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BitMinutes (BTM)

ICO

Prepaid airtime token to provide low-cost financial services to the world’s two billion unbanked consumers.

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Overview

Project industryFinance Services & Banking
Product typeCryptocurrency
FoundedLiechtenstein

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What is BitMinutes

BitMinutes Solution: “Better than Bitcoin for Billions

  • BitMinutes’ vision is to make mobile financial services affordable and ubiquitously available to consumers across the globe. BitMinutes are a mobile digital currency, backed by a commonly used asset (prepaid minutes) enabling consumers, carriers and financial services institutions to increase their access to capital.
  • BitMinutes combine prepaid airtime with blockchain technology unleashing a new, innovative crypto-currency for mobile financial services: BitMinutes (“BTM” or “BTMs”). BitMinutes are encrypted tokens powered by P2P Cash’s proprietary Smart Token technology. BTMs create secure interoperability between disparate global financial networks, mobile network carriers and emerging blockchains, enabling frictionless exchange of value between those networks.
  • As an Ethereum ERC20-compliant token, BTMs allow for a more efficient and decentralized mobile ecosystem across carriers, financial institutions, merchants and end users, both businesses and individuals. The underlying protocol provides capabilities for the holder of a BTM token to create outbound remittances to any compatible mobile wallet for delivery of monetary value. That BTM token can instantly be converted to prepaid airtime issued globally by telecommunications carriers and utilized by 4 billion mobile phones or convertible to cash in over 70 countries.
  • BitMinutes technology harnesses the decentralized power of the Ethereum blockchain by leveraging the digital ledger behind user data for making purchases, transferring money, generating loans and using airtime. By leveraging artificial intelligence, this “Big Data” payments and usage history can be utilized to calculate a proprietary “TAN Credit-Score” algorithm for use in micro-lending.
  • BTMs are redeemable for mobile data, money transfer and eventually retail purchases through the Trusted Agent Network (TAN). BTMs enable the provision of financial services by an ecosystem of carriers, financial services institutions and merchant retailers.
  • Selling and lending BitMinutes based micro-loans creates a business opportunity for entrepreneurs globally. BitMinutes turn the corner retailer into the corner banker, delivering banking services to the smallest of villages and towns worldwide.
  • Unlike most new technologies in the ICO space, BitMinutes currently operates a live technology platform generating revenue as the underlying currency to the P2P Cash money transfer platform.

    Led by Harvard Business School and Stanford graduates with decades of financial services and technology experience, BitMinutes is quickly establishing itself as the leader in affordable consumer financial services and strategic partner to prepaid wireless carriers and financial institutions globally.

    BitMinutes solve the global banking problem of providing financial services to the 2 Billion un-banked and therefore are “Better than Bitcoin for Billions”.

    Every day, billions of consumers use a virtual currency they most likely do not realize is a virtual currency: Prepaid Minutes, issued as a special purpose currency by over 300 carriers globally. The issue is that these prepaid minutes can only be used on their respective proprietary networks for either voice and/or data services (a “walled garden”).

    Consequently, the underbanked are limited in their access to liquid assets. Physical cash cannot easily be transferred over long distances and prepaid minutes are illiquid, i.e. lacking convertibility back into cash. The consumers stuck in this paradigm want inexpensive financial services, but traditional banks and legacy money transfer companies lack reach and affordability.

    Based on international banking standards (ISO), BitMinutes solves these problems on a global basis. BitMinutes unify these proprietary currencies around a common global standard, enabling prepaid minutes transfer to 4 billion mobile accounts, and convertibility to cash as well as the potential for lending.

    BitMinutes’ convertibility to cash solves the major hurdles in providing financial services to the underbanked. Consumer benefits include affordable and easy retail access to money transfer, micro-credit, and virtual MasterCard products for e-commerce purchasing.

    BitMinutes also solves for structural issues in delivering these consumer services. The carriers desire to offer financial services to their customers, but lack the infrastructure and data analysis tools to make underwriting decisions. For retailers, selling the BitMinutes brand of prepaid minutes greatly simplifies their need to carry multiple prepaid carriers’ products. Plus, by offering new financial services, they now become a next-generation corner banker.

    BitMinutes represent a business opportunity to entrepreneurial individuals, retail merchants and telecommunications carriers to offer financial services cost effectively. By reducing money transfer costs, adding liquidity to a major global asset class of prepaid minutes and establishing credit history for the global underbanked, BitMinutes will raise the standard of living in many countries, greatly expanding the middle class to the benefit of all.

