Capverto
Capverto
Token: CAP


Banking for the Future

ICO dates
Start date: 2018-09-01
End date:

Registrated in: Denmark

Platform: Ethereum
Type: ERC20

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Capverto categories
Cryptocurrency Infrastructure Investment Platform
Capverto whitepaper
Capverto token sale
KYC passing required Yes | Whitelist Yes | Restriction for countries No
Soft cap 1,000,000 USD
Hard cap 171,375,000 USD
Tokens for sale 171,375,000
Acceppting ETH
Capverto news, social
Capverto search trends in Google
Random whitepaper excerpts

Table of Contents
1
Overview: Cryptocurrencies
and the Unbanked Opportunity
2
The Cryptocurrency Difference:
Decentralized Digital Convenience
3
CAPVERTO Exchange: A Cryptocurrency
Suite Specifically for the Unbanked
4
Building a Bridge Between Fiat Money and
Cryptocurrency with Prepaid Cards
5
CAPVERTO Exchange, CAP Tokens,
and Prepaid Cards
6
How Prepaid Cards Unlock the Power of
Cryptocurrency for the Unbanked
7
The CAPVERTO Exchange Bank Platform:
A Secure, Streamlined Approach
to Transfers
8-9
Behind the Prepaid Card: The Depth of
CAPVERTO Exchange’s Bank-like Services
10
Simplified Cryptocurrency Trading Within
CAPVERTO Exchange
11
Advantages of P2P Lending-borrowing in
CAPVERTO Exchange
11
Copy Trading on CAPVERTO Exchange
and its Benefits for the Value of CAP
12
Cryptocurrency Insurance in CAPVERTO
Exchang...

1
Cryptocurrencies and the
Unbanked Opportunity
Inclusive and fair banking systems,
with financial instruments available
to a wide range of individuals and
institutions, are engines of economic
growth and poverty reduction
across the globe. However,
more
than 2 billion people are currently
unbanked
, representing hundreds of
billions of USD in untapped activity.
In the U.S. alone, the Federal Deposit
Insurance Corporation has estimated
that 9 million — or 7 percent — of the
country’s households are entirely
unbanked, while another 24.5 million
are underbanked. Utilization of
banking services is even lower outside
the high-income OECD nations,
reaching a low below 20 percent in
parts of the Middle East and Northern
Africa, per World Bank estimates.
Without access to the full spectrum
of banking services, the unbanked
and underbanked often resort to
alternative sources – includi...

2
The Cryptocurrency Difference:
Decentralized Digital Convenience
In this context, cryptocurrencies offer a promising path forward for reducing the ranks of the unbanked and underbanked.
Since their databases (blockchains) are decentralized and accessible to anyone meeting their respective permissions
requirements, the centralized infrastructure of standard finance – with all of its accompanying bureaucracy, fees, and
branches – is unnecessary. Participating in an initial coin offering (ICO) or long-term investment in a digital currency is often
as straightforward as opening an online account and does not require possession of extensive financial history records, nor
actual travel to a financial institution’s offices – both common barriers for the unbanked/underbanked.
Moreover, as digitally-native technologies, cryptocurrencies
sport
several innate advantages
over the services and
applications that have been grafted onto legacy financial
systems worldwide over the years, w...

3
CAPVERTO Exchange: A Cryptocurrency Suite
Specifically for the Unbanked
Enter: CAPVERTO Exchange.
CAPVERTO
Exchange is a digital
currency, based on a versatile utility
token that greatly extends the basic
advantages of cryptocurrency through
a design directly addressing the
needs of populations most frequently
excluded from banking. It delivers a
multifaceted bank-like experience,
centered on a prepaid card, that is as
easy to use as logging onto a fast, well-
designed website.
At the same time, the pivotal
CAPVERTO Token
(CAP) at its core
supports advanced features such as a
cash back system, peer-to-peer (P2P)
monetary exchange, a digital currency
trading platform, and an innovative
cryptocurrency insurance product. In
the course of normal use, all of these
features influence the underlying
value of the CAP, distinguishing it
a uniquely flexible amenity for the
unbanked and underban...

4
Building a Bridge Between Fiat Money
and Cryptocurrency with Prepaid Cards
Over the last twenty years, prepaid
cards have evolved from niche
products into essential financial
instruments with particular usefulness
for the underbanked and unbanked
individuals. Infosys has projected
the global prepaid card market will
surpass $3 trillion by 2022, in part
because of sustained robust demand
for accessible, flexible alternatives to
normal bank accounts among
these groups.
More specifically, general-purpose reloadable prepaid cards are common
substitutes for primary checking accounts, due to significant benefits including
but not limited to:

No – or minimal – fees
for
activities such as overdrafts and
check cashing.

