CRYPTORIYA CURRENCY EXCHANGE AND … · P A G E | 4 CRYPTORIYA CURRENCY EXCHANGE AND ASSETS...

COPYRIGHT 2018 © P A G E | 2 CRYPTORIYA CURRENCY EXCHANGE AND ASSETS MANAGEMENT LIMITED

| Contents |

1. Introduction to Cryptoriya............................................................................................................ 3

2. The Cryptoriya Function .............................................................................................................. 5

I. P2P System........................................................................................................................... 5

a. Cryptoriya Wallet.................................................................................................... 5

b. P2P Exchange.......................................................................................................... 7

II. P2E System……………………………………………….......................................................................... 9

a. Crypto to Crypto…………………………………………………………………………………………………. 10

b. Crypto to Cash ……………………………….…………………………………………………………………. 12

c. Crypto to Bank Account ….………………………………………………………………………………… 14

d. Crypto to Card Top-Up………………………………………………………………………………………. 16

III. The Cryptoriya Card……………….………………………………………………………………………………………. 17

a. Card Variety …………………………………………………………………………………………………….. 19

b. Loading Card………………………………………………………………………………………………………. 20

c. Payment System Process ………………………………………………………………………………….. 21

d. Example - ETH-Funded Purchase with CRYPTORIYA Card ………………..………………... 22

3. Cryptoriya Technology and MVP.................................................................................................. 23

Design and Approach.......................................................................................................... 23

Development Roadmap....................................................................................................... 25

4. Cryptoriya Initial Coin Offering...................................................................................................... 27

I. Highlights of Cryptoriya ICO................................................................................... 27

II. Cryptoriya Token Creation, Reserves & Breakdown.............................................. 27

III. Use of Funds........................................................................................................... 28

IV. Pre-Ico Participation and Bonuses ........................................................................ 29

V. CRYPTORIYA Token Benefits……………………………………………….……………………………… 30

5. Roadmap........................................................................................................................................ 31

6. Team.............................................................................................................................................. 32

7. Conclusion...................................................................................................................................... 38


1. INTRODUCTION TO CRYPTORIYA

Welcome to the world of cryptoriya. Cryptoriya is a first blockchain based

technology where users can exchange any cryptocurrency to cash within

minutes from anywhere globally.

In this era cryptocurrency is growing in the market very rapidly, but this remains

only in a digital way rather than being used in daily life.

For example, if you want to buy any product from a local shop or want to pay

parking fees or give cash to anyone, you’ll be unable to use cryptocurrency.

Another example can be if we're going to buy vegetables from the market we

are unable to use cryptocurrency and whatever amount of money we have, we


might be billionaires but if we want instant cash, it is not possible. However, the

situation has come to be handy in such a way that we can use any

cryptocurrency anywhere in the world and that it can be used instantly without

any banking cards to anyone.

To make this possible we can do the procedure that any cryptocurrency can be

exchanged in cash within minutes by cryptoriya.

We provide many exclusive services to our user. In this business world, there are

many services for collecting crypto transactions online or offline, but they are

not easy to use since they don’t provide a high level of security.

Cryptoriya gives the P2P and P2E exchange facility to their valuable users. We

provide direct conversion of digital currency through our website and apps.

In starting, cryptoriya converts 600+ cryptocurrency to your required

cryptocurrency & we aim to capture around 100% availability of cryptocurrency

within the 1st year.

Cryptoriya provides you this service in many ways like - cryptocurrency to

cryptocurrency, cryptocurrency to any wallet, cryptocurrency to any bank

account, cryptocurrency to a debit card, cryptocurrency to cash.

One of the most important things of cryptoriya is no KYC needed from our

valuable users. It is KYC free, so any user is free to use our services globally.

If you talk about the security level of cryptoriya, cryptoriya provides a higher

level of security with the latest technology, and we always update a new security

level as technology changes day by day.

We use only cold storage for every P2P exchange & wallet transaction, users

need to provide 2FA code for the security. The reason is so as the transaction

proceeds, our user operation is safe and secure.

Currently, many leading providers in the market are imposing excessive

commission for converting of Cryptocurrency while at the same time, cryptoriya

give you the free conversion of cryptocurrency; there will be no middleman, no

high commission. Cryptoriya is the only best solution for users to exchange their

cryptocurrency in any mode.


2. CRYPTORIYA WALLET

In the market, there are lots of wallets available but all of them are supporting their currency either 3 to 10 more coins or token but in the present climate people are quite busy with their work. On this situation they do not have so much time to do all these things, so they want something hybrid quickly performing.

