1. Introduction to Cryptoriya The Cryptoriya Function Cryptoriya Technology and MVP... 23

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2 Contents 1. Introduction to Cryptoriya The Cryptoriya Function... 5 I. P2P System... 5 a. Cryptoriya Wallet... 5 b. P2P Exchange... 7 II. P2E System... 9 a. Crypto to Crypto. 10 b. Crypto to Cash.. 12 c. Crypto to Bank Account. 14 d. Crypto to Card Top-Up. 16 III. The Cryptoriya Card.. 17 a. Card Variety.. 19 b. Loading Card. 20 c. Payment System Process.. 21 d. Example - ETH-Funded Purchase with CRYPTORIYA Card Cryptoriya Technology and MVP Design and Approach Development Roadmap Cryptoriya Initial Coin Offering I. Highlights of Cryptoriya ICO II. Cryptoriya Token Creation, Reserves & Breakdown III. Use of Funds IV. Pre-Ico Participation and Bonuses V. CRYPTORIYA Token Benefits Roadmap Team Conclusion P A G E 2

3 1. INTRODUCTION TO CRYPTORIYA Welcome to the world of cryptoriya. Cryptoriya is a first blockchain based technology where users can exchange any cryptocurrency to cash within minutes from anywhere globally. In this era cryptocurrency is growing in the market very rapidly, but this remains only in a digital way rather than being used in daily life. For example, if you want to buy any product from a local shop or want to pay parking fees or give cash to anyone, you ll be unable to use cryptocurrency. Another example can be if we're going to buy vegetables from the market we are unable to use cryptocurrency and whatever amount of money we have, we P A G E 3

4 might be billionaires but if we want instant cash, it is not possible. However, the situation has come to be handy in such a way that we can use any cryptocurrency anywhere in the world and that it can be used instantly without any banking cards to anyone. To make this possible we can do the procedure that any cryptocurrency can be exchanged in cash within minutes by cryptoriya. We provide many exclusive services to our user. In this business world, there are many services for collecting crypto transactions online or offline, but they are not easy to use since they don t provide a high level of security. Cryptoriya gives the P2P and P2E exchange facility to their valuable users. We provide direct conversion of digital currency through our website and apps. In starting, cryptoriya converts 600+ cryptocurrency to your required cryptocurrency & we aim to capture around 100% availability of cryptocurrency within the 1 st year. Cryptoriya provides you this service in many ways like - cryptocurrency to cryptocurrency, cryptocurrency to any wallet, cryptocurrency to any bank account, cryptocurrency to a debit card, cryptocurrency to cash. One of the most important things of cryptoriya is no KYC needed from our valuable users. It is KYC free, so any user is free to use our services globally. If you talk about the security level of cryptoriya, cryptoriya provides a higher level of security with the latest technology, and we always update a new security level as technology changes day by day. We use only cold storage for every P2P exchange & wallet transaction, users need to provide 2FA code for the security. The reason is so as the transaction proceeds, our user operation is safe and secure. Currently, many leading providers in the market are imposing excessive commission for converting of Cryptocurrency while at the same time, cryptoriya give you the free conversion of cryptocurrency; there will be no middleman, no high commission. Cryptoriya is the only best solution for users to exchange their cryptocurrency in any mode. P A G E 4

5 2. CRYPTORIYA WALLET In the market, there are lots of wallets available but all of them are supporting their currency either 3 to 10 more coins or token but in the present climate people are quite busy with their work. On this situation they do not have so much time to do all these things, so they want something hybrid quickly performing. If we have different types of currency, we cannot take all of them in a single wallet. We can store them in different portfolios, and if we want to exchange them by a single click, we have to connect them one by one. Then we able to transfer them. Cryptoriya wallet is the single point access to all digital assets. It is the wallet where you can store over sixteen hundred types of currencies in 1 wallet. It is the solution of different wallet systems for different coins/tokens, and it also works efficiently. It is less time consuming; you may transfer buy, sell your different types of coin form a single wallet. It can save time and exchange smartly. It is a hybrid wallet where you can store almost any cryptocurrency or token. P A G E 5

