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zuflo.io

Zuflo
Zuflo aims to be a trading & financing platform for the industry 4.0 era using technologies like Executive Summary “Our mission is to form an easy to use integrated Blockchain/Sidechain platform for trading & financing where the needs of the user comes first.” Our Mission Blockchain & Artificial Intelligence to reduce the number of counterparties, thus lowering the cost of services and for the end consumer along with state of an art new trading & banking features. Zuflo will allow platform users to improve efficiency, error reduction, time savings, and straight-through processing without any intermediaries, and with AI (Artificial Intelligence) Management tools. In addition Zuflo will enable/empower more control and more transparency of dealing banking and trading operations. Most of the ICOs look very complicated to understand as they are brining innovative solutions with advanced technological ecosystem. The objective of this white paper is simplify the usage & implications of Zuflo. This white paper sketches the core constituents encompassing Zuflo, how they interact, and points how the network can be secure and efficient providing multiple passive income streams. 

“Our mission is to form an easy to use integrated Blockchain/Sidechain platform for trading & financing where the needs of the user comes first.” 

Millions of global citizens have minimal access to banking services and are forced to take out 14 credit lines from informal channels with annual interest as high as 4,000 percent. It’s not that conventional banks don’t want to serve more people, it's just that it's unprofitable for them to do so in remote and less populated areas. Digital transformation is lagging for SME lending big time. Getting a short-term loan can be an excruciating task, especially for the small and medium scale enterprises which do not know the strings. It is mentioned in a credible small business survey, that even with the advent of newage online lending platforms, small businesses continue to find troubles while seeking capital. The survey also revealed that 45% of the loan applications were rejected more than once, and 23% were unaware of the reasons their applications were rejected. Similarly holders of digital assets have limited liquidity options in today’s cash based digital economy.

Inefficiency of Current Trading Platforms Without blockchain, SME lenders cannot: 
  • Launch business quickly and provide new value propositions 
  • Improve spreads and margins
  • Reduce operational risk and costs 
  • Comply with regulations across regions 
  • Perform real-time accounting 
  • Gain a 360 degree view of each customer 
  • Mine data and provide real-time customer dashboards and reporting
Zuflo will issue a total supply of 500 Million ERC-20 tokens. Zuflo is opening its crowd sale on May 01, 2018 which will continue till May 30, 2018. 




ZFL is a utility token designed to facilitate efficient transactions of a wide range of assets on our exchange whilst also operating as a medium of exchange and a store of value that could become more valuable in line with the growth of users and increasing use of the trading platform.

Rights of Token Owners 
It is important to be clear that Zuflo tokens (ZFL) do not represent shares, or any equivalent ownership stake, in the company whatsoever. ZFL tokens do not grant holders rights representing any of the following items: 
  • Anyone interested in joining ZFL token sale, be aware that this WILL NOT GIVE: 
  • Ownership or equity interest in a legal entity or partnership; 
  • Voting powers or influence over the company; 
  • Entitlement to a share of profits and/or losses, or assets and/or liabilities; 
  • Control over access to company funds; 
  • Provide a holder with any type of creditor or debtor status; or 
  • Right to repayment of purchase price and/or payment of interest, including dividends. 
 

Zuflo Roadmap
A project as huge as Zuflo would not succeed without a thorough strategic planning and expansive vision. Therefore, we put so much emphasis on writing every milestone down, and having reached it, proceed to the next one already pre-planned. Having a roadmap is very important for Zuflo, as it keeps us focused on the present moment, and allows us to zoom into the future, once the targeted milestones are reached. 


Zuflo Team
We are trading & FinTech professionals with years of experience in developing sophisticated trading and FinTech algorithms for trading and financial institutions. Our team have profound understanding of all the needs of professional traders, lenders and borrowers and we are not satisfied by what we can get out of the current market state in cryptocurrency exchange, trading and lending.
We are a strong and experienced team both in technical terms and in building successful startups. Each member has a unique character trait that, when combined together with those of other members, creates a perfect synergy. This ensures that the probability of our success is very high. We have years of demonstratable experience in this field and are eager to put that to use in the ambitious Zuflo project.  




