(ver. 1.7)

COJAM WHITEPAPER

COJAM LIMITED

Table of Contents

1. Introduction p 1

2. Market Opportunity p 1

3. Advantages to operate Cryptocurrency Business from Ireland p 4

4. COJAM Value p 5

5. COJAM platform process p 5

6. Business model p 7

7. COJAM Blockchain System p 7

8. Token Distribution p 9

9. Road map p 9

10. Differences between COJAM and current Prediction Companies p 10

11. COJAM Social work p 10

12. COJAM Platform Business Overview & Development Detail p 11

13. COJAM officers and staff p 12

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1. Introduction

#Life is full of questions

COJAM started with the idea “Life is full of questions” where your question could be various anytime anywhere and you may predict your questions. For example, If rains tomorrow or not. COJAM creates content from here. It can be art & culture, community, competition, crowd solving, economy, science, etc. this means the area of interest is unlimited in a lifetime.

COJAM provides an Online Social Predictive Reward- based Platform, where users who produce new predictive content and many users who participate in the forecast platform can solve, compete, and enjoy participating in the process.

Each of the users’ questions and the result can be the content and this can be a source of the big data as well that other viewers may look for. This platform can lead all users to get linked with information integrated.

Participants’ ideas, the questions are their investment as well. The rewards are in integration and connection with all participants.

2. Market Opportunity

COJAM is an app program of a fun play area Google also has a sales application program.

Both apps are the same principle. Google sells products, and COJAM sells content Just like a lot of products are uploaded, a lot of predictions are uploaded.

Google gets a commission in US Dollars. When every single prediction is terminated, 5~10% of the Predictive Principal Tokens is set up as a commission to the COJAM platform. As Google and other general IT companies do. This aforementioned commission is collected by Bitcoin through automatic computer processing and gets sold on the exchange.

COJAM would like to point out that the users’ trans- action for the deposit(not only by using virtual currencies such Bitcoins or Ethereum, but also Euros or US Dollars in the future) is made through e-wallets on the platform.

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#hyper connectivity#super intelligence

It is connected to the nature of the frequent e-wallet tra- nsactions and this progress forms currency appreciation and quality Market itself.

All COJAM platform users can cash out, from the e-wallet, through a cryptocurrency exchange office as any other worldwide cryptocurrency users do. This leads us to connect the world to the future daily life transactions by a mobile application.

2.1. Business Description

#convergence of knowledge

#collective intelligenceCollective intelligence (CI) is shared or group intelligence that emerges from the collabo- ration, collective efforts, and competition of many individu- als and appears in consensus decision making. The term appears in socio- biology, political science and in context of mass peer review and crowdsourcing applications.

I t may invo lve  consensus,social capital and formalisms such as voting systems, social media and other means of qu-antifying mass activity.

#voting systems

This is a convergence platform of knowledge based on prediction where users who produce quest and those who participate to choose the answers, compete and receive co mpe nsat ion based on the co l l ec t ive inte l l igence results by a decentralized blockchain-based system.

2.1.1. Creation / participation A creator wil l post questions and example answers (concerning which the creator may provide multiple answers of at least two to ten answers) regarding issues that have creatively and uniquely arisen or already exist in daily life, selecting one of the six categories of culture/art, society, competition, collective solution, economy and science on the Platform, and the other participants (i.e., users) can openly vote for the most reasonable answers among the example answers.

2.1.2. Reservation & VoteParticipants select answers consistent with their thoughts out of the predictable example answers and deposit, their COJAM Tokens.

2.1.3. Result, calculation, and reward After the correct answer is drawn by majority vote according to the principle of collective intelligence, the creator who has provided the questions and example answers are paid reward tokens from all the tokens deposited by the participants following certain rates under the White Paper, and participants who select the correct answer are paid reward tokens based on the ratios of tokens deposited by individual participants in the group of participants selecting the correct answer.

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Creators who post questions and example answers are granted COJAM Tokens as a reward, and multiple parti- cipants put COJAM Tokens on an example answer that they think is correct. Participants who have selected answers consistent with a certain result are paid COJAM Tokens as a reward and those who have put on wrong answers lose COJAM Tokens.

Further, COJAM Tokens are a limited asset as only 5 billion tokens will be issued. The value of COJAM Tokens will fluctuate while they are circulated and used on the Platform.

2.2. Target

#creator #user

It is predictive content participants based which means everyone who can make a quest can be a participant once they upload the question. It is a global networking commu- nication through users.

Types of Users2 types of users are expected : There are users who prefer to become creators opening their ground. These new ground need to pass through approval and con- firmation process to ensure the COJAM platform Quality.