6 Cryptoriya wallet security system is very high. We can use only cold wallet i.e.; a cold wallet is the offline wallet for storage a digital asset on platforms that not connected to the internet. It protects from unauthorized access cyber hacks and other vulnerabilities. Cryptoriya wallet is only accessible by using two-factor authorizations. There is no direct access to the portfolio with id, and password. The user has id and password, but it is not sufficient to access the cryptoriya wallet system. If you enter id and password after successful authorization by proceeding, the next step for login is you have to provide 2fa code by which you can log in, and for every transaction, you have to enter the otp /2fa code that given your choice. It could be sms, , authy, voice call or ether letter by post. So, it is the highly secure and no one can access it by even knowing id and password without 2fa code. P A G E 6

7 3. P2P EXCHANGE Cryptocurrency have managed to scale through multiple hurdles in the period of their reason. Cryptocurrency primarily used as a method of payments, and various stores and vendors are also accepting cryptocurrency coins over the last couple of years. Cryptocurrency have been rapidly growing around and understanding its use and value to the public. Globally, there are currently 51 Cryptocurrency exchange platforms in 27 countries of the world. According to the study, 52% of small exchanges hold a formal government license compared to only 35% of large exchanges. 85% of all exchanges in Asia pacific region have no license which comes into the sharp contrast to north America exchanges where 78% of exchanges have such licenses. 73% of exchanges takes custody of user funds where it will be attracted by hackers. 23% let users control key for better security, 92% of exchanges use cold storage system where on average, 87% of funds are kept in cold storage. Also, the multi-signature wallet supported by 86% of large exchanges and 76% of small exchanges. P A G E 7

8 Most of the exchanges follow traditional architecture, and there is only one global P2P exchanges platform. Local bitcoin, while still relatively small, it has recently seen a significant increase in the trade volume, reflecting higher demand for Cryptocurrency. cryptoriya is a global P2P exchange platform that allows users quickly and easily convert one cryptocurrency into other Cryptocurrency or cash and vice-versa. We have created cryptoriya as a direct response to a vast market problem that exists in the global Cryptocurrency market. In the majority of countries around the world, individuals are not able to quickly (instantly) and conveniently convert one cryptocurrency into other Cryptocurrency or cash. While some exchange platform is available, mostly lack of scale that offer simple tech solution that requires security and it is challenging and complicated to use. P A G E 8

9 Cryptoriya will provide individuals a reliable and convenient platform to quickly exchange 1600 Cryptocurrency with the assurance of 100% that help the most popular payment methods for the Cryptocurrency available in the world. To ensure the best user experience as well as protect the users cryptoriya will act as a guarantor for the trades executed on the platform. Our motive is to give you best service for your trading. We provide the service which is not offered by any of the companies. We provide P2P exchange option for almost all cryptocurrency as well as all-new token/cryptocurrency that added to our system within 30 days of public release. CRYPTORIYA P2E EXCHANGE We offer the flexible cryptocurrency exchange option for you where you can switch the primary mode of payments or exchange with crypto to crypto, crypto to cash, crypto to bank deposit as well as crypto to the card. P A G E 9

10 CRYPTO TO CRYPTO It is a platform that enables immediate exchange of the Cryptocurrency with another Cryptocurrency. The cryptocurrency circulation was relatively new for the whole world, as it often used with technology that keeps up with the times, cryptocurrency is widely popular and continues to attract a new audience. The growth in the popularity of cryptocurrency accompanied by the gradual lowering of barriers to its circulation and new possibilities are appearing for the development of the infrastructure. The current option to exchange cryptocurrency in single exchanges is generally limited to 20% - 30% type of Cryptocurrency in the available market but it can t help. Cryptoriya P2E Exchange is starting with 600 types of Cryptocurrency & stimulate further and expanding the exchange limit with more than sixteen hundred+ Cryptocurrency within six months with the aim to cover 100% availability of cryptocurrency/token exchange & 1st in this segment to provide all exchange pair. P A G E 10

11 But only an explanation of crypto exchange is not sufficient. The privacy is also essential to this. Most of the companies in the present market will ask user detail & KYC, but our cryptoriya will not ask you for any types of personal detail in exchanging. It is a new launch. None of the companies can trade 16 hundred + currency; only cryptoriya does it with a hope that every coin is tradable & not depending on exchange mercy to listed on the exchange. The trading fees for exchange are fluctuating from 0.5 to 10% in which the companies are capable of exchanging only 20%-30% types of cryptocurrency, which is quite expensive. We are going to solve the problem by providing almost every kind of crypto, and we are not going to take that many fees for exchange. The solution of cryptoriya is capable to transfers over sixteen hundred with a little exchange fee. Simple process for using our exchanges that gives you ever served with low exchange fee. 1. User visit our website or mobile application. 2. Select the token option which you want to exchange. 3. Choose by which token you want to trade. 4. Then click on continue option. 6. Send your cryptocurrency to the displayed address. P A G E 11

