NEW LEVEL OF FREEDOM FOR ECONOMIC TRANSACTIONSINVESTMENT PROPOSAL

LIMITED

DEMANDING

MONOPOLIZED

THERE IS NO WAY TO IMPLEMENT FEE IN THE NATIONAL CURRENCY

A LARGE NUMBER OF FEA TRANSACTION DOCUMENTS IS REQUIRED

MONOPOLIZATION OF THE CURRENT SOLUTIONS CONCERNING FEA INTERBANK TRANSFERS

PROBLEMATICS

SENDER BANK PAYEE BANK

CUSTOMER’SBANK

EXECUTOR’S BANK

SENDING BANK ACCOUNT

RECEIVING BANK ACCOUNT

SELLERBUYER

SWIFT MESSAGE

NOTIFICATIONPAYMENT ORDER

CASH ACCOUNTING

GOODS& RESOURCES

00012

3

3

444

4

5

6

6 78

...00

012

3

3

444

4

5

6

6 78

...

THE SYSTEM OF FINANCIAL FEA INTERACTION IS IMPERFECT

SOLUTIONTHE FASTEST, EASIEST, AND MOST RELIABLE SYSTEM WITH A NEW KVANTOR SOFTWARE

CUSTOMER’SBANK

EXECUTOR’SBANK

SENDING BANK ACCOUNT

EXECUTOR’SBANK

CUSTOMER’SBANK

SELLERBUYER

PAYMENTORDER

KVANTS SENDING

NOTIFICATION

GOODS&RESOURCES

SENDER BANK

PAYEE BANK

RECEIVING BANK ACCOUNT

SELLERBUYER

SWIFT MESSAGE

NOTIFICATIONPAYMENT ORDER

CASH ACCOUNTING

GOODS& RESOURCES

THE FASTEST, EASIEST, AND MOST RELIABLE SYSTEM WITH A NEW KVANTOR SOFTWARE

BLOCKCHAIN TECHNOLOGY, USED IN KVANTOR SOFTWARE, WILL ALLOW TO REDUCE OPERATING EXPENSES ON IT- INFRASTRUCTURE AS WELL AS OPERATING COSTS.

1 INSTEAD OF 100

Kvantor blockchain is a decentrilized software that secures information from cyberattacks thanks to distributed data storage. Being the base of KVANTOR platform the Blockchain technology provides the required security level of transactions confidentiality.

The KVANTOR platform will reduce the amount of mediators. There will be Executor’s and customer’s banks only in transaction chain. Also, the amount of required documents will be reduced to minimum. This will allow to significantly increase a transaction speed up to 24 hours and to reduce to zero transaction costs and risks of mistakes.

The KVANTOR platform provides an opportuniy to perform FEA transactions using national currency. At the same time, currency exchange costs are excluded due to traditional channels and exchange protocols are bypassed. While performing a transaction, the KVANTOR platform technology allows settlements in several different currencies simultaneously within one base currency (rouble, yuan, tenge, etc.) Thus, deal settlements are done using national currency of each of private parties. This excludes the necessity of additional exchange controls activities.

MULTICURRENCY

SPEED OF TRANSACTION

SECURITY

DEAL CYCLE

FROM 1 TO 14 DAYS 0 DAYS

FROM 1 TO 4 DAYS 1 DAY

FROM 4 TO 15 DAYS

FROM 6 TO 33 DAYS

1 DAY

2 DAYSTOTAL

COHERENCE OF EXCHANGE CONTROLS

RECIEVEING REMITTANCES

SENDING REMITTANCES

SWIFT KVANTOR

PRODUCTION

LOGISTICS

SALE

FROM LICENSESELL

ASSET

TURNOVER

ASSET TURN

OVER

BUSINESS-MODEL

BANKINGSERVICESMODULE FACTORING

BANK GUARANTEESLENDING

CLEARING

INTERBANKTRANSFERMODULE

AGRICULTURAL EXCHANGE

COMMODITYEXCHANGECOMMODITY

TRADINGMODULE

CONTRACTSCONSTRUCTOR

SMART-CONTRACTSREGISTER

PROJECT INCOME:

