The world uses crypto-currencies hard. According to coinmarketcap.com, the capitalization of the crypto currency as of April 11, 2017 was 28 122 800 000 US dollars. As of April 11 this year, this figure is 270 671 000 000 US dollars. Despite the recent active growth of this indicator and its subsequent decline in early 2018, in general, over a long period of time it is obvious that the crypto-currency capitalization is growing.
Participation of users can be estimated by the number of wallets. According to statistics from Cambridge University in 2017, from 5.8 to 11.5 million wallets are considered "active", and the total figure is 35 million, according to 2016. Compared to 2013, their number has increased 4-fold.
Growth is supported by the legislation of many countries, which are already beginning to draw an analogy between fiat and crypto-currencies. For the previous year 2017, the Crypto currency has been given legal status as a legal method of payment or "private money" in more than ten countries: Japan, Singapore, Gibraltar, Cyprus, Estonia, Hong Kong, Czech Republic, Belarus, Poland, Germany, Georgia, Armenia, etc. This means that this sphere will not do anything, but develops in the future.
SYSTEM PRODUCTS
Stage 1. Current state of the system
The ecosystem of a classic bank is the first stage of the implementation of our project. In this version, all operational accounting will be implemented in a typical centralized banking information system (BIS). At the moment, the personal account of any bank user allows you to register and perform the following typical actions:
- creation of accounts in currencies fiat: USD and EUR
- creation of wallets: BTC and ETH
- transfers to the currency between users (P2P)
- transfer in crypto-currencies between users (P2P)
- crypto-fiat exchange p2p between users
- purchase and sale of crypto currency for the user
- crediting and debiting of exchange rates
- credit and debit crypto
At the moment, the personal user account of the bank has already realized the opportunity to register and perform the following typical actions:
- Creating accounts in US dollars and euros
- Creating Wallets: BTC and ETH
- Transfer in currency between users (P2P)
- Transfer in crypto-currencies between users (P2P). • Crypto-fiat P2P exchange between users.
- Purchase and sale of crypto currency.
- Deposit and withdrawal of cash currency.
- Deposit and withdrawal of the crypto currency
Stage 2. Platform with API connections
At the next stage of the project, ZODIAQ, following the provisions of the second EU payment directive (PSD2), will unite the representatives of the banking segment. Two key tools of the new platform will be developed and introduced: a provider of payment initiation services (PISP) and information service providers (AISP). The functions of the API services are as follows:
- registration, certification and transfer of orders for funds transfer;
- analysis of data and provision of information about the client's personal finances, recommendations for more effective management of savings, etc.;
- provision of information to third parties (for example, to assess the borrower's solvency).
Using its own banking services, which will actively develop at this stage, ZODIAQ will be one of the first in the world to perform operational testing of formalized PSD2 provisions and the implementation of new protocols.
Stage 3. Payment platform block
The global banking system and, in particular, the ZODIAQ team are looking for this option. At this stage of implementation, the core of the bank becomes digital and goes online. The bank becomes decentralized. As a result, all payment agents begin to communicate with each other. For example, such agents may be paid platforms, banks and payment services. At this stage, everything around the decentralized platform block is transformed into an API channel. The core of the bank acquires tools for integration with any types of payment agents. In addition, customers and legal entities can be platform clients. During this implementation, the platform payment platform could completely replace SWIFT.However, it is clear that SWIFT will remain the largest player in the financial market for a long time,
Locking platform
The block platform serves to deploy the platform at home, rather than developing an API service from the very beginning. Services provided by our broker platform:
- providing balance cards;
- securing payments;
- ensuring the security of payments.
This will be the first stable working solution, which will allow banks to accept crypto-currencies in their regular turnover.
Using the ZODIAQ ecosystem as a multi-purpose cloud-based financial infrastructure with an open API:
ZODIAQ strives to create a flexible platform based on an open API that allows the use of blockchain technology, creating an ecosystem of relationships between banks, sellers of goods and services, consumers, fiinte companies and regulatory bodies, becoming a key link in daily transactions.
Using our platform, users will be able to make transactions almost instantly and customize their own end applications and services without creating an infrastructure, establishing integration with legislation, formalizing interaction with payment services in each new country and with each new bank from the very beginning. Since the platform already has technological and legal integration, it can connect a new player cheaper and faster.
ZODIAQ provides for improved security requirements that provide reliable client authentication (SCA) with online access to the account, the transfer of an electronic transport order and provide specific security requirements for the channels used to transmit user data.
The ZODIAQ platform through the open API provides data exchange with external information systems and provides them with various ready-made services.