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Cubomania

SMART CONTRACT

Agreement between prospective students and content providers will be attained with the least possible involvement of intermediaries through Ethereum-based smart contracts. The inefficiency and vulnerability of modern payment systems, and most importantly cash payment protocols, provide fertile ground for a variety of fraud schemes and tricks to cheat buyers or sellers. In the Cubomania ecosystem smart contracts completely exclude the possibility of being cheated on under condition of content pre-moderation. Ethereum-Blockchain-based smart contracts will enable access to the services of “unconditional trust” level. 
On a practical level this means that people can buy learning programs and characters or get rewards for achievements from people from the other side of the world without knowing if they are honest or not and still have full confidence in success of the deal. Thanks to indestructible blockchain database any ecosystem player can check the blockchain and make sure that he can trust the seller’s reputation and the exchange mechanism while learning programs suppliers can make sure that the buyer has sufficient means to make the payment. 
Also, the Cubomania platform will offer students online courses with a clear and transparent blockchain-based reward system and achievement tracking which will be referred to as a smart incentive. Smart-incentive is a smart contract on Ethereum network ensuring the exchange of tokens between a sponsor (the Incentive Provider) and a student (the Incentive Taker), who is committing to study a specific subject in order to receive tokens (the Incentive). Any company (for example, a technology or service supplier), public institution (a school, a college or a university) and even ordinary citizens can become creators of a Smart Contract.


When registering in the system a student fills in the test form without their parents’ help, answers a number of test questions in order to figure out their socionics type for implementing the main idea of personalized learning - it’s not the student who adapts to the restrictive limits of the system, but it’s the system that adapts to the personality of the student. On the basis of test results the system selects the most efficient personality type of the teacher for a particular child (in our case it is a virtual character) who will be able to find an approach to the student and give them knowledge as fast as possible. Also, students will be able to choose training courses from the list of courses available for them in accordance with their achievements and completed programs (i.e. their XP ‘experience’). 

All the students participating in maintaining the Smart contract will record their result and the way of completing their “Quest” (learning activities) into the blockchain forever. Using the CUBO Token will enable us to use incentives (token bonuses) for any student in the world, which is quite difficult at the moment because of the drawbacks of fiat currency systems. All the programs will go through 2 stages of moderation. The first stage is manual moderation which is carried out by a special department whose employees filter trolls and inadequately developed programs. The second stage is running the program through the moderation neural net. The education program and the character are moderated by a special neuronet that detects the potential mismatch in characters and creates different models of interaction between a teacher and a student. As a result, the net will determine the students for whom the program is not suitable as well as those for whom it will be most efficient as this idea builds on the compatibility of a teacher (a virtual character) and a student.


It’s a new week, a new beginning. And this week starts with a hot announcement. Vladymyr Spivakovsky has joined the Cubomania advisory board and will contribute to Cubomania in the area of creating educational content for children!
What makes this news so special for Cubomania? The reason is that Mr. Spivakovsky has unique experience in disrupting the conventional system of education and reforming it into innovative educational environment. This is exactly what Cubomania strives for!

Vladimir Spivakovsky is a successful businessmen, well-known scientist, author and a public figure. Over 50 business projects, doctoral degree in Economics, 7 bestseller books, 56 patents, and 2 records in Guinness Book are only a few examples of his achievements. However, it is his educational initiatives that deserve particular attention.


To tackle problems of today’s education system globally Mr. Spivakovsky has raised 7 basic questions that touched the most critical points in the most comprehensive way. And tried to answer them. The questions were as simple as that:
Why learn?
What to learn?
How to learn?
Where to learn?
Who will teach?
How to finance?
What will the results be?

Answering those appeared to be his major activity for the last decade. Thus, he created his own educational platform based on his vision of these problem-questions and called it 7W.
Among all the innovations that he suggested the fundamental one is the shift from subject-oriented to case-oriented education, that was implemented at his platform. At first, Vladymyr Spivakovsky created a number of free case-lessons and put them online. Immediately after that it gained popularity among educators and pupils as they combined both fundamental knowledge and practical skills in modern packaging. That all ended up in online Knowledge Hypermarket 7W with 60k+ case lessons that are used by 675 schools from 12 countries. The platform itself servers 2,5m online visitors monthly.
At the same time, Vladimir Spivakovsky directed his efforts towards improving offline education. His private school, the ‘Grand’ Lyceum, is a bright example of 7W approach implementation, which allows the school to hit the world rankings and get accreditation from international authorities such as NCPSA.

The ultimate goal of all educational elements was brought to the entirely new level, once Spivakovsky developed a concept of a 7-star Global School Network. He believes that education of the future will be centered around several huge Educational Platforms like it is now happening on the smartphone market (Apple, Samsung, Xiaomi) or in a hotel business (Hilton, Hyatt, Ritz Carlton).
They will compete with each other, suggesting different approaches to educating students. So the sooner we admit such a turn of events, the better we will be prepared for the future. Therefore, having the layout of a 7-star Global School Network ready, Spivakovsky believes to be one step ahead and bring the future closer.
Spivakovsky’s concepts and ideas about transformation of a conventional education system also received decent international recognition. For instance, in 2016 Spivakovsky and his 7w platform participated in the all-American Contest “XQ: The Super School Project”, initiated by Powell Jobs and made it to the contest finals outpacing 700 other submissions. On top of that, Spivakovsky also took part at Yidan Contest in Hong Kong and HundrED in Finland.

