Ceyron, digital token

Ceyron, digital token

The progress of the financial industry and blockchain has become questionable. For this it takes a token that can combine both. Ceyron Finance Ltd (hereinafter referred to as "CFL") intends to bring together the financial and technological expertise of the revolutionary blockchain. CFLs interfere with two different worlds: crypto and financial services. www.ceyron.io will be a cryptocurrency-based investment platform with cryptocurrency trading terminal, debit card capability and offer token backed by secure credit assets. The evidence from Ceyron is ... The token is something that can be used instead of money. The CEY Token is a token that will be given to investors (investors) and it represents a lucrative interest in a class apart from Ceyron's non-voting stock. CEY Token is a smart functional functional contract in Mutual Funds. The CEY Token is non-refundable This is not for speculative investments. Ceyron Finance Sarl (CFS), is a limited liability company incorporated under the Limited Liability Company ("Dana") and is wholly owned by Ceyron Finance Ltd. The CFL and IMF have signed an operation agreement to establish their rights. and obligations of each party. Sub-Funds will be managed and advised by Colombus Investment Management Ltd ("Investment Manager"). Colombus Investment Management Ltd, is one of the British Virgin Islands listed as an independent alternative investment management company specializing in alternative assets and global asset allocations. The Fund Manager will be responsible for the Mutual Fund business and will perform all services and activities related to the management of the Fund's assets, liabilities and operations. Investment objectives and strategies The investment objective of the IMF is to provide attractive returns on invested capital through an exclusive quantitative approach to underwriting credit assets, granted by Colombus Investment Management Ltd. The fund will follow the investment strategy based on science data. Nonparametric statistical models are applied to the expected profit problem in financial investment. The net profit earned by the Fund in a given month is usually reinvested, but some of the periodic potential benefits may be used to distribute annual dividends to holders of the CEY token, where such dividends are approved by the board of directors and shareholders of CFL shareholders. Tokens are protected by the loan portfolio due to less volatility and cash flow The loan assets portfolio will also be secured by bonds to improve stability and yield. Fund managers will use artificial intelligence and machine learning to build a secure asset loan portfolio. Blockchain technology provides effective liquidity for investors Blockchain technology has the potential to provide greater integrity, security, security and transparency. Thus, CFLs will use blockchain to ensure low-cost direct auctions of trade in the hope of providing greater liquidity to investors. Effective prepaid debit card Account holders can choose multiple crypts that can be used as an offer, and when starting a transaction (for example, dinner at a cost of $ 83.65), prepaid debit will be used, or the Holder may select supported cryptocurrency, which will then sold at a spot price to complete the transaction. Competitive costs Because CFLs will hold both cash and various cryptoes at all times, it will be able to facilitate the exchange of funds in crypto to facilitate transactions and enable CFLs to compete with Coinbase for services and fees. CFLs enter emerging markets The cryptocurrency market grew by more than $ 160 billion ($ 160 billion) last year. Financial giants and central banks are investing in blockchain technology. Big and small investors are looking for a more regular market that can benefit from the safety net and insurance coverage offered in the registered security market. Problems raised for developing countries Population of developing countries (Southeast Asia, Latin America and Africa) represents more than 2 billion people. Africa alone accounts for 1.2 billion people. It's young and dynamic: 60% are under 50. Banks are gradually adopting mobile banking to: 1) develop online banking services; 2) provide digital benefits to the parties to integrate millions of people into the formal financial sector; 3) develop merchant payment services. Low interest rates According to experts, more than 2.5 billion low-income and / or middle-income people are not tied to banks. Traditional agency models easily meet the needs of the poorest but no longer meet the requirements of the bank as a whole. The reason for low banking penetration is at two levels. 1. At the client level: most people have low or very low incomes, and therefore their savings capacity is low. While economic monetization has grown considerably since the 2000s, bank use has not been a part of spontaneous practice. The emergence and growth of large microfinance companies radically changed this situation. 2. At the bank level: excess bank liquidity is not an incentive for customers to grow. Low population density adds an average cost to the implementing agency. A very competitive market More than 75% of countries have most of the services where mobile money services are available. This increased competition means that consumers have more choices. Some subscribe to two or three services simultaneously. Very low usage rate Africa is the world leader in mobile money account 2% of adults have mobile money accounts in the world, 12% holders are in Africa. Every year, the number of mobile open mobile accounts has increased by an average of more than 40%. By 2020, the number of Africans with discretionary income - almost 450 million people - will be comparable to, if not higher than, Western Europe with an average growth rate of 20% per year. By 2020, there will be nearly 800 million people who have mobile money accounts. The result: nearly 10 billion transactions per day, worth nearly $ 135 billion