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Author Topic: [ANN][ICO] PolicyPal Network - Future of Insurance for Unbanked and Cryptoassets  (Read 32096 times)
hua_hui
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February 19, 2018, 07:13:04 PM
 #121

to TrueReligionn

as for liquidity of PYPL tokens, I read their whitepaper. and if you will do same, you would know, that, people will pay in Pypl tokens for insurance and have bonus. So it will be more profitable to pay in their tokens instead of fiat.

Quote
Members gets additional 2% bonus rewards in PYPL tokens when purchasing insurance policies on the PolicyPal Platform.

They also will have own blockchain in Q3 2018 (because transaction on Ethereum are to expensive and not stable). Alpha and Beta will be on Ethereum blockchain early.

Do you think, such big player like Paypal can allow himself to work with shitty projects?

I cant understand, why people dont doing research, and believe in real full shit like "Blockchain 4.0" with unknown person and incomprehensible projects, who just made hype and want to grab money, and than this people will be crying. May be better to pay attention really good projects, with real team and real product?

Really thanks a lot for helping me to answer the questions.

Using the Policypal Network tokens will entitled you to have a discount on the insurance package/policy.
In addition, the 'cashback' will also be rewarded in tokens form.
More functions for the token usage will be announced in the future when the main net is closer to launch. By then, with it own mainnet, there will have even more utility of the tokens.
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TrueReligionn
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February 19, 2018, 09:21:03 PM
 #122

to TrueReligionn

as for liquidity of PYPL tokens, I read their whitepaper. and if you will do same, you would know, that, people will pay in Pypl tokens for insurance and have bonus. So it will be more profitable to pay in their tokens instead of fiat.

Quote
Members gets additional 2% bonus rewards in PYPL tokens when purchasing insurance policies on the PolicyPal Platform.

They also will have own blockchain in Q3 2018 (because transaction on Ethereum are to expensive and not stable). Alpha and Beta will be on Ethereum blockchain early.

Do you think, such big player like Paypal can allow himself to work with shitty projects?

I cant understand, why people dont doing research, and believe in real full shit like "Blockchain 4.0" with unknown person and incomprehensible projects, who just made hype and want to grab money, and than this people will be crying. May be better to pay attention really good projects, with real team and real product?

I’ve read whitepaper. From this model it comes that only people involved in crypto will buy policies on their platform using tokens. People who are not familiar with crypto will use fiat. If they want to make real value to their product, they should make their token THE ONLY way of purchasing policies. And for comfort of people not involved in crypto, who want to use fiat, they should make internal exchange. For example some Bob wants to buy policy on their platform, and the only way to do this is to pay with token, but Bob doesn’t know how to go to exchange and buy token, Bob was using fiat money all his life. And specially for people like Bob there is option in the PP app to pay with fiat, but when fiat comes in app it is automatically exchanging for token, and token is used to buy policy for Bob. And company is buying back token from exchanges from token holders.
Everybody happy, and then tokenomics work right way, and token gets value based on the amount of policies sold.
But there is not a single word about this token economy model in whitepaper. It is just me, random noob from internet writing about it on forum. Not Super Puper developers, chosen by PayPal, and many other venture investing companies, who still don’t have enough money for the project and coming here to the community to take our money. nd unfortunatelly there is so much hype around ICOs now, and so many stupid people just giving money to all projects, who are new to crypto and economics. They spending their last money hoping to make big profits. And projects like this get their money, because PayPal logo is written on their website.

If team will show any REAL model, driving up token value, I will take my words back. But not before. And not because they are saying that “you will see real token use and value, when we launch mainnet” . And before mainnet we should buy lottery token? Nice position.


Edit: and when they banned me, they even forbiddened me to watch discussion in group, not just puting silence on me. And admin reported me like spamer in telegram. He just answered my questions and to prevent further reasoned questiones, he didn’t have answers, he just quietly banned me, so all people in group wouldn’t panic about this. After I pmed him, he just baned and reported me, not answering, like 15 yo girl
magisterr
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February 19, 2018, 09:34:38 PM
Last edit: February 19, 2018, 09:47:40 PM by magisterr
Merited by hua_hui (5), Ginzink (1)
 #123

As for exhange fiat to PYPL on their platform - Im agree. It should be convenient for users. But I think they will do this of course. They are professionals, and I think they know how to do better.

