WalletRuncollective consumption of financial services

empowered by blockchain

Executive summary 3

Introduction 3

Market overview 4Mobile Wallet industry 4Blockchain and cryptocurrency 4

WalletRun 5General description 5Key features 6User Segmentation 7Decentralized marketplace for loyalty programs: how it works 8Use cases 9

Active user of crypto-currency services 9Instrument for project finance 9Loyalty program for the coffee shop chain 9

Comparison with existing solutions 9Further development 11

Multicurrency wallet 11Marketplace of loyalty points 11Universal financial gateway 11

Business model 11

Marketing strategy 13

Tokensale 14

Roadmap 15

Team 16

Advisors 16

Terms and conditions 16

Executive summary

WalletRun is a multifunctional tool for dealing with funds in fiat money and cryptocurrency.

Unlike traditional fiat / cryptocurrency wallets, it has additional functionality for solving group tasks such as project financing and distribution of funds between group members, and it also allows existing businesses to launch their own loyalty programs and issue bonus points.

Users can trade and exchange these bonus points between each other, thereby allowing them to be evenly distributed among those who really need them. In turn, such users, with additional bonus points, often use their favorite services, whether it's a cafe, cinema or transportation, and business owners receive additional income.

The ultimate goal of WalletRun is to contribute to the digital economy of the future, in which an equal distribution takes place, a person is not constrained by the limits of fiat funds controlled by someone, and can also freely organize with other people in communities, collectively owning and managing financial and other non-financial values.

IntroductionFor a long time, the transfer of values through the Internet was an operationally complex business. It’s because all the files that we transmit via the Internet are copied, i.e. bifurcated between the computer of the sender and the recipient; this way of working with the values was unacceptable - obviously, because of the inflation of values due to this approach. With the advent of blockchain technology and the first application solution - Bitcoin - the issue of double spending ceased to be relevant. The next stage, or blockchain 2.0 in the terminology of Melanie Swan, became smart contracts (conceptualized for the first time in 1994 by Nik Szabo). The next step - or blockchain 3.0 - is for decentralized platforms that will completely change our perception of everyday interaction and help to significantly improve people's lives.

We believe that the ownership of the funds and the operations with them should be as simple as sending messages through instant messengers now. Just like when, before the advent of personal computers, the word "information" had an abstract meaning, so now the word "value" does not have a clear expression. We at WalletRun want to make value and its management the same familiar action as transferring files over the Internet.

Market overview

Mobile Wallet industry

According to the report, the global mobile wallet market was valued at approximately USD 594.00 billion in 2016 and is expected to reach approximately USD 3,142.17 billion by 2022, growing at a CAGR of around 32% between 2017 and 20221.

Mobile wallets or digital wallets hold the potential to revolutionaze the payment industry, and usher in the era of cashless societies. Digital wallets are emerging as a disruptive model threatens to erode the marker for traditional plastic cards and change the dynamics of the electronic payment industry. Mobile phones are poised to take over the roles of physical wallets, including ID storage and payments.

Mobile wallets are increasingly adopted by retailers across the globe as a means to ramp up revenues, reduce operating costs, avert fraud-related losses, and improve consumer satisfaction. While mobile payments have been predominantly based on SMS, USSD and WAP payments technologies over the years, the market now is using Near Field Communication and advanced non-NFC technologies.

Blockchain and cryptocurrencyThe cryptocurrency, crypto tokens and other digital assets based on blockchain technology are currently experiencing an explosive growth period. Blockchain technology allows the first true internationalisation of a store of value, and recently the adoption rate has meant explosive growth in both adoption and speculative value.

2017 started with Bitcoin as the number one cryptocurrency with a market capitalization of 12 billion US dollars. Ethereum, a very young upstart of a currency was valued at just 700 million USD. The explosive start to 2017 has seen Bitcoin surge to a market capitalization of over 40 billion USD and Ethereum has caught up at an incredible pace and now has a market capitalization of over 28 billion USD.

The market is excited by the opportunities that blockchain technology and decentralization of currency present. There are over 800 alternative cryptocurrencies trading today, with a new use case for blockchain emerging every week. Investors need to think carefully before choosing a project to ensure the team, the technology and the idea are sound.

