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  On a mission to capture the voice of public opinion and influence a change in society, DEFACTO aims to deliver a voting and polling solution on the blockchain to create a ‘Better World Through Fair Voting’.

There has been a long-held belief that traditional voting is fundamentally flawed due to a lack of transparency, being centralised as a process and system makes it susceptible to manipulation and public scepticism. The team at DEFACTO clearly believe that blockchain technology offers a better, cleaner solution.

Covering all areas of daily life from consumerism, politics, education, health, infrastructure and justice, DEFACTO is being established as a truly decentralised and borderless platform for users to propose and cast votes, helping to define policies and shape the society and communities in which we live. 

DEFACTO’s platform addresses key issues with the way in which voting currently takes place and coordinates activities on the blockchain on a bespoke crypto platform. There is a clear focus to facilitate private transactions and fair polling on the blockchain, whilst rewarding users through a generous proof of stake system… making DEFACTO a Proof of Stake, Privacy & Polling Digital Asset:

  • Proof of Stake (POS): Accrue annual profits and compound interest using our Proof of Stake (POS) system. Generous rewards in place for nodes who stake their DEFACTO coins.

  • Privacy: Choose to remain anonymous on the blockchain with our bespoke ‘Spectre Protocol’ which incorporates the latest blockchain security features.

  • Polling & Rewards: Submit your opinions and propose items to be polled on our decentralised dynamic voting system cast as an immutable ledger on our bespoke blockchain platform. Get rewarded for your efforts and contributions to the platform and product.

Funding for this project will be raised through a crowdfund pre-token sale and token sale with the proceeds being utilised to further develop the product and platform. The token sale will start on 17th August 2018, ending when the hard cap of 102,400,000 tokens has been issued to investors.

For early investors DEFACTO are offering a generous bonus structure:

  • Pre-Token Sale 07:00am on 17/08/2018 for a period of 3 hrs = 30% Token bonus
  • Pre-Token Sale Day 1 to 8 = 20% Token bonus
  • Pre-Token Sale Day 9 to 20 = 15% Token bonus
  • Token Sale (After Day 20) = 10% Token bonus (>10 ETH)

Further information regarding bonuses along with use cases and a more detailed breakdown of token distribution can be found in the DEFACTO whitepaper, while announcements can be followed by subscribing on our channels, for complete information, please visit our website.

