Kryptopal.io1

Connecting Apps Seamlessly and Securely with Blockchain

Use Cases Paper

KryptoPal AG is a Switzerland (Zug) based company.

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About Us

KryptoPal is a blockchain-based platform, which can be integrated with many applications around the world to perform various cryptocurrency transactions.

It was started by technologists who have been inside the world of blockchain for years and is aware of the current barriers preventing widespread and global adoption of cryptocurrency.

OUR MISSION

KryptoPal aims to empower people worldwide with the latest blockchain technologies by finally providing a seamless solution at the genesis layer of all applications, rather than individually at the edge.

OUR VALUES

KryptoPal’s motive is to be a trustworthy, dependable, skilled, reliable, collaborative and socially responsible partner with the highest integrity.

OUR VISION

KryptoPal strives to be a leader in bringing cryptocurrency, distributed ledger, blockchain, and other emerging technologies to the global digital marketplace as they develop and mature.

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Wallet applications

Games

Ecommerce

POS (point-of-sale)

IoT devices

Provider deployed exchange

How the KryptoPal SDK works

How KryptoPal’s SDK easily integrates with applications

How KryptoPal can reach millions of consumers in a frictionless manner

How financial app providers can offer cryptocurrency wallets with the KryptoPal SDK

How Financial app providers can perform money transfer transactions using the KryptoPal SDK

How KryptoPal-Powered app consumers transact with each other globally

Types of transactions KryptoPal-Powered app consumers can perform

How general app (non financial) providers can offer cryptocurrency wallets

How any app provider can become a money transfer agent using the KryptoPal SDK

How ecommerce apps can accept cryptocurrency as an additional payment method

How gaming apps can accept cryptocurrency

How small businesses can accept cryptocurrency online

How app providers can offer cryptocurrency rewards to their consumers

How app providers can offer offer cryptocurrency cards, and how consumers can use them

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Wallet applications Currently, many traditional wallet applications use fiat currency transfers for friends, family, merchants and service providers. Most of these applications are native to a specific country. By integrating KryptoPal’s software development kit (SDK), these wallet apps will be able to receive cryptocurrency (Bitcoin, Ether, Dash, Litecoin, etc.) from worldwide users, convert that money into local fiat currency and use that money to pay local friends or merchants. Our SDK empowers wallet applications to function seamlessly and to use cryptocurrency.

GamesCryptocurrency users will have the ability to pay for in-game purchases within applications using a KryptoX button. KryptoPal will automatically convert a users cryptocurrency to currency accepted by the mobile game app.

eCommercePeople who want to make cryptocurrency purchases on eCommerce sites like Amazon, Alibaba, eBay, etc., will now be able to make those purchases by simply clicking a KryptoX button. KryptoPal will make the conversion in real-time. There is no need for the user to convert their cryptocurrency in order to make purchases online.

POS (point-of-sale)People who want to pay with cryptocurrency at local stores will now be able to make those purchases by simply clicking the KryptoX button when checking out using the store’s POS system through KryptoPal’s SDK.

IoT devicesCryptocurrency users who want to order products through their IoT device at home, through devices like Alexa or Google Home will be able to click on the KryptoX button on their device, and their purchase will be seamlessly paid in real-time.

Provider deployed exchangeAn additional use case for the SDK will be the ability to operate and integrate a fiat currency to cryptocurrency exchange. An application provider who complies with their own local “Know Your Customer/Anti-Money Laundering (KYC/AML)” requirements may integrate a KryptoPal powered fiat currency to cryptocurrency exchange. For instance, an application provider for the e-wallet application PaisaPay has already implemented the functionality to allow users to connect their account into a banking system. Now, the PaisaPay developer can exchange their preloaded cryptocurrency whenever an end user sends an amount of fiat to them.

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How the KryptoPal SDK works

When our KrptoPal SDK is integrated with any existing applications then a) that application is connected to Ethereum blockchain instantly, b) that application is interconnected with other applications in our global network and c) all these app consumers can interact with other to perform any crypto related transactions.

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How KryptoPal’s SDK easily integrates with applications

Assume a FIAT wallet app called “PaisaPay” is integrated with our SDK (PaisaPay is popular in India).

