Table of Contents. 1. What is Cryptocurrency? 2. What is ArthaCoin? 3. Introduction. 4. Technology Platform. 5. What is ERC20?

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2 Table of Contents 1. What is Cryptocurrency? 2. What is ArthaCoin? 3. Introduction 4. Technology Platform 5. What is ERC20? 6. What is Smart Contract? 7. Token Details 8. Distribution Overview 9. ICO Schedule 10. ICO Purchase Limitations 11. Referral Program 12. Lending Program 13. Value 14. Vision 15. How does ArthaCoin work? 16. Investment Strategy 17. CoinSink 18. Investor Protection Fund 19. Team 20. Future Plans 21. Roadmap

3 What is Cryptocurrency? Cryptocurrency is a digital currency for which encryption procedures are used to regulate its use and generate its release. Unlike fiat currencies like US Dollar or Euro - cryptocurrency is not governed or controlled by any bank, government or centralized monetary authorities. Alternatively, it relies on the power of the Internet to guarantee its value and verify transactions. Users on a network confirm every transaction, and those transactions then become a matter of public record. This inhibits the same digital currency or coin from being spent twice by the same person. What is ArthaCoin? ArthaCoin is a self-managing financial system with P2P transactions based on the open-source platform. ArthaCoin is an electronic currency. This currency is like any other Fiat currency (i.e. US Dollar) but it exists only in the digital world. Introduction Artha has been derived from the Sanskrit word Artha which means wealth. Sanskrit is known as the mother of all living languages. As per the name, we commence our journey to create wealth for our investors. An Initial Coin Offering (ICO) i is being adopted to circumvent the austere and controlled capital-raising process dictated by venture capitalists or banks ii. ArthaCoin is a lending platform made with ERC-20 Token based on ethereum blockchain. The capital raised shall be utilized in various investment schemes. ArthaCoin s Technology Platform ArthaCoin is an ERC20 token operating on the Ethereum network. What is ERC20? The Ethereum token standard (ERC20) is used for Ethereum smart contracts. ERC- 20 establishes a simple list of rules an Ethereum token must implement. What is a Smart Contract? The main purpose of a smart contract is to enable two parties to work and transact on the internet without intermediaries. Applications work precisely like programmers without any downtime. The entire process of the smart contract is executed automatically without interruption or intrusion by the third party. We may publicly disclose those transactions but we cannot identify who executed them.

4 ArthaCoin Token Details Distribution Overview 13.89% of Tokens will be sold in Presale at the price of $ % of Tokens will be sold in ICO starting from $0.20 to $ % of Tokens will be maintained for Referrals and other bonuses. 8.33% of Tokens will be held by our core team members (Analysts, Developers, and Founders). This will guarantee that the team will be incentivized to support and add new features to the program. This will raise the value of ArthaCoin and it will also provide a large passive income for the ICO participants and investors, as well as for the team.

5 ICO SCHEDULE ICO Purchase Limitations Does ArthaCoin have a referral program? Yes, ArthaCoin has a referral program. When a referee 1 purchases ArthaCoin from the ICO then the referrer 2 and persons above his level shall be entitled to bonus coins as per the table given below. 1 Referee shall mean the individual or entity invited by a referrer to join the ArthaCoin program using the prescribed link or prescribed referral code. 2 Referrer shall mean the individual or entity that invites another such individual or entity to join the ArthaCoin program using the prescribed link or prescribed referral code.

6 The referral program for the ICO is as follows:

7 Lending Program When a referee deposits coins into the lending program then the referrer is entitled to referral lending bonus as per the table given below. The referral scheme for the lending program shall be as follows: What is the value of ArthaCoin (ATH)? ArthaCoin (ATH) will release only 15 Million coins due to which a financial system based on deflation is designed and restricted supply of currency will lead to substantial increase in value. A coin sink system has also been created for the sustainability of ArthaCoin. The technology incorporated in ArthaCoin is complex but it can be reduced for simplicity down to three elements: (1) security (2) liquidity and (3) sustainability. All currencies, including cryptocurrency, are only valuable if both parties consider and trust that it is valuable. For example, a US Dollar bill has no intrinsic value (it s just a piece of paper after all). But, the Federal Reserve System (Government) of the United States guarantees it, therefore the recipient entrusts that it will still be worth a dollar when he/she tries to spend it (We don t want to get too technical here but in reality, it will be worth a lot less due to inflation and low gold reserves).

8 The more we use a currency, the more content we get with it and thus we use it more frequently. As the reputation of the currency rises, the laws of supply and demand kick in. When there is a finite amount of currency in the market, (i.e. liquidity) then the value goes up due to demand. In the case of Bitcoin, for example, there will only ever be 21 million bitcoins in existence. Consequently, the value will go up as we near the maximum threshold in a few years as long as people still trust that it has a value, and more and more people and places accept it as a currency for payment. ArthaCoin has a total supply of just 100,000,000; the low supply combined with the consistent returns achieved and distinct coin sinks coupled with burning shall guarantee that supply and demand increase the value of ArthaCoin significantly over time. Vision for ArthaCoin Our vision is to create a consistent passive income for our investors which remain sustainable over the long run. We will utilize the services of the advanced technologies in the field of machine learning, data and math analysis, artificial intelligence, blockchain and mobile development in order to bring to life a completely autonomous intelligent trading bot. The Current Difficulties with Trading Platforms: Lately, there have been releases of many trading platforms and trading groups onto the Cryptocurrency market. Although anyone can access this information, it is normally time-consuming and often the information is not accurate. Furthermore, the emotions of traders when working in this profession quite regularly play a negative role on their composure and judgment. A platform, application or a bot that can trade instead of us and earn a constant, stable and passive income hasn t been invented so far. The greatest vulnerability of the cryptocurrency market is its volatility, but on the other hand, it is this volatility that can present the opportunity for enormous returns.