Transforming the Distribution of Wealth Worldwide

 At Cardonio, we believe that cryptocurrencies have the potential to change the world. They can radically transform the entire distribution of wealth in many parts of the globe and provide the two billion unbanked people access to the same type of financial services that everybody else has. Cardonio continually develops financial products that solve real problems prevailing in most communities in our world teeming with millions of people seeking ways as well to better their lives.
 The Cardonio Core Team
 The core management team of Cardonio is made up of executives with global experience from some of the most innovative companies within the financial services and technology sectors. We believe we have the right team of experienced and capable professional managers who can execute real change, as our leadership team has spent the best part of 15 years developing digital payment and banking solutions on a global scale.
 Included in our team of experienced managers are the following top executives:
 Alan Chang, Chief Executive Officer
 -An entrepreneur with extensive expertise in business strategy, management and development.
 -Successful track record in buy-and-build projects, along with the ability to raise senior-debt facilities.
 -Extensive experience in building and leading diverse, high-performing teams.
 -Passionate about maximizing profitability and building organizational efficiencies through system and operational optimization.
 Ryan Slater Chief, Technical Officer
 -An experienced IT professional involved in Board-level global responsibilities.
 -Specializes in providing value-driven, Agile software development.
 -Currently engaged in the Financial Services sector.
 -Possesses comprehensive experience in Cloud services, Payment Systems/E-commerce, Insurance Claims, Business Continuity, Business Intelligence and Data Management.
 Jeff Thompson Chief Financial Officer
 -Highly motivated individual and constantly seeking ways to be challenged.
 -Has a tested track-record, specializing in providing the highest value to the organization he represents.
 -A commercially-astute finance professional able to create value across various industries.
 -Has an extensive grasp of all professional accounting practices, delivering financial and
 strategic solutions over a wide range of financial concerns.
 James Nguyen, Advisor
 -Founder at KriptoA which is known by the global blockchain community as a blockchain ecosystem including: KriptoA Media, KriptoA Trade, KriptoA PR & Marketing.
 Navii Kapoor, Advisor
 -Newly-designated financial advisor
 -Possesses many years of wide experience in financial solutions
 Our team possesses clear vision and is motivated to face the challenges of the present and the future under any circumstances and any cultural environment.
 The Core Product
 Cardonio offers its customers a unique Credit Card with an instant approval credit limit. Our customers can use their crypto as their invested assets within our platform which will serve as basis for determining the amount of the credit limit that they will allowed to avail of. Nevertheless, the credit limit has a dynamic nature and is calculated in real-time according to a number of key factors, which, necessarily, include the value of the crypto at that point in time. With the phenomenal rise of crypto values in recent years, customers can benefit from the potentially profitable growth of this innovative financial medium through our services.
 Making Customers Secure
 Every customer’s crypto account is put in a very secure cold storage vault and used as a security deposit every time the customer spends fiat money, such as paying for a dinner or for groceries. Cardonio merely holds a customer’s crypto and maintains it into the cold storage once the customer
 swipes his or her credit card for any transaction in fiat. The customer will then have 90 days to settle the outstanding amount and also pay an additional small fee upon settling their due account. In the event that the value of crypto goes down, Cardonio’s systems will automatically place a sale order on the crypto of the concerned customer and then proceed to close out the outstanding account in order to assure that the customer will not carry any liability in the process. As you can see, this procedure makes Cardonio Credit Card, in tandem with a customer’s cryptocurrency, an extraordinarily useful means of managing finances for many individuals in communities worldwide.
 At any given time, the customer may opt to top up their crypto assets in order to increase their buffer of security, as well as to prevent a sell-off.
 Cardonio’s Processor Partner
 As an additional support and advantage for the company and its customers, Cardonio has established a key white-label partnership with a processing platform that is a MasterCard® and Visa® accredited processor. They possess a Level 1 PCI DSS compliant accreditation with the said reputable companies. Cardonio’s processor-partner operates out of the UAE and provides an end-to-end solution to its clients, which includes the following features:
 -payment processing of a customer’s account -program management tools
    -custom software development
    -financial management and reconciliation -technical support and
 -card-holder customer services
 Cardonio leaves no stone unturned in bringing top-quality service and convenience to its global customers.
 Cardonio’s Business Model
 At Cardonio, we believe in having a very simple and straightforward business model that is both realistic and effective. Our Business Model has been specifically designed to provide a clear roadmap forward with achievable goals and in accordance to the ordinary, as well as special, needs of our customers throughout our multi-cultural global community.
 We at Cardonio have established has a fiat-to-fiat relationship with our third-party credit card processor, while we will hold large amounts of fiat currency in escrow to allow our members a seamless crypto-to-fiat experience for every transaction they will make. The platform and technology that we have developed to date within our organization, as well as with our partnership, is very secure and satisfies the standards of world-class companies.
 Banks have served millions throughout the years in many ways; however, with the introduction of crypto and such platforms as Cardonio’s, more and more people will be convinced of the advantages of our Business Model as well as of the benefits of using our various products and services.
 Cardonio Products
 Cardonio offers the various products to its customers according to their level of crypto accounts and to their particular financial goals in mind. Below is a summary of the products:
  • Standard Credit Card
  • Frozen White
  • Limited Edition Gold
  • Limited Edition Black
  • Standard Blue, Red & Green (This allows a customer to avail of the following benefits
    • 0.25% cash back on all purchases
    • $500.00 monthly withdrawal limit (2% transaction fee thereafter)
    • $500.00 monthly Person to Person transfer limit (0.5% transaction fee thereafter)
    • Unlimited supply
    • No monthly or annual card fees
 To obtain a Standard Cardonio Credit Card, you need to purchase a minimum of 500 CFGT tokens. No waiting periods apply for this card since anyone can get this online almost instantaneously.
 Token Sale Schedules
 Cardonio (CFGT) is an ERC20 Ethereum token. Each phase of the token sale will run for 30 days; and once sold-out, every new phase will begin automatically thereafter.
 Based on Cardonio’s Business Plan and specific projected program, the Token Sale began on August 15th 2018, with an initial offering at 0.02c. This price point will increase through several phases with the ICO ultimately closing at $1.50 per token by Feb 2019. The ERC20 token sale has a soft cap of 220 million tokens, hard cap of 360 million and a maximum supply of 550 million, the extra being held in reserve for a later date if needed.
 Cardonio simplifies Things for You
 It is quite clear to every reader how simple and direct our Business Model really is. We have taken out the fanciful nature of doing business in all its aspects. Moreover, the customer is assured of quick service and transparency, particularly since they will not have to worry about the fine print because the is no fine print to speak of, in the first place!
 This is why we at Cardonio can look every one of our customers straight in the eye and tell them what we can offer and what they will benefit from us. For we say what we intend to do and do what we intend to say. Now, it is time for you to prove it for yourself.

