CROWDHOLDINGWhitepaper

Vision 3

The problem 4

The solution 5

Market Assessment 6

Open Innovation 6

Alternative Finance 8

Product Description 10

Decentralized Open Innovation (DOI) platform 10

Distributed Online Funding (DOF) platform 11

The DOI & DOF Platforms Development Process 12

Step 1: Bounty System 12

Step 2: Crowdholding Market System 13

Step 3: Selling of Products 14

Business Model 15

Profit Generation 15

ICO Details 17

Role of the YUPIE Token 17

The Basics 18

Token supply 18

Token Distribution 19

Spending Allocation 20

Pricing 21

Pre-ICO Details 21

ICO Structure 22

Token Demand & Liquidity 23

Opportunity with YUPIE token 23

Business Development 24

What makes Crowdholding Special? 27

The Team 28

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Executives 28

Marketing & Sales 29

IT 29

Legal & Finance 30

Legal Compliance 31

Company Registration 31

Token Compliance 31

Appendix 32

Digital Asset Management (DAM) platform 32

Case Studies 34

Fishpointer App 34

Tutorland 36

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VisionUnite global businesses and the public on a co-creation platform,

ensuring prosperity for both.

The problemIn 2017 more than 90% of startups will fail due to entirely solvable issues (Forbes). This is not a new trend, and has even invoked a wealth of essays from founders who feel the need to write about why their company did not succeed. Of founders who faced failure, a massive 42% attributed it to a lack of market need for the product, while a staggering 29% of startups fail due to a lack of capital (Fortune).

Larger companies are ineffective at identifying problems, most notably in their products. 85% of c-level execs from 91 companies across 17 countries agreed that their companies were bad at problem diagnosis, often due to a lack of outside perspective (HBR).

There is a severe disconnection between companies - small or large - and the

public. Whether it’s to validate a new product, or iterate on an existing one. There is

enormous untapped potential, which with the right tools, can be leveraged to

benefit everyone.

Supporters from around the world are willing to validate products, unleash

criticism, and voice opinions. These active community members are even willing to

fund great teams and inspirational ideas. This great potential simply needs

facilitating.

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The solutionCrowdholding is designed to do exactly that - to facilitate the world’s potential

through co-creation.

There’s astonishing potential in social networks. With 80% of the developed world

going online, and social problem solving networks like Quora seeing a meteoric rise

to success, online communities are proving an incredible way for people to interact

- working together to further develop society, and enhance the user's personal

lives. Concerning capital, the World Bank estimates that the Crowdfunding market

will represent $93 billion by 2025.

The crowdsourcing space is growing, not just rapidly, but scorchingly fast.

Since July 2016 the Crowdholding team has worked hard to build the perfect co-

creation platform, attract hundreds of co-creators with diverse background and

dozens of interesting startups who needed a bit of help to become leaders in their

fields.

Crowdholding enables the crowd to validate the product, become customers and

share awareness about the product or service. The latter should not be taken

lightly. 74% of consumers make a purchasing decision from a recommendation

from a friend, family member or reviews and is still the most effective way to

communicate your product to potential buyers (Google).

The public, or the ‘crowd’ is not only able to contribute to businesses in a cognitive

or financial sense, but there’s an opportunity for a mutually beneficial scenario,

where both the public and the business can work together. Crowdholding is the go-

to place for anyone to co-create with a business, and the edge we have is that

businesses will be able to give back to the crowd via our YUPIE token.

There’s a new dawn in co-creation. As Eric Schmidt says, the next $100 billion

companies will be those who can learn from the crowd.

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Market AssessmentOpen Innovation

Innovation isn't just about the end result. It's also about the experience.

We are seeing the emergence of “an economy of the people, by the people, for the

people” (HBR, 2017). The most basic change has been a shift in the role of the

consumer - from isolated to connected, from unaware to informed, from passive to

active. Co-creation forms a new dynamic to the producer/customer relationship by

engaging customers directly in the production or distribution of value (Academy of

Marketing Science, May 2016).

In the traditional value creation process, companies and consumers had discrete

roles of production and consumption. Products and services contained value, and

markets exchanged this value, from the producer to the consumer or B2C.

However, this distinction disappears in co-creation and turns into C2B.