After the SDK integration, the PaisaPay app displays the “KryptoPal” icon along with the PaisaPay standard features (blue screen). Once consumers click on the KryptoPal icon, all the features provided by KryptoPal will be available on the PaisaPay app (purple screen).

These features become an extension of the existing PaisaPay app and the PaisaPay consumers don’t need to download another app to perform crypto related transactions. Features included are: identity, account balances, contacts, rewards, transaction, cards, and send and receive functions.

Please visit our website www.KryptoPal.io for the instructions to download the SDK from Github. Once the SDK is downloaded, there is a technical document with clear instructions to integrate with various types of apps. Our SDK is provided to support 30-plus types of programming languages such as Python, Java .Net, iOS, Android, Go and more.

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How KryptoPal reaches millions of consumers in a frictionless manner

The KryptoPal model empowers global app providers to interact by providing the SDK, application interfaces (API), tool sets, and knowledge necessary. These app providers will benefit by integrating our SDK because their consumers will have immediate access to blockchain, cryptocurrencies and integrated global markets. Let’s assume a wallet app in India has 10 million active consumers. The moment this app is integrated with our SDK, these 10 million consumers can use the services provided by KryptoPal. When a transaction is made, nominal fees will be charged to the consumers and this fee will be shared between the app provider and KryptoPal. Because there are 6.5 million apps available in the world, the market size and growth potential is scale-free.

6.5M Mobile Apps

4B App Users 360M Mobile Wallet Users

22M Crypto Users

$155T Total Money Transfers

$600B Money Transfers

by Individuals

1 Million AppsRelated to Finance

$4 Trillion Ecommerce Sales by 2020

[2] [3] [9] [11]

[18] [8] [2] [10]

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How financial app providers can offer cryptocurrency wallets with the KryptoPal SDK

If a bank or financial service provider has their own mobile app and they want to provide crypto related services to their consumers, they can simply integrate our SDK and facilitate all these features. See below for sample screens:

A bank app is integrated with our SDK here.

The KryptoPal button is present once the app is integrated.

Various features are available for the consumers to perform crypto transactions.

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How a financial app provider performs money transfer transactions using our SDKIf a bank has their own mobile or web app and they want to offer money transfer services to their consumers, they can simply integrate our SDK and facilitate this service. Please see below for sample screens:

A bank app called FinPay is i n t e g r a t e d with, and powered by K r y p t o P a l ’ s SDK.

A bank consumer Bob decides to send $1,000 to his designer in India.

Our SDK automatically c o n v e r t s $1,000 to ETH and allows him to send the payment.

Bob can select his designer, Ms. Rani Patel from his contacts list and send the ETH.

Ms. Patel can use her wallet app PaisaPay in India (which is powered by KryptoPal) and see the transaction.

Ms. Patel can transfer ETH into her local wallet and fiat currency (63,000 INR).

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How KryptoPal Powered app consumers transact with each other globallyBob lives in the USA and Alice lives in Mexico: Bob is sending $500 USD to Alice and if both are using their favorite local mobile apps powered by KryptoPal, they can transfer cryptocurrency in seconds within the apps:

Step 1: When Bob initiates the transfer of $500 USD to Alice, the money is automatically converted into the equivalent amount of ETH (Ether).

Step 2: Alice receives the equivalent amount of ETH in seconds into her local mobile app.

Step 3: Alice can transfer these ETH into her local bank account using her favorite mobile app. The conversion process from ETH to Mexican Pesos will be done within the app.

Bob Alice

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Types of transactions KryptoPal-Powered app consumers can performEveryday consumers can harness the unique power of the blockchain and KryptoPal’s SDK to perform functions such as:

App agnostic identity management

Exchanging cryptocurrencies

Receiving cryptocurrency rewards and loyalty points

Sendingcryptocurrency

Transferring cryptocurrency to other accounts

Creating contacts list for future use

Buying products on ecommerce apps

Receiving cryptocurrency

Spending cryptocurrency with a physical card

Viewing all transactions

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How general app (non financial) providers can offer cryptocurrency walletsSocial media or chat applications that want to integrate our SDK to facilitate cryptocurrency related transactions with their consumers can leverage our SDK solution. The images below show the process:

A chat app is integrated with the KryptoPal SDK.

Once integrated, KryptoPal features are available for all the users of this chat app.

