Cryptocurrency Integrated System (POINS) “Three Platform ...€¦ · forex market, where traders...

Cryptocurrency Integrated System (POINS) “Three Platform One Coin”

Poinsdex.com ; not only as trading platforms, but you can learn more, manage your finances, update the news & also do a business

Poinspay.com ; payment gateway is supported by super-fast transaction technology with many altcoins are integrated

Poinsku.com ; realize your dream to build a successful startup

Poins.io ; Poins Coin with transparent blockchain technology and mineable with scrypt algorithym

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TABLE OF CONTENTS

PRELIMINARY .................................................... 3

AN OPPORTUNITY .................................................... 4

CURRENCY .................................................... 12

POINS Overview .................................................... 16

POINS Trading Platform (POINSDEX) .................................................... 16

POINS Wallet (POINSPAY) .................................................... 23

POINS Incubator (POINSku) .................................................... 25

POINS Coin .................................................... 27

Initial Coin Offering (ICO) .................................................... 28

Coin and Fund Allocation .................................................... 30

Airdrop .................................................... 31

Referral Program .................................................... 31

Hold and Share Program (HAS) .................................................... 31

Unique Distribution .................................................... 34

ROADMAP .................................................... 36

POIN TEAM .................................................... 37

LEGAL NOTICE .................................................... 39






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PRELIMINARY

Cryptocurrency trading is growing rapidly and has expanded to almost every part of

the world. The cryptocurrency exchange market is similar to the stock market and

forex market, where traders can trade company stocks, commodities or fiat

currencies. However, the stock market and forex have many limitations such as

trading duration, stock trading regulations, investment rules, trading strategy rules,

broker rules and fraud, arbitration, and the legal principles of each country. This

makes it difficult for ordinary people to access, and there will be a third party with a

high cost between traders and markets.

The cryptocurrency exchange market has no restrictions on access and transparent

at very low costs. It is open to every individual, strategy, language, region, and

country in any part of the world as long as it is connected to the internet. The

cryptocurrency exchange market moves up and down every day with up to 30

percent volatility, traders can take advantage of this volatility and make a profit. It's

like getting a profit in the stock market and forex, but with an unlimited increase in

free trade. With various advantages and convenience, cryptocurrency trading can

replace the stock trading and forex in the future which is supported by an integrated

transaction management platform with various and renewable features.

After the success of bitcoin is followed by the development of new crypto and crypto

technology is increasingly unstoppable, even some experts said that crypto

blockchain-based technology is only in its initial stages. On the other hand, the

online retail industry also continues to increase. This fact encourages the

management of crypto to reach a new level as an alternative to future payment

instruments that can enter all aspects of life.

We will take part in changing the world business pattern by developing the POINS

project. We build a professional team with experienced people and work on the

previous successful ICO. I personally would like to say thank you to those who are

supporting the POINS project. Together, we will be a part of changing the

management of the cryptocurrency trading industry.






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AN OPPORTUNITY

Market Capitalization

Stock

Stock exchanges are a market that contains the sale and purchase of securities of

companies that have been listed on the stock exchange. The Securities Exchange

is defined as the party that organizes and provides a system and or means to bring

together the offers of buying and selling Securities of other parties with the aim of

trading Securities between them. While, what is meant by Securities is Securities

which include Debt Recognition, Commercial Securities, Shares, Bonds, Debt

Proofs, Participation Unit of Collective Investment Contracts, Futures Contracts on

Securities, and any derivatives of Securities.

The Largest Stock Exchange in the World is the New York Stock Exchange. The

Stock Exchange abbreviated as NYSE has a market capitalization of US $ 22.7

trillion. The New York Stock Exchange was established on May 17, 1792. It is the

most influential Stock Exchange in the World. The Stock Exchange which occupies

the second position as the largest Stock Exchange in the World is the NASDAQ

Stock Exchange with a market capitalization of US $ 10.8 trillion. The NASDAQ

Stock Exchange is also a Stock Exchange in the United States.

It is the first Stock Exchange that implements an Electronic Trading system. The

NASDAQ Stock Exchange was established on February 4, 1971. Taking third place

as the Largest Stock Exchange in the World is the JPX Stock Exchange or Japan

Exchange Group in Japan. The Japan Stock Exchange has a Market Capitalization

of US $ 6.5 trillion.

List of the 25 Largest Stock Exchanges in the World

The following is a list of the 25 Largest Stock Exchanges in the World with market

capitalization per 2018 based on the data of the World Federation of Exchanges,

which is quoted from the page cnbcindonesia.com






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Foreign Exchange (forex) The foreign exchange market (Forex, FX, or currency market) is a global market for currency trading. This market determines foreign exchange rates. This includes all aspects of buying, selling and exchanging currencies at current or specified prices. In terms of trading volume, forex is the largest market in the world. The following is a volume of daily average transactions on the global foreign exchange market from 1998 to 2016 (in billion US dollars) as quoted from page statista.com

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,7

10

,8

6,5

5,5

4,7

4,6

4,6

3,7

2,4

2,3

2,3

2,3

1,8

1,7

1,7

1,5

1,2

1,1

1 0,9

55

0,8

19

0,6

95

0,5

94

0,5

48

0,4

88

CAPITALIZATION VALUE OF 25 WORLD'S LARGEST EXCHANGE (as of January 2018) in U.S. trilliondollar






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Description

The Statistics above showing the average daily velocity in the global foreign

exchange market from 1998 to 2016. In 2013, the average daily velocity in the global

foreign exchange market is around 5.35 trillion US dollars.

According to the Bank for International Settlements, starting global results from the

US Central Bank Triennial Survey and the OTC Derivatives Markets 2016 showed

that trading on the foreign exchange market averaged $ 5.09 trillion per day in April

2016. This dropped from $ 5.4 trillion in April 2013 but rise from $ 4.0 trillion in April

2010. Measured by value, foreign exchange exchanges traded more than other

instruments in April 2016, at $ 2.4 trillion per day, followed by spot trading at $ 1.7

trillion.

The $ 5.09 trillion breakdown is as follows:

$ 1,654 trillion in spot transactions

$ 700 billion in direct face

$ 2,383 trillion in foreign exchange

$ 96 billion currency swap

$ 254 billion in options and other products

1,5271,239

1,934

3,324

3,981

5,3455,067

1998 2001 2004 2007 2010 2013 2016

Volume of daily forex transactions (in billions of US dollars)






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Cryptocurrencies Market Capitalization

Cryptocurrency is a controversial digital asset designed to function as a medium of exchange that uses strong cryptography to secure financial transactions, control the creation of additional units, and verify asset transfers. Cryptocurrency is a type of digital currency, virtual currency or alternative currency. Cryptocurrency uses decentralized control as opposed to centralized electronic money and the central bank system. Decentralized control of each cryptocurrency works through distributed ledger technology, usually blockchain, which functions as a database of public finance transactions.

Bitcoin, first released as open-source software in 2009, is generally considered the first decentralized cryptocurrency. Since then, more than 4,000 altcoins (alternative coins) have been made. Apart from the many conflicts on cryptocurrency, it does not deter the growth of the digital currency. Apart from the many conflicts on cryptocurrency, it does not deter the growth of the digital currency. Below are 10 cryptocurrencies with the largest market capitalization as on May 2018 which is quoted from coinmarketcap.com






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Most people think that trading in the cryptocurrency is the same as what happens in

stocks and forex.

Stock vs. Cryptocurrency

Shares as securities that are traded in the capital market where shareholders will

get the opportunity to get dividends and capital gains (the profit we get when selling

shares is higher than the purchase price). This Capital Gain usually makes people

think that buying and selling Cryptocurrency is the same as stocks because they get

the profit from the difference between the selling price and the buying price. The

movement of the price in stock is influenced by the company's performance, such

as the increase/decrease in profits and sales, dividends, or the news of the company

in public. In the world of cryptocurrency, the price of the unit is also strongly

influenced by the same things, such as increasing and decreasing demand, as well

as the news in the public about the state of crypto.






