PHI Token ICO

Index
page 4
page 8
page 13
page 19
page 21
page 27
page 33
page 35
page 40
Platform for Hybrid Investment
Executive Summary V.0.1.1
Introduction
Platform
for Hybrid Investments
The use
of a Blockchain in PHI
PHI Tokens
PHI Products and Services
Road Map
Company structure
and Team
Important information;
Forward-Looking Statements;
Risk Factors;
Phi Token Sale Terms and
Conditions.
...

1
Platform for Hybrid Investment
Executive Summary V.0.1.1
1.1
The actual Wealth Management industry
For a long time, too long actually, the Wealth
Management industry around the world
has been thriving thanks to high returns
generated from the twenty-year bond
rallies and from the returns of the American
equity indices and Emerging Markets.
This favorable scenario combined
with the poor financial knowledge of
customers has allowed us to generate
and maintain inefficiencies and high costs
in the distribution and management of
financial products.
The future of the financial market and
the rate at which it is, and has been
operating at, is not promising. With bond
returns holding a zero or even negative
value and the stock market carrying a
positive growth rate for nearly a decade,
it seems unlikely that the industry will be
able to sustain such trends. With returns
predicted to be low, it becomes apparent
...

1.2
Why a Platform for Hybrid Investments
DIAMAN Partners LTD intends to create
the first Platform for Hybrid Investment
(PHI), which allows investments in all asset
classes and investment vehicles including
crypto assets. It’s aim is to provide clients
with a fully digitized platform on which
to manage all savings and investments.
However, it relay on human wealth
managers to play a fundamental role in
identifying the real needs of clients and
in managing their emotions to avoid
classic behavioral finance mistakes. The
platform will be a Hybrid Platform for
Hybrid Investments, in other words, digital
process management with seasoned
professional for client interaction.
The PHI platform will solve the critical
problems of the Wealth Management
industry due to the following reasons:
It will reduce
the commercial supply chains
via digitalization and
1
lower the costs
of providing investment
serv...

Pre Sales
Amount of PHI Token™ in Pre-Sales
Pre ICO Start Date *
Amount of PHI Token in Pre-ICO
Minimum amount in pre-ICO
Duration of Pre ICO *
Discount of price
Option for early termination
Possibility of reservation contract in Pre-ICO
PHI Token ICO Start Date *
Amount of PHI Token in ICO
Duration of ICO *
Option for early termination
PHI Token reserved for Airdrop after 6 month
PHI Token reserved for Management Team
Minimum amount in ICO
Total number of PHI Token issued
Adjustable distribution
Further Tokens issues
Secured method for Tokens purchase
Mincap
Token distribution supported *
Token Generation Event (activation date)
*All the dates and discount percentage are subject to modify
6
closed
3.524.578
3
rd
March 2018
3.524.578
1 ETH
until 8
th
March 2018
21%
yes, upon reserving 3.524.578 Tokens
yes
8
t...

Copyright © 2018 DIAMAN Partners. All rights reserved.
1.4
PHI Token rewards
The PHI Tokens will have three main
preparatory features to increase the value
of PHI Tokens over time:
1) PHI Tokens as Stake
: Whoever wants
to use components of the platform,
such as asset managers and financial
planners, must own and immobilize the
PHI Tokens;
2) PHI Tokens as Payment
: The hybrid
investment platform and the developed
financial software will accept payments
in PHI Tokens offering 30% cashback,
thus encouraging people to pay with
this Tokens instead of fiat currency. The
company has deposited a patent to
increase the relation between the PHI
Token and the results of the business.
3) PHI Tokens Buy Back and Burn
rewards
: 15% of the performance fees
generated by the platform and 50% of
the annual tax refund obtained from the
payment of taxes in Malta (corresponding
to 15% of the company’s EB...

2
Introduction
2.1
The actual Wealth Management industry
The Wealth Management industry has
always effectively been a “push” sector
of activity, i.e. where it is necessary to
propose investments and through the
relationship with the client to encourage
them to invest in the various products
and services. Actually, potential clients
do not actively engage in the search for
investment solutions.
This necessity has led financial product
distribution companies to create complex
and structured sales networks to allow
maximum efficiency in sales, rather than
training or promoting financial advisors.
The business structure described above
has generated a very onerous and difficult
system to sustain over time and the
consequence is that financial instruments
have become increasingly expensive
and anchored to an obsolete and out-of-
market work architecture.
The main problems with this business
model are th...

to overcome these obstacles with the
introduction of digitization.
This form of automated consulting despite
significantly reducing costs incurred
by the client, still remains ineffictive in
solving the above-mentioned problems
in the economy/industry.
2.2
The European Wealth Management Market
Asset managers play a genuine social
role. They help families face the future in
the best possible way through a sound
and profitable management of money
over time aimed at achieving specific
goals and better managing the post-
employment phase. This operation
simultaneously provides capital to
companies contributing to their economic
growth, while investment in government
bonds helps their state of ownership to
keep the cost of debt low.
Therefore, there is no doubt that the asset
management industry plays an essential
role for the proper development of a
country’s economic and social fabric, so
it is imperative that...

Analyzing state by state the breakdown
of investments we note that the United
Kingdom alone accounts for one-third of
the whole of Europe, i.e. a large part of
the asset management industry is based
in London.
Very interesting data can be extrapolated
from the table above:
a)
The Italian market grew at a rate of
10% against an European average of
6% but it still only a small percentage of
GDP. A good growth potential;
b)
The United Kingdom represents a
huge part on which to affect, especially
following Brexit, which will inevitably have
an impact on the Anglo-Saxon industry
which will have to be distributed in the
various European countries according to
the various centres of interest;
c)
An important innovation like our
Robo-investing PHI platform aims to
become the new reference business
model which other companies will be
interested on.
This translate into opportunities for sales
of...