Asure Network
Asure Network
Token: ASR


First scalable decentralized social security network

PreICO dates
Start date: 2019-08-01
End date: 2019-08-15

ICO dates
Start date: 2019-12-01
End date: 2019-12-31

Registrated in: Switzerland

Platform: Ethereum

PREMIUM ICO

Asure Network categories
Cryptocurrency Infrastructure
Asure Network whitepaper
Asure Network token sale
KYC passing required Yes | Whitelist Yes | Restriction for countries American Samoa,Belarus,Botswana,Burundi,Congo,Puerto Rico,USA,British Virgin Islands,Virgin Islands (U.S.)
Soft cap 1000000
Hard cap 40000000
Tokens for sale 45000000
Token distribution in ICO
45
45
Price 1.00
Price in PreICO 0.50
Minimal investment 0.5 ETH
Acceppting ETH
Bonus in ICO Phase 1: 1st week: -50% Phase 1: 2nd week: -25% Phase 2: 1st week: -15% Phase 2: after 1st week: 0%
Project Introduction
Asure Network is a layer 2 scaling network that enables fast, easy and secure transactions for not only payment transactions,
 but also generalized smart contract. Founded by German insurance and technology experts, the network enables everyone to quickly build,
 operate, and use highly scalable business applications through innovations in multi-chain scaling techniques and incentive-aligned
 crypto economics mechanism designs.

What Problems Does Asure Network Solve?
We are developing Asure Network as an infrastructure for social security systems of the future. 
Our goal is to provide access to 4.1 billion people worldwide who have no access to social security systems today.
 The existing social security systems are based on centralized databases, intransparent processes, fraud, corruption,
 labor-intensive processes and lack of trust in systems are the challenges we solve with the help of blockchain and thus
 we create a global inclusion in the social security market, just as Bitcoin allows for inclusion in the financial market.
Asure Network is a public blockchain that enables you to run complex business applications such as social insurance systems. By using a multi-chain architecture, individual applications are distributed and scaled using sub-chains, resulting in high transaction throughput.
The integrity, traceability, and transparency of the blockchain technology can create a high level of confidence in the accuracy and fairness of the implemented business processes. This is in direct conflict with the protection of user-related data and privacy standards such as the EU General Data Protection Regulation (GDPR). Integrating zero-knowledge-proofs and decentralized identities give Asure Network the ability to resolve this conflict.
In the future, there will be many specialized blockchains for various applications. Asure Network uses bridging technologies to connect to other blockchains and allows the use of business processes across block boundaries. Ethereum is the first blockchain to be connected to the Asure Network.

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Abstract
Social security is an essential element in the economic and political
development of societies. However, there are over 4.1 billion people
worldwide without access to social security systems.[1] And on the
other hand, the existing social systems have other challenges that
have to be overcome for demographic reasons (e.g. birth rates 1.5
compared to the world average of 2.5) or cost reasons (administrative
costs of more than 50% or even more than 100%). The Ethereum
blockchain is currently only able to carry out a maximum of 1.3 million
transactions per day.[2] Social security systems are based in part on
several hundred million transactions per month and thus cannot be
sustainably implemented using the blockchain as of today.
Blockchain-based social security systems have several advantages
in comparison to conventional social security systems. They ensure a
constant and much higher quality of the data used and stored through
process integrity, immutability and the sust...

Glossary
EVM
Ethereum Virtual Machine is designed to serve as a runtime environ-
ment for smart contracts based on Ethereum.
Blockchain
A system in which a record of transactions are maintained
across several computers that are linked in a peer-to-peer network.
Ethereum
A decentralized software platform that enables SmartContracts
and Distributed Applications (DApps).
ETH
Native token of the Ethereum blockchain.
BTC
Native token of the Bitcoin blockchain.
ERC20
A technical standard used for smart contracts on the Ethereum
blockchain for implementing tokens.
SmartContract
A smart contract is a computer protocol intended to dig-
itally facilitate, verify, or enforce the negotiation or performance of
a contract. Smart contracts allow the performance of credible trans-
actions without third parties. These transactions are trackable and
irreversible.
Account
A hash of a public key which can hold values. Hold valu...