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Forex vs. Cryptocurrency

The equation of shares and Cryptocurrency can also be found in the world of Forex

where traders take advantage of the opportunity to buy foreign currency when prices

are still cheap and resold at higher prices.

The third price movement is influenced by supply-demand, and the public can

predict the direction of price movements with technical analysis methods (see charts

and patterns of past price movements) or fundamentals (looking at the intrinsic value

or economic situation and condition of a country). Using an analytical method, there

are no predictions that can be exactly 100% because stock prices, Forex, and

Cryptocurrency can change at any time when unexpected things happen.

With an average daily volume of US $ 5 trillion, the Forex Market is 46 times bigger

than all the stock market combinations and because it's called the most liquid market

in the world. When compared to Forex, the Cryptocurrency market is still a small

market so that Crypto prices tend to change easily (more volatile than Forex) when

a party buys or sells Crypto in large quantities.

Cryptocurrency vs. Stock and Forex: Which is the Best Trading Facility?

Keep in mind that trading Cryptocurrency tends to be riskier because the price is

more volatile than the other two markets, but the potential that Cryptocurrency has

is far greater than both.

Cryptocurrency is more similar to stocks than Forex in terms of assets, but unlike

stocks or Forex, investors in the world of Cryptocurrency do not need to rely on third

parties or brokers. You don't need to be afraid that someone will run away from your

money as long as you quickly pull the Cryptocurrency you have into your personal

wallet. In addition to investment, you can also use Cryptocurrency for a variety of

other things such as a faster money transfer process with very low transaction costs,

a safer tool to accumulate wealth, and a more efficient modern payment tool.

Another advantage of Crypto trading compared to forex trading is the side of the

buying and selling mechanism that is purely bartered. It is similar with buying and

selling gold. When you buy gold you get the gold, as well as when you buy Crypto

you get the Crypto.

What if the Crypto price is bought then the price drops, say to the price of 0 IDR?






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Because the mechanism is bartering, as long as you don't sell your Crypto, then you

have not been said to be completely lost. What happens is your capital is stuck in

assets (crypto). If you don't want to lose, don't sell your crypto below the purchase

price. You have to wait for the higher price which exceeds your buying price.

In the barter mechanism, there is no margin call because it does not involve margins

in trading. Unlike forex trading, if there are conditions above then you have lost

capital because of a margin call that you did not respond to. As long as you

understand the management of Crypto trading risk, then success as a crypto trader

is in your hand.

Seeing the huge market capital prospects, it is necessary to have an easy and

sophisticated technology trading platform equipped with accessible transactions

features

E-commerce:

Based on data reported from www.statista.com, E-Commerce users experienced

the rise in sales from 2014 to 2016. In 2014, the total sales of E-Commerce spread

throughout the world reached 1.33 billion U.S. dollar. In 2015, an increase of 212

million U.S. dollar to 1.54 billion U.S. dollar. In 2016, an increase of 367 million U.S.

dollar to 1.91 billion U.S. dollar.

While for 2017, sales volume is estimated to reach the US $ 7.66 trillion for business

to business (B2B) transactions and the US $ 2.14 trillion for business to customer

(B2C) transactions.

It is predicted that for the next 4 years there will be a significant increase because

considering the number of internet users that continues to grow and the people of

this age are now attached to the internet, making the internet as part of their lives

both in socializing and trading.

E-commerce and Cryptocurrency Transactions:

Based on the data described above, it is very unfortunate if the actual use of

cryptocurrency as an e-commerce transaction payment tool is less than 1%. This is

due to several factors, one of the important factors is:

"Cryptocurrency transactions (blockchain based) require a relatively long time to

confirm the success of a transaction, while e-commerce players (both B2B and B2C)

want very fast and even instant transactions"






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It takes a platform with high technology and security that is accepted by all parties

to be easily applied in cryptocurrency transactions.

Startup Growth

Startup Genome and Global Entrepreneurship Network (GEN), the research and

strategy company noted that the world's startup industry grew dramatically after the

venture capital investment worth US $140 billion (IDR 1,950 trillion) throughout

2017.

The total value creation derived from the global startup economy from 2015 to 2017

has reached the US $2.3 trillion, up 25.6% from the 2014 to 2016 period, in a report

entitled “Global Startup Ecosystem Report 2018: Succeeding in The New Era of

Technology “

2018 is predicted to become the third wave of world startups, with a more specific

shift in startup heart and types of services involving deep technology such as

artificial intelligence and robotics.

Seeing this opportunity, of course, there will be emerging brilliant ideas in the future

that have extraordinary potential but difficulties in funding so that little hope is

applied. The solution to this problem requires an incubation mechanism that anyone

can do to absorb these brilliant ideas and apply them to make a project realized.

The blockchain technology can create the startup incubation mechanism that is

easier and can be run by anyone.






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CURRENCY In general, money is an object that is generally accepted by the public to measure

value, exchange, and make payments for the purchase of goods and service, and

at the same time act as a means of stockpiling wealth.

The history of money developed in line with the development of human civilization.

Before humans know exchange, everyone tries to fulfill their needs with their own

efforts such as hunting when they are hungry, closing the body using simple

materials as clothing; until finally what is produced and obtained cannot meet their

needs so that it demands to find other people who want to exchange other items

that are needed so that the barter system occurs, namely goods exchanged for

goods. The problem of barter is that two parties are needed at the same time

needing goods produced by other parties. To overcome this problem comes to the

idea of using certain objects to be used as a medium of exchange or now what we

call money. The criteria for objects used as a style of exchange include high value,

difficulty in obtaining, is a primary human need, and also durable such as salt and

shells.

In line with the development of human civilization, precious metals such as gold,

silver, bronze, and copper began to be used as money. And until now with the

development of technology we know several types of modern currencies, namely

fiat currency (currency issued by the government and regulated in law), electronic /

virtual currency (derivatives of fiat money and represent the amount of fiat money

owned by someone as a bank customer), private currency (issued by the private

sector and generally prohibited by the government such as e-gold), and the last and

is being studied and developed is the cryptocurrency (using cryptographic

techniques in its creation).

Financial Technology

The advancement of technology and information which makes the use of computer

and internet networks increasing encourage people to create new breakthroughs to

make it easier to solve life problems, including payment methods. This payment

method is called financial technology (Fintech).






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Cryptocurrency Review

Fintech is quite easy to make transactions but shows that the financial system is

currently outdated and requires a system that is in accordance with the times, faster,

easier, cheaper, safer and free of intervention. Cryptology is the answer to the

deadlock and is a major component in cryptocurrency (cryptocurrency) using a

database management system (DBMS).

After the emergence of a 2008 whitepaper with the title "Bitcoin: A peer-to-peer

Electronic Cash System" by a character who calls himself Satoshi Nakamoto with

the work of cryptocurrency called bitcoin is the beginning of the creation of a block

system (genesis block), namely the first block or block the order of 0 of all blocks

that will be made in the bitcoin system.

How to simply work crypto currencies






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The user must have a crypto wallet to be able to make a transaction. The transfer

between wallets can be done in one peer to peer network. The moving process from

wallet to the wallet is done online and verified by a computer network (miners) that

are connected to each other around the world by solving the block formula. If the

verification and transfer process has been completed, the balance will move to the

destination of wallet address. Every transaction data that has been carried out will

be recorded on the blockchain transparently and safely. It can be easily seen

through blockchain explore.

ICO (Initial Coin Offering)

The value of bitcoin continues to increase until the end of 2017 through the level of

18,000 USD per bitcoin encourages many developers to enter the cryptocurrency

industry or now popular as Crypto coins. Until now more than 1,500 crypto coins

have been created and marketed in various cryptocurrency markets in various parts

of the world. Given that cryptographic currency, technology is still in the early stages

of development, the market is still very wide open for developers to offer new coins

or ICOs.

