ALPHACRYPT

ABOUT ALPHACRYPT

Alphacrypt is a new cryptocurrency which aims to become the best alternative to current popular coins such as Bitcoin or Ethereum.
It is digital public money created by complex mathematical computations and validated by millions of computer users.
Alphacrypt-Coins are digital coins which you can store on your computer drive, smartphone or hardware wallet.
Once you own Alphacrypt-Coins, they behave like FIAT. They possess value and can be traded like stocks in popular exchanges. In the future you‘ll be able to use them to purchase goods and services. We are also in the funnel to provide debit cards.
The Alphacrypt-Coin has been created by an expert team of bankers and traders from major financial institutions. We´ve realized that the financial transactions in the world are going to be revolutionized by cryptocurrencies and blockchain technology.
Based on this analysis we‘ve built a tech and financial team to create a blockchain platform to make worldwide financial transactions faster, cheaper and more reliable.
Our team consists exclusively of professionals who have come together due to many years of business relations. Now together they use their knowledge in the revolutionization of the project Alphacrypt.
The goal is to create financial independence with little effort in a short time and to bypass the common risky methods.
With the team‘s know-how, we have succeeded in creating a platform for investors who can think outside the box and sustainably influence the future of the crypto-currency market.


PROBLEM

The traditional banking industry established more than 600 years ago and is not able to solve the outstanding credit gap!
Both are responsible- banks and small businesses. The banks are responsible for cherry picking and mostly working with less risky and larger businesses due to low risk tolerance of traditional finance
industry.
As there are so many legacy solutions in the banking industry, mostly inflexible and standardized terms are used. It is very costly for banks to serve each individual customer. Thus banks are trying to maximize their income from each individual business case by working on larger business cases.
Also the abundance of local banks where a fellow banker would be familiar with a local business is a thing of the past.
Only in the US individual banks have been reduced by two-thirds in the last 30 years. Such decline of individual banks can be explained by centralization that brings more internal regulations and centralized processes.
This fact makes it harder for banks to serve small, local companies. Good financial management is rarely a core strength of a small business.
Actually accessing external finance is often named as the poorest area of expertise. The industry that has taken the challenge to solve the problem. It is often referred to as ‘alternative finance’.
As the name itself suggests, alternative finance is when someone borrows money or sells equity, choosing an option to go a non-traditional, noninstitutional route. Alternative finance is an umbrella term for various financing options such as peer to-peer lending, crowdfunding, balance-sheet lending,
invoice trading, supply chain finance, reverse factoring, merchant loans, VAT financing,etc. No single institution, company, or regulator covers all business spheres in alternative finance.


ALPHACRYPT AS A SOLUTION

According to the problem, Alphacrypt was interested in a professional and long-term solution that believes in the future of a loose funding and investment opportunity.
Such alternative finance services usually ensure initial access to financing for SMEs by providing services and financing when traditional banks would not participate.
In long term financing received via alternative finance services, SMEs are allowed to grow and become bankable. But that also means opportunities in maximizing capital for private investors. Flexibility is the key, but a great deal of the business essence also comes from the effectiveness of online operations and the idea of crowdsourcing.
Another reason why alternative finance is booming might be that investors have grown educated. for this reason it´s enough to be unhappy with allowing banks to earn on their money and pay out only marginal interest rates. Many people feel it is worthwhile to get connected with borrowers directly.
Last but not the least unlike traditional institutions who do much of the work manually and do not share data concerning the risk assessment alternative financiers are highly automated and interconnected which gives them an additional competitive advantage.


HOW ALPHACRYPT WORKS

> Globalization of available capital
Partly the geographical mismatch is being solved by many alternative finance companies especially marketplaces and P2P platforms. However, many of them operate in a single or limited market. Because of our professional experience we have understood that different steps in the financing process are often very specific.
Therefore it is urgently necessary to make decentralization possible in terms of of blockchain technology. Our solution minimizes the existing credit gap.
This process requires three main features:
• Trust
• a complete end to end financing process
• a structure that promotes exponential growth.

