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Author Topic: [ANN][ICO]⚡Vernam- The World's 1st 0% commission insurance ⚡ [SOFT CAP REACHED]  (Read 4131 times)
mihruw77
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May 14, 2018, 11:43:22 AM
 #241

Hi, What’s the minimum of investment during token sale? What is the benefit from this project ??
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May 14, 2018, 11:47:11 AM
 #242

What will be the volume/quantity of tokens issued during the public sale?
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May 14, 2018, 11:47:53 AM
 #243

What’s the minimum of investment during token sale?
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May 14, 2018, 11:48:52 AM
 #244

What currency will be used to store the funds raised? And where exactly?
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May 14, 2018, 12:06:26 PM
 #245

Could you gve information is why your project good other than competitor?
The insurance world hasn’t seen any big changes in a while. It’s become stale and stagnant. With technological innovation taking the world by storm, though, insurance can’t hide forever. And Vernam is making sure insurance doesn’t lag behind, but rather jumps ahead of the curve.

Our goal is to revolutionize insurance by providing a decentralized blockchain-based insurance marketplace. When end-clients and insurers can meet in a transparent, secure, and efficient platform, the world will finally unlock the true potential of blockchain for insurance and we’ll all reap the benefits.

Vernam’s coin is already in PreSale, and you shouldn’t miss out on backing this InsurTech startup! Here’s why.

1. Vernam will transform insurance into a transparent, efficient, and accessible playing field.
With so many ICOs on the market, you have to pick and choose which ones to back carefully. And the most important question to ask is this: Does this ICO provide real, lasting value?

There’s no question about it — Vernam definitely does. Insurers agree that insurance is facing huge changes — there’s a real mismatch between how the insurance industry operates and the amazing potential offered by new technological capabilities. But while many InsurTechs are focusing on expanding the insurance value chain, Vernam is here to disrupt it entirely.

And this kind of big-picture thinking is what’s badly needed.

Insurance is plagued by a few main issues, and Vernam solves all of these: slow processes involving too many intermediaries, lack of freedom of choice because of barriers to transparent product information, painstaking personal information verification, high costs due to the general inefficiency built into the system.

By leveraging blockchain, the insuring process will see huge benefits in terms of time & effort involvement. Private data will be secure and more quickly available, which will not only speed up insurance purchases, but also claims and payout.

And more than that, when insurers have access to verified, detailed, and personalized data, they’ll be able to offer more relevant and tailored products for their clients. It’s a win-win for both insurers and regular people who need insurance.

2. You’ll save big on commission fees — because there aren’t any.

Intermediaries like brokers and agents typically take big commissions — up to 30% — on every policy they sell. With Vernam, we take these intermediaries out of the equation completely and that cost goes down to 0%. It’s that simple.

3. Participants in the marketplace receive a bonus with every policy purchase.

Every policy purchased will include a bonus of up to 30% of your policy premium distributed in VRN.

Where does this come from and why? See point 2 above. We’d like to reward the end-clients instead of agents and brokers, and incentivize everyone to jump bravely into the future of insurance.

Beyond financial rewards, as a purchaser of insurance you’ll also gain another important thing — agency. We connect end-customers directly with insurers, meaning that if you’re looking to buy insurance, you’ll have unprecedented access to review and choose the best policy for your needs.

4. The VRN token has a built-in value appreciation mechanism.
All insurance transactions on the Vernam platform operate with VRN tokens. To make this happen, the Vernam team will be buying VRN tokens from the market.

And by buying tokens from the participating exchanges in order to reward clients, we will create a constant demand for the VRN token.

5. Vernam will launch an innovative crypto insurance product, Crypto Safe (CS), thus providing a future-thinking alternative to traditional insurance.

While disrupting the structure of insurance is no small feat, at Vernam, we’re thinking big and not stopping there. We’ll partner with insurance providers across national borders to provide our own unique crypto insurance product, with our goal being to up the game even more.

What’s new with Crypto Safe?

End-to-end digital process — fast & automated
Smart contract — guaranteed correctness towards the client
Transparent premiums and coverage policy
When no damage is claimed, the CS smart contract will return a defined percentage of the premium to the client in VRN tokens
Not only is Crypto Safe offering a smoother, faster, more transparent experience for the end-clients, it’s also incentivizing prevention of accidents & claims.

6. The Vernam Project is led by a talented team dedicated to making this vision a reality.

Our team of over 20 experts is headed by a trifecta of talented co-founders including:

Roman Angelov is our CEO and Co-Founder.