With so many developers offering ICOs, it takes an in-depth analysis and knowledge

of the feasibility of a product to be referred to as cryptocurrency and even on the

coinmarketcap.com list is not enough for an asset to be referred to as

cryptocurrency. Here are some components that a cryptocurrency must have

Decentralized, allowing mining

Have blockchain (distributed database)

Transaction data that can be read and in certain portions of data can be

hidden

Can be transferred from one entity to another

Protocol without the help of certain parties in solving possible disputes

An open system by allowing anyone to enter and exit the system whenever

desired

The user is anonymous by not using the original identity in a transparent

system






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POINS Overview

Armed with previous work experience where our ICO was successfully sold in the

market, we formed a work team and gave birth to a business concept that we call

POINS. POINS (Cryptocurrency Integrated System) is the name we have chosen,

and we consider it represents of the overall project that we will be working on.

POINS will be the solution for all the opportunities that have been described

previously.

We developed 3 (three) platforms with 1 (one) coin namely POINS Trading Platform

(www.poinsdex.com), POINS wallet (www.poinspay.com), and POINS Incubator

(www.poinsku.com) supported by funding from POINS coin sales (www.poins.io).

The Project Overview

POINS Trading Platform (POINSDEX) www.poinsdex.com The trading platform (POINSDEX) will be developed by building an integrated

website. You will get very wide access into the cryptocurrency world. Your

convenience in conducting our trading transactions is our priority. We provide all

trading instruments and tools fully. This will be helpful for both beginner and expert.

Very complete features

1. For Beginner This section must be read for those who decide to start crypto trading. Here, you will find everything that can ensure a successful start in trading: the basics of trading principles, guides, instruction articles, video tutorials, training, crypto libraries, free training, and various other supporting materials. 1.1 Platform Trading

24/7 transaction services are available that are supported by an attractive appearance and equipped with complete trading instruments. It is easy to apply for beginner and expert. It is also supported by the mobile application.

1.2 Educational Video Contains various tutorial and training.






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1.3 Open an account The beginner will be easily open an account without difficulty and the security is maintained.

1.4 Training We will conduct various kinds of educational training both online and offline, all of them will be updated on the training menu.

1.5 Poins Airdrop Bonus We will give various bonus and airdrop.

1.6 FAQ Questions and answers related to website services are presented here, so beginners can easily understand

1.7 Starting This menu will help the beginner to start and also contain several links that will be able to remind the previous menus as well as learn about various terms in the crypto world which is likely to be a novice for beginners.

2. For Expert This section is intended for those who have been operating in crypto trading. Here, you will get a review of the trading requirements with POINSDEX. In addition, you will learn ways to deposit your account and withdraw money from it. You will be provided with analytical articles, charts, crypto market video reviews, news updates, etc. Most importantly, you will get access to the facility to open a trading account. 2.1 Trading Conditions

You can see various kinds of offers, rules, and policies related to crypto trading.

2.2 Crypto Trading Analysis This menu contains both technical and fundamental analysis related to crypto trading that can be used by the crypto trader in making transaction decision.

2.3 Chart Forex charts are a new instrument of modern traders because technical analysis has been easier to understand. If you have access to cryptocurrency charts, you will easily get all the information needed for crypto trading online; keep in mind about the latest market trends. Cryptocurrency graph quotes are updated online for all cryptocurrency listed.

2.4 TV Poins We provide TV links as additional information related to crypto world news including television interview videos.

2.5 Open an Account In the menu for experts, we again display the account opening submenu to make it easier to open an account.






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2.6 Trading Platform We also display the Trading Platform submenu to make transactions easier.

3. Promo All promotional material is in this section. 3.1 Contest

To attract clients in following company programs, we will hold various contests that can be followed by all clients with very attractive prizes.

3.2 Promo The company's promotional material and the winners of company promotions can be seen here including all promotional activities of the company will be updated.

3.3 Official Sponsor Contains cooperation activities with external parties conducted by the company related to the promotion.

3.4 Poins Star Everyone and also certain brands that promote Poins can be seen here

4. Crypto Service All crypto services offered in the POINSDEX are presented in this section. These services develop the possibility of trading cryptocurrency significantly. Furthermore, these services make trading various pairs of cryptocurrencies much more efficient. The use of various crypto services is the key to successful trading for many clients. 4.1 Crypto Trading

Display all lists of cryptocurrencies that can be traded in full. 4.2 API Client Cabinet

Priorities POINSDEX is providing innovative services for its customers for successful trading. The API is a library with a large function available for each POINS customer. With the new service, you will be able to have the main functions of Client Cabinet on any site of the source

4.3 Crypto System Copy POINSDEX service that allows you to copy orders from successful traders even when you are away from your trading terminal. You only need a few minutes to choose a trader and assign an automatic copy of the chosen trader activity. In addition, you need a few more minutes to set up an account for others so that you can copy trades from you. You can also have the opportunity to become a trader and have a follower and make a commission on the profit you make for your followers.






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4.4 WebTrader Web Trader is for trading on the cryptocurrency market directly in the internet browser. This platform shares all features with standard desktop applications. Web Trader web terminal from POINSDEX combines the latest trading developments. Apart from comfortable trading with various options, users can also keep up with the latest news and analytical comments and quotation changes in online mode. In addition, there are three modifications to the Web Trader Web terminal interface based on a different approach to trading: Classic. Instrument list, trend direction, price changes for each

instrument, and trader position.

Dashboard. Each instrument is attached as a tick chart. When several

instruments are added, live boards announce all changes that occur in

financial markets.

Chart. A combination of candlesticks, OHLC charts and increases from

M1 to MN, as well as tick charts and information about the position of the

trader from the selected instrument.

4.5 Trading Investment System

Investment services trading POINSDEX is a collective investment tool in investment service provision projects. Each POINSDEX client will receive investment from another trader or invest funds in someone else's account and become a shareholder in this account. POINSDEX trading investment systems cover two categories of clients:

Clients register their accounts as Investors Clients register their accounts as Managing Traders

Investors use the investment trading POINSDEX system to invest funds in managing a trader's account in order to get a share of the profits resulting from the agreement made by Managing Trader. The process of transferring investment funds is under the control of the company, after which the investor will become a shareholder in a proportional Managing Trading account for his investment. POINSDEX companies bridge the meeting of investors and Managing Traders and as regulators while all participants of this program fully control and report all transaction activities automatically.

4.6 Crypto Bot POINSDEX Crypto bot allows users to perform transactions automatically and allows the development of Autobot techniques with API features and another supporting script.






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4.7 POINSDEX Wallet Welcome to another innovation of POINSDEX - Integrated Cryptocurrency Wallet Platform (explanation attached). This submenu will direct you to a separate innovative platform POINSPAY.

5. For Partner This section is made for those who have entered into a partnership with POINSDEX or those who are interested in becoming partners. Here, you will find complete information about how to join the POINSDEX team as a partner. In addition, we will inform you about various forms of partnerships and ways to attract clients. There is also a Partner Cabinet in this section. 5.1 How to Attract

POINSDEX Company has various ways to increase interest for its clients. Equipped with favorable and comfortable trading conditions, supported by a registration method that has the advantage of being very competitive and efficient, our company can also quickly develop concepts.

5.2 Website Partner Each partner can get a free website that is ready to use with updated content about information and company promos and campaigns; there is an access to the text of this website; an admin-special panel that allows modifying the website according to the needs of each partner. To be able to work with this website, no special expertise is needed in the field of programming.

5.3 Affiliate Program Both individuals and registered institutions are allowed to become partners. For this reason, no financial experience is needed, because the way of working with partners is very clear and easy. POINSDEX specialists will provide complete services that help you achieve your targets. The POINSDEX affiliate program is a safer way to make money on the Internet. Most affiliate programs are based on finding and attracting new clients on the internet. The main instrument is an affiliate link to calculate the number of your referrals.

