Future in Digital banking Investor Presentation January 2019 - - PowerPoint PPT Presentation

Exploring Futurein

Digital banking

My Name Is January 2019

Investor Presentation

The Disruptive Digital Banking Age is Arriving

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Looking back at the past of the banking industry, a disruptive era is coming

Traditional banking evolution 70's

In the middle of 70’s, Citi bank was first to introduce ATM and more consensus have been reached among banks to open ATM terminal as well as inter-bank transactions.

90's Digital connection Digitalization

Moving into 21st century, more digital features are being introduced and there are more transition from traditional banking to digital banking

21st century Now Digital Bank

With the growing demand for e- banking, the technology has changed the way people live. As the time goes by, the digital bank will be in a position to serve the new generation Until 90’s the arising Internet technology, banks are starting to add in the digital elements to the banking service, such as

• nline transfer , online payment and e-

statement

In the past one year, digital banking and mobile bank attract much attention and capital investment, such as Webank, Starling, Monzo etc. There is a clear trend that new generation users are moving toward user-friendly mobile and digital platform. In the long run, digital bank naturally caters the young generation’s needs , thus having the long-run development.

In 5 years, the digital bank will take a more important role

The Digital Bank will create sustainable business value

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Pic: UBS trading floor in Stanford

Breakthrough for the Productivity Cap

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So far, the productivity cap of various industries is continuously increasing, and the cost/income ratio

• f some financial institutions has reached 45% to

60% (although the level of developing regions is relatively low), but the blockchain and AI technology integrate the decentralization with intelligent automation, making it available to rapidly increase the productivity cap.

• Mobile cross
• broad payment
• Online payment
• Digital asset collateral
• Crowd funding
• Rob-adviser
• Asset management
• centralized wallet
• Decentralized wallet
• KYC
• Customized KYC solution
• KYC authorization
• KYC information sharing
• Customized ATM terminal
• Point-to-

point digital service

• Biometrics identification
• Emerging market support

Key Applications for Digital Bank Industry

According to the studies of over 20 digital banks, 4 focus areas are as below:

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P2P payment Asset management Identity verification

Customized solution

As traditional enterprises enter the digital era, they will face major challenges different from the past, seeking a balance between the impact of core service transformation and the demand for daily expenditure returns. This transformation will make more and more millennial labor participants far away from the existing traditional business model. They will engage in new jobs, collaborate with each other in the Internet and among individuals, and undertake more social responsibility and spiritual mission. In the course of building this new vision, team organizers will encounter more challenges in leadership direction, internal structure, talent use and interaction. Therefore, the emergence of digital bank will ensure that the transformation process will be more smoothly.

Digital Bank and Millennials

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The data on Linked in show that millennials prefer to regard services as partnerships. Whether working in enterprises or using financial services, they prefer to pursue equality for all and work hard for themselves.

Digital Bank and Digital Transaction

5 6 7 8 9 10 11 12 1 2 3 4 5 6 7 8 9 10 11 12

Average monthly transaction volume of digital assets from May 2017 to Dec. 2018, shown in coinmarketcap

Since Nov. 2017, the transaction volume of digital assets has soared sharply, which has experienced two climax stages. Although it has dropped significantly from the peak in Jan. 2018, the transaction volume

• f digital assets has maintained a stable range since June 2018, especially the emergence of StableCoins

and STO, letting the digital assets market have had new transaction demands as an active support.

Transaction amount: 51.2 billion US dollars

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Digital Bank and StableCoin

There are 57 kinds of StableCoin in the market according to statistics, and 39% of them is active and has been connected with financial and regulative entities gradually.

2014 2015 - 2016 2017 2018 H1 2018 H2 20+ others

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Digital Bank and Digital Factoring

500000 1000000 1500000 2000000 2500000 3000000 2011 2012 2013 2014 2015 2016 2017 2018

Global business factoring field has been growing at a compound growth rate of nearly 8% over the past few

• years. According to FCI data, the global factoring field

generated more than 2.598 trillion Euros in business in 2017, and is expected to exceed 2.8 trillion Euros in 2018, a year coming to an end soon. Since 2014, factoring business has gradually moved from the traditional process to online process, and commercial factoring companies have tried to use digital technology to reduce costs, but also to make factoring more efficient and convenient. However, in 2018 or so, due to the popularity of blockchain and AI technology, digital factoring has been more concerned.

