moya  currently  estimates  the  cost  of  a single  STM-1  for  international  connectivity  to  Africa  to  be  US$115,000  per  month.  The current  market  price  for  satellite  access  to  Africa  is  between  US$4,000  and  US$8,000  per Mbps per month.

Solution

Moya  has  several  contracts  in  place  for  the  supply  of  submarine  and  terrestrial  cable capacity.  Using  submarine  capacity  contractually  obtained  from  ACE  and  terrestrial capacity obtained from Broadband Infraco (BBI). Moya will offer a range of lower priced world  class  Synchronous  Digital  Hierarchy  (“SDH”)  and  Internet  Protocol  (“IP”)  network transport  services  that  are  designed  to  meet  the  needs  of  a  wide  range  of  African Internet  Service  Providers  (ISP’s),international  carriers,  content  providers,  large  multi-national businesses and governments. 

The   Moya   product  portfoliowill  focus  on   the  ISP  and   carriercommunity   and  offer enterprise class services for sale directly and through partner channels. Moya haspresold the  full  range  of traffic  type  capacities,  including  voice,  video,  data  and  Internet  to customers. 

Submarine Cable Technology

Submarine  cables  can  have  total  lengths  over  21,000  km  (13,000  miles),  terabits  of information move from one side of the planet toanother. Submarine cables are just three inches  thick,  carry  just  a  few  optic  fibers,  and  have  total  capacities  of  between  40Gbps and 10Tbps, and latencies that are close to the speed of light and just a few milliseconds in  duration.  As  far  as  laying  a  submarine  cable,  specialized  cable-laying  ships  must  be used —andwhen  a  cable  is  broken  (usually  by  a  trawler,  another  special  ship  must  be used.  This  generally  means  that  laying  a  cable  is  logistically  challenging  and  very expensive.

ACE  deploys  thelatest  fiber  optic  technologydeveloped  by  Alcatel-Lucent.  Fiber  optic offers better high-speed broadband internet quality than satellite and at alower cost. The ACE cable will extend over17,000 kmfrom Penmarch in Brittany, France, to Cape Town in South Africa, at depths close to6,000 meters below sea level.

Itswavelength-division  multiplexing  (WDM)  technology  makes  it  possible  to  increase  its capacity  according  to  various  needs  and  to  the  latest  technological  improvements  by upgrading station equipment without any submarine cable modifications. With apotential capacity of 12.1 Tbps made possible by the new 100 Gbpstechnology, ACE will be able to evolve with new technological developments using regularupgrades. The ACE system will also facilitate connectivity with terrestrial fiber optic cables.

Moya's  backhaul  network  (to  transport  the  capacity  from  the  beach  landing  Inland)  will also  utilize  the  fibre  of  a  number  of  Southern  African  terrestrial  fibre  providers.  Moya’s terrestrial backhaul  network  will  cover  all  nine  provinces, major  cities  and towns of South Africa  and  will  extendto  provide  fibre  connectivity  to  Botswana,  Lesotho,  Mozambique, Namibia,   Swaziland   and   Zimbabwe.   The   backhaul   network   is   based   on   variety   of technology  portfolios,  including  Synchronous  Digital  Hierarchy  (SDH),  Dense  Wavelength Division Multiplexing (DWDM) or Optical Transport Network (OTN) and Carrier Ethernet.

Token Sale

Moya Token (MTK) issuance will fund the purchase of ACE submarine cable capacity, terrestrial fibre capacity and the operations of Moya.

Moya Token ownership will entitle the holder the right to receive 20% of Moya's profit on an annual basis, proportional to the number of tokens owned.

