Early Investment
A simple illustration - Benefit of early investment
For comparison to an existing business that has the most similarity to XCOYNZ’ business model, refer to the performance of Binance and their Token (BNB)
If one had invested in BNB tokens at time of launch....
-
Value
of BNB at launch
$0.1152
-
Value
of BNB today
$9.53
-
Gain
as at today
$9.41
-
Investment $
$1,000
$5,000
- Tokens obtained 8,681 43,403
-
Gain today
$81,726
$408,628
-
Value of BNB at launch
$0.1152
-
Value of BNB today
$9.53
-
Gain as at today
$9.41
-
Investment $
$1,000
$5,000
- Tokens obtained 8,681 43,403
-
Gain today
$81,726
$408,628
The XCZ Public Sale now gives investors the opportunity to do what they missed with BNB
Introduction
Our all-in-one cryptocurrency platform enables any person - crypto enthusiast or otherwise - to:
Set Your Own Fees when exchanging crypto and fiat currencies
Create a consolidated Smart Algorithm Wallet to minimise network fees and maximise profits
Pay for products and services on retail sites with cryptocurrencies using the SAW
Receive crypto payments directly via the Retailer Payment Gateway - settled in the fiat of their choice
Set Your Own Fees when exchanging crypto and fiat currencies
Create a consolidated Smart Algorithm Wallet to minimise network fees and maximise profits
Pay for products and services on retail sites with cryptocurrencies using the SAW
Receive crypto payments directly via the Retailer Payment Gateway - settled in the fiat of their choice
Card holders may also withdraw local fiat cash at competitive rates anywhere in the world
News
Latest News Announcements
How It Works
Exchange
Access to all popular crypto markets with fiat or existing cryptocurrencies. Simple and feature-packed for both an experienced trader or first time buyer.
Store & Save
Securely store and HODL crypto assets with our smart wallet solution, helping traders reduce transaction fees and protect their investments.
Spend & Receive
Consumers may spend digital currencies online or in retail environments, while businesses may expand their reach and revenue models by accepting crypto payments.
Ecosystem Overview
The ultimate solution for exchanging, spending and receiving payments in cryptocurrencies. Set your own fee,
global payments card and more.
Exchange
Facilitating the fast exchange of various crypto and fiat currencies.
- Simplify direct transfer to bank accounts
- Scheduling of recurrent payments
- Let users set their own fees
USE CASES:
- A cryptocurrency novice can enter the market easily with XCOYNZ streamlined services, with suggestions
- Veteran crypto holders can easily exchange fiat/crypto and benefit from the ‘set your own fee’ mechanic.
SAW (Smart Algorithm Wallet)
AI-powered, the SAW allows a user to better manage their cryptoassets and make use of them in daily life.
- Supports multiple cryptocurrencies
- Algorithmically determines best cryptos to exchange for any spend
USE CASES:
- Crypto holders can stay informed and move with confidence without heavy research, with SAW insights suggesting best routes for investment, divestment and spend.
Payment Gateway
The missing link between online merchants/retailers and crypto participants
- Simple API to allow online retailers to accept crypto payments for goods and services.
- Cryptocurrency will only replace traditional payment methods when it is established as simple and beneficial to adopt
USE CASES:
- An online retailer can increase their customer base by accepting crypto payments with XCOYNZ, without worrying about additional legal obligations.
- Merchants can make use of the instant settlement of fiat to avoid any risk of volatility that comes with crypto acceptance.
Smart Card
Contactless payment cards for crypto payments and the withdrawal of fiat from ATMs.
- User can pre-load crypto assets into a linked wallet and spend them anywhere a traditional card is accepted.
- Cryptocurrency will only replace traditional payment methods when it is established as simple and beneficial to adopt
USE CASES:
- A crypto-asset holder can enjoy a higher level of liquidity and instant access to crypto assets as fiat equivalent for typical card payments, without having to log into an exchange and process a withdrawal.
Opportunity
Market Gap
Cryptocurrency Wallets
In the cryptocurrency world, wallets exist and usually allow one crypto asset per Individual wallet.
The following problems are associated with the above scenario:
Making a payment that requires combining some of your crypto assets, can be
tedious as you may be required to use several wallets incurring several charges before your payment can be
completed.
