20.04.2018
Dear PHI Token purchasers,
Thank you! Thanks for the trust demonstrated buying PHI Token and believing in the project.

We are actually receiving many requests from people interested in joining the PHI Token project, therefore we have decided to list PHI Token on some exchanges before the originally planned date.
This operation will allow us to increase purchasers and will allow also PHI token purchasers to buy more tokens.  At the same time, those who need to leave the project, will be free to do it.

We would like to highlight to PHI Token holders that, before starting the project, we defined a big Airdrop of more than 1,3 million PHI Tokens, which will be distributed only to PHI Token purchasers that will not move them from the wallet for at least 6 months.
For example: Being 4,9 million tokens sold during the previous ICO phases, if no one will move them for at least 6 months, all holders will receive additional more than 20% PHI Tokens on October 5th 2018.

We hope that the majority of you will take this enormous opportunity and will not move PHI Tokens from their Wallet for the next 6 months, creating the necessary scarcity that will make the price increase. This amount of time is necessary as, in addition to the possibility to buy exAnte software for asset allocation (ex-ante.it), we need some months to complete Phi Token platform for the distribution of financial services. Therefore we believe that giving an incentive to the first purchasers that will keep Phi Token, will be a useful and appropriate choice for the project.

I also would like to inform you that we are currently working on the development of an asset allocation software for crypto assets, that will allow the screening, selection and portfolio asset allocation for multiple crypto currencies. I estimate that this software will be available in freemium version in about two months.
At the launch the software will be accessible only to Phi Token owners with at least 100 Phi Token in their wallet, in a second moment the value will be modified according to the market quotation.  The more PHI tokens will be kept in wallets and will not be exchanged, the fewer PHI Tokens will be required to access our products and services, thanks to the increase of the PHI Token value.

I invite all financial services providers, both traditional and crypto, interested in selling their service or product through PHI Platform to write to info@phitoken.io (other inquires will be not valuated in this moment). A member of our team will contact you in order to understand detailed specifications and to activate a due diligence phase.

The project is relevant and related to a hot topic in the financial world, it aims to grow in masses and capitalization.  Trust us and support us, helping us in promoting PHI Token among your colleagues, clients and friends. We are actually more than 30.000 Token holders, with your help we can only grow.
Tomorrow April 21th 2018, exactly one month after the ICO closure, we will communicate the first exchange where PHI token will be listed and we will also give more information about negotiation opening date (very briefly).

Press contact
Diaman Capital
29/14 Vincenti Building
Strait Street VLT1432 Valletta ? Malta
Mail: info@phitoken.io

The project for the hybrid investment platform launched by Diaman Capital is a reality: tokens can already be used to buy some Diaman financial services.
Today, Thursday March 5th, is the official  Phi Tokens Generation Event day: all purchaser in the ICO launched by Diaman Capital that provide the KYC will receive the Phi Tokens directly in their wallet.
Token holders can now buy Diaman services, such as Diaman software for Asset Management: exAnte. ( www.ex-ante.it) with a benefit of  30% discount on exAnte list price using the Phi Token.
The price of ExAnte has now been fixed at  486 Phi tokens, the price will remain the same for the next three months to provide a minimum price floor for the Phi Token in the first period of life in the exchanges.
The  ICO Phi Token launched by Diaman Capital was concluded last March 21st with almost 5 Mil Tokens sold; this amount will be used to finance the project for the development of PHI, the innovative  investment hybrid platform.
Phi open platform will be completely  digital and will allow investments in all asset classes, including cryptocurrencies related products, and providing users professional  value/risk indicators for the self evaluation of financial products.
Even if fully digital, Phi Platform will be supported by  human professional wealth managers who will help investors to avoid typical behavioural and emotional mistakes. The hybrid digital and human platform Phi will  reduce the costs for the final investors thanks to its fully digital engine, avoiding finance distribution and compliance costs.
More about the project:  www.phitoken.io;  www.ex-ante.it;  www.diaman.eu;

The majority of ICOs projects make it to raise a huge amount of money selling an idea of what their business will look like. It is almost refreshing, in this context, to find an already existing company whose services you can immediately use and test.

This is the case of Diaman, a financial consultancy firm that aims to introduce a new decentralised Platform for Hybrid Investment (PHI) which will combine a great variety of different investment possibilities, from the asset classes to cryptos. Leveraging the existing business potential with the immense possibilities of blockchain is what the company is ready for.

With everything already in place, Diaman Capital Ltd is holding its ICO in few days.

Running a successful ICO requires a great degree of experience and a dedicated team to get off the ground, so it’s no surprise there that contributors put a lot of interest in analysing personals skills and background before choosing where to place their money.

