NEBEUS CRYPTO-FINANCE

NEBEUS CRYPTO-FINANCE ECO SYSTEM BASED ON BLOCKCHAIN One day banks, as we know them, will turn into utility companies. We want this day to come sooner. Work on the Nebeus Platform started back in 2014 and it has since evolved into successful P2P lending, and trading platform with a multi-cryptocurrency wallet having transaction
volume in excess of 12M GBP



However, we are not satisfied with what has already been achieved. We aim to:

INTRODUCTION

continue to develop a full scale crypto-financial eco system allowing participants to create an consume financial products and services in the secure and convenient environment open up our platform to developers allowing them to offer the full gamut of financial operations backed by blockchain and smart contracts create user-friendly front end for the customers and service providers
broaden the touch points between crypto & fiat currency worlds simplify product development by providing library of smart contracts and convenient SDK for product creators Devoted to blockchain, the Nebeus team strives to develop a convenient client-oriented service with low-cost, highly efficient business processes, that can continue to meet the demands and challenges of the ever-evolving crypto-currency market.

The ICO mechanism was chosen to achieve this goal. What are we offering in return for ICO participants?

Each month Nebeus will distribute 20% share of the commission generated by the platform to the token holders. Additionally NBTK tokens will be used in a variety of ways within the platform, as well as traded on third party exchanges.

You will be able to pay platform fees, use tokens as collateral to take out a loan on the platform as
well as get leverage in order to buy and sell cryptocurrency.
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Tokes spent on the platform fees will be burned, thus increasing the value of the remaining tokens.
Nebeus token will be utility token.

What are we offering in return for ICO participants?

Each month Nebeus will distribute 20% share of the commission generated by the platform to the token holders. Additionally NBTK tokens will be used in a variety of ways within the platform, as well as traded on third party exchanges. You will be able to pay platform fees, use tokens as collateral to take out a loan on the platform as well as get leverage in order to buy and sell cryptocurrency.
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Tokes spent on the platform fees will be burned, thus increasing the value of the remaining tokens. Nebeus token will be utility token.

In prospect, any holder of tokens will be able to:

Additional staffing, in particular, for IT developers, marketing, legal experts, product managers, as
well as many other highly qualified specialists, is extremely important for making a company a success story  and will obviously demand additional funding.

We foresee the growth of the company through both M&A deals and organic growth. Acquisitions will provide significant reduction in the time of acquiring licenses. It's this combination that will be
the catalyst for the company's growth and the basis for the increase of the user base.

sell them at a higher priceuse them as collateral to take out a loan on the Nebeus platform pay for Nebeus' servicesget a leverage for crypto currency tradingall token holders will be entitled to 20% share of the platform fees on a monthly basis.

We have shown what we can achieve on a limited budget and now we are poised to take the company and its product to the next level.

Currently, users from more than 150 countries have used Nebeus' services. The graph below shows the distribution of users by the country as of August 2017.

COMPANY HISTORY

The company was established in the UK at the beginning of 2015 (registration number 09492138), although the idea of developing the platform appeared much earlier. In 2013, a group of enthusiasts met in Barcelona to form the Nebeus project. The choice of city was not accidental, as in recent years Barcelona had become one of the world's main development  centres of innovative IT solutions. Yet, at the time, the cryptocurrency market was still evolving and was far from a mainstream topic. One of the leading design schools opened up the opportunity to gain the very best education in the field, and provided a powerful catalyst for the coming together of a large team of experts in the field of interface development.

Today, numerous conferences and the world's largest trade show of mobile devices bring together
experts from around the world. This gives IT companies access to the most technological and
efficient solutions for their projects.

Currently with the Nebeus platform you can:

  • - Buy and sell crypto currency in exchange to over 13 fiat currencies
  • - Lend and borrow funds in Bitcoin
  • - Remit crypto currency around the world
  • - Integrate our services into 3rd party applications through our API


This Autumn we will introduce purchase of cryptocurrency with debit and credit cards, global card
to card transfers and dedicated IBAN accounts for consumers with EU residency.

NEBEUS WALLET CURRENT Capabilties

Taking into account the past experience of the leading services in the industry of digital payments and the needs of users, our experts developed a unique cryptocurrency wallet with intuitive interface and
wide range of functions. Besides the possibility of making various payments and undertaking the whole range of cryptocurrency operations, we introduced innovative technologies that allows optimising user experience.

Thus, a holder of Nebeus Wallet may also send an express request for funds by email, use QR-code scanner for fast input of payment details and use the partner chat, from which the funds can be transferred with one click.

NEBEUS loans / P2P LOANS

The huge growth in the number of P2P loans services highlights the continuously growing demand for this type of service by consumers – confirming the success of the business model
chosen by the Nebeus team.

As the graph below shows, the number of loan applications has increased by 57% over the last 5 months. Consumers from over 80 countries approached Nebeus for a loan in 2017. According to the undertaken analysis, 35% of the users from the European Union who applied for the loan, had positive credit history in their countries but not all got a Nebeus loan.

We strive to solve this problem, as we believe reliable and responsible clients should have the possibility to finance their needs. The increasing number of applications and our understanding of the reliable borrower image encouraged us to think about providing loans to these clients – at our
own risk and utilising our own capital and expense.

We consider the European Union, North America and Africa to be our priority markets. Credit scoring of borrowers (the analysis of provided information and the evaluation ofncreditworthiness) is a proprietary development of the Nebeus team:


NUMBER OF LOAN REQUESTS, 2017

Credit scoring of borrowers (the analysis of provided information and the evaluation of
creditworthiness) is a proprietary development of the Nebeus team:

We are continually improving the scoring model and adapting it to the changes of current
legislation.

A percentage of funds invested into "Development and API" is to be dedicated to the development of a multi-level algorithm for evaluation of creditworthiness.

By analysing today's trends, we have noticed that cryptocurrency loans have distinct advantages, compared with traditional currencies. Borrowers highlight the following advantages of this model:

  • Immediate transfer of funds from a lender to a borrower
  • high security standards absence of various limits
  • Transparent principles of credit rate development


It is well known that some countries limit the maximum annual credit rate, which actually destroyed the payday loan market. As a result, in a number of countries Bitcoin loans remain the
only mechanism for instant borrowing.

Lenders investing through Nebeus have stable profitability exceeding 120% p.a. We want to participate in this income stream by developing the provision of loans to reliable borrowers at our
own expense.

The team of Nebeus experts have developed several products for Bitcoin loans disbursement. In the nearest future, our clients will get a convenient cryptocurrency financing tool and opportunity to convert funds into one of the most widespread currencies.

TRADING PLATFORM

Trading platform on the basis of modern IT-technologies is the ideal solution both for new and more experienced users. We offer a simple and intuitive interface with all necessary conditions and tools for successful trading. It' a reliable platform for efficient and effective interaction:

  • Tables and panels are clearly defined – allowing trading in simple steps 
  • Easy view of open orders and closed transactions
  • Interactive graphs – showing market price, sales volume of cryptocurrency as well as historical
  • data



Development of the project implies the growth of the number of currency pairs and trading of company tokens, thus expanding the range of opportunities. Nebeus users can already buy and sell Bitcoin and Ethereum on the platform. Trading of tokens issued by various companies is one of Nebeus' central functions. Rapid growth of digital technologies and emergence of this type of interaction lead to the development of large markets for tokens sale and purchase. The tool for trading these tokens will allow clients to: diversify their investment portfolios with cryptocurrencies lower risk increase investment profitability P2P trading is another advantage of the platform We are planning to launch all developed functions of the platform in October 2017. Users can manually open bids – by negotiating with each other There is a wide range of payment settlement options – including offline and cash payments; significantly expanding trading opportunities.

Debit and credit card

The Nebeus payments card combines the advantages ofa single card for both fiat and cryptocurrency.
Currently, customers can easily choose the payment unit of the card: traditional currency or Bitcoin. The main advantage for card holders? Instant crediting of acquired loans and consequently instant funds availability.