The market potential of this trend is illustrated by the fast growing market volume

of ideation projects (to which many co-creation projects can be counted) as a part

of the open innovation market. This volume is expected to grow to $15 billion in

2020 (Source: IbisWorld). In 2016, the fintech sector represented 15% of the co-

creation market or approximately 1.2B$. Investments of fintech companies into this

market are growing by 20% Year over Year.

To increase market adoption, it is essential to target unique user segments.

Crowdholding will first focus on payment, analytics, e-money, p2p and trading

fintech companies, aiming to take a 20% share of the fintech co-creation market by

2020. Our next step is to open the platform to e-commerce startups that are

related to blockchain already. In our last step we will target all global companies

who require capital and support.

As stated by HBR, over the past three decades there has been a 65% decline of ROI

on R&D spending. Also, Forbes reports 90% of companies fail because of poor

communication with customers. Companies clearly need additional support - from

enhancing the product experience to connecting with early adopters and

evangelist.

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On the other hand, with so many companies being launched every year it is harder

for the community to engage in the right projects and invest their time efficiently.

Current solutions lack transparency, process integrity and fair appreciation of the

community’s contributions.

A decentralized open innovation (DOI) platform fueled by YUPIES allows co-creation

and exchange ideas crossing the boundaries of the close teams and close-minded

decision makers. The implementation of blockchain based currency is crucial to

enable fast, secure, and affordable transactions around the globe at scale.

After a company creates a community around the brand and verifies the concept, it

can raise capital via token crowdsale through the Distributed Online Funding

platform which enters the Alternative Finance market described in more detail in

the next section.

Alternative FinanceThe exceptional growth of crowdsales makes it harder for the community to

support the right projects. It’s unthinkable to make an informed decision based on

a single landing page, but many do participate in this kind of a gamble. Extreme

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examples include Bancor which completed the largest ICO to date raising over

150M$. HBR expects companies to raise more capital through ICOs than any other

form of financing in 2017. ICO crowdsale investment in 2017 is estimated to

surpass 500M$ and the industry is estimated to continue growing with estimated

60% YoY growth, resulting in a market volume of approximately $2.3 Billion $ by

2020. ICO is positioned as the new ‘pre-seed’. Crowdholding aims to capture 20% of

the ICO market by 2020. ICO is a unique self-funding mechanism and still only

represents 0.05% of global alternative funding.

With so many upcoming ICOs, Crowdholding.com wants companies to increase

transparency, validate products and build a community on the DOI platform before

launching an ICO on the DOF platform. According to the “Wisdom of Crowds”

phenomenon (Journal of Business Economics, 2014), a large crowd can provide a

better assessment of the company’s potential than groups of experts. This means,

that on average, investors are better off by trusting the crowd rather than analysts.

Raising funds with the ICO token crowdsale model is notably superior to the

traditional funding methods, especially for the Pre-Seed and Seed stages.

VC ICO Crowdfunding Angel Investor

Time Months Weeks Weeks Weeks/Months

Stage Product - market fit

Pre-product Pre-product Pre-product

Value Added

Smart Money Feedback & Smart Money

Feedback Smart Money

Control Board seat None None Large Equity stake

Liquidity Low High Low Low

Companies require a shift in perspective. Ironically, the key to successful online

fundraising isn’t asking for money. It’s not aiming for the wealthy 1%. But instead,

it’s about building and engaging a community of followers in advance.

Crowdholding.com helps companies to prepare the media plan, promote and

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engage with potential community members on social media channels before

launching their token and doing an ICO.

The Crowdholding Marketplace System (DOI & DOF platforms) mitigates the risks

and deals with the volatility of the digital asset industry. With the introduction of all

new technology, the future of money and asset management morphes into the new

era of finance where there is much to gain from being aware of what is coming -

what is here.

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Product DescriptionThe Crowdholding platform is at its core a co-creation platform which revolves

around projects and tasks.

Projects - summarize the venture and provide context for tasks. Can range from an entrepreneur with an idea, to an established company.

Tasks - a challenge, discussion, question, or anything else which catalyzes discussion in the community. Content should ideally be fun and shareable, but it can be more technical or challenging.

Decentralized Open Innovation (DOI) platform

Crowdholding acts as intermediary between businesses and the public. And below

are 5 steps how it works:

1. Each month businesses solve business challenges on our platform and

attach a % of Revenue as a reward for contributing to the solution.

