how hpay coin will join hade pay to create the first and ...funds and connects the user id to their...

How HPAY Coin will join Hade Pay to create the first and only viable solution for business-to-consumer and business-to-business fiat and cryptocurrency payments

HPAY Whitepaper

Version 1

From the founders of

Hade Technologies

2

HPay Whitepaper Version 1

09 Summary

Market Overview

05 12

HPAY Market Opportunity

Verifie & Matrix: Other Uses of HPAY

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TABLE OF CONTENTS

04 03 Disclaimer

Vision

17 The TIFs Opportunity for HPAY

Roadmap

15 HPAY Allocation 18

Use of Proceeds

Additional Information

Leadership Team

Advisors 22 21

23 22

19 20

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Disclaimer HPAY Coin is often referred to as HPAY and is an ERC-20 token built on the Ethereum network. The information set forth below may not be exhaustive and does not imply any elements of a contractual relationship. While we make every effort to ensure that any material in this white paper is accurate and up to date, such material in no way constitutes the provision of professional advice. Hade Technologies is the coin issuer, and does not guarantee, and accepts no legal liability whatsoever arising from or connected to, the accuracy, reliability, currency, or completeness of any material contained in this white paper. Investors and potential HPAY Coin holders should seek appropriate independent professional advice prior to relying on or entering into any commitment or transaction based on material published in this white paper, whereas material is purely published for reference purposes alone. HPAY Coin will not be intended to constitute securities in any jurisdiction. This white paper does not constitute a prospectus or offer document of any sort and is not intended to constitute an offer of securities or a solicitation for investment in securities in any jurisdiction. Hade Technologies does not provide opinions or any advice to purchase, sell, or otherwise transact with HPAY and the fact of presentation of this white paper shall not form the basis of, or be relied upon in connection with any contract or investment decision. No person is bound to enter into any contract or binding legal commitment in relation to the sale and purchase of HPAY, and no cryptocurrency or other form of payment is to be accepted on the basis of this white paper.

Important:

You are not eligible, and you are not to purchase HPAY, if you are a citizen or resident (tax or otherwise) of Singapore, or other

Singapore Person. “Singapore Person” is generally defined as a natural person, residing in the Singapore or any entity organized

or incorporated under the laws of Singapore.

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OUR VISION

“We aim to assist the service Hade Pay in nurturing the

evolution of cryptocurrency, from trade and person-to-person transactions only, to reaching large scale acceptance by Web and mobile businesses, thereby disrupting the fast growing and soon-to-be $5 trillion worldwide e-commerce industry.”

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Summary

Hade Pay is the only cryptocurrency payment processor built for Web and mobile businesses that leverages the benefits of cryptocurrency as payment for goods and solves its problem

According to a survey at Finder.com, 92% of Americans do not own cryptocurrency. Yet, the same survey found that 17.2% of millennials own cryptocurrency, and nearly 9% of Gen X. Millennials are sought-after among retailers, and this data proves that there is great millennial incentive for businesses to accept cryptocurrency payments. Still, latency remains the biggest issue for top cryptocurrencies like Bitcoin and Ethereum. This presents a problem when ordering a pizza in-store, or trying to purchase gasoline. However, latency does not really matter with online and mobile businesses, where cryptocurrency is most practical due to its significantly lower processing costs vs fiat. In theory, Amazon.com could use Hade Pay to accept Bitcoin, Ethereum, or Litecoin. Once the consumer makes their cryptocurrency selection to purchase a new TV on Amazon.com, the Amazon server begins to look for the incoming funds and connects the user ID to their unique, randomly generated wallet address. If the funds don’t arrive within a set period, decided by the merchant, it is assigned an authFAIL and the pending status is removed.

HPAY Coin is an accepted form of payment in Hade Pay, and an option for merchants to lower gas and transaction fees associated with its use. HPAY Coin also has an exclusive usage within HadePlatform.com and its artificial intelligence-powered SaaS platform for crypto and stock investment research, as well as within the Verifie blockchain.

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Summary Cont.

