Paymentcoin Cryptocurrency Whitepaper - Bitcoin Meets MPESA

1. AYMENTCOIN AN EVOLUTION IN CRYPTOCURRENCY O V E R V I E W W H I T E P A P E R

2. THE RISE OF CRYPTOCURRENCIES The global rise of cryptocurrency represents a major T R I L L I O N D O L L A R O P P O R T U N I T Y transformation of how people store and transfer value. Cryptocurrencies took less than 10 years to become popular, 420 000 000 000 compared to hundreds of years for paper money. Currently, less than 10% of money exists in physical form. The majority of money is simply a digital balance in a bank. Source: coinmarketcap.com The market capitalization for cryptocurrency The concept of money is undergoing change for the first time exceeded $420+ billion in early 2018. A multi- in hundreds of years. The Internet freed information to the trillion dollar opportunity exists with mainstream global population; and likewise cryptocurrencies will give adoption. people more direct control over their finances. 2018 2009

3. PAYMENTCOIN IS A REAL CRYPTOCURRENCY PAYMENTCOIN is a modern digital currency based on the P E E R - T O - P E E R D E S I G N best cryptography and designed to work securely over the PAYMENTCOIN is completely decentralised. Internet. It is built on Bitcoin and offers high levels of security, There is no central bank issuing coins and there privacy, stability and speed. is no payment processing company validating transactions. PAYMENTCOIN is a fully working payment network. It enables anyone on the planet to send digital money instantly, without the involvement of third parties such as banks. Any- BANK one in the world can use it today with around 2.5 million coins C E N T R A L I S E D in circulation and increasing. (Source: blockexplorer.info) D E C E N T R A L I S E D NO BANK OR THIRD PARTY

4. WHAT IS SO SPECIAL ABOUT PAYMENTCOIN? PAYMENTCOIN is part of a wider solution ecosystem. The U S A B I L I T Y D R I V E N R O A D M A P usability driven roadmap makes PAYMENTCOIN special. PAYMENTCOIN will merge cryptocurrency with real world M-Pesa style usability. Currently less Most crypto-currencies have been developed as technology than 1% of the population have access to crypto- projects and have not prioritised usability. PAYMENTCOIN currencies. A breakthrough app will lead to mass prioritizes simplicity and usability over everything else. The adoption. early Internet reached mainstream adoption due to Netscape Navigator; PAYMENTCOIN will build an equivalent application 100 that will do the same for cryptocurrencies. 75 50 25 0 2015 2017 2019 2021 2023

5. MAKING MONEY AS SIMPLE AS SENDING AN EMAIL SECURE LOGIN SELECT ACCOUNT SEND / RECEIVE

6. T I M E L I N E HOW WE STARTED INITIATION 2016 Project team formed and feasibility analysis conducted. Funding raised. DEVELOPMENT 2017 CORE development based on phase one requirements via analysis of 250 altcoins. PUBLIC LAUNCH 2018 PAYMENTCOIN launched including website, digital wallets, blockchain, pooled mining and trading.

7. T I M E L I N E FUTURE DIFFERENTIAL CRYPTO NAVIGATOR PAYMENT PORTAL SOCIAL TRADE Breakthrough design and concept Web based payment channel Peer to peer marketplace Simplification for mass adoption People to people payment Buy-sell goods and services 2.7 billion mobile users by 2019 Social cryptocurrency use Corporate payment transfers Runs on existing infrastructure Simplified smart contracts Micro-payment subscriptions NOTE: Limited information will be released on these developments to maintain a competitive edge.

8. M A R K E T D A T A PAYMENTCOIN OPPORTUNITY 420+ 30 billion dollars million users Crypto Market Cap Active Bitcoin Wallets $ Multi Trillion Cryptocurrency Opportunity 2020 25 1870 million users global users Active M-Pesa Accounts PAYMENTCOIN Wallets Source: coinmarketcap.com, wikipedia, bitcoin.org, finextra.com

9. C O N C L U S I O N REBUILDING THE FINANCIAL SYSTEM. DECENTRALISED PEER-TO-PEER BANKING. 87.5 70 52.5 35 Many cryptocurrencies have been created since Satoshi Nakamoto created Bitcoin. However most have deviated from 17.5 the original fundamentals. The PAYMENTCOIN team fully understand the original vision; while able to apply new ideas 0 2017 and innovations. 2018 2019 2020 The PAYMENTCOIN teams unique insight into crypto-tech and banking will help shift to a new global financial system. Projected milestone roadmap Designed and optimised for everyone (over 7 billion people).

10. 06 MAY 2018 BLOCKCHAIN Block Height:  39,863 Transactions:  35,117 Coin Supply:  2,413,100 Coin Maximum: 84,000,000 Coin Emission:  2.8727 % www.podbitcoin.com Recommended reading: https://bitcoin.org/en/bitcoin-paper ; https://s3.amazonaws.com/gavinandresen-bitcoin/GavinAndresenCIATalk.pdf

11. W H I T E P A P E R DISCLAIMER P O W E R P O FO D D E C E N T R A L I S A T I O N This whitepaper is for discussion and information purposes only, provided as a courtesy. The information contained herein is subject to change, and no part of this document is legally binding or enforceable. NO INVESTMENT ADVICE. The information provided in this whitepaper does not constitute investment advice, financial advice, trading advice, or any other sort of advice and you should not treat any of the content as such. www.podbitcoin.com does not recommend that any cryptocurrency should be bought, sold, or held by you. Do conduct your own due diligence and consult your financial advisor before making any investment decisions.