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Table of Contents
IMPORTANT DISCLAIMER 2
About ZIPCOIN 6
Market andIndustry Info 8
Comparison Chart 8
PROBLEM STATEMENT 9
THE ZIPCOIN SOLUTION 10
Trading Digital Currencieswith ZIPCOIN 10
THE ZIPCOIN MAIN DIFFERENTIATORS 13
ZIPCOIN Economy 15
The ZIPCOIN Community Governance 16
THE ZIPCOIN COMMUNITY 17
THE ZIPCOIN GROWTH AND ADOPTION 18
THE ZIPCOINBUSINESS MODEL 20
Token Specification 20
ZIPCOIN Token Pre-sale 21
Use Of Proceeds 21
Token Distribution 22
Excluded Countries 23
ARCHITECTURE OF THE ZIPCOIN EXCHANGE ENGINE 24
ZIPCOIN Exchange Architecture 25
ZIPCOIN Exchange Features 25
THE ZIPCOIN TOKEN 26
Monitoring and Control 27
THE ZIPCOIN ROADMAP 28
RISKS AND RIGHTS OF ICO PARTICIPANTS 29
THE ZIPCOIN EXCHANGE AND ADVISORY TEAM 31
This document is a vision document and should not be considered a specification. This is for
general informational purposes only and may change as the Platform is developed over
time. ZipCoin is not intended to constitute a regulated product in any jurisdiction. This
explanatory note does not constitute advice to purchase ZIPCO token nor should this note
be relied upon in connection with any contract or purchasing decision.
To the maximum extent permitted by law, ZipCoin and/or its affiliates shall not be liable for
any indirect, special, incidental, consequential or other losses of any kind, in tort, contract or
otherwise (including but not limited to loss of revenue, income or profits, and loss of use or
data), arising out of or in connection with any acceptance of; or reliance on this Whitepaper
or any part thereof by you.
RECIPIENTS ARE SPECIFICALLY NOTIFIED AS FOLLOWS:
No offer of securities: ZipCoin (as described in this Overview) is not intended to constitute
securities in any jurisdiction. This Overview does not constitute a prospectus nor offer document
of any sort and is not intended to constitute an offer or solicitation of securities or any other
investment or other product in any jurisdiction.
No advice: This ZipCoin Technical White Paper (WP) does not constitute advice to purchase any
ZipCoin (ZIPCO) tokens nor should it be relied upon in connection with, any contract or purchasing
Please read this entire section and do not take any actions until you finish it. This white
paper is a summary of ZipCoin or ZipCoin Exchange or ZipCoin Remit or simply
known as “ZipCoin” business model, technology, and brief introduction to “ZIPCO”
token distribution principles.
ZIPCO token distribution is considered to be a free Epic Operating System (EOS)
token distribution campaign. Detailed terms and conditions of the distribution
campaign will be released and published on ZipCoin webpage.
After carefully reading this Whitepaper and still have any concerns, please consult your
Legal, Tax, and Financial advisor for next action or step totake.
Without permission, anyone may use, reproduce or distribute any material in this white
paper for non-commercial and educational use (i.e., other than for a fee or for commercial
purposes) provided that the original source and the applicable copyright notice are cited.
No representations: No representations or warranties have been made to the recipient or its
advisers as to the accuracy or completeness of the information, statements, opinions or matters
(express or implied) arising out of, contained in or derived from this Overview or any omission
from this document or of any other written or oral information or opinions provided now or in the
future to any interested party or their advisers.
To the fullest extent, all liability for any loss or damage of whatsoever kind (whether foreseeable
or not) which may arise from any person acting on any information and opinions contained in this
Overview or any information which is made available in connection with any further enquiries,
notwithstanding any negligence, default or lack of care, is disclaimed.
Risk warning: Potential purchasers should assess their own appetite for such risks independently and
consult their advisors before making a decision to purchase any tokens.
Translations: This Overview and related materials are issued in English. Any translation is for
reference purposes only and is not certified by any person. If there is any inconsistency between
a translation and the English version of this Overview, the English version prevails. Unless
otherwise stated, all references to “$” and “dollars” in this Overview pertain to United States
This Overview has not been reviewed by any regulatory authority in any jurisdiction.
References in this Overview to specific companies and platforms are for illustrative purposes only.
Other than ZipCoin LLC or ZipCoin Remit Ltd and or the Foundation, the use of any company
and/ or platform names and trademarks does not imply any affiliation with, or endorsement by,
any of those parties.
NOREPRESENTATIONS AND WARRANTIES
ZIPCOIN and/or its affiliates do not make or purport to make, and hereby disclaim, any
representation, warranty or undertaking in any form whatsoever to any entity or person,
including any representation, warranty or undertaking in relation to the truth, accuracy and
completeness of any of the information set out in this Whitepaper.
CAUTIONARY NOTE ON FORWARD-LOOKING STATEMENTS
This Whitepaper contains “forward-looking statements,” as that term is defined in the Private
Securities Litigation Reform Act of 1995, concerning the business, operations and financial
performance and condition of ZipCoin. Words such as “anticipate,” “estimate,” “expects,” “plans,”
“believes,” “projects,” “intends,” “will” and words and terms of the similar substance typically
indicate forward-looking statements.
Furthermore, all statements regarding ZipCoin’s and/or its affiliates’ financial position, business
strategies, plans, and prospects and the future of the industry which ZipCoin and/or its affiliates
are in are forward-looking statements.
These forward-looking statements, including but not limited to statements as to ZipCoin and/
or its affiliates’ revenue and profitability, prospects, future plans, other expected industry
trends and other matters discussed in this Whitepaper regarding ZipCoin and/or its affiliates
are matters that are not historical facts, but only predictions.
All forward-looking statements are ZipCoin’s present expectations of future events and are
subject to several factors and uncertainties that could cause actual results to differ materially
from those described in the forward-looking statements. These factors and uncertainties
include, amongst others:
Changes in political, social, economic and stock or cryptocurrency market conditions,
and the regulatory environment in the countries in which ZipCoin and/or its affiliates
conduct its respective businesses and operations;
The risk that ZipCoin and/or its affiliates may be unable or execute or implement
their respective business strategies and future plans;
Changes in the anticipated growth strategies and expected internal growth of ZipCoin
and/or its affiliates;
Changes in the availability and fees payable to ZipCoin and/or its affiliates in
connection with their respective businesses and operations;
Changes in the availability and salaries of employees who are required by ZipCoin
and/ or its affiliates to operate their respective businesses and operations;
Changes in preferences of customers of ZipCoin and/or itsaffiliates;
Changes in competitive conditions under which ZipCoin and/or its affiliates operate,
and their ability to compete under such conditions;
Changes in the future capital needs of ZipCoin and/or its affiliates and the availability of
financing and capital to fund such needs;
War or acts of international or domestic terrorism;
Occurrences of catastrophic events, natural disasters and acts of God that affect the
businesses and/or operations of ZipCoin and/or its affiliates;and
Other factors beyond the control of ZipCoin and/or itsaffiliates.
You are cautioned not to rely upon any such forward-looking statements, which speak only
as of the date they were made. ZipCoin is not under any obligation, and expressly disclaims
any obligation, to update or alter any forward-looking statements, whether because of new
information, future events or otherwise.
All subsequent forward-looking statements attributable to ZipCoin, its affiliates or any person
acting on their behalf are expressly qualified in their entirety by the cautionary statements
referred to in this section.
Neither ZipCoin nor any other person represents warrants and/or undertakes that the actual
future results, performance or achievements of ZipCoin and/or its affiliates will be as
discussed in any forward- looking statements. The actual results, performance or
achievements of ZipCoin and/or its affiliates may differ materially from those anticipated in
these forward-looking statements.
ABOUTZIPCOIN | Remittance meets blockchain.
ZipCoin is a blockchain based decentralized remittance and payment solution which will enhance
businesses and individuals in the $104B remit industry.