5.4 Register as a Partner POINSDEX offers the best partnership requirements. By working with POINS you have the opportunity to provide high-level services to your potential clients, and you will get maximum profit. POINSDEX offers the highest partnership rewards. By becoming a partner you are ready to create a website, access 24 hours to partner statistics and complete educational and advertising materials.

5.5 Cabinet Partner Partners will be provided with a special partner page to be able to control all partnership activities including seeing bonus commissions and treating potential referrals.






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5.6 Area Partner The POINSDEX affiliate program is one of the most profitable and transparent ways to generate additional income on the internet. As a POINSDEX partner, you will get a commission from every trade made by the trader you are directing. POINSDEX affiliate programs are not only a source of additional income but also an opportunity to build your own business. You can start a blog about cryptocurrency, get an affiliate website ready for use, or become an official company representative in your area.

5.7 Crypto Informer Informer is a graphical element that is updated automatically, the source of continuous financial information, which is installed on the partner website. Information, which is provided on Informers POINSDEX, is a news portal, which facilitates the placement of your website and short operational information from the world of financial markets and Cryptocurrency.

5.8 Partnership This section offers all members of the POINSDEX a partnership and achieves success with POINSDEX.

6. Crypto Community This is a universal part with a large number of web resources and charts. This section is a mine of crypto-related information. Please state and exchange your idea! Large forums for traders, corporate blogs, humor, and crypto portals are available for everyone. 6.1 Forum List

A list of forums is on this page, where the official POINSDEX Company is represented. You can ask in any forum or give a good answer.

6.2 Company Blog List of official POINSDEX blogs, located on the portal owned by POINSDEX and the public blog community.

6.3 Crypto Humor Every job, such as cryptocurrency trading, requires a balance between work time and free time. That is why we must remember to spend our free time with smile and humor. However, if even resting cannot prevent you from thinking about trading, this section will help you escape reality. The Forex humor section is provided for professional humor. Here you can find jokes, various friendly cartoons, and caricatures of current events in the world of economics. Furthermore, the description of the image contains useful information.

6.4 Crypto Portal You can access all information related to cryptocurrency using this portal.






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6.5 Social Media

All POINSDEX community information will be shared with several popular social media applications in the community.

POINSDEX trading platform with very complete features






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POINS WALLET (POINSPAY) www.poinspay.com POINS WALLET (POINSPAY) is a crypto payment platform that accepts many of

altcoins with a flat transaction fee of 0.50% at first and will decrease in line with the

number of users. This payment platform serves merchant services or anyone who

sells them online. In time, the platform POINSPAY will be integrated with popular

shopping carts as plugins used by e-Commerce stores. Another unique feature of

POINSPAY is that you can "pay by name". Every merchant at POINSPAY has an

address that looks like the one registered in POINSPAY. You send altcoins to that

address to pay the merchant. POINSPAY will be a multi-functional wallet that will be

widely used and solve the transaction problems of your cryptocurrency. POINS user

ecosystem will continue to grow and the greater the ecosystem, the use of

POINSPAY will make it easier for all your transactions. Only with one integrated

wallet, POINSPAY, the world of cryptocurrency is in your hands

POINS Wallet (POINSPAY) is a multi-coin wallet that can store various kinds of

altcoins. Advanced features and world-class security protected by multi-signature

technology from wallet POINS for our customers.

Here are some of the main POINSPAY features.

POINS Flash

This feature supports the instant transfer of cryptocurrencies so that payments using crypto coins are faster. POINSPAY will be supported by BitGo Instant so the bitcoin payments are faster than usual and company fund are protected by Multisig Technology.

POINS Freeze

You can "freeze" your coin, which means you can set the amount of time needed before you can spend it. This will lock your coins safely.

POINS Mobile App

Access your account, receive payments privately, and change coins anywhere using the mobile application available for Android and iOS.






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POINS Fiat settles

The users in certain regions can directly withdraw their coins directly into their bank accounts.

POINS Auto Conversion

Some coins are available for automatic conversion, so you don't need to exchange them.

POINS POS

POINSPAY has a simple POS interface that allows you to receive transactions directly.

Connect Exchange Account

POINSPAY will be connected to the account registered in the POINS trading platform (POINSDEX).

Connect Wallet

POINSPAY connects many altcoins wallets.

POINS Wallet (POINSPAY) ilustration






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POINS Trading Platform (POINSDEX) and POINS wallet (POINSPAY) are interconnected

POINS Incubator (POINSku) www.poinsku.com With the opening of the POINSku platform, it opens up a vast opportunity to realize

the brilliant idea of a startup company. Every project proposal that has been

analyzed by the analyst team from POINSku in detail, they will be guided at startup

in the early stages, starting from finalizing the business model, product concept to

market share. This incubation program is divided into several phases, namely,

Ignition planting entrepreneurial mindset, a workshop on debriefing basic startup

skills, forming teams to make prototypes, coaching Boot camp with mentors,

publishing new coins/tokens to order, and continued Incubation coaching to be

ready for launch. The POINSku platform is present to educate the public in this

regard as an object of an unclear project that only focuses on raising funds without

continuous clarity. All coins and tokens created through my POINSku program will

automatically be listed on the POINS exchange. It is targeted that in 2021 there will

be many startups that will be the solution to various problems by utilizing digital

technology, especially blockchain technology.

.






26

Illustration of POINS incubator (POINSku)






27

POINS Coin

The POINS Coin is a digital asset that is built using a decentralized system in its own blockchain using the Script algorithm so that it is possible to do mining differently from tokens that do not have their own blockchain. The POINS Coin was created as a fair, transparent, and reliable fundraising platform that can be used by everyone in any part of the world.

A POINS Coin is made to support the development of POINS Trading Platform (www.poinsdex.com), POINS wallet (www.poinspay.com), and POINS Incubator (www.poinsku.com). A little summary, the POINSDEX is our portal into the world of cryptocurrencies in full which will help beginners to experts. You will get information related to the cryptocurrency world from learning, news updates, and analysis, especially the complete features that help in crypto trading transactions. Whereas, POINSPAY is designed as a means of payment for both goods and services and a place to store cryptocurrencies safely. POINSPAY also allow you to convert cryptocurrencies that you have with other cryptocurrencies available in the list. It can also be converted directly with fiat without you entering the exchange. The POINS Coin will be automatically registered in the internal exchange market, making it easier for POINS Coin holders to exchange all cryptocurrencies available on the POINS platform and with fiat simply and easily, we will also list several external markets for guarantee the liquidity. SPESIFICATION

Name POINS Symbol PIN Algorithm Scrypt Total supply 90.000.000 PIN ICO 30.000.000 PIN Mining 60.000.000 PIN Reward 50 PIN per Block Halfing 600.000 Block Price per PIN 1 ETH = 1000 PIN Link to website https://poins.io Accepted forms of payment Ethereum (ETH), Bitcoin (BTC) ICO minimum purchase 0.5 ETH

https://poins.io/






28

The Advantage of POINS Coin :

• A POINS Coin is a digital asset that allows the mining by anyone and

anywhere. You can get a POINS Coin without having to buy in the market by

positioning yourself as a miner.

• POINS Coin holders will have the advantage of obtaining various discounts

on transaction fees and can even remove transaction fees made through

wallet POINS

• Peer to peer POINS Coin can be used to pay for anything related to crypto

on the POINS platform. Can also be used to pay for online products or

services that receive crypto using a plug-in from POINS wallet

• A unique POINS Coin distribution that will maintain price stability and double

profit for ICO investors

• Air Water drop POINS Coin to increase the enthusiasm of each project

• A POINS Coin can be exchanged with other Cryptocurrency and also Fiat

• The POINS Coin will be used as a voting tool for each project to be carried

out

• Instant POINS Coin transactions when using wallet POINS

• Startup project incubator where your brilliant idea can be realized with a

POINS Coin

• ICO POINS Coin is unique and gives investors the potential of double

income. The POINS Coin obtained from the ICO will be counted as the right

to receive the company's profit sharing with the terms and conditions apply.