12 7. As soon as the deposit confirmed in the blockchain network, the selected currency will automatically transfer to your address, and your transaction is complete. CRYPTOCURRENCY TO CASH In the present market, the majority of the token distributed from ICO S is mainly affected by the natural fluctuation within the crypto exchange platform and their existence closely linked to their popularity there. We offer flexible crypto exchange option with cash where everyone can exchange any of the cryptocurrency into cash instantly. None of the companies provides the service for changing cryptocurrency into liquid immediately. Everyone will enjoy the benefit of it. The cryptocurrency market system is more challenging compare to three or four years back when the cryptocurrency initiated the demand was very low. But bypassing time and people increasing the knowledge about cryptocurrency, the market was grown. Such a way that you cannot accept by increasing demand users wants more and more services & easy methods to use. P A G E 12

13 Nowadays, the time came where most of the things whether it is shopping in e- commerce or playing games or paying the parking, etc. Are working with cryptocurrency. The day by day currencies was digitalized, but it is not possible to use it now because it fully digitalized. So, our company cryptoriya give you the service that you can exchange any Cryptocurrency into cash within 10 minutes globally. We have served you a hybrid network. It functions globally. You can transfer your cryptocurrency in any part of the world. We are providing this system by analyzing the market because many of the companies are providing a card for the cash transaction, but the fee is quite high. We also issue cryptoriya cards, but we are offering as well as cryptocurrency to cash function for a little cost because even users are not able to pay that much amount for the only fee of the transaction for cards. We propose the service cryptocurrency into cash which is available to everyone because we are offering with a meager price. By following an easy and straight forward procedure, anyone can exchange cryptocurrency into Cash. 1. User can visit our website 2. User first select crypto-currency which you have to exchange for cash. 3. Select which cryptocurrency you want to exchange. 4. Send your cryptocurrency to the displayed address. 5. Eight-digit code has generated in website or mobile application. 6. By having reference eight-digit code and order no, you can locate the agent which is available worldwide. 7. Then you have to meet with an agent and show them your order number and reference number. 8. The agent checked the order details in the system and generated otp will come to your mobile no and Than you have to share the otp with your agent. By doing all the procedure, the agent can give you cash amount that you are demanding. P A G E 13

14 CRYPTO TO BANK DEPOSITS The digital currency market is genuinely international, open 24 hours and offer great potential for growth. The rapid increase of interest in Cryptocurrency led to the creation of newly token available for daily trading. To better illustrate the potential for investing in the cryptocurrency market, we present some facts below. 1. The volume of the world cryptocurrency market in 2017 exceeded $160 billion*. 2. By the end of 2017 the volume of cryptocurrency transactions exceeded 1 trillion dollars which is 15 times more than in the year In the first half of 2017 the volume of cryptocurrency deals increased by more than 325 billion dollars. Today. the volume of everyday deals with cryptocurrency exceeds 2 billion dollars. 4. The number of unique active users of cryptocurrency wallets has grown more than five times since Total capitalization of the cryptocurrency market which is the current total value of all digit capital is approx. USD 450 billion, which leaves a lot of room for future growth and development. The majority of cryptocurrency used in trading rather than any other processes. All currencies regularly traded on many exchanges, but none of the companies provides the services of depositing the cryptocurrency directly to your bank account globally. As we see above, the market growth is increasing day by day, but no other company will think to provide the function of any Cryptocurrency to your bank account. Cryptoriya is the only one who can directly exchange crypto to a bank account. The service is provided directly to you. The user does not need to sign up and give us any document. The service is paper free. The user does not need to share any personal document with us. The KYC is not required to do this entire process. Here, there is the process of crypto to bank transfer. P A G E 14