If we have 30-40 different types of currency, we cannot take all of them in a

single wallet. We can store them in different portfolios, and if we want to

exchange them by a single click, we have to connect them one by one. Then we

able to transfer them.

Cryptoriya wallet is the single point access to all digital

assets. It is the wallet where you can store over sixteen

hundred types of currencies in 1 wallet. It is the solution of

different wallet systems for different coins/tokens, and it

also works efficiently. It is less time consuming; you may transfer

buy, sell your different types of coin form a single wallet. It can

save time and exchange smartly. It is a hybrid wallet where you can

store almost any cryptocurrency or token.


Cryptoriya wallet security system is very high. We can use only cold wallet i.e.; a

cold wallet is the offline wallet for storage a digital asset on platforms that not

connected to the internet. It protects from unauthorized access cyber hacks and

other vulnerabilities. Cryptoriya wallet is only accessible by using two-factor

authorizations. There is no direct access to the portfolio with email id, and

password.

The user has email id and password, but it is not sufficient to access the

cryptoriya wallet system. If you enter id and password after successful

authorization by proceeding, the next step for login is you have to provide 2fa

code by which you can log in, and for every transaction, you have to enter the

otp /2fa code that given your choice. It could be sms, email, authy, voice call or

ether letter by post. So, it is the highly secure and no one can access it by even

knowing id and password without 2fa code.


3. P2P EXCHANGE

Cryptocurrency have managed to scale through multiple hurdles in the period

of their reason. Cryptocurrency primarily used as a method of payments, and

various stores and vendors are also accepting cryptocurrency coins over the last

couple of years. Cryptocurrency have been rapidly growing around and

understanding its use and value to the public.

Globally, there are currently 51 Cryptocurrency exchange platforms in 27

countries of the world. According to the study, 52% of small exchanges hold a

formal government license compared to only 35% of large exchanges. 85% of all

exchanges in Asia pacific region have no license which comes into the sharp

contrast to north America exchanges where 78% of exchanges have such

licenses.

73% of exchanges takes custody of user funds where it will be attracted by

hackers. 23% let users control key for better security, 92% of exchanges use cold

storage system where on average, 87% of funds are kept in cold storage. Also,

the multi-signature wallet supported by 86% of large exchanges and 76% of

small exchanges.


Most of the exchanges follow traditional architecture, and there is only one

global P2P exchanges platform. Local bitcoin, while still relatively small, it has

recently seen a significant increase in the trade volume, reflecting higher

demand for Cryptocurrency.

cryptoriya is a global P2P exchange platform that allows users quickly and easily

convert one cryptocurrency into other Cryptocurrency or cash and vice-versa.

We have created cryptoriya as a direct response to a vast market problem that

exists in the global Cryptocurrency market. In the majority of countries around

the world, individuals are not able to quickly (instantly) and conveniently

convert one cryptocurrency into other Cryptocurrency or cash. While some

exchange platform is available, mostly lack of scale that offer simple tech

solution that requires security and it is challenging and complicated to use.


Cryptoriya will provide individuals a reliable and convenient platform to quickly exchange 1600 Cryptocurrency with the assurance of 100% that help the most popular payment methods for the Cryptocurrency available in the world.

To ensure the best user experience as well as protect the users cryptoriya will

act as a guarantor for the trades executed on the platform. Our motive is to give

you best service for your trading. We provide the service which is not offered by

any of the companies. We provide P2P exchange option for almost all

cryptocurrency as well as all-new token/cryptocurrency that added to our

system within 30 days of public release.

CRYPTORIYA P2E EXCHANGE

We offer the flexible cryptocurrency exchange option for you where you can

switch the primary mode of payments or exchange with crypto to crypto, crypto

to cash, crypto to bank deposit as well as crypto to the card.


CRYPTO TO CRYPTO

It is a platform that enables immediate exchange of the Cryptocurrency with

another Cryptocurrency. The cryptocurrency circulation was relatively new for

the whole world, as it often used with technology that keeps up with the times,

cryptocurrency is widely popular and continues to attract a new audience. The

growth in the popularity of cryptocurrency accompanied by the gradual

lowering of barriers to its circulation and new possibilities are appearing for the

development of the infrastructure.

The current option to exchange cryptocurrency in single exchanges is generally

limited to 20% - 30% type of Cryptocurrency in the available market but it can’t

help.

Cryptoriya P2E Exchange is starting with 600 types of Cryptocurrency &

stimulate further and expanding the exchange limit with more than sixteen

hundred+ Cryptocurrency within six months with the aim to cover 100%

availability of cryptocurrency/token exchange & 1st in this segment to provide

all exchange pair.