2. Tasks with YUPIE awards appear on news feed of new potential co-creators

who want to practice their talents and skills.

3. Co-creators share insights to enhance the product/service and get awarded

with YUPIES. The value of activity is judged by the public via votes, this

assists a project creator in finding good content. Ultimately, the project

creator can choose to use—or ignore—content as they see fit. Co-creators

whose contributions have earned votes begin earning a salary in

cryptocurrency, creating the bridge that will spread the day-to-day

applications of cryptocurrencies in the economy.

4. The % of revenue is paid to the contributors in YUPIE. We collect 10% of the

tokens as a fee for using the platform.

5. We provide businesses with ongoing project management support.

Distributed Online Funding (DOF) platform

Businesses will be able to raise capital via token crowdsale with the Distributed

Online Funding platform.

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1. First a company creates a community around the brand and verifies whether there is actually demand for its product.

2. Next the firm publishes its business concept and the crowd evaluates it.

3. When a business goes through coaching and gets final feedback from the community, businesses will be allowed to issue their own tokens.

4. The company initiates marketing campaign relying on its own already established community and our full endorsement.

5. The business then launches their ICO and continues to receive active management support from us.

The DOI & DOF Platforms Development ProcessStep 1: Bounty System

From the total amount of tokens issued, 5% will be awarded to the first 10 startups.

This will ignite the usage of YUPIES soon after ICO (February 2018) to create

engagement with our ICO investors and supporters. In order to remove the threat

of bot scammers all users must sign up via our crypto wallet (embedded). Amount

of tokens issued will last 6 months according to our calculations. Below is a chart

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showing how the bounty model works.

The basic bounty system, where businesses acquire YUPIES (either from Crowdholding or

directly from the market). Then the supporters are paid in YUPIES for commenting in tasks

issued by businesses. Later YUPIES can be exchanged to the prefered currency.

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Step 2: Crowdholding Market SystemThe Crowdholding Market System allows businesses to award YUPIES for support and supporters to invest YUPIES in businesses to help them succeed. Awarding and investing features will be implemented by July 2018. Thus, Step 1: Bounty System will last 6 months and Step 2: Crowdholding Market System shown below will be completed by July 2016. Raising funds with the ICO token crowdsale model is notably superior to the traditional funding methods, especially for the Pre-Seed and Seed stages. In our independent system, businesses share part of their revenue with the supporters who in return receives YUPIES. Supporters can then use earned YUPIES to invest back to the businesses or exchange it to other currency.

Step 3: Selling of ProductsBy July 2018 both selling and awarding YUPIES are launched. As mentioned in the

target group section, we will attract e-commerce businesses that already accept

cryptocurrency as a payment. We partner with e-commerce businesses to sell

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products receiving YUPIES as a method of payment, thus completing the

Crowdholding ecosystem.

In fully established Crowdholding market system, businesses have part of their revenue in

YUPIES, since people can directly buy products and services. Businesses offer solutions to

other businesses and to Crowdholding. All the payments are done in YUPIES.

User can buy products, services, invest and earn YUPIES, that do not depend on any

traditional institution and are as strong as the community.

Business Model

Profit Generation

Crowdholding model is based on a simple principle. Tokens issued by the startups

are backed by their revenue, so Crowdholding aims for more businesses to be

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successful. The businesses, co-creators and Crowdholding’s interests are aligned -

create a sustainable business and generate revenue for participants to share. The

token compensation model was developed by the crypto community and used for

years with community members performing escrow, translation, marketing or

other services to projects - the so-called “bounties”.

We believe that co-creation should not have any obstacles in the form of payments

for exclusive content or submission of the project. Anyone participating can earn

YUPIES, in essence the future revenue of the startup. For facilitating the token

compensation model in the co-creation process Crowdholding as platform charges

10% of YUPIES awarded to co-creators.

The Distributed Online Funding (DOF) platform will allow startups to raise capital

through ICO by selling YUPIES to the community. Essentially, businesses are

sharing revenue with their supporters. If the company is successfully funded, we

will receive 5% of the total capital.

The following graph shows estimations of our revenue for the period 2017 - 2019

for both the Decentralized Open Innovation (DOI) or Distributed Online Funding

(DOF) platforms.

