E-mail: info@payera.io Web: www.payera.io

ICO-2018

WHITEPAPER

NEW ERA OF THE CRYPTO WORLD

SIMPLE SHOPPING AND SAFE PAY

© COPYRIGHT ALL RIGHTS RESERVED 20. April 2018

TABLE OF CONTENTS

ATAKAN ALI

CEO & Co Founder

The market for crypto currencies is the most dynamic o f our time. Digital currencies use public accounting systems to file transactions. We are convinced that the future of the current financial system will be dependent on the development of the blockchain technology and on the reaction of the community. The blockchain can and will, in our view, be used to achieve a really strong, positive development o f the financial system. For quite some time, our team has intensely worked on the blockchain technology and cryptocurrencies. We discovered, that due its strong volatility and high

with more do anonymity, people speculate cryptocurrencies than using the coins as a currency. This is why the idea of PAYERA emerged to use cryptocurrencies free of worry. We will create a secure multifunction‐platform which is going to be easy to operate with. After we had drawn up the initial concept, we secured ‐ after a brief presentation‐ interested partners and consultants and thus we have systematically built up our team. In the process of optimizing our main product down to

something has the extraordinary smallest detail, emerged: An All‐in‐One‐concept that enables us to operate with even more flexibility in the market.

IN T RODUCTION

N EW ERA OF THE CRYPTO WORLD

SHORT PRODUCT INFO:

The technical details of the Whitepaper will be following after the ICO funding-phase.

Follow us on www.payera.io or on our social media channels for update information.

We thank all those who have actively supported us. Due

to the close cooperation with our partners and

consultants within a short time a very friendly and

familiar atmosphere has arisen, which has led to a concept

that is unique.

We are very confident and hope to exceed the users’

expectations.

OVERVIEW OF OUR PRODUCTS

The payment platform with buyer‐ & seller‐

protection, wallet and exchanger.

The simple online‐shop with the best user

experience for merchants and individuals

The crypto‐card for everyday payments.

PAYERA SHOPERA CARDERA

02 SUMMARY

We have analyzed the most recongnized Fiat payment protection platforms, refined the concept, combined those with the innovative

functions of the blockchain and integrated our unique Pera Token.

PAYERA: The payment platform with wallet and exchanger that enables

tradesmen and private individuals to experience safe crypto shopping.

Buyers have the ability to pay the seller with their own, preferred

cryptocurrencies while they are under a full buyer’s protection.

Sellers can decide whether they want to receive the purchase amount in Fiat‐

or in the requested cryptocurrency being listed in the wallet.

PAYERA charity: A percentage of the fees we collect will automatically be

deposited into a donation pot, which will be evenly divided according to

continents. After a certain predetermined amount has been collected, our PAYERA

foundation team will fly, regardless of religion or nationality, into any needy

region to provide support. It is planned, according to the local situation, to build schools and water wells

and supply school materials to support the education of the children as needed

in each locale. So as a PAYERA user you will be automatically contributing to this charity.

SHOPERA: The user‐friendly online‐shop platform, where merchants and

individuals have the opportunity to sell new and used goods.

We have analyzed the most frequented online‐shop portals and focused on

the most user‐friendly features of the providers. We want to make sure, that

SHOPERA will be easy to operate and that you enjoy the best user‐experience

ever.

CARDERA: Your crypto‐payment‐card for everyday use, which offers more

flexibility.

The card is connected to your PAYERA wallet and you have the ability to make

purchases or withdraw Fiat‐money at ATMs as you are used to, except that

you use the coins in your PAYERA wallet therefore.

An ICO is a method to finance an enterprise. The so‐called „initial coin

offerings“ are somewhat comparable with an initial edition of securities on a

stock market.

ICO is an opportunity to purchase token for projects in the blockchain

ecosystem through crowdfunding. Supporters and investors purchase the

project token and may commercially operate with the purchased token

according to the listing on different platforms.