Start date: 15th Nov 2017 12:00 GMT

End date: 16th Jan 2018 12:00 GMT

Distribution cap: 100 million MTK

Accepted currencies: BTC, ETH

Token exchange rate: 0.04 BTC / 1 ETH = 1,000 MTK

Amount of tokens per person: unlimited 

Minimum transaction amount: 0.0012 BTC / 0.03 ETH

Maximum transaction amount: unlimited 

Week 1 - 2: 30% bonus

Week 3 - 4: 20% bonus

Week 5 - 6: 15% bonus

Week 7 - 8: 10% bonus

https://token-sale.moyanetworks.com/

For More Information :

Website       : https://moyanetworks.com/

Whitepaper : https://app.box.com/s/gojspns4vru0jtmf9oicnsm61uvbzwlr

My Bitcointalk Profile : https://bitcointalk.org/index.php?action=profile;u=1210304

CAVIAR : Crypto and Real Estate in One Token

Caviar provides instant diversification with real estate debt and cryptocurrencies, powered by an algorithmic model and profit sharing in ETH

Caviar is the first to offer digital assets and real estate in a single cryptographic token available on the Ethereum blockchain. Our mission is to provide token holders with a diversified, risk adjusted, data-driven portfolio with exposure to both stable real estate and select cryptocurrencies and crypto-assets, maximizing return on investment while hedging against markets downturns. Caviar Platform brings utility to Caviar token holders, enabling real estate developers to raise money for projects using a crowdfunding mechanism, while providing Caviar token holders and the underlying fund an opportunity to participate in projects and earn interest.

Caviar will issue tokens in a one-time token sale event, and will invest in fast appreciating crypto-assets and crypto-currencies, allowing investors to capitalize on the high upside of digital currency markets, while achieving diversification and profit sharing from a less volatile and more traditional income-producing short term loan portfolio secured by real estate in the United States and other countries.

Investment Thesis

Caviar seeks to reduce investment volatility  (“beta”) while capturing higher than average rates of return (“alpha”). Caviar will achieve these goals by combining investments in fast-appreciating crypto-assets with income-generating short-term loans, backed by real estate in the United States.  By re-allocating funds between crypto and real estate markets, Caviar aims to provide income and growth via dual market exposure in a single token.

" Diversification of cryptocurrency investments is difficult because most assets are highly correlated. Caviar aims to solve this by providing exposure to fast growing crypto-assets and income producing USA-based real estate in a single token – minimizing risk and maximizing returns in both asset classes "

– Alex Shvayetsky, Partner, Caviar

BUSINESS MODEL

Caviar has developed a proprietary, data driven, dual purpose investment model to capture growth from fast appreciating cryptocurrencies and crypto-assets, while providing exposure to income generating U.S. real estate.

- ADVANTAGES

The rise of blockchain markets produced a number of funds that invest in cryptocurrencies and assets. Some of these funds offer their investors profit-sharing options and promise diversification by keeping a portion of their assets in Bitcoins. However, in highly volatile crypto-markets, monthly or quarterly profits are not guaranteed. Although Bitcoin is arguably the least volatile and most liquid crypto-currency today, it is still part of the same asset class and is prone to volatility. 

Caviar provides investors with an opportunity to diversify their portfolios beyond cryptocurrencies

and tokens via the fund’s exposure to lower-risk real estate markets. Caviar is in a unique position to be able to shift funds from crypto-markets to real estate and vice versa in order to modify allocation, maximize returns and minimize risk. Caviar’s business model takes a more balanced approach to investing through a combination of fast-appreciating crypto-assets and stable income-producing real estate. This is a proven systematic method for achieving growth and income via dual market exposure in a single token.

- CRYPTO INVESTMENT ACTIVITIES

Through strong fundamental analysis and models based on a proprietary framework, Caviar will be making long term cyclical investments in fast appreciating crypto-currencies and assets with over $100m in market cap, while also investing in new, high upside projects with “real world” enablement, payments and finance, blockchain platforms, privacy and other use-cases; utilizing our proprietary Intelligent Predictive Model.

- CAVIAR INTELLIGENT PREDICTIVE MODEL (IPM)

Caviar has developed an innovative predictive model for CryptoAsset (CA) and CryptoCurrency (CC) price forecasting in both short and long term projection timescales. (Figure 1) The predictive model relies on historical data to derive linear equations relating historical prices and growth rates to historical time-variant quantities, and a mixture of time-invariant qualitative/ quantitative metrics. The derived linear equations are then weighted by characteristic R2  values.