Global problems require global solutions that we can generate by using blockchain technology. Blockchain by design allows to ensure ultimate transparency and trust, allows to automate processes by using smart contracts and its decentralized nature allows for exponential growth of the number of members within any blockchain based solution.
Lending money is all about trust and its mechanical gears such as collateral, quantified reputation, and fear of punishment. Born in already well-established societies, we take the existing business trust culture for granted; we rarely doubt its basics and address the quantitative measurements of business friction costs. 
However, to solve global credit gap – we should mostly operate in younger countries where business trust is not granted. Using trust based blockchain solution Alphacrypt ensures needed trust for all counterparties, especially investors, to operate within the ecosystem. As Alphacrypt is an initial market maker and facilitator for solving worldwide credit gap by connecting SMEs with global investors who can rely on service provided by local or regional counterparties, i.e., verification, risk assessment, insurance and debt collection. It´s possible to attract global investors to distribute their available capital as well as attract SMEs to borrow and finance their growth. We believe that this is the only way to ensure fast, efficient and stable global growth of Alphacrypt.
As time passes by, it is believed that stages of financing process will become fully automated, for example using artificial intelligence solutions, machine learning algorithms and similar. To be ready for such development Alphacrypt will provide public APIs for all smart contract types in the ecosystem.
Alphacrypt requires strong architectural design and bullet proof technical implementation to ensure successful launch and usability of the Network.

> Infrastructure
Alphacrypt is a comprehensive middleware with it´s core running on Ethereum blockchain and a number of gateways ready to incorporate counterparties who run other standards of distributed applications. Since Alphacrypt does not incorporate its own consensus mechanism, it´s attack to sensitive data resistance and fault tolerance are equal to those of Ethereum’s. For the same reason, the system has no internal common mode failure problem.

> Token economy
To understand if a Alphacrypt token is sufficiently likely to gain value over time after the Crowdsale, it is important to apprehend the token economy within the Alphacrypt ecosystem.

> Alphacrypt token (ALC)
The goal is to create a fast growing, trusted, self-governed and global business financing ecosystem. A Network, that is built around its members and employs single ecosystem’s cryptocurrency. Alphacrypt token to pay for all the services rendered. Only those having Alphacrypt token will be able to purchase various services via the Network.
Based on experience most investors, especially the largest ones or institutional ones, are keen to stay in the ecosystem for a long term. Service providers seeing profitable business opportunity will also stay in the ecosystem for a long term. Borrowers are twofold: SMEs will stay for a short to medium term as they are expected to grow stronger and become ‘bankable’ and move to cheaper financing options; while organizational borrowers (operators) should be keen to stay for a long term. Thus we believe that as Alphacrypt grows, more and more members will join using Alphacrypt token simultaneously, hence we should see the demand in a point of time increase – increasing the value of the token. Moreover, the members of the ecosystem and Alphacrypt broader community noticing the increase in the value of the token.
There are many places for different actors to make money on the ecosystem, communities’ leaders can earn from growing and looking after the community, investors can earn interest on loans provided, SMEs can gain access to loans needed for growth.
Alphacrypt will ensure trust arbitrage smart contract and will be able to participate in the whole ecosystem.


ALPHACRYPT TEAM

Due to notoriety in the financial segment, Alphacrypt decided to publish the names and complete CVs after the last ICO round. Alphacrypt wants to remain anonymous to allow all investors the same opportunities and not to stimulate token purchases in the background. Furthermore, because of the notoriety, Alphacrypt do not want to prevent anyone from participating. Alphacrypt wants to avoid false envy and to assure the project´s full potential for development. Hopefully that there will be understanding of this decision, especially because some of Alphacrypt team are still engaged in their current service relationships. Alphacrypt tries to give the community a certain clue about the expertise with our partial CVs as follows:
Founder
He is an experienced asset manager who started developing algorithmic strategies more than 10 years ago. He completed his masters degree in Economics and his Ph.D. in Finance at the Oxford University.

Co-Founder
The mastermind architect of “Alpacrypt” technology. A blockchain geek. Chief Data Officer and Blockchain Developer He is a strategy and banking IT professional. Through his time as project
manager he proved deep expertise in implementing technology projects.

Chief Marketing Officer
She is CMO of Alpacrypt. After completing her studies in economics, she was drawn to the advertising industry, where she has been working for more than 12 years for several wellregarded agencies.

Chief Finance Officer
Our CFO received his MBA from the University of Cambridge. Since then he has been an expert when it comes to loans, financing and investments. His ultimate goal is to use the Alphacrypt project to set up the crown for his career.

Chief Risk Manager
Our CRM has also studied in Britain. He got his MBA from the University of Oxford and can look back on a long-standing career with various projects in the area of investment banking and real estate. Now he is looking forward to his last big project with Alphacrypt.


