Whitepaper 

Version 1.4 

 

Updated  

14 February 2018 

 

 

 

 

 

 

 

 

 

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DISCLAIMER 3 

VISION 5 

MISSION 5 

TEAM 6 Management 6 Advisors 10 

MARKET OPPORTUNITY 12 Financial Literacy 12 Children’s Digital Security 13 

PRODUCTS 13 Cryptocurrency Utility Token - Kidcoin (KDC) 14 Hybrid Digital Wallet 15 Micros 16 Family & Friend Funding 17 Kidcoin Marketplace Ecosystem 18 Education Funding Advice 19 Summary of Key Product Features 19 

TECHNOLOGY 19 Cloud Computing Redundant Servers 20 Fast Servers 20 Web and Mobile Access 20 User Interface / User Experience 21 Security 21 Fiat Currency 21 Cryptocurrency 21 Smart Contract Protocols 22 Blockchain & Distributed Ledger 22 Digital Wallets 23 Artificial Intelligence Investment Management Technologies 23 Risk Management Specialized Technologies 23 Debit Card Transactions 24 System Components 25 

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TOKEN MODEL 26 Token Distribution 26 Token Type: Utility Token 27 Blockchain Technology Implementation 28 Token Policy FAQs 29 

TOKEN SALE 29 Pre-Sale 29 ICO Sale 29 Ways and Options of Funding KDC 29 Affiliates and Bounty 30 

BUSINESS MODEL & EXECUTION PLAN 36 Business Model 36 Marketing Plan 37 Use of Proceeds 42 Financial Projections 42 Risks 43 Project Roadmap 44 

COMPETITIVE ANALYSIS 45 Competitors 46 Kidcoin Competitive Advantages 46 

         

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 DISCLAIMER THIS DOCUMENT DOES NOT GIVE PERSONAL, LEGAL OR FINANCIAL ADVICE. YOU ARE STRONGLY ENCOURAGED TO SEEK YOUR OWN PROFESSIONAL, LEGAL, AND FINANCIAL ADVICE. 

1. The purpose of this Whitepaper is to present Kidcoin (KDC) to potential token holders in connection with the proposed token generation event. 

2. The information set forth below may not be exhaustive and does not imply any elements of a contractual relationship. Its sole purpose is to provide relevant and reasonable information to potential Token holders in order for them to determine whether to undertake a thorough analysis of the company with the intent of purchasing KDC Tokens. 

3. Nothing in this Whitepaper shall be deemed to constitute a prospectus of any sort or a solicitation for investment, nor does it in any way pertain to an offer or a solicitation of an offer to buy any securities in any jurisdiction. 

4. This document is not composed in accordance with, and is not subject to, laws or regulations of any jurisdiction, which are designed to protect investors. 

5. KDC Token is a utility Token, that may act as a form of digital currency, for purchasing products and services within the Kidcoin platform. This product is not a security, commodity, or any other kind of financial instrument and has not been registered under the Securities Act, the securities laws of any state of the United States, or the securities laws of any other country, including the securities laws of any jurisdiction in which a potential Token holder is a resident. 

6. KDC Token is not intended for sale or use in any jurisdiction where sale or use of digital Tokens may be prohibited. 

7. KDC Token confers no other rights in any form, including but not limited to any ownership, distribution (including but not limited to profit), redemption, liquidation, proprietary (including all forms of intellectual property), or other financial or legal rights, other than those specifically described in the Whitepaper. 

8. All statements contained in this White paper, statements made in press releases or in any place accessible by the public and oral statements that may be made by Kidcoin or their respective directors, executive officers, employees or team’s representatives acting on behalf of Kidcoin (as the case may be), that are not statements of historical fact, constitute “forward-looking statements”. Some of these statements can be identified by forward-looking terms such as “aim”, “target”, “anticipate”, “believe”, “could”, “estimate”, “expect”, “if”, “intend”, “may”, “plan”, 

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  “possible”, “probable”, “project”, “should”, “would”, “will” or other similar terms. However, these terms are not the exclusive means of identifying forward-looking statements. All statements regarding Kidcoin’s platform, financial position, business strategies, plans and prospects and the future prospects of the industry (financial technology) which Kidcoin is in are forward-looking statements. These forward-looking statements, including but not limited to statements as to Kidcoin’s revenue and profitability, prospects, future plans, other expected industry trends and other matters discussed in this White paper regarding Kidcoin are matters that are not historical facts, but only predictions. 

9. Whitepaper can be modified to provide more detailed information. This English language White paper is the primary official source of information about the KDC Token. 

10. The information contained herein may from time to time be translated into other languages or used in the course of written or verbal communications with existing and prospective customers, partners etc. In the event of any conflicts or inconsistencies between such translations and communications and this official English language White paper, the provisions of this English language original document shall prevail. 

11. The Whitepaper may be updated or altered, with the latest version of the document prevailing over previous versions. Kidcoin is not obliged to give notice of and changes. The latest version of the White Paper in English is available at the website https://Kidcoin.io/. While we make every effort to ensure that all data submitted in the White Paper is accurate and up to date at the point in time that the relevant version has been disseminated, the proposed document is no alternative to consulting with and obtaining an independent 3rd party opinion. 

VISION Kidcoin is a blockchain-based digital wallet that teaches kids how to value and manage money, while offering incentives for them to earn rewards for their achievements and good deeds.   

Our vision is to raise the next generation of kids to be more fiscally responsible citizens, by managing their money proactively, minimizing debt wherever possible, and practicing healthy financial habits such as budgeting, goal-setting and reconciling their accounts periodically.   

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By engaging parents, family members and communities in the process, Kidcoin embraces an interactive, open architecture model, that is conducive to collaboration and in line with the saying - "It takes a village to raise a [financially savvy] child." 

MISSION ● To make personal finances accessible and fun for kids and their families, regardless 

of economic circumstances; this will take place largely through our blockchain web-based products, featuring education through practical experience and progress-based rewards programs. 

● To improve the financial discipline of parents as well, by introducing an integrated, holistic approach to "Family Finances". This will also improve relationships between parents and their children, regardless of financial means. 

● For these tools and offerings to be utilized regardless of economic status. Kidcoin will measure and report on user metrics, such as percentage of users by income class; lower income families can benefit just as much if not more than those with substantial means - for example, through the Micro-Scholarship and Crowdfunding modules. 

● To reduce debt levels of college graduates as a result of better financial planning and finding alternative solutions to higher education funding. 

● To encourage kids to be more proactive about earning, saving and investing, which in turn should get them to be more career-driven and focused at a younger age. KPIs in this area include: 

○ Increased internships ○ Working while going to school ○ Gaining technical trades ○ Exploring a wider array of education and career opportunities ○ To develop and introduce a cryptocurrency-based Token Economy to families, 

through our very own utility token, Kidcoin. The multi-functional Kidcoin facilitates all activities and transactions on the site, including the purchase of age-appropriate products and services, from Kidcoin-vetted and parent-approved vendors; and can be easily converted at any time for US Dollars, Bitcoin or other Altcoins. 

  

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  TEAM  

Management  Arman Rousta Founder & CEO  With 20+ years of startup and business ownership experience, Arman Rousta is a thought leader and serial entrepreneur that knows what his true genius is – the creation of new paradigms and business models. He most recently founded b.labs Ventures, a venture builder and incubator providing capital, tech, marketing, operations and strategic direction to industry disrupting startup 

tech and product development companies. As the CEO, Arman is responsible for strategic planning, general management, and software R&D, as well as the company’s expansion into new markets, such as Latin America, Europe and Asia. 

