PLATFORM WHITEPAPER - Cashaa

1 The next generation banking PLATFORM for the next billion PLATFORM WHITEPAPER Version: Author: Kumar Gaurav Contributors: Alex Norta, Mikko Ohtamaa, Celestine Vettical Copyright 2017 @ Cashaa Limited Content 1. Executive Summary3 2. The Cashaa : The next generation banking PLATFORM for the next billion4 3. Cashaa Beta Launch: Remittance & Trading7 4. Design Approach10 Ecosystem11 Blockchain Technology12 5. Products13 Wallets13 Physical & Virtual cards13 Micro Lending14 Peer-to-peer exchange (Beta Tested)15 Peer to Peer Insurance (Future)16 6. Key Milestones accomplished17 7.

2 Public Appreciation18 8. Future Roadmap and Business Growth Model20 9. Go to Market Strategy21 Strategic Partnerships21 Legal, Auditing and Regulatory Partnerships21 10. Cashaa Tokens and Token generation Event22 Token Functionality23 Benefits of CAS token23 Acquiring tokens23 Spending tokens23 Governance mechanism25 Token Summary25 Token Sale and Distribution Roadmap25 Token Distribution27 Token Availability & Vesting Period27 Use of Proceeds from Token distribution29 Token Support32 Assurance32 Copyright 2017 @ Cashaa Limited 1. Executive Summary Theglobalfinancialcrisisrevealedsignific antweaknessesintheexistingfinancialsyste mandsomeofthe ,moneylendingacross 1internationalbordersisstillverycomplica ted, 23ontraditionalbankingchannelsareslowand fullofintermediaries,higherexchangerates ,counter-party risks, bureaucracy and extensive paperwork.

3 Benefitsoftheglobalfinancialsystemiskeyi nordertoprovideasustainablesolutionforth eirfuture ,itturnsoutthatconsumersandbusinessesare strugglingtoleveragethe benefitsoftheBlockchaininfrastructuredue topoorusability,noncustomercentricapproa chand improper legal implementation. Cashaabuiltitsinfrastructureontheblockch ainandutilizes artificialintelligencetopowermainstream empowersthebankedandunbankedpopulation,f acilitateslowcost currencyexchanges,enablesparticipationin theglobaleconomyanddevelopsthenewoutlook forthis communitybyusingopenarchitecture .Insteadofrebuildingorridingontherailsof archaicbanking infrastructure,webuiltCashaatoallowconsu meradoptionofcryptocurrencies,whichletpe oplemove moneyastheywishatlowcostandhighspeed,wit houthavingtounderstandthetechnicaldetail sof crypto and blockchain technology, thereby making it user friendly, secure, and affordable.

4 Thiswhitepaperfillsthegapbetweentheexist ingfinancialsystemandemergingnon-userfri endly technologiesbypresentingasecureandsimple waytousepaymentsandbankingarchitectureth ataims presenttheadvantagesoftheCashaasystem,ou tliningitsrequirementsandgoals,alongwith the ,wepresenttheresultsof Cashaa susecasefora remittance and trading system that involved over 12,770 registered users from 141 countries. 1 GDP growth (annual %) 2 What are the remittance fees worldwide? 3 Lending interest rate (%) 4 What`s wrong with Banking and what to do about it 5 THE GLOBAL FINDEX DATABASE 2014 6 Three Quarters of The World s Poor Are Unbanked Copyright 2017 @ Cashaa Limited 2.

5 The Cashaa : The next generation banking PLATFORM for the next billion TheCashaateamisbuildinganextgenerationmo delforfinancialserviceswhichisbasedonblo ckchain technologyandartificialintelligencewhich willempowerdeviceswithbiometricidentific ationsystemsto solve the problems of the existing financial system for the unbanked as well as banked population. 7 Problem 1: Havingatraditionalrailinfrastructure,whe removingmoneyrequireshugeprocessingeffor tsincludes , 8 CHIPS,SWIFT,consumercardpaymentnetworks, NSCC/DTCC,OCC,ACHandmanyothers 910111213depending on countries. 14 Problem 2: Therecentemergenceofcryptocurrencytokens showedasilverliningtosaveusfromthelegacy systems.

