Cryptocurrency Bank

https://datarius.io/

The Datarius project is a new, social-type cryptobank with transparent conditions. In cryptobanking industry, Datarius will become the first financial institution capable of ofering its customers a full range of financial services implemented within a decentralized system.
The uniqueness of Datarius Cryptobank is that the project allows customers to get services, adapted to their needs.
Datarius will operate on the basis of P2P ecosystem (peer-to-peer), where transaction participants are private users, and not banking institutions.
This is not a novelty in the financial market, but system o¬ered by Datarius inherited best traits from traditional banking products, adapting them to the principles of decentralized system operation.

Currency transactions – automatic/internal exchange
3 different types of lending
Investment programmes
Demand deposits
Intrasystem card products
Credit score will be calculated with their new sophisticated algorithm, which is based on existing data. As the platform is built on Ethereum network, it is offering features such as smart contracts and ERC compatible DTRC tokens which will be available through the crowd sale.
With all the benefits and lower fees compared to the others, Datarius is putting a strong challenge in front of the competition.

ABOUT US

Datarius cryptobank is a decentralized partially closed system.

As a P2P platform, the system enables users to decide themselves whether to use any of variable services and applications. This in turn allows to almost completely reduce transaction costs.

Datarius serves as a direct link between lenders, borrowers, and the related services – managers, analysts, insurance companies, funds, trading terminals.

To provide a high level of automation, which will help overcome the classic stereotypeness of both the system and services, and communication with the consumer. To socialize the fintech product through open comments on participants and transactions, through “people’s” ratings and trust limits. To get away from the annoying imposing of the product line. To stand with the customer and to provide an active and competent participant with the opportunity to earn profit along with the project through special functions, co-branding and partner programmes. To become open and transparent in everything.

We want to demonstrate by our own example that the decentralization and lack of boundaries are benefits, and that a financial company can and shall be a partner, a guide and a friend.

What Do We Do?

Our main task is to provide people from all over the world with a free and equal access to the maximum number of financial products. Our primary mission is to create an entirely new transparent financial product. To provide a customer with clear tools and greater opportunities. To ensure freedom of choice and action.

Our Advantages:

the most complete set of financial tools: Currency Transactions (automatic exchange / internal exchange / TOP exchange gateways), Direct Lending (3 options), Investment Programmes (2 options), Credits for SMEs, Demand Deposits, Intrasystem Card Products (both direct – inside the intrasystem unit, and gateway through partner companies);
a completely new approach to the credit scoring through the new unique algorithms, based on already existing data received from partner companies;
internal users’ accounts are duplicated by real physical accounts that further widen opportunities for the period of the blockchain economy development;
enhanced integration of links between cryptocurrency and fiat, including the integration of instant transfer systems;
unique verification methods combined with already existing blockchain projects in this segment;
a trust limit system with the opportunity to set a limit for a particular user / group / all users according to the pre-defined criteria, which makes the system even more social.

Distribution of DTRC tokens

Following Datarius basic principles on sociality and formation of the system, its participants developed
following concept:
73% will be available to all interested backers during the entire ITO campaign from 9.12.2017
(pre-sale). Personal tokens will be emitted in real time in the amount relevant to the specific period
of the ITO campaign. During the main ITO round tokens will be frozen. This restriction will be lifted at
the end of the round.
Service tokens will be emitted and allocated to special wallets upon the ITO completion. These
tokens will be distributed between the service wallets in proportion of the shares, according to the

distribution structure:

application for DPL license;
formation of team core;
preliminary search of partners;
model description;
beginning of works on reference terms development;
development of pre-alpha version of user interfaces;
PR and marketing strategies.
To launch Datarius project in the shortest possible time and to provide full-featured product for
customers with maximum set of instruments, that fully meets the needs of market participants,
Datarius ITO campaign is divided into several stages:

INITIAL TOKEN OFFERING

Stage objectives — identification and implementation of future functional and initial set of instruments of Datarius ecosystem, as well as:

completing the team with additional personnel;
prototype development;
project launch;
wide PR and marketing campaigns;
access to exchanges;
conclusion of key agreements with partners;
dynamic expansion.

DTRC Token

— IS A UNIQUE ACCESS KEY AND THE ONLY TOOL FOR PARTICIPATING IN THE DATARIUS DECENTRALIZED CRYPTOBANK SYSTEM

A range of financial products is formed in particular by the DTRC token holders that are directly engaged in the development of the company through intangible contributions. The purchased tokens entitle active holders to receive 65% of the fees and charges collected by the Datarius cryptobank. The amount shall be distributed annually starting from 2019, in proportion to the number of the token holders.

