The Fintech of the

White Paper

Created 6

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The Fintech of the Blockchain Era

White Paper (Version 1.2)

Created 6th April 2018 by Tambo Ng’ambi (CEO)

Blockchain Era

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Table of Contents Statement from CEO …………………………………………………………………………………………………………………4 What we are offering to ICO participants…………………………………………………………………………………..5 Why customers will use kryptoboy.com…………………………………………………………………………………….6 Introducing kryptoboy.com……………………………………………………………………………………………………….7 Core values……………………………………………………………………………………………………………………………....7 Departments…………………………………………………………………………………………………………………………....8 Financial Inclusion…………………………………………………………………………………………………………………….8 Global Access to Mobile Phone & Internet………………………………………………………………………………10 Global payments using the Internet…………………………………………………………………………………………10 Use of Debit Cards……………………………………………………………………………………………………………………11 Kryptoboy.com’s Solution………………………………………………………………………………………………………..12 Crypto Currency Exchange and Debit Cards……………………………………………………………………………..13 ATM Machines…………………………………………………………………………………………………………………………13 Crypto Collateral based lending……………………………………………………………………………………………….13 Asset Tokenization & Trading…………………………………………………………………………………………………..15 Software Development…………………………………………………………………………………………………………….16 Our Business operations and Licenses……………………………………………………………………………………..17 Initial Coin Offering (ICO)…………………………………………………………………………………………………………17 Why ICO?....................................................................................................................................17 Token Sale Period……………………………………………………………………………………………………………………18 Exchange Rate…………………………………………………………………………………………………………………………18 Use of funds raised………………………………………………………………………………………………………………….18 Pre ICO…………………………………………………………………………………………………………………………………….18 ICO Sale…………………………………………………………………………………………………………………………………..19 Secondary ICO Sale…................................................................................................................ ..19 KBC Token Distribution…………………………………………………………………………………………………………….20 Implementation Plan……………………………………………………………………………………………………………….21 Kryptoboy.com’s Development Plan………………………………………………………………………………………..22 Roadmap…………………………………………………………………………………………………………………………………22 Disclaimer……………………………………………………………………………………………………………………………….24 The Team………………………………………………………………………………………………………………………………..24 Our Advisors……………………………………………………………………………………………………………………………27 Our Heros………………………………………………………………………………………………………………………………..28 References………………………………………………………………………………………………………………………………30 Social Media Links..…………………………………………………………………………………………………………………30

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LIST OF FIGURES 1. Departments of Kryptoboy.com ..................................................................................... 8 2. Global access to mobile phone and internet in the year 2015 ................................... ...9 3. Payments processed through the internet around the globe in 2015 ......................... 10 4. Payments made using debit card report from the World Bank in 2015……………………..11 5. SMEs with collateral based loans.................................................................................. 14 6. SMEs with an outstanding loan or lone of credit ………………………………………………………15 7. Implementation plan ................................................................................................... .21 8. Road Map .................................................................................................................... ..22 List of Tables 1. Differences between a Traditional Bank and a Blockchain Bank ……………………………..12

