1.   Can you introduce yourself and your role in MGBank?
•   I’m Evgenii, a businessman, economist and blockchain enthusiast whose mission in life is to increase inefficiencies in business and financial services. I have more than 15 years of successful business experience. I developed my first program (a game) at the age of 6 years and I wrote 5 books about SQL. I am the CEO and founder of MGBank. A key focus of my role is to develop project concepts, analyze market trends and manage the team.

2.   What is MGBank?
•   The Main Global Bank (MGBank) is a complex of services and API platforms (codenamed Tokamak), organizational institutions and necessary infrastructure. The core of the platform will provide blockchain engine and the basic API for separate services – users’ authorization (including KYC), payments, clearing, smart contracts, a stock exchange, workflow, the check and bill reference, taxation issues, currency exchange, etc.

3.   What do you see as the main opportunities for development of the project?
•   Both the financial segment as a whole and the blockchain especially have a huge potential. But the wide expansion of blockchain is constrained by a number of factors: high cost of transactions and their long confirmation, extreme volatility, lack of a convenient and functional API, etc. We believe that the key to the success is resolving these issues and providing multipurpose engine for widespread cryptocurrencies and blockchain in everyday business and operations. Therefore we have developed the concept of CryptoPair – the freely traded cryptocurrency MGCoin and the settlement cryptocurrency MGCash, which has a rigid regulation of the exchange rate with the regard to the basket of fiat currencies. All this ensures its low volatility. The funds from the sale of MGCash will be accumulated in the reserve fund and serve as a provision of MGCash and buy-back.

4.   What are the advantages of the project?
•   The platform build on scalable and fast blockchain engine. We plan that platform will provide lower commission of financial transactions for all participants. But the most important thing is the synergistic effect of combining different business and financial services on common platform. Thus, we can offer customers a comprehensive financial engine. We intend to provide financial API for different segments of digital world – games, messengers, social networks, various sites and mobile apps, etc. Our goal is that our services will be used to carry out transactions in as many areas as possible. And therefore we are ready offer the best condition for customers.

5.   In brief, what are the facts that make the MGBank team able to carry out the roadmap in full?
•   Key team members have programming experience of 10-15 years. Some members have more than 10 years of work in the banking sector, including experience in the Central Bank. Our team also possesses competences in lending and providing business services. And all key players have successful experience in the implementation of many commercial projects.

6.   Don't you think it's too big a project for one team?
•   Of course, this is really a big project. But we believe that a small project in the future will have little chance of success. Customers will prefer a single comprehensive platform, rather than using a variety of independent services for money transfer, invoicing, planning, lending, calculating tax, etc. So our project is so complex. And we are sure that our team will do it.

7.   What is your strategy for dealing with competitors?
•   We intend to actively involve third-party developers to integrate their successful services into the platform ecosystem. They will receive additional customers and a source of income, while the platform will increase competitiveness, revenue and market share. This approach will stimulate the development of new and integration of existing services for our customers.

8.   Can you share details about the ICO?
•   Our pre-sale ICO ends on July 20, 2018 and our main sale ICO starts on August 20, 2018.

9.   What is the utility of the MGBank token?
•   MGBank token holders share the profit of MGBank and provide access to services of platform. After emission of cryptocurrency MGCoin the tokens will be changed into MGCoin.

10.   How do you see the relationship between the cryptosphere and the regulators develop in the future?
•    I am sure that regulation and pressure from the state authorities will increase as technology spreads. Therefore in the long term the project should take into account the interests of the state – taxes, combating illegal incomes, preventing the financing of terrorism, protection of rights, etc. Therefore the project concept assumes active cooperation with state bodies. We believe this approach will minimize the risks for the project on the part of regulators.

11.   How do you see the future of the сryptocurrencies?
•   I think that 2-3 global and possibly several national сryptocurrencies will remain in use. Users need universal tools that are recognized by all market participants and ensure the execution of necessary transactions. No one needs several kinds of Internet network, mail or ftp protocol. Success will have those currencies that will provide the maximum coverage and provide the best services.

