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Author Topic: ☑ [ANN] ☰ [ ICO 06|04|2017 ] ☰ Humaniq — Discover the unbanked  (Read 18430 times)
Alex Fork
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December 11, 2016, 05:49:50 PM
 #1





 HUMANIQ: A BRAND NEW FINANCIAL ECOSYSTEM TO EMPOWER THE WORLD'S TWO BILLION UNBANKED


Dear Bitcointalk,

The key to a successful start-up project is to make sure that it is a unique and superior solution to an existing problem, rather than a solution in search of a problem. The problem that we intend to solve - is how to connect the world’s two billion unbanked to the global economy, with all the benefits this provides them. Humaniq has a brilliantly innovative model and we think you’re going to like it.

Humaniq will provide blockchain-based financial services and access to the global economy to users in emerging economies via a mobile app.  We believe this app can create a huge network of users who will access services such as insurance, P2P lending, remote work, and small business loans, all provided by third party companies who will plug into Humaniq’s API.  

Let's be very clear: we are not talking about a generic mobile app for a traditional bank, nor are we going to be yet another mobile bitcoin wallet. At Humaniq, we are creating an entirely new financial ecosystem, built on top of the Ethereum blockchain.  And this is truly a win-win - the end users have the opportunity to lift themselves out of poverty, and engage in the digital economy, and the supporters of the currency will have a token that will have stability and longevity - as well as have utility.


Humaniq CEO Alex Fork, hosting conference with Vitalik Buterin in Moscow


MERGING BLOCKCHAIN TECHNOLOGY, SMART PHONES AND BIOMETRIC IDENTIFICATION TO CREATE A NEW PARADIGM

We identified three key questions that Humaniq needs to answer to be successful:

How do you create a fair and equitable system for all users?


How do you eliminate the hardware and energy requirements of mining for new users?



What if many users do not have access to formal identification and are unfamiliar with email and 2FA?


Humaniq is using the well-established architecture of Ethereum, rather than a proprietary blockchain, as the basis of our platform. For this, we are creating our own exchange-tradeable token - HMQ. In addition, our system will also be able to handle transactions in ether, bitcoin and possibly other cryptocurrencies.

We’re using a new concept called Proof of Face (PoF), a radical departure from the energy and computationally intensive PoS and PoW methods used for most blockchain currencies. New tokens will be generated by user actions, such as opening an account, inviting friends, and carrying out other one time actions, so that every user will start with a limited amount of HMQ that they can use to begin interacting with the Humaniq economy.

To eliminate the need for formal ID or emails and complicated passwords, Humaniq is using biometric identification to both register new users and to verify transactions. It will be the first network where every user is guaranteed to be unique.  

After discussing this idea with many blockchain and fintech experts and following their very positive feedback, we are now proud to present to you: Humaniq, a new financial ecosystem whose focus is on connecting the unbanked and underbanked, worldwide.

Usage Case 1-  P2P and Small Business Lending
A user has an idea to do something productive, but needs capital.  They select the P2P lending function on the Humaniq app and negotiate a small loan with another user.

Usage Case 2- Insurance
A craftsman wants to send hand-carved figurines to an international buyer, but the nearest international shipment center is hundreds of miles away.  The seller finds an insurance provider through the app and insures their items so that they are compensated in the event of damage or loss during transport.

Usage Case 3- Remittance Payments
A worker overseas wants to send money back to their family, but neither of the parties have bank accounts.  Rather than pay an excessive fee to go through a transfer agent, the worker converts his currency into bitcoin and sends it to his family member, who uses a mobile cashier service to convert bitcoin to the local currency.  

Usage Case 4- Remote Work
A company has easy online tasks that are difficult to automate, yet not cost-effective to hire locals for.  A Humaniq user selects tasks that they can do, and makes a small amount of bitcoin, HMQ, or ether for their work. Tasks can include things like rating products, providing reviews, or moderating videos.

 


WE VALUE THE COMMUNITY'S FEEDBACK

We are looking for honest, reliable feedback and welcome your suggestions.