CEO of DIMIROMA GROUP, a leading Bulgarian consulting, IT, and digitization company. Awarded Digital News Innovation (DNI) funding by Google.

Ivan Georgiev is our COO and Co-Founder.

Member of the board of directors of one of the biggest holdings in Bulgaria. Founder and manager of a successful mobile app development company.

Dimitar Mitrev is our CBDO and Co-Founder.

PhD Student. Dipl. Eng. Experienced in creating and managing different B2B IT projects. CEO of DEAFOR. Member of the Bulgarian Association of Information Technologies (BAIT).

7. Right now is the best time to buy VRN tokens.The price is set to go up from here on out.

We’re rewarding early contributors with huge discounts, so the earlier you contribute to Vernam, the better your future ROI. So why wait?

Are you ready to join the insurance revolution? We’d love your support and can’t wait to welcome you to the team.
Do you have a market share you like to get?
Since Vernam will initially target Europe, our white paper will be focused on the EU market. The following figure shows its development by the major insurance categories. The total size of the insurance premiums in Europe has been stable around € 1 – 1.2 trillion, regardless of the overall economic situation on the continent. Of this amount, approximately 60% is attributed to life insurance.

The various types of non-life insurance contribute €471bn in 2015 - this is exactly the market share we are about to revolutionize!
What makes your project different between other similar projects?

Vernam will transform insurance into a transparent, efficient, and accessible playing field.
With so many ICOs on the market, you have to pick and choose which ones to back carefully. And the most important question to ask is this: Does this ICO provide real, lasting value?

There’s no question about it — Vernam definitely does. Insurers agree that insurance is facing huge changes — there’s a real mismatch between how the insurance industry operates and the amazing potential offered by new technological capabilities. But while many InsurTechs are focusing on expanding the insurance value chain, Vernam is here to disrupt it entirely.

And this kind of big-picture thinking is what’s badly needed.

Insurance is plagued by a few main issues, and Vernam solves all of these: slow processes involving too many intermediaries, lack of freedom of choice because of barriers to transparent product information, painstaking personal information verification, high costs due to the general inefficiency built into the system.

By leveraging blockchain, the insuring process will see huge benefits in terms of time & effort involvement. Private data will be secure and more quickly available, which will not only speed up insurance purchases, but also claims and payout.

And more than that, when insurers have access to verified, detailed, and personalized data, they’ll be able to offer more relevant and tailored products for their clients. It’s a win-win for both insurers and regular people who need insurance.

You’ll save big on commission fees — because there aren’t any.

Intermediaries like brokers and agents typically take big commissions — up to 30% — on every policy they sell. With Vernam, we take these intermediaries out of the equation completely and that cost goes down to 0%. It’s that simple.

Participants in the marketplace receive a bonus with every policy purchase.

Every policy purchased will include a bonus of up to 30% of your policy premium distributed in VRN.

Where does this come from and why? See point 2 above. We’d like to reward the end-clients instead of agents and brokers, and incentivize everyone to jump bravely into the future of insurance.

Beyond financial rewards, as a purchaser of insurance you’ll also gain another important thing — agency. We connect end-customers directly with insurers, meaning that if you’re looking to buy insurance, you’ll have unprecedented access to review and choose the best policy for your needs.

The VRN token has a built-in value appreciation mechanism.
All insurance transactions on the Vernam platform operate with VRN tokens. To make this happen, the Vernam team will be buying VRN tokens from the market.

And by buying tokens from the participating exchanges in order to reward clients, we will create a constant demand for the VRN token.

Vernam will launch an innovative crypto insurance product, Crypto Safe (CS), thus providing a future-thinking alternative to traditional insurance.

While disrupting the structure of insurance is no small feat, at Vernam, we’re thinking big and not stopping there. We’ll partner with insurance providers across national borders to provide our own unique crypto insurance product, with our goal being to up the game even more.

What’s new with Crypto Safe?

End-to-end digital process — fast & automated
Smart contract — guaranteed correctness towards the client
Transparent premiums and coverage policy
When no damage is claimed, the CS smart contract will return a defined percentage of the premium to the client in VRN tokens
Not only is Crypto Safe offering a smoother, faster, more transparent experience for the end-clients, it’s also incentivizing prevention of accidents & claims.
Will vernam be able to cover all insurance policy types?

Hello, Except life insurance
vernam
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May 14, 2018, 12:12:53 PM
 #246

It is a really good project. I like and want to participate in this project.