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The Revenue estimations for the DOI are split between companies earning annually

<500K$, from 500K$ to 1M$, from 1M$ to 2M$ and 2M$+. The Revenue estimations

for the DOF platform are split between companies raising via ICO on our platform

<500K$, from 500K$ to 1M$, from 1M$ to 2M$ and 2M$+.

ICO DetailsRole of the YUPIE Token

1. Fuel for our ecosystem

2. Getting shared revenue - Crowdholder receives part of the startup’s revenue

in YUPIES.

3. Investing into the startups - Anyone that holds YUPIES can invest them in the

startups in exchange for their future revenue.

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4. Buying products from our startups - In the future, startups on our platform

will sell products & services in exchange for YUPIES.

5. Value holder - The more community supporters or startups use YUPIES, the

bigger demand drives the YUPIES price up.

The BasicsFor the purposes of the ICO, we will be using an ERC-20 compatible token on the

Ethereum network. We are constantly evaluating the best solutions for our token. If

there is better solution it will be later exchanged 1:1 for YUPIES.

Crowdholding will be built on Ethereum because it’s one of the few blockchains that

provides an efficient and practical toolset for smart contracts. The tokens are

meant to facilitate smooth transactions in our ecosystem, but you can read more

about the role of the token in the next part.

Token supply

YUPIES will be created prior to the ICO, and they will be capped, meaning we are

not able to create any more in the future. No inflation is intended.

631 million tokens created. 284 million directly sold to public

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Token supply is fixed, we create immediate deflationary currency that will be as

valuable as our growing community (startups and crowd) in our ecosystem.

Token Distribution

● ICO (45%) This will take place in two stages: Firstly, the pre-ico via private

channels, starting 15th Aug. Secondly, the public crowdsale, starting on Nov

1st. The success threshold will be set at $1.5M, core goal at $10M (soft cap)

and core goal+all stretch goals achieved at $50M (hard cap). All amounts will

be in ETH and calculated a day before the crowdsale starts.

● First 10 businesses on our platform (5%) Businesses will immediately start

co-creating on our platform for which they will use their first YUPIES.

● Bounty system (promotion) (1%)

● Kept as a reserve for future growth (19%)

● Allocated to the current and future team members, advisers and experts

(20%)

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● Allocation for unforeseeable expenses (10%). We want to have the deposit of

YUPIES that would be only used to solve the token-threatening situations. All

our wallets will be auditable via a publicly shared address.

Spending Allocation

The capital raised from ICO will be utilized for Crowdholding operations, marketing

and PR, legal and IT development costs.

The main focus of our expenses will be on the technical development of the

platform. However, marketing & sales will be allocated a growing importance, as

the success of the platform depends on attracting the right supporters and

businesses through diverse paid advertising tactics. Other expenses include paying

for IT infrastructure, rent, patents & trademarks. Crowdholding will be cashflow

positive soon after the launch and will utilize additional capital to support

international expansion and opening of new locations.

Pricing● Pre-ICO price: 3000 YUPIES = 1 ETH

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● ICO price: 1000 YUPIES = 1 ETH

● All unsold tokens will be destroyed.

● Following the ICO, the market will set the price based on the price traded on

cryptocurrency exchanges.

Pre-ICO Details

Our pre-ICO will last one month from August 15th to September 17th, 2017 with a

goal of raising 1250 ethereum to support the preparation of our ICO scheduled for

November 1st. All early adopters who purchase in our pre-ico will receive bonus

tokens in form of our YUPIE. Below is the bonus structure in more detail:

Bonus based on Time/Amount

5-24 ETH 25-49 ETH 50+ ETH

Days 1 - 11 30% 35% 40%

Days 12 -23 25% 30% 35%

Days 24 - 34 20% 25% 30%

Bonus based on time:

- Days 1 – 11 (August 15th to August 25th): Investors receive 20% bonus

YUPIES.

- Days 12 – 23 (August 26th to September 6th): Investors receive 15% bonus

YUPIES.

- Days 24 – 34 (September 7th to September 17th): Investors receive 10%

bonus YUPIES.

The purchaser will receive additional bonuses depending on the amount of YUPIES

purchased. These bonuses are as follows:

- Purchase with 5 to 24 ETH: 10% bonus YUPIES.

- Purchase with 25 to 50 ETH: 15% bonus YUPIES.

- Purchase with 50+ ETH: 20% bonus YUPIES.