Integration of Biometric Authorization

Biometric authentication devices are a simple and eective way to protect your account from hacking.
It is necessary to conclude large contracts with suppliers of corresponding devices for introduction of
biometric authorization, and conduct serious technical work. As a result, each customer of Datarius
gets the opportunity to order a device that can be used for authorization in the system and
transaction confirmation.
User no longer needs to remember long passwords and think about their keeping – biometric
authentication combines a high level of security and ease of daily use.
Opening of Gateway to World's Cryptocurrency Exchange
Cryptocurrency is becoming an increasingly popular tool for speculation and long-term investment.
According to assessments of analyst and founder of Standpoint Research investment company, Mr.
Ronnie Moas, total capitalization of cryptocurrency market will reach $2 trillion in the next 10 years.
According to the data of coinmarketcap.com portal, the amount of transactions on cryptocurrency
exchanges is already estimated in billions of dollars.
Usage of traditional cryptocurrency exchanges may not be very convenient for the user:
complex multi-level verification;
absence of necessary cryptocurrency pairs on a particular exchange;
problems with withdrawal of fiat currency;
dificulty of earning on the dierence of exchange rates on various exchanges.
The last point is relevant in periods of high volatility: for example, the exchange rate dierence in the
period of the boom of Chinese exchanges has reached 15%. Even in a quiet time for the market, a
sharp rise in the price of a certain cryptocurrency is accompanied by an increase in the exchange rate
diference between individual exchanges.
Datarius gives its customers the opportunity to send requests to major cryptocurrency exchanges
instantly. Technically this is realized by registering our own or partner's account on exchanges, on
whose behalf all transactions are conducted. Once user creates an application on the internal Datarius
exchange, his application is automatically placed on the cryptocurrency exchange through its API.

Within the limits set, users will have the opportunity for trade and exchange arbitrage. Our algorithms
will independently select variants with the most attractive exchange rate dierence and oer users
the possibility of simultaneously close opposite deals.

Fixed Cryptochecks

With cryptochecks, users transfer assets between their accounts using special codes. Each code
corresponds to a certain amount frozen on account of a particular user.
The best-known way to implement cryptochecks were btc-e exchange codes, which allowed freezing
bitcoins on user's balance and transferred them to the balance of another participant of the system at
their request. Datarius also uses codes to transfer checks, expanding scenarios for their use.
Unlike btc-e, checks in the Datarius can be denominated in any fiat currency or cryptocurrency, which
greatly simplifies freezing of funds for a long period. User can create three types of checks: personal,
nameless and with limited access.
A personal check can be paid only at a pre-specified address, whereas an unnamed one can be used by
any person. Checks with limited access can be redeemed for a pre-determined list of wallets without
limiting their number. The user who received check code can verify its validity, find out the frozen
amount and pay oF the check.

Introduction of Artificial Intelligence

Usage of machine learning integrated with Big Data makes it possible to oer customers the most
relevant services and to track suspicious operations in the system by conducting an eective analysis
of user behavioral patterns.
Let's get familiar with main tasks that are solved by artificial intelligence in Datarius system.
Fighting fraud (anti-fraud). Automated system for tracking suspicious transactions makes it possible
to identify unreliable users with high probability, to suppress attempts at fraud and artificial rating
raising, and also protects the system from mass registrations. In case of doubt, the system is capable
of independent analyzing of incoming information and requesting additional data from users. In
addition to information collected in automatic mode, the system can be guided by additional data
received from operators.

Conclusion

Datarius team is grateful for your enthusiasm towards this project, and this presentation file. We will be happy to address your every question.
Our main goal is to provide people from all over the world with unobstructed and fair access to maximum amount of financial products. Our mission is to create brand new transparent financial product with easy to use and understand tools that provide broadest capabilities. To grant the freedom to choose and act. To ensure high automatization level, that might eradiate classical templatish nature of both the system and its services as well as communication with clients.
To socialize fintech-based products by means of open comment threads associated with participants and deals, through ìcommunityî ratings and loyalty limits. Steer away from annoying forced product range. To stick to the client and allow for active and competent members to make profits in association with the project through a set of special functions, co-branding and partnership programs. To become transparent and accessible in every aspect.
We will show you that decentralization and absence of borders can only yield positive results, and that financial company can and will be a partner, a guide and a friend for its clients.