Polybius
Polybius
Token: PLBT


Regulated Bank for the Blockchain Generation

ICO dates
Start date: 2017-05-31
End date: 2017-06-30

Registrated in: Estonia

Platform: Ethereum

PREMIUM ICO

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https://polybius.io/ Screenshot
Polybius categories
Banking
Polybius whitepaper
Video
Polybius token sale
KYC passing required No | Whitelist No | Restriction for countries No
Tokens for sale 20,000,000
Sold tokens 3,100,000
Price 10.00 USD
Polybius news, social
Polybius search trends in Google
Random whitepaper excerpts

Table of contents
Polybius Prospectus table of contents
Introduc�on
1
What is Polybius?
2
ICO Structure
3
Polybius Milestones Plan
6
Polybius Bank and Payment Ins�tu�on Incremental Structure
7
Authorized Payment Ins�tu�on
8
Electronic Money Ins�tu�on
10
Commercial Bank
12
Digital Pass
14
Small and Medium Enterprise Financial Marketplace
17
Core Team
18
Regula�ons
20
Appendix 1: Preliminary Organiza�onal Chart and Key En��es
21
...

Introduction
Digitaliza�on of our daily lives is now an undisputed phenomenon, which is here to stay.
According to studies made in 2015 and 2016, over 80% of developed countries’ popula�on have
some access to the Internet. Furthermore, over 60% of European ci�zens own a smartphone. It
implies them being near constantly online.
With the world ge�ng more connected, an increasing number of companies strive to offer their
services and solu�ons online. Finance, educa�on, healthcare, commerce and leisure providers are
ac�vely moving towards digi�za�on in an a�empt to serve the exis�ng and find new customers
worldwide.
European Parliament, along with other regulatory authori�es across the globe are now ac�vely
outlining new rules and principles for e-services. The legal framework removes regulatory
uncertainty serving as a catalyst for the business migra�on online. We’ve undertaken a thorough
analysis of the latest trends including rules around eID, QES and Trustee servic...

What is Polybius?
While star�ng off as primarily a financial ins�tu�on, the
Polybius
project is meant to grow into
your daily servicer and companion ecosystem. It will aim to enable secure and seamless
connec�ons between life and the things we love and use every day.
The key elements of
Polybius
ecosystem are the
Polybius Foundation
and the
Digital Pass
.
Polybius Founda�on is the subject fostering the Polybius Bank or Polybius Payment Ins�tu�on
(P.I.) at the start. Its customers will not only get access to a variety of financial services, but will
likely be among the first to get the
PolyID
that will plug them into the
Digital Pass
environment.
Digital Pass
is an independent environment as a service, which will serve as a storage for
encrypted individual informa�on. The security of access to the informa�on will be enabled by SSL
cer�ficates, dynamic PINs and, to some extent, by biometr...

ICO structure
The
Polybius Foundation
is raising funds to support the establishment of the
Polybius Bank
or the
Polybius Payment Institution
and to deliver the respec�ve technologies. For that reason,
Polybius
Foundation
is issuing
Polybius Tokens
(PLBT) through the smart contract system operated by
Ethereum
(
ref to Annex 1
). The funds raised by the sale of tokens will be retained by the
Polybius
Foundation
un�l they will be used.
Polybius Foundation
is a public registered body with legal responsibili�es and is subject to audits.
This will ensure the transparency of opera�ons and the secure custody of the funds.
Polybius Token symbol
Token name:
PLBT Token - Polybius Profit-Share Smart Contract
A
Polybius Token
represents the right to receive a part of distributable profits of
Polybius P.I.
or
Polybius Bank
. All tokens in aggregat...

ICO structure
The tokens have not been and will not be registered under the United States Securi�es Act of 1933, as amended (the “Securi�es
Act”), and may not be offered or sold in the United States or to or for the benefit of US persons (as defined in Regula�on S under
the Securi�es Act) unless they are so registered, or an exemp�on from the registra�on requirements of the Securi�es Act is
available. One such exemp�on allows the resale of tokens purchased for their own account and for investment purposes only by
investors who (i) are not otherwise affiliated with the Polybius Founda�on, (ii) have been exposed for some �me to the economic
risks that ownership of tokens entails, and (iii) are not part of the distribu�on of the tokens.
Polybius Prospectus
4
...