9 How does ArthaCoin work? I. ArthaCoin runs without having a central server. The server computer is entitled to permit and distribute into different servers by each user connected to the network. It enables users to store and invest their capital in a decentralized financial system and make the most of their investment. II. All transactions are logged and monitored via blockchain, but one cannot identify who the owner of ArthaCoin is except when such possessor of said ArthaCoin discloses it. III. The transfer fee may be reduced gradually until it is discharged, but so as to speed up the transaction you can set a higher fee in the ArthaCoin wallet. IV. You can transfer ArthaCoin to anyone in the world as long as the said person holds a compatible cryptocurrency wallet. What shall ArthaCoin s Investment Strategy be? ArthaCoin is an alternative investment using merged funds that use numerous tactics to secure an active return, for its investors. ArthaCoin makes use of derivatives and leverage in cryptocurrencies with the intention of generating high returns (over a detailed market benchmark). It is relevant to note several of our investments are generally only accessible to accredited investors. What type of investments will ArthaCoin divulge into? ArthaCoin shall invest the capital raised into several investment programs. It shall be divided as follows: 1. Low-risk investments. a. Tax-exempt short-term debentures. b. Blue-Chip stocks and cryptocurrencies. c. Precious metals will diminish both volatility and risk. 2. Low to medium risk cryptocurrency trading. a. Our team has been utilizing an automated trading system to execute leveraged cryptocurrency scalping which was earlier configured for forex scalping. b. We are always on the lookout for arbitrage opportunities and are proudly able to ensure an average of 4% interest daily.

10 3. High-risk trading and investments (including but not limited to ICOs). a. Aggressive investment strategy. b. Our team researches each and every ICO that release in the market and after deep examination, grade them. The multiple low-risk investments will hedge the risk of the other investment. The key to ArthaCoin is the term diversification. This means that the investment is split into several parts, which will be invested in different investment products to satisfy various strategies. The overall return percentage is determined by the success of the overall portfolio. Over time the cryptocurrency markets will change and there will often be periods of uncertainty, where other lending ventures will fail to give the promised returns. Where ArthaCoin differs is that we have various income strategies, generating supplementary returns that are collected and used as an investor protection fund. This ensures that regardless of changes in the markets we will be able to provide the promised returns for the long term. Coin Sink Coin sink is a means by which all ArthaCoin internal transactions will be levied a 1% fee and every premature closure of lending deposit will be charged a penalty fee of 1% from the principal amount. The money accumulated from this Coin Sink will, at the completion of a financial month be eliminated from the system partially. The Coin Sink is much like a stage of financial repression in the world economies, where to preserve the value of a particular currency, money is siphoned out of the system by deploying various fiscal policies that result in the same. The coin sink will steadily increase the value of all coins, thereby benefiting the long-term coin holders. As stated above in the Coin Sink section; 1% of all internal transactions will be sunk into a wallet, which would be utilized at the end of the financial month, in the following proportion and ways respectively:- To keep the economy from inflating we are consolidating a coin sink and the majority of the coins collected will be burnt, that is, flushed out of the system. This will gradually diminish the number of available coins and conceivably increase the value of the coin. 70%- of the coin sink value will be burnt 20%- will be relocated to the Investor Protection Fund 10%- will be directed towards Globally Renowned Charities (Selection on the basis of community polling)* *Donation receipts will be attached which can be verified.

11 Investor Protection Fund Investors are the financial pillars of our market, therefore, to safeguard the interests of our investors against market malpractices we will take precautionary measures, by creating an IPF (Investor Protection Fund). The ArthaCoin Team We are an alliance of passionate analysts, developers and traders that are striving towards creating an innovative, intelligent trading bot that will reap passive income for all our clients ArthaCoin token holders. We strongly understand that in the prevailing millennium of technologies and cryptocurrencies, trading can be comprehensively more intelligent and automated. 8 of our core team members come from a strong technical background. 6 of our team members have over 4 years of cryptocurrency trading and over 9 years of tradition trading expertise. 3 our team members are experienced quantitative analysts. All our team members have strong knowledge of Solidity and JS. Future Plans After the end of the ICO, we shall have an exchange followed by the lending program. Soon to have a fully functioning AI Arbitrage Bot We are working on an AI Bot. Since the unregulated nature of altcoin trading, the cryptocurrency space experiences frequent and massive fluctuations that can create lucrative arbitrage opportunities. Our AI bot will track and measure rates across various markets to predict and recognize early indications of cryptocurrency market volatility and provides us with real-time price actions on our crypto assets. Our AI Bot can monitor 4 of the top exchanges (Poloniex, Bittrex, GDAX, and Binance). It tracks the price dips or surges while accounting for transaction and trading fees. We have previously tested out some other AI bots on the market and the results have been unsatisfactory.

12 This led us to start developing our own AI Arbitrage Bot. Our AI Bot shall be ready once it can deliver profits on a consistent and uniform basis for the duration of the testing period. Every Quarter, 25% of our earnings shall be applied to purchase ArthaCoin from the market and shall be burned. ROADMAP i Initial Coin Offering shall mean a method by which funds are raised for ArthaCoin. The abbreviation ICO shall only mean Initial Coin Offering. ii Initial Coin Offering definition