Users can send our KPX tokens to their friends and convert them to local currency.

The recipient is notified once payment is successful.a a a a

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How any app provider can become a money transfer agent using the KryptoPal SDKIf a retail chain in Thailand wants to become a money-transfer agent using our network, they can perform the following steps:

Step 1: Imagine Sally is in Thailand on vacation when she loses her money, phone and handbag.

Step 2: Out of money, Sally can go a retail chain and ask for their help to receive money from her parents in the USA.

Step 3: Sally’s parents want to send her money (using cryptocurrency) to this retail chain (by using this store’s public key) using a KryptoPal powered app, converting the cryptocurrency to the local Thailand currency i.e. Thai Baht.

Step 4: A cryptocurrency transfer comes from Sally’s parents to this retail chain within minutes. The retail chain takes their commission and gives the Baht to Sally.

Note: This Thailand retail store should have a money-handling license to become an agent. The retail chain integrates our SDK with their web or mobile app and registers their public key in the system.

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How eCommerce apps can accept cryptocurrency as an additional payment methodeCommerce application providers can integrate our SDK and provide cryptocurrency transaction features as shown below:

Nancy is shopping on her favorite ecommerce app, which is integrated and powered with KryptoPal.

Nancy finished her online shopping, added all items to her cart and is ready to pay.

Because the app is integrated with KryptoPal Nancy has a new payment option i.e. to pay using our cryptocurrency KPX token. Simple!

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How gaming apps can accept cryptocurrencyGames application providers can integrate our SDK and provide cryptocurrency transaction features as shown below:

A game application is integrated with KryptoPal‘s SDK.

Users can buy points and other features using cryptocurrency instead of their credit card when playing the game.

Users now have the new payment option i.e. to pay using KryptoPal’s cryptocurrency token: KPX.

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How small businesses can accept cryptocurrency onlineAn online music company who wants to accept cryptocurrency for their songs can use KryptoPal to complete the entire process. We can help them create their own unique private/public keys. We also provide all the technology to be embedded on their website or mobile app so their consumers can pay for their music using various cryptocurrencies. When the consumer payment is successful, funds are deposited into the online music company’s account automatically.

Let’s take this online Merchant as an example:

Step 1

The merchant gets his Public Key from other sources. K r y p t o P a l doesn’t create Private or Public keys.

Step 2

The merchant integrates the K r y p t o P a l SDK with their online application/s.

Step 3

The merchant registers their public key to accept crypto payments (No FIAT payments are accepted by KryptoPal).

Step 4

W h e n c o n s u m e r s are checking out, they are given an option to pay using their crypto.

Step 5

C o n s u m e r s can pay using crypto knowing that K r y p t o P a l doesn’t save any private key information.

Step 6

The merchant is notified when payment / block is confirmed by the Etherium N e t w o r k . K r y p t o P a l doesn’t HOLD any currency in this process.

Step 7

The merchant processes the c o n s u m e r ’ s o r d e r / s knowing they are paid in full.

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How app providers can offer cryptocurrency rewards to their consumersIf a consumer is using one of the apps using KryptoPal’s SDK, they can receive reward tokens from KryptoPal or an app within the KPX network. These reward tokens can be used to pay for service fees or services/products within the KPX network of apps as shown below:

User clicks on Rewards button.

App provider displays their appreciation.

User will see all the rewards given to him/her.

Thank youfor being a loyal customer!

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How app providers can offer cryptocurrency cards, and how consumers can use themIf a consumer owns cryptocurrency and they are using one of the apps in KryptoPal’s network, the consumer will have the ability to apply for a physical card similar to a credit/ debit card as shown below. This physical card can be used to buy products from local merchants using your cryptocurrency as shown below:

Note: THESE CARDS ARE NOT PRODUCED BY KRYPTOPAL. WE SEND CONSUMER REQUESTS TO OUR PARTNERS TO GENERATE THESE CARDS.

User clicks on Rewards button.

User submits or updates the information.

User will get her/his card in the mail after a week or two.

