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Today’s consumers have choices. People are finding new ways to interact with money and the traditional banking system is not offering the innovation necessary to keep up. Since the introduction of cryptocurrency 10 years ago; it has gained rising acceptance globally. Studies show that there are 60 million unique users in 2017; who actively use a crypto wallet to send; receive and store currencies.Crowdbank.io solves problems faced by traditional banking customers; while meeting the demands of cryptocurrency its clients. CrowdBank is a repository for the cryptocurrencies of the users; that is why it is a full service cryptobanking solutions provider. The most important step in moving cryptobanking to the mainstream will be to enable ordinary people to use cryptocurrencies in the same way as they can other currency.The six main products that CrowdBank will offer are:1. Exchange � Users will be able to exchange cryptocurrencies into other cryptocurrencies.2. Debit card � CrowdBank allows payment in cryptocurrencies to retailers/merchants that possess an NFC payment service such as Apple Pay; Samsung Pay or Google Pay. Clients could convert their cryptocurrencies into fiat money and vice versa.3. P2P payments – CrowdBank banking platform can be used to create a more direct payment flow that connects payers and payees; across borders or domestically; without intermediaries; at ultra-low fees and almost instant speed.4. P2P loan- Clients can lend to and borrow from one another. Payment terms and rates are clearly defined; agreed on; and fast to execute. This is done in a transparent manner as secured smart contracts are deployed.5. P2P insurance � CrowdBank provides a risk sharing network where clients can pool their premiums together to insure against risks. If the pool depletes; Crowdbank has private reinsurers to fill the shortage.6. Borderless movement of USD � Moving money from country to country will be easy with CrowdBank�s digital currency; that is 1:1 pegged with USD/EURO/RMB.The CrowdBank Edge:A. Privacy-enhanced � In most blockchain systems; transaction records are available in the public domain. CrowdBank ensures all transactions are anonymous as it deploys ring signature algorithm.B. Censorship Proof � CrowdBank has built-in support for OBSF4; an obfuscation protocol that hides the nature of the traffic that goes through it. By incorporating OBFS4; it is possible to use CrowdBank even in countries where government attempts to restrict or monitor blockchain access.C. Encrypted Chat between clients � CrowdBank takes the privacy of clients very seriously. All chats or conversations are encrypted so no one can track or review any code. D. Hack proof � Blockchain stores information across a number of computers. Because information is scattered over a vast number of locations; this renders the network decentralised and hence makes hacking CrowdBank near impossible. To further enhance this feature; CrowdBank adopts 4-tier security.E. Instant transaction � Neo Protocol can process each transaction in seconds; as compared to the two most popular blockchain protocols; Ethereum and Bitcoin; which takes minutes.F. First user friendly cryptobank on Neo � The Neo protocol is the only protocol recognized by the Chinese Government; which means Crowdbank has direct access to one of the biggest markets for cryptocurrency.CrowdBank is UNLIKE any other banking or payment blockchains out there. We have the unique vision to make cryptobanking easy; social and practical amongst cryptocurrency and fiat currency users. Our goal is to empower individuals and businesses by creating a decentralized and inclusive financial system. CrowdBank will take the banking blockchain by storm.




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