Currently, there is no way for those with a diverse crypto portfolio to work out the best use of combined
assets
in making a payment for a product or service. It is almost a non-option, except for those with the time,
patience and tools to go through this process manually.
The Commercial World - Restrictions
Business owners were relatively slow in their uptake of alternative payment methods such as cheques, debit and
credit cards, alongside the traditional notes and coins, and it took decades for the transformation. These are
now
the established payment methods, but for how long?
In today’s commercial world that is largely internet-based, the extraordinarily high fees faced by businesses
from
centralised payment providers and gateways is usually passed straight on to the consumer, and where it cannot
be,
the business removes itself from providing their service. Furthermore, physical payments will soon become
extinct
and newer payment methods will naturally replace traditional ones, with cryptocurrencies being the forerunner.
The
market gap in this area and the potential gains in becoming an enabler is all too clear - and we aim to bridge
this gap with the XCOYNZ Payment Gateway
Our Solution
Our Solution - The XCOYNZ Platform
XCOYNZ Exchange
Our solution will address the problem of exchanging
fiat to Crypto, Crypto to Crypto and Crypto to fiat, all under one roof, namely the XCOYNZ Exchange. The XCOYNZ
Exchange will also address high fees by allowing the Individual to define the fee that they would like to pay
for their transaction. It will also accelerate the transfer of Crypto assets back to the Individual’s fiat bank
account faster than existing methods, using our custom-built technology known as X-Swift based on a private
XCOYNZ Blockchain, with the ultimate goal of being near-instantaneous.
The XCOYNZ Exchange enables Individuals to set their own fee when exchanging their Crypto assets. This will be
based on a recurring annual allowance from the time of first registration, with further loyalty bonuses being
awarded based on periodic exchange activity volume. This is a ground-breaking incentive in the Crypto world and
will disrupt the way business is done for Cryptocurrency exchanges in the future. Users of the XCOYNZ Exchange
will also have the ability to transfer from one’s Individual wallet, or even the XCOYNZ SAW - to another
Individual’s bank account as fiat.
XCOYNZ Smart Algorithm Wallet (SAW)
The XCOYNZ SAW will consolidate all your Crypto assets into a single wallet so you can use this to process
your payments faster, and incur only a single fee that again is set and controlled by you. It will also use
smart algorithms to determine the best combination of assets to use to process your payment, minimising costs
or maximising profits. You can opt for the Crypto assets suggested by the SAW or make your own choice as to
which Crypto assets you would like to use. It will also predict which Crypto to HODL or sell.
XCOYNZ Payment Gateway
The XCOYNZ Payment Gateway is the key connector using crypto assets to bring together seller and buyer in the
massive market place that is the internet. With subscriptions it enables retailers to open their businesses up
to accepting payments for goods and services via cryptocurrencies. This immeasurable benefit to the retailer in
exposing their goods and services to a wider audience goes hand in hand with that of the consumer, who now gets
to make use of a portion of their wealth that previously was unable to directly link with the retail world.
With the XCOYNZ Payment Gateway, both brick and mortar businesses and e-commerce retailers can accept
cryptocurrencies as payment for goods and services - and receive timely fiat payments with competitive or
better rates than traditional payment methods.
XCOYNZ Smart Cards
The XCOYNZ Smart Cards will allow the Individual a way of purchasing products and services from a retailer
using their Smart Cards. The Individual will also have the ability to withdraw fiat from the Smart Cards as
well as have instant access to their crypto funds.
Tokenomics
XCOYNZ Tokens
Token Purpose & Appeal
The purpose of the XCZ token is to promote features that elevate functionality of the day-to-day XCOYNZ
business, in turn driving the business forward and hence increasing the value of the token by ensuring that it
has a fundamental use.
Individuals will reap the benefits of having XCZ tokens ready to be used for exchange fee
discounts and a faster, streamlined withdrawal mechanism. Over the next 18 months, there will be a drive to
future-proof the market share that XCOYNZ captures, ensuring optimum level of token recycling safeguards
business
expansion and ultimately enhances mass appeal for the token.
