Adaptive & Reactive to Change of a Modern Digital Economy in a World of Digital Commerce.
Current Payment Infrastructure
Assets & Types of Money
TYPE
CASH
BANK DEPOSITS
E-MONEY
STABLECOINS
CRYPTO ASSETS
STABILITY
Yes
Yes
Yes
Maybe
No
ISSUER
Central Bank
Private Bank
E-money Institute
Private Company
No Central Issuer
BACKED BY
Central Bank/State
Central Bank Reserves/Regulation
Bank Deposits
Bank Deposits/EU Regulations
No Security
AVAILABLE TO
Citizens & Companies
Citizens & Companies
Citizens & Companies
Citizens & Companies
Citizens & Companies
TECHNOLOGY
–
Centralized Database
Centralized Database
Decentralized
Decentralized
Retail & Wholesale CDBC
TYPE
RETAIL CDBC
WHOLESALE CDBC
STABILITY
Yes
Yes
ISSUER
Central Bank
Central Bank
BACKED BY
Central Bank/State
Central Bank/State
AVAILABLE TO
Citizens & Companies
Financial Actors
TECHNOLOGY
Centralized/Decentralized Database
Decentralized Database
Unbanked Population
The digital revolution offers a chance to increase access for all, without making compliance over-burdening.
Every user will have the opportunity to make more effective & impactful financial decisions in their daily lives.
Web3, Blockchain & Metaverse
The Metaverse will undoubtedly be the source of the next revolutionary disruption.
Accessibility
The ease with which people can access and use the type of financial service.
TradFi
Operates via local/regional/national branches and depends on intermediaries to provide services.
CeFi
Supports global reach and minimal or no intermediaries’ requirements to provide 24/7 services.
DeFi
Supports global reach and minimal or no intermediaries’ requirements to provide 24/7 services.
Compliance
The degree to which the offered service is impacted by regulatory requirements and the extent to which it operates within the regulatory perimeter.
High compliance expectations including licensing requirements from primary regulatory agencies.
Must acquire licences like BitLicense, Virtual Money Transmitter License, etc and more regulated than DeFi.
DeFi entities have less regulations currently but face the highest regulatory uncertainty.
Tokenization
The extent to which tangible and non-tangible assets can be converted to blockchain tokens.
Tokenization is limited to securities only.
Highly prevalent and is seen in forms like utility tokens, governance tokens, stablecoins, NFTs, etc.
Highly prevalent and is seen in forms like utility tokens, governance tokens, stablecoins, NFTs, etc.
Liquidity
The ability to demonstrate sufficient liquidity with a robust pricing mechanism, liquidity forecasting, and contingency funding plan.
Most of the financial markets (i.e. stock, bond, and currency markets) see high liquidity.
Exchanges for cryptocurrencies are liquid, even though not as liquid as traditional financial markets.
Due to its emerging nature as well as limited industry-adopted and time-tested mechanisms, DeFi applications often have a lesser ability to reliably demonstrate sufficient liquidity.
Governance
The strenght of governance structures including presence of board, committees, and defined protocols for intercompany services and operations.
Well-defined traditional governance structures are seen with board, mamgement, and staff along with intermediaries.
Majority decision-making rests with stakeholders.
Governance may excist in the form of tokens that enable decision-making through voting rights; however, it is largely decentralized with arisk of asymmetrical concentration.
Transparency
The extent to availability and symmetry of information available in the type of financial service.
Periodic financial information is publicly available.
CeFi has an opaque system where a centralized entity keeps most of the information with minimal publicly available information.
All transactional data is publicly available making DeFi highly transparant.
Smart Contracts
The use of smart contracts in provding services to customers.
Periodic financial information is publicly available.
Utilize smart contracts to a limited extent in certain areas.
Extensive use of smart contracts, the coding of which controls how the DeFi application works.
Universal Payment Gateway
Mobility allows you and staff to break free from the confines of a traditional counter terminal.
Restaurant & Menu Cards
Food & Drinks
- 1. Add URL or QR code to your Bio.
- 2. Customers place order via mobile.
- 3. Customers settle payment on mobile.
- 4. Deliver order at collection point or serve it out.
- 5. Client receives mobile payment receipt (PDF).
Professional Groups & Sectors
Person-2-Person
- 1. Scan QR or NFC with mobile device.
- 2. Customers fill in total amount to pay.
- 3. Customers settle payment on mobile.
- 4. B2B or B2C order fullfillment takes place.
- 5. Client receives mobile payment receipt (PDF).
Social Commerce
Online & Social Media
- 1. Add URL or QR code to your Bio.
- 2. Customers place order via mobile.
- 3. Customers settle payment on mobile.
- 4. Deliver order to customers.
- 5. Client receives mobile payment receipt (PDF).
Top Up, Billing & Invoices
Utility Bill Payments
- 1. Clients scan QR code or click URL.
- 2. Clients fill in total amount of bill to pay.
- 3. Clients settle payment on mobile.
- 4. Client receives mobile payment receipt (PDF).
Tickets
Indoor & Outdoor
- 1. Make reservation or order via URL/QR/NFC.
- 2. Customers settle payment on mobile.
- 3. Client receives receipt with QR code (PDF).
- 4. Customers print or show QR code at location.
- 5. QR code is scanned and checked in.
Hospitality | Catering
Hotel, Grand Café, Bistro, Restaurant, Pub, Food Truck, Host, Barkeeper, Room Service, Food Delivery
Toerism | Recreation
Bungalow Park, Camping, Congress, Car Rental, Boat Rental, Stewardess, Tour Guide, Desk Clerk, Hostess
Beauty & Health Salon
Beautician, Hairdresser, Gym, Physiotherapy, Pedicure, Manicure, Spa, Wellness, Dentist, Plastic Surgery
Retail | Store
As a retailer, retailers and web shops have more opportunities, sales, turnover and customer loyalty due to the wide reach of their own app
Entertainment Sector
Artists, DJ, Festivals, Events, Theater, Cinema, Studio, Operator, Sound & Vision, Games, Escape Rooms, Interactive Software
Self-Employed
Self-employed, Freelancer, Sole Proprietorship, Ltd, VOF, BV, CV, Partnership, Sales, Installation, Maintenance, Repair, Advisors, Lawyer
Road Map
» Promote interoperability to create an open, inclusive, and competitive marketplace
» Be an enabler with minimal public digital infrastructure
» Be scale efficient and build for population-scale adoption
» Omnichannel, Multichannel & Crosschannel interoperability
» Make digital commerce, small-business friendly and broad-based innovation
» Pave the way to unlock innovation for reimagining digital commerce
» Ensure rapid digitalization of small-business owners and consumers
» Eliminate the need for a central intermediairy in the Metaverse (AI, VR, AR, MR
» Zero debts and no more lending for a healthy financial system (DeFi).
» Explore for More!
Future & Beyond
Digital currencies & fast payments will enhance efficiency and financial inclusion, while buttressing data privacy with digital version of sovereign currrency as foundation, while safeguarding stability & security of the future monetary system.
Development Team
Privatly-owned, Europe based company specialized in developing Centralized (CeFi), Decentralized (DeFi), Web3 & IPFS payment solutions for all business, products & servces. Dedicated to innovating and providing the most cutting-edge technology for a seamless ecosystem to accept digital payments worldwide.
CoC-nr.: 57641218 | VAT-ID: NL0013964B52
