Datarius
Datarius
Token: DTRC


The first social decentralized cryptobank

ICO dates
Start date: 2018-03-05
End date: 2018-04-05

Registrated in: Costa Rica

Platform: Ethereum
Type: ERC20

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https://datarius.io/ Screenshot
Datarius categories
Banking Business services Cryptocurrency Internet Investment Platform
Datarius whitepaper
Video
Datarius token sale
KYC passing required Yes | Whitelist No | Restriction for countries No
Soft cap 1,000,000 USD
Hard cap 51,000,000 USD
Token distribution in ICO
73%
73%
Price 1 DTRC = 0.01 USD
Price in PreICO 1 DTRC = 1 USD
Acceppting ETH, BTC, BCC, LTC, Fiat
Bonus in ICO
Pre-sale 35%
Datarius news, social
Datarius search trends in Google
Random whitepaper excerpts

TABLE OF CONTENTS
1. 1.
PROJECT SUMMARY
3
1.1. Cryptocurrencies
3
1.2. Fintech
4
1.3. Datarius
6
2. MILESTONES PLAN
12
Payment System Licensed Under the DPL (1 million)
13
Personal IBAN (co-branded)
15
Multi-Currency Accounts
15
P2P Lending
15
Co-branded Credit Cards
18
Asset Exchange
18
Transaction Insurance
18
Online Training Centre for System Users
19
Additional Licensing (5 Million)
19
Trust Management
19
Membership in VISA and MasterCard Payment Systems
20
Partner Programs
20
Public API
21
Mobile Applications
21
Short-Term Accumulation Accounts ('Money Box'
)
21
Consultants Training Program and Training Center Franchise
22
Deposit Limits (10 Million
)
22
Credit Cards
22
Virtual Cards
23
Cold Accumulative Accounts (Har...

TABLE OF CONTENTS
Introduction of Artificial Intelligence
29
Foot Bankers (50Million
)
31
Mortgage Credit Lending
31
Services for Small and Medium Business
32
Establishment of Venture Capital Investment Fund
32
Integration of Crowdfunding Platform
33
Direct Access to Government Bond Market
33
Private Pension Fund
34
Commodity Exchange and Securities Exchange
34
ITO
35
Reasons to Implement
35
DTRC Token
35
General Distribution of Tokens
36
Token Sale Structure
37
Pre-ITO
38
ITO (Initial Token O ering
)
39
Prospects
40
Team and Advisers
41
PARTNERS
45
Conclusion
45
Sources
46
CONTACT INFORMATION
47
2
...

PROJECT SUMMARY
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.
1.1. CRYPTOCURRENCIES
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...

PROJECT SUMMARY
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 ...

PROJECT SUMMARY
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
future.
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...

PROJECT SUMMARY
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...

PROJECT SUMMARY
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
real life.
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...

PROJECT SUMMARY
There are a few more basic di erences from the traditional banking system,
which should be emphasized.
TRADITIONAL BANK
FINTECH COMPETITORS
INSTRUMENTS
CLIENT EARNING POSSIBILITY IN
COOPERATION WITH A BANK
LENDING
Limited by
specialization
Excluded
Traditional
Field-specific
Not applicable
Simple P2P
CURRENCY EXCHANGE
More than 5%
Less than 5%
RISK-MANAGEMENT, SCORING
INTEGRATION OF EXTERNAL
SERVICES THROUGH PUBLIC APIS
TRUST LEVEL
MONITORING
FUNDS MONITORING
TRANSACTION SPEED
Obsolete statistics
Impossible or slow and
di cult
Trust to the bank
Centralized model
Bank
Days
Bigdata + sometimes AI
Possible
Symbiosis of institute and
blockchain
Symbiosis of institute and
blockchain
Symbiosis of institute and
blockchain
Minutes
TRANSACTION FEE
SOCIAL ORIENTATION
TRAN...