15 1. User can visit website/ apps. 2. The site is open. In selecting an option, the list of all the Cryptocurrency is open over their. 3. Select the cryptocurrency that you want to deposit. 4. Select on deposit option, select country list in country list and select bank account details. 5. By selecting all the above procedures, the limit is shown on your screen. You have to fill all the required detail and click on start transaction. 6. Now send your coin to display address & wait for your deposit to confirm on the network. After confirmation on blockchain network, your amount is sent to your bank account within 2-3 working days & transaction is completed. Here is the most critical question by which account cash transferred to your account. We have our company offshore account as well as our agent account available globally, so payment is transferred from any of our company accounts/agents to your accounts within 2-3 days. Cryptoriya have reserve funds in bank account so there is no delay in transaction. P A G E 15

16 CRYPTO TO CARD TOP UP As we already discussed, all the crypto market is increasing right now and represent a vast untapped resource of exchanges with the total market cap of cryptocurrency reaching USD 450 billion in august 2017, and it is expected to grow continuously. There are a lot of companies in the market for enhancing the digital currency market. They give their best, but we give you the service of sending cryptocurrency directly to your card. The cryptoriya is the only company which offers you the hybrid function of transmitting any cryptocurrency directly to your card. We have a partnership with visa, master, and American express and we are offering the lowest transaction fee as compared to the market. The procedure of sending cryptocurrency to card top-up: - User visit our site/apps. Choose the cryptocurrency which you d like to send. In send option, select crypto to the card and also select the card issuer.it may be visa /master/american express picking the card issuer, gives us some details like card no, and mobile no. Click -start a transaction, and then coin chosen address is displayed on your screen and you need to send the coin to the address. As soon as your deposit confirmed on the blockchain network, the amount transferred to your card within four days. P A G E 16

17 THE CRYPTORIYA CARD EXECUTIVE SUMMARY Ease of convert any crypto-currency makes the cryptoriya card a unique card for anyone who regularly spends money. It is a single card to convert any cryptocurrency. Cryptoriya card is the card that work in everyday world. Some company s previous attempts have been made to create a bitcoin card that offers a decentralized bank, instant conversions and stable exchange rates. Until cryptoriya card has not achieved despite millions of dollars poured into this concept. We are in touch with some bank like ZURICH CANTONAL BANK(SWITZERLAND), DELEN PRIVATE BANK (BELGIUM), CREDIT MUTUEL BANK(FRANCE), CAESIS BANK (LUXEMBOURG) for banking partnership which has finalized to the extent of 80%. The debit card is issued through the visa network and delivered through courier or by our nearest agent. Key features The physical cryptoriya card can use wherever visa cards are accepted. You can use it for any online or offline transaction like a regular credit/debit card with the key difference being that the user is spending cryptocurrency. A real-time transfer takes place each time the card received CIYA COIN or ETH. The ability to exchange any cryptocurrency to fiat with best exchange rates using cryptoriya website, apps or exchange. No currency conversion fees; use it in any currency. Real-time transfer of funds from any cryptocurrency to cryptoriya card. Funds are instantly available for the recipients cryptoriya card as soon as the transfer is confirmed. Cryptoriya virtual cards are available from august Cryptoriya physical card can order from q P A G E 17

18 THE CRYPTORIYA CARD To sign up for the cryptoriya card, subscribers need to visit cryptoriya.io and complete a straightforward, 5-minute onboarding process, including non-kyc for regular card & remote KYC for the luxury card. Once this completed, the cryptoriya card will be issued, and customers get it via courier or from our agent available around the world. A physical card may use at more than 50 million visa merchants globally. It will be used both online & offline purchases. Precise interbank rates are guaranteed when using the cryptoriya card. No fees or additional markups in real terms, the cardholder receives a saving of up to 7% when compared to high street banks. Cryptoriya card can be instantly funded, at no charge, with any cryptocurrency. From q1, 2019 cash funding from our agent will also be available to load the cryptoriya card. Using the cryptoriya card to fund purchases is simple. Use it in any VISA enabled merchant or an ATM. You can view the USD balances on your card via our website/apps. P A G E 18