1 https://globenewswire.com/news-release/2017/07/17/1047411/0/en/Global-Mobile-Wallet-Market-Size-Share-Expected-to-Reach-3-142-17-Bn-by-2022-Zion-Market-Research.html

The current number of unique active users of cryptocurrency wallets is estimated to be between 2.9 million and 5.8 million. The lines between the different cryptocurrency industry sectors are increasingly blurred: 31% of cryptocurrency companies surveyed are operating across two cryptocurrency industry sectors or more, giving rise to an increasing number of universal cryptocurrency companies. Between 5.8 million and 11.5 million wallets are estimated to be currently ‘active’2.

WalletRun

General description“If I can send you a text message knowing your phone number no matter where

you are in the world, then I should be able to send you money [in a similar manner]”.

Ather Williams, Managing Director at Bank of America Merrill Lynch

WalletRun represents a next generation of services for collective consumption of financial services, connecting the capabilities of traditional electronic and crypto-exchange payment systems. Taking the best of the two systems, we allow users to feel more mobility and pay in the currency in which they are comfortable with. In addition, we offer an effective business solution for creating loyalty programs and integrating between different programs. The ultimate goal is to create a fundamentally new form of interaction between individuals, groups and businesses - a single distribution network of funds that are independent of a particular jurisdiction or belonging to a particular brand or company:

Scheme: visual representation of how it works

2 https://www.jbs.cam.ac.uk/fileadmin/user_upload/research/centres/alternative-finance/downloads/2017-global-cryptocurrency-benchmarking-study.pdf

Key featuresMobile applicationSince the whole modern world uses a mobile phone everywhere, we propose to use the two most famous platforms for WalletRun - iOS and Android. Also, our platform allows you to make transactions from the web version of WalletRun.

Physical debit card

Each user receives a free virtual WalletRun card. Also, the user can choose to order a WalletRun physical card. At the moment we plan to issue debit cards, but also we consider credit cards in time to come. As a security measure, we allow a user to lock and unlock the card through the WalletRun mobile app.

Multiasset

We offer WalletRun users complete freedom of payment both in fiat money and in cryptocurrencies. The 20 most popular cryptocurrencies will be available for making payments in offline stores and in the Internet. Also, if suddenly in a given place / Internet service does not accept the currency that the user has, WalletRun will make an instant conversion, offering a choice of several exchanges. Thus, you get what you want, when you want, and for the currency that you have.

Controlling expenses for yourself and for others

WalletRun allows you to create multiple purses, tied to one source. Thus, you can distribute funds to the purses of your relatives, friends and colleagues, and distribute funds between them. Also, you can set limits on the use of funds for specific needs. Detailed statistics allow you to determine what the funds are spent by you and your colleagues in the group, and based on this plan a joint budget and make the right financial decisions.

Payment in points of loyalty programs

WalletRun wallet aggregates loyalty programs of various companies, and allows to make calculations directly in them. Thus, you do not need to open exact <BankName Online> every time and see how many bonus points you have left there - when paying for in a particular service, WalletRun determines which points you can use and invites you to pay in them, or in any accepted here currency. The cryptocurrencies do NOT need to be converted to fiat money until an actual transaction happens, in which case such conversion will be conducted in real-time.

Rewarded usage

Users earn a 0.1% reward for every purchase. This reward is transferred to the user in form of WRT tokens on a monthly basis, thus the users will benefit from the growing value upside of the tokens. We later plan to distribute reward more frequently with a target of an hourly basis.

Instant inter-settlement between different loyalty programs

Accumulating bonus points in various systems, users can not spend so much - they do not drink as much coffee, do not fly so much on airplanes, etc. Thus, on average, for each user, there are n-number accumulate of bonus points that he or she does not need. WalletRun offers a solution: first, you can use the bonus points of any company when paying for it, and we will make an instant conversion (for example, 1 point A for 3 points B); Second, WalletRun has the functionality of the marketplace, in which users themselves can trade between each other points of different loyalty programs.

P2P lending and insurance functionality

As we are building a new economy it would be wise to include already existing services as credit and insurance to provide a full financial package to our customers.

Investment portfolio of fiat money and crypto currency

A built-in platform for investing in fiat money and cryptocurrency allows users to be responsible for their own future welfare and do not rely only on traditional earnings. In WalletRun, users and groups can receive offers on investment opportunities from certified companies, and based on forecasts and tips to make the right decisions.

Creating your own loyalty programs for businesses

WalletRun allows business owners to create their own loyalty programs. Also, we help organize free conversion between bonus points of various companies, as well as organize listings on various exchanges.

