Cryptobank for Cryptopeople

Revolutionary digital cryptobank with credit subtoken and open platform

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October, 31st / 10:00:00 (UTC-4)
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Founders about Crypterium Banking

Founders about
Crypterium Banking
Revolution

Cryptobank available for everyone

In 8 years’ time cryptoeconomy will exceed 10 trillion dollars. Cryptobanks will become a cornerstone in the relations between decentralized economy and future daily life by expanding payment infrastructure and possibilities, making new cryptocurrency payments scenarios and lowering interest rates. Crypterium is a cryptobank creating such future, today.

Worldwide

200 000 000

potential clients

8x

up to 8x lower
transaction costs

No Borders

for international payments

100x

transaction speed
up to 100x higher

500

billion USD — expected revenue
of cryptobanks by 2025

Our core

Leading Cryptobank
for the Cryptoeconomy

Crypterium's goal is to provide a complete vertically integrated service that encompasses the best ideas from the entire community of the world's best blockchain enthusiasts.
C

Mobile Cryptobank

Instant cryptocurrency payments

Loyalty programs and cashback

Contactless payments without limits via NFC, QR, ApplePay, AndroidPay

Cryptocurrency Acquiring

Solutions for every sphere of retail trade and services

Native integrations with POS software

Crypto-to-fiat settlements

OpenAPI Platform

AppStore for retail cryptocurrency software and solutions

Own decentralized server infrastructure

Third-party integrations – Easy!

Credit Token Exchange

No borders in financial operations

Native integrations with current scoring systems

Exchange and trading derivatives

Presentation
  • Smart Contract Wallet
  • PSI-DSS Certification
  • Manageable Limits (daily, single)
  • Multisig Wallet
  • Real-time Fraud Monitoring
  • Technical and Financial Audit

Solutions

Crypterium is a contactless cryptobank for everyone

Cryptocurrency or token payments in 42 million
shops anywhere in the world
  • No need for currency exchanges at all. Instant payments
    in fiat money or cryptocurrencies internationally
  • Opportunity to issue a virtual card
    American Express, VISA, MasterCard, Union Pay
  • Integration with third-party payment wallets or services
    (PayPal, Gyft, WeChat, Alipay, PayTM)
  • Loyalty programs and cashback from every transaction,
    increased cashback for token holders
  • Instant loans and multicurrency credit line
  • Focus on contactless payments – ApplePay, SamsungPay,
    AndroidPay, QR code
    mechanics and many others
  • 24-hour customer multilingual support team
Virtual card issuing
NFC VISA Payment
NFC VISA Payment
QR Payments
QR Payments

POS

Cryptocurrency acquiring solution for merchants

  • Integrations with main POS software: R-keeper, Inpass, Cegid, Amber
  • Ready-to-use solutions for e-commerce platforms and site builders
  • Cloud based software for accounting and closing entries
  • Opportunity to receive payments in fiat money or cryptocurrency
  • In-built marketing platform and solutions for automatic loyalty programs
  • 18 unique solution for every sphere of retail trade and services:
    SMB, street-retail, HoReCa, e-commerce, transport sphere, vending,
    parking and others
Crypterium payments cases
Shop
Online store
Street retail
Restaurant
Parking

Shop

1
Open Crypterium
mobile bank app
2
Scan th QR-code
3
Confirm your
purchase
  • Cashback is higher — up to 50%
  • Security of personal and payment information
  • Loyalty and bonus mechanics

Online store

1
Open Crypterium
mobile bank app
2
Scan th QR-code
3
Confirm your
purchase
  • No need for registration of authorization on site
  • Security of personal and payment information
  • No need to fill up delivery or purchase details forms
  • Purchase process is faster up to 10x times

Street retail

1
Open Crypterium
mobile bank app
2
Scan th QR-code
3
Confirm your
purchase
  • Cashless contactless payments available
    even for street kiosks
  • Faster and safer payment

Restaurant

1
Open Crypterium
mobile bank app
2
Scan th QR-code
3
Confirm your
purchase
  • No need to ask a waiter to pay
  • Faster and more convenient payments

Restaurant

1
Open Crypterium
mobile bank app
2
Scan th QR-code
3
Confirm your
purchase
  • Pay for your parking while you stay inside the car
  • Get cashback for your parking or transport expenses
Credit subtoken

Technology of blockchain based credit system

Credit subtoken (CRPT:CRED) gives the opportunity to create full-fledged banking structure
and interest interactions based on the blockchain.