Contents
Glossary
2
1 Introduction
4
1.1 Social security systems . . . . . . . . . . . . . . . . . . . . . . . . . 5
1.2 Blockchain . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 6
2 Asure Network
7
2.1 Requirements . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7
2.2 Further technologies . . . . . . . . . . . . . . . . . . . . . . . . . . 8
2.3 Plasma . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 9
3 Asure Blockchain
10
3.1 Security . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 11
3.2 Consensus algorithm . . . . . . . . . . . . . . . . . . . . . . . . . . 11
3.3 Privacy with (ZK-SNARKS and ZK-STARK) . . . . . . . . . . . . 12
3.4 EVM, WASM, eWASM, *WASM . . . . . . . . . . . . . . . . . . . 12
3.5 Further technologies . . . . . . . . . . . . . . . . . . . . . . . . . . 13
4 Asure Platform
13
4.1 Client . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . ....

1 Introduction
The Asure ecosystem consists of the Asure Network, Asure Blockchain, the
Asure Platform, and third-party applications.
Figure 1: Asure ecosystem
The Asure network is a scalable blockchain network for decentralized
social security systems. It lays the foundation for 10 billion people to have
access to social security systems and achieves a great social impact where it
is needed the most. [3]
As the technological base that ensures optimal performance regarding the
transaction throughput while maintaining the decentralized character of the
network it guarantees the required level of transparency and cost-efficiency
within the system. It is implemented as many Plasma side-chains that are
connected to the Asure Blockchain as well as the Ethereum blockchain or any
other EVM compatible blockchain. Each side-chain is operated by several
independent node providers who need to stake ASR tokens to reach consensus
between them and therefore within the network. By staking ASR...

1.1 Social security systems
Social security is an insurance system in which the insured risks (such as
illness, maternity, need for long-term care, accidents at work, work-related
illness, unemployment, reduced earning capacity, old age and death) are
covered jointly by all insured persons. Social security systems absorb many
life risks, prevent extreme hardship and thus creates a social balance.
People who do not have access to social security systems are at risk of
falling into poverty if they are struck by a stroke of fate such as illness, crop
failure or disability. They may then have to liquidate savings, sell livestock
and other means of production and send their children to work instead of the
school in order to finance daily expenses. [20]
People who enjoy basic social security are more willing to invest in educa-
tion and physical capital, which entail additional risks, but also the prospect
of income improvements. Empirical studies suggest that the existence of
social secur...

year or the doctors, hospitals, pharmacies and other service providers can
also submit their collective invoices in batches.
Unemployment
Unemployment insurance is the protection against loss of work. Participants
having a job pay a premium where in case of loss of work the time is bridged
by the contributors to find a job again.
Social Care Insurance
The Social Care Insurance, Long-term Care Insurance or Nursing Care In-
surance is a compulsory insurance to cover the risk of becoming dependent
on long-term care. Social care insurance benefits are granted on the basis
of ”levels of need for long-term care”. In the case of professional outpatient
or (partly) inpatient care, the costs are covered up to a certain maximum
amount (incl. nursing aids, measures to improve the living environment as
well as voluntary nursing benefits). The compulsory Social Care Insurance
is therefore not a full insurance. In order to achieve full coverage, it is nec-
essary to take out a private...

similar to a chain to which new elements are constantly added at the bottom
(hence the term ”blockchain”). If a block is complete, the next one is created.
Each block contains a checksum of the previous block. Satoshi Nakamoto’s
development of Bitcoin in 2009 is one of the blockchain implementations
which shows the potential for the technology for the finance transactions. [4]
The disruptive potential of blockchain becomes increasingly apparent. Af-
ter the invention of the Ethereum blockchain and Ethereum Virtual Machine
(EVM), the world was given the tools necessary to build working decentral-
ized autonomous organizations (DAO). In such a system, multiple authorities
control different components and no single authority is fully trusted by all
others. [5] The Blockchain technology is a perfect match to operate social
security autonomously and decentralized.
2 Asure Network
The Asure network consists of the node clients in which the Asure blockchain
is operated and synchroniz...