Initial Coin Offering (ICO) PHASE 1 The first stage of POINS Coin sales starts on October 08, 2018 at 00.00 (UTC +7).

We offer very special prices that you will get a 50% discount on payment. Payment

can be made using BTC and ETH. Purchase Details:

5 million POINS Coin Coins are available

A POINS Coin can be purchased using ETH and BTC on the Poins.io site With 1 ETH, you will get 2000 POINS Coin and for purchases using BTC,

our system will automatically convert floating prices based on coinmarketcap.com

You can make a purchase starting on October 08, 2018, at 00.00 UTC +7 and lastly purchase on October 28, 2018, at 00.00 UTC +7






29

The POINS Coin will be distributed on December 15, 2018, for instant distribution or get more benefits by including a unique distribution plus program available in the distribution system on the page of your poins.io web cabinet.

PHASE 2 The second phase of initial sales of POINS Coin starts on October 29, 2018, at 00.00

(UTC +7). We offer very special prices that you will get a 40% discount on payment.

Payment can be made using BTC and ETH. Purchase Details:

• 10 million POINS Coin is available

• A POINS Coin can be purchased using ETH and BTC on the Poins.io site

• With 1 ETH, you will get 1800 POINS Coin and for purchases using BTC, our

system will automatically convert floating prices based on

coinmarketcap.com

• You can make a purchase starting on October 29, 2018, at 00.00 UTC +7

and the last purchase date is November 30, 2018, at 00.00 UTC +7

• The POINS Coin will be distributed on December 30, 2018, for instant

distribution or get more benefits by including a unique distribution plus

program available in distribution on the page of your Poins.io web cabinet.

PHASE 3 The third stage of initial sales of POINS Coin starts on December 01, 2018 at 00.00

(UTC +7). We offer very special prices that you will get a 20% discount on payment.

Payment can be made using BTC and ETH. Purchase Details:

• 5 million POINS Coin is available

• A POINS Coin can be purchased using ETH and BTC on the Poins.io site

• With 1 ETH, you will get 1,200 POINS Coin and for purchases using BTC,

our system will automatically convert floating prices based on

coinmarketcap.com

• You can make a purchase starting on December 01, 2018, at 00.00 UTC +7

and the last purchase date is December 15, 2018, at 00.00 UTC +7

• The POINS Coin will be distributed on January 10, 2019, for instant

distribution or get more benefits by including a unique distribution plus

program available in distribution on the page of your Poins.io web cabinet.






30

ICO schedule and bonuses

Phase Start UTC +7 End UTC +7 Disc Total PIN Instan Distribution

Phase 1 Oct 8th , 2018 00.00 Oct 28th , 2018 00.00 50% 5000000 Dec 15th , 2018

Phase 2 Oct 29th , 2018 00.00 Nov30th , 2018 00.00 40% 10000000 Dec 30th , 2018

Phase 3 Dec 1st , 2018 00.00 Dec 15th , 2018 00.00 20% 5000000 Jan 10th , 2019

Coin and Fund Allocation






31

Unique ICO with Unique Distribution Airdrop Program We provide an airdrop bonus of 10 POINS Coin and an additional airdrop bonus of 5 direct referral POINS Coin for your first 10 referrals. Our first airdrop quota opens for the first 5000 members who register for poins.io accounts, provided that the member must join the official POINS group telegram, likes, and comments (choose one: Twitter official, official Facebook page, bitcointalk), like share and subscribe official YouTube channel. After you join the official group and like the chapter, share/comment, subscribe to one of the official social media, please enter your member page and make a claim by clicking the Airdrop confirmation menu to get your airdrop bonus. Referral Program Each member will get a unique referral link and you can use it to attract new

investors as referrals. We provide very attractive referral bonuses from every ICO

POINS Coin purchase made by the investor you refer. The unique referral program

that we offer is:

• 15% direct referral bonus when phase 1 ICO

• Referral bonus up to 5 levels during phase 2 and phase 3

Level 1 - 8%

Level 2 - 3%

Level 3 - 2%

Level 4 - 1%

Level 5 - 1%

Payment of bonuses using ETH and BTC is adjusted according to the payment

method of the member you refer. All networks referenced from phase 1 will continue

to be used as calculations until phase 3 is complete.

. Hold and Share (HAS) Program Get unlimited benefits through the HAS program by purchasing ICO POINS Coin. HAS is one of our flagship programs for POINS Coin holders, where everyone who keeps a POINS Coin and holds it in their wallet automatically has the right to receive profit sharing from the company's profits. Profit sharing will continue to be obtained as long as the POINS Coin is purchased when your ICO holds/holds it in your wallet. The minimum is up to the maximum time-sharing and maximum time distribution.






32

The small size of the distribution depends on the number of POINS Coin you hold and also based on the profit sharing index (in %) as the divisor determined by the company. The company's profits come from fees, commissions and other business results which obtained from business turnover in POINS Trading Platform (Poinsdex.com), POINS Wallet for Ecommerce (Poinspay.com), and POINSku.com. HAS program terms and conditions:

• All POINS Coin sold during the ICO program are counted as dividers and are

entitled to get profit sharing from profits generated by the company.

• The HAS program is intended for investors who buy POINS Coin for an ICO

of at least 1 ETH and is calculated for the accumulation of purchases in

phase 1, phase 2, and phase 3. Automatically when accumulating at least 1

ETH you are included in the HAS program and entitled to profit sharing. And

your rights are lost automatically if the wallet balance registered in the HAS

program is less than 1 POINS Coin. If the accumulation of POINS Coin

purchases during ICO is below 1 ETH, then it is not included in the HAS

program.

• The benefits of the company, in this case, are the benefits derived from fees,

commissions and operating results from trading platform POINS, wallet

POINS, and my POINS program. Company profits will be displayed on the

cabinet page of each POINS Coin holder.

• The program does not apply to holders of POINS Coin purchased outside

the ICO.

• The profit sharing index for the first year is 50% of the total profit and will be

recalculated for the following years and is the company's absolute right to

regulate it.

• The Calculate formula:

PIN

indeksxprofitPINSharing

%/

myPINxPINsharingngprofitTotalShari /

Sharing / PIN : Share the results obtained every 1 PIN

Profit : Net profit of the company

% index : % share of company profits






33

PIN : PIN sold in ICO

Total Sharing Profit : The total profit sharing received by the PIN holder

My PIN : The PIN that you have

The example calculation:

1) Alex is a POINS Coin holder. There are 10K POINS Coin in Alex’s wallet

which is obtained from ICO’s purchase. The total POINS Coin sold at ICO as

much as 20 million POINS Coin. The company's net profit (POINS) can be seen

in Alex's cabinet of 1000 BTC and the company will distribute the profits of the

company to all POINS Coin holders obtained from the ICO including Alex will get

the rights to the results. The profit sharing index at that time was 50%. The

amount of profit sharing that Alex will receive is:

PINBTCPIN

BTCx/00025,0

000.000.20

%501000

BTCPINBTCx 25,010000000025,0

2) After obtaining a profit share of 0.25 BTC on profit sharing which Alex

enjoyed, Alex sells 5000 POINS Coin through the market so that there are 5000

left in Alex's wallet. The company's net profit for the next period is seen in Alex's

cabinet is 800 BTC and the company will share the company's profits to all

POINS Coin holders. The profit sharing index at that time was 50%. The amount

of profit sharing that Alex will receive is:

PINBTCPIN

BTCx/00002,0

000.000.20

%50800

BTCPINx 1,0500000002,0






34

3) The second profit sharing that Alex receives is 0.1 BTC from the remaining

5,000 POINS Coin owned by Alex. Alex bought 5,000 POINS Coin from the

market so that the total owned by Alex was 10000 POINS Coin. The company

will share the results for the third period and it can be seen that the company's

profits in the Alex cabinet are 1500 BTC. The profit sharing index at that time

was 50%. The amount of profit sharing that Alex will receive is:

PINBTCPIN

BTCx/0000375,0

000.000.20

%501500

BTCPINx 1875,050000000375,0

Notes:

• The company's profits will fluctuate so that it affects the revenue sharing

received.

• The profit sharing period will be determined with a separate technique

explained after the ICO period after voting the POINS Coin holders.

• The amount of profit sharing is determined not only by the small amount of

the company's profit but also depends on the number and the number of

POINS Coin held. Purchasing a POINS Coin outside the ICO does not get

the profit sharing rights.

• The company profit sharing index in the example above is 50% and in

practice, it can change according to company policy.

• In case number 3, Alex will only get profit sharing from 5,000 POINS Coin

because 5,000 other POINS Coin are purchased from the market instead of

the ICO.

POINS Coin distribution program

A unique distribution of POINS Coin with two choices, namely instant distribution

and distribution plus. The distribution, in this case, is the sending of the POINS Coin

from the purchase of ICO to the investor's wallet. Instant distribution is the

distribution of POINS Coin directly according to the schedule that has been set.






35

While the distribution plus is the distribution of POINS Coin periodically which is

regulated by the contract and will get a bonus given by the company in the form of

adding a number of POINS Coin. POINS Coin distribution options are available in

the ICO member cabinet.

Instant distribution:

Instant distribution is a pattern of distribution of POINS Coin from the purchase of

ICO directly according to the number of POINS Coin purchased at the time of the

ICO and adjusted the schedule determined from each phase of the ICO. In phase

1, ICO will be distributed instantly on 15 December 2018, in phase 2, ICO will be

distributed on 30 December 2018 and in phase 3, ICO will be distributed on 10

January 2019.

Distribution Plus:

The Distribution Plus is a pattern of distribution of ICO-purchased POINS

Coin in stages for 3 (three) months and investors will get a bonus in the form

of adding a POINS Coin of 30% of the total number of POINS Coin purchased

during the ICO.

Distribution plus is optional and is not mandatory for investors to follow this

plus distribution pattern.

Every investor participating in an ICO POINS Coin purchase is entitled to

participate in a distribution program plus through the distribution selection

menu in the member cabinet.

The distribution schedule is:

The first month is distributed 30% of the total POINS Coin and bonus

The second month is distributed 30% of the total POINS Coin and bonus

The third month is distributed 40% of the total POINS Coin and bonus

The sample case:

1) Alex has purchased 5,000 POINS Coin through ICO in phase 1. Alex choose

the distribution pattern instantly. Alex will receive the 5,000 POINS Coin into

Alex's wallet on December 15, 2018.






36

2) Alex has purchased 5,000 POINS Coin through ICO in phase 1. Alex choose

the distribution pattern plus. Alex will receive 5,000 PIN plus 1500 30% bonus

POINS Coin so that the total POINS Coin that will be received by Alex is

6,500 POINS Coin. Alex's distribution POINS Coin schedule is:

January 15, 2019 30% x 6,500 PIN = 1,950 PIN

February 15, 2019 30% x 6,500 PIN = 1,950 PIN

March 15, 2019 40% x 6,500 PIN = 2,600 PIN

ROADMAP






37

POINS TEAM

Heni Pranyoto - Co Founder / CEO (Chief Executive Officer) Heni Pranyoto or commonly known as Ragil is a trader who has more than 10 years of experience in forex trading, index and cryptocurrency trading. Often invited as mentors and speakers in various seminars and workshops around online trading, marketing, and financial technology. Ex STENEUM coin developer team with ICO is very successful at the end of 2017 with the main project of building the BITSTEN trading platform and resigning after the ICO ends. With the new team, return by bringing the concept of POINS (cryptocurrency integrated system) which is developing 3 (three) platforms with 1 (one) coin.

Andiono - Co Founder / CTO (Chief Technology Officer)

Andiono is a graduate of Bandung Informatics Engineering and

completed his Masters in Information Technology Yogyakarta

Indonesia. Since 2000, he has worked at the International

Company engaged in Telecommunication in handling Billing

System. The position he had served as a programmer, System

Analyst, Lecturer, Manager and Leader in several IT consulting

firms. 15 years of experience in the IT field and currently involved

in the POINS big project as the leader of the blockchain architect.

Mansyursyah Latief / Lead Software Design & Architecture

Mansyursyah Latief is an IT Engineer with more than 7 years

experience. Univ graduate. Amikom Yogyakarta has a lot of

experience working in several leading companies in the IT section,

& Webmasters with lots of portfolios both private and government

agencies. With Andiono working on the development of blokchain

technology. Expert in developing c #, php and Android based

software.






38

Setiawan Nur Aptanto / CMO (Chief Marketing Officer)

Setiawan is commonly called Wawan with more than 12 years

experience in marketing. From 2006 involved in multilevel

marketing. In 2008 became Crown Ambasador, one of the world's

leading multilevel marketing companies. Speakers and trainers in

various marketing seminars and workshops. Become a crypto

enthusiast since 2015.

Sapto Pujowiyoto / CFO (Chief Financial Officer)

Sapto Pujowiyoto holds a Bachelor in Economics Univ. Jenderal

Soedirman Purwokerto graduated in 2006. He pursued a career

as a Financial Consultant from 2011 in several Financial

companies and Futures Brokerage Companies. Speakers and

trainers in various seminars and workshops. Crypto Enthusiast

and Crypto Investors since 2014.

ADVISOR

Alfid Van Arista

Alfid Van Arista is a highly experienced in social media marketing

and internet marketing since 2008. Observers of the development

of financial technology. As Crypto Enthusiast, Crypto Investor,

Crypto Trader, Forex Trader and Miner.

Imam Suryono

Imam Suryono has more than 20 years’ experience in marketing,

public speaking, and investment. Advisor in several Multilevel

Marketing and Investment companies. Speakers and trainers in

various seminars and workshops in the fields of marketing, finance

and investment. Financial Consultants and Hedge Fund

Managers. Crypto Enthusiast and Crypto Investors.






39

LEGAL NOTICE

This whitepaper (“Whitepaper”), in its current form, is being circulated by Poins

(referred to as the Company in this Whitepaper) for general information and to invite

community feedback only on the Poins project as presently conceived.

The Whitepaper is subject to review and revision by the Company (as referred to in

this Whitepaper), the board of advisers and/or legal advisers of Poins. Please do

not replicate or distribute any part of this Whitepaper without this legal notice. No

part of this Whitepaper is intended to create legal relations with the recipients of this

Whitepaper or to be legally binding or enforceable by such recipient against Poins.

An updated version of this Whitepaper may be published and announced by Poins

operating in its sole and absolute discretion.

PLEASE READ THIS SECTION AND THE FOLLOWING SECTIONS ENTITLED

“DISCLAIMER OF LIABILITY”, “NO REPRESENTATIONS AND WARRANTIES”,

“REPRESENTATIONS AND WARRANTIES BY YOU”, “CAUTIONARY NOTE ON

FORWARD-LOOKING STATEMENTS”, “THIRD PARTY INFORMATION AND NO

CONSENT OF OTHER PERSONS”, “TERMS USED”, “NO ADVICE”, “NO

FURTHER INFORMATION OR UPDATE”, “RESTRICTIONS ON DISTRIBUTION

AND DISSEMINATION”, “NO OFFER OF INVESTMENT OR REGISTRATION”

AND “RISKS AND UNCERTAINTIES” CAREFULLY. IF YOU ARE IN ANY DOUBT

AS TO THE ACTION YOU SHOULD TAKE, YOU SHOULD CONSULT YOUR

LEGAL, FINANCIAL, TAX OR OTHER PROFESSIONAL ADVISOR(S).

POINS Coin are not intended to constitute securities of any form, units in a business

trust, units in a collective investment scheme or any other form of investment in any

jurisdiction. This Whitepaper does not constitute a prospectus or offer document of

any sort and is not intended to constitute an offer of securities of any form, units in

a business trust, units in a collective investment scheme or any other form of

investment, or a solicitation for any form of investment in any jurisdiction.