1.Credit

A customer obtains a Crypterium Credit Currency Loan, CRPT:CRED, underpinned by a smart contract that takes account of that customer's unique credit rating and in turn applies a customer specific interest rates and conditions (which may or many not include collateral).

2.Exchange

The customer then converts the loan into a currency of his choice on a dedicated currency exchange within Crypterium. This is done seamlessly within Crypterium at the request of the customer.

3.100% Guarantee

Liquidity is guaranteed by Crypterium which will use its capital to reduce volatility and adjust interest rates. The credit itself may also be tracked to a world currency index to avoid sharp fluctuations.

4.Repurchase

At the end of the loan period, the borrower must repay in CRPT:CRED including interest, purchasing the cryptocurrency from the CRPT:CRED Currency Exchange

5.Payback

The Borrower has now completed his repayment obligations and has amended his credit score for future loan requests

6.Demand

The cycle of crypto to fiat and back again, creates an inherent need Crypterium based services and ultimately an enhanced demand for CRPT:CRED

Credit subtoken is a new standart
of cryptocredit based on the blockchain

  • The first subtoken with secured liquidity
  • Owners of credit subtokens receive income much higher than on average market
  • Decentralized storage of the reputation of borrowers in smart contracts
  • Opportunity to use CRPT:CRED by other cryptobanks

Crypterium OpenAPI — A banking platform that enables developer solutions for the decentralised economy

  • Modular structure enabling easy implementation for different softwares
  • Advanced payment and processing technologies, fine-tuned
    from more than 3 years of development testing
  • Unified AppStore for retail cryptocurrency solutions
    with Crypterium products audience
  • ‘Sandbox’ for early stage development
    and debugging software
  • Opportunity to deploy developed software and services
    on a decentralized Crypterium server infrastructure
Learn more

Tokenholders benefits

CRPT Token Properties

0.5%
From every customer payment made via the Crypterium Cryptobank , a small transaction charge of 0.5% will be applied to that user payment which in turn will automatically be used to purchase CRPT from the open market and subsequently burned – as a result constant demand for tokens is expected.
30%
30% of our transaction revenue (merchant commission) will be used to thank
our CRPT token-holders and the most active users
Bronze 5%
No necessary
ownership amount
Silver 10%
1+ CRPT necessary ownership
amount
Gold 35%
8 000+ CRPT necessary ownership
amount
Platinum 50%
25 000+ CRPT necessary ownership
amount
Аcquired CRPT tokens are divided between existing token-holders, depending on their Crypterium bank usage.
Learn more

Our Story

2013

Contactless Payment
Technologies

First company in Eastern Europe to develop mobile payments solutions based on QR-code scanning. Raised more than $1m in investments during round A.
2015

Universal tool
for daily payments

More than 300 integrations with the most popular e-commerce retail services delivering universal payment application for most common daily needs. Successfully raised $7m during round B.
2017

Interbanking direct
payment protocol

Creation of a Direct debit protocol that is key to ensuring payment processes can be applied with virtually zero fees, enabling users to focus on their payment experience and rewards.
2018

Mobile Cryptobank

Cryptocurrencies effectively enable users to make international low cost secure transactions. Mobile cryptobank maintains the best payment experience and enriches it with a wide range of practical features.
See our roadmap
2020

Cryptocurencies Ecosystem

Drivers required for the cryptoeconomy to emerge as the standard for those things that can not be developed out of the current box and which require dedicated technology solutions.
See our roadmap

Road map

The achievement of all goals is laid out in this roadmap. If it doesn't happen, the timeline will be slightly be adjusted.
2017
December
2018
January February March April May June July August September
Crypterium mobile bank development
Cryptoaquiring solutions
implementation. Development
CrypteriumSX technology
Crypterium OpenAPI platform development
AppStore for software
based on OpenAPI
Grants for OpenAPI
products development
Credit token protocol development, integration with scoring platforms,
setting up self-regulatory token exchange algoritms

