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TABLE OF CONTENTS
2. MILESTONES PLAN
Payment System Licensed Under the DPL (1 million)
Personal IBAN (co-branded)
Co-branded Credit Cards
Online Training Centre for System Users
Additional Licensing (5 Million)
Membership in VISA and MasterCard Payment Systems
Short-Term Accumulation Accounts ('Money Box'
Consultants Training Program and Training Center Franchise
Deposit Limits (10 Million
Cold Accumulative Accounts (Har...
TABLE OF CONTENTS
Introduction of Artiﬁcial Intelligence
Foot Bankers (50Million
Mortgage Credit Lending
Services for Small and Medium Business
Establishment of Venture Capital Investment Fund
Integration of Crowdfunding Platform
Direct Access to Government Bond Market
Private Pension Fund
Commodity Exchange and Securities Exchange
Reasons to Implement
General Distribution of Tokens
Token Sale Structure
ITO (Initial Token O ering
Team and Advisers
1. PROJECT SUMMARY
Cryptocurrency market and FinTech companies have become ingrained in our everyday lives. According
to forecasts of The World Bank, 10% of world’s GDP will be processed by means of blockchain by 2025.
Cryptocurrencies are already demonstrating beneﬁts for public, but have not yet received wide
opportunities to implement full power of their truly breakthrough technologies in 'physical world'
mode. Many high-end ITOs focus their e orts on providing possibility of using cryptocurrencies and
services in everyday life, creating advanced decentralized banks for this purpose.
We know that there are 'digital' currencies like Waves, NEM, Bitcoin, Ethereum, Litecoin, Zcash, Dash,
etc., and their rate is growing fast. We also know that it is possible to make good money o it by using
'mining rigs' and buying ITO tokens (analogue of shares). The latter can be done with specialized
platforms, they are also issued in form of jetton, shares or credit toke...
This is a convenient way to store money in economically unstable countries: money is not depreciated
and its purchasing power is not lost.
The second path of blockchain development is introducing technology to companies. Main advantage
of decentralized system is that there is no need to involve human resources when processing
transactions. This reduces fees by virtue of automation and at the same time increases transparency
and controllability of deals.
With aid of smart contract technologies, two individuals can autonomously close entire deal, from
contract issuing to its certiﬁcation. As explains author of TechNative portal, 'cryptocurrency funds are
usually stored in intermediate tenure, and after contract terms are fulﬁlled and agreed events are
completed, funds are automatically delivered to the seller. Everything is quite simple and e ective.'
Banks and insurance companies intensively master smart contract technologies. Going ahead,
decentralized technologies will perform ...
We often encounter them in everyday life: we use Internet banking, send and receive money transfers.
According to PayPal General Director, in 2017 200 million users registered in the system, and quantity
of scheduled operations will be more than 6 billion.
As research shows, the greatest interest of users is caused by currency-exchange operations in online
mode, the lowest being instruments of ﬁnancial budgeting and investment.
Speed and transaction transparency is just one side of the coin. Fintech technologies are complete
analytical systems, which will change the principles of banking and insurance sector operations in the
Artiﬁcial intelligence and advanced data analytics, when combined with proliferation of smartphones
and millennial generation prejudice towards traditional banking system, give these industries an
opportunity for growth.
Research of consulting companies McKinsey and Deloitte showed that contemporary
high-performance organizations in pursuit o...
assist both companies and customers to adapt insurance payment plan for their needs, allowing to
save on services.
In personal ﬁnance ﬁeld, smart contract technologies will help to understand exactly how and where
ﬁnancial resources are spent, how well ﬁnancial receipts ﬂow is adjusted, and so on.
Technical capabilities of Fintech services, based on Anti-Money Laundering and Know Your Customer
principles, will allow to e ectively solve ﬁnancial crime problem.
Prevention of ﬁnancial crime consists of three parts: transparent reporting, tracking and law
enforcement. At that the latter is a prerogative of law enforcement institutions. Huge ﬁnancial and
human resources are spent to investigate cases of money laundering, as a result, law enforcement
institutions are 'overwhelmed' with abundant reports on the activities of ﬁnancial institutions.
Fintech services will accelerate and facilitate investigations, making them less expensive.
Banking institutions will be able t...
Such platform will be a perfect solution for people without credit history, to whom traditional banks
cannot provide loan proposals, or for whom current o ers on the market will cost much more.
The Datarius project has a global value. It is designed to overcome current di culties connected to use
of cryptocurrencies in non-digital world, introducing options of integrated crypto- and ﬁat money
services into payment infrastructure for this purpose.
Primary mission of Datarius cryptobank is creation of P2P-system that would make use of full potential
of decentralized ﬁnancial technology within the framework of cryptocurrency payment system and
Another substantial part of Datarius mission is to provide world community with access to major
ﬁnancial instruments in P2P transaction format.
In relatively short time cryptobank clients will receive services that ultimately meet their needs,
because transactions will be conducted in automatic mode, while services will be custom...
There are a few more basic di erences from the traditional banking system,
which should be emphasized.
CLIENT EARNING POSSIBILITY IN
COOPERATION WITH A BANK
More than 5%
Less than 5%
INTEGRATION OF EXTERNAL
SERVICES THROUGH PUBLIC APIS
Impossible or slow and
Trust to the bank
Bigdata + sometimes AI
Symbiosis of institute and
Symbiosis of institute and
Symbiosis of institute and
The approval of the prototype TR (it’s been under development since 2017)
the initiation of the user interface development
the obtaining of the DPL license (Costa Rica) – payment system, asset management company, investment company (the application was sent in December 2017)
the start of work on testing our own blockchain
the signing of the bank support agreement and integration of co-branded IBAN/SWIFT accounts and debit cards
launching the development of own machine learning system AI
the completion of work on user interface integration and P2P platform organization
embarking on the mobile application development
the presentation of the fixed checks function
the integration of internal exchange
the public algorithms testing for the applications machine ranking in the testnet
the launch of the basic version
the presentation of training materials and introduction to the Training Center
the integration of virtual maps
the beginning of the social functions development (Trust Management/Trust Limits)
the presentation of test version of mobile app to competent users
the completion of the testing phase, the launch of the commercial version and the intensified PR campaign
the preparation and submission of documents to obtain the license from the British financial regulatory body FCA
the provision of confident users with the test access to social functions
the release of the commercial version of the mobile app
the presentation of a team of full-time professional managers
the integration of the Affiliate Program
the presentation of the short-term savings account function
the presentation of the Training Center franchise and becoming a franchisor. Registration of the first franchisees
reaching the point of 1M active users
the first mortgage lending in DTRC
providing access to the function of the payment calendar and deferred payments
opening access to the examination to attain the managing user/managing analyst status
affiliate integration of the access to the exchange terminals with instant DTRC payment
The delivery of the first credit card
The presentation of the Cabinet for SMEs (package payments, regular payments, sub-accounts, expenditure control, co-branded cards, prioritized applications processing, preparation of electronic reports, statistics and analytics)
The locking from the TOP cryptocurrency exchanges through the partner trading accounts
The presentation of cold savings accounts
The integration and testing of the instant transfer systems
The provision of the test access to the portfolio investment formation module
The completion of open testing and the presentation of the first managers and analysts – users
The integration of biometric authentication
The presentation of the system automation commercial version based on its own AI
The first distribution of 65% fees and charges collected in 2019.
The integration of a private Pension Fund (most likely Jersey)
The submission for SWIFT membership status
The completion of the first “foot” bankers training and the program startup
The presentation of the venture capital fund composed of the ecosystem top users and internal funding platform
The integration of the access to investments in government bonds (developing countries)