√ Capverto - Banking for the Future - Tupai Lugu

Sunday, October 7, 2018

Capverto - Banking for the Future

Cryptocurrencies hold considerable promise in these respects. They do not require the complex infrastructure and  bureaucracy of traditionally centralized finance, nor do participants in their ICOs need to possess extensive financial histories or travel in person to any branch offices – both common barriers for unbanked individuals. Participation is often as straightforward as passing a few security verifications to open an online account, and it comes with the central benefit of fewer and lower transaction fees.

To date, digital currencies have gained traction by decentralizing and simplifying the financial tasks that once passed exclusively through traditional institutions and, in the case of payment card use, were costly because they required multiple parties to process. However, these projects have not yet specifically targeted the needs of the unbanked/underbanked.

Inclusive banking systems are engines of economic growth and poverty reduction. Without access to the full spectrum of banking services, unbanked populations must resort to outlets like microcredit networks and payday lenders to fulfill their financial needs, despite the high interest rates, steep fees and limited overall flexibility of such options. The unbanked need fairer, more flexible alternatives.

Capverto Exchange is a digital currency, based on a versatile utility token that greatly extends the basic advantages of cryptocurrency through a design directly addressing the needs of populations most frequently excluded from banking. It delivers a multifaceted bank-like experience, centered on a prepaid card, that is as easy to use as logging onto a fast, well-designed website. 

At the same time, the pivotal Capverto Token (CAP) at its core supports advanced features such as a cash back system, peer-to-peer (P2P) monetary exchange, a digital currency trading platform, and an innovative cryptocurrency insurance product. In the course of normal use, all of these features influence the underlying value of the CAP, distinguishing it a uniquely flexible amenity for the unbanked and underbanked.

Capverto Exchange is offering an ICO targeting the unbanked/underbanked, ensuring they have opportunities to harness the unique benefits of cryptocurrency. It bridges the worlds of fiat money and cryptocurrency by combining an international prepaid card program linked to innovative banking and trading features centered on the CAP utility token.

All Capverto Exchange features influence the value of CAP, meaning its price is a reflection of productive activities rather than uninformed speculation. Assets within Capverto Exchange may also be protected with cryptocurrency insurance.
Prepaid Card Program
CAPVERTO prepaid cards are bridges between fiat money and cryptocurrency. Each cardholder receives an amount of CAP utility tokens corresponding to the tier of the card purchased, starting at $100 for the basic blue card. Like a regular payment card, the CAPVERTO card can be used for in-store and online purchases, while up to 2 percent of every transaction is reinvested into CAP, influencing the token's value. There is also a full-fledged rewards system enabling direct discounts at affiliated merchants.

Secure P2P Lending and Borrowing
Capverto Exchange is a platform for secure and convenient P2P transfers. Instead of simply holding onto cryptocurrency and hoping it will appreciate, individuals and organizations can lend up to half the to-date value of their assets and collect interest on it. Annual interest rates are 8 percent and the amount is paid instantly to the lender. Meanwhile, borrowers benefit from not having to rely exclusively on traditional financial institutions.

Copy Trading Platform
Capverto makes it easy to follow and copy the trades and portfolios of others. Copy trading gives new participants an easy way to get started, while also affecting the value of the CAP token. Ten percent of the profit from each copy trade is automatically deducted and split between the original trader and Capverto Exchange, which in turn reinvests it in CAP. Together with the other influences on CAP such as the transactions from the card program, copy trading ensures the token's value accurately reflects productive activity on Capverto.

Cryptocurrency Insurance
One of the first offerings of its kind, Capverto cryptocurrency insurance product provides peace of mind that your valuable assets are as safe as possible from theft. Inspired as a response to the landmark breach of the Mt. Gox exchange in Tokyo, this insurance is offered through a partnership with RiskPoint. It functions alongside other protections including proof-of-address, KYC, AML, and 2-factor authentication to fend off a wide variety of cybersecurity threats.

Extensible Smart Contracts
Capverto offers an open source framework for building custom blockchain applications. Take a look at our GitHub repository today to learn how you can leverage our smart contracts to build private and permissioned public blockchains; Smart contract technology is at the heart of modern Cryptocurrencies, delivering the transparency, immutability and cryptographic security essential for an optimal experience.

ROADMAP
Q4 / 2017 The concept is born
Q1 / 2018 The concept is in development
Q2 / 2018 Private sale of CAP Tokens
Q3 / 2018 Public sale of CAP Tokens
Q4 / 2018 Security and performance test. Launch of the official Capverto Platform
Q1 / 2019 Launch of app to iPhone and Android
Q2 / 2019 Launch of Whitelabel solution
Q4 / 2019 Launch of Merchant payment solution

Detail Token :
Token : CAP
PreICO Price 1 CAP = 1.66 USD
Price 1 CAP = 1.82 USD
Platform : Ethereum
Accepting : ETH, BTC, LTC, FIAT, BCH
Minimum investment : 100 USD
Soft cap : 6,200,000 USD
Hard cap : 20,000,000 USD

PRE ICO Finished
Last price $1.66 per token
Hardcap: 1,125,000 CAP
PUBLIC ICO Launched
Current price $2.42 per token
Hardcap: 171,375,000 CAP
As an initial coin offering (ICO) designed specifically for the unbanked, CAPVERTO bridges the worlds of cryptocurrency technology and fiat money. It leverages a versatile utility token — CAP – in tandem with an international prepaid card to deliver a highly accessible yet technically and financially sophisticated experience. The end result is an easier on-ramp for everyone into the world of trading and transacting with digital currencies.

The cryptocurrency space as a whole is rapidly maturing in the same direction, with one USD- backed project even receiving regulatory approval from the New York Board of Financial Services in 2018.

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