ICO timeline

24 October 2017
Tokenholder account registration
31 October | 10:00:00
Extra bonuses
Early Sale
30 000+
Token purchase amount
+33%
Token premium
3 000+
Token purchase amount
+23%
Token premium
10 000+
Token purchase amount
+26%
Token premium
1+
Token purchase amount
+20%
Token premium
1 November — 27 November
Bonus Sale
1 November — 6 November
+20%
Token premium
1+
Token purchase amount
7 November — 13 November
+15%
Token premium
1+
Token purchase amount
14 November — 18 November
+10%
Token premium
1+
Token purchase amount
19 November — 23 November
+6%
Token premium
1+
Token purchase amount
24 November — 27 November
+3%
Token premium
1+
Token purchase amount
28 November 2017 — 13 January 2018
Token sale with no bonuses
14 January 2018 — 20 January 2018
Token allocation and destruction
of unused tokens
February 2018 — March 2018
Listing on tokens exchanges

ICO Financial Goals
And Corresponding Results

500 BTC
Crypterium
Cryptocurrency
Wallet
1 500 BTC
Crypterium
Mobile Bank
3 000 BTC
Cryptoacquiring
Solutions
6 000 BTC
Cryptopayments
Global Infrastructure
7 000 BTC
Licensed Banking
Services
8 500 BTC
OpenAPI
Platform
10 000 BTC
Complementary
Services Development
14 500 BTC
Credit Token
Technology

500 BTC Crypterium Cryptocurrency Wallet

  • Processing Center
  • Fiat-to-Crypto and vice versa instant exchanges
  • NFС payments support (only for Android devices via card emulation)
  • Integrations with third-party Cryptocurrency payment infrastructure
  • P2P transfers in fiat and crypto currencies

1 500 BTC Crypterium Mobile Bank

  • Implementation of Crypterium SX technology – lower commission on multicurrency operations
  • Native contactless payment support (Apple Pay, Samsung Pay, Android Pay and oth.)
  • Partnership with banks or financial institutions in every region of financial activities – to guarantee stability and security of settlements
  • Integrations with third-party daily financial services (subscription management, accounting and oth.)

3 000 BTC Cryptoacquiring Solutions

  • Contactless payment solutions implementation to inPOS and e-commerce cryptocurrency payments
  • Integrations with global POS software
  • Fiat money and Cryptocurrency settlement for merchants – no problems in accounting
  • Coverage of at least 5 000 POS worldwide

6 000 BTC Cryptopayments Global Infrastructure

  • Solutions for integrations cryptopayments unique mechanics in everyday expenses (transport, automated POS, street retail and oth.)
  • Lower commissions on payments and settlements for merchants
  • Marketing and bonuses platform implementation
  • Coverage of at least 25 000 POS worldwide

7 000 BTC Licensed Banking Services

  • Wealth management, brokerage accounts, private banking and retirement lanning
  • Licensing Crypterium as European bank
  • Lobbying the interests of blockchain community
  • Lower commission on all operations
  • Increase in stability, independency and security of all activities

8 500 BTC OpenAPI Platform

  • Decentralized server infrastructure
  • OpenAPI payments and transactions gates
  • Exchange integration support
  • Open processing system for corporate projects
  • Loyalty and marketing in-built systems support
  • Unified standards of operations with cryptocurrency

10 000 BTC Complementary Services Development

  • AppStore for blockchain and cryptocurrency solutions
  • AppStore for OpenAPI based products
  • In-app purchases mechanics
  • Complementary services development – escrow, hedging services, “secure” purchase, oth.
  • Platforms and services expansion
  • Integration with majority of key Cryptocurrency projects

14 500 BTC Credit Token Technology

  • Secured loans by collateral
  • Integrations with scoring platforms
  • Forming own scoring AI platform
  • Credit Token trading exchange development
  • Algorithms and mechanics for self-regulated Credit Token exchange ratesObtaining the banking license
  • Further integrations with blockchain-community projects
  • Global association of Cryptoeconomy development

Subscribe to join the cryptobank revolution

Token Structure

Distributed to community
70%
Reserved Funding
15%
Founders and Team
9%
3%
Advisors
3%
«Bounty»
campaign
Cost of 1 token CRPT:
0.0001 BTC
Term of token sale:
75 days with the possibility of an automatic early completion in pursuing the final goals of ICO
Expanded goals after start of ICO:
Impossible
Technical limitation of number
of tokens:
300 000 000
Adjustable emission:
AII unsold and unallocated tokens will bе destroyed and additional release оf tokens will not be possible
Secured ways to purchase tokens:
Bitcoin (ВТC), Ethereum (ETH), fiat payments
Lauching the listing of tokens on
the exchanges after the completion of ICO:
Not earlier than one month and not later than two months
Set start of ICO
31 October
2017
10:00:00 UTC-4