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Fond of conveni ence High adaptab ility Fragme nted Time Privacy conscio usness Global thinking

decentra lized wa y of thinking Frequent use of mobile phone

Internet aborigi nes

We Are a Digital Bank

is a full-stack digital bank that provides global digital financial services to younger users. Relying on a strong financial network and first- class technology infrastructure, the company provides users with 7x24 personalized digital banking services that can be put into their pockets and meet the diverse needs of users.

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Globa bal service ces Vario ious us choic ices

• f assets

Full ll stack k servic ice

Diversified market

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The members of CoinBank come from all over the world. People of different personalities, specialties and regions gather together and interact to generate interesting

• things. We share information and viewpoints, constantly

brainstorm and change the world.

50+ Staff 20+ 5 4

Cooperative Exchanges Coverage Areas Programing Languages

Business Model for COINBANK

COINBANK, a new digital banking service system loans currency exchange business security exchange cash business factoring credit check B2C messaging digital loans digital currency exchange business digital asset trading digital cash business digital factoring digital credit check C2C IM

Traditional Banking services Digital Banking services

VS

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High Low Risks

StableCoins fixed-term deposit interest rate Fixed-income wealth management/bonds Digital securities exchange Digital securities exchange Digital securities/capital exchange

COINBANK provides users with a full range of assets allocation services concerning digital assets. Allocate investment capital among various assets with different risk grade in accordance with the investment demand of users.

Application-type/platform-type digital assets investment

COINBANK Business Model -Assets Allocation

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Digital derivative investment Digital securities investment Fixed-income wealth management StableCoins fixed-term deposit

Income

Currency exchange business, with an average daily transaction volume of more than 2 trillion US dollars. And digital currency exchange business is

• ne of Coinbank’s main focus with

the aim to become the biggest the world's leading stable currency exchange trading platform, which provides safe trading environment for traders around the world.

COINBANK OTC, comparing with other OTCs, supports muti-payment tools, such as Epay and UnionPay International for users and it cooperates with excellent stable coin operation teams to provide marketing and security standard.

Business Model for COINBANK -Digital Currency OTC Business

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Users trade their digital assets via C2C on Coinbank, who provides various services, such as supervision of transactions, KYC of both parties and asset custody to make sure the safety

• f the trading process.

Business Model for COINBANK -Digital Cash transaction Service

API Diverse integration Merchant System fiat-crypto trading Lighting Processing Speed KYC

BTM is a blockchain powered teller machine, which support cash service, digital asset transaction and VISA card service in the future. It is developed by COINBANK team along with digital asset exchanges and international payment operators. Users can log on by smart phone, just a quick scan of QR code or NFC sensor to have the crypto to fiat service.

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COINBANK - Digital payment

E-Payments is one of the largest local and Chinese leading Mobile Payment service providers in New

• Zealand. It is authorized to offer the four of Chinese

leading payment platforms, AliPay, Best Pay, JD Pay, and WeChat Pay in China. E-Payments is a licensed company to provide cross-border payment services. Enterprise users of E-Payments

UKDE Limited is a financial technology group, focusing on such main businesses as digital finance and blockchain technology services. It aims at becoming a global digital financial service provider integrating blockchain technology services, digital asset trading services, digital financial settlement services and venture investment. UKDE has been approved by FCA to be an electronic money institution （ EMI ） and authorized to issue e-money and conduct payment clearing service.

Digital asset trading platform UKEX Digital currency payment CNUK

A Trading Service Platform Providing Fiat Currency Deposit/ Withdraw And Exchange Services For Global Digital Assets. A Global Digital Currency Payment And Settlement Platform. FULL-STACK BLOCKCHAIN DIGITAL BANK

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The lending process

Stable coin BTC or ETH as collateral

 Work with KGK, a one-hundred-year diamond processor.  The CEO of the Far East Development Fund, Russia will serve as Project Consultant.  Highly recognized by Russian Deputy Prime Minister Yuri Trutnev.

D1

Cases implemented

COINBANK will soon build a digital ecology for D1 and open up various scenarios such as transaction, payment and cash withdrawal for D1 in addition to operating D1 mortgage loan products.

Business Model for COINBANK -Digital Loans

• Users can pledge certain mainstream digital currencies to CoinBank.
• CoinBank will lend the user 65%-80% of the market value of pledged assets in the form of a stable digital currency

based on the user's digital credit rating.