 Given his entrepreneurial success, Arman has been featured in media over the years, including Crain's NY, CNN Money, Wall Street Journal, NY Times, Time Magazine, Popular Mechanics, Barron's, Inc. Magazine, American Banker, and American Baby. Arman has been featured on CNNfn and also as a speaker at national conferences such as the National Association of Personal Financial Advisors.  Arman is a strong believer in ethical and conscious business practices, which are reflected throughout b.labs’ operating principles. Of particular significance to Arman is the betterment of opportunity for children. He founded 401kid, an education funding advisory portal, in 2000 to serve this purpose. Through his work-life balance, Arman is dedicated to setting a positive example for how we can have success while being of service.  Prior to founding Kidcoin and b.labs, Arman spent five years as Co-Founder and COO of Exeter Technologies, a New York based automotive electronics firm. Arman was a contributing inventor to several Exeter products and guided the launch of the popular Park Zone in 1998 by devising the marketing strategy, a training program, and an international 

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  sales force responsible for $7.5 million in sales over a two- year period. Park-Zone was sold in 1999 to publicly-held manufacturing company Measurement Specialties, Inc (AMEX: MSS)  Arman holds degrees in Economics-Political Science and Psychology from Columbia University, where he led the Men's Soccer Team to an Ivy League Championship and attained Academic All-Ivy Honors. Arman is an avid athlete, reader, writer and philosopher, avidly studying and researching issues related to wellness, productivity and Spirituality. His ideas and views are expressed through numerous blogs and publications, including Blueliner, Kidcoin and his personal blog (armanrousta.com). He currently lives in Jersey City, NJ with his son, Aydin.  

 Allison Bajger Motivation Scientist  Allison is a Motivation Scientist with a background in consumer decision-making psychology. She holds an M.A., M.Phil., and Ph.D. in Psychology from Columbia University’s Graduate School of Arts and Sciences (GSAS). Her doctoral research primarily investigated the motivational underpinnings of consumer choice and 

preference, addressing questions relating to strategic digital and traditional communication. In addition to UX, she specializes in Content Management (CM), and Customer Relationship Management (CRM).  She is also an integral part of the b.lab Ventures team where she leads scholarship, content and business development for the Startups, Timebug and 7 Pillars. Prior to joining B.labs, Allison directed strategic communications at Underwriter's Laboratories (UL) in the Supply Chain and Sustainability division and consulted with leading NYC and Boston-based innovation strategy firms on science-backed solutions and revenue growth strategies for fortune 500 clients across industries including Telecom, Healthcare and Beauty.  Allison received her B.A. in Psychology with honors (Summa Cum Laude, Phi Beta Kappa) from Columbia College and has been a Board Member on the Columbia Alumni Association since 2011. She is also the Vice President of the Volunteer Development Committee and a member of the Strategic Planning Committee.   She currently lives in the Washington D.C. with her husband, Dan '07CC, son, Hank, and dog, Jackie. 

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Regina Hartman Chief Operation Officer  Regina specializes in global program and product launch operations. She brings a wealth of knowledge and experience in strategic partnerships and international program, product, and event management to Kidcoin from her previous roles within organizations such as the U.S. Olympic Committee, Global Development Incubator (GDI), Social Capital Markets and the United Nations. In addition to her role with Kidcoin, Regina also works with b.labs Ventures' other 

portfolio companies to develop and refine their messaging and go to market strategies.    Most recently, Regina led the US market entry and expansion efforts of AgeWell Global, a peer-based health tech startup that aims to reduce hospital readmission and improve wellbeing amongst the healthcare system's most vulnerable high utilizers. From overseeing the design and development of its core product offerings, to managing the launch and operations of its first pilot program sites, she played an integral role in the company's evolution from seed to early stage financing and operations.    Regina graduated with a Bachelor’s degree in Economics and Psychology from Columbia University where she was a Division I athlete on the varsity women's rowing team.  

 Advisors 

 David Houle  Strategy and Marketing Advisor  David Houle is a futurist, thinker and keynote speaker. He has key noted numerous conferences across the country and internationally. In the last nine years he has delivered 750+ presentations and keynotes on 6 continents and 14 countries. He is regularly invited to speak at corporate management retreats.  

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  David spent more than 20 years in media and entertainment. He has worked at NBC, CBS and was part of the senior executive team that launched MTV, Nickelodeon, VH1 and CNN Headline News. David has won two Emmys as co-executive Producer for a nationally syndicated children’s program, “Energy Express”. He also won the prestigious George Foster Peabody award and the Heartland award for Hank Aaron: Chasing the Dream and was nominated for an Academy Award.   He has been speaking about the future for 9 years and has authored or co-authored several influential, top selling books and ebooks including The Shift Age (2007); Shift Ed: A Call to Action for Transforming K-12 Education (2011); The New Health Age: the Future of Healthcare in America (2012); Entering the Shift Age (2013) “Is Privacy Dead: The Future of Privacy in the Digital Age” (2013 ebook). “Brand Shift: The Future of Brands and Marketing” (2014); “This Spaceship Earth” (2015). This book became the basis for Houle to found the global non-profit This Spaceship Earth, Inc. in April 2016. The goal of this non-profit is to create “crew consciousness” as we face Climate Change. 

 Carmine Vona Finance and Technology Advisor 

Mr. Carmine Vona has been the Chief Executive Officer and President of Vona Information Systems, Inc., since June 1996. Mr. Vona served as Metrosoft's Chief Executive Officer from December 2001 to December 2002. From November 1969 to June 1996, he served at Bankers Trust Co., where he served as an Executive Vice President and Senior Managing Director for worldwide technology. 

From August 1986 to June 1996, he served as Chairman of BT-FSIS, a software development company and a wholly owned subsidiary of Bankers Trust Co. He has been the Chairman of Metrosoft, Inc., since December 2001. He served as Lead Director at SeaChange International Inc. He served as a Director of SeaChange International Inc. since January 1995 until December 18, 2015. From August 2000 to December 2002, he served as a Director of E-LAB, an Italian bank wholly owned by Banca INTESA. 

MARKET OPPORTUNITY 

Financial Literacy  

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Most modern societies, including (and especially) the United States, are mired in debt, with more than $20 trillion in the US alone as of September 2017 . While we seemingly "have 

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more", we also "owe more", and therefore, to a large extent, do not really own or live comfortably with what we have. Plus, we are living longer. While a positive trend, it also presents challenges when it comes to ensuring our ability to "pay for life's expenses" into our 80s and 90s. Kids graduate from college with degrees but no real education in real world living or core life skills, such as personal financial management, either because they have been sheltered or controlled by parental providers, or they simply have not had access to regular earnings and therefore have not formed a clear understanding of how to create, store and exchange value through currency; in short, they have not yet worked for money in order to survive and pay their day-to-day bills.   

The increasing tolerance for large amounts of debt, wildly inflationary costs of higher education and shrinking savings have put untenable strains on families, with both parents and kids alike having to endure these burdens. Graduating college or med school with enormous debt on one's personal books is the "new normal", and it virtually ensures that those in their early to mid-20s will be enslaved to their creditors or financial masters for at least the subsequent 20-25 years.   

Research has found that financial capability involves a broad set of skills and attributes that are developed and honed over time as individuals gain new experiences and encounter new environments. Starting financial education early with age-appropriate and relevant 2

information gives young people more chances to develop the key building blocks of financial capability for adulthood. It also gives them the opportunity to build their financial capability before they begin making financial decisions that could affect their financial well-being for years to come. To have a real impact, financial illiteracy needs to be tackled throughout society. To enable people to manage their personal finances—from monthly budgets to retirement planning, in a society where complex products are often readily available—we need to raise the level of financial literacy and also create a cultural shift towards taking responsibility for one’s own finances. 