Welcome to have a look before taking part in the ICO, Phi Token won't disappoint you.

A solid team

The team dedicated to the realisation of the ICO project is lead by the Chairman and CEO of the company, Daniele Bernardi, together with Francesco Canella CFO and Alex Vella COO. A solid engineer and statistics background, combined with a strong business acumen is what make the team sure about their project potential in the wealth management industry.

The head of technical development is also a compelling man. The CTO, Marcos Lin, is responsible for the system and blockchain architecture; he is in charge of developing the Hybrid Platform and Smart Contracts  together with the Development Team.


After 8 years in Morgan Stanley, where he was Vice President of Fixed Income Technology, he founded a computer software company in London and in 2014 join Daniele Bernardi in 2Pay, a mobile payment Institution as CTO of the company. In 2017. he co-founded Farport, a software house to support Fintech companies.

Phi Token hasn't left anything to the chance: the team, in fact, has integrated into the structure several notable personalities who have gained international experience to developed the first  Platform for Hybrid Investment.

An existing business reality

The project of PHI Tokens comes to life from the natural evolution of the consultancy company Diaman which, for sixteen years, has developed and supplied mathematical models of investment exclusively for institutional clients.
Leader in providing treasury, asset, risk management services and consulting support, Diaman is now ready to invest its own economic resources and staff on the creation of the project PHI Token with the consequent creation of companies, preparatory to its development.

An example?
The Diaman Tech, opened in 2012 by Diaman to be the first european startup successful in completing an Equity Crowdfunding following the new CONSOB regulation. Under the umbrella of Diaman Tech, two web-based platforms (exAnte and iRating) have been developed too with the purpose to facilitate the opening of investment portfolio, control the level of risk on Corporate bond and provide an evaluation of the issuer's creditworthiness

Other interesting facts about Diaman is that for 13 years now, the company is the organizers of QUANT, an international workshop on quantitative & asset management, gathering together the most eminent exponents of the field from all around the world. Moreover, in the last 6 year awarding the Best Asset Managers through the DIAMAN Award’s gala dinner..

With this combination of experience and pioneering vision, the team of Phi Token is ready to present  the first Platform for Hybrid Investment to the public. They are currently running the sale of their PHI token, which will be open until march 21st.



PHI Token ICO is live now.
To learn more about the project, take a look at their channels.
 
 
Website and whitepaper: https://www.phitoken.io/
Facebook:https://www.facebook.com/PHIToken/
Twitter: https://twitter.com/PhiToken
Telegram: https://t.me/PHI_Token

What is PHI?

PHI, by Diaman Capital Ltd, is the world’s first wealth management platform that combines traditional assets and crypto assets, based on blockchain technology.
Our community-centric approach aims to revolutionize traditional investments, with the introduction of crypto related products for wealth and asset management.
All PHI Token holders will have the opportunity to participate in the development of the network through the concept of “proof of stake”. PHI Token holders will also benefit from 30% discount in the purchasing of Financial Services directly in our Platform for Hybrid Investment (PHI)
Our community will benefit from the increasing demand for PHI Tokens. Demand for PHI Tokens will grow over time as a result of the increasing demand for our services, software and financial products, together with the increasing size of our community and trading of our utility Token in the exchanges.
At the moment, there is no European fintech start-up with similar “tailor-made” investment services, which are connecting the traditional investments and investmnet products to crypto assets, and also there are no other financial management company that uses the blockchain for a more transparent and secure data management in a similar manner to Diaman Partners Ltd (MFSA authorisation pending), which is behind the PHI Token platform).
PHI is also an open platform for the distribution of financial instruments and services, which means Asset Managers, Financial Advisors and Wealth Managers will benefit from our fully digitized platform. The financial organisations will stake substantial amounts of PHI Token to become partners of the project, whilst all members of our community that own PHI Tokens will have preferential access to our professional financial software as a PRO, in a freemium version of software until today reserved to institutional clients only. This software compares the best-in-class Asset Managers around the world to help professional investors to increase their expected return.
Why should I trust DIAMAN, the company behind PHI?

DIAMAN is a solid Italian brand and operating as a Quantitative Financial Advisory Company for institutional investors since 2002. It provides mathematical and statistical models both for investments and for risk management to Italian, Swiss and Luxemburg Bank.

DIAMAN also launched a Sicav in Luxembourg in 2007 and a financial Software house in 2012 realizing the first and sucessful Equity crowdfunding operation in Italy.