But only an explanation of crypto exchange is not sufficient. The privacy is also

essential to this. Most of the companies in the present market will ask user

detail & KYC, but our cryptoriya will not ask you for any types of personal detail

in exchanging. It is a new launch. None of the companies can trade 16 hundred

+ currency; only cryptoriya does it with a hope that every coin is tradable & not

depending on exchange mercy to listed on the exchange.

The trading fees for exchange are fluctuating from 0.5 to 10% in which the

companies are capable of exchanging only 20%-30% types of cryptocurrency,

which is quite expensive. We are going to solve the problem by providing almost

every kind of crypto, and we are not going to take that many fees for exchange.

The solution of cryptoriya is capable to transfers over sixteen hundred with a

little exchange fee.

Simple process for using our exchanges that gives you ever served with low

exchange fee.

1. User visit our website www.cryptoriya.io or mobile application.

2. Select the token option which you want to exchange.

3. Choose by which token you want to trade.

4. Then click on continue option.

6. Send your cryptocurrency to the displayed address.

http://www.cryptoriya.io/


7. As soon as the deposit confirmed in the blockchain network, the selected

currency will automatically transfer to your address, and your transaction is

complete.

CRYPTOCURRENCY TO CASH

In the present market, the majority of the token distributed from ICO’S is mainly

affected by the natural fluctuation within the crypto exchange platform and

their existence closely linked to their popularity there.

We offer flexible crypto exchange option with cash where everyone can

exchange any of the cryptocurrency into cash instantly. None of the companies

provides the service for changing cryptocurrency into liquid immediately.

Everyone will enjoy the benefit of it.

The cryptocurrency market system is more challenging compare to three or four

years back when the cryptocurrency initiated the demand was very low. But by-

passing time and people increasing the knowledge about cryptocurrency, the

market was grown. Such a way that you cannot accept by increasing demand

users wants more and more services & easy methods to use.


Nowadays, the time came where most of the things whether it is shopping in e-

commerce or playing games or paying the parking, etc. Are working with

cryptocurrency. The day by day currencies was digitalized, but it is not possible

to use it now because it fully digitalized. So, our company cryptoriya give you

the service that you can exchange any Cryptocurrency into cash within 10

minutes globally. We have served you a hybrid network. It functions globally.

You can transfer your cryptocurrency in any part of the world. We are providing

this system by analyzing the market because many of the companies are

providing a card for the cash transaction, but the fee is quite high. We also issue

cryptoriya cards, but we are offering as well as cryptocurrency to cash function

for a little cost because even users are not able to pay that much amount for the

only fee of the transaction for cards. We propose the service cryptocurrency into

cash which is available to everyone because we are offering with a meager price.

By following an easy and straight forward procedure, anyone can exchange

cryptocurrency into Cash.

1. User can visit our website www.cryptoriya.io/application

2. User first select crypto-currency which you have to exchange for cash.

3. Select which cryptocurrency you want to exchange.

4. Send your cryptocurrency to the displayed address.

5. Eight-digit code has generated in website or mobile application.

6. By having reference eight-digit code and order no, you can locate the

agent which is available worldwide.

7. Then you have to meet with an agent and show them your order number

and reference number.

8. The agent checked the order details in the system and generated otp will

come to your mobile no and email.

9. Than you have to share the otp with your agent. By doing all the

procedure, the agent can give you cash amount that you are demanding.


CRYPTO TO BANK DEPOSITS

The digital currency market is genuinely international, open 24 hours and offer

great potential for growth. The rapid increase of interest in Cryptocurrency led

to the creation of newly token available for daily trading. To better illustrate the

potential for investing in the cryptocurrency market, we present some facts

below.

1. The volume of the world cryptocurrency market in 2017 exceeded $160 billion*.

2. By the end of 2017 the volume of cryptocurrency transactions exceeded 1 trillion

dollars which is 15 times more than in the year 2016.

3. In the first half of 2017 the volume of cryptocurrency deals increased by more than

325 billion dollars. Today. the volume of everyday deals with cryptocurrency exceeds

2 billion dollars.

4. The number of unique active users of cryptocurrency wallets has grown more than

five times since 2013.

Total capitalization of the cryptocurrency market which is the current total value

of all digit capital is approx. USD 450 billion, which leaves a lot of room for future

growth and development.

The majority of cryptocurrency used in trading rather than any other processes.