Our main website can be found here: Humaniq

A draft version of our white paper can be accessed here: Humaniq Whitepaper

Please note that this is not the final version and that additional improvements/solutions will be included following discussions with potential users and investors.

You are also welcome to join the discussion on our Slack



A FAIR PRE-ICO TO ACCELERATE THE PROJECT

In December, with little fanfare and a small team, Humaniq more than achieved our pre-ICO funding goals.  The enthusiastic response of our supporters has allowed us to expand our team and begin working on our roadmap. We recently passed a significant milestone by releasing the early alpha version of our app for testing on both iOS and Android.


Total token supply during pre-ICO: 27 914 393

BTC collected: 99.002855

ETH collected: 3122.362977


APRIL ICO

Humaniq’s ICO will start on April 6th and last until April 26th


April 2017 Buy the smart-contract Get 1000 Humaniq Tokens for 1 ETH

The ICO will feature a time-sensitive bonus system. People who invest within the first 24 hours will receive a 49.9% bonus on their tokens, while those who invest within the first week will receive a 33% bonus.  The second week will give out a 20% bonus, the third week it drops to 14%, and then falls to 7% during the fourth week.  

To get full details on the mathematical emission model of Humaniq tokens, please read the Humaniq Whitepaper.



Media

Cointelegraph: Blockchain Startup Uses GUI With Symbols Instead of Text to Connect Unbanked to Global Economy

Coinfox: Humaniq to help unbanked population via blockchain

Blockchain News:Dwight Sproull – Blockchain Banking Can Transform Women’s Lives in Emerging Economies

The Merkle: Humaniq Backs Startup Contest at Munich’s BlockShow Europe 2017

Cryptonoticias: Humaniq y la banca 4.0

BitcoinChaser: Humaniq Interview: Delivering Banking Services To The Unbanked

Blockchain news: Anthony Akentiev: Humaniq Presale Analysis – Decentralised Banking for the Unbanked

Smith+Crown: Humaniq: crypto-finance for the undocumented and unbanked

Cointelegraph: ICO Roundup 2017 by Cointelegraph: Cashing In On Blockchain Apps’ Mainstream Year

Blockchain news: Alex Fork: Using Blockchain and Banking to Empower Africa’s Poor with Economic Opportunities

Newbium: Humaniq - Discover the unbanked

Cryptosmile: Humaniq - The Crypto Finance to help Unbanked Population

Cointelegraph: Humaniq And Cointelegraph Announce Blockchain Oscar Startup Competition

Cointelegraph: D10e Conference in Romania: How Blockchain Helps Fight Corruption & More

Banks.eu: Humaniq project – mobile banking based on blockchain and biometrics

Blockchain news: Blockchain In Africa – Interview with Alakanani Itireleng from the Satoshi Centre in Botswana

Cointelegraph: Ethereum-Based Humaniq To Deliver Banking 4.0 to 2 Bln Unbanked

52 ICO: Ethereum-Based Humaniq To Deliver Banking 4.0 to 2 Bln Unbanked

BitcoinNews: Humaniq - Banking für Alle!

FinanceMagnates: Blockchain Banking App Humaniq Set for Initial Coin Offering in April

TheDashTimes: Humaniq’s CryptoPension a Pancea to Africa’s Pension Worries

BitcoinChaser: Humaniq Interview: Delivering Banking Services To The Unbanked

52 ICO: Alex Fork - Using Blockchain and Banking to Empower Africa’s Poor with Economic Opportunities

Cryptonoticias: Humaniq busca la inclusión financiera a través de la tecnología blockchain

The Merkle: Humaniq aims to connect millions of Unbanked



MY PERSONAL BLOCKCHAIN STORY
Alex Fork

2013:- Author of the book "Bitcoin. More than money."
2014-2016:-Speaker at numerous fintech conferences.
2015: -Deep Knowledge Life Sciences Representative.
2015, October:- founded Future Fintech accelerator — community and coworking, helping to develop companies in the field of novel financial technologies.(video)
2016, May:- organised an Ethereum conference with Vlad Martynov (Ethereum advisory board) and Vitalik Buterin, which was attended by over 500 banking professionals.
2016, April:- held a meeting with UN representatives in Moldova,discussing financially depressed and unbanked regions and meeting potential partners for the Humaniq project.
2016, June-September: - took part in supporting Waves and Emercoin  projects and helping them to acquire proper blockchain technologies.
2016, August: - finished successful crowdfunding campaign for publishing Salim Ismail’s book “Exponential Organizations” (Singularity University, Silicon Valley)
2016, September-October:-after meeting the Bitcoin Embassy Israel team, and several other development teams there, we developed the architecture of the Humaniq project. Started writing the Whitepaper.
2016, November-December:- launched the first steps of the Humaniq project.