ZIPCO token revolutionizes the remittance industry with the creation of its EOS blockchain
powered payment system, which facilitates all types of remittance businesses a safe, secure,
swift and reliable payment solution.
The ecosystem guarantees safety and reduces rejections that people sending money to their
families have to face when they want to send or remit money using the financial institutions.
To make financial transactions easy and to get rid of the conventional payment methods, the
company introduces its ZIPCO token, which makes all remittance transactions possible for remit
It is a community, employee-owned, operated ICO and trading exchange designed to decrease
existing barriers to entry in blockchain technology for all users across the globe.
With the introduction of its EOSIO based ZIPCO token, the company not just wishes for its token
to become one of the leading digital currency, but it also wants to replace fiat currencies with its
own cryptocurrency in the multi-billion dollar remitindustry.
Thus, the ZIPCO token is designed to primarily serve as a solution to a major problem, becoming
a valuable token and highly used for millions of businesses and individuals. This whitepaper will
explain the details of this vision and exactly how we see it coming to fruition.
To touch the lives of our communities, where a large share of the African remit market uses
one unified token; ZIPCO, for all their transactions.
Through inspired team members, we aim for ZIPCO token to become the principal payment
solution which will largely replace fiat currencies in the multibillion dollar remit industry
over the course of several years
What is ZipCoin Claiming to Solve?
We are by far a better alternative to many other remittance businesses in the Money
Services Business (MSB) that charges customers high processing and foreign exchange
rate fees. All businesses in the industry have two consistent things in common; they are
related to the remit industry and they have a problem with their payment providers.
Banned from payment providers
Lack of Peer- to-Peer remitting
We have identified the most pain points of de-centralized and centralized exchanges;
Market illiquidity and volatility
Insecurity of crypto trading
Lack of Peer- to- Peer trading
Poor customer support and security
Lack of inclusiveness and presence in emerging markets and
Complicated Systems for users to navigate
Lack of tangible ROI besides Capital gains on your token
ZipCoin’s Solution to the Problems
“Businesses make more profits while consumers spend less”
ZIPCO token will approach all the aforementioned markets and offer
a reliable payment solution;
Full ownership of money: (Digital currencies are independent of any
Low fees: (The payment providers who do allow accounts for remit,
ICO & blockchain industry related businesses and individuals
charge very high fees, because competition is almost non-existent).
This instantly means businesses make more profits while
consumers spend less.
Security: (The infrastructure which underpins the blockchain
technology carries a huge advantage for the banking sector of any
industry. Through blockchain data of transactions is stored across
vast networks of computers that constantly check and verify
information with each other. The blockchain system is near-
impenetrable even to the brightest cyber-minds
Guaranteed anonymity: (Due to the EOSIO based blockchain
platform, digital currency transactions will allowguaranteed
anonymity. Once KYC has been completed once, the customer will not be asked for an ID
each time she/he sends money online via our portal; unless specified.
A united currency: (Once more and more customers join ZipCoin,
the use of ZIPCO token in the industry will eliminate large
transaction costs, because all transactions will eventually be made
through one united currency.
Helping our customers: (With ZIPCO tokens customers can enjoy
financial freedom, control their account and receive their payments
directly, securely, swiftly, without large fees and with full anonymity
towards the paying end.
1. Matching Engine- As defined in our whitepaper; high end processor that is capable of
handling high customer and transactions numbers- upto 100 million orders/second,
making ZipCoin Exchange one of the fastest exchanges in the markettoday.
2. Device Coverage- we are providing cross platform tradingfor;
Web based trading
iOS and mobile iOS
3. Blockchain education, collaboration sessions, meet ups and communityawareness
4. Increased digital wallet support- keep 95% of customer’s tokens in coldwallet
5. Simplified and easy to use system
6. Promote employee and community owned business- introduced equity and share
ownership based on your purchase.
7. ZipCoin project is backed up by talented, experienced and multiculturalprofessionals
8. ZipCoin cares about Liquidity- means how quickly you can get your hands on you most
wanted currency by exchanging it for another currencies. Partnering with most banks in
the world provide us a platform to liquid your digital to fiatcurrency.
How does ZipCoin make Profit?
Trading fees ( sell vs. buy price)
Our fee incentivization is made possible by ZIPCO EOS tokens which are integral part our
exchange. Customer can use ZIPCO to pay for any of the fees on the platform. (BIG Savings to our
customers) Apart from this when you, the customer uses our “ZIPCO” token to pay for fees, you
will receive a significant discount according to the below- shown schedule.
52% 27%% 14.5% 7.5% No
ZipCoin Remit will play a major role in increasing the ZipCoin (ZIPCO token utility value. The
ZipCoin Remit will be integrated with ZipCoin Exchange and will be using laws of Math, law of
supply and demand to drive the ZIPCO price up. The higher the transaction volume, the higher the
ZIPCO price; demand will push the “ZIPCO” token price upward, increasing the worthiness of the
token and make it scarcer to the general public.
So it wouldn’t be wrong to say that the price of ZIPCO will continue to go up because people
own shares, equity, dividends, token buy outs, free discounts and as the users of the ZipCoin
remit are continuously sending and remitting money back to their home countries.
Providing trading options and match pairing for various digital currencies with a nominal 0.1%
trading fee- far cheaper than most of our competitors
It is also clear from the business model that our price of ZIPCO will be strictly driven by our remit
transaction volume, business incentives and profits that will eventually be used to destroy 50% of
all ZIPCO tokens.
To achieve this, we are engaging grass roots campaigns for organic business growth, innovative
and creative’s programs such as ZipCoin Angel Program, The Community Coin Per Month, the
ZipCoin API Coding Competition and various awesome gateways.
Last, but not least, to ensure that everyone participate with ZipCoin ends up in a win-win situation,
every quarter will use 20% of our profit to buy back our ZIPCO and destroy them until they
eventually buy 50% of all the ZIPCO (100 million) back.
Through blockchain technology, ZipCoin shall be a robust, simple, secure and easy to use
cryptocurrency trading platform designed for everyone, anyplace and anytime.
ZipCoinExchange engine is a digital market where online traders can buy and sell bitcoins
and altcoines at market established exchange rates. It is an online platform that acts as an
intermediary between buyers and sellers of cryptocurrency.
ZipCoin Exchange will have commission fees for transactions that apply to each completed
purchase and sale order conducted through the exchange.
The rate depends on the volume. Included in the ZipCoin platform, is the ZipCoin Trade
engines, the ZipCoin Customer Support, first-class security system, Know Your Customer”
(KYC), the ZipCoin bank partnerships, transaction history and liquidity on the ZipCoin
exchange, the secure ZipCoin wallets and an advanced Admin dashboard for regulating the
activities within the Trade Exchange.
As we grow, ZipCoin shall incorporate banking services using our Financial Service Providers
(FSP), Word of Mouth (WM) and Referral Community Program to advocate, educate and
provide awareness around blockchain technology.
The ZipCoin team has experienced and seasoned professionals from various backgrounds
and skill sets. This diverse background will enable the team to understand other cultures,
collaborate, engage and work in tandem while driving results and high customer satisfaction.
The ZipCoin token will be used for fee payments while operating the Exchange. Our
technology shall integrate the Banking processes with the exchange to enable the users the
ability to deposit and withdraw fiat money at any given user, place and time.
Yes, the ZipCoin platform shall provide services and products that actually solve people
MARKET AND INDUSTRY INFORMATION
This Whitepaper includes market and industry information and forecasts that have been
obtained from internal surveys, reports and studies, where appropriate, as well as
market research, publicly available information and industry publications. Such surveys,
reports, studies, market research, publicly available information and publications
generally state that the information that they contain has been obtained from sources
believed to be reliable, but there can be no assurance as to the accuracy or
completeness of such included information.
While ZipCoin has taken reasonable steps to ensure that the information is extracted
accurately and in its proper context, ZipCoin has not conducted an independent review
of the information extracted from third party sources, verified the accuracy or
completeness of such information or ascertained the underlying economic assumptions
relied upon therein.