All currencies regularly traded on many exchanges, but none of the companies

provides the services of depositing the cryptocurrency directly to your bank

account globally. As we see above, the market growth is increasing day by day,

but no other company will think to provide the function of any Cryptocurrency

to your bank account. Cryptoriya is the only one who can directly exchange

crypto to a bank account. The service is provided directly to you. The user does

not need to sign up and give us any document. The service is paper free. The

user does not need to share any personal document with us. The KYC is not

required to do this entire process. Here, there is the process of crypto to bank

transfer.


1. User can visit website/ apps.

2. The site is open. In selecting an option, the list of all the Cryptocurrency

is open over their.

3. Select the cryptocurrency that you want to deposit.

4. Select on deposit option, select country list in country list and select

bank account details.

5. By selecting all the above procedures, the limit is shown on your

screen. You have to fill all the required detail and click on start

transaction.

6. Now send your coin to display address & wait for your deposit to

confirm on the network. After confirmation on blockchain network,

your amount is sent to your bank account within 2-3 working days &

transaction is completed.

Here is the most critical question by which

account cash transferred to your account.

We have our company offshore account as

well as our agent account available

globally, so payment is transferred from

any of our company accounts/agents to

your accounts within 2-3 days. Cryptoriya

have reserve funds in bank account so

there is no delay in transaction.


CRYPTO TO CARD TOP UP

As we already discussed, all the crypto market is increasing right now and

represent a vast untapped resource of exchanges with the total market cap of

cryptocurrency reaching USD 450 billion in august 2017, and it is expected to

grow continuously.

There are a lot of companies in the market for enhancing the digital currency

market. They give their best, but we give you the service of sending

cryptocurrency directly to your card. The cryptoriya is the only company which

offers you the hybrid function of transmitting any cryptocurrency directly to

your card. We have a partnership with visa, master, and American express and

we are offering the lowest transaction fee as compared to the market.

The procedure of sending cryptocurrency to card top-up: -

• User visit our site/apps.

• Choose the cryptocurrency which you’d like to send.

• In send option, select crypto to the card and also select the card issuer.it may be visa

/master/american express picking the card issuer, gives us some details like card no,

email and mobile no.

• Click -start a transaction, and then coin chosen address is displayed on your screen

and you need to send the coin to the address. As soon as your deposit confirmed on

the blockchain network, the amount transferred to your card within four days.


THE CRYPTORIYA CARD EXECUTIVE SUMMARY

Ease of convert any crypto-currency makes the cryptoriya card a unique card for

anyone who regularly spends money. It is a single card to convert any

cryptocurrency.

Cryptoriya card is the card that work in everyday world. Some company’s

previous attempts have been made to create a bitcoin card that offers a

decentralized bank, instant conversions and stable exchange rates. Until

cryptoriya card has not achieved despite millions of dollars poured into this

concept.

We are in touch with some bank like ZURICH CANTONAL BANK(SWITZERLAND),

DELEN PRIVATE BANK (BELGIUM), CREDIT MUTUEL BANK(FRANCE), CAESIS

BANK (LUXEMBOURG) for banking partnership which has finalized to the extent

of 80%.

The debit card is issued through the visa network and delivered through courier

or by our nearest agent.

Key features • The physical cryptoriya card can use wherever visa cards are accepted. You can use it

for any online or offline transaction like a regular credit/debit card with the key

difference being that the user is spending cryptocurrency.

• A real-time transfer takes place each time the card received CIYA COIN or ETH.

• The ability to exchange any cryptocurrency to fiat with best exchange rates using

cryptoriya website, apps or exchange.

• No currency conversion fees; use it in any currency.

• Real-time transfer of funds from any cryptocurrency to cryptoriya card. Funds are

instantly available for the recipients cryptoriya card as soon as the transfer is

confirmed.

• Cryptoriya virtual cards are available from august 2018.

• Cryptoriya physical card can order from q3 2018


THE CRYPTORIYA CARD

To sign up for the cryptoriya card, subscribers need to visit cryptoriya.io and

complete a straightforward, 5-minute onboarding process, including non-kyc for

regular card & remote KYC for the luxury card. Once this completed, the

cryptoriya card will be issued, and customers get it via courier or from our agent

available around the world.

A physical card may use at more than 50 million visa merchants globally. It will

be used both online & offline purchases.

Precise interbank rates are guaranteed when using the cryptoriya card. No fees

or additional markups in real terms, the cardholder receives a saving of up to 7%

when compared to high street banks.

Cryptoriya card can be instantly funded, at no charge, with any cryptocurrency.

From q1, 2019 cash funding from our agent will also be available to load the

cryptoriya card.

Using the cryptoriya card to fund purchases is simple. Use it in any VISA enabled

merchant or an ATM. You can view the USD balances on your card via our

website/apps.


