Tawarruq Token
Tawarruq Token
Token: TWQ


Re-Shaping Personal Financing

ICO dates
Start date: 2018-02-19
End date: 2018-04-29

Registrated in: Cayman Islands

Platform: Ethereum
Type: ERC20

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Tawarruq Token categories
Banking Platform
Tawarruq Token whitepaper
Video
Tawarruq Token token sale
KYC passing required No | Whitelist No | Restriction for countries USA
Hard cap 47,000 ETH
Tokens for sale 235,000,000
Token distribution in ICO
60%
60%
Price 1 TWQ = 0.0002 ETH
Acceppting ETH
Tawarruq Token news, social
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Random whitepaper excerpts

Table of Contents
Legal Notice

3
List of Abbreviations

8
Twq Tokens : Initial Coin Offering Summary Terms & Conditions

9
1.Executive
Summary

10
2.The
Current P2P Lending Landscape

12
3.Problems
in the Current Landscape

15
4.Our
History

16
5.Our
Solution to the Problems

18
6.Our
Differentiating Factors

42
7.Crowdsales,
Distribution and Allocation

50
8.Our Roadmap and Target Markets

53
9.Management
Team, Advisory Board & Partners

57
10.Conclusion

63
Page 2 of 64
...

Legal Notice
PLEASE READ THIS ENTIRE SECTION CAREFULLY. IF YOU ARE IN DOUBT, PLEASE
CONSULT YOUR LEGAL, FINANCIAL, ACCOUNTING, TAX OR OTHER
PROFESSIONAL ADVISOR(S).
1. RESPONSIBILITY STATEMENT
This White Paper has been issued by iP2PGlobal Ltd. (“iP2PGlobal”) and approved by Virtue
Fintech FZ-LLC (“Virtue”), collectively known as the “Parties”, and both parties accept full re-
sponsibility for the accuracy of the information given and confirm that, after having made all
reasonable enquiries, and to the best of its knowledge, information and belief, there are no
false or misleading statements or other material facts the omission of which would make any
statement in this White Paper false or misleading.
2. IMPORTANT NOTICE AND GENERAL STATEMENTS OF DISCLAIMER
2.1 iP2PGlobal and Virtue is providing this White Paper on a confidential basis to potetntial
persons for the sole purpose of providing information on the Tawarruq Smart Contracts
(hereinafter to be referred to as “TW...

2.4 The distribution or possession of this White Paper in or from certain jurisdictions may
be restricted or prohibited by law. Each recipient is required by iP2PGlobal and Virtue
to seek appropriate professional advice regarding, and to observe, any such restriction
or prohibition. iP2PGlobal and Virtue do not accept any responsibility or liability to any
person in relation to the distribution or possession of this White Paper in or from any
such jurisdiction.
2.5 No person is bound to enter into any contract or binding legal commitment in relation
to the TWQ Tokens and no cryptocurrency or other form of payment is to be accepted
on the basis of this White Paper.
2.6 Any agreement in relation to the crowdsales of TWQ Tokens is to be governed only
by a separate document which sets out the terms and conditions of such agreement
(the “TWQ Terms”). In the event of any inconsistency between the TWQ Terms and this
White Paper, the TWQ Terms shall prevail.
2.7 No regulatory authority has exami...

2.12 None of the information or data contained in this White Paper has been independently
verified by iP2PGlobal and Virtue and no representation or warranty, express or implied,
is given or assumed by iP2PGlobal and Virtue as to the authenticity, origin, validity, ac-
curacy or completeness of such information and data or that the information or data
remains unchanged in any respect after the relevant date shown in this White Paper
2.13 iP2PGlobal and Virtue have not accepted and will not accept any responsibility for the
information and data contained in this White Paper or otherwise in relation to the TWQ
Tokens and shall not be liable for any consequences of reliance on any of the informa-
tion or data in this White Paper.
2.14 No person is authorised to give any information or data or to make any representation
or warranty other than as contained in this White Paper and, if given or made, any such
information, data, representation or warranty must not be relied upon as being autho-
rised by iP...

i. it is aware that the information contained in this White Paper may not be complete;
j. it is fully knowledgeable and aware of all matters concerning the subscribing and
investing in TWQ Tokens which may not be specifically set out in this White Paper
but which may be known to a person who can be reasonably inferred as having rea-
sonable knowledge and familiarity with the workings and intricacies of cryptocurren-
cies, Bitcoins, Ethereum and/or other types of tokens and it hereby irrevocably and
unconditionally confirms that it has an understanding of the operation, function-
ality, usage, storage, transmission mechanisms and other material characteristics
of cryptocurrencies, blockchain based software systems, cryptocurrency wallets or
other related token storage mechanisms, blockchain technology and smart contract
technology.
2.16 Neither the delivery of this White Paper nor the offering of any TWQ Tokens shall in any
circumstance imply that the information contained herein concerning iP2PGlob...