• When the average price of the pledged digital currency falls below the warning line, the security mechanism will be
• triggered. At that time, the user will need to add deposit in the specified time, or return part of the stable digital asset

in advance to reduce the risk of leverage.

• If the user returns the asset within the specified time, the pledged mainstream digital currency will be released and

returned to the user.

Business Model for COINBANK–Digital Wealth

COINBANK and Digital Assets Transaction Platform BCEX jointly launched "BabyCoin Gift Giving" service. Support BTC and CK to be used. With USD and HKDT's participation, the whole operation process is of complete self-service, and users may easily take part in through the platform, which further accelerate the construction and layout of the global new eco-system of CoinBank. Through the blockchain intelligent contract, the BabyCoin Gift Giving service can effectively manage the assets of the merchants and users, and at the same time also requires the service provider to provide a certain amount of assets to the platform to be frozen and used as the reserve assets for gift giving and effectively participate in the assets rights and interests of users. With more digital assets teams and market quantification teams cooperating with COINBANK, the platform will have more service products with large-amount gift giving.

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Business Model for COINBANK - Digita Factoring

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COINBANK can provide Digital Factoring to sellers in the supply chain finance sector. COINBANK provides digital factoring services in supply chain finance. In such business model, suppliers selling its accounts receivable from commodity trade or service contracts to Coinbank, which provides integrated digital financial services, such as digital assets financing, buyer credit evaluation, account management and debt collection to improve cash flow and account receivable management of suppliers.

accounts receivable confirmation

digital factoring contract signed

selling accounts receivable

confirmation confirmation Suppliers Buyers CoinBank

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The COINBANK ecosystem plans to include nearly 20 exchanges in the worldwide. The 24x7 digital asset market results in huge trading volume which requires rapid transaction speed, minimum delay and high liquidity.

Business Model for COINBANK -Digital T ransaction

Business Model for COINBANK -C2C IM

Enormous data network Decentralized users Instant messaging High processing capacity Efficient financial services Crypto social experience Muti-assets wallet Efficient asset flow

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COINBANK adopts the internationally accepted KYC standard and customizes upon the specific regulatory requirements of different countries. And then various KYC standards are unified by Coinbank so that users are enabled with most smooth and efficient operations.

"Bank of Asia" CJSC was founded on 10 February 1998 and is registered as a subject of the Free economic zone "Bishkek". "Bank of Asia" is one of the few banks in the Kyrgyz Republic established with 100% participation of foreign capital. Since 2013 "Bank of Asia" CJSC is actively cooperating with the EBRD.

→ Transparent corporate governance and effective management → Professional and loyal team → Excellent financial performance

COINBANK & Banking System

• Involvement of deposits on its own behalf on contractual terms;
• Placement of own and/or raised funds on its own behalf on

contractual terms;

• Opening and maintaining accounts;
• Implementation of payments and settlements on behalf of customers

and correspondent banks and their cash servicing;

• Issue, purchase, payment, acceptance, storage and confirmation of

payment documents (checks, letters of credit, promissory notes and

• ther documents), including credit and payment cards;
• Acquisition of the right of claim from third parties for the fulfillment of
• bligations in cash (factoring);
• Payment of debt liability by buying promissory bills and bills of

exchange(forfeiting);

• Issue and placement of debt securities;
• Issuance of bank guarantees;
• Implementation of money transfers of customers, including without
• pening an account;
• Opening and maintenance of correspondent accounts for non-

resident banks of the Kyrgyz Republic;

• Carrying out of transactions of foreign currency accounts for

customers and for acquisition(exchange) of foreign currency on behalf

• f the client;
• Purchase and sale (exchange) of foreign currency on its own behalf;
• Making transaction with derivative financial instruments(derivatives);
• Receiving and make payments and settlements for goods and services

that are not the result of own activities, in favor of third parties through payment systems based on information technology andelectronic means and methods of making payments.BOA;

→ 19 years of local banking experience and sustainable development. → Cooperating with many international partners, such as EBRD, MEF, IFC, and Responsibility Investments AG etc.

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More cooperation is in progress……

COINBANK & Stable coin System

COINBANK is one of the digital banks which access to the largest number of stable coins.

