Crypterium – Cryptobank for Cryptopeople
Crypterium — Cryptobank for Cryptopeople

    
    
              
              The JP Morgan of Cryptobanks
              Pay with any cryptocurrency in 42 000 000 stores worldwide
              
                
                  Without physical card,
                  limits and commissions
                
                
                  Use your token as a gas and get reward in
                  CRPT from all users transactions every month
                
              Whitepaper See our MVP Chat
              
              
              
            
    
      Crypterium looks like to be the next big thing
      Keith Teare, Co-founder of TechCrunch
    
    
        
          1 CRPT token price: 0.0001 BTC
          
          Extra-tokens up to +6%
          
          ICO Participants: 140 000+
          
        Buy CRPT tokens NOW
      

    
        
          Cryptobanking potential market
          
        
        
          Crypterium is one of the
        
        
        
          most promising fintech companies according to Financial IT
        
      
    
      Token Sale Stages
      
        
          
            Stage finished
          
          
          31 October from 10:00:00 (UTC-4)
          
        
        
          
            Stage finished
          
          
          7 November from 00:00:00 (UTC-4)
          
        
        
          
            Stage finished
          
          
          28 November from 00:00:00 (UTC-4)
          
        
        
        
          
          19 December from 00:00:00 (UTC-4)
          
        
      
    
    
        
          CRPT — “GAS” in Crypterium transactions
          
            
              0.5%
            
            
              0.5% from every transaction in CRPT tokens is “burned” forever for conducting the transaction, creating constant demand for CRPT.
            
          
        
        
          CRPT Monthly Loyalty Function
          
            
              30%
            
            
              Up to 30% of Crypterium transactional income distributed monthly in CRPT between tokenholders and active users depending on their payment activity in Bitcoin Bank.
            
          
        
      
    
      
          
            Keith Teare about Crypterium
          
        
      
        
              Founders on Crypterium Banking Revolution
              
            
        
              Keith Teare, co-founder of Techcrunch about Crypterium
              
            
        
              Crypterium mobile bank 0.5 is ready — See how it works
              
            
        
              Vladimir Gorbunov discusses the role of сryptobanks with creator of Ethereum
              
            
      
    
    
        A cryptobank for everyone
        
          In 8 years’ time, the crypto-economy will exceed 10 trillion dollars. Crypto Capitale will become a cornerstone in the relations between decentralized economy and future daily life by expanding payment infrastructure and possibilities, creating new cryptocurrency payments scenarios and lowering interest rates. Crypterium is a cryptobank creating the future, today.
        
        
          
            Worldwide
          
          
            200 000 000
            potential clients
          
          
            Lower costs
            up to 8x lower
            transaction costs
          
          
            No Borders
            for international payments
          
          
            100x Faster
            transaction speed
            up to 100x faster
          
        
        
            
              500
            
            billion USD — expected revenue
            of cryptobanks by 2025
          
      
    
        
          Our core
        
        Leading Cryptobank
        for the Cryptoeconomy
        
          Crypterium's goal is to provide a complete vertically integrated service that encompasses the best ideas from the entire community of the world's best blockchain enthusiasts.
        
          
            Mobile Cryptobank
            
              Instant cryptocurrency payments without limits in 42 mln stores
              Loyalty programs and cashback
              Contactless payments via NFC, QR, ApplePay, AndroidPay
            
          
          
            Cryptocurrency Acquiring
            
              Solutions for every sphere of retail trade and services
              Native integrations with POS software
              Crypto-to-fiat settlements
            
          
          
            OpenAPI Platform
            
              AppStore for retail cryptocurrency software and solutions
              Own decentralized server infrastructure
              Third-party integrations – Easy!
            
