COSS
COSS
Token: COSS


Crypto-One-Stop-Solution Made Easy

ICO dates
Start date: 2017-08-08
End date: 2017-09-06

Registrated in: Singapore

Platform: Ethereum
Type: ERC20

PREMIUM ICO

HARA

Empowering billions by utilizing a global and transparent data exchange.
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Goal: 17,000,000 USD
Price: 1 HART = 0.059 USD

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Dominium Blockchain – The one-stop-platform for everything to do with property anywhere in the world!
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https://coss.io Screenshot
COSS categories
Cryptocurrency Platform
COSS whitepaper
Video
COSS token sale
KYC passing required No | Whitelist No | Restriction for countries No
Tokens for sale 200,000,000
Price 0.56 USD
COSS news, social
COSS search trends in Google
Random whitepaper excerpts

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...
Stefan Neagu
ADVISORY BOARD Stefan Neagu Blockchain Technology

Mike Costache
ADVISORY BOARD Mike Costache Strategy / Investments

Tan Kim Song
ADVISORY BOARD Tan Kim Song Financial Advisor

Anson Zeall
ADVISORY BOARD Anson Zeall Blockchain Industry & Community

John Bailon
ADVISORY BOARD John Bailon Crypto Adoption Ecosystem Advisor

Miguel Cuneta
ADVISORY BOARD Miguel Cuneta Crypto Adoption Ecosystem Advisor

Ionut Scripcariu
ADVISORY BOARD Ionut Scripcariu Payment Gateway and Card-Solutions

Christian Hagmann
ADVISORY BOARD Christian Hagmann Corporate Strategy Advisor

John Chrissoveloni
ADVISORY BOARD John Chrissoveloni Equity and Trading Advisor

Zach Piester
ADVISORY BOARD Zach Piester Strategy / Investments

David Zhou Yi
ADVISORY BOARD David Zhou Yi Legal Advisor

Peter Sundström
ADVISORY BOARD Peter Sundström Disruptive Technology Advisor

Dan Cearnau
COSS TEAM Dan Cearnau Team Leader and co-founder

Ioana Frincu
COSS TEAM Ioana Frincu Team Coordinator

Iulian Oprea
COSS TEAM Iulian Oprea Technology Officer

Desmond Sieow
COSS TEAM Desmond Sieow Financial Manager

Rune Evensen
COSS TEAM Rune Evensen Visionary and co-founder

Andrei Popescu
COSS TEAM Andrei Popescu Experience Officer and co-founder

Christopher Bridges
COSS TEAM Christopher Bridges Compliance Officer and co-founder

Andras Kristof
COSS TEAM Andras Kristof Corporate Blockchain Analyst

Haarek R. Andreassen
COSS TEAM Haarek R. Andreassen Research and Development Officer

Eystein R. Lyche
COSS TEAM Eystein R. Lyche Marketing Officer

Fitro Hermawan
COSS TEAM Fitro Hermawan User Experience (UX) Manager

Maria Popova
COSS TEAM Maria Popova Content Manager

Andras Kristof
Andras Kristof
Corporate Blockchain Analyst
Technical Advisor
CTO at Yojee, Founder and CEO of Fembusa Terminals Pte Ltd x
CTO, Yojee
Chief Technology Officer Yojee Limited
Advisor - Blockchain Architect, ICO Advisor
SMART CONTRACT DEVELOPER AND TECHNICAL ADVISOR
Akomba Labs, Blockchain Advisor
Christopher Bridges
Christopher Bridges
Compliance Officer and co-founder
Andrei Popescu
Andrei Popescu
Experience Officer and co-founder
Co-Founder of COSS.IO & SCX Holdings and Seasoned Blockchain Tech Start-Ups Investor/Advisor.
Co-Founder of COSS.IO and Seasoned Blockchain Tech Start-Ups Investor/Advisor
Co-Founder of COSS.io and SCX Holdings
Rune Evensen
Rune Evensen
Visionary and co-founder
Rune is the project's champion directing and supporting the team.
Iulian Oprea
Iulian Oprea
Technology Officer
Mobile Development Lead
Ioana Frincu
Ioana Frincu
Team Coordinator
Blockchain Architect
Blockchain Developer
Ioana Frîncu
Ioana Frîncu
Co-Founder
Dan Cearnau
Dan Cearnau
Team Leader and co-founder
Blockchain Architect
Dan Cearnău
Dan Cearnău
Co-Founder
Ionut Scripcariu
Ionut Scripcariu
Payment Gateway and Card-Solutions
Co-Founder at CardBlue – first independent prepaid card issued in Romania | President of Romanian Fintech, Blockchain and Cryptocurrency Association | Blockchain Investor | Advisor at COSS.IO
John Bailon
John Bailon
Crypto Adoption Ecosystem Advisor
Founder and CEO of Satoshi Citadel Industries
Anson Zeall
Anson Zeall
Blockchain Industry & Community
International Advisor
Foundation Member
Mike Costache
Mike Costache
Strategy / Investments
Advisor
Managing Partner at KrowdMentor
Strategy Advisor
Chief Advisor
Blockchain Advisor
Blockchain Investors Consortium (BIC) Pepperdine School Of Law
Managing Partner at KrowdMentor
Ștefan Neagu
Ștefan Neagu
Co-Founder