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What is Tropitoken? - a UBS (Urban Blockchain Society); a self-governance of (digital) communities for collective actions - a project to build up sustainable future concept location supported through the blockchain technology to manage resources for living more efficiently - a decentralized community spreading around the globe with modular housing concepts which will be supported through smart contracts and blockchain applications Community - Tokenholder receives rights for voting and proposals (see token) - Tropitoken Foundation will be established after Presale in Switzerland and belongs to members equal to their shares (=amount of token) - Community vote will lock prices in TPN eco system for a certain period of time Housing - modular and scalable housing concepts to establish highest quality living standards with sustainable and intelligent technology: lightweight construction buildings like container and dome houses with smart home features BEGIN NOW WITH US - https://tropitoken.org/main/home - sustainable and decentral energy and water supply through renewable concepts f.e. wind and solar; we grant security of energy supply is through biogas plant which will also decreases biological waste Token: - 11.1 Bn TPN Max.-Supply - 100 Mio -> Presale - 11 Bn -> ICO - provides Voting rights according to amount of tokens but only max. 5% of per user wallet to avoid to much power for single user decisions - proposals can be submitted by every wallet holding more than 10k TPN - ICO SoftCap 15 Mio.€, HardCap 300 Mio.€, - TPN is the official payment currency in our community location(s) Timeline: - Tropitoken ICO – team will provide two different initial concepts to the investors: a central headquarter or 2-3 decentral and smaller communities - Tropitoken ICO team will supply modular living complexes our location with - in the following sections housing, tourism, working spaces, leisure activities (bars, sport fields), energy, agriculture, security, inform - everybody who participated in Presale can provide own concepts of the project - community will vote directly after ICO about favorite project. - detail planning of voted concept will be done by professional engineering companies - execution will be done by experienced building companies starting approx. 6 months after ICO with the ground infrastructure - On Long – term we would love to see Tropitoken communities in most of the worlds countries Team: - represents the tpn project - develops the blockchain application for voting and proposals (alpha version during Presale) - Establishment of Foundation in Switzerland after successful Presale (Presale is advised by DecentraLabs GmbH in Germany) - legal clearance of concepts - supervising / administration of project planning & execution - connecting different modules and communities in different countries through the blockchain - searching for partners and supporters

L-pesa - http://kriptonofafrica.com L-Pesa is a financial technology platform providing new financial tools to consumers and small business in Africa and Asia. We allow people to create opportunities for themselves and their families. Borrowers on the L-Pesa platform use funds to start or grow a business, pay for education or otherwise support their ambition in life. Using a dedicated token on the blockchain means that all investors can benefit from the capital gain caused by the network effect. The coins are finite in supply, and as L-Pesa expands people can pay back their loans with the coins. People will also be able to use to LPK buy goods and services. About L-pesa L-Pesa Microfinance is a fintech startup poised to take advantage of the fast-growing need for financial services in the developing world. The company has validated its operating model over the past 18 months and has built sophisticated technology, automating most of the operation. Its primary barrier to growth at this point is its ability to fund user acquisition and loans. The loss ratio on loans runs below 10% while return on loans is approximately 25%. The idea for L-Pesa was incubated for a decade, and the business was launched at the time four important market forces converged to allow scaling: Big Data, Artificial Intelligence & Blockchain Alternative Credit Data Mobile Technology Biometric Identity L-Pesa has harnessed these market forces and built technology and a proprietary credit scoring model that allows it to quickly scale microlending in developing countries while keeping loss ratios below 10%. The solution is highly automated, allowing a small back office team to support high volume loan origination. All loans are serviced by L-Pesa. Ron Ezra Tuval, the founder and managing director of L-Pesa, has extensive experience in the developing world, primarily related to technologies-related agriculture and tourism projects. Ron first came across microfinance in South East Asia and spent a decade incubating the idea of L-Pesa while waiting for the required technology to mature. Ron has built a strong and diverse team for L-Pesa with in-country managers operating in Tanzania, Kenya, and Uganda, and a development team in India. There is also a back office team in Tanzania, Kenya, and Uganda handling background checks, credit approvals and customer service. The technology, marketing, and accounting teams operate on a virtual model and consist of experienced staff based in Europe, USA, and India. L-Pesa has a strong focus on automation. 95% of the user acquisition and loan underwriting process is automated and therefore extremely scalable. The company has spent two years developing its customer-facing and back office systems using a team of seven software developers. The user 832754982.1 4 experience is based on mobile and web interfaces, and marketing is primarily handled via social media and SMS-based marketing. L-Pesa’s technology stack is built on top of Amazon Web Services, an extremely scalable on-demand cloud computing platform which has been or is used by major brands such as Netflix, Airbnb, Pinterest, and Spotify. L-Pesa has integrated a number of third party applications to perform tasks such as SMS messaging, user verification, and marketing. Funds transfers are handled via integrations with mobile money service providers such as M-Pesa, Tigo Pesa, and MTN. L-Pesa has issued over 35,000 loans since going live in March 2016. Over 160,000 users have registered based on social marketing campaigns run on a minimal budget. The marketing strategy has been refined over the past 18 months, and L-Pesa is now prepared to launch marketing campaigns via SMS and social media with a conservatively projected customer acquisition cost of $1.00. The founder of L-Pesa, has invested approximately $500,000 to date. The business was launched in Tanzania in 2016 and in Kenya in August 2017. Soft launches are underway in Uganda and India. The company’s technology is stable, scalable, proven, and will support the company’s growth plans. At this point, L-Pesa has hit a growth barrier—there is not enough capital available to lend to everyone interested, and the potential for user acquisition is almost unlimited, but requires capital for marketing expenses and support staff. The company is now raising funds to take advantage of its leading position, strong platform, and nearly unlimited opportunity to extend financial options to a large portion of the earth’s population. READ FULL DETAILS FROM WHITEPAPER - https://kriptonofafrica.com/static/pdfs/L-Pesa ICO white paper 2018.pdf GET FULL UNDERSTANDING FROM BLOGSITE AND HOW IT WORKS - https://blog.l-pesa.com/ http://l-pesa.com/tz/pages/how-it-works BEGIN NOW AND JOIN THE FUTURE OF MICROFINANCE - https://ico.lpesa.io/ YOU CAN JOIN OUR TELEGRAM GROUPS - https://t.me/kriptonsocialexchange -The First Social Crypto Exchange And Also - https://t.me/LpesaICO