1

IBISCOINAN ADVANCED CRYPTOCURRENCY LENDING PLATFORM

ICO WHITE PAP ER 2017

2

The Crypto-Economy ................................................................................................................................. 3

Our Business Strategy ................................................................................................................................ 4

Lending Services ......................................................................................................................................... 4

Blockchain Technology .............................................................................................................................. 4

Payoneer Integration................................................................................................................................... 5

Hotel Integration ......................................................................................................................................... 6

Our ATM ........................................................................................................................................................ 7

INVESTORS INCOME STREAMS ................................................................................................................ 8

LENDING PROGRAM ...................................................................................................................... 8

COIN STAKING ................................................................................................................................. 8

COIN TRADING ................................................................................................................................ 9

COIN MINING ................................................................................................................................... 9

INVITING OTHERS ........................................................................................................................... 9

PROMOTING OUR PLATFORM .................................................................................................... 10

USING OUR ADS ............................................................................................................................ 10

IBISC OIN (IIS) .............................................................................................................................................. 11

POW/POS (Proof of work/ Proof of stake)......................................................................................... 12

ICO.................................................................................................................................................................. 13

How to invest in our ICO ........................................................................................................................... 14

Token Distribution ...................................................................................................................................... 15

Roadmap ...................................................................................................................................................... 16

Conclusion ................................................................................................................................................... 17

Terms and Cond itions ............................................................................................................................... 18

CONTENTS

3

IBISCOIN

Do you know that the value of your cryptocur-rency can be increased individually, without having to wait for its general appreciation?

THE CRYPTO-ECONOMY

States defined currencies had been the only medium used for financial transactions, its rigid nature, centralized system, enclosed controls, unavailability, exchange rates and lots more had always been a thing of concern for global investors.

In 2009, a solution to these problems was provided with the introduction of a cryp-tographic currency. This cryptographic currency (popularly called cryptocurrency) is a digital asset designed to work as a medium of exchange using cryptography to secure the transactions and to control the creation of additional units of the currency. Smart investors gave it a good grasp by not just using this alternative currency but investing in the market itself.

Just in few years, the system has experienced a sporadic growth such that it now has over 1000 decentralized currencies and it free, transparent and distributed ledger sys-tem, makes it a comfortable marketplace for global investors of today.

4

This technology has also grown so large that it looks forward to eliminating the tradi-tional state currencies. As of June 2017, the total market capitalization of cryptocurren-cies was over 100 billion USD and it recorded high daily volumes of over 6 billion USD.

Do you know that the value of your cryptocurrency can be increased individually, with-out having to wait for its general appreciation? Triple-digit growth, amazing risk-reward ratios, and promising global perspectives are only a few reasons why cryptocurrencies shouldn’t be overlooked by any investor who’s willing to diversify his/her portfolio and profit from opportunities offered by a booming market or economy.

OUR BUSSINESS STRATEGY

IBISCOIN as an organization also seeks to create a market spot in the fast-growing Cryp-toEconomy. The purpose of our venture as well as the designed strategies for achieving our objectives is presented in these section of our paper.

LENDING SERVICES

Our core objective is to offer lending services to investors in the crypto-market. This is aimed at providing more available resources in the market base and giving more value to our investor’s currencies by repaying the lent currency with not just an interest but an attractive one.

Our market structure is well planned such that its sustenance is guaranteed as this tends to be a problem of even the traditional lending platforms.

In order to keep track of all our transactions, we are to make use of a distributed ledger system known as the blockchain. It also used to create our c urrency as our block manag-ers will generate our coins base on the successful update of the ledger system.

BLOCKCHAIN TECHNOLOGY

5

PAYONEER INTEGRATION

Payoneer is a financial services company that provides online money transfer and dig-ital payment services. Payoneer account holders can send and receive funds into their bank account, Payoneer e-wallet, or onto a re-loadable prepaid MasterCard debit card that can be used online or at pointof-sale. The company specializes in facilitating cross-border B2B payments. Payoneer is a registered Member Service Provider (MSP) of MasterCard Incorporated and its headquarter is situated in New York City.

Payoneer has roughly four million users in more than 200 countries and territories and provides cross-border transactions in more than 150 local currencies utilizing its bank-ing network around the world to make local bank transfers.

Also, a provision of credit card will be made for all users or investors who choose to have one. An existing Payoneer user will be simply integrated without having to create a new account.

This platform integration will not just make our investors’ transaction simpler and secured but expand the crypto-market into a bigger financial environment by increas-ing the acceptance rate and smoothening the institutional differences.