In the event of an authSUCCESS, Amazon.com’s fulfillment center would receive orders to ship the customer a fully purchased TV and the consumer would receive a confirmation email that the purchase was complete. Therefore, Hade Pay removes the cryptocurrency complications for businesses with a similar purchase process to fiat and credit cards.

Hade Pay was developed with the realization that fiat is the cornerstone of every Web and mobile business. It is unreasonable to develop a cryptocurrency payment processor with an “us against them” mentality when speaking of fiat payments. Hade Pay is the first fiat-crypto processor that unifies the two in a seamless manner.

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Summary Cont.

Hade Pay has 50 gateway providers and payment processors built into its admin panel. The merchant chooses what credit card provider it currently uses, then selects what cryptocurrencies it wants to accept. This unifies crypto and fiat from a single application without disrupting the cornerstone of their business, fiat. Hade Pay is an undeniable victory for businesses and consumers, and because the issues with cryptocurrency in business are addressed, Hade Pay is crypto’s greatest innovation and opportunity to bite a big piece of the $5 trillion e-commerce pie.

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What is the purpose of HPAY with Hade Pay?

Summary Cont.

Along with Bitcoin, Bitcoin Cash, Ethereum, Ethereum Classic, Litecoin, Dash, Monero, Stellar, and EOS, merchants can choose to accept HPAY to purchase goods and services. Hade Pay is monetized by charging a processing fee. This rate is half the fees of credit card providers like Visa and MasterCard. For high risk businesses such as SaaS, gaming, or internet services, those fees can reach 6%. For Hade Pay merchants that choose to hold HPAY in their “gas” account, they can choose to use HPAY to cover fees at a significantly lower rate of 0.5%. We believe this gives HPAY good odds of both mass adoption among merchants for lowering fees and an accepted currency for services to maintain high levels of HPAY and ensure a 0.5% processing fee rate.

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2 3

Market Overview Worldwide GDP is estimated at $87.5 trillion with growth of nearly 4%

annually. Over the next seven years GDP will exceed $114 trillion.

Market

Overview

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The online commerce segment currently accounts for just 3% of global GDP, or $2.625 trillion. Shockingly, this is the segment of GDP and spending that digital currency has the best opportunity to reach since it is also the segment that digital currency owners and businesses have ignored.

No longer! Hade Pay was built from the ground up to reach and serve this $2.625 trillion segment of GDP. Even if we can capture just 5% of this market with digital currency, it is a $131 billion opportunity. However, if we remove conservative estimates the opportunity is actually much larger than that.

Online commerce is growing four times faster than GDP. Therefore, it is likely that by 2021 online commerce accounts for 5% of total GDP, if not more, thereby becoming a $5.7 trillion industry. Digital currency is perfectly created for online commerce payments, and Hade Pay solves many of the barriers to entry associated with large scale adoption. With Hade Pay, an online business in Europe can sell services to a customer in the U.S. without forex issues to consider. In other words, Hade Pay lets businesses around the world reach customers around the world without disrupting their existing payments infrastructure. Over time, digital currency could account for 10% of all online payments due to this advantage.

HPAY Market Opportunity

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2018 2023

Hade Pay Addressable Market

($) Tr illions

$5.7t

($) T

rillio

ns

$2.625t

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HPAY Market Opportunity cont.

A $131 billion market opportunity then becomes a $570 billion opportunity for Hade Pay over the next five years. To put that in perspective, digital currency commerce payments will then have more daily volume than Binance, volume that’s being used to purchase goods and services rather than trading from one person to the next. Instantly, digital currency gains a stronger foundation, one that supports the betterment of commerce, cryptocurrency, and consumers. HPAY will be directly tied to the service that makes this evolution of cryptocurrency possible. Not only can merchants choose to accept HPAY in this $570 billion market, but they may do so to obtain ownership and gain the utility function it provides within Hade Pay.

