ACUDEEN
ACUDEEN
Token: ACY


Decentralized Ecosystem For Movable Assets

ICO dates
Start date: 2018-05-27
End date:

Registrated in: Singapore

Platform: Stellar
Type: Stellar

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ACUDEEN categories
Banking
ACUDEEN whitepaper
ACUDEEN token sale
KYC passing required Yes | Whitelist Yes | Restriction for countries No
Hard cap 35,000,000 USD
Tokens for sale 5,500,000,000
Token distribution in ICO
55%
55%
Price 1 ACU = 0.01 USD
Acceppting USD, ETH, XLM
ACUDEEN news, social
ACUDEEN search trends in Google
Random whitepaper excerpts

ACUDEEN TECHNOLOGIES
WHITE PAPER V1.2
Table of contents
1. Executive Summary .............................................................................................................. 6
2. Background ........................................................................................................................... 7
2.1 Financial liquidity is a major challenge for businesses in emerging markets .............................. 7
2.2 How Acudeen can help................................................................................................................ 8
2.3 Introduction to Movable Asset Financing ................................................................................... 8
2.4 Roadmap ................................................................................................................................... 10
2.5 Team.......................................................................................................................................... 10
2.6 Selected Inves...

ACUDEEN TECHNOLOGIES
WHITE PAPER V1.2
Important Notice
The ACU tokens are not securities as defined under Singapore’s Securities and Futures Act
(Cap. 289) (“SFA”). Accordingly, the SFA does not apply to the issuance of the ACU tokens.
For the avoidance of doubt, the offering of ACU tokens need not be accompanied by any
prospectus or profile statement and no prospectus or profile statement needs to be lodged
with the Monetary Authority of Singapore (“MAS”).
This White Paper does not constitute an offer of, or an invitation to purchase the ACU
tokens in any jurisdiction in which such offer or sale would be unlawful. No regulatory
authority in Singapore, including the MAS, has reviewed, approved or disapproved of the
ACU tokens or this White Paper. This White Paper and any part hereof may not be
distributed or otherwise disseminated in any jurisdiction where offering tokens in the
manner set out by this White Paper is regulated or prohibited.
The information in this White Pape...

ACUDEEN TECHNOLOGIES
WHITE PAPER V1.2
not fall within the scope of any securities laws in Singapore and is not regulated by the
MAS. You further acknowledge and agree that the ACU tokens are not securities and are
not meant to generate any form of investment return.
The ACU tokens and related services provided by Acudeen (if any) are provided on an “as
is” and “as available” basis. Acudeen does not grant any warranties or make any
representation, express or implied or otherwise, as to the accessibility, quality, suitability,
accuracy, adequacy, or completeness of the ACU tokens or any related services provided
by Acudeen, and expressly disclaims any liability for errors, delays, or omissions in, or for
any action taken in reliance on, the ACU tokens and related services provided by Acudeen.
No warranty, including the warranties of non-infringement of third party rights, title,
merchantability, satisfactory quality, or fitness for a particular purpose, is given in
conjunction with the...

ACUDEEN TECHNOLOGIES
WHITE PAPER V1.2
faith in the best interests of holders of ACU tokens. While Acudeen will have regard to the
interests of holders of ACU tokens, it is also permitted to consider the interests of other
key stakeholders and to prefer these interests over the interests of ACU token holders. This
may mean that Acudeen is permitted to make decisions that conflict with the interests of
ACU token holders. Not owing any fiduciary duties to holders of ACU tokens also means
that holders of ACU tokens may have limited rights of recourse against Acudeen and its
affiliates in the event of disputes.
Tax risks
The tax characterization of ACU tokens is unclear. Accordingly, the tax treatment to which
they will be subject is uncertain. All persons who wish to obtain or receive ACU tokens
should seek independent tax advice prior to deciding whether to obtain or receive any ACU
tokens. Acudeen does not make any representation as to whether any tax consequences
may arise from purchas...

ACUDEEN TECHNOLOGIES
WHITE PAPER V1.2
1. Executive Summary
For small and medium sized entities (SMEs), there is nothing as difficult and nerve-racking
as waiting for clients to pay their invoices. While businesses in mature markets have
access to various financing options, such as bank credit lines or invoice factoring,
businesses in emerging markets only have few alternatives to bridging short-term credit
gaps: defer payments to employees or taking out loans at excessive rates. In Southeast
Asia alone, there are over 70,000,000 SMEs and yet most banks offer financing services
exclusively to their largest corporate clients. Acudeen picks up what these banks left
behind by offering a decentralized marketplace for SMEs to liquidate movable assets,
such as invoices and short-term cashflow needs, without putting their entire business on
the line.
Acudeen started off in 2016 and has since then helped micro, small and medium-sized
entities (MSMEs) to finance their 30-120 day receivables ahe...