The integration of this financial framework with our system is targeted towards providing a more flexible and accessible service. With the creation of an account with this platform, our investors will be able to get their funds on a daily basis in US Dollars without going through the rigor-ous stress of currency exchange or conversion.

6

HOTEL INTEGRATION

The worldwide market volume for online hotel bookings alone is estimated to exceed $100 billion in 2016, with package holidays and vacation rentals such as Airbnb adding another $75 billion in annual revenues, according to Statista’s Digital Market Outlook.

It was also reported that the global revenue for the total online travel booking segment is US$178.8 billion in 2016, which is expected to grow to $288 billion by 2021.

The report looks into three categories: hotels, vacation rentals and package holidays. It excludes price comparison and recommendation websites without a check-out pro-cess and offline travel booking by telephone or at a travel agent’s office.

Our platform seeks to integrate hotel reservation services into our system thereby, giv-ing our customers the benefits of convenience, access to a wider range of deals, more supporting content and the ability to easily compare our discounted prices.

7

OUR ATM

Still in the bid to make our investors have total control of their funds in the most sim-plified and secured manner and increase the scope of our income. One of our future objectives is to set up our ATM (Automated Teller Machine) that will be used by our investors as well as others for to perform financial transactions, particularly cash with-drawal, without the need for any conversion.

One may wonder why we intend to invest in the ATM market, the remains that we seek to make our investors more comfortable as well increase our income.

Analysts anticipate ATMs will become even more popular and forecast an in-crease in the number of ATM withdraw-als. ATMs of the future are likely to be full-service terminals instead of or in addition to traditional bank tellers. It was also reported that the ATM market is expected to garner $21.9 billion by 2020, registering a CAGR (Compound Annual Growth Rate) of 7.7% during the forecast period 2015-2020.

Our cardholders can use these ATMs at no charge, but accessing funds through a unit owned by a different institution incur a small fee thereby generating income for our platform.

The initial setup-points of our ATM will be in Europe, which will be further distributed across the world as time progresses.

^qj

8

INVESTORS INCOME STREAMS

In this section, we will be clearly presenting some of the income opportunities de-signed for our investors or stakeholders.

LENDING PROGRAM

This involves the returns gotten from the amount that was lent to our platform. The interest rate is dependent on the amount invested and the investment plan that was used. Our lending plans have the provision of returning 50% monthly interest. Also, our investors are given the freedom to access their funds on daily basis as well as withdraw even the capital after the lending period.

Daily Interest based on Interest Software of the Site

Package Daily Interest Capital Back

$100 - $1000 Daily Interest After 269 Days

$1001 - $5000 Daily Interest + 0.1% After 239 Days

$5001 - $10001 Daily Interest + 0.2% After 179 Days

$10001 - $25000 Daily Interest + 0.29% After 119 Days

$25001 and UP Daily Interest + 0.35% After 89 Days

9

COIN TRADING

This investment option can be used to profit from price fluctuation of our Coin. Our investors can buy these coins at a lower price and sell them at a higher price. This can also generate profits from any downward movements experienced in our coin price, by buying more coins at cheaper rates and resell at the point of increase.

COIN MINING

This is mainly for investors who are interested in updating our blockchain, this is need-ed for confirmation of transactions and backups. Those involved in this process are rewarded with our coin upon every block of transaction that is successfully added, this will also be monitored by our proof-of-work (PoW) system.

COIN STAKING

Coin Staking just requires our stakeholders to lock up their coins for some period of time (i.e. can’t spend the coins), which is managed by our proof-of-stake System (POS). Our stakeholders will make profits from just this process base on the rising price of the currency over the investment period. Our coin staking plan is designed to offer up to 10% monthly returns on staked coins to investors.

10

PROMOTING OUR PLATFORM

Our users also have some attractive tokens to gain upon the promotion of our web platform and wallet as referral commission will be directly paid.

USING OUR ADS

Participation in this doesn’t make so much money, but it’s extremely easy: you can earn some tokens from allowing our banners and text Ads to be displayed and opened on your device or platform-end.

INVITING OTHERS

The profit generated from the invitation of other users to our platform is attractive, in-stant and proportional to referral initial investment.

11

The market of today is experiencing a drastic shift from the traditional settings to the modern, which is the Internet-based market. In the e-market, transactions are carried out in similarity to the traditional setting, only that the payment and item selection methods are quite different.