TURN

OVER

ASSET

KVANTBILLING

SCHEME OF KVANTOR SOFTWARE «BUSINESS SERVICES» OPERATION

HYPERLEDGER PRODUCT LINE UNDER THE AEGIS OF THE LINUX FOUNDATION

TECHNICAL SOLUTION OF IT SERVICES

API. PLATFORMOF INFORMATIONALEXCHANGE

BANK ABS

SCORINGEDS

AGRICULTURAL EXCHANGE

COMMODITY EXCHANGE

SDK FOR HYPERLEDGER FABRIC

SDK FOR HYPERLEDGER FABRIC

SDK FOR HYPERLEDGER FABRIC

ENCR

YPTE

D CH

ANN

EL

(HTT

PS) A

UTH

ORI

ZATI

ON

BLOCKCHAIN KVANTOR

KVANTOR BUSINESS SERVICES

BANKS BU

SIN

ESS

CLOSED MULTICHANNEL BASED ONPERMISSIONED BLOCKCHAIN

PUBLIC MONOCHANNEL BASED ON ZERO-KNOWLEDGE PROTOCOL

CONTRACT CONSTRUCTOR

SMART-CONTRACTS LEDGER

BANKING SERVICES MODULE

FACTORING

BANK GUARANTEESCREDIT GRANTING

CLEARING

INTERBANK TRANSFER MODULE

EXCHANGE TRADING MODULE

IT-SERVICES GROUPS

КОНКУРЕНТЫ ПЛАТФОРМЫ

RIPPLE SWIFT

YES NO

YES NO

50 000 10 000NO NO

NO

NO

NO

NO

NO NO

NO NO

NO NO

NO NO

NO

NO

NO

NO

0,00001 USD 10-20 USDTRANSACTION COMMISSION

TRANSFER TRACKING SERVICE

OPEN API

NUMBER OF TRANSACTIONS PER SECOND

REAL DECENTRALIZATION

MULTICURRENCY

CLEARING

LENDING

YES

COMPARISON

ESCROW ACCOUNTS

BANKING GUARANTEES

FACTORING

AGRO EXCHANGE (MEAT, FISH, CORN,...)

COMMODITY EXCHANGE (COAL, GAS, GOLD)

YES

YES

YES

YES

YES

50 000

YES

YES

YES

YES

YES

MISSING

TEAM

Over 15 years of telecommunications experience: Ericsson AB, OJSC Vympelkom. Owner of a telecommunications business since 2008.www.linkedin.com/in/alex-losev

ALEKSEY LOSEVCEO

CFOPh.D, FinTech expert in creating and describing the product concept. Financial advisor.www.linkedin.com/in/bakhshiyan

ARSEN BAKHSHIYAN

CTOProfessional web-platform creator, an expert in blockchain and highly loaded systems development.www.linkedin.com/in/stassorokin

STANISLAV SOROKIN

A COMPETENT INTERNATIONAL TEAM OF PROFESSIONALS WITH VAST EXPERIENCE IN IMPLEMENTATION OF GLOBAL PROJECTS IN BANKING, TRADE AND IT Product Development

Over 17 years in as programmer, marketing and product management. www.linkedin.com/in/chekanov

MIKHAIL CHEKANOV

LegalMore than 12 years of work experience in the field of government relations.https://www.linkedin.com/in/vesip

VALENTIN ESIPOV

TEAM

NEXT LEVEL CONSULTING SENIOR PARTNER, COMPLIANCE EXECUTIVE DIRECTOR

AML & Financial Crime Specialist, ACAMS qualified (Certified Anti-Money Laundering Specialist).

20 years experience in large Banking institutions, more recently 14 years at JP Morgan.

She has worked in London, New York, New Zealand and currently based in Hong Kong. As well as extensive AML back ground, Kirsten has previous experience in risk & control functions across multiple financial products.

KIRSTEN ROY-REID

https://www.linkedin.com/in/kirsten-roy-reid-09413a5/

KVANTOREXPERT ADVISORS

BLOCKCHAIN AND ICO ADVISOR

NAVIINKAPOOR

https://www.linkedin.com/in/naviinkapoor/

ADVISOR FOR SINGAPORE AND APAC REGION

GEORGE HAN

George specializes on fintech projects. He has more than 6 years of working at Singapore Management University where he tracked more than 500 startups. Also, he helped make more than 80 tech startups.