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Statement from the CEO

I have never seen so much innovation take place within a very short period of time in my life. The Cryptosphere is evolving and fast. Just a few years ago the world of crypto currency was primarily known as a fringe hobby for the tech geeks and anarcho-capitalists. Bitcoin was nothing more than ‘magic internet money’ and blockchain was , I don’t know, maybe a car part? Without a doubt the crypto economy has now been born. We are living in constant change - there is no pause button. While there is a misconception that cryptocurrencies are bad for governments and countries, I believe the opposite is true. Blockchain technologies and cryptocurrencies will be mainstream. It’s inevitable. Just a matter of time. Early individual adopters have already become billionaires, as evident from the latest issue of Forbes. Binance, a crypto currency exchange Fintech, based in Hong Kong, at 8 months in existence reported about $200 Million US Dollars as their first quarter, 2018 profits beating the German based Deutsche Bank who has been in business for 148 years but reported about $140 Million US Dollars for the same period. The same applies to governments. Early adopters will become new financial leaders of tomorrow. The opportunity is right in front of us, now! In the next 10 years we will be wondering how we managed to live with such primitive existing financial technologies that Traditional Banks are offering us at the moment. Over 33% of credit card payments from Africa to the western world are fraudulent, making western online vendors to refuse to trade with Africans online. Crypto currencies are far more reliable for payments in global trading making all disadvantaged Nations to have Global financial inclusion. Kryptoboy.com will be the first crypto currency Fintech Bank in the nearest future originating from the continent of Africa and the first crypto currency exchange in the Country of Zambia. We have entered a new dawn era and any business or even Nations that will not respond positively to the changes that are now taking place, will be left behind technologically and economically. Kryptoboy.com is registered in Zambia as Kryptoboy Enterprises, Business Registration No. 320180005791, type of business: Other Information Service activities, Other Financial Service activities, except Insurance and Pension funding. Kryptoboy.com is here to make its contribution to a better humanity and a better world for all. We are here to make history, to bring the unbanked population into global financial inclusion, to help businesses around the globe to enter the crypto and tokenization economies and to contribute to the development of the Blockchain Era. Please do not hesitate to talk to me on email: ceo@kryptoboy.com or voice or whatsapp directly on phone number +260 954 601896 or via our telegram group link: https://t.me/joinchat/IptN0xJggUGOThNHQmE_EQ I eagerly look forward to your support. Tambo Ng’ambi (Chief Executive Officer)

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What we are offering to ICO participants

Each month Kryptoboy.com will distribute 20% of gross profit generated by the platform to all token holders as loyalty reward in ethereum for holding the token. Kryptoboy.com (KBC) token will also be used in a variety of ways within the platform, as well as traded on third party exchanges. It will be possible to pay platform fees, use the tokens as collateral to take out a loan on the platform as well as get leverage in order to buy and sell cryptocurrency. Tokens spent on the platform as fees will be burned, thus increasing the value of the remaining tokens, Kryptoboy.com token will be a utility token. In summary, any holder of the tokens will be able to do the following:

Sell them at a higher price depending on that moments exchange rate Use them as collateral to take out a loan on the Kryptoboy.com platform Pay for Kryptoboy.com’s services All token holders will be entitled to a share of the 20% profit of the platform as a loyalty

reward in ethereum on a monthly basis.

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Why Customers will use Kryptoboy.com? We will focus on giving the best customer service to all users of our highly secure platform 24/7. We will give video tutorials and phone support to customers who are still learning the ropes. Our customers will be our Kings & Queens. We will focus on bringing the unbanked population into global financial inclusion. We will help businesses around the globe to enter the crypto and tokenization economies Customers will reap loyalty rewards from buying and holding our KBC token. Customers will have the opportunity of owning a Debit Card from us to help them spend their crypto currencies anywhere in the world. We will study our customers spending habits and offer them loans accordingly. We will have a Merchant interface to help other businesses accept crypto currencies as payment We will have more Local currencies trading pairs than what current crypto currency exchanges are offering

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Introducing Kryptoboy.com Kryptoboy.com was founded by Tambo Ng’ambi, an MBA candidate studying at Swiss Management Center (SMC) University, Switzerland.

The mission of Kryptoboy.com is to bring global financial inclusion to the unbanked population of this world, to facilitate cheaper cross border payments and also to make crypto

currencies easy to acquire and easy to spend by law abiding citizens of this earth. Our vision is to become the global market leader in blockchain based financial services.

Core Values The following are our core values:

Clarity in Communication – We will share information in an efficient manner in order to improve team collaboration and productivity.

Energy Positivity – We have a lot of future optimism and determination to forge ahead. Learning Continuity – To us learning continuity is a golden opportunity in order for us to make a

way where there is no way. Executing work perfectly – We will execute our work with the use of more brain power than

manual time taking and pain staking methods. Our priority is to become one of the most trusted blockchain based financial institutions on earth. We will aim at working with world class security standards, compliance, cutting edge technology, efficient customer support etc.

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Departments Kryptoboy.com will operate as 5 departments, namely; Crypto Currency Exchange, Card Payments, ATM Machines, Crypto Collateral based lending and Asset Tokenization and Trading.