To this effect, XCOYNZ will implement a programme to
burn a set proportion of collected tokens, writing off a fixed share of our business profits with limits and
frequency to be decided once all components of the platform have been launched and the business if fully
functional.
Token Use
The XCZ token is used on the XCOYNZ Exchange, available to the Individual to
enable the following benefits:
Set your transaction fee - is only made available to Individuals that
use their XCZ tokens during an exchange,
otherwise a standard fee is applied.
X-Swift Withdrawal - is only made available for Individuals who use
their XCZ tokens during a withdrawal from
crypto to fiat, otherwise a standard withdrawal is applied.
Retailer Payment Gateway reduced fee - is only made available for
Retailers that use their XCZ tokens during a
payment being made by a customer, otherwise a standard fee is applied.
Token Properties
Token Name :
XCOYNZ Token
Token Symbol :
XCZ
Total Tokens :
1,250,000,000
Decimal Places :
18
Token Type :
Utility Token using a Smart
Contract with
embedded ERC-20 on the Ethereum platform.
Token Allocation
Use of Funds
Token Allocation
Use of Funds
Token Commercialisation
Token Sale
Main Token Sale
Phase 1: 580M Tokens, to be sold with a token bonus of 50%
Phase 2: 76M Tokens, to be sold with a token bonus of 25%
Phase 3: 76M Tokens, to be sold with a token bonus of 5%
All investors to go through a KYC/AML process prior to issuance of tokens.
Minimum investment 0.3 ETH. Maximum investment 200 ETH per investor.
Token Sale Phases
-
Phase
Dates
Tokens
Bonus
- Pre-ICO (Seed Investment) Finished 18,000,000 80%
- Crowdsale Phase 1 Now in Progress until 25th Feb 2019 580,000,000 50%
- Crowdsale Phase 2 26th Feb to 11th Mar 2019 76,000,000 25%
- Crowdsale Phase 3 12th Mar to 18th Mar 2019 76,000,000 5%
- Total 750,000,000
-
Phase
Dates
- Pre-ICO (Seed Investment) Finished
- Crowdsale Phase 1 In Progress until 25th Feb 2019
- Crowdsale Phase 2 26th Feb to 11th Mar 2019
- Crowdsale Phase 3 12th Mar to 18th Mar 2019
Phase Tokens and Bonus
-
Phase
Tokens
Bonus
- Pre-ICO (Seed Investment) 18,000,000 80%
- Crowdsale Phase 1 580,000,000 50%
- Crowdsale Phase 2 76,000,000 25%
- Crowdsale Phase 3 76,000,000 5%
- Total 750,000,000
Post-Sale Allocation
10% (subject to change) of any unsold tokens after the token sale,
will be distributed amongst the seed and
phase 1 investors, in line with their original investment. The remainder of the tokens will be burnt after the
end of the ICO. Token distribution commences a week after the ICO closes and is expected to be completed within
four weeks.
Introducing the Team
Aasam Alim
Founder
● 27 years of leadership experience
● Business intelligence expert specialising in big data
Experienced manager with a track record of success over 27 years. A combination of experience, patience and tenacity with an analytic mind brought to bear on all challenges faced to provide the sustainable and cost-effective solutions required by all modern businesses and institutions.
Tushar Gaikwad
Engineering
● 12 years in telecoms,finance and bigdata
● Consultant and architect to global financial institutions
A Big Data Consultant and Architect with a large multinational consultancy working for a global financial institution. 12 years of combined experience in the field of Telecommunication & Finance using various tools and technologies brings invaluable ability in finding solutions to real world business problems.
John Gurudas
Business Operations
● 29 years in SME operations and strategy
● Authority in
retail, IT and blockchain fields
29 year's experience in both corporate and small/medium business operations with a focus on managing the development of business visions from inception to strategic realisation, with a keen eye on staying aligned with the ever-changing landscape of today's innovative technologies.
Ritesh Ranjan
Product Development
● 15 years of telecoms and biz development experience
● Consultant for Oracle, Lead developer at Inmarsat
Lead Business Intelligence Analyst and Developer with 15 years of experience in leading consultancy and end-user organisations. Exposure to multi-national technology-based environments which enables current role in managing development teams simultaneously in the UK and off-shore.
