Era Swap Whitepaper


Presentation Description

One of the biggest blockchain based ecosystem of 2019. Era Swap Ecosystem consists of multiple interlinked applications for users fueled by native decentralized utility token, the Era Swap Token. Go through Era Swap Whitepaper for more details:


Presentation Transcript

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0 © All Rights Reserved || KMPARDS Whitepaper

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1 © All Rights Reserved || KMPARDS DISCLAIMER This Whitepaper is for Era Swap Token “EST”. Its purpose is solely to provide prospective community members with information about the EST project and it is not an offer or solicitation to buy or sell securities of any kind or to invest in any financial instruments. There will be a Token Generation Event “TGE” where community members can buy EST an ERC 20 Token generated on the Ethereum Blockchain. The ownership of this token gives the community member access to the Era Swap Ecosystem. The EST tokens are not intended to constitute securities in any jurisdiction. This Whitepaper is NOT a prospectus and should not be relied upon to make any financial decisions. No person is bound to enter into any contract or binding legal commitment in relation to EST’s services. Any agreements reached between the EST distributor and prospective purchaser regarding the sale of the EST Token is governed by a separate document that sets out the terms and conditions the "TCs" of the agreement. In the event of any inconsistencies between the TCs and this Whitepaper the TCs shall prevail. EST platform will follow the best practice policies and procedures intended to ensure legal and regulatory compliance in all jurisdictions within which it operates. All EST members will be required to comply with the Know Your Customer KYC Anti-Money Laundering AML and Combating Financing of Terrorism CFT norms with respect to the global standards. KMPARDS reserves the rights to upgrade iterate improvise the platform in future and move or add additional blockchain as and when required for the benefit of the community.

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2 © All Rights Reserved || KMPARDS TABLE OF CONTENT  Introduction: 03  Preface Market: 04  Era Swap Solutions: 07  Token Economics: 10  NRT Distribution: 13  Time Swappers: 16  Era Swap Wallet: 20  ComputeEx: 21  TimeAlly: 23  Blocklogy 27  Roadmap: 30

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3 © All Rights Reserved || KMPARDS INTRODUCTION

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4 © All Rights Reserved || KMPARDS PREFACE MARKET For thousands of years human have shared various assets. The internet phenomenon made it extremely convenient to match the asset owner and asset seeker. This is the foundation of new ‘shared economy’. Freelancing is a significant part of this new age sharing economy. From online tutoring to a full stack development all sorts of services can be availed through freelancers. Freelancing has incredibly reduced the fixed costs for companies. US the largest economy in the world already seems to be embracing this idea of ‘gig’ economy as the growing number of traditional employees are leaving their jobs to be their own bosses through freelancing. The nature of giant organizations is changing and recent numbers indicate that freelancing will be a major type of employment in the future. With this it is very obvious that there will be a need of freelancing platforms where people who extend and avail services have to be matched. These days many types of aggregator platforms have started providing solutions for the new emerging shared economy. Here are few examples of existence and growth of these platforms:  Co-working Platforms: They provide shared open work spaces to various companies Start- ups freelancers entrepreneurs etc.  Freelancing Platforms: They connect freelancers with various skills to organizations that want to avail skills on a need basis  E-Learning Platforms: They connect domain specific Online Tutors or Academicians with the relevant target audience or people seeking training or tutoring services online.  Online Marketplace Platforms: They connect Service Providers Sellers and Service Seekers Buyers online. Here both buyers and sellers meet and exchange services. With the rise of such type of services more and more freelancers believe that their career is more stable than a day job by having a diversified portfolio of clients than just one job with one employer. A Study estimates that 57.3 million Americans roughly 36 of the U.S. workforce are freelancing in some capacity and add 1.4 trillion to the economy every year a jump of nearly 30 since 2018. Extrapolating this current growth rate puts the majority of the U.S. into the freelance spectrum by 2027. Skilled professionals are entering the freelance economy and making good compensation at 30-100/hour. Internet-savvy skilled manpower all over the world are also able to earn a much higher wage in comparison to their native wages.

