KILONOVA BLOCKCHAIN PLATFORM AND CRYPTOBANK KILONOVACOIN WHITEPAPER

KILONOVA BLOCKCHAIN PLATFORM AND CRYPTOBANK KILONOVACOIN WHITEPAPER 1

CONTENT: 1. WHAT IS THE KILONOVACOIN PLATFORM? WHAT IS KILONOVA CRYPTOCURRENCY? 1.1. INTRODUCTION 1.2. UNIQUE GOLD-BACKED CRYPTOCURRENCY, FULL RANGE OF SERVICES 2. EXCLUSIVE ADVANTAGES OF KILONOVACOIN 2.1. GOLD-BACKED WITH ITS OWN GOLD RESERVE 2.2. UNIQUE IDENTIFICATION FOR EACH COIN; REIMBURSEMENT IS POSSIBLE AND HACKER ATTACK IS POINTLESS 2.3. NO LOSS OF FUNDS, REIMBURSEMENT 2.4. VALUE-ENHANCING INVESTMENTS IN PHYSICAL GOLD MINING 2.5. FULL ACCESS TO THE INFORMATION CONCERNING RESERVES 2.6. THE POSSIBILITY OF TRANSFERRING FUNDS TO TRUST MANAGEMENT FOR A FIXED INCOME 2.7. MINIMIZED FORMALITIES - MAXIMUMIZED FLEXIBILITY 2.8. QUICK CONVERSION INTO FIAT CURRENCIES, RATE INCREASE 2.9. ALTERNATIVE INDEPENDENT BANK ACCOUNT 3. THE RESULT: EXCLUSIVE CRYPTOCURRENCY AS A NEW GOLD STANDARD FOR THE DIGITAL ECONOMY 4. WHO IS OUR TARGET AUDIENCE? 5. LEGAL ASPECTS OF THE ACTIVITY 6. THE USES OF KILONOVA CRYPTOCURRENCY 6.1. MEANS OF PAYMENT AND FUNDS SAVER 6.2. INVESTMENT TOOL 7. CRYPTO CARD KILONOVACOIN WITH PAYMENT SYSTEMS VISA AND MASTER CARD 8. KILONOVACOIN MOBILE APP FOR BANKING OPERATIONS 8.1. KILONOVACOIN CRYPTOBANK 8.2. KILONOVACOIN CRYPTOBANK FEATURES 9. INVESTMENT IN KILONOVA INVESTMENT IN GOLD 10. WHY WE CHOOSE GOLD? 11. KILONOVA CRYPTOCURRENCY GROWTH OF RATE DISCLAIMER 2

1. WHAT IS THE KILONOVACOIN PLATFORM? WHAT IS KILONOVA CRYPTOCURRENCY? 1.1 INTRODUCTION KILONOVACOIN is the innovative blockchain platform and cryptocurrency which operates the unique 100% gold-backed digital cryptocurrency KILONOVA. The gold is owned and directly extracted by the issuer. The unique KILONOVA cryptocurrency has real, not virtual value, as determined by the issuer's own assets and physical gold reserves. The volume of KILONOVACOIN owned physical gold reserves confirmed positively by auditors is so substantial that its quantity at any time equals or exceeds the amount of KILONOVA cryptocurrency that is in free circulation. 1.2 UNIQUE GOLD-BACKED CRYPTOCURRENCY, FULL RANGE OF BLOCKCHAIN-BASED CRYPTO BANK SERVICES OUR MISSION: ONE INNOVATIVE TOOL TO COMBINE ALL ADVANTAGES OF CRYPTOECONOMICS AND GOLD INVESTING This project is mainly aimed to create a unique financial digital investment tool, enveloping both the advantages of cryptoeconomics and blockchain technology (Anonymity, full independence from any banking system, easy transactions, the ability to pay for any goods and services via the world's leading payment systems such as MasterCard, Visa, American Express, PayPal etc.), cash withdrawal in any country in the world, transaction costs minimization, the strongest transaction safety, assured passive income, extensive use on any mobile device (with no need to have a bank account) in combination with advantages of traditional gold investment. 2. EXCLUSIVE ADVANTAGES OF KILONOVACOIN Compared to other blockchain-backed platforms, KILONOVACOIN has a number of exclusive advantages fundamentally distinguishing the KILONOVA cryptocurrency from similar cryptoassets that are directly linked to the market gold price. The advantages are: 2.1. GOLD-BACKED WITH ITS OWN GOLD RESERVE The unique KILONOVA cryptoassets are fully gold-backed with its own gold reserve (not purchased on the free market), mined by a number of international gold mining companies which have been successfully operating in the world gold market for a long time. The market launch of its own cryptocurrency on its own blockchain platform is an obvious extension of the company's offer to its customers; 2.2. UNIQUE IDENTIFICATION FOR EACH COIN: REIMBURSEMENT IS POSSIBLE AND HACKER ATTACK IS POINTLESS Each KILONOVACOIN platform coin issued in an ICO will be supplied with an individual identification number similar to the serial numbers of currency notes and this enables the immediate withdrawal of individual coins from circulation in case they are lost by the investor as a result of hacker attack and such investor will be immediately reimbursed in this cryptocurrency with new individual identification numbers. This mechanism increases the security of investment in this cryptocurrency significantly and makes this asset less attractive for hacker attack. 3

