FIBREMONEY · The probable appreciation of FIBREMONEY motivates customers to save their tokens instead of redeeming them for purchases, also reducing the number of tokens in circulation

FIBREMONEY WHITEPAPER "The first step is to establish that something is possible; then probability will occur."

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CONTENTS

INTRODUCTION ...................................................................................................................................... 3

What Is Fibremoney ............................................................................................................................... 4

Why Fibremoney .................................................................................................................................... 8

The Cryptocurrency World ..................................................................................................................... 8

The Problem ......................................................................................................................................... 10

The Solution .......................................................................................................................................... 10

Team ..................................................................................................................................................... 11

Our Mission .......................................................................................................................................... 12

FIBREMONEY Token ............................................................................................................................. 12

FIBREMONEY Tokens will : ............................................................................................................... 13

FIBREMONEY Tokens will NOT:........................................................................................................ 13

Token Sale............................................................................................................................................. 14

Token Utility. ........................................................................................................................................ 14

KYC ........................................................................................................................................................ 15

Legal Considerations ............................................................................................................................ 16

FIBREMONEY services have legal considerations including: .......................................................... 16

Online Marketplace .............................................................................................................................. 17

Fibremoney Financial Services ............................................................................................................. 19

Loan Program: .................................................................................................................................. 19

Savings Program: .............................................................................................................................. 20

HODL Program: ................................................................................................................................. 20

Merchant Rebate Program: ............................................................................................................. 20

FIBREMONEY Payment Gateway ......................................................................................................... 21

FIBREMONEY Fiat Gateway .................................................................................................................. 23

FIBREMONEY Broadcast ....................................................................................................................... 24

Welcome to the Smart Economy ......................................................................................................... 24

Linking to the Fiat Economy ................................................................................................................. 25

Balancing Decentralization .................................................................................................................. 26

Crowdfunding ....................................................................................................................................... 27

How to participate in ICO? .................................................................................................................... 28

Find us ................................................................................................................................................... 28

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INTRODUCTION

Over the past several decades there have been a number of macro-economic events that have fundamentally changed the way that society operates. The Digital Revolution changed the way we treat data and computation. We saw the rise of the modern internet in the Dot-com boom and more recently we’ve begun to experience the Internet of Things. Cryptocurrencies and blockchain technology are now making way for the “Internet of Value” and Fintech companies are paving the way to a decentralized, unencumbered financial future. FIBREMONEY aims to create a people-powered cryptocurrency services company to demystify blockchain technology and break down traditional barriers to entry by removing obstacles for consumers and businesses that have existed for decades. FIBREMONEY’s Mission is to make the cryptocurrency market accessible and trustworthy to the average user, accelerating adoption of blockchain technology and democratizing ownership of cryptocurrencies and traditional financial assets. By allowing the average participant to easily and safely purchase cryptocurrency and other financial assets, and have an environment to learn and socialize with others. FIBREMONEY helps make the new economy easy, safe, secure and accessible to everyone. We hope to synthesize many of the needs of the new economy into a single, user- friendly ecosystem. If we want to truly unlock the transformative power of blockchain, cryptocurrencies and the waves of disruption that will be left in their wake, it’s critical that we build for accessibility now, not later. If the new economy becomes the domain of a privileged few, and continues to perpetuate the same inequities as the old one, then its vision for the future will have failed. The world is ready for a new financial future. At FIBREMONEY, we’re going to build it.

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What Is Fibremoney

Fibre Money is a global P2P exchange platform. It allows users to quickly and easily

convert crypto currencies into desired currencies and vice versa. We created

Fibremoney to overcome market problems that exists in the global crypto currencies

market.

In the majority of countries around the world individuals are not able to quickly and

conveniently convert crypto currencies into widely accepted currency. While some

exchange platforms are available, most lack the scale and offer unsophisticated tech

solutions that are challenging and complicated to use, and most important TIME

CONSUMING.

In contrast, Fibremoney will provide individuals a reliable and convenient platform to

quickly buy or sell currencies with help of the most popular payment methods for the

currency available in the country of his/her residence.

Cryptocurrencies that will be available for the exchange – Bitcoin, Bitcoin Cash,

Ethereum and Litecoin with later envisioned addition of Monero and other altcoins.