George has a Bachelor’s Degree from the National University of Singapore and an MBA from the Hull Business School.

He will be helping KVANTOR with his expertise and deep knowledge of the blockchain industry and Singaporean market.

Over 11 years of experience in project management and business analysis, working with Etherium, Bitcoin, Hyperledger, EOS, DLT for over a year.

KVANTOREXPERT ADVISORS

TEAM

https://www.linkedin.com/in/george-han-sgn888/

Exchange trading module: agro exchange (meat, fish, grain), commodity exchange (oil, coal, gold). Users: producers and buyers of goods (the implementation is planned after the launch of the modules «Kvantor.Node» and «Kvantor.Bank»).

Interbank transfers module: transfers of Fiat currency and digital instruments between banks. Users: banks.

Banking services module: money transfers of FEA (foreign economic activity), bank guarantees, factoring, crediting and escrow accounts. Users: Participation Banks’ Customers of the KVANTOR ecosystem.

KVANTOR.NODE KVANTOR.BANK KVANTOR.MARKET

THE MAIN SERVICES OF THE KVANTOR PLATFORM

MVP K.NODE

KVANTOR SYSTEM LOGIN PAGE:

IN ORDER TO ACCESS THE MVP USE THE FOLLOWING:

http://mvp.kvantor.com/

LOGIN: User1PASSWORD: Resu1EBank

LEGALSUPPORTLAW&TRUST COMPANY PROVIDES LEGAL AND CONSULTING SUPPORT

KVANTORPARTNERS

ASSOCIATIONS, LARGE INDUSTRIAL AND RAW MATERIALS BUSINESS ARE AMONG THE FIRST INVOLVED BUSINESS PARTNERS

NATIONAL ASSOCIATION OF WHOLESALER-DISTRIBUTORS (NAW)

ILNET TRANSIT AS

TDS RESOURCES

EURASIAN ECONOMIC COOPERATION ORGANIZATION (EECO)

CRYPTOCREDITCARD.IO

COMPLETED PRODUCT DEVELOPMENT OF MVP K.NODEATTRACTING NEW

INVESTMENT

OVERALL BUSINESS PLAN OF THE PROJECT

CONCLUSION OF AGREEMENTS WITH REGIONAL PARTNERS FOR THE PLATFORM PROMOTION

12/2019

01/2020

04/2020

06/2020

02/2020

LETTERS FOR COOPERATION FROM MAJOR CLIENTS

TEAM OF PROFESSIONALS AND HIGHLY-EXPERIENCED

SPECIALISTS

RELEASE OF K.NODE BETA VERSION

1

2

3

4

5

6

7

8

9

CURRENTSTATUS ANDGOALS

10

( “INTERBANK TRANSFERS MODULE”)

RELEASE OF K.NODE PILOT VERSION

SIGNING OF THE FIRST CONTRACTS FOR THE SERVICES

PROVIDING "INTERBANK TRANSFERS"

THE START OF K.BANK BETA VERSION DEVELOPMENT

( “INTERBANK TRANSFERS MODULE”)

53 410

50

-50

-100

100

150

200

IRR

DURING 5 YEARS:

PAYBACK PERIOD64,7% 36 MONTHS

KVANTOR FINANCIAL INDICATORSDURING 5 YRS.

USD

, mil

YRS.2

INCOME

EBITDA

CONSUMPTION

390,326,012 USD

237,908,524 USD

114,196,877 USD

TOKENCAPITALIZATIONAND VALUEFORECAST

KVANTOR 1-5 YEARS CAPITALIZATION IS CALCULATED AS A SUM OF ALL FORECASTED INCOME FOR EACH 5 YEARS PERIOD

Year 0STAGE Year 1 Year 2 Year 3 Year 4 Year 5

45,000,000 390,326,012 623,140,508 848,741,319 1,028,028,643 1,132,872,651

1.0 8.6 13.7 18.7 23.3 28.0

1.7 14.6 23.3 31.8 39.6 47.6

1.3 11.2 17.8 24.3 30.3 36.4

CAPITALIZATION (GBP)