2.3. NO LOSS OF FUNDS, REIMBURSEMENT GUARANTEE KILONOVA coin investors who purchase coins directly during the ICO and on the KIONOVACOIN platform have low risks of losing all funds spent on the purchase of KILONOVA. In case the rate of KILONOVA cryptocurrency on the KILONOVACOIN platform falls to a level that is lower than the price of coin placement in ICO, the platform guarantees the redemption of coins at a fixed nominal value for which the first-stage investor purchased a coin during the ICO (minus a small transaction commission). The return of funds to the first-stage investor is fully guaranteed by the company's assets and is provided by the difference in the cost price of gold mining and its current market quotes. An investor's financial losses arising as a result of trading the KILONOVA crypto currency on platforms other than the KILONOVACOIN platform are not reimbursed; 2.4. VALUE-ENHANCING INVESTMENTS IN PHYSICAL GOLD MINING Fiat funds received from KILONOVACOIN investors are directed to the increase of physical gold extraction volume (gold mining) and, after the increase of gold reserves volume is confirmed positively by auditors this becomes the ground for emission of new coins on KILONOVACOIN platform. New coins are mined by KILONOVACOIN Company, the number of coins on the market is fully conform to its own gold reserve; 2.5. FULL ACCESS TO THE INFORMATION CONCERNING RESERVES Investors will have available, confirmed and transparent information concerning gold reserves of the fund at any time. 2.6. THE POSSIBILITY OF TRANSFERRING FUNDS TO TRUST MANAGEMENT FOR A FIXED INCOME The possibility of obtaining a fixed profit for short-term and long-term investments in this cryptocurrency is guaranteed under the terms of agreement set with the issuing company by purchasing a cryptocurrency and transferring it to trust management. 2.7. MINIMIZED FORMALITIES - MAXIMUMIZED FLEXIBILITY Simplified user registration on the KILONOVACOIN platform ensures the owner identification in the event of repurchase or loss of KILONOVA cryptoassets. All external actions with KILONOVA crypto currency are completely anonymous; 2.8. QUICK CONVERSION INTO FIAT CURRENCIES, RATE INCREASE Quick KILONOVA cryptocurrency conversion into principal world fiat currencies, receipt of payments in any currency to a plastic card, crypto wallet, corporate transactional account or personal account. In comparison to other cryptocurrencies which are not provided with any liquid assets, the KILONOVA cryptocurrency is highly trustworthy for investors and this results in practically programmed rate growth with subsequent additional emissions. 2.9. ALTERNATIVE INDEPENDENT BANK ACCOUNT Our cryptocurrency represents the unique alternative to the bank account. This tool allows you to manage your own finances using all the functions and benefits of blockchain technology and avoid all 4

