Stips Fintech - DECENTRALIZED CRYPTO-FINANCE ECOSYSTEM FOR SMART INVESTING AND ASSET MANAGEMENT
To make information simple and accessible, and investments reliable and smart.
1. Build a decentralized crypto-finance platform for smart investing and asset management.
2. Provide the community with complete, relevant, and unbiased information on each asset
that interests them.
3. Build a community that is interested in independently searching for and providing
information on assets and the teams behind them.
4. Enable token teams to publish current information on their activities on a single platform
with no need to use dozens of communication channels.
Professional Cryptocurrency Index
Product Description: We have developed an index that can be used by all players in the
cryptocurrency industry. This index allows users to follow the dynamics of the cryptocurrency
market on the 20 most capitalized positions.
Target Audience: All participants in the cryptocurrency industry who want to receive
independent and current market information. Funds, investors, traders, institutional investors.
Goal: The goal of this cryptocurrency index is to create an indicator that would help private
investors, cryptocurrency funds and traders define the general trend and speed of digital
tokens. For funds accumulating investor money, STIPS20 can become a benchmark for buying
more liquid tokens. It allows users to invest directly in the index and obtain market returns.
Investors will be able to compare investment yields with average cryptocurrency market
dynamics to estimate efficiency and expediency when choosing a fund.
Index Website: stips20.io
Open Tokenized Index Fund
Product Description: STIPS|20Fund is the first open index cryptocurrency fund on NEM
blockchain architecture. This is a fund with a transparent and classical asset management
strategy. It follows the STIPS20index, which includes the TOP-20 cryptocurrencies. Investors
can make investments to our fund at any moment and get a transparent mid-market yield.
Market: The potential market for passive index cryptocurrency funds is currently $41 billion
(market analysis is given in section STIPS|20Fund in the White Paper).
Target Audience: Mostly non-professional and interested investors, who are indisposed to
take higher risks while making investment decisions but willing to participate in the dynamics
of the cryptoassets market.
Goal: Create the first open passive index fund and allow investors to participate in the dynamics
of the cryptoassets market in a safer, more transparent and historically reputable way.
Fund Website: stips20fund.io
First Decentralized Trading, Analytics and Management Platform
The goal of STIPS|Oculus is to build a simple, functional, and decentralized analytics platform,
bringing together all the players of the cryptocurrency market for highly efficient investments.
The platform represents a decentralized environment that employs widgettools for the
following categories of services:
• fundamental, technical analysis of trading tools (tokens, currencies, etc.)
• placing assets for management (STIPS|Smart Fund)
• connecting and using an unlimited number of financial services from third-party developers.
Features: A characteristic feature of the platform will be its gamification system.This is the
process of using game thinking and game dynamics to attract users and consumers, while
enhancing their involvement in solving applied problems, and using products and services.
Due to this process, users will be involved in the data transfer of analyzed projects and will
receive tokens, bonuses, ratings, etc.
STIPS|Oculus employs a combination of unique algorithms for regression analysis and
sentiment-analysis to identify fundamental parameters that influence the dynamics of
token price. For analysis of the unstructured information (collected from the blockchain and
provided by the platform’s users) there will be used the IBM solution (IBM Watson) adapted
to the STIPS|Oculus needs. IBM Watson is an advanced tool that allows revealing trends in
the unstructured information by using artificial intelligence and immense computational
With a long list of data, a user can work out his/her unique trading strategy and apply it in
Regression Analysis is a statistical method for estimating the influence of one or several
independent variables (for example: code activity at Github, asset flow on a tool in large
wallets) on dependent variable (token price).
Regression model development is an iteration process aimed at searching for efficient
independent variables to explain dependent variables. We try to model and understand these
variables by launching the regression tool to identify which values are efficient predictors.
Then step-by-step removal and/or addition of variables is done until we find the most suitable
We will analyze the following data in STIPS|Oculus (the list of parameters is unlimited and will
be continuously developed and analyzed):
1. Code activity on GitHub
2. Asset flow on major wallets
3. Marketing activity tracking
4. HR activity
6. ICO rating aggregator
7. Trade signal channel aggregator
8. News aggregator (sentiment analysis)
9. User sentiment monitoring (sentiment analysis)
11. Blockchain usage dynamics (for smart contracts)
12. Analysis of token distribution across wallets
Sentiment-analysis allows users to view the overall market sentiment or sentiment on a
certain topic in all connected chats, tweets or websites.
This method is based on a semantic analysis of news from the Aggregator.