19 CRYPTORIYA CARD VARIETY Card Type Regular Luxury KYC NO YES Card Issue Fees $25 Payable in CIYA tokens $100 Payable in CIYA tokens Crypto to Card Deposit Fee 1.5 % 1% Max Balance Equall to 7 BTC Equal to 75 BTC Monthly Spend Limits $ 30,000 USD UNLIMITED Card Daily Load Limits 1 BTC UNLIMITED Daily ATM Withdrawal Limit $ 6,500 USD $ 25,000 USD ATM Withdrawal Fees 2% 1% Daily Trxn Limits $ 8,500 USD $ 50,000 USD Monthly Card Fees Free $20 Payable in CIYA tokens Online Purchases Free Free Declined trxn Charge $ 2.5 USD Payable in CIYA tokens $ 1 USD Payable in CIYA tokens Chargeback Fees $ 20 USD Payable in CIYA tokens $ 15 USD Payable in CIYA tokens Currency Exchange Fees Free Free Card Reissue Fees $20 Payable in CIYA tokens $15 Payable in CIYA tokens PIN Reissue Fees $10 Payable in CIYA tokens Free PIN Generate from App $ 0.10 USD FREE Courier Charges DHL / Fedex Real Time DHL / Fedex Real Time P A G E 19

20 LOADING CRYPTO DEBIT CARD In the back side of the cryptoriya debit card, there will be Ethereum address embedded in QR code. If any user willing to load crypto card then need to send ETHEREUM or CIYA TOKEN to their cryptoriya debit card address, it will automatically convert to card default currency in USD, GBP or EURO. The cryptoriya debit card will instantly receive the amount from the converted digital money into desired currency. If any cryptoriya debit card holder wants to send the different digital currency other than CIYA or ETHEREUM in their debit card, for those cryptoriya users can visit our website or users can go for mobile application from where they can exchange their currency into CIYA TOKEN to their debit card address directly. And after loading of your debit card you can easily access your debit card in ATM or users can do shopping globally. P A G E 20

21 PAYMENT SYSTEM PROCESS Cryptoriya card allows users to exchange any crypto-currency in real-time. The user can spend or withdraws at an ATM, cryptoriya card does not need to maintain any minimum balance. P A G E 21

22 Example Cryptocurrency funded Purchase with CRYPTORIYA Card wiliam Want to purchase flight ticket from his cryptocurrency & he immediately transferred cryptocurrency to Card Address he did not need to wait for the exchange to send a traditional wire/sepa transfer. The funds were instantly available for him to use on his Cryptoriya Card. Example - BTC-funded ATM WITHDRAWAL with CRYPTORIYA Card Parker is new to all things crypto but wants to learn, so tried to register for a bitcoin workshop in London. Even though this is a crypto workshop, the organizers won t accept BTC as a method payment. Luckily, Parker has a Cryptoriya Card so he sends 0.1 BTC to his card and registers online. P A G E 22

23 CRYPTORIYA TECHNOLOGY AND MVP on implementing a seamless Blockchain technology, CRYPTORIYA team has continuously been sticking to some core principles and the real pain it is trying to solve for the unbanked. We have come to certain necessary conclusions based on the geographies we intend to cover and the products we want to offer. There are some underlying issues in financial inclusion of this underprivileged populace that has to be solved by a mix of traditional cash, existing agent networks, and advanced but seamless technology. Few key areas that we have considered while building the tech: 1. Cash is still the dominant medium of exchange in the world. 2. Third party intermediaries and brokers are expensive. 3. Peer to Peer is the road we want to take for all Cryptoriya products eventually. 4. Smart contracts can be used to automate and create trust between participants. 5. Exchange of value should be fast and efficient. 6. Most of this population do not understand crypto, how it works and think it is agnostic. 1. DESIGN AND APPROACH Most Cryptocurrency users have smartphones but cannot afford expensive hardware wallet. Blockchain is maturing and reaching a stage where there is currently a need for a single class, secure strong governance (decentralized) value exchange that uses maximum distributed computing, so it is efficient and scales to millions of transactions per second when powered/powering billions of devices (single class of machines) while maximizing security and minimizing transaction fees (to almost zero). To achieve this, we are focussing on the following stack of technologies: P A G E 23