Children’s Digital Security  The global parental control software market is expected to reach approximately USD 9.50 billion by the end of 2023 with 9.50% CAGR during forecast period 2017-2023, mainly due to 

1 Pew Research Center, Nov 2017 2 Anita I. Drever et al., Foundations of Financial Well-Being: Insights into the Role of Executive Function, Financial Socialization, and Experience-Based Learning in Childhood and Youth, 49 Journal of Consumer Affairs, Special Issue on Starting Early for Financial Success 13 (Spring 2015)

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  a rapidly rising number of internet users. Parental control software refers to tools that can 3

help in filtering the contents that can be viewed on the internet. The software proves to be extremely beneficial for parents to keep a check on children’s activities on the internet in their absence. The demand for appropriate solutions is not only large, but also varied; vertically (by international organizations, national bodies, educational institutions, and individual parents) and horizontally (by Internet service providers, broadcasters, and telecommunications operators).   4

The global parental control software market is driven by a growing technology addiction for improving lifestyles and increasingly easy access to inappropriate content on the internet. With kids growing up in a digital age, it can be a challenge to keep a watchful eye on their child’s internet usage without becoming overly protective and spy-like. The number of digital platforms from which children can access the Internet is constantly increasing: smartphones, tablets, and gaming consoles are the newest popular connected platforms adding to the existing PC and laptop vectors. North-America is dominating the global parental control software market with the largest market share and is therefore expected to grow over its previous growth records by 2023. Parental control software market in Asia-Pacific market is expected to grow at a substantial CAGR during 2017 to 2023 due to rise in IT technology and growing population which is increasing the demand for secured network devices and tablets in the region. 

 PRODUCTS Kidcoin’s platform is a set of web-based applications that utilize blockchain technology to form a 'smart' and resourceful digital wallet, with a feature set that engages kids and their families to effectively learn about, manage, share and grow their money.   

Our fundamental belief, which is backed by scientific research, is that the earlier kids are engaged in productive tasks and activities related to the earning and storing of value, the sooner they will grasp the real world concepts underlying effective personal financial management.   

Our products provide this type of education in a holistic manner, hitting on all facets of early life that are essential for character building, while engaging parents and the broader family & friends network in the journey as well, reinforcing and rewarding positive behavior, such as patience (ie. savings), generosity (ie. charity/donations), commitment (ie. work/earning) and discipline (ie. scheduled giving, such as allowances).   

3 https://www.marketresearchfuture.com/reports/parental-control-software-market-4551 4 https://www.pcworld.com/article/2046365/parents-renew-demand-for-tools-to-protect-kids-online.html

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Cryptocurrency Utility Token - Kidcoin (KDC)  

Kids are getting more and more tech savvy every day. The same cannot be said for their parents! That is not a judgment, but rather reflects the reality of what it means to be a digital native in this mobile-social era. Managing cryptocurrency through their digital wallets will be second nature to kids in a couple of years. Kidcoin, a new form of cryptocurrency based on the Ethereum token, seeks to be accepted as a viable form of payment by major retailers and over 50% of worldwide colleges by the year 2020. Kidcoins, once mined, can be exchanged for other cryptocurrencies and used for non-educational expenses as well. It will be stored in users' Kidcoin digital wallets, alongside traditional banking assets, such as US dollars held in checking and savings accounts. Micro-scholarships and family crowdfunding rewards may also be given in Kidcoin.    

● A number of Kidcoins are pre-mined and will be made available via ICO [See key ICO dates in Roadmap]. There will be two rounds of ICO pre-sale as well, to reward pioneering supporters.   

● An additional block of Kidcoins will be mined by early adopters of the platform, exclusively on behalf of kids (anyone under the age of 21 is eligible as beneficiaries of Kidcoin). To qualify, one must set (for themselves or a group of kids) and achieve goals (of a certain level of difficulty); Goal achievement will be verified strictly. The award criteria setup, management, verifications and disbursements will all be managed through a custom built blockchain-based smart contract system. 

● An additional block of Kidcoins will be earned by Bounty participants, on behalf of themselves (if qualified) or kids that they designate as beneficiaries. 

● Kidcoins (KDC) can be used to pay for various family related and educational products and services and/or exchanged for Bitcoin, Litecoin, other altcoins or Cash, easily via the Kidcoin Platform. 

Hybrid Digital Wallet 

Every child who signs up or has their authorized guardian sign up for them automatically gets a Kidcoin wallet with KDC in it! How much depends on when they register and “claim their Kidcoins”. If the child exists, they automatically own or have rights to Kidcoins. This is an innovation in cryptocurrency mining, that Kidcoin is coining as “Proof of Existence”. 

Kidcoin supports both fiat and cryptocurrencies in its wallet. Wallets essentially act as their own bank accounts, where different forms of money are stored. Wallets can be connected to traditional bank accounts in order to send funds back and forth, as well as provide backup payment sources, similar to how it works on Paypal. Users, which consist of adults 

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  and children, who either aren’t ready, don’t understand or are simply not interested in cryptocurrencies, will still have access to most features of the platform. They may still earn Kidcoin during the course of their customer journey, and in doing so, would have choices as to whether to hold Kidcoins, utilize them to buy items from Kidcoin’s vetted marketplace or trade them in for the fiat currency of their respective country.  

Traditional debit or “cash” cards, tied to checking and savings accounts, provide kids access to capital and teach them how to budget and plan for current and future life expenses. Parental monitoring features offer a full range of oversight potential, from lax to strict controls over children’s financial activities. Here is a quick use case of how a typical family would setup and use the Kidcoin Wallet: 

1. Parent registers for Kidcoin, and automatically gets a Family Digital Wallet. 2. Parent adds their children, by name and date of birth, which automatically sets up a 

Kidcoin Wallet for each child, regardless of whether the parent gives the kids access to it or not. 

3. Parent setups periodic allowances for each of their children, based on whatever agreement is established regarding amount, timing and whether allowances are tied to specific chores and “good behavior” or not. One-time giving may also be done at any time via the web or mobile User Interface. 

4. Parent, if they so choose, sets up logins for each child, along with age-appropriate settings (by default) that they can modify. At the strictest level, kids accounts are set to View Only, where they cannot make any transactions, and can only see the activity going on in their name, which in and of itself, is an important part of gaining financial literacy. 

5. As the funds flow in, both parents and kids can set preferences for what percentage of the allowance is given in fiat versus crypto (Kidcoin), and also how much of it goes into immediate spending (checking) accounts versus short and long-term savings accounts, all of which are aggregated in simple views for kids to understand and make collective (or as they get older, independent) decisions on.   

6. Kids may be incentivized by parents, other family members and/or independent sponsors to save, through a Kidcoin matching investment. 

Kidcoin sets up different tracks and supports families throughout each child’s developmental stages, encouraging a move towards independence and loosening of parental controls as young users demonstrate “money mindfulness” and mastery of financial concepts. 

Kidcoin is fully COPPA compliant (in the United States), which sets the highest known bar of privacy protection for children under the age of 13. Kidcoin takes the privacy and security of all users, but especially young children, very seriously, and will go above and 

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  beyond, from every angle - communication, technical security, bully patrolling and enforcement - to protect and defend children’s rights. For more information on COPPA, click here.   5

Micros 

Kidcoin’s most unique module is known as Micros - the Micro-Scholarship or Micro-Rewards Program, a crowdfunded marketplace for achievement-based contributions, that are awarded in Kidcoin to kids (between the ages of 0-21) who apply and succeed in accomplishing whatever challenges are specified by program sponsors. Micros employs a ‘Proof of Achievement’ or ‘Proof of Effort’ smart contract model, featuring an incentive-based blockchain, that is explained further below. Kids either - 

(A) apply to Micros that are set up by Donors and Sponsors.   

