Info Memo Digital Aureus

1 Digital Aureus Based on ethereum , an ERC 223, peer to peer, secure decentralised verification network With focus on anonymity, Digital Aureus converts cryptocurrencies to any currency in real time. Paired with a credit card that can be used at every credit card acceptance point and ATM. According to CoinMarketCap data, an average daily amount of cryptocurrency traded in September 2017 exceeded 4 billion US dollars, and the market capitalization of cryptocurrencies is above 130 billion US dollars. Moreover, as the use of blockchain technology and smart contracts simplifies many procedures of traditional markets, it is the crypto-technology that will improve the major markets of the information age.

2 Consequently, today is the best time to join the crypto movement. The trend of increased usage of cryptocurrency as a payment instrument instead of traditional currencies is obvious. The cryptocurrency market is one of the fastest growing and promising markets in the world. The problem Users in the Crypto industry are facing different problems: They cannot use their crypto for every-day purchases when real time conversion is so complex. The Crypto market s volatility impedes its mass adoption for routine purchases. Customers don`t have a chance to convert cryptocurrency to traditional currency in a fast, simple and safe manner.

3 There are a lot of cryptocurrency exchange services, but the commissions are overvalued. Many require an exchange fee when buying/selling cryptocurrency on the exchange. Security: Recently, millions of people have joined the world of cryptocurrency; this makes them easy targets for cyber criminals. Usability: Users must use one service to exchange traditional currencies for bitcoin, then go to another website to exchange the bitcoin for other Cryptocurrencies. Plus, it charges 15% of commission for every time you convert. Traditional financial platforms have many weaknesses from identity theft to phishing, and within the systems there are many single points of failure.

4 Current traditional banking is too expensive, credit cards charge up to 3% on payments, bank wires can cost $50 dollars or more and remittances are charged on average 7 % of the amount sent. The Solution (DA) Digital Aureus (based on ethereum Erc223) proposes a solution: DA is a cryptocurrency that is connected to a physical credit/debit card you can use anywhere in the world just like your existing card. It will be easy to quickly transfer resources from one traditional currency to another, and more importantly, to crypto-currencies. With our real time conversion system, it will allow for genuine conversion results and make everyday spending in your own currency fast and easy.

5 Moreover, our fast conversion system (facilitated by blockchain technology and our platform that combines a secure back-end infrastructure with a highly understandable interface) will make sure to substantially reduce transaction costs. For ultimate usability we will have a simple sign-up process, instant access, direct payment processing and asset mobility, which will be defining features of our vision for the platform. The DA is partnering with more and more companies for card issuance, this will allow for more customers to use our currency and simultaneously will increase the security of the framework. Our strategic partnerships (Global Partner Network) are an instrumental part of our growth.

6 Our first partner; Mastercard, will allow our customers to use the physical card at every locations mastercards are accepted, which is at more than 36 million locations in over 200 countries. More partnerships will follow and will be announced for before launch. Anonymity; Our transactions are discrete and has a double protection system. Every transaction will be using a separate public and private key. Therefore, the transaction cannot be traced back and there is no insight into the balance in the wallet. Also, when purchasing coins, the only information nessesary is the public key and email address of the recipient. WHAT IS Digital Aureus ?

7 Digital Aureus (DA) is a fully anonymous cryptocurrency for everyday use backed by a physical and usable card. DA is ERC223 compliant and based on the ethereum system. The Digital Aureus network will rapidly evolve to include a marketplace and other integrations. The Digital Aureus MasterCard will allow for payment of any bills and make purchases around the world. The possibility to withdraw cash in ATMs all over the world is yet another advantage. Whereas the decentralised blockchain technology ensures the highest level of protection and transparency on the platform. Bonus; We are offering a bonus programme which gives you the possibility to earn 5% back for every purchase you make.

8 The stakeholder (Master Node) also receives 5% on every purchase and transaction of the community. Plus becoming an affiliate, will also reward you as a commission on the amount of coins bought through your own custom private link. ADDITIONAL OFFERS Credit Card ( Digital Aureus MasterCard) and ATMs. With our credit card it is possible to pay with cryptocurrencies at all MasterCard accepted points and withdraw money at any ATM. This revolutionizes and disrupts the existing conventional system. We believe in decentralization of cryptocurrencies, absence of control over cryptocurrencies by any central authorities. POWERED BY MasterCard Benefits are discount shopping and passive earning What is the Digital Aureus MasterCard and How can it be used The Digital Aureus MasterCard card is a revolutionary credit card that allows real time conversion from cryptocurrencies like Digital Aureus to Fiat currencies.

9 The card holder does NOT need to convert the cryptocurrency to Fiat before spending it. Cryptocurrency is converted in real time to Fiat currency directly at the time of payment. DA payment facilities, which include a physical and a virtual credit card, can be used in almost 200 countries at over 36 million points of acceptance as of today. This is possible as we have card issuance partnerships with major creditcard companies like Mastercard. Benefits for users Using the DA Card, customers will generate capital returns that DA will share with the users. Benefits for the Stake Holder Stakeholders prefers pay-outs. We are planning to implement a cryptocurrency that operates with a Stakeholder system that will generate returns for our users.

10 Stakeholders generate capital returns that DA will share with them. You get Stakeholder status from purchasing only EUR worth in DA coins during the crowdsale, after this the minimum threshold will go up to EUR. Each stakeholder will receive 0,5 % of the passive interests as pay-outs from the purchases or transactions made with the Digital Aureus Mastercard of the whole community from when all tokens /coins are sold. In addition, all stakeholders will get a discount of 5 % on their own purchase, paid out in Digital Aureus tokens or coins as long as tokens/coins are available. Benefits for the Customer Users of the DA MasterCard will receive 5% back from each of their own transactions / payments made with their card in the form of DA tokens (similar to how users are rewarded with air-miles).