Figure 1. Departments of Kryptoboy.com

Financial Inclusion Around 2 Billion people don’t use formal financial services and more than 50% of adults in the poorest households are unbanked (The World Bank, 2017). Financial inclusion is the key enabler to reducing poverty and boosting prosperity. WBG President Kim has called for universal financial access (UFA) by 2020. Financial inclusion means that individuals and businesses have access to useful and affordable financial products and services that meet their needs – transactions, payments, savings, credit and insurance – delivered in a responsible and sustainable way (The World Bank, 2017). Access to a transaction account is a first step toward broader financial inclusion since it allows people to store money, and send and receive payment. A transaction account can also serve as a gateway to other financial services, which is why ensuring that people worldwide can have access to a transaction account is the focus of the World Bank group’s Universal Financial Access 2020 initiative (The World Bank, 2017).

Kryptoboy.com Departments

Crypto Currency Exchange ATMs Card Payments Crypto Collateral based Lending Assert Tokenisation & Trading

Each Department will have a Departmental Head when we reach full operation

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The map below (Figure 2) shows that access to mobile phone or internet at home has improved in most countries but this improvement has not resulted in a direct proportional improvement in global financial inclusion on the same population.

Figure 2. Global access to mobile phone and internet in the year 2015

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Global Access to Mobile Phone & Internet According to the World Bank research done in 2015, most of the planet now has mobile phone & internet access. Third world countries like Zambia now boast of having between 77 to 90% National coverage while most developed countries have almost 100% coverage. The lowest covered areas have at least almost 25 to 77% and these countries are mainly in Africa as shown in figure 2.

Global payments using the Internet Despite the mass adoption of mobile phone and internet across the globe, there has not been a proportional increase in payments using the internet. In order to make everyone on earth to have global financial inclusion, it’s imperative that the internet needs to be the main payment platform for goods and services. Third world countries like Zambia only processed between 1 to 4% of total transactions countrywide through the internet in the year 2015, meaning that the majority of the third world countries are still very globally financially excluded (The World Bank, 2017). Worse still the majority of Africa and parts of Asia including India only processed less than 1 ½ % of their countrywide transactions through the internet in the year 2015.

Figure 3. Payments processed through the internet around the globe in 2015

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Use of Debit Cards Debit Card adoption has been very slow in not only less developed countries but also in advanced countries. In 2015 World Bank statistics shows that the majority of earth has only up to about 55% or less debit card usage of their total transactions. Most under developed countries are still very globally financially excluded. Figure 4 shows the payment using debit card report from the World Bank in 2015.

Figure 4. Payments made using debit card report from the World Bank in 2015

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Kryptoboy.com’s Solution Brick and Motor financial institutions do not have any meaningful solution to make everyone here on earth to be globally financially included at the present moment. The only way out is through the emergence of blockchain based Fintechs such as Kryptoboy.com, who are ready to take advantage of new technologies especially crypto currencies and the blockchain to make and process payments locally and internationally. The following table provides a few examples of the advantages of the new blockchain bank compared to any leading traditional bank. Table 1 Differences between a Traditional Bank and a Blockchain Bank Leading Traditional Bank Blockchain Bank Countries of Operation Limited by Capital and Regulation Unlimited, there are no Country boundaries Number of Clients Limited by Systems, Countries of Operation etc. Only technical limitations Scalability Slow and Expensive Fast and Relatively Cheap International Transfers Restricted, slow and expensive Unrestricted, fast and free Transfer Values Restricted Determined by the Individual Cost of Transaction Higher Ultra low if the right crypto currency is used Speed of Transaction Several Days Minutes, almost immediate Withdrawal of funds Takes Several Days especially if the amount is large Minutes Control Centralized Decentralized Control of Funds The Bank The Client Security Trust to the Bank Open Source independently verified Ledger Integration of New services and Partners Difficult and Slow Easy and Fast It is Kryptoboy.com’s belief that no single blockchain Fintech will dominate the new cryptocurrency banking sector, but rather that a network of new innovative players will drive the market forward. Kryptoboy.com’s mission is to bring global financial inclusion to the unbanked population especially of third world Nations and to help make crypto currencies easy to acquire and easy to spend both in 3rd world Countries and in Developed Countries. We believe that the global mass mobile phone and

internet adoption must be made proportional to the internet based payments usage for this world to be 100% globally financially included.