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5 © All Rights Reserved || KMPARDS References:

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6 © All Rights Reserved || KMPARDS CENTRALIZED PROBLEM BLOCKCHAIN SOLUTION There are few elementary problems with traditional centralized freelancing platforms:  They charge about 10-30 fees per transaction as middlemen.  Users have no control over their data which can be further misused by these middlemen.  No profit is shared with the users by these existing traditional platforms. The Blockchain Solution: With blockchain these traditional problems could be resolved:  As there are no intermediaries there could be huge savings on middleman fees.  Transparency by creating direct communication between the buyers and sellers.  Profits can be redistributed among the blockchain ecosystem stakeholders.  Blockchain based Smart Contract driven Hassle-Free Transactions.  Un-manipulated Reviews and Transparent Dispute Settlement.  Decreasing the cost of buyers and increasing savings of sellers.  Equal treatment to every subscriber and user in the system.

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7 © All Rights Reserved || KMPARDS ERA SWAP SOLUTION Era Swap has several moving parts in its ecosystem that are designed to turn its vision into reality over a period of time. In general trends it has been observed that most of the projects have their focus on one product and they tend to neglect the intra-ecosystem forces that tend to destabilize the ecosystem. Era Swap has carefully planned to address different aspects of the ecosystem such as growing demand reducing the volatility increasing the adoption of digital assets minimizing transaction charges for all the users of the ecosystem etc. Apart from the token itself Era Swap has the following solutions to build a self-sustainable ecosystem. Time Swappers: Time Swappers is a blockchain based peer to peer marketplace that enables buyers and sellers to trade in form of tokenize time EST/hour fueled by the decentralized utility token – Era Swap Token. The most important component of this platform are: Time Traders – who offer and avail services Curators – who resolve the dispute on the platform Day Swappers – active members who help in growing and maintaining the platform

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8 © All Rights Reserved || KMPARDS Era Swap Wallet: Era Swap understands that to power the distributed community platform there needs to be a solid and secure payment network. For this purpose Era Swap has developed a wallet that supports multiple digital currencies and is highly secured. It supports Hierarchical Deterministic Wallet HD Wallet and comes with 2FA and CCSS Cryptocurrency Security Standard. ComputeEx Today there are so many cryptocurrency exchanges that it becomes difficult for a user to keep a track of rates at different exchanges. Era Swap comes with a solution by providing the best deals to Era Swap users from various crypto exchanges across the world even though users are not registered on these exchanges. Apart from the ComputeEx Exchange ComputeEx also offers – ComputeEx Wallet ComputeEx Peer to Peer Exchange for trading digital assets and ComputeEx Peer to Peer Lend and Borrow. TimeAlly TimeAlly is a meticulously crafted smart contract to reduce the volatility of Era Swap Token. It rewards users who choose to lock their tokens in the smart contract according to their vesting periods. TimeAlly is a very crucial part of the ecosystem as it controls some of the demand-supply dynamics of the token. TimeAlly acts as an elementary reward distribution solution for users of multiple platforms of Era Swap Ecosystem. Blocklogy Blocklogy is an educational initiative by KMPARDS an organization seeding Era Swap. Blocklogy is an E-learning platform for students starting from basic to expert level. The courseware is specially designed to expose students to blockchain and gradually increase their level so that on completion of the modules they will be able to write codes for blockchain related projects.

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10 © All Rights Reserved || KMPARDS TOKEN ECONOMICS The most important part of the Era Swap ecosystem is Era Swap Token EST a decentralized utility token which will be used on multiple Era Swap platforms especially Time Swappers - to buy and sell tokenized time referred as EST/hour rate for the services offered. Era Swap Token caters to decentralized reward system for users based on their contribution and performance on multiple platforms of the ecosystem. This token will fuel the multiple applications where users can exchange services in a peer to peer environment like trade of services freelancing day to day household services lending and borrowing prediction education affiliate program discount etc. 3-P’s of Era Swap Token Purpose: Era Swap Token is a decentralized utility token. This token will be used for exchange of products services digital assets which will provide end to end solution to the community members. Era Swap Token users will get discounts in range of 50 to 95 on multiple platforms of the Era Swap Ecosystem. Process: Era Swap Tokens are pre-mined and will be released through a smart contract every calendar month. Newly Released Tokens will decrease by 10 every year from its previous year. Payoff: These newly released tokens will be distributed to the community members as per the NRT distribution chart based on the volume of stake/trade/work done within the ecosystem. The value of any token is a function of demand and supply. Though there cannot be any guarantees about future value of tokens we have designed our ecosystem so that each and every stakeholder benefits from it. We plan to control the supply distribution through the TimeAlly Smart Contract and carefully measured token burns. To grow the platform several ways has been devised to create demand. Utmost care has been taken to keep the volatility in check.

