Decem
Decem
Token: DECEM


Fast Secure Low Cost

ICO dates
Start date: 2018-06-15
End date:

Registrated in: Slovenia

Platform: Ethereum
Type: ERC20

PREMIUM ICO

Decem categories
Banking Business services
Video
Decem token sale
KYC passing required Yes | Whitelist Yes | Restriction for countries No
Soft cap 4,000,000 USD
Hard cap 10,350,000 USD
Tokens for sale 940,000,000
Token distribution in ICO
94%
94%
Price 1 DECEM = 0.015 USD
Price in PreICO 1 DECEM = 0.01125 USD
Acceppting ETH
Decem news, social
Decem search trends in Google
Random whitepaper excerpts

TABLE OF CONTENTS
ABSTRACT
· · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · ·
3
INTRODUCTION
· · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · ·
4
MISSION
· · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · ·
4
VISION
· · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · ·
5
THE PROBLEMS DECEM IS SOLVING
· · · · · · · · · · · · · · · · · · · ...

ABSTRACT
A digital token backed by fiat currency provides individuals and
organizations with a robust and decentralized method of exchanging
value while using a familiar accounting unit. The innovation of
blockchain is an auditable and cryptographically secured global
ledger which will enable security and transparency of transactions.
To maintain accountability and stability, we propose a method to
always ensure a one-to-one reserve ratio between a cryptocurrency
token and its associated real-world asset, fiat currency.
“You can't drive change without discomfort.
Step out of your comfort zone. Gordon Smith,
CEO, Consumer & Community banking ”
A
ny purchase of crypto tokens is extremely risky
.
N
ever spend any funds that you cannot afford to lose
. M
ake sure you read and understand
the whitepaper
, T
erms of
S
ale and all possible associated risks
.
...

INTRODUCTION
Over the past decade, there has been an explosion in the demand
for cashless and digital payments
1
. Global transaction volumes grew
by 11.2% from 2014 to 2015, and in the past 24 months, this growth
has been enhanced by the introduction of mobile contactless pay-
ment solutions such as Apple Pay, Google Pay, Alipay, and a whole
host of other solutions
2
. Between 2015 and 2020, mobile proximity
payment volume such as Near Field Communication (NFC) and QR
codes are expected to rise by a compound annual growth rate of
80% which would bring mobile proximity payments volume to over
US$4 trillion by 2020.
We also believe that blockchain technology is a
game-changer
for
the transaction banking sector. Decem is creating a link between
the old and the new economy, with creating an instant, secure,
user-friendly, low-cost payment system using blockchain, backed by
one-to-one reserve ratio in fiat currency.
MISSION
...

VISION
Current financial systems are inflexible, non-transparent,
and demand unreasonable transaction fees. Instead of credit
cards which have high-interest rates and high risk of fraud, we
propose a transparent payment system with a minimal fixed fee
for organizations, which is significantly lower than the current
transaction payment fees adopted by financial institutions. The
payment system will integrate with various technologies and
systems, such as near-field communication through the mobile
wallet on smart phones which make our product secure and also
user-friendly.
THE PROBLEMS DECEM IS
SOLVING
In our experience, most of the traditional banks are not (yet) able
to respond to the evolving needs of their clients and their everyday
finances
3
. Clients face slow and steeply-priced offerings. We believe
it is time to reimagine the payment systems and that blockchains
are game-changers for the transaction banking sector. But there’s
one bi...

“Blockchain will revolutionize banking and
financial services as we know it.”
4
Pierre Gramegna, Minister of Finance of Luxembourg
CONCEPT
The onboarding of users in mobile application wallet is fast and
intuitive. Identity management with secured user info ensures com-
pliance with government policies and regulations. Users can upload
funds directly through our mobile wallet application via SEPA, credit
card, PayPal, cryptocurrency or other. Decem platform will allow
users to transfer MOVE tokens, representing their fiat money, at zero
cost. All the transactions including acquiring and burning of tokens
is processed on the blockchain. Proof of Stake consensus is used to
confirm all transactions by voting on the public record of Decem’s
publicly accessible bank account.
Merchants run our application software to receive payments from
users. Using the NFC technology, the user approves the transaction
within our app running on their phone. For every transaction...

REGISTRATION
Fast user registration from any mobile
device. Identity management with
secured user info.
UPLOAD FUNDS
Upload funds through our app (SEPA, card,
Paypal, crypto currency, …) in Decem wallet.
Input transactions are securely
stored on blockchain.
PAYS IN ANY STORE
Instant payment with zero fees.
RECEIVES COIN BACK
Instantly receives coinback in the amount of
0,25% of every transaction. User can use
COINBACK for mining or direct transfer
to FIAT currency.
+
0,25%
WHY DECEM?
Current payment service providers are slow, expensive and
outdated. We are building this project to avoid these exorbitant fees
and make payments simple and accessible for the modern user of
the digital age.
To honor the 10 benefits of the platform with regard to the
traditional payment system, we decided to name it Decem with the
origin of the word in Latin as for the cardinal number ten. The 10
advantages of Decem are ...

1. Reducing fees
Traditional banks are charging a large number of not clearly
communicated fees, for instance transaction and conversion fee
(up to 5%), checking account opening, and monthly fees, as well as
inadequate fund fee. Due to non-transparent fees, it is very hard
for users to follow up on the costs. New entrants are adopting a
simplified approach, providing fees free offers and capitalizing on
price introduced offerings. However, the research indicates clients
would prefer to pay much less or get better offerings for the same
fee factors.
5
With blockchain technology validating will be transferred to Decem’s
miners. Each transaction on the Decem network is free for the user
and has a minimal fee for the merchant. Part of this fee is given to
the miners processing the transaction and the other part is given
to Decem to cover running costs and development. This means we
can offer lowest fees on the current market for as little as 0.5% from
every transact...

use only. Additional argument why Decem is user-friendly is that
onboarding is simple and fast inside our app.
Next to paying you can see and analyze all the transactions you have
made at any given time. Moreover, merchants can also track how
much and how often which user is spending on their selling channel.
This opens up a line of future upgrading and expanding possibilities.
REGISTRATION
Fast and easy registration over any device.
Identity management with secured info.
CUSTOMER PAYS
FEE
0,5%
Customer pays with Decem. Merchant
instantly receives funds in his wallet on
blockchain. Merchant pays fee of 0.5%.
CASH OUT
Merchant cashes out from his blockchain
wallet to his bank account instantly
with no extra fee.
3. Instant money transfer
Bank to bank transfer usually takes 1-2 business days. It usually
takes 2–5 business days to process an international money transfer,
but may take longer depending on the recipient’s country a...

Decem Roadmap

1
2017 Q1
IDEA AND RESEARCH.
2
2017 Q3
INCORPORATION.
3
2018 Q2
PRE-SALE.
4
2018 Q2
MARKET TEST.
5
2018 Q3
ICO.
6
2019 Q2
PRODUCT READY.
7
2019 Q4
PUBLIC RELEASE.
Rob Jonkers
Rob Jonkers Auditing Advisor

Martin Frelih
Martin Frelih Advertising

Jani Peternelj
Jani Peternelj Graphic Identity Advisor

Bostjan Koritnik
Bostjan Koritnik