CRYPTORIYA CARD VARIETY

Card Type Regular Luxury

KYC NO YES

Card Issue Fees $25 Payable in CIYA tokens $100 Payable in CIYA tokens Crypto to Card Deposit

Fee 1.5 % 1%

Max Balance Equall to 7 BTC Equal to 75 BTC Monthly Spend Limits $ 30,000 USD UNLIMITED Card Daily Load Limits 1 BTC UNLIMITED Daily ATM Withdrawal

Limit $ 6,500 USD $ 25,000 USD

ATM Withdrawal Fees 2% 1%

Daily Trxn Limits $ 8,500 USD $ 50,000 USD

Monthly Card Fees Free $20 Payable in CIYA tokens

Online Purchases Free Free Declined trxn Charge $ 2.5 USD Payable in CIYA tokens $ 1 USD Payable in CIYA tokens

Chargeback Fees $ 20 USD Payable in CIYA tokens $ 15 USD Payable in CIYA tokens Currency Exchange Fees Free Free

Card Reissue Fees $20 Payable in CIYA tokens $15 Payable in CIYA tokens PIN Reissue Fees $10 Payable in CIYA tokens Free

PIN Generate from App $ 0.10 USD FREE Courier Charges DHL / Fedex Real Time DHL / Fedex Real Time


LOADING CRYPTO DEBIT CARD

In the back side of the cryptoriya debit card, there will be Ethereum address

embedded in QR code.

If any user willing to load crypto card then need to send ETHEREUM or CIYA

TOKEN to their cryptoriya debit card address, it will automatically convert to

card default currency in USD, GBP or EURO. The cryptoriya debit card will

instantly receive the amount from the converted digital money into desired

currency.

If any cryptoriya debit card holder wants to send the different digital currency

other than CIYA or ETHEREUM in their debit card, for those cryptoriya users can

visit our website or users can go for mobile application from where they can

exchange their currency into CIYA TOKEN to their debit card address directly.

And after loading of your debit card you can easily access your debit card in ATM

or users can do shopping globally.


PAYMENT SYSTEM PROCESS

Cryptoriya card allows users to exchange any crypto-currency in real-time. The

user can spend or withdraws at an ATM, cryptoriya card does not need to

maintain any minimum balance.


Example – Cryptocurrency funded

Purchase with CRYPTORIYA Card wiliam Want to purchase flight ticket from his cryptocurrency

& he immediately transferred cryptocurrency to Card Address

he did not need to wait for the exchange to send a traditional

wire/SEPA transfer. The funds were instantly available for him

to use on his Cryptoriya Card.

Example - BTC-funded ATM

WITHDRAWAL with CRYPTORIYA Card

Parker is new to all things crypto but wants to learn, so tried

to register for a bitcoin workshop in London.

Even though this is a crypto workshop, the organizers won’t

accept BTC as a method payment. Luckily, Parker has a

Cryptoriya Card so he sends 0.1 BTC to his card and registers

online.


CRYPTORIYA TECHNOLOGY AND MVP on implementing a seamless Blockchain technology, CRYPTORIYA team has continuously been sticking to some core principles and the real pain it is trying to solve for the unbanked. We have come to certain necessary conclusions based on the geographies we intend to cover and the products we want to offer. There are some underlying issues in financial inclusion of this underprivileged populace that has to be solved by a mix of traditional cash, existing agent networks, and advanced but seamless technology.

Few key areas that we have considered while building the tech: 1. Cash is still the dominant medium of exchange in the world. 2. Third party intermediaries and brokers are expensive. 3. Peer to Peer is the road we want to take for all Cryptoriya products eventually. 4. Smart contracts can be used to automate and create trust between participants. 5. Exchange of value should be fast and efficient. 6. Most of this population do not understand crypto, how it works and think it is agnostic.

1. DESIGN AND APPROACH

Most Cryptocurrency users have smartphones but cannot afford expensive hardware wallet. Blockchain is maturing and reaching a stage where there is currently a need for a single class, secure strong governance (decentralized) value exchange that uses maximum distributed computing, so it is efficient and scales to millions of transactions per second when powered/powering billions of devices (single class of machines) while maximizing security and minimizing transaction fees (to almost zero). To achieve this, we are focussing on the following stack of technologies:


On achieving this, our base technology must be very strong, and we have studied various blockchain platforms like ethereum, hyperledger, and bitshares, to make cryptoriya scalable we are looking at different off-chain solutions like raiden, ethereum’s lightning network, and plasma, but they are all still in nascent stages and even testing. We have tested and used bitshares in the past. It’s a high technology pegged to all 180+ countries via usd, but uses graphene and graphene was hard to stabilize and continued freezing. For several other reasons, we are staying clear for now. At the moment ethereum erc20 compliant ciya token for transactional is the best blockchain solution available to build cryptoriya platform. Our mvp will be based on that primarily because ethereum already has a good adaptation in the market, including exchanges and other corporations, will be released before the ico. Eventually we may opt for our public blockchain, but for now, we are building erc20 compliant ciya token and also looking at erc223 on ethereum main net. However, we continuously track the evolution of other blockchain platforms and technologies in case any other platform would provide higher smart contract flexibility or security for peer to peer financial smart contracts and scalability, such platform could also use.