How to buy VRN tokens with 40% discount
PreSale is starting in 24 hours and this is your guide how to join
https://s7.postimg.cc/8frztsix7/1_-_V4q_KWgrq_Ogreld_C4_Kidfw.jpg

Dear friends and contributors to the Vernam project,

Our crowd sale is starting in less than 24 hours and we are so excited to have you onboard and become part of the future of insurance.

We will open crowd sale on Tuesday, May 15th at 06.00h UTC and you will have chance to buy VRN tokens with 40% discount, but it won’t be easy, so take your time to read our instructions and get ready.

(Important ) The Leaderboard
To contribute to the Vernam project, you have to register and get whitelisted on our custom Contributors’ dashboard. Whitelist is closing today!


This is our whitelist dashboard. It has everything you need to become a Vernam contributor and participate in our VRN token sale.

On the left you will see your menu. It includes:

Information about your profile — option to enable two-factor identification, change your password, enter your details that will be needed to enter crowdsale and see the history of your logins.
Your refferal ID. Give your refferal link to friends and prospect contributors and you will gain points for the Whitelist Leaderboard.
Buy tokens and Transactions history
Bounty program — you can get up to 200 VRN tokens airdrop if you complete all actions in the airdrop program.
KYC — it will be mandatory to pass a KYC if you want to become Vernam contributor

On the dashboard you will receive points for every action you take. The more points you get, the higher you will climb our leaderboard.


When you apply for the whitelist and claim what approximate sum you are going to invest, you’ll receive 100 points
For joining our Telegram channel you will get 200 points
For following @vernamofficial on Twitter or liking our Facebook page, your award will be 100 points.
Each user you bring via your refferal link will add 50 points to your score.
If you deposit 0.01 ETH, you will get 500 points. The sum will be held and given back to you in VRN tokens when the sale begins. Note that your deposit will be safe — we won’t be able to withdraw it or use if for anything but a sole deposit.
First come, first served
When the sale begins on Tuesday, May 15th at 06.00h UTC the ones who have deposited 0.01ETH will be the ones to have the chance to buy VRN tokens, followed by the top-scorers on the leaderboard. If two people have the same points, the one who signed earlier will have priority when buyng.

How to Contribute
1. Login to our contributors’ dashboard.


2. Click “Buy Tokens” on the menu on the left.

3. Enter the amount of ETH you’d like to contribute. It should be the equivalent of more than 0.1 ETH. We will accept ETH, BTC and USD (Visa and Mastercard).
https://s7.postimg.cc/egpor3igr/1_3-h_Zsdgl_P5_WFVt_XYbv_Jh_HQ.jpg

4. If you haven’t entered your details yet, the system will re-direct you to your profile settings:
https://s7.postimg.cc/5lougr95n/image.jpg

5. Carefully enter your wallet’s address. You have one chance only!!!
https://s7.postimg.cc/8ttbt9sp7/image.png

Do not use Coinbase address or similar. We accept MEW (MyEtherWallet) only.
6. You will receive the address you have to send your contribution to:
https://s7.postimg.cc/720cyhby3/image.png

Copy the address and deposit the sum. Use only MEW(MyEtherWallet) or similar accounts. Never use exchange accounts. This image is for illustrative purpose only. You can send even less than 25 ETH.
7. When you finish your transaction, add the VCT as a custom token to MyEtherWallet.
https://s7.postimg.cc/v5r4mvpaz/image.jpg

“How To Add a Custom Token to MyEtherWallet”
8. You will see the corresponding amount of VCT tokens in your wallet:
https://s7.postimg.cc/j3vqstg3f/image.jpg

The VCT token in MyEtherWallet
VCT — our anti-fraud guarantee for you during the campaign
As you already know, the Vernam token is called VRN. In order to prevent possible attacks of wallets during the campaign, we introduced another token in our smart contracts — it is called VCT — Vernam Crowdsale Token.

VCT is what everyone will be getting during the campaign. The only purpose of this token is to guarantee that after the end of the campaign you will be able to convert it in VRN token. It can’t be transferred and you can’t use it for anything else.

This is why it won’t be interesting for hackers to try to steal it.

But how do I know I’ll get my real VRN tokens after the crowdsale?
Everything about our token sale is transparent and so are our smart contracts — You can check them on GitHub.

You will see that the two tokens are identical, but the VCT one is of no use other than to be converted to VRN after the crowd sale and if KYC is passed.

https://medium.com/@vernam.official/how-to-buy-vrn-tokens-with-40-discount-97aacd8785fa

Is there any restriction for the ico? Anyone can participate?