Safeguarding sensitive information against encroachments of various intruders has become one of the most burning issues in our age of highly advanced technologies. It's not a secret that even the data protection systems of high reliability, which are utilized by huge transnational corporations and political organizations, are prone to being compromised by third parties. The infamous cyberattack on the data centers of the Democratic National Committee can serve as the most spectacular example of such vulnerability. This intrusion resulted in the theft and subsequent promulgation of the confidential correspondence between the party members that allegedly had a significant impact on the outcome of the election in the U.S
Nevertheless, when there is a problem, there is a solution. The active development of blockchain had a positive effect on the area of online finance, so now it's time to introduce this technology into the sphere of distribution of sensitive information and protection of valuable digital assets. P2P Solution Foundation, comprised of fintech and blockchain experts from various countries, decided to tackle this issue head-on.

P2PS Mission

P2PS (Peer-to-Peer Solutions) is an innovative blockchain-based peer-to-peer platform which provides its users with an opportunity to directly exchange digital files and assets, without possible intrusion by any third party. Such exchanges or transactions can't be meddled, altered, delayed or canceled by anyone other than the peers (direct participants in the process), even by the network or system administrators. The primary mission of P2PS is to ensure the thorough security of the process of storing and transferring sensitive information and valuable digital assets within the framework of the peer-to-peer platform that will subsequently transform into the fully-fledged ecosystem.

What kind of data can be protected via P2PS?

P2PS is the overly-protected peer-to-peer platform that provides the unique means for secure long-term storage/transfer of any kind of data, archives, documentation, and even valuable digital assets between two independent nodes without even the slightest possibility of intrusion from a third party. The P2PS technology will allow users to carry out secure transactions of the following digital data:
Confidential banking information, including customer databases, annual and quarterly reports, transaction history;
Medical records: patients' medical history, reports on public and public procurement of pharmaceutical drugs, patient database;
The data of national importance: the widest range of documents, from transcripts of political negotiations to the information concerning government contracts from the military-industrial complex;
Business information: customer database, tax data, employees' personal information.
Sensitive personal information: personal records, photo and video archives, wills etc.
It is safe to say that the P2PS platform is a unique and unparalleled development. None of the existent platforms can match the level of data transfer security guaranteed by the P2PS Foundation.

P2PS Token

The ERC-20 compliant P2PS token will become the main driving force of the platform. The purchase of the certain quantity of tokens will be mandatory for all users of the P2PS platform because this token serves as the means of payment for gaining access to various features and the investment in the further development of a secure and intrusion-free P2PS ecosystem. Starting with Electronic Learning Inc. and Innovative Solutions International Inc., over the course of time, the P2PS token will fully replace the licenses that users are currently required to purchase in order to use all benefits of this peer-to-peer communication platform.

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