DIAMAN during the past 16 years, has managed over €400 Million of Assets Under Advisors, and has a very positive track record. Further details of which can be disclosed upon request. Email: info@phitoken.io
DIAMAN also publish white-papers about statistical indicators and methodology that have been presented at International Conferences around the world.
For further information please visit http://www.diaman.it
What are the advantages of investing in the PHI Token?
The PHI Token will allow Token holders freemium access to professional financial software. We will develop more innovative products and software as the company grows. For further details about the software product(s) available now, you can review here: login.ex-ante.it using username: phitest PW: phi
PHI Token can also be used to purchase Financial Services in the PHI platform, provided by many Asset and Wealth Managers with a 30% of discount in respect the fiat currency products.
The total amount of PHI Token in circulation will decrease over time, with the potential to increase Token value, this is due to the “Buy and Back and Burn” methodology, based both on comapny performance and positive EBIDTA of the company to create decreased supply of the Token.
What are the features of PHI and the “Proof of Stake” model?
You can read more about it in the Whitepaper, which you can read and download here: https://www.phitoken.io
When will I receive my PHI Tokens?
All the PHI Tokens bought during the ICO will be allocated by 5th of April, including bonus, referral bonus and bounty chest.
Do I need to verify my identity to participate in the ICO?
You MUST pass the KYC Tier 1 procedure.
The procedure is provided by Eidoo throught the ICO Engine web platform.
How do I transfer PHI tokens to my wallet or MEW?
The PHI Tokens will be sent directly to the ETH wallet that you used to purchase the Tokens. PHI Tokens will be sent on 5th April.
ATTENTION: Do not purchase the Token through an exchange address. It is not currently allowed to purchase ERC20 PHI Token through any exchange.
Once invested, where will my Tokens appear?
After your PHI Token purchase transaction and the KYC Tier 1 is verified and complete, your PHI Tokens will appear in your WALLET on 5 April 2018.
You will be able to store your PHI Tokens on any ERC20 native address (eg: Eidoo, MyEtherWallet, Exodus).
When will the PHI token be issued?
PHI Tokens are issued on 28th February 2018 and distributed on 5th April 2018
On which exchanges will the PHI token be tradable?
It will be tradable on exchange(s) from Q2 2018. We will announce the seleted exchanges after 5th April 2018.
Where can I read PHI Token essay, documentation and white paper?
You can find those here: https://www.phitoken.io 

What is a smart contract?
A smart contract is a computer protocol intended to facilitate, verify, or enforce the negotiation or performance of a contract.
Why is the PHI price labeled in USD?
We have decided to set the price of the PHI Token in USD (US Dollar) as it will be the more used currency to compare the crypto prices and also to give the Golden Ratio value on the starting (1 PHI Token = 1,61803399 USD)
What is the hard cap of the ICO’s campaign?
Number of PHI Token available to be sold: 14.930.352   

Is PHI ERC20 compliant?
Yes. It is compliant with any ERC20 native address.
What is the total supply of CHSB tokens?
PHI Token issued: 24.157.817 

How will the funds collected during the ICO and pre-ICO be used?

The funds collected during the pre-ICO and ICO will be used following this percentage:
Platform development   30,06%
Marketing   18,58%
Business Development   30,06%
Advisors, legal and compliance   2,71%
Research and Development   18,58%   

Can I buy tokens in fractions? (i.e 1.01 PHI)
Yes, up to 8 decimal points
Will there be an additional issue of PHI tokens?
No. CHSB token supply is fixed at 24.157.817. Unsold tokens will be burned to reduce the total supply.

What is the legal structure of the PHI Token project?
The company that issues the PHI Token is DIAMAN Capital LTD, this is the Holding Company which also has control of DIAMAN Partners LTD.
How is the collected cryptocurrency regulated by the tax authorities?
That all depends on your country of residency.
Where can I learn more about the PHI Token Project?
•   Visit our website at www.phitoken.io
•   See our medium page at https://medium.com/@phitokencommunity
•   Join out Telegram community
If you have any other question, please ask us using the chat feature on our Telegram channel.Blockchain

center]PHI Token - a Platform for Hybrid Investments[/center]

Background and Landscape

The global Wealth Management industry has been thriving thanks to high returns generated from the twenty-year bond rallies and from the returns of the American equity indices and Emerging Markets. This favourable scenario combined with the poor financial knowledge of customers has allowed the industry to generate and maintain inefficiencies and high costs in the distribution and management of financial products.

The future of the financial market and the rate at which it is, and has been operating at, is not promising. With bond returns holding a zero or even negative value and the stock market carrying a positive growth rate for nearly a decade, it seems unlikely that the industry will be able to sustain such trends.