These linear equations combined with a suite of patented logical elements are used to project the growth of a CA in comparison to that of Bitcoin (BTC).

- REAL ESTATE LENDING ACTIVITIES

A portion of Caviar’s assets will be used for lending to real estate entrepreneurs for the purposes of purchasing, improving and selling real estate assets. Past loans have been extended mostly in the Northeastern region of the United States, specifically in the state of Connecticut (CT), which is located between two major metropolitan areas -New York City and Boston. CT is a fairly small state, and is ranked #1 in the United States for per capita income of $69,311 (from BEA6 ). The state of CT is considered one of the biggest insurance hubs in the world, and is home to corporations such as Aetna, Cigna, The Hartford, as well as Xerox, Sikorski, and many others. Caviar already has a strong presence, business network and connections spanning the states of CT, MA and NY, and will continue to build and expand this network regionally if necessary.

The real estate market in the state of CT is very robust. There are many opportunities for Caviar’s

prospective customers to purchase, improve and resell property. According to RealtyTrac, a real estate statistics service, foreclosures in CT in June 2017 were approximately 14007, up slightly from around 1300 the same time last year. This reality points to a robust market for our partners, who are often involved in purchasing foreclosed or distressed property.

Caviar will continue to focus on lending for single and two-family homes in the Northeastern United States, with a total loan amount of under $500,000, while also expanding to other areas in US and Europe by utilizing Caviar Platform. With this model and focus on properties in the lower to middle price range, a number of advantages exist:

1. Properties in this price range sell faster

2. Higher cash re-lending results, thus increasing IRR

3. Risk profile is lower with a higher number of loans

- REAL ESTATE LENDING PROCESS

Caviar follows a strict lending process when issuing debt to its borrowers. The following criteria are used to determine each applicant’s ability to receive funding:

- REAL ESTATE LENDING PAST PERFORMANCE

333-335 GLENBROOK RD. STAMFORD, CT Stamford, CT is the third largest city in the state and the seventh largest city in New England. Conveniently located on the main branch of Metro-North’s New Haven Line, Stamford serves as a vital and vibrant business center and is home to numerous Fortune 500 companies, as well as the headquarters and research facilities of numerous major corporations. Stamford has long been considered one of the country’s most desirable cities because of its ability to offer an attractive suburban lifestyle amid a dynamic economy. This gem of a property sits on 8,100 sq. ft. lot. This 9 bedroom, 3 baths multi-family home is approximately 3,962 sq. ft., and ready to move in!

- COLLATERAL

All real estate debt provided by Caviar is secured by a personal guarantee from the borrower(s) as well as a first lien position against the real estate asset. In case of foreclosure, Caviar will repossess the real estate property, complete the construction needed to bring the project to market, list and sell the property. Unlike other lenders that only focus on the lending side of the business, Caviar has the in-house construction infrastructure to help both in underwriting the asset, and if needed, improving the asset. While some lenders end up foreclosing on bad debt and then selling the assets for pennies on the dollar, Caviar can use its in-house infrastructure to complete the deal and sell the asset for a profit. This further de-risks Caviar’s loan portfolio.

- PROFIT AND DIVIDEND DISTRIBUTION

Caviar tokens are issued on a smart contract, using the ERC20 protocol on a fully decentralized and auditable Ethereum blockchain. Quarterly profit sharing is guaranteed by a fully auditable smart contract.

Every quarter, a distribution in the form of ETH will be made via a smart contract to all Caviar token holders, representing 75% of Caviar’s net quarterly profits after management fees and operating expenses.

- REINVESTMENT / TOKEN BUYBACK

20% of net quarterly profits will be reinvested back for token value growth.

5% of net quarterly profits will be used to buy back and burn Caviar tokens to provide additional

liquidity and increase token value

CAVIAR PLATFORM

With well over 150,000 real estate assets8 being purchased for purposes of improvement and resale in the United States every year, and the ability for investors to earn hundreds of thousands, or even millions of dollars per year, this is an opportunity many are interested in embracing as a business venture of their own. So there exists a need for a community of peers, mentors and service providers to educate, disseminate information on deals, and provide peer to peer communications. This community also gives real estate developers a platform from which to raise funds for their projects. By building a community of real estate developers and entrepreneurs, Caviar will further its goals, improve its deal-flow and provide token holders with additional opportunity to earn profits.

