My Name Is Exploring Futurein - CoinBank investor presentation 0108.pdf · supports muti-payment tools, such as Epay and UnionPay International for users and it cooperates with excellent

Exploring

FutureinDigital banking

My NameIs

January 2019

Investor Presentation

The Disruptive Digital BankingAge is Arriving

FULL-STACK BLOCKCHAIN DIGITAL BANK

Looking back at the past of the banking industry,

a disruptive era is coming

Traditional banking evolution70's

In the middle of 70’s, Citi bank was first to introduce ATM and more consensus have been reached among banks to open ATM terminal as well as inter-bank transactions.

90's

Digital connection

Digitalization

Moving into 21st century, more digital features are being introduced and there are more transition from traditional banking to digital banking

21st century

Now

Digital Bank

With the growing demand for e-banking, the technology has changed the way people live. As the time goes by, the digital bank will be in a position to serve the new generation

Until 90’s the arising Internet technology, banks are starting to add in the digital elements to the banking service, such as online transfer , online payment and e-statement

In the past one year, digital banking and mobile

bank attract much attention and capital

investment, such as Webank, Starling, Monzo etc.

There is a clear trend that new generation users

are moving toward user-friendly mobile and

digital platform. In the long run, digital bank

naturally caters the young generation’s needs ,

thus having the long-run development.

In 5 years,

the digital bank will take a more important role

The Digital Bank will create sustainable business value


Pic: UBS trading floor in Stanford

Breakthrough for the Productivity Cap


So far, the productivity cap of various industries is

continuously increasing, and the cost/income ratio

of some financial institutions has reached 45% to

60% (although the level of developing regions is

relatively low), but the blockchain and AI

technology integrate the decentralization with

intelligent automation, making it available to

rapidly increase the productivity cap.

● Mobile cross

● broad payment

● Online payment

● Digital asset collateral

● Crowd funding

● Rob-adviser

● Asset management

● centralized wallet

● Decentralized wallet

● KYC

● Customized KYC solution

● KYC authorization

● KYC information sharing

● Customized ATM terminal

● Point-to-

point digital service

● Biometrics identification

● Emerging market support

Key Applications for Digital Bank Industry

According to the studies of over 20 digital banks, 4 focus areas are as below:


P2P payment Asset management Identity verification Customized solution

As traditional enterprises enter the digital era, they will face major challenges

different from the past, seeking a balance between the impact of core

service transformation and the demand for daily expenditure returns. This

transformation will make more and more millennial labor participants far

away from the existing traditional business model. They will engage in new

jobs, collaborate with each other in the Internet and among individuals, and

undertake more social responsibility and spiritual mission. In the course of

building this new vision, team organizers will encounter more challenges in

leadership direction, internal structure, talent use and interaction. Therefore,

the emergence of digital bank will ensure that the transformation process will

be more smoothly.

Digital Bank and Millennials


The data on Linked in show that millennials prefer to regard services as partnerships.

Whether working in enterprises or using financial services, they prefer to pursue equality for all and

work hard for themselves.

Digital Bank and Digital Transaction

5 6 7 8 9 10 11 12 1 2 3 4 5 6 7 8 9 10 11 12

Average monthly transaction volume of digital assets from May 2017 to Dec. 2018, shown in coinmarketcap

Since Nov. 2017, the transaction volume of digital assets has soared sharply, which has experienced two

climax stages. Although it has dropped significantly from the peak in Jan. 2018, the transaction volume

of digital assets has maintained a stable range since June 2018, especially the emergence of StableCoins

and STO, letting the digital assets market have had new transaction demands as an active support.

Transaction amount: 51.2 billion US dollars


Digital Bank and StableCoin

There are 57 kinds of StableCoin in the market according to statistics, and 39% of them

is active and has been connected with financial and regulative entities gradually.

2014 2015 - 2016 2017 2018 H1 2018 H2

20+ others


Digital Bank and Digital Factoring

0

500000

1000000

1500000

2000000

2500000

3000000

2011 2012 2013 2014 2015 2016 2017 2018

Global business factoring field has been growing at a

compound growth rate of nearly 8% over the past few

years. According to FCI data, the global factoring field

generated more than 2.598 trillion Euros in business in

2017, and is expected to exceed 2.8 trillion Euros in 2018,

a year coming to an end soon.