Crypto currency exchange and Debit Cards We intend to have Bitcoin, Ethereum, US Dollar trading pairs to start with. Then later we will have the Japanese Yen, British Pounds, Euro, Our goal is to trade all popular crypto currenciescards. Therefore, we will also provide our clients with software to run on their various platforms to help them spend their crypto currency.

We will partner with a major card provider to help us make our customers own their own debit cards either virtual or physical or both, to spend their crypto currencies anywhere

In order to make crypto currencies more accesspartner with a major European Bitcoin ATM manufacturer and deploy ATM machines in various locations in different Countries. This will also help us in speeding up cross border payments for these people who do not want to buy crypto currency from an online exchange. We intend to form strategic relations with major super markets and deploy these ATMs in tshoppers.

Crypto Collateral based lending World Bank statistics shows us that collateral based loans are still very common in underdeveloped countries and emerging economies (The World Bank, 2017). This has somehow made borrowing to be very risky and most small and medium enterprises simply choose not to borrow at all.the SMEs with collateral based loans around the world and Figure 6 shows the SMEs with an outstanding loan or lone of credit around the world (The World Bank, 2017).

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internet adoption must be made proportional to the internet based payments usage for this world to be

Crypto currency exchange and Debit Cards We intend to have Bitcoin, Ethereum, US Dollar trading pairs to start with. Then later we will have the

British Pounds, Euro, Zambian Kwacha, South African Rand and more trading pairs.Our goal is to trade all popular crypto currencies and also to make them spendable thorough debit

cards. Therefore, we will also provide our clients with software to run on their various platforms to help

We will partner with a major card provider to help us make our customers own their own debit cards

to spend their crypto currencies anywhere on earth. ATM Machines

In order to make crypto currencies more accessible to our customers, we intend to purchase and partner with a major European Bitcoin ATM manufacturer and deploy ATM machines in various locations in different Countries. This will also help us in speeding up cross border payments for these

not want to buy crypto currency from an online exchange. We intend to form strategic relations with major super markets and deploy these ATMs in their premises for easy access for

Crypto Collateral based lending us that collateral based loans are still very common in underdeveloped

countries and emerging economies (The World Bank, 2017). This has somehow made borrowing to be very risky and most small and medium enterprises simply choose not to borrow at all. Figurthe SMEs with collateral based loans around the world and Figure 6 shows the SMEs with an outstanding

of credit around the world (The World Bank, 2017).

internet adoption must be made proportional to the internet based payments usage for this world to be

We intend to have Bitcoin, Ethereum, US Dollar trading pairs to start with. Then later we will have the Zambian Kwacha, South African Rand and more trading pairs.

and also to make them spendable thorough debit cards. Therefore, we will also provide our clients with software to run on their various platforms to help

We will partner with a major card provider to help us make our customers own their own debit cards

ible to our customers, we intend to purchase and partner with a major European Bitcoin ATM manufacturer and deploy ATM machines in various locations in different Countries. This will also help us in speeding up cross border payments for these

not want to buy crypto currency from an online exchange. We intend to form strategic heir premises for easy access for

us that collateral based loans are still very common in underdeveloped countries and emerging economies (The World Bank, 2017). This has somehow made borrowing to be

Figure 5 shows the SMEs with collateral based loans around the world and Figure 6 shows the SMEs with an outstanding

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Figure 5. SMEs with collateral based loans

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Figure 6. SMEs with an outstanding loan or lone of credit Clearly we can see that there is very little SME borrowing taking place in Countries like Zambia, Zimbabwe and most of Asia and Eastern Europe. Crypto collateral based borrowing will enable clients to use their crypto currency as collateral to access loans from Kryptoboy.com without any problem. Kryptoboy.com will simply carry out the necessary Anti Money Laundering (AML) and Know Your Customer (KYC) procedures and service that customer immediately.

