Probably, each of us is well acquainted with the situation when, when paying for goods in the store, the cashier begins fussily to seek a change or asks to look for small money in his pocket. Then, after routine manipulations, we get the long-awaited delivery and, not knowing what to do with it, we throw it away and deeper or just leave it at the checkout. Returning home, we again think how to "dispose" of the trifle randomly scattered in different corners, and at best we decide to have a piggy bank.

Of course, the problem is not global. In addition, payment cards and loyalty programs of large retail chains partially solve it. But still, did you think about the old wisdom, rooted in the proverb "with the world on a thread - a bare shirt," in the context of investing? I did not think such a thought at all until I got acquainted with crypto-currencies! It turns out that our trifle can do great things with the right approach, which is proven in practice by finteh startups.

Benjamin Franklin, who died in 1791, bequeathed $ 5,000 dollars to Boston and Philadelphia, provided that they can receive this money in 100 or 200 years. In 1991, the cities received approximately $ 20,000,000.

In the last decade, microinvesting platforms are actively developing, which allow you to accumulate funds that disappear in our daily routine for investment and income generation. With the development of technology blockbuster and crypto currency, such platforms are becoming increasingly effective and flexible in offering options and ways of investing. Below we will consider several projects offering a solution in this area, which currently collect funding through the initial offering of tokens (ICO / ITO).

SAVEDROID: micro savings in crypto currency is easy.

savedroid is a company founded in 2015 in Frankfurt am Main, which for the last 2 years has achieved significant success in the field of automation of micro-savings, offering its users a convenient and intuitive, understandable application. The savedroid application uses a self-learning artificial intelligence algorithm that analyzes user accounts to determine the potential for savings and cost optimization, for example for utilities, mobile communications, insurance and banking transactions. Since the launch in July 2016, the savedroid application has been downloaded over 200,000 times, and over 10 million transactions have already been carried out through it.

Using its experience of optimizing the process of micro-savings and development in the field of artificial intelligence, savedroid plans to create a unique ecosystem for crypto-currency savings and investment, which will be aimed at a broad audience. At the same time, the project team relies on the maximum simplification of technical complexities related to the use of crypto-currencies, such as the selection and maintenance of a purse, the storage of secret keys, interaction with crypto-exchange exchanges,

The savedroid application applies artificial intelligence for self-learning rules "if-it-then-then", called "smooves". Users define personal savings goals (for example, their next summer vacation, a new smartphone or the latest model of sneakers), and then set up personalized events that will trigger savings. Over time, AI savedroid learns more about the individual preferences of users and will offer personalized "smooves" to further optimize the savings and user habits of users.

Users can configure the application, for example, in this way: to postpone 5.00 euros every time I run at least 3 kilometers. Since the savedroid application is connected to the fitness tracker and to the user's bank account, it will automatically transfer money to the savings account.

savedroid is not only "saving money" in the sense of "saving money", but also reducing costs for everyday expenses. Because the savedroid algorithms get information about what transfers a user makes from his bank account, they can determine what services he uses. Analyzing this information, the AI algorithm makes individual offers that are cheaper or provide a better value for money. Such functionality became possible, among other things, thanks to a strategic partnership with the innovative Wirecard Bank, Drillisch and Freenet telecommunications companies, Check24 Internet portal and others.

In this context, savedroid makes an important step in the development of the savings process, linking the cumulative transactions with the individual way of life of users. The campaign approach is built on three important components:

simplification and provision of microeconomics;
automation to rid users of routine;
a combination of savings transactions with unique events that users like or dislike, which makes the boring saving process interesting.

If the initial offer of tokens is successful, the company will be able to realize its unique achievements in the field of crypto-currencies, which will significantly strengthen the position of the product in the market. At the moment, ICO continues, the completion of raising funds is scheduled for March 9, 2018. The SVD token value is 1 euro, and the minimum purchase amount is 10 SVD tokens. At the moment, more than 2.8 million SVD tokens have been sold. More detailed information about the project can be found on the Savedroid website and in the white project book , which is also available in Russian .

