VILLA TOKEN Real Estate Backed by Cryptocurrency

VILLA TOKEN Real Estate Backed by Cryptocurrency

CONTENTS OVERVIEW BACKGROUND MISSION STATEMENT VILLA TOKEN DETAILS ROADMAP ICO TIMELINE VESTING SCHEDULE MEMBERSHIP BREAKDOWN PAYOUT CASE STUDY SOURCES

OVERVIEW Banks and lenders make profits on mortgage interest rates from 56% of United States residents. Homeowners do not usually see any of this profit. In the US, the average 30-year fixed interest rate is 3.71% 1 An arising issue exists with the status quo. Most cryptocurrencies are fiat; they aren t backed up by anything. Blockchain technology can create a transparent record of transactions between merchants, effectively eliminating the third party s role in peer-to-peer transactions. Villa Token (VTO) holders will benefit from our ownership of real estate. Monthly rent payments will be converted into Bitcoin/Ethereum and distributed back to our token holders.

BACKGROUND Cryptocurrency is becoming increasingly popular as people begin to realize the vast potential that digital currency and blockchain technology have. Just as you would research a company and its stock before you would choose to invest, we encourage people to gain knowledge before investing in us. We aim to provide as much information is necessary for people to understand our business model and how our company-wide decisions will affect those who choose to participate. Villa Token is an ERC223 token hosted on the Ethereum blockhain. This platform has allowed our company to create its own digital currency and develop business-model specific parameters to it as well. In creating Villa Token, we asked ourselves: Why are there not more tokens that are backed up by something that apprecaites over time, and provides dividends to its token holders? And furthermore: Why are mostly all cryptocurrencies designed as fiat coins? We are confident that we have a solution. A key concept we will use to keep track of the tokens you purchase is called locking them in. Locking in your tokens grants you access to monthly paybacks. Once you purchase Villa Tokens and make the choice to lock them in, you will be asked to send them to our Villa Lock Wallet. We proide 100% transparency of this wallet. This is how we monitor your token while you are reciving monthly paybacks. For the protection of your assets, we use a thirdparty wallet that is secure. The process of purchasing Villa Tokens (VTO), locking them in, and unlocking them if you someday wish to trade them, can be seen below.

Purchasing VTO Send Bitcoin/ Ethereum from Ethereum Wallet (not from an exchange platform) You receive Villa Tokens Locking In Your VTO Send your VTO to our Villa Lock Wallet Monthly Payouts of Bitcoin/Ethereum to your Ethereum Wallet Unlocking Your VTO We send your VTO from our Villa Lock Wallet back to your Ethereum Wallet Receive your VTO OUR MISSION Our mission is to decentralize the real estate world. We want to reduce the role that banks play in the housing market. We will put the power of real estate ownership back into the hands of the people.

VILLA TOKEN DETAILS Total Token Supply 100,000,000 Tokens For Sale 70,000,000 Tokens for Marketing 17,000,000 Tokens for Creators 9,000,000 Tokens for Partners 4,000,000 VTO Rate Soft Cap 1 ETH = 1,000 VTO 1 VTO = 0.001 ETH N/A Hard Cap $100,000,000 Currency Method of Pay Ethereum, Bitcoin

ROADMAP

ICO TIMELINE Pre-ICO Sale ICO Phase 1 ICO Phase 2 ICO Phase 3 Aug 1-20 Aug 21-Sept 15 Sept 16-30 Oct 1-15 5 Million VTO 10 Million VTO 15 Million VTO 40 Million VTO $0.69 $1.00 $1.59 $2.59 VESTING SCHEDULE FOR DEVELOPERS Vesting Schedule: There will be a 3-month cliff and a 48-month vesting schedule for developers. The cliff determines when the accumulated tokens will be available. The vesting schedule will be 48 months, where 1/48 th of tokens will be available each month following the end of the cliff.

MEMBERSHIP BREAKDOWN For monthly payouts, the tokenholder will need to lock their tokens in. Monthly payouts will be given to token holders in the form of Ethereum, Bitcoin, or Litecoin. The membership breakdown structure can be seen below. If you own and then lock in 6,500 tokens, you are in the Bronze Membership Group. The same logic applies to be in the Silver and Gold Membership Groups. If you would like to unlock your tokens, you are choosing to forfeit your last monthly payout and you will receive your VTO back into your Ethereum Wallet immediately after the following payout.

PAYOUT CASE STUDY Example 1: 90% of all profits (profits (P)= income (I) expenses (E)) goes back to investors who have their tokens locked in. If there is only 1 Gold Member, they will receive If there are 50 Silver Members, each one will receive If there are 75 Bronze Members, each one will receive P 70% # Gold Members P 25% # Silver Members per month P 5% # Bronze Members per month per month Expenses* can include, but are not limited to: Property tax Home owners insurance Damage costs Employee salaries Remodeling homes *varies state-to-state

SOURCES 1. Average Mortgage Rates in the U.S., http://www.gobankingrates.com/loans/ave-rates/ 2. How Many Americans Have Heard of Bitcoin (https://steemit.com/bitcoin/@jrcornel/how-manyamericans-have-heard-of-bitcoin-check-out-this-survey-to-find-out) 3. Tokens Vs. Coins: What is the Difference? 08/31/2017 (https://blog.chronobank.io/token-vs-coinwhats-the-difference-5ef7580d1199) 4. Democracy Earth Foundation Home Page: A Borderless Peer to Peer Democracy, 2015 (https://www.democracy.earth/) 5. Investopedia: Capitalization Rate, https://www.investopedia.com/terms/c/capitalizationrate.asp 6. Where to Buy: Price-to-Rent Ratio in 76 US Cities, https://smartasset.com/mortgage/price-to-rentratio-in-us-cities