ICN achievable goal is to be the pioneering and premier cross border trade crypto currency, that enabled international commerce intra- Africa & Between Africa and its trading partners. Critical to this goal is to roll out a Crypto Bank or Financial network on the rails of the worlds largest offline and online Blockchain economic ecosystem network.The Bank or Financial network will be interlinked and Interoperable with Banks, Mobile money wallets, crypto currencies, payment service providers, mer-chant agency payouts, postal corporations aided by proprietary mobile point of sales and partner terminals. ICN has began the process of elimination of paper cash as the paramount means of trade via our comet mobile wallet that is a hybrid crypto and multi currency Fiat wallet, that will be the catalyst for financial inclusion and access to business credit. The ICN API ensures secure end to end straight through processing as well as a dynamic exchange platform and intelligent algorithm credit scoring mechanism. The API has access to 180 million wallets and available in 117 countries

One Continent, One Trade Currency.

Our Solutions

Secondary target market

Primary target market is the informal and SME cross-border traders who

collectively account for over 70% of Africa’s international trade valued at

USD 1 trillion annually, supports 44% of Africa’s 1.2 billion population.

The 66% unbanked populationSlashing by 90% the 600 billion

international remittance market 40 Billion to Africa, by digitizing transfer

primarily promoting mobile to Mobile and crypto to mobile transfers

66% Unbanked Population

Cross Border Limitations

Secondary Target Market

Slashing the costs Of

International

remittan~; 90% Leveraging on our Network of

Mobile Wallets, Card Payments and Merchant Agent Network

Challenges of Cross-border Trade and Financial Inclusion

Localized Silo Markets

Weak supply chain and supporting infrastructure, high spoilage of

commodities before reaching urban and international markets.

Too many colonial era borders created more for administrative rather than mass market economies.

• Different standardization of commodities too inefficient for sustainable export markets

• Week liquidity.

Expensive, limited Formal Banking Sector .

• Several Weak and Inconvertible Currencies

Exposed to political instability - creating volatility, depreciation etc. as Africa is

primarily import oriented, depreciation leads to inflammatory pressure.

Cost of sending and receiving money is the

highest in the world reducing purchasing power

Building a border free Crypto bank with a crypto currency to enhance inclusive international trade and secure crypto economy .

- -ll -Hybrid Mobile MPOS

wallet and card and payments

Store value and Mobile Crypto to FIAT banking exchange

Interoperability with mobile Online & Offline money banking and third Payments party payment networks.

Virtual + Physical Funds transfer Prepaid Cards

NFC Payments Open & Closed Loop

QR Payments Platform

Biometric Payments Agent Banking

Short Code Pay Bill M-Commerce Platform Numbers

Stored Value Merchant payments

Mobile Banking acquisition

Funds Transfer Interoperability with Mobile Money Wallet

NFC Payments andAPPS

Multi-Currency

Crypto Money

Financial lnclusivity

• M ··• . -~

ICN Block Chain functions

Crypto and FIAT loans

Money Transfer Platform

Global Correspondent Network

Trade Finance

Trading Platform

Digital Currency Platform

Integrated to Digital I FIAT Exchanges

Chat Bot Platform

Prepaid Card Platform

Pay Bill Platform

Smart contracts

Ledgers

• . .

Core Engine

Highly Secured and Audited Platform

Integrated Analytics Tools

Location Based Notifications

Customized Reporting Engine

Global Merchant Aggregators

Supports all OS

Token Distribution

Token Exchange

Compliance

Core Engine

Highly Compliant Remittance Platform

OFAC, UN&EU Check

Risk Monitoring Platform

End-to-End Customer Support

Management

Digital and Biometric Identification

ICN will be the fuel driving the largest offline and online blockchain platform which at its core will be an interoperable network of 3rd party mobile wallets and mPOS terminals.ICN will circulate within our ecosystem at least eight times before exiting to create a high liquid real life crypto-economy, backed by commodity warehouse receipts, other Crypto/FIAT currencies as well as supply and demand market forces.

The ICN Digital Economy Snapshot

• Transport and Logistics

\I Insurance

Transport

1111 1111 1111 ••• 1111 ••• 1111 ••• ••• 1111 •••

SME Cross-trader and Products

Standards and Governement Customs Ports

• @

11'11 1 Ill': J l II

Banking Partner

The Cold storage and warehouse facilities will meet acceptable international safety & Hygienic standards. The warehouse receipts will offer pre-export finance, Invoice discounting and Political and Trade credit lnsuarance.

Similarly, will act as an escrow body for importers removing high cost barriers import bills.

ICN means freedom from our uncertainty to encourage growth that increases your earnings for a stable future.

Stable Inflation-free Currency Building

the World's Largest Online

and Offline Financial Block

Chain.

Access to Loans to enhance Liquidity and Growth

~ ---Trustless

Cross-border Trade a

Access to a wide array of Crypto and FIAT

Currencies

Acceptable by over

300,000 merchants in Africa

--@-

.I. .,_V' J._W J,,.

T Full Financial

lnclusivity

Warehouse Receipts-backed Currency

Sender Card Crypto Interoperable Wallets Mpesa / MTNs / COMET

MEDIAN POPUL ATION

Africa by S tatistics...

(Re fer to dia gram on the righthand column)

Results:

80

Annual Cross Border Intra-Africa

Trade

which is 7% of potential $ 1trillion

The trade value of countries in the OBOR trade route

Market Potential

MIDDLE CLASS UNBANKED

19yrs 300 million 66% 1.2 billion

Africa's Average age (World Bank)

and growing ...

