Jumat, 11 Januari 2019

ZODIAQ brings together representatives from the banking segment


The world is grabbing the crypto currency strongly. According to coinmarketcap.com, the capitalization for crypto currency per April 11, 2017 is 28,122,800,000 USD. As of April 11 this year, this figure is 270,671,000,000 USD. Despite the active growth of this indicator and the subsequent decline in early 2018, overall, over a long period of time, it is clear that crypto currency capitalization is growing.
User involvement can be estimated by the number of wallets. According to University of Cambridge statistics in 2017, from 5.8 to 11.5 million wallets are considered "active", and the total is 35 million, according to 2016 data. Compared to 2013, their number has increased 4-fold.
This growth is supported by the laws of many countries, which have begun to draw an analogy between fiat and crypto currency. For the previous 2017, crypto currency has been granted legal status as a valid payment instrument or as "personal money" in more than ten countries: Japan, Singapore, Gibraltar, Cyprus, Estonia, Hong Kong, Czech Republic, Belarus, Poland, Germany, Georgia, Armenia, etc. This means that this field will not do anything, but develop in the future.

PRODUCTS OF THE SYSTEM

Stage 1. The current state of the system


The ecosystem of the classic v nk is the first stage of our project implementation. In this ersion, all operational accounting will be implemented in a typical centralized banking information system (BIS). At this time, the personal account of each bank user allows logging and performs the following general actions:
> create accounts in fiat currency: USD and EUR
> create wallet: BTC and ETH
> transfers in currency between users (P2P)
> transfers in crypto currency between users (P2P)
> exchange p2p crypto-fiat between users
> purchase and sale of crypto-currency for users
> credit and debit fiat currency
> crediting and debiting crypto
At this time, the personal account of bank users has applied the opportunity to register and perform the following general actions:
> Account creation in USD and EUR
> Create a wallet: BTC and ETH
> Transfer in currency between users (P2P)
> Transfer in crypto currency between users (P2P) • P2P crypto-fiat exchange between users.
> Purchase and sale of crypto currency.
> Deposit and withdrawal of fiat currency.
> Deposit and withdrawrar from crypto currency
Stage 2. Platform with API connection

In the next phase of the project, ZODIAQ, following the terms of the EU second payment directive (PSD2), will bring together representatives from the banking segment. The two main tools of the new platform: Payment Service Initiation Provider (PISP) and Accounting Information Service Provider (AISP), will be developed and introduced. The API service functions are as follows:
> drawing, certifying and transferring orders for funds transfer;
> analyzing data and providing information about the client's personal finances, recommendations for more effective savings management, etc .;
> provide information to third parties (for example, to assess the solvency of the borrower).
By using the services of its own banking services, which will be actively developed at this stage, ZODIAQ will be one of the first in the world to perform operational testing of PSD2 formalized provisions and introduce new protocols.
Stage 3. Platform blockchain payment

The world banking system and, in particular, the ZODIAQ team sought this option. At this stage of implementation, the core of the bank becomes digital and becomes online. Banks become decentralized. As a result, any payment agents start communicating with each other. Blockchain platforms, banks and payment services can be examples of such agents. At this stage, everything around a decentralized blockchain platform is converted into an API channel. The core of the bank obtains a tool for integration with all types of payment agents. In addition, both individuals and legal entities can become platform clients. In this implementation process, block-payment platforms can replace SWIFT completely. However, it is clear that SWIFT will remain the largest player in the financial markets for a long time,

Platform blockchain payment

The blockchain platform serves to spread the platform at home, rather than developing API services from scratch. Services provided by our blockchain platform:
> provide card balance;
> ensure payment;
> ensure payment security.
This will be the first stable solution, which will allow the bank to accept crypto currency in its regular cycle.
The use of the ZODIAQ ecosystem as a multi-function cloud infrastructure infrastructure with open APIs:

ZODIAQ strives to create flexible, open API platforms that enable the use of blockchain technology, creating an interrelated ecosystem between banks, sellers of goods and services, consumers, fintech companies and regulators, becoming the main liaison in everyday transactions.
Using our platform, users will be able to transact almost instantaneously, and configure their own end-applications and services without creating infrastructure, building integration with legislation, formalizing interactions with payment services in each new country and each new bank from the start. Because the platform already has technology and legal integration, this platform can connect new players more cheaply and faster.
ZODIAQ sets increasing security requirements that introduce strong customer authentication (SCA) with online access to accounts, transfer electronic transfer orders, and ensure specific security requirements for channels used to transmit user data.
The ZODIAQ platform, through its open API interface, ensures the exchange of data with external information systems, and provides them with a range of ready-made services.

SYSTEM COMPONENTS

  • ZODIAC CARD
Similar to your custom card. Easy and convenient - you can pay wherever you want and withdraw with an ATM.
You can choose whether your card operates with your funds from a fiat or crypto account.
Can be easily transferred between them via moble or web app.
  • SMART DOMPET
It functions as a cool wallet to store cryptocurrency safely and conviniently. Non-contact NFS payments.
Tie your third party bank card.
Accept payments as POS terminals including NFS or fiat and cryptocurrency transfers between gadgets.
This smart wallet comes with an e-ink, wifi, bloethooth and GSM module, and can be connected to your PC or Mac with USB.
The function prototype already exists.
  • BANK CRYPTOFIAT
Our fully licensed and legal bank is at the heart of our ecosystem. It provides the following services:
~ Bank account both in fiat and cryprocurrency
~ Deposits in fiat and cryprocurrency
~ Instant money transfer
~ All other traditional bank services
~ Visa / Master card with BTC and other crypto currencies as card currency
  • EXCHANGE OF EXCHANGE
~ Intuitive and multifunctional trading terminal
~ All major technical analysis options
~ Various financial instruments
~ Instant Deposits and withdrawal options include ZODIAC bank cards
~ Hedging with index trading of 10 major cryptocurrencies to avoid significant level changes of any particular pair
  • DANA HEDGE
AI-based management system. Our Artificial Intelligence System uses large data analysis and deep machine learning. We have successful strategies and scenarios for creating various investment options in cryptocurrency and related markets. For now, the trading algorithm has been tested on Poloniex Exchange, and has made more than 100% of the profit up to the first 20 days.
  • PAYMENT SYSTEM
Similar to your custom bank card. Easy and convenient - you can pay wherever you want and withdraw with an ATM.
You can choose whether your card operates with your funds from a fiat or crypto account.
Can be easily transferred between them via moble or web app.

ROADMAP

2017
INFRASTRUCTURE
The acquisition of a trust fund (financial institution) Nordic Heritage Trust
February 2017
Receive SWIFT, FATCA, AML for trust funds
April 2017
Account opening with Wells Fargo Bank
May 2017
BANK
Starting from the development of banking platform
July 2017
Starting from the document at the bank
September 2017
Obtain a Bank License
December 2017
EXCHANGE
Starting from the development of exchange platform
February 2017

DANA HEDGE

Initial development of passive elements of hedge fund management (buy / hold), interface development, large data collection of price data and fundamental indicators
August 2017
Trial of trading algorithm
December 2017 - January 2018
2018
BANK
Getting FATCA / GIIN for the bank
January 2018
Receive SWIFT for the bank
February 2018
Start testing MVP banking platform
February 2018
Account opening in crypto currency
April 2018
Account opening in fiat currency
May 2018
P2P Transfer
May 2018
P2P exchange with escrow
May 2018
Visa / MasterCard Card
October 2018
The loan is secured by a crypto currency
December 2018
Mobile banking applications
December 2018
EXCHANGE
Test the launch of the exchange
January 2018
Transfer from exchange to server work
September 2018
DANA HEDGE
Obtained license for hedge fund
October 2018
Get started with hedge funds
October 2018
PAYMENT SYSTEM
Multi Crypto currency account
February-March 2018
2019
BANK
Payment of NFC and POS terminals
Q1 2019
EXCHANGE
Trading margin
Q4 2019
PAYMENT SYSTEM
Own processing services
Q2 2019
Crypto currency pickup
Q2 2019
Open API
Q4 2019

TEAM

Oliver Kempkens: CEO
Aleksandr Gorbov: CVO, Co-Founder
Pavel Dmitriev: CMO, Co-Founder
Erik Shekhmametev: COO, Co-Founder
Vyacheslav Grachev: CTO
Ilya Churakov: Marketing Strategy Advisor
MORE INFORMATION VISIT LINKS BELOW:
Situs web:  https://www.zodiaq.io/
My ETH Address:  0x154089cb313479C0d698Fad2D29eFb9a71d67bo6

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