PICTURE GALLERY

Vitalik Buterin lending support to the Humaniq Project: http://i.imgur.com/VDBn2wh.jpg
Alakanani Iterling — Humaniq Project`s enthusiast: http://i.imgur.com/4dtbPHy.png
Meeting at UNDP in Moldova: http://i.imgur.com/zHLtJbU.png
On stage with Vitalik Buterin: http://i.imgur.com/cH7EwlX.jpg
Speaking at conference: http://i.imgur.com/10e0xws.jpg
At the Moldova ICT summit 2016: http://i.imgur.com/lGH8tw4.jpg
Busy networking: http://i.imgur.com/fZw5vSn.jpg
Conferences: http://i.imgur.com/WXSuiHX.jpg


ESCROW TEAM

Alex Fork
George Basiladze
Bitcointalk user btcsec


ADVISORY TEAM

Richard Kastelein - Publisher of Blockchain News, Director at Blockchain Partners, Founder of CrypoFinancing 2017 Conference
Dinis Guarda - Digi-Arts UNESCO, Greenpeace, ICA, business and digital transformation strategy
Alakanani Itireleng - Director at Satoshi Centre

LINKS




ADDITIONAL INFORMATION

Should you require any additional information about our organization, please feel free to drop us a line at info@humaniq.co


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December 11, 2016, 05:52:01 PM
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ICO again  Undecided Humaniq  Huh  Grin

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December 11, 2016, 05:52:24 PM
 #3


HUMANIQ: A BRAND NEW BANKING SYSTEM FOR THE 1 BILLION PEOPLE WHO DO NOT HAVE ACCESS TO BASIC FINANCIAL SERVICES

Dear Bitcointalk,

It is my great pleasure to introduce you to our revolutionary crypto-project. Over the past year, our team has been meeting UN representatives and doing extensive research on financially depressed and unbanked territories.

Our findings indicate that there is a massive and yet untapped marketplace of over 1 billion potential customers, with negligible competitors within the space. Armed with this knowledge, we have been,tirelessly, working on how blockchain principles, DAPPs and ICO mechanics could be combined to create a new type of cloud-based, global banking system.

Let's be very clear!! We are not talking about some generic mobile app for some traditional bank. Rather, we are looking to implement a whole new and independent ecosystem for the unbanked.





MERGING BLOCKCHAIN TECHNOLOGY, SMART PHONES AND BIOMETRIC IDENTIFICATION FOR THE WORLD'S FAIREST BANK

During the course of our analysis, we came across numerous hurdles that needed to be overcome. They included:

How to create a fair and equitable system for all of the users?


What if not all the users have access to FIAT currency or a computer for mining purposes?


What if a lot of users do not have access to proper ID documentation?


We, therefore, propose to implement our project on a distributed ownership and open blockchain platform, all of which, will be accessible via a smartphone.Furthermore, we are also considering the use of bio-metric identification to eliminate any potential issues that are associated with the use of signatures or passports as a means of proving one's identity.

After discussing this idea with many blockchain and fintech experts, and, following their very positive feedback, we are now proud to present to you: Humaniq, a new financial ecosystem whose focus is on connecting the unbanked and underbanked, worldwide.




WE VALUE THE COMMUNITY'S FEEDBACK

We are looking for honest, reliable feedback and welcome your suggestions.

Our main website can be found here: Humaniq

A draft version of our white paper can be accessed here: Humaniq Whitepaper

Please note that this is not the final version and that additional improvements/solutions will be included following discussions with potential users and investors.

