EMCOIN Emerging Market Coin is a smart investment for the people of the new economy Whitepaper

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1 EMCOIN Emerging Market Coin is a smart investment for the people of the new economy Whitepaper

2 About EMCoin (EMC) EMCoin is the Emerging Market Coin. Our task is to invest successfully in emerging markets using revolutionary technology of the blockchain network. The use of EMCoin smart lending platform allows people to receive a daily income from investments in various growing business projects. EMCoin is a cryptocurrency that aims to change the financial world in the future. Due to a limited coin supply, there are going to be only 30 million EMCoins worldwide. This resembles an economic system based on deflation: with increasing coin supply, EMCoin prices tend to rise, and when the demand is high, the number of coins that remain does not increase. The EMCoin token network runs without having any central servers. It is easy to use and allows you to get all benefits from the blockchain technology.

3 What is EMCoin? EMCoin is based on the Ethereum token ERC20 and runs on the Ethereum blockchain. In a nutshell, ERC20 is a subset of the Ethereum tokens. ERC20 is the standard interface for the token code. It enables seamless interaction with smart contracts and permission applications on the Ethereum blockchain. EMCoin follows the standard functions of ERC20. All EMCoin transactions are totally anonymous. EMCoin holders can monitor all transactions in the blockchain, this information is publicly available. The business model of our company is to provide short-term loans to small and medium-sized businesses, with the processing of a deposit or the personal surety of the borrower. It is important to note that we are not a venture capital fund or a private equity fund.

4 Market and prerequisites Due to the crisis phenomena of , decline in oil prices and curtailment of quantitative easing programs, most developing countries faced recession and significantly tightened monetary policy, resulting in the strengthening of state regulation of the banking sector. Under the given circumstances, banks practically suspended lending or project financing for small and medium-sized businesses in order to reduce risks. At the same time, this business segment reacts most adequately to the changes occurring in the economy, creates local business solutions dynamically, and successfully capitalizes on them.

5 Who are we? Private financing is one of the businesses ran by our team. We have been engaged in finance since 2014, operating with our own resources the whole time. Besides the financial direction, we are engaged in book publishing, food, logistics, it-consulting, manufacturing, hotel business, retail and tourism. Continuous practical experience allows us to successfully search and adequately evaluate potential borrowers and their businesses. Over the years, we have financed a few dozen projects, obtained experience in working with nonperforming assets and worked out various cases within the legal framework. Private loan financing in emerging markets does not fall under special state supervision and does not require obtaining a license or creating bank reserves. This allows to significantly reduce internal costs and maintain high business efficiency, remaining entirely in the legal framework of the countries of operation.

6 We have a proven valuation model for companies and funded projects, which, together with a short loan term and surety or deposits, significantly reduces the default risk of the borrower on obligations, and allows borrowers to receive financing within a week after contacting us. Why ICO? An ICO allows to attract additional capital to the fund with minimal expenses and significantly increase the volume and efficiency of the business (we recall that at the moment the business develops on the own funds of the founders). The volume of funds attracted for an ICO is comparable to the current volume of the fund, which allows you to stay within the existing processes and increase your earnings by scaling the business horizontally.

7 Specification Name EMCoin Symbol EMC Type ERC20 Total supply 30,000,000 ICO 10,000,000 Decimal place 8 ICO date 21 December 2017 Price Start $0.5 Time zone UTC

8 ICO On the diagram displayed below you can see how the financial resources are allocated. EMCoin invests massively in marketing and advertising in social media, such as Facebook, Youtube and many others. Investors Advertising Development Maintenance 20% 30% 20% 30%

9 Initial coin offering The initial coin offering (ICO) of EMCoin will be launched between December 21, 2017 and January 31, 2018 by selling 10,000,000 EMCoins in 42 days. Tokens Price 1 1,000, $ 1,000,001 4,000, $ 4,000,001 6,000, $ 6,000,001 8,000, $ 8,000,001 10,000,000 1$

10 Investment opportunity TRADE Earn profit from trading SMART SMART LENDING LENDING Earn daily interest on EMCoin lending AFFILIATE Earn bonus from referrals

