Cryptobank for Cryptopeople

A revolutionary digital cryptobank with a credit subtoken and an open platform

Whitepaper Presentation Chat
Click here for complete rules

Token sale starts in:

days
:
hours
:
minutes
:
seconds
October, 31st / 10:00:00 (UTC-4)
Coinspeaker CryptoNinja Coin Idol.com money.it Canard
Crypterium Official
Keith Teare about Crypterium
Crypterium App
The Role of Cryptobanks

Founders on Crypterium Banking Revolution

Keith Teare, co-founder of Techcrunch about Crypterium

Crypterium mobile bank 0.5 is ready — See how it works

Vladimir Gorbunov discusses the role of сryptobanks with creator of Ethereum

A cryptobank for everyone

In 8 years’ time, the crypto-economy will exceed 10 trillion dollars. Cryptobanks will become a cornerstone in the relations between decentralized economy and future daily life by expanding payment infrastructure and possibilities, creating new cryptocurrency payments scenarios and lowering interest rates. Crypterium is a cryptobank creating the future, today.

Worldwide

200 000 000

potential clients

Lower costs

up to 8x lower
transaction costs

No Borders

for international payments

100x Faster

transaction speed
up to 100x faster

500

billion USD — expected revenue
of cryptobanks by 2025

Our core

Leading Cryptobank
for the Cryptoeconomy

Crypterium's goal is to provide a complete vertically integrated service that encompasses the best ideas from the entire community of the world's best blockchain enthusiasts.
C

Mobile Cryptobank

Instant cryptocurrency payments without limits in 42 mln stores

Loyalty programs and cashback

Contactless payments via NFC, QR, ApplePay, AndroidPay

Cryptocurrency Acquiring

Solutions for every sphere of retail trade and services

Native integrations with POS software

Crypto-to-fiat settlements

OpenAPI Platform

AppStore for retail cryptocurrency software and solutions

Own decentralized server infrastructure

Third-party integrations – Easy!

Blockchain Based Loans

Instant loans anywhere in the world

Combination of current scoring systems and smart contracts

Unified exchange for liquidity and lowering risks

Presentation
  • Smart Contract Wallet
  • PSI-DSS Certification
  • Manageable Limits (daily, single)
  • Multisig Wallet
  • Real-time Fraud Monitoring
  • Technical and Financial Audit

Solutions

Crypterium is a contactless cryptobank for everyone

Everything you need in your smartphone: payments, transfers,
currency exchange, instant loans. Our goal - replace your bank.
  • No more wait times for your card to be issued.
    You will get your virtual card just after registration.
  • No limits on transaction volume.
    Seriously, no limits in crypto or fiat.
  • No need for currency exchanges. Instant payments
    in fiat money or cryptocurrencies internationally.
  • Integration with third-party payment wallets or services
    (PayPal, Gyft, WeChat, Alipay, PayTM)
  • Loyalty programs and cashback for every transaction,
    increased cashback for token holders.
  • Contactless payments options – ApplePay, SamsungPay,
    AndroidPay, QR code
    mechanics and many others.
NFC VISA Payment
NFC VISA Payment
QR Payments
QR Payments
Virtual card issuing

Cryptocurrency acquiring solution for merchants

We are creating a global cryptopayments infrastructure

  • Merchants receive fiat money even if payment is made in cryptocurrency
  • Ready-to-use solutions for e-commerce platforms and site builders
  • Commissions are lower than card acquirement — only 0.5%
  • In-built exchange, marketing platform and solutions for automatic loyalty programs
  • Integrations with main POS software: R-keeper, Inpass, Cegid, Amber
    18 uniques solution
    for every sphere of retail trade and services:
  • SMB, street-retail, HoReCa, e-commerce, transport sphere, vending,
    parking and others
Crypterium payment cases
Shop
Online store
Street retail
Restaurant
Parking

Shop

1
Open Crypterium
mobile bank app
2
Scan the QR-code
3
Confirm your
purchase
  • Cashback is higher — up to 50%
  • Personal and payment information security
  • Loyalty and bonus mechanics

