ABSTRACT
“The evolution of money from Barter system to plastic money is history! Today we see the world needs fast, reliable and secured means of payment. The CRYPTO Currency has answered the world’s need effectively.”

“CUBIYAN the future of crypto currency, better than the best digital currency” hereinafter “CUBIYAN” is developed on multiple settlement currencies both FIAT and CRYPTO via international acquiring solution. Our design is based on smart contract - block chain technology, powered by WWW.CUBICBLOCK.COM. Instead of using traditional methods to attract capital, Initial Coin Offering – ICO is employed, by issuing pre-launch tokens at a discounted price.

The peer-to-peer technology used for CUBIYAN is designed to make borderless payments easier. One of the advantages of CUBIYAN is that we have included features to really bypass conventional banking. In fact, CUBIYAN is working on open source projects for online payments, possibilities of usage in Point of Sale equipment and also ATM’s in near future. In many cases, it’s hard to use any crypto currencies in today’s world for transactions that take place offline. This will change once CUBIYAN come to existence, has CUBIYAN will be having easy access at Point of Sale terminals and ATMs.

DISCLAIMER:
The information in this document is subject to change or update without notice and should not be construed as a commitment by CUBIYAN. This document and parts thereof must not be reproduced or copied without CUBIYAN’s written permission, and contents thereof must not be imparted to a third party nor be used for any unauthorized purpose.

INTRODUCTION
This whitepaper is written with an aim of describing a new instrument for a conceptual framework of online payments and funds transfers. By harnessing recent technological innovations, our model overcomes most of the major industry constraints and
proposes measures to significantly improve payment methods efficiently.

CUBIYAN strives to support the creation of an online and ecommerce community by returning much of its value to the people who provide valuable contributions by rewarding them with crypto currency, and through this process create a currency that is able to reach a broad market, including a vast number of people who have yet to participate in any crypto currency economy.

In Section Core Objectives, we emphasize on the industry’s challenges and reveal the solutions for increasing the online ecommerce payments and payment transfers efficiency. We look at how implementing a BLOCKCHAIN based industrial crypto currency can incentivize the industry in solving most of its existing and future constraints by detailing the five stages of implementation each with its own milestones, goals, and focus.

Now imagine BLOCKCHAIN technology is applied to online payments and payment transfers. Sounds foolishness to begin with! Well, it’s actually exactly what payment solution industry needs. But how to apply shared responsibility and transparency, can will ask? Well, the answer is simple.
By creating a community!

CUBIYAN can be used has fiat currency in real world where one can make payment for online purchase, mobile payments for both prepaid and post-paid connections, air/land/water travel and hotel reservation payments, fiat money transfer to bank accounts and many more to be added in
coming times.

ABOUT CUBIYAN
CUBIYAN is one of the powerful open source digital currency backed by reserves of Bitcoin and Ethereum. CUBIYAN is a customised and upgraded open source has compared to the Bitcoin or Ethereum protocols.

Our intent is to expand, experiment, and build onto the BLOCKCHAIN technology in a manner open to all for participation. Through the support of the community and the hard work of CUBIYAN lead developers, we have believed in Script which has headed for years now.

We are convinced, BLOCKCHAIN technology can speed up development of co-participation economics that is currently solving the sphere's problems by attracting a significant number of previously unclaimed people. Safe system based on BLOCKCHAIN technology is protected against unauthorized access. Users can convert fiat money to any crypto currencies and tokens, as well as spend crypto currency with the help of prepaid card, mobile applications with contactless payments and many more to be added including ecommerce payment B2B, B2C and also fund movement within the country and all over world.

CUBIYAN is developed as an open source code platform. To account property rights, crypto currency of the same name CUBIYAN is used. CUBIYAN will be in free trade on centralized exchanges in March–April 2018.