User Segmentation

After a detailed analysis it was suggested to divide our key audience into three subgroups. We identified the categories of individual, group and enterprise use of WalletRun:

1) Individual● virtual card and physical card issue;● making payments;● multicurrency purse of fiat money and crypto currency;● the opportunity to pay with points of loyalty programs in your favorite

institutions - the recalculation takes place instantly in the accepted currency.

2) Group● the formation of additional accounts (work, family, team);● Establish limits and track expenses for group members;● Effective tool for project finance activities (allocation of funds for tasks,

payment to contractors, etc.);● revenue and expenditure statistics, budgeting.

3) Enterprise● creation of loyalty programs;● token generation for multiple programs;● ensuring mutual settlement with other loyalty programs;

Decentralized marketplace for loyalty programs: how it works

The key innovation that WalletRun offers is the concept of decentralized loyalty. By this term we mean a blockchain architecture that allows users to freely exchange points of various loyalty programs between each other, thus achieving an ideal distribution of bonus points between the interested parties.

For example, in a way, people who are active customers of a coffee house chain can purchase bonus points from their favorite coffee shop from other users, or exchange them for those they need to a lesser extent (points of the coffee shop for the points of the car dealer).

Visualization of the steps presented below (route 1-2-3-4-5)

The process is presented above. Let’s consider it step by step:

1. User 1 has accumulated tokenized points from various loyalty programs. Although she can enjoy them spending on the favorite services, at the moment there’s no need to use all of them. In that case, with WalletRun, she has an option to put some of the points into a marketplace.

2. In the marketplace, she observes the loyalty points that other people put into the marketplace. Once she find the best match for her, she arranges communication (through external tools like messengers etc.) with the person who own these points.

3. Once agreed on the exact exchange (1 tokens A : 5 tokens B), though friendly interface they set up a smart contract with the details of exchange

4. As they both fulfil the requirements of the smart contract (drag and drop icons of the required tokenized loyalty points into and exchange pool and confirm sending), the exchange occurs. Thus, there’s no way any deception or fraud can happen.

5. Both sides are happy to enjoy discounts (by using received points) on the services they have wanted.

Use cases

Active user of crypto-currency servicesWalletRun is suitable for those who want to use the comfort and availability of traditional financial services in a cryptocurrency environment. With the support of cryptocurrency, users can pay for their favorite cafes and restaurants, even if they do not support payment in the cryptocurrency - the calculation will occur automatically in the accepted currency, with the most profitable conversion for the user.

Instrument for project financeThe increase in the number of tools for effective management of the team suggests that this sphere is far from perfect. Often, everything depends on effective communication - timing, control over contractors, etc. WalletRun allows you to effectively manage funds, distributing them between team members and subcontractors, and setting limits on the use of funds for specific tasks. Thanks to the open API, it can easily be integrated into the messenger or applications for managing the team, which means it will be able to successfully control the circulation of information and financial flows.

Loyalty program for the coffee shop chainImagine that you are a marketer of a well-known network of coffee houses, which is present in more than 10 countries. Most of all, you appreciate the maintenance of the level of service for your customers, as well as the convenience of using various discount programs regardless of location (city, country, continent). With WalletRun, you can quickly launch your loyalty

program and include bonus tokens in the listings, which will allow your customers to easily purchase, trade and spend on fragrant cappuccinos in your coffee shops around the world, increasing brand recognition and your profits.

Comparison with existing solutionsFees:

Wirex/Xapo TenX WalletRun

Physical card issuing fee

$20+ $15 $12

Virtual card issuing $3 $1.5 $0

Physical card annual fee

$12 FREE ($10 if spend less than

$1000/year)

FREE ($5 if spend less than

$1000/year)

Virtual card annual fee

N/A FREE ($10 if spend less than

$1000/year)

FREE ($5 if spend less than

$1000/year)

Domestic exchange fee

0 0% 0%

Foreign exchange fee 3% 0% 0%

Transaction fee Free domestic

only

Free $0.01 to $0.1

Product features:

Wirex/Xapo TenX WalletRun

Blockchain support

Bitcoin Bitcoin, Ethereum, Dash

and 5+

Bitcoin, Ethereum and 20+ most

popular altcoins

Issuer(s) Visa Visa and MasterCard

Visa, MasterCard and UnionPay

User’s fund security control

No control Full control Full control

Open platform No Yes Yes

Card holder incentives

None 0.1% on every purchase

0.1% on every purchase

Collective use of funds

None None Yes

Marketplace for loyalty programs

None None Yes

Instant exchange between multiple loyalty programs

None None Yes

Further developmentWe see the further development of WalletRun as a universal product that allows you to create your loyalty programs for any business, and users are free and easy to trade bonus points, pay for their purchases and services. Thanks to the universal approach and the absence of any hidden commission, we expect to become a universal aggregator of payment facilities throughout the world.