Fiat currencies that will be available for the exchange- AED, USD, AUD, CAD, GBP,

EUR, INR with later envisioned addition of other currencies.

FIBREMONEY will make use of mobile number association with Fibremoney wallet.

KYC procedures to provide greater reliability. Certainly, the individual customers of

our participating merchants will be glad with this type of approach.

When all securities measures are met, the acceptance and general power of

cryptocurrencies will grow at a much higher level.

At FIBREMONEY, we believe in the synergy of E-commerce and peer-to-peer industry

with the greater potentials of blockchain technology. FIBREMONEY boasts a platform

that allows exceptionally quick fiat-crypto transactions.

The present situation where we experience slow speed of transaction and high

transaction cost can't be adopted in most e-commerce, Manufacturing and retail

stores. FIBREMONEY will change the way we transact. FIBREMONEY enables our

participating merchants to receive their payments instantly. As transactions our

confirmed on blockchain before being paid to merchant, the need to hold merchant

funds is no more needed.

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It is very essential, at least in the global business environment, to receive any

payment as soon as possible. Our platform will replace receiving time of your funds

from days or week to within reach of seconds.

Particularly when the transactions need to be done by faraway bank locations, some

gateways used by most of the payment processing systems might delay the time of

receiving your funds by 1 to 2 weeks.

A perfect instance would be a simple e-commerce store where our participating

merchant sells trending electronics and phone gadgets.

Once a customer buys and pays for any product from our participating merchant, the

funds will be transferred immediately to our merchant. No uncertainty regarding the

payment gateways, no delay, fraud or problems inherent in international

transactions.. It only takes seconds for the transaction to be confirmed by the

merchant, buyer, and FIBREMONEY; making it fast and transparent.

“Adam wants to buy a IPhone worth $900 for $810 on Amazon. He purchases

FIBREMONEY using his ETH/BTC/LTC of $830 value (extra $20 for market

irregularities to not be on the shorter side). He searches the product on Amazon using

Fibremoney.com interface and completes the payment using his FIBREMONEY wallet

while Amazon gets paid in their desired currency. “

Presently, there are obvious challenges when it comes to businesses selling not as

much production as they can in one go.

Therefore, all the funds needed to fuel the business growth are trapped in the

complicated and fraudulent layers of the financial middlemen. This means that the

small businesses are plagued and they only have to borrow to stay in the competitive

global marketplace. In order to make our platform easy and convenient for all our

Users, we have simplified the processes to reduce the long and unnecessary

payments processes inherent in the traditional payment industry.

These processes are:

✓ The participating user- merchants with their different online/offline stores get

connected by the FIBREMONEY AI system by integrating it into their

respective database.

✓ The AI carries out all the needed token processing through the FIBREMONEY

platform.

✓ Because of the limited token cap and continuous issuance of FIBREMONEY

token, the value of FIBREMONEY may increase as more and more join the

platform.

✓ The participating merchant has an option to get paid in Fiat-Crypto currency

depending on his/her choice.

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✓ The participating merchant/users earns rebate/cashback if he accepted funds

using Fibremoney payment gateway.

✓ The participating merchant receives funds instantly.

✓ The participating merchant receives monthly rebates for using Fibremoney

wallet as their business account.

The probable appreciation of FIBREMONEY motivates customers to save their tokens

instead of redeeming them for purchases, also reducing the number of tokens in

circulation. The desire to develop a synergy of increased cryptocurrency value and

efficient crypto-payment platform is one of the primary visions that birthed

FIBREMONEY.

The general acceptance of crypto currency in the retail and e-commerce industry also

compliments the idea of developing a platform that offers a safe, secure, and instant

crypto-payment service. These desires make it easy to be part of this growing

community.

Using the FIBREMONEY you will be able to make payment at your favorite places and

enjoy the benefit of discounts using cryptocurrency.

All the transactions will be stored in your secure wallet. Furthermore, we will also

provide the most efficient and cost-effective crypto-payment solution for our

participating merchants and User’s.

This solution which begins from every cryptocurrency token holder and ends at any

of the biggest industry is amazing and unique. FIBREMONEY aims to provide fast and

smooth payment and sales services. This could only be feasible by minimizing as

many layers as possible in the payment & “factory to retail” phases; one of the

problems FIBREMONEY seeks to solve.