Since 2014, factoring business has gradually moved from

the traditional process to online process, and commercial

factoring companies have tried to use digital technology

to reduce costs, but also to make factoring more efficient

and convenient. However, in 2018 or so, due to the

popularity of blockchain and AI technology, digital

factoring has been more concerned.


Fond of

conveni

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adaptab

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Fragme

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Time

Privacy

conscio

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Global

thinking

decentra

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y of

thinking

Frequent

use of

mobile

phone

Internet

aborigi

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We Are a Digital Bank

is a full-stack digital bank that

provides global digital financial services to

younger users.

Relying on a strong financial network and first-

class technology infrastructure, the company

provides users with 7x24 personalized digital

banking services that can be put into their

pockets and meet the diverse needs of users.


Global services Various choicesof assets

Full stack service

Diversified market


The members of CoinBank come from all over the world.

People of different personalities, specialties and regions

gather together and interact to generate interesting

things. We share information and viewpoints, constantly

brainstorm and change the world.

50+ Staff

20+ 5

4

Cooperative Exchanges Coverage Areas

Programing Languages

Business Model for COINBANK COINBANK, a new digital banking service system

loans

currency exchangebusiness

security exchange

cash business

factoring

credit check

B2C messaging

digital loans

digital currencyexchange business

digital asset trading

digital cash business

digital factoring

digital credit check

C2C IM

TraditionalBankingservices

DigitalBankingservices

VS


High

Low

Risks

StableCoins fixed-term deposit interest rate

Fixed-income wealth management/bonds

Digital securities exchange

Digital securities exchange

Digital securities/capital exchange

COINBANK provides users with a full range of assets allocation services concerning digital assets.

Allocate investment capital among various assets with different risk grade in accordance with the

investment demand of users.

Application-type/platform-typedigital assets investment

COINBANK Business Model -Assets Allocation


Digital derivativeinvestment

Digital securities

investment

Fixed-incomewealth management

StableCoinsfixed-term deposit

Income

Currency exchange business, with an

average daily transaction volume of

more than 2 trillion US dollars. And

digital currency exchange business is

one of Coinbank’s main focus with

the aim to become the biggest the

world's leading stable currency

exchange trading platform, which

provides safe trading environment

for traders around the world.

COINBANK OTC, comparing with other OTCs,

supports muti-payment tools, such as Epay and

UnionPay International for users and it

cooperates with excellent stable coin operation

teams to provide marketing and security

standard.

Business Model for COINBANK -Digital Currency OTC Business


Users trade their digital assets via C2C on Coinbank, who

provides various services, such as supervision of transactions,

KYC of both parties and asset custody to make sure the safety

of the trading process.

Business Model for COINBANK -Digital Cash transaction Service

API Diverse

integration

Merchant

System

fiat-crypto

trading

Lighting

Processing

Speed

KYC

BTM is a blockchain powered teller machine, which support cash service, digital asset

transaction and VISA card service in the future. It is developed by COINBANK team along

with digital asset exchanges and international payment operators. Users can log on by smart

phone, just a quick scan of QR code or NFC sensor to have the crypto to fiat service.


COINBANK - Digital payment

E-Payments is one of the largest local and Chinese

leading Mobile Payment service providers in New

Zealand. It is authorized to offer the four of Chinese

leading payment platforms, AliPay, Best Pay, JD Pay, and

WeChat Pay in China. E-Payments is a licensed

company to provide cross-border payment services.

Enterprise users of E-Payments

UKDE Limited is a financial technology group, focusing onsuch main businesses as digital finance and blockchaintechnology services. It aims at becoming a global digitalfinancial service provider integrating blockchain technologyservices, digital asset trading services, digital financialsettlement services and venture investment. UKDE has beenapproved by FCA to be an electronic money institution（EMI）and authorized to issue e-money and conductpayment clearing service.

Digital asset trading platform UKEX

Digital currency payment CNUK

A Trading Service Platform Providing Fiat Currency Deposit/ Withdraw And Exchange Services For Global Digital Assets.

A Global Digital Currency Payment And

Settlement Platform.



The lending process

Stable coin

BTC or ETH as collateral

Work with KGK, a one-hundred-year diamond processor.

The CEO of the Far East Development Fund, Russia will serve as Project Consultant.

Highly recognized by Russian Deputy Prime Minister Yuri Trutnev.

D1

Cases implemented

COINBANK will soon build a digital ecology for D1 and open

up various scenarios such as transaction, payment and cash

withdrawal for D1 in addition to operating D1 mortgage loan

products.