As for Paypal, read this article:

http://fintechnews.sg/11127/insurtech/policypal-becomes-first-start-graduate-mas-fintech-regulatory-sandbox/

Quote
Founded in April 2016, PolicyPal employs the use of algorithms to analyze current insurance coverage received funding from 500 Startups and angel investors and is presently working with global insurance
companies to help them go digital. PolicyPal Pte. Ltd. is a company under the incubation of PayPal. The PayPal incubation program is an APAC Fintech focused incubation program run by PayPal.

Quote
It has also partnered with global insurance companies in Singapore – AIG, Aviva, AXA, Etiqa and NTUC Income. PolicyPal’s regional expansion strategy includes scaling their existing platform and operations beyond Singapore to include Japan, Taiwan, Indonesia, and Thailand.

Just for example:

Aviva - Market capitalization: 19,83 billions dollars
AIG - Market capitalization: 53,46 billions dollars  
AXA - Market capitalization: 61,39 billions dollars

If PolicyPal will take its niche, can you imagine what marketcap will be in policyPal? At last few billons dollars from primary 25 millions... And how much can be cost tokens (coins in future)?

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TrueReligionn
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February 19, 2018, 11:14:14 PM
 #124

As for exhange fiat to PYPL on their platform - Im agree. It should be convenient for users. But I think they will do this of course. They are professionals, and I think they know how to do better.

As for Paypal, read this article:

http://fintechnews.sg/11127/insurtech/policypal-becomes-first-start-graduate-mas-fintech-regulatory-sandbox/

Quote
Founded in April 2016, PolicyPal employs the use of algorithms to analyze current insurance coverage received funding from 500 Startups and angel investors and is presently working with global insurance
companies to help them go digital. PolicyPal Pte. Ltd. is a company under the incubation of PayPal. The PayPal incubation program is an APAC Fintech focused incubation program run by PayPal.

Quote
It has also partnered with global insurance companies in Singapore – AIG, Aviva, AXA, Etiqa and NTUC Income. PolicyPal’s regional expansion strategy includes scaling their existing platform and operations beyond Singapore to include Japan, Taiwan, Indonesia, and Thailand.

Just for example:

Aviva - Market capitalization: 19,83 billions dollars
AIG - Market capitalization: 53,46 billions dollars  
AXA - Market capitalization: 61,39 billions dollars

If PolicyPal will take its niche, can you imagine what marketcap will be in policyPal? At last few billons dollars from primary 25 millions... And how much can be cost tokens (coins in future)?

I understand how much token will cost, but only if it will have economy I described. You convinced me, but team should put some more info about token value in wp, I will invest in it. Can you ask them to unban me in group? It will be harder to give them my money without being in group
magisterr
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February 20, 2018, 07:52:19 AM
 #125

to TrueReligionn

Better to ask manager (hua_hui) here. May be he can help you. Im just investor here and taking part in bounty. And Im a fan of this project, because I like their team and idea.

As for whitepaper, look: "Whitepaper Version 1". So they will have an update I think.

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datguyian
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February 20, 2018, 09:55:36 AM
 #126

Looks like an awesome ICO. Sad I spent all my Ether Sad

Well, I always tell people to not put all eggs in one basket, but now that you have done that already I think you don't have to be too afraid of not seeing at least your investment back at some later point in time. They are very professional.

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THE JOB DONE

 

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in
 

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TrueReligionn
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February 20, 2018, 10:09:51 AM
 #127

to TrueReligionn

as for liquidity of PYPL tokens, I read their whitepaper. and if you will do same, you would know, that, people will pay in Pypl tokens for insurance and have bonus. So it will be more profitable to pay in their tokens instead of fiat.

Quote
Members gets additional 2% bonus rewards in PYPL tokens when purchasing insurance policies on the PolicyPal Platform.

They also will have own blockchain in Q3 2018 (because transaction on Ethereum are to expensive and not stable). Alpha and Beta will be on Ethereum blockchain early.

Do you think, such big player like Paypal can allow himself to work with shitty projects?

I cant understand, why people dont doing research, and believe in real full shit like "Blockchain 4.0" with unknown person and incomprehensible projects, who just made hype and want to grab money, and than this people will be crying. May be better to pay attention really good projects, with real team and real product?

Really thanks a lot for helping me to answer the questions.