SYSTEM COMPONENTS
- ZODIAC CARD
Like your usual map. Easy and convenient - you can pay for anything you want, and withdraw from ATMs.
You can choose to have your card work with your fund with a fiat or crypto account.
It's easy to switch between them via a mobile or web application.
- SMART PURSE
Function as a cold wallet to safely and conveniently store crypto currency. Non-contact payment NFS.
Tie up your third-party bank card.
Receive payment as a POS-terminal, including transferring NFS or fiat and crypto-isolation between the gadget.
Smart wallet is equipped with a screen with electronic ink, wifi, bllooothooth and GSM-module, and it connects to a computer or Mac via USB.
The prototype function already exists.
- CRYPTOFIAT BANK
Our fully licensed and legal bank is the heart of our ecosystem. He provided the following services:
~ Bank account in both fiat and cricket
~ Deposit in Fiats and Curves
~ Instant money transfers
~ All other traditional banking services
~ Visa / Master card with BTC and other major crypto currencies as card currency
- CRYPTO EXCHANGE
~ Intuitive and multifunctional trading terminal
~ All the main technical parameters of the analysis
~ A wide range of financial instruments
~ Variants of deposits and withdrawals of Instan, including bank card ZODIAC
~ Hedging, trading the index of 10 basic crypto conversions to avoid a significant change in the speed of any particular pair
- HEDZ-FUND
Control system based on AI. Our Artifial Intelligence system uses extensive data analysis and in-depth training for machines. We have anatomized successful strategies and scenarios for creating a wide range of investment opportunities in crypto-competitions and in the relevant market. At the moment, the trading algorithm is tested on the Poloniex Exchange, and it fulfilled more than 100% of the profit up to the first 20 days.
- PAYMENT SYSTEM
Like your usual bank card. Easy and convenient - you can pay for anything you want, and withdraw from ATMs.
You can choose to have your card work with your fund with a fiat or crypto account.
It's easy to switch between them via a mobile or web application.
ROAD MAP
2017
INFRASTRUCTURE
Acquisition of a trust fund (financial institution) Nordic Heritage Trust
February 2017
Receipt of SWIFT, FATCA, AML for trust fund
April 2017
Opening of accounts with Wells Fargo Bank
May 2017
BANK
Beginning of the development of the banking platform
July 2017
Beginning of registration of documents at the bank
September 2017
Obtaining a banking license
December 2017
EXCHANGE
Beginning of the development of the exchange platform
February 2017
HEDZ-FUND
Beginning of development of a passive element of hedge fund management (purchase / retention), interface development, collection of large data of price data and fundamental indicators
August 2017
Test algorithm of testing
December 2017 - January 2018
2018
BANK
Obtaining FATCA / GIIN for a bank
January 2018
Receiving SWIFT for a bank
February 2018
Start testing the MVP banking platform
February 2018
Opening of accounts in crypto-currencies
April 2018
Opening of accounts in fiat currencies
May 2018
P2P transfers
May 2018
Exchange P2P with Deposit
May 2018
Visa / MasterCard
October 2018
Credits secured by a crypto currency
December 2018
Mobile banking application
December 2018
EXCHANGE
Testing the launch of the exchange
January 2018
Transferring Exchange to Business Servers
September 2018
HEDZ-FUND
Obtaining a license for a hedge fund
October 2018
Getting started with a hedge fund
October 2018
PAYMENT SYSTEM
Multi Crypto currency accounts
February-March 2018
2019
BANK
NFC cards and POS-terminal
Q1 2019
EXCHANGE
Margin Trading
Q4 2019
PAYMENT SYSTEM
Own processing service
Q2 2019
Getting a crypto currency
Q2 2019
Open API
Q4 2019
COMMAND
Oliver Kempkens: CEO
Alexander Gorbov: CVO, Co-Founder
Pavel Dmitriev: CMO, co-founder
Eric Shekhmametov: Chief Operating Officer, Co-Founder
Vyacheslav Grachev: CTO
Ilya Churakov: Marketing Strategy Advisor
ADDITIONAL INFORMATION FOLLOW-UP:
Website: https://www.zodiaq.io/
Technical documentation: https://zodiaq.io/file/ZODIAQ_WP.pdf
Facebook: https://www.facebook.com/ZodiaqCorp/
Twitter: https://twitter.com/zodiaq_io
Bitcointalk: https://bitcointalk.org/index.php?topic=3411516.0
Medium: https://medium.com/zodiaq
Telegram: https://t.me/zodiaq_group
Authors: Loksyun
My Profile Bitcointalk : https://bitcointalk.org/index.php?action=profile;u=1886140;sa=summary
My ETH: 0xd0d8c8e966efC43d681a33f2536fD44AfDf8c827
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