using the Zero-Knowledge-Proof method, the storage of personal data can
be completely avoided.
In order for a blockchain-based social security to be established, it must
comply with the data protection and privacy guidelines of national and inter-
national regulations such as the General Data Protection Regulation (GDPR)
in the European Union. [7]
Transparency
Transparency within the Asure network is an important factor to protect
social security systems against corruption and manipulation. While respect-
ing the privacy of the users, it is important to ensure transparency of the
system, in general, to enable for example real-time statistics of the overall
money-flow.
Business rules for the system
Social security has many influencing factors and rules, these must be fulfilled,
adapted and executed, therefore it is our requirement to be able to execute
custom business rules in the side chain with EVM or EWASM.
Security
A system that organizes and stores the fin...

Asure Network Roadmap

1
MILESTONE 1: ASURE & MINIMUM VIABLE PRODUCT
Paul Mizel, Fabian Raetz, and Gamal Schmuck founded a new company to face new challenges and work on ideas that make the world a better place. With their expertise in the insurance industry, they felt the need for a new type of insurance based on the principles of DAO. Since then they are working on their vision which became Asure.
2
Jun. 2018 - Prototype I
Developed prototype of the German pension system.
3
Dec. 2018 - Prototype II
Developed prototype of a decentralized pension system.
4
Jan. 2019 - Research decentraliced pension
We propose the development of a decentralized, globally available pension system using the redistribution scheme and to use a public blockchain infrastructure to operate it.
5
Apr. 2019 - Develop Asure Network and testnet
Developed first reference implementation of the Asure Network using the blockchain framework Substrate and provide a public testnet. The network is reviewable by the community.
6
Aug. 2019 - TGE PreSale
Please find all details regarding our public TGE PreSale in our TGE paper.
7
Dec. 2019 - TGE MainSale
Please find all details regarding our public TGE MainSale in our TGE paper.
8
MILESTONE 3: LAUNCH NETWORK AND GROW COMMUNITY
Asure Network 1.0 will operate as an independent chain at the very beginning, supporting Nominated Proof-of-Stake (NPoS), WASM based SmartContracts, and a token bridge to bridge the ASR ERC20 Token on Ethereum to the native protocol token of Asure Network.
9
MILESTONE 4: GLOBALISATION
Asure Network 2.0 will connect with Polkadot and transform into a para-chain and multi-chain, which will increase the scalability and security of the Asure Network even further. Also, it allows the interaction with other para-chains that host functionalities like decentralized exchanges and more.
Paul Mizel
Team member Paul Mizel CEO

Fabian Raetz
Team member Fabian Raetz CTO

Gamal Schmuck
Team member Gamal Schmuck CFO

Andrey Kuchaev
Team member Andrey Kuchaev Community Manager

Emanuel Kuceradis
Advisor Emanuel Kuceradis Technology Advisor

Alexander Böhner
Advisor Alexander Böhner Blockchain Advisor

Michael Lurz
Advisor Michael Lurz Insurance Advisor

Dennis Rittinghaus
Advisor Dennis Rittinghaus Business Advisor

Alexander Böhner
Alexander Böhner
Blockchain Advisor
Insurance Advisor
Andrey Kuchaev
Andrey Kuchaev
Community Manager
Community Manager
Dennis Rittinghaus
Dennis Rittinghaus
Business Advisor
Business Advisor
Emanuel Kuceradis
Emanuel Kuceradis
Technology Advisor
Technology Advisor
Fabian Raetz
Fabian Raetz
CTO
Founder & CTO
Gamal Schmuck
Gamal Schmuck
CFO
Founder & CFO
Michael Lurz
Michael Lurz
Insurance Advisor
Insurance Advisor
Paul Mizel
Paul Mizel
CEO
Founder & CEO