While this Whitepaper does not preclude Poins from offering holders of POINS Coin

a share of the revenue generated from the commercial applications of Poins, such

offer, if any, and the extent thereof, will be at the sole and absolute discretion of

Poins. Accordingly, there is no assurance whatsoever as to whether such offer will

be made and holders of POINS Coin should have no expectation of receiving any

such offer. No POINS Coin should be construed, interpreted, classified or treated

as enabling, or according any opportunity to, purchasers to participate in or receive

profits, income, or other payments or returns arising from or in connection with the






40

Poins platform or products, POINS Coin or the proceeds of the POINS Coin

generation event (as described in this Whitepaper), or to receive sums paid out of

such profits, income, or other payments or returns.

This Whitepaper does not constitute or form part of any opinion on any advice to

sell, or any solicitation of any offer by Poins to purchase any POINS Coin nor shall

it or any part of it nor the fact of its presentation form the basis of, or be relied upon

in connection with, any contract or investment decision. Poins will deploy all

proceeds of sale of the POINS Coin to support ongoing development of the Poins

products and ecosystem. No person is obligated to enter into any contract or binding

legal commitment in relation to the sale and purchase of the POINS Coin and no

cryptocurrency nor other form of payment is to be accepted on the basis of this

Whitepaper. Any agreement as between Poins and you as a purchaser, and in

relation to any sale and purchase of POINS Coin (as referred to in this Whitepaper)

is to be governed by a separate document setting out the terms and conditions (the

“T&Cs”) of such an agreement. In the event of any inconsistencies between the

T&Cs and this Whitepaper, the former shall prevail.

No regulatory authority has examined or approved of any of the information set out

in this Whitepaper. No such action has been or will be taken under the laws,

regulatory requirements or rules of any jurisdiction. The publication, distribution or

dissemination of this Whitepaper does not imply that the applicable laws, regulatory

requirements or rules have been complied with. There are significant risks and

uncertainties associated with Poins and its business and operations, the POINS

Coin, the POINS and the Poins ecosystem (each as referred to in this Whitepaper).

This Whitepaper, any part thereof and any copy thereof must not be taken or

transmitted to any country where distribution or dissemination of this Whitepaper is

prohibited or restricted. No part of this Whitepaper is to be reproduced, distributed

or disseminated without including this section and the following sections entitled

“Disclaimer of Liability”, “No Representations and Warranties”, “Representations

and Warranties By You”, “Cautionary Note On Forward-Looking Statements”, “Third

Party Information and No Consent of Other Persons”, “Terms Used”, “No Advice”,

“No Further Information or Update”, “Restrictions On Distribution and

Dissemination”, “No Offer of Investment Or Registration” and “Risks and

Uncertainties”.






41

8.1. DISCLAIMER OF LIABILITY

To the maximum extent permitted by the applicable laws, regulations and rules,

Poins shall not be liable for any indirect, special, incidental, consequential or other

losses of any kind, in tort, contract or otherwise (including but not limited to loss of

revenue, income or profits, and loss of use or data), arising out of or in connection

with any acceptance of or reliance on this Whitepaper or any part thereof by you.

8.2. NO REPRESENTATIONS AND WARRANTIES

Poins does not make or purport to make, and hereby disclaims, any representation,

warranty or undertaking in any form whatsoever to any entity or person, including

any representation, warranty or undertaking in relation to the truth, accuracy and

completeness of any of the information set out in this Whitepaper.

8.3. REPRESENTATIONS AND WARRANTIES BY YOU

By accessing and/or accepting possession of any information in this Whitepaper or

such part thereof (as the case may be), you represent and warrant to Poins as

follows:

(a) you agree and acknowledge that the POINS Coin do not constitute securities of

any form, units in a business trust, units in a collective investment scheme or any

other form of investment in any jurisdiction;

(b) you agree and acknowledge that this Whitepaper does not constitute a

prospectus or offer document of any sort and is not intended to constitute an offer

of securities of any form, units in a business trust, units in a collective investment

scheme or any other form of investment in any jurisdiction, or a solicitation for any






42

form of investment, and you are not obligated to enter into any contract or binding

legal commitment and no cryptocurrency or other form of payment is to be accepted

on the basis of this Whitepaper;

(c) you acknowledge and understand that: (i) while this Whitepaper does not

preclude Poins from offering holders of POINS Coin a share of the fees and revenue

generated from the commercial applications of Poins products or ecosystem, such

offer, if any, and the extent thereof, will be at the sole and absolute discretion of

Poins; (ii) there is no assurance whatsoever as to whether such offer will be made

and holders of POINS Coin should have no expectation of receiving any such offer;

and (iii) no POINS Coin should be construed, interpreted, classified or treated as

enabling, or according any opportunity to, purchasers to participate in or receive

profits, income, or other payments or returns arising from or in connection with the

Poins ecosystem, the POINS Coin or the proceeds of the POINS (as described in

this Whitepaper), or to receive sums paid out of such profits, income, or other

payments or returns;

(d) you agree and acknowledge that no regulatory authority has examined or

approved the information set out in this Whitepaper, no action has been or will be

taken under the laws, regulatory requirements or rules of any jurisdiction and the

publication, distribution or dissemination of this Whitepaper to you does not imply

that the applicable laws, regulatory requirements or rules have been complied with;

(e) you agree and acknowledge that this Whitepaper, the undertaking and/or the

completion of the POINS or future trading of the POINS Coin on any cryptocurrency

exchange, shall not be construed, interpreted or deemed by you as an indication of

the merits of Poins, the POINS Coin, the POINS, Poins products or ecosystem (each

as referred to in this Whitepaper);

(f) the distribution or dissemination of this Whitepaper, any part thereof or any copy

thereof, or acceptance of the same by you, is not prohibited or restricted by the

applicable laws, regulations or rules in your jurisdiction, and where any restrictions

in relation to possession are applicable, you have observed and complied with all

such restrictions at your own expense and without liability to Poins;






43

(g) you agree and acknowledge that in the case where you wish to purchase any

POINS Coin that the POINS Coin are not to be construed, interpreted, classified or

treated as:

(i) (i) any kind of currency other than cryptocurrency;

(ii) debentures, stocks or shares issued by any person or entity;

(iii) rights, options or derivatives in respect of such debentures, stocks or shares;

(iv) rights under a contract for differences or under any other contract the purpose

or pretended purpose of which is to secure a profit or avoid a loss;

(v) units in a collective investment scheme;

(vi) units in a business trust;

(vii) derivatives of units in a business trust; or

(viii) any other security, class of securities or form of investment;

(i) you have a basic degree of understanding of the operation, functionality, usage,

storage, transmission mechanisms and other material characteristics of

cryptocurrencies, blockchain-based software systems, cryptocurrency wallets or

other related coin/token storage mechanisms, blockchain technology and smart

contract technology;

(j) you are fully aware and understand that in the case where you wish to purchase

any POINS Coin, there are significant risks associated with Poins and its respective

business and operations, the POINS Coin, the POINS, Poins anticipated products,

if any and the Poins ecosystem (each as referred to in the Whitepaper); (c) (d)

(k) you agree and acknowledge that Poins is not liable for any indirect, special,

incidental, consequential or other losses of any kind, in tort, contract or otherwise

(including but not limited to loss of revenue, income or profits, and loss of use or

data), arising out of or in connection with any acceptance of or reliance on this

Whitepaper or any part thereof by you;






44

(l) all of the above representations and warranties are true, complete, accurate and

non-misleading from the time of your access to and/or acceptance of possession

this Whitepaper or such part thereof (as the case may be); and

(m) all of the above representations and warranties are to be repeated at any time

that you interact with Poins.

8.4. CAUTIONARY NOTE ON FORWARD-LOOKING STATEMENTS

All statements contained in this Whitepaper, statements made in press releases or

in any place accessible by the public and oral statements that may be made by

Poins or its directors, executive officers, advisers or employees acting on behalf of

Poins, that are not statements of historical fact, constitute “forward-looking

statements.” Some of these statements can be identified by forward-looking terms

such as “aim”, “target”, “anticipate”, “believe”, “could”, “estimate”, “expect”, “if”,

“intend”, “may”, “plan”, “possible”, “probable”, “project”, “should”, “would”, “will” or

other similar terms. However, these terms are not the exclusive means of identifying

forward-looking statements.

All statements regarding Poins’s financial position, business strategies, plans and

prospects and the future prospects of the industry which Poins is in are forward-

looking statements. These forward-looking statements, including but not limited to

statements as to Poins’s current or future revenue and profitability, prospects, future

plans, other expected industry trends and other matters discussed in this

Whitepaper regarding Poins are matters that are not historical facts, but only

predictions. These forward-looking statements involve known and unknown risks,

uncertainties and other factors that may cause the actual future results, performance

or achievements of Poins to be materially different from any future results,

performance or achievements expected, expressed or implied by such forward-

looking statements.






45

These factors include, amongst others:

(a) changes in political, social, economic, stock or cryptocurrency market conditions,

and the regulatory environment in the countries in which Poins conducts its

respective businesses and operations;

(b) the risk that Poins may be unable to execute or implement its business strategies

and future plans;

(c) changes in interest rates and exchange rates of fiat currencies and

cryptocurrencies;

(d) changes in the anticipated growth strategies and expected internal growth of

Poins;

(e) changes in the availability and fees payable to Poins in connection to its

anticipated products, businesses and operations;

(f) changes in the availability and salaries of employees who are required by Poins

to operate its respective businesses and operations;

(g) changes in preferences of users of Poins products and the Poins ecosystem;

(h) changes in competitive conditions under which Poins operates, and the ability of

Poins to compete under such conditions;

(i) changes in the future capital needs of Poins and the availability of financing and

capital to fund such needs;

(j) war or acts of international or domestic terrorism;

(k) occurrences of catastrophic events, natural disasters and acts of God that affect

the businesses and/ or operations of Poins;

(l) other factors beyond the control of Poins; and (m) any risk and uncertainties

associated with Poins and its businesses and operations, the POINS Coin, the

POINS and the Poins ecosystem (each as referred to in the Whitepaper).

All forward-looking statements made by or attributable to Poins or persons acting

on behalf of Poins are expressly qualified in their entirety by such factors. Given that

risks and uncertainties that may cause the actual future results, performance or

achievements of Poins to be materially different from that expected, expressed or

implied by the forward-looking statements in this Whitepaper, undue reliance must






46

not be placed on these statements. These forward-looking statements are

applicable only as of the date of this Whitepaper. Neither Poins nor any other person

represents, warrants and/or undertakes that the actual future results, performance

or achievements of Poins will be as discussed in those forward-looking statements.

The actual results, performance or achievements of Poins may differ materially from

those anticipated in these forward looking statements. Nothing contained in this

Whitepaper is or may be relied upon as a promise, representation or undertaking as

to the future performance or policies of Poins.

Further, Poins disclaims any responsibility to update any of those forward-looking

statements or publicly announce any revisions to those forward-looking statements

to reflect future developments, events or circumstances, even if new information

becomes available or other events occur in the future.

8.5. THIRD PARTY INFORMATION AND NO CONSENT OF OTHER PERSONS

This Whitepaper includes information obtained from various third party sources

(“Third Party Information”). None of the publishers of the Third Party Information has

consented to the inclusion of the Third Party Information in this Whitepaper and is

therefore not liable for the Third Party Information. While Poins has taken

reasonable action to ensure that the Third Party Information have been included in

their proper form and context, neither Poins, nor its directors, executive officers,

advisors and employees acting on its behalf, has independently verified the

accuracy, reliability, completeness of the contents, or ascertained any applicable

underlying assumption, of the relevant Third Party Information. Consequently,

neither Poins nor its directors, executive officers, advisers and employees acting on

their behalf makes any representation or warranty as to the accuracy, reliability or

completeness of such information and shall not be obliged to provide any updates

on the same.






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8.6. TERMS USED

To facilitate a better understanding of the POINS Coin being offered for purchase

by Poins, and the businesses and operations of Poins, certain technical terms and

abbreviations, as well as, in certain instances, their descriptions, have been used in

this Whitepaper. These descriptions and assigned meanings should not be treated

as being definitive of their meanings and may not correspond to standard industry

meanings or usage. References to persons made in this Whitepaper shall include

corporations and other legal entities.

8.7. NO ADVICE

No information in this Whitepaper should be considered to be business, legal,

financial or tax advice regarding Poins, the POINS Coin, the POINS, Poins

anticipated products or eco-system (each as referred to in the Whitepaper). You

should consult your own legal, financial, tax or other professional adviser regarding

Poins and its businesses and operations, the POINS Coin, the POINS, Poins

anticipated products and eco-system (each as referred to in the Whitepaper).

Further, you should be aware that you may be required to bear the financial risk of

any purchase of POINS Coin for an indefinite period of time.

8.8. NO FURTHER INFORMATION OR UPDATE

No person has been or is authorised to give any information or representation not

contained in this Whitepaper in connection with Poins and its businesses and

operations, the POINS Coin, the POINS, the Poins anticipated products and eco-

system (each as referred to in the Whitepaper) and, if given, such information or

representation must not be relied upon as having been authorised by or on behalf

of Poins.

The POINS (as referred to in the Whitepaper) shall not, under any circumstances,

constitute a continuing representation or create any suggestion or implication that






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there has been no change, or development reasonably likely to involve a material

change in the affairs, conditions and prospects of Poins or in any statement of fact

or information contained in this Whitepaper since the date hereof.

8.9. RESTRICTIONS ON DISTRIBUTION AND DISSEMINATION

The distribution or dissemination of this Whitepaper or any part thereof may be

prohibited or restricted by the laws, regulatory requirements and rules of any

jurisdiction. In the case where any restriction applies, you are to inform yourself

about, and to observe, any restrictions which are applicable to your possession of

this Whitepaper or such part thereof (as the case may be) at your own expense and

without liability to Poins.

Persons to whom a copy of this Whitepaper has been distributed or disseminated,

provided access to or who otherwise has the Whitepaper in their possession shall

not circulate it to any other persons, reproduce or otherwise distribute this

Whitepaper or any information contained herein for any purpose whatsoever nor

permit or cause the same to occur.

8.10. NO OFFER OF INVESTMENT OR REGISTRATION

This Whitepaper does not constitute a prospectus or offer document of any sort and

is not intended to constitute an offer of securities of any form, units in a business

trust, units in a collective investment scheme or any other form of investment, or a

solicitation for any form of investment in any jurisdiction. No person is obligated to

enter into any contract or binding legal commitment and no cryptocurrency or other

form of payment is to be accepted on the basis of this Whitepaper.

No regulatory authority has examined or approved of any of the information set out

in this Whitepaper. No such action has been or will be taken under the laws,

regulatory requirements or rules of any jurisdiction. The publication, distribution or

dissemination of this Whitepaper does not imply that the applicable laws, regulatory

requirements or rules have been complied with.






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8.11. RISKS AND UNCERTAINTIES

Prospective purchasers of POINS Coin (as referred to in this Whitepaper) should

carefully consider and evaluate all risks and uncertainties associated with Poins and

its respective businesses and operations, the POINS Coin, the Poins, and

anticipated Poins products and eco-system (each as referred to in the Whitepaper),

all information set out in this Whitepaper and the T&Cs prior to any purchase of

POINS Coin. If any of such risks and uncertainties develops into actual events, the

business, financial condition, results of operations and prospects of Poins could be

materially and adversely affected. In such cases, you may lose all or part of the

value of the POINS Coin.

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