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Therefore, the highest value a purchaser can receive is a 40% bonus by purchasing

during the first 11 days and investing at least 50 Ethereum.

Similar bonus token structure will be also used for the ICO November 1st. Except

pre-ICO contributors will receive an YUPIES rate of .33 ETH as early adopters

compared to the ICO launch rate of .99 ETH.

ICO Structure

More information about ICO launch, bonuses and bounties TBA.

For the first 10 startups participating in our ICO

1) Our first 10 startups will be receiving funds from our ICO, thus are obliged

via contract with us to share 5% of their future revenue

a) We will set up royalty agreement contract between CH and the startup

making it legally binding.

i) Contract will be under UK law giving 5% royalties to

Crowdholding Limited

ii) There will be a clause stating Crowdholding gives permission to

allow the royalties to be given to our users depending on the

number of YUPIES they have accrued over time. We will take all

additional revenue not accrued until all revenue becomes

shared on an ongoing basis. When this occurs we will take 10%

cut of the revenue being shared.

2) All startups getting an Investment from our users/supporters.

a) All YUPIES being sold in accordance with revenue % as of the logic 1% of

revenue = 1 million YUPIES.

i) The contract again will be a royalty agreement, totalling the amount

bought by the supporters between Crowdholding and the startup.

ii) a clause will state all revenue will be given out to all supporters who

own the YUPIES they purchased. We will take a 5% cut.

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Our first ten startups will be blockchain based and will mutually support our

platform. Among our startups we aim to have cryptocurrency E-commerce selling

goods in our tokens, payment provider that offers easy solution for startups how to

implement payment with our token. Also we look to partner with

hardware/software wallet integration of our YUPIE.

Token Demand & Liquidity

Since startups are sharing revenue in YUPIES, they are pushed to acquire “CH

currency” on the market, which will drive the price of the YUPIES up.

To facilitate the needed liquidity, Crowdholding will initially use an ERC-20 token for

easy acceptance on major marketplaces.

Opportunity with YUPIE token

YUPIE token is still in its infancy. The initial price of 3,000 = 1 ETH in pre-ICO shows

exactly that. Most people do not know about YUP, so the lucky first adopters

receive the best deal. When we do launch ICO the value will triple (ICO price for

1,000 YUPIES = 1 ETH). And that is just beginning, as more startups join our

platform, the more YUPIES are used to pay for services and promotion. As

businesses collaborate with the crowd and share their revenue, the crowd receives

more and more valuable YUPIES. The bigger the crowd, the the stronger the YUP.

Business Development Our diverse team of open-minded millennials is fertile ground for the realisation of

our business. Working together for over a year consolidated us in the common

sense to revolutionise the world’s economy through crowdsourcing and return

wealth to the public by providing an unprecedented token.

Achieving several milestones within our past journey made us more and more

confident about the Crowdholding concept and gave us some indication of our

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future development.

The first milestone was launching a prototype in autumn 2016, after two of our co-

founders put in USD 24,000 to start the operations, on which we could build the

basic framework up. A hundred alpha users were leaving feedback and ideas while

we collected data on how our system worked. This data was used in parallel to

work on a development domain we could later launch as our beta version with

initial 15 startups onboard.

It was in early spring, after we got our second investment from Richfox Capital and

the Vako brothersč , when the beta was successfully released to the public and we

started to run marketing and PR, which helped us being interviewed and published

in several online magazines and blogs. Beyond that we attended sundry startup

events in whole Europe, just as Pioneers, White Bull and Startup Vienna to connect

with the community, meet investors and get the word out about us. The traffic and

awareness created, supported our growth so that we onboarded (actual number)

startups onto the application from the beginning to the present date.

During beta, we learned a lot about our users and how to communicate our

philosophy to both, Supporters as well as businesses, especially startups. From the

technical side we ran through several changes and improvements so that we now

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use a Python/Django framework on the backend and a Bootstrap/LeSS framework

on the frontend, which enables separation from code and visuals besides the fact

that the Python community is big, young and innovative. Continuously improving

the application we are adding/customising features like notifications, the news

feed, user profiles and “create your own project“. The average daily user growth

rate is around 10%.