(B) set their own goals and solicit rewards - as motivators - for achievement; then publish (similar to other crowdfunding platforms, such as GoFundMe) for those in their social circles to support them. "Consolation" prizes are also possible (“an A for effort”), at option of Donors; or  

 

Leading Donors are able to fully fund and define their Micro-Rewards or Micro-Scholarship Programs. In taking full control of Micros, they become Sponsors as well. Sponsors can partially fund or not fund at all; but they define Micros and determine award criteria. Hence, crowdfunding is solicited from various small and large Supporting Donors in this case. Supporting Donors are not Sponsors, and do not control Micros criteria.    All funding and rewards takes place through Kidcoin (KDC). Donors and Sponsors purchase Kidcoin with respective local currency or specific acceptable cryptocurrencies (ETH and BTC at present), and then make KDC available through various Micros. Kidcoin will provide matching donations to incentivize Donors and Sponsors to create and fund more Micro-Scholarships. Upon launching this module in beta, Kidcoin will issue a number of Kidcoins, both with and without the support of Donors, as a stimulus to engage users and develop the Micros ecosystem. 

 Family & Friend Funding  Family and Friends are a critical part of each child’s village. Birthdays, holidays, communions, graduations and other special occasions all generally call for gift-giving that 

5https://www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/childrens-online-privacy-protection-rule 

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  often comes in the form of money - money that parents aren’t always sure how to handle and where to deposit. Kidcoin takes away that problem by consolidating and streamlining the giving, saving and tracking process, so that parents don’t have to think twice, Family & Friend funders can click and gift, while kids get to see - over time - who has given them what for different occasions.   

Kidcoin Marketplace Ecosystem As owners of their own ‘private’ tablets and gadgets, children have become rather independent in browsing online content. Most parents take pride in their child’s tech savvy and digital skills, but without the proper controls, children may seek out or stumbleupon inappropriate content, products, or services that they should not be engaging with or spending money on.  

The Kidcoin ecosystem is designed to give parents peace of mind by coalescing a safe and secure digital marketplace of vetted, age appropriate merchants and service providers that children and teens will want to or already do engage with. From clothing to tuition, parents can also purchase or pay for family-related items from partner merchants within the Kidcoin ecosystem. All partner merchants and service providers are vetted and approved prior to being showcased on the site. With so many altcoins being created for new products and services every day, Kidcoin is a great solution for parents to ensure that if they or their child have KDC then they can gain access to all of the latest and greatest products and services that are deemed suitable for them and be precluded from purchasing or consuming the items that are not. For purchases made in Kidcoin, transactions are automatically registered with Smart-Contracts in real-time when engaging with vetted merchants who support blockchain transactions. 

Furthermore, some merchants or service providers may require gated access for certain age groups which would filter out the irrelevant or inappropriate options unless otherwise specified. Kidcoin does a majority of the marketing legwork for merchants and makes the product discovery process easier for buyers thanks to community generated product and services reviews. Thanks to immutable records, buyers can easily identify the best merchants; merchants can identify and cater to their target audiences; and partners have access to comprehensive statistics about the best performing products and services across the Kidcoin ecosystem. While item or service quality disputes must be handled directly between the buyer and seller, Kidcoin continually monitor reviews, transactions and listings to ensure legitimacy and trust within the community. We think the Kidcoin ecosystem can be a great tool for everyone, but we need our users to honestly review one another to ensure a transparent & kind community full of quality products.  

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As noted earlier, Kidcoin is fully COPPA compliant (in the United States), which sets the highest known bar of privacy protection for children under the age of 13. Kidcoin’s philosophy of “children first” and the Village Ecosystem pervades every one of its offering, especially this Marketplace where children will be able to purchase products and services, with the approval of their parents wherever necessary. 

Education Funding Advice Since 2001, Kidcoin has been a reliable resource and advisor to families on the challenging process and responsibility of education funding for their children. Before the public knew or understood what 529 Plans were, Kidcoin was an early adopter and advocate of this new tax-free savings vehicle, and created an objective 529 Plan Wizard that analyzed the strengths and weaknesses of all state plans, as they relate to families in different states and income brackets. Kidcoin’s research and tools were featured by major financial media, such as Barron’s and CNN Money, as well as trusted education financing companies, like Sallie Mae.  

 

Version 2.0 of Kidcoin’s Education Funding module, to be released within 2018, will add to the prior model of research, information and advisory services, by integrating transactional features as well as alternative education funding options. 529 Plans are not necessarily optimal for all families, and before college, there are many other educational expenses which families consider and pay for. A broader set of recommendations and financial instruments will be made available to families throughout each child’s schooling journey.   

Summary of Key Product Features The goal of Kidcoin is to make it easy for kids to receive and accumulate different forms of money, and for their “village” of supporters to easily give it to them for key milestones, achievements, needs or randomly. 

● Easy to startup a fund, and make it open (anyone can contribute), private (only parents and kid) or semi-private (selective, can add friends, other relatives, etc) 

● Amazon Add-On - to "round up" checkouts into small gifts ● Save for college or K-12 education or camp, etc ● Birthday gifts ● Graduation gifts ● Random gifts ● Achievement-based gifts or scholarships (ie. "Sally got an A in Math") ● Sponsor-backed Micros, with rules engine for rewards ● Celebrity-backed Micros, with custom criteria and rules engine for rewards. 

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  ● Gifts can be for immediate use vs. kept in a fund for college or until the kid is no 

longer a minor (ie. 529 or Coverdell or UGMA). 

TECHNOLOGY Blockchain technology forms the foundation of the Kidcoin system. The gamified platform utilizes cutting-edge technology to introduce novel features to its users. From funds distribution amongst aggregated accounts, P2P (Peer-to-Peer) transactional capabilities, rewards-based achievement opportunities, a secure digital marketplace, financial advice and fund management – we are re-envisioning family finances – all built upon smart blockchain and distributed technologies. Applying these new technologies has enabled our vision to become a reality, one that would not have been possible even a few years ago.   

Without advanced technology our platform would not be able to support Blockchain, Cryptocurrency, Encryption, and Quantitative asset management that leverages Artificial Intelligence techniques. Our front-end technology, with connectivity to almost all smart devices, enables us to reach a wide range of users around the world for both macro and micro economics transactions across boundaries. While the back-end server technology provides our users with a high-degree of reliability, stability, scalability and speed that is unmatched.  

Cloud Computing Redundant Servers Kidcoin’s infrastructure is extremely reliable and fail safe. Our system architecture leverages redundant distributed servers across several states and countries around the world. This configuration guarantees 99.99% 24/7 uptime that is impervious to earthquake, flood, or electricity grid outage. 

Fast Servers Kidcoin utilizes highly scalable concurrent (asynchronously parallel) processors to serve transaction requests with node.js and NGINX. The number of processors scale up automatically to accommodate demands at any given time to make sure that users experience almost instantaneous response. 

Web and Mobile Access Our platform allows access by any device anywhere and everywhere. Users may use web browser on their desktop or use our application on their smartphones or tablets.  

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We support all major browsers such as Chrome, Internet Explorer, Safari, Firefox and Edge. Our application works well with all Apple iOS and Android devices including but not limited to iPhones, iPads, Android smartphones, and Android tablets. 