The current balance

 The issuance of digital currency, trading information, cancellation of transaction and historical transaction information of digital currency can be queried on the chain.  The amount of digital assets and legal tender in the account is announced through the bank asset certificate and are regularly audited by independent institutions.  Digital currency in circulation (liabilities) is backed by the same or a larger number of digital assets or legal tender (assets). Users Deposit digital assets or legal tender into an escrow account Users’coinbank’s account generated Assets can be transfered, exchanged and stored by users through a coinbank wallet Users redeem mortgage assets after returning digital assets. Coinbank deposits equivalent amount of legal tender into users’ bank account

Dollar Area Japanese yen Area

T

• be continue …

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COINBANK & Stable coin System

CK.USD is a stable coin. Issued by Cascadia Blockchain Group, a Canadian listed company, CK.USD is now acquired by the CoinBank, currently known as CoinBank USD T

• ken,

and planned to move to the independent open source public chain developed by CoinBank. In COINBANK ecosystem, it will gain a variety of applications and become more diversified. Based on blockchain technology and digital asset applications, Anchor, CoinBank and

• ther

teams developed and issued HKDT, a stable coin. And they will integrate Coinbank’s global exchanges and banks ecosystem with Anchor’s large users group and experience

• f

user

• peration

to achieve

• verall

win-win development in the near future. GUSD is a StableCoin issued by Gemini, anchoring with US

• dollar. It combines credibility

and stability of US dollar, and technical strength

• f

cryptocurrency. Moreover, it also manifests the standard of American regulators. Based on ERC20, GUSD can be circulated

• n Ethereum.

USDCoin issued by a Blockchain Financial company Circle in May

• f 2018 as a StableCoin. Circle's

ecosystem is tremendous. This February, Circle announced to acquire Poloniex, T

• p 3 Digital

exchange in Globe, with 400 million dollars. Currently, Poloniex provides more than 70 kinds of cryptocurrencies to exchange. Daily volume

• f

transactions reach up to 300 million dollars.

More cooperation is in progress……

HKDT

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COINBANK & Storage and Management System

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Quick Liquidation Capability Real-Time Exchange / Payment Asset Custody Center

CoinBank's global storage and management system uses the underlying technical services provided by EXAS. EXAS supports many application scenarios access and provides specialized functional modules for different application scenarios, which can satisfy the diversified development of CoinBank in the future to the greatest extent. In the aspect of assets custody, EXAS integrates many years' experience of the exchange industry into the basic services of assets custody.

Global Matching Center Shared Depth Exchange Alliance Central QuantitativeTransaction Global Liquidity

Competitive advantages 01

Comple lete te Digita ital l Servic ice Infrast astructu ture

During the bear market, users generally shift from high-risk and high-return investment channels to stable and bottom-preserving investment channels, preferring to choose large platforms with brand, perfect layout and high circulation conversion. COINBANK uses this time window to speed up the layout, and has formed a complete ecosystem that integrates assets issue terminal (StableCoins), assets deposit and withdrawal terminal (bank, ATM) assets transaction terminal (exchange, OTC, payment), triggering user needs at multiple points, and forming a complete closed-loop user experience.

02 03 04

COINBANK main network upgrade, compatible with more existing protocols with more interfaces. The updated CNET main network has used a more rigorous strong UTXO accounting model, which is suitable for digital financial scenarios with rigorous requirements such as digital assets, stable assets and STO, and the new main network also uses the original multi-asset model and designs a targeted instruction system. The COINBANK team is led by senior Wall Street financiers, composed of post-98 community

• perators and many professionals from the financial field and the blockchain field. On average, the

personnel in the blockchain field have more than four years of experience related to digital operation or technology R&D. The team has strong interoperability and crossover ability and is highly complementary. Integration of stock quotation manipulation with market acuity. COINBANK has an internationalized team of shareholders and consultants, including overseas funds, StableCoins institutions, listed companies, media groups, exchanges and so on. Diversified background

• f shareholders and consultants will bring strategic synergy to COINBANK in many aspects, which is a strong

guarantee for COINBANK to enter the international market and achieve leading advantages. FULL-STACK BLOCKCHAIN DIGITAL BANK

Leadi ding ng T echn hnol

• log
• gy/

y/Hig igh h Safety ty Compound

• und team has

rich h operat atio iona nal l experienc ience Powerful ul shar areholde holders and partne ners

Our T eam Members

Andrew Yong CEO

Worked for Morgan Stanley and GE Capital, who was engaged in IPO listing and M&As deals , and has years of experience in investment banking and c a p i t a l m a r k e t s .