    Details

    Pre-sales: Mar 01, 2018 - Apr 30, 2018
    Public sales: Apr 30, 2018 - Jul 23, 2018
    Pre-sale token supply: 6,800,000,000 BTM
    Token supply: 3,400,000,000 BTM
    Total tokens for sale: 2,010,000,000 BMT
    Soft cap: 2,000,000 USD
    Hard cap: 30,000,000 USD

    Legal

    Blockchain Platform: Ethereum
    Registration country: United States
    Registration year: 2017
    Office address: 735 Ebenezer Rd. Roswell, GA 30075

    Token info

    Ticker: BTM
    Type: Utility-token
    Token standard: ERC-20
    Token price in USD: 1 BTM = 0.1 USD
    Accepted currencies: ETH, BTC, Fiat
    Token distribution:
    30% - ICO
    50% - Future Loans
    20% - Prepaid Minutes
    Funds allocation:
    67% - Smart loans
    19% - Marketing
    12% - Operations
    2% - Treasury/Overhead

    Offices on the map

    BitMinutes Roadmap

    1
    2012

    > Harvard/Stanford team launches P2P Cash Incubator to develop global FinTech applications.

    2
    2013

    > P2P Cash wins Top Ten Global Strat-Up Award from SWIFT.
    > Former SWFT CEO Joins Advisory Board.

    3
    2014

    > Free Money Transfer JV with largest retail bank in Africa.
    > P2P Cash wins Top Ten Global Start-Up Award from SWFT (2nd year)

    4
    2015

    > P2P Cash wins Harvard Business School Top Ten Global Start-Up Award.
    > P2P Cash integrates its network with Masercard’s 1.2 billion bank accounts.
    > P2P Cash integrates to Ripple

    5
    2016

    > Asset-backed BitMinutes released (1st generation).
    > Free Money Transfer to 70 countries is instituted with BitMinutes.
    > BitMinutes integrates to Ethereum

    6
    2017 (present)

    > Over $2.5 million invested to date.
    > Multi-currency ERC20 compatible wallet released

    7
    2018 (Projected)

    > Initial coin offering (ICO) (april 30, 2018)
    > Guaranteed loan app released (BitMinutes as Escrow)
    > Trusted agent network (TAN) app available
    > 100,000 co-branded TAN agents: Mexico, India, Philippines, Vietnam
    > Mobile mining app available
    > Hi-speed eFiat trading platform available
    > Potential acquisitions increase TAN agent count over 300,000

    8
    2019 (Projected)

    > 20+ million BitMinutes customers.
    > 500,000 TAN Agents.
    > $2 billion low-interest global loan portfolio.

    Project team

    Tom Meredith
    Tom Meredith
    CEO, Stanford Engineer, Harvard MBA
    Tom Meredith linkedin
    Morris Mwanga
    Morris Mwanga
    CTO, Moi University, Kenya, Kennesaw University, Masters Computer Science
    Morris Mwanga linkedin
    Paddy Atmuri
    Paddy Atmuri
    CFO
    Paddy Atmuri linkedin
    Peter Carruthers
    Peter Carruthers
    Head of Banking, Compliance & Foreign Exchange, Fordham MBA, NFA Licensed
    Peter Carruthers linkedin
    Kern Lewis
    Kern Lewis
    Head of Marketing
    Kern Lewis linkedin
    Donald Chapman
    Donald Chapman
    Head of Business Development
    Donald Chapman linkedin
    Amadeo Radillo
    Amadeo Radillo
    Head of Latin American Operations
    Amadeo Radillo linkedin
    Peter Krause
    Peter Krause
    Head of Engineering
    Peter Krause linkedin
    Juan Soto
    Juan Soto
    Head of Merchant Relations
    Juan Soto linkedin
    George Iacovacci
    George Iacovacci
    Head of Social Media
    George Iacovacci linkedin
    Maxine Alagar
    Maxine Alagar
    Head of Operations
    Maxine Alagar linkedin

    Advisors

    Leonard H. Schrank
    Leonard H. Schrank
    Former CEO of SWIFT
    Leonard H. Schrank linkedin
    Brian W. Smith
    Brian W. Smith
    Former in-house counsel at MasterCard and the OCC
    Brian W. Smith linkedin
    Tim Draper
    Tim Draper
    Founder at Draper Associates/DFJ/Draper University
    Tim Draper linkedin
    David Drake
    David Drake
    David Drake is the Chairman of LDJ Capital
    David Drake linkedin
    Max Smetannikov
    Max Smetannikov
    Max Smetannikov is the CEO of Marlboro Victor Group
    Max Smetannikov linkedin
    Wayne Johnson
    Wayne Johnson
    Managing Director, Raymond James Financial
    Wayne Johnson linkedin
    Steven Kraus
    Steven Kraus
    UNAIDS Regional Director, Asia & Pacific
    Steven Kraus linkedin
    Pablo Coirolo
    Pablo Coirolo
    Founder/Managing Partner at light47
    Pablo Coirolo linkedin

    Social media

    BitMinutes web-siteBitMinutes MediumBitMinutesYouTubeBitMinutes TelegramBitMinutes BTCTalkBitMinutes LinkedInBitMinutes TwitterBitMinutes Facebook

    MVP

    Google Play

    User rating:

    5/5 ( 1 )
    0

    BitMinutes rating

    7.1
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