A stable cryptocurrency is a coin whose price is kept within a certain range with a set

of financial mechanisms and algorithms. Stable cryptocurrencies are the solution

enabling merchants to enjoy all the advantages of blockchain technology while

keeping away from losses caused by major price fluctuations.

Existing solutions employ various means to maintain stable prices of their crypto

currencies. DigixDAO backs every DGX token with an equivalent amount of gold

physically stored in a Singapore vault. For that reason, the token’s price correlates

with the price of gold. ChronoBank creates its own labor market where each LH

token is pegged to the average worth of a work-hour. Tether tokens are backed with

U.S. Dollars kept on a private company’s bank account. MakerDAO maintains a stable

price of its DAI tokens with a complex red-tape system hardly comprehensible for

those lacking profound cryptocurrency savviness.

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In our opinion, the existing projects all feature several fundamental flaws. They’re

either pegged to an unstable asset, and therefore can’t be considered currency with

stable and predictable purchasing power; or backed by an immovable asset,

promising some predictable profit to their investors, lack transparency and therefore

are of no interest for traders and investors while making it too hard for an average

user to assess their price growth, adaptability & usability.

FIBREMONEY offers an innovative solution which creates an autonomous financial

system that meets the demands of all. Thanks to its unique features, FIBREMONEY is

a multi-purpose tool equally useful for trading, long term investment, and routine

financial operations. Traders, whose speculations often tend to destroy

cryptocurrency ecosystems, have a constructive role in the FIBREMONEY’s system.

Encouragement of trading activity will become a tool that the coin’s autonomous

algorithm uses to keep the token’s price within a certain range.

Controllable price surge over time will make the coin a profitable asset for investors.

Finance services which is the second volatility control tool in FIBREMONEY, meets the

strategy of short-term, long-term investment and everyday users.

Finally, thanks to price predictability, easy conversion and high-speed transactions,

regular users and online/offline retailers will be able to use FIBREMONEY as means of

payment and value storage. FIBREMONEY excludes exchange losses, service

payments and wait time.

FIBREMONEY tackles the issue of high volatility by automatically regulating demand

and supply at its internal exchange. To do that, it offers programs that encourage

coin holders to buy sell or keep their assets depending on the balance of supply and

demand at the given time. These programs resemble activity of central banks that

maintain the cost of their national currency.

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Why Fibremoney

Fibremoney is a secure and decentralized cryptocurrency, built wіth a focus on

helping users/investors to get what they want with their cryptocurrency.

We provide all in one platform which includes Travel portal, E-commerce portal,

Professional services, Loan’s and Insurance portal, Freelancer portal, Merchants &

Traders portal and services, Agriculture & Industrial equipment portal & services,

Supermarkets & Malls portal, Fiat-Cryptocurrency exchange, Automobile industry

portal and services , Food and Manufacturing Industry portal and many more to

come.

Customers will have a option to pay using Traditional and Cryptocurrency both. It is

the best solution for those who want to keep their financial privacy and also want to

become a successful investors in this world of Crypto. Instant transaction all around

the world by the FIBREMONEY network, they are totally safe, secure аnd they don't

require any additional fees.

Fiat currencies are assigned to specific territories while FIBREMONEY is bound to the

internet and therefore is worldwide by default.

The Cryptocurrency World

The Cryptocurrency World Is Divided Into 2 Sets of People.

First are investors or people with short –term / long-term investments in crypto

currency in order to quickly make the profit from exchange margin.

Second are users or those using crypto currencies for routine economic activities like

remittances, purchases, etc.

We believe that second users are quite an important group as they make the crypto

currency sufficiently liquid but the existing crypto currencies hardly meet their

demands. Due to the lack of merchants and service providers this causes the number

of short-term and long-term investors to grow slowly because of minor involvement

of crypto currencies in the real economy.

The lack of long-term investors not interested in exchange gambling, in turn, enables

traders to manipulate currency’s exchange rates thus aggravating its volatility. This

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vicious circle prevents any crypto asset from becoming an established means of

payment. There are many risks associated with the present payment industry; even

with bank cards.

A countless number of scams and phishing schemes can easily be carried out with

most of the centralized payment networks as they are presently. Online stores

worldwide sales in 2017 were USD 553 billion and are projected to increase to USD 4

trillion by 2020.