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Zuflo.io

Executive Summary 

Zuflo aims to be a trading & financing platform for the industry 4.0 era using technologies like Executive Summary “Our mission is to form an easy to use integrated Blockchain/Sidechain platform for trading & financing where the needs of the user comes first.” Our Mission Blockchain & Artificial Intelligence to reduce the number of counterparties, thus lowering the cost of services and for the end consumer along with state of an art new trading & banking features. Zuflo will allow platform users to improve efficiency, error reduction, time savings, and straight-through processing without any intermediaries, and with AI (Artificial Intelligence) Management tools. In addition Zuflo will enable/empower more control and more transparency of dealing banking and trading operations. Most of the ICOs look very complicated to understand as they are brining innovative solutions with advanced technological ecosystem. The objective of this white paper is simplify the usage & implications of Zuflo. This white paper sketches the core constituents encompassing Zuflo, how they interact, and points how the network can be secure and efficient providing multiple passive income streams. 


Blockchain is an immutable, shared ledger that provides needed visibility across the business network 
Blockchain allows collaboration between several parties that may not know each other, or that are located in different geographical locations. It's like an account ledger that you insert information, similar to a database, he said, but once that information is in there, it is extremely challenging to alter it. "Blockchain allows a level of trust develop". Specially, within the financial sector, blockchain technology has a big impact. Buyers and sellers need to have mechanisms they can know and trust to handle their financing, and blockchain is being very actively piloted in that area.
With blockchain, participants in the transaction: 
  • Share a single platform with secure access 
  • Receive a full view of the process
  • Are able to drill down to see all steps in the process 
  • Can see exact moment when a delay or error occurs 
  • Remedy problems without filing a dispute 
  • Achieve on-boarding and quick installation without disruption 

Incorporation in Estonia
Zuflo is incorporated in Republic of Estonia due to several features. Estonia regulates cryptocurrency exchanges and this gives Zuflo’s investors and users a confidence. Relatedly there are no limitations as to cryptocurrency investments, so the country is more than preferable for companies that hold an ICO. The friendly attitude of local regulators and its EU membership also seem to be important for Blockchain companies. Zuflo also appreciates that the regulatory conditions for ICO are friendly and Estonia offers low costs for running a business which will benefit all the Zuflo’s stakeholders.

Challenges with Current Trading
The ease of use/ the lack of user‐friendliness: Sending and receiving digital money is still cumbersome,because each time the user decides to spend cryptocurrency, he/she is required to visit three different websites to be able to do simple operations such as setting up a wallet, making an exchange or spending cryptocurrency. Users are also lacking confidence in the safety of their funds. 


Zuflo as Trading Solution

Easing Entry to Crypto Trade
Crypto trade rapidly growing market where investors are seeking for an exceptional opportunity of growth. However, so many users consider it is too complicated to enter in crypto trade and feel burden for themselves. Number of exchanges in the space extends trade facilities among cryptocurrencies but most of them are limited to specific geographic regions. To overcome the geographical barrier and fiat currency to cryptocurrency trading, Zuflo is a new platform which is meeting the present market needs.

Integration of Fiat & Cryptocurrency Exchange 
Both crypto & FIAT exchange markets continue to evolve. It now requires a single platform that will allow high liquidity for a variety of crypto & Fiat assets as well as efficiently provide an interoperable trading environment - saving on time and compounding fees from multi-step trades. Zuflo is offering a unique platform to a large number of active cryptocurrency trading community where they can exchange between fiat currencies and top ranking cryptocurrencies with P2P system. Allowing secure and safe transactions among several Fiat & cryptocurrencies with low trading rates allows us to make unique choice among cryptocurrency trading community. 

Disintermediation 
Our key function of creating a decentralized cryptocurrencies exchange is that no third party would hold cryptocurrencies and digital assets. They are directly transferred from one owner to another in a P2P (Peer to Peer) model. The key function of a decentralized cryptocurrencies exchange is cryptocurrencies and assets are not held by any third party. They are directly transferred from one owner to another in a P2P model. Zuflo decentralized exchange is operated through two components. The first one is a multi-cryptocurrencies open source wallet. All keys are created locally on user’s device and never sent to any server. Users control their private keys, can send and receive funds, export wallet, and encrypt the wallet with a password or seed phrase. Developers can develop and add new assets through an open plugins system keeping the wallet lightweight. 