Using the Policypal Network tokens will entitled you to have a discount on the insurance package/policy.
In addition, the 'cashback' will also be rewarded in tokens form.
More functions for the token usage will be announced in the future when the main net is closer to launch. By then, with it own mainnet, there will have even more utility of the tokens.

Hello, I pmed you about unban in telegram group
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February 20, 2018, 11:53:51 AM
 #128

Looks like an awesome ICO. Sad I spent all my Ether Sad

Well, I always tell people to not put all eggs in one basket, but now that you have done that already I think you don't have to be too afraid of not seeing at least your investment back at some later point in time. They are very professional.

It think he meant that he is sad as he dont have available ether to invest with. Smiley
When investing in a ICO it takes time before you are ready for the next, and for some of us it is hard to sell when they hit exchange as well Tongue

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February 20, 2018, 01:03:24 PM
 #129

Looks like an awesome ICO. Sad I spent all my Ether Sad

Well, I always tell people to not put all eggs in one basket, but now that you have done that already I think you don't have to be too afraid of not seeing at least your investment back at some later point in time. They are very professional.

It think he meant that he is sad as he dont have available ether to invest with. Smiley
When investing in a ICO it takes time before you are ready for the next, and for some of us it is hard to sell when they hit exchange as well Tongue

I would recommend not selling right after hit to exhanges this tokens. At least less than 10x. And waiting for own blockchain. As i noticed, projects with own blockchain have much more value. Just look to ICON. Also, insurance niche have a lot of money. And when they will have own blockchain (in Q3 2018) price could be much more than per ERC20 tokens... But its only my opinion.

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February 20, 2018, 04:22:46 PM
 #130

Looks like an awesome ICO. Sad I spent all my Ether Sad

Well, I always tell people to not put all eggs in one basket, but now that you have done that already I think you don't have to be too afraid of not seeing at least your investment back at some later point in time. They are very professional.

It think he meant that he is sad as he dont have available ether to invest with. Smiley
When investing in a ICO it takes time before you are ready for the next, and for some of us it is hard to sell when they hit exchange as well Tongue

I would recommend not selling right after hit to exhanges this tokens. At least less than 10x. And waiting for own blockchain. As i noticed, projects with own blockchain have much more value. Just look to ICON. Also, insurance niche have a lot of money. And when they will have own blockchain (in Q3 2018) price could be much more than per ERC20 tokens... But its only my opinion.
PolicyPal Network is really looks like worthy project, I will wait for progress of the roadmap. I think closer the end of the year token price can make x20, everything will depend of team working, I hope they are can fulfill all promises.
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February 20, 2018, 04:50:34 PM
 #131

to TrueReligionn

as for liquidity of PYPL tokens, I read their whitepaper. and if you will do same, you would know, that, people will pay in Pypl tokens for insurance and have bonus. So it will be more profitable to pay in their tokens instead of fiat.

Quote
Members gets additional 2% bonus rewards in PYPL tokens when purchasing insurance policies on the PolicyPal Platform.

They also will have own blockchain in Q3 2018 (because transaction on Ethereum are to expensive and not stable). Alpha and Beta will be on Ethereum blockchain early.

Do you think, such big player like Paypal can allow himself to work with shitty projects?

I cant understand, why people dont doing research, and believe in real full shit like "Blockchain 4.0" with unknown person and incomprehensible projects, who just made hype and want to grab money, and than this people will be crying. May be better to pay attention really good projects, with real team and real product?

Really thanks a lot for helping me to answer the questions.

Using the Policypal Network tokens will entitled you to have a discount on the insurance package/policy.
In addition, the 'cashback' will also be rewarded in tokens form.
More functions for the token usage will be announced in the future when the main net is closer to launch. By then, with it own mainnet, there will have even more utility of the tokens.

Hello, I pmed you about unban in telegram group

I have replied you in pm

As for exhange fiat to PYPL on their platform - Im agree. It should be convenient for users. But I think they will do this of course. They are professionals, and I think they know how to do better.

As for Paypal, read this article:

http://fintechnews.sg/11127/insurtech/policypal-becomes-first-start-graduate-mas-fintech-regulatory-sandbox/

Quote
Founded in April 2016, PolicyPal employs the use of algorithms to analyze current insurance coverage received funding from 500 Startups and angel investors and is presently working with global insurance
companies to help them go digital. PolicyPal Pte. Ltd. is a company under the incubation of PayPal. The PayPal incubation program is an APAC Fintech focused incubation program run by PayPal.