E-commerce share of retail sales is expected to increase from 10.4% to 44.6% by

2020. Furthermore, according to Statistics, the number of people buying goods or

services online will increase from 1.46 billion to above 50 billion by 2020 due to

revolution in mobile technology. Despite the explosive growth majority of them do

not accept cryptocurrency.

Today, merchants don't accept payments in crypto currency which has reached a

market cap in billions. Moreover, a totally new digital asset class is being created:

tokens of products that are built on the Ethereum platform. It is expected that 10%

of global GDP will be generated on blockchains by 2025. Merchants will definitely

want to participate in the blockchain created economy.

Despite having a wide variety of different payment gateways and processing

companies, the following major problems still exist for merchants and individuals:

Transaction settlements are costly and complex which take up to weeks to accept

and settle transactions.

There are different type of fees including a transaction fee of between 2% to 6%, and

a chargeback fee of USD 20. Unbearable cross-border transaction fees. Long

transaction times ranging from 2 days to several weeks, for money to be credited. E-

commerce payment processors often hold merchants money for a week due to

higher probability of chargeback during first week after purchase. Mobile payment

solutions are fragmented and not available universally or simply not easy to use

despite a strong consumer appetite to leverage them. Payment processors rarely

offer a simple solution for a merchant to accept mobile payments. Converting

cryptocurrency to fiat currency and vice versa takes up to 7 days making it difficult to

liquidate funds hence making cryptocurrency difficult to accept in our day to day life.

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The Problem

Recently, millions of people have joined the world of cryptocurrency. Therefore,

mоѕt of them are unfamiliar with the problems that surround this complex, but now

profitable, sphere of cryptocurrencies. This makes them easy targets for cyber

criminals and cyber thieves. To solve this problem, we need a system that can safely

store assets, but іn a more convenient wау, and facilitate the cryptocurrency

utilization with easing the exchange from crypto to fiat currencies, Also to be more

acceptable by more businesses, as businesses still do not accept cryptocurrencies as

payment fоr thе provided services.

Since the digital currency mаrkеt is quite new, it does not have simple technology

solutions for currency exchange operations yet. More often users have to use one

service to exchange fiat for Bitcoin, go to another website to exchange bitcoin for

other cryptocurrencies. In order to exchange them back into fiat users need to visit

numerous websites and perform multiple transactions. Furthermore, it charges

commission on each transaction and for wire transfers.

In today’s generation, technology seems to be taking over our world and it won’t

stop.

The Solution

Best of all, the disruptive technology known as blockchain is trending upwards and

massively adopted by some individuals, groups, businesses and corporations around

the world. Most recently EXPEDIA the giant in online travel industry started

accepting Bitcoin as payment method. As a result, some of them are taking

advantage of the disruptive blockchain technology in creating successful projects to

benefit developers, investors and product users in the form of initial coin offerings

(ICO). Not only that, some traditional stock traders are shifting to cryptocurrency

trading and enjoying more profits than ever with the rise of Bitcoin and other

cryptocurrencies in the market.

With thе wider acceptance of blockchain and its innovative financial solutions,

cryptocurrencies are closer to being recognized as “MONEY” more than ever. After

all, it has all the features of what is accepted as “MONEY”. However, when it comes


to the usability / adaptability characteristic of “MONEY”, cryptocurrencies face a

serious chаllеngе.

Our vision at FIBREMONEY is to solve the “difficulty to spend” not only to spend, but

to know the right basket to put the orange to which is the main problem wіth other

cryptocurrencies and transform it to widely recognized and accepted form of

“MONEY”. We seek to solve this usability / adaptability issue by combining our

payment solutions with our online marketplace which indeed connects online /

offline merchants to suffice all needs at one place.

Team While this is a massive vision, FIBREMONEY has an experienced and enthusiastic team and community who are ready to make this vision a reality. The FIBREMONEY team brings together a unique collection of experts across cryptocurrency, financial services, distributed computing, mobile technology, E-commerce services, Travel industry, Automobile industry, modern marketing and many more to join our expansion as we move ahead into the future. Due to different regulatory norms in different territories & FIBREMONEY’s payment solution; this could attract unwanted guest to disrupt the flow. Hence, FIBREMONEY endeavours to secure themselves and its User’s / Merchant’s identity at all given time unless and until intervened by the respective government.