ICO structure
Token Distribu�on:
• Distributed to users - 93%;
• Founders - 5%;
• Boun�es - 2%.
Bonuses:
• Day 1 – 25% token bonus;
• Day 2-7 – 20% token bonus;
• Week 2 – 15% token bonus;
• Week 3 – 10% token bonus;
• Week 4 – 5% token bonus;
• Week 5 – 0% token bonus.
Boun�es:
• Facebook campaign – 10.00% of bounty pool;
• Twi�er campaign – 10.00% of bounty pool;
• Bitcointalk signature campaign – 15.00% of bounty pool;
• Polybius thread support – 10.00% of bounty pool;
• Bitcointalk transla�on campaign – 15.00 of bounty pool;
• Exclusive support – 40.00% of bounty pool.
Boun�es are provided a�er the crowdsale ends. At the end of the crowdsale all sold tokens are
considered to be 93% of the total supply. The remaining 7% are then distributed among founders
and boun�es receivers according to the informa�on above.
The tokens have not been and will not be regi...

Milestone Plan
Polybius Milestone Plan
The road to crea�ng a bank involves many different aspects, such as licenses, compliances,
technologies, consor�a and crea�vity.
Below you can see the milestone roadmap that covers the most significant levels of financial
ac�vity that we will be achieving with our ICO. Every step milestone is meant to be incremental to
the preceding one and to be implemented according to the market response to the proposals.
ICO proceeds are intended to be spent mainly, but not exclusively on acquisi�on of licenses,
building out the systems, hiring the team and marke�ng.
At
Polybius Bank
or
P.I.
, we will rely on a set of public and private licenses instrumental to comply
with many regula�ons, exis�ng in the financial field. Among them are the public EMI and banking
licenses, the par�cipa�on in Card Schemes, the crea�on of regula�on-compliant iden�fica�on
mechanisms and other technical condi�ons to meet.

Incremental Structure
Polybius Bank and Payment Ins�tu�on Incremental Structure
The tokens have not been and will not be registered under the United States Securi�es Act of 1933, as amended (the “Securi�es
Act”), and may not be offered or sold in the United States or to or for the benefit of US persons (as defined in Regula�on S under
the Securi�es Act) unless they are so registered, or an exemp�on from the registra�on requirements of the Securi�es Act is
available. One such exemp�on allows the resale of tokens purchased for their own account and for investment purposes only by
investors who (i) are not otherwise affiliated with the Polybius Founda�on, (ii) have been exposed for some �me to the economic
risks that ownership of tokens entails, and (iii) are not part of the distribu�on of the tokens.
Polybius Prospectus
7
...

Polybius Roadmap

1
Authorized Payment Institution
P2P Loans Investment Portfolios EBA Clearing SWIFT Membership EPC Rulebooks API License Payment Services
2
Electronic Money Institution


Consumer and working capital loans Foreign Exchange Card Issuing and Payment Acquiring through a BIN Principal Member EMI License
3
Commercial Bank
Credit Cards Savings Deposits Open API Apps Card Scheme Membership Bank License
4
Digital Pass
Blockchain Big Data Applied AI Internet of Things eSignatures eSeals
5
SME Financial Marketplace
Venture Capital Crowdfunding Insurance Brokerage
6
Venture Capital, Crowdfunding
All funds over $25m go to the SME Financial Marketplace investment and operational capital
7
Insurance, Brokerage
All funds over $25m go to the SME Financial Marketplace investment and operational capital
Ivan Turygin
Ivan Turygin Founder, Business Development Chairman, HashCoins OÜ

Sergei Potapenko
Sergei Potapenko Founder, Business Development CEO, HashCoins OÜ

Nikolay Pavlovskiy
Nikolay Pavlovskiy Blockchain Engineering CTO, HashCoins OÜ

Vitali Pavlov
Vitali Pavlov Production Management Chief Product Officer, HashCoins OÜ

Renna Reemet
Renna Reemet Development Lead Developer, HashCoins OÜ

Edgar Bers
Edgar Bers Public Relations Business Development Manager, HashCoins OÜ

Tatjana Potapova, Ph.D in Economics
Tatjana Potapova, Ph.D in Economics Finance CFO, HashCoins OÜ

Andrei Veressov
Andrei Veressov Legal Attorney at Law, Bright Law Firm

Valentin Savchenko
Valentin Savchenko Chief of Digital Marketing HashCoins OÜ

Pavel Tsihhotski
Pavel Tsihhotski Support and Community Community Manager HashCoins OÜ

Alexandr Gromov
Alexandr Gromov Marketing CMO HashCoins OÜ

Andrei Veressov
Andrei Veressov
Legal Attorney at Law, Bright Law Firm
Legal Advisor
LEGAL REGISTRATION
Legal Advisor
Valentin Savchenko
Valentin Savchenko
Chief of Digital Marketing HashCoins OÜ
CMO WinWin Solutions, Estonia
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Director of Digital Marketing
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