Multicurrency wallet● Pay for services in both fiat and cryptocurrencies● Rewarded usage of financial services● Arrange groups to enjoy collective spending● Control over funds in use● Investment opportunities in fiat and crypto assets

for that purpose we need $15,000,000

Marketplace of loyalty points ● Platform for loyalty programs for businesses● Decentralized exchange of tokens of different loyalty programs● Instant inter-settlement between different loyalty points

for that purpose we need $30,000,000

Universal financial gateway● All-in-one financial services provider● Fundraising and tokenization platform ● P2P lending and insurance

for that purpose we need $50,000,000

Business modelWalletRun has a fairly simple, yet thorough and transparent model of monetization.

First, the maintenance of the card for individual users will be free. The main sources of monetization will be accounted for by commissions with transactions, the use of group functions and the release of their own bonus points (enterprise use). In our business model, we maintain a reasonable balance between the strategy of increasing profits for WalletRun on the one hand, and the availability, convenience and quality of services for users on the other hand.

Generally, our business model can be represented by the following table:

Commission for transactions

The use of group functions

Creating your own loyalty programs

0.01% for every transaction made < equivalent of 0.5 BTC

0.025% for every transaction > equivalent of 0.5BTC to 2BTC

0.05% fee for every transaction > equivalent of 2BTC to 10BTC

0.075% fee for every transaction > equivalent to 10BTC to 20BTC

0.1% fee for every transaction > equivalent to 20BTC

commission for conversion between points of different loyalty programs

Additional charge for team with >15 participants

Additional charge for team with <50 participants

Additional charge for team with <250 participants

Additional charge for team with <500 participants

Additional charge for team with <1000

Additional charge for team with <2500

0.5% of token emission in BTC or ETH

We expect that the overall revenue structure will be as follows:

Marketing strategyThe basis of our marketing strategy boils down to several points:

1. PartnershipsSince our product brings obvious benefits to existing players in the mobile wallet market, we are focused on finding the right integration models with their businesses to achieve the winwin situation. We plan pilot integration with payment systems, banks, remittance systems and aggregators to achieve synergies and receive feedback to improve the positioning of WalletRun and debug the mechanics of the system. For example, [Здесь стоит описать реальные партнерства, которые мы планируем].

2. Ecosystem developmentWe consider multiple roadshows, as well as panel discussions and press releases to boost market awareness and acceptance. Among social channels we will work hardly with: Reddit, LinkedIn, influencer marketing, Facebook, Twitter and some other social networks.

3. Stimulating early users from the business world

Our early followers (WalletRun for business) will be rewarded with a portion of WTR tokens for trial tests as part of their loyalty programs. This will motivate them in the early entry into the project and will help further development of our product platform. This program will be launched immediately after the appearance of the first working prototype and will help the growth and market acceptance of WalletRun.

4. Development of digital agenda and promotion on the Internet

Within the framework of this item, we plan to attract high-class professionals from the field of digital advertising to build a strategy of online presence. It is planned to develop content in specialized publications devoted to the subject of cryptocurrencies, finance, modern digital trends, popular digests of technological novelties, etc. Also, it is planned to attract paid traffic in social networks, use contextual advertising and community development.

5. Listing of WTR tokens

We plan to organize the listing of WTR tokens on the most popular crypto-exchange exchanges [list]. We also plan to integrate with token-changers (Bancor?) To simplify the procedure for converting WTR to other tokens. Also, this integration will be in demand when developing a solution for converting any tokens within the WalletRun ecosystem.

TokensaleWalletRun tokens (WTR) will become the basic tokens for collective consumption of financial services. All payments, exchanges require WTR token. The total supply of WTR tokens will be limited to the amount of tokens created during the initial WTR token generation described below.

WTR utility token is ERC20-compliant utility token. It means that they can be easily changed to another cryptocurrency. There are multiple functions attributed to WTR tokens:

● Payments inside WalletRun ecosystem;● Exchange to over tokens;● Paying bonus in loyalty programs;

The sale of WYT tokens is designed to realize the following goals:● Fund WalletRun to support development of the WalletRun ecosystem and

its adoption as a viable digital ad marketplace;● Attract individual experts and business from blockchain and financial

industries to participate in the development of WalletRun;● Build a community of token-holders motivated to realize the success of

WalletRun;

● Incentivize the developer community to build new honest and transparent financial solutions to improve ecosystem efficiency and accelerate its growth;

● Create network effect value to WalletRun to achieve competitive advantage and to maintain its position as a market leader;

● Provide fair investment opportunity with significant ROI for support

After a careful research, we decided to limit the supply of WTR utility tokens to 1000,000,000 (one billion) units.

