Cashaa
Cashaa
Token: CAS


Next Gen Banking Platform for the Billions

PreICO dates
Start date: 20th Oct 2017
End date: 30th Oct 2017

ICO dates
Start date: 2017-11-06
End date: 2017-12-06

Registrated in: UK

Platform: Ethereum
Type: ERC20

PREMIUM ICO

HARA

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Goal: 17,000,000 USD
Price: 1 HART = 0.059 USD

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https://cashaa.com/cas-token.php Screenshot
Cashaa categories
Banking Platform Software
Cashaa whitepaper
Cashaa token sale
KYC passing required No | Whitelist No | Restriction for countries No
Hard cap 105,000 ETH
Tokens for sale 51,000,000
Token distribution in ICO
51%
51%
Price 0.10 USD
Acceppting ETH, BTC, Fiat
Cashaa news, social
Cashaa search trends in Google
Random whitepaper excerpts

Content
1. Executive Summary
3
2. The Cashaa: The next generation banking platform for the next billion
4
3. Cashaa Beta Launch: Remittance & Trading
7
4. Design Approach
10
4.1 Ecosystem
11
4.2
​ ​ ​
Blockchain Technology
12
5. Products
13
5.1 Wallets
13
5.2 Physical & Virtual cards
13
5.3 Micro Lending
14
5.3 Peer-to-peer exchange (Beta Tested)
15
5.5 Peer to Peer Insurance (Future)
16
6. Key Milestones accomplished
17
7. Public Appreciation
18
8. Future Roadmap and Business Growth Model
20
9. Go to Market Strategy
21
9.1 Strategic Partnerships
21
9.2 Legal, Auditing and Regulatory Partnerships
21
10. Cashaa Tokens and Token Generation Event
22
10.1 Token Functionality
23
10.1.1 Benefits of CAS token
23
10.1.2 Acquiring tokens
23
10.1.3 Spend...

1. Executive Summary
The global financial crisis revealed significant weaknesses in the existing financial system and some of the
vulnerabilities already showed their impact on the interconnected global market. The world economy is
still struggling with slow growth rate today
1
. Transferring money for remittance, money lending across
international borders is still very complicated, time consuming
2
and expensive
3
. Existing systems running
on traditional banking channels are slow and full of intermediaries, higher exchange rates, counter-party
risks, bureaucracy and extensive paperwork
4
.
More than 3.5 billion people are still unbanked
5
or underbanked
6
and have few opportunities to have a
safe and secure way to participate in the global economy. On-boarding this missing population to the
benefits of the global financial system is key in order to provide a sustainable solution for their future
economic outlook. However, it...

2. The Cashaa:


The next generation banking platform for the next billion
The Cashaa team is building a next generation model for financial services which is based on blockchain
technology and artificial intelligence which will empower devices with biometric identification systems to
solve the problems of the existing financial system for the unbanked as well as banked population
7
.
Problem 1:
Having a traditional rail infrastructure, where moving money requires huge processing efforts includes
endless problems. One of the main reasons for friction in this current system is that information is siloed
between the players in the industry. A meagre amount of engineering is done on the payment systems
which are compatible across payment networks and financial institutions. Examples include FedWire
8
,
CHIPS
9
, SWIFT
10
, consumer card payment networks, NSCC/DTCC
11
, OCC
12
, ACH
13
and many oth...

on a robust AI driven blockchain infrastructure which can make the legacy system obsolete, thus creating
value for the world.
​ ​ ​
Cashaa is based on 4 foundational principles:
1.
Powering financial products for the Banked and Unbanked

: Cashaa's digital and transparent
services are not only attractive for the banked population, but they can also deliver financial inclusion
solutions to the 2.5 billion unbanked and 1 billion underbanked globally, thereby creating a unique
cross-border platform which can serve the entire population.
2.
Facilitating low-cost Currency Exchanges

: Send money across borders quickly, for a small flat fee -
a fraction of the current costs, which today on average are 7 %
16
. Our industry-leading technology platform
powered by our traders network can protect your money and offer best foreign exchange (FX)
17
rates
every time you utilize Cashaa.
3.
Enabling Investments in the Glo...