We also utilize HTML5, RESTful API. and MEAN stack for our users best experience. 

User Interface / User Experience Kidcoin customizes its User Interface to accommodate the different needs of users. We are cognizant that parents and children have different perspectives on what are important and pertinent features for them. 

Parents centric interface allows them to easily and efficiently conduct: 

● Overview status of funds in all accounts with dashboard. ● Children allowance distribution and automation. ● Children transactions monitoring. 

While children centric interface makes it convenient for them to: 

● See the amount of fund in both of their spending and piggy bank accounts ● Request fund from parents or peers. ● Send money to each other in their circle of peers. 

Security We take security seriously. We understand that family finances have life-changing impacts and work had to prevent any mishap. Anything to do with children requires triple the level of security as for non-children, and Kidcoin’s tech team takes that to heart. 

● We encrypt all sensitive static data in our system. ● We also encrypt all data en route. ● Login requires multi-device MFA (Multi Factor Authentication) 

Fiat Currency Our platform facilitates fiat peer-to-peer (P2P) and crowdfunding fund transfer utilizing Zelle (clearXchange) technology. This method is fast, secured, and reliable. 

Our platform conducts debit card transactions via Maestro® network with MasterCard and 

Interlink® network for VISA. This allows our co-branded cash card to conduct fiat currency economic transaction with millions of merchants around the world. 

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Cryptocurrency Kidcoin (KDC) is a cryptocurrency based on Ethereum Casper PoS (Proof-of-Stake). It is the next Ethereum generation that addresses scalability issues hindering Bitcoin and Ethereum PoW (Proof of Work) models. Our platform supports peer-to-peer (P2P) transfers and crowdfunding funds transfers for cryptocurrency. 

Debit cards are by cryptocurrency assets by propagated PoP (Proof-of-Provenance) blockchain transactions. 

Smart Contract Protocols Kidcoin uses EVM (Ethereum Virtual Machine) that is ERC20 compliant with Solidity protocol for external macro-economic transactions.  

● Micro-Rewards and Micro-Scholarship transactions are executed by blockchain. The sponsor’s terms and monetary commitment to the recipient(s) are written into the smart contract within the blockchain. 

We also use Hyperledger, which is ERC20 compliant as well, for micro-economic transactions within our domain. 

● Savings account transactions. Any funds distributed into the savings account are registered into the blockchain by Smart Contract protocol. 

 

Blockchain & Distributed Ledger The motivations and advantages of Smart Contract and Blockchain technology implementation in Kidcoin ecosystem are many: 

1. Effective and accurate economic transaction mechanics. For example, it is fair real-time calculation mechanics for users to obtain known spot conversion rate. 

2. Reliability and confidence in agreed terms of each transaction — Smart contracts provide a safe and secure way to arrange agreements between members, donors, gifters, recipients, and other subjects of the platform. 

3. Settlement system — a real-time, cost-effective, transparent, and secure settlement model between donors and recipients. 

4. Worldwide coverage — an easy way to make calculations for each individual members or participants different countries and in different languages. 

5. Collaboration with other crypto platforms — wide capabilities for integration and cooperation. 

 

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  Other internal and external blockchain transactions: 

● Portfolio Management involves the application of blockchain technology corresponding to the cryptocurrency positions. 

● Commodities trading for currency hedge. Purchases of Gold and/or Silver is done with blockchain technology with Paxos exchange 

● KDC micro-scholarships / incentive and rewards program. ● VISA Chain® debit card for cryptocurrency backed transaction. ● MasterCard debit card for cryptocurrency backed transaction. 

 

Digital Wallets Since we accommodate transactions in both FIAT and cryptocurrencies, our Digital Wallets must also be able to store funds in both forms. 

● Fiat currency ● Cryptocurrency 

Artificial Intelligence Investment Management Technologies We are an adaptive Quantitative Statistical Arbitrage fund management that utilizes proprietary Artificial Intelligence techniques to build our models that accurately represent the fundamental market dynamics.   Several Artificial Intelligence techniques that we implement include but are not limited to: Machine Learning, Neural Network, Expert System, Fuzzy Logic, and a combination thereof. 

Risk Management Specialized Technologies  One of the most important aspects of our asset management is capital preservation. We are protecting the absolute monetary value of asset as measured in nominal FIAT currency. 

This is important for Kidcoin in two aspects: 

1. Since the proceeds raised in ICO are to be used to develop the company and its products, any loss of capital would hinder the company in reaching its target development milestones. While Kidcoin accept ICO proceeds in cryptocurrency, many of its obligations are still in FIAT currency. We need to mitigate potential loss of cryptocurrency value versus FIAT currency in order for us to be able to meet our obligations and target development schedule. 

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  2. It is important to preserve children’s college funds not to lose its value for their 

future education. 

Therefore, we have direct connectivity with several derivatives exchanges to obtain hedging positions against volatilities of cryptocurrencies and other assets in our portfolio. 

These direct trading capabilities allow us to conduct transactions that include but not limited to: 

● Cryptocurrency Futures contract execution with CBOE and CME exchange. ● Cryptocurrency Options contract execution with LedgerX exchange ● Commodities contracts execution with Paxos blockchain protocol with Euroclear exchange. This is primarily in Gold and Silver to hedge our cryptocurrencies and FIAT currencies assets for their counter-balance dynamics. 

Debit Card Transactions We are co-branding our debit cards with either VISA or MasterCard in both FIAT and Cryptocurrencies.   

At the present time, cryptocurrency transactions are not widely supported in the USA by both VISA and MasterCard; hence, when Kidcoin users want to transact using cryptocurrency, it will be converted into FIAT currency first before transacting with participating merchants. Where cryptocurrency transactions with merchants are supported in other countries, Kidcoin users will be able to bypass the FIAT conversion process. 

 

 

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System Components Our redundant servers are hosted on the cloud across multiple states and countries. 

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TOKEN MODEL 

Token Distribution 

 ● 500 million Kidcoin Tokens Available; Reserve & Founders stake on 1-YR lockup. ● Unsold tokens will be stored in Kidcoin Reserves and made available in the 

future for Kidcoin platform users or through secondary token sale events. 

 

Token Type: Utility Token Kidcoin (KDC) tokens are not securities under any circumstances. There is no promise of profit or any future value, and the tokens are solely used as a right of access and use of platform services on Kidcoin applications. KDC tokens do not constitute a currency issued by any government, nor do they represent any relationship or rights to ownership of the Kidcoin company, or its underlying technology products and protocols. 

KDC carries special utility within the Kidcoin Ecosystem, with children as the primary beneficiaries of KDC transactions. There are a number of ways that kids can get KDC and various ways that they or their parents can spend it, which have been outlined in the Products section. The graphic below encapsulates how KDC flows through the Kidcoin ecosystem.   

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Blockchain Technology Implementation 

Kidcoin utilizes smart contracts in tandem with Blockchain technology to register all transactions within the Kidcoin ecosystem. 

Such transactions include but are not limited to: ● Savings Accounts 

Monies transferred into savings account (piggy bank) are registered into immutable blockchain records. Donors are committed to the transactions, not just promises. 

● Micro-Scholarships [Micros] Scholarship are registered into immutable blockchain records. Donors are committed to the amounts specified in Micros criteria, not just promises. 

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  ● Checking Accounts - Allowances, Matching, Gifts, etc. 

All transactions are registered into immutable blockchain records.  