With returns predicted to be low, it becomes apparent that the industry will not be able to cover the high costs from the inefficiencies. Additionally, pressures are increased from emerging Fintech companies, such as the Robo Advisors, which are gaining market share especially in the United States. The main critical issues that need to be addressed are listed below:

1) High costs mainly due to out-dated and labour intensive operating models
2) Limited access to multiple investment opportunities, resulting in poor results for the client
3) Sale of captive products without real competition between asset managers.

Why a Platform for Hybrid Investments?

DIAMAN Partners LTD intends to create the first Platform for Hybrid Investment (PHI), which allows investments in all asset classes and investment vehicles including crypto assets.

The PHI (Platform for Hybrid Investment) will provide clients with a fully digitized platform on which to manage all savings and investments, together with human wealth managers to play a fundamental role in identifying the real needs of clients and assist in managing their emotions to avoid classic behavioural finance investing mistakes and/ or poor decision making.

The platform will be a Hybrid Platform for Hybrid Investments, in other words, digital process management with seasoned professional wealth managers for client interaction.

The PHI platform will solve the critical problems of the Wealth Management industry due to the following reasons:

?   PHI will reduce the commercial supply chains via digitalization and lower the costs of providing investment services.

?   It will enable you to invest in multiple investment vehicles, including Crypto Assets, which represent a fantastic investment opportunity.

?   It will create a comparison between Asset Managers and Wealth Managers by stimulating competition and therefore obtaining better returns for the customer.

?   By combining the principles emerging from the Crypto world, such as digitalization of processes, sharing, innovation and competition.

PHI Token

DIAMAN Partners intends to share the project with the Crypto community by issuing a PHI Token with the aim of financing the project.

The aim is to ensure that those who believe in the project, (and those who work on it), will share in its? success.

There are five good reasons that can define the PHI Token as an amazing project:

1)   The parent company DIAMAN SCF has 16 year of successful business as quantitative financial advisory company for institutional and has been working on the digital platform project for more than a year with some modules already implemented: The MiFID II compliance Risk Assessment questionnaire, the financial planning module and quantitative engine management models, some of which with a real track record of up to 15 years of history.

2)   The Platform for Hybrid investment allow the clients to invest in crypto related products but isn?t depending by the future of the Crypto world and can survive also in the unfortunate hypothesis that this business will disappear.

3)   The platform valorise the Humans involved in the process of investment decision, goals definition and also to correct the behaviours of the clients during bear markets.

4)   The PHI Token allow the normal person to use in a free version software usually reserved for institutional clients.

5)   The creation and use of PHI Token allow the company to reduce the cost of the financial distribution without reduce the quality of the services.

PHI Token? TGE Overview

The Token Generation Event (TGE) will be in three phases:

1)   Pre-Sale was closed in only thirteen days for a number of 3.524,578 Tokens;
2)   The second phase is Pre-ICO which will allow you to buy a maximum of 3,524,578 Tokens with a 21% discount, will start on 3rd March 2018 at 13.00 CET
3)   The ICO will be carried out up to a maximum of 7,881,196 Tokens, and will take place on 8th March 2018 at 13.00 CET



PHI Token rewards

The PHI Tokens have three preparatory features to increase the value of PHI Tokens over time:

1) PHI Tokens as Stake: Whoever wants to use components of the platform, such as asset managers and financial planners, must own and immobilize the PHI Tokens;

2) PHI Tokens as Payment: The hybrid investment platform and the developed financial software will accept payments in PHI Tokens offering 30% cashback, thus encouraging people to pay with this Tokens instead of fiat currency. The company has deposited a patent to increase the relation between the PHI Token and the results of the business.

3) PHI Tokens Buy Back and Burn rewards: 15% of the performance fees generated by the platform and 50% of the annual tax refund obtained from the payment of taxes in Malta (corresponding to 15% of the company?s EBIDTA) will be used to purchase PHI Tokens on exchanges and will be withdrawn, to create a scarcity effect that will produce a continuous growth over time.

The project and its features are explained better in the full white paper, this is an extract

Are existing until now a marketplace that merge traditional financial instrument with crypto one to manage the Wealth of the HNWI?

We want to become the Alibaba of Wealth Management, PHI means Platform for Hybrid Investments but also Hybrid Platform for Investing. We want to create a clear separation between the production of financial instruments and the distribution to the clients, combining both traditional financial instrument and crypto related products in the first platform of social investment.
The differences between a Social Trading Platform and a Social Investment Platform are principally: (i) not short term speculator as clients but long term investors; (ii) not traders but professional Asset Managers for the management of the portfolio of the clients; (iii) a perfectly regulated Management Account platform authorized by MFSA.