The​ ​Token​ ​to Make Electronic Financial Services
More Accessible and Affordable

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The​ ​Token​ ​to Make Electronic Financial Services More Accessible and Affordable


Initial Coin Offering Launches on January 22th, 2018 at 12:00pm EDT


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This diagram demonstrates how users will be able to add funds to their VVToken debit card and increase value to their assets through the blockchain and our VV Smart Invest™ algorithm

VVToken intends to issue two versions of our CyberBank™ cards: one for individuals and another for corporate users. The CyberBank™ corporate card will offer premium features designed to rival those of traditional corporate cards.


Why blockchain?



Blockchain structure provides features like security, decentralization, and governance. VVToken’s blockchain, called the VVChain™, will have smart contracts managing open source program code anyone can read and validate, but no one can change. Because the VVChain™ is an incorruptible digital ledger designed to track economic transactions in multiple currencies, it can be programmed to record virtually anything of measurable value, not simply financial transactions.


Appreciating Asset Value



VVToken’s Smart Invest™ protocol, an automated transactional algorithm designed to monitor and react to cryptocurrency market conditions, allows VVtoken to leverage our cryptocurrency positions with the goal of reaping the best possible levels of appreciation of the digital crypto-asset classes in which VVToken participates. This algorithm manages VVToken cryptocurrency transactions. It will choose two or more of its resource pools for conversion into multiple cryptocurrencies. The Smart Invest™ protocol continuously monitors the cryptocurrencies’ market status, so it can move and reallocate resources according to the most favorable currency value and effectuate transactions aimed at increasing appreciation.

Products



The CyberBank™ Platinum Debit Card: To meet the needs of the unbanked and underbanked population who do not currently have a bank account or who simply desire to utilize banking services outside of the traditional financial system, we will issue a VVToken CyberBank™ Platinum Debit Card that can be used to purchase goods and services anywhere Visa cards are accepted. Our CyberBank™ Platinum Debit Card will also allow the holder to exchange local fiat currency for cryptocurrency. This card will automatically link to the VVToken CyberBank™ Wallet, a mobile app linking electronic management features with the user’s smartphone.

CyberBank™ Black Card: VVToken’s CyberBank™ Black Card will provide a platform that can be leveraged by individuals who prefer to minimize or eliminate intermediaries in their financial transactions, allowing for a near-instant transfer of value into and out of numerous currencies or for the exchange of value in a private and secure manner. This will provide the ultimate in flexibility, liquidity and anonymity. The debit nature of the card versus a typical credit card will allow for the user to smoothly exchange fiat currency into cryptocurrency.



VVToken will continue to leverage our platform to create new and innovative methods to send money through digital, mobile, and retail channels to meet the financial needs of both businesses and consumers. We intend to partner with a diverse network of transactional providers, from leaders in global payment services such as Western Union and MoneyGram to local and regional retailers such as convenience store chains, pharmacies and supermarkets enabling users to deposit a cash transaction directly to their CyberBank™ Wallet. Available funds in the CyberBank™ Wallet can be used to purchase goods and services anywhere a Visa debit card is accepted.

How it Works


The VVToken is a new Ethereum ERC20 token that provides a financial solution that allows people to work in both fiat and cryptocurrency from the same platform. The user will add value to the card in a fiat currency. and asset appreciation of the user’s balance can be achieved through VVToken’s Smart Invest™ protocol The card can also be used as a normal debit card.



Timeline



VVToken Management Team

VVToken Board of Directors


 

Lucas Sodre

Chairman of the board

RJ Gosselin PhD

Board Member

Alex Villicaña

Board Member

 

Our Advisors


 

Roberto Cardassi

Engineer Adviser

 

Isaac Rodriguez

Engineer Adviser

 

Meet our team

Token Sale Terms



Hard cap on crowdsale: $22 million
Why unbanked people?

Why unbanked people?


Approximately two billion adults throughout the world do not have a bank account or other access to “formal financial services.”

Emerging market economies are expected to develop three times faster than developed nations and reach “a total of USD$6 trillion by 2020.”

39% of the world’s population and up to 20% of U.S. households are either unbanked or underbanked.