CRYPTORIYA WALLET – We Will Include All Blockchain Platform Like Ethereum,

Blockchain, Waves, Bitcoin, Stellar, Neo, Graphene, Nem, Bitshares, Qtum,

Ethereum Classic, Omni, Eos, Steem & Hyperledger Will Connected In Our

Backend And Provide User To Access All Cryptocurrency From A Single Wallet.

P2P EXCHANGE - P2P exchange cryptoriya works with a complicated matching

process, high speed of transaction, virtually support, functionality and

efficiency.

Cryptoriya will bring P2P exchange in zero fees for their users.

Cryptoriya charges low fees from any coin company who wants to list their coin

in cryptoriya exchange.


CRYPTO TO CASH - Cryptoriya makes agent in worldwide. An agent will have the

mobile application, through a mobile app, the agent can see the order number

and reference id of our costumer and our aim to provide cash within ten minutes

globally.

CRYPTO TO CRYPTO - crypto to crypto works very simple if any cryptoriya users want to crypto to crypto conversion they can do it through our website /apps and select cryptocurrency and whatever desired currency the user wants and he have to choose, after selecting the desired cryptocurrency, once the deposit confirmed in the blockchain network the users will get his new coin in their wallet address automatically. CRYPTO TO BANK ACCOUNT- in cryptoriya if user willing to transfer their cryptocurrency to the bank account it can be done without KYC, cryptoriya takes cryptocurrency from the user and send the payable amount from the company offshore account to a user account. Cryptoriya has reserve funds in the bank account, so there is no delay in the transaction. CRYPTO TO CARD - it works to transfer the cryptocurrency to the card. Users can send their cryptocurrency into their any debit card should have the network of visa and master card. The user has to fill all the essential details of their card like card no & need to choose issuer network on our website or mobile application once the deposit amount confirmed in blockchain network user will get his payable amount on their debit card. There is no delay in this process because of the fund transfers by company reserve fund from company bank account.

2. DEVELOPMENT ROADMAP

We have a clear path to our vision, and we have prepared a development roadmap for our technology. Our team prefers a staged approach which means that each stage will have its deliverables: Stage 1. Official meeting with our team members and after doing market research, we made & launched alpha version. cryptoriya alpha platform will be working on Ethereum Test-net Blockchain with real user data. It will help us


prepare smart contracts and get feedback from the community, real users and make sure that this solution is viable. Stage 2. On testing of the alpha version, we have got success in our idea. We are preparing to launch our PRE-ICO in May 2018. Stage 3. A full working Beta Version will be ready by June 2018 with a fully functioning backend server with telematics integrations for real customer data gathering and prediction. IT Will include a CRYPTORIYA Wallet, CRYPTO TO CRYPTO & CRYPTO TO BANK ACCOUNTS as well as CRYPTO TO CARD TRANSFER. It tested in three steps. a) private b) invitation c) public after testing of the invitation version, the beta version for the public will get released. Stage 4. Our public ico start in July 2018. Our token will be listed in our exchange within five days of the close of our ico & within 2nd week of September it’s listed on others exchange. Stage 5. our Fully functioning DEBIT CARD to be released by August 2018 and open to all geographies and customers. Stage 6. CRYPTORIYA P2P & P2E Exchange launch for public usage and enabling massive adoption across geographies will happen by October 2018. Stage 7. Further development to increase the amount of transactions usability and throughput of the platform.


CRYPTORIYA INITIAL COIN OFFERING

Cryptoriya token is an ERC-20 utility token, with the functionalities as described in this whitepaper. The funds raised in the initial coin offering ("ico") will be used to scale the platform further, expand in more countries, assistance for local communities to build, investments in a small cryptoriya fund for the migrants, unbanked and hire more people on technology and business development. This is further detailed in next section. We would like to highlight that cryptoriya token does not constitute security in any form in any jurisdictions, and this whitepaper is not a solicitation of investment and does not relate to any form of an offering of securities in any jurisdiction. Please read the important notice at the end of this whitepaper for further clarifications.