Dominic Melo is Chief Payments officer at Cashaa and an experienced payments process flow designer
quoted as Mr. Payments by Forbes. Owns

European E-Money Institutions

and payments licenses for
South American countries.
Dr. Bernard Lietaer has been active in the realm of monetary systems for nearly 4 decades. He is the
author of widely acclaimed books including

The Future of Money, Money and Sustainability

, and

New
Money for a New World

. Dr. Lietaer is known as the “

Architect of the Euro

” while he was at the Central
Bank of Belgium. Businessweek named him “

the world’s top currency trader

” in 1992.
Janina Lowisz has been popular in the industry as Blockchain Girl, worked as blockchain analyst for
major companies and co-founded Bitnation. Today she is also a

Top 100 Global Blockchain Influencer

...

3. Cashaa Beta Launch: Remittance & Trading
We already built and beta tested a blockchain-powered platform, which offers innovative trading and
money transfer services between fiat and crypto currencies.

12,770 beta users across 141 countries tested
the platform transacting
​ ​ ​ ​
2108.23486 (approx. $10 M)

.
Cashaa video
(The video gives an overview of cash transfer; over time, Cashaa can process payments in
many other forms and does not require manual intervention or in-person settlement.)
During the trading & remittance process, the Bitcoin seller and buyer are asked to deposit their Bitcoins in
the escrow. The seller has to deposit 100% of the coins which they have to sell, while the buyer has to put
10% collateral which is released as soon as the process completes. The Bitcoin escrow address used in this
test transacting
​ ​ ​ ​
2108.23486 is mentioned below:
https://blockchain.info/address/18dpRDcqUbDeGUYgiA5J...

solutions. We also validated the opportunity for money transfer shops to switch their payment service
providers from traditional MTOs to Cashaa. Agents can become less expensive than their competitors, and
gain a good market share while benefiting from Cashaa’s cost-saving efficiencies. Additionally, Cashaa
validated during the beta test the relevance of providing 24/7 availability, a rating system, a tool to import
reputations from other platforms, while introducing the security advantages of a P2P exchange.
Key Benefits of
​ ​ ​
Beta Test:

The Cashaa platform (the “

Platform

”) went through several iterations to be robust, and is now
capable of handling large transaction volumes.

The Platform is upgraded with strong KYC, AML policies and compliance to make it fully compliant
with regulations.

Advanced escrow features increase the protection of stakeholders from any manipulation, thus
mitigating counterparty...

Key findings for the Trading Model:
LocalBitcoins
Centralised
exchanges
Trading desks or
OTC
Cashaa
Currencies
Bitcoin
Price Difference 0.5-2% + Trader
(compared to demand (1-7%)
Market )
Multicurrency
0 - 1%
Multicurrency
1-5%
Multicurrency
0%
Other Fee
No other fee + Fee on deposit/ Depends on terms + No other fee
Western Union or withdrawal +
international wire (All payments settled
international wire international wire
locally)
Payment Mode Cash and bank
account
Only bank account Only bank account Cash and bank account
Payment Type
Liquidity
Local
​ ​ ​
bank
transfer/
Western Union
Local or
Local or
international bank international bank
transfer
transfer
Local traders deal Local traders deal Local + personal
sources
Local; international wire
not required
Local + global ($ 600...

Cashaa Roadmap

1
Q4 2017
Getting Payments License in UK and India Distribution of CAS Tokens Listing on major cryptocurrency exchanges
2
Q1 2018
Partnering with Asian and African banks for remittance solution Launch of Cashaa multi currency crypto exchange in India Addition of 10+ legitimate and valuable cryptocurrencies on peer to peer trading platform
3
Q2 2018
Electronic Money Institution in Europe to issue IBAN (limited bank account feature) to European users Launch of Cashaa cards in Europe Integration with AuxLedger
4
Q3 2018
Launch of Cashaa cards in India Establishing local payout locations in India, Philippines, Indonesia, South Africa & Nigeria Addition of 10+ legitimate and valuable cryptocurrencies on peer to peer trading platform
5
Q4 2018
License will be obtained to offer lending solution Implementation of Agrello AI based smart contract solution Addition of 10+ legitimate and valuable cryptocurrencies on peer to peer trading platform
6
2019
Addition of P2P insurance products Start of licensing process in United States Addition of legitimate and valuable cryptocurrencies in each quarter Expansion to ROW
Kumar Gaurav
Kumar Gaurav Founder & CEO