Our Mission Our Motive here is to create a people-powered new economy services

company that makes the cryptocurrency market accessible and trustworthy to

the average user, accelerating adoption of blockchain technology and

democratizing ownership of both digital and traditional assets.

FIBREMONEY is to eliminate all the uncertainties or fraud associated with the

traditional peer-to-peer payment services. Our Mission is to create a one stop

platform for all needs backed by blockchain payment solutions.We will make

our service reachable and affordable to the lowest business while lowering the

fees since the online/offline merchants is our target.

FIBREMONEY Token The FIBREMONEY Token is essential to the function of the FIBREMONEY platform. FIBREMONEY is a Functional Token that will be used on the platform to access various features, incentivize community building and value creation through a dynamic reward system, and pay for fees. It’s the fuel of the FIBREMONEY ecosystem. Furthermore, as FIBREMONEY becomes more liquid over time, it will be used to rebalance individual portfolios. As we grow, the liquidity generated by FIBREMONEY from fee conversions and FIBREMONEY trading pairs will form a “liquidity network,” enabling users to shift allocations between various currencies quickly and easily and transact with each other or sends value outside the platform.


FIBREMONEY Tokens will:

● Allow Users to transact with low fee. ● Allow Users to create a scalable micropayment transfer

mechanism for all platform services. ● Allow Users to support an open financial ecosystem that bridges

traditional and crypto assets ● Allow Users enable verified source of funds and identity for

transactions through the FIBREMONEY ecosystem. ● Allow Users to buy anything from any website using our platform

and payment gateway. ● Allow Users to use it just like traditional currency but this one

grows and traditional reduces as you spend. ● Allow Users to get quick loans on cryptocurrencies. ● Allow Users to HODL cryptocurrencies and get profit distributed

equally among all HODL accounts. ● Allow Users to earn distributed profits from www.fibremoney.com

earnings by FMT HODL.

FIBREMONEY Tokens will NOT:

● Pay dividends of any kind ● Enable holders to vote on company matters. ● Control the company or imply ownership in any way ● Entertain any fraud activity with our tokens & strict action will be

taken with the User / Merchant if found doing so.

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Token Sale Minimum Token purchase is limited to 50 FMT per transaction. ICO Will be active till 6 pm PST each day. Prices are in USD

Token Utility. Tokens were issued on the Ethereum Network using ERC20 standards so that they could leverage the full security and capability of an established blockchain. Utilizing the Ethereum network offered FIBREMONEY easy exchange integration, enhanced liquidity and the ability to leverage existing technical infrastructure that many users are already familiar with.


● Tokens can be used to buy any products/services on our online marketplace “ www.fibremoney.com ” or using our Payment gateway.

● Tokens can be used to convert into a virtual cash card within 3 seconds. ● Tokens can be used to withdraw cash in any ATM worldwide using

Fibremoney Prepaid/Chip Card. ● Token smart contract can be used to HODL FIBREMONEY token & major

cryptocurrency in Fibremoney wallet. ● Tokens can be used to transact high value transactions upto $200,000.00

per transaction with online / offline- merchants / users with envisioned higher values per transaction in future.

● Tokens can be used to trade on our exchange, as well as other major cryptocurrency exchange websites.

● Tokens will be used as smart contract for EMI, Loans and other financial services offered by Fibremoney.

● Tokens will act as a smart contract for high value overseas product transfers.

Token utility will increase in more things as we progress. KYC A major source of headaches for regulators is the perception that cryptocurrency can be used for money laundering, terrorist financing, drug transactions and the like. Even though there exits’ this perception, many studies have shown that illicit actors still prefer to use fiat over cryptocurrency due to the linkability and transparency of the blockchain. The blockchain is often more transparent than the existing fiat financial ecosystem, and can be used to create a safe and clean digital financial ecosystem. FIBREMONEY is building standards that will help people stay on the “light side” with crypto and power all the transformative possibilities that crypto promises while at the same time maintaining the integrity of a clean financial system. This includes identity for all FIBREMONEY participants. Instead of sending funds to an anonymous address,

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FIBREMONEY users can link identity to funds. We see this starting with a mobile number linked payment wallet and KYC standards as per HIS/HER country of residence. Marketplace powered by the FIBREMONEY token that enables verified users the ability to leverage the plethora of capabilities that are available in the crypto world. Additionally, FIBREMONEY has a standard that proposes a way to encode verified source of funds into blockchain transactions powered by the FIBREMONEY payment gateway. A digital asset that powers a new, decentralized, inclusive and compliant future is something that should appeal to both users and regulators alike.