Future milestones will be our ICO in autumn 2017 and breaking the marks of 1,000

startups and 3,000,000 users on the application until the end of 2018. Sharing of

revenue by other startups is a major milestone, since that will ensure Crowdholding

to be established as the Nr.1 Crowdsourcing platform, offering ICO preparation,

realised by a trusted community. Sharing revenue by other startups means

distributing our token to more users, increasing the token flow, i.e. boosting our

market capitalisation.

Preparing the ICO, we are focusing on bringing Fintech startups to the application,

because they are the pioneers implementing the token for their own use. Having a

number of Fintech startups on the application will attract investors, insiders and

entrepreneurs to put money in the ICO, while we finish working on the blockchain

development of our platform. The token will initially be backed by 10 Fintech

startups that will be receiving 5% of our ICO or up to USD 500,000 in return for

sharing 5% of their future revenue. This will ignite the co-creation, because the

startups will be under contract to share revenue. This approach showcases our

system to be valid and eventually startups join the application themselves to share

revenue with the crowd and utilise our system. The steady evolving crypto

community will accelerate our growth until we reach the maturity stage, scheduled

for the second half of 2018.

Our moonshot is scheduled for 2019 when we want to create a secondary

marketplace for revenue futures (ie Digital Asset Management - DAM platform is

described in more detail in the Appendix), thus allowing all people to trade their

unique cryptocurrency with other people who support businesses on

Crowdholding.

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What makes Crowdholding Special?Crowdholding aims to connect the crowd (anyone from around the world) with

entrepreneurs allowing anyone to co-create with startups, therefore creating

worldwide think tanks to accelerate startups like never before. Imagine a

entrepreneur comes up with a new app concept and launches it on Crowdholding.

Within a matter of 24 hours they can have feedback, connections, possible

investors or future staff members from all over the globe.

What makes Crowdholding groundbreaking is that it benefits both the

entrepreneur and the crowd due to our innovative business model. Entrepreneurs

don’t just receive the benefit of co-creation, but also because the startup is not

sacrificing any of their equity (instead their awards are worth a small percentage of

future revenue) meaning the entrepreneur remains in complete control of their

project.

Another factor that is different in the marketing strategy, projects on the platform

can create lasting relationships with potential customers. We focus on pushing the

projects through social media marketing and through the crowd due to the fact that

the standard paid ad is becoming less and less valuable. According to WOMMA

“word-of-mouth impressions drive sales 5x greater than the equivalent number of

paid impressions.”

For the Supporters, our system allows anyone to develop their skill set, whether

you are a 20 year old college student with innovative, new ideas or a middle aged

professional with 10 years worth of experience, Crowdholding can offer the chance

to co-create, showcase your skills and build new connections. On top of that

because of the cryptocurrency we are implementing, Supporters will be able to

work and receive a digital currency for their contributions.

The TeamHere at Crowdholding, we don’t just value forward thinking, bold, educated

individuals, but also those who really believe in our vision and what we are trying to

achieve.

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Our executive team has the perfect mixture of experience, coming from some of

the biggest tech companies on the planet (Google, Skype, HP and Oracle) and

innovation allowing them to think outside the box.

Supporting staff joined Crowdholding not for a pretty wage, but to change the

world for the better. Our team is sourced from 11 countries and 3 continents giving

us a global perspective while striving to evolve Crowdholding into the ideal co-

creation platform.

Executives

Ethan Clime - CEO

An expert in alternative crowd financing, having organized and led 2 successful (Angee &

Aquajar) crowdfunding campaigns. He has spent a significant amount of time engaging

with people interested in the Crowd Economy.

Aleks Bozhinov - CMO

Aleks has Spiderman’s 6th sense when it comes to online marketing. He already has 2

startups (For Sale!; Aquajar) behind his back and having worked at Google has helped him

form a good understanding of both the startup and corporate spheres.

Chris Fronda - Blockchain Architect

Absolute genius when it comes to coding. Has developed innovative software which was

sold to a large corporation. Extremely passionate about Blockchain and with experience in

deploying Smart Contracts.

Henry Ashley-Cooper - CPO

Henry is a veteran software product designer, having worked with a number of startups

including Angee and SQLdep. Responsible for integrating the latest technologies and

methodologies in the company workflow.

Rosario Colletti - CTO

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Rosario is former Principal Engineer at Netsuite/Oracle. He is an Application developer,

solution architect and has strong experience in reports and statistics systems: log analysis,

database modeling, web user interface.