24 On achieving this, our base technology must be very strong, and we have studied various blockchain platforms like ethereum, hyperledger, and bitshares, to make cryptoriya scalable we are looking at different off-chain solutions like raiden, ethereum s lightning network, and plasma, but they are all still in nascent stages and even testing. We have tested and used bitshares in the past. It s a high technology pegged to all 180+ countries via usd, but uses graphene and graphene was hard to stabilize and continued freezing. For several other reasons, we are staying clear for now. At the moment ethereum erc20 compliant ciya token for transactional is the best blockchain solution available to build cryptoriya platform. Our mvp will be based on that primarily because ethereum already has a good adaptation in the market, including exchanges and other corporations, will be released before the ico. Eventually we may opt for our public blockchain, but for now, we are building erc20 compliant ciya token and also looking at erc223 on ethereum main net. However, we continuously track the evolution of other blockchain platforms and technologies in case any other platform would provide higher smart contract flexibility or security for peer to peer financial smart contracts and scalability, such platform could also use. CRYPTORIYA WALLET We Will Include All Blockchain Platform Like Ethereum, Blockchain, Waves, Bitcoin, Stellar, Neo, Graphene, Nem, Bitshares, Qtum, Ethereum Classic, Omni, Eos, Steem & Hyperledger Will Connected In Our Backend And Provide User To Access All Cryptocurrency From A Single Wallet. P2P EXCHANGE - P2P exchange cryptoriya works with a complicated matching process, high speed of transaction, virtually support, functionality and efficiency. Cryptoriya will bring P2P exchange in zero fees for their users. Cryptoriya charges low fees from any coin company who wants to list their coin in cryptoriya exchange. P A G E 24

25 CRYPTO TO CASH - Cryptoriya makes agent in worldwide. An agent will have the mobile application, through a mobile app, the agent can see the order number and reference id of our costumer and our aim to provide cash within ten minutes globally. CRYPTO TO CRYPTO - crypto to crypto works very simple if any cryptoriya users want to crypto to crypto conversion they can do it through our website /apps and select cryptocurrency and whatever desired currency the user wants and he have to choose, after selecting the desired cryptocurrency, once the deposit confirmed in the blockchain network the users will get his new coin in their wallet address automatically. CRYPTO TO BANK ACCOUNT- in cryptoriya if user willing to transfer their cryptocurrency to the bank account it can be done without KYC, cryptoriya takes cryptocurrency from the user and send the payable amount from the company offshore account to a user account. Cryptoriya has reserve funds in the bank account, so there is no delay in the transaction. CRYPTO TO CARD - it works to transfer the cryptocurrency to the card. Users can send their cryptocurrency into their any debit card should have the network of visa and master card. The user has to fill all the essential details of their card like card no & need to choose issuer network on our website or mobile application once the deposit amount confirmed in blockchain network user will get his payable amount on their debit card. There is no delay in this process because of the fund transfers by company reserve fund from company bank account. 2. DEVELOPMENT ROADMAP We have a clear path to our vision, and we have prepared a development roadmap for our technology. Our team prefers a staged approach which means that each stage will have its deliverables: Stage 1. Official meeting with our team members and after doing market research, we made & launched alpha version. cryptoriya alpha platform will be working on Ethereum Test-net Blockchain with real user data. It will help us P A G E 25

26 prepare smart contracts and get feedback from the community, real users and make sure that this solution is viable. Stage 2. On testing of the alpha version, we have got success in our idea. We are preparing to launch our PRE-ICO in May Stage 3. A full working Beta Version will be ready by June 2018 with a fully functioning backend server with telematics integrations for real customer data gathering and prediction. IT Will include a CRYPTORIYA Wallet, CRYPTO TO CRYPTO & CRYPTO TO BANK ACCOUNTS as well as CRYPTO TO CARD TRANSFER. It tested in three steps. a) private b) invitation c) public after testing of the invitation version, the beta version for the public will get released. Stage 4. Our public ico start in July Our token will be listed in our exchange within five days of the close of our ico & within 2nd week of September it s listed on others exchange. Stage 5. our Fully functioning DEBIT CARD to be released by August 2018 and open to all geographies and customers. Stage 6. CRYPTORIYA P2P & P2E Exchange launch for public usage and enabling massive adoption across geographies will happen by October Stage 7. Further development to increase the amount of transactions usability and throughput of the platform. P A G E 26