Online store

1
Open Crypterium
mobile bank app
2
Scan the QR-code
3
Confirm your
purchase
  • No need for registration of authorization on site
  • Security of personal and payment information
  • No need to fill up delivery or purchase details forms
  • Purchase process is faster up to 10x times

Street retail

1
Open Crypterium
mobile bank app
2
Scan the QR-code
3
Confirm your
purchase
  • Cashless, contactless payments available
    even for street kiosks
  • Faster and safer payment

Restaurant

1
Open Crypterium
mobile bank app
2
Scan the QR-code
3
Confirm your
purchase
  • No need to ask a waiter to pay
  • Faster and more convenient payments

Parking

1
Open Crypterium
mobile bank app
2
Scan the QR-code
3
Confirm your
purchase
  • Pay for your parking while you stay inside the car
  • Get cashback for your parking or transport expenses
Credit subtoken

Technology of a blockchain based credit system

Credit subtoken (CRED) gives the opportunity to create a full-fledged banking structure
and interest interactions based on blockchain.

1.Credit

A customer obtains a Crypterium Credit Currency Loan, CRED, underpinned by a smart contract that takes account of that customer's unique credit rating and in turn applies specific interest rates and conditions (which may or may not include collateral).

2.Exchange

The customer then converts the loan into a currency of his choice on a dedicated currency exchange. This is done seamlessly within Crypterium at the request of the customer.

3.100% Guarantee

Liquidity, guaranteed by Crypterium, will reduce volatility and adjust interest rates. The credit itself may also be tracked to a world currency index to avoid sharp fluctuations.

4.Repurchase

At the end of the loan period, the borrower must repay in CRED including interest, purchasing the cryptocurrency from the CRED Currency Exchange

5.Payback

The borrower has now completed his repayment obligations and has amended his credit score for future loan requests

6.Demand

The cycle of crypto to fiat and back again, creates an inherent need for Crypterium based services and ultimately an enhanced demand for CRED

Credit subtoken is a new standard
of cryptocredit based on the blockchain system

  • The first subtoken of its kind with secured liquidity
  • Owners of credit subtokens receive income much higher than the average market
  • Decentralized storage of the reputation of borrowers in smart contracts
  • Opportunity to use CRED by other cryptobanks

Crypterium OpenAPI — A banking platform that enables developer solutions for a decentralised economy

  • Modular structure enabling easy implementation for different softwares
  • Advanced payment and processing technologies, fine-tuned
    from more than 3 years of development testing
  • Unified AppStore for retail cryptocurrency solutions
    with a Crypterium products audience
  • ‘Sandbox’ for early stage development
    and debugging software
  • Opportunity to deploy developed software and services
    on a decentralized Crypterium server infrastructure
Learn more

Tokenholder benefits

CRPT Token Properties

0.5%
With every customer payment made via the Crypterium Cryptobank , a small transaction charge of 0.5% will be applied to that user payment which in turn will automatically be used to purchase CRPT from the open market and subsequently burned – as a result a constant demand for tokens is expected.
30%
30% of our transaction revenue (merchant commission) will be used to thank
our CRPT token-holders and the most active users
Bronze 5%
No necessary
ownership amount
Silver 10%
1+ CRPT necessary ownership
amount
Gold 35%
8 000+ CRPT necessary ownership
amount
Platinum 50%
25 000+ CRPT necessary ownership
amount
Аcquired CRPT tokens are divided between existing token-holders, depending on their Crypterium bank usage.
Learn more

Our Story

2013

Contactless Payment
Technologies

First company in Eastern Europe to develop mobile payment solutions based on QR-code scanning. Raised more than $1 million in investments during round A.
2015

Universal tool
for daily payments

More than 300 integrations with the most popular e-commerce retail services delivering a universal payment application for the most common daily needs. Successfully raised $7 million during round B.
2017