by 2020. An average user behavioral behavior analysis seems to be a general trend: the withdrawal represents at least 60% of the transaction volume; peer-to-peer transfer operation 20%; 10% call time purchase, 8% payment and 2% savings. Pause shy through bank cards Holders of CEY tokens will be privileged to receive their annual dividends on their CFL cards. The lack of safe and unsecured credit for CFL credit applicants intends to solve problems in Africa where there is a lack of credit available to most applicants. Specifically, the dividends distributed to holders of CEY tokens will enable them to qualify for credit because dividends can be considered as sources of income. In Africa, there is a lack of stable and sustained income in terms of credit applications. CFL Credit Portfolio CFL Solutions Currently, 60% of US mortgages are owned by non-banks, up from thirty percent (30%) in 2013. More than four trillion US dollars in the US are available mortgages to select hundreds bank credit platform. Fund managers are responsible for approving solvency and risk associated with the platform and identifying credit profiles of issued assets, regulatory compliance with origin, volume, warranty, duration and level, quality of management and service. Fund managers will be responsible for selecting the best performing assets available on this platform for the CFL portfolio, as well as to purge the most risky assets in the CFL portfolio. CEY Card Investment Road Map CEY Card will become a physical, virtual and debit MasterCard with a mobile application that enables the use of twenty (20) foreign currency from one card. CFLs can save up to seventy percent (70%) for this cost. Currencies can be traded on both points of sale (the industry average is 3.75% versus 3% for CFLs), and also through applications. In addition, unlike the one and a half percent (1.5%) fee for ATM withdrawals, CFLs do not charge for ABM withdrawals. The mobile CFL application will contain additional features to transfer funds in currency between merchants, friends and family accounts, thus earning money at zero percent (0%). The CFL card plans to have partners for cost management. This will enable the integration of mobile applications to facilitate the management of travel travel and links to many travel partners for the management of electronic reception. In summary, CFLs will be developed to provide liquidity upgrades in one of the world's twenty (20) currencies as well as the main crypto currency. LCF and Blockchain Cryptocurrency (or cryptocurrency) are digital assets designed to serve as a medium of exchange using cryptography to secure transactions, to control the creation of additional units and to verify asset transfers. Cryptocurrency has been designed as a method for decentralized transactions with values ​​held in rare digital assets. This is most striking in societies where governments lose their money by hyperinflation. Currently, fifty percent (50%) of people in the world have bank accounts. By 2014, it is 62%, and cryptocurrencies take up more space among unaccountable people. Cryptocurrency has been designed as a method for decentralized transactions with values ​​held in rare digital assets. This is most striking in societies where governments lose their money by hyperinflation. Today, fifty percent (50%) of people in the world have bank accounts. By 2014, it is 62%, and cryptocurrencies take up more space among unaccountable people. The new kriptocurrency currency market operates for several years. The relatively large difference between fiat fiat prices of Bitcoin in different key markets illustrates the current level of industrial maturity. Blockchain technology is still young, but it has proven itself as a registry that can not be changed. Bitcoin is a sign that is speculative, and its value, like diamonds or gold, beyond industrial use, is entirely motivated by scarcity and assurances to holders that this property is unique and ready to trade. CFL CFL Security Token intends to provide, but does not warrant, token holders with annual dividends, which must be approved by the Board of Directors and the voting stockholders. CFLs intend to invest eighty-five percent (85%) of the funds CFL receives at the IMF, and the IMF will in turn invest in credit assets, seeking to create a stable cash flow. and grow. CEY tokens (cash flows can not be guaranteed and may be subject to market and regulatory conditions) CFLs intend to use simple leverage to further improve the rate of return of their loan portfolio to facilitate reinvestment and ongoing loan portfolio growth underlying the CEY token (higher rate of return either can not be guaranteed and may be affected by market conditions and regulations) CFLs will enhance their ability to build leveraged credit portfolios by providing warehouse lenders with credit guarantees. CFLs intend to withhold cash, securities and symbolic reserves at all times to ensure the liquidity of holders of CEY tokens (asset liquidity can not be guaranteed and may be affected by market and regulatory conditions). The CFL will enter into an alliance with the bonding service provider to be used to reduce the risk of total capital loss. However, the use of these financial instruments is not a guarantee against any possibility. Strategic Alliance The CFL strategic alliance is an established leader in blockchain, finance and banking technologies. CFL intends to sign a service agreement with Coinfirm.io regarding KYC / AML (Anti Money Laundering) control for each token holder application. Ambisafe is a pioneer in blockchain technology and ICO offers companies that help the world become more decentralized since 2010. Their work is critical in projects such as Tether and Bitfinex. Recently, Ambisafe is behind this success. Loyal Bank is a bank registered under the laws of Saint Vincent and the Grenadines. Market plan Initial offer of CFL coins The offer of a CEY Token in Saint Vincent and the Grenadines is based on the exemptions