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Tuesday 23 October 2018

ZODIAQ ICO PROJECT: CRYPTO-FIAT BLOCKCHAIN PLATFORM

ZODIAQ: A NEW DAWN 
INTRODUCTION
The world is seizing crypto-currencies firmly. According to coinmarketcap.com, capitalization for crypto-currency as of April 11, 2017 amounted to 28,122,800,000 USD. As of April 11 this year, this figure is 270,671,000,000 USD. Despite the recent active growth of this indicator and its subsequent decline in early 2018, on the whole, over a long period of time, it is obvious that crypto-currency capitalization is growing.
The involvement of users may be estimated by the number of wallets. According to the statistics of the University of Cambridge in 2017, from 5.8 to 11.5 million wallets are considered to be “active”, and the total figure is 35 million, according to data of 2016. Compared to 2013, their number increased 4 times.
The growth is supported by the legislation of many countries, which are already starting to draw an analogy between fiat and crypto-currencies. For the previous 2017, the crypto-currency has been given legal status as a legitimate means of payment or as “private money” in more than ten countries: Japan, Singapore, Gibraltar, Cyprus, Estonia, Hong Kong, Czech Republic, Belarus, Poland, Germany, Georgia, Armenia, etc. This means that this sphere will do nothing, but develop in the future.
PRODUCTS OF THE SYSTEM
Stage 1. Current state of the system
Ecosystem of a classic bavnk is the first stage of implementation of our project. In this ersion, all operational accounting will be implemented in a typical centralized banking information system (BIS). At the moment, the personal account of any bank user enables logging and performing the following typical actions:
  • creating accounts in fiat-currencies: USD and EUR
  • creating wallets: BTC and ETH
  • transfers in fiat-currency between users (P2P)
  • transfer in crypto-currencies between users (P2P)
  • crypto-fiat exchange p2p between users
  • purchase and sale of crypto-currency for the user
  • crediting and debiting fiat-currencies
  • crediting and debiting crypto
At the moment, the personal account of the bank user has already implemented the opportunity to register and perform the following typical actions:
  • Creation of accounts in USD and EUR
  • Creating wallets: BTC and ETH
  • Transfer in the currency between users (P2P)
  • Transfer in crypto-currencies between users (P2P) • Crypto-fiat P2P exchange between users.
  • Purchase and sale of crypto currency.
  • Deposit and withdrarwal of fiat currency.
  • Deposit and withdrarwal of crypto currency
Stage 2. Platform with API-connections
At the next stage of the project, ZODIAQ, following the provisions of the second payment directive of EU (PSD2), will unite representatives of the banking segment. Two key tools of the new platform: Payment Initiation Services Provider (PISP) and Account Information Service Providers (AISP), will be developed and introduced. Functions of API services are as follows:
  • drawing, certification and transfer of orders for transfer of funds;
  • data analysis and providing information on the client’s personal finances, recommendations for more effective management of savings, etc.;
  • providing information to third parties (for example, in order to assess the borrower’s solvency).
Using services of its own banking service, which will be actively developed at this stage, ZODIAQ will be one of the world’s first to perform operational testing of PSD2 formalized provisions and introduce new protocols.
Stage 3. Payment blockchain platform
The world’s banking system and, in particular, ZODIAQ team are seeking this option. At this stage of implementation, the core of the bank becomes digital and goes online. The bank becomes decentralized. As a result, any payment agents begin to communicate with each other. Blockchain-platforms, banks and payment services could be examples of such agents. At this stage, everything around the decentralized blockchain-platform is transformed into API channel. The core of the bank acquires tools for integration with any kinds of payment agents. In addition, both individuals and legal entities could be the clients of the platform. In the course of this implementation, the payment block-platform could replace SWIFT completely. However, it is clear that SWIFT will remain the biggest player in the financial market for a long time, so we can use it for integration as well.
Payment blockchain platform
The blockchain-platform serves to deploy the platform at home, rather than develop an API-service from the very beginning. Services provided by our blockchain-platform:
  • providing card balances;
  • ensuring payments;
  • ensuring security of payments.
This will be the first stable-working solution, which will allow banks accepting crypto-currencies in their regular turnover.
The use of ZODIAQ ecosystem as a multi-purpose cloud financial infrastructure with open API:
ZODIAQ strives to create a flexible platform based on an open API that allows taking advantage of blockchain technology, creating an ecosystem of interrelations between banks, sellers of the goods and services, consumers, fintech companies and regulators, becoming a key link in daily transactions.
Using our platform, users will be able to conduct transactions almost instantly, and configure their own end applications and services without creating an infrastructure, establishing integration with legislation, formalizing interaction with payment services in every new country and every new bank from the very beginning. Since the platform has already had technological and legal integration, it can connect a new player cheaper and faster.
ZODIAQ stipulates improving security requirements that introduce strong customer authentication (SCA) with online access to the account, transfer of an electronic transfer order, and ensures specific security requirements for the channels used to transmit data of the user.
ZODIAQ platform, through an open API interface, ensures data exchange with external information systems, and provides them with various ready-made services.
SYSTEM COMPONENTS
  • ZODIAC CARD
Similar to your habitual card. Easy and convenient- you can pay where ever you want and withdraw with ATMs .
You can choose wether your card operate with your fund from fiat or crypto account.
Switchable between them easily via moble or web application.
  • SMART WALLET
Function as a cold wallet to store cryptocurrency safely and conviniently. Non-contact NFS payment.
Bind your third parties bank card.
Receive payment as POS terminal including NFS transfer or fiat and cryptocurrencies among gadget.
The smart wallet is equipped with the e-ink screen, wifi, bloethooth and GSM module, and it is connectable to your PC or Mac by USB.
The function prototype already exists.
  • CRYPTOFIAT BANK
Our fully licensed and legal bank is the heart of our ecosystem. Its provided the following services:
~ Bank account both in fiat and cryprocurrencies
~ Deposit in fiat and cryprocurrencies
~ Instant money transfers
~ All the other traditional bank services
~ Visa/ Master card with BTC and other major of cryptocurrencies as the card currency
  • CRYPTO EXCHANGE
~ Intuitive and multifunctional trading terminal
~ All the major technical analysis options
~ A wide range of financial instrument
~ Instan deposits and withdrawal options including ZODIAC bank card
~ Hedging by trading the index of 10 major cryptocurrencies to avoid significant rate change of any specific pair
  • HEDGE FUND
AI-based management system. Our Artifial Intelligence system uses big data analysis and deep machine learning. We have anatomized succesful strategis and scenarios to create wide range of investment options in cryptocurrencies and related market. For now, the trading algorithm is beeing tested on Poloniex Exchange, and it has performed more than 100% profit to the initial 20 days.
  • PAYMENT SYSTEM
Similar to your habitual bank card. Easy and convenient- you can pay where ever you want and withdraw with ATMs .
You can choose wether your card operate with your fund from fiat or crypto account.
Switchable between them easily via moble or web application.

ZODIAQ TOKENS

Tokens are issued on Ethereum platform (ERC20) and distributed in the course of ICO between the participants (customers), partners and consultants and team. The total issue of tokens is limited, and makes 300 million.
The concept of holding ICO, when ZOD token will be distributed, has a finite multi-stage phased order. The method of step-by-step attraction of financing has a number of advantages, both for the project and potential participants of the project. The following rounds with the following indicators have been scheduled:
Join to Pre-Sale Now: https://cabinet.zodiaq.io/registration
  • Hard cap is the total amount of required investment, which makes 104.719 million USD. Fees are fixed based on the total number of collected coins at the current exchange rate, in USD equivalent.
  • Soft cap is the minimum amount of attracted investment, which makes 1.5 million USD. If the amount of fees does not reach the minimum mark, all collected funds will be returned.

TOKEN DISTRIBUTION

TOKEN EXCHANGE RATE

The starting price of one token is 0.1 USD. Since all the main items of project costs are accounted for in USD, it was resolved to link the token to USD. Token is a digital obligation to the services of ZODIAQ (Asset-backed tokens), which is the guarantor of the token conversion.
In the future, after all rounds of ICO, it is proposed to place quotes of the token on the crypto-currency exchanges. The turnover of tokens in the secondary market is not excluded after the first rounds.

ROADMAP

2017
Acquisition of the trust fund
Establishment of Zodiaq Blockchain Corp
Financial Institute:
  • acquisition of the trust fund;
  • opening an account in wells fargo;
  • receiving SWIFT, fatca and aml.
Cryptobank:
  • registration and obtaining a banking license;
  • development of personal cabinet;
  • crypto-currency wallets;
  • Internet bank.
Crypto-currency Zodiaq Exchange:
  • development of the bidding system interface;
  • launch of the exchange on test nodes.
Hedge Fund:
  • opening accounts and legal structuring;
development of infrastructure for storing, validating and accumulating stock exchange information:
  • formation and accumulation of a database of price data;
  • storage and accumulation of the base of fundamental news and indicators for further processing;
  • storage and processing of non-price information related to crypto-currencies and tokens;
  • development and backtesting of the investment strategy (smart beta);
  • development of the execution unit for the long-term investment strategy (Automated Long Term Investment System, ALTIS).
Payment system:
  • Integration with payment systems;
  • commencement of mutual settlements in cash through banks;
  • launch of mobile application Zodiaq Pay;
  • cross-border cash transfers.
2018
Cryptobank:
  • obtaining SWIFT, FATCA, AML Certificate, etc.;
  • deployment of Automated Banking System (ABS) software;
  • authorization with payment systems and gateways;
  • development and launch of mobile bank Zodiaq Pay.
Crypto-currency Zodiaq Exchange:
  • launch of exchange in real mode on real nodes;
  • creation of legal infrastructure and opening accounts;
  • attestation at the regulator’s office;
  • integration with international payment systems;
  • adding new coins;
  • formation of own liquidity;
  • integration with mobile application Zodiaq Pay;
  • authorization with other exchanges;
  • application with open API.
Hedge Fund:
  • preparation and creation of Offering Memorandum;
  • SEC, compliance;
  • development and backtesting of the investment strategy (smart beta) with rebalancing once a month;
  • development of a group of short-term/medium-term strategies (AI-driven smart alpha):
  • training the neural network on the accumulated price and non-price data;
  • creation of infrastructure for execution of transactions;
  • development of HFT-ARB strategies;
  • development of ICO screening system.
Payment system:
  • expansion of service geography (Indonesia, Philippines, China, India, Malaysia, Sri Lanka, Bangladesh, Vietnam, Nepal, Pakistan, Myanmar, Thailand and Cambodia);
  • PCI DSS attestation;
  • launching a multi-currency plastic card;
  • development of software for processing payments and launching crypto-currency acquiring. ZODIAQ ECO System:
  • launching currency of the project;
  • withdrawal of the project currency to external exchanges;
  • formation of strategic partnerships;
  • launching tools for processing tokens;
  • development of own blockchain.
Financial indicators
The gross turnover of the system is 50,000,000 USD.
The number of the customer base is 500 000 users.
The revenue is 3,000,000 USD.
2019
Cryptobank:
  • authorization of SWIFT/SEPA;
  • VISA/MC membership;
  • issue of cards;
  • development of an open API.
Currency Exchange:
  • increase of the working capital;
  • launching the decentralization module;
  • introduction of margin trading;
  • Authorization with other exchanges;
  • development of investment accounts;
  • expansion of service geography.
ZEST Foundation:
  • development of algorithms for bidding strategies;
  • invested strategies;
  • venture investing;
  • microcrediting;
  • providing margin liquidity.
Payment system:
  • acquiring;
  • POS-terminals for receiving crypto-currencies in retail outlets;
  • installation of cryptonates;
  • launching of cross-border money transfers.
ZODIAQ ECO System:
  • transfer of the system to its own blockchain;
  • connecting third-party banks to ZODIAQ platform;
  • SEC attestation;
  • legal structuring.
Financial indicators
The gross turnover of the system is 300,000,000 USD.
The number of the customer base is 10 000 000 users.
The revenue is 10,000,000 USD.
TEAM
Oliver Kempkens: CEO
Aleksandr Gorbov: CVO, Co-Founder
Pavel Dmitriev: CMO, Co-Founder
Erik Shekhmametev: COO, Co-Founder
Vyacheslav Grachev: CTO
Ilya Churakov: Marketing Strategy Advisor
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