Hade Pay has communicated its desire to keep processing fees at an average of 1.5%. However, each currency in the service has its own fee structure. HPAY is currently the only token with a processing fee below 1%. We believe the utility function HPAY provides within Hade Pay gives it a tremendous opportunity for high usage, volume, and demand as Hade Pay nurtures the cryptocurrency evolution into commerce payments.

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400

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2019 2023

Hade Pay Direct Market Opportunity

($)Billions

$131b

$570b

($) B

illio

ns

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Verifie &

Matrix

Verifie & Matrix: Other Uses of HPAY

Verifie is the missing component of digital payment security that makes large scale adoption for businesses a reality.

Verifie is a blockchain protocol that can be used with any application to verify the ownership of a digital currency wallet address.

v Hade Pay uses Verifie so merchants can confirm their wallet address to consumers before making a purchase.

v If the merchant’s wallet address matches what has been verified and stored on the blockchain, the information will be confirmed to the consumer before making a purchase.

v If the server or application has been compromised, or the recipient wallet address associated with Hade Pay has been changed or modified, Verifie will fail to confirm the wallet address and alert the consumer.

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Verifie & MatriX: Other Uses of HPAY cont.

Each registered Hade Pay merchant can verify up to five (5) digital wallet addresses for free to use with Hade Pay or any application. However, merchants that accept all cryptocurrencies or large merchants that use many wallet addresses per currency will need to verify more than five (5) wallet addresses. These merchants can verify additional wallets with HPAY at a converted price of $200 per verification, or can choose to purchase an annual subscription for $125 per month to verify one additional wallet per month. Based on our initial studies, large merchants prefer to hold at least 15 wallet addresses when accepting Bitcoin, Ethereum, and Litecoin, or choose to recycle and use new wallet addresses on a monthly basis as an added security measure. We believe the premium verification service will be a great tool to give both consumers and businesses peace of mind before sending digital currency to purchase goods or services and to prevent lost funds, respectively. Given that additional verifications can only be purchased with HPAY, Verifie presents an equally large opportunity as actual payment with HPAY. This notion is largely tied to our belief that Verifie is the purest and most practical use of blockchain.

If we determine there is large mining and third-party development demand for Verifie, a coin will be minted and distributed in place of HPAY that performs all of the same functions but can act as gas within the Verifie blockchain. In the event, Veri coins would be issued on a one-for-one basis to HPAY. In the third or fourth quarter of 2018 we will move Verifie from a private to a public blockchain protocol. Developers will then be given the opportunity to create applications on a battle-tested blockchain that has enormous commercial implications. Verifie’s sole purpose is to verify information. It is currently used to verify digital wallet addresses and the source of information within the MatriX financial database. Hade Technologies uses a MySQL front-end database to query the blockchain and provide instant verification of data, which solves the issue of latency in blockchain. We believe the use of MySQL or a similar program is essential to solving the problems of blockchain, and is crucial for the performance and success of Hade Pay. Furthermore, our use of Verifie is also what makes Hade Pay unique and completely irreplaceable.

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Verifie & MatriX: Other Uses of HPAY cont.

Verifie could be used to store and verify professional licenses (contractors, financial advisors, and attorneys), higher education certifications and degrees, personal identification such as social security numbers or driver license numbers, passports, or to spot fake news and cyber threats. The application potential for Verifie is unlimited.

In regards to MatriX, you can find more details in the section “HADE Information”. MatriX is hosted on HadePlatform.com, a SaaS product for investment research driven by artificial intelligence. MatriX is ultimately a long-term competitor to the Bloomberg Portal and Reuters Eikon, two businesses that generate billions of dollars annually in sales. HPAY can be used to purchase access to MatriX.

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Hade Pay has discussed a project to consolidate a fragmented cryptocurrency industry called “tokenized investment funds (TIFs)”. The idea is to create single product compiled of many coins and tokens that businesses can accept, a strategy to simplify the digital currency industry. We believe that Hade Pay will create new opportunities to form tokenized investment funds in a way that appeases regulators and is atypical from any method currently proposed. There are many companies focused on “Bitcoin ETFs” and other investment funds with cryptocurrencies. Regulators have notoriously rejected all submissions, because they are in fact investment vehicles. We believe the key to creating such funds is a hybrid approach, one where the components can be held as an investment, much like people hold USD or euros, or extracted and used at any time to unlock value, much like people spend USD or euros.