27 CRYPTORIYA INITIAL COIN OFFERING Cryptoriya token is an ERC-20 utility token, with the functionalities as described in this whitepaper. The funds raised in the initial coin offering ("ico") will be used to scale the platform further, expand in more countries, assistance for local communities to build, investments in a small cryptoriya fund for the migrants, unbanked and hire more people on technology and business development. This is further detailed in next section. We would like to highlight that cryptoriya token does not constitute security in any form in any jurisdictions, and this whitepaper is not a solicitation of investment and does not relate to any form of an offering of securities in any jurisdiction. Please read the important notice at the end of this whitepaper for further clarifications. HIGHLIGHTS OF CRYPTORIYA ICO 1 CIYA Token Is Equal To $ ETH PRICE Locked to $1000 For PRE-ICO. there is 0.1 ETH minimum purchase amount in PRE-ICO. PRE-ICO sales period will be from 15th May 2018 at 9 AM GMT to 20 th June 11 PM GMT. Cryptoriya reserves the right to revise and amend the PRE-ICO sales period at its sole and absolute discretion. feedback & review period will be from 21 st to 30 th June This will include feedback, implementation, launches of beta, numerous partnerships, testing and other significant news in various countries ICO sales period will be from 1st July 2018 to 9 AM GMT to 14th August PM GMT. ether, btc and top 100 Cryptocurrency or Token can be used to purchase Cryptoriya token. Further details can be found at CRYPTORIYA TOKEN CREATION, RESERVES, AND BREAKDOWN Cryptoriya intends to raise 25,000 ETH from the pre-ico and the ico for further expansion, development and other growth activities. That is a total of 100 million cryptoriya tokens to be distributed to purchasers during the PRE-ICO and the ICO. 70% of the total tokens created will be sold during the pre-ico and the ico period. 14% of total tokens created will be allocated to cryptoriya founders, early investors, technology teams, existing and future employees of cryptoriya, and held in a pro-rata lock-in contract for at least six months. 7% of total tokens created during the ico will granted to advisors 5% of the total tokens created will be granted to the Bounty. P A G E 27

28 4% of the total tokens created will be allowed to the Partner & Agents. USE OF FUNDS A detailed breakdown of the use of funds is described here. Essentially, the funds will be spent on: P A G E 28

29 Cryptoriya smart contract generate CIYA TOKEN & send instantly to the user address, and trading should ideally commence on September 2018 when holders of the cryptoriya token can start trading and transferring their cryptoriya token. P A G E 29

30 CRYPTORIYA TOKEN USAGE: Can Be exchange with any other coin. Can be trade on exchange. User need CIYA token to buy or pay any fees for Cryptoriya service. User can withdraw cash from crypto card any time. User use it to withdraw cash around the world from our agents. User can be exchange it to deposit cash or transfer fund to their card. P A G E 30

31 P A G E 31

32 Our Road Map P A G E 32

33 10. Our Team GRINGAMOR GREENHAND Finance and Technology Gringamor Has Over Seven Years of In-Depth Experience Working in The Fields of Finance & Accounting. He Currently Based in Luxembourg Working with Global Private Equity and Real Estate Funds. Being Exposed to Daily Operations of Funds and Corporations. JENSINE MOLLER Software Developer A Professional Software Developer, Architect And Blockchain Evangelist, JENSINE Has Architected And Developed Complex And High-Load Projects With A Focus On Trading And Data Security. s GUILHERME AZEVEDO Blockchain Developer He has more than nine years of work experience in IT field and has a free hand on blockchain technology to fly any project. He is well versed with blockchain, and Cryptocurrency technology. He has a good experience in creating new coin/token based on ERC 20, waves, wallet system and exchanging platform as well as ICO launch landing page and dashboard. PHILIP JACOBSEN Financial Analyst Philip Is the Financial Analyst for The Cryptoriya Project Overseeing all three Financial Projections and Decisions and The Overall Economics of The Project. He Is Seasoned and Vastly Experienced. P A G E 33

34 LARA SANTOS Creative Design Lara has been working in the animation and post-production field for the last 3 years. Her talents include: illustrating, animating (character motion graphics), character design, sound design, video editing, effects and website design. MAHESH JONES Partnership Head With experience in marketing and business development strategy, JONES main role at Cryptoriya involves strategic alliances and true partnership development in both sales and product development. He has Possesses extensive knowledge of business/technology and a progressive, practical approach to organizational improvement. FERGUS GAMEZ Lead PHP Developer Lead frontend developer. Experience in building high loaded systems. Expert on data protection and cloud technologies. Experience in developing educational platforms. NICEPHORUS BEZRUKOV Hardware Developer Programming skills of STM32 and other microcontrollers with ARM architecture in the programming environment: Keil, Ride, Cosmic, STM32CubeMX, Simulink for embedded solutions; selection of optimal electronic components, development of circuit diagram with further PCB trace in the Allegro software environment. P A G E 34