Skraps - invest change in crypto currency

The Skraps project proposes to invest change from everyday purchases into diversified crypto-investment portfolios. The platform is aimed at removing restrictions related to investment (minimum investment, minimum balance, withdrawal threshold or long-term processing of payments), thus providing an easy way for every person to get acquainted with the world of investment.

The Skraps platform will facilitate the process of investing in crypto-currencies, saving users from the constant problems associated with the choice of the exchange, the crypto-currency asset, and the calculation of the entry / exit point for investment. In other words, the platform will ensure the possibility of implementing systematic investments using available means to form a diversified portfolio of crypto-currencies.

Platform users need only 3 simple steps to get started: connect a bank card or a crypto-currency purse, set the parameters of the amount (deposit) from purchases and choose an investment strategy. Immediately after the launch, users will be able to choose one of five investment portfolios, combining a different risk-return relationship. Portfolios will be compiled and managed by experienced crypto-currency experts.

It is planned that the Skraps wallet will be integrated with three different stock exchanges (Kraken, Poloniex, cex.io) through the API, which will provide the optimal course for buying crypto currency for fiat money. In addition, the Skraps wallet will also be integrated with Shapeshift, which will allow you to convert from one crypto currency into another in real time.

At the moment, the final round of fund-raising is held through the ICO, which the project team decided to extend until March 18, 2018. The price of the SKRP token is $ 0.45. USA. It is noteworthy that in just 10 hours of token sales, the project was able to collect the minimum required capital (soft cap) for the project. In addition, the project announced the release of a demo version of its product in the near future, therefore there are great chances that the project will be implemented in accordance with the stated plan:

More detailed information about the project can be found on the Skrapswebsite and in the white paper of the project , which is also available in Russian .

DIGITIZE - turns change and trifle into crypto-currencies

Digitize is another project that our team met this month. Digitize is directly aimed at the end user by providing a service that saves digitizing, in fact a digital bank-piggy bank using crypto-currencies. The project team is convinced that by eliminating the inconveniences associated with the turnover of trivialities and delivery, the project will not only be able to improve the financial state of users, but also have a positive impact on the development of the whole country's crypto currency, and also contribute to the global process of transition from cash to non-cash settlements. The project plans to concentrate efforts in the market of South-East Asia, where cash transactions dominate.

Unlike the projects discussed above, Digitize concentrates on creating an ecosystem in which interaction between consumers and retailers will be carried out. Below is the scheme of interaction:

Advantages for consumers

Elimination of the inconvenience associated with the accumulation of small money.
Electronic purse for storing and accumulating small money.
Rewards of sellers on the loyalty program and instant payment.
A simple and effective process of buying and exchanging crypto currency

Advantages for Retailers

Eliminates the need to store and use small money.
The provided service can increase consumer demand.
Provides remuneration for the loyalty program with an instant payment solution.
The retailer receives a percentage of the transaction amount when the money is transferred to digital currencies.

Thus, Digitize allows consumers to convert their money into DTZ tokens, which can then be used as a payment tool, exchanged for etherium, used for investment in the crypto-index (C20), or in loyalty programs of retailers.

The pre-sales phase starts on March 11, 2018 and will continue until March 24, 2018. The price of the DTZ token is 0.0002 ETH, with a minimum purchase of 0.1 ETH. During the preliminary sales, a bonus of 25% will be provided. The main sales will begin on 04/22/2018. More detailed information about the project can be found on the website Digitize and in the white book of the project .

This article is the result of a series of localization projects carried out by the ICO-Translate.com team for start-ups that attract financing through the ICO. The original article is published in the blog of ICO-Translate.com .

maikel30

Sabtu, 21 April 2018

Digitize Coin

SAVEDROID: micro savings in crypto currency is easy.

Skraps - invest change in crypto currency

DIGITIZE - turns change and trifle into crypto-currencies

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