Our advisors

Keith Teare
Keith Teare
Executive Chair at Accelerated Digital Ventures
Leading figure past and present in many important companies including Archimedes Labs, Minds and Machines Inc, MedCo, EasyNet and RealNames to name just a small few, and was one of the co-founders of Techcrunch
LinkedIn
Elie Galem
Elie Galem
Chief Investment Officer at Eastmore Group
Mathematician and quantitative hedge fund CIO. Advisor to tier one projects bringing Blockchain, ICO, Digital Assets & Cryptocurrencies to Financial ecosystem, including Bancor, Legolas Exchange, and Gimli
LinkedIn
Katrina Arden
Katrina Arden
Founder of Blockchain Law Group
One of the most well-known legal consultant in blockchain sphere. Founder of Blockchain Law Group, consultant at Cryptonomos. SEC expert and legal intermediary between government authority and blockchain society. MBA, Specialization in Financial Management Distinction
LinkedIn
Fabio Tamburrano
Fabio Tamburrano
Experienced CFO, General Director and current
Board Member of Coeclerici Spa Russia
Global mining company with HQ in Milan, with a strong track record of corporate finance and investment management having learned his trade at companies such as Moody's, Deutsche Bank (VP structured products) and more recently in Russia as a board member of Minmet Financing (Swiss trading company) and Investment Director at Svyaznoy (one of Russia's largest mobile phone providers).
LinkedIn
Mike Raitsyn
Mike Raitsyn
Founder of ICObox
ICO professional
LinkedIn
Andras Kristof
Andras Kristof
CTO at Yojee, Founder and CEO
of Fembusa Terminals Pte Ltd x
The company made headlines when they unveiled Asia's first Bitcoin ATM in Singapore, the Tembusu Prime Bitcoin ATM, and founder and CTO of many groundbreaking companies in Asia.
LinkedIn

Our team

Steven Polyak
Steven Polyak
Managing Director, Co-founder
Highly experienced investment banker with main
focus of interest on USA and Russia capital markets
LinkedIn
Austin Kimm
Austin Kimm
IR Director, Co-founder
Financial services CEO and international
strategist for established and start-up companies
LinkedIn
Gleb Markov
Gleb Markov
COO, Co-founder
Fintech, banking & cryptocurrency
professional with over 10 year’s experience
LinkedIn
Vladimir Gorbunov
Vladimir Gorbunov
CCO, Co-founder
Entrepreneur with more than 10 successful new
ventures, with particular focus on simplifying real-world issues through technology
LinkedIn
Pavel Rasputin
Pavel Rasputin
CMO
Professional with more than 10 years of experience in marketing — from B2B for one of the biggest Russian software developing companies SKB Kontur to international B2C in Aviasales and Jetradar.com
LinkedIn
Nick Evdokimov
Nick Evdokimov
Strategy Director
Launched Giga Watt, Paragon, Tokenstars and a lot of other successful ICOs
LinkedIn
Dimitriy Fomin
Dimitriy Fomin
CTO, Head of Security & QA
Blockchain & smart contracts developer,
fintech experienced
LinkedIn
Ilya Churakov
Ilya Churakov
Video Producer
LinkedIn
Simon Sergeev
Simon Sergeev
Head of Support & Communications
LinkedIn
George Ermakov
George Ermakov
Strategy Development Manager
LinkedIn
Igor Tszyan-Nyn-Tsay
Igor Tszyan-Nyn-Tsay
Head of Law & Regulation
LinkedIn
Ruff Rubaker
Ruff Rubaker
Аrt Director
LinkedIn
Ivan Vasiliev
Ivan Vasiliev
Senior R&D Engineer
LinkedIn
Igor Semenchenko
Igor Semenchenko
Lead Mathematician, Senior Architect Developer
LinkedIn

FAQ

What is cryptobank?

A cryptobank is a new kind of bank that provides the same type of services as a traditional high street bank, but with cryptoassets such as a cryptocurrencies and tokens rather than with the everyday money we are used to today (often referred to as fiat money). Cryptobanks provide a service-payment infrastructure; a communication between the crypto-world and the fiat-world, providing an opportunity for users to pay in cryptoassets, and the merchant to receive funds fiat money for services such as telephone, utilities, penalties, loans, taxes, internet, and so on. In simple terms, a cryptobank enables you to spend cryptocurrency in the real world.

What is the difference between wallet and cryptobank?