Legal Considerations The introduction of FIBREMONEY involves myriad legal and regulatory complexities. In fact, these intricacies were the determining factors in our decision to restrict access to our Token Sale from those residents located in Singapore, United States and where public policy was extremely fluid. However an analysis of FIBREMONEY Tokens found our tokens to be of pure Functional Token class bearing no resemblance whatsoever to the more controversial Tokenized Securities. However, these restrictions don't apply to restrict any users worldwide to use our token with inmate launch of the FIBREMONEY Platform.

FIBREMONEY services have legal considerations including:

● Compliance with Know Your Customer (KYC) regulations and requirements.

● Implementation of Anti-Money Laundering (AML) regulations and requirements.

● Applicability of Jurisdictional Investment Company Laws, including Investment Company Act of 1940, to FIBREMONEY services.

● Applicability of Jurisdictional Adviser Laws, including Investment Advisers Act of 1940, to FIBREMONEY services.


● Applicability of Jurisdictional Securities Laws, including Securities Exchange Act of 1934, to FIBREMONEY services (Broker Dealer / Exchange / ATS).

● Applicability of Jurisdictional Securities Laws, including Securities Act of 1933, with Token Classes made accessible on the platform (Securities Classification) and many more ACT’s in different Nations.

These issues should be considered by users considering purchase of FIBREMONEY tokens. The fundamental role of the FIBREMONEY token is to act as bridge for the traditional payment platform where users can buy using cryptocurrency to make payments on any website using our platform “www.fibremoney.com” FIBREMONEY service, both in whole or part, may not be available in certain countries and will be made available in others according to a very specific rollout strategy. Prospective token holders in the FIBREMONEY Platform should consider these facts prior to purchasing any FIBREMONEY tokens.

Online Marketplace www.fibremoney.com

http://www.fibremoney/

http://www.fibremoney.com/


Fibremoney’s online marketplace is a unique website that brings you products and services with major payment options and Fibremoney payment gateway all put together into a “Grandma” friendly interface. Our marketplace will initially start with Travel, Currency Exchange, E-commerce & Financial services with addition of products and services continuously as we progress along. Online marketplace will let you make payments using Visa, AMEX, Mastercard, Paypal and Cryptocurrency. Our Exchange is on Https:www.fibremoney.com/Exchange Our exchange has option to do trading in both currencies. More details will be launched with the website in June 2018.

Visual Appearance of Fibremoney.com Mobile application.

http://www.fibremoney.com/Exchange


Fibremoney Financial Services Fibremoney Financial Services will offer Instant loans, savings program, HODL program and Merchant Rebate Program. Loan Program:

● Users can deposit their BTC / ETH and get upto 90% of the value into Fibremoney Chip Card.

● Users will get a option to payback in Easy Monthly Instalments between 3 months to 24 months of Full value + (10% or 1 EMI whichever is lower) of the original BTC / ETH deposited.

● Users will get the BTC / ETH of 95% value back in their Fibremoney wallet.

● Users will get a option to buy certain products on EMI using our marketplace by depositing their BTC / ETH and get upto 90% of value to purchase the product.

● Users will get a option to payback in Easy Monthly Instalments between 3 months to 24 months of the loan value they received to purchase the product.

● Additionally Users who use the EMI service to buy products from our marketplace will receive the hypothecate valued BTC/ETH with additional profit of upto 25%/annum into their Fibremoney Wallet.


Savings Program:

● Users who use our savings program for depositing and using Fibremoney wallet as their core banking service will get upto 12.5%/annum profit on their average quarterly balance. The currency will not be held during the period depending on the plan selected.

● Merchants who use our Savings program as their current business account for all banking transaction will receive upto 25%/annum profit on their average annual balance. The currency will not be held during the period depending on the plan selected.

HODL Program:

● Users have a option to choose this service and HOLD upto 5 cryptocurrencies and get profits from it.

● The profits generated by HODLING these coins will be shared equally among all users with Fibremoney being a part of them.