Caviar will use part of the proceeds from the token sale to build an advanced platform that will include:

 • Community boards for education and mentorship

 • A crowdfunding platform for Caviar token holders and real estate developers

Caviar Platform will be open to anyone in the world for viewing. Participants in project funding

activities will be required to:

• Register and complete KYC/AML verification

• Have a minimum required balance of CAV tokens in their wallets

Caviar has a strong network and footprint in USA and will start accepting US-based real estate projects only. This will be followed by EU countries that have the highest demand for short term real estate financing.

To list projects on Caviar platform developers will be required to:

• Register and complete KYC/AML verification

• Submit detailed information about the project, including:

   » Project details (location, estimated before and after value)

   » Requested loan amount

   » Loan term length (up to 12 months)

   » Annual/Monthly interest

   » Detailed description of improvements, including number of stages for work

      completion and draw amounts requested for each stage of the project (if applicable)

   » Accepted payment (BTC, ETH, CAV, USD)

• Pay a one-time listing & pre-screening fee

Caviar will conduct full due diligence of every property, including but not limited to:

• Review of documentation

• Title search

• Price verification

• Budget review

• On-site property inspection by a Caviar partner

TOKEN GENERATING EVENT

Goal Raise Amount             $25 million

Token Type                          ERC20, Ethereum Blockchain

Maximum token supply       375,000,000

Price per token                     $0.10

Bonuses:

Days 1 - 3 15%

Days 4 - 6 12.5%

Days 7 - 9 10%

Days 10 - 12 7.5%

Presale Minimum                   $500

Presale Discount                    Up to 30%

Pre-Sale Period                      December 1 - December 7

Crowd Sale Period                 December 12 - January 31

Token Issuance                      Within 30 days of token generating event

Vesting Period for Partners    6 months

https://tokensale.caviar.io/user/register

FOR MORE INFORMATION :

Website        : https://www.caviar.io/

Whitepaper  : https://s3.amazonaws.com/caviar-presentations/CaviarWhitepaper.pdf

Telegram      : https://t.me/caviar0x

Twitter         : https://twitter.com/caviar0x

My Bitcointalk Profile : https://bitcointalk.org/index.php?action=profile;u=1210304

PayPro : The First Decentralized Bank

When Bitcoin emerged as an alternative to the current pyramid-shape payment network, it amazed everybody within the industry by promising a new decentralized payment network. It was called the second internet revolution. However, Blockchain was still getting discovered.

With the raise of Ethereum, we discovered that Blockchain is not only meant to change the current payment network but also to change our entire eco-system. The same principles of Blockchain can be applied to property ownership, digital identity, supply chain, insurance or clinical trials, for instance. From my perspective, this new understanding of how Blockchain can be used thanks to Smart Contracts will be the starting point of creating a Digital Legal System.

This new paradigm is going to create new needs that are going to be looking for new solutions. At PayPro, we strongly believe that this future is very close and thus, we want to position ourselves in the front line by delivering a solution that will ease the switch from the old to the new paradigm.

We have made this white paper to share with you how we believe we will achieve this.

What is PayPro ?

PayPro is a decentralized bank made for dealing with a new eco-system where value is represented in new forms thanks to Smart Contracts. Thus, PayPro is a decentralized financial-marketplace where any dApp can post its services. We are also developing a Wallet where users will be able to store crypto-currencies and any ERC-20 token.

After we have built PayPro, a user will be capable of storing ETH, BTC or GAS, for instance, and use the marketplace for investing in a crowdfunding platform, for instance. Likewise, the shares received from that investment in the form of tokens, will be also stored at PayPro. As a result of that, all the crypto-assets and liabilities of an individual will be represented in PayPro.