Paolo Lacche - COO

A former Product Manager at Skype & HP, Paolo has experience with both a business and

engineering background, ranging from start-up to research, from enterprise to consumer.

He’s a veteran of mobile, social, and web applications.

Marketing & Sales

Oksana - Media & Public Relations Manager - “Crowdholding is all about innovation, and I am proud to work here”

Jonny - Social Media Manager - “I joined Crowdholding to change the current landscape of the job sector.”

Giga - Account Manager - “Crowdholding is changing the very concept of co-creation, that’s why I joined the team.”

Fabio - Acquisition Manager - “I believe that with the team we have, we can achieve anything, and i am glad I can say that I am part of that team.”

IT

Tomas - Back-end developer - “I joined Crowdholding because I believe they are doing something very special”

Ilya - Front-end developer - “Crowdholding is really onto something, The world needs change, and Crowdholding is that change.”

Daria - Front-end developer - “I started here as an intern, and after the first day I knew that I wanted to stay.”

Legal & Finance

Milan - Financial Advisor - “From my educational background, I can see what they are trying to do and I support it”

Howard - UK Lawyer - “I have known the executives for a long time, and they have the perfect chemistry to achieve something great.”

Amy - US Lawyer - “What Crowdholding is trying to achieve is bold, fresh and game changing.”

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Legal Compliance

Company Registration Crowdholding.com’s parent company is located and registered in the UK at: Office 7

35-37 Ludgate Hill London. Registration: 10301063

Token ComplianceCrowdholding is working with outside legal counsel to ensure full compliance.

However, the emerging cryptographic token space is sparsely regulated right now.

Our goal is to be as compliant as possible within such a regulatory environment,

and some have raised the possibility that US securities regulations could apply. For

the question of whether they apply, the appropriate framework is the Howey Test

established in SEC v. Howey [14]. Our understanding and interpretation of this test

is that YUPIES are not classified as securities because 1) ownership of YUPIES does

not provide any ownership or related rights in a company, 2) YUPIES are deployed

in production and have real utility via the crowdholding service, and 3) YUPIES

serve a distinct function more akin to application credits than a financial

instrument. That said, the contents of this document do not constitute legal advice

and we encourage prospective purchasers with concerns to consult with an

attorney. We expect the regulatory environment to evolve as the cryptocurrency

space matures and we will do everything we can to maintain compliance.

The tokens have not been and will not be registered under the United States

Securities Act of 1933, as amended (the “Securities Act”), and may not be offered or

sold in the United States or to or for the benefit of US persons (as defined in

Regulations under the Securities Act) unless they are so registered, or an

exemption from the registration requirements of the Securities Act is available. One

such exemption allows the resale of tokens purchased for their own account and

for investment purposes only by investors who (i) are not otherwise affiliated with

the Polybius Foundation, (ii) have been exposed for some me to the economic risks

that ownership of tokens entails, and (iii) are not part of the distribution of the

tokens.

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Appendix

Digital Asset Management (DAM) platform

As more new ICOs (Initial Coin Offering) are launched almost weekly, first-time

investors face the challenge of how to invest and manage various fast-growing

digital assets in the most advantageous way. The vision of Crowdholding is the

Digital Asset Management The DAMp - a transparent fund management tool where

novice investors as well as traders with knowledge are able to invest even small

amounts, having access to the community on the DOP platform and reports about

current & past performance of the assets.

Investing in these digital assets can be done by putting money in hedge funds

specializing in such assets. However, fund auditing practice can be hard to

understand making it difficult to compare fund performances. A second obstacle,

is the financial burdens of establishing a hedge fund which arguably also restricts

competition between hedge funds resulting in qualitatively inferior hedge fund

performance. The third obstacle is the out-of-date technology used in hedge funds,

creating a lot of inefficiencies.

The value and significance of these digital assets has increased dramatically over

the last few years and the DAM platform will reorganize the asset management

market. Essentially, participants can set up, manage and invest in digital assets in

an open, competitive and decentralised manner.

The DAM is:

● Open-source and transparent. Set management track-records are

transparent and auditable by everyone everywhere at any time.

● Modular and inclusive. DAM platform is built from the start to be ever-

expandable and flexible.

● Lowers costs and time. By using blockchain technology, fixed and variable

asset management costs as well as time requirements drastically reduce.