China and USA cannot participate
vernam
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May 14, 2018, 12:14:04 PM
 #247

The VRN token will incentivize the usage of the platform. It will also be used for payments in our smart contracts to create a tamper-free, perpetual record of clients’ insurance history, which can be used by insurers to optimize risk assessment.Through our concept, Vernam will solve one of the hardest issues to tackle in the current state of the industry — the loss of trust between end customers, insurance providers and intermediaries (brokers and agents), resulting from the speculative value of the middlemen’s services (for which they receive generous commissions)and the “hidden” information regarding the exact percentage offered to them as a reward by the different insurers — information which reveals why a client might be offered to accept an insurance proposal which does not suits best his needs.

When the middleman is out of the game, his commission (an average of 15–20% of the overall insurance cost) will be returned to the client in the form of Vernam tokens as an incentive for using the platform. This means Insurance will become much cheaper and the clients will always get the best proposal for them.
Thank you for answer, May i know the advantages of using blockchain into your project?
Given the lack of transparency and the resulting misinformation, or loss of trust between end customers, insurance providers, and intermediaries, such as brokers and agents, we are confident that the decentralized nature of the blockchain technology will help to recover the lost balance and will provide a platform, driven by shared data and mutual trust, while at the same time the clients may benefit from reducing administrative cost of the insurance products.
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May 14, 2018, 12:15:03 PM
 #248

How do you protect clients data

Everyone is trained in GDRP so we are all aware of the importance of security.
Further to that storing sensitive information on the blockchain secures us GDPR compliance, as
pseudonymisation and encryption of personal data are one of the key measures to
ensure a level of security according to Art. 32. Through the use of cryptography (digital
signatures, encryption, time-stamping) and systemically embedded economic incentives
for network maintaining entities, blockchains provide a secure way of storing and managing
information, including personal data. “Hashing” the data – e.g. transaction record,
vehicle or property ownership registry, etc. creates a compressed digital “snapshot”, which
is identifiable only to the involved parties and cannot be “reconstructed” without revealing
the confidential keys, used to create the hash.
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May 14, 2018, 12:44:06 PM
 #249

Why the payment is on the block chain

It has two main purposes:
• Create Insurance Smart Contracts as a proof of the issuance of insurance and its details
• Transfer a commission back in the form of VRN Tokens
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May 14, 2018, 12:47:00 PM
 #250

After ico on which exchange it will be listed?

We will announce it soon, we are working with the biggest exchanges out there.
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May 14, 2018, 01:36:37 PM
 #251

Very nice concept designed to help end user by giving him a reward for buying insurance and not actually ripping him off for it.Like the initiative, going to go through your WP, wish you all the best!
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May 14, 2018, 01:46:09 PM
 #252

Really like the project and the way you intend to treat the customer. Can I invest using a credit card?
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May 14, 2018, 05:17:58 PM
 #253

I see that you reached soft cap,congratulations on that.In case you dont reach hard cap,what will happen with unsold tokens?
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May 14, 2018, 05:31:48 PM
 #254

Are you attending this year Consensus Conference?
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May 14, 2018, 05:40:25 PM
 #255

How do you plan to use blockchain in your Vernam project,what its going to bring?
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May 14, 2018, 06:59:28 PM
 #256

Wow,this is very exiting.
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May 14, 2018, 08:34:44 PM
 #257

I see that you have impressive list of advisors.How close they work with the core team on your project?
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May 15, 2018, 04:27:58 AM
 #258

Dear @aTrizbtc and team,
 I saw you are counting tokens for Vernam please add my works to spreadsheet (Vietnamese)
ANN https://bitcoingarden.org/forum/index.php?topic=32010 
WP https://drive.google.com/file/d/1fTSjjHEdmBRnNNd-kpyWkMpuWl6ZK8c4/view?usp=sharing
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May 15, 2018, 06:35:37 AM
 #259

In the next 3 hours you have the chance to buy VRN with 40% discount. Hurry up!

https://dashboard.vernam.com




Crypto Marketing Advisor
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May 15, 2018, 06:48:45 AM
 #260

In the next 3 hours you have the chance to buy VRN with 40% discount. Hurry up!

https://dashboard.vernam.com


https://i.imgur.com/fkwUJbZ.jpg


Great opportunity indeed,its a great bonus.Do i have to go trough KYC in order to join the sale?
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