The crowd sale structure is as following: ● 75% to be crowd sold● 5% goes to advisers● 5% goes to bounty ● 15% goes to the team

Why do we need WalletRun token

WTR offers possibility to run any transaction on the platform; WTR can be purchased for BTC, ETH.

Symbol WTRTotal Supply 100,000,000 tokensAdjustable All unsold tokens will be burnedPrice per token Price per token, locked. 1 token = 0,00003 BTC

Roadmap

Q3 2017 Idea creation

October 2017 Team assembled

November 2017 Pre sale (whitelist)

December 2017 Tokensale

Q1 2018 Prototype

Mobile apps development

Q2 2018 Alpha-release

Pilot integrations

Q3 2018 Public release

Team

Advisors

Terms and conditions

This document is for information purposes only, and is not an offer or a call to sell stocks or securities on the WalletRun platform, or that of any other related or associated company.

WTR tokens are not securities

User acknowledges, understands, and agrees that WTRs are not securities and are not registered with any government entity as a security, and shall not be considered as such. User acknowledges, understands, and agrees that ownership of WTRs does not grant the user the right to receive profits, income, or other payments or returns arising from the acquisition, holding, management or disposal of, the exercise of, the redemption of, or the expiry of any right, interest, title or benefit in the WalletRun or WalletRun Platform or any other WalletRun property, whole or in part.

Absence of guarantees of income or profit

There is no guarantee that WTR tokens will grow in value. There are no guarantees that the price of WTRs will not decrease, including significantly, due to some unforeseen events, or events over which the developers have no control, or because of force majeure circumstances.

Risks associated with Ethereum

WTR tokens will be issued on the Ethereum blockchain. Therefore, any failure or malfunctioning of the Ethereum protocol may lead to the trading network of WTR tokens not working as expected.

Regulatory uncertainty

Blockchain technologies are subject to supervision and control by various regulatory bodies around the world. WTR tokens may fall under one or more requests or actions on their part, including but not limited to restrictions imposed on the use or possession of digital tokens such as WTRs, which may slow or limit the functionality or repurchase of WTR tokens in the future.

WTR tokens are not an investment

WTR tokens are not official or legally binding investments of any kind. In case of unforeseen circumstances, the objectives stated in this document may be changed. Despite the fact that we intend to reach all goals described in this document, all persons and parties involved in the purchase of WTR tokens do so at their own risk.

Quantum computers

Technical innovations, like the development of quantum computers, may pose a danger to cryptocurrencies, including WTR tokens.

Risk of losing funds

Funds collected in fundraising are in no way insured. If they are lost or lose their value, there is no private or public insurance representative that buyers can reach out to.

Returning funds

If a campaign does not end successfully, or is canceled by its creator, or by moderators, the funds are returned to the wallets of those users who transferred funds to the wallet of the campaign. If the user make their payment in a fiat currency (USD, EUR, RUR, or any other), the funds are returned to their ETH wallet inside the WalletRun system. The user can withdraw this ETH or use them to participate in any other campaign launched on the WalletRun platform.

Risks of using new technologies

WTR tokens are a new and relatively untested technology. In addition to the risks mentioned in this document, there are certain additional risks that the team of the WalletRun platform cannot foresee. These risks may manifest themselves in other forms of risk than those specified herein.

Crowdinvesting

The WalletRun platform disclaims any and all responsibility or liability in relation to any obligations made by creators of crowdinvesting campaigns to

investors who bought their tokens on the WalletRun platform. The WalletRun platform is just an intermediary between creators of such campaigns and their investors. The function of the WalletRun platform is only to transfer funds from investors to creators, and tokens of crowdinvesting campaign creators to investors. WalletRun does not guarantee the claims made by campaign creators.

Integration

This Agreement constitutes the entire agreement between the parties with respect to the subject matter of this Contract. All previous agreements, discussions, presentations, warranties, and conditions are combined in this document. There are no warranties, representations, conditions, or agreements, express or implied, between the parties, except those explicitly stated in this Agreement. This Agreement may be changed or amended only by a written document duly executed by the parties.