Interbanking direct
payment protocol

Creation of a direct debit protocol that is key to ensuring payment processes can be applied with virtually zero fees, enabling users to focus on their payment experience and rewards.
2018

Mobile Cryptobank

Cryptocurrencies effectively enable users to make international low cost secure transactions. The mobile cryptobank maintains the best payment experience and enriches it with a wide range of practical features.
See our roadmap
2020

Cryptocurencies Ecosystem

Drivers required for the cryptoeconomy to emerge as the standard for those things that can not be developed out of the current box and which require dedicated technology solutions.
See our roadmap

Road map

The achievement of all goals is laid out in this roadmap. We are continually working to meet deadlines, but if delays are required to maintain high standards, the timeline will be be adjusted as necessary.
2017
December
2018
January February March April May June July August September
Crypterium mobile bank development
Cryptoaquiring solutions
implementation. Development of
CrypteriumSX technology
Crypterium OpenAPI platform development
AppStore for software
based on OpenAPI
Grants for OpenAPI
products development
Credit token protocol development, integration with scoring platforms,
setting up self-regulatory token exchange algorithms

ICO timeline

24 October 2017
Tokenholder account registration
31 October | 10:00:00 — 6 November
Extra bonuses
Early Sale
30 000+
Token purchase amount
+33%
Token premium
3 000+
Token purchase amount
+23%
Token premium
10 000+
Token purchase amount
+26%
Token premium
1+
Token purchase amount
+20%
Token premium
7 November — 27 November
Bonus Sale
7 November — 13 November
+15%
Token premium
1+
Token purchase amount
14 November — 18 November
+10%
Token premium
1+
Token purchase amount
19 November — 23 November
+6%
Token premium
1+
Token purchase amount
24 November — 27 November
+3%
Token premium
1+
Token purchase amount
28 November 2017 — 13 January 2018
Token sale with no bonuses
14 January 2018 — 25 January 2018
Token allocation and destruction
of unused tokens
February 2018 — March 2018
Listing on token exchanges

Crypterium Expenses
And Corresponding Results

$3 mlns USD
Crypterium
Cryptocurrency
Wallet
$8 mlns USD
Crypterium
Mobile Bank
$15.5 mlns USD
Cryptoacquiring
Solutions
$28 mlns USD
Cryptopayments
Global Infrastructure
$31 mlns USD
Licensed Banking
Services
$34.5 mlns USD
OpenAPI
Platform
$36.5 mlns USD
Complementary
Services Development
$47 mlns USD
Credit Token
Technology

500 BTC Crypterium Cryptocurrency Wallet

  • Processing Center
  • Fiat-to-Crypto and vice versa instant exchanges
  • NFС payment support (only for Android devices via card emulation)
  • Integrations with third-party Cryptocurrency payment infrastructure
  • P2P transfers in fiat and crypto currencies

1 500 BTC Crypterium Mobile Bank

  • Implementation of Crypterium SX technology – lower commission on multicurrency operations
  • Native contactless payment support (Apple Pay, Samsung Pay, Android Pay, etc.)
  • Partnership with banks or financial institutions in every region of financial activities – to guarantee stability and security of settlements
  • Integrations with third-party daily financial services (subscription management, accounting, etc.)

3 000 BTC Cryptoacquiring Solutions

  • Contactless payment solutions implementation to inPOS and e-commerce cryptocurrency payments
  • Integrations with global POS software
  • Fiat money and Cryptocurrency settlement for merchants – no problems in accounting
  • More than 5000 POS connected to our own payment infrastructure worldwide

6 000 BTC Cryptopayments Global Infrastructure

  • Solutions for integrating cryptopayments unique mechanics into everyday expenses (transport, automated POS, street retail, etc.)
  • Lower commissions on payments and settlements for merchants
  • Marketing and bonus platform implementations
  • More than 25000 POS connected to our own payment infrastructure worldwide