Adam Cai NA CEO

Years of experience in international finance, including international inter-bank capital markets, hedge funds and listed blockchain enterprises, currently serving as NA C E O

• f

C o i n B a n k .

Dong Kuai CCO

Co-founder, with four years

• f experience in using digital

money, had run game communities with hundreds

• f

t h o u s a n d p e o p l e independently at the age of 16, and is one of entre- preneurs born after 1998.

FanKe Meng CTO

S e n i o r d e v e l o p e r

• f

blockchain, with eight years of experience in developing d i g i t a l c u r r e n c y a n d blockchain technology, has h e lpe d m an y te am s to complete the R&D and model design of digital currency.

Jack Gu OD Director

Master of Macquarie Applied Finance, former Chief Investment Officer

• f Hyper Fund, with many

years of experience in fund management and venture capital, CFA level 3 .

We are confident in the goals we want to achieve and keep moving forward.

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Strategic advisors

Danny Deng

Chairman, Taiyi Cloud

Alexei Chekunkov

Far East Dev Fund CEO

Hogi Hyun

D1 Founder Director

Shousong Zhang

Founder, Btctrade

Feng Wang

Founder, Mars Finance

Zhiwei Liu

CEO, Oriental Patron

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The total transaction volume and active user number in the CoinBank ecosystem are rising steadily, and through years of infrastructure and recyclable development strategies, it keeps moving forward even during the bear market.

48

billion Transaction Volume in Total

2.6

million Registered User

100+

Supportive Currencies

Month 1 Month 2 Month 3 Month 4 Month 5 Month 6 Month 7 Month 8

We Are CoinBank

Joint development makes us one of the fastest growing digital banks in the world.

30

billion

COINBANK Cycle Development

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Year 2018

COINBANK Global Layout

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Coinbank plans to build presence in over 30 countries around the global

Canada Division

（North America）

Cambodia Division

（Eastern Asia）

Hongkong Division

（Great China Region）

Kazakhstan Division

（Middle Asia）

UK division

（Eastern Europe）

Project Milestone

2018 08 2018 10 2018 11

− Establishment of COINBANK. − Launch of Website. − Achieve cooperation with CKUSD, GUSD and GEMINI. − Link more than 20 exchanges globally. − Launch in New York for the layout in North America. − Launch of CoinBank App 1.0. − Achieve cooperation with Diamond D1 and meet with Russian Deputy Prime Minister. − Lay out in the Japanese market and meet with Yukio Hatoyama. − Achieve cooperation with UKED and E-PAYMENTS. − Launch BabyCoin Gift Giving with BCEX. − Complete link exchange and major network upgrading.

2019 Q1 2019 Q2 2019 Q3

− Link multi-regional StableCoins. − Establish COINBANK Fund. − Global custodian bank cooperation. − BTM multi-regional implementation − Mobile terminal products upgrading − Wallet upgrading − Link global Tier 1 Exchange − Achieve cooperation with VISA card − T

• Be Continue

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2018 12

Profit-making mode

Stage 1: Complete infrastructure, online and offline users/funds flow closed-loop, multi-point charge C-terminal services/procedures fees Stage 2: Form user aggregation effect, attract B-terminal service agencies to access the platform, expand the ecosystem, and further lower the cost of user acquisition OTC trans ansact ction ion charges es ATM deposit posit and withdrawa rawal l charges es Onlin ine e transf sfer /payme yment charge ges Incom

• me

e from

• m lendin

ding VISA card activ ivatin ing g charge ges Exchange ge access ess fee ees Stable bleCoin

• ins

access ess fee ees Financia ial l instit itution ion access ess fee ees Infor forma matio ion and news s rele lease se as proxy xy Compli mpliance, ce, audit it and

• ther

er thir ird-par party y ser ervices ices

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Our Media Communication

From Oct. to Nov. CoinBank was reported for 26 times by media, more than 80% of which were written and reported by third parties. Three languages were adopted for the information communication used: Chinese, Japanese and English. Strategic Cooperative Media:

50+

Media Coverage

10+ 10+ 3

Media Docking Enterprises Participation in Activities Language Coverage

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Business partner

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Cascadia Blockchain Group