ACUDEEN TECHNOLOGIES
WHITE PAPER V1.2
2. Background
Acudeen originated from its founders’ vision of creating a financially inclusive environment
for unbanked and underbanked micro, small and medium-sized businesses (MSMEs) in
emerging markets. The name Acudeen stems from the Filipino words “Ako” and “Din”,
which means “Me Too” in English. As one of the founders, Magellan Fetalino, fondly
explains, “We want every entrepreneur to have the capability to say AKO DIN, I have the
capability to grow too.”
The company has earned multiple accolades from the finance, technology, and business
sectors, which include being the Global winner of Seedstars in 2017, 2017 Founder
Institute’s Best Global Fintech, and one of IDC’s Top 10 Fastest Growing Fintechs.
2.1 Financial liquidity is a major challenge for businesses in emerging markets
Small and Medium Enterprises (SMEs) play a major role in most economies, particularly in
developing countries. Formal SMEs contribute up to 60%...

ACUDEEN TECHNOLOGIES
WHITE PAPER V1.2
2.2 How Acudeen can help
Acudeen’s initial focus was on developing a marketplace for micro, small and medium-sized
businesses to sell their invoices ahead of their maturity dates. Since its inception in 2017,
Acudeen has helped over 400 MSMEs to liquidate their receivable, unlocking over US $2.4m
in immediate working capital.
The early success with its invoice marketplace is what helped Acudeen become a
recognized brand, and the launch in the Philippines is what provided the foundation to
launch a product with relevance in emerging markets.
While making today’s invoice marketplace available in other countries, the company is
expanding its product range to other movable asset categories, such as warehouse
receipts, cars, patents, and more. Acudeen has the insight and technology to help MSMEs
turning movable assets into instant liquidity when needed.
Acudeen’s solution is to give MSMEs a platform where they can present and assign their
...

ACUDEEN TECHNOLOGIES
WHITE PAPER V1.2
Acudeen is a decentralized ecosystem bringing together all parties involved in the
ownership transfer of movable assets. This includes a common marketplace to sell and
purchase movable assets, identification aspects (KYC), risk assessments, ownership
transfer, fund transfers and collections.
With a full view of the risks associated with the transaction, and with the control over key
processes behind the flow of money, Acudeen is able to provide a secure and trustworthy
environment for all market participants.
9
...

ACUDEEN Roadmap

1
2016
Market testing. Product development.
2
2017
Winner 2017 Seedstars Global.
Named Top 10 Fastest.
Growing Fintechs in the Philippines by IDC.
3
2017
Market Validaton.
Tracton:
400+ MSMEs
500+ Funders
1700+ Transactons
2.4M USD Volume.
Blockchain POC
completed.
4
2018
Adaptaton of Blockchain.
Market Leadership in the Philippines.
Geographic Expansion:
Myanmar.
5
2019
Geographic Expansion:
Malaysia,
Indonesia,
Vietnam,
Thailand.
6
2020
Product Expansion:
Additon of new
movable asset types,
supply-chain
integratons.
Jethro De Guzman
Jethro De Guzman Blockchain System Engineer

Manuelito Benedicto Benitez
Manuelito Benedicto Benitez Financial Controller

Dan Kalinga
Dan Kalinga Token Sale Marketing Team Lead

Russ Malangen
Russ Malangen Token Sale Content and Technology Strategist

Gregor Arn
Gregor Arn Fintech Partner and Project Manager

Simon Cocking
Simon Cocking International Blockchain Community Advisor

Butch Raquel
Butch Raquel Communication and Media Advisor

Atty. Anthony Abad
Atty. Anthony Abad Legal Advisor

Tridbodi Arunanondchai
Tridbodi Arunanondchai Thai Market and Blockchain Advisor

Nizam Ismail
Nizam Ismail Singapore Legal Advisor

Sally Eaves
Sally Eaves Blockchain Technology Advisor

Martin Edwards
Martin Edwards Credit Risk Advisor

Adeo Ressi
Adeo Ressi Community Advisor

Mike Suprovici
Mike Suprovici Community Advisor

Sandeep Chandiramani
Sandeep Chandiramani Selected Investor

Atty. Rafael Padilla
Atty. Rafael Padilla Legal Advisor

Genevieve Heng
Genevieve Heng Myanmar Market Advisor

Josephine Price
Josephine Price Myanmar Market Advisor

Nizam Ismail
Nizam Ismail
Singapore Legal Advisor
Co-Founder, RHT Compliance
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Partner & Head of Financial Services, RHTLaw Taylor Wessing
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