AFRICA POPULATION

billion

............. • A primary target for ICN • ......... •• Bank, ICN crypto economy, '!!!!ii' financial inclusion and

Blockchain network

731 {en~ of.2016) i m1lhon •

Mobile phone SIM lm:I connections in Africa •

(World Bank)

516 million African's supported by informal Cross Border Trade (Sustainable Development Goals Fund - United Nations)

75% cross border transactions with Africa

Remittances

(World Bank)

$ 300 billion International Trade between China and Africa

incurred charges viewed as most

expensive in the world

10 of the % Global users 600 . . (p ~ 40 biiij~~tttance

b1lhon~ Global Remittance ~@ ,

(Africa Telecommunication Industry Report)

ICN Token Distribution ICN is a token issued within an advanced Blockchain, which we intend to develop around the stellar Blockchain to issue smart contracts and lower the cost of cross border transactions. There will be 300 million tokens, which translates to 300 million x $ 18 cents = $ 54 million.

if you add up the above: 90 million x $ 15 cents = $ 1 .35 million; 90 million x $ 18 cents = $ 1.62 million, which adds up to$ 2.97 million as the actual value that we are proposing. The ICO therefore proposes to raise$ 55.4 million, however the actual money being raised is approximately$ 30 million.

No further ICN will be generated after this phase of the project. All unsold Tokens will be burned. An audit will confirm that the unsold Tokens are no longer in circulation.

Distribution by %

Elsie is an industrious lady and a seasoned money remittance professional with over 14 year’s wealth of experience in BusinessDevelopment, Partner Relationship Management, Operations and General management of Remittance Businesses. She has great knowledge on Mobilepayments and Cross border remittances especially the African Markets.

Our Team

Elsie Njane CEO & CO-FOUNDER

Rogers Kebabe Head of Marketing

Rogers has a wealth of experience in sales, marketing, business development and strategy, incorporating the use of innovative ideas and synergies of the team. He has played crucial roles in key projects in design to completion including: launched the activities of Simba Pay and increased sales of continental money transfer both based in Kenya. He is currently working with strategic partners to launch COMET WALLET App in Kenya: a cross border multicurrency solution that centers on financial inclusivity and formation of a cashless borderless market.

Mr. Chan

John Mutuku COO & CO-FOUNDER

Michael Wakhahe DIRECTOR

John commands more than 20 Years' experience in Finance, Banking and Financial technologies. He is an astute Entrepreneur, pioneer of alternative methods for cross border payments in 2003 and International remittances termination to Mobile money wallet 2007. He established cross border mobile to mobile P2P Airtel DRC to Rwanda Jan 2014. He is passionate to realize the potential of Crypto currency, Blockchain, Mobile money, Multi-currency wallets & offline payments in creating a border free, corruption and Inflation Immune secure decentralized ecosystem.

Michael is an innovator by nature has an enormous wealth of experience in the ICT industry. He has been in this field for close to 1 O years now his passion for ICT has been his major drive. His acumen encompasses Technical industry areas including: mobile value-added services and mobile money programming in various languages. He holds a computer engineering degree from McGill University.

Eugene Chimita Head of IT

Eugene is a Lead programmer with an acumen in incorporating user and business requirements solutions which enhances scalability and durability. He has expert knowledge in commercial and open source software/ database engineering tools, design techniques, Case tool and security standards. He drives system architect decisions and lead projects from concept through the release process. Eugene is an innovator of the next generation solutions, systems and applications. He has worked on a number of Blockchain and non-Blockchain based solutions giving companies a competitive edge.

Kelvin Muli Systems Administration

A performance driven programmer with solutions that are secure, user/business friendly, flexible and reliable. He commands expert knowledge on different open source software's case tools and various security protocols required in different projects. Kelvin is competent in installing new/existing servers, configure hardware peripheral services, settings, directories and storage among others. He has worked on Airtel Africa Cross Border Switch, Sasa Leo Wallet, and lmpalaPay Cross border Payments Systems.

Joel Candy

Simon Mwania Head of Finance

Simon is the CEO of Cash swift and the Co- Founder of Impala Credit. He has a lot of experience in the Finance Industry. He heads the treasury and risk assessments departments for the company. His skills in book keeping, office administration and banking are remarkable. He has been in the industry for 8 years.

Mercy Maithya Digital Marketing

Mercy has extensive experience in leading online marketing and client relations. She is currently working at lmpalaPay and is the 1st contact in client enquiries and customer support. She handles social media marketing and customer relations for the company. Her focus is to fashion a global brand and ensure top notch services delivery.

Our Advisors

Mr. Chan has been a business owner and property investor for over 23 years with interests in various start-ups. Mr. Chan has successfully started and sold two companies in mobile messaging and payments industry. He has extensive expertise and experience in delivering accelerated business growth for startup companies, sales and marketing, and international market entry. Further his company today has partnerships in multiple leading countries for money services, loading and payout locations in Africa, EU, Latin and North Americas. Currently he has interests in international money transfers/e-wallet/prepaid cards, and latest ventures in crypto cards/cold storage/multiple coins and 1 : 1 asset backed gold crypto coin.

Based in Hong Kong, Joel brings to the table close to two decades of experience cutting across banking, non-banking and financial services sector including Fintech and Blockchain startups. He has worked extensively in the Asia Pacific markets leading business development teams to pinnacles of success in his previous outings. Since 2016 he has closely worked with Fintech, Blockchain and Digital payment companies from different geographies. His core area of expertise encompasses end to end services starting from payment initiation to termination.