of the shortcomings and limitations presently existing in the sphere of traditional capital management. The client creates a practically alternative, independent, flexible bank account. Due to the wide possibilities of use and investment this cryptocurrency is not only a money saving technique but also a stable, secured income growth tool for each investor, offering - A variety of methods to pay for any goods and services by using your own electronic payment instruments (cards), linked to the main payment service provider companies (Visa, MasterCard, American Express); - Possibilities of using cryptocurrency on mobile devices, regardless of having a bank account - QR Code Payments are available; - Investor's cryptocurrency funds can't be blocked as if they were in bank that could restrict client's access to the accounts and deprive clients of making deposits transfers and withdrawals such as what recently took place in the banks of Greece, Cyprus and Ireland; - Our crypto currency brings back the gold standard. 3. THE RESULT: AN EXCLUSIVE CRYPTOCURRENCY AS A NEW GOLD STANDARD FOR THE DIGITAL ECONOMY Thus, a completely gold-backed with the issuing company s gold reserves; the KILONOVA cryptoasset is independent and valuable cryptocurrency that is inflation protected and is in free flotation on the crypto market, not linked to any fiat currency value and not solely linked to the value of gold in the free market. The cryptocurrency price is based on the company's physical gold assets value, business's aggregate value as well as the value of newly acquired assets. New coins emission is strictly limited to new assets and is directly linked to physical mining of gold, not virtual mining of coins as it's performed for other cryptocurrencies. The coin price is not linked to the market value of gold in grams or ounces that is also reduces the risk of cryptoasset volatility. The Company's gold assets are diversified and independent from stock exchanges and financial institutions. As a result, the risk of depreciation or cryptoasset loss of cryptoactivity is minimized. 4. WHO IS OUR TARGET AUDIENCE? - Individuals (focus point: private investments, independent means of payment for any goods and services, transfers, loans, insurance, cash withdrawal in different countries) - Cryptocurrency traders and gold traders (focus point: means of profit taking and risk hedging) - Traditional banks (focus point: liquidity expansion, fiat assets sale and purchase transactions to meet the bank's and clients' needs, free funds investing directed by the bank, an additional tool for investment banking) - Professional investors (focus point: assets saving and growth, credit granting) - Investors from the countries where the demonetization takes place (India, etc.) 5

5. LEGAL ASPECTS OF THE ACTIVITY The Company will observe observance of all local norms and provisions of the legislation concerning the financial transactions with individuals and legal entities. To purchase the KILONOVA cryptoasset on the KILONOVACOIN blockchain platform the investor must pass a know your customer (KYC) identity verification procedure. 6. THE USES OF KILONOVA CRYPTOCURRENCY 6.1. MEANS OF PAYMENT AND FUNDS SAVER - Cryptocurrency funds transfer is faster, cheaper, more reliable and more secure than traditional bank transfers; use; - Uses the world's major payment systems (MasterCard, VISA, Amex, etc.) are available for - You can withdraw cash with the immediate conversion of the cryptoasset to a recognized world fiat currency at current exchange rates with low transaction commission; - You can deposit funds to your digital wallet or bank account; - Low volatility cryptocurrency may be considered and used as the perfect payment instrument; - The use of smart contracts technology allows us to make transactions rapidly verified and completely transparent, the payments and obligations performance are secure without involving the third party; - Assets are fully protected from third-party interference. 6.2. INVESTMENT TOOL - Our cryptocurrency is an asset which, due to its specificity, is nearly resistant to inflation fluctuations; - Funds can be deposited to cryptocurrency by transfer to our trust management; - No link to fiat money rate fluctuations; - Policies and actions of central banks of different countries have no effect on cryptocurrency; - Investors trust the unique digital asset as the coins are gold-backed with confirmed gold reserves; - If the majority of traditional investors accepts the cryptocurrency it will become the perfect investment asset; - There is a close correlation between the cryptocurrency rate increase and constant increase of the issuing company's physical gold reserves volume. 7. CRYPTO CARD KILONOVACOIN WITH VISA AND MASTER CARD PAYMENT SYSTEMS Nowadays, crypto debit cards are becoming popular in the market. The service for these types of cards can be provided by Visa and MasterCard payment systems. For your convenience, KILONOVACOIN crypto cards will be issued. These cards will look similar to classical bank cards and can be used for everyday life purchases. The main difference between the KILONOVACOIN crypto 6

