prospectus - icorating.com fileas in certain jurisdictions math-based currencies, crypto-currencies,...

65
World’s First Smart-Swap TM Contracts on Blockchain PROSPECTUS WWW.BOOKMYGAIN.COM Version BMG39.1 Making Your Investment ZERO-RISK

Upload: others

Post on 29-Oct-2019

5 views

Category:

Documents


0 download

TRANSCRIPT

Page 1: PROSPECTUS - icorating.com fileAs in certain jurisdictions math-based currencies, crypto-currencies, ICOs, crypto equities or crypto assets are strictly regulated by law please have

World’s First Smart-SwapTM Contracts on Blockchain

PROSPECTUS

WWW.BOOKMYGAIN.COM

Version BMG39.1

Making Your Investment ZERO-RISK

Page 2: PROSPECTUS - icorating.com fileAs in certain jurisdictions math-based currencies, crypto-currencies, ICOs, crypto equities or crypto assets are strictly regulated by law please have

Disclaimer & RisksGENERAL WARNINGAs in certain jurisdictions math-based currencies, crypto-currencies, ICOs, crypto equities or crypto assets are strictly regulated by law please have legal advice if you can

use services, websites, webpages or read any web content about such subject. DO NOT use our services, this website and subdomains, read any documents or get involved

with any activities related to crypto equities and/or crypto currencies in case of not being certain about your rights that the jurisdiction of your residence and/or citizenship

grants you.

USE OF WEBSITE

You are permitted to use our website for your own purposes and to print and download material from this website and subdomains provided that

you do not modify any content without our consent. Material on this website and subdomains must not be republished online or offline without our

permission. The copyright and other intellectual property rights in all material on this website and subdomains are owned by us or our licensors and

must not be reproduced without our prior consent. Subject to this Disclaimer, no part of this website and subdomains may be reproduced without our

prior written permission

COOKIE POLICY

Your continued use of the website will be taken as your consent to cookies being transmitted to, and stored on your device.

OUR USE

This website and subdomains uses cookies to personalise the site for you and are necessary to provide our services. You may choose to turn off cookie

support in your device settings and therefore block our cookies, and in doing so you may be unable to access our site. We also may use a technology

known as pixel tracking that allows us to track your receipt and response to our emails.

GENERAL ELIGIBILITY

Must be a minimum age of 18 to participate without a parent or legal guardian. Those who register under the age of 18, must have approval from their

legal guardian/parent. The legal guardian/parent will be required to be aware and responsible for communication regarding the campaign or program.

Also, legal guardians/parents will be responsible for co-executing all documentation regarding the campaign or program. Therefore, should a registrant

under the age of 18 receive anything, their legal guardian/parent will be considered the actual recipient. Please note, all communication in regards to

the campaign or program must be done in a timely manner. Should a registrant fail to get consent from a legal guardian/parent to participate and

agree to these terms and conditions, the registrant will be disqualified. Should a registrant fail to fully complete the required documents and supply

required information in a timely manner or with false information, the registrant will be ineligible. Participants must be residents of jurisdictions where

crypto assets are legal to receive, hold or to trade. Participants are responsible of being aware if crypto assets and/or any related activity is legal in their

jurisdiction. (See also: https://en.wikipedia.org/wiki/Legality_of_bitcoin_by_country_or_territory)

USE OF LOGOS & TRADEMARKS

In order to comply with and assure protection under international trademark law, the administrators of BOOKMYGAIN Ltd are required to monitor all

uses of its trademarks. Unauthorized use of BOOKMYGAIN Ltd’s trademarks is subject to civil and criminal penalties. The term “trademark” as used in

this policy includes any trademark, service mark, logo, insignia, seal, crest, design, symbol or any combination of these. BOOKMYGAIN Ltd’s trademarks

include, but are not limited to: the words “BOOKMYGAIN Ltd”, “BOOKMYGAIN Limited”; “BOOKMYGAIN Smart-Swaps“; “BOOKMYGAIN”; BOOKMYGAIN.

io; BOOKMYGAIN.com; ico.BOOKMYGAIN.org, BOOKMYGAIN logo; the official seal of BOOKMYGAIN Ltd; and all current and future trademarks, service

marks, word marks, designs or logos used by BOOKMYGAIN Ltd. BOOKMYGAIN Ltd asserts ownership over its name and any trademark that has come

to be associated with BOOKMYGAIN Ltd. BOOKMYGAIN Ltd has registered or filed to register certain of its trademarks with the authorized Patent and

Trademark Offices. Persons or entities which use BOOKMYGAIN Ltd trademarks or logos without permission are subject to civil and criminal penalties

pursuant to trademark law. BOOKMYGAIN Ltd intends to protect its trademarks, logos and associated goodwill to the full extent of the law.

VISITOR CONDUCT

With the exception of personally identifiable information, the use of which is covered under our Privacy Statement, any material you send or post

to this website and subdomains shall be considered non-proprietary and not confidential. Unless you advise to the contrary we will be free to copy,

disclose, distribute, incorporate and otherwise use such material for any and all purposes. When using this website and subdomains you shall not

post or send to or from this website and subdomains any material for which you have not obtained all necessary consents, is discriminatory, obscene,

pornographic, defamatory, liable to incite racial hatred, in breach of confidentiality or privacy, which may cause annoyance or inconvenience to others,

which encourages or constitutes conduct that would be deemed a criminal offence, give rise to a civil liability, or otherwise is contrary to the law of

Cayman Islands, United Arab Emirates.

EXCLUSION OF LIABILITY

We take all reasonable steps to ensure that the information on this website and subdomains is correct. However, we do not guarantee the correctness

or completeness of material on this website and subdomains. Neither we nor any other party (whether or not involved in producing, maintaining or

delivering this website and subdomains), shall be liable or responsible for any kind of loss or damage that may result to you or a third party as a result

of your or their use of our website.

LAW & JURISDICTION

BOOKMYGAIN Ltd’s conduct is in compliance with the Laws and Regulations of its jurisdiction. This Legal Notice shall be governed by and construed

in accordance with Cayman Islands and/or United Arab Emirate] law. Any dispute(s) arising in connection with this Legal Notice are subject to the

exclusive jurisdiction of the Country of Incorporation of BookMyGain LLC or any of its Managing Entities Or Parent Company(s).

RISKS

An acquisition of the BMG tokens involves a high degree of risk. Each potential purchaser of the BMG tokens should carefully consider the

following information about these risks before he decides to buy the BMG tokens. If any of the following risks actually occurs, the BMG platform and

the value of the BMG tokens could be materially adversely affected.

Risks and uncertainties described below in this White Paper may not be the only ones token holders face. Additional risks and uncertainties may also

materially adversely effect on the BMG platform or the value of the BMG tokens.

RISKS CONNECTED TO THE VALUE OF BMG TO-KENS1. Risks Relating to Highly Speculative Traded Price

The valuation of digital tokens in a secondary market is usually not transparent, and highly speculative. The BMG tokens do not hold any ownership

rights to Company’s assets and, therefore, are not backed by any tangible asset. Traded price of the BMG tokens can fluctuate greatly within a short

period of time. There is a high risk that a token holder could lose his/her entire contribution amount.

2. BMG Tokens May Be Under Purchased Value

The BMG tokens may be undervalued to your initial purchase amount and there is no guarantee or representation of liquidity for the BMG tokens.

Company Parties are not and shall not be responsible for or liable for the market value of the BMG tokens, the transferability and/or liquidity of the

BMG tokens and/or the availability of any market for the BMG tokens through third parties or otherwise. For the purposes of this Section of the

White Paper, the term “Company Parties” shall include Company and its respective past, present and future employees, officers, directors, contractors,

consultants, attorneys, accountants, financial advisors, equity holders, suppliers, vendors, service providers, parent companies, subsidiaries,

affiliates, agents, representatives, predecessors, successors and assigns (hereinafter in this Section – “Company Parties”).