HIGHLIGHTS OF CRYPTORIYA ICO

• 1 CIYA Token Is Equal To $ 0.50. • 1 ETH PRICE Locked to $1000 For PRE-ICO. • there is 0.1 ETH minimum purchase amount in PRE-ICO. • PRE-ICO sales period will be from 15th May 2018 at 9 AM GMT to 20th June 11 PM

GMT. Cryptoriya reserves the right to revise and amend the PRE-ICO sales period at its sole and absolute discretion.

• feedback & review period will be from 21st to 30th June 2018. This will include feedback, implementation, launches of beta, numerous partnerships, testing and other significant news in various countries

• ICO sales period will be from 1st July 2018 to 9 AM GMT to 14th August 2018 11 PM GMT.

• ether, btc and top 100 Cryptocurrency or Token can be used to purchase Cryptoriya token. Further details can be found at www.cryptoriya.io

CRYPTORIYA TOKEN CREATION, RESERVES, AND BREAKDOWN

Cryptoriya intends to raise 25,000 ETH from the pre-ico and the ico for further expansion, development and other growth activities. That is a total of 100 million cryptoriya tokens to be distributed to purchasers during the PRE-ICO and the ICO.

• 70% of the total tokens created will be sold during the pre-ico and the ico period. • 14% of total tokens created will be allocated to cryptoriya founders, early

investors, technology teams, existing and future employees of cryptoriya, and held in a pro-rata lock-in contract for at least six months.

• 7% of total tokens created during the ico will granted to advisors

• 5% of the total tokens created will be granted to the Bounty.

http://www.cryptoriya.io/


• 4% of the total tokens created will be allowed to the Partner & Agents.

USE OF FUNDS A detailed breakdown of the use of funds is described here. Essentially, the funds will be spent on:


Cryptoriya smart contract generate CIYA TOKEN & send instantly to the user address, and trading should ideally commence on September 2018 when holders of the cryptoriya token can start trading and transferring their cryptoriya token.


CRYPTORIYA TOKEN USAGE:

• Can Be exchange with any other coin.

• Can be trade on exchange.

• User need CIYA token to buy or pay any fees for Cryptoriya service.

• User can withdraw cash from crypto card any time.

• User use it to withdraw cash around the world from our agents.

• User can be exchange it to deposit cash or transfer fund to their card.


Our Road Map


10. Our Team

GRINGAMOR GREENHAND

Finance and Technology

Gringamor Has Over Seven Years of In-Depth Experience

Working in The Fields of Finance & Accounting. He Currently

Based in Luxembourg Working with Global Private Equity and

Real Estate Funds. Being Exposed to Daily Operations of Funds

and Corporations.

JENSINE MOLLER

Software Developer

A Professional Software Developer, Architect And Blockchain

Evangelist, JENSINE Has Architected And Developed Complex And

High-Load Projects With A Focus On Trading And Data Security.

s

GUILHERME AZEVEDO

Blockchain Developer

He has more than nine years of work experience in IT field and

has a free hand on blockchain technology to fly any project. He is

well versed with blockchain, and Cryptocurrency technology. He

has a good experience in creating new coin/token based on ERC

20, waves, wallet system and exchanging platform as well as ICO

launch landing page and dashboard.

PHILIP JACOBSEN

Financial Analyst

Philip Is the Financial Analyst for The Cryptoriya Project

Overseeing all three Financial Projections and Decisions and

The Overall Economics of The Project. He Is Seasoned and

Vastly Experienced.


LARA SANTOS

Creative Design

Lara has been working in the animation and post-production

field for the last 3 years. Her talents include: illustrating,

animating (character motion graphics), character design,

sound design, video editing, effects and website design.

MAHESH JONES

Partnership Head

With experience in marketing and business development

strategy, JONES main role at Cryptoriya involves strategic

alliances and true partnership development in both sales and

product development. He has Possesses extensive knowledge

of business/technology and a progressive, practical approach

to organizational improvement.

FERGUS GAMEZ

Lead PHP Developer

Lead frontend developer. Experience in building high loaded

systems. Expert on data protection and cloud technologies.

Experience in developing educational platforms.

NICEPHORUS BEZRUKOV

Hardware Developer

Programming skills of STM32 and other microcontrollers

with ARM architecture in the programming environment:

Keil, Ride, Cosmic, STM32CubeMX, Simulink for embedded

solutions; selection of optimal electronic components,

development of circuit diagram with further PCB trace in the

Allegro software environment.


