TOKO
TOKO
Token: TOKO


Accelerating the growth of micro, small & medium enterprises (MSME) in emerging markets.

ICO dates
Start date: 2018-11-01
End date: 2019-07-11

Registrated in: Indonesia

Platform: Ethereum

PREMIUM ICO

TOKO categories
Investment
TOKO whitepaper
Video
TOKO token sale
KYC passing required Yes | Whitelist Yes | Restriction for countries Singapore
Soft cap $ 8,000,000
Hard cap $ 25,000,000
Tokens for sale 700,000,000
Sold tokens 17,50,00,000
Price $0.054
Acceppting ETH

Tokoin is a platform that establishes the digital business identity and reputation of micro, small & medium enterprises (MSME) as acceptable credibility scoring for suppliers and financial institutions.

 

Tokoin aims to:

-       Build a digital business identity for MSME that represents a valid business reputation

-       Build a digital ledger for MSME that records real-time transaction data and provides opportunities to distribute the data to the relevant parties in the ecosystem, hence monetizing their data.

-       Build a digital ledger for MSME that records real-time transaction data and provides opportunities to distribute the data to the relevant parties in the ecosystem, hence monetizing their data.

-       Grow opportunities by lowering transaction costs, increasing buying power, and providing the previously inaccessibles access for business partnership

-       Suppress the financial inclusion barriers

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Random whitepaper excerpts

Table of Contents
Disclaimer …………………………………………………………………………………………………………………………………..2
Abstract …………………………………………………………………………………………………………………………………….. 5
1. Background ………………………………………………………………………………………………………………………………. 7
1.1. Industry Overview …………………………………………………………………………………………………………. 8
1.2. Problems ……………………………………………………………………………………………………………………….. 9
1.3. Challenges …………………………………………………………………………………………………………………… 12
1.4. Solution …………………………………………………………………...

Disclaimer
PLEASE REVIEW CAREFULLY THE PRESENT SECTION OF “DISCLAIMER OF LIABILITY”. IF YOU
HAVE ANY DOUBTS AS TO WHAT ACTIONS YOU SHOULD TAKE, WE RECOMMEND THAT YOU
CONSULT WITH YOUR LEGAL, FINANCIAL, TAX OR OTHER PROFESSIONAL ADVISOR(S). No part of
this Whitepaper is to be reproduced, distributed or disseminated without including this section
“Disclaimer of Liability”. The sole purpose of this Whitepaper is to present Tokoin and TOKO Tokens
to potential Token holders in connection with the proposed ICO. The information is provided for
INFORMING PURPOSES only. It may not be exhaustive and does not imply any elements of a
contractual relationship or obligations. Despite the fact that we make every effort to ensure the
accuracy, up-to-dateness, and relevance of any material in this Whitepaper, this document and
materials contained herein are not professional advice and in no way constitute the provision of
professional advice of any kind. Furthermore, Tokoin reserves the right to modify or update t...

Disclaimer
The publication, distribution, or dissemination of this Whitepaper does not imply that the applicable
laws, regulatory requirements or rules have been complied with. You do not have the right and
should not buy TOKO Tokens if you are: (i) A green card holder of the United States of America, or
(ii) a citizen or a resident (tax or otherwise) of the United States of America, Puerto Rico, the Virgin
Islands of United States, or any other possessions of the United States of America, Singapore,
People’s Republic of China or South Korea, or a person of that state, or (iii) a citizen or resident (tax
or otherwise) of any country or territory where transactions with digital Tokens and/or digital
currencies are prohibited or in any other manners restricted by applicable laws. (“Person” is
generally defined as a natural person residing in the relevant state or any entity organized or
incorporated under the laws of the relevant state). Purchased Tokens cannot be offered, distributed,
or resold or o...