Token Policy FAQs 

1. HOW MANY KIDCOINS ARE AVAILABLE? 500 MILLION 2. HOW ARE THEY MINED? BY PERFORMING VARIOUS ACTIONS ON THE SITE [IE. 

OPENING ACCOUNTS, APPLYING FOR MICRO-SCHOLARSHIPS, SPONSORING MICROS, ETC]  

3. HOW WILL THE VALUE OF KIDCOINS GROW AND CHANGE AS THE ECONOMY DEVELOPS? MORE USERS + MORE POSITIVE ACTIVITIES = A LARGER ECONOMY. NEGATIVE ACTIVITIES AND LACK OF UTILIZATION = A SLOWER ECONOMY.   

4. HOW CAN KIDCOINS BE REDEEMED OR SOLD? SELLING BACK TO KIDCOIN RESERVES, TRADING OR GIVING TO OTHER USERS ON THE PLATFORM, TRADING FOR OTHER COINS ON EXCHANGES. 

TOKEN SALE Token sales will be issued through two rounds of Pre-Sale and one formal ICO. Dates are outlined in the Roadmap, as well as highlighted below. 

Pre-Sale 

● Phase 1: May 1-30, 2018  ● Phase 2: June 1-30, 2018 

ICO Sale 

● Q3 2018  

Ways and Options of Funding KDC ● FIAT currency ● Cryptocurrency [BTC or ETH] 

Affiliates and Bounty 

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Kidcoin will be distributing up to 10 million Kidcoins or KDC (2% of it's tokens) worth $0.20 each ($2,000,000 in total) for the bounty campaign, which will be distributed within 6 weeks after the end of the Token Sale. 

~ 15% Reddit Campaign 

~ 15% Twitter Campaign 

~ 15% Facebook Campaign 

~ 15% Creative Campaign (Videos) 

~ 15% Articles, Reviews, Publications 

~ 10% Translation Campaign 

~ 10% Signature Campaign 

~ 5% Management 

Kidcoin Bounty Program: a Google Shared sheet will be uploaded and kept updated once the bounty begins so that supporters can check the progress of their entry. 

A new week starts every Sunday. 

*All participants must either follow Kidcoin on Twitter or be subscribed in the subreddit, or have an account in slack. Failure to do so will exclude them from the bounty. 

 

● ● ● REDDIT CAMPAIGN ● ● ● 

 

15% of total Bounty Pool 

Rules ● Your account should be at least 30 days old or have 10 posts of comment karma. ● For a post to be counted, it needs to be posted in one of the following subreddits, or cryptocurrency related subreddits:r/bitcoin, r/ethereum, r/ethtrader, r/icocrypto,r/cryptocurrency. ● Posts and Comments with negative Karma will not be accepted. Any kind of spam will not be rewarded either. ● External posts should link to either Kidcoin subreddit posts, to the Kidcoin Website or to the social media links. 

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Payment 

Payment will be sent based on stakes: 

Posts regarding Kidcoin or featuring Kidcoin 

10 upvotes : 5 stakes 

20 upvotes : 10 stakes 

50 upvotes : 25 stakes 

100 upvotes : 50 stakes 

300 upvotes : 200 stakes 

Comments about Kidcoin get calculated at a 1:4 rate compared to posts, for example a comment with 50 upvotes will bring you 12.5 stakes. 

 

● ● ● FACEBOOK CAMPAIGN ● ● ● 

 

15% of total Bounty Pool 

Rules 

1) Follow and Like our page https://www.facebook.com/Kidcoin 

2) Like and share at least 2 posts per week.  

3) Post at least one message a week about Kidcoin on your page or on a ICO message board. It must be written with your own words, in your native language, and must contain Kidcoin's Facebook link. 

4) Multiple accounts registration is not allowed. One person = one account. All the related accounts will be deleted. 

Payment 

Tier 3: Having 200+ friends/followers : 10 Stakes 

Tier 2: Having 500+ friends/followers : 25 Stakes 

Tier 1: Having 1.000+ friends/followers : 50 Stakes 

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Tier 0: Having 2.000+ friends/followers : 100 Stakes 

Extra Tier: Having 5.000+ friends/followers : 200 Stakes 

 

● ● ● TWITTER CAMPAIGN ● ● ● 

 

15% of total Bounty Pool 

Rules ● Twitter audit must be equal to or more than 75%. ● Must make at least 4 tweets or retweets about Kidcoin per week. ● You must be retweeting Kidcoin's official tweets and updates regularly. ● Don't post everything in 1 day, you are supposed to make the tweets constructive and not simply spam. ● You must be following us on Twitter. 

Payment 

Tier 3: Having 200+ followers : 10 Stakes 

Tier 2: Having 500+ followers : 25 Stakes 

Tier 1: Having 1.000+ followers : 50 Stakes 

Tier 0: Having 2.000+ followers : 100 Stakes 

Extra Tier: Having 5.000+ followers : 200 Stakes 

 

● ● ● CREATIVE CAMPAIGN (VIDEO) ● ● ● 

 

15% of total Bounty Pool 

Kidcoin will reward Experienced Artists and Video Creators who create content about Kidcoin and/or the Kidcoin token sale. 

Rules ● Low quality artwork and videos will not be accepted. 

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  ● Artwork and videos must represent original work. Copying others work is not allowed and will result in a disqualification. You can use official images, artworks and other content posted on the website. ● In the description of the video you must have one link of the official website or one link of the official social media links. ● Videos should be more than 1:30 minutes long, shorter than that will not be taken into consideration. Animated videos can be shorter than that. ● The video/artwork has to be posted on a social platform such as Steemit, Youtube, Reddit, Twitter, etc. and has to include 2 official links: Official Website and a social media link. ● Medium, Steemit, Newbium, and other general/free blogging platforms submissions will be accepted, but only One per User 

Payment 

We’ll divide all Submission into 4 Categories and will reward them as follows 

High quality: 250 stakes 

Good quality: 100 stakes 

Average quality: 50 stakes 

Low quality: 0 stakes 

 

● ● ● ARTICLES, REVIEWS, PUBLICATIONS ● ● ● 

 

15% of total Bounty Pool 

Kidcoin will reward experienced writers who produce quality reviews, articles or publications about Kidcoin that include information about the crowdsale or Instructions about Investments in their Blogs, Websites, Forums and Other Sources. 

Rules ● Low quality articles and reviews will not be accepted. ● Articles and reviews must represent original work. Copying others work is not allowed and will result in a disqualification. You can use official images, artworks and other content posted on the website. ● In the description of the article you must have one link of the official website. ● Article should exceed 500 characters, less than 500 characters will not be accepted. 

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  ● Medium, Steemit, Newbium, and other general/free blogging platforms submissions will be accepted, but only two per user. ● If the article is posted on a website, podcast or blog that has good quality content, then 3 submissions will be accepted. (Examples such as personal blogs with active users, cointelegraph, popular Youtube channels, etc. 

Payment 

We’ll divide all Submission into 4 Categories and will reward them as follows 

High quality: 250 stakes 

Good quality: 100 stakes 

Average quality: 50 stakes 

Low quality: 0 stakes 

 

● ● ● TRANSLATION CAMPAIGN ● ● ● 

 

10% of total Bounty Pool 

Earn tokens as a reward for translating an Announcement Thread of Kidcoin by actively moderating the thread and keeping it active by posting regular updates, news or any important announcements in the local translated thread. 

Warning: a single post dead thread is useless for the token sale and will not be accepted. We expect from the ANN translators to take the responsibility to moderate their threads by keeping them active and decent with translated official announcements, news and updates regularly. If a translator just posts the thread and leaves it dead, with no updates, he will either be disqualified or have his reward reduced by 50%. 