7 000 BTC Licensed Banking Services

  • Wealth management, brokerage accounts, private banking and retirement planning
  • Licensing Crypterium as a European bank
  • Lobbying the interests of the blockchain community
  • Lower commission on all operations
  • Increase in stability, independency and security for all activities

8 500 BTC OpenAPI Platform

  • Decentralized server infrastructure
  • OpenAPI payments and transactions gates
  • Exchange integration support
  • Open processing system for corporate projects
  • Loyalty and marketing in-built systems support
  • Unified standards of operation with cryptocurrency

10 000 BTC Complementary Services Development

  • AppStore for blockchain and cryptocurrency solutions
  • AppStore for OpenAPI based products
  • In-app purchases mechanics
  • Complementary services development – escrow, hedging services, “secure” purchase, etc.
  • Platforms and services expansion
  • Integration with majority of key Cryptocurrency projects

14 500 BTC Credit Token Technology

  • Secured loans by collateral
  • Integrations with scoring platforms
  • Forming own scoring AI platform
  • Credit Token trading exchange development
  • Algorithms and mechanics for self-regulated Credit Token exchange rates
  • Obtaining a banking license
  • Further integrations with blockchain-community projects
  • Global association of Cryptoeconomy development

Join us before October 31st and get 25 free tokens!

Token Structure

Distributed to Community
70%
Reserved Funding
15%
Founders and Team
9%
3%
Advisors
3%
«Bounty»
campaign
Cost of 1 token CRPT:
0.0001 BTC
Term of token sale:
75 days with the possibility of an automatic early completion in pursuing the final goals of ICO
Expanded goals after start of ICO:
Impossible
Technical limitation of number
of tokens:
300 000 000
Adjustable emission:
All unsold and unallocated tokens will bе destroyed and additional release оf tokens will not be possible
Secured ways to purchase tokens:
Bitcoin (ВТC), Ethereum (ETH), fiat payments
Hardcap:
$47 000 000 USD
Set start of ICO
31 October
2017
10:00:00 UTC-4

Our advisors

Keith Teare
Keith Teare
Executive Chair at Accelerated Digital Ventures
A leading figure past and present in many important companies including Archimedes Labs, Minds and Machines Inc, MedCo, EasyNet and RealNames to name just a small few, Keith is also one of the co-founders of Techcrunch.
LinkedIn
Elie Galem
Elie Galem
Chief Investment Officer at Eastmore Group
Mathematician and quantitative hedge fund CIO, Elie is an advisor to tier one projects bringing Blockchain, ICO, Digital Assets & Cryptocurrencies to the financial ecosystem, including Bancor, Legolas Exchange, and Gimli.
LinkedIn
Katrina Arden
Katrina Arden
Founder of Blockchain Law Group
Katrina Arden is a blockchain attorney licensed in the state of California, USA. She has been involved in the blockchain community since 2016 and consulted on multiple token sale projects (Cryptonomos, Giga Watt project, ICOBox, and others). Katrina is a founder of Blockchain Law Group, which offers consulting in the field of blockchain technology, issuance of product and security tokens, and cryptocurrency matters.
LinkedIn
Fabio Tamburrano
Fabio Tamburrano
Experienced CFO, General Director and current
Board Member of Coeclerici Spa Russia
Global mining company with HQ in Milan, with a strong track record of corporate finance and investment management, Fabio learned his trade at companies such as Moody's, Deutsche Bank (VP structured products) and more recently in Russia as a board member of Minmet Financing (Swiss trading company) and as an Investment Director at Svyaznoy (one of Russia's largest mobile phone providers).
LinkedIn
Roger Crook
Roger Crook
CEO of Capital Springboard
Roger Crook is the Singapore’s leading peer-to-peer invoice financing platform for SMEs. He is the Former Global CEO of DHL Global Forwarding and has 25 years of international leadership and operational experience
LinkedIn
Andras Kristof
Andras Kristof
CTO at Yojee, Founder and CEO
of Fembusa Terminals Pte Ltd x
The company made headlines when they unveiled Asia's first Bitcoin ATM in Singapore, the Tembusu Prime Bitcoin ATM. Andras is the founder and CTO of many groundbreaking companies in Asia.
LinkedIn
Vladimir Kapustin
Vladimir Kapustin
Founder of Firstline.ru, Project24.ru
Advisor at Erachain.org
Serial entrepreneur, venture cryptoinvestor, pioneer of digital insurance in Russia.
LinkedIn
Mike Raitsyn
Mike Raitsyn
Founder of ICObox
ICO professional
LinkedIn
Julian L. Zegelman
Julian L. Zegelman
Managing Partner at Velton Zegelman PC
Julian is an experienced corporate attorney, serial entrepreneur and angel investor. He is a Managing Partner at Velton Zegelman PC, a boutique corporate and securities law firm with offices in San Francisco (CA), Sunnyvale (CA), and Moscow (Russia).
LinkedIn

