PAYERA
#Payera website link https://payera.io or Telegram link https://t.me/payera.
WHITEPAPER
ICO-2018
E-mail: [email protected]
Web: www.payera.io
© COPYRIGHT
ALL RIGHTS RESERVED
- April 2018
NEW ERA OF THE CRYPTO WORLD
SIMPLE SHOPPING AND SAFE PAY
TABLE OF CONTENTS
01 Introduction
03 ICO (Initial Coin Offering)
04 Blockchain and the future of payments
05 Problem
06 Concept
07 Vision
08 Mission
09 Solution
10 Crowdsale Information
11 ICO Details
12 Security
13 Protocol / Token
14 More about PAYERA
15 More about SHOPERA
16 More about CARDERA
17 Roadmap
18 Team
02 Summary
The market for crypto currencies is the most dynamic of
our time. Digital currencies use public accounting
systems to file transactions.
We are convinced that the future of the current financial
system will be dependent on the development of the
blockchain technology and on the reaction of the
community. The blockchain can and will, in our view, be
used to achieve a really strong, positive development of
the financial system.
For quite some time, our team has intensely worked on
the blockchain technology and cryptocurrencies. We
discovered, that due its strong volatility and high
anonymity, people do speculate more with
cryptocurrencies than using the coins as a currency.
This is why the idea of PAYERA emerged to use
cryptocurrencies free of worry. We will create a secure
multifunction-platform which is going to be easy to
operate with.
After we had drawn up the initial concept, we secured -
after a brief presentation- interested partners and
consultants and thus we have systematically built up our
team.
In the process of optimizing our main product down to
the smallest detail, something extraordinary has
emerged: An All-in-One-concept that enables us to
operate with even more flexibility in the market.
INTRODUCTION
NEW ERA OF THE CRYPTO WORLD
ATAKAN ALI YILDIRIM
CEO & Co Founder
SHORT PRODUCT INFO:
OVERVIEW OF OUR PRODUCTS
We thank all those who have actively supported us. Due to
the close cooperation with our partners and consultants
within a short time a very friendly and familiar atmosphere
has arisen, which has led to a concept that is unique.
We are very confident and hope to exceed the users’
expectations.
The technical details of the Whitepaper will be following after the ICO funding-phase.
Follow us on www.payera.io or on our social media channels for update information.
The payment platform
with buyer- & sellerprotection,
wallet and
exchanger.
exchanger.äuferschutz,
Wallet + Exchanger.
The simple online-shop
with the best user
experience for merchants
and individuals
The crypto-card for
everyday payments.
PAYERA SHOPERA CARDERA
02
Buyers have the ability to pay the seller with their own, preferred
cryptocurrencies while they are under a full buyer’s protection.
SUMMARY
We have analyzed the most recongnized Fiat payment protection
platforms, refined the concept, combined those with the innovative
functions of the blockchain and integrated our unique Pera Token.
Sellers can decide whether they want to receive the purchase amount in Fiator
in the requested cryptocurrency being listed in the wallet.
PAYERA charity: A percentage of the fees we collect will automatically be
deposited into a donation pot, which will be evenly divided according to
continents.
After a certain predetermined amount has been collected, our PAYERA
foundation team will fly, regardless of religion or nationality, into any needy
region to provide support.
It is planned, according to the local situation, to build schools and water wells
and supply school materials to support the education of the children as
needed in each locale.
So as a PAYERA user you will be automatically contributing to this charity.
PAYERA: The payment platform with wallet and exchanger that enables
tradesmen and private individuals to experience safe crypto shopping.
SHOPERA: The user-friendly online-shop platform, where merchants and
individuals have the opportunity to sell new and used goods.
We have analyzed the most frequented online-shop portals and focused on
the most user-friendly features of the providers. We want to make sure, that
SHOPERA will be easy to operate and that you enjoy the best user-experience
ever.
CARDERA: Your crypto-payment-card for everyday use, which offers more
flexibility.
The card is connected to your PAYERA wallet and you have the ability to
make purchases or withdraw Fiat-money at ATMs as you are used to, except
that you use the coins in your PAYERA wallet therefore.
ICO
(Initial Coin Offering)
03
An ICO is a method to finance an enterprise. The so-called „initial coin
offerings“ are somewhat comparable with an initial edition of securities on
a stock market.
ICO is an opportunity to purchase token for projects in the blockchain
ecosystem through crowdfunding. Supporters and investors purchase the
project token and may commercially operate with the purchased token
according to the listing on different platforms.
04
BLOCKCHAIN AND THE FUTURE OF
PAYMENTS
Cryptocurrencies have evolved a great deal to what they are today. In the
past, it was called play money for gamers, today it is called, amongst other
things, speculation. Many users deal on different exchange stock markets to
generate profits. Although blockchain technology has immense potential and
many advantages over the payment system nowadays, many sellers don’t
accept Bitcoin & Co as a currency.
We are convinced that technically and also concerning the market statistics a
rapid growth of blockchain and smart contracts is foreseen. Business models
such as banks, retailers, insurances and all other affected enterprises have to
adapt their traditional and outdated business models. As the blockchain
industry has already reached its post-inception-phase, the world is ready for
strong products like PAYERA.
05 PROBLEM
Despite many advantages of blockchain technology and crypto transactions
including extreme speed, low fees and high flexibility, cryptocurrencies are
only rarely used as payments. Buyers and sellers are insecure due to floating
rates and complicated application. For this reason, enterprises still use the
traditional Fiat payment systems connected to banks and financial
institutions. Buyers want the security that transactions with cryptocurrencies
provide through a protected trade and -in case of a problem arises - a
guaranteed refund of the payment. Sellers want to increase their turnover
and establish themselves in the crypto scene. This is why PAYERA has set a
goal to establish trust between buyer and seller.
- MISSION
PAYERA from its structure is pretty similar to the most successful e-commerce
enterprise in the Asian region, but much easier to handle. Combined with
SHOP- & CARDERA we offer a multifunctional solution which does not exist on
the crypto market yet.
We will build upon on the best attributes cryptocurrencies have to offer -very
fast transactions and low fees- to enable sellers to market to the worldwide
growing audience of crypto users.
This project, with all its features and yet impressive in its simplicity, will be an
incredible and unique product for the crypto world that can be funded
through venture capital investments. - VISION
Our mission is, to be our customer’s
first choice. The place, where you
preferably buy with crypto. We have
committed ourselves to perform all
our actions economically and ecofriendly.
Our vision is to become the crypto
enterprise with the biggest number of
users worldwide, the place where
crypto owners can do online-shopping
worry-free. We are also seeking to
become the leading global and
universal crypto platform.
06 CONCEPT
BUYER SELLER SUPPORTERS
BUYERS are protected against
criminals, as we offer a full
consumer protection for all
transactions done through
PAYERA. This protection
includes all conventional goods
as well as services. You also
have the possibility to do
internal wallet transactions free
of charge.
SELLERS obtain the perfect
solution to get established in
the crypto scene and to increase
their proper sales volume. We
offer a full protection against
volatility on the crypto market
by offering an optional payment
in Fiat or the requested coin.
PAYERA also has lower fees and
a shorter holding period
compared to other systems.
Sellers also have the
opportunity to do internal
wallet transactions free of
charge.
For Supporters the PERA will
take on an important role in the
future concerning the crypto
payments, PERA is not going to
be a speculative coin.
Our supporters finance a real
business model that will be far
from pseudo-speculations.
We are confident, that our
token will be established also on
other platforms.
PAYERA offers an easy multifunctional solution for crypto users and sellers.
We are going to create a new era in the crypto-payment gateway with PAY- / SHOPand
CARDERA.
09 SOLUTION
10 CROWDSALE INFORMATION
On April 3rd
, 2018 we have opened the private sale to get attention from investors.
On May 30th
, 2018 we will start the Pre-ICO sale to gain attention from the community.
On June 20th, 2018 we will launch the ICO with the goal to reach $ 60 million USD in funding.
Private Sale 3 %
Pre ICO 10 %
ICO 57 %
TOKEN SALE BREAKDOWN
After the ICO, the unsold amount of tokens intended for the ICO sale will be burned.
Thanks to our highly motivated team that put a special focus on Roadmap, we are proud to
say that what we have achieved up to today has been supported through our own means.
The available means will help us to realize our project and will keep us following our passion
for the crypto currency.
In order to build up the PAYERA project in the segments development, marketing, team
expansion and distribution, we need your support, but first of all your trust.
We are convinced that we will push PAYERA to the top of the market and we are looking
forward to every new business partner on this way.
Together we will build a new era in the crypto world.
ICO STRATEGY
WHEN PRICE
PRE ICO START
ICO START
May 30th
, 2018, 14:00 Uhr GMT / UTC +1
+GMT 1 June 20th
, 2018, 14:00 Uhr GMT/UTC +1
+GTM 1
$ 0.035 USD
$ 0.05 USD + 25 % referral
0.06 USD + 25 % Referral
ADDITIONAL INFORMATION
TOKEN SYMBOL / PROTOCOL:
TOKEN QUANTATI:
2.100.000.000 Milliarden MAX HARDCAP:
ICO PAYMENT MEANS: ETH, BTC, LTC, DASH
PERA / ERC233 (Casper)
$ 60 million USD
2,100,000,000
11 ICO DETAILS
13 PROTOCOL / TOKEN
Security is our highest priority. Any threat will be patched and published
through our specialists.
We will insert a self-repair-code in our updates.
We don’t just secure our customers’ data, we also encode and distribute them
to redundant servers on various continents to ensure datasecurity and –
consistency.
We do not pass on any data to third parties or for purposes for market
analysis.
The verification is only needed against would-be criminals.
ADVANTAGES
The Casper-Protocol POS (Proof of Stake) is our chosen protocol, especially for cryptoeconomical
reasons, due to its many advantages concerning our environment in
comparison to the standard proof of work protocol.
Ethereum Casper is technologically advanced and superior in comparison to other
protocols. We always remain up to date regarding the crypto technologies and only
implement the most effective technologies for our users and PAYERA.
Ethereum is one of the most known and most accepted protocols in the crypto world.
There are many application possibilities and it has many supporters in the crypto
community.
12 SECURITY
NOTE:
If the Ethereum development team is not able to terminate the protocol test phase till the start
of ICO, we will implement our token into the ERC233 protocol.
14 MORE ABOUT PAYERA
- Guidelines for the PAYERA buyers’ and sellers’ protection are
transparent and simple. Established providers usually need a long
processing time and are based on a protection program that only
protects physical goods. Crypto-based services only serve as a payment
system and don’t offer any security against potential criminals.
PAYERA offers extended consumer protection for physical and virtual
purchases as well as services. - Due to high fraud risk, most providers require many documents which
slows down the refund. Holding times of four or more weeks are not
unusual.
Should an issue arise, we will find a simple solution for both parties
(buyer/seller) and refund the payment immediately after solving the
issue. - We will offer an easy solution for issues that may arise. The parties will
have the opportunity to clarify the problem in a live chat within a selfmediated
discussion for the time being.
If there is no solution reached, we offer the option to involve our
clearing mediators as a third party and to chat in real-time. Our task is
to solve conflicts straightforward and promptly. Should a mediator be
involved, the offender will be responsible to pay a fee of 1% of the
merchandise value. - We will give buyers the opportunity to rate the seller after a completed
purchase. The seller can reach different rankings in the system
depending on his success rate. With good ratings he has some
advantages like an immediate paying out and lower fees. - Users can send coins in the wallet free of charge. Additionally, the
private user can transform his user account into a business account.
Providing wallet transactions free of charge, we unfortunately cannot
offer a refund or guarantee. - For the seller’s protection we will exclude buyers who repeatedly
receive negative feedback from further purchases. Naturally, prior to
this we will first throroughly investigate the case to verify the facts
before taking such steps to exclude the buyer. - While other suppliers charge a fee between 2.9% and 5% of the total
purchase, PAYERA only demands 1% -and, depending on the seller’s
ranking, it could be even less. - Charity: A percentage of the fees will automatically be desposited into
a donation pot that will be evenly divided according to continents.
After a predetermined total amount has been collected, our PAYERA
foundation team will fly, regardless of religion or nationality, into any
needy region for support.
It is planned, – according to the local situation – to build schools and
water wells and supply school materials to support the education of
the children as needed in each locale.
So, as a PAYERA user you will be automatically contributing to the
charity. - Recommendation Program: When you promote a seller, we will
reward you for a lifetime for any through your recommended seller
sold article on our platform. A certain percentage of the fees made on
each sale will go automatically into your wallet. The seller registration
must be activated through your personal link or your profile name. The
recommendation program has a positive impact on the economic
growth of the sellers, private individuals and for PAYERA too. We
would say it is a win-win-situation.
10.From time to time there will be votes between the users. They will
decide which other cryptocurrencies should be listed in the wallet.
Additionally, an exchanger will be integrated. The exchange solution
will give the users the opportunity to change coins free of charge or to
change them into Fiat.
11.You can log-in to your wallet with your finger print, via face recognition
or a pin code. PAYERA has no access to your user account as you are
the holder of your own private key.
15
1
MORE ABOUT
SHOPERA
Our concept also offers an online-shop which allows
merchants as well as the private individuals to offer their
goods and sevices without any risk on the crypto market. - Do it easy instead of complicated. We have analysed the most common
online-shops on the market and decided to create SHOPERA to make it as
easy as possible for the users: registration – log-in –taking pictures of the
goods – set the price – a brief description - and your advertisement will be
online. Merchants as well as private individuals now have the opportunity
to shop with crypto currencies. Through a location setup (optional) you can
locate which article is for sale in your close environment, the distance can
be chosen freely. - Each online-shop charges a basic fee per article being sold. After having
analysed the most common markets together with our consultants we
decided to charge a basic fee between $ 0.05 USD and $ 0.50 USD
depending on the value of the goods using the shop.
We decided that private users can sell their goods free of charge through
SHOPERA. In order to be fair towards the dealer, a private seller can advertise and
sell max. 10 articles per month free of charge. By paying an extra fee, a private
seller is also allowed to sell more articles. Please note that only purchases and
sales are protected through PAYERA. By picking up the goods by yourself at the
sellers’ destination unfortunately there will be no buyer’s protection.
16 MORE ABOUT CARDERA
With our concept a paying card should not be missing. We now
have presented you two online solutions which offer a shopping
paradise for crypto users
With CARDERA, the crypto-payment-card for everyday use, we want to offer our
customers being flexible even offline. You will get paid out your coins towards Fiat
currency at ATMs or easily purchase your goods. For the future it is planned to
introduce a partial or full salary deposit.
(The card is going to cost $ 20.00 USD uniquely).
Note:
Dear prospectives and supporters,
As there are actually problems concerning the visa cards of some designated entrepreneurs, we
have been advised of a successful ICO to set the card in our roadmap deliberately on Q2 2020.
Our intentions will be to reach our target earlier than planned and to market CARDERA
successfully. Please understand that we are systematically following our targets step by step
and don’t want to promise anything we cannot realize.
17
03.04.18
PRIVATE SALE OPEN
20.06.18 - 18.07.18
ICO
Q1 2019
BETA WALLET / APP
Q3 2019
SHOPERA BETA
Q1 2020
ONLINESHOP APP
Q2 2020
CARDERA
30.05.18 - 15.06.18
PRE-ICO
Q4 2018
INFRASTRUCTURE
Q1 2019
OFFICIAL WALLET
Q4 2019
OFFICIAL SHOPERA VERSION
Q1 2020
API INTERFACE
Q3 2020
CHARITY
ROADMAP
Note:
Dear prospectives and supporters,
please keep in mind that the timeline
of our roadmap will shrink drastically
by reaching the hardcap.
18 TEAM
THANK YOU!
E-mail: [email protected]
Web: www.payera.io
This Whitepaper has been published on June 2
nd, 2018