MISSION STATEMENT
The CUBIYAN comes with a mission to improve the online payment and payments transfers worldwide. This could not happen with one single action; it is a sequence of purposeful measures. The CUBIYAN are created to help the community in the aforementioned mission by giving power to the people. CUBIYAN works on developing a number of tools, each one targeting a different aspect of the online payment and payment transfers. By using and implementing these tools, the people will
receive rewards in the form of CUBIYAN, which they can be used to buy products online or transfer money. CUBIYAN is not here to compete with other crypto currencies, but rather to provide solution and support for the ecommerce industry via BLOCKCHAIN. CUBIYAN will be FinTech
platform for online and global payments.

CUBIYAN aspires to be a leader in crypto world by:
1. We support the [Suspicious link removed]munity. We will try to use as much CUB tokens and as little fiat currencies as possible while implementing our ideas.
2. We are standardising and unifying a fragmented industry. We will build block chain smart contract solutions for many of the industry’s weaknesses. The industry needs help with lab testing, supply chain, ID verification, compliance, etc. All these respond well to smart contracts.
3. We are transparent. Funds will be escrowed and our books will be audited by reputable companies, international accounting firms experienced with the nascent block chain industry.
4. The platform is open-source. It can be used by anyone to build their own smart contract or block chain application, create their own token crowdsale, promote their specific cause, etc.
5. We are responsible. We limit our own benefits, putting the cause first. This is our passion. We are committed to the legalisation efforts and the community.

Our passion, committed community, strong technology, and experienced leadership make CUBIYAN a choice for every day payment needs.

OUR BUSINESS MODEL
CUBIYAN is planned and brought into existence to resolve many issues currently faced to utilize and use crypto currency in free world. Block chain built on smart contract technology is ideally suited to organize, systematize, and bring verification and stability to a traditionally unchecked industry. Even before full legalization there are many opportunities for block chain and crypto-tokens to enhance our community and business model.

CUBIYAN will use smart contracts in block chain to:
 Create an immutable ledger for all industry related data via CUBICBLOCK.
 Offer online payment for ecommerce sites through CUBIYAN.
 Establish niche co-working space.
 Organize and unite global legalization efforts.
 Bring standardization of licensing, lab testing, transactions, supply chain and ID verification through apps built by us.

Our business model starts with a crypto-token of CUBIYAN and block chain technology powered by smart contract using CUBICBLOCK. It then sets up a network of physical cooperative workspaces where members can work, meet, socialize, and create. CUBIYAN’s organization also includes online platforms to unite people around the world who are looking for online payment solutions. Harnessing and focusing this dedicated community will quickly strengthen the legalization movement and is expected to positively influence the demand for and respectively value of CUBIYAN crypto currency, CUB. Finally, CUBIYAN will actively support and fund block chain innovation in the online payment & fund transfer solutions, such that it increases the use and importance of CUB.

CUBIYAN’s business model is both unified and complementary. Each part combines to improve the whole. We will go into depth with each aspect and discuss what it does, how it works, and what makes it unique.

CUBIYAN SMART CONTRACTS
Using Block chain Smart Contracts to innovate online payments & fund transfers.

CUBIYAN takes advantage of the digital and verifiable nature of block chain to solve the fragmentation of the online payment market and the marginalization of businesses and consumers. Block chain smart contracts are ideal for recording and facilitating the exchange of value, goods, services, and private data. Addition of payment data and transactions on block chain smart contracts will also increase the speed of service and save companies hundreds of thousands in reduced paperwork.

Cubic Bytes establishes itself has a software development and Internet company. The focus is on the objectives of value creation, scaling effects and profitability. Cubic Bytes concentrates on its core competences. Cubic Bytes is currently holding two domains which has a market-ready technology.

The revenues from the CUBIYAN ICO are only used for advertising costs and the internationalization of the projects. Apart from CUBIYAN one will get a direct ownership share on the platforms Cubic Bytes will venture and thus profit participation on all two online platforms. We will exclude you from participating in possible losses for your protection. You can sell your CUBIYAN or shares separately or together to other interested parties at any time, so you have the chance to benefit from the growing market value of CUBIYAN in addition to the profit that is credited quarterly to your CUBIYAN wallet.