Decentralized application

PayPro’s marketplace will be built as a decentralized application, also known as dApp. According to David Jonhston, a dApp must meet some criteria in order to be considered as such:

• The application must be developed open-source, it has to operate autonomously and the majority of tokens can not be controlled by an entity. Also, proposed improvements and market feedback may be adapted in the protocol.

• In order to access the application and to reward any contribution of value from miners or contributors, a cryptographic token is necessary.

• Tokens must be generated as proof of the value generated to the application.

• A decentralized Blockchain must be used to store data and records of operation in order to avoid any central point of failure.

The Product

We understand that the core functionality of PayPro has to be its capacity to store currency-value and spend it. Otherwise there is no point of storing value if it can not be used. For that reason, we have built the banking platform first.

Wallet

PayPro will accept most forms of crypto-currencies. Using Ethereum will allow users to store at least the 100 most used currencies by transaction volume per day. Of course, PayPro Token will be our main currency and will be easily exchanged with any other currency.

So far, we have developed an iOS app that allows to store BTC, but this is just a proof of concept made for user experience purposes. You can download it on the AppStore here: https://itunes.apple.com/us/app/paypro/id1225181484?l=ca&ls=1&mt=8

On the one hand, users will be capable of using their PayPro Tokens, also known as PYPs, for buying any service in the marketplace. These services will range from loans or credits to investments. Once the user will have spent its PYPs, a token will be received and stored on the application as a result of using a Smart Contract. For instance, if a user wants to invest in a crowdfunding platform, he can browse for crowdfunding platforms, select a campaign, pay in PYPs and store the token received in exchange on PayPro.

On the other hand, suppliers can submit their services to the marketplace. By using smart contracts, we can ensure that all transactions are made in a secure and efficient way. All suppliers will be rated by the users so the best suppliers can be recommended and the worst can be ruled out. By implementing this rating system we can avoid centralization and thus guarantee that services are client-focused and not the otherwise.

Decentralized Application

Management of the dApp

We strongly believe that PayPro can not have any right of ownership over the dApp. Otherwise, the essence of what a dApp would be broken.

Out of 100% of the issued tokens, we are only distributing 40% of them on this ICO. Although we have been asked about the possibility of burning the remaining tokens, we believe that would bring the platform to be led by token holders who might not be prioritizing our long-term goals but mere speculation. As David Jonhston suggests, the ownership of a dApp become less and less centralized after having distributed its tokens via fund-raising and collaboration.

Following Jonhston’s scope, the ownership of the dApp is distributed furtheras participants with more diverse skills are incentivized to make valuable contributions. Also, those who value the tokens the most are being transferred with them through market forces. This ultimately promote even further the development of the dApp by those individuals who can help the most in the areas that they have expertise. Therefore, we understand that our duty is to progressively release the decision power not only when PayPro needs funds, but also as long as the community gets prepared to it.

Token Sale Summary

Name                                PayPro Token

Symbol                             PYP

Pre-sale period                January 8th to January 15th, 2017

Pre-sale terms                  Min investment of 15 ETH

Pre-sale bonus                 Bonus of up to 35%

Main Sale period             January 15th to January 31st

Main sale terms               Min investment of 0.5 ETH

Main sale bonus              1st 24 hours 20%

                                          1st week 15%

                                          2nd week 10%

Exchange rate                  1 ETH : 500 PYP

Limits                               20,000 ETH (Hard Cap) or EUR 5,000,000.00

                                          depending on exchange rate.

Accepted currencies        ETH only

Token holder benefits      Decision & Economic rights.

% of Token sold               40%

Nationality                       Anyone except Singapore, Estonia and the US due to legal restrictions or                                               countries trade sanctioned by the US.