On the other hand, some users prefer to participate in the already approved content, getting available into the differ- ent COJAM categories, being ‘Hot Quest’ the most popular one.By joining the content, users save their ground creation time to be confirmed. In this way, the COJAM platform can satisfy both types of users’ profiles.

2.3. Service Line

#COJAM PlatformConvergence platform of know- ledge based on prediction.

The prediction service is provided on categories by users that can be Art&Culture, Community, Competition, Crowd solving, Economy, and Science. When the results are relea- sed, reporters who induced the correct answer and partici- pants who answered the correct answer will be a reward. The predicted results of COJAM are derived by collective intelligence where knowledge is converged before the actual result (fact) occurs.

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3. Advantages to operate Cryptocurrency Business from Ireland

#The Tara building, Tara st.Dublin 2, Ireland

First of all, Ireland is an English spoken country and is not affected by Brexit. The World leading IT companies Europe headquarters are located in like Google, Facebook and Airbnb (B&B), etc. Ireland is one of the world’s most innovative economies, according to a report from July 2018. Among Switzerland, the Netherlands, and Sweden, the Republic of Ireland ranks as the 10th most innovative–well-known for its tech exports and foreign direct investment (FDI) net flows. Ireland is in a good position to innovate by using cryptocurrencies.

A survey carried out in May 2018 suggests that the growing media interest in cryptocurrencies has meant that Irish people are becoming increasingly intrigued by the potential of cryptocurrencies. Currently, Irish prediction platform companies based on cryptocurrency transactions have been actively operated.

3.1. Certificate of Incorporation

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4. COJAM Value

#Challenge

#Overcome

#Time management#Peaceful coexistence

This is an Online Social Predictive Reward-type Platform where users who produce content and those who participate solve the answers, compete and receive compensation based on the results obtained by a decentralized blockchain–based system. The Marketability is one of the key aspects, due to every predictive question/content is rewarded.

This user ’s content is directly the user ’s own business product in the same way that B&B (Bed & Breakfast) offers its platform, not only to the room owners to be promoted, but also to the customers who search for a bed. This fact builds a feedback effect making COJAM token being moving along the platform for 24 hours.

After analysing these aforementioned key aspects, it could be said that COJAM is the Zero store on-line business for every user, along with a fun place to play.

5. COJAM platform process

Creation/Participation : Make and upload prediction or participate in the already existing hot issues arising from everyday life creative and unique.

Apart from the Hot Ground, COJAM offers also different sections such as Art & Culture, Community, Competition, Crowd solving, Economy and Science where users can play and have fun.

User Creation is the big difference between the COJAM platform and the usual prediction platforms. Inside of Art &Culture area, for example, any COJAM Art &Culture Prediction Result is set directly by the COJAM user, and every time another user participates in this prediction con- tent, the rate will be automatically calculated in real- time.

This difference allows COJAM to be into a different posi- tion becoming into a new platform concept.

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#CI (Collective Intelligence) Algorithm

Deposit : Participants find clues and information about the prediction ground and place COJAM Points (CP), as a de- posit in the correct answers.

COJAM platform is also integrated with cryptocurrency global providers letting participants exchange the most com- mon ones, such as Bitcoin and Ethereum among other cryptocurrencies, for their Deposits.

Report/Big Data : Logically approach the answers to the forecast ground to widen the selection of participants who will provide right and wrong answers. The data from both answers will be gathered and analysed for Big Data purposes strictly under GDPR (General Data Protection Regulation) ensuring that no personal data is exposed at any time.

We are already participants on Information Age, and COJAM implies a perfect match with this current age needs.

Results, Calculation & Reward : When the results are released, reporters who induced the correct answer and participants who answered the correct answer will be a re- ward.

5.1. Quality Ground Creation Process

#Creation Content : Content based on creat ive activity (Crowd Solving, Rese- arch)

#Non-creation Content : Co ntent based on natural occurrence (Politics, Competi- tion, Entertainment, Sports etc)

5.1.1.Season‘Season’ here categorizes the limited time that brings out the Duration of the Ground, at the same time as setting up a limited number of content/prediction ground.

Through this aforementioned Season concept, COJAM can offer every user with their content run as a limited edition. This allows COJAM to build a Quality Ground supported by an effective database.

To Create a Predictive Ground COJAM needs to ensure that every Prediction Ground/Content has the proper Quality. To achieve this goal, the Prediction should pro- gress through several statuses as shown below:

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5.1.2. Progress Statusa. Check if the current Season admits more content (Plus icon is enabled).b. Creation→Uploading Content (If new user, you can check “how-to” manual available when it is needed). c. Approved or Invalid State. d. Progression or Layover (Redistribution to manage except- ional circumstances during progression).e. Confirmation (Reward) or Disconfirmation (Redistribution).