Х FOR NOMINAL

Х FOR STAGE 1

Х FOR STAGE 2

390.3 623.1848.7

1,028.0 1,132.9

45.01.0

8.6

13.7

18.723.3

28.0

1.7

14.6

23.3

31.8

39.6

47.6

1.3 11.2

17.8

24.3

30.3

36.4

HARD CAP45 mil USD

TOKEN VALUE FORECAST IS CALCULATED PROPORTIONATETO CAPITALIZATION GROWTH

NOMINAL

STAGE 1

STAGE 2

STRUCTURE OF KVANTOR LICENSE DISTRIBUTION

LICENSES TO PURCHASE:

THE FOUNDERS, TEAM, INITIAL INVESTOR

NOMINAL VALUEOF 1 KVANTOR LICENSE

INITIAL AMOUNT OF KVANTOR TOKENS

1/1300 OUNCESOF GOLD

100 000 000 PCS

15%

5% SOLD OUT

80% KVANTOR PROJECT BENEFICIARIES

PROJECT PARTNERS

1

2

3

26.04.2018 - 25.05.201840% DISCOUNT

20% DISCOUNT

20% DISCOUNT

PRIVATE LICENSE SALE

25.06.2018 - 24.07.2018

27.08.2018 – 26.09.2018

CEO@KVANTOR.COM

TERMS OFINVESTMENT

*The nominal value of 1 kvantor license at the issue date is 1.04 USD

INVESTINGTO KVANTORSOFTWARE

THE MAIN PART OF REVENUE IS FORMED THROUGH THE BANKING LICENSE SALES (KVARK*).

«LICENSING REVENUE»

AMOUNT OF INVESTED

PROJECT ENTERING STAGE

100,000100,000100,000

166,667125,000100,000

354,532265,899212,719

70.9%53.2%42.5%

159,857119,892

95,914

187,865140,899112,719

0.160%0.120%0.096%

LICENSES QUANTITY

LICENSE SHARE (KVANTOR)IN TOTAL PUL

THE FORECAST REVENUE OF KVARK LICENSE SALES DURING 5 YEARS

INCOME FROM KVANTOR LICENSE SALES AT A PURCHASE PRICE

ANNUAL RETURN

TOTAL RETURNS FOR 5 YEARS

RETURN ON INVESTMENT FORECAST WITH FUNDING 100 000 USD

IN THE FIRST ROUND OF ITO

FIRST ROUND

SECOND ROUND

PURCHASED AT NOMINALVALUE

354,532 USD (~70.9% PER ANNUM)

IN THE SECOND ROUND OF ITO265,899 USD (~53.2% PER ANNUM)

PURCHASED AT NOMINAL VALUE212,719 USD (~42.5% PER ANNUM)

AT ANY TIME, KVANTOR LICENSES CAN BE REALIZED IN THE KVANTOR SYSTEM.

WORKING WITH KVANTOR SOFTWARE

* KVARK – BANKING LICENSES ACCOUNTING UNIT

THE OWNER OF KVANTOR LICENSE MAY BECOME A DISTRIBUTOR OF THE BANK LICENSES SALE, AND IN CASE OF BANK INVOLVEMENT THE INVESTOR'S INCOME MAY INCREASE BY 30-40%.

KVANTOR SOFTWAREFOR BUSINESS

DEALING WITH SWIFT ETC.

US DEPARTMENT OF STATE TAKES CONTROL OF THE SWIFT SYSTEM AND REALIZES THE PAYMENTS MONITORING PROCESS;

1

2

3

4

5

6

1

2

3

4

5

6

TRANSBOUNDARY TRANSACTIONS ARE HANDLED BY EACH PARTY IN THE NATIONAL CURRENCY;

INDEPENDENCE FROM CENTRALIZED PAYMENT SYSTEM. PROVIDING THE ALTERNATIVE CHANNEL WHICH CAN BE USED FOR THE BANKS ACTIVITIES. PROTECTION OF CONFIDENTIAL INFORMATION FROM THE UNAUTHORIZED REGULATORS;