“We aim to create “TIFs”, or tokenized investment funds that can bunch certain groups of

cryptocurrencies like payments, infrastructure, or gaming together for simple purchase and use.

We believe this approach will further streamline the use of cryptocurrencies while creating cross-usage potential across many platforms. Partners will have the option to participate in our tokenized investment

fund program, thereby creating greater exposure for their token or coin.

However, they will be required to accept multiple cryptocurrencies, altcoins, and ERC-20 tokens on

their platform in exchange for this added exposure, a tradeoff we believe token issuers will embrace.

This would be great for the consumer, being able to hold a collection of tokens and coins in the form of

a single TIF that unlocks exclusive value across many different platforms, versus holding 10 in 10

different wallets.”

The TIFs Opportunity for HPAY

Hade Pay’s Executive Summary previously disucessed the prospects of TIFs as they relate to token issuers:

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A TIF will becsingle token whose fluctuating value is tied to the performance of its components, and that singome a le token can purchase products offered by all of its components.

We believe the value for HPAY Coin to reduce fees with deep connections within Hade Pay is greater exposure when and if TIFs reach large scale adoption, because HPAY will be a component of TIFs.

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Roadmap

Timeline of Events Nov 2017 Hade Pay Development

March 2018 50 Million HADE Purchased

May 2018 Hade Pay Beta

June 2018 12 Million HPAY Exchange Fund Offering

June 2018 Distribute 62 Million HPAY

July 2018 Top 20 Exchange Listings

July 2018 Hade Pay Commercial Launch

Q3 2018

Q4 2018

1H 2019

Hade Pay Admin Panel for Merchants Mobile App

Incorporate Verifie with Hade Pay

Open Source Verifie Blockchain E-Money License

Highlights

Consumer Wallet Wallet API

Partnerships API ICO and Altcoin Support

Launch TIFs NFC Enabled for Brick-and-Mortar

Merchants Crypto-to-Fiat Settlements

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HPAY Allocation

Public Distribution

$62M

Founders $10M

HADE Rewards$3M

HPAY Distribution (75m Total Supply)

Public Distribution Founders HADE Rewards

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Use of Proceeds

Hade Pay is a market-ready product with complete capabilities to make purchases on any platform with multiple cryptocurrencies or fiat. The funds raised by selling 50 million HPAY in Round 1 will go toward the HPAY Coin integration with Hade Pay and the pursuit of TIFs and an open source Verifie blockchain protocol. The funds raised in Round 2 through the sell of 12 million HPAY will be allocated to exchange listing fees, so HPAY can gain the liquidity and exposure it needs to gain large scale acceptance among merchants.

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Additional Information

The Hade Pay Coin (HPAY) was originally Hade Platform token (HADE) and issued by Hade Technologies. The processor Hade Pay is owned by ODP

Solutions.

The Hade Platform token applied specifically to HadePlatform.com, and the purchase of subscriptions with MatriX, advertising and the promotion of content

on hadeplatform.com, and the potential formation of TIFs through MatriX.

Hade Pay was developed and the founders of Hade Technologies saw a greater opportunity to maintain all the use cases for Hade Platform token (HADE) plus

add additional features to build a coin for the e-commerce and business-to-consumer payments industries.

An issue with the decentralized exchange IDEX presented us the opportunity to

either correct a first-time exploit in our smart contract or issue HPAY, a move we had considered before. To be completely transparent, the following links reference details regarding the initial “HADE”, its smart contract, and the issue with IDEX

that pushed us to rebrand and innovate our strategy in this industry.