Team

For More Information :

Website        : http://www.payproapp.com/
Ann Thread : https://bitcointalk.org/index.php?topic=2460780
Whitepaper : https://drive.google.com/file/d/1hKog8eUF8Jxhh7kCBNYQTOwOr5RdVMqX/view
Facebook     : https://web.facebook.com/thepaypro?_rdc=3&_rdr
Twitter         : https://twitter.com/thepaypro

My Bitcointalk Profile : https://bitcointalk.org/index.php?action=profile;u=1210304

LALA World

About LALA World

Global Wallet, Local Partnerships
LALA World (“LALA”) is all about migrants and their unbanked families. Its an ECOSYSTEM enabled by the LALA Wallet as a PLATFORM, a single sign on platform revolving around their issues and problems. Employment issues, digital ID’s, communities build up, government and NGO partnerships, health issues, and of course, a new financial ecosystem for the huge underbanked population by capitalizing the Blockchain revolution to bridge the gap between cash, digital and the crypto world.

By creating a whole new peer to peer ecosystem, LALA aims to revolutionize the way individuals, small businesses and micro-entrepreneurs transact, make payments, borrow money and associated products like insurances, domestic and Cross-Border remittances, cards and other general banking products.

LALA World Products

LALA is an ecosystem consisting of 5 major products

LALA Transfer

A Peer-to-Peer local and global remittance backed by crypto as well as fiat

LALA Bill Pay

Local and International bill payments for you and your family

LALA Lends

Domestic and International peer to peer lending via crypto and fiat, individual and small businesses

LALA Card

Crypto and Fiat card synced to your Wallet and usable at millions of PoS globally

LALA Kit

Contains a mobile phone with pre-loaded LALA Wallet, LALA Insurance, LALA Card, Partners' products etc.

LALA TECHNOLOGY AND MVP

Blockchain is a really good, resilient system. The interesting thing about bitcoin is

since its inception, no one’s cracked it. Yet it’s completely in the open.

-Alex Batlin

To implement a seamless Blockchain technology, LALA team has been constantly sticking to some core principles and the real pain it is trying to solve for the unbanked. We have come to certain basic conclusions based on the geographies we intend to cover and the products we want to offer. There are some rudimentary issues in financial inclusion of these underprivileged populace that has to be solved by a mix of traditional cash, existing agent networks and advanced but seamless technology.

Few key areas that we have considered while building the tech:

1. Cash is still the dominant medium of exchange in these areas
2. Third party intermediaries and brokers are expensive
3. Peer to Peer is the road we want to eventually take for all LALA products
4. Smart contracts can be used to automate and create trust between participants
5. Exchange of value should be fast and efficient
6. There has to be a medium for store of value as well
7. Most of this population do not understand crypto, how it works and think it is agnostic

DESIGN AND APPROACH 

Most LALA Wallet users have smartphones but cannot afford expensive machines. Blockchain is maturing and reaching to a stage where there is currently a need for a single class, secure strong governance (decentralized) value exchange that uses maximum distributed computing so it is efficient and scales to millions of transactions per second when powered/powering billions of devices (single class of machines) while maximizing security and minimizing transaction fees (to almost zero). To achieve this, we are focussing on the following stack of technologies:

To achieve this, our base technology has to be very strong and we have studied various Blockchain platforms like Ethereum, Hyperledger and Bitshares, To make LALA World scalable we are looking at various off-chain solutions like raiden, Ethereum’s Lightning Network and Plasma, but they are all still in nascent stages and still testing.

We have tested and used Bitshares in the past. It’s a great technology pegged to all 180+ countries via USD, but uses Graphene and Graphene was hard to stabilise and continued freezing. For several other reasons we are staying clear for now.

DEVELOPMENT ROADMAP

We have a clear path to our vision and we have prepared a development roadmap for our technology. Our team prefers a staged approach which means that each stage will have its deliverables:

Stage 1. We are launching a basic version of LALA Wallet in Malaysia and India by first week of November. An initial POC with two products will be released by November as well, just in time for this Pre-ICO. The System will be working on Ethereum Testnet blockchain with real user data. This will help us prepare smart contracts and get feedback from the community, real users and make sure that this solution is viable.

Stage 2. LALA Alpha platform will be deployed on Ethereum Mainnet blockchain. Client onboarding via LALA ID, feedback gathering and improvement. Preparation for beta. This should happen by January 2018 in India, Malaysia, Bangladesh, Vietnam, Turkey & UAE.