You are also welcome to join the discussion on our Slack



A FAIR PRE-CROWDSALE TO ACCELERATE THE PROJECT

We have decided to organise a pre-ICO to give an opportunity to our initial supporters to acquire a foothold within our project whilst, simultaneously, allowing us to gauge the interest in our concept.

We are determined to coalesce Humaniq into a reality and by having an initial monetary contribution, we feel that it will help the community at large to take it more seriously.

We also feel that it provide a massive incentive to boost the platform's creation. The first tokens will be sold at a substantial discount to those early adopters. If the amount collected is less than the intended 10,000 ETH, full refunds will be issued.



PRE- INITIAL COIN OFFERING

The Pre- ICO will run from the 15th of December 2016 to the 27th of December 2016 via an Ethereum Smart Contract.


Feb. 2017 —  Mar. 2017 Buy the smart-contract Get 1000 Humaniq Tokens for 1 ETH

The exchange rate for this Pre- Ico will be of the order of 1500 Humaniq Tokens per 1 ETH.

There will also be additional discounted tokens in the form of "happy hours":

The first 12 hours: +70 %
After 24 hours:+ 50 %
The next 3 days: + 33 %
The next 3 days: +20 %
The next 3 days: +7 %
The last 3 days: 0 %[/size]


MAIN ICO

The main ICO is projected to happen according to the following model:


Feb. 2017 —  Mar. 2017 Buy the smart-contract Get 1000 Humaniq Tokens for 1 ETH

We are still working on the finer details and further information will be made available as soon as possible.

In the meantime, we kindly suggest that you acquaint yourself with the proposed mathematical emission model of the Humaniq tokens by referring to the Humaniq Whitepaper.



MY PERSONAL BLOCKCHAIN STORY

Alex Fork

2013:- Author of the book "Bitcoin. More than money."
2014-2016:-Speaker at numerous fintech conferences.
2015: -Deep Knowledge Life Sciences Representative.
2015, October:- founded Future Fintech accelerator — community and coworking, helping to develop companies in the field of novel financial technologies.(video)

2016, May:
- organised an Ethereum conference with Vlad Martynov (Ethereum advisory board) and Vitalik Buterin, which was attended by over 500 banking professionals.
2016, April:- held a meeting with UN representatives,discussing financially depressed and unbanked regions and meeting potential partners for the Humaniq project.
2016, June-September: - took part in supporting Waves and Emercoin  projects and helping them to acquire proper blockchain technologies.
2016, August: - finished successful crowdfunding campaign for publishing Salim Ismail’s book “Exponential Organizations” (Singularity University, Silicon Valley)
2016, September-October:-after meeting the Bitcoin Embassy Israel and several development teams there, we developed the architecture of the Humaniq project. Started writing the Whitepaper.
2016, November-December:- launching the first steps of Humaniq project.


PICTURE GALLERY


Vitalik Buterin lending his support to the Humaniq Project

Meeting at UNDP in Moldova: http://i.imgur.com/zHLtJbU.png
On stage with Vitalik 1 : http://i.imgur.com/cH7EwlX.jpg
On stage with Vitalik 2: http://i.imgur.com/SQupbda.jpg
Speaking at conference: http://i.imgur.com/10e0xws.jpg
At the Moldova ICT summit 2016: http://i.imgur.com/lGH8tw4.jpg
Busy networking: http://i.imgur.com/fZw5vSn.jpg
Conferences: http://i.imgur.com/WXSuiHX.jpg[/size]


ADVISORY & ESCROW TEAM

We are looking for well respected Escrows and advisers from within the Bitcointalk community.
If you feel that you could contribute to making Humaniq a success, please get in touch and tell us what you have to offer.


VACANCY- URGENT

We are currently looking for a native Chinese speaking community leader.Please get in touch with us immediately and let us know what steps you will be taking to promote Humaniq within the Chinese cryptosphere



BOUNTIES

2% of Humaniq tokens will be set aside for distribution on ICO as bounties. Further details to be released soon.


LINKS




ADDITIONAL INFORMATION

Should you require any additional information about our organization, please feel free to drop us a line on info@humaniq.co or alternatively please contact our Community Director, Peter Bel, directly on bitcointalk.





just to see the pictures




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aioc
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December 11, 2016, 05:54:33 PM
 #4

Quote
After meeting UN-representatives and having a conversation on depressed and unbanked territories, we came to a clear understanding of certain opportunities that could be acted on by connecting millions of new members to the global economy.

Is this true? now we have representatives of United Nations going for crypto currency,can you give us the name of those UN representatives and the link to their offices,you don't drop an office without further confirmations of course




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ETHBITS

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December 11, 2016, 05:55:00 PM
 #5

good luck i am no bank
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December 11, 2016, 06:14:36 PM
 #6

Quote from: knobson
just to see the pictures

Thank you!

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December 11, 2016, 06:20:56 PM
 #7

ready to wait a good news from this one
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December 11, 2016, 06:53:26 PM
 #8

My suggest is collect bounty.


     
     

     
     
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December 11, 2016, 06:55:52 PM
 #9

Been done already and they already fucking huge.

https://en.wikipedia.org/wiki/M-Pesa


also using Vitalik Buterin's picture supposedly as one of your "experts" and calling him Ivan Tihonov is just lame.

http://futurefintech.org/


You fail at scamming.

PATHETIC.
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December 11, 2016, 07:04:36 PM
 #10

Been done already and they already fucking huge.

https://en.wikipedia.org/wiki/M-Pesa


also using Vitalik Buterin's picture supposedly as one of your "experts" and calling him Ivan Tihonov is just lame.

http://futurefintech.org/


You fail at scamming.

PATHETIC.

Scam project. He said:

MY PERSONAL BLOCKCHAIN STORY 

2013 — wrote a book “Bitcoin. More than money”
2014-2016 — was a speaker at dozens of fintech conferences

But what is his name, never mentioned, conferences speaker? Tell us his name or it seems a joke. Dev you should tell us more info, like name, if you wanna raise money.

B2















BitDouble.io
















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December 11, 2016, 07:09:53 PM
 #11

1 billion people without bank, but with internet? Huh

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December 11, 2016, 07:12:54 PM
 #12

indonesian translation reserved Smiley

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December 11, 2016, 07:23:56 PM
 #13

 ADVISORY & ESCROW TEAM  

We are looking for associates within the bitcointalk community. Awaiting for constructive suggestions.


Although I am not sure which fund you want to be escrowed, but try SebastianJu.

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December 11, 2016, 07:27:01 PM
 #14

Load of crap. Humanoid is the ruler of the party, that's why his announcement is twice as more appealing than alien's OP. I don't like human beings. I'm a sociopath.
sulfurtank
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December 11, 2016, 07:28:04 PM
 #15


Who stole vitalik's facial hair? Whose twitter is that?
valley365
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December 11, 2016, 07:33:35 PM
 #16

Humaniq, lol another crap with nothing new. I seriously doubt the IQ of the dev, but you'll never know as there are some investors with lower IQs. ICO without real names and pictures? It is a joke and does not make any sense to me. Maybe another high schooler project, lmao.


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Angora
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December 11, 2016, 08:08:24 PM
 #17

Alex Fork
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December 11, 2016, 08:10:59 PM
 #18

Hi!

We are deeply convinced that this is a really extraordinary idea and it is hard to believe in. So you may ask any questions you like right in this post or write directly to Peter.

Some links and photos for you right now:  

https://www.facebook.com/fork.alex

http://i.imgur.com/zHLtJbU.png
https://www.facebook.com/marina.potyomkina/posts/1225440857479915

http://i.imgur.com/WXSuiHX.jpg
sulfurtank
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December 11, 2016, 08:19:00 PM
 #19


Who stole vitalik's facial hair? Whose twitter is that?

it's taken from the op's supposed advisor board: http://futurefintech.org/



apparently Vitalik has another ID as Ivan and advises the Humaniq team

I see another pic attached to that ID.
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December 11, 2016, 08:19:39 PM
 #20

vitalik wont even share a public toilet with that guy, let alone advisory board.
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