Azeem Sultan
Infrastructure and Architecture
● 8 years in infrastructure and security
● Financial sector- Barclays,Barclays UK & Lloyds
Highly experienced infrastructure and security manager with over 8 years of experience in the financial sector working with Barclays UK, Barclays International, Barclays Group and Lloyd’s Banking Group.
Savio Henriques
Technical Operations
● 13 years of BI and DWH experience
● Technical lead to many UK analytics teams
Over 13 years of experience in Business Intelligence primarily in the Telecom industry. Providing versatility in operational and technical leadership to reporting and analytics teams across the UK and Ireland.
Introducing The Advisors
Wyatt
Meldrum
Senior Marketing Advisor
Richard
Stebbings
Blockchain Development
Andrijano
Vujasin
Blockchain Expert and Experienced Cryptotrader
Joshua
Clow
Marketing Advisor
Maya
Johnny
Social Media Strategist
Timothy
Kingery
Marketing Advisor
Maria
St.
Berova
Communications
Edem
Vormawah
Web Development
Stephen
Ihme
The Penseth Company, Founder
Harendra
Patel
Key Investor Influencer
David
Bigglestone
Community Ambassador
Mohammud
Jaufarally
Accounting
OUR PARTNERS
Roadmap
Token Sale
August 2017
XCOYNZ Project Idea Conceived
December 2017
Market Research
March 2018
ICO and Whitepaper Research
August 2018
Whitepaper Development Complete
January 2019
ICO Website Development Complete
Finished
Pre-ICO (Seed Investment)
80% bonus on tokens purchased.
In progress until
25th Feb 2019
Crowdsale Phase 1
Running for 3 weeks. 50% bonus on tokens purchased.
26th Feb to
11th Mar 2019
Crowdsale Phase 2
Running for 2 weeks. 25% bonus on tokens purchased.
12th Mar to
18th Mar 2019
Crowdsale Phase 3
Running for 1 week. 5% bonus on tokens purchased.
April 2019
Token Distribution
From this date the investors will start receiving their tokens in their respective nominated wallet.
October 2019
XCZ Tokens on Exchanges
From this date the XCNZ tokens will be listed on at least 1 exchange. Further exchanges will also be sought for
listing.
Exchange Roadmap
Apr 2019 to Sep 2019
Phase 1 Development
Multi directional exchange features. User defined fees. Future orders.
November 2019
Phase 1 Deployment
January 2020
XCOYNZ Exchange Main Development Complete
Jan 2020 to Apr 2020
Phase 2 Development
Additional currencies.
May 2020
Phase 2 Deployment
July 2020
XCOYNZ Exchange Complete
Smart Algorithm Wallet (SAW) Roadmap
Apr 2019 to Sep 2019
Phase 1 Development
Offset network fee. Most profitable use of assets.
November 2019
Phase 1 Deployment
Nov 2019 to May 2020
Phase 2 Development
HODL predictions.
July 2020
Phase 2 Deployment
August 2020
XCOYNZ Smart Algorithm Wallet Complete
Payment Gateway Roadmap
Nov 2019 to May 2020
Phase 1 Development.
July 2020
Phase 1 Deployment
September 2020
XCOYNZ Payment Gateway Complete
Apr 2019 to Sep 2019
Phase 1 Development
Offset network fee. Most profitable use of assets.
November 2019
Phase 1 Deployment
Nov 2019 to May 2020
Phase 2 Development
HODL predictions.
July 2020
Phase 2 Deployment
August 2020
XCOYNZ Smart Algorithm Wallet Complete
Payment Gateway Roadmap
Nov 2019 to May 2020
Phase 1 Development.
July 2020
Phase 1 Deployment
September 2020
XCOYNZ Payment Gateway Complete
XCOYNZ DOCUMENTS
Documents
Frequently asked questions FAQS
Below we’ve provided some Q&A's on our business, or product and our ICO and some general FAQs. If you have any other questions, please get in touch with us (see Contact)
Blockchain is a distributed system that can maintain a
ledger of records or transactions. It uses cryptography
to secure and protect information from being
tampered with.
Ethereum is an open-source, public, blockchain-based
distributed computing platform featuring smart
contracts and it has a higher level of security.