Original HADE Token Webpage -- https://hadeplatform.com/hadetoken/

Original HADE Whitepaper -- https://hadeplatform.com/FinalWhitepaper.pdf

Original HADE Etherscan -- https://etherscan.io/token/0x7b171c08d812f9c642dcf61f7e080610cbca64b3

Reference 1 -- https://gist.github.com/slee981/8ae4f9ea847555096857c3e0f92abdef

Reference 2 -- https://gist.github.com/slee981/e80bf25ab294d77a88a67bcb4960738c

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Leadership Team In addition to our Leadership team below, Hade Technologies has 40 employees and contractors who collectively built one of the world’s fastest growing SaaS platforms for investment research,

MatriX. Our staff and contractors work in one of four segments Computer Programming and Blockchain Development, Machine Learning and AI, Database Management and Development, or

Sales and Business Development on MatriX, Verifie, and HPAY.

Brian Nichols is a computer programmer, professional investor and equity analyst, with more than 3,000 financial analysis and equity research publications to his name. He is also a McGraw-Hill author “Taking Charge with Value Investing (2013)” & “5 Simple Steps to Find a Top-Performing Stock (2014)”. Brian’s programming skills include PHP, HTML, and MySQL.

Brian Nichols – CEO & Co-Founder

Roger Staton is one of the world’s brightest minds of advanced programming. Roger worked eight years at UPS building complex systems that are used daily in inventory tracking, shipping, and customer relationship management. Roger also built software for car dealerships that is used throughout the industry to track sales, schedule services, and generate real time sales reports. Roger’s skills include PHP, Ruby, Python, HTML, Java, MySql, CSS, jQuery, Angular JS, AWS, APIs, and mobile application.

Roger Staton– CTO & Co-Founder

Bethany has been a key component of HADE Platform since the beginning. She helped build the system we use to collect, approve, and organize the information within our database. With an MBA, a bachelors in Marketing, and former experience as an analyst with the development of Microsoft’s Cortana, Bethany has been the ideal person to manage the most important component of our business.

Bethany Thacker – Chief Database Officer CEO & Co-Founder

Ajinkya is a computer engineer and blockchain developer with hands on experience in data modeling and analytics, and machine learning. Prior to HADE Platform, Ajinkya designed an infant baby monitoring system to detect and alert doctors of lethal situations with a 99% successful rate in D Y PATIL Hospital. Ajinkya also developed a credit card fraud system that achieved an accuracy of 99% to identify fraud in a dataset of 280,000 transaction details. He is experienced in many programming languages such as MATLAB, C/C++, Python, Solidity, Embedded C, HTML. Ajinkya’s software skills include Microsoft Office, LabVIEW, MATLAB, MINITAB and is experienced with Bluetooth, Arduino UNO, Arduino UNO, and Microcontrollers (ATMEGA, 8051) hardware.

Ajinkya Lahade – Executive Director of Machine Learning

Chad studied graphic and software design at the University of Northern Kentucky, and quickly built a reputation for his creative genius in film, art, and theater throughout the Cincinnati Metropolitan area. Chad is an actor who has worked on and off-stage in many Hollywood productions. His most recent work includes the critically acclaimed mystery/drama “The Killing of a Sacred Deer” and the horror film “The Strangers: Prey at Night”. Chad’s creative talents and front-end programming skills have translated well to Hade Platform, and he will continue to be a crucial component of our marketing, advertising, and graphic design strategy moving forward.

Chad Boggs – Chief Marketing Officer

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Advisors Mark Lynd

v Globally ranked blockchain, AI, and Crypto Practitioner and Influencer v Highly instrumental and involved in day-to-day operations of Hade Technologies v Actively transitioning to Chief Operating Officer of Hade Pay

Hollis Hedrich

v CEO at Blockchain Global Advisors v Director of International Growth at XRAM Capital v Chief Financial Officer at Trans FX Inc.

Timothy Armes

v Founder or Jobs.com v Active CEO of NursesLounge.com v Registered CPA and seasoned business professional

Greg Tavalsky

v Vice President at IBM v Digital Inside Sales

Alan Boal

v Chief Innovation Officer at Blockchain Global Advisors v President of Idea Transfer

Andrew Johnsen

v Financial Advisor at Merrill Lynch

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Thank you!

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