Consequently, neither ZipCoin or its respective directors, executive officers and
employees acting on their behalf makes any representation or warranty as to the
accuracy or completeness of such information and shall not be obliged to provide any
updates on the same.
ZipCoin will emerge as the fastest growing digital currency exchange in USA and
Canada creating its own identity and branding against these three exchanges-
Coinbase, QuadriagaCX, Coinsquare and Einstein Exchange. Coinbase a partial digital
exchange with limited functionality; a user can only buy and transfer BTC, Bitcoin Cash,
Litecoin, and ETH.
Market Opportunity and Strategy
It all starts with the question “what is the point of ZIPCO token?” our answer is simple:
Improving one of the biggest industries in the world, which has grown to become a
multi-billion dollar industry. We want to create a digital currency which will unify all
sectors of the remit industry making financial transactions safe, less costly and
The opportunity starts with the problem: despite its magnitude the remit industry continues to be
frowned upon at best and completely rejected by financial institutions at worst. While there are
many customers of the industry it is still an industry where ‘high fees’ are the norm and low fees
is almost non-existent, however over the decades this is an industry which has fought against all
difficult to access payment solutions and taken advantage of every new technological
development to climb the ladders of success. The blockchain technology is the exact revolution
it needed to rid itself of all remaining attachments to remit payment solutions, bureaucracy and
discrimination. We have located all the separate problems and found a solution for them.
The market opportunity lies in the fact that this industry is huge with millions of customers, and it
has proven to bring in large and competitive revenues in many countries around the world.
Over the next two years, ZIPCO token will aim to partner in with these affiliates, partners,
agents, businesses, both big and small. Even a small percentage will constitute hundreds of
online businesses offering ZIPCO token as a payment solution and creating a large circulation
which will give the token value.
Once ZIPCO becomes the mainstream way to purchase and get paid for remit-related
transactions everything changes; bigger companies will join in and add us as a payment method
whilst new businesses and customers will choose us as an easy and safe choice for opening
QUADRIGACX COINSQUARE COINBASE
N/A N/A N/A
FEES 0.045% 0.25% 0.2-0.5% 0.1-0.2% VARIES
YES YES YES YES N/A
SUPPORT YES YES NO NO N/A
YES YES YES YES
5.85% 7.5% N/A 10% USA-
In its current state of development, blockchain technology is largely inaccessible to the vast
majority of people due to limited awareness of the technology, its complexity, exclusion of
some countries, and lack of user-friendly decentralized applications or “dApps”.
Although progress is being made, there is much to be done before blockchain technology is
accessible enough to the average user and can become the revolutionary technology we
know it can be.
Without an effective and efficient means to obtain blockchain tokens, one cannot expect the
vast majority of consumers to engage in the emerging blockchain business sector. No matter
how innovative or inexpensive a blockchain dApp might be, if a consumer needs to weave
through numerous transactions and run the risk of losing their funds during each transaction,
it’s not a stretch to suggest that widespread adoption of blockchain technology is unlikely until
this problem is solved.
ZipCoin intends to close the gap for users and service providers by creating a compliant
financial services account allowing both users and merchants to buy and sell the bulk of
available blockchain tokens in two transactions.
Through the integration of a globally compliant financial services institution and digital
currency trading platforms, users will only need a single account to store, buy and trade their
With the native infrastructure available via a fully programmable blockchain ecosystem,
developers need not look further to build and deploy their dApps. Our platform provides the
compute power and data storage to host the dApp’s software securely and is more cost-
effective than legacy cloud or hardware server deployment.
Combined with an integrated suite of financial services, we believe customers and
developers will find the ZipCoin blockchain meets all of their needs to launch their dApp. In
addition, developers, customers, and business partners can feel confident in the full
compliance of our user accounts and financial services.
A secure, compliant and cost-efficient foundation with integrated financial services provides
the infrastructure to build a vibrant ecosystem of dApps.
WHY E_OS blockhchain technology not ETHereum
A lot more people are coming to the blockchain space. While cryptocurrencies are the main
welcoming force, these coins are still a preserve of the tech enthusiasts; a lot like unique toys
for members of an insiders’ club.
Among the noted hurdles to mass adoption has been the ease with which people can trade
the coins. Most exchanges aren’t user-friendly and demand a lot from users e.g. exchange on-
boarding is very confusing, user interface (UI/UX) is difficult to navigate, KYC/AML process is
too long, bad customer support, etc.
A few measures have been proposed, including improving the scalability of existing
blockchain networks and making crypto exchanges more user-friendly. Now, the ZipCoin
Project is introducing other feasible measures and strategies. We envision a system that
adopts the cycle illustrated below.
The ZIPCOIN Solution
DEPLOY: a flexible and adaptive blockchain infrastructure capable of hosting applications
developedin any programming language.
INTEGRATE: natively with existing financial infrastructures by leveraging blockchain technology
to develop a financial institution, tools, and services.
RECYCLE: profits within the economy, to fund investment in the ZipCoinCoinNetwork and the
community, via the ZipCoinCoinIncubator.
LEVERAGE: existing blockchain platforms, tools and services to create partnerships
and reduce the need to develop every necessary component from scratch.
REDUCE/ZIPCOINCOIN: barriers to adoption for users, business partners and developers.
BUILD: a new economic model that rewards businesses and customers for their
Participation in the ZipCoinCoin economy.
HOW DOES ZIPCO TOKEN FUNCTION?
Visit our websites and create your account- (customer account vs. businessaccount)
Complete our KYC for Anti Money Laundering (AML) purposes. This process is only
Verify your account
Fund your account or transfer your digital currency from another platform
Buy ZIPCO tokens
Trade, Remit and or hold your ZIPCO tokens
You choose ZIPCO Token as a payment method and reach the payment page.
Now, you enter the amount of ZIPCO Tokens you want to convert toUSD.
You make use of your crypto wallet, for example; ZIPCO Wallet, and pays 100 ZIPCOs
Our website receives 100 ZIPCOs in its crypto wallet and unlocks, unfreezes and
convert your ZIPCOs into USD
The conversion rate, amount, date is displayed
Select beneficiary payout method- (i.e. payout location, bank account,mobile payment)
a. If bank account -enter the beneficiary bank account, and phonenumber
b. If payout location- enter location
c. If mobile payment- enter mobile phone #
Hit submit or cancel
The money is sent or transaction is cancelled
The transaction is complete. ( sent scenario)
Our system will send notification to the beneficiary regarding thepayment
Once payment is received, the sender is notified
THE CURRENT PROCESS TO BUY & SELL DIGITAL
The user creates an account with Coinbase. Verification can take up to 24hours.
Users account is approved, and transfer of fiat is initiated taking anywhere between 4-7
days. 1% of transaction costs.
The user purchases Bitcoin, taking several minutes- 3-7% of transactioncosts.
The user transfers Bitcoin to their preferred exchange, taking anywhere from 10
minutes to several hours. FEES VARIABLE.
User instantly purchases alternative digital currency using Bitcoin. FEES 0.25-1% of
User downloads and installs wallet and transfers currency from exchange to wallet. To
download the blockchain transaction history can take severaldays.
The user transfers currency from wallet to exchange taking anywhere from 10 minutes
to several hours. Fees Variable.
User initiates sell order on exchange instantly at market price. 1% of transactioncosts.
The user transfers Bitcoin to Coinbase taking anywhere from 10 minutes to several
hours. Fees Variable.
User sells Bitcoin through Coinbase instantly at market price. 1% of transactioncosts.
The user initiates withdrawal of fiat from Coinbase taking 3-7 days. 1-2% of transactioncosts.
HOW TO BUY & SELL DIGITAL CURRENCY
The user creates an
up to 24hours.
Creating a trading
account, or logging
into an existing
account with one of
Users account is
approved allowing the
user to buy digital
1. Linking an existing
banking account then
wiring funds to their
trading account (2-4
days) Min. fees.
2. Depositing cash to
the ATM/Debit Card
provided by ZipCoin
3. to deposit cash/check/
money order to their
allowing the user to
trade (1 day)
TRADE | BUY |
platform, the user is able
to trade- buy or sell,
platform, the user is able
1. Use ATM
2. Wire fiat fundsto your
4. Transfer fundsto
5. Pay billsdirectly
ZIPCOIN MAIN DIFFERENTIATORS
Value Propositionforour Users
We believe the ZipCoin Network will provide numerous advantages for our users and our
communities interested in trading and starting a service on the network. Our goal is to
create the simplest and most user friendly blockchain platform in the world. Below are
some of the main advantages:
Integrated Financial Services - The Financial Service Provider (FSP) will have a
financial account available for users and businesses to store fiat and digital currency
assets. There will be a merchant processing service available for instant fiat
conversion of ZipCoin tokens to the merchant’s bank account;
a. Funds transfer (wire and peer-to-peer)
b. Payment processing
c. Traditional banking
d. Bill payment
e. Trade Financing
f. Merchant servicing
Integrated Digital Currency Exchange - The ZipCoin Exchange will have a digital
currency ex-change providing the ability to buy and sell numerous coins and tokens.
The biggest feature for our startup is the ability for us to list our token immediately
without the hassle of meeting outrageous requirements required or imposed by
Educational Materials - An extensive library of written and video tutorials to aid and
educate users on the ZipCoin platform will be created- FAQ, Knowledge base,etc.
EOS Support - ZipCoin’s decision to use the EOS blockchain for our core blockchain
infra- structure provides access to all of the tools built or in development by the EOS
team. EOSIO has a huge brand name and a very ambitious plan to support
development on the platform with technical and financial support.
ZIPCOIN Network Support - ZipCoin will provide direct support for any community,
institutions, developers or businesses interested in joining the ZipCoin community. Our
team is comprised of seasoned business and technical professionals. We only expect
to continue adding more highly qualified individuals in time.
ZIPCOIN Customer Support - We will hire and train a customer support team
providing live 24/7 customer support for customers, partners, and users.
ZIPCOIN Incubator - ZipCoin expects to begin gathering funds to support
startups wishing to build on the platform by providing seed funding. Our goal
is to create a process whereby the community can vote on startup proposals
and any approved proposal will receive funding and support to getstarted.
Customer Base - ZipCoin expects to build a large community over time who are
incentivized through our basic income feature to purchase products and use
services on the network.
Dedicated employee - provides excellent customer service to richen each
person’s trading experience and lifelong Blockchain learning, education, and
Blockchain Advisor - understands and captures insights and analytics;
customer needs, ideas, requirements and engages with the back office for
growth and process improvement:
Recruit and train other Blockchain Advisors, Blockchain Networkers, and
Community Managers to monitor our Telegram and other social media forums.
h. Provide education and awareness on blockchain technology and ZipCoin
product offerings for adoption and financial freedom.
i. Build networks and connect with top influencers and government and private
j. Collaborate with the back office.
k. Provide support to ZipCoin customers using an app (to be developed- need
unique ids attached to each Blockchain Advisors) on their IOS and Android
l. Engage with the government, regulatory bodies, influencers and business
officials and any given time.
ZIPCOIN FINANCIAL COMPLIANCE PARTNER
ZipCoin has enlisted a “big 4” accounting and consulting firm. We will be leaning on their
guidance in finding us a suitable auditing firm, and guiding us through various financial
compliance issues as we build our financial institution. It is their standard policy to not be
mentioned in third-party business plans, so we cannot name them here.
ZipCoin intends to raise funds through a series of funding rounds. Our tokens will be sold
to fund the project and allow entrepreneurs and users to participate in the economy.
The ZipCoin token is a true utility token, with intrinsic value to the platform, as it represents
access to network resources like computing power, storage, and bandwidth. It has no other
value or uses outside of the ZipCoin Network.
The token will be coded according to the standards issued at the release of the open
source EOS blockchain software. ZipCoin may add additional features to the token as
needed to meet the needs of the network and community.
We will continue to seek legal counsel to advise us on the most effective and compliant
way to raise funds for the project. Our initial focus will be accredited investors and
established investment groups.
Through the advice of our legal counsel and the fundraising consulting firm we will contract
with, we will explore additional avenues to try and distribute the token allotment as widely
and diversely as possible. Legal and financial compliance is our top priority.
THE ZIPCOIN ECONOMY
The ZipCoin Economy holds at its core, the idea that all participants in an economy provide
The sharing economy best describes the core principles of the ZipCoin economic model.
We believe all participants deserve a share in the financial success of the ICO, Exchange
and the Fintech network.
Our goal is to create as many opportunities to participate in the economy as we possibly
can. An efficient economy utilizes its resources in a way that minimizes waste and
ZIPCOIN COMMUNITY GOVERNANCE
An integral part of any community-driven project is access to information and influence over
the direction of the project. Blockchain has created the first opportunity in human history to
create decentralized governance models. These models operate as decentralized
autonomous organizations (DAOs), in which democratically- arrived-at rules are created
and enforced via smart contracts. The security features and trustless nature of smart
contracts open the door for anonymous and secure votingprocesses.
We are currently identifying the best existing software solution to allow for direct community
voting on important decisions. There are some EOS voting applications currently in
development, along with Decred and HST, which we are monitoring through contact with
their teams. We believe that increasingly decentralized governance empowers the wisdom
of our people, and thus creates an environment of flourishing innovation and most-rapid
The initial ZipCoin core team will be tasked with getting the project started and funded.
Although the ideal may be to reach a state of complete decentralized governance, we do
not see it as practical at the outset of a project.
Our vision is to start with a hybrid model, then expand the influence of the community over
time, as we turn the ideas presented in this whitepaper into reality. As a measure of good
faith in our intention to evolve into a complete, community-owned project, we will run a fully
transparent corporation during the start up phase.
A core value of the ZipCoin Blockchain Foundation is realizing a truly community-owned
project. If the foundation is an independent entity and answers to the community and its
elected board of directors, this provides ZipCoin the infrastructure required to realize such a
truly community-driven project.
However, at present, we must consider the necessity of compliance with existing business
and corporate laws. There are no rules and regulations which currently exist that we can
look to for guidance. Thus we will be creating and improving the model over time as a
ZIPCOIN COMMUNITY REWARDS
As the network and number of users using the ZipCoin exchange and network grows, we
expect to harvest a portion of the network’s financial success and contribute a percentage
of the funds to a community rewards pool. The more businesses and features that are
successfully launched on the ZipCoin Platform, the greater the pool of fundsbecomes.
This incentivizes users to reach out and encourage their networks to participate in our
platform and aligns the incentives of entrepreneurs, community, businesses, and users to
see the platform achieve success. The rewards pool is a feature we hope to implement in
the future when the economy has achieved prolonged and sustainable success.
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THE ZIPCOIN COMMUNITY
The ZIPCOIN Foundation (Not For Profit)
The ZipCoin Foundation will be committed to fulfilling our vision and creating a vibrant
ZipCoin community, through the following protocols:
Project Software will be open-sourced, with some potential patentapplications
for proprietary technology – all community owned
Decentralized decision making by the community for all macro-economicdecisions
Day to day operations, marketing, and general project management executed bycore team
Community-owned entity Total financial transparency
Board of directors with 2 representatives from the executive team, 2 elected positions from
the community serving annual or semi-annual terms, 3 recruited individuals with
expertise/experience relevant/necessary to the success of the project, voted on by the
community with a simple majority.
The Board members will be elected annually to continue their service or be replaced by
newly elected members through an annual community vote.
Board will provide guidance and approval for:
a. Executive contracts and compensation
b. All budgets Strategic planning
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ZIPCOIN GROWTH &ADOPTION
The realization of ZipCoin’s vision depends on early interest and engagement. However,
the scope of our mission precludes quick delivery of beta models. Therefore, our marketing
team will helm the execution of a lean, responsive strategy to drive early awareness,
interest, and engagement. The strategy utilizes three core tactics:
1 Best Practice Modeling
The blockchain promotion ecosystem has proven channels:
ICO listing sites Native advertising through relevant sites andnewsletters
Promotional video – and discussion-seeding on relevant socialnetworks
Telegram, Discord, and Github for turning awareness into interest andaction
Driving traffic via paid advertising and remarketing to an optimized landing page with
high conversion rates
We have researched this current best practice marketing mix as utilized by similar ICOs,
including those of the most successful ones. ZipCoin will take the driver’s seat in modeling
and adapting those tactics to full effect.
2 High-Level Branding and Design Consultation
Great startups often fall short of their potential impact, for the simple reason that
their branding seems amateurish, or strikes the wrong note with key audiences.
ZipCoin will engage the services of a firm with proven brand/design success in the
digital space, ensuring positive impact that aligns with our core values.
3 Specialist PartnerEngagement
The blockchain promotion ecosystem, despite its current best practice, is also
evolving rapidly. Furthermore, the financial piece of our project calls for partners
specialized in PR for ICO, exchange, banking and fintech sectors. Therefore, we
will be engaging vetted, specialized partners on a limited basis to identify and tap
pre-launch growth in less- traditional channels.
Such channels may include the use of:
Digital press releases and interviews
Outcome-based influencer engagement
Promotional appearances on panels and at events
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The user may use ZipCoin tokens as a mode of payment for the trading fee
will get a discount of 30% compared to the original trading charges.
If the trade receivable is XRP, we will calculate it by the exchange ratio of
XRP to ZIPCO at the market price, which is based on the market price of
XRP/BTC and ZIPCO/BTC. Exchange ratio of XRP/ZIPCO = XRP/BTC
[market price] / (ZIPCO/BTC [market price]). ZIPCO update cycle for the
market price is 1 second
Quantity = 1
Spot rate = $10,000
Actual Trading fee = $4.50(0.0450%)
Discounted Trading fee = $3.50(0.0350%)
Payment Processing Fee
ZipCoin will offer direct withdrawal to the bank account of a user requesting
liquidity in fiat by enabling them to exchange ZipCoin tokens for Fiat on the
levy of a Payment Processing fee of 2.2%.
Email, chat-bot, and social media marketing
Social media marketing and community management for China and other East Asian
THE ZIPCOIN BUSINESS MODEL
The ZipCoin business model includes revenue streams coming from
commissions on management and market trading fee as detailed below;
30 % discount on using the ZipCoin token – our token has the utility to act a
method of payment for the trading fee.
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ZipCoin’s total supply for initial ZIPCO Token distribution is 500,000,000 (ZIPCO )
tokens based on EOS standard.
ALLOCATION PERCENTAGE AMOUNT OF TOKENS
AIR DROP 3% 15,000,000
INCENTIVES & PROMOTIONS 2% 10,000,000
DEVELOPMENT TEAMS 3% 15,000,000
ICO 30% 150,000,000
FOUNDERS & LEADERSHIP 3% 15,000,000
SEED INVESTORS 5% 25,000,000
PRIVATE ROUND 4% 20,000,000
PRE - SALE 20% 100,000,000
BOUNTY 30% 150,000,000
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It should be noted that during the pre-launch phase, all ZipCoin stakeholders will be
enthusiastically mindful of organic opportunities to promote early awareness and growth
via word-of-mouth and other interpersonal communications.
Post – Launch
The same lean and responsive strategy will apply to post-launch growth strategy, with an
emphasis on adoption by key users: customers, and early adopters of our revolutionary
ICO, Exchange and Financial Services Platform. In keeping with this strategy, the newly-
established, non-profit ZipCoin Foundation will assume ownership of robust growth and
The foundation will be assisted by ZipCoin’s marketing team in this regard, as well
as the maintenance of marketing tactics from the pre-launch phase which has
proven measurable, pragmatic, and sustainable.
Wherever possible, growth targets will be achieved primarily via inbound rather than
outbound marketing. That is to say, the demonstrable achievements and benefits of the
ZipCoin Network will be leveraged to draw awareness and new users.
In this way, our overarching goals of authenticity and integrity will be evident in an
organically healthy community that keeps promotional expenditures under control.
ZIPCOIN TOKEN PRE-SALE PRICE | USE OF ICO
The ZipCoin business model includes revenue streams coming from commissions on
management and market trading fee as detailed below;
30 % discount on using the ZipCoin- Token – our token has the utility to act as a method of
payment for the trading fee.
USE OF ICO PROCEEDS
Legal and Regulation 1000000
Operational Expenses 2500000
Operational Reserves 7000000
Taxes on revenue from token 5500000
Research and Software Development 11000000
Marketing and Business Development 9000000
Banking Industry Company Acquisitions and Equity Partnerships 13000000
Pie Chart distribution
Taxes on Revenue from
Research and Software
TOKEN ASSUARANCE OR DISTRIBUTION
(Percentages) AMOUNT OF
AIR DROP & BOUNTY 33 165,000,000
DEVELOPMENT TEAMS 3 20,000,000
ICO 30 150,000,000
SEED INVESTORS 5 25,000,000
PRIVATE ROUND 4 20,000,000
PRE - SALE 20 100,000,000
TOTAL 100 500,000,000
TOKEN ASSUARANCE/ DISTRIBUTION
Token Figures 40%
AIR DROP INCENTIVES & DEVELOPMENT ICO FOUNDERS & SEED INVESTORS PRIVATE ROUND
PRE - SALE
AIR DROP & B O UNTY 2 %
4% SEED INVESTORS
FOUNDERS & LEADERSHIP
Special Note: 35% of team tokens will be released after three months from the end of public round of
Token Generation Event (TGE), 65% of team tokens will be locked for 1.5 years after which there will be
gradual release of the tokens over a period of another 1.5 years.
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What is ZIPCO Token?
ZIPCO Token is a digital currency, which aims at improving one of the biggest industries in the
world. The digital currency unifies all sectors of the remit industry making financial transactions less
costly, safe and seamless. It is the mainstream way to send money using our lowest standard fee,
get paid by recruiting your friends, and get free ZIPCO tokens by becoming a member or by just
sending more money home. ZIPCO s are highly anticipated tokens to gain in value; while allowing
our customers to take advantage of our lowest processing fee and save more money in their
pockets. ZIPCO token allows for an easy and accessible payment system for the remit industry. It
gives customers freedom to remit and send money from the comfort of their own homes without
paying high transaction fees. The ZIPCO token is here to stay and shall act as a substitute to
traditional payment methods.
How to buy ZIPCO Token
The ZIPCO token is available to purchase during pre-Initial Token Sale (ITS) and ITS stages or
later via our exchange. The payment system is electronic based while the delivery can be made
via the ZIPCO token wallet.
ZIPCO Token details
The ZIPCO is an EOSIO token. Similar to other ICO tokens such as EOS, DeaIIN, Avatar,
HorusPay, Sense, Iryo, Slant and more, it is a utility token that you can use to enjoy the
ZIPCO token’s services. The company has decided to make a total supply of 500M ZIPCO
Tokens, and has no plans to make any further issuance of the ZIPCO tokens after ITS.
The company will destroy those tokens which are not sold during the ITS sale. Moreover, it has
decided to lock tokens reserved for team until 1 August 2019.
One ZIPCO token will be equivalent to 0.1 ETH or 0.009 BTC. You must have at least 1000
ZIPCO tokens to make withdrawals possible. During the pre-ITS and ITS phase, the company
decides to increase the value of the currency by 1 percent per day.
ZIPCO Token ICO dates
ZIPCO token will achieve its soft cap by conducting a private pre-sale that takes place in December
2018. We have published our MVP, which shows how the platform works. The pre-ITS, especially for
new investors, is slated to take place on 15 December 2018 and will end on 25 February 2019. The
initial token sale will start on 25 March 2019. This sale will be conducted through our official website
ZIPCO Token funds allocation
Following are the specific areas where ZIPCO token will be allocating funds raised
through its ICO token sale.
30 percent for software development
25 percent for business development
10 percent for operational costs
35 percent for marketing
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ZIPCO Token Price
The early adopters and initial investors who register at the time of pre-ITS and ITS will be able to
exchange their cryptocurrency for ZIPCO tokens. 0.000100 ETH will be equivalent to 1 ZIPCO
The registered users can withdraw the ZIPCO token from www. Zipcx.io to a private EOS wallet but
only after purchasing it. However, they can only transfer the tokens between wallets as soon as ITS
The ZIPCO Token bounty program
ZIPCO token has reserved thirty percent (30%) of tokens for the bounty program right from the
very outset of the project.
ZIPCO Token Referral program
The ZIPCO referral program works on a smooth customized link that will be sent to the personal
account of all those who register to ZIPCO token. The registered users can share this link on other
social media networks or websites when they want to invite new people to register for ZIPCO token.
For every referral who purchases a token will be awarded with a bonus having an addition of tokens to
the owner’s account that amounts to 10 percent of the invested tokens bought by his/ her referrals.
ZIPCO token also plans to make a launch of an airdrop during quarter 2 of 2019. The airdrop
facilitates extra tokens to all those have kept their tokens hoarded in a wallet. The airdrop is based on
how several tokens will be spent on the referral program at the time of pre-ITS and ITS. If there
remains a larger than anticipated amount of tokens, the company may also look forward to make a
launch of a second airdrop.
ZIPCO token offers a practical and necessary solution; it aims at an industry, which does million-
dollar business, and is already prospering with millions of customers. However, it is innovative and
shows plenty of potentialities to increase.
If you too believe the ZIPCO token is unique and may get you benefitted financially if implemented
properly, then sign up for the token sale via our official website: www.zipcx.io, buy tokens via our 2F
authentication and secure accounts. Pre-registration is already open.
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COUNTRIES TO BE EXCLUDED IN THE
Based on the extensive Know Your Customer, Know Your Business and Anti Money
Laundering (KYC/KYB/ AML) that included ID check, citizens, and residents from the
following countries were excluded and prohibited to participate in the token sale.
, TAIWAN &
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THE ARCHITECTURE OF THE
1 The trading mechanism- core of ZipCoin exchange. Refers to a book of warrants,
seeks compliance with orders for purchase / sale, performs transactions and
calculates balances. Without a trade mechanism, the exchange cannot function.
2 User interface (UI) or front end of ZIPCOIN Exchange website. This is how traders
see our stock exchange. Our interface must be convenient and intuitive;
Adaptive- Android and IOS compatible.
Registration and access to the account
Deposit, maintenance, and withdrawal in the Crypto and Fiat,
View current order book, past transactions, balances, statistics,etc.,
Viewing diagrams, charts, dashboards, etc
Requests for purchase and sale,
Access technical support.
Wallet. The purse is a demo of bitcoins, launched on the server of the exchange.
It stores bitcoins and other cryptocurrency (the exchange operator and its
traders), so it needs maximum security.
3 ZIPCOIN exchange will introduce a so-called hot / cold purse system for risk diversification.
A hot purse is a bitcoin-gateway of the exchange; it allows the client to instantly
withdraw the bitcoins to an external wallet without the need for permission from the
exchange operator. A hot purse should have a positive balance for instant withdrawal,
which can be set in accordance with the turnover of the exchange.
A purse with cold storage is located where the remains of coins are stored. This wallet
is completely self-contained, which guarantees: no one can gain access to the
remaining bitcoin, even if the hot wallet is hacked (so it is always advisable to
postpone a certain amount of cryptocurrency to purses with cold storage).
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ZipCoin shall implement Cold Wallet Storage where upto 95% of wallet value can
be stored for the security of fund. ZipCoin platform will be 100% proprietary and we
will ensure that every single is secure and safe for our customers. We will be SSL
and 2FA enabled, with a 95% cold storage policy on all digital currencies; and we
will run multiple encrypted and distributed backups every day.
Encrypted Cold Storage
Two-three Factor Authentication
Collaborative Security with Cloudflare
Collective Intelligent Threat Detection
Global Load Balanced Network
2 The administration panel. This helps the ZipCoin Exchange admin to manage
the exchange and control it. Functions should include:
Change in liquidity,
Editing the spread and trading fees,
Confirmation of user accounts, after checking KYC or otherrequirements,
Management of currencies such as BTC, USD, ETH, etc. And markets such
as USD / BTC, BTC / ETH, ZIPCO, etc.
Crediting of fake deposits or debiting the withdrawal of funds requested by
Appeal to requests for technical support.
ZIPCOIN EXCHANGE ARCHITECTURE
The ZipCoin Exchange is designed to operate at low latency, high throughput, maximum
uptime, and fault-tolerant, ensuring that the platform delivers a seamless and uninterrupted
training experience to its users.
**ZipCoin’s digital exchange shall implement a hot / cold wallet system that
provides an ideal balance between security and convenience.
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ZIPCOIN EXCHANGE FEATURES | Non-Functional
ADVANCED APIs AND FINANCIAL
ZipCoin advanced APIs promise to give the users a hassle-free trading experience. It will
allow them to get connected to FIX, Rest, Binary, WebSocket, and third-party custom APIs.
This architectural design will also enable integration with banking, payment gateways, and
EFFICIENCY AND PERFORMANCE
ZipCoin market exchange trading platform is a proven fast, high-volume and low- latency
exchange engine. This exchange platform will be hosted on high availability IT infrastructure,
thus, enabling fault-tolerant architecture with guaranteed 99.995 percent uptime. In order to
provide a fault-tolerant architecture, a standby instance setup has been planned with active
data replication. This standby instance will start as an active instance, in case the primary
exchange goes down due to any reason.
Active geo- replication will provide database redundancy and a low-latency platform for the
end- users. A geo-targeted load-balanced environment for the trading front-end has also
been planned for deployment.
Develop a ZipCoin Trade Engine which delivers a speed of 100 Million plus
transactions per second with a latency of 40-50 ns.
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THE ZIPCOIN TOKEN
The capital that participants use to purchase the ZIPCO token on the occasion of the ICO
is a voluntary donation to ZipCoin for the purpose of financing the construction,
commissioning and maintenance of the ZipCoin platform. For this purpose, the participants
will receive ZipCoin tokens as described in this whitepaper, which entitles them to
participate in the ZipCoin platform when this platform is put into operation.
The participants in the ICO must be aware that, despite the great efforts of the ZipCoin
team, they can lose all the money they have donated and are not reimbursed, especially
because the ZipCoin platform is not put into operation for some reason. Consequently, it is
possible that the ZIPCO token will never have a value.
In addition, the ICO may be terminated for any reason, at the discretion of the ZipCoin
team, and it is possible that the ZIPCO token may be subject to regulatory investigation
and regulation. There is no legal claim of any kind on the loyalty bonus of the token
holders. In particular, the ZIPCO token does not represent a right to participate in the
course of business or profit. The ZIPCO token does not confer membership rights to
ZipCoin, the ZipCoin Exchange platform or companies affiliated with ZipCoin.
Compensation of any kind shall be on a voluntary basis and at the discretion of ZipCoin.
The formulas or information listed in this whitepaper regarding the calculation of any
remuneration are to be understood as a possibility only and do not give rise to any legal
claim. The only and exclusive right of ZipCoin token holders is to use the services of the
Furthermore, it is important for the participants to know that they have no influence
whatsoever on the activities of the ZipCoin team or ZipCoin LLC or ZipCoin Remit company,
including the allocation of the donations resulting from the ICO, which can also be used for
commitments entered into prior to the ICO or for the remuneration of special services
provided by participants in the ZipCoin’s project.
The use of the funds is at the sole discretion of ZipCoin and its team, which, to the extent
permitted by law, exclude any liability to ICO participants.
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ZipCoin will use the industry best practices in terms of security measures and designed our
platform to include top-level security features to safeguard both the client’s funds and trading
operations from hostile penetration attempts. Some of the key security features include:
Secure cold storage with cold wallet management Cryptocurrency Security Standard(CCSS).
Third-party security line by line code audit.
Insurance of online/hot wallets.
Up to 3-Factor Authentication.
OWASP Top 10 Compliant.
Extended Validation SSL Certificate.
MONITORING AND CONTROL
Processes play a major role in delivering business values. ZipCoin will ensure highest level
uptime and availability of IT infrastructure by applying IT industry’s best processes which
Due to poor customer service, ZipCoin shall implement an end to end customer support
delivery model to support customers 24/7. Customer service is an essential part of our
company with human, an e-mail, and telephone service that will be available around the clock.
This is how the user requests can be addressed promptly.
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Project Initiation and Engagement
Whitepaper creation first draft
(Business) ICO build
ZipCoin Exchange build begin
ZipCoin Remit build begin
ICO launch- beta
ZipCoin Remittance launch- beta
ZipCoin Exchange Build cont.
ZipCoin block build
ZipCoin Exchange on ZipCoin
ZipCoin Remit On
Cont. Process Improvement
Project Execution (Contd.)
ZIPCOIN Remit on block chain
ZIPCOIN Exchange Go – Live
Phase 1: Financial Services integration
(Retails, Banks, etc)
ZIPCOIN Chain (our own native
utility development) Phase 2:
Financial Services integration with
ZIPCOIN Blockchain Technologies-
Trading Software- dev- SAAS
(start) ZipCoin Community
Continuous Improvement (Operations,
Product Enhancements and Community
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Risks and Rights of ICO Participants
Purchasing ZipCoin- Tokens involves a high risk, including but not limited to the risks
described below. If these risks or the project are not fully understood, participation in the
ICO should be avoided. It is recommended that all information and risks described in this
whitepaper be carefully studied, reviewed and weighed before purchasing ZIPCOtokens.
This applies in particular to the risk factors listed below. ZipCoin accepts no responsibility
or liability whatsoever for any damage that is directly or indirectly caused or suffered as a
result thereof, insofar as legally permissible.
Dependence on the computer infrastructure
ZipCoins’ dependence on functioning software applications, computer hardware, and the
Internet implies that ZipCoin cannot give any assurance that a system failure would not
affect the use of your ZipCoin- Tokens.
Despite the implementation of all reasonable network security measures by ZipCoins, the
processing center’s servers are vulnerable to computer viruses, physical or electronic
burglaries or other similar disruptions. Computer viruses, break-ins or other disruptions
caused by third parties may result in interruptions, delays or suspensions of services which
would restrict the use of the ZipCoin tokens.
The smart-contract technology is still in an early stage of development and its application is
experimental in nature. This can involve significant operational, technological, regulatory,
reputational and financial risks.
Although the audit carried out by independent third parties increases the level of security,
reliability and accuracy, this audit cannot therefore serve as a guarantee, including the
express or implied warranty that the ZipCoin Smart Contract is fit for purpose or that it does
not contain any errors, vulnerabilities or problems that could cause technical problems or
the total loss of ZipCoin tokens.
Blockchain technology, including but not limited to the issuance of tokens, may constitute a
new concept in some jurisdictions that declare existing rules applicable or introduce new
rules on blockchain technology.
Token holders may have to pay taxes associated with transactions with ZIPCOIN tokens. It
is the sole responsibility of the Token Holders to comply with the tax laws of their
respective jurisdictions and to pay all necessary taxes.
The ZipCoin service may be terminated, interrupted, suspended or delayed due to force
majeure. For the purposes of this whitepaper, force majeure is considered to be
extraordinary events and circumstances that could not have been foreseen or prevented by
ZipCoin and include such events and circumstances: Natural disasters, wars, armed
conflicts, mass unrest, industrial action, epidemics, lockouts, slowdowns, persistent
shortages or other failures of energy or communications services, acts of local, state or
state authorities, other circumstances beyond the control of ZipCoin.
Disclosure of Information
The personal information received from the ZIPCO token holder, the number of tokens, the
addresses used and other relevant information may be disclosed to law enforcement and
administrative authorities and other third parties where ZipCoin is required to disclose such
information. ZipCoin can at no time be held responsible for the disclosure of this information.
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Value of the ZIPCOIN Tokens
After the purchase, the value of the ZIPCO tokens can fluctuate considerably and even
drop to zero for various reasons. ZipCoin does not guarantee a specific value of the
ZipCoin tokens at any time.
ZipCoin is not liable for a change of the ZIPCO token value. Assumptions regarding the
foregoing include, among other things, judgments on future economic, competitive and
market conditions and business decisions, most of which are beyond the control of the
ZipCoin team and are therefore difficult or impossible to predict.
The ZipCoin team cannot give any assurance that the forward-looking statements
contained in this whitepaper will prove to be accurate. In view of the considerable
uncertainties contained in the forward-looking statements, the inclusion of such information
cannot be interpreted as a guarantee by ZipCoin or any other party that the objectives and
plans of the ZipCoin project will be successfully achieved. Please note that ZIPCO token
may be subject to other risks that are not currently foreseen by its team.
The ZipCoin team boasts of a massive wealth of relevant IT, Business and Fintech/banking
experience, a proven track-record in successful ventures, and most importantly, a shared faith
in blockchain technology and its transformative benefits.
CATHRINE (Kim) CHIVHIMA, MBA | CEO & COO
Blockchain, ICO and Cyrpto evangelist, enthusiast and an early adopter.
Supports ZipCoin business strategy and operations.
President and CEO of Mortgage Consulting Solutions (MCS) and other
startups delivering high-definition IT services and solutions.
Kim is a passionate leader with keen interests in blockchain technology,
adoption, and awareness. She has a passion for trading, hedging and virtual
currencies such as bitcoin, and the underlying technologies behind them,
including blockchain data structures and distributed consensus systems.
Kim believes these new ways of putting the technologies together will
change the world of business, reminiscent of how the internet changed the
distribution of information. Kim consults businesses, individuals and
communities helping them understand the implications of blockchain
SIPHO BRIAN SEBELE | SALES & MARKETING
Extensive Marketing, Strategic Planning, Business Development
and Advertising knowledge using digital marketing tools.
Experienced blogger and news writer
Entrepreneur, blockchain and cryptocurrency enthusiast,
evangelist and early adopter. Pioneer of ZipCoinRemit business
model-(i.e. accessibility to remote villages, low fees structure,
and easy to use blockchain platform.
During spare time Sipho loves to help orphans in and around the
small villages in Matabeleland and beyond bringing amazing
smiles and memories.
TAWANDA TORE | COMPLIANCE | AMLO |
COMMUNITY LIAISON OFFICER
Blockchain evangelist, serial trader and Community leader who
believes in building successful communities by providing
excellent customer service, recruitment, education, credibility,
visibility and awareness of blockchain. Experienced Anti Money
Laundering (AML) Compliance Officer; designs ZipCoin AML
policies, manuals and procedures. Inspired remit, ICO, and
cryptocurrency enthusiast. Drive for blockchain awareness to
mass adoption with his community and beyond. Substantial
experience in Logistic services, operations, and management.
HERMANN DJOUMESSI: MA | FINTECH SOCIAL
MEDIA DIRECTOR | SENTIMENT ANALYST |
Experienced Fintech/crypto and blockchain Social Media Management
executive and a senior blockchain consultant. Founder of ADMP- an Africa's
prime Fintech & Crypto-Startup News Feed. Fluent in English and French.
Accomplishments- ADMP is in the TOP25 BEST BLOG for Founders and CEO,
to WATCH of 2018 !! Ranked by marketing CRM giant, #FieldBooM!
ADMP awards is in the TOP100 Award-winning BLOG, by Feedspot (San
Francisco, California, USA)
Hermann is highly driven and results oriented professional who understands
what it takes to engage and collaborate with customers on social media. He
is passionate about organic growth and grassroots support; education,
awareness and bringing financial inclusion, technology and accessibility to
those folks who need it the most; especially in the blockchain and
MATHIAS NGUCKO KENFACK | ACCOUNTING &
Experienced and knowledgeable Accountant and Taxation officer blockchain
enthusiast; Tax planning and Tax returns practitioner providing end to end
solutions for small and mid size companies. Founder and CEO of KAACA
Professionals Inc, a premier tax and financial consulting firm out of Alberta.
Proficient in English and French and providing financial literacy on remit
business solutions on blockchain technology to his community. Ken enjoys
community engagements, giving back and family events.
KUDZAI CAROLINE TANDI: BACHELOR OF LAWS
(HONOURS) DEGREE (LLBS) | LEGAL COUNSEL
Kudzai is one of the two founding partners of Mangwiro Tandi Law, a small
commercial law practice based in Harare, Zimbabwe and is also the
She holds a from the University of Zimbabwe, a Post Graduate qualification
in Advanced Corporate Law and Securities Law from the University of South
Africa (UNISA) as well as a Post Graduate Diploma in Applied Taxation from
the Institute of Certified Tax Accountants (ICTA), Zimbabwe.
Kudzai’s law practice is biased towards various aspects of commercial and
civil law as well notarial and conveyancing work, all which she enjoys. She
additionally also sits on the Boards of Island Hospice and Healthcare and the
German School Society as a non-executive board member and is also a
member of the Rhodesville Catholic Church Parish Council.
ALBERT ARTHUR BROWN, Msc.| DATA ANALYTICS
& MINING DIRECTOR |COMMUNITY LIAISON
Albert has a passion to use technology to solve problems. He is currently on
a mission to educate families on financial literacy. He believes in
empowering people to make own decision, hence very aligned with our
mission to provide education platform to educate consumers. Albert is a
leader in IT and Finance with over 15 years in industry experience.
He experiences spans across multiple industries including finance/insurance,
Oil and Gas, Education, research and manufacturing to mention a few.
Albert will bring his passion and experience in stakeholder management to
bear to help expand our education and awareness campaign on blockchain
and financial literacy. He will be an integral part o of our expansion
campaign to bring our solution to targeted African markets.
NOOR BAHADAAD | ACCOUNTANT |COMMUNITY
Noor is a solid accountant with experience in corporate and consolidated
operations, research accounting, capital asset management, and financial
reporting. She loves to be part of this rapid change in technology,
blockchain, ideas, and innovation as it relates to the remittance space.
She is highly engaged with the Tanzania community and understands the
frustration of paying high fees when sending money back home. Her passion
for our product, community engagement and our vision has brought Noor to
our organization. During leisure time she enjoys spending time with her
community and family.
CHAIRWOMAN OF THE BOARD
SEAN MONAGHAN: MBA, CCP, CGMA,
CMA, CPA |Co-FOUNDER | CFO |
Sean is a skilled leader who drives business improvement
initiatives, ERP implementations and enhancements, and creates
efficient supply chain models. He is a passionate leader who
believes in mentoring and coaching others to maximize the full
potential of an organization.
He is an experienced business executive with the technical
knowledge and understanding of international business,
manufacturing, telecommunication, supply chain and distribution
He believes in giving back to the community and to the
professional organizations he is a member with.
He is a current board member for the non-profit Airdrie Housing
Ltd. and the Credit Institute of Canada Audit Committee, and a
past member of the Certified Management Accountants Society
Discipline & Appeal Tribunal, Professional Conduct and Discipline
Committee, as well as the City of Airdrie Finance Advisory
Sean is a family man and loves to spend time with his family,
especially travelling around the world with them on new
TAFI CHAKAINGESU: AFRICA CHIEF
MARKETS STRATEGIST | Co-FOUNDER
Commercially astute general manager with 25 + years extensive experience
in managing retail, transport and logistics businesses in South Africa and
Zimbabwe and providing consultancy services to transport industry players.
He is a renowned business executive with an excellent track record in the
corporate sector providing Business Strategy, Business Development,
Operations Management, Contract Negotiation, Risk Management,
Customer relations, Key Stakeholder Management and Talent development.
Through his leadership and business acumen, Tafi has transformed two
logistics companies from small localized operating companies to regional
transport giants with contracts with leading regional mining houses.
Tafi enjoys spending time with his family, building relationships,
volunteering and helping the elders and the poor.
FRED LEE | ENTEPRISE ARCHITECT | CTO
Fred has more than 25 years experience in application development, system
management, system integration, software implementation, project
management (waterfall and agile methodologies), database technology,
cloud, cyber security, governance, enterprise information management and
business transformation projects. Passionate and accomplished at solving
problems and building the right business solutions. Extensive experience in
the full software development life cycle.
AUREL D HOSSOU: BSc. ENGINEERING | CHIEF
Aurel has a passion for Africa and has worked at building communities of
African Descents; and other multicultural communities in Calgary, AB,
Canada. He shares the ZipCoin vision in a way that Zipcoin would help solve
many problems faced by the Diaspora and Immigrants while simultaneously
alleviating roadblocks to business and development back in Africa. With a
background in Engineering and Business, Aurel has experience in the Energy
Industry; as well as in Government. Skilled in Programming; Economic
Evaluation; Data Interpretation and Modeling, his professional and
community involvements include Toastmasters Public Speaking; Teaching;
Spanish Club; French Club; International Business Club; Multicultural
Societies; Metropolitan Immigrant Settlement Association; Provincial Court
Interpreter and more. Aurel is currently leading the Calgary Black
Connection (500 Members and growing) and the Calgary French Connection
(1700 Members and growing); both potentially great venues for promoting
ZipCoin to immigrants.
PAIGE (PADRON) MILES: CGA | CPA | CIA |
FINANCE & AUDIT ADVISOR
Paige has over 15 years experience in the areas of finance and audit, in
private and public sectors. In her spare time, Paige loves to spend time with
her children and volunteering in her community giving back to her
WAYNE LOGAN: | LEGAL COUNSEL
Wayne brings extensive expertise and knowledge in the legal space. He has
been working in the entertainment industry all of his life: first as a musician
and for the past thirty years as an entertainment, sports and intellectual
property lawyer. He is extremely good at what he does, big influencer and
high level business connections around Canada.
Working with celebrities began in 1987 with Mr. and Mrs. Hockey - Gordie
and Colleen Howe. This led to working with other Hockey Hall of Famers,
many Canadian Olympians, TV and radio talent, adventurers, actors and
authors - generally assisting them with their contracts, publishing,
endorsement, sponsorship and business transactions.
WILLIAM M. MATHESON, ICD.D | BUSINESS
Bill is an experience and seasoned Business Leader and Executive director in
oil and gas companies in Calgary. He has over 20 years of holding senior level
positions at the CEO, President, COO and as a board member overseeing the
Audit Committee, Compensation Committee and Reserves Committee.
Bill has mega experience helping and advising junior and startup companies
with Business strategy and execution.
SIMON COCKING | BLOCKCHAIN AND
CRYPTOCURRENCY EXPERT & ADVISOR
Provide strategic guidance to the marketing team and media coverage.
Simon is a global leader and influencer within the blockchain space and
enormous expertise to make the ICO a success
OLIVER MARCO LAROSA |BANKING, BLOCKCHAIN
& EU MARKETS EXPERT
CEO GLOBIANCE, Chairman at EUCC, President at Government Blockchain
Association Malta. Oliver will bring business and executive experience to
ZipCoin in areas of banking, EU markets and blockchain technology
MEET OUR ZIPCOIN PARTNERS
WAPPNET – IT & BLOCKCHAIN | https://wappnet.com/
MORGATE CONSULTING SOLUTIONS | http://morgatesolutions.com/index.html
VIDEO JEEVES | https://www.videojeeves.com/
MILLER THOMSON- LEGAL | https://www.millerthomson.com/en/our-firm/offices/calgary/
To learn how you can join the ZipCoin community and leverage our platforms to start trading in
digital currencies, please reach us at: