• The market of today is experiencing a drastic shift from the traditional settings to the modern, which is the Internet-based market. In the e-market, transactions are carried out in similarity to the traditional setting, only that the payment and item selection methods are quite different.
    In terms of payment, a lot of transactions are made with the use of state-defined currencies, such as Dollars, Pounds, Euros, Naira, etc. Which involves the use of the e-banking system. Of recent, there seems to be a revolution in the required currency for exchange on the e-market. The development of an alternative currency that is based on cryptographic algorithms has experienced tremendous support in its few years of existence. This currency is known as Cryptocoin or Crypto-currency (Short for Cryptographic coin or currency). As at the point of preparing this paper; A Bitcoin, which is the first crypto-coin; has a market value of $7,346.68 (US Dollars).
    Unlike other state-defined currency, the crypto-currency is open to individuals for its creation and value-appreciation strategy. As a program-based currency, some platforms have been created to aid the creation of such currency with one of the most recommended, known as Ethereum.
    IBISCOIN (IIC) as a coin, is here to partake in this fast-growing and efficient market. Architecturally, IIC Coin is created from the Ethereum development framework. The coin is based on the ERC20 Standard which is the criteria needed for the placement of our coin on the Ethereum network, thereby having access to the available features provided by Ethereum. Ethereum is the largest and most well-established, open-ended decentralized software platform that enables smart contracts and Distributed Applications (Apps) to be built and run without any downtime, fraud, control or interference from a third party.


    States defined currencies had been the only medium used for financial transactions, its rigid nature, centralized system, enclosed controls, unavailability, exchange rates and lots more had always been a thing of concern for global investors.
    In 2009, a solution to these problems was provided with the introduction of a cryptographic currency. This cryptographic currency (popularly called cryptocurrency) is a digital asset designed to work as a medium of exchange using cryptography to secure the transactions and to control the creation of additional units of the currency. Smart investors gave it a good grasp by not just using this alternative currency but investing in the market itself.
    Just in few years, the system has experienced a sporadic growth such that it now has over 1000 decentralized currencies and it free, transparent and distributed ledger system, makes it a comfortable marketplace for global investors of today.

    This technology has also grown so large that it looks forward to eliminating the traditional state currencies. As of June 2017, the total market capitalization of cryptocurrencies was over 100 billion USD and it recorded high daily volumes of over 6 billion USD.
    Do you know that the value of your cryptocurrency can be increased individually, without having to wait for its general appreciation?
    Triple-digit growth, amazing risk-reward ratios, and promising global perspectives are only a few reasons why cryptocurrencies shouldn’t be overlooked by any investor who’s willing to diversify his/her portfolio and profit from opportunities offered by a booming market or economy.



    Our core objective is to offer lending services to investors in the crypto-market. This is aimed at providing more available resources in the market base and giving more value to our investor’s currencies by repaying the lent currency with not just an interest but an attractive one.
    Our market structure is well planned such that its sustenance is guaranteed as this tends to be a problem of even the traditional lending platforms.


    In order to keep track of all our transactions, we are to make use of a distributed ledger system known as the blockchain. It also used to create our c urrency as our block managers will generate our coins base on the successful update of the ledger system.


    Payoneer is a financial services company that provides online money transfer and digital payment services. Payoneer account holders can send and receive funds into their bank account, Payoneer e-wallet, or onto a re-loadable prepaid MasterCard debit card that can be used online or at pointof-sale. The company specializes in facilitating cross-border B2B payments. Payoneer is a registered Member Service Provider (MSP) of MasterCard Incorporated and its headquarter is situated in New York City.
    Payoneer has roughly four million users in more than 200 countries and territories and provides cross-border transactions in more than 150 local currencies utilizing its banking network around the world to make local bank transfers.
    Also, a provision of credit card will be made for all users or investors who choose to have one. An existing Payoneer user will be simply integrated without having to create a new account.
    This platform integration will not just make our investors’ transaction simpler and secured but expand the crypto-market into a bigger financial environment by increasing the acceptance rate and smoothening the institutional differences.
    The integration of this financial framework with our system is targeted towards providing a more flexible and accessible service. With the creation of an account with this platform, our investors will be able to get their funds on a daily basis in US Dollars without going through the rigorous stress of currency exchange or conversion.


    The worldwide market volume for online hotel bookings alone is estimated to exceed $100 billion in 2016, with package holidays and vacation rentals such as Airbnb adding another $75 billion in annual revenues, according to Statista’s Digital Market Outlook.
    It was also reported that the global revenue for the total online travel booking segment is US$178.8 billion in 2016, which is expected to grow to $288 billion by 2021.
    The report looks into three categories: hotels, vacation rentals and package holidays. It excludes price comparison and recommendation websites without a check-out process and offline travel booking by telephone or at a travel agent’s office.
    Our platform seeks to integrate hotel reservation services into our system thereby, giving our customers the benefits of convenience, access to a wider range of deals, more supporting content and the ability to easily compare our discounted prices.


    Still in the bid to make our investors have total control of their funds in the most simplified and secured manner and increase the scope of our income. One of our future objectives is to set up our ATM (Automated Teller Machine) that will be used by our investors as well as others for to perform financial transactions, particularly cash withdrawal, without the need for any conversion.

    One may wonder why we intend to invest in the ATM market, the remains that we seek to make our investors more comfortable as well increase our income.
    Analysts anticipate ATMs will become even more popular and forecast an increase in the number of ATM withdrawals. ATMs of the future are likely to be full-service terminals instead of or in addition to traditional bank tellers. It was also reported that the ATM market is expected to garner $21.9 billion by 2020, registering a CAGR (Compound Annual Growth Rate) of 7.7% during the forecast period 2015-2020.
    Our cardholders can use these ATMs at no charge, but accessing funds through a unit owned by a different institution incur a small fee thereby generating income for our platform.
    The initial setup-points of our ATM will be in Europe, which will be further distributed across the world as time progresses.


    In this section, we will be clearly presenting some of the income opportunities designed for our investors or stakeholders.


    This involves the returns gotten from the amount that was lent to our platform. The interest rate is dependent on the amount invested and the investment plan that was used. Our lending plans have the provision of returning 50% monthly interest. Also, our investors are given the freedom to access their funds on daily basis as well as withdraw even the capital after the lending period.

    Daily Interest based on Interest Software of the Site


    Coin Staking just requires our stakeholders to lock up their coins for some period of time (i.e. can’t spend the coins), which is managed by our proof-of-stake System (POS). Our stakeholders will make profits from just this process base on the rising price of the currency over the investment period. Our coin staking plan is designed to offer up to 10% monthly returns on staked coins to investors.


    This investment option can be used to profit from price fluctuation of our Coin. Our investors can buy these coins at a lower price and sell them at a higher price. This can also generate profits from any downward movements experienced in our coin price, by buying more coins at cheaper rates and resell at the point of increase.


    This is mainly for investors who are interested in updating our blockchain, this is needed for confirmation of transactions and backups. Those involved in this process are rewarded with our coin upon every block of transaction that is successfully added, this will also be monitored by our proof-of-work (PoW) system.


    The profit generated from the invitation of other users to our platform is attractive, instant and proportional to referral initial investment.


    Our users also have some attractive tokens to gain upon the promotion of our web platform and wallet as referral commission will be directly paid.


    Participation in this doesn’t make so much money, but it’s extremely easy: you can earn some tokens from allowing our banners and text Ads to be displayed and opened on your device or platform-end.

    POW/POS (Proof of work/ Proof of stake)

    ERC-20 Empowers Developers
    Contract Address:0x16662F73dF3e79e54c6c5938b4313f92C524C120
    Decimal: 18
    Token name: ibiscoin
    Symbol: IIC
    Swarm Source: bzzr://dde1e4ded67e37972854a1153f949b11e036435af1c804285c47ab76d0415f57
    Contract Source Code Verified by Ethereum blockchain
    In short, the ERC-20 defines a common list of rules for all Ethereum tokens to follow, meaning that this particular token empowers developers of all types to accurately predict how new tokens will function within the larger Ethereum system. The impact that ERC-20 therefore has on developers is massive, as projects do not need to be redone each time a new token is released. Rather, they are designed to be compatible with new tokens, provided those tokens adhere to the rules. Developers of new tokens have by-and-large observed the ERC-20 rules, meaning that most of the tokens released through Ethereum initial coin offerings are ERC-20 compliant.


    The widespread of cryptocurrency has been significantly fueled by start-up funds raised via ICO (Initial Coin Offering). ICO is a means by which initial funds are raised for a new cryptocurrency
    venture, it is used by startups to bypass the rigorous and regulated capital-raising process required by venture capitalists or banks.
    With the very big rise of crypto-currencies and blockchain technology, new opportunities are arising in the field of investment. Crypto markets are borderless, open 24/7, and offer huge potentials for growth. The rapid growth of initial coin offerings (ICO) has led to more than 1000 new cryptocurrencies being created, which are traded on daily basis. And they do provide amazing returns.
    IBISCOIN seeks to build a platform that will follow the price movements of the top 20 largest mined digital currencies. Additionally, it seeks to provide a highly valued token that will give investors value for their investment, while at the same time providing information that will help all investors, those with adept knowledge of the cryptocurrency market and others, to make smart investment decisions. In this respect, IBISCOIN also seeks to raise funds that will be used to develop the platform, market the platform to the cryptocurrency market and interested investors, bringing more people on board to harness the benefits that this information on the index cap will bring.
    With the Ethereum technology, users of IBISCOIN will be able to transact and exchange their tokens instantly when the need arises.


    Our ICO runs on top of the Ethereum blockchain. Hence, it Ethers is used for acquiring our tokens. The steps below will guide you through investing in our ICO.


    In order to effectively implement our project as well as have a good control or our market and currency value, we settled on supplying a total of 31,000,000 IIC tokens (31 million tokens), with its ICO parameter as follows.

    The minimum token for the ICO as presented above is 8,000,000 (8million), has a market value of $7,346.68 (US Dollars).



    In order to create evaluation points in the development and implementation of this project, we developed milestones for every significant phase of our project. These milestones or project roadmap is presented below.




    White paper:https://ibiscoin.co/storage/ap...




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