● User can select options between 3 months to 12 months to HODL upto 5 crytocurrencies.

Merchant Rebate Program:

● Merchant who accept Fibremoney mobile wallet payments and Fibremoney Payment Gateway for their online / offline sale will get upto 10% rebate on each transaction.

● Rebates can be claimed in the following month in their Fibremoney Chip Card.

● Merchants accepting payments in cryptocurrency will receive upto 10% extra Rebate.

Day2Day Trading:

Users will be able to trade with upto 10 times their Investment amount depending on the D2D plan selected.

Users will be able to socialize with other investors to increase the investment amount by clubbing all together, hence reaping the benefit of getting upto 10 times the total clubbed amount for Day2Day trading.

Day2Day trading program will be launched with more details soon after ICO.


FIBREMONEY Payment Gateway

Visual appearance of payment gateway.


Fibremoney has a unique wallet wherein the wallet is easily compatible with more than Top 50 Cryptocurrencies and more than 10 Fiat Currencies on a user friendly interface. Which makes it easier for every consumer whether he is a beginner in cryptocurrency or a master? Thanks to the Fibremoney payment gateway system where all the users can easily make payments using their Fibremoney chip-cards, Virtual cards and Fibremoney payment gateway. So as a bank you have the same funds in the card as the funds in the wallet and hence eliminating all the transactional charges and most important TIME. Because of this unique feature all the users get a chance to spend the crypto earned money in any part of the world as we are already trying to integrate 3rd party payment service providers till the time we build this massive payment gateway option. WE are making it compatible to most of the countries but it's time consuming as we have to check mark the legal terms and conditions of all governments respectively. All the current wallet services in the world usually tell us how secure they are but everyone is region or country specific. Here at fibremoney we are bound to increase the services all round the globe Our Team has been developing this gateway rigorously from past couple of months and are ahead of the timeline, which means our gateway will be delivered by June 2018.There are lot of opportunities we have to look at before we deliver the final product, because we want it to be fast, secure and user friendly while being adaptable for everyone. Our Payment Gateway will be compatible with Amex, Visa, Mastercard, Paypal and Top 5 cryptocurrency. It will automatically pop out when you are on a payment page. Once user confirms the payment, The Payment Gateway makes payment to website in fiat currency using Visa.


The payment gateway can be integrated with Google Chrome and Mozilla Firefox browser. It will function just like a mobile wallet. User’s would be able add fiat and cryptocurrency both and it is secured by additional security feature of 2FA code to complete the transaction.

FIBREMONEY Fiat Gateway This issue is largely a regulatory and compliance rather than technical one, yet the task of providing affordable, competitive rates for crypto buyers remains a challenge. FIBREMONEY has brought on significant talent and is developing innovative legal and regulatory approaches to tackle this problem, with the aim of integrating these solutions into the FIBREMONEY payment gateway ecosystem. We anticipate that this will require KYC, meaning there will be additional verification for this and other FIBREMONEY fiat gateway capabilities.


The platform would provide services such as fiat conversion, buying and selling crypto and fiat transfers. We believe that crypto should never aim to replace fiat currencies but rather complement them. Crypto should be seen as a means to disrupt existing structures while making the economy more efficient. For this reason, we see the fiat gateway as being piece of a fundamental FIBREMONEY Ecosystem. Fiat currency is supported in Payment Gateway and Mobile Wallet both.

FIBREMONEY Broadcast The final piece of the core FIBREMONEY ecosystem is FIBREMONEY Broadcast. It’s not just a newsletter but the broadcast will be published to all the social networking sites such as facebook, telegram, instagram and twitter wherein the broadcast will not only telling about our own company but also will be telling about all important updates about the Cryptoworld We believe that the combination of these components will create the backbone for a new wave of innovation in crypto news channels services that ico review companies and other news channels have yet to create!

Welcome to the Smart Economy FIBREMONEY ecosystem is just the beginning of a highly ambitious vision that we’ve set out and are continuing to refine and articulate. We firmly believe that cryptocurrencies are not only here to stay, but can bring about enormous positive change for a lot of people around the world if we seize the opportunity together. FIBREMONEY is committed to playing a role in helping to realize the vision of the smart economy - one that is equitable, fair, empowering, safe and accessible, that brings the best innovations across multiple sectors to fruition as a truly New Economy.


Achieving meaningful mass adoption of cryptocurrencies will require a lot of technical infrastructure to achieve. The FIBREMONEY Platform and FIBREMONEY ecosystem are our big bets to help make sure that happens, and happens soon.

Linking to the Fiat Economy FIBREMONEY’s ambitions include the introduction of a hybrid solution where crypto and traditional assets can co-exist across a single, dynamic platform that enables consumers to monitor, manage and access all of their financial assets in one place. Delivering a uniform solution for crypto and traditional assets will be a critical tool in a consumer’s toolbox over the next decade as the natural progression of what began as the “paperwork crisis” in the late 1960’s shifts away from the movement of physical stock certificates to book-entry form (dematerialization), to a complete digitization of assets of all types. While this transition occurs, the FIBREMONEY Platform will provide consumers with essential technology that allows diverse financial holdings, both digital and traditional assets, to be made readily accessible across a unified platform that enables consumers to better diversify risk and manage assets of all kinds. To ensure consumers are afforded every opportunity to succeed in building their wealth, as we grow we will also enable powerful new services to be provided digitally by investment professionals, firms and experts within highly safe, secure and dynamic private clusters with the power to transform financial services for all stakeholders.


Balancing Decentralization Ripple started as a centralized service that intended to decentralize in the future. FIBREMONEY will decentralize pieces as it makes sense in development, while building on existing models of success where needed to create the right conditions for success and growth through a human-centred lens. A big issue that the cryptocurrency sector faces is that for the most part there is no “support line” that you can call. if something goes wrong with your money. While autonomy and control are key to the philosophy of cryptocurrencies, mass adoption will be impossible without proper consumer protection and services in place. This is why we decided to decentralize (self-manage) the FIBREMONEY Universal Wallet to preserve the ideals of the cryptocurrency system, but at the same time build a technical infrastructure that supports and protects consumers. Not all pieces of the FIBREMONEY platform need to be decentralized, and centralized selected pieces of it will result in a better end-user experience. We’re committed to carefully preserving the ideologies and approaches that make cryptocurrency and blockchain so revolutionary, while putting the right services in place to truly unlock mass adoption. We are incredibly excited about the huge potential of FIBREMONEY and the work our team is already doing to bring it to fruition. We hope you’ll join us on the journey. Thank you for reading our white paper. Please visit www.FIBREMONEY.co and follow us on social media to be a part of building a people-powered cryptocurrency platform, and the future of investment. ”This is not an offer or to sell or a solicitation to buy any digital assets. The cryptocurrency space is volatile. Please be careful and thoughtful when purchasing any cryptocurrency token, digital asset or token sale. This paper can be changed at any point with no prior notice. You are responsible for complying with local jurisdictional laws and regulations. We encourage and support reporting and paying taxes on your cryptocurrency gains”.


Crowdfunding

Thе crowdfunding of FIBREMONEY and the corresponding token creation process

are organised around smart contracts. Participants who want be involved in the

FIBREMONEY project development, the sale of FIBREMONEY tokens will take place

during 2 crowdsale:

❖ Pre-ICO : 2 Million Tokens for sale .

❖ ICO : 9 Million Tokens for sale.

➢ Issuing and selling FIBREMONEY tokens wіll bе done using Ethereum And

Bitcoin

➢ ICO participant whо want to support the development of the FIBREMONEY

project will be able to send Funds to thе address indicated on the email from

[email protected] after order is placed.

➢ Total supply will be 21 Million Tokens. If the sale of tokens reaches its limit for

both Pre-sale and ICO, thе release of tokens will be stopped.

mailto:[email protected]





How to participate in ICO?

1. Login 2. Select Buy Token tab. 3. Select mode of payment BTC / ETH etc 4. Input amount of coins to purchase and ETH/FMT receiving address will auto generate. Your

personal Ethereum address can also be added to receive FMT only. 5. System will auto calculate the price in the selected currency. 6. Check Inbox / Spam folder of your registered email address. 7. Email will have Order Details. 8. Once payment is verified and token is transferred, you will get another confirmation email. 9. Token will be transferred within 72 hrs.

Find us

Documents

FIBREMONEY · The probable appreciation of FIBREMONEY motivates customers to save their tokens instead of redeeming them for purchases, also reducing the number of tokens in circulation