6 However,itturnsoutthatagrowingnumberofus ersandbusinessesarestrugglingtoleverageo nthe synchronizationproblemsamongstmultilater alagreementsbetweenanetworkofparticipant s,butit seemsthatthesemultipleblockchainsarenowg ivingahardtimeto realusers andhavebecomea 15basedsolutionslacktheworkflowneedsofsm allandmediumsizedenterprises,andtheappli cationsare not addressing the average consumer's issues and not providing legally compliant solutions to their users. Vision: blockchain-basedpaymentssystemaimstolowe rfinancialinclusionbarriersandprovidefin ancialservices 7 Using Fingerprints to Bank the Unbanked 8 Federal Reserve Bank Services 9 The Clearing House 10 SWIFT - The global provider of secure financial messaging services 11 National Securities Clearing Corporation 12 Office of the Comptroller of the Currency 13 Automated Clearing House 14 SWIFT, CHIPS, ACH, Fedwire and 15 The 6 Major Hurdles for Blockchain Adoption Copyright 2017 @ Cashaa Limited onarobustAIdrivenblockchaininfrastructur ewhichcanmakethelegacysystemobsolete.

7 Thuscreating value for the world. Cashaa is based on 4 foundational principles: : Cashaa 'sdigitalandtransparent servicesarenotonlyattractiveforthebanked population,buttheycanalsodeliverfinancia linclusion ,therebycreatingaunique cross-border PLATFORM which can serve the entire population. :Sendmoneyacrossbordersquickly,forasmall flatfee- afractionofthecurrentcosts,whichtodayona verageare7%.Ourindustry-leadingtechnolog yplatform 16poweredbyourtradersnetworkcanprotectyo urmoneyandofferbestforeignexchange(FX)ra tes 17every time you utilize Cashaa . : Cashaaproductscanenableitsuserstoaccesst he greater portfolio diversification with higher yields.

8 : CreatethenextgenerationDApptosolvethe world' artificial intelligence services will accelerate the growth of digital innovation. Team: Ourteamiscomprisedofthebest,brightestand mostpassionatepeopleintheindustrysharing thesame 200 YearsofPaymentsandBankingexperiencewhich isledbysuccessfulentrepreneurswhobuiltth eir companies from scratch which are now part of Fortune Top 15 companies in the world . Proventrackrecordsofourteammembersgiveus legalandregulatoryunderstanding,domainex pertise, suiteexecutivesfrom Fortune100technologyandfinancialservices companiesandfrom leading educational institutions.

9 Kumar Gaurav has received extraordinary status (O1) by the United States Government, is the Chairman of Auxesis Group , an international speaker who ranks among the Top 100 Blockchain Influencers in the world , also founded Darwinsurance (Acquired by Esedra) backed by AIG , and is an advisor to many incubators & startups. CelestineVetticalwasfounder&CEOofPerfomi xwhichwasacquiredby BakerHughes,GEcompany . VPBakerHughes,VP Cognizant .WorldwideDirector Microsoft ,Director SAP .Co-Inventorofself-service mailing machines located in US Post Offices. Co-founded Paymetric (SAP Partner) . 16 Western Union charged $29 to send $137 to Nigeria.

10 17 What is Forex? 18 NEWS WIRE: Offshore Microfinance The Only Legitimate High Yield Investment Program? Copyright 2017 @ Cashaa Limited DominicMeloisChiefPaymentsofficeratCasha aandanexperiencedpaymentsprocessflowdesi gner EuropeanE-MoneyInstitutions andpaymentslicensesfor South American countries. authorofwidelyacclaimedbooksincluding TheFutureofMoney,MoneyandSustainability ,and New MoneyforaNewWorld . ArchitectoftheEuro whilehewasattheCentral Bank of Belgium. Businessweek named him the world s top currency trader in 1992. JaninaLowiszhasbeenpopularintheindustrya sBlockchainGirl,workedasblockchainanalys tfor Top100 GlobalBlockchainInfluencer , blockchain speaker and model.