SCAM COIN
SCAM COIN
Token: SCAM


SCAMSCAMSCAMSCAMSCAMSCAM Team consist of stolen team members from https://Nuggets.life

ICO dates
Start date: 2018-03-31
End date: 2018-05-04

Registrated in: Germany

Platform: Ethereum
Type: ERC20

PREMIUM ICO

HARA

Empowering billions by utilizing a global and transparent data exchange.
Ends in 177 days 11 hours
Goal: 17,000,000 USD
Price: 1 HART = 0.059 USD

Dominium

Dominium Blockchain – The one-stop-platform for everything to do with property anywhere in the world!
Ends in 146 days 11 hours
Goal: 17,500,000 USD
Price: 1 DOM = 0.25 EUR
SCAM COIN categories
Cryptocurrency
SCAM COIN whitepaper
SCAM COIN token sale
KYC passing required No | Whitelist No | Restriction for countries No
Price 1 RBC = 0.523 ETH
SCAMSCAMSCAMSCAMSCAMSCAMSCAMSCAMSCAMSCAMSCAMSCAMSCAMSCAMSCAMSCAMSCAMSCAMSCAMSCAMSCAMSCAMSCAMSCAMSCAM
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Random whitepaper excerpts

RubyCon Network: An infrastructure for
inclusive, community-owned financial
systems
Authors: Mary Anthia, Lauji Kop
[email protected],
[email protected]
Reviewers: Dauda Kerri, Parrl Jordan
Abstract
RubyCon is a project of hope for billions of people who are underserved by the current financial system
and are burdened by expensive and inconvenient access to financial services. They are excluded from
better solutions due to high costs, lack of proper identity, and poor access to banking locations, and
mistrust or poor understanding of the banking system. Furthermore, the learning curve of many existing
platforms, and reasons such as lack of access to infrastructure like electricity, ex-pensive access to
internet, and insu
ff
icient capital to afford a smartphone and a steep learning curve.
At RubyCon, we believe that technology should empower instead of displace existing communities
and networks in order to reach the understanding and trust needed for massive adop...

RubyCon Network: An infrastructure for inclusive, community-owned Financial systems
1
Abstract
1
Problem
3
Perceptions that the underserved have little value . . . . . . . . . . . . . . . . . . . . . .
3
Cost of providing and accessing
Financial
services . . . . . . . . . . . . . . . . . . . . . .
4
Lack of identi
fi
cation . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
5
Lack of trust and technological understanding . . . . . . . . . . . . . . . . . . . . . . . .
5
Lack of
Financial
literacy . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
6
Related Work
8
Building Blocks for Inclusive Financial Systems
10
Universal Access and Identity . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
12
Minimizing Cost through the Block chain . . . . . . . . . . . . . . . . . . . . . . . . . . .
12
Community Value Netw...

Problem
Access to Financial services, such as the ability to securely store and transmit value, take out
a loan, or insure your assets are fundamental to a person's ability to manage and grow their
wealth. For example, in 2002 when Mexican bank Banco Azteca opened more than 800 bank
branches speci
fi
cally focused on providing goods and services to the lower and middle income
population, there was a 7.6% increase in informal business owners, a 1.4% increase in
employment, and a 7% increase in average income
1
.
However, according to The 2014 Global Findex Database there are an estimated 2 billion
adults who are denied access to these services.
2
This exclusion of billions of people from
growing and accumulating their capital has disproportionately increased the gap between the
rich and the poor, leading to constant agitation in various regions, social instability and indirectly
causing political instability. This is both a humanitarian crisis and an economic cri...

1
https://openknowledge.worldbank.org/bitstream/handle/10986/4173/WPS4981.pdf
2
http://documents.worldbank.org/curated/en/187761468179367706/pdf/WPS7255.pdf
3
https://www.strategyand.pwc.com/media/le/DeNovo-Quarterly-Q2-2016.pdf
4
Mckinsey Report 2016, Digital Finance for All: Powering Inclusive Growth in Emerging Economies
...