ICO

( ) Initial Coin Offering

03

04 BLOCKCHAIN AND THE FUTURE OF

PAYMENTS

Cryptocurrencies have evolved a great deal to what they are today. In the past,

it was called play money for gamers, today it is called, amongst other things,

speculation. Many users deal on different exchange stock markets to generate

profits. Although blockchain technology has immense potential and many

advantages over the payment system nowadays, many sellers don’t accept

Bitcoin & Co as a currency.

We are convinced that technically and also concerning the market statistics a

rapid growth of blockchain and smart contracts is foreseen. Business models

such as banks, retailers, insurances and all other affected enterprises have to

adapt their traditional and outdated business models. As the blockchain industry

has already reached its post‐inception‐phase, the world is ready for strong

products like PAYERA.

05 PROBLEM

Despite many advantages of blockchain technology and crypto transactions

including extreme speed, low fees and high flexibility, cryptocurrencies are

only rarely used as payments. Buyers and sellers are insecure due to floating

rates and complicated application. For this reason, enterprises still use the

traditional Fiat payment systems connected to banks and financial

institutions. Buyers want the security that transactions with cryptocurrencies

provide through a protected trade and ‐in case of a problem arises ‐ a

guaranteed refund of the payment. Sellers want to increase their turnover

and establish themselves in the crypto scene. This is why PAYERA has set a

goal to establish trust between buyer and seller.

06 CONCEPT

PAYERA from its structure is pretty similar to the most successful e‐commerce

enterprise in the Asian region, but much easier to handle. Combined with

SHOP‐ & CARDERA we offer a multifunctional solution which does not exist on

the crypto market yet.

We will build upon on the best attributes cryptocurrencies have to offer ‐very

fast transactions and low fees‐ to enable sellers to market to the worldwide

growing audience of crypto users.

This project, with all its features and yet impressive in its simplicity, will be an

incredible and unique product for the crypto world that can be funded

through venture capital investments.

Our vision is to become the crypto

enterprise with the biggest number

of users worldwide, the place where

crypto owners can do online-

shopping worry-free. We are also

seeking to become the leading

global and universal crypto

platform.

Our mission is, to be our customer’s

first choice. The place, where you

preferably buy with crypto. We have

committed ourselves to perform all

our actions economically and eco-

friendly.

8 . MISSION 7 . VISION

09 SOLUTION

PAYERA offers an easy multifunctional solution for crypto users and sellers. We are

going to create a new era in the crypto‐payment gateway with PAY‐ / SHOPand

CARDERA.

BUYERS are protected against criminals, as we offer a full consumer protection for all transactions done through PAYERA. This protection includes all conventional goods as well as services. You also have the possibility to do internal wallet transactions free of charge.

SELLERS obtain the perfect

solution to get established in the

crypto scene and to increase

their proper sales volume. We

offer a full protection against

volatility on the crypto market by

offering an optional payment in

Fiat or the requested coin. PAYERA also has lower fees and a

shorter holding period compared

to other systems. Sellers also

have the opportunity to do

internal wallet transactions free

of charge.

For Supporters the PERA will

take on an important role in the

future concerning the crypto

payments, PERA is not going to

be a speculative coin. Our supporters finance a real

business model that will be far

from pseudo‐speculations. We

are confident, that our token will

be established also on other

platforms.

10 CROWDSALE INFORMATION

On April 3rd, 2018 we have opened the private sale to get attention from investors.

BUYER SELLER SUPPORTERS

On May 30th, 2018 we will start the Pre‐ICO sale to gain attention from the community.

On June 20th, 2018 we will launch the ICO with the goal to reach $ 21 million USD in funding.

TOKEN SALE BREAKDOWN

After the ICO, the unsold amount of tokens intended for the ICO sale will be burned.