6. Business model

Post–Corona, Comport, Humanities, Uncontact, Economic recovery = COJAM solution

Inside the COJAM Business model Advertisement feature is available. Every COJAM user can also promote own advertisement/products, being both the individual business user and corporate business user.

COJAM Business model

① User : Purchase CT② Creator : Quest upload③ COJAM : Quest evaluation ④ User : Choice & Voting⑤ COJAM : Quest Success Assessment (Majority Vote) ⑥ COJAM : Calculate charge⑦ User (Winner) & Creator : Reward CT

7. COJAM Blockchain System

#COJAM Token(CT) Design

Blockchain is the world’s most trusted all-in-one technolo- gical system on cryptocurrency transactions. We are connecting the world to the future daily life financial transaction through it. We are not simply creating a new cryptocurrency but COJAM Token is supported by the COJAM Blockchain platform, therefore COJAM tokens are continuously moving from one user’s e-wallet to another, keeping our crypto- currency alive, and achieving a stronger COJAM Token stability along the time.

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Figure 1. Image downloaded from Google : https://infocus.dellemc.com/william_schmarzo/blockchain- enablers-data-monetization/how-blockchain-works/

#On chain, #Smart contract#Utility Token

Blockchain-based with Hybrid back office

As the chain grows due to the increase of blocks, it causes an overload and becomes a slowing factor. Stacked content in smart contracts along with the lists retrieved one by one decreases the platform performance becoming increasingly slower.

COJAM service stays fast and maintains since this service is going to be a hybrid and slowing chains can be replaced in our own back office.

COJAM service is based on blockchain but a hybrid back office is executed by a confirmation algorithm computing our own back office. That is, it does not depend on all of the blockchains.

The typical processing of the blockchain is supported by COJAM technical service, stored on the blockchain and the back office. Only lists that have a verified database are loaded. This can make all the processing faster than pure blockchain technology only.

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8. Token Distribution

Sortation Ratio Token Quantity (ea) Lock upToken Sale 8% 400,000,000 NoMarketing 15% 750,000,000 After Listing, Unlock 1/36 monthDevelopment 15% 750,000,000 After Listing, Unlock 1/36 monthOperation 30% 1,500,000,000 After Listing, Unlock 1/96 monthTeam & Advisors 7% 350,000,000 After Listing, Unlock 1/36 monthEco (Partners) 5% 250,000,000 After Listing, Unlock 1/36 monthCompany Reserve 20% 1,000,000,000 2 years

Total 100% 5,000,000,000

9. Road map

3Q 2018 : Whitepaper ver. 1.0, Develop Prototype

4Q 2018 : Whitepaper ver. 1.1 Releasing

2Q 2019 : Develop Platform PC version (α ver.) Whitepaper ver. 1.2

3Q 2019 : Foundation COJAM(CEO. Angel Jimenez) Incorporation of COJAM EU Director Selection of European Advisors Certificate of Incorporation

4Q 2019 : Develop Platform PC version (β ver.) Business Plan and Canvas Business model Whitepaper ver. 1.3

1Q 2020 : Develop Platform PC+Mobile version (γ ver.) Partnership (KR) : DECA cooperative GDPR, Whitepaper ver. 1.4

2Q 2020 : γ ver. Roll-out & Test Legal Report (about COJAM Token) Partnership (KR) : Hachilabs, Xangle Whitepaper ver. 1.5

3Q 2020 : Main net release, Up load, & Launching COJAM Global Marketing Companies Setting

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10. Differences between COJAM and current Prediction Companies

Cryptocurrency Transaction :COJAM can compare the prices of the global exchange in real-time and make financial transactions using capital appreciation. This real-time process makes COJAM go 24 times faster than the previous prediction platforms by using Block chain-based with Hybrid back office.

Breaking Language barriers :Previous Platforms focused on the English market so far.COJAM instead is going to be released into the Asian Market. The COJAM platform’s users will be able to choose among Korean, Japanese and Chinese as language pre- ference.

Of course, the English market will be covered by the COJAM platform, being in fact the default language.

Future COJAM platform versions will include the Spanish language, which offers to COJAM a considerable potential for growth inside of the LATAM Market.