Business Model for COINBANK -Digital Loans

• Users can pledge certain mainstream digital currencies to CoinBank.

• CoinBank will lend the user 65%-80% of the market value of pledged assets in the form of a stable digital currency

based on the user's digital credit rating.

• When the average price of the pledged digital currency falls below the warning line, the security mechanism will be

triggered. At that time, the user will need to add deposit in the specified time, or return part of the stable digital asset

in advance to reduce the risk of leverage.

• If the user returns the asset within the specified time, the pledged mainstream digital currency will be released and

returned to the user.

Business Model for COINBANK–Digital Wealth

COINBANK and Digital Assets Transaction Platform BCEX jointly launched

"BabyCoin Gift Giving" service. Support BTC and CK to be used. With USD and

HKDT's participation, the whole operation process is of complete self-service,

and users may easily take part in through the platform, which further accelerate

the construction and layout of the global new eco-system of CoinBank.

Through the blockchain intelligent contract, the BabyCoin Gift Giving service can

effectively manage the assets of the merchants and users, and at the same time

also requires the service provider to provide a certain amount of assets to the

platform to be frozen and used as the reserve assets for gift giving and

effectively participate in the assets rights and interests of users. With more digital

assets teams and market quantification teams cooperating with COINBANK, the

platform will have more service products with large-amount gift giving.


Business Model for COINBANK - Digita Factoring


COINBANK can provide Digital Factoring to sellers in the supply chain finance sector.

COINBANK provides digital factoring services in

supply chain finance. In such business model,

suppliers selling its accounts receivable from

commodity trade or service contracts to Coinbank,

which provides integrated digital financial services,

such as digital assets financing, buyer credit

evaluation, account management and debt

collection to improve cash flow and account

receivable management of suppliers.

accounts receivable

confirmation

digital factoring

contract signed

selling accounts receivable

confirmation

confirmation

Suppliers Buyers

CoinBank


The COINBANK ecosystem plans to include nearly 20 exchanges

in the worldwide.

The 24x7 digital asset market results

in huge trading volume which

requires rapid transaction speed,

minimum delay and high liquidity.

Business Model for COINBANK -Digital Transaction

Business Model for COINBANK -C2C IM

Enormous data network

Decentralized users

Instant messaging

High processing capacity

Efficient financial services

Crypto social experience Muti-assets wallet

Efficient asset flow


COINBANK adopts the internationally accepted KYC standard and customizes upon the specific regulatory

requirements of different countries. And then various KYC standards are unified by Coinbank so that users are

enabled with most smooth and efficient operations.

"Bank of Asia" CJSC was founded on 10 February 1998

and is registered as a subject of the Free economic

zone "Bishkek". "Bank of Asia" is one of the few banks

in the Kyrgyz Republic established with 100%

participation of foreign capital. Since 2013 "Bank of

Asia" CJSC is actively cooperating with the EBRD.

→ Transparent corporate governance

and effective management

→ Professional and loyal team

→ Excellent financial performance

COINBANK & Banking System• Involvement of deposits on its own behalf on contractual terms;• Placement of own and/or raised funds on its own behalf on

contractual terms;• Opening and maintaining accounts;• Implementation of payments and settlements on behalf of customers

and correspondent banks and their cash servicing;• Issue, purchase, payment, acceptance, storage and confirmation of

payment documents (checks, letters of credit, promissory notes and other documents), including credit and payment cards;

• Acquisition of the right of claim from third parties for the fulfillment of obligations in cash (factoring);

• Payment of debt liability by buying promissory bills and bills of exchange(forfeiting);

• Issue and placement of debt securities;• Issuance of bank guarantees;• Implementation of money transfers of customers, including without

opening an account;• Opening and maintenance of correspondent accounts for non-

resident banks of the Kyrgyz Republic;• Carrying out of transactions of foreign currency accounts for

customers and for acquisition(exchange) of foreign currency on behalf of the client;

• Purchase and sale (exchange) of foreign currency on its own behalf;• Making transaction with derivative financial instruments(derivatives);• Receiving and make payments and settlements for goods and services

that are not the result of own activities, in favor of third parties through payment systems based on information technology andelectronic means and methods of making payments.BOA;

→ 19 years of local banking

experience and sustainable

development.

→ Cooperating with many

international partners, such as EBRD,

MEF, IFC, and Responsibility

Investments AG etc.