A smart contract is a computer protocol intended to digitally facilitate, verify, or enforce the negotiation or performance of a contract.
When purchasing our tokens, the recommended mode for the Ethereum network is Gas=50 GW, and Gas Limit=100000.
You can purchase crypto using fiat through an exchange. If you want to ‘exchange’ your crypto with other crypto, then you need to use an exchange. If you want your money back in your bank account, you need an exchange.
The Pre-Sale is in place to ensure we have a great start and meet the highest of standards for things such as preliminary marketing and full compliance for all legal matters. In short, for a successful ICO.
XCOYNZ Limited is a UK registered company, based in London.
XCOYNZ is a platform that consists of 4 major
components,
1. XCOYNZ Exchange
2. XCOYNZ Smart Algorithm Wallet
3. XCOYNZ Payment Gateway
4. XCOYNZ Smart Card
We have the diversity in the Team as well as the business experience and drive to develop our vision from conception to launch.
Our Platform will be secured through multiple security features and systems specially tailored to prevent the risk of both internal and cyber-attacks. For security reasons, it is not detailed further at this stage.
A coin is a standalone cryptocurrency based on its own Blockchain and is only used as a means of payment. A token is developed and hosted on existing Blockchains and also has additional functionality. As XCZ has multiple uses on our Platform and has been developed on the Ethereum platform, it is therefore a token.
Know Your Customer and Anti-Money Laundering (KYC/AML) requirements will be fully applicable for every investor.
To be the platform of choice for everyone. Whether experienced in the cryptocurrency world or a newcomer, to enter this space and reap the benefits of repeat transactions with confidence, ease and with time and cost efficiencies.
We are serving the global market and have not set any restrictions. However, we have no control over regional regulations and restrictions.
XCOYNZ have a business plan, and a roadmap (see Whitepaper) that ensures the longevity of the business and platform, together with ensuring the sustainability of the token and platform.
Once we have developed the components in our Platform, the XCZ token can be used for numerous services on the Platform, offsetting costs and time delays. Our tokens will be available on our exchange as per our Roadmap.
Yes, our address can be found on our website.
For the main crowdsale, the minimum is 0.1 ETH and the maximum is 2,500 ETH.
They are held in our private wallet until the end of the crowdsale and will be deposited to your wallet within four weeks.
Yes! Each XCZ Token can be split down to 18 decimal places.
Anyone with a wallet address can receive XCZ tokens.
No, you will be able to exchange them once they become available on exchanges.
The XCOYNZ Platform is being developed using blockchain in order to avail and unlock discounts and bonuses when using the XCZ token on the XCOYNZ platform.
It is more than an exchange, it is a Platform with the benefit of innovative and unique features such as the XCOYNZ SAW, Payment Gateway and Smart Card. The XCOYNZ Exchange allows an Individual to exchange crypto to fiat, fiat to crypto and crypto to crypto with simplicity and almost no fees.
In the initial phase fiat currency transactions will be enabled in UK and other EU countries. XCOYNZ mission is to be a global exchange allowing transfers across all countries subject to local regulations. There are no geographical restrictions in exchanging crypto-currencies.
Our Platform will have multiple layers of security, one of which will be two-factor authentication for Individual Smart Algorithm Wallets.
The unique nature of the Smart Algorithm Wallet is such that it uses algorithms to provide strategic guidance where other wallets simply hold a single crypto asset. It combines multiple assets into a single entity but also has the ability to make recommendations on which of the components should be sold immediately or used to offset network fees and which should be held for long-term benefits (HODL). No other wallets provide intelligence in this way for maximising your profits and minimising network fees.
Can I connect my PayPal and/or other banks to the XCOYNZ Exchange?
ICO Crypto - is unique platform; that is secure, smart and easy-to-use platform, and completely disrupting the way businesses raise capital.
ICO Crypto - is unique platform; that is secure, smart and easy-to-use platform, and completely disrupting the way businesses raise capital.
ICO Crypto - is unique platform; that is secure, smart and easy-to-use platform, and completely disrupting the way businesses raise capital.
ICO Crypto - is unique platform; that is secure, smart and easy-to-use platform, and completely disrupting the way businesses raise capital.