Stage 3. A full working product will be ready by February 2018 with a fully functioning backend server with telematics integrations for real customer data gathering and prediction. This will include a Fiat Wallet, Cross border remittance and P2P lending to begin with.

Stage 4. LALA Beta. Fully functioning platform with key features in place to be released by March 2018 and open to selected group of geographies and customers. We are looking at over 10 Countries right now as depicted on the partnership page.

Stage 5. LALA 1.0. Opening system for public usage and enabling massive adoption across geographies will happen by April 2018

Stage 6. Further development to increase amount of transactions usability and throughput of the platform.

LALA INITIAL COIN OFFERING

LALA Token is an ERC20 loyalty token, also referred to as utility token, with the functionalities as described in this Whitepaper. The funds raised in the initial coin offering ("ICO") will be used to further scale the platform, expand in more countries, assistance for local communities to build, investments in a small LALA Fund for the migrants, unbanked and hire more people on technology and business development. This is further detailed in next section.

We would like to highlight that LALA Token does not constitute a security in any form in any jurisdictions, and this Whitepaper is not a solicitation of investment and does not relate to any form of an offering of securities in any jurisdiction. Please read the Important Notice at the end of this Whitepaper for further clarifications.

1. HIGHLIGHTS OF LALA ICO•1 ETH will buy 1000 LALA Tokens.

• There is a minimum purchase amount of 100 LALA Tokens or 0.1ETH per purchase.
• Pre-ICO sales period will be from 25 November 2017 at 9 PM (Singapore time) to 15December 2017 at 9 PM (Singapore time). LALA reserves the right to revise and amend the Pre-ICO sales period at its sole and absolute discretion.
• Feedback & review period will be from 16th to 31st December 2017. This will include feedback, implementation, launches in a few countries, numerous partnerships, testing and other significant news in various countries
• ICO sales period will be from 5 of January 2018 at 9 PM (Singapore time) to 5 February 2018 at 9 PM (Singapore time).
• US Dollars, Ether, BTC, and other cryptocurrencies as determined by LALA can be used to purchase LALA Tokens. Further details can be found at www.lalaworld.io

2. LALA TOKENS CREATION, RESERVES AND BREAKDOWN

LALA intends to raise 150,000 ETH from the pre-ICO and the ICO for further expansion,

development and other growth activities. That is a total of 150 million LALA Tokens to be

distributed to purchasers during the pre-ICO and the ICO.

LALA will create a further 100 million LALA Tokens for a total of 250 million LALA Tokens

(“Total Tokens Created”), subject to other features of LALA World.

Distribution of the Total Tokens Created will be as follows:

• 60% of the Total Tokens Created will be sold during the pre-ICO and the ICO period.
• 15% of Total Tokens Created will be allocated to LALA founders, early investors, technology teams, existing and future employees of LALA, and held in a pro-rata lock-in contract for at least 6 months
• 10% of Total Tokens Created during the ICO will be granted to advisors, consultants, community developers and will be locked in a pro-rata smart contract for 6 months, unless specifically agreed beforehand.
• 15% of the Total Tokens Created will be credited to the reserve. This reserve may be used for future token sale or other purposes as LALA in its sole and absolute discretion may determine.

The reserved LALA Tokens may be used for the activities below, if LALA deems

necessary:

1. Establishing research labs in cooperation with high profile universities across geographies for betterment of local communities.
2. Creating tutorials and educational materials for LALA network and developers using different Blockchains such as Ethereum and Bitcoin.
3. Organizing events and conferences to raise the awareness of the LALA network technology and facilitate market adoption.

Distribution of LALA Tokens will start within 30 days after the end of the ICO and trading should ideally commence on Q1 of 2018 when holders of LALA Tokens can start trading and transferring their LALA Tokens.

Therefore,

For More Detail :

Website        : https://lalaworld.io/
Whitepaper : https://lalaworld.io/whitepaper.pdf
Facebook     : https://www.facebook.com/MyLaLaWorld/
Telegram     : https://t.me/LaLaWorld

My Bitcointalk Profile : https://bitcointalk.org/index.php?action=profile;u=1210304