          
          
            Blockchain Based Loans
            
              Instant loans anywhere in the world
              Combination of current scoring systems and smart contracts
              Uniﬁed exchange for liquidity and lowering risks
            
          
        Whitepaper
      
    
          
            Smart Contract Wallet
            PCI-DSS Certification
            Manageable Limits (daily, single)
          
            Multisig Wallet
            Real-time Fraud Monitoring
            Technical and Financial Audit
          
        
    
          
            Solutions
            Crypterium is a contactless cryptobank for everyone
            
              Everything you need in your smartphone: payments, transfers,
              currency exchange, instant loans. Our goal - replace your bank.
            
            
              No more wait times for your card to be issued.
              You will get your virtual card just after registration. 
              No limits on transaction volume.
              Seriously, no limits in crypto or ﬁat.
              No need for currency exchanges. Instant payments
              in ﬁat money or cryptocurrencies internationally.
              Integration with third-party payment wallets or services
              (PayPal, Gyft, WeChat, Alipay, PayTM)
              Loyalty programs and cashback for every transaction,
              increased cashback for token holders.
              Contactless payments options – ApplePay, SamsungPay,
              AndroidPay, QR code mechanics and many others.
            
          
          
                  
                    NFC VISA Payment
                  
        
    
      
        Mobile cryptobank
      
      
      Crypterium's technology platform is based on algorithms that ensure the most efficient bid-offer matching across natural peer-to-peer flow as well as third party crypto-exchanges. All historical transactions are stored in a dedicated data-warehouses that continuously analyses the data to enhance risk management and identify predictive behaviours, and in turn enable Crypterium to optimize the cryptocurrency exchange process and better educate the customer on possible payment strategies, for example, it may highlight different payment mixes depending on the current cryptocurrencies valuations. In other words, everything possible is done to ensure that the customer gets the best deal.
    
        Cryptocurrency acquiring solution for merchants
        We are creating a global cryptopayments infrastructure
        
          
            
              Merchants receive ﬁat money even if payment is made in cryptocurrency
              Ready-to-use solutions for e-commerce platforms and site builders
              Commissions are lower than card acquirement — only 0.5%
              In-built exchange, marketing platform and solutions for automatic loyalty programs
              Integrations with main POS software: R-keeper, Inpass, Cegid, Amber, BitQT
              18 uniques solution for every sphere of retail trade and services:
              SMB, street-retail, HoReCa, e-commerce, transport sphere, vending,
              parking and others
            
          
          
        
      
    
      
        Crypterium payment cases
      
      
      
        
            Shop
            
              
              
                
                    
                    
                      1
                    
                    
                      Open Crypterium
                      mobile bank app
                    
                  
                
                  Cashback is higher — up to 50%
                  Personal and payment information security
                  Loyalty and bonus mechanics
                
              
            
          
        
            Online store
            
              
              
                
                    
                    
                      1
                    
                    
                      Open Crypterium
                      mobile bank app
                    
                  
                
                  No need for registration of authorization on site
                  Security of personal and payment information
                  No need to fill up delivery or purchase details forms
                  Purchase process is faster up to 10x times
                
              
            
          
        
            Street retail
            
              
              
                
                    
                    
                      1
                    
                    
                      Open Crypterium
                      mobile bank app
                    
                  
                
                  Cashless, contactless payments available
                  even for street kiosks
                  Faster and safer payment
                
              
            
          
        
            Restaurant
            
              
              
                
                    
                    
                      1
                    
                    
                      Open Crypterium
                      mobile bank app
                    
                  
                
                  No need to ask a waiter to pay
                  Faster and more convenient payments
                
              
            
          
        
            Parking
            
              
              
                
                    
                    
                      1
                    
                    
                      Open Crypterium
                      mobile bank app
                    
                  
                
                  Pay for your parking while you stay inside the car
                  Get cashback for your parking or transport expenses
                
              
            
          
      
    
    
      
        
          Credit subtoken
        
        Technology of a blockchain based credit system
        
          Credit subtoken (CRED) gives the opportunity to create a full-fledged banking structure
          and interest interactions based on blockchain.
        
        
          
            
            
            
              A customer obtains a Crypterium Credit Currency Loan, CRED, underpinned by a smart contract that takes account of that customer's unique credit rating and in turn applies specific interest rates and conditions (which may or may not include collateral).
            