Rules ● Translation should represent original work, if you use tools such as google translate, automatic translators and so on, your submission will be rejected and blacklisted. ● For stake counting, only the posts of the OP are counted towards moderation activity. Translators should be active, if OP becomes inactive, another moderator will be hired for updating and moderating the thread. ● Do not make unnecessary multiple posts to increase stake numbers, this will result in the posts being uncounted and a penalty. 

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  ● Bounty manager and the team reserve their right to make changes to this terms or apply new ones. 

 

Payment 

ANN thread: 100 Stakes 

Website: 200 Stakes 

Whitepaper: 350 Stakes 

Moderation/Management: 5 Stakes per Valid Post of Moderator 

Whitepaper Link: https://kidcoin.com 

ANN thread: https://bitcointalk.org// 

Translators must do both ANN and (WP or Website). 

To reserve a language you must join Slack and PM @admin there. (Do not PM here on this forum)  

 

● ● ● SIGNATURE & AVATAR CAMPAIGN ● ● ● 

10% of total Bounty Pool 

Join our Signature Campaign to help spreading the word about Kidcoin on Bitcointalk. 

Rules ● The signature should be kept until the end of the token sale, removing the signature before that time will result in a disqualification. ● During this period you must make a minimum of 5 posts per week in order to be considered eligible for getting paid. ● Only posts that are useful and constructive will be eligible towards the 5 posts goal. Posts that are off-topic, or simply made for the intention of raising post count will be disqualified. ● Keep your signature on until the spreadsheet updated with your final post count, for at least one more week, removing it before post count will not be accepted. ● Only user with rank of Jr. Member and above can join. ● Using our avatar will give you extra 50% stakes 

 

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Payment 

Payment will be based on weekly stakes. 

Junior Member: 5 Stakes/Week 

Member: 15 Stakes/Week 

Full Member: 30 Stakes/Week 

Senior Member: 50 Stakes/Week 

Hero and Legendary: 80 Stakes/Week 

 

In the bounty campaign, you can find the tokens allocated for signature/facebook/twitter and etc. 

Look under the one you are interested in. For example, if you are interested in signature campaign and for example it says 100,000 tokens allocated for signature campaign. The 100,000 tokens will be distributed among the participants in signature campaign. 

As for the stakes, you will receive 0.5 stake per week you are with the campaign if you are a Jr. Member. The bounty manager will add up the stakes you have earned. For example, you have been with the campaign for 4 weeks, you will earn 2 stakes since 0.5 stake X 4 weeks = 2 stakes.  

When the campaign end and there are total 1,000 stakes earned by all participants. The calculation will be: 100,000 tokens / 1,000 stakes = 1000 tokens per stake. Now you have 2 stakes, you will receive 1000 tokens X 2 stakes = 2000 tokens. 

BUSINESS MODEL & EXECUTION PLAN 

Business Model 

Kidcoin employees several corresponding revenue streams, which makes for an appealing business model. Primary revenue streams are as follows: 

1. Funding fees on crowdfunding, via Family & Friend contributions and Micro-Scholarships. 

2. Subscription fees, paid by families, for setting up parent and child digital wallets, connected to traditional bank accounts. 

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  3. Transaction fees, on spending by parents and kids in Kidcoin Marketplace. 

Marketing Plan 

Kidcoin has the luxury of being a subsidiary of b.labs Ventures, which has a veteran marketing agency, Blueliner, at its core. That means top marketers across the full spectrum of Integrated (and Digital) Marketing are available to the Kidcoin team as it competes for attention in a crowded fintech and cryptocurrency marketplace. 

Blueliner employs the widely accepted best practices marketing methodology, 7 Pillars, across its agency and client campaigns. A marketing roadmap - or ROI Marketing Plan - for Kidcoin has been developed by Blueliner, some high points of which are shared herein.   

Marketing Strategy 

The overall marketing strategy combines a bold, Direct to Consumer (DTC) or Business to Consumer (B2C) model with a Partnership or Business to Business (B2B) approach. Leveraging a healthy marketing budget and its favorable digital marketing alliances, Kidcoin will target influencers and key channels where each of its customer segments consume related content. A heavy social media and original content focus will be utilized beginning in February 2018.   

Partnerships with major media, education, finance and youth-centric organizations, both for-profit and non-profit, are being actively developed, and will be announced as they formalize over the coming months. This first one of note is the partnership with Mediacom Communications, the 5th largest Television cable and broadband company in the United States, whose Chairman and CEO, Rocco Commisso, is the lead investor in Kidcoin’s parent company, b.labs Ventures. The formal details of how Mediacom itself will partner with Kidcoin to engage and educate American families, are being worked out behind the scenes at this time.  

Target Markets 

Kidcoin will initially target US families, and then expand into Canada, Latin America, Europe and Asia soon thereafter.   

Year  Target Market (by Country) 

2018  United States [80%], All Other [20%] 

2019  United States [40%], Canada [10%], Europe [20%], Asia [20%], LATAM [10%] 

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2020  United States [30%], Canada [5%], Europe [20%], Asia [30%], LATAM [5%], MENA & Other [10%] 

Customer Segments 

Like any marketplace, Kidcoin has to attract different user segments in a balanced fashion in order for the ecosystem and token economy to develop with strong all-around participation. Different messaging, campaigns and user experiences in the Kidcoin application itself will be catered towards the following 7 audience segments, 3 of which represent different ages and stages of children - equating to 50% of the ecosystem - and the other segments comprising of their support system, beginning with parents and then extended family. It truly does take a village for a young person to be raised and supported financially on their life journey. Parents cannot generally do it all alone; which is where Kidcoin’s ecosystem and token economy model come in to provide support, in the form of financial software tools and guidance.   

Marketing Goals 

Kidcoin will focus on 5 types of ROI Marketing Goals, which are outlined below. They all interrelate. In terms of budget and resource time to allocate, the Blueliner agency team is collaborating with Kidcoin to determine the right settings. 

1. AWARENESS - this will be most important over the first half of 2018. Kidcoin is a company with history, but that has not had an active marketing effort over the past 5 years; hence awareness needs to be re-established. 

2. CONSIDERATION or ENGAGEMENT (Generating Leads) 3. PURCHASE or Customer ACQUISITION - this comes into play after the first beta is 

released in the second half of 2018.  4. UTILIZATION, which signifies RETENTION and lends itself to Repeat Purchases, 

Upsells and/or Renewals - Also very important in the second half of 2018, when there are active subscriptions and modules available to users. 

5. ADVOCACY, which covers WORD OF MOUTH REFERRALS, REVIEWS, and overall FEEDBACK, be it positive or negative; getting objective Customer Experience, User Research, etc. 

Following the Pillars of Integrated Marketing framework, each of the 7 Digital and 7 Traditional Pillars are considered at all times, but to varying degrees based on available budget, in-house versus agency partner expertise and market opportunity. Kidcoin will continue to work with Blueliner to leverage 7 Pillars and refine its “marketing science” for optimal, efficient spending and maximum customer acquisition and engagement. 

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Note that with all Pillars “On”, the level of coordination and intelligent allocation and analysis of budget become paramount. Kidcoin’s Founder, Arman Rousta, also being the inventor of the 7 Pillars model and a Marketing visionary that has overseen multi-millions worth of marketing and advertising campaigns, will be intimately involved with the Kidcoin marketing plan, at each step. 

DIGITAL PILLARS 

P1. CONTENT: ON v -- Note: Writing blogs - on our own channels, including Medium, as well as creating custom video content on the cryptocurrency industry, Kidcoin’s innovative hybrid wallet and other key features, and financial literacy education on the whole, will be an active weekly effort. This takes place out of the b.labs tech studio in Jersey City. Examples of this content and its treatment can be seen through Arman’s podcast - http://thepolymath.tv/. 

