Introduction
Joys is an open global blockchain platform for making payments in any
cryptocurrency between buyers and any stores connected to Joys.
Joys provides services to secure payments by any cryptocurrency as a
payment for part or full value of goods or services with optimization of
legal risks for all participants in the purchase and sale process registered in
the system
1
. The project is intended for those trade and service enterprises
that want to receive bitcoin or other crypto currency. We create the Joys
platform for projects that want to give the opportunity to pay with their
cryptocurrency or tokens in retail stores, adhering to compliance with local
laws. We propose to use Joys for classic projects that would like to use
blockchain and crypto-currencies to encourage participants and formulate
motivation and loyalty programs.
Thus, Joys is a platform that integrates blockchain projects and crypto-
currencies into the classical real economy, allowing users t...

Content
Introduction
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2
PROJECT BACKGROUND AND MARKET OVERVIEW
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4
Project Description
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 6
Introduction. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 6
Dolved problems . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7
The value of Joys for the blockchain community. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7
Valuable proposal for the sellers. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .10
How this works . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . ....

I
Project background
and market overview
The volume of the world retail market in 2016 was $ 22.049 trillion, in 2017
it was $ 24.445 trillion, in 2020 — $ 27.726 trillion
2
. At the same time, the
share of e-commerce in these sales today is only 10% of these values.
Total Retail Sales Worlwide, 2015-2020
trillions and % change
$20.795
$22.049
$23.445
$24.855
$26.287
$27.726
5.8%
6.0%
6.3%
6.0%
5.8%
5.5%
2015
2016
Total retail sales
2017
2018
% change
Note: excludes travel and event tickets
Source: eMarketer, Aug 2016
2019
2020
Retail Ecomerce Sales Worlwide, 2015-2020
trillions, % change and % of total retail sales
$1.548
25.5%
$1.915
23.7%
7.4%
2015
8.7%
2016
Total retail sales
$2.352
$2.860
$3.418
$4.058
22.9%
21.6%
10.0%
11.5%
...

that these technologies of the late 50s of the last century will remain in
history: they have already been replaced by new technologies of p2p
payments using smartphones and those like AliPay and WeChat. We do
not try to squeeze out the latest opportunities from the old technologies,
but create new ones, using the accumulated experience and the already
existing infrastructure where it is appropriate.
The projects listed above, as well as a number of others, are trying to
combine a new digital block economy and classical real business. This
process of mutual penetration of new technologies (in particular —
the combination of several technologies: big data, blockchain, artificial
intelligence) into the economy is inevitable and can lead to revolutionary
global changes for the better.
The global retail market is huge and steadily growing. Demand for the
ability to use the crypto currency in the real sector of the economy is
increasing — and proposals are still not enough. The digital...

ll Project description
2.1. Introduction
Joys is an open global blockchain platform that integrates blockchain
projects and crypto-currency into the classical real economy.
It is suitable for:
Projects that issue their own crypto currency or tokens;
Owners of any crypto-currency;
Stores (first of all — retail stores), wishing to accept payments in
cryptocurrency.
Joys allows to legally conduct mutual settlements between members of
Joys’ system and stores — online and retail. We provide connection of
blockchain projects to the platform and integration into POS-systems at
sale points. This keeps the team of projects that want their crypto currency
or tokens to be accepted in stores, away from the need for long, heavy and
expensive integration into POS systems. Also, under certain conditions,
they do not need to receive a separate legal opinion themselves in each
country and buy expensive licenses.
With the help of Joys, buyers will be able to use cryptocurrenc...

marketing campaigns or include mlm-schemes to attract new customers.
Payment of taxes and compliance with the laws of each country are the
seller’s responsibility. But we check the source of funds and ensure the
identification of customers
3
.
2.2. Solved problems
Joys value for the blockchain community
The financial system is the most powerful branch in the world, the basis
of world capital, and its leaders today can be considered the masters of
the planet. The world financial system daily passes through itself trillions
of dollars, serves billions of people and supports the global economy
with a total value of more than 75 trillion dollars. And it is built on debt
obligations, which often do not have real value. Contrary to popular
opinion among most people, banks do not give out loans to customers,
using deposits and balances on accounts of other, thriftier customers.
Instead, banks “print” money when issuing loans: Every time a bank lends
a loan, it rele...

Secondly, cryptocurrency is provided with at least the energy
spent on their creation, and the value of the network equipment
that calculates the blocks;
Thirdly, cryptocurrency cannot disappear. No one can arbitrarily
write off or destroy them, digital savings cannot be canceled
because of an error or negative balance;
Fourth, the previously known and unchangeable amount of crypto
currency emission guarantees the impossibility of depreciation
of assets due to unforeseen inflation. It leads to deflation and an
increase in the cost of cryptocurrency: the more you own money,
the more valuable it becomes;
Fifth, the block system is not subject to external intervention.
Despite the obvious shortcomings of the existing financial system and the
advantages of monetary systems based on blockchain technologies, it is
necessary to go an evolutionary way towards mutually beneficial interests,
the gradual mutual penetration between real and digital economies, effective
and attractiv...

if the partner does not have its own cryptocurrency or tokens and the project
needs it. Project Rate & Goods was the first to build Joys solutions to encourage
users for social activity in the application, and before the launch of ICO Joys,
this functionality will be activated. Joys and the International Payment System
123 decided to combine the infrastructure of the two projects to expand the
ability of customers to use the cryptocurrency to pay for goods and services in
a large number of countries. We will continue to work to support and partner
with other projects, increasing the value of our work. We believe that this
approach will give the project a powerful competitive advantage in the market
and will contribute to the growth of the price of JOYS’ cryptocurrency.
Value proposition for merchants
Not only money develops, but also people who use this money. Today’s
geeks, who are already involved in the new blockchain economy, will
tomorrow change the world and bring millions, bil...