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11 © All Rights Reserved || KMPARDS An elementary feature of Era Swap ecosystem is its rewards structure. This reward system is distributed to the community members through the Smart Contract with some predefined rules based on their contribution on multiple platforms of the ecosystem. Revenue: Era Swap ecosystem becomes self-sustainable as it generates revenue from platform e-handling fee on multiple platforms of the ecosystem out of which 50 is distributed back to the community members from NRT Newly Released Tokens pool in proportion of the volume of trade done by users. Token Burn Rules: Tokens will be burned under these circumstances:  When a seller subscribes to Time Swappers platform 10 of seller subscription fee  When a borrower defaults on a TimeAlly loan remaining token in TimeAlly  Unused Power Tokens On the 30 th Day  Unrewarded Tokens from NRT Unrewarded Tokens: The rewards are generated from the NRT based on the volume of trade done on multiple platforms of Era Swap Ecosystem. If there is no trade in the ecosystem then there will be no rewards generated in the workpool from the NRT. The tokens which were supposed to come as rewards will become unrewarded tokens and will be burned.

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12 © All Rights Reserved || KMPARDS To reduce the disruption burning of the number of tokens in any given month will never exceed 2 of the circulating supply for that month. In case there is a balance of tokens to be burnt it will be carried forwarded to the next month and so on till the number to accumulated tokens are burnt. Luck Pool: Era Swap places the benefits of the community at highest priority. So Luck Pool was created. It is a pool of tokens which are collected from the below sources: 1. The revenue generated through the advertisement on the Time Swappers platform 2. Interest collected from the TimeAlly Loans 3. Balance 2 tokens of short term one year TimeAlly Contract 4. 0.8 worth of EST from Time Swappers subscription fee from every seller Luck Pool is merged with the Newly Released Tokens Pool and will be distributed as per the NRT Distribution. Therefore the additional revenue generated from the ecosystem is given back to community members. TOKEN SUPPLY Total Supply 9100000000 Current Supply 910000000 Private Sale 60500000 Reserved for IEO 390000000 Advisor 136500000 Team 172890000 Marketing 104610000 Bounty Partnership 45500000

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14 © All Rights Reserved || KMPARDS NRT CALCULATION NRT will be released based on the volume of trade done within the ecosystem. The below calculation shows different aspects of the NRT: Year – Year wise calculation NRT – Newly Release Token year wise. Total Circulating Supply – This is the total number of available tokens including the current and the previous year’s supply. Maximum Burning at 2: Number of tokens getting burned on a monthly basis at 2 of the circulating supply. Total Supply after burning – Remaining circulating supply after burning. Threshold Volume Required TVR – TVR or Threshold Volume Required is the trade volume required in the Era Swap Ecosystem in order to generate the optimum rewards from the NRT pool in a year. Observations:  19th Year: If TVR is met every year and considering maximum burning at 2 of the circulating supply every month the token supply will start to fall below the first year supply which will create a huge demand for tokens.  Strong Burning: The burning is based on strong token economics which will reduce the circulating supply ultimately increasing the token value.  Trigger Points: The tokens will keep on releasing for 50 years at a decreasing rate and hence there will be crux points at which the value of Era Swap Token will trigger up due to increase in user-base and demand with decrease in circulating supply on the other hand.

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15 © All Rights Reserved || KMPARDS NRT BURNING AT TVR Year NRT Total Circulating Supply Maximum Burning at 2 Total Supply After Burning Threshold Volume Required TVR 1 819000000 978250000 280253601 960050000 163800000000 2 737100000 1790425000 387802109 1481196471 147420000000 3 663390000 2521382500 455408980 1817365904 132678000000 4 597051000 3179244250 493351804 2015659054 119410200000 5 537345900 3771319825 509527696 2112308841 107469180000 6 483611310 4304187843 509982561 2135092799 96722262000 7 435250179 4783769058 499324735 2105218879 87050035800 8 391725161 5215392152 481048072 2038798729 78345032220 9 352552645 5603852937 457784109 1947997899 70510528998 10 317297380 5953467643 431498724 1841933126 63459476098 11 285567642 6268120879 403645354 1727371665 57113528488 12 257010878 6551308791 375284241 1609275777 51402175640 13 231309790 6806177912 347175103 1491226124 46261958076 14 208178811 7035560121 319849064 1375750536 41635762268 15 187360930 7242004109 293664368 1264578866 37472186041 16 168624837 7427803698 268849454 1158840155 33724967437 17 151762353 7595023328 245536164 1059214824 30352470693 18 136586118 7745520995 223785286 966051803 27317223624 19 122927506 7880968896 203606113 879458401 24585501262 20 110634756 8002872006 184971373 799368970 22126951135

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16 © All Rights Reserved || KMPARDS TIME SWAPPERS Time Swappers is a peer to peer marketplace where anyone across the globe can buy / sell services. This is a middleman free platform where buyers and sellers will be able to communicate directly and trade peer to peer. Time Swappers utilizes Ethereum blockchain and there will be platform e-handling fee of 0.5 for each transaction done on the Time Swappers platform. Sellers will be able to save upto 95 compared to other marketplaces. i Time Traders - Service providers and service seekers extend and avail services from each other on the basis of per unit time cost quoted by the person offering the service. They are called Time Traders. The services will be sold on per unit time basis in exchange for EST Era Swap Token. Time traders can generate upto 5 of NRT Pool based on the volume of trade done by them on Time Swappers platform. ii Curators – Curators are members who will resolve the dispute arising on the platform and also review the Power Token allocation in Swappers Wall. In order to become a Curator on the platform the user will have to vest 10000 Era Swap Tokens in smart contract for 6 months and can be renewed for another 6 months based on the probation period of 4 months successful curation. For any dispute 5 random curators will be selected to resolve the dispute. Curators can generate upto 5 of the NRT pool based on the volume of disputed trade done on Time Swappers platform as Curators rewards. iii Day Swappers - Day Swappers is a referral and affiliate program where members will refer people on Time Swappers platform along with multiple other utility platforms of Era Swap Ecosystem integrated together. They are elementary role players to increase the usage of platform and user-base. Day Swappers can generate upto 12.5 of NRT pool based on volume of trade done by his/her active community members in their network. Who can use the Time Swappers platform Any service provider and service seeker can use Time Swappers platform. For example if you are good at Mathematics and you want to teach in your free time you can join the platform by signing up creating your profile quoting a price for your services and getting verified as a service provider with

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17 © All Rights Reserved || KMPARDS 1.00 USD worth EST. Students who will be searching for a Mathematics teacher will find you on Time Swappers platform will be able to see your profile and can decide whether they want to learn from you. Time Swappers platform lets two parties communicate with each other freely without any restrictions and rewards Time Traders Curators Day Swappers from NRT pool. To help the sellers build their profile on the platform and attract attention users can connect with their social media accounts such as Google Facebook LinkedIn Instagram Twitter etc. For instance it will be a lot easier to hire a photographer if the service buyers can see his or her Instagram. Day Swappers Every one of us have exchanged our services within our network at some point of time and at present we live in the era of community network. What if these both can be integrated together to get the best out of it Day Swappers is a unique affiliate program for Era Swap community members to earn reward for exchanging services in day to day life as service providers or service seekers and increasing the user-base on multiple platforms of the ecosystem. Who can be Day Swappers Anybody can be a Day Swappers and can create multiple Day Swappers. Day Swappers are people who contribute in growing and maintaining of multiple platforms by mentoring referencing community development registering social connects as subscribers and disrupting the current service industry. In conclusion a Day Swappers is a Recruiter Coach Mentor Motivator and Champion in his community. Roles of a Day Swappers The major assignment of a Day Swappers is to use multiple platform of Era Swap Ecosystem to exchange their services in day to day life and referring their community to these platforms. A Day Swappers can work and contribute from anywhere depending on his time and availability.

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18 © All Rights Reserved || KMPARDS How can Day Swappers achieve more Day Swappers can generate upto 12.5 from the NRT pool based on the volume of trade done by his active community members.  By exchanging services on multiple platforms of the Era Swap Ecosystem.  By introducing more and more members on multiple platforms of Era Swap Ecosystem.  By keeping Time Traders active on Time Swappers platform with a minimum transaction of 7.5 worth of Era Swap tokens each calendar month  By motivating Time Traders to introduce and add more community time traders.

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19 © All Rights Reserved || KMPARDS Swappers Wall Swappers Wall is a social networking platform on Time Swappers platform that promotes and facilitates interaction between friends family peers and colleagues with smart contract based reward system for everyone to earn Era Swap token as rewards. The goal of Swappers Wall is to connect users and the community through their stories posts videos or photos etc. There will be platform e-handling fee of 0.2 for distributing power tokens by users on Swappers wall platform Charity Pool: Sellers will pay 1 worth of Era Swap token for a life time subscription on Time Swappers platform. Out of this 0.1 worth EST will go to charity where the charity beneficiary is decided by community voting on Time Swappers. How Charity Pool works In order to get the charity the eligible applicants will fill up details and apply to get charity. All the cases for the charity will be displayed on Time Swappers platform. Applicants for charity can post charity cases with time-frame of the charity. The users will donate EST and Power Tokens to the various charity cases listed on the platform. The Charity pool will be distributed to the Charity cases as per the value of donation received by the charity applicants respectively.

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20 © All Rights Reserved || KMPARDS ERA SWAP WALLET In order to complete the ecosystem Era Swap Wallet becomes an essential part so that the users can store the EST in a safe and secured manner. Era Swap Wallet is a decentralized web wallet which also supports paper wallet and comes with multi-factor authentication along with biometric authentication for security. The private keys are stored only with the users. The wallet will support multiple digital currencies such as BTC ETH and all ERC-20 tokens. It supports Hierarchical Deterministic Wallet HD Wallet which comes with 2FA and follows CCSS Cryptocurrency Security Standard.The wallet will have an interactive UI with all features such as value graphs token spending etc. WALLET FEATURES It supports Hierarchical Deterministic Wallet HD Wallet which comes with 2FA Multifactor + Biometric Authentication Crypto Currency Security Standard CCSS Protocol Private keys stored only with the user to ensure maximum security

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21 © All Rights Reserved || KMPARDS COMPUTEEX There are numerous digital asset exchanges with different rates and complications which make trading complicated. ComputeEx comes with a one stop solution to make the trading hassle free by fetching the best rates from different exchanges. In order to provide the complete solution ComputeEx has four modules. i ComputeEx Exchange ii Peer to Peer Lending and Borrowing iii Peer to Peer Trade iv ComputeEx Wallet ComputeEx Exchange: As it has become extremely difficult to keep a track of all digital assets across numerous exchanges ComputeEx allows its users to trade top digital assets in major exchanges irrespective of whether the users have an account on that exchange or not. Users will be able to fetch the best rates from major exchanges and will be able to select the best option available to buy or sell tokens on these exchanges. It has been developed in such a way that continuous addition of digital assets is possible. There is a platform e-handling fee of 0.5 excluding network fee for each transaction and an exclusive discount of 50 if the charges are paid by EST.

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22 © All Rights Reserved || KMPARDS Lending Borrowing Up till now there are no alternatives for the digital asset owners to enjoy their crypto wealth except for selling them. Once they sell their asset they lose them. Without selling it they cannot utilize the benefits. Lending and borrowing will allow users to lend and borrow using digital assets. While lending lenders will fill a form with details such as lending asset type collateral asset type interest rate duration etc. Similarly borrower will fill a form with similar details. All the lending and borrowing order are placed in an order book where orders are matched automatically. Users can also see these orders and manually match them. The collateral ratio is 1:2. All the transactions are secured by escrow account and there is a service charge of 0.25 per transaction and a discount of 50 if paid with EST. Peer to Peer Users will be able to trade digital assets freely without the intervention of any third party. Users can place their buy or sell orders. The transaction will be secured through an escrow account. Once the buyer receives the digital asset or vice versa the escrow will release the payment to the seller/buyer accordingly. Buyers and the sellers can communicate with each other to finalize the deal. In case of a dispute – user can raise a dispute to the admin. There will be a platform e-handling fee of 0.25 on the transaction volume and a discount of 50 if paid in EST. ComputeEx Wallet A secured wallet to keep your tokens safe. This wallet supports BTC ETH and EST. It provides the feature of in wallet swap where the users can convert between BTC ETH and EST within the wallet itself. Every time a user wants to trade cryptocurrencies they have to move their tokens to the exchange. During the process there are securities issues and time consumption. ComputeEx Wallet is designed as a power exchange to allow In-Wallet-Swaps of selected tokens. There will be a platform e-handling fee of 0.5 for In-Wallet-Swap and a discount of 50 if paid in EST.

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23 © All Rights Reserved || KMPARDS TIMEALLY TimeAlly is one of the most important aspect of the Era Swap Ecosystem which meticulously controls the demand and supply dynamics. TimeAlly is a bunch of Smart Contracts which rewards token holders for locking their tokens for one and two years as per the duration they choose. As these tokens are locked there are fewer tokens in the circulating supply which will create a scarcity of the EST and will increase the demand. As the users opting for TimeAlly are contributing towards reducing the volatility of EST they are rewarded in correlation with the duration for which they opt to lock their tokens in the smart contract. The decrease in volatility will encourage Time Traders to trade services on the Time Swappers platform as the value of their tokens remains intact. Reduced volatility will encourage buyers and sellers to join the platform as they do not have to worry about the ‘changing value of their worth’. Another subtle aspect of TimeAlly is the fact that on one side it sucks the supply out of the market and on the other as a by-product of reduced volatility it boosts the demand. For investors who do not want to get into maximizing their tokens by day-trading TimeAlly is a perfect solution. Investors who choose to lock their tokens will be rewarded from the NRT pool every month based on their stake and duration selected. With the reduced circulating supply the worth of EST is expected to go up as well. So investors who wish to just hold will be benefitted by an increase in the number of tokens as well as the value. To give the platform a truly distributed structure TimeAlly is carefully structured to reward each and every stakeholder who will extend help in supporting or growing the Era Swap ecosystem. TimeAlly reward allocation of holding tokens will be shared with TimeAlly token holders. There will be platform e-handling charges of 0.2 for holding tokens in TimeAlly smart contracts. Rewards Distribution: While TimeAlly rewards all the users the distribution will always be 50 in liquid and 50 in TimeAlly. TimeAlly is carefully crafted to maximize investors ’ worth by controlling supply on one side and increasing demand on the other. TimeAlly incentivizes all the stakeholders to take part in making the ecosystem truly distributed and transparent

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24 © All Rights Reserved || KMPARDS Discontinuation: When a user wants to discontinue the TimeAlly Smart Contract he can request for the same. After the discontinuation from TimeAlly Smart Contract the EST owned by the user will be released over a period of 2 years in 24 equal monthly installments. Power Token It is a reward system within the Era Swap Ecosystem to appreciate the new talents and skills exclusive on Swappers Wall and for Charity on Time Swappers. 10 of the Newly Released Tokens are allocated as Power Tokens to the TimeAlly members in a ratio 10:1. The distribution of Power tokens to users will be based on the number of tokens users are holding individually in TimeAlly Smart Contract. TimeAlly members who will receive the Power Tokens cannot use it for themselves. They have to distribute it to the community members within 30 days. If not distributed within 30 days these Power Tokens will be burnt. Power Tokens can be awarded to the community members who are adding value to the Era Swap Ecosystem and doing a good job. The allocation of the power tokens should match with the receivers’ reputation.

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25 © All Rights Reserved || KMPARDS In order to reduce the biased distribution of the Power tokens there are certain rules in place.  A maximum of 15 of the total Power Tokens received by the TimeAlly member can be given to any single member as a reward.  Power Tokens cannot be given to the same community member again by the TimeAlly member within 60 days. Community members who will receive the Power Tokens as an award from the TimeAlly members will get 50 in liquid tokens and 50 in TimeAlly contract. There will be platform e-handling fee of 0.2 for distributing power tokens by users on Swappers Wall platform. TimeAlly Club TimeAlly Club Card is a premium membership card for Era Swap Community which will provide the users with additional benefits of rewards along with exclusive membership benefits like Utility Bill Payments Travel Holidays Dine- out Education Health Fitness etc. It will be available in 5 categories: Silver Gold Diamond Emerald and Ruby. TimeAlly Insurance The policy issued will be based on efficient underwriting norms of smart contract removing middleman and physical processes. No dilution on mortality. TimeAlly will create provision for users to get their premium adjustment from TimeAlly payouts TimeAlly Rewards TimeAlly Power. TimeAlly Loan TimeAlly holders can take a loan of upto 50 of the staked amount for 2 months. The interest is 1 for 60 days. TimeAlly reward benefits for the staked amount will stop once TimeAlly Loan on that staked amount is approved on blockchain. In case a borrower fails to pay back within 60 days and 12 hours along with the interest remaining staked tokens in TimeAlly contract will be burnt. There will be a platform e- handling charge of 0.2 for applying the TimeAlly loan.

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26 © All Rights Reserved || KMPARDS BuzCafe is a convenience solution offered to Era Swap Ecosystem users. It is a marketplace where users can buy and sell services in a Peer to Peer mode by meeting up. Further it is also a network of retail outlets which provides exclusive deals for Era Swap community. BuzCafe provides convenience to Era Swap community with its ease of access and local presence. Users will be able to see nearby shops and outlets with available offers and discounts. Shop owners will be able to see number of footfalls manage coupons and create master child account. How it works BuzCafe retail outlet owners will be rewarded from the NRT pool. Upto 2.5 rewards from the NRT pool will be distributed among BuzCafe owners community. Out of this upto 0.5 will be distributed for registration as BuzCafe outlets and upto 2 will be distributed among the BuzCafe outlets in proportion to the volume of trade done by each BuzCafe outlets. There will be a platform e-handling fee of 0.5 for each transaction made within the BuzCafe network. Buzcafe will provide deals to its community members for booking of Flights Hotel Cabs Buses Holidays Utility Bill Payment e-cash transfer and many more.

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27 © All Rights Reserved || KMPARDS BLOCKLOGY Blocklogy is an initiative towards making millennials future ready for the next-gen technologies and explore the unlimited possibilities. Blocklogy is an e-learning app for learning Blockchian with the scope to add next-gen frontline technologies like IOT AI ML AR and VR. To fill the knowledge gap in blockchain field KMPARDS has created Blocklogy for students and others to learn blockchain technology at an affordable cost. Students will be able to learn about blockchain from basics to expert level. It starts from 1.00 USD at entry level and has 9 different levels according to the target audience. There will be a fees of 1.00 USD for getting a blockchain based certificate at each level. This fee will be waived off for students who cannot afford it. Era Swap will have tie-ups with campuses across the globe. There are special incentives for educational institutions that integrate Blocklogy with their curriculum. Also the teachers will be encouraged to come on Blocklogy platform help students in solving problems and get rewarded. The vision is to make the student coding-ready by the time they complete the full course. This way students are both learning about blockchain and investing in their future Course Structure: Blocklogy course has been designed in such a way so that anyone can start learning about blockchain technology in an affordable cost. The course breakup and their cost is mentioned on the left hand side. This cost is excluding the taxes and shipping costs.

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28 © All Rights Reserved || KMPARDS Blocklogy Tab: KMPARDS has specially crafted eLearning tablets with students in mind. These tablets are lightweight easy to use loaded with Blocklogy and parental lock a decent battery life and an affordable price tag. But what takes center stage is the e-learning App Blocklogy - the most useful and handy feature for students who want to learn Blockchain and front-line technologies. Students will learn all the aspects of blockchain and next generation technology with this portable device which empowers them to learn anytime anywhere. Blocklogy Raspberry Pi Kit: Due to features like distribution enhanced encryption and tracing Blockchain allows to apply Internet of Things IOT for automated transactions between “things”. Currently there are two methods to apply blockchain to IOT. The first is based on the existing platforms Ethereum and Hyperledger and the second is self-developed blockchain. For a self-developed blockchain to apply to IOT comes Raspberry Pi a single computer board that can be used for many tasks that a computer does. Students using Raspberry Pi can build a private blockchain for testing and can create nodes for testing in Ethereum blockchain. Raspberry Pi in terms of blockchain is mostly used to create private blockchain writing smart contracts running nodes and much more. Raspberry Pi is perfect for running node since it can be left running all the time as many students use their own computer for running node but there is dedicated computing and storage cost and also the computer should be running all the time. Blocklogy provides development environment ready Raspberry Pi kits to students for hands on activity over Blockchain and IOT.