More cooperation is in progress……

COINBANK & Stable coin System COINBANK is one of the digital banks which access to the largest number of stable coins.

The current balance The issuance of digital currency,

trading information, cancellation of

transaction and historical transaction

information of digital currency can be

queried on the chain.

The amount of digital assets and legal

tender in the account is announced

through the bank asset certificate and

are regularly audited by independent

institutions.

Digital currency in circulation

(liabilities) is backed by the same or a

larger number of digital assets or

legal tender (assets).

Users Deposit digital assets or legal

tender into an escrow account

Users’coinbank’s account generated

Assets can be transfered, exchanged and

stored by users through a coinbank wallet

Users redeem mortgage assets after returning digital assets. Coinbank

deposits equivalent amount of legal

tender into users’ bank account

Dollar Area Japanese yen Area

To be continue …


COINBANK & Stable coin System

CK.USD is a stable coin. Issued

by Cascadia Blockchain Group, a

Canadian listed company,

CK.USD is now acquired by the

CoinBank, currently known as

CoinBank USD Token, and

planned to move to the

independent open source public

chain developed by CoinBank. In

COINBANK ecosystem, it will

gain a variety of applications

and become more diversified.

Based on blockchain technology

and digital asset applications,

Anchor, CoinBank and other

teams developed and issued

HKDT, a stable coin. And they

will integrate Coinbank’s global

exchanges and banks ecosystem

with Anchor’s large users group

and experience of user

operation to achieve overall

win-win development in the

near future.

GUSD is a StableCoin issued by

Gemini, anchoring with US

dollar. It combines credibility

and stability of US dollar, and

technical strength of

cryptocurrency. Moreover, it

also manifests the standard of

American regulators. Based on

ERC20, GUSD can be circulated

on Ethereum.

USDCoin issued by a Blockchain

Financial company Circle in May

of 2018 as a StableCoin. Circle's

ecosystem is tremendous. This

February, Circle announced to

acquire Poloniex, Top 3 Digital

exchange in Globe, with 400

million dollars. Currently, Poloniex

provides more than 70 kinds of

cryptocurrencies to exchange.

Daily volume of transactions

reach up to 300 million dollars.

More cooperation is in progress……

HKDT


COINBANK & Storage and Management System


Quick LiquidationCapability

Real-TimeExchange / Payment

Asset Custody Center

CoinBank's global storage and management system uses the

underlying technical services provided by EXAS. EXAS

supports many application scenarios access and provides

specialized functional modules for different application

scenarios, which can satisfy the diversified development of

CoinBank in the future to the greatest extent. In the aspect of

assets custody, EXAS integrates many years' experience of the

exchange industry into the basic services of

assets custody.

Global MatchingCenter

Shared Depth

Exchange Alliance

Central QuantitativeTransaction

Global Liquidity

Competitive advantages

01

Complete

Digital Service

Infrastructure

During the bear market, users generally shift from high-risk and high-return investment channelsto stable and bottom-preserving investment channels, preferring to choose large platforms withbrand, perfect layout and high circulation conversion. COINBANK uses this time window to speedup the layout, and has formed a complete ecosystem that integrates assets issue terminal (StableCoins),assets deposit and withdrawal terminal (bank, ATM) assets transaction terminal (exchange, OTC,payment), triggering user needs at multiple points, and forming a complete closed-loop userexperience.

02

03

04

COINBANK main network upgrade, compatible with more existing protocols with more interfaces. Theupdated CNET main network has used a more rigorous strong UTXO accounting model, which is suitable fordigital financial scenarios with rigorous requirements such as digital assets, stable assets and STO, and thenew main network also uses the original multi-asset model and designs a targeted instruction system.

The COINBANK team is led by senior Wall Street financiers, composed of post-98 communityoperators and many professionals from the financial field and the blockchain field. On average, thepersonnel in the blockchain field have more than four years of experience related to digital operation ortechnology R&D. The team has strong interoperability and crossover ability and is highly complementary.Integration of stock quotation manipulation with market acuity.

COINBANK has an internationalized team of shareholders and consultants, including overseas funds,StableCoins institutions, listed companies, media groups, exchanges and so on. Diversified backgroundof shareholders and consultants will bring strategic synergy to COINBANK in many aspects, which is a strongguarantee for COINBANK to enter the international market and achieve leading advantages.