ROADMAP

ICO DETAIL

Pre-Sale	Price	Amount
May 3, 2018	$0.30	2.125.000 token

1st round May 5, 2018	$0.60	2.125.000 token
2nd round May 6, 2018	$0.70	2.125.000 token
3rd round May 7, 2018	$0.80	2.125.000 token
4th round May 8, 2018	$0.90	2.125.000 token
5th round May 9, 2018	$1.00	2.125.000 token

Token name	Alphacrypt
Token symbol	ALC
Log	ERC20
Total amount	15.000.000 token
Interest rate Algorithm	ACA 2.01.
State	01.04.2018

TERMS & CONDITIONS

The following Terms & Conditions govern the sale of Alphacrypt cryptographic tokens. This document describes the initial sale in which the Alphacrypt token is sold. It is not a solicitation for investment and does not pertain in any way to an offering of securities in any jurisdiction.

Individuals, businesses, and other organizations should carefully weigh the risks, costs, and benefits of acquiring Alphacrypt early in the initial sale versus waiting to purchase Alphacrypt on open, third-party exchanges.

IMPORTANT

Ownership of Alphacrypt carries no rights express or implied. Purchases of Alphacrypt are non-refundable. Purchasers should have no expectation of influence over governance of Alphacrypt. By participating in the sale of Alphacrypt, you expressly acknowledge and represent that you have carefully reviewed the terms and fully understand the risks, costs, and benefits of purchasing Alphacrypt and agree to be bound by these terms. As set forth below, you further represent and warrant that, to the extent permitted by law, you are authorized to purchase Alphacrypt in your relevant jurisdiction, are of a legal age to be bound by these terms, and will not hold liable for any losses or any special, incidental, or consequential damages arising out of, or in any way connected to the sale of Alphacrypt, now or in the future, Alphacrypt.

WARNING: Do not purchase Alphacrypt if you are not an expert in dealing with cryptographic and blockchain-based technology.

Purchases of Alphacrypt should be undertaken only by individuals, entities, or companies that have significant experience with, and understanding of, the usage and intricacies of cryptographic tokens and blockchain- based software systems.

Terms & Conditions

Purchasers should have functional understanding of storage and transmission mechanisms associated with other cryptographic tokens. While Alphacrypt will be available to assist purchasers of Alphacrypt during and after the sale, the Alphacrypt will not be responsible for lost ETH or Alphacrypt tokens resulting from actions taken by or omitted by purchasers. Note, that Alphacrypt

purchasers should take great care to write down their wallet password and not lose it so as to be sure that they will be able to access their Alphacrypt when it becomes available after the initial sale. If you do not have such experience or expertise, then you should not purchase Alphacrypt or participate in the pre-sale of Alphacrypt.

WARNING: Cryptographic tokens may experience extreme price volatility.

Alphacrypt tokens do not represent any formal or legally binding investment. Cryptographic tokens that possess value in public markets, such as ETH, have demonstrated extreme fluctuations in price over short periods of time on a regular basis. A purchaser of Alphacrypt should be prepared to expect similar fluctuations, both down and up, in the price of Alphacrypt denominated in ETH. Such fluctuations are due to market forces and represent changes in the balance of supply and demand. Alphacrypt cannot and does not guarantee market liquidity for Alphacrypt and therefore there may be periods of time in which Alphacrypt is difficult to buy. Additionally, due to different regulatory dictates in different jurisdictions and the inability of citizens of certain countries to open accounts at exchanges located anywhere in the world, the liquidity of Alphacrypt may be markedly different in different countries and this would likely be reflected in significant price discrepancies. By purchasing Alphacrypt, you expressly acknowledge and represent that you fully understand that Alphacrypt may experience volatility in pricing and will not seek to hold any of the Alphacrypt Parties liable for any losses or any special, incidental, or consequential damages arising from, or in any way connected to, the sale of Alphacrypt.

WARNING: Purchasing Alphacrypt entails a number of risks.

The purchase of Alphacrypt carries with it a number of risks. Prior to purchasing Alphacrypt, you should carefully consider the risks listed below and, to the extent necessary, consult an appropriate lawyer, accountant, or tax professional. If  any of the following risks are unacceptable to you, you should not purchase Alphacrypt. By purchasing Alphacrypt, and to the extent permitted by law, you are agreeing not to hold any of the Alphacrypt Parties liable for any losses or any special, incidental, or consequential damages arising from, or in any way connected, to the sale of Alphacrypt, 

DETAIL INFORMATION ABOUT ALPHACRYPT:

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