TokenCard
TokenCard
Token: TKN


A platform for the post-bank era

ICO dates
Start date: 2017-05-02
End date: 2017-05-02

Registrated in: UK

Platform: Ethereum
Type: ERC20

PREMIUM ICO

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https://tokencard.io Screenshot
TokenCard categories
Banking Cryptocurrency
TokenCard whitepaper
TokenCard token sale
KYC passing required No | Whitelist No | Restriction for countries No
Tokens for sale 42,300,000
Sold tokens 42,300,000
Acceppting Fiat
TokenCard news, social
TokenCard search trends in Google
Random whitepaper excerpts

Contents
1 TokenCard Executive Summary
4
1.1 The Debit Card . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4
1.2 The TKN Token . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4
1.3 Cash and Burn . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4
1.4 TKN Creation Event . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4
1.5 Use of Funds . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5
1.6 Prudence: Reserve Tokens . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5
1.7 The Future . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5
2 Motivation
5
3 User Scenarios
6
3.1 Remittance to Mom . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 6
3.2 E-sports gamer and trader . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 6
3.3 Indonesia...

CONTENTS
CONTENTS
7.1 DGX Purchase Example . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 13
7.2 Cash and Burn . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 14
7.2.1 Definitions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 14
7.3 Cash and Burn Example 1 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 14
7.4 Cash and Burn Example 2 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 15
7.5 Economic Consequences of The TKN Model . . . . . . . . . . . . . . . . . . . . . . . . 15
7.6 TKN Fee Reduction . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 15
7.6.1 Portfolio Spending Example . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 15
8 Technology Roadmap
15
8.1 Contract Wallet . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 16
8.2 Contract Wallet Access . . . . . . . . . . . . . . . . . . . . . . . . . . ...

1 TOKENCARD EXECUTIVE SUMMARY
1 TokenCard Executive Summary
1.1 The Debit Card
TokenCard is a debit card usable at payment terminals around the world, including ATMs. TokenCard
customers back/fund their own card with allowances from ERC20 compatible contract wallets. At
launch, TokenCard will allow users to fund their card with ETH, TKN and up to five of the following
tokens that will be elected for inclusion by the community: REP, MKR, DGD, ICN, MLN, GNT, 1ST
and SNGLS.
1.2 The TKN Token
TokenCard is creating the TKN tokens for a limited time. A fixed number will be created during the
presale, and no more will be created thereafter. The TKN Token provides a TKN holder with the
right to use the TokenCard for transaction using TKN without having to pay additional licensing
fees (transaction fees charged by third party card issuers and payment system providers remain
applicable). Payments made with TokenCard using tokens other than TKN is, however- in addition to
the transaction fee c...

1.5 Use of Funds
2 MOTIVATION
1.5 Use of Funds
The proceeds from the funds will finance development, partnership programs, float (both fiat and
token), operations, regulatory and most importantly, marketing and customer acquisition.
Most of these costs are somewhat fixed. For more details read our Use of Funds section 9.7.
Because of this, any money we receive from pre-sales over our minimum will largely go to marketing
and customer acquisition. This creates a value multiplier for the project: as we have more money we
will be able to spend a higher percentage on customer acquisition and boost spending commensurately.
We believe issuing TokenCard in China will be critical to building the transactional volume for the
card. Entering the Chinese market from the outside can be difficult and expensive; the more successful
our TKN creation event, the more quickly we will be able to capture this market.
1.6 Prudence: Reserve Tokens
We have some concerns about other project’s capitalization in ...

3 USER SCENARIOS
Over the years numerous attempts have been made to bring cryptocurrency to the masses yet adoption
is still slow and cumbersome. These companies and projects have failed to identify and address the
main issues present in making mass adoption of digital assets possible. The core issues remain:
1.
Security
, storing assets is cumbersome and inevitably people choose to store their assets
under a third party’s control, like an exchange. This defeats one of the greatest properties of
cryptocurrency, and exposes them to risks that have consistently proven to be catastrophic.
A
system is needed that can securely store assets without compromise on usability.
2.
Usability
, numerous steps are often involved in seeing real use of one’s digital assets. A user
needs wallets, exchanges and accounts on various services. They are required to withdraw,
deposit, do KYC and even become amateur traders.
A system is needed that eliminates
these steps, and o...

3.3 Indonesian worker
4 TOKEN PLATFORM DETAILED OVERVIEW
Sonja is tired of moving money around between REP, 1ST and her bank account. Her bankers are
confused by where she gets her money. She decides to close her bank account altogether and get a
TokenCard.
She is starting to learn more about the decentralized economy and is glad she has a TokenCard; any
earnings are directly available to be used in the real world. No action required. She recently uploaded
a popular video to SingularDTV and can see her SNGLS balance grow steadily in the Token App. She
won’t look back.
3.3 Indonesian worker
Amir lives in Indonesia. He works hard and saves money for his family. In the past his savings have
lost a lot of their value as a concequence of national currency fluctuations. This doesn’t sit right with
him, so he has been looking for solutions. Disapointingly local banks only support Indonesian Rupiah
and other services are hard to apply for.
Amir was able to apply and do KYC directly from ...

4.2 Token App
4 TOKEN PLATFORM DETAILED OVERVIEW

Setting daily limits to safeguard assets

Setting up a base currency for example ETH (any fiat deposited into this will automatically
convert upon load).
Typically digital currency security is a tradeoff between usability and functionality. Users must trade
security of their funds for convenience when they decide whether to hold tokens themselves or leave
them at an exchange. We think we can do better.
By shifting control of user assets back into their own hands and giving them easy to manage fine-grained
control of their digital assets safeguarded by the security of smart contracts, users can have better
security and substantially improved usability.
4.2 Token App
The Token App is the main way a user interacts with his Token Contract Wallet and TokenCard. The
Token app operates the Token Contract Wallet and gives customers a simple way to access their token
portfolio and manage their debit card and security pr...

4.3 Fees
4 TOKEN PLATFORM DETAILED OVERVIEW
4.2.5 Other Items on The Roadmap

Simple integrated token-to-token asset exchange functionality

Automated token portfolio rebalancing
4.2.6 Charts and Dashboards

Loading – history of how much, source

Spending – how much (fiat & token) and where (Starbucks)
– map (API) integration
possible

Blockchain transaction info
(who to & how much)

Platform earnings

Asset income (Dividends accumulated from tokens)

Estimated cost basis for acquired tokens
4.2.7 Top tier UI/UX

Accessible for non-Ethereum users (simple & intuitive)
– In-app KYC

Financial Management tools
– Basic Graphs and Charts

Budgeting tools

Payment categorization

Push notifications whenever a transaction is made
4.3 Fees
As we will be work...
Mel Gelderman
Mel Gelderman Project Leader

David Hoggard
David Hoggard Partnerships and Finance

Peter Vessenes
Peter Vessenes Technology

Abib Bocresion
Abib Bocresion Business and Finance

Andreas Glarner
Andreas Glarner Legal Expert

Dennis Peterson
Dennis Peterson Senior Solidity Engineer

Paige Freeman
Paige Freeman Sales and Marketing

JC Figueroa
JC Figueroa Director of Operations

Peter Vessenes
Peter Vessenes
Technology
Managing Director
Chief Cryptographer