          
          
            
            
            
              The customer then converts the loan into a currency of his choice on a dedicated currency exchange. This is done seamlessly within Crypterium at the request of the customer.
            
          
          
            
            
            
              Liquidity, guaranteed by Crypterium, will reduce volatility and adjust interest rates. The credit itself may also be tracked to a world currency index to avoid sharp fluctuations.
            
          
          
            
            
            
              At the end of the loan period, the borrower must repay in CRED including interest, purchasing the cryptocurrency from the CRED Currency Exchange
            
          
          
            
            
            
              The borrower has now completed his repayment obligations and has amended his credit score for future loan requests
            
          
          
            
            
            
              The cycle of crypto to fiat and back again, creates an inherent need for Crypterium based services and ultimately an enhanced demand for CRED
            
          
        
        Credit subtoken is a new standard
        of cryptocredit based on the blockchain system
        
          
            The first subtoken of its kind with secured liquidity
            Owners of credit subtokens receive income much higher than the average market
          
          
            Decentralized storage of the reputation of borrowers in smart contracts
            Opportunity to use CRED by other cryptobanks
          
        
      
      
      Read CRED Whitepaper
    
        Crypterium OpenAPI — A banking platform that enables developer solutions for a decentralised economy
        
          
            
              Modular structure enabling easy implementation for different softwares
              Advanced payment and processing technologies, fine-tuned
              from more than 3 years of development testing
              Unified AppStore for retail cryptocurrency solutions
              with a Crypterium products audience
              ‘Sandbox’ for early stage development
              and debugging software
              Opportunity to deploy developed software and services
              on a decentralized Crypterium server infrastructure
            Learn more
          
          
        
      
    
        Tokenholder benefits
        CRPT Token Properties
        
          CRPT— “GAS” in Crypterium transactions
          
            
                0.5%
                  from every transaction
                  is "fuel"
                
              
            
              0.5% from every transaction in CRPT tokens is “burned” forever for conducting the transaction. “Burning process” is decentrally regulated by smart-contracts. 0.5% will be calculated based on current exchange rate.
              CRPT tokens issued during the ICO are the only tokens which will be issued by Crypterium.
              No CRPT tokens will be issued after ICO.
              The purchase of tokens during the ICO is the guaranteed way to use Crypterium settlements and purchase CRPT token for fixed price. Users, who has no tokens will have to buy CRPT tokens from tokenholders to use Crypterium ultimate banking possibilities. Crypterium is aimed on list it’s token on exchanges after ICO to support and enlarge userbase.
            
          
        
        
          CRPT supports users and tokenholders
          
            
              
                MLP
                  Monthly Loyalty Program
                
              
              
              
                30%
                  Of all Crypterium’s
                  transaction income
                
              
            
            
              Up to 30% of Crypterium’s transactional income forms the Monthly Loyalty Program which is aimed on stimulating users to make more transactions via Crypterium and also to encourage especially active users. Loyalty rewards are made in CRPT tokens, which are purchased by Crypterium from public and private exchanges based on the current exchange rate at the time of purchase.
              Each user’s loyalty rewards depends only on the amount of transaction he/she is made during the month in Crypterium services.
              
                
                  
                    Platinum 50%
                  
                  25 000+ CRPT necessary ownership
                    amount
                  
                
                
                  
                    Gold 35%
                  
                  8 000+ CRPT necessary ownership
                    amount
                  
                
                
                  
                    Silver 10%
                  
                  1+ CRPT necessary ownership
                    amount
                  
                
                
                  
                    Bronze 5%
                  
                  
                    No necessary
                    ownership amount
                  
                
              
            
          
        
        
            ExampleThe total income of Crypterium for the month was $5,000,000, of which $1,500,000 was used to buy tokens and fill up cashback fund. The distribution will occur this way: imagine that in the platinum group are 1,000 tokenholders, who made transactions for $1,000,000 in total. At the same time, one of the tokenholders made transactions for $10,000, therefore making 1% of the total volume of group's transactions. This means that he will receive 1% of the volume of the token fund in CRPT tokens, which in dollar terms will be $7,500 dollars. This is a good motivation to make further transactions.
          Learn more
      
    
        Our Story
        
          
            
              2013
            
            Contactless Payment
            Technologies
            
              First company in Eastern Europe to develop mobile payment solutions based on QR-code scanning. Raised more than $1 million in investments during round A.
            