Thanks to our highly motivated team that put a special focus on Roadmap, we are proud to say that what we have achieved up to today has been supported through our own means. The available means will help us to realize our project and will keep us following our passion for the crypto currency. In order to build up the PAYERA project in the segments development, marketing, team expansion

and distribution, we need your support, but first of all your trust. We are convinced that we will push PAYERA to the top of the market and we are looking forward

to every new business partner on this way. Together we will build a new era in the crypto world.

ICO STRATEGY

WHEN PRICE

PRE ICO START May 30th, 2018, 14:00 Uhr GMT / UTC +1 $ 0.01 USD

Private Sale 3 %

Pre ICO 10 %

ICO 57 %

ICO START June 20th, 2018, 14:00 Uhr GMT/UTC +1 $ 0.02 USD + 25 % referral

ADDITIONAL INFORMATION

TOKEN SYMBOL / PROTOCOL: PERA / ERC233 (Casper)

TOKEN QUANTATI: 2,100,000,000

MAX HARDCAP: $ 21 million USD

ICO PAYMENT MEANS: ETH, BTC, LTC, DASH, BCH

ICO DETAILS

11

12 SECURITY

Security is our highest priority. Any threat will be patched and published

through our specialists.

We will insert a self‐repair‐code in our updates.

We don’t just secure our customers’ data, we also encode and distribute them to

redundant servers on various continents to ensure datasecurity and –

consistency.

We do not pass on any data to third parties or for purposes for market

analysis.

The verification is only needed against would‐be criminals.

13 PROTOCOL / TOKEN

ADVANTAGES

The Casper-Protocol POS (Proof of Stake) is our chosen protocol, especially for crypto-

economical reasons, due to its many advantages concerning our environment in

comparison to the standard proof of work protocol.

Ethereum Casper is technologically advanced and superior in comparison to other protocols.

We always remain up to date regarding the crypto technologies and only implement the

most effective technologies for our users and PAYERA.

Ethereum is one of the most known and most accepted protocols in the crypto world. There

are many application possibilities and it has many supporters in the crypto community.

NOTE: If the Ethereum development team is not able to terminate the protocol test phase till the start of ICO, we will implement our token into the ERC233 protocol.

14 MORE ABOUT PAYERA

1. Guidelines for the PAYERA buyers’ and sellers’ protection are

transparent and simple. Established providers usually need a long

processing time and are based on a protection program that only

protects physical goods. Crypto‐based services only serve as a payment

system and don’t offer any security against potential criminals. PAYERA

offers extended consumer protection for physical and virtual purchases

as well as services.

2. Due to high fraud risk, most providers require many documents which

slows down the refund. Holding times of four or more weeks are not

unusual.

Should an issue arise, we will find a simple solution for both parties

(buyer/seller) and refund the payment immediately after solving the

issue.

3. We will offer an easy solution for issues that may arise. The parties will

have the opportunity to clarify the problem in a live chat within a

selfmediated discussion for the time being.

If there is no solution reached, we offer the option to involve our

clearing mediators as a third party and to chat in real‐time. Our task is

to solve conflicts straightforward and promptly. Should a mediator be

involved, the offender will be responsible to pay a fee of 1% of the

merchandise value.

4. We will give buyers the opportunity to rate the seller after a completed

purchase. The seller can reach different rankings in the system

depending on his success rate. With good ratings he has some

advantages like an immediate paying out and lower fees.

5. Users can send coins in the wallet free of charge. Additionally, the

private user can transform his user account into a business account.

Providing wallet transactions free of charge, we unfortunately cannot

offer a refund or guarantee.

6. For the seller’s protection we will exclude buyers who repeatedly

receive negative feedback from further purchases. Naturally, prior to

this we will first throroughly investigate the case to verify the facts

before taking such steps to exclude the buyer.

7. While other suppliers charge a fee between 2.9% and 5% of the total

purchase, PAYERA only demands 1% ‐and, depending on the seller’s

ranking, it could be even less.

8. Charity: A percentage of the fees will automatically be desposited into

a donation pot that will be evenly divided according to continents.