DECREASING TIME-LOSS FOR THE TRANSACTIONS, ASSETS TRADING / OBLIGATIONS IN THE DECENTRALIZED REGIME

OBTAINING FINANCIAL TOOLS (FINANCIAL GUARANTEES, FACTORING ETC.) AND ADDITIONAL SERVICES (INSURANCE, ETC.), BASED ON NEW TECHNOLOGIES – AUTOMATED EXECUTION OF SMART CONTRACT IN ORDER TO PROVIDE TRANSACTIONS. CONVENIENT MARKETPLAYS WITH AUTOMATIC EXECUTION OF TRANSACTIONS, OTHER SERVICE ACTIVITIES (LOGISTICS, INSURANCE), ELECTRONIC ARBITRATION;

AVAILABILITY OF THE TRACKING SERVICE AT ALL STAGES OF TRANSACTION. THE COUNTERPARTY VERIFICATION - PLATFORM ARCHITECTURE ALLOWS TO BE ENSURE IN THE STATUS AND REPUTATION OF THE COUNTERPARTY, WITHOUT BREAKING THE TERMS OF THE INFORMATION POLICY;

SINCE THE TRANSACTIONS ARE IN THE NATIONAL CURRENCY, THE CHECKING BY THE "FOREIGN EXCHANGE CONTROL» IS EXCLUDED KVANTOR SYSTEM SIMPLIFIES AND AUTOMATES THE WORKFLOW.

RATE

TOTAL 127,200 USD

97,200 USD(5 EMPLOYEES)

30,000 USD 6,000 USD

19,440 USD(1 EMPLOYEE)

THE BIG WORKFLOWS FOR THE SUPERVISORY AUTHORITIES;

CROSS-BORDER TRANSACTIONS ARE BEING IMPLEMENTED BETWEEN COUNTERPARTIES IN ONE OF THE NATIONAL CURRENCY OR ANOTHER;

NO TRANSACTIONS STATUS SERVICE;

LACK OF THE FINANCIAL TOOLS, SUCH AS: FINANCIAL GUARANTEES, INSURANCE, LENDING, FACTORING ETC.;

EXECUTION OF PAYMENT TRANSACTIONS CAN BE FROM 1 TO 5 DAYS. SUCH A DURATION OF PAYMENT TRANSFER IS CAUSED BY THE AVAILABILITY AND NUMBER OF THE INTERMEDIARY BANKS (SO-CALLED CORESSPONDENT BANKS), THROUGH WHICH THE PAYMENT IS MADE.THE PAYMENT ADJUSTMENT INCREASES DURATION UP TO 30 DAYS;

25,440 USD

NUMBER OF EMPLOYEES, INC. ЕСН (35%) (1 EMPLOYEE - 1,200 USD)

OTHER EXPENSES FOR THE EMPLOYEE STUFF(1 EMPLOYEE - 500 USD)

CURRENT XPENDITURE (SWIFT), PER YEAR

PLANNED EXPENDITURE (KVANTOR), PER YEAR

WORKING WITH KVANTOR SOFTWARE

DATA SECURITY

DETAILS

KVANTOR SOFTWARE OPPORTUNITIESFOR BANKS

SERVICE COMPANIES ARE ALLOWED TO COLLECT THE DATA PERMITTED ONLY BY THE TRANSACTION PARTICIPANTS

NATIONAL REGULATORS – ONLY IN ACCORDANCE WITH NATIONAL LEGISLATION

UNAUTHORIZED REGULATORS (e.g. – OF OTHER COUNTRIES) WON’T BE ABLE TO GET THE DATA ACCESS.

SETTLMENT TIMELINES:

FULL DATA ACCESS IS AVAILABLE ONLY FOR ITS PARTIES.

TIME FRAME FORDOCUMENTATION:

INSTANT AUTOGENERATION

NEW SERVICEFOR BANKS-PARTNERS:

REMITTANCES ACCEPTANCE FOR TRADE USING KVANTOR SOFTWARE

1 PERSON

2 DAYS

MULTI-LEVEL DATA ACCESS:

PARTICIPATION:

INDEPENDENCE FROM CENTRALIZED PAYMENT SYSTEMS

INVOLVEMENT OF NEW CUSTOMERS THROUGH PROVIDING THE INNOVATIVE BANKING SERVICES, DEMANDED IN LARGE, MEDIUM AND SMALL BUSINESSES

PROTECTION OF CONFIDENTIAL INFORMATION FROM THE UNAUTHORIZED REGULATORS

US DEPARTMENT OF STATE TAKES CONTROL OF THE SWIFT SYSTEM AND CONTINUE THE PAYMENTS MONITORING PROCESS;

KVANTOR SOFTWARE FOR BANKS

1

2

3

4

5

6

1

2

3

4

5

6

254,400 USD

194,400 USD(10 EMPLOYEES)

60,000 USD 6,000 USD

19,440 USD(1 EMPLOYEE)

25,440 USD

HIGH COMMISSION.