Asset Tokenization & Trading As the world embraces the crypto economy, there will be a boom in businesses that would want to own their own crypto tokens for various reasons. Kryptoboy.com is here to develop crypto tokens as loyalty tokens or as crypto currencies on various blockchains depending on which one suites, for any company that needs that service. We see a future where some businesses may want to sell crypto tokens to the general public to help them fund their expansion or to settle a Bank loan , or for any other reason. Members of the general

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public may also want to own a piece of other people’s property or businesses of their interest without gaining equity control even if their contribution amounts to more than 51% of that company’s shares.. Kryptoboy.com is geared and ready to offer these services in all countries were the regulatory laws allow. ICO Promoting – Kryptoboy.com will act as an ICO promoter using its web services to list future and current selling ICOs from anywhere on earth, collect investor contributions on their behalf and provide an escrow service for them. We will write their white paper, develop the token and promote them in every way that we can globally online. We want to be the one stop ICO solution platform.

Software Development We have our own software development capability and we are also going to outsource 2 companies that we are building relations with, to help us build a secure crypto currency exchange linked to a wallet operating system. Our goal is to offer our customers an integrated mobile wallet and debit card solution, a 2 in one, to make it very convenient for our clients to spend their crypto currency. In other words an instant debit card gets inserted into the mobile wallet removing the need for a physical debit card. We will however also give physical Cards to our customers. We intend to track our customers spending habits and offer them loans before they ask us for one.

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Our Business Operations and Licenses Kryptoboy.com is a Zambian registered business, however our holding company will be registered in Hong Kong to help us fulfill our Internationalization strategy from a more experienced market. We will apply for the necessary licenses to operate a subsidiary in Zambia, Japan, South Korea, Malta, United Kingdom, United States, Zimbabwe and South Africa to begin with, to help us increase our liquidity and establish our business, then we will further open up subsidiaries across Africa, Asia and South America were most unbanked people reside. Our operations center will be in Zambia because of cheap labour and being our Country of origin. Being a Global Business by nature (Born Global), we intend to make our services available to the entire Globe, especially poor Countries. Abiding to all rules and regulations in each Country we operate in as well as all Anti Money Laundering (AML) and Know Your Customer (KYC) procedures will be of highest priority as we conduct business. Particularly in Japan, we have been following the Japanese Financial Services Agency (FSA) methodologies in improving the crypto currency market in Japan because about 50% of the global crypto currency trade is done there. This means Japan is now the leader in crypto currency business and crypto currency exchanges and businesses operating there will end up as the safest and most trusted on earth. Our Japanese subsidiary will be the benchmark of how all our other subsidiaries will be operating, making the Japanese investment to be the most important investment that we will have to make.

Initial Coin Offering (ICO) During the initial coin offering (ICO), Kryptoboy.com will issue virtual currency tokens called Kryptoboy.com (KBC) on the blockchain operated by a smart contract from 15th May, 2018 as an ICO pre-sale.

Why ICO? There are many arguments why we have chosen to do an initial coin offering instead of alternative ways of raising funds. First, an initial coin offering not only allows us to onboard participants from different parts of the world but also to incentivize them via loyalty rewards for holding our token. Second, tokens provide liquidity since they can be traded in various exchanges that will accept it on their platform after the ICO. Participants can liquidate their position like holding shares in a public listed company. Finally, tokens smart contract enables easy distribution of loyalty rewards which would be hard to process without usage of blockchain technology.

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The Kryptoboy.com token is based on the decentralized Ethereum market standard smart contract ERC 20 token. Kryptoboy.com tokens (KBC) are valid indefinitely and are property of their respective holders. The Kryptoboy.com token will be received as pre-payment for service fees on our platform. Purchase of tokens from the token sale will be done from our website http://www.kryptoboy.com using Ethereum cryptocurrency only because we will use the same address that you send the funds from to send you back the Kryptoboy.com (KBC) token. A hardcap of 625,000 ETH or USD 250,000,000.00 will be placed and the sale would be closed. 1,000,000,000.00 KBC tokens will be sold out of 2,000,000,000.00 which will be created.