11 EMCoin smart lending profits Lending amount Interest (accured daily) Capital back $ $ 1,000 Volatility smart lending interest After 299 days $ 1,001 - $ 5,000 Volatility smart lending interest +0.15% daily After 199 days $ 5,001 - $ 10,000 Volatility smart lending interest +0.25% daily After 139 days $ 10,001 - $ 100,000 Volatility smart lending interest +0.30% daily After 99 days

12 Smart lending Lending your own EMCoin provides you with an opportunity to earn a daily return from the management of EMCoin. It is an impressive concept for passive investors and for those who want to enjoy a daily passive income. No fixed daily interest rate can be guaranteed. The maximum interest rate is 48% per month on your investment. When the contract expires, the investment fund will be returned in accordance with terms and conditions. You can invest EMCoin coin in our smart lending platform from your dashboard. You can choose from several destinations of lending. These include the trading bot and lending for business projects in various fields, such as tourism, HoReCa, retail, and many others. Each direction brings you a different percentage of profit, ranging up to 3% per day. You will also be able to choose an average direction for lending in order to minimize the risk. Smart lending allows you to diversify your investments or choose a moreprofitable direction.

13 Smart lending scheme You can choose from several destinations of lending HoReCa Trading bot Volatility daily profit Volatility daily profit up to 2.5% up to 2% Average daily profit for all directions up to 2.63% Retail Other business Volatility daily profit Volatility daily profit up to 3% up to 3%

14 As we will make you profit on our Smart lending platform? (examples of financing) Retail - chain of radio-controlled models stores Christmas and New Year sales account for 40% of the turnover of the company that sells radio-controlled toys. Taking into account that the markup amounts to 70-75%, and the average turnover period of funds is 9 calendar days, the company attracted funds for 3 months at 46% per month, with the deposit of the store s own premises. The loan is provided for 7 days. State contract for it-consulting The IT-company carries out the contracts established with the major state contractor on a regular basis. When the work is completed, the term for agreeing the results and signing all the necessary documents is 4 months. Taking into account the continuous work, the company understands this peculiarity, and puts the cost of attracting funding for this period into the price of the contract. Financing for 4 months is at a rate of 42% per month. The deposit is formed by a personal guarantee of the founders and the body of the contract. The loan is provided for 4 days.

15 Cryptocurrency mining The IT-company builds a mining farm for 250 ASIC GPU. In order to compensate the increase in the cost of equipment, it was decided to pay the entire batch of equipment. The company raised funds for 6 months at a rate of 40% per month and 48% of the cryptocurrency resulting from the farm s work. The deposit is formed by the purchased equipment and a personal guarantee of the three founders. The loan is provided for 8 days. Supplies of spices from South America The trading company concluded an agreement of the supply of spices (quinoa, amaranth, chia, etc.) with the largest retail network. Deliveries are made directly from manufacturers by container shipments, which determines the minimum lot size and the delivery time. Taking into account the average markup of 320%, the company raised a loan for 8 months at 47% per month. The deposit is formed by the current storage balances and a personal guarantee of the founder. The loan is provided for 10 days.

16 Affiliate With the EMCoin attractive refer and affiliate program you can earn additional EMCoins by telling other users about this opportunity and referring them to the EMCoin community. We are offering a bonus program which enables you to earn more for every new user who signs up and joins the EMCoin smart lending platform using your affiliate link. The EMCoin`s affiliate program is designed with 5 lucrative levels where you can earn additional commissions for every registered partner. You will be able to earn a commission every time a referral lends EMCoin on our platform through your affiliate link. With a residual bonus you will earn a daily commission on every interest your partner gets. The commission you earn is based on the level your partner signs in. Level Referral bonus from smart lending 1. 9% 2. 3% 3. 2% 4. 1% 5. 1%

17 Consideration The Investment is always risky, so you should read all details thoroughly and register directly on the EMCoin s website by yourself. Please do not believe other people who offer to help you with the registration or ask someone else to invest for you to prevent muggers from taking advantage of you by deceiving and impersonating EMCoin. All investors are required to register directly on EMCoin website and invest their money only. EMCoin is not connected to other channels of investments, apart from the EMCoin website. emcoin.io

18 EMCoin is a smart investment for the people of the new economy Twitter /