          
          
            
              2015
            
            Universal tool
            for daily payments
            
              More than 300 integrations with the most popular e-commerce retail services delivering a universal payment application for the most common daily needs. Successfully raised $7 million during round B.
            
          
          
            
              2017
            
            Interbanking direct
            payment protocol
            
              Creation of a direct debit protocol that is key to ensuring payment processes can be applied with virtually zero fees, enabling users to focus on their payment experience and rewards.
            
          
          
            
              2018
            
            Mobile Cryptobank
            
              Cryptocurrencies effectively enable users to make international low cost secure transactions. The mobile cryptobank maintains the best payment experience and enriches it with a wide range of practical features.
            See our roadmap
          
          
            
              2020
            
            Cryptocurencies Ecosystem
            
              Drivers required for the cryptoeconomy to emerge as the standard for those things that can not be developed out of the current box and which require dedicated technology solutions.
            See our roadmap
          
        
      
    
        Road map
        
          The achievement of all goals is laid out in this roadmap. We are continually working to meet deadlines, but if delays are required to maintain high standards, the timeline will be be adjusted as necessary.
        
        
      
    
        ICO timeline
        
          
          
              
                  
                    30 000+
                  
                  
                    Token purchase amount
                  
                
              
                  
                    3 000+
                  
                  
                    Token purchase amount
                  
                
              
                  
                    10 000+
                  
                  
                    Token purchase amount
                  
                
              
                  
                    75+
                  
                  
                    Token purchase amount
                  
                
            
          
              
                
                  7 November — 27 November
                
                
                    
                      75+
                    
                    
                      Token purchase amount
                    
                  
              
              
                
                  28 November — 11 December
                
                
                    
                      75+
                    
                    
                      Token purchase amount
                    
                  
              
              
                
                  12 December — 18 December
                
                
                    
                      75+
                    
                    
                      Token purchase amount
                    
                  
              
              
                
                  19 December — 25 December
                
                
                    
                      75+
                    
                    
                      Token purchase amount
                    
                  
              
            
          
          
          
        
      
    
      Crypterium Expenses
      And Corresponding Results
      
          
            
              $3 mlns USD
            
            
              Crypterium
              Cryptocurrency
              Wallet
            
          
          
            
              $8 mlns USD
            
            
              Crypterium
              Mobile Bank
            
          
          
            
              $15.5 mlns USD
            
            
              Cryptoacquiring
              Solutions
            
          
          
            
              $28 mlns USD
            
            
              Cryptopayments
              Global Infrastructure
            
          
          
            
              $31 mlns USD
            
            
              Licensed Banking
              Services
            
          
          
            
              $34.5 mlns USD
            
            
              OpenAPI
              Platform
            
          
          
            
              $36.5 mlns USD
            
            
              Complementary
              Services Development
            
          
          
            
              $47 mlns USD
            
            
              Credit Token
              Technology
            
          
        
      
        
            $3 mlns USD Crypterium Cryptocurrency Wallet
            
              Processing Center
              Fiat-to-Crypto and vice versa instant exchanges
              NFС payment support (only for Android devices via card emulation)
              Integrations with third-party Cryptocurrency payment infrastructure
              P2P transfers in fiat and crypto currencies
            
          
        
            $8 mlns USD Crypterium Mobile Bank
            
              Implementation of Crypterium SX technology – lower commission on multicurrency operations
              Native contactless payment support (Apple Pay, Samsung Pay, Android Pay, etc.)
              Partnership with banks or financial institutions in every region of financial activities – to guarantee stability and security of settlements
              Integrations with third-party daily financial services (subscription management, accounting, etc.)
            