Liability protections
if the card is
ever lost or stolen.

Easily reloadable
via mobile
devices, stores and direct deposit.

<...

5
CAPVERTO Exchange, CAP Tokens,
and Prepaid Cards
With the growing advantages and
expanding use cases of prepaid cards
in mind, CAPVERTO Exchange has
made them integral to its initial coin
offering (ICO) and cryptocurrency
product suite. All prepaid cards within
the platform are available to users
and investors internationally, to serve
as a bridge between the realm of fiat
money – in which prepaid cards are
already prominent and are becoming
more instrumental with time – and the
novel domain of cryptocurrency.
There are multiple card tiers available
within CAPVERTO Exchange,
classified by color. The most basic
card is
blue
; beyond that, there are
gold
,
platinum and black,
with the
latter two available by invitation only.
For the ICO, the blue card is priced at
$100, and after purchase that value
is conferred in CAP utility tokens, a
portion of which the purcha...

6
How Prepaid Cards Unlock the Power of
Cryptocurrency for the Unbanked
The particular card-based infrastructure of CAPVERTO Exchange solves three essential problems:
First, it ties cryptocurrency-based
assets, in this case the value
encompassed in CAP utility tokens,
to the fiat money system
through
familiar financial instruments (i.e.,
prepaid cards). This linkage addresses
the high barriers to entry sometimes
associated with cryptocurrencies,
which – beyond the ranks of ICO
investors and technologists – are
often perceived as too technically
complex and abstract to function as
everyday transaction accounts for the
unbanked/underbanked.
Second, it builds upon the features
that already draw unbanked and
underbanked populations to prepaid
cards, such as
cash back rewards
,
ease of use,
and
broad acceptance
by merchants
. Prepaid cards vary
considerably in quality. CA...

7
The CAPVERTO Exchange Bank
Platform: A Secure, Streamlined
Approach to Transfers
The fundamental disadvantage of being unbanked is inadequate access to core services for lending, borrowing and saving.
Without formal bank accounts, unbanked individuals have limited recourse for securing funds for either personal or business
use. Plus, their often poor or nonexistent credit histories present major hurdles for ever removing these constraints, at least
not by working through the traditional financial system.
Alternative approaches, such as
P2P monetary exchanges for direct
transfers between persons, have
emerged to serve people outside
the contexts of traditional financial
institutions. These solutions, which
now include everything from Xoom
and Venmo to Western Union and
FOREX services, predate the internet,
but they have become increasingly
prominent as IP network connections
and mobile devices have become much
more capable in recent years.

Capverto Roadmap

1
Q4 / 2017
The concept is born.
2
Q1 / 2018
The concept is in development.
3
Q2 / 2018
Private sale of CAP Tokens.
4
Q3 / 2018
Public sale of CAP Tokens.
5
Q4 / 2018
Security and performance test. Launch of the official Capverto Platform.
6
Q1 / 2019
Launch of app to iPhone and Android.
7
Q2 / 2019
Launch of Whitelabel solution.
8
Q4 / 2019
Launch of Merchant payment solution.
Martin Mathiassen
Team Martin Mathiassen CEO & Co-founder

René Fürster Simonsen
Team René Fürster Simonsen CTO & Co-founder

Rene Meldgaard
Team Rene Meldgaard CIO & Co-founder

Jesper Andersen
Team Jesper Andersen Consultant

Anastasiya Voronina
Team Anastasiya Voronina IT Project Manager

Sebastian Bucur
Team Sebastian Bucur Business Developer

Andrey Bondarenko
Team Andrey Bondarenko Senior Developer

Tatiana Gryaznova
Team Tatiana Gryaznova Software QA Specialist

Vitaliy Akinshin
Team Vitaliy Akinshin Senior front-end developer

Nikita Maximov
Team Nikita Maximov Front-end developer

Vladislav Ivanov
Team Vladislav Ivanov Developer

Artem Glukhov
Team Artem Glukhov Senior Cloud Architect

Kim Herløv
Team Kim Herløv Advisor

Alex Cox
Team Alex Cox Senior Writer

Gray Bouchard
Team Gray Bouchard Project Manager

Wesley Garner
Team Wesley Garner Content Marketing Strategist

Amy Oughton
Team Amy Oughton Senior Business Partner