granted by the Securities Act. The CEY Tokens offered here (and non-voting shares of CFL Ltd. held by nomination holders) shall not be sold to other bidders in Saint Vincent and the Grenadines unless the terms of the FSA are respected. The CFL shall provide an offer memorandum to be prepared solely for use by a prospective CFL investor, to be issued by the CFL. The Offer Memorandum shall be prepared as part of a private offer to an accredited investor, to persons who will be required to verify their accredited investor status through questionnaires and other necessary documents, and others who respond to the terms of participation within their jurisdiction. Summary of its offer The Potential Bidding Mechanism Potential Investors will be required to provide personally identifiable information when creating an account at ceyron.io to participate in the sale. This information is intended to ensure compliance with various securities laws in the United States and foreign jurisdictions, as well as consumer knowledge (KYC) and anti-money laundering (AML). For US investors, they must meet the requirements of the "Qualified Investor" standard under Section 506 (c) of Regulation D Securities Act. An investor may indicate that he or she qualifies as a qualified investor by documenting and downloading documents on the ceyron.io website, as described in the following section entitled "Investment Participation". Participation in such offerings Offer to potential investors in the United States is limited to accredited investors in the meaning of Rule D of the Securities Act, ie only persons or entities falling within one or more of the following categories: Banks, as defined in paragraph 3 (a) (2 ) of the Securities Act, or any savings and credit association or other entity defined in section 3 (a) (5) (a) of the individual Securities Act or fiduciary; dealers listed under section 15 of the Exchange Act; an insurance company as referred to in Article 2 (13) of the Securities Law; any investment company registered under the Investment Company Act 1940 or a business development company referred to in section 2 (a) (48) of the Act; any small business investment firm approved by the US Small Business Administration under section 301 (c) or (d) of the Small Business Investment Act of 1958; a plan created and maintained by a Contracting State, a political subdivision or an instrument or instrument of a Contracting State or a political subdivision for the benefit of its employees, if the plan has a total asset of more than $ 5 million ($ 5,000,000,000)) and any benefit plan in meaning of the Employees Retirement Revenue Act, 1974, if an investment decision is made by the trustee in accordance with article 3 (21) of the Act, bank, savings and loan, registered associates, insurance companies or investment advisors, if the total plan assets benefit exceeds five million US dollars ($ 5,000,000) or, in the case of a self-regulated plan; Any private company development company referred to in section 202 (a) (22) of the Investment Advisory Act of 1940; Any organization described in section 501 (c) (3) of the Internal Revenue Code of 1986, as amended, corporate, Massachusetts or similar trust, or company not formed for the sole purpose of acquiring such shares, with total assets exceeding USD 5 million (USD 5,000,000); Every director or officer of the Company; Any individual who has net worth or net worth along with that person's spouse, excluding their primary primary residence value from other mortgage and lien payables, at the time of their purchase exceeding $ 1 million ($ 1,000,000). $); Any individual whose personal income exceeds two hundred thousand US dollars ($ 200,000), or a combined income of more than three hundred thousand dollars ($ 300,000) in partnership, for each of the last two years and which is enough to expect to achieve the same level of income for the year walk; Any trust whose total assets are greater than five million US dollars ($ 5,000,000) and which are not formed for the sole purpose of acquiring ordinary shares purchased by a sophisticated person described in Rule 506 (b) (2) (ii) Regulations D; or Any entity whose shareholders are all qualified investors To invest in this Offer, the investor must first create an account and register at www.ceyron.io. In accordance with section 506 (c) of the Securities Act, proof of accreditation status shall be invested. This can be accomplished during the account creation process by completing the accreditation process in one of three ways: Accreditation based on investor's income Accreditation by investor net asset Third Party Verification Letter Post requirements and transfer limits CEY marks are offered and issued to persons other than Americans States under Regulation S of the Securities Act. Each customer of the CEY token shall be deemed to represent, guarantee and accept the following: Either that: Qualified Investor (as defined in Rule 501 of Regulation D under the Securities Act); or not "US people" and obtain a CEY token in "offshore transaction" If the customer is a buyer in a transaction in the United States, you acknowledge that until the end of the lock-up period, you will not be allowed to offer, sell or transfer the CEY token and after that date, again authorized to sell or transfer CEY tokens to others in the United States unless they sell all of their CEY tokens to one person in the United States. If Customer is a buyer conducting transactions outside the United States pursuant to the Regulatory Rules, you acknowledge that you may not sell or transfer the CEY Token at any time to any US Person or to the account or benefit of the 'U.S. in the meaning of Rule 902 under the Securities Act. However, non-US persons may sell CEY tokens to other foreign investors in connection with overseas operations pursuant to Rules 903 and 904 of the Securities Act and may comply with applicable law. other areas of the CEY Token will not be sold to anyone with any other offers in Saint Vincent