Quote
It has also partnered with global insurance companies in Singapore – AIG, Aviva, AXA, Etiqa and NTUC Income. PolicyPal’s regional expansion strategy includes scaling their existing platform and operations beyond Singapore to include Japan, Taiwan, Indonesia, and Thailand.

Just for example:

Aviva - Market capitalization: 19,83 billions dollars
AIG - Market capitalization: 53,46 billions dollars 
AXA - Market capitalization: 61,39 billions dollars

If PolicyPal will take its niche, can you imagine what marketcap will be in policyPal? At last few billons dollars from primary 25 millions... And how much can be cost tokens (coins in future)?

Policypal Network will be tapping on the unbank community mainly in Asia. They are not as policy maker but they are linking the unbank people to the necessary insurance agency. So in this way, they are not try to have a cut in the insurance agency, but they are working together with them so that both can gain even more from tapping on the unbank. On the other hand, as Policypal Network is not covering the insured sum, Policypal Network is not exposed to risk whenever there are massive destruction.

Like what Val say during the meet up, the risk that Policypal Network has is about not able to reach out and help as many unbank people out there.
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February 20, 2018, 04:51:50 PM
 #132

TheGobOne just published a very interesting video. A PolicyPal Network project review and analysis with Val Yap. I share the link:

https://www.youtube.com/watch?v=eDzUTNrBsh8
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February 21, 2018, 01:01:07 PM
 #133

PolicyPal Network has unveiled some of the strategic investors that have participated in their private pre-sale: BlockAsset Digital Asset Management, BlockWater Capital, Global Brain, Youbi Capital, Blockchain Investment Club and Torque Capital Partners.

They have published this article where they share the news and talk a little about each investor group:

https://medium.com/@policypalnet/new-additions-to-policypal-networks-solid-list-of-investor-backings-2961b8fc08c4
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February 22, 2018, 08:46:54 AM
 #134

👀Watch PolicyPal Network Founder & CEO Val Yap's 1-hour long interview with BlockchainBrad!
👉🏻https://www.youtube.com/watch?v=Q8WxTH34zgw

👨🏻‍💻👩🏻‍💻Topics covered:
1. Val's background
2. What's our two-fold vision?
3. Current industry issues
4. Our 2 product offerings
- Crypto assets Insurance
- Peer-to-Peer mutual aid insurance for the Unbanked (Indonesia, Thailand, Vietnam, Myanmar)
5. Our team & supporters + main competitive advantages

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February 22, 2018, 12:18:02 PM
 #135

New updated whitepaper released (Version №2)  Roll Eyes

https://www.policypal.network/whitepaper/PolicyPal_WhitePaper.pdf

Check out the latest updates:

Pg 30 Token Ecosystem,
Pg 34-35 Token Holders Benefits,
Pg 55 Roadmap

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February 22, 2018, 12:22:22 PM
 #136

Hello guys. What is your total supply?
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February 22, 2018, 12:39:48 PM
 #137

Hello guys. What is your total supply?

Hello, total supply tokens 1 billion:

Crowd Sale: 50%
Team: 15%
Incentive for PolicyPal Network Blockchain: 20%
Partnership: 15%

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February 22, 2018, 01:21:07 PM
 #138

The roadmap has also been updated.  Wink

2019 Q1
  • Launch: Cryptocurrency insurance with global insurer
  • Further expansion of PolicyPal Network into other Asian countries
  • Proof of concept for new insurance products with global insurer on blockchain
  • Launch: P2P Mutual Aid Insurance – Agriculture and Property Insurance on PolicyPal Network Blockchain
  • New product ideas and ongoing iteration

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February 23, 2018, 08:34:14 AM
 #139

The roadmap has also been updated.  Wink

2019 Q1
  • Launch: Cryptocurrency insurance with global insurer
  • Further expansion of PolicyPal Network into other Asian countries
  • Proof of concept for new insurance products with global insurer on blockchain
  • Launch: P2P Mutual Aid Insurance – Agriculture and Property Insurance on PolicyPal Network Blockchain
  • New product ideas and ongoing iteration

Nice updates, and there will be more in the future!
Also the official ticker has changed, from pypl to pal.

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February 23, 2018, 09:54:47 PM
 #140

Token sale for the whitelisted will be in March. Do stay tuned to this channel or our announcement channel for the latest news.
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