12.   What the most important services of platform?
•   The key features of platform are P2P lending, Personal capitalization, payments, financial marketplace, multicurrency (both fiat and crypto currencies), KYC provider, smart account, digital wallet, third-party services, smart contracts, cryptopair, electronic workflows, etc. More detail in WhitePaper Book 1.

13.   Would you like to add further information?
•   The technologies must provide the additional benefits for the clients, such as the decline of expenses, the enlargement of the customers’ base, the increase of conversion and the quantity of the goods being purchased, gaining additional sources of profit and so on. And our project provides a way to this. Therefore, we are confident of its success. I think you should join us!

For more information please visit: https://mainglobalbank.com

Of course, we have team. It will be presented by ICO stage -tentatively by the end of April.

Topic: Key Features

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The key element of the platform is the concept of a global structured smart account with the capability to link sub-accounts with various traditional financial institutions (including by means of OpenAPI). Also you can use SmartAccount as virtual account, as personal account, etc. With the help of flexible settings for the access rights to the account and sub-accounts (family, corporate, share, joint and other) it is possible to significantly improve the efficiency of financial management. For the convenience of customers there is a mechanism allowing automatic creation of accounts, subaccounts, or additional dimensions upon the receipt of funds. The additional flexibility of the platform is provided by the capability to create detachable accounts — such an account can be transferred from one customer to another with all assets, liabilities, contracts, etc.

Topic: Key Features

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According to World Bank, after two consecutive years of decline, remittance flows to low- and middle-income countries (LMICs) are projected to increase by 4.8 percent between 2016 and 2017, to $450 billion. Market remittance is rather interesting, but not demonstrating an attractive growth dynamics nowadays. Nevertheless, this segment is extremely interesting when designing a complex financial platform, because it lets not only earn money by means of remittance, but provide the promotion of other platform services, enlarge customer base. On the other hand, the availability of range of services, their strong correlation and capitalization of a person, based upon the transactions carried out or other data must become an important factor for the customers when choosing a financial provider.

As it stated above, the cost of a remittance is a key factor for a customer. That’s why the cost decline of such a remittance is a key to success. The most evident way of the cost decline is the set –off of oncoming transfers. In fact only the sum, showing the difference between incoming and outgoing payments in the specific channel, crosses the border in this case. However, this scheme has a limited potential, because the volumes of incoming and outgoing payments often differ much. This gap can be compensated due to the expansion of the capital traffic by means of supply of additional financial services. So, a good effect is reached by the combination of remittance and P2P lending. But even in this case the necessary balance can be not always reached. We see the decision in the including B2B money transfers in the whole process

Topic: Key Features

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As the main trend of the platform’s work is the provision of financial services, it’s necessary to attract the participants of the market, as many as possible, for cooperation. The financial marketplace will be created for that. This is a sort of Alibaba for financial products. The members of the ecosystem can place their offers (credit, pension and insurance products, etc.) for the maximum number of customers and gain access to the customer’s credit score (with his/her permission). An important feature of the platform is the blockchain API provision for the conclusion of deals,  their arbitration and verification.

Topic: Key Features

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When designing the platform the needs of market participants in respect of ensuring the confidentiality of financial transactions were taken into account. Therefore, the data in the blockchain is stored in encrypted form and unauthorized users will not be able to read them.

The important part of the platform is the subsystem of account management. According to the legislation of many countries it’s necessary to obtain the information about the identity and address of the customers. This procedure is known as «KYC» (Know Your Customer). KYC is important because it helps to ensure that the application and other details are real. There have been instances of fraud and siphoning off of money from accounts. By ensuring the identity of individuals, it would help to prevent fraud. The Know Your Customer practice has been in vogue for many years now. In these latter days the use of biometrics (face and voice recognition, finger print, etc.) is inculcated. Also, customers will be given the opportunity to confirm transactions through independent channels (for example, by SMS).

The platform will provide all interested customers with the access to the service KYC for free, including third-party services, not integrated with the platform. The access to the personal information will be provided by the user’s permission. The integration with the existing database of ID confirmation is supposed.

Topic: Key Features

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The project concept provides the third-party developers with the option to develop external modules for the integration of various existing and future services into the platform ecosystem. This will allow providing the customers with the additional services of expense analysis, cash flow forecast, billing, budget planning, voice assistant, AI, etc. The developers will be able to use various schemes of monetization of their services. The part of the profit will be gained by the platform operator.

They will receive additional customers and a source of income, while the platform will increase competitiveness, revenue and market share. This approach will stimulate the development of new and integration of existing services for our customers.

Topic: Key Features

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There are tens of millions of enterprises that need the financial and business infrastructure for their work. Nowadays there are the huge opportunities of work efficiency increase of these businesses and we offer the platform for placement third-party business services. In near future many companies will use the IT-technologies for decline of expenses, increase of profit, calling in of new customers and gaining competitive advantages. That, who will stand aside of this process, risk to lose the share of the market, decrease the selling and profit, and finally to leave the market. That’s why the attention of business to the inculcation of advanced technologies will grow.

Besides nowadays there is the market’s transformation, during which many professionals are becoming freelancers, working in the mode, comfortable for them. According to the experts’ forecast, this trend will grow stronger in the near future. Obviously, the freelancers also need a convenient financial infrastructure for their everyday tasks. The platform will provide API for the following business transactions (operations): billing and invoicing (including automatically based method on customer requests); payments; the control of business processes; the conclusion and execution of smart contracts; the payment tracking; token-based loyalty solutions; clearing; settlement; notarization services; the predictability of the total cost of a transaction; payroll; multi-currency accounting; smart management and forecast of cash flow and currency exposures; calculation and payment of taxes; stopping of unwanted payments or perform payment recalls; the direct payment to the supplier of goods transferred for sale, etc. The important features of the platform are the intellectual management of the distribution of funds to sub-accounts; the flexible system of access rights; the consistency in payment processes and regulations in each market; the quality and completeness of remittance information sent with payments; the availability of arbitration. For corporate accounts it is possible to link sub-accounts with the affiliated companies.

Of course, we will provide much more information about our project...

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Key words: CryptoPair | Stable cryptocurrency | MGCoin & MGCash | Tokamak | Business services

Pre-ICO will start on 20 May, 2018 at 12.00 UTC.
During Pre-ICO stage it’s suggested 1,400,000 tokens for sale (0,175% of emission as a whole and 0,7% of the amount of the public sale). Starting discount is 50%. (price is 0.0009 ETH)


We are building comprehensive financial and business platform codenamed Tokamak to drastically expand blockchain and cryptocurrencies from a sandbox to the real world. Today practical use of cryptocurrencies is prevented by a number of factors:

• high cost of transactions;
• the long confirmation of transactions;
• extreme volatility;
• the absence of standardization;
• lack of a convenient and functional API.

The solution for these key problems demands the evolution of the basic ideas of cryptocurrencies. Cryptosphere needs a diverse infrastructure and expansion of the scope of use of crypto-assets and blockchain application. It is necessary to consolidate the segmental parts and provide a synergistic effect. Our Tokamak platform realizes this kind of evolution.

The project aims at providing the participants of the market with the blockchain instruments of decreasing the costs, increasing the speed and convenience of financial and business operations, expanding the use of products and services of participants, increasing profits. As a part of evolution we designed the concept of Cryptopair - MGCoin and MGCash. This approach provides the stable course of cryptocurrency on the one hand, and the opportunity to invest on the other hand. Wherein, the high speed of transactions and their low cost are realized.