We have developed several programs for the owners of Nebeus cards, taking into account the
growing needs of cryptocurrency market participants. The main functionality of the cards has
already been developed and is in testing by our experts. The launch of Nebeus card is scheduled for
Autumn 2017.

Customised solutions

We have developed several programs for the owners of Nebeus cards, taking into account the growing needs of cryptocurrency market participants. The main functionality of the cards has already been developed and is in testing by our experts. The launch of Nebeus card is scheduled for
Autumn 2017.

We strive to build strong partner relationships, so we can continually meet the specific requirements of Nebeus users. To achieve this goal, we draw on our expertise in the development of customised solutions for individuals and businesses, which are so often interconnected.

Our clients value our personal approach, and as participants in the cryptocurrency market, we can
help them in all areas of cryptocurrency management. Bitcoin, Ether (ETH), Ether Classic (ETC), Ripple (XRP), Monero (XMR), Litecoin (LTC), Dash (DASH), Tether USD (USDT), Lumen (XLM), Dogecoin (XDG), Augur (REP), Zcash (ZEC), Iconomi (ICN), Melon (MLN), Gnosis (GNO).


Providing a reliable service to our clients is one of our main priorities. Dedicating adequate resources to our client support service, we can ensure fast and convenient access to the relevant information. So much so that the level of service from Nebeus' support team was highly valued by our users as well as by company Zendesk – an expert in the field. In fact, according to Zendesk's evaluation, Nebeus' support service is ranked among the top 15% of services with the best time for responding to client requests.

P2P remittance

Our platform allows end-users to make and receive payments in cryptocurrencies with easy QR code generation for your address. Remittance can be completed either via our website or on the move through the mobileapplication. Customers can send and request payments from registered Nebeus users as well as from nonregistered parties.

API to our platform

We encourage third parties to develop value-added services based on our platform. Our aim is to
make this feature a centrepiece of our platform and provide SDK, a library of smart contracts, and
other support tools to developers who will be building value-added products and services.
The API to our platform can be found by following this link:


Our Vision

Over the course of the last three years, we have developed a comprehensive range of essential services without compromising on security, AML and KYC procedures in our business model


We continually strive to:

  • take our platform to the next level
  • put our customers and their needs first
  • become leaders in the quality of service provision for the blockchain economy


We want to innovate and become trend setters in this exciting new blockchain economy. Our aim is
to create an eco-system which will be based on the three pillars of blockchain:

  • Security
  • Transparency
  • Fairness


We are planning to split our services into three groups:

  • Services for Individuals
  • Corporate
  • Third parties


Utilising our API, SDK, and library of smart contracts we are aiming to provide developers tools  enabling them to create value-added solutions on top of our platform.

Our services will meet all required regulations, and where we will sense a need for exceedingregulators’ requirements, we will employ the necessary additional internal regulations to ensure stability of the eco-system, and safety of all participants.

Solutions for Individual Customers

Currently, customers can take P2P loans in cryptocurrency, as well as trade and exchange currencies, send and receive payments, and receive a MasterCard linked to their account.

We are planning to add the following functionalities:

  • Optional cold storage – for those choosing to store their holdings long term (Cold Vault Service)
  • Creation of multi-sign wallets – in various currencies
  • Creation of payment requests – for invoice issuance
  • Creation of recurring payments
  • Issuance of gift cards
  • Provision of access to immediately-available loans – where stored cryptocurrency is used ascollateral
  • Opening of IBAN accounts – for EU residents



Solutions for Corporate Customers
  • Access to cryptocurrency markets – in exchange for fiat currency
  • Mass pay-out solutions – for the workforce
  • API – for payment acceptance of cryptocurrencies
  • Cold storage of cryptocurrency
  • Dedicated IBAN accounts – for cryptocurrency operations
  • Smart contract executions
  • Dedicated solutions for mining companies
  • Services for companies organising ICOs
  • Open API for remittance companies – allowing them to provide remittance in cryptocurrencies
  • Open API for Payment Service Providers – allowing payment acceptance in cryptocurrencies
  • Crowdfunding platform for end-user initiated causes – charities, public causes, etc
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