Investa UK

Investa
Investa Banking Ecosystem

Since the advent of the “ICO” there has been a surge in new blockchain projects coming forth with a coinsale. Further, since Bitcoin and many Alts hit their all time high (ATH) in December 2017, the price of most exchange traded coins has tailed off.

For this reason the long term view of bitcoin/alt Hodlers is now under question as the price appreciation which propelled so many fortunes during the 2017 price pump, has now subsided in favour of a market caught in trading ranges.

Many hodlers have grown impatient or weary of the daily decline in their Net Asset Valuation (NAV) so are looking for other ways to supplement their crypto portfolio value. This is where the ICO market is looking increasingly attractive as returns of multiple times your investment are still possible and even commonplace.

The largest ICO’s such as telegram, Filecoin, Bancor or Bankera all having raised over $100m in their coinsale have presented early investors with an incredible opportunity to multiply their investment within a short time. Presale discounts and incentives such as bonus tokens or bounties give maximum reward to the earliest believers in the project — usually at a time when there is less certainty or crowd validation to rely on.

A major example of early investors who have hit it big would be Mike Novogratz who invested $500k in Ethereum at an early stage and is now sitting on $250m of ETH from that same investment. Now a 500x ROI is rare even in ICO terms, but the opportunities are still coming up even in a market that is seeing more and more ICO’s by the day.

Telegram, another major name was offering its presale investors to buy TON tokens at $0.33 whilst the main ICO sale was priced at over $2.50. Giving the early buyers over 7x their investment within just a few weeks. There was so much demand for TON that the presale was sold out in days and there was a huge minimum $ commitment to be approved to buy at presale prices. (TON raised $850m just in presale)

Now the main activity of many ICO investors is DD (due diligence) which is effectively vetting and investigating the potential of the project that you are considering giving your money. This is a time consuming and fairly mundane activity which requires a lot of reading and filtering the good from the bad. Hard to do if you also have a day job, family, or other commitments to juggle. Some investors take a more ‘scattergun’ approach to ICO’s thinking that if they buy into 10 or more (with just limited DD on each one) then the good ones will outweigh the losses and the investor will end up in a net profit position.

Investa offers a unique platform of complimentary crypto services which work in tandem to enable our users to manage and invest their Crypto in a managed portfolio. Investa has been engineered to offer best in class crypto fund management, ICO investment, lending, prepaid debit card and ATM network. Investa gives you the power of an ecosystem of crypto fintech from within a mobile app. For the first time, you can move, manage, invest, exchange and lend your crypto by simply clicking and interacting with the app. Investa offers the oversight of professional fund and asset managers to help ensure that your funds are invested wisely in the most fruitful opportunities in the crypto space.

Amongst many uses companies and entrepreneurs alike give to Blockchain Technology, one that we at INVESTA are committed to bring to fruition is the expensive remittance services in the Latin American Region.

This affects a special part of the population comprised of migrants spread around the American continent. The remittances sent on 2015 rose to the highest level in at least 15 years. This brought a total amount of $68.3 billion that migrants transferred higher than a pre-recession peak of $64.5 billion in 2008.

“Family remittances to 17 Latin American Countries grew over 8% from 2016 to 2017, reaching Over $75Billion. This increase far exceeds the World’s Bank forecasted 1.2% economic growth for the entire region. In terms of Scale, remittance growth has been nearly as large as export growth 9% in 2017” (Manuel Orozco-2017 -The Dialogue Leadership for the Americas).

Using the potential sanctions and higher risk associated with abusing the banking system for money laundering major international banks continue to pose a major challenge to the provision of remittance services. Complaining that remittance transactions are prone to the risk of money laundering and other financial crimes, banks have been closing the correspondent banking accounts of many money-transfer operators (MTOs). Remittance service providers and banks need not only to apply “know-your-customer” (KYC) regulations, they also need to know their customer’s customer. According to the World Bank’s survey on this phenomenon in the G20 countries, MTO account closures by banks was widespread. This situation has continued this year, in which banks are closing the bank accounts of MTOs. A risk-based approach is what the Guidance on financial inclusion of the Financial Access Task Force (FATF) recommends when dealing with AML/CFT systems. Nevertheless, several financial institutions do not want to take any risk and prefer to close the accounts of money transfer operators (MTOs).

To add to this issue, a great amount of remittance users are, in the most part, either unbanked or underbanked with little to no banking services provided to them due to their legal situation in their respective countries. this forces people to incur in additional expenses in the form of fees that certain MTOs offer which are in many cases higher than a regular international bank to bank wire transfer.

As a simple example a Venezuelan migrant in Chile, that had to flee his country looking for better opportunities. Has absolutely no banking services available to him for the first year until he can successfully apply for a visa, and even then the banking services he can obtain are quite limited for the next 5 years until he can get full residency. During that time this Venezuelan worker would have only the alternative to use one of the many MTOs. Which for their service will charge a fee that ranges from 5% all the way to 18% if we factor the spread difference of the exchange rate.

The establishment of Blockchain digital payment systems for remittances instead of using regular cash MTOs for these types of transactions are of enormous benefit to the poor in developing countries. Through its ITM Network in conjunction with its proprietary REALM Platform INVESTA is setting a network across the region and some European countries which provide transparency, safety and reliability safeguards. interoperability of bank and nonbank financial service providers so different types of systems work with each other, adequate physical infrastructure to offer digital payments, availability of cash-out points, stability of prices, and sequencing in the adoption of digital payments and mobile money.

Several attempts to solve most of the issues have been approached by different companies from many sectors of the industry. Most of them with innovative solutions, others in conjunction with banking related products. But what INVESTA proposes is to solve this issue taking what already works and making it better, faster, easier and above all safer. All with the use of our Inter Numerical Valuechain. (INV) as the vehicle for transparency, security and efficiency.

About Investa
Investa is run as a private corporation, but will always be truly beholden to its coinholders and users, as we innovate we must iterate. To produce the optimum products we will be asking for consensus of our users, as the blockchain has always done since its creation by Satoshi Nakamoto. We will not deviate, or shy away from changing the way things are done, in fact we will embrace the opportunity that this ICO gives us to raise the funds and issue the coins into the hands of those who will share our journey

The Investa platform is developed and operated by an experienced and capable team of tech, finance and business masters. Investa is more than just a blockchain project, it encompases innovation, security, scalability and flexibility. Our founders and core team members are rapidly expanding and will be announced in due course. The team have worked together on previous projects and we want to ensure that we maintain our rapid pace of progress without the distractions of publicity at this point. Certain non compete & confidentiality restrictions further prevent public disclosure of the team until those have lapsed.

Investa core and partners represent the highest quality personnel in their field and we are excited to be part of this visionary project

TRANSPARENCY
InvestaCo is committed to a fully transparent process even beyond the open source coding. Here are other ways we intend to offer transparency and community control.

Engage an accountancy firm for third-party audits, which will be reported to the community.

Founders will be limited from liquidating their INV at a rate of more than 20% of the total pool within the first year. This is to prevent dumping and to keep a stable token price. It also keeps their interests aligned with the INV community over the longer term

Reserved token crowdsale funds will be accessible only for the stated purposes, e.g. liquidity or community rewards. The INV price of future token crowdsale events will be determined based on, but not limited to, the INV exchange price prior to the crowdsale event in question.

Community approval will be used via smart contract voting based on coinholding and consensus. The voting may approve coin reserve unlocking, club membership policy changes, and other changes that affect the INV community.

A minimal threshold amount will be required to complete a token crowdsale. The ICO will have a series of cap levels. If the crowdsale does not reach its soft cap of 1 million, any funds received during the token crowdsale will be returned to the original initiating wallets. Assuming the soft cap is exceeded, but the hard cap of 50 million tokens is not met, any unsold tokens will be retained for market liquidity support. Any funds received after having reached the maximum cap of 50 million tokens will be returned to the senders’ wallet.

This means that various control functions are delegated to relevant authorities either internally or externally, to provide greater transparency and oversight of the inner workings of InvestaCoin. Our coinholders will be able to contact our core team through multiple redundant channels such as slack, telegram, twitter and community forums. Our consensus based voting mechanisms will ensure that democracy rules in directing our core dev team on vital chain and platform dev decisions, that will inevitably arise as we expand to meet the varying demands of not only our future coinholders but new customers as well. Due to operational control & security factors, we cannot make the full codebase opensource but will seek to involve and request community feedback on major decisions wherever possible.

CRYPTO ETF BASKET
INVESTA - ETF Platform

INV token can be used to participate in future presales and ICOs of new blockchain based projects, allowing our token holders to benefit from the most promising and popular ICO sales, which frequently result in significant upside opportunity.

Over the last 18 months since Etherium ICO, we have been tracking the performance of more than 800 ICO sales and initial trading performance. The results can be seen clearly - that early presale token holders are able to receive returns averaging 3x - 4x their initial investment, after just a short holding time and early exit. If the correct ICO’s are selected returns can be much higher. Our ICO verification and selection process relies on industry established methods of determining the viability and stability of the venture, as an indicator of likely ICO demand and performance. Our ETF is managed by asset managers with a trading strategy to acquire presale allocations, with an opportunistic approach to exit timing based on numerous factors such as holding time, demand momentum, risk management and profit optimisation techniques which are derived from our financial market background.

It is our expectation that great returns can be achieved from funds committed to these trading strategies and our performance over the 12 months to date has seen our private ICO portfolio growing at a steady pace.

INV tokenholders can choose to participate in the ETF fund simply by allocating their funds within our app at any time. Funds can be withdrawn from the ETF on demand and upside returns will be paid out monthly, based on the average performance of the trading during that complete month. We will not be publishing the full details of each trade, but will release general trading volumes and average performance data on a monthly basis.