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29 © All Rights Reserved || KMPARDS Conclusion: Thus Era Swap Token is a carefully crafted reward plan based on strong Tokenomics where the community will be able to generate maximum benefits by maximizing its contribution. Era Swap Token will be used on distributed network of multiple platforms for exchange of services freelancing day to day household services lending and borrowing prediction education affiliate program discounts etc. Era Swap Token looks forward to continuously enhance and add more such utility based platforms on Ethereum or any other blockchain network in future where Era Swap Token EST will be used as a Utility Token.

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31 © All Rights Reserved || KMPARDS PRIVACY POLICY The profile of all the members on the platform shall be explicitly confidential and not disclosed to any other member of the platform unless an express consent is sought by the member. Data will be held in a distributed fashion. This is important to avoid the user data breaches that befall centralized databases. The use of KYC know your customer is always a balance between the freedom of anonymous use of cryptocurrencies and the ability to interact with other businesses banking institutions and all countries. We have made the decision to use KYC on all purchase of tokens for the good and long-term success of the ERA SWAP community. RISKS IN PARTICIPATING IN OUR TOKEN SALE Era Swap is committed to maintaining compliance with laws regulations and licensing requirements to achieve sustainable growth. Our platform will enforce any applicable rules regarding money transfer user protection and data security. We aim to act with the highest standards of integrity honesty and accountability. Given the current regulatory environment surrounding cryptocurrency the buyer must acknowledge and disclaim the risk of participating in an ICO Token Sale. The buyer needs to understand that if any change of regulation occurs Era Swap will always strive to remain in compliance with the laws and this could adversely affect the Era Swap Tokens at any time. Era Swap does not guarantee that the Tokens are reliable error-free or that any defects in the tokens will be corrected. We will take precautions to ensure the Era Swap Tokens work as intended but we cannot warranty that the Tokens or delivery mechanism for the tokens are free from viruses or other harmful components. We do not provide you with any software other than the Tokens. The Era Swap Project shall not be liable for any indirect incidental special exemplary or consequential damages including loss of profits goodwill or data in any way whatsoever arising out of the use of the Smart Contract System or the Era Swap Tokens. Dispute Resolution Arbitration PLEASE READ THE FOLLOWING SECTION CAREFULLY BECAUSE IT REQUIRES YOU TO ARBITRATE CERTAIN DISPUTES AND CLAIMS WITH US AND LIMIT THE MANNER IN WHICH YOU CAN SEEK RELIEF FROM US. Binding Arbitration: Except for any disputes claims suits actions causes of action demands or proceedings collectively “Disputes” in which either Party seeks to bring an individual action in small claims court or seeks injunctive or other equitable relief for the alleged unlawful use of intellectual property including without limitation copyrights trademarks trade names logos trade secrets or patents both you and us shall i waive our respective rights to have Disputes arising from or related to these Terms resolved in a court and ii waive our respective rights to a jury trial. Instead we will arbitrate Disputes through binding arbitration which is the referral of a Dispute to one or more persons charged with reviewing the Dispute and making a final and binding determination to resolve it instead of having the Dispute decided by a judge or jury in court. No Class Arbitrations Class Actions or Representative Actions: Any Dispute arising out of or related to these Terms is personal between you and us and will be resolved solely through individual arbitration and will not be brought as a class arbitration class action or any other type of representative proceeding. There will be no class arbitration or arbitration in which an individual attempt to resolve a Dispute as a representative of another individual or group of individuals. Further a Dispute cannot be brought as a class or other type of representative action whether within or outside of arbitration or on behalf of any other individual or group of individuals. We hope it would never come to this and will take every effort to be a company worthy of your trust.

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