card and usual bank card is that KILONOVACOIN crypto card is not linked not to your bank account but to the electronic wallet where your virtual money is stored. 8. KILONOVACOIN MOBILE APP FOR BANKING OPERATIONS 8.1 KILONOVACOIN CRYPTOBANK To make KILONOVA cryptocurrency widely used by common customers we will provide the specialized services of our own crypto banking. Any user will be able to use our cryptocurrency as well as any other currency and enjoy all range of cryptocurrency advantages such as the lowest transaction fees, fastest payments, cross-border banking services, anonymity, high transaction security, etc.; The KILONOVACOIN cryptobank application will be available for download in all App stores and Google play and we are planning to make it immediately be ready for use on any mobile device. KILONOVACOIN cryptobank provides the mechanism for both transactions with fiat and cryptocurrencies and makes them interchangeable. KILONOVACOIN digital bank will enable the clients to use cryptocurrencies to pay for that are sold for fiat money, there will be no transactions limitations, the commission will be low in any payment points (both online and offline). 8.2. KILONOVACOIN CRYPTOBANK FEATURES Standard services will include the following: - Sale and purchase of KILONOVA, BTC, ETH, XRP, LTC, Dash, XEM, NEO, MIOTA, XMR, and many other cryptocurrencies and tokens - International wire transfers to crypto wallets including bank account cards without any limitations and restrictions (there will be only limitations protecting from money laundering) - Cryptoassets conversion and exchange - Direct payment for goods and services - Automatic Direct Debit Payments - Transaction history data (with features of sorting and category filter) - Fiat money transactions - Peer-to-Peer (P2P) cryptocurrency and fiat money exchange - Deposits with interest rate in cryptocurrency - Insurance purchase - Use as collateral to obtain loans 9. INVESTMENT IN KILONOVA INVESTMENT IN GOLD When purchasing our cryptocurrency the investor puts fiat money into a cryptoasset, and the value of the cryptoasset is directly linked to the volume of physical gold extracted and possessed by the issuing company; i.e., the value of the cryptoasset is linked to the company's real capitalization and not dependent on the exchange rate fluctuations on international stock exchanges. Also this cryptocurrency is a flexible investment tool that does not require the investor to own gold and this means the investor is relieved from associated costs such as paying VAT for physical sales, the need to move, store, buying metal insurance, opening a precious metal account, etc. Smart contracts will offer additional flexibility and liquidity when working with this asset. 10. WHY WE CHOSE GOLD? 7

For 5,000 years, from the era of pharaohs to presidents, gold has always embodied a sign of power and wealth. The one who had gold has always had money. Nothing has changed in modern times. Whoever controls the gold controls the money and power. Civilizations vanish through time, and currencies disappear, but gold has always remained a stable measure for the value of goods and services. Gold is a unique product that will never lose its value. Nowadays, there is no any other asset whose quality and characteristics would be able to compete with gold: 1. Physical gold provides a stable guarantee for capital savings since nothing can happen to gold. Gold is highly corrosive resistant. Gold is one of the only substances in nature whose quality and condition is never-changing. 2. Its property value and liquidity allows gold to be the only real international currency recognized as such in almost all countries in the world. How much time would it take you to get cash since the moment you decide to liquidate your gold asset? No longer than 24 hours in any country in the world! Because gold is being sold and bought 24 hours a day around the world. Gold is a very special investment commodity; physical gold in its essence is the only real internationally recognized money. 3. When selling an asset you get your money in the currency of the country where you sell your gold: in the US you will get dollars, in Europe you will get Euro, in Russia you get Russian Ruble, because gold is the only real currency in the world. Gold plays a significant role in international trade. 4. Gold bars are sold and bought by governments of all countries. One part of gold reserves is used to pay the international debts and confirm the country's currency value, the other, bigger part of gold reserves, is always stored. 5. Gold in storage is practically the only liquid asset of any state. Physical gold can be sold at any time on the global market and this becomes a powerful tool for states to influence the financial policy and international relations. 6. Gold is one of the only assets that is always valuable in times of social upheavals and political disruptions, wars and natural calamities. It has never lost its value throughout the history of mankind which is longer than 5,000 years. 7. Gold always has a value compared to paper money. This fact is also undeniable. Throughout history almost all paper money we know of has lost in the past or losing now its value and purchasing power. Paper money is only the obligation of a state, which is usually not executed during the difficult economic periods. History shows that paper money always return to its origin, paper. 8. Gold is almost inflation resistant. This statement can be confirmed by any economic theory. In reality it can be proved by many facts, here is one of examples: let's look at Ford car (model T) for wealthy buyers in 1906. The price of this car was 850 US dollars. The price of gold in 1906 was $ 20 per troy ounce. Thus, the price of this car in gold was equivalent of 42.5 troy ounces of metal on the market. For comparison: 2010, Ford Explorer car for wealthy buyers, the price is 52,500 US dollars. The average gold price was about 1.235 US dollars per troy ounce. The price of this car in gold was still equivalent of 42.5 troy ounces in 2010. 9. Gold is an irreplaceable natural resource, as the proven gold reserves in the Earth crust are finite and are being gradually depleted. Due to the fact that the amount of this metal is limited, in the long-term the demand for gold from both public and private investors will only grow and we can 8

