Payportal
Payportal
Token: PPTL


Bill Payments and Money Transfers

ICO dates
Start date: 2018-05-21
End date:

Registrated in: India

Platform: Ethereum
Type: ERC20

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Payportal categories
Banking Cryptocurrency Platform
Payportal whitepaper
Video
Payportal token sale
KYC passing required Yes | Whitelist Yes | Restriction for countries USA
Soft cap 3,000 ETH
Hard cap 24,000 ETH
Tokens for sale 20,000,000
Token distribution in ICO
70%
70%
Price 1 PPTL = 0.002 ETH
Acceppting ETH
Payportal news, social
Payportal search trends in Google
Random whitepaper excerpts

Content
Background ................................................................................................................................................... 2
About our Company...................................................................................................................................... 3
The Challenges .............................................................................................................................................. 4
The Payportal Platform ................................................................................................................................. 5
Business model ............................................................................................................................................. 6
The Blockchain .............................................................................................................................................. 7
Revenue generation............................................................................

Background
According to the World Bank data, India, with a population of more than 1.2 billion, is the
world’s largest democracy. Over the past decade, the country’s integration into the global economy
has been accompanied by economic growth. Annual GDP growth is expected at 7.0% in FY18 and
inflation remained stable.
India remains the world’s leading recipient of international personal remittances, claiming
10.9% of global inflows, followed by China (10.6%) and Philippines (5.4%). Total remittance inflow
to India was $62 billion in 2016.
The Indian telecom sector has the second largest subscriber base and internet subscribers in
the world. In the last two decades it has transformed lives, and many sectors of industry and
economy from healthcare to financial services. Its growth is inextricably linked to mobile services as
a fundamental requirement for business. The users have been empowered from mere passive
consumers to active participants and have benefited from low tariffs, availability o...

About our Company
Payportal Services Private Limited (hereinafter referred to as “Payportal”)
is a privately-
owned company that has been established in 2011 under the laws of India by international experts
who have been in the payment services industry since 1996.
The Payportal establishes relations between service providers and their customers by
processing on-line recharges, bill payments and domestic money transfers in the most secure and
convenient way through a Payportal wallet.
The business area of our Company is Delhi where we successfully manage 80 distributors
and 2300 retailers. The Payportal team has grown to over 20 people with the most in sales. During
2017 Payportal has processed around 500 million rupees in payments that was 45% higher
comparing to 2016.
Detailed information about us is available at
www.payportal.in
3
...

The Challenges
In India, people from the streets trust more a person in a small street shop who is able to
make a mobile recharge or pay a bill in front of a customer. The habit comes from the deep of
history when people relations in India were based on trust.
Retailer shops in most of the cases are small private entrepreneurships, run by its owners.
Recharges and mobile bill payments usually have been offered by mobile operators in a way of
provision a special prepaid SIM card that can be used by a retailer to initiate the sms message to
some special number with the amount of a recharge and a customer mobile number. The sim card
requires a positive balance to cover outgoing recharges and blocks if there are no funds left.
Usually retailers have up to ten handsets available for recharges to different mobile or TV
operators. If a retailer is run out of balance at one or few sim cards he is awaiting the collection
service from particular mobile operator team and is not able to service its customers. Money o...

The Payportal Platform
The Payportal centralized platform connects Indian service providers like banks, mobile
operators, digital TV operators and utility companies with public through a wallet. Payportal wallet
number is linked to a mobile number of the wallet’s owner.
It only takes a few seconds to set up a wallet and two factors authentication process ensures
that our customer is exactly the person who owns the wallet.
A retailer does not need to think anymore about separate handsets, lack of service
providers and long waiting time for collection service. The multiple possibilities exist for a wallet top
up, there are: payment cards transfers, Netbanking, wire transfers to the Payportal bank account. In
addition, our Company negotiates the cash collection services with the nearest distributor and
allows depositing cash into Company bank account at the biggest Indian bank branches.
Finalizing the transaction within few seconds, making easy search in transaction history,
accessing the electronic...

personal computers and mobile web. Smart phone users can benefit from IOS and Android
applications available at App Store and Google Play.
Business model
In general Payportal establish relationships with various mobile, DTH, utility operators, banks
and manages connections for receiving and processing on-line recharges, bill payments and
domestic money transfers to customers’ bank accounts
from the market.
Payportal has appointed its distributors in various part of Delhi. Distributors in their turn
deal with their retailers appointed independently or by Payportal in the designated area.
Distributors and retailers mostly represent different shops that can be found on almost
every busy street in India. They sell electronic gadgets, mobile phones and all kinds of mobile phone
accessories such as mobile cases, flip covers, earphones, etc.
Both distributors and retailers are involved into provision of customer service like mobile
and DTH recharges, utility bill payments, domestic money transfe...

The Blockchain
The use of blockchain technologies is one of the most important tasks for the further
successful development of the platform.

Server decentralization will keep wallets data safe in case of hardware failure or
hackers attack.

Implementing a cross border money transfers service between Indian migrants living
abroad and their families in home country. As the Payportal has advanced experience
in domestic money transfers, we plan to realize this part of the project based on the
own blockchain and crypto currency PPTL Coin. PPTL coins will be acceptable as a
means of payment and will be convertible into Indian rupees for the final leg of
transaction.

All fees will be applicable in PPTL coins:
1) Monthly subscription to Payportal services (Bharat Bill Payment system, Aadhaar
Enabled Payment System) for retailers and distributors.
2) New retailer creation.
3) Retailer shifts to another distributor.
4) Emergency cash collection s...

Revenue generation
The Payportal receives a commission from mobile and TV operators, banks and other
partners that are partly shared between distributors and retailers. Transaction based surcharges
and monthly fees apply to retailers and partly to on-line customers.
Increase in the number of service providers, retailers and on-line customers leads to the
increase of a revenue.
Geographical expansion and increasing the number of retailers and distributors are crucial
for the exponential revenue growth.
8
...

Payportal Roadmap

1
2018 Q2
Finalizing an integration with BBPS.

Integration with Bharat Bill Pay System will extend access to all utility bills, issued by Indian companies across the country. Customers will be able to fetch own bills through Payportal platform and timely pay bills on-line or through retailers.
2
2018 Q3
Releasing new version of IOS and Android applications with DMT.

Domestic money transfer service is available at the moment on web based solutions of the platform and is required to be extended to smart phones applications that will increase the number of wallet usage by customers.
3
2018 Q3
Increasing the sales efforts for the area of Delhi.

Promotion of new BBPS services like electricity, gas and water among the biggest distributors and retailers in the market. Find leads for new distributorship.
4
2018 Q4
Advertising of Payportal wallet.

Running internet advertising campaign to attract and extend on-line Payportal wallet users.
5
2018 Q4
Development of own blockchain.

Development and implementation of blockchain technologies for decentralization of data, cross-border money transfer service and fees collection.
6
2019 Q1
Geographical expansion to the new areas close to Delhi (Faridabad, Ghaziabad and Noida).

Increasing the sales team, creating new distributors and retailers in new areas, promoting Payportal platform among retailers.
7
2019 Q2
Developing and implementing loyalty program for retailers and distributors.

Implementing a loyalty program, that will motivate retailers to increase sales. Distributors in turn, will improve the service quality and the number of new retailers. Additionally, our Company will introduce the number of own services to be used by retailers and distributors for redemption of loyal bonuses and receiving extra value.
8
2019 Q4
Geographical expansion to TOP 3 largest Indian cities and surrounding areas (Mumbai, Bangalore, Pune or Jaipur).

- Registration and opening new offices.
- Creation networks of distributors and retailers.
- Promotion of Payportal services.
- Creating co-branded payment products with banks.
Simon Cocking
Advisors Simon Cocking ADVISOR

Daniel Heller
Advisors Daniel Heller ADVISOR

Irina Travina
Advisors Irina Travina ADVISOR

Alexandr Shishlov
Management Alexandr Shishlov DIRECTOR AND CO-FOUNDER

Alok Yadav
Management Alok Yadav DIRECTOR

Yadhvendra Singh
Management Yadhvendra Singh HEAD OF BUSINESS AND ALLIANCES

Pavel Bannikov
Management Pavel Bannikov RESEARCH AND DEVELOPMENT HEAD

Timur Abdulkarimov
Management Timur Abdulkarimov HEAD OF ANALYTIC DEPARTMENT

Daniel Heller
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