Introduction The cryptocurrency market is growing and in 2018 the total market cap of all coins is estimated to hit the $2 trillion mark. At the same time, the existing international monetary system transfers more than $10 trillion a day. Currently, cryptocurrencies are inherently anonymous which poses a big concern for participants in the existing financial system. ivyKoin wants to bridge this gap and is designed to satisfy regulatory and security requirements of traditional banks. By embedding far more Know Your Customer (KYC) and Know Your Transaction (KYT) data into payments than other cryptos, or services such as SWIFT, banks and other financial institutions get comfort that transactions will not raise any Anti-Money Laundering (AML) red flags. ivyKoin tokens will allow users to deanonymize transactions by providing data in order to adhere to compliance requirements of financial institutions. Depending on the type of transaction, ivyKoin will allow the inclusion of more than 120 KYT data points and more than 70 different KYC data points in transaction messages. This is one of the most important features of ivyKoin as it allows banks to accept crypto transactions where they couldn’t previously. ivyKoin vs. Ripple Ripple (XRP) is obviously a well-known cryptocurrency operating in a similar space to ivyKoin, however ivyKoin has several advantages over Ripple. For example, ivyKoin has been designed to break KYC/KYT/AML barriers between cryptocurrencies and the traditional financial system, while Ripple does not include these points in its core design. Up to 74+ KYC, 120+ KYT data points can be embedded per transaction, while Ripple does not associate KYC and KYT data with the cryptocurrency. ivyKoin has a decentralized system of transaction validation that Ripple does not have. Ripple has a centralized system of transaction validation. Finally, ivyKoin has a public coin with economics driven by utility transaction volume on a public ledger, while Ripple has a public coin where the economics are not transparent and there are large private held reserves. Use of Proceeds and Post Issuance Holdings ivyKoin has recently completed its pre-sale and will use the proceeds to fund development, staffing and marketing. ivyKoin also provides a clear breakdown of the distribution of the tokens as per below:

40% Token Sales
20% Management & Advisory Pool
20% ivyKoin Reserve
10% Growth Pool
10% ivyKoin Hedging Treasury

Team The team seems to be one of the strongest points of this project. A great idea combined with a great team is key to a successful project. The team has several years of experience in the financial and IT industries and includes the following: Michael Beck, CTO, is a business strategist and technologist with more than 20 years of experience, during which time he has served as the Lead Enterprise Architect for a Fortune 500 healthcare company, Head of Architecture and Development for a $16bn hedge fund, and Chief Technology Officer of a fund that returned +40% over three years on his technology platform. He holds five patents related to rights management and information security, and has worked on business evaluations, audits, and due diligence on assets of more than 50 companies of varying sizes, having a transaction value of greater than $1bn. Gary Fan, Head of Financial Institution Partnerships, is a banking executive who has held numerous roles including the Senior Vice President of Strategy and the Head of Consumer Lending for CTBC USA, a subsidiary of a larger $100bn global bank located in Los Angeles, California. He is responsible for identifying opportunities to ensure profitable growth for the organization. Ash Shilkin acts as a strategic advisor to ivyKoin and is the Managing Director & CEO of Change Financial Limited, an Australian and OTCQX listed company, that holds a 33% interest in ivyKoin. Change Financial has more than 150,000 banking customers in the U.S. via its consumer offering and plenty of experience in banking and regulation. Other team members include Andrew Pipolo who was the former Managing Director of PayPal Japan & Australia, Bob Murray, Keith Allen, Bartosz Robaszewski, Dariusz Ciesielski, Janusz Zoltanski and Mateusz Spychaj. Conclusion ivyKoin is designed to bridge the gap between the traditional financial world and the exciting world of cryptocurrencies. The ivyKoin project has an experienced team, with an incredible knowledge of the market and regulation. In summary, ivyKoin has the potential to solve the issues banks have with cryptocurrencies, opening up endless possibilities for transacting on a global scale between crypto and fiat. Join ivyKoin’s Telegram: https://t.me/ivykoinchat Check out their website for more information: https://www.ivykoin.com/