Trade-on-the-Go Functionality
With Zuflo we are committed to create a whole new user experience with mobile app for trading along with state on an art desktop platform.  

Secure & Safe Wallet 
Our customers would have the safety of their cryptocurrency and fiat currency with unique encryption technology as we are going to make our platform highly sophisticated in terms of security. 

Contemporary Trading Features
Our core aim is our customer’s satisfaction and removing out all the disadvantages of the existing exchanges globally. Zuflo is rolling out the trading platform in the following order:
  • Spot trading
  • Margin trading 
  • Futures 
  • Anonymous instant exchange 
  • Decentralized network exchange  

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ZUFLO.io

THE ZUFLO ICO PRE-SALE IS LIVE – FIRST INTEGRATED FX / CRYPTO TRADING AND FINANCING PLATFORM ON BLOCKCHAIN / SIDECHAIN POWERED BY ARTIFICIAL INTELLIGENCE
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DAGT

A. DAGT Project Focused on Service to Blockchain Asset Holders


Since 2017, blockchain assets have been developing at home and abroad. According to data from coinmarket.com, the total market value of blockchain assets in 2017 was approximately USD 600 billion. Although there is a huge gap between the value of digital assets and the global market value of gold and common stock, digital assets are already 20 times the value of the previous three years.
Although many enthusiasts predict that the market value of blockchain assets may decline, based on the huge gap between blockchain assets and the market value of gold and common shares, they are still convinced that the long-term direction of digital assets needs Regulatory compliance to ensure further development. However, for many current digital asset holders, during the period when the value of blockchain assets is increasing, certain digital assets are locked into smart contracts to obtain liquidity for part of their funds. This needed liquidity makes daily shopping, tourism and other consumption possible. We can enjoy the added value brought about by the rise of digital assets, and this kind of demand is constantly expanding.

Recently, the Digital Assets Guarantee Token (DAGT) project (www.dagt.io) was launched by a non-profit foundation in Singapore (Granddream), to solve this problem for digital asset holders. DAGT utilizes Ethereum and smart contract technologies to successfully create the first decentralized digital asset credit platform. On the one hand, the digital asset holders who meet the capital requirements are connected with qualified financial institutions who lend money. When digital asset holders have funding needs, they can use DAGT to lock their own digital assets into smart contracts. In the meantime, DAGT will issue corresponding credit qualifications. The cooperative lending institutions will provide appropriate financial services based on the credit qualifications.
Adopting the features of blockchain technology, DAGT has created a decentralized, transparent, tamper-proof, and distributed credit system. Through the distributed ledger, features such as asset transfer and storage are established. DAGT has redefined the value of the borrower’s digital assets. Meanwhile, built on the transparent and open smart contract of the Ethereum platform, DAGT, and financial institutions will realize the concept of decentralization and achieve a multi-win-win goal.
The year 2018 is the outbreak of blockchain technology. The application scenarios of blockchain technology in various industries will be “emerging”. The future of network security, securities trading, insurance, and logistics will all employ blockchain technology to completely subvert traditional business models. DAGT applies blockchain technology to the digital asset credit field and establishes a trusted distributed credit system with transparent information, efficient collaboration, and high-speed digital asset value transfer through blockchain technology and smart contracts. Digital asset holders can enjoy the added value of blockchain assets while gaining liquidity of their funds.
B. Check out DAGT’s design principle to learn how it works




























































































C. DAGT, a Platform Make Your Digital Assets Fly (Part 2)


First, the advantages for C-side digital investors:
Increase the liquidity of funds. Pledging a certain amount of digital assets can obtain funds from B-side compliance loan agencies and increase the liquidity of individual funds and value of digital assets which are used for investment, financial management, daily consumption or travel.
Increase the security of digital assets. “Blockchain +”, as the underlying technical structure of fintech, realizes the centralization of credit verification, transaction data that cannot be tampered with, capital circulation as well as financial transactions and transparent risk management.
Increase the long-term stability and security of digital assets (avoid forced close positions from exchanges). When using leverage to invest in digital exchanges, you may be forced to close your position because of a substantial shock in the prices of your digital assets, non-fulfillment of your additional bond obligations, irregularities in policies, or temporary changes in trading rules. The DAGT platform can help you avoid the losses. DAGT provides fund services to digital asset investors with a lower digital asset/liability ratio, boosting investor confidence in the risk of large market price shocks. In the meantime, according to investors’ needs, DAGT can promptly carry out currency-taking operations to ensure the stability and security of long-term digital asset holdings.


Second, the advantages for DAGT token holders:
Value-added benefits: When DAGT is listed on exchanges, you can get multiple value-added benefits.
Dividend income: In the DAGT project operation process, dividend income will be distributed according to a certain proportion and time.
Fund services: DAGT tokens are valuable in their own right. Users pay for credit facilities through the use of DAGT token for funding services provided by compliant financial institutions in cooperation with the DAGT project. (There are already several CFL partners as of now).
Third, the advantages of a B-side lending CFO:
Quality borrower: At present, the digital currency in circulation has reached as high as USD 200 billion and a large number of individuals are holding cryptocurrencies. For banks, small loan companies and online loan institutions, trust relations and strict information review mechanisms are needed to establish credibility with borrowers, such as reviews of identity information, academic information, credit information, social relations, personal housing and vehicle information. However, the basis of trust is not solid. In the blockchain, you do not need to trust a counterparty. When borrowers need funding services, they can verify with DAGT and get a credit certificate, which can be verified by any lender. Using the features of digital assets and blockchain technology, DAGT provides lenders with quality borrowers and enhanced risk control systems. When the borrower defaults, smart contract will be triggered to protect the lender.
Increase the rate of return. Research shows that digital asset holders generally have the characteristics of pursuing higher returns with higher risk. DAGT will screen the B-side compliance lenders for high-quality borrowers who can afford higher interest rates.
The security of repayment. DAGT has opened up API interfaces with several of the world’s leading digital asset exchanges and utilizes blockchain’s decentralized and non-tamper features to enable rapid stop-loss even in the face of extreme risks. In addition, DAGT uses smart contracts to set up a security reserve and deposit when working with compliance lending financial institutions. When the pledged digital asset value cannot cover the principal and interest, DAGT will initiate the smart contract to repay with a two-tiered deposit.
Summary
According to the research report published by Morgan Stanley, the global online lending market will reach USD 150 billion in total by 2020. The major countries include the United States, Britain and China. At the same time, with the maturity and development of blockchain technology, digital assets are becoming an asset allocation approach for individuals and organizations. Utilizing blockchain technology featured with decentralization, tamper proofing and transparency, digital assets are applied as a collateral to the lending market to establish a solid trust relationship between C-side digital asset holders and B-side compliance financial institutions. This is a very large and promising market which DAGT is working on. DAGT tokens holders have the opportunity to yield significant benefits through both online trading and long-term holding.
The DAGT platform plans to launch a private and public ICO soon, please stay tuned. Should you have interest in it, please feel free to contact us: market@dagt.io.
For more details, please visit DAGT’s official website and keep following our social media platforms.
Official website: http://www.dagt.io
Facebook：https://www.facebook.com/DAGTofficial/
Twitter： https://twitter.com/DAGTofficial
Telegram：https://t.me/DAGTofficial
Reddit： https://www.reddit.com/user/DAGTofficial
Medium：https://medium.com/@DAGTofficial
Bitcointalk Username: Nexjr14
Bitcointalk Link: https://bitcointalk.org/index.php?action=profile;u=1589980;sa=summary




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CUBOMANIA

CUBO TOKEN
CUBO token is the only internal means of payment used in the Cubomania eco-system. CUBO token is a utility token. CUBO token is an ERC-20 compliant Ethereum based token which is designed to work on the Cubomania platform. The token will have the following functions in the Cubomania eco-system:

  1. CUBO token will provide access to the Cubomania game-based learning platform.
  2. CUBO token guarantees discounts for cubes. Any user can buy the product directly from the Company from anywhere in the world without waiting for the product to appear in local stores. Charges in tokens are always 40% lower than charges in Fiat money. If paying with fiat money (using either Visa or MasterCard), the exclusive discount for Cubomania eco-system players is not applied and the toy is sold at full price without a discount.
  3. CUBO token will be used in smart contracts as a means of payment between cre- WhitePaper April 2018 WhitePaper April 2018 23 ators of educational content, partners and participants of the platform. Thus, CUBO token will guarantee mutual fulfilment of obligations, for example, a means of payment for products and services such as educational programs, individual plans, classes with tutors or educational advisors, educational centres, online schools, colleges.
  4. CUBO token is used as a means of payment in the Cubomania Bounty program.
  5. CUBO token will be used as a Tool for the CuboBuddy game. CUBO token will be used for acquiring behavioral characteristics in order to create learning characters.
  6. Using CUBO token as a reward in the Incentives program from external companies, creating content.
  7. CUBO token will be used for getting access to digital assets such as student transcripts for concerned organisations (big data), learning characters and education programs. 
  8. Buying a toy, a user will get a certain number of CUBO tokens depending on the type and model of the cube. These tokens start to accrue after the user registers in the ecosystem. 
  9. Getting tokens as a reward for daily activities performed by a child, learner, student. 
  10. Guarantee mutual fulfilment of obligations, for example, a means of payment for products and services such as educational programs, individual plans, classes with tutors or educational advisors, educational centres, online schools, colleges. 
  11. CUBO token is used as a means of payment in the Cubomania Bounty program. 
  12. CUBO token will be used as a Tool for the CuboBuddy game. CUBO token will be used for acquiring behavioral characteristics in order to create learning characters. 
  13. Using CUBO token as a reward in the Incentives program from external companies, creating content. 
  14. CUBO token will be used for getting access to digital assets such as student transcripts for concerned organisations (big data), learning characters and education programs. 
  15. Buying a toy, a user will get a certain number of CUBO tokens depending on the type and model of the cube. These tokens start to accrue after the user registers in the ecosystem. 
  16. Getting tokens as a reward for daily activities performed by a child, learner, student.
Deficit of tokens will be created by burning them when creating and promoting a character. Also, every time a person makes a payment, the transaction fee, which is 0,5% of CUBO transaction cost, is withdrawn from CUBO token holder as a means of payment for using the platform and burnt as a fuel for transaction. This process is regulated by smart contracts.

Each token offers the following rights to its holder
  • right to make a transaction
Each token holder holds the right to send or receive tokens between one to another. Tokens can also be sent to the third party to a supported digital wallet.
  • right to receive goods [services]
Each token holder holds a right to get the services made available by the company for the token, such as creation of the characters and educational programs


Cubomania intended to use funds received during CUBO token sale for further development of the project, payment of salaries and future expenses. This will help accelerate development and also enable the team to work full time with total commitment. During CUBO token sale, purchasers will be provided with the CUBO token within two weeks after the end of Token sale; provided, that this term may be extended due to unforeseen circumstances. The tokens will be distributed during the public token sale. CUBO tokens sold during the token sale are the only tokens that will be sold by Cubomania. After the token sale there will be no additional sales of CUBO tokens. Buying tokens during the token sale is a guaranteed way of buying a CUBO token at a fixed price. Users that don’t have CUBO tokens will have to buy them from existing token holders in order to take advantage of the Cubomania platform. Cubomania may consider in the future to list tokens on exchanges after the Token sale for support and expansion of the user base. Tokens of the Cubomania project can be purchased with BTC or ETH during the public sale. Also, tokens can be obtained as a reward in the Cubomania Bounty program.





TEAM CUBOMANIA



ADVISORS



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CUBOMANIA

CUBOMANIA




1. CUBO TOYS IoT Smart Toys
CuboBuddy, a robotic educational toy, is the first element of the Cubomania blockchain eco-system. The main purpose of the toy is to provide complex interaction between a user and an AI-based character with integrated educational programs.

2. CuboApp is a mobile application that connects the source of educational content on the blockchain and the CuboBuddy educational toy. CuboApp can also be used for accessing educational content independent of the toy, which can be regarded as an extension of the CuboApp.

3. Cubomania blockchain marketplace and workshop are the key elements of the eco-system. Blockchain mechanics combined with the platform interface is expected to ease the process of content creation and distribution as well as grant teachers and pedagogues maximum protection of their intellectual property.

4. CuboCore Robot Operating System is a robot operating system with built-in educational programs that can be installed on any kind of IoT based devices: drones, toys, robot constructors. CuboCore provides full integration with the Cubomania educational platform.


WHY BLOCKCHAIN?
The idea of an AI-based virtual character that interacts with kids based on their individual characteristics opened up an opportunity for development of a blockchain-based educational platform, and therefore, a new type of content creation/distribution and absolute protection of tutors’ intellectual property.

GLOBAL MARKET + ANALYTICS
The education market volume is 165 billion dollars. Thanks to the strong growth momentum, the digital part of the industry are projected to surpass the $ 240 billion mark by 2023 adding more than 5% a year./Global Market Insights/
The education market has the second highest CAGR indicator (Compound Annual Growth Rate) in the world economy – 68%

  • Award winning IoT-based toy ready for mass production
  • Alpha version of the educational platform, blockchain workshop (manage and create characters and educational programs) and marketplace (purchase and sell customized characters and educational programs)
  • Strong support from advisers with over 25 years of experience in innovative education
  • Early development stage - Blockchain CuboCore TM Operating system for smart toys, robotics and IoT powered devices

HOW SMART CONTRACT WORKS

Implementation of the cutting-edge blockchain technology will enable members of the education industry to create customized curriculum as well as interactive programs and offer them directly to the market as the platform operates using a decentralised payment system to ensure safe transactions.