Cost of providing and accessing
financial
services
Being able to provide affordable products and services are paramount when it comes to achieving
financial inclusion. However, with the overhead required to open and operate a branch including
property fees, staff headcount, and IT infrastructure, banks need to reclaim expenditures through
charging fees for services such as loans, account maintenance, ATM withdrawals and money
transfer, therefore requiring a certain level of return from their customers to be worth serving. As a
result, many areas where there is low economic development are left out of financial institutions'
target markets, leaving populations with limited and expensive options when it comes to managing
their money. For customers living in rural areas, the travel required to access Financial facilities
such as bank branches or ATM's can require more than a day's travel, becoming a costly and time
consuming activity. This is a leading barrier for 20% of the global unbanked, who cit...

Lack of identi
fi
cation
A staggering 1.5 billion people worldwide lack any form of valid identi
fi
cation
10
. Having o
ff
icial or
valid ID is essential for opening accounts and accessing financial services anywhere, but is not
something readily accessible or easily obtainable to those in developing countries. To make access
even more di
ffi
cult, the requirements for opening an account can be particularly onerous for low
income populations, requiring complicated paperwork and multiple forms of ID. This problem
begins at birth, as 50 million children each year go by unregistered without a birth certi
fi
cate to be
able to obtain ID later on, and with Sub-Saharan Africa and South Asia making up 73% of this
equation
11
. Children make up nearly a third of all those without ID and are vulnerable to
consequences of not having ID, including being at risk of entering into forced labor, marriages, and
human tra
f...

Modern Financial services such as mobile money and ePayments are helping to bridge the
gap between the banked and unbanked, but with new and unfamiliar technology comes
uncertainty surrounding its legitimacy, privacy, and security. There is a lack of trust in financial
technology, including ATM's and online banking, for fear that money won't reach the recipient.
In South Africa, fear of fraud involving ATM's and mobile or online banking services were the
number one reason that people preferred to transact in cash, believing it to be a more secure
way of settling payments or transfers than transacting through digital methods where money
was viewed as more likely to be gone forever.
16
Lack of
Financial
literacy
Financial illiteracy is an especially concerning issue in developing countries, and can be attributed
back to both a lack of available options as well as limited knowledge of how to make positive
financial
choices. Many people lack the education and understanding neede...

Related Work
There are many groups that have been working on this challenge, and each bring their own
approach to the table while experiencing some shortfalls.
Banks
have historically provided these services, and continue to account for the majority of -
Financial services worldwide. However, the high cost to serve, low profitability, and lack of identity
of the underserved makes them an unattractive market segment for traditional banks. As a result
many banks choose to focus on market segments that already have some degree of wealth.
Mobile money businesses have helped drive a significant improvement in achieving financial access
for those who were excluded from traditional institutions, and bridging the gap between the banked and
unbanked. They have been credited in helping to reduce the unbanked population from 2.5b to 2b.
22
Mobile money operators (or MMOs) such as M-Pesa have brought cheap, quick, and convenient money
transfers to underserved populations, which can later be used to obt...

SCAM COIN Roadmap

1
November 15th, 2017
Pre-ICO.
Every idea has to start somewhere. For us, this was inception.
2
November 20th, 2017
Rubycon ICO.
With a userbase of 200 members, we were only just setting up camp.
3
January 10th, 2018
CHP launch on RubyCon.
The release of our long-awaited token.
4
February 5th, 2018
RubyCon Listed in Exchanges.
A reason to say „Started from the bottom, now we’re here.”
5
March 14th, 2018
Mobile Application.
You know the famed Steve Jobs saying ”There’s an app for that?”. Of course, there had to be an app for RubyCon as well.
Alastair Johnson
Alastair Johnson Founder & CEO

Alastair Johnson
Alastair Johnson
Founder & CEO
Founder & CEO