2018 Project Timeline

  • AprilFirst stage: The Initial Path

    VVCard Visa and Cyberbank™ app.
  • JuneSecond stage: The Initial Path

    Smart Invest™ integrated with Cyberbank™ platform
  • JulyThird stage: The Expansion

    C*Commerce™ available in at least 4 countries
  • DecFour stage: The consolidation

    The Cyberbank™ platform is now well spread. C*Commerce™ available in several countries

FAQ

Get Answers: Frequently Asked Questions



VVToken was founded to provide a platform offering payment security and mobile affordability that utilizes the security and reliability of the blockchain while delivering an asset appreciation of the user’s balance. VVToken delivers two principal products on this platform. First, the CyberBank™ Platinum Debit Card, an easy-to-get debit card for unbanked and underbanked people. These are typically lower-income consumers who are restrained by the cost of mobile services and don’t have a debit card or bank account because of their personal financial situation. The other product is the CyberBank™ Black Card, a cryptocurrency-based debit card delivering a platform that can be leveraged by individuals who prefer to minimize or eliminate intermediaries in their financial transactions. In addition, the CyberBank™ Black Card will allow for a near-instant transfer of value into and out of numerous currencies or for the exchange of value in a private and secure manner. This will provide the ultimate in flexibility, liquidity, and anonymity for high-net-worth individuals. The main technology behind both of these products is blockchain, widely defined as a digital ledger in which transactions made in Bitcoin and Ethereum or other cryptocurrencies are recorded chronologically and publicly.
We believe there is tremendous opportunity for the blockchain to augment our current offerings and become the foundation across all of our products and services, given its decentralized and secure ledger system. VVTokens chose to raise funds through an ICO because it is a better fit our business model as a blockchain company that seeks to provide an international financial solution providing a broad spectrum of services to a diverse array of users. For those who aren’t active participants in the centralized and heavily regulated banking industry, VVToken will provide low-threshold access to several financial services via a prepaid debit card targeted to low-to-middle income users. For individuals of means, who are seeking an elegant methodology that allows them to capitalize upon the features and flexibility of combining cryptocurrency and fiat currency in a single financial platform, VVToken will provide a feature-rich CyberBank™ Black Card that will enable them to smoothly switch currencies using a VVToken blockchain called VVChain™.
Blockchain structure provides features like security, decentralization, and governance. VVToken’s blockchain, called the VVChain™, will have smart contracts managing open source program code anyone can read and validate, but no one can change. Because the VVChain™ is an incorruptible digital ledger designed to track economic transactions in multiple currencies, it can be programmed to record but virtually anything of measurable value, not simply financial transactions.
A Cryptocurrency that it will be exchanged from the user wallet to other cryptocurrencies to speculate the value through our Smart Invest™ algorithm.
VVToken will use the funds in the ICO crowdfunding token sale to develop our market worldwide and to fund the final development and launch of its new blockchain consumer finance platform, CyberBank™.
The goal is to raise the equivalent of USD$30 million in ETH by selling 1,500,000,000 VVTokens. We do not plan to have a follow-on offering.
ETH will be accepted in the crowdsale. You will be required to have an Ethereum wallet pointed at the token/crowdsale address to participate in the crowdsale.

VVTokens are Ethereum derived tokens. If you hold BTC or some other crypto-currency it can be exchanged for ETH and used to participate in the crowdsale.
The goal is to raise the equivalent of USD$30 million in ETH by selling 1,500,000,000 VVTokens; this will determine the exchange rate, which will be set immediately before deploying the contract. Following the ICO, the value of VVTokens to ETH will float according to the market. There is no plan to have a follow-on offering. Crowdsale purchased VVTokens will be transferable once the ICO closes.
The crowdsale will begin on December 5, 2017 at 12:00pm EDT and remain open for 30 days or until 1,500,000,000 VVTokens have been sold and the hard cap is reached, whichever occurs first.
VVToken will use an Ethereum multisig cold sotorage wallet to store ETH. Company executives will be the owners of the wallet.
Crowdsale purchased VVTokens are immediately transferable.

• VVTokens can be transferred into and out of the VVToken Internal VVToken Ledger.
• VVToken is a product, not a security.
1. Give the bank benefits for those unbanked and underbanked.
2. Provide the ability to generate an asset appreciation of the user’s balance from cryptocurrencies.
3. The debit card can be used as any other regular debit card
4. Secure the money in a decentralized ledger
5. Remittances via blockchain decentralization.