Our team

Steven Polyak
Steven Polyak
Managing Director, Co-founder
Steven is highly experienced investment banker with a
focus of interest on capital markets in the USA and Russia.
LinkedIn
Austin Kimm
Austin Kimm
IR Director, Co-founder
Financial services CEO, Austin Kimm is an international
strategist for established and start-up companies.
LinkedIn
Gleb Markov
Gleb Markov
COO, Co-founder
Fintech, banking and cryptocurrency
Professional with over 10 years of experience in the industry.
LinkedIn
Vladimir Gorbunov
Vladimir Gorbunov
CCO, Co-founder
Entrepreneur with more than 10 successful new
ventures and a particular focus on simplifying real-world issues through technology.
LinkedIn
Pavel Rasputin
Pavel Rasputin
CMO
Professional with more than 10 years of experience in marketing — from B2B for one of the biggest Russian software developing companies SKB Kontur to international B2C with Aviasales and Jetradar.com
LinkedIn
Nick Evdokimov
Nick Evdokimov
Strategy Director
Launched Giga Watt, Paragon, Tokenstars and a lot of other successful ICOs.
LinkedIn
Dimitriy Fomin
Dimitriy Fomin
CTO, Head of Security & QA
Dimitriy is a blockchain and smart contracts developer with
fintech experience.
LinkedIn
Ilya Churakov
Ilya Churakov
Video Producer
LinkedIn
Simon Sergeev
Simon Sergeev
Head of Support & Communications
LinkedIn
George Ermakov
George Ermakov
Strategy Development Manager
LinkedIn
Igor Tszyan-Nyn-Tsay
Igor Tszyan-Nyn-Tsay
Head of Law & Regulation
LinkedIn
Ruff Rubaker
Ruff Rubaker
Аrt Director
LinkedIn
Ivan Vasiliev
Ivan Vasiliev
Senior R&D Engineer
LinkedIn
Igor Semenchenko
Igor Semenchenko
Lead Mathematician, Senior Architect Developer
LinkedIn

FAQ

What is a cryptobank?

A cryptobank is a new kind of bank that provides the same type of services as a traditional high street bank, but with cryptoassets such as a cryptocurrencies and tokens rather than everyday money we are used to seeing today (often referred to as fiat money). Cryptobanks provide a service-payment infrastructure; a communication between the crypto-world and the fiat-world, opening up an opportunity for users to pay in cryptoassets, and the merchant to receive funds fiat money for services such as telephone, utilities, penalties, loans, taxes, internet, and so on. In simple terms, a cryptobank enables you to spend cryptocurrency in the real world.

What is the difference between a wallet and a cryptobank?

The main purpose of digital wallets is the transfer and storage of crypto assets. Like a savings account but with no interest, or the transfer from one crypto wallet to another crypto wallet. Crypterium’s Cryptobank offers so much more. As well as enabling the spending of the wallet’s digital assets though the crypto2fiat exchange it provides a wide range of additional important banking services such as asset currency exchange, lending, cross border payments and acquiring services (the ability for a merchant to receive a payment other than cash) for companies based on our own payment infrastructure. We also provide access for developers to our crypto-payment infrastructure through the open platform OpenAPI.