Datarius Roadmap

1
02.2018
The approval of the prototype TR (it’s been under development since 2017)
2
03.2018
the initiation of the user interface development
3
04.2018
the obtaining of the DPL license (Costa Rica) – payment system, asset management company, investment company (the application was sent in December 2017)
4
04.2018
the start of work on testing our own blockchain
5
05.2018
the signing of the bank support agreement and integration of co-branded IBAN/SWIFT accounts and debit cards
6
05.2018
launching the development of own machine learning system AI
7
07.2018
the completion of work on user interface integration and P2P platform organization
8
07.2018
embarking on the mobile application development
9
08.2018
the presentation of the fixed checks function
10
09.2018
the integration of internal exchange
11
09.2018
the public algorithms testing for the applications machine ranking in the testnet
12
10.2018
the launch of the basic version
13
11.2018
the presentation of training materials and introduction to the Training Center
14
11.2018
the integration of virtual maps
15
12.2018
the beginning of the social functions development (Trust Management/Trust Limits)
16
12.2018
the presentation of test version of mobile app to competent users
17
02.2019
the completion of the testing phase, the launch of the commercial version and the intensified PR campaign
18
02.2019
the preparation and submission of documents to obtain the license from the British financial regulatory body FCA
19
02.2019
the provision of confident users with the test access to social functions
20
03.2019
the release of the commercial version of the mobile app
21
03.2019
the presentation of a team of full-time professional managers
22
04.2019
the integration of the Affiliate Program
23
04.2019
the presentation of the short-term savings account function
24
05.2019
the presentation of the Training Center franchise and becoming a franchisor. Registration of the first franchisees
25
05.2019
reaching the point of 1M active users
26
05.2019
the first mortgage lending in DTRC
27
06.2019
providing access to the function of the payment calendar and deferred payments
28
06.2019
opening access to the examination to attain the managing user/managing analyst status
29
06.2019
affiliate integration of the access to the exchange terminals with instant DTRC payment
30
07.2019
The delivery of the first credit card
31
07.2019
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)
32
07.2019
The locking from the TOP cryptocurrency exchanges through the partner trading accounts
33
08.2019
The presentation of cold savings accounts
34
08.2019
The integration and testing of the instant transfer systems
35
09.2019
The provision of the test access to the portfolio investment formation module
36
09.2019
The completion of open testing and the presentation of the first managers and analysts – users
37
11.2019
The integration of biometric authentication
38
12.2019
The presentation of the system automation commercial version based on its own AI
39
01.2020
The first distribution of 65% fees and charges collected in 2019.
40
02.2020
The integration of a private Pension Fund (most likely Jersey)
41
03.2020
The submission for SWIFT membership status
42
04.2020
The completion of the first “foot” bankers training and the program startup
43
05.2020
The presentation of the venture capital fund composed of the ecosystem top users and internal funding platform
44
07.2020
The integration of the access to investments in government bonds (developing countries)
Nikolay Zvezdin
Advisors Nikolay Zvezdin CFO / CIO at Envinary Group, CFO at Enlight Visionary

Doug Lyons
Advisors Doug Lyons ITO Advisor / Consultant

Simon Cocking
Advisors Simon Cocking Writer, editor, ITO advisor, business mentor

Jason Hung
Advisors Jason Hung MBAT Bank Chairman & Co-founder

Aleksey Vuyko
Team Aleksey Vuyko CEO

Juan Ignacio Guzman
Team Juan Ignacio Guzman Corporate lawyer

Maxim Pashkovskiy
Team Maxim Pashkovskiy Legal support ITO

Kristina Rezugina
Team Kristina Rezugina Community Manager

Konstantin Marchuk
Team Konstantin Marchuk Development Team Lead

Andrey Bozhenko
Team Andrey Bozhenko UI/UX designer

Dmitriy Kravchenko
Dmitriy Kravchenko
SMM
Security Engineer
Jason Hung
Jason Hung
MBAT Bank Chairman & Co-founder
Advisor, technology, Greater China scaling
EXTERNAL ADVISOR
Chairman & CSO
BLOCKCHAIN ADVISOR
MBAT Bank co-founder and Entrepreneur
ICO Advisor
Smart Contract Advisor
Blockchain Advisor
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BLOCKCHAIN ADVISOR
Strategy Advisor
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ICO Advisor
ADVISOR
Advisor-Business
Marketing & PR Advisor
Advisor, Taiwan, Republic of China
Advisor
GFOB cofounder, ICOBench Top Advisor
ICO Advisor & Founder Of Crypto Fund
Simon Cocking
Simon Cocking
Writer, editor, ITO advisor, business mentor
Senior Advisor Twitter
Chief Marketing Advisor
Editor in Chief at Cryptocoin.News, Advisor. Experience: Mentor & Advisor in 20+ Successful ICOs.
Advisor
Advisor and Board Member
EDITOR-IN-CHIEF, CRYPTOCOIN.NEWS
Advisor
Blockchain Influencer, Irish Tech News
Media & Global Partnerships Advisor
Editor at CryptoCoinNews, Irish Tech News, Top 1 member of the ICO Bench Experts. Business mentor.
Advisor
Senior Editor at Irish Tech News, Editor in Chief at CryptoCoinNews
Advisor
Business mentor and advisor
Editor in Chief at CryptoCoinNews
Adviser to the Board of Quasa
Marketing Advisor
Digital Marketing Advisor
Digital Marketing
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Advisor
Marketing Advisor
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Strategic Advisor
Cryptocurrency Advisor
Senior Editor at Irish Tech News, Editor in Chief at CryptoCoinNews
EDITOR IN CHIEF, ADVISOR, STRATEGIST
Chief Strategy & Public Relations
Chief ICO Advisor
International Blockchain Community Advisor
PR advisor
Board Advisor
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World’s #1 Blockchain influencer
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Editor in Chief Irish Tech News | CryptocoinNews 1 ranked advisor on ICObench for three months
#2 Crypto Expert on ICObench
Marketing Advisor
Digital Marketing Advisor
Media relations
Cryptocurrency & Blockchain Advisor
Advisor
Crypto media: Irish Tech News Ireland
PR Advisor
Chief Editor at Irish Tech News, CryptoCoinNews and InvestInIT
Senior Advisor
Doug Lyons
Doug Lyons
ITO Advisor / Consultant
Nikolay Zvezdin
Nikolay Zvezdin
CFO / CIO at Envinary Group, CFO at Enlight Visionary
Finance & Legal Advisor
Business Strategy Advisor
Advisor
BLOCKCHAIN ADVISOR
Advisor-Investor Relation