Another important part of platform is Personal capitalization -  the mechanism of the automatic determination of the credit or other rating of a user, based on the data of their financial transactions and various other information. This will let the users to get loans at minimum rates fast, to provide priority services, pay later service, interest-free installments and other benefits. It also provides for the accumulation of non-financial reviews (from stores, hotels, employers, colleagues, resorts, friends, etc.) in order to capitalize them.

Also the platform provides built-in subsystem of P2P lending. Today P2P platforms are among the fastest growing segment in the financial services space. The meeting of a creditor and a borrower happens on the online platform, where they conclude an agreement. Not only private individuals can act as creditors, but also institutional investors. The advantage of P2P lending over traditional bank crediting is the high speed of bargains, getting credit by the individual, not interesting for banks, more profitable conditions both for a borrower and an investor. Tokamak provides functionality for performing P2P lending transactions in various currencies both without security and on security of crypto and traditional assets.

Other key features of platform are:

• providing payment transactions (including API for social networks, messengers, games, etc.);
• multicurrency (both fiat and crypto currencies);
• smart account;
• digital wallet;
• third-party services;
• smart contracts;
• electronic workflows;
• business services;
• private community;
• financial marketplace (including bonds, shares, loans, insurances, etc);
• KYC provider and so on.

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Ключевые слова: CryptoPair | Stable cryptocurrency | P2P lending | Personal capitalization | Multicurrency | Payments | Third-party services | Smart account | KYC provider | Digital wallet | Financial marketplace | Private community | Business services

Pre-ICO стартует 20 февраля 2018 г. в 12.00 UTC.
Количество токенов для Pre-ICO 1,400,000 MGT (0,175% от общей эмиссии и 0,7% от объема публичного предложения). Начальная скидка 50%.


Мы разрабатывает комплексную платформу для финансовых и бизнес операций  - MGBank (кодовое имя Tokamak). Наша цель - добиться экспансии блокчейна и криптовалют в реальный мир из той "песочницы", в которой они сейчас находятся. В настоящее время практическое использование криптовалют сдерживается следующими факторам:

• высокая стоимость транзакций;
• длительное время подтверждения транзакций;
• экстремальная волатильность;
• низкая стандартизация;
• нехватка удобного и функционального API.

Решение этих ключевых проблем требует эволюции базовых идей криптовалют. Криптосфера нуждается в развитой инфраструктуре и расширения области использования крипто-активов и блокчейн приложений. Необходимо консолидировать разрозненные части и обеспечить синергетический эффект. Наша платформа Tokamak реализует эти требования.

Цель проекта состоит в обеспечении участников рынка блокчейн-инструментами для уменьшения издержек, увеличения скорости, надежности и удобства финансовых и бизнес операций, расширения использования продуктов и сервисов участников экосистемы платформы, увеличения их прибыли. Основным сдерживающим факторов экспансии криптовалют на наш взгляд является высокая волатильность криптовалют (изменение стоимости), что неприемлемо для реальной экономики. Производители и продавцы товаров должны быть уверены, что стоимость их базовой валюты будет устойчива в течении продолжительного времени. Иначе они не смогут определить, за какую цену им следует продавать свои товары, закупать комплектующие, какую зарплату платить рабочим, какую долю стоимости товара будут составлять логистические, складские и иные услуги.

С другой стороны, именно возможность получения дополнительной прибыли за счет роста стоимости криптовалют и вызывает огромный интерес инвесторов всего мира. Таким образом, чтобы устраивать все стороны, криптовалюта должна одновременно быть устойчивой и обеспечивать рост курса. Очевидно, что это невозможно. Решение этого противоречия мы видим в реализации концепции криптопары (Cryptopair) - связки свободно торгуемой криптовалюты MGCoin и криптовалюты MGCash с фиксированным курсом. Количество MGCoin строго ограничено, что позволит реализовать инвестиционный потенциал проекта, тогда как MGCash будет чеканиться платформой по мере спроса. Средства от продажи MGCash будут направляться в капитал проекта и служить обеспечением валюты. Такой подход позволит бизнес-участникам экосистемы активно использовать MGCash в текущих операциях.