35 Ryan Rodrigues Marketing Manager RYAN is a CRYPTORIYA marketing executive with more than 3 years of experience and has successfully built marketing campaigns for more than 25 start-ups in the blockchain field. YOGI GIBSON Public Relation Manger Strong public communication skills. Act as a support team in the cryptoriya group to help public/investors in understanding our projects and assist the user in any form of issue. MATHEUS BARROS Community Manager Matheus is an online community manager and social media strategist with 5 years of experience in developing projects and creating communities around products. His background is firmly grounded in online fin-tech marketing, hi-tech consumer products, and banking. Jaromir Kovalev Chief Technology Officer Kovalev leads to the blockchain, debit card, and mobile development teams. He holds seven years of experience in system design and software architecture. He built up a team of award-winning engineers and is an accomplished full stack developer with in-depth knowledge of Java, ios, Android platforms. He is also an avid blockchain enthusiast. P A G E 35

36 OUR ADVISORY PIPPIN PROUDFOOT Risk Analyst, Investment Adviser, Business Strategist. Pippin Has Over 15 Years Experience In Commercial Banking, Liquidity Risk, Treasury And Debt Capital Markets. He Specialises In Sourcing Talent For Ico Projects And Other Aspects of The Business. MARTIN FRIEDMANN Marketing, Community Management. MARTIN develops and manages HD Group s investor relations programme. He is responsible for robust and timely communication with investors and supports the production of marketing materials. He also participates in marketing due diligence meetings with investors and consultants. MARTIN has a background in digital marketing and extensive experience in building relationship networks. P A G E 36

37 FAUSTIN PRIMEAU He is a global leader in blockchain solutions. As one of the world s foremost experts on distributed ledger technology, FAUSTIN is committed to driving blockchainbased innovations to create value for clients and deliver disruptive changes in industries from financial services to retail. FAUSTIN and his team have helped customers across the world harness the power of blockchain. PATRICK HEYMANN PATRICK has spent the majority of his career as an investment professional managing securities portfolio for some of the world s top investment banks. With over 12 years of experience. It aims to become a fully regulated service provider for high-quality startups, nurturing them from seed capital through to ICO and potential IPO after that. PATRICK is an avid start-up investor and entrepreneur holding several investment advisories and board positions. P A G E 37

38 SHAWN SIMMS Asset management specialist with expertise regardless of areas, such as stock firms and insurance companies. He Has professionalism in stocks, bonds, alternative investments and portfolio management. TRAI CAO A Lead Technology and Banking Consultant With 25 Years Experience in Financial Services, Banking Regulation, IT And Cyber Security. Strong Analytical Skills and The Ability to Translate Findings into Clear Concise Specifications and Solutions Coupled With Good Asset Class Knowledge, Relational Database Skills, And A Strong Technical Background. Extensive Experience at All Levels of The Project Life-Cycle. Specialising in Stakeholder Management, Detailed Analysis, Target Operating Model, Process Design, Issue Management, Presentation, And Training, Planning, and Testing. A Technology Enthusiast Focusing on Regulatory, Cyber, Cloud, Blockchain, Crypto, Distributed Ledger Solutions And AI. P A G E 38

39 HASAN TURGUT Hasan is an experienced businessman and investor. His professional career spans from technical roles to management positions in various renowned companies. He also did good deals with GER100 and AUT100 companies about IT solutions and PLM integration. 10. CONCLUSION CRYPTORIYA CURRENCY EXCHANGE & ASSET MANAGEMENT LIMITED. Cryptoriya came in the market to break all the excessive rates of commission and middleman there will be a direct connection between users and cryptoriya through our official website Various members of the cryptoriya team have spent several years working professionally. Cryptoriya team has a member of unique ideas to make the life digital in Cryptocurrency. We have identified the Ethereum blockchain with its secure and transparent transaction, smart contracts and low fees as the technology that necessary to take that next step. Cryptoriya is an exchange where users get a wide variety of Cryptocurrency to exchange their desired currencies. Cryptoriya provides fiat option in worldwide it is unique features of our exchange. The cryptoriya is structured as a decentralized autonomous organization, incorporating elements of the decentralized exchange company. Cryptoriya provides a better solution to improve in exchanging Cryptocurrency. P A G E 39