Token Sale Period The period of token sale will be 1 month for each phase. The first phase will be a Pre-ICO, then the second stage will be the Main ICO, lastly there will be a Secondary ICO.

Excahange Rate We will be selling our Kryptoboy.com (KBC) coin at 400 KBC to 1 ETH. We will only accept Ethereum because we will use your sending address to send you your KBC tokens. Therefore you are required to shapeshift your other crypto currencies into Ethereum before you send them to us. For those who are not clear google shapeshift.io

Use of funds raised After the ICO, we will employ more people as well as create new teams to fulfill our mission. We have come up with areas where our funds will be spent, namely 5% Cyber Security & Bug Bounties, 10% Software Development, 15% Business Operations and Advisors, 60% Loans Liquidity, 10% Licenses, Partnerships, and Internationalization into key jurisdictions. Total Tokens created : KBC 2,000,000,000.00 Total Token Sale Volume : KBC 1,000,000,000.00 Exchange rate at the time of writing this White Paper : 1 ETH = USD 400

PRE-ICO

Token Sale Volume during pre-ico : KBC 250,000,000 Pre-ICO Price per token (USD) : $ 0.15 Pre-ICO Price per token (Ethereum) : ETH 0.000375

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1 ETH : 2,667 Presale Discount : 54% Hard Cap (USD) : $ 37,500,000.00 Hard Cap (ETH) : ETH 93,750 Soft Cap (USD) : $10,000.00 Soft Cap (ETH) : ETH 25 Pre-ICO Period : 15th May 2018 – 14th June 2018

ICO SALE

Token Sale Volume during pre-ico : KBC 400,000,000 ICO Sale Price per token(USD) : $ 0.25 ICO Sale Price per token (Ethereum) : ETH 0.000625 1 ETH : 1,600 Sale Discount : 24% Hard Cap (USD) : $ 100,000,000.00 Hard Cap (ETH) : ETH 250,000 Soft Cap (USD) : No Soft Cap Soft Cap (ETH) : No Soft Cap ICO Sale Period : 1st July 2018 – 30th July 2018

SECONDARY ICO SALE Token Sale Volume during pre-ico : KBC 350,000,000 Secondary-ICO Price per token(USD) : $ 0.33 Secondary-ICO Price per token (Ethereum) : ETH 0.000825 Sale Discount : 0%

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1 ETH : 1,212 Hard Cap (USD) : $ 115,500,000.00 Hard Cap (ETH) : ETH 288,750 Soft Cap (USD) : No Soft Cap Soft Cap (ETH) : No Soft Cap Secondary-ICO Period : 15th August 2018 – 14th September 2018

KBC Token Distribution Coins Offered through ICO – 50% These funds will be used to develop the Kryptoboy.com platform in the next 4 years because by the expiry of that time this company would have reached its best profitability levels. Community, R & D & Bounties – 10% To give as incentive to the community, branding, academic research, bug bounties etc over the next 4 years . Early Investors, Current & Future Advisors, Partnerships – 5% This will be allocated to our current and future advisors and early investors. Founders, team & future employee motivation packages – 10% These coins will be given as motivation to our employees and founders to help them to continue innovating and working smarter. Sustainability reserve funds – 25% These funds will be reserved for emergency to help Kryptoboy.com achieve market stability.

Figure 7. Implementation plan All remaining tokens will be sold in the 4and afterwards whatever remains will be shared among all ICO participants and the organization in the same proportion as described in the token distribution. All token holders will be given loyalty rewards from a percentage of profits motivation for holding the KBC token on a monthly basis.

$10,000 Raised• Exchange goes live with basic features• Without ERC 20 Tokens

$400,000 Raised• Exchange goes live with advanced features• Some ERC 20 tokens including CBS token included

$1 Million Raised• ATM Machines Purchasing Starts, EApplications begin

$10 Milion Raised•Banking License Application begins•African Countries targeted first

$20 Million Raised•Lending platform opens•Asian Countries Banking license application starts

$100 Million and above

•Banking Lisense application in advanced Countries begins•Japan, United States, European Union targeted

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Implementaion Plan

remaining tokens will be sold in the 4th round ( 2nd round Secondary ICO Sale) should that ocand afterwards whatever remains will be shared among all ICO participants and the organization in the same proportion as described in the token distribution.