and the Grenadines unless the terms of the FSA are followed. Customer acknowledges that CFLs will not be required to receive registration of CEY Token transfer earned by the CFL, except when providing satisfactory evidence to the CFL that the limitations set forth herein have been complied with. Reporting and transparency for investors Statement of Net Asset Value The CFL Fund intends to issue the net worth of the Fund's assets on a monthly and quarterly basis on its website. Methodology to calculate net asset value NAV = (accumulated accumulated interest - accumulated net loss) / (total principal amount + total cash) Net asset value per CEY token will be calculated by dividing net asset value by the amount of CEY tokens in circulation at the date of calculation rounded to cent nearby. The number of CEY tokens in circulation is calculated as the number of CEY Tokens issued and outstanding, less the redemption made by the CFL. Token from Ceyron Use of the CEY token Fund product will be used to finance: RISK FACTORS General business risks In the event of an economic downturn, the company's business plans, overall revenue-generating and solvency capabilities can be risky. Companies in the start up phase are generally very risky and the possibility of any corporate failure business climate in general is possible. Specific business risks Investing in natural vehicles involves various inherent risks, which may result in: (i) loss of overall investor capital, (ii) investment returns below target, or (iii) lower than expected liquidity, among others . Credit risk There is no guarantee that IMF's investment objectives will be achieved and investors will not suffer losses. To reduce the risk of a significant credit loss, CFLs will take the appropriate loan loss provisions, which will be accumulated on each asset in accordance with our credit guidelines, which are typical financial institutions that invest in similar credit assets. . Portfolio Risk There is a risk that CFLs will not achieve the desired results. Coupons and yields for the maturity of the CFL Portfolio are critical to our ability to generate consistent dividends for our shareholders and to continue to reinvest our portfolio, thereby enhancing the enduring value of our portfolio and token. CFLs may not be able to achieve the desired level of debt on the portfolio at the cost of the desired debt. As a result, there is a risk of returning the net portfolio of investors will not be achieved. To the extent that CFLs intend to use senior financial leverage, risks to investors can be increased by ensuring senior senior assurance of assets in the portfolio. Token risk liquidity token CEY may not reach the desired level of liquidity, which will result in less liquidity than expected for investors. Regulatory Risk The failure of the CFL to obtain prior regulatory approval in the jurisdiction areas in which the company operates or the regulator's refusal to grant such authorization in the jurisdiction of operable territory may prevent the CFL from retaining or expanding its activities. In addition, changes to laws or regulations, including the application of licensing requirements, advertising, Internet or e-commerce new regulations (or changes to the application or interpretation of existing laws or legislation). The jurisdiction in which the CFL is currently in operation may require a CFL to cease its operation or alter the mode of operation in that jurisdiction. Such changes may also negatively impact our operations, financial condition, Privacy and data security All data provided to us is stored in a secure computing environment protected by a secure firewall to prevent unauthorized access. Companies control access so that only those who need access to data of investors who have access to it. All CFL team members undergo security training and are required to comply with a set of security policies, procedures and standards related to their duties. The CFL Management Team Advisory Directions Website: https://ceyron.io/ White Paper: https://ceyron.io/wp-content/uploads/2018/02/White-Paper-ICO-CEY-Token-UPDATED31012018. Data privacy and security All data provided to us is stored in a secure computing environment protected by a secure firewall to prevent unauthorized access. Companies control access so that only those who need access to data of investors who have access to it. All CFL team members undergo security training and are required to comply with a set of security policies, procedures and standards related to their duties. The CFL Management Team Advisory Directions Website: https://ceyron.io/ White Paper: https://ceyron.io/wp-content/uploads/2018/02/White-Paper-ICO-CEY-Token-UPDATED31012018. Data privacy and security All data provided to us is stored in a secure computing environment protected by a secure firewall to prevent unauthorized access. Companies control access so that only those who need access to data of investors who have access to it. All CFL team members undergo security training and are required to comply with a set of security policies, procedures and standards related to their duties. The CFL Management Team Advisory Directions Website: https://ceyron.io/ White Paper: https://ceyron.io/wp-content/uploads/2018/02/White-Paper-ICO-CEY-Token-UPDATED31012018. All CFL team members undergo security training and are required to comply with a set of security policies, procedures and standards related to their duties. The CFL Management Team Advisory Directions Website: https://ceyron.io/ White Paper: https://ceyron.io/wp-content/uploads/2018/02/White-Paper-ICO-CEY-Token-UPDATED31012018. All CFL team members undergo security training and are required to comply with a set of security policies, procedures and standards related to their duties. The CFL Management Team Advisory Directions Website: https://ceyron.io/ White Paper: https://ceyron.io/wp-content/uploads/2018/02/White-Paper-ICO-CEY-Token-UPDATED31012018.
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