ICO boom which is observed in the market in recent months is caused by high amounts of investment attraction together with the rather low complexity of carrying out. Most likely, now for startups came golden-time, when the combination of these factors is optimal. Financially carrying out ICO became complicated lately. But still, the startup can be waged, not having an asset of the large amounts. But not everyone will be able to collect at least a part of the amount at the presale, even having the accomplishments which can be submitted to the investor. ***CrowdCoinage is the decentralized crowdfunding platform for ICO companies.*** The company plans to develop universal OS which considerably will simplify carrying out ICO. The company plans to develop universal OS which considerably will simplify conducting ICO. CrowdCoinage’s goal is to provide a complete solution to start and fund a business from anywhere in the world in a decentralized environment for free. Crowdfunding is a modern alternative to a bank loan and is, as a rule, used for financing of various startups, and also creative or business of the ideas. In other words, crowdfunding is a receipt of money from many people which is interested in the financing of your project. *What good is in crowdfunding?* **First,** it is the facility which capable to help even in hopeless cases. When you have no nothing besides only idea and energy. When you have no connections, no reputation, and no personal success history. For crowdfunding not important how you look like and where you live. The money's on crowdfunding you can earn only by mind and diligence. **Secondly,** crowdfunding gives independence. When you were supported by several thousands of people, even if one from them will be dissatisfied, the most terrible that will occur – he will take away back the share of support, one of several thousand. Crowdfunding's the scheme of financing gives the very big degree of freedom in the implementation of the plans. The OS CrowdCoinage will provide the founders with many of the services and tools essential to the successful launch of these types campaigns while ensuring security and credibility by the use of blockchain technologies. They will have automated tools to generate smart contracts and generate their own coins to help in raising funds. Thanks to CrowdCoinage developers of startups and members of the community will be able to interact with each other in a public forum or in a private chat and will be able to find professionals for the team. At the same time, all professionals will be able to submit their applications to the CrowdCoinage job market and wait for founders or startups to make an offer. The members of the community will be able to verify a business model or ask for some technical solution for their project. Help can be free of charge or helpers may be awarded an amount of CCOS coins based on the quality help. (https://crowdcoinage.com/)

CrowdCoinage's vision is to create a decentralized borderless for all kinds of financial services and products where anyone from anywhere can be either a service provider or a consumer of these products and services. Many useful tools will be built into the CrowdCoinage by default like loans, insurances, and trading. The marketplace will provide investors with perfect tools as they will be able to access the database of startups in the need for venture capital or know-how. Thanks to the information that will be accessible, we are seeing the companies that are working in financial analysis, scoring, audit and risks sectors as potential customers CrowdCoinage. ***The most useful tools which will be built in CrowdCoinage OS:*** * **1.P2P loans** Banks reduce a portfolio of financing of small and medium business, and the smallest companies and startups can expect the only extremely limited number of funds and grants at all. Therefore entrepreneurs address for national investments. The decentralized nature of blockchain-based P2P loans will allow interacting with the companies and investors from any country, irrespective of economic sanctions and events in the political arena. You will be able to receive financing without any hidden payments and the red tape connected with the traditional credits. The credits can be both in cryptocurrencies and in fiat. Lenders would appear in a listing along with the amount they would like to lend and then one or more investors could loan them either the whole sum or just a part of it. This would make it easy for investors to lower their risks. The loan application would be accepted only if the whole target sum would become available. If there are not enough investors to lend the whole target sum then the lent cryptocurrencies or fiat money would be reimbursed to investors. Using the tools provided by the borrowers can easily present their case by using the means possible already for the founders of a crowdfunding project. Automated connections with APIs provided by credit bureaus and rating systems based on how well a lender has followed the payment schedules set by a smart contract are all having an effect in user rating in the P2P loan part of the. * **2.Exchange and wallet** With the market development of cryptocurrencies, the question of storage and exchange became the most relevant. Common wallets guarantee a certain degree of safety, but conveniences are completely deprived. On CrowdCoinage OS there will be developed complex decision which the fiat money in cryptocurrency and vice versa will save you from the need of use of third-party services for converting. It will combine at the same time economy and convenience. Such approach to allow investors and developers to trade currency in OS.