          
        
            $15.5 mlns Cryptoacquiring Solutions
            
              Contactless payment solutions implementation to inPOS and e-commerce cryptocurrency payments
              Integrations with global POS software
              Fiat money and Cryptocurrency settlement for merchants – no problems in accounting
              More than 5000 POS connected to our own payment infrastructure worldwide
            
          
        
            $28 mlns USD Cryptopayments Global Infrastructure
            
              Solutions for integrating cryptopayments unique mechanics into everyday expenses (transport, automated POS, street retail, etc.)
              Lower commissions on payments and settlements for merchants
              Marketing and bonus platform implementations
              More than 25000 POS connected to our own payment infrastructure worldwide
            
          
        
            $31 mlns USD Licensed Banking Services
            
              Wealth management, brokerage accounts, private banking and retirement planning
              Licensing Crypterium as a European bank
              Lobbying the interests of the blockchain community
              Lower commission on all operations
              Increase in stability, independency and security for all activities
            
          
        
            $34.5 mlns USD OpenAPI Platform
            
              Decentralized server infrastructure
              OpenAPI payments and transactions gates
              Exchange integration support
              Open processing system for corporate projects
              Loyalty and marketing in-built systems support
              Unified standards of operation with cryptocurrency
            
          
        
            $36.5 mlns USD Complementary Services Development
            
              AppStore for blockchain and cryptocurrency solutions
              AppStore for OpenAPI based products
              In-app purchases mechanics
              Complementary services development – escrow, hedging services, “secure” purchase, etc.
              Platforms and services expansion
              Integration with majority of key Cryptocurrency projects
            
          
        
            $47 mlns USD Credit Token Technology
            
              Secured loans by collateral
              Integrations with scoring platforms
              Forming own scoring AI platform
              Credit Token trading exchange development
              Algorithms and mechanics for self-regulated Credit Token exchange rates
              Obtaining a banking license
              Further integrations with blockchain-community projects
              Global association of Cryptoeconomy development
            
          
      
    
    
        Join us right now and get 6% bonus tokens!
        
        
      
    
        Token Structure
        
          
              Distributed to Community
              
                70%
              
            
          
            
              
                Cost of 1 token CRPT:
                
                
                  0.0001 BTC
                
              
              
                Term of token sale:
                
                
                  75 days with the possibility of an automatic early completion in pursuing the final goals of ICO
                
              
              
                Expanded goals after start of ICO:
                
                
                  Impossible
                
              
              
                Technical limitation of number
                  of tokens:
                
                
                  300 000 000
                
              
              
                Adjustable emission:
                
                
                  All unsold and unallocated tokens will bе destroyed and additional release оf tokens will not be possible
                
              
              
                Secured ways to purchase tokens:
                
                
                  Bitcoin (ВТC), Ethereum (ETH), fiat payments, Crypto Revolt
                
              
              
            
            
              
                Set start of ICO
              
              
                31 October
                2017
              
              
                10:00:00 UTC-4
              
            
          
        
      
    
        Technological perfection
        Smart Contract
          
            
              Contract fully complies with
              finalized ERC20 standard
            
          
          
            
              Contract functions are well protected from unauthorized access, and don’t perform any external calls, effectively eliminating broad variety of problems
            
          
          
        
         Source code  Audit  Instructions
        
      

    
        Our advisors
        
          
            
            
              
                Keith Teare
              
              
                Executive Chair at Accelerated Digital Ventures
              
              
                A leading figure past and present in many important companies including Archimedes Labs, Minds and Machines Inc, MedCo, EasyNet and RealNames to name just a small few, Keith is also one of the co-founders of Techcrunch.
              LinkedIn
            
          
          
            
            
              
                Elie Galem
              
              
                Chief Investment Officer at Eastmore Group
              
              
                Mathematician and quantitative hedge fund CIO, Elie is an advisor to tier one projects bringing Blockchain, ICO, Digital Assets & Cryptocurrencies to the financial ecosystem, including Bancor, Legolas Exchange, and Gimli.
              LinkedIn
            
          
          
            
            
              
                Katrina Arden
              
              
                Founder of Blockchain Law Group
              
              
                Katrina Arden is a blockchain attorney licensed in the state of California, USA. She has been involved in the blockchain community since 2016 and consulted on multiple token sale projects (Cryptonomos, Giga Watt project, ICOBox, and others). Katrina is a founder of Blockchain Law Group, which offers consulting in the field of blockchain technology, issuance of product and security tokens, and cryptocurrency matters.
              LinkedIn
            
          
          
            
            
              
                Fabio Tamburrano
              
              
                Experienced CFO, General Director and current
                Board Member of Coeclerici Spa Russia
              
              
                Global mining company with HQ in Milan, with a strong track record of corporate finance and investment management, Fabio learned his trade at companies such as Moody's and Deutsche Bank
              LinkedIn
            
          
          
            
            
              
                Roger Crook
              
              
                CEO of Capital Springboard
              
              
                Roger Crook is the Singapore’s leading peer-to-peer invoice financing platform for SMEs. He is the Former Global CEO of DHL Global Forwarding and has 25 years of international leadership and operational experience
              LinkedIn
            
          
          
            
            
              
                Andras Kristof
              
              
                CTO at Yojee, Founder and CEO
                of Fembusa Terminals Pte Ltd x
              
              
                The company made headlines when they unveiled Asia's first Bitcoin ATM in Singapore, the Tembusu Prime Bitcoin ATM. Andras is the founder and CTO of many groundbreaking companies in Asia.
              LinkedIn
            
          
          
            
            
              
                Vladimir Kapustin
              
              
                Founder of Firstline.ru, Project24.ru
                Advisor at Erachain.org
              
              
                Serial entrepreneur, venture cryptoinvestor, pioneer of digital insurance in Russia.
              LinkedIn
            
          
          
            
            
              
                Mike Raitsyn
              
              
                Founder of ICObox
              
              
                ICO professional
              LinkedIn
            
          
          
            
            
              
                Gabriel Zanko
              
              
                Founder of MobileyourLife
              
              
                Fintech entrepreneur-Advisor. Founder of MobileyourLife and involved in the AI-Fintech space providing solutions in the B2B space. ICO advisory in Fundraising Capital and International Business Development.
              LinkedIn
            
          
        
      
    
        Our team
        
          
            
            
              
                Steven Polyak
              
              
                Managing Director, Co-founder
              
              
                Steven is highly experienced investment banker with a
                focus of interest on capital markets in the USA and Russia.
              LinkedIn
            
          
          
            
            
              
                Austin Kimm
              
              
                IR Director, Co-founder
              
              
                Financial services CEO, Austin Kimm is an international
                strategist for established and start-up companies.
              LinkedIn
            
          
          
            
            
              
                Gleb Markov
              
              
                COO, Co-founder
              
              
                Fintech, banking and cryptocurrency
                Professional with over 10 years of experience in the industry.
              LinkedIn
            
          
          
            
            
              
                Vladimir Gorbunov
              
              
                CCO, Co-founder
              
              
                Entrepreneur with more than 10 successful new
                ventures and a particular focus on simplifying real-world issues through technology.
              LinkedIn
            
          
          
            
            
              
                Pavel Rasputin
              
              
                CMO
              
              
                Professional with more than 10 years of experience in marketing — from B2B for one of the biggest Russian software developing companies SKB Kontur to international B2C with Aviasales and Jetradar.com
              LinkedIn
            
          
          
            
            
              
                Nick Evdokimov
              
              
                Strategy Director
              
              
                Launched Blockchain Capital, Storj, Civic, Giga Watt and a lot of other successful tokens.
              LinkedIn
            
          
          
            
            
              
                Dimitriy Fomin
              
              
                CTO, Head of Security & QA
              
              
                Dimitriy is a blockchain and smart contracts
                developer with fintech experience.
              LinkedIn
            
          
          
            
            
              
                Georgii Chebotarev
              
              
                Company Administrator
              
              LinkedIn
            
          
          
            
            
              
                Ilya Churakov
              
              
                Video Producer
              
              LinkedIn
            
          
          
            
            
              
                Simon Sergeev
              
              
                Head of Support & Communications
              
              LinkedIn
            
          
          
            
            
              
                George Ermakov
              
              
                Strategy Development Manager
              
              LinkedIn
            
          
          
            
            
              
                Igor Tszyan-Nyn-Tsay
              
              
                Head of Law & Regulation
              
              LinkedIn
            
          
          
            
            
              
                Ruff Rubaker
              
              
                Аrt Director
              
              LinkedIn
            
          
          
            
            
              
                Ivan Vasiliev
              
              
                Senior R&D Engineer
              
              LinkedIn
            
          
          
            
            
              
                Igor Semenchenko
              
              
                Lead Mathematician, Senior Architect Developer
              
              LinkedIn
            
          
        
      
    
        FAQ
        
          
            What is a cryptobank?
            
              A cryptobank is a new kind of bank that provides the same type of services as a traditional high street bank, but with cryptoassets such as a cryptocurrencies and tokens rather than everyday money we are used to seeing today (often referred to as fiat money). Cryptobanks provide a service-payment infrastructure; a communication between the crypto-world and the fiat-world, opening up an opportunity for users to pay in cryptoassets, and the merchant to receive funds fiat money for services such as telephone, utilities, penalties, loans, taxes, internet, and so on. In simple terms, a cryptobank enables you to spend cryptocurrency in the real world.
            
          
          
            What is the difference between a wallet and a cryptobank?
            
              The main purpose of digital wallets is the transfer and storage of crypto assets. Like a savings account but with no interest, or the transfer from one crypto wallet to another crypto wallet. Crypterium’s Cryptobank offers so much more. As well as enabling the spending of the wallet’s digital assets though the crypto2fiat exchange it provides a wide range of additional important banking services such as asset currency exchange, lending, cross border payments and acquiring services (the ability for a merchant to receive a payment other than cash) for companies based on our own payment infrastructure. We also provide access for developers to our crypto-payment infrastructure through the open platform OpenAPI.
            
          
          
            How does credit subtoken CRED work?
            
              A customer obtains a loan in CRED tokens. The customer then converts the loan into a currency of his choice on a dedicated currency exchange within Crypterium. At the end of the loan period, the borrower must repay in CRED including interest, to complete his repayment obligations and amend his credit score for future loan requests. Credit subtoken CRED is a new standart of cryptocredit based on blockchain.
              
              A full 6 step credit subtoken CRED diagram can be found in our whitepaper (https://crypterium.io/wp).
            
          
          
            What is your team’s background?
            
              Many members of the Crypterium management team are highly experienced digital payment professionals coming from some of the most innovative Fintech sectors in Europe and having spent the better part of 10 years developing digital payment and banking solutions. This team is supported by experienced financial professionals and experienced C level executives who have worked in several different markets and countries.
              
              When combined, the team has attracted more than $50 million in investments toward fintech projects they have been responsible for creating and developing, including PayQR (Russia’s leading independent contactless payment platform – see further comment below), Workle (a digital sales platform that has over 1.5 million independent users selling everything from credit cards to security alarms) and Bonus Club (a digital loyalty program that is integrated into leading publishers’ websites).
            
          
          
            When will you release your mobile app?
            
              MVP is almost ready. Public access to the application will appear soon. For now it is in the process of internal testing and debugging. We have a vast experience in developing payment applications. Among them PayQR, Bonus Club, SaharCard.
            
          
          
            When does Crypterium ICO start?
            
              The token sale starts on October 31, 2017 and ends on January 13 (or sooner, if the token issue cap is reached). If you need to buy more than 20.000 tokens before the beginning of the ICO, please contact us: [email protected].
            
          
          
            What are the conditions for the pre-sale?
            
              The pre-sale starts on October 31 and ends on November 6. You can receive up to a 33% token bonus for purchases during this time period. I.e. if you buy 30.000 CRPT tokens, you will receive a bonus 9.900 CRPT tokens, so in total you’ll get 39.900 CRPT tokens. If you need an exclusive offer please contact us: [email protected].
            
          
          
            How can I contribute to the Crypterium ICO?
            
              Supported payment methods are Bitcoin (BTC), Ethereum (ETH) and fiat payments. You need to register an account in our book building platform: https://tokensale.crypterium.io/.
            
          
          
            What makes the Crypterium token (CRPT) unique?
            
              The uniqueness of the CRPT token is that it is demand-based. Each transaction in a crypto bank forms a demand for a token, because part of the funds from the transaction go toward its purchase on the open market. This ensures constant liquidity of the CRPT tokens.
            
          
          
            What are token holder benefits?
            
              30% from Crypterium’s transaction profit (merchant commission) will be used to thank our CRPT token-holders and the most active users through the acquisition distribution of CRPT tokens via a monthly loyalty fund (MLF). Acquired CRPT tokens are divided between existing token-holders, depending on their Crypterium bank usage. MLF refilling also creates constant demand for CRPT tokens.
            
          
          
            Is there a minimum amount of tokens to buy?
            
              Minimum token purchase amount during the token sale is just 75 CRPT tokens.
            
          
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            5 reasons why you should
            buy CRPT tokens
            
              
                Limited offerAll tokens will be issued only during ICO. This is coded in the CRPT Smart Contract, therefore it is 100% guaranteed by decentralized blockchain protocol. There will be no tokens issued after ICO.
              
              
                Constant demandAll Crypterium solutions require CRPT tokens for usage and the amount of tokens in circulation will constantly decrease. The CRPT token is the fuel for Crypterium transaction processing. With every transaction, a small number of CRPT tokens are “burned”.
              
              
                Loyalty rewardsBy owning CRPT tokens and making transactions you will automatically become a member of our Loyalty Program, which provides cashback up to 80% for every transaction you make.
              
              
                Compliance with SEC regulationWe worked closely with one of the best lawyers in blockchain and the SEC regulation sphere. Our legal opinion is that CRPT tokens are a utility and not a security. This guarantees a fast listing on exchanges after ICO.
              
              
                Technical brillianceThe team who developed CRPT Smart Contract has 5 years of experience in blockchain solutions. We also secured a technical audit from Ambisafe, who confirmed the quality and security of our Smart Contract.
              
            
          
          
            5 reasons why Crypterium is actually the next big thing
            
              
                7 years of experienceWe started creation of the most capable and convenient payment processing solution 7 years ago. Crypterium is the cumulative peak of that collaboration, utilizing the most efficient technology developed by our experienced team.
              
              
                Developed ecosystemCrypterium’s goal is not just to create another cryptowallet or bank cryptocard. We focus only on future technologies and infrastructure, using contactless payment technologies and creating full-fledged banking solutions.
              
              
                Lowest and fairest exchange ratesCrypterium will erase geographic and mental boundaries between different currencies and cryptoassets by guaranteeing the lowest exchange rate and immediate exchanges, using CrypteriumSX technology. Payment transfers and other transactions are quick and easy – no different than working in the currency of your own country.
              
              
                Credit and lending solutionsThe biggest difference between cryptocurrency and fiat is that cryptocurrencies can not generate standard interest profit like a banking system. We are creating solutions which will enable the generation of interest profit in a blockchain based world.
              
              
                Everything in your smartphoneWhy have a variety of services if you can’t access them quickly and easily? We are focused on mobile technologies to ensure we provide banking services with no limits, restrictions or delays.
              
            
          
        
  