When a user switches to a certain coin, news gathering on this coin starts with “terminological
token”. Then all news is evaluated with a certain algorithm, specifically with regard to the
sentiment of each message. This information is summed up and shown in the coin graph in
the form of a “candle” with the volume of messages and sentiment classification.
By clicking the “candle”, a user can see the details on message volumes and sentiment for
The system administrator can choose the news sources.
The platform has a separate tool to view market sentiment by key words. For example, the
end user types in the key words “EOS, ICO, tokens”. These words are sent to a Sentimentanalysis
service and then the system gives a sentiment evaluation on wordpairs.
OPEN PLATFORM - DATA COLLECTION ISSUES
The problem of platform scalability and exponential growth will be resolved by constant
interaction with users through the gamification and token motivation system.
Key issues with most services are the difficulty in learning the platform and constant customer
retention. Gamification evokes the competitive spirit in everyone. When a person plays, he/
she gets involved in the process more and more, feels satisfied with his/her achievements, and
therefore is ready to visit and use the platform more often. The STIPS token accrual system for
performed tasks, bonuses for discoveries on the platform, and rating system are additional
motivation to use the Oculus platform.
Each user will be able to bring currency information to the platform in accordance with the
criteria described above (wallets, team information, events, etc.). In exchange, we will pay
them STIPS tokens for unique information. At the early stages, the STIPS|FinTech team will
determine the importance of this data based on publically available, transparent methods.
WHO WILL USE THE STIPS PLATFORM?
The platform is designed for all market players:
• Those who create tokens
• Those who buy tokens
• Those who want to earn by participating in the platform development
SUPERVISION OF CONTENT UPLOADED BY USERS
Oculus is a decentralized platform where everyone can manage it or influence its operation.
The system is based on automatic accounting of the most active users and grants them
“supervisor” rights (those users with a certain level of reputation in the community, weight,
advantages and responsibilities). These users (supervisors) provide validation for incoming
information and influence the platform’s operation.
At the first stage, ten supervisors are supposed to constantly work on the platform. They are
chosen from the standard users based on their activity. In order to become a supervisor, a
user should have 100 validated data in the platform history. Supervisors have advantages
on the platform in the form of 2x tokens for providing information (10 STIPS). The user also
accepts the obligation to supervise a minimum 10 new data from standard users. If the user
fails to perform his/her obligation, the user loses his/her supervisor status and becomes a
standard user until he/she becomes active again.
Each user with 200 validated data in the platform history gets a status of “Super Supervisor”
and has a right to use all Oculus services for free and gets access to special features of the
platform. This status is temporary and requires user to stay active.
EXAMPLES OF WORK WITH THE PLATFORM’S ANALYTICS BLOCK:
Let’s say platform user Bob trades cryptocurrencies. After logging in on STIPS|Oculus, Bob is
granted access to a limited list of parameters that can influence the price of the token Bob is
interested in. Particularly:
• Code activity at GitHub
• Number of exchanges where the token is listed
• Number of current project employees
• Compliance of project activity with a declared roadmap
Bob then chooses a token, for example, NEO, enables available parameters
from the list above and gets graphs and absolute values to see how these
parameters influence the token price. Based on the analysis, Bob comes to
the conclusion that, out of four parameters, only the code activity at GitHub and number of
current employees influence the future NEO price. Then Bob starts monitoring the changes of
these parameters in his user account on the platform. One day, NEO code activity at Github
grows by 500 points and the project team increases by 15 people. Bob buys the NEO token,
expecting its price to go up. Due to increased developer activity and code enhancement (activity
growth at Github, growing staff), there is a growing demand for the token and therefore its
price is increasing. As a result, Bob made a profit.
After the successful deal, Bob decides to take advantage of the full functionality of the
STIPS|Oculus platform. Bob buys STIPS tokens and gets access to unlimited functionality of
As another example, Alice is interested in analyzing projects and revealing
trends in the market. She logs into the platform and gains access to an
independent upload of token data to obtain a payment (in STIPS tokens).
Alice knows that the team for the XEM token is going to organize some large
events and follows the project in accordance with its roadmap. She uploads
this information onto the platform and receives a notification that after the
information is processed, she will receive X number of STIPS tokens added
to her user account. Thus, Alice provides unique information used in the regression model and
earns money, and Bob uses this information in trading.
PRODUCTS STIPS|Smart Fund
Decentralized Solution for Your Investments
The Fund is an important part of the Oculus platform. A significant part of the platform’s
functionality is focused on smart investing and gives users access to information so that they
can make informed decisions about their cryptoassets. At the same time, most users aren’t
ready to make independent decisions and it’s important for them to have not only analytical
tools, but also tools to transfer their assets for management. For this purpose, we will allow
the user to choose their algorithm/fund/trader and transfer their assets for management.
INDEX FUND LAUNCH
At the first stage, we launch our own fund, which will distribute assets on the 20 most
capitalized tokens, according to the STIPS20 index.
• Transfer of the Index Fund to the Smart Fund
After launching the key elements of the Oculus platform, the system will be enabled to assess
each and every token based on the analysis of the collected data and to distribute assets
across tokens, guided by the machine learning.
• Connection of a Wide Range of Third-Party Funds with the Platform
THIRD-PARTY SERVICES WITH WIDGETTOOLS
There are a lot of projects on the market and each team is good at its product. We understand
that we don’t have enough resources to develop all services and be the best at everything. At
the same time, users want to have access to all services and preferably in one place.
That is why the platform will be open and allow users to connect third-party services to earn
money and use them at work.
TOKEN USAGE ON THE PLATFORM
STIPS tokens will be the core of the ecosystem, be given to users for valid information, and
be used as payment for the extended functionality of the platform. Token depositing into the
user’s account will be batched for monthly platform usage.
• Regression analysis
• Technical analysis
• Communication tools for users (chats)
• User tools for direct trading with exchanges
• Trading algorithm testing
• News aggregator
• Connectable funds
• and many, many more
Functionality and interfaces are partly an integration of the existing services Cryptowatson,
Haasbot and Cryptopanic. That is why the best practices and usability of these services are
included in this platform.
The system is built on sockets. All services are in a single window.
The system will include dashboard functionality. The end user will be able to place and choose
tools as he/she likes.
Each separate tool will be available as a widget that the user can add to his/her dashboard.
When adding to the dashboard, the user sets the necessary parameters. For example, it is
possible to form a dashboard that includes all the information on a certain token, trading
volume in this wallet, twitter news, and messages status for the currency. It is also possible to
trade this token here using a trading algorithm written by other developers.
STIPS|Oculus will become a living body created by the community in accordance with
STIPS is a token built on the EOS blockchain.
STIPS is a utility-token and the core of the STIPS|FinTech ecosystem. The project’s economy,
based on the token, is aimed at the project’s constant development and ensures the
decentralization of incoming information, which, in turn, minimized damages and manipulations
common for centralized data aggregators. Tokens are continuously traded in the system, and
users can spend tokens inside the ecosystem and receive them for their support in project
development. The most important function of the token is stimulation, which allows for
unlimited ecosystem development.
TOKEN APPLICATION IN STIPS|OCULUS
1. Monthly Subscription
In Oculus the token will be used as payment for the monthly subscription, which provides
access to the platform’s full functionality. The basic amount for the monthly subscription
is 100 STIPS (this sum may change depending on the token’s price on the market). All
tokens collected in payment for platform subscriptions will go to platform development,
maintenance, and user payments.
2. Platform Maintenance
A portion of resources is spent on:
• server maintenance;
• and other expenses.
3. Payments to Users
The unique system of token motivation means that active platform users collect a payment
in the form of STIPS tokens for providing different information to the platform. The basic
amount is 5 STIPS (this sum may change depending on the token’s price on the market).
The payment is made only for valid information. “Supervisors” of the Oculus platform get 2x
payment for information (see the platform description for more details on the rating system).
TOKENOMICS CALCULATION FOR THE STIPS|OCULUS PLATFORM
Tokenomics calculation has been made based on two scenarios – funds raised in accordance
with Hard Cap and Soft Cap. During calculation, the following data was simulated:
• Incoming STIPS tokens flow, which is generated by user subscription payments for access
to the platform’s expanded functionality.
• Outgoing STIPS tokens flow, which is payment to users for providing valid information to
• Balance of the incoming and outgoing STIPS tokens flows to ensure viability of tokenomics
(that there’s no tokens deficiency during platform operation).
• Ratio of tokens participating in the platform’s operation to the total volume of STIPS token
In the ecosystem funds, tokens will function as a means of paying the participation fee. Users
have the ability to pay fees either with the Fund token (forced payment) or with STIPS tokens,
for which the user gets a 30% discount. The user can either buy STIPS tokens in advance and
deposit them into their account or buy them through his/her user account directly via the
A portion of collected tokens will go towards paying third-party fund managers.
STIPS TOKEN BURNING
10% of all incoming STIPS tokens flow (platform fee, funds fees) will be accumulated and
burned quarterly until 30% of all issued STIPS tokens are burnt.