All token holders will be given loyalty rewards from a percentage of profits Kryptoboy.cotoken on a monthly basis.

Exchange goes live with basic featuresWithout ERC 20 Tokens

Exchange goes live with advanced featuresSome ERC 20 tokens including CBS token included

ATM Machines Purchasing Starts, E-Money License Applications begin

Banking License Application beginsAfrican Countries targeted first

Lending platform opensAsian Countries Banking license application starts

Banking Lisense application in advanced Countries Japan, United States, European Union targeted

round Secondary ICO Sale) should that occur and afterwards whatever remains will be shared among all ICO participants and the organization in the

Kryptoboy.com makes as

Some ERC 20 tokens including CBS token included

Money License

Asian Countries Banking license application starts

Banking Lisense application in advanced Countries Japan, United States, European Union targeted

Kryptoboy.com KBC token is neither a security token nor an equity share, therefore no controlling interest will be available nor say in the running affairs of the company to all token holders.

Kryptoboy.com Investors funds raised during the ICO willlicense in Zambia, Hong Kong in and Japan first, in accordance with the requirements and laws on payment institutions, E-money and Eactivities and conduct inspections on us. We will then open a Bank Account with and International Bank, in order to ensure reliable security of our funds. The following roadmap summarizes our future activities and targets.

15th May, 2018• Pre-ICO begins

14th June, 2018• Pre-ICO ends

15th July, 2018• Completion of Crypto Currency Exchange Phase 1, Exchange goes live• Company registration in 3 key jurisdictions complete as long as enough funds are raised, International Bank account obtained.

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token is neither a security token nor an equity share, therefore no controlling interest will be available nor say in the running affairs of the company to all token holders.

Kryptoboy.com’s Development Plan Investors funds raised during the ICO will be used to obtain a payment finance FINTECH institution

license in Zambia, Hong Kong in and Japan first, in accordance with the requirements and laws on money and E-Banking institutions. The relevant authorities will supervise our

activities and conduct inspections on us. We will then open a Bank Account with and International Bank, in order to ensure reliable security of

The following roadmap summarizes our future activities and targets. Road Map

Completion of Crypto Currency Exchange Phase 1, Exchange goes liveCompany registration in 3 key jurisdictions complete as long as enough funds are raised, International Bank account obtained.

token is neither a security token nor an equity share, therefore no controlling interest will be available nor say in the running affairs of the company to all token holders.

be used to obtain a payment finance FINTECH institution license in Zambia, Hong Kong in and Japan first, in accordance with the requirements and laws on

Banking institutions. The relevant authorities will supervise our

We will then open a Bank Account with and International Bank, in order to ensure reliable security of

Completion of Crypto Currency Exchange Phase 1, Exchange goes liveCompany registration in 3 key jurisdictions complete as long as enough

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Figure 8. Road map

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Disclaimer We will not be responsible for any crypto token buying restrictions in your Country, therefore you are advised to check your Country’s laws and regulations and whether or not you are allowed to buy before you purchase the Kryptoboy.com KBC token. Tokens are regarded as securities under US law, and companies that offer securities must be registered with various agencies such as the Securities and Exchange Commission and Texas State Securities Board, therefore citizens of the U.S.A, Hong Kong and Zambia are advised not to participate in this ICO. Be reminded that investing in the tokens of a startup carries significant risk, and inherent risks of crypto currencies like increased national and international regulation; the high volatility in pricing; or the prospect of hackers penetrating security systems and disrupting an investment program. As professionals we will take absolute caution and plan carefully to minimize any risks that may disrupt out opportunity to succeed in this business.

