Category: Recently Added Whitepapers

Who is the team?
The team comes out of Stanford, UC Berkeley, Palantir, and Google; its backers include Founders Fund Angel, Stanford-StartX, and Blocktower Capital. The TrueUSD team has developed a legal framework for collateralized cryptocurrencies in collaboration with WilmerHale and White & Case, and has a network of fiduciary, compliance, and banking partners.

What is TrueUSD?
TrueUSD is a USD-backed ERC20 stablecoin that is fully collateralized, legally protected, and transparently verified by third-party attestations. TrueUSD uses multiple escrow accounts to reduce counterparty risk, and to provide token-holders with legal protections against misappropriation. TrueUSD is the first asset token built on the TrustToken platform.

What is TrustToken?
TrustToken is a platform to create asset-backed tokens that you can easily buy and sell around the world. For example, gold to gold tokens or dollar to dollar tokens.

Who can use TrueUSD?
We’ve designed the alpha version to address the immediate needs of crypto exchanges, crypto traders, and financial companies.

Crypto Traders and Exchanges: Cryptocurrency traders want a trustworthy stablecoin to hedge against volatility, and enter crypto markets without immediate exposure to BTC/ETH.

Mainstream Commerce: Everyday people and businesses can enjoy the benefits of digital currencies (faster transaction speed than ACH, global reach) without the volatility of Bitcoin. Now you can pay a salary, take out a loan, or buy coffee with a cryptocurrency, enabling a new economy of cryptocurrency financial applications.

Developing economies: Some developing markets are increasingly reliant on cryptocurrencies for trade.
Financial institutions: Financial companies that want to get into crypto, but have reasonable reservations against putting e.g. $100M into a new algorithmic stablecoin vs. $100M of “legally-enforceable certificates of ownership of the US dollar”.

In the alpha version of TrueUSD, redemptions will be restricted to a $10,000 minimum. Anyone can use TrueUSD once they are listed on exchanges. In the 1.0 release of TrueUSD, we will lower our redemption minimum to allow for lower volume redemptions. Why this sequence? We’re opening access gradually so that stability can be maintained from the beginning.

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The life insurance industry generates billions of dollars in premiums every year. In 2016 alone, the total market size for premiums in the OECD region (40 reporting countries) was more than US$3.86 trillion dollars. Emerging Asia will be the fastest- growing market for life insurance with an estimated real compounded annual growth rate of 10.2%.

As an oligopoly, insurers have traditionally been able to benefit from the opacity and byzantine operating standards of the sector. One of the many examples of this is the inability of the insured to monetize their policies.

Most people do not realize that policies with cash value can be traded in the market for a higher cash value, that is, an individual could sell his policies to a third party instead of surrendering the policy. In 2014, policy lapses and surrenders were in excess of US$112 billion dollars in the US alone, of which it is estimated US$57 billion (250,000 policies) could have been resold in the market.

There are many advantages of buying an insurance policy on the open market. For example stable returns (superior to a similar asset class with the same risk ratings); fixed tenure; liquidity; and low correlation with other asset classes.

The minority of policyholders who know they can extract higher value from their policy face challenges in finding interested buyers as there is no recognizable marketplace. Buyers looking to add policies to their investment portfolio are confronted with similar, if not more, barriers to safely executing the purchase.

The disintermediation of the industry is also necessary on the after-service fulfilment of the insured. Many traditional companies have focused on creating value using technology to enhance periodic portfolio review, advisory or record keeping, but there is a bigger opportunity in ensuring the immutability and the peace-of-mind transition when the unfortunate circumstance of a claim arises. Whether the policyholder is an individual or a company, the fact remains that many individuals do not update their next of kin or beneficiaries when they change their portfolio or will.

This is also the case for companies due to employee turnover. The individuals who purchase and maintain the policies rely on practices that are handed over without a comprehensive understanding of the necessary obligations and task, relying on agents or third-party advisors to assist when the need arises. Agents and advisors themselves change over time, resulting in late premium payments, void claims and a biased portfolio that does not serve the current needs of the individual and company.

fidentiaX is the world’s first marketplace for tradable insurance policies. Our vision is to create a trading marketplace and repository of insurance policies for the masses by leveraging blockchain technology. This blockchain-powered marketplace will provide a trustless, immutable, auditable and transparent environment to disrupt the status quo. fidentiaX Open Source Foundation (FOSF) will be setup with the mission of proliferating the adaptation of blockchain technology in the Insurance Industry.

https://www.youtube.com/watch?v=kUQ1VGwkR_Q

Ink ​Protocol ​is ​developed ​by ​Listia, ​a ​P2P ​marketplace for ​buying ​and ​selling ​used ​goods ​online. ​Launched ​in 2009, ​the ​marketplace ​now ​has ​over ​10 ​million registered ​users ​who ​have ​exchanged ​100 ​million items. ​The ​company ​has raised ​$11MM ​in ​venture capital ​from ​prominent ​investors. Listia ​will ​be ​introducing ​a ​new ​decentralized reputation and ​payment ​system ​called ​Ink ​Protocol (“Ink”), ​which ​is ​powered ​by ​the ​Ethereum ​blockchain and ​XNK, ​an ​ERC20 compatible ​token. ​Ink ​helps ​users safely ​send ​and ​receive ​payments ​in ​P2P ​marketplaces ​while ​earning ​public reputation ​for ​every completed ​transaction. ​It ​greatly ​enhances ​the ​buying/selling ​process ​with ​decentralized reputation ​and ​feedback ​ratings, ​decentralized ​escrow ​for ​secure ​payments, ​third ​party ​dispute resolution, ​and ​very ​low ​transaction ​costs.

Ink ​can ​be ​integrated ​into ​new ​or ​existing ​marketplaces ​and ​can ​also ​be ​used ​in ​marketplaces that ​don’t ​directly ​handle ​payments ​(eg, ​Craigslist ​and ​Facebook ​Marketplace). ​For ​sellers,

accepting ​Ink ​builds ​up ​their ​public ​reputation, ​which ​allows ​them ​to ​start ​selling ​quickly ​on ​new marketplaces ​without ​needing ​to ​build ​reputation ​from ​scratch. ​Buyers ​can ​view ​any ​seller’s

reputation ​across ​multiple ​marketplaces ​and ​confidently ​pay ​using ​either ​automated ​or

human-mediated ​escrow ​contracts. ​Payments ​can ​be ​made ​and ​received ​natively ​using ​the ​Ink

Protocol ​Token ​(XNK) ​or ​converted ​easily ​to ​and ​from ​fiat ​currencies ​like ​USD.

Ink ​will ​also ​become ​the ​new ​reputation ​and ​payment ​system ​within ​the ​Listia ​marketplace.

Listia ​currently ​uses ​a ​centralized ​virtual ​currency ​called ​Listia ​Credits ​for ​all ​transactions.

Existing ​users ​with ​Listia ​Credits ​will ​have ​their ​balances ​converted ​to ​XNK, ​providing ​Ink ​with ​a tremendous ​boost ​for ​initial ​usage, ​stability, ​and ​network ​effects ​on ​day ​one. ​Additionally, ​Listia will ​create ​a ​standalone ​payments ​app ​so ​users ​of ​local ​marketplaces ​such ​as ​Craigslist ​and Facebook ​Marketplace ​can ​build ​reputation ​and ​start ​using ​Ink ​right ​away. ​With ​large ​scale

adoption ​and ​apps ​that ​can ​be ​used ​in ​multiple ​marketplaces ​at ​launch, ​Ink ​is ​well ​situated ​to become ​the ​preferred ​reputation ​and ​payment ​system ​in ​all ​P2P ​marketplace ​transactions.

Satoshi Nakamoto dreamed of creating a cryptocurrency that could replace our current financial system that has time and again caused suffering around the world.

The idea was to create a platform of payments that was seamless, instant, secure, and powerful enough to free the poorest in the world from the oppression of fiat currencies by empowering them to break the cycle of financial dependency of banks. Nakamoto launched Bitcoin to the world in 2009, but 9 years later, the dream has still not been fully realized.

Cryptocurrencies are experiencing an amazing level of awareness growth when it comes to trading on exchanges, but the dream of a system of payments that was the foundations of the crypto revolution has not been achieved. While some spot locations around the world are using bitcoin and alternative cryptocurrencies for payments, the levels of adoption are so minuscule as to be statistically insignificant.

Our mission at GoByte is to fulfill the vision that cryptocurrencies were meant to usher in by creating a smart, powerful, and easy to use payment system that can be accessed and used by anyone on the planet. GoByte is the future of payments and will be the realization of the cryptocurrency revolution.

In November of 2017 a group of young developers from around the world got together virtually to create their own cryptocurrency. They took an existing currency called Dash with its foundations in Bitcoin and created a new coin and network called GoByte with the goal of changing how money transacts in the world. Now that the coin is launched, and the team has launched the GoByte Pay merchant payment system, the next step is to further advance the technology of the system making it easier and easier for consumers and merchants to use it on a daily basis. This will be achieved by launching a concerted business development and marketing strategy to get the product into the hands of merchants and consumers worldwide.

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stealthtext is a way to send stealthcoin privately and securely using SMS texting. stealthtext is invaluable
in situations where you can not access a data plan. With stealthtext, you can send others stealthcoin
directly from your wallet and receive confirmation by SMS. Unlike other services, it uses banking-grade
encryption to protect your transactions from the prying eyes of onlookers. Additionally, your transactions
are tamper resistant, so you can be completely confident that the transaction you enter into your phone is
faithfully executed by the stealthcoin network.

Stealthcoin Website
Stealthcoin Whitepaper

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InvestFeed Website
InvestFeed Whitepaper

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