After a predetermined total amount has been collected, our PAYERA

foundation team will fly, regardless of religion or nationality, into any

needy region for support.

It is planned, – according to the local situation – to build schools and

water wells and supply school materials to support the education of the

children as needed in each locale.

So, as a PAYERA user you will be automatically contributing to the

charity.

9. Recommendation Program: When you promote a seller, we will

reward you for a lifetime for any through your recommended seller

sold article on our platform. A certain percentage of the fees made on

each sale will go automatically into your wallet. The seller registration

must be activated through your personal link or your profile name. The

recommendation program has a positive impact on the economic

growth of the sellers, private individuals and for PAYERA too. We would

say it is a win‐win‐situation.

10. From time to time there will be votes between the users. They will

decide which other cryptocurrencies should be listed in the wallet.

Additionally, an exchanger will be integrated. The exchange solution

will give the users the opportunity to change coins free of charge or to

change them into Fiat.

11. You can log‐in to your wallet with your finger print, via face recognition

or a pin code. PAYERA has no access to your user account as you are

the holder of your own private key.

Our concept also offers an online‐shop which allows merchants as well as the private individuals to offer their goods and sevices without any risk on the crypto market.

1. Do it easy instead of complicated. We have analysed the most common

online‐shops on the market and decided to create SHOPERA to make it

as easy as possible for the users: registration – log‐in –taking pictures of

the goods – set the price – a brief description ‐ and your advertisement

will be online. Merchants as well as private individuals now have the

opportunity to shop with crypto currencies. Through a location setup

(optional) you can locate which article is for sale in your close

environment, the distance can be chosen freely.

2. Each online‐shop charges a basic fee per article being sold. After having

analysed the most common markets together with our consultants we

decided to charge a basic fee between $ 0.05 USD and $ 0.50 USD

depending on the value of the goods using the shop.

We decided that private users can sell their goods free of charge through

SHOPERA. In order to be fair towards the dealer, a private seller can advertise and

sell max. 10 articles per month free of charge. By paying an extra fee, a private

seller is also allowed to sell more articles. Please note that only purchases and

sales are protected through PAYERA. By picking up the goods by yourself at the

sellers’ destination unfortunately there will be no buyer’s protection.

15

MORE ABOUT

SHOPERA

16 MORE ABOUT CARDERA

With CARDERA, the crypto‐payment‐card for everyday use, we want to offer our

customers

being flexible

even offline.

You will get

paid out your

coins

towards Fiat

currency at

ATMs or

easily

purchase your goods. For the future it is planned to introduce a partial or full

salary deposit.

(The card is going to cost $ 20.00 USD uniquely).

With our concept a paying card should not be missing. We now

have presented you two online solutions which offer a shopping

paradise for crypto users

Note: Dear prospectives and supporters, As there are actually problems concerning the visa cards of some designated entrepreneurs, we have been advised of a successful ICO to set the card in our roadmap deliberately on Q2 2020. Our intentions will be to reach our target earlier than planned and to market CARDERA successfully. Please understand that we are systematically following our targets step by step and don’t want to promise anything we cannot realize.

17 ROADMAP

03.04.18 – 28.05.18 PRIVATE SALE FINISHED

‐ 20.06.18 18.07.18 ICO

Q1 2019 BETA WALLET / APP

Q 3 2019 SHOPERA BETA

Q1 2020 ONLINESHOP APP

Q 2 2020 CARDERA

30.05.18‐20.06.18 PRE‐ICO OPEN

Q4 2018 INFRASTRUCTURE

Q1 2019 OFFICIAL WALLET

Q 4 2019 OFFICIAL SHOPERA VERSION

Q1 2020 API INTERFACE

Q 32020 CHARITY

Note: Dear prospectives and supporters, please keep in mind that the timeline of our roadmap will shrink drastically by reaching the hardcap.

This Whitepaper has been published on July 20th, 2018

E-mail: info@payera.io Web: www.payera.io

THANK YOU!