COSS ICO

TABLE OF
CONTENTS
DISCLAIMER
..........................................................................................................................................................3
ABSTRACT
..............................................................................................................................................................4
INTRODUCTION
.................................................................................................................................................5
INDUSTRY TRENDS: THE PAST, THE PRESENT AND THE FUTURE
...........................6
Current Challenges........................................................................................................................................8
The Mass Adoption Challenge................................................................................................................10
THE COSS PLATFORM OVERVIEW
......................................................................................

TABLE OF
CONTENTS
Merchant Platform............................................................................................................33
Merchant Account.............................................................................................................34
Payment Gateway /POS...................................................................................................36
Exchange.............................................................................................................................37
COSS Token......................................................................................................................................39
COSS Token Swap (ICO)...................................................................................................40
COSS Tokens Allocation Plan..........................................................................................41
CAP: COSS Affiliate Program........................................................................................

DISCLAIMER
This white paper is created to serve the informative purposes only, therefore, the representations
herein should not be relied on. COSS.IO makes no representations or warranties (whether express or
implied), and disclaims all liability arising from any information stated in the white paper. In particular,
the “Roadmap & Development” as set out in the text of the white paper is subject to change, which
means that COSS.IO is not bound by any representations to the future performance and the returns
of COSS.IO. The actual results and the performance of COSS.IO may differ materially from those set
out in the “Roadmap & Development”.
COSS.IO already has an existing and functioning platform (see Phase 1 of the “Roadmap &
Development”), and this white paper makes no binding representations or warranties about the
existing platform.
No regulatory authority has examined or approved of any of the information set out in this white
paper. Thus, no action has been or will be ...

ABSTRACT
This white paper describes the Crypto-One-Stop-Solution (COSS) platform and its functionalities,
approaching the subject of online payment technologies and the position of cryptocurrencies in this
developing market. With over 800 altcoins on the market, there is hardly a single cryptocurrency which
does not suffer from usability or user adoption issues.
Imperfections in the technical setting of these digital coins result in the loss of potential customers
and merchants and low transaction volumes, affecting the market price of the coin accordingly.
Furthermore, the path from creating a digital wallet to making actual payments in cryptocurrencies is
very inconvenient and cumbersome, requiring a beginner to spend a lot of time and effort making
his/her way in the cryptocurrency world.
When addressed mindfully, the problem of poor user adoption of cryptocurrencies can be resolved by
means of a one-stop solution approach realized through a platform, that was designed specifically to
inform...

INTRODUCTION
The inherent value of cryptocurrencies as an alternative payment method has gained critical mass
among investors, entrepreneurs, and consumers over the last few years. Such popularity would not
be possible without the blockchain technology, which has taken a number of world banks and
corporations on a quest to increase the efficiency of their services. The permeation of
cryptocurrencies and the blockchain technology into the global market is not simply a technological
trend, but rather a steady shift towards a better future, in which managing personal finances is
becoming easier, faster, cheaper and safer.
The cryptocurrency industry has generated an entirely new market, or a set of technology-driven
markets, which have the potential to disrupt the existing market strategies and the conventional
business practices. However, as any other industry, the cryptocurrency industry has to face a number
of obstacles, which slow down its natural dissemination among the non-technical users. One of thes...

INDUSTRY
TRENDS
Past, Present and Future
Bitcoin has been created by Satoshi Nakamoto in 2008. Soon after, it became the first world-known
decentralized cryptocurrency, that introduced a great number of new solutions to the existing
electronic payment systems.
Thanks to Bitcoin, large banks, corporations and governments started to recognize the great
technological value of cryptocurrencies: the decentralized peer-to-peer public ledgers, the blockchain,
the new ways to approach security and anonymity, which have spread to a great variety of fields. The
fact that cryptocurrencies are censorship resistant and very difficult to shut down by a centralized
institution or entity has increased the amount of trust people have in this technology.
The design model of cryptocurrencies has revealed that the approach of the traditional financial
institutions (e.g. banks) to payments is becoming obsolete, and has unveiled the new possibilities for
individuals and organizations adopting them, such as:

Another example of a blockchain application is a decentralized autonomous organization (DAO)
which, according to the forecasts, can become one of the most disruptive innovations after the
blockchain and cryptocurrencies. DAOs are considered to be a new form of legal structure, in which
management and control are carried out by means of smart contracts, the so-called self-executing
agreements on the blockchain.
The number of blockchain applications is increasing and expanding further away from the domain of
cryptocurrencies to other industries such as administration, accounting, real estate, data storage, etc.
The illustration below highlights the growing number of users of the Blockchain applications by
segments:
BLOCKCHAIN APPS - END-USER VIEW
THOUSANDS
Descentralized
Autonomous
Organizations
Transportation
Online Storage
Mesh Networks
Healthcare
MILLIONS OF
USE CASES
Smart
Contracts
HUNDREDS OF
THOUSANDS
BILLIONS ...

CURRENT CHALLENGES
The main reason why cryptocurrencies keep gaining traction is because the use of FIAT currencies
imposes limitations on users, such as inability to provide identity protection and the safety of the
transaction process.
The problem of credit card payments is that it is an extremely cumbersome process that requires not
only a customer and a merchant, but also banks, acquirers, payment processors and a group of
organizations operating the network, to participate. This brings up a number of middlemen in
discussion, and also increases the transaction costs.
Although the payment technologies are constantly evolving, and the concern about the peer-to-peer
(P2P) payments is increasing, in this highly competitive environment, all the players are now working
hard to maintain their position in the market, and to disrupt the status quo. This is done to eliminate
the complicated and inefficient set of separate processes that are at the core of every payment
system.
The payment ecosyste...