3. BMG Tokens May Be Non-Refundable

Except for as provided in a legally binding documentation or prescribed by the applicable legislation, Company Parties are not obliged to provide the

BMG token holders with a refund related to the BMG tokens. No promises of future performance or price are or will be made in respect to the BMG

tokens, including no promise of inherent value, no promise of continuing payments, and no guarantee that the Tokens will hold any particular

value. Therefore, the recovery of spent resources may be impossible or may be subject to foreign laws or regulations, which may not be the same as

the private law of the BMG token holder.

BLOCKCHAIN AND SOFTWARE RISKS

1. Blockchain Delay Risk

On the most blockchain used for cryptocurrencies’ transactions (e.g., Ethereum, Bitcoin blockchain), timing of block production is determined by

proof of work so block production can occur at random times. For example, the cryptocurrency sent as a payment for the BMG tokens in the final

seconds of the BMG token sale may not get included into that period. The respective blockchain may not include the purchaser’s transaction at the

time the purchaser expects and the payment for the BMG tokens may reach the intended wallet address not in the same day the purchaser sends the

cryptocurrency.

2. Blockchain Congestion Risk

The most blockchain used for cryptocurrencies’ transactions (e.g., Ethereum, Bitcoin blockchain) are prone to periodic congestion during which

transactions can be delayed or lost. Individuals may also intentionally spam the network in an attempt to gain an advantage in purchasing cryptographic

tokens. That may result in a situation where block producers may not include the purchaser’s transaction when the purchaser wants or the purchaser’s

transaction may not be included at all.

Page 3: PROSPECTUS - icorating.com fileAs in certain jurisdictions math-based currencies, crypto-currencies, ICOs, crypto equities or crypto assets are strictly regulated by law please have

3. Risk of Software Weaknesses

The token smart contract concept, the underlying software application and software platform (i.e. the Ethereum, Bitcoin blockchain) are still

in an early development stage and unproven. There are no representations and warranties that the process for creating the BMG tokens will be

uninterrupted or error-free. There is an inherent risk that the software could contain weaknesses, vulnerabilities or bugs causing, inter alia, the

complete loss of the cryptocurrency and/or the BMG tokens.

4. Risk of New Technology

The BMG platform, the BMG tokens and all of the matters set forth in this White Paper are new and untested. The BMG platform and the BMG tokens

might not be capable of completion, creation, implementation or adoption. It is possible that no blockchain utilizing the BMG platform will be

ever launched. Purchaser of the BMG tokens should not rely on the BMG platform, the token smart contract or the ability to receive the BMG tokens

associated with the BMG platform in the future. Even if the BMG platform is completed, implemented and adopted, it might not function as

intended, and any BMG tokens may not have functionality that is desirable or valuable. Also, technology is changing rapidly, so the BMG platform and

the BMG tokens may become outdated.

SECURITY RISKS

1. Risk of Loss of Private Keys

The BMG tokens may be held by token holder in his digital wallet or vault, which requires a private key, or a combination of private keys, for

access. Accordingly, loss of requisite private keys associated with such token holder’s digital wallet or vault storing the BMG tokens will result in loss

of such BMG tokens, access to token holder’s token balance and/or any initial balances in blockchain created by third parties. Moreover, any third

party that gains BMG access to such private keys, including by gaining access to login credentials of a hosted wallet or vault service the token

holder uses, may be able to misappropriate the token holder’s BMG tokens.

2. Lack of Token Security

The BMG tokens may be subject to expropriation and or/theft. Hackers or other malicious groups or organizations may attempt to interfere with the

token smart contract which creates the BMG tokens or the BMG tokens in a variety of ways, including, but not limited to, malware attacks, denial of

service attacks, consensus-based attacks, Sybil attacks, smurfing and spoofing. Furthermore, because the Ethereum platform rests on open

source software, there is the risk that Ethereum smart contracts may contain intentional or unintentional bugs or weaknesses which may negatively

affect the BMG tokens or result in the loss of BMG tokens, the loss of ability to access or control the BMG tokens. In the event of such a software bug or

weakness, there may be no remedy and holders of the BMG tokens are not guaranteed any remedy, refund or compensation.

3. Attacks on Token Smart Contract

The blockchain used for the token smart contract which creates the BMG tokens is susceptible to mining attacks, including double-spend attacks,

majority mining power attacks, “selfish-mining” attacks, and race condition attacks. