zeosX (ZEOS) - The World’s First Cryptocurrency Bank | $5 MILLION BOUNTY + AIRDROPS
What is zeosX?
zeosX is a decentralized platform aiming to revolutionize the traditional banking industry. Our cutting edge technological system is built based on a powerful finance ecosystem which consists of the futuristic banking components.
Why Choose zeosX Platform?
Real-time military grade security
Platform security will always be our top priority. zeosX consists of multiple layers of protection, providing
clients with seamless user experiences.
High-performance crypto fortress
Clients’ crypto assets will be safely secured in a cold storage vault. Confidential information can never be
accessed by anyone.
Beside producing monthly passive income, ZEOS tokens also offer clients with bountiful benefits such as
additional discounts on collateral loan.
Vision and Mission
The reason why cryptocurrencies have not achieved mainstream adoption is that the majority of people still think of them only as
another store of value, a risky investment and nothing else. The truth is, Bitcoin and cryptocurrencies are much more than that...
Not only does zeosX offer banking security with countless added benefits, but it is also created to rewrite history and to change
people perception of cryptocurrencies. With zeosX, there is no need for traditional banks and third-party payment networks
anymore as our banking components are equipped with the latest groundbreaking finance technologies. From taking a loan, online
shopping to even paying for coffee, we have got everything covered.
With the gradual decline in the number of users using traditional banking, zeosX will expand even at a faster rate as cryptocurrencies
continue to grow. We are expecting more than 50 million users in the next 3 years.
With zeosX, our goal is to implement Blockchain technology to ultimately achieve a decentralized and cashless society without
relying on trusted third parties such as banks. Also, tools such as smart contracts promise to automate many problematic processes
in the banking sectors, from compliance and processing requirements to content distributions.
The World Bank is currently an industry of $134 Trillion. The promise of blockchain as a technology without trust and a mediator
is to reinvent the banking industry.
i. Loans and credits
Banks help with payments, loans, and credits. However, traditional lenders are subscribed to loans based on an inaccurate and
unsecured credit reporting system.
When completing a bank loan application, banks must assess the risk that the loans will not be returned. They do this by having
complex factors such as credit ratings, the proportion of debt and income and the ownership of properties. To obtain this
information, they access clients’ credit report provided by one of the three leading credit agencies which are Experian, TransUnion,
and Equifax. By using these data, banks can then evaluate the risk of defaults and interests on the loans.
By erasing the need for middlemen or intermediaries in the loan and credit industry, we aim to make it more secure to borrow
money and provide lower interest rates using zeosX loan.
With the zeosX loan, we offer clients with either collateral or non-collateral loan. The collateral loan allows users to get dollars fast
without selling any of their crypto-assets. The non-collateral loan also rewards users with ZeoPoints for early repayment.
Users can easily access zeosX loans without going through any rigorous or cumbersome process.
ii. Centralized banking system
It is safe to say the centralized banking system has been failing because most of its core operations are manipulated by the “greedy
and powerful” people within the sector. This has led to corruption in the traditional banks and system and gradually, the fiat
currency system will fail. Transparency in this banking system is far-fetched as clients have no insight to what their money is used
for as they have no control of it. Thus, the monies kept by clients, which have little or no interest at all, in these banks are used by
the corrupt people to enrich themselves.
Will you get your cash IN A FINANCIAL CRISIS?
When a large number of people withdraw their money from the banks, how much cash do you think is in their reserve? If a bank
run is to occur, will you get back your money? The number below might shock you!
JPMorgan Chase Deposits: $1,375,179,000,000
Assiniboine CU Cash on Hand: $23,873,000,000
JPMorgan Chase Cash To Deposit Ratio: 98.26% of Deposits not covered
Wells Fargo Deposits: $1,306,079,000,000
Wells Fargo Cash on Hand: $20,729,000,000
Cash To Deposit Ratio: 98.41% of Deposits not covered
Goldman Sachs Deposits: $728,919,000,000
Goldman Sachs on Hand: $9,070,000,000
Cash To Deposit Ratio: 98.76% of Deposits not covered
Citibank Deposits: $698,175,000,000
Citibank Cash on Hand: $28,701,000,000
Cash To Deposit Ratio: 95.89% of Deposits not covered
Barclays Deposits: £455,339,000,000
Barclays Cash on Hand: £49,711,000,000
Cash To Deposit Ratio: 89.08% of Deposits not covered
Generally, we do know that the banks make money on the interest they charge on loans because that interest is higher than the
interest they pay on depositors’ accounts. The amount available to lend also depends upon the reserve requirement the Federal
Reserve Board has set.
The question to ask is, without any transparent and immutable public ledger, do we really know what they do with our money?
Weak Link in the centralized banking system banking system
The centralized banking operations are all tied to a single powerful mainframe and database system and this has invited major
hacking attempts on the banks themselves.
Successful hacking attempts:
The national bank of Bangladesh was hit in a highly sophisticated hacking attack, with the attackers taking off with $81 Million
(£58 Million) and attempting to steal as much as $1 Billion (£710 Million).
“The same group has also attacked banks in Ecuador, Vietnam, and Philippines”, according to investigators.
Hackers are getting more ambitious, spending longer on attacks and demonstrating greater sophistication, experts told Business
Insider — and the rewards they are reaping are larger than ever.
We intend to solve the crisis mentioned above faced by the traditional banks by introducing our own zeosX crypto bank.
With the use of an underlying blockchain ledger which is immutable, we would create and offer a decentralized banking system
which is fully transparent, giving individuals full access and control to their funds as they can quickly determine how their funds
are spent and get the relevant interest on the usage of their funds. With the invention of zeosX crypto bank, we will eliminate
corruption as it is impossible for any single entity to manipulate our public ledgers due to its immutability.
There is no single mainframe or database system in our zeosX crypto bank, and this will completely cushion any hacking attempt
launched at this revolutionary banking system. In the case where traditional banks still make use of a database which is vulnerable
to hacking attacks, zeosX will use decentralized applications (DApps) which will further strengthen our platform security. Our
DApps are also designed to be highly efficient while being user-friendly by either the older or younger generations.
III. Fees and charges
In this section, we aim to cover the problems faced by the traditional banks and third-party payment gateways when it comes to
the exorbitant fees and charges for every transaction carried out.
PayPal charges a 2.9% fee from the total amount of payment received and a flat fee of $0.3 on each transaction carried out. In
some countries where debit cards are not allowed for online transactions worldwide, users who do not have credit cards have
resorted to asking PayPal third-party providers to top up for them.
These same users have complained of being billed a fee as high as $50 just for a small amount of only $1000 to top up PayPal
because of the foreign exchange rates and at the same time, being charged as high as almost 5% to make transfers from one user
to another. These exorbitant fees are uncalled for and just serve as a way to rob off individuals.
Users who want to withdraw money out of PayPal also have to wait for at least 3 to 5 business days for the funds to appear in
their bank accounts.
The charges paid by credit card users are really high and this has been a thorn in the flesh for them. We will list out some of the
fees being paid by users.
1. Annual Fees: These fees are paid annually and based on our research, it ranges from $19 to as high as $500 depending on
the credit card issuer.
2. Balance Transfer Fees: These fees are paid whenever user transfer balance from one credit card to another which are usually
3% of the amount transferred.
3. Cash Advance Fees: These fees are paid whenever users withdraw money out of ATM using their credit cards or for cash
equivalent transactions. Charges are usually 5% of the cash amount.
4. Expedited Payment Fees: These fees are charged when there are last-minute payments needed to be made by credit card
users through the phone to avoid being late. These fees are around $10 - $15.
5. Foreign Transaction Fees: Foreign transaction fees are charged when you make a purchase in a foreign currency in addition
to the conversion fee. They are usually 3% of the transaction amount.
6. Late Fees: Late fees are paid for failing to meet up the minimum credit card payment when due. These charges can be up to
7. Returned Check Fees: Returned payment fees are charged when your bank returns your credit card payment. As a penalty,
fees are as high as $35. They are charged every time a payment is returned.
Having outlined some of the major fees paid by credit card users, we can completely see the need to eliminate this card payment
system as some of the fees listed above are just put in place to extort clients and credit card users.
Intermediaries such as visa and MasterCard also charge merchants with extremely high interchange reimbursement and surcharge
fees which are unnecessary. There are also rules and regulations that merchants have to follow in order to partner with these
third-party payment processors.
We will highlight how the features of zeosX banking components would solve these problems associated with unreasonable fees.
Our next generation of payment gateway, ZeoPay, is a decentralized payment system suitable for online transactions. Entrepreneurs
can also integrate ZeoPay to take their businesses to the next level. With ZeoPay, not only users can pay with stable coins, but we
also promise low and transparent fees. This is beneficial for freelancing platforms because they can reduce enormous service fees
Users do not need to pay heavy fees to transfer crypto from one account to another. They can instantly convert their crypto assets
to fiat and vice versa. We also offer swift and priority cash withdrawal to other payment accounts whom we have partnerships
With our own zeosX Point Of Service (POS) devices and ZeoPay, we will use blockchain to reduce fees to its barest minimum,
there would be no need for currency conversion fees as countries with little or no availability of USD can easily transact across
borders and even spend their earnings without necessarily converting to USD and transaction fees will be very minimal.
The major problem with insurance in traditional banking is ingenuity and fraud within the system, not to mention that you have
to queue long hours and dial countless phone calls to get your desired insurance manually.
Our remarkable ZeoInsure will solve all the above problems. Not only clients will be exposed to a whole new level of insurance in
crypto, but we also aim to offer them a seamless and transparent insurance system where they can gain access to different types
of insurance for life, accident, etc.
zeosX to traditional banks
zeosX to payment processors
As mentioned in the problem analysis section, not only Visa and Mastercard charge merchants with unnecessary costly fees, they
often have breakdown problems. As a result, The zeosX Cards will not partner with any payment processors and will operate on
zeosX POS devices which are powered by ultra high lighting speed zeosX Core.
Furthermore, most of Visa and Mastercard cards users have applied online can’t be delivered to certain countries because they
are subjected to irrelevant regulations imposed by payment processors. Thus, our Core will enable The zeosX Cards to be distributed
to investors worldwide.
zeosX to payment gateways
Our ZeoPay is the next evolution of decentralized payment gateway that enables customers to shop online without any hassle.
Merchants are also not subjected to any hidden fees.
Our 4 banking components are powered by zeosX Core. It is a unique innovative technology that offers unprecedented performance.
zeosX Core consists of Blockchain, smart contract, and DApps which forms an essential part of the whole platform. Besides zeosX
Core, every software in each of the components has also been thoughtfully implemented using the latest robust technological
zeosX Core will not function without the smart contracts. One of the main reasons we build our Core around smart contracts is
because of the accuracy, security, and transparency they provide. zeosX uses countless confidential data to carry out transactions,
and there will be many problems if we are to use the traditional way of storing data. Using smart contracts not only eliminate
problems such as errors, disputes, miscommunications, and manipulations, but they also provide the platform with the velocious
lighting speed it needs.
Each of the banking components is combined into the all-in-one zeosX Hub, a decentralized crypto banking system, which allows
non-collateral borrowers to receive loan fundings to even auctioning your properties!
Crypto Mobile Wallet
Extremely low fees
Borrow, store and spend crypto instantly with very low fees.
Effortless deposit and withdrawal
Various methods of deposit and withdrawal through local
ZeoPay is a decentralized payment system suitable for daily
transactions. Entrepreneurs can also integrate ZeoPay to
take their businesses to the next level.
Our Crypto Mobile Wallet has everything that you need, from investing to even tracking your daily transactions.
• Crypto Exchange and Loan
• Debit Card
Buying any cryptocurrencies have never been easier with the wallet! Clients can even transfer them to external same address
wallets instantly with almost no fees at all. In addition, we have provided various methods of deposit and withdrawal through fiat
currencies using local bank accounts or integrated payment networks such as skrill or ePayments.
Crypto Exchange and Loan
We offer clients with the mobile version of decentralized crypto exchange and loan. Using ZeoStorm which allows interaction with
DApps directly from the app, clients can trade main cryptocurrencies and ERC20 tokens in real-time. They can also choose to
apply for collateral and non-collateral loan with just a few clicks. Both decentralized crypto exchange and loan are secured because
no confidential information will be stored in our database.
Not only can clients track their daily transactions using our decentralized crypto mobile wallet, but they are also able to top up
their zeosX cards using crypto or fiat too. The zeosX cards also offer convenience to clients as they can withdraw cash to local
bank accounts or external payment accounts.
Our ZeoPay has various benefits for both clients and merchants. In addition to allowing clients to buy online goods effortlessly
using stable coins, we also protect merchants from market fluctuations by having the option for them to accept several
cryptocurrencies and every payment received will be converted to fiat currencies straightaway.
The zeosX cards
Our cards are available in different editions and designs
Monthly savings interest rate
Grow your overall crypto portfolio by holding ZEOS tokens.
Earn cashback and ZeoPoints
Rewards can be redeemed for various mouth-watering
Premium limited edition cards
Get our Plasma Sapphire and Spectral Infinite cards to
enjoy complimentary benefits such as exclusive access to
zeosX’s priority royale solitaire club.
The Spectral Infinite Black Metal Card
Our Black Card is the world first most prestigious blockchain cards. For the individuals who demand of what life has to provide,
the exclusive elite Black Card is for you! Made entirely using high quality and pure metals, the Black Card offers you with the
ultimate and luxurious buying pleasure.
However, the Black Card is not for everyone, it is available to only the ultra high net worth individuals to ensure the extraordinary
standard of personal service that is available to every Black Card members.
Why choose the impeccable design and uncompromising quality zeosX cards?
1. Cashback and rewards for every transaction which can be exchanged for various gifts and prizes.
2. Complimentary access to airport lounges worldwide and airline miles welcome bonus.
3. Up to 100% credit (Loan-to-Value) limit and interest-free installment plans will be available.
4. Earn ZeoPoints that can be used exclusively for our marketplace.
With all the above benefits, we only charge fees for the following:
2. Secondary/Replacement card
Why operate on zeosX Core?
1. There will never be any breakdowns at all.
2. If customers lose their cards, they can simply order a new one without any worries. Our zeosX Core is designed not to store
any confidential information.
3. We can deliver The zeosX Cards worldwide as there will not be any regulations at all.
4. zeosX POS devices, which is powered by the zeosX Core, will be effortless and straightforward to use.
With the zeosX Core, merchants can also use smart contracts to enable the purchase of everyday goods. Every transaction will
be recorded on the Blockchain which is broadcasted to the mobile app simultaneously, enabling each customer to track them.
Besides paying in debit, customers can also enjoy up to 100% credit limit based on their collateral’s Loan-to-Value (LTV) ratio. Just
like zeosX loan, the interest rate will be calculated daily and customers have the option to pay whenever they want. In addition,
merchants that have VIP partnership with zeosX offer interest-free installment plans to customers who pay by credit.
To use The zeosX Cards, all you have to do is just to activate it through the mobile app! Whether you want to pay for coffee or
shop online, our cards are the ultimate solution to everything.
Clients can choose whether they want to borrow with or without collateral. Our collateral loan allows them to get dollars fast
without selling any of their crypto-assets. The non-collateral loan also rewards clients with ZeoPoints for early repayment. Our
DApp based zeosX Loan also offers liquidity investors to earn their own income by lending out their crypto-assets to borrowers,
Features of zeosX Loan
1. Low interest rate
2. Simple Process
3. Fast Approval
4. No hidden fees
zeosX Core also has various critical loan functionalities such as automated maintenance, instant notifications, real-time analytics,
and loan contracts.
We also use smart contract for the decentralized loan. When clients borrow or lend, transactions will also appear on the Blockchain
with no third party services. Thus, loan agreements are clear to both parties, eliminating any disputes and manipulations.
If clients do not repay the loans, their crypto assets will automatically be unlocked and can be claimed by zeosX’s loan lenders.