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● Decentralised and reliable. By having decentralised storage and execution

one can mitigate of today’s world inefficiencies such as custody, counter-

party and settlement.

Crowdholding realizes the potential of the digital asset management industry which

is growing at astounding rate, up from a market cap of 7.93 Billion $ in 2016 to

24.15 Billion $ in 2017 and is continues to grow. Crowdholding’s DAM offers a more

decentralized option to manage digital assets. Crowdholding wants to capture 20%

of this market by 2022.

The Crowdholding ecosystem (DOI, DOF, DAM) mitigates the risks and deals with

the volatility of the digital asset industry. With the introduction of all new

technology, the future of money and asset management morphes into the new era

of finance where there is much to gain from being aware of what is coming - what

is here.

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Case Studies

Fishpointer AppThe world fishing map.

Increased awareness and tripled App downloads for 65% less marketing

spend!

Background

Fishpointer is the app which has created world’s first fishing map. Fishpointer

combines maps with social tools in order to connect anglers with the latest news

from their preferred locations (fishing spots, fishing stores, fishing resorts, events

and many other points of interest).

Fishpointer identified internet marketing as a promising opportunity; therefore

they were actively looking for reliable digital marketing strategies:

Objectives

1. Increasing awareness and spreading the word bout newest App

2. Looking for the reasonable and valuable feedbacks

3. Increasing the number of App downloads

How objectives were achieved

● Making modernized app available for Android, IOS and Desktop

● Posting various tasks and news using crowdhlding.com (apart of the

reasonable feedbacks from the crowd, Fishpointer’s news have been shared

throughout crowdholding’s social media channels)

● Actively following up with the discussions (given feedback) conducted on

crowholding.com

Raising awareness and spreading the word

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Key results

● Increased awareness, many questions and feedbacks from the potential

customers

● Trippled App downloads within the 3 moth by 65% reducing marketing costs

Fishpointer’s director George Dragne says

Issuing new product on the market was challenging for us, therefore Fishpointer

had realized that without feedbacks and social media there was no way to success.

Crowdholding appeared to be the most relevant platform for Fishpointer in terms

of co-creation and marketing. We have been part of the Crowdholding for 3 month

and We are going to be the part of it for a long time.

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The overall results were amazing; We have tripled App download rate and reduces marketing costs by 65%. In addition to that we have built huge community of our product lovers from all around the world.

TutorlandProvides online classes and students learn by doing

More Traffic, Less Marketing Cost, Lead Volume Doubles!

Background

Tutorland.de is one of the best virtual classrooms in the world. With Tutorland the

tutors can hold live online classes and the students can learn without leaving their

home.

The company directors identified online marketing as a critical sales channel.

Tutorland.de used PPC advertising with costly advertising. However, high online

marketing costs proved to be an ongoing challenge.

After experiencing a sudden cost spike and unsustainable lead costs, Tutorland.de

approached Marketing Results with the following objectives:

➢ Position online learning -as a fastest

➢ Generate more leads at lower costs- with multiple methods (using

crowdholding.com)

➢ Implementing and testing new ideas

➢ Creating Demo videos and Whiteboard explaination video

How objectives were achieved

1. Redesigned website with a modernized look and feel and stronger focus on

lead capture.

2. Posting various tasks on Crowdholding and getting feedback and solutions

regarding the issues from the crowd.

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3. All the news and tasks posted by Tutorland.de were shared throughout

Crowdholding’s various social media channels.

Key results

✓ Website conversation rate increases by 40%

✓ Profitability and growth improve dramatically in line with goals and

projections

✓ PPC cost drops by more than 65%

✓ Lead generation volume increases drastically by 85%

Tutorland.de director Milko Filipov says

We know the importance of the Internet, but at one stage our traffic costs got out

of control and we needed fast and effectively come up with the new ideas

regarding our platform design, Demo and Explainer videos. Owing to Crowdholding

we have managed to overcome all those obstacles without any problem within the

3 month since crowdholding.com was launched. Therefore, I think Crowdholding is

very useful webpage for startups and SME’s

The overall results were amazing; we have increased the volume of leads by 85%

and dramatically cut the PPC costs by 65%.

We have a number of plans for Tutorland.de over the next year and naturally, we

will seek the help of Crowdholding again.

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