Blockchain mechanics combined with the platform interface is expected to ease the process of content creation and grant teachers and pedagogues maximum protection of their intellectual property








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DAGT


Jadikan aset digital Anda terbang! Nilai pasar cryptocurrency yang diwakili oleh Bitcoin telah berkembang dalam beberapa tahun terakhir. Menurut statistik dari Coinmarketcap.com, kapitalisasi pasar global mata uang digital telah mencapai USD 600 miliar per Desember 2017. Karena semakin banyak negara mulai mengenali aset digital dan teknologi blockchain di seluruh dunia, penggunaan aset digital akan terus berkembang. Aset digital diharapkan menjadi salah satu aset terbesar manusia dalam waktu dekat, dan setiap orang memiliki kesempatan untuk menjadi pemegang aset digital dan investor. Ini akan menjadi perubahan revolusioner dalam sejarah mata uang manusia.

Di bawah lingkungan ini, banyak orang berharap untuk membuat aset digital mereka lebih aman, lebih likuid dan pada saat yang sama mencari Return on Investments (ROI) yang lebih besar. Dalam kehidupan sehari-hari, banyak orang mendapatkan dana melalui bank, kartu kredit, dan platform pinjaman online untuk meningkatkan sirkulasi dana mereka. Di era blockchain, ada cara baru untuk meningkatkan likuiditas aset dan meningkatkan laba atas aset. Solusinya adalah DAGT.


1. Apa itu proyek DAGT?

DAGT, kependekan dari Digital Assets Guarantee Token (www.dagt.io), adalah platform kredit collateralization aset digital yang dibangun di atas teknologi Ethereum dan smart contract. Didirikan oleh Singapore's nirlaba Foundation (GRANDDREAM), DAGT bertujuan untuk memanfaatkan teknologi blockchain untuk membangun sistem jaminan transparan, efisien dan terdistribusi yang membuat aset digital mengalir dengan cepat. Di seluruh ekosistem, pengguna kredit dapat membayar biaya layanan kredit dengan menggunakan "DAGT" atau aset digital lainnya, sehingga memperoleh layanan keuangan yang disediakan oleh lembaga keuangan yang bekerjasama dengan proyek DAGT.

2. Siapa yang DAGT layani?

DAGT menyediakan blockchain dan layanan keuangan untuk tiga kategori orang: (1) investor digital C-side; (2) Pemegang token DAGT; (3) Lembaga pemberi pinjaman keuangan yang sesuai dengan B-side.

Proses yang harus dilakukan oleh investor aset digital C-side pada platform DAGT untuk mendapatkan likuiditas dari aset digital mereka:


LANGKAH 1. Aplikasi kredit

Daftar dan mengajukan permohonan untuk kualifikasi kredit pinjaman

LANGKAH 2. Informasi kredit

Pengguna harus memasukkan informasi kredit mereka

LANGKAH 3. Mengunci kontrak pintar

Kirim aset digital ke dompet berdasarkan kontrak cerdas

SETP 4. Surat kredit dibuat dan pinjaman disetujui

DAGT menciptakan letter of credit, dan lembaga pemberi pinjaman yang mematuhi-huruf B menyetujui pinjaman. Lembaga kredit yang memiliki kerja sama dengan DAGT akan mendistribusikan pinjaman kepada bank sesuai dengan kualifikasi kredit dan informasi dasar.

Pertama, keuntungan bagi investor digital C-side:

Tingkatkan likuiditas dana. Menjamin sejumlah aset digital tertentu dapat memperoleh dana dari agen pinjaman kepatuhan B-side dan meningkatkan likuiditas dana perorangan dan nilai aset digital yang digunakan untuk investasi, manajemen keuangan, konsumsi harian atau perjalanan.
Tingkatkan keamanan aset digital. "Blockchain +", sebagai struktur teknis yang mendasari fintech, menyadari sentralisasi verifikasi kredit, data transaksi yang tidak dapat dirusak, sirkulasi modal serta transaksi keuangan dan risiko transparan.
Tingkatkan stabilitas jangka panjang dan keamanan aset digital (hindari paksa posisi dekat dari bursa). Bila menggunakan leverage untuk berinvestasi di bursa digital, Anda mungkin terpaksa untuk menutup posisi Anda karena kejutan besar dalam harga aset digital Anda, non-pemenuhan kewajiban obligasi tambahan Anda, penyimpangan dalam kebijakan, atau perubahan sementara dalam aturan perdagangan. Platform DAGT dapat membantu Anda menghindari kerugian ini. DAGT memberikan layanan dana kepada investor aset digital dengan rasio aset / liabilitas digital yang lebih rendah, meningkatkan kepercayaan investor terhadap risiko guncangan harga pasar yang besar. Sementara itu, sesuai dengan kebutuhan investor, DAGT dapat segera melakukan operasi pengambilan mata uang untuk memastikan stabilitas dan keamanan kepemilikan aset digital jangka panjang.
Kedua, keuntungan bagi pemegang token DAGT:

Manfaat bernilai tambah: Ketika DAGT terdaftar di bursa, Anda bisa mendapatkan beberapa manfaat bernilai tambah.
Pendapatan Dividen: Dalam proses operasi proyek DAGT, pendapatan dividen akan didistribusikan sesuai dengan proporsi dan waktu tertentu.
Layanan dana: token DAGT berharga dalam hak mereka sendiri. Pengguna membayar fasilitas kredit melalui penggunaan token DAGT untuk layanan pendanaan yang diberikan oleh lembaga keuangan yang patuh bekerja sama dengan proyek DAGT. (Sudah ada beberapa mitra CFL seperti yang sekarang).

Ketiga, keuntungan dari CFO peminjaman sisi-B:

Peminjam berkualitas: Saat ini, mata uang digital yang beredar telah mencapai setinggi USD 200 miliar dan sejumlah besar orang memegang cryptocurrency. Untuk bank, perusahaan pinjaman kecil dan lembaga pinjaman online, hubungan kepercayaan dan mekanisme peninjauan informasi ketat diperlukan untuk membangun kredibilitas dengan peminjam, seperti tinjauan informasi identitas, informasi akademik, informasi kredit, hubungan sosial, perumahan pribadi, dan informasi kendaraan. Namun, dasar kepercayaan tidak solid. Dalam blockchain, Anda tidak perlu mempercayai rekanan. Ketika peminjam membutuhkan layanan pendanaan, mereka dapat memverifikasi dengan DAGT dan mendapatkan sertifikat kredit, yang dapat diverifikasi oleh pemberi pinjaman apa pun. Dengan menggunakan fitur aset digital dan teknologi blockchain, DAGT menyediakan pemberi pinjaman dengan peminjam berkualitas dan sistem kontrol risiko yang ditingkatkan. Ketika peminjam gagal, kontrak cerdas akan dipicu untuk melindungi pemberi pinjaman.
Tingkatkan tingkat pengembalian. Penelitian menunjukkan bahwa pemegang aset digital umumnya memiliki karakteristik mengejar hasil yang lebih tinggi dengan risiko yang lebih tinggi. DAGT akan menyaring peminjam kepatuhan B-side untuk peminjam berkualitas tinggi yang mampu membayar suku bunga yang lebih tinggi.
Keamanan pembayaran kembali. DAGT telah membuka antarmuka API dengan beberapa pertukaran aset digital terkemuka di dunia dan menggunakan fitur-fitur yang didesentralisasi dan non-tampat blockchain untuk memungkinkan stop-loss yang cepat bahkan dalam menghadapi risiko ekstrim. Selain itu, DAGT menggunakan kontrak cerdas untuk menyiapkan cadangan keamanan dan deposit ketika bekerja dengan lembaga keuangan peminjaman kepatuhan. Ketika nilai aset digital yang dijanjikan tidak dapat menutupi pokok dan bunga, DAGT akan memulai kontrak cerdas untuk membayar dengan deposit dua tingkat.
Ringkasan

Menurut laporan penelitian yang diterbitkan oleh Morgan Stanley, pasar pinjaman online global akan mencapai total USD 150 miliar pada 2020. Negara-negara besar termasuk Amerika Serikat, Inggris dan Cina. Pada saat yang sama, dengan kematangan dan perkembangan teknologi blockchain, aset digital menjadi pendekatan alokasi aset bagi individu dan organisasi. Memanfaatkan teknologi blockchain yang ditampilkan dengan desentralisasi, tamper proofing dan transparansi, aset digital diterapkan sebagai agunan bagi pasar pinjaman untuk membangun hubungan kepercayaan yang kuat antara pemegang aset digital sisi-C dan lembaga keuangan kepatuhan B-side. Ini adalah pasar yang sangat besar dan menjanjikan yang DAGT kerjakan. Pemegang token DAGT memiliki kesempatan untuk menghasilkan manfaat yang signifikan melalui perdagangan online dan kepemilikan jangka panjang.

Platform DAGT berencana meluncurkan ICO pribadi dan publik segera, silakan ikuti terus. Jika Anda tertarik, silakan hubungi kami: market@dagt.io.

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