Liquidation procedures will also be initiated once clients’ assets fall below the minimum LTV ratio.
Daily interest rate will also be updated instantly on zeosX platform with no delays. To maintain loan safety levels, clients will be
notified with liquidation warnings.
When the value of clients’ main assets appreciate in value or after they repay their loans, loan limits will automatically increase and
can be withdrawn immediately.
As mentioned in the above diagram, clients can borrow in just 3 simple steps with no complicated credit checks at all. The amount
of borrowed money they get is updated on The zeosX Cards simultaneously, available to be spent or withdrawn anytime. Clients
also have the option to get their borrowed money through the zeosX marketplace.
There will be a 50% discount in interest rate and an LTV boost of 70% when clients pledged ZEOS tokens as a collateral.
We also offer non-collateral loan to clients living in certain countries. They can borrow cryptocurrencies with just a national
As promised, non-collateral loan has no minimum loan repayments within a month, however, borrowers that do not repay their
loans after the end of each month will have to pay late payment fees. If they default on the loans, our debt collection agency will
take the necessary legal actions against them.
Borrowing a larger amount of cryptocurrencies will require a more detailed credit check but it will not be as complicated as the
traditional banking system. After a loan is approved, it will be posted to zeosX decentralized marketplace where investors and
lenders worldwide can invest in that loan with up to 30% lending interest rate per annum.
Loans are determined by smart contract’s grades ranging from A1 to C3 with A1 being the safest and C3 is the riskiest.
Investments, auction, and lending
Being a member of the Zeoniteans community enables you to gain access to countless exclusive and complimentary benefits.
Zeoniteans Ranking System
We offer investors with 5 tier of membership levels ranging from Beginner to Elite Jedi being the highest rank. In addition to bonus
tokens that they receive during each phase of token sales, there will also be massive discounts on the number of tokens required
for each rank. Furthermore, they can convert the tokens into collaterals which can be used for credit payment.
Make sure you do not miss out on this, as bonus tokens and discounts will decrease after each stage of token sales!
Accumulating ZeoPoints allow you to exchange them for various zeosX’s gifts. Having each ZeoPoint equivalent to $1 USD also
enables you to use it for your next item purchase.
You can earn ZeoPoints from doing certain tasks like:
1. Item Transactions
2. Early repayment of non-collateral loan
3. Acquiring The zeosX Cards
During zeosX’s lucky draw event, ZeoTickets are exchanged for extravagant prizes ranging from iPhone Xs Max to a first class flight
and presidential suite package. Total number of ZeoTickets will be calculated after each round of token sales.
The more ZeoTickets you have, the higher your chance of winning will be!
Why Initial Coin Offering?
This is a non-regulatory means of raising funds for a new company of cryptographic value. Start-up companies use Initial Coin
Offering (ICO) to bypass a rigorous and regulated way of raising the capital required by venture capitalists and banks.
At zeosX, we aim to offer a percentage of ZEOS tokens to our investors interested in this revolutionary project in exchange for
fiat and other cryptocurrencies. The zeosX’s (ZEOS) token sale is required to enable us to raise funds for further development of
zeosX platform to completely reinvent the traditional banking industry.
Basic Token Sale Info
Total Supply: 3,000,000,000
Start Date: 1st Dec 2018
End Date: 31st July 2019
Softcap: $20,000,000 USD
Hardcap: $100,000,000 USD
Exchange rate: 1 ETH = 3000 ZEOS
Project protocol: ERC-20
Payment methods: BTC, ETH, LTC
Why Invest In zeosX?
Firstly, we have a world-class team capable of delivering all of the banking components. Some of them have more than a decade
of professional experiences working with top finance companies.
Secondly, a crypto banking service is required to have a mass adoption, hence, zeosX is exactly what the crypto community needs.
At the same time, the value of ZEOS tokens will also increase because it will generate a higher demand.
Thirdly, ZEOS token holders will get endless benefits as mentioned previously as we believe in giving as much value as possible
to the zeoniteans community.
Use Of ICO Proceeds