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* **3.Payment cards and saving deposits** The appeal of the idea of the payment card issue is obvious both to investors and developers, and to users: cards could simplify considerably our life and provide continuous access to the means, and also quickly use them in case of sharp need. After successfully obtaining an Electronic Money Institution (EMI) license there will be the ability to issue payment cards. This way it is not even needed for founders or investors to manually convert their funds between cryptocurrencies and fiat money. Saving deposits will be implemented by allowing investors to store cryptocurrencies, either Ether or any ERC20 compatible tokens. The return of the investment will be based on the fees received for conversions between various cryptocurrencies and fiat money whenever someone uses their payment card. * **4.Insurance** Combining a blockchain with other new technologies like AI and IoT, the decision-making process for insurance cases could be completely automated. In the future there could be 2 little or no involvement of agents, call centers or loss estimations in the processing of claims as for example sensors in IoT devices would report damage directly into a blockchain network for a smart contract to handle, triggering claims and payments. Besides having full automated insurance methods that would use IoT sensors, there are new and innovative ways how to make insurances more affordable for groups of people. This is the peer-to-peer insurance model and there are many types of insurances that would suit that model.

* **5.Public API-s** API is a key which does cloudy calculations by reality. API is a basic layer of digital transformation. And API saved billions of dollars of costs for integration and human resources. API determine how interacts ON and as there is a data exchange. In many respects API to lead the tech world. As consumer needs are increasingly served by rapid advances in Bitcoin/Ethereum technologies, the CrowdCoinage will continue leaning on wider. blockchain adoption while also leveraging innovations to ensure security and reliability. That is why we opt-in to build state-of-the-art APIs. *Public API for marketplace data and ICO campaigns* In order to support PR and marketing of the OS, CrowdCoinage will develop a simple API for users to enable them access to all the public data of their campaign in order to showcase it on their own website or in an application. *Adding features and integration methods for third-party apps* For the purpose of the increase in productivity of CrowdCoinage OS will integrate all major tools of productivity into the ecosystem. For example, when a campaign has multiple parties related to it, then it will be easier to maintain it through a Slack channel and have their to-do lists at Trello for improved productivity. *Third party API for payments* For the purpose of implementation of cryptocurrency payments, will be to integrate the CrowdCoinage plugin, CCPay, with their website in mere minutes and start accepting Bitcoins, Ethers, CCOS coins or other cryptocurrencies stored in their CrowdCoinage wallets for payments. *Third party API for all financial services* The main objective is to build a totally modern open-sourced banking ecosystem for the CrowdCoinage. For example, a set of API calls to external services will allow perform actions and generate results. Imagine... every financial service at your fingertips through a well-structured and secure API that is running on the blockchain.

***CCOS coin*** By means of a coin of CCOS, it will be possible to pay various services, such as insurance or loans of P2P. There is also a plan to integrate the Estonian eResidency program into the CrowdCoinage, which makes it easy to run a business and everything associated with it and use CCOS coins for example as a base currency for running everyday operations (once CrowdCoinage has obtained respective licenses).

Token Sale Starts 2018/02/12, Monday Hard Cap 3,900 ETH Total Number of Tokens 250,000,000 Exchange Rate 1 ETH = 10,000 CCOS tokens Minimum Purchase 10 CCOS tokens

***You can obtain more detailed information about the project:*** Website - https://crowdcoinage.com/ Whitepaper - https://crowdcoinage.com/static/CrowdCoinage-Whitepaper.pdf?2018-02-14 BitcoinTalk - https://bitcointalk.org/index.php?topic=2626117.0 Facebook - https://www.facebook.com/CrowdCoinage Twitter - https://twitter.com/CrowdCoinage Telegram - https://t.me/CrowdCoinageOS Author's name: Sofa_Sh https://bitcointalk.org/index.php?action=profile;u=1286131