already see it happening in the world markets. At present, many states continuously increase their own gold reserves. As an example for this, we can name such countries as Russia and China. In our opinion, this long-term tendency will most probably lead to the growth of the market prices for gold, and this, in turn, will lead to the KILONOVA cryptocurrency cost increase. 11. KILONOVA CRYPTOCURRENCY GROWTH RATE When the ICO is finished and KILONOVA is placed on recognized cryptocurrency stock exchanges we expect an inevitable growth rate which is determined by the following factors: - Each issued coin has been initially gold-backed with the issuing company's corresponded volume of physical gold. It makes this cryptoasset unique and different from all existing cryptocurrencies; the emission of all these cryptocurrencies is not secured with any highly liquid physical assets; - Each coin is supplied with its unique individual identification number similar to the serial numbers of fiat notes. This mechanism is designed to reduce significantly the risk of hacker attacks. Any coin or part of this coin which was obtained illegally as a result of a hacker attack will be immediately withdrawn from circulation and destroyed. No one will have an access to such asset and the legal owner will receive a new asset; - Therefore, the investor is assured a return of funds spent in an ICO on the KILONOVACOIN platform for a cryptocurrency purchase in case the funds are lost as a result of a hacker attack. It reduces the investment risks and significantly reduces the risk of hacker attacks. Such a unique mechanism is assured to support quotations development; - Unlike most cryptocurrencies, this coin may be used in a real economy rather than a virtual one and this is what increases its real capitalization. Cryptoasset holders will be able to use the following independent and flexible financial instruments: A) payment method that is independent from banks (personal plastic card, cryptocurrency and fiat money exchange, any types of payment, payments via the world's leading payment systems (MasterCard, Visa, American Express, PayPal etc.), B) An independent store of value (deposits, different types of insurance) C) Targeted loans can be provided regardless of the rate assigned by traditional banks and presence or absence of a bank account. D) Tokens can be transferred to asset management, and a passive income is assured. E) The involvement of both private and big investors will also lead to the coin's rate growth. Thus, we have worked out an exclusive financial digital tool that provides investors and participants of this system with conditions for generating profits. We are following the principle of complete and unlimited freedom for actions with personal financial assets. Our investors get the tool that will allow them to escape from traditional financial market and also provide them with a wide range of capital management alternative opportunities. 9

DISCLAIMER PLEASE READ THIS DISCLAIMER SECTION CAREFULLY. CONSULT LEGAL AND FINANCIAL EXPERTS FOR FURTHER GUIDANCE. The following information may be incomplete, in no way implies a contractual relationship, and is not an offering for an investment. While we make every effort to ensure that all information in this white paper is accurate and up to date, such material in no way constitutes professional advice. KILONOVACOIN neither guarantees nor accepts responsibility for the accuracy, reliability, current (as of this White Paper) or completeness of this content. Individuals intending to invest in the platform should seek independent professional advice prior to acting on any of the information contained in this paper. The KILONOVACOIN cryptocurrency is currently in the conceputal stage. Citizens, residents (tax or otherwise) and legal residents of the United States of America, Singapore, or other U.S. or Singapore Person may be restricted from investing in the project. The term U.S. or Singapore Person refers to anyone who lives in the United States or Singapore or any entity that is incorporated under United States or Singapore law. American citizens living abroad can also be considered U.S. Persons under certain conditions. Certain information set forth in this presentation contains forward-looking information, including future oriented financial information and financial outlook, under applicable securities laws (collectively referred to herein as forward-looking statements). Except for statements of historical fact, information contained herein constitutes forward-looking statements and includes, but is not limited to, the (i) projected financial performance of KILONOVACOIN (the Company ); (ii) the expected development of the Company s business, projects and joint ventures; (iii) execution of the Company s vision and growth strategy, including with respect to future activity and global growth; (iv) sources and availability of third-party financing for the Company s projects; (v) completion of the Company s projects that are currently underway, in development or otherwise under consideration; and (vi) future liquidity, working capital, and capital requirements. Forward-looking statements are provided to allow potential investors the opportunity to understand management s beliefs and opinions in respect of the future so that they may use such beliefs and opinions as one factor in evaluating an investment. These statements are not guarantees of future performance and undue reliance should not be placed on them. Such forward-looking statements necessarily involve known and unknown risks and uncertainties, which may cause actual performance and financial results in future periods to differ materially from any projections of future performance or result expressed or implied by such forward-looking statements. Although forward-looking statements contained in this presentation are based upon what management of the Company believes are reasonable assumptions, there can be no assurance that forward-looking statements will prove to be accurate, as actual results and future events could differ materially from those anticipated in such statements. The Company undertakes no obligation to update forward-looking statements if circumstances or management s estimates or opinions should change except as required by applicable securities laws. The reader is cautioned not to place undue reliance on forward-looking statements. 10