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References[1] E. (n.d.). Charts Ethereum Unique Address Growth Rate. Retrieved November 30, 2017, from https://etherscan.io/chart/address

[2] App stores: number of apps in leading app stores 2017. Retrieved November 30, 2017, from https://www.statista.com/statistics/276623/number-of-apps-available-in-leading-app-stores/

[3] Digital in 2017: Global Overview. (n.d.). Retrieved November 30, 2017, from https://wearesocial.com/special-reports/digital-in-2017-global-overview

[4] Biggs, J. (2017, September 18). Ethereum will match Visa in scale in a ‘couple of years’ says founder. Retrieved November 30, 2017, from https://techcrunch.com/2017/09/18/ethereum-will-replace-visa-in-a-couple-of-years-says-founder/

[5] How many transactions can the network handle? (n.d.). Retrieved November 30, 2017, from https://ethereum.stackexchange.com/questions/1034/how-many-transactions-can-the-network-handle

[6] Bitcoin and Ethereum vs Visa and PayPal – Transactions per second. (n.d.). Retrieved November 30, 2017, from https://mybroadband.co.za/news/banking/206742-bitcoin-and-ethereum-vs-visa-and-paypal-transactions-per-second.html

[7] How Sharding-Based Blockchains Could Handle More Transactions Than Visa. (2017, October 20). Retrieved November 30, 2017, from https://cointelegraph.com/news/how-sharding-based-blockchains-could-handle-more-transactions-than-visa

[8] Personal remittances, received (current US$). (n.d.). Retrieved November 30, 2017, from https://data.worldbank.org/indicator/BX.TRF.PWKR.CD.DT

[9] Research, Z. M. (2017, January 19). Global Mobile Wallet Market will reach USD 3,142.17 billion by 2022: Zion Market Research. Retrieved November 30, 2017, from https://globenewswire.com/news-release/2017/01/19/909307/0/en/Global-Mobile-Wallet-Market-will-reach-USD-3-142-17-billion-by-2022-Zion-Market-Research.html

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[10] Worldwide Retail Ecommerce Sales Will Reach $1.915 Trillion This Year. (2016, August 22). Retrieved November 30, 2017, from http://bit.ly/2zDis8s

[11] Study highlights growing significance of cryptocurrencies. (2017, May 04). Retrieved November 30, 2017, from http://www.cam.ac.uk/research/news/study-highlights-growing-significance-of-cryptocurrencies

[12] a16z Field Notes: Devcon 3. Retrieved March 3, 2017, from https://a16z.com/2017/11/24/devcon3-notes/

[13] C. (n.d.). ERC: Identity. Retrieved March 3, 2018, from https://github.com/ethereum/EIPs/issues/725

[14] C. (n.d.). Raiden Network - Fast, cheap, scalable token transfers for Ethereum. Retrieved November 30, 2017, from https://raiden.network/

[15] Plasma: Scalable Autonomous Smart Contracts. (n.d.). Retrieved November 30, 2017, from http://www.plasma.io/

[16] E. (n.d.). Ethereum/wiki. Retrieved November 30, 2017, from https://github.com/ethereum/wiki/wiki/Sharding-FAQ

[17] C. (n.d.). uPort-Identity. Retrieved March 3, 2018, from https://github.com/uport-project/uport-identity

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DISCLAIMER

NOT AN OFFER TO SOLICIT SECURITIES

This document is for informational purposes only and does not constitute a prospectus nor an offer or solicitation to sell shares or securities in KryptoPal Inc. Any such offer or solicitation would only be made by a confidential offering memorandum and in accordance with applicable securities and other laws. None of the information or analyses presented is intended to form the basis for any investment decision, and no specific recommendations are intended. Accordingly, this document does not constitute investment advice or counsel or solicitation for investment in any security. This document does not constitute or form part of, and should not be construed as, any offer for sale or subscription of, or any invitation to offer to buy or subscribe for, any securities, nor should it or any part of it form the basis of or be relied on in any connection with, any contract or commitment whatsoever. KryptoPal Inc. expressly disclaims any and all responsibility for any direct or consequential loss or damage of any kind whatsoever arising directly or indirectly from: (i) reliance on any information contained in this document, (ii) any error, omission or inaccuracy in any such information or (iii) any action resulting therefrom. This informational deck constitutes a technical description of the functionality of the KryptoPal Platform and the usage of KryptoPal Tokens to access the KryptoPal Platform.

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For more information on KryptoPal and it’s revolutionary technology, please visit:

www.kryptopal.io

or contacts us at sales@kryptopal.io