Celestine Vettical
Celestine Vettical Co-Founder & Chairman

Dominic Melo
Dominic Melo Chief Payments Officer

Francesco Zorgno
Francesco Zorgno Chief Investment Officer

Felice N. Covelli
Felice N. Covelli Co-founder & CFO

Janina Lowisz
Janina Lowisz Co-Founder & VP Marketing

Rakesh Lakhey
Rakesh Lakhey EVP Sales - Asia

Enrique Lau
Enrique Lau EVP Sales - Latin America

Simo Mcunu
Simo Mcunu VP Sales - Africa

Venkatesh Krishnamurthy
Venkatesh Krishnamurthy VP Partnerships

Amjad Raza Khan
Amjad Raza Khan VP Technology

Bernard Lietaer
Advisors Bernard Lietaer Strategic Advisor

John Henry Clippinger
Advisors John Henry Clippinger Strategic Advisor

Tim Campbell Marketing
Advisors Tim Campbell Marketing Advisor

Richard Kastelein
Advisors Richard Kastelein Blockchain Media Advisor

Akash Gaurav
Advisors Akash Gaurav Blockchain Network Advisor

Alex Norta
Advisors Alex Norta Blockchain Architect Advisor

Winston Gilpin
Advisors Winston Gilpin Venture Capital Advisor

Anil Earla
Advisors Anil Earla Fintech Advisor

Colum Rafferty
Advisors Colum Rafferty Payments Advisor

Dinesh Prasad
Advisors Dinesh Prasad Strategic Advisor (India)

Rajesh Dhuddu
Advisors Rajesh Dhuddu Payments Advisor (India)

Kumar Gaurav
Kumar Gaurav
Founder & CEO
Blockchain & Business Advisor
Blockchain Advisor
Dominic Melo
Dominic Melo
Chief Payments Officer
Co-founder, Financial Expert
Janina Lowisz
Janina Lowisz
Co-Founder & VP Marketing
Blockchain Advisor
Simo Mcunu
Simo Mcunu
VP Sales - Africa
VP Africa
Venkatesh Krishnamurthy
Venkatesh Krishnamurthy
VP Partnerships
Bernard Lietaer
Bernard Lietaer
Strategic Advisor
Foundation Council President
John Henry Clippinger
John Henry Clippinger
Strategic Advisor
Chief Innovation Officer | Founder of Swytch.io | Founder of Tokencommons.org | Scientist at the MIT Media Lab
Richard Kastelein
Richard Kastelein
Blockchain Media Advisor
Communication Advisor
Publisher, Entrepreneur, Tokonomist
Publisher and Founder at The Blockchain News
Blockchain News Publisher
Leading Crypto-News Writer, Founder of Blockchain News
Founder, Blockchain News Writer, Publisher, & Entrepreneur
Advisor
BLOCKCHAIN NEWS PUBLISHER
Co-founder of Initial Coin Offering (ICO) company CryptoAsset Design Group
Project Ambassador
FOUNDER OF BLOCKCHAIN NEWS
Founder of the Blockchain News
ICO Advisor
Akash Gaurav
Akash Gaurav
Blockchain Network Advisor
Co-Founder and CTO
Blockchain Advisor
Alex Norta
Alex Norta
Blockchain Architect Advisor
Blockchain Scientist
Chief Scientific Officer, Agrello
Agrello, Qtum. Estonia / Blockchain scientist
Chief Scientist
Advisor
BLOCKCHAIN SCIENTIST
Blockchain Scientist
Dinesh Prasad
Dinesh Prasad
Strategic Advisor (India)
Strategic Advisor (India)