We believe this is the first of its kind, passive ICO tracker fund for investors to benefit from professionally managed asset management services Our ICO trading funds will be hedged with our own token at all times, to provide downside protection and liquidity.
Due to the size of funds that we are able to control, we will receive preferential access to the most in demand ICO presales and will benefit from maximum discounts available. This is a unique and powerful advantage to give us greater leverage in the market compared to individual investors. Fees for the ETF platform will be deducted at source from the performance of the fund only, with no ongoing maintenance fees payable. This leads to maximum wealth preservation for our tokenholders who could benefit from considerable upside on a risk managed basis.

E - Wallet
INVESTA - E Wallet

Investa’s e-wallet is ERC-20 compliant and developed on the Ethereum platform, with open source decentralized nodes to confirm all transactions quickly, minimizing risk, enhancing high security, and does not involve any third parties. We have a published development roadmap. All wallets on our platform will be auto updated by our blockchain prototcol to hold INV or trade seamlessly on global exchanges.

Investa’s e-wallet provides a convenient storage vessel for your digital wealth, allowing a seamless switch between crypto and FIAT currencies. Every kind of crypto assets deposited at Investa’s e-wallet will be stored in an offline multisig wallet. It is planned that 95% of assets will be stored offline, while 5% of assets will remain in an online HOT wallet allowing for faster deposit/withdrawal experience.
With the option to make instant exchange at the lowest possible fees between fiat and crypto Investa’s e-wallet is more than just a regular crypto wallet, and it has amazing capabilities that makes it attractive to use, and also with the convenience of having multiple currencies, tokens and storage security levels. By having such a vast array of options between the wallet that will accommodate the diverse services across the Investa platform. Investa’s will offer flexible options, but high security of our users funds at all times. Investa’s e-wallet will be the easiest way to make crypto payments in the real world as well as enjoy exclusive benefits inherent to Investa’s platform. INV is not just a token – it has a real purpose and will enable multiple functions and services.

EXCHANGE
INVESTA - Exchange

Problems of existing Cryptocurrency Exchanges - High Trading Fees
According to ExchangeWar, the top 30 cryptocurrency exchanges, on average, charge 1-2% trading fees and conversion margins, which impact traders’ profits significantly. Some exchanges claim that they charge low trading fees, but these reduced rates often only apply once a trader’s volume has reached a very high threshold. Fees to deposit and withdraw FIAT currencies are often high and with slow processing times, meaning that trading gains are partially diminished by several layers of fees per transaction.

Difficulties of Real-time Trading
Due to lack of liquidity & rate-limited APIs, non-real-time transaction confirmation, and delayed order book updates, traders are often unable to trade in real-time or at sufficient volumes. This is especially apparent when the market get “hot” which is exactly when the users want to be able to trade! Investa exchange tself and our exchange partners
will be managed to ensure maximum liquidity and high availability for our users to trade when they need.

Asset Security Issues
Cryptocurrency trading platforms hold a large amount of cryptocurrency deposits, making them unavoidably the target of hackers. On February 24th, 2014, Mt.Gox, a Bitcoin exchange, was breached and lost 650K Bitcoin, which is currently worth 2.6B USD; in August 2016, Bitfinex, one of the world’s top 10 cryptocurrency exchange, was hacked and lost 120K Bitcoin, currently valued at more than 480M USD. If investors continue to be concerned about security issues, then the growth of the cryptocurrency trading market will be affected. Moreover, most cryptocurrency exchanges are not able to guarantee the adoption of the 100% reserve banking system. Deposits can be hacked; these security concerns make cryptocurrency deposits into exchanges unsecured.

Financial

Token info

Token | INV
Platform | Ethereum
Type | ERC223
PreICO price | 1 INV = 0.4 USD
Price in ICO | 1 INV = 0.8 USD

Investment info

Accepting | BTC, ETH, LTC, Fiat
Distributed in ICO | 60%
Soft cap | 1,000,000 INV
Hard cap | 30,000,000 INV

Roadmap

March, 2018
PRE ICO Marketing campaign.

2
May, 2018
ICO PRE - Launch.

3
July, 2018
ICO Launch.

4
August, 2018
Coin Distribution.

5
September, 2018
Launch Investa Platform.

6
October, 2018
Launch Investing Lending & WEB Platform EXCHANGE/E - WALLER CARDS. Launch Investing platform.

7
November, 2018
Launch mobile APPS. LAUNCHPAD & APP.

8
December, 2018
Launch enterprise platform. Launch ATM NETWORK.

Visit Investa on

Website: https://investaco.in/
Whitepaper: http://investaco.in/assets/pdf/White_Paper_Ver_1-6.pdf
Twitter: https://twitter.com/investaco_uk
Facebook: https://www.facebook.com/InvestaUK/
Telegram: https://t.me/INVESTACO

Author

Bitcointalk Username: Kingsraid

Bitcointalk Profile: https://bitcointalk.org/index.php?action=profile;u=1936096

ETH Address: 0x2611c981AdAb7109E26D0C1798e7B7F20764d5A3