The main purpose of digital wallets is the transfer and storage of crypto assets. Like a savings account but with no interest, or the transfer from one crypto wallet to another crypto wallet. Crypterium’s Cryptobank offers so much more. As well as enabling the spending of the wallet’s digital assets though the crypto2fiat exchange it provides a wide range of additional important banking services such as asset currency exchange, lending, cross border payments and acquiring services (the ability for a merchant to receive a payment other than cash) for companies based on our own payment infrastructure. Not only that we also provide access for developers to our crypto-payment infrastructure through the open platform OpenAPI.

How does credit subtoken CRED work?

A customer obtains a loan in CRED tokens. The customer then converts the loan into a currency of his choice on a dedicated currency exchange within Crypterium. At the end of the loan period, the borrower must repay in CRED including interest, to complete his repayment obligations and amend his credit score for future loan requests. Credit subtoken CRED is a new standart of cryptocredit based on the blockchain.

Full 6 steps diagram you can find in our WP (https://crypterium.io/wp).

What is your team’s background?

Many of the Crypterium management team are highly experienced digital payments professionals coming from some of the most innovative Fintech sectors in Europe and having spent the better part of 10 years developing digital payment and banking solutions. This team is supported by experienced financial professionals and experienced C level executives who have worked in several different markets and countries.

When combined, the team has attracted more than $50m of investment into fintech projects they have been responsible for creating and developing, including PayQR (Russia’s leading independent contactless payment platform – see further comment below), Workle (a digital sales platform that has over 1.5m independent users selling everything from credit cards to security alarms) and Bonus Club (a digital loyalty program that is integrated into leading publishers’ websites).

When will you release your mobile app?

MVP is ready. In public access, the application will appear later, now it is in the process of internal testing and debugging. We have a vast experience in developing payment applications. Among them PayQR, Bonus Club, SaharCard.

When does Crypterium ICO start?

The tokensale starts on October 31, 2017, and ends on January 13 (or sooner, if the token issue cap is reached). If you need to buy more than 20000 tokens before the beginning of the ICO with please contact us: [email protected].

What are the conditions for the pre-sale?

The first day of ICO is a presale. You can receive up to 33% token bonuses. I.e. if you buy 30000 CRPT tokens, you will receive bonus 9900 CRPT tokens, so totally you’ll get 39900 CRPT tokens. If you need an exclusive offer please contact us: [email protected].

How to contribute to the Crypterium ICO?

Supported payment methods are Bitcoin (BTC), Ethereum (ETH) and fiat payments. You need to register an account in our book building platform which will be opened after 24th of October 2017. For now, you need to sign up to our newsletter or social networks. We’ll remind you with the further instructions.

What makes Crypterium token (CRPT) unique?

The uniqueness of the CRPT token is that it is demand-based. Each transaction in a crypto bank forms a demand for a token, because part of the funds from the transaction goes to buy it on the open market. This ensures constant liquidity of the CRPT tokens.

What are token holders benefits?

30% from Crypterium’s transaction profit (merchant commission) will be used to thank our CRPT token-holders and the most active users through the acquisition distribution of CRPT tokens via a monthly cashback fund (MFC). Acquired CRPT tokens are divided between existing token-holders, depending on their Crypterium bank usage. MFC refilling is also creating constant demand on CRPT tokens.

Is there a minimum amount of tokens to buy?

Minimum token purchase amount during the token sale is just 1 CRPT token.
Learn more
Internal panels
Modules
External panels
Partners admin panel
(advertisement / payments
/ exchanges / loans)
Authentication
Order gate
Payment gate
Partner affiliate
Partners admin panel
(advertisement / payments
/ exchanges / loans)
Products
(Api interactions)
Mobile apps,
mobile SDK
WEB API, Widgets
Bank integrations
Data processes bus
Modules
Loyalty programs
Online accounting
Fraud monitoring
Notification Center
Messengers gate
Financials processing
Data processing
Advanced analytics
and forecasting
Currency exchanges
integration (SX)
Credit and loans
market integration
Event driven
marketing
External integrations
Restaurants
R-Keeper
UCS Online
Shopping
INPASS
Finances
CyperPlat
Metropolitan
PayU
Sales
Admitad
Rakuten
CJ Affiliate
CMS
1C-Bitrix
Magento
osCommerce
CS-Cart
Yii Framework
Drupal
Image
Amiro
Moguta
Discounts
Scorista
FICO