Disclaimer
Potential owners of TOKO Tokens are advised to contact relevant independent professional
advisors on the above matters. Certain statements, estimates, and financial information contained
herein constitute forward-looking statements or information. Such forward-looking statements or
information involve known and unknown risks and uncertainties, which may cause actual events or
results to differ materially from the estimates or the results implied or expressed in such
forward-looking statements. Furthermore, all examples of calculation of income and profits used in
this paper were provided only for demonstration purposes or for demonstrating the industry's
averages. For the avoidance of doubt, nothing contained in this Whitepaper is or may be relied on as
a guarantee, promise, representation, or undertaking as to the future performance of Tokoin and/or
TOKO Tokens, and/or a promise or guarantee for future profit resulting from the purchase of TOKO
Tokens. TOKO Tokens cannot be used for any pur...

Abstract
Technology has shrunk time and space. Hence, businesses are always advancing their
processes using technology to achieve efficiency. Blockchain technology, developed as a
distributed ledger of transaction, works as a platform to facilitate the distribution of information
between participants involved by creating a distributed database. Data information distributed
on the Blockchain is a valuable asset, and blockchain acts as a system that secures the data.
Every business transaction consists of a set of data, among which are the participants, buyers
and sellers, orders, payment method, the amount of discount, and detailed payment invoices. In
an online marketplace, the set of data are stored centrally on the marketplace’s platform.
Adapting the data in a blockchain-based platform, all information is accurately recorded using
cryptography and stored in blocks.
The trading ecosystem is about to implement Tokoin as a highway of data distribution. By
recording transactions on Tokoin, all par...

Industry Overview 1.1
Problems 1.2
Unavailability of Data 1.2.1
High Barriers to Funding 1.2.2
Scaling Up in the Emerging Markets 1.2.3
The Absence of Reputation 1.2.4
Challenges 1.3
Solution 1.4
Establishment of Business Profile 1.4.1
Provision of Access to Funding 1.4.2
Scaling Up through Access to Expansion Opportunities 1.4.3
Mission 1.5
PAGE 7
...

1.1. Industry Overview
Not only known as the economic driving force behind developing countries, MSMEs have also
become the growth and innovation drivers for global economic expansion. They account for 90
percent of the world’s registered businesses and have made significant contributions to production,
job creation, exports, and the bridging of income gaps, particularly in developing economies. Having
unique characteristics and being small-sized, they are highly flexible and better than corporations at
adapting to the rapidly changing business environment.
The United Nations (UN) has stated that there is no universally accepted definition for the Micro,
Small, and Medium Enterprises. Each country has a different definition based on many
characteristics that differentiate them from other business segments. Indonesia classifies MSMEs
according to the MSME Act of 2008, which is based on their asset possession and annual revenue.
Accordingly, an enterprise is deemed micro in size if its annual revenue...

However, many external factors have hindered MSMEs from living up to their potential. For instance,
their small-scale operations are vulnerable to deterioration in highly competitive business
environment where the economies of scale in large production provide a competitive advantage.
Moreover, they face difficulties in gaining support from governmental institutions, and this results in
high costs of borrowing and, consequently, few resources to draw on during struggling times. To
make matters worse, MSME-related issues regarding collateral and alignment with international
financial standards complicate lending applications. As a result, established financial institutions
have less experience in lending to small businesses and often negatively perceive this to be a more
complicated investment than what it ought to be.
1.2. Problems
1.2.1. Unavailability of Data
Leveraging data has become an important part of modern business. Unfortunately, many MSMEs
are still behind the curve when it comes to un...

TOKO Roadmap

1
2019 Q1
Grand Launching TOKOIN TOKOIN Token on crowd sale
2
2019 Q2
Onboard Blockchain Advisor for TOKOIN ecosystem POC Launch on TestNet
3
2019 Q3
Onboard Warehousing partners to TOKOIN ecosystem Onboard Financial Partners to TOKOIN ecosystem Expand local operations to 10 tier-1 cities in Indonesia
4
2019 Q4
Launch Data Reputation engine Launch Data Visualization platform Launch Partner Suite platform Onboard 50,000 users on TOKOIN ecosystem
Eddy Christian
Team Member Eddy Christian Director of Tokoin

Mutia Rachmi
Team Member Mutia Rachmi Project Manager