3. CONFIDENTIALITY
3.1 This White Paper and its contents are strictly confidential and the information herein is
given to the recipient strictly on the basis that the recipient shall ensure the same re-
mains confidential. Accordingly, this White Paper and its contents, or any information,
which is made available to the recipient in connection with any further enquiries, must
be held in complete confidence.
3.2 In the event that there is any contravention of this confidentiality undertaking or there
is reasonable likelihood that this confidentiality undertaking may be contravened, iP-
2PGlobal and Virtue may, at its discretion, apply for any remedy available to both
whether at law or equity, including without limitation, injunctions. iP2PGlobal and
Virtue are entitled to fully recover from the contravening party all cost, expenses and
losses incurred and/or suffered, in this regard. For the avoidance of doubt, it is hereby
deemed that this confidentiality undertaking shall be imposed upon the recip...

List of
Abbreviations
Unless defined otherwise:
AML
GBRC
iP2PGlobal
KYC
TRF
TWQ
Anti Money Laundering
Global Benchmark Rate Curve
iP2PGlobal Ltd
Know Your Client
Takaful Reserve Fund
Tawarruq Tokens
Page 8 of 64
...

Twq Tokens : Initial Coin
Offering Summary Terms
& Conditions
TWQ will be offered for sale based on summary terms and conditions as shown below:
1.
Token Name
TAWARRUQ
2.
Token symbol
3.
Nominal Value
TWQ
1 TWQ = 0.0002 ETH
4.
Amount to Raise
Hard cap: 47,000 ETH raised
5.
Additional TWQ to be issued for team
members and advisors
6.
Additional TWQ to be issued for bounty
program
7.
Additional TWQ to be issued for treasury
holdings
*For every 100 TWQ issued to the public, 25 additional
TWQ will be issued and retained for team members and
advisors
*For every 100 TWQ issued to the public, 10 additional
TWQ will be issued for bounty program
*For every 100 TWQ issued to the public, 5 additional
TWQ will be issued for treasury holdings.
8.
Pre-ICO start date
19th February 2018, 00:00 UTC
9.
Pre-ICO closing date
29th April 2018, ...

Tawarruq Token Roadmap

1
February, 2018
Pre-ICO starts TWQ Token commences.
Beta version of modified platform ready for testing.
2
April, 2018
ICO of TWQ commences.
3
June, 2018
iP2PGlobal modified platform launched and TWQ tokens ready to be used on the modified platform.
4
Q2, 2018
Development works commences on new platform using Smart Contracts.
Discussions with 3rd party credit scoring providers and verification providers.
5
Q3, 2018
Alpha version of new platform ready.
Integration of new platform with 3rd party credit scoring and verification providers.
6
Q4, 2018
Beta version of new platform ready for testing, with integration with 3rd party credit scoring and verification providers completed.
7
January, 2019
New platform launched.
8
Q1 - Q2, 2019
Focus on developing markets in Phase 1 countries of the Targeted Markets.
9
Q3, 2019
Mobile Application Development.Develop behavioural learning software to integrate into our credit scoring model.
10
Q4, 2019
Additional coins and tokens integration for financing.
11
2020 Onwards
Focus on Phases 2 and 3 countries of the Targeted Marketsv.
James Loy
James Loy Chief Executive Officer

Muhammad Radzi Ibrahim
Muhammad Radzi Ibrahim Head of Operations

Azli Noor
Azli Noor Head of Legal & Compliance

Azaraie Mohamad Ghazi
Advisor Azaraie Mohamad Ghazi Co-Founder & Advisor, Ableace Raakin Sdn Bhd

Azzizi Mohamad Ghazi
Advisor Azzizi Mohamad Ghazi Co-Founder & Managing Director, Ableace Raakin Sdn Bhd

Azli Noor
Azli Noor
Head of Legal & Compliance
Independent Auditor, FARAD Program
Rashdan Ibrahim
Rashdan Ibrahim
Director
Financial Advisor, Farad Program