In terms of payment, a lot of transactions are made with the use of state-defined currencies, such as Dollars, Pounds, Euros, Naira, etc. Which involves the use of the e-banking system. Of recent, there seems to be a revolution in the required curren-cy for exchange on the e-market. The development of an alternative currency that is based on cryptographic algorithms has experienced tremendous support in its few years of existence. This currency is known as Cryptocoin or Crypto-currency (Short for Cryptographic coin or currency). As at the point of preparing this paper; A Bitcoin, which is the first crypto-coin; has a market value of $7,346.68 (US Dollars).

Unlike other state-defined currency, the crypto-currency is open to individuals for its creation and value-appreciation strategy. As a program-based currency, some plat-forms have been created to aid the creation of such currency with one of the most rec-ommended, known as Ethereum.

IBISCOIN (IIC) as a coin, is here to partake in this fast-growing and efficient market. Architecturally, IIC Coin is created from the Ethereum development framework. The coin is based on the ERC20 Standard which is the criteria needed for the placement of our coin on the Ethereum network, thereby having access to the available features provided by Ethereum. Ethereum is the largest and most well-established, open-ended decentralized software platform that enables smart contracts and Distributed Appli-cations (Apps) to be built and run without any downtime, fraud, control or interference from a third party.

IBISCOIN (IIC)

12

ERC-20 Empowers DevelopersContract Address:0x16662F73dF3e79e54c6c5938b4313f92C524C120Decimal: 18Token name: ibiscoinSymbol: IICSwarm Source: bzzr://dde1e4ded67e37972854a1153f949b11e036435af1c-804285c47ab76d0415f57Contract Source Code Verified by Ethereum blockchain

In short, the ERC-20 defines a common list of rules for all Ethereum tokens to follow, meaning that this particular token empowers developers of all types to accurately pre-dict how new tokens will function within the larger Ethereum system. The impact that ERC-20 therefore has on developers is massive, as projects do not need to be redone each time a new token is released. Rather, they are designed to be compatible with new tokens, provided those tokens adhere to the rules. Developers of new tokens have by-and-large observed the ERC-20 rules, meaning that most of the tokens released through Ethereum initial coin offerings are ERC-20 compliant.

POW/POS (Proof of work/ Proof of stake)

13

The widespread of cryptocurrency has been significantly fueled by start-up funds raised via ICO (Initial Coin Offering). ICO is a means by which initial funds are raised for a new cryptocurrency

venture, it is used by startups to bypass the rigorous and regulated capital-raising pro-cess required by venture capitalists or banks.

With the very big rise of crypto-currencies and blockchain technology, new opportuni-ties are arising in the field of investment. Crypto markets are borderless, open 24/7, and offer huge potentials for growth. The rapid growth of initial coin offerings (ICO) has led to more than 1000 new cryptocurrencies being created, which are traded on daily ba-sis. And they do provide amazing returns.

IBISCOIN seeks to build a platform that will follow the price movements of the top 20 largest mined digital currencies. Additionally, it seeks to provide a highly valued token that will give investors value for their investment, while at the same time providing information that will help all investors, those with adept knowledge of the cryptocur-rency market and others, to make smart investment decisions. In this respect, IBISCOIN also seeks to raise funds that will be used to develop the platform, market the platform to the cryptocurrency market and interested investors, bringing more people on board to harness the benefits that this information on the index cap will bring. With the Ethereum technology, users of IBISCOIN will be able to transact and exchange their tokens instantly when the need arises.

ICO

14

Our ICO runs on top of the Ethereum blockchain. Hence, it Ethers is used for acquiring our tokens. The steps below will guide you through investing in our ICO.

HOW TO INVEST IN OUR ICO

15

In order to effectively implement our project as well as have a good control or our mar-ket and currency value, we settled on supplying a total of 31,000,000 IIC tokens (31 mil-lion tokens), with its ICO parameter as follows.

The minimum token for the ICO as presented above is 8,000,000 (8million), has a market value of $7,346.68 (US Dollars).

TOKEN DISTRIBUTION

Rounds Sub Rounds Duration Tokens

Round 1 Sub Round 1 12 hours 800,000

Sub Round 2 12 hours 800,000

Round 2 Sub Round 1 12 hours 800,000

Sub Round 2 12 hours 800,000

Round 3 Sub Round 1 12 hours 800,000

Sub Round 2 12 hours 800,000

Round 4 Sub Round 1 12 hours 800,000

Sub Round 2 12 hours 800,000

Round 5 Sub Round 1 12 hours 800,000

12 hours 800,000 Sub Round 2

Day Time

9AM (UTC+1)Dec 19

Dec 19/20 9PM (UTC+1)

9AM (UTC+1)

9AM (UTC+1)

9AM (UTC+1)

9AM (UTC+1)

9PM (UTC+1)

9PM (UTC+1)

9PM (UTC+1)

9PM (UTC+1)

Dec 22/23

Dec 28/29

Dec 25/26

Dec 31/Jan 1

Dec 22

Dec 25

Dec 28

Dec 31

16

In order to create evaluation points in the development and implementation of this project, we developed milestones for every significant phase of our project. These milestones or project roadmap is presented below.