Ryan Rodrigues

Marketing Manager

RYAN is a CRYPTORIYA marketing executive with more than 3

years of experience and has successfully built marketing

campaigns for more than 25 start-ups in the blockchain field.

YOGI GIBSON

Public Relation Manger

Strong public communication skills. Act as a support team in

the cryptoriya group to help public/investors in understanding

our projects and assist the user in any form of issue.

MATHEUS BARROS

Community Manager

Matheus is an online community manager and social media

strategist with 5 years of experience in developing projects and

creating communities around products. His background is

firmly grounded in online fin-tech marketing, hi-tech consumer

products, and banking.

Jaromir Kovalev

Chief Technology Officer

Kovalev leads to the blockchain, debit card, and mobile

development teams. He holds seven years of experience in

system design and software architecture. He built up a team

of award-winning engineers and is an accomplished full

stack developer with in-depth knowledge of Java, iOS,

Android platforms. He is also an avid blockchain enthusiast.


OUR ADVISORY

PIPPIN PROUDFOOT

Risk Analyst, Investment Adviser,

Business Strategist. Pippin Has

Over 15 Years’ Experience In

Commercial Banking, Liquidity

Risk, Treasury And Debt Capital

Markets. He Specialises In

Sourcing Talent For Ico Projects

And Other Aspects of The Business.

MARTIN FRIEDMANN

Marketing, Community

Management. MARTIN develops

and manages HD Group’s investor

relations programme. He is

responsible for robust and timely

communication with investors and

supports the production of

marketing materials. He also participates in marketing due

diligence meetings with investors and consultants. MARTIN has

a background in digital marketing and extensive experience in

building relationship networks.


FAUSTIN PRIMEAU

He is a global leader in blockchain

solutions. As one of the world’s

foremost experts on distributed

ledger technology, FAUSTIN is

committed to driving blockchain-

based innovations to create value

for clients and deliver disruptive

changes in industries from financial

services to retail. FAUSTIN and his team have helped customers

across the world harness the power of blockchain.

PATRICK HEYMANN

PATRICK has spent the majority

of his career as an investment

professional managing securities

portfolio for some of the world’s

top investment banks. With over

12 years of experience. It aims to

become a fully regulated service

provider for high-quality start-

ups, nurturing them from seed capital through to ICO and

potential IPO after that. PATRICK is an avid start-up investor and

entrepreneur holding several investment advisories and board

positions.


SHAWN SIMMS

Asset management specialist with

expertise regardless of areas, such as

stock firms and insurance companies.

He Has professionalism in stocks, bonds,

alternative investments and portfolio

management.

TRAI CAO

A Lead Technology and Banking

Consultant With 25 Years’ Experience

in Financial Services, Banking

Regulation, IT And Cyber Security.

Strong Analytical Skills and The Ability

to Translate Findings into Clear

Concise Specifications and Solutions

Coupled With Good Asset Class

Knowledge, Relational Database Skills,

And A Strong Technical Background.

Extensive Experience at All Levels of The Project Life-Cycle.

Specialising in Stakeholder Management, Detailed Analysis, Target

Operating Model, Process Design, Issue Management, Presentation,

And Training, Planning, and Testing. A Technology Enthusiast Focusing

on Regulatory, Cyber, Cloud, Blockchain, Crypto, Distributed Ledger

Solutions And AI.


HASAN TURGUT

Hasan is an experienced

businessman and investor. His

professional career spans from

technical roles to management

positions in various renowned

companies. He also did good deals

with GER100 and AUT100

companies about IT solutions and

PLM integration.

10. CONCLUSION

CRYPTORIYA CURRENCY EXCHANGE & ASSET MANAGEMENT LIMITED.

Cryptoriya came in the market to break all the excessive rates of commission

and middleman there will be a direct connection between users and cryptoriya

through our official website WWW.CRYPTORIYA.IO

Various members of the cryptoriya team have spent several years working

professionally. Cryptoriya team has a member of unique ideas to make the life

digital in Cryptocurrency. We have identified the Ethereum blockchain with its

secure and transparent transaction, smart contracts and low fees as the

technology that necessary to take that next step. Cryptoriya is an exchange

where users get a wide variety of Cryptocurrency to exchange their desired

currencies. Cryptoriya provides fiat option in worldwide it is unique features of

our exchange. The cryptoriya is structured as a decentralized autonomous

organization, incorporating elements of the decentralized exchange company.

Cryptoriya provides a better solution to improve in exchanging Cryptocurrency.

CRYPTORIYA CURRENCY EXCHANGE AND … · P A G E | 4 CRYPTORIYA CURRENCY EXCHANGE AND ASSETS...

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