How does credit subtoken CRED work?

A customer obtains a loan in CRED tokens. The customer then converts the loan into a currency of his choice on a dedicated currency exchange within Crypterium. At the end of the loan period, the borrower must repay in CRED including interest, to complete his repayment obligations and amend his credit score for future loan requests. Credit subtoken CRED is a new standart of cryptocredit based on blockchain.

A full 6 step credit subtoken CRED diagram can be found in our whitepaper (https://crypterium.io/wp).

What is your team’s background?

Many members of the Crypterium management team are highly experienced digital payment professionals coming from some of the most innovative Fintech sectors in Europe and having spent the better part of 10 years developing digital payment and banking solutions. This team is supported by experienced financial professionals and experienced C level executives who have worked in several different markets and countries.

When combined, the team has attracted more than $50 million in investments toward fintech projects they have been responsible for creating and developing, including PayQR (Russia’s leading independent contactless payment platform – see further comment below), Workle (a digital sales platform that has over 1.5 million independent users selling everything from credit cards to security alarms) and Bonus Club (a digital loyalty program that is integrated into leading publishers’ websites).

When will you release your mobile app?

MVP is almost ready. Public access to the application will appear soon. For now it is in the process of internal testing and debugging. We have a vast experience in developing payment applications. Among them PayQR, Bonus Club, SaharCard.

When does Crypterium ICO start?

The token sale starts on October 31, 2017 and ends on January 13 (or sooner, if the token issue cap is reached). If you need to buy more than 20.000 tokens before the beginning of the ICO, please contact us: ir@crypterium.io.

What are the conditions for the pre-sale?

The pre-sale starts on October 31 and ends on November 6. You can receive up to a 33% token bonus for purchases during this time period. I.e. if you buy 30.000 CRPT tokens, you will receive a bonus 9.900 CRPT tokens, so in total you’ll get 39.900 CRPT tokens. If you need an exclusive offer please contact us: ir@crypterium.io.

How can I contribute to the Crypterium ICO?

Supported payment methods are Bitcoin (BTC), Ethereum (ETH) and fiat payments. You need to register an account in our book building platform: https://tokensale.crypterium.io/.

What makes the Crypterium token (CRPT) unique?

The uniqueness of the CRPT token is that it is demand-based. Each transaction in a crypto bank forms a demand for a token, because part of the funds from the transaction go toward its purchase on the open market. This ensures constant liquidity of the CRPT tokens.

What are token holder benefits?

30% from Crypterium’s transaction profit (merchant commission) will be used to thank our CRPT token-holders and the most active users through the acquisition distribution of CRPT tokens via a monthly loyalty fund (MLF). Acquired CRPT tokens are divided between existing token-holders, depending on their Crypterium bank usage. MLF refilling also creates constant demand for CRPT tokens.

Is there a minimum amount of tokens to buy?

Minimum token purchase amount during the token sale is just 1 CRPT token.
Learn more
Internal panels
Modules
External panels
Partners admin panel
(advertisement / payments
/ exchanges / loans)
Authentication
Order gate
Payment gate
Partner affiliate
Partners admin panel
(advertisement / payments
/ exchanges / loans)
Products
(Api interactions)
Mobile apps,
mobile SDK
WEB API, Widgets
Bank integrations
Data processes bus
Modules
Loyalty programs
Online accounting
Fraud monitoring
Notification Center
Messengers gate
Financials processing
Data processing
Advanced analytics
and forecasting
Currency exchanges
integration (SX)
Credit and loans
market integration
Event driven
marketing
External integrations
Restaurants
R-Keeper
UCS Online
Shopping
INPASS
Finances
CyperPlat
Metropolitan
PayU
Sales
Admitad
Rakuten
CJ Affiliate
CMS
1C-Bitrix
Magento
osCommerce
CS-Cart
Yii Framework
Drupal
Image
Amiro
Moguta
Discounts
Scorista
FICO