Очевидно, долговременная ценность криптовалюты определяется широтой ее практического использования. Если для криптовалюты нет прикладной сферы, то можно быть уверенным, что со временем интерес сообщества переключится на альтернативные варианты, что приведет к резкому обесцениванию и потере средств инвесторов. Поэтому успех нашего проекта мы видим в проникновении во все возможные сферы деятельности человечества. Для этого мы готовы предлагать минимальные комиссии и некоторое время работать без прибыли. Однако наряду с этим необходимо предоставить пользователям максимально широкий набор прикладных сервисов для выполнения повседневных операций.

Поэтому проект реализуется как платформа, которая должна стать базой для интеграции различных сервисов сторонних производителей - как уже существующих и успешно себя зарекомендовавших, так и разработанных специально для платформы. Это позволит добиться значительного синергетического эффекта и обеспечит мощное конкурентное преимущество. Базовый функционал платформы будет включать набор встроенных сервисов, который с помощью API платформы может быть интегрирован заинтересованными сторонами в сторонние проекты.

Наиболее заметным встроенным сервисом является подсистема P2P lending - peer-to-peer кредитование, где заемщик и кредитор встречаются на он-лайн площадке, обсуждают условия и заключают соглашение. Этот вид кредитования является наиболее быстро растущим финансовым сегментом, т.к. в этой схеме не требуется участия банка, который закладывает в кредитную ставку свою прибыль, обеспечение резервов, страховку и прочие расходы. Отсутствие такого посредника позволяет заемщику получать более выгодную кредитную ставку, а использование ИТ-технологий обеспечивает высокое качество скоринга (оценки рисков) и быстрое принятие решения. В то же время кредитор может получить более высокий процент прибыли в сравнении с традиционной ставкой по депозитам, которую выплачивает банк. Для России такая схема кредитования является особенно привлекательной по причине наличия в мире депозитов на сумму около 38 триллионов долларов США. В то время как ставки по депозитам в развитых странах установились около нуля, а в некоторых странах стали и вовсе отрицательные.  Поэтому многие владельцы капиталов ищут более выгодные источники дохода. И российский рынок является весьма привлекательным для них ввиду относительно высоких ставок по кредитам в стране. С другой стороны, ввиду введения санкций в отношении России, многие традиционные зарубежные каналы получения коммерческих кредитов для бизнеса оказались недоступны. Тем не менее спрос на финансовые ресурсы сохранился. Это открывает огромный потенциал для нашего проекта.
Если смотреть на рынок в целом, то объем кредитов в сегменте P2P lending вырос с 1 млрд. USD в 2010 году до 210 млрд. USD в 2017 году. К 2020 году ожидается увеличение рынка до 490 млрд. USD, а к 2021 до 690 млрд. USD (более подробная информация в WhitePaper Book 1). Кредитование может осуществляться как без залога, так и под залог традиционных и крипто активов.

Для более тщательного анализа заемщиков будет использована встроенная подсистема Personal Capitalization, которая будет капитализировать всю доступную финансовую и нефинансовую информацию о заемщике и на основе нее рассчитывать персональный рейтинг (капитализация личности). Сторонние компании могут на основе этой оценки предоставлять клиенту рассрочку, улучшенный сервис, приоритетное обслуживание и т.д.

Однако, несмотря на всю привлекательность работы только в сегменте P2P lending, мы считаем необходимым выстроить необходимую инфраструктуру для обеспечения всей цепочки движения денег - от выплаты заработной платы и получения кредита, последующей покупки товаров и услуг, расчетов бизнеса с поставщиками, и до уплаты налогов. Именно это позволит в будущем удерживать лидирующие позиции по мере усиления конкуренции в сегменте и укрупнении игроков. Платформа будет поддерживать расчеты как в традиционных фиатных, так и в криптовалютах. Однако будут прикладываться максимальные усилия для стимулирования осуществления расчетов в MGCash - через установление низких и минимальных комиссий, совместных акциях с бизнесом на предоставление более низких цен в MGCash в сравнении с другими валютами, выплату бонусов и т.д. Большой потенциал мы видим в сотрудничестве как с традиционными банковскими организациями, так и с не финансовыми площадками - играми, мессенджерами, социальными сетями, отдельными сайтами и т.д. Все они смогут использовать API платформы для использования MGCash и проведения финансовых операций с ней.