P2. DESIGN: ON v -- Note: Constant updates to the Kidcoin web properties, design of new landing pages geared towards various customer segments and markets, in English and other relevant languages (Spanish, French, German, Mandarin, Japanese, Hindi, Russian, etc) will be the ongoing task list under this Pillar. 

P3. SEARCH: ON v -- Note: When 529 plans were first the hot button in Education Funding, Kidcoin leveraged SEO to show up for relevant searches. Blueliner is best known for its SEO prowess, and will be applying this earned media tactic with full force as the new Kidcoin website is prepared and showcased before the end of Q1-2018. 

P4. MEDIA: ON v -- Note: Paid online advertising, through Google, Facebook, Amazon and other target channels - according to the customer segment breakdown shared above in the Kidcoin Village Ecosystem chart - will be where the bulk of the marketing budget is spent. 

P5. CRM: ON v -- Note: CRM or Customer Relationship Management is one of the most important Pillars for Kidcoin, because it determines how engaged customers and prospects are at each stage of their user journey with their “family finance partner”. Raising kids on Kidcoin user experience, while parents come to rely on a dependable set of utilities and a safe ecosystem for their families, is the feeling that good CRM execution will elicit. Luckily, the Kidcoin-Blueliner marketing mind has the resources and vision to implement a sticky CRM strategy. 

P6. SOCIAL: ON v -- Note: Social Listening, Influencer Marketing and active content sharing are the underpinnings of Kidcoin’s Social strategy. Financial literacy will be a key focus, in a fun, light and gamified manner. This is also where Partnerships will come into 

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  play, giving Kidcoin increased social equity and access to large groups of children through affiliates that families already trust. 

P7. MOBILE: ON v -- Note: All Kidcoin web applications and landing pages will be highly mobile responsive and adaptive. Further, Kidcoin mobile apps will carry increased security, especially where children are involved as users, and special features, like alerts and notifications, that increase engagement and financial discipline.   

TRADITIONAL PILLARS 

tP1. CONTENT: ON v -- Note: Similar to content in Digital Pillars, except applied to different media. Videos shot in the studio may be repurposed to TV media, as well as audio broadcast to radio. 

tP2. BRANDING: ON v -- Note: Educating the public on Kidcoin brands, as well as KDC token symbol is essential, especially once KDC is publicly viewable and available for analysis and trading on cryptocurrency exchanges. 

tP3. ADVERTISING: ON v -- Note: Queue Mediacom partnership and access to wholesale television advertising rates. 

tP4. PR: ON v -- Note: Kidcoin is currently interviewing PR agencies and consultants; and in the meantime, leveraging its relationship with key Sales and Social Media executives within Blueliner for PR support. 

tP5. SALES: ON v -- Note: In particular for the B2B model, Sales efforts will be geared towards Partnerships in H1-2018, and towards potential Customers, such as large Employers, Benefits platforms, Financial advisors and Banks, in H2-2018, who will co-brand, license and integrate via API with Kidcoin’s various advisory and transactional modules, including the hybrid digital wallet. 

tP6. EVENTS: ON v -- Note: As we speak, 4 conferences are already in the Kidcoin roadshow calendar, including d10e in Grand Cayman (January 2018), the Bitcoin Superconference in Dallas, TX (February 2018) and the Crypto Investor Show in London (March 2018). 

tP7. DIRECT: ON v -- Note: An under-utilized and under-appreciated tactic, Direct marketing can be very effective, especially for family and finance oriented products. That is why we keep getting credit card offers in the mail! Kidcoin will selectively test different markets and offers with its target audience as products come into beta mode. 

Use of Proceeds 

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Budgets for Marketing, R&D (Software Development) and other areas depend largely on the success of fundraising during the ICO and ICO Pre-Sale. As mentioned previously, Kidcoin is one of b.labs Ventures, a well-funded incubator of startups, subsidiaries. In that position, b.labs has committed and/or invested $500,000 in seed capital to Kidcoin in order to support the company through its initial development and team building efforts. This plan assumes that, at minimum, the ICO Soft Cap of $5 million is reached, which will provide ample budgetary support for the tech team to stay on its development milestone schedule. 

The general Use of Proceeds from token sales, by percentage, is outlined below. 

 

Financial Projections 

The first half of 2018 is dedicated exclusively to product development and consumer education via content development and community management. The majority of revenue streams will open up once the beta is released in the second half of the year. There are several complementary revenue streams, including transaction, subscription, referral, asset management and financial advisory fees. 

A projected 2018-2020 Profit & Loss statement (or P&L) will be shared within the next iteration of this Whitepaper, as the management team gets a better idea of what level of funding will be available through the ICO and private investments. Additional funding opens up opportunities for - A) an accelerated development schedule, and B) more 

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  aggressive marketing, customer acquisition campaigns; both of which will stimulate growth of the Kidcoin Ecosystem at a faster rate.   

At present, it is assumed that Kidcoin will reach its Hard Cap of $25 million; therefore, the projected 3-Year P&L will be based on this level of available funds. 

Risks 

Technology 

We are undertaking cutting-edge technology endeavor which involves a continuously improving work-in-progress, a Kaizen so to speak. As such, we are exposed to potential schedule delays in subject-to-change components. 

Business 

Business risks vary from normal startup risks. Startup companies are risky investments, regardless of how good the team or ideas are. The fact that Kidcoin is anchoring itself to the volatile and regulation light (at the moment) cryptocurrency space is a risk, for future regulation may make doing business harder in certain countries.   

 

COMPETITIVE ANALYSIS  

Financial technology or “Fintech” is a huge and rapidly advancing field. There are quite a 

few financial services startups already taking a digital approach to family finances and 

money management. These companies run platforms to provide access to capital, monitor 

transactions, reinforce good spending and budgeting habits, and improve user’s 

understanding of financial literacy. Each company has its own ideas on how to cover its 

operating expenses, for example: charging subscription fees, offering additional premium 

or paid features, and displaying ancillary product referrals or in-app advertising. By being 

pioneers in the field, these companies have also burned through huge amounts of capital 

to experiment and learn about what does and does not work well. Kidcoin not only brings 

its own wave of innovation to the field, being the first to offer its own cryptocurrency, but 

has the luxury of observing different approaches and business models of its predecessors, 

in order to implement known best practices into its own model.  

 

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  This is by no means an exhaustive list or analysis. Competitors will continually be 

monitored and added, as Kidcoin products enter the marketplace. It is likely that others 

will seek to copy and compete with Kidcoin on grounds of its unique product feature set. 

Competitors 

Family Finances ● Current, FamZoo, RoosterMoney, Greenlight 

Money and Investment Management ● Mint, Acorns, Robinhood  

529/Education Savings Plan Advice ● SavingforCollege  

Scholarships and Crowdfunding ● ScholarMatch, UPromise 

Incentivized Rewards Programs ● Omaze, Global Citizen 

Kid-Centric Cryptocurrency ● PiggyCoin ● URAllowance 

 

Kidcoin Competitive Advantages 

These are just some of the competitive advantages that Kidcoin has over other players in the financial technology space. 

● An innovative, risk managed business model, with multi-faceted product offerings that support multiple, concurrent revenue streams 

● Competitive pricing  

● Intuitive, user centric - and in the case of children, highly gamified and age-appropriate - design 

● A long market segment horizon, extending from cradle through college 

● Strong and secure IT infrastructure, with regards to stability and scalability  

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  ● Seasoned management team, comprised of proven entrepreneurs and fintech 

executives  

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