Leading

Technology/High

Safety

Compound team has

rich operational

experience

Powerful shareholders

and partners

Our Team Members

Andrew Yong CEO

Worked for Morgan Stanley

and GE Capital, who was

engaged in IPO listing and

M&As deals , and has

years of exper ience in

investment banking and

c a p i t a l m a r k e t s .

Adam Cai NA CEO

Years of experience in

in te rnat iona l f inance ,

including internat ional

inter-bank capital markets,

hedge funds and listed

blockchain enterprises,

currently serving as NA

C E O o f C o i n B a n k .

Dong Kuai CCO

Co-founder, with four years

of experience in using digital

money , had run game

communities with hundreds

o f t h o u s a n d p e o p l e

independently at the age of

16, and is one of entre-

preneurs born after 1998.

FanKe Meng CTO

S e n i o r d e v e l o p e r o f

blockchain, with eight years of

experience in developing

d i g i t a l c u r r e n c y a n d

blockchain technology, has

h e lpe d m an y te am s t o

complete the R&D and model

design of digital currency.

Jack Gu OD Director

Master o f Macquar ie

Applied Finance, former

Chief Investment Officer

of Hyper Fund, with many

years of experience in

fund management and

venture capital, CFA level

3 .

We are confident in the goals we want to achieve and keep moving forward.


Strategic advisors

Danny Deng

Chairman, Taiyi Cloud

Alexei Chekunkov

Far East Dev Fund CEO

Hogi Hyun

D1 Founder Director

Shousong Zhang

Founder, Btctrade

Feng Wang

Founder, Mars Finance

Zhiwei Liu

CEO, Oriental Patron


The total transaction volume and active user number

in the CoinBank ecosystem are rising steadily, and

through years of infrastructure and recyclable

development strategies, it keeps moving forward

even during the bear market.

48billion

Transaction

Volume in Total

2.6million

Registered

User

100+

Supportive

Currencies

Month1

Month2

Month3

Month4

Month5

Month6

Month7

Month8

We Are CoinBank

Joint development makes us one of the

fastest growing digital banks in the world.

30billion

COINBANK Cycle Development


Year 2018

COINBANK Global Layout


Coinbank plans to build presence in over 30 countries around the global

Canada Division

（North America）

Cambodia Division

（Eastern Asia）

Hongkong Division（Great China Region）

Kazakhstan Division

（Middle Asia）

UK division （Eastern Europe）

Project Milestone

201808

201810

201811

− Establishment ofCOINBANK.

− Launch of Website.

− Achieve cooperation with

CKUSD, GUSD and GEMINI.

− Link more than 20

exchanges globally.

− Launch in New York for the

layout in North America.

− Launch of CoinBank App 1.0.

− Achieve cooperation with Diamond

D1 and meet with Russian Deputy

Prime Minister.

− Lay out in the Japanese market and

meet with Yukio Hatoyama.


UKED and E-PAYMENTS.

− Launch BabyCoin Gift Giving

with BCEX.

− Complete link exchange and

major network upgrading.

2019Q1

2019Q2

2019Q3

− Link multi-regional

StableCoins.

− Establish COINBANK Fund.

− Global custodian bank

cooperation.

− BTM multi-regional

implementation

− Mobile terminal

products upgrading

− Wallet upgrading

− Link global Tier 1 Exchange


VISA card

− To Be Continue


201812

Profit-making mode

Stage 1: Complete infrastructure, online and offline users/funds flow closed-loop,multi-point charge C-terminal services/procedures fees

Stage 2: Form user aggregation effect, attract B-terminal service agencies to access the platform,expand the ecosystem, and further lower the cost of user acquisition

OTC transactioncharges

ATM deposit and withdrawal charges

Online transfer/payment charges

Income from lending VISA cardactivating charges

Exchangeaccess fees

StableCoinsaccess fees

Financial institutionaccess fees

Information andnews release as proxy

Compliance, audit andother third-party services


Our Media Communication

From Oct. to Nov. CoinBank was reported for 26

times by media, more than 80% of which were written

and reported by third parties. Three languages were

adopted for the information communication used:

Chinese, Japanese and English.

Strategic Cooperative Media:

50+Media

Coverage

10+ 10+ 3Media Docking

Enterprises Participationin Activities

LanguageCoverage


Business partnerFULL-STACK BLOCKCHAIN DIGITAL BANK

CascadiaBlockchain Group

Documents

My Name Is Exploring Futurein - CoinBank investor presentation 0108.pdf · supports muti-payment tools, such as Epay and UnionPay International for users and it cooperates with excellent