ROADMAP

17

IBISCOIN lending is a cryptocurrency lending service where a user can lend cryptocur-rency for a certain period to the platform by agreeing to the loan contract agreement. Upon a successful completion of the agreement, IBISCOIN will return the cryptocurren-cy with the respective interest rate on top of it.

Unlike other platforms that seem to be solely dependent on loans for its income stream, we tend to give our users more options by setting up different integrated sys-tems such as hotel reservation services, payment gateway services and other minor but lucrative activities on our platform. The idea behind this is also to enable us to give a fair charge and better lending packages since only we depend on it fund a percentage of our income and not all. With this, we will no need to strain profit out of our investors for the running of the platform rather we will have more room to even invest and ex-pand our services in the no distant time.

As of 2015, the first cryptocurrency known as Bitcoin was worth less than a US Dollar but, as at the point of preparing this paper, it is worth 8298.97 US Dollar. ”Oh, I wish invested” some may say. IBISCOIN is here with a bigger opportunity of giving your coin a tremendous value. The staking of your coin in any currency or the lending of it can make it earn you more money while you wait for the desired sales time. That is you want to sell it at all.

Beyond the management of loans and hotel reservations, we intend to explore the tra-ditional currency exchange market and synchronize it processes with that of cryptocur-rency, leaving our users with a comforting experience in all their transactions. Walking to an ATM to withdraw and use your cryptocurrency in any denomination or currency of your choice is not just a breakthrough, but a groundbreaking one.

The future of our prospective and current investors are critically considered in our de-sign so as to avert and control all expected market hitches and saturation challenges have been well addressed in our system design.

IBISCOIN is here to keep you safe in the market all year.

CONCLUSION

18

WARNING: DO NOT PURCHASE IBISCOIN WITHOUT A GUIDE, IF YOU ARE NOT EXPERIENCED IN DEALING WITH CRYPTOGRAPHIC TOKENS AND BLOCK-CHAIN-BASED SOFTWARE SYSTEMS.

WARNING: CRYPTOGRAPHIC TOKENS MAY EXPERIENCE EXTREME PRICE VOLATIL-ITY.

ALL PURCHASES OF IBISCOIN ARE NON-REFUNDABLE

ALL PURCHASES OF IBISCOIN ARE FINAL. PURCHASES OF IBISCOIN ARE NON-RE-FUNDABLE. BY PURCHASING IBISCOIN, THE PURCHASER ACKNOWLEDGES THAT NEITHER OUR VENTURE NOR ANY OTHER OF THE OUR PARTIES ARE REQUIRED TO PROVIDE A REFUND FOR ANY REASON, AND THAT THE PURCHASER WILL NOT RE-CEIVE MONEY OR OTHER COMPENSATION FOR ANY IBISCOIN THAT IS NOT USED OR REMAINS UNUSED.

REFERRAL COMMISIONS

THOUGH UNLIKELY, IBISCOIN RESERVES THE RIGHT TO DISABLE THE AFFILIATE PROGRAM AND/OR ANY GIVEN AFFILIATE USER AT ANY GIVEN TIME. IBISCOIN RESERVES THE RIGHT TO ADJUST THE COMMISSION RATE AS NECES-SARY TO ENSURE THE CONTINUED OPERATIONS OF THE IBISCOIN SERVICE.

PRIVACY

ALTHOUGH WE WILL REQUIRE THAT PURCHASERS PROVIDE AN EMAIL ADDRESS, WE PROMISE NOT TO PUBLISH ANY IDENTIFYING INFORMATION RELATED TO IBIS-COIN PURCHASES, WITHOUT THE PRIOR WRITTEN CONSENT OF THE PURCHASER. PURCHASERS MAY BE CONTACTED BY EMAIL REGARDING A PURCHASE. SUCH EMAILS WILL BE INFORMATIONAL ONLY. WE WILL NOT REQUEST ANY INFORMA-TION FROM PURCHASERS IN AN EMAIL.

TERMS AND CONDITIONS