Другие ключевые характеристики платформы:

• платежная система;
• мультивалютность (поддержка как фиатных, так и крипто валют);
• смарт-счет;
• цифровой кошелек;
• интеграция сервисов сторонних производителей;
• смарт-контракты;
• электронный документооборот;
• сервисы для бизнеса;
• частные сообщества;
• финансовый маркетплейс (включая бонды, акции, кредиты, страховки и т.д.);
• KYC-провайдер и т.д.

Более подробно каждая из характеристик и анализ ситуации в соответствующих сегментах рынка рассмотрены в WhitePaper Book 1.

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Key words: CryptoPair | Stable cryptocurrency | MGCoin & MGCash | P2P lending | Personal capitalization | Multicurrency | Payments | Third-party services | Smart account | KYC provider | Digital wallet | Financial marketplace | Private community | Business services

Pre-ICO will start on 20 May, 2018 at 12.00 UTC.
During Pre-ICO stage it’s suggested 1,400,000 tokens for sale (0,175% of emission as a whole and 0,7% of the amount of the public sale). Starting discount is 50% (0.0009 ETH)


We are building comprehensive financial and business MGBank platform (codenamed Tokamak) to drastically expand blockchain and cryptocurrencies from a sandbox to the real world. Today practical use of cryptocurrencies is prevented by a number of factors:

• high cost of transactions;
• the long confirmation of transactions;
• extreme volatility;
• the absence of standardization;
• lack of a convenient and functional API.

The solution for these key problems demands the evolution of the basic ideas of cryptocurrencies. Cryptosphere needs a diverse infrastructure and expansion of the scope of use of crypto-assets and blockchain application. It is necessary to consolidate the segmental parts and provide a synergistic effect. Our Tokamak platform realizes this kind of evolution.

The project aims at providing the participants of the market with the blockchain instruments of decreasing the costs, increasing the speed and convenience of financial and business operations, expanding the use of products and services of participants, increasing profits. As a part of evolution we designed the concept of Cryptopair - MGCoin and MGCash. This approach provides the stable course of cryptocurrency on the one hand, and the opportunity to invest on the other hand. Wherein, the high speed of transactions and their low cost are realized.

Another important part of platform is Personal capitalization -  the mechanism of the automatic determination of the credit or other rating of a user, based on the data of their financial transactions and various other information. This will let the users to get loans at minimum rates fast, to provide priority services, pay later service, interest-free installments and other benefits. It also provides for the accumulation of non-financial reviews (from stores, hotels, employers, colleagues, resorts, friends, etc.) in order to capitalize them.

Also the platform provides built-in subsystem of P2P lending. Today P2P platforms are among the fastest growing segment in the financial services space. The meeting of a creditor and a borrower happens on the online platform, where they conclude an agreement. Not only private individuals can act as creditors, but also institutional investors. The advantage of P2P lending over traditional bank crediting is the high speed of bargains, getting credit by the individual, not interesting for banks, more profitable conditions both for a borrower and an investor. Tokamak provides functionality for performing P2P lending transactions in various currencies both without security and on security of crypto and traditional assets.

Other key features of platform are:

• providing payment transactions (including API for social networks, messengers, games, etc.);
• multicurrency (both fiat and crypto currencies);
• smart account;
• digital wallet;
• third-party services;
• smart contracts;
• electronic workflows;
• business services;
• private community;
• financial marketplace (including bonds, shares, loans, insurances, etc);
• KYC provider and so on.