The Team

Tambo Ng’ambi (Chief Executive Officer) Email: ceo@kryptoboy.com Linkedin: https://www.linkedin.com/in/tambo-ng-ambi-6abb5197 Twitter: https://twitter.com/willkommenmusik Facebook: https://web.facebook.com/tambongambi/?_rdc=1&_rdr Tambo Ng’ambi is the founder of Kryptoboy.com, he is currently just completing his Masters Degree in Business Administration (MBA) from Swiss Management Center University, Switzerland. He holds a bachelors Degree in I.T Security, and a Certificate in Digital Currencies at Post Graduate level, from University of Nicosia, Cyprus. He has been educating the public on the benefits of Crypto Currencies and Cyber Security on a local Nationwide Television Channel (Prime Television) and he has a very strong interest in Fintechs and the blockchain. Having studied Finance as part of the MBA program Tambo Ng’ambi has put together a leadership team to function as Kryptoboy.com’s leadership to participate in the Blockchain revolution.

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Chambala Fabian Chanda (Chief Operations Officer) Email: coo@kryptoboy.com Chambala Fabian Chanda holds a Masters Degree in Business administration, Finance, from the University of Leeds, United Kingdom. He is a former employee of JP Morgan Investment Bank U.K and Morly Fund Management Investment Bank. His excellent Banking experience made him become very interested in the benefits that Crypto Currencies and the Blockchain brings and especially to the unbanked population of this earth.

Mangaliso Anthony Lungu (Finance Officer) Email: finance@kryptoboy.com With over 10 years of experience in managing Investor funds for None Governmental Organisations, he also has a strong interest in Blockchain technologies and crypto currencies. He is a BBA Candidate, Copperbelt University, Kitwe, Zambia and a CIMA Candidate, Chartered Institute of Management Accountants, U.K

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Public and Governments Relations Manager Email: public@kryptoboy.com Wells Chifunda is a Journalism and Public Relations professional trained at Evelyn Hone College of Applied Arts and Commerce in Lusaka, Zambia. He has a very strong interest in Crypto Currencies and Blockchain Technologies and he also has a lot of experience in the Media industry including Television and Print Media. Wells loves interacting with governments and the general public.

Administrative Assistant Email: aa@kryptoboy.com He holds a Diploma in Social Work from the National Institute for Public Administrators, Lusaka, Zambia and he has experience working in the Media. He has a strong interest in crypto currencies and cyber security.

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Our Advisors

Mr Newton Lungu Mr Newton Lungu is Managing Partner of Newton Lungu and Associates in Lusaka, Zambia. He is a Fellow of the Institute of Chartered Management Accountants (U.K) and an Associate of the Institute of Chartered Secretaries and Administrators. He was trained at Mid-Essex Technical College, England, for the Chartered Institute of Secretaries and Administrators. He is the first Zambian Fellow of the Institute of Chartered Management Accountants. He was also trained at the London School of Accountancy, UK. He has held various senior accounting positions in a number of organizations and he is a very experienced and certified Auditor of Company Accounts.

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Our Heros

Mr Vitalik Butarin Mr Vitalik Butarin is the creator of the Ethereum Blockchain. We pledge to make regular Donations from our Company profits after tax to any Foundation either setup or supported by him. Our KBC Token was created on the Ethereum Bloackchain, without him this ICO would not have taken place. May God continue blessing him.

Mr Andreas M. Antonopoulos Mr Andreas M. Antonopoulos has given his whole life to teaching planet earth crypto currencies and the blockchain, and we hereby testify that we have benefited a lot from his lessons and without him we were going to be nothing but empty vessels. We even passed University Exams and earned certificates in Crypto Currencies because of him. We pledge to make regular Donations from our Company profits after tax to any Foundation either setup or supported by him. May God continue blessing him.

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Mr Roger Ver Mr Roger Ver is popularly known as the Bitcoin Jesus? We first learned about him from a Documentary on youtube where Mr Ver was actually crying that poor people are oppressed by selfish decision makers who run the System of money that their poor governments can’t control and that Bitcoin takes that power away from them, bringing hope to them to live better for the very first time ever. That was very touching to us and it marked the beginning of us finding out more about what Bitcoin was. We have been so inspired by everything that Mr Roger Ver says, we pledge to make regular Donations from our Company profits after tax to any Foundation either setup or supported by him. May God continue blessing him.

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References The World Bank, 2017. Financial Inclusion. The World Bank. Retrieved April 6, 2018 from http://www.worldbank.org/en/topic/financialinclusion/overview

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