BANK SERVICES OF THE SAME TYPE;

IT IS NECESSARY TO MAINTAIN A LARGE STAFF OF OPERATORS, LAWYERS, CONTRACT EXPERTS AND OTHER EMPLOYEES;

GREAT COSTS FOR THE BANK TO JOIN THE SWIFTAND TO CONDUCT SELF-SUSTAINED OPERATIONS. IT CREATESPROBLEMS FOR SMALL AND MEDIUM BANKS. THE SETTLEMENTS WILL BE PROCEEDED BY THE INTERMEDIARIES;

LOW SPEED OF THE SETTLEMENT EXECUTION DUE TO CURRENT FUNCTIONING OF THE CORRESPONDING BANK SYSTEM, BEING IN THE PAYMENT CHAIN. TRANSACTIONS ARE PROCESSED SLOWLY, FROM 3 DAYS AND MORE. THE SYSTEM IS CENTRALIZED AND VULNERABLE TO SANTIONS;

INDEPENDENCE FROM CENTRALIZED PAYMENT SYSTEM. PROVIDING THE ALTERNATIVE CHANNEL WHICH CAN BE USED FOR THE BANKS ACTIVITIES. PROTECTION OF CONFIDENTIAL INFORMATION FROM THE UNAUTHORIZED REGULATORS;

NO COMMISION FOR THE INTERBANK TRANSFER SERVICE.

THE KVANTOR SYSTEM HELPS BANKS TO INCREASE THE CLIENT BASE THROUGH THE PROVISION OF THE INNOVATIVE PRODUCTS AND SERVICES (CRYPTOGRAPHIC SCORING, DIGITAL BANK GUARANTEES ETC.);

REDUCING OPERATIONAL STUFF, LAWYERS, CONTRACT SPECIALISTS AND OTHER EMPLOYEES TO A SINGLE EMPLOYEE;

REDUCING THE COSTS OF THE EXTERNAL APPLICATIONS DEVELOPING THROUGH THE USE OF THE KVANTOR SYSTEM. BANK CONNECTION TO THE SYSTEM DOES NOT INCUR SUNSTANTIAL COSTS. THE OPPORTUNITY OF THE FAST INTEGRATION WITH OTHER NETWORKS IN ORDER TO PROVIDE THE SECURITY CONTROL FOR THE TRANSBOUNDARY OPERATIONS;

DECREASING TIME-LOSS FOR THE TRANSACTION. DECENTRALYZED SYSTEM WHICH IS NOT VULNERABLE TO SANCTIONS, WHILE PROVIDING THE SAFETY AND SHARING OF DATA ACCESS; THE KVANTOR PLATFORM ALLOWS REDUCING THE TIMEFRAME FOR SETTLEMENT TO MINUTES;

WORKING WITH KVANTOR SOFTWARE

RATE

TOTAL

NUMBER OF EMPLOYEES, INC. ЕСН (35%) (1 EMPLOYEE - 1,200 USD)

OTHER EXPENSES FOR THE EMPLOYEE STUFF(1 EMPLOYEE - 500 USD)

CURRENT XPENDITURE (SWIFT), PER YEAR

PLANNED EXPENDITURE (KVANTOR), PER YEAR

DEALING WITH SWIFT ETC.

EXCHANGE

KVT TOKEN LIQUIDITY WILL BE PROVIDED BY CRYPTO-CURRENCY EXCHANGE

CONTACTS

KVANTOR TECH LTD. CEO@KVANTOR.COM

Achaion street, 355th floor, Flat/Office 17 Agios Andreas,1101, Nicosia, Cyprus

+7 800 777-2784