11. COJAM Social work

Circulation of Revenue with Social Work ParticipationPart of the revenue is donated to the community.One of COJAM’s roles as a profit company is to work with the marginalized group of people in the community. Those can be persons with a disability, Children in danger and so on to make a better and healthier community with the personal development of the people in need since we are aware that every individual is the smallest unit of the community and the society.

The results of every process lead to a donationCirculating Revenue with Community Work

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12. COJAM Platform Business Overview & Development Detail

#Platform α ver Platform α ver.a. Development of blockchain Back-End serviceb. Advanced predictive platform Prototype Designc. Development of predictive platform Back-End serviced. Development of predictive platform servicese. Predictive Platform Manager Web Solution Developmentf. Build AWS cloud design and monitoring systems

Platform β ver.a. COJAM Prototype Web Service Developmentb. COJAM Administrator Solution Development

Platform γ ver.a. Development of blockchain Back-End serviceb. Advanced predictive platform Prototype Designc. Development of predictive platform Back-End serviced. Development of predictive platform services (including manager solutions)e. Build AWS Cloud and monitoring systems

#COJAM project#Phono Sapiens

"COJAM Project" is a blockchain-based prediction platform.

The basic algorithm is based on collective intelligence.It is operated by process Quest, Choice, Voting, and Reward process covering all knowledge areas such as Art & Culture, Community, Competition, Crow Solving, Economy, Science, etc.

This is not a simple prediction of the outcome to be confirmed in the future but It recognizes the predicted result generated through the convergence process of collective intelligence as a correct conclusion before actual results being derived.

"COJAM" It is a platform to find solutions to uncertainty based on past experience and present problems from the perspective of the future.

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13. COJAM officers and staff

Hyungso Jo

□ COJAM Partner & Founder. □ COJAM Head of Overseas Department.□ MBA – JD: Master of Business Administration & Juris Doctor.□ Majored in Korean painting & B.S. Social Work.□ Art Director: Ceramic Mural Construction Management.□ Member of the Board: DECA Art Coop.□ Founder & CEO: M.O.M - Moment Of Miracle Organization Inc/Non-profit Social Work NGO.□ CEO Co-Founder: New Sein, Art Company

MissionCOJAM will contribute and challenge to compensate for the errors of human civilization by means of human collective intelligence reasonable doubts and sustainable predictions.VisionCOJAM will set a goal to implement overcoming time and space const- raints of collective intelligence, sharing and cooperating through know- ledge convergence, and building a lasting peace and symbiosis network based on intellectual property

Ángel Jiménez

□ COJAM CEO.□ COJAM European Union Director.□ QA Office Head & Solution Project Manager □ European Union: Eu-LISA_Strasbourg-France.□ Agile QA Head: Astrata Europe_Holland & Italy. Big Data, Web, Android & IOS, and Embedded developments.□ Master of SAP Business Intelligence and PMI-ACP.□ Computer Engineering degree: Erasmus scholarship – Università Politecnico di Milano.□ Technical Engineer - Double degree: a. Bachelor of Science in Business Information Technology. Erasmus scholarship - Glyndwr University (United Kingdom). b. Technical Engineer in Computer Systems. Upsam-Spain.

Oscar Jiménez

□ COJAM CMO. □ Market Research & Insight Manager.□ Big Data Analyst | Business Intelligence Specialist.□ Products and Services Manager. □ Bachelor of Business Administration and Management.□ Bachelor’s degree in Business, Management and Marketing.

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Lucía Bermejo

□ COJAM CFO.□ Compliance and Risk Control specialist.□ Previous experience working in Ireland.□ Technical in Depositary of Collective Investment Institutions□ University Course in Marketing and Communication in Fashion

and Luxury companies.□ Bachelor’s degree in Economics.

Iván Ortega

□ COJAM CTO.□ Operations manager.□ Blockchain Cash Pooling & Blockchain AML.□ Training in Quality and Environment with respect to UNE-EN ISO standards - 9001: 2015 AND UNEEN ISO 14001: 2015.□ CCNA Cisco Systems.□ Computer Technical Engineering

David Caballero

□ COJAM Head of Communications Department.□ Business Development specialist.□ Managing Customer Service in UK for last 8 years.□ Development of web/multiplatform applications with Big Data.□ HND Level 5 in Computer Science.□ BA (HONS) Business Management (First-class).

Marta Casado

□ COJAM Head of International HHRR Department.□ International mobility Business partner.□ International Recruitment Manager.□ Monographic Foreign and Displaced Workers.□ Bachelor’s degree in Labour Relations Specialist.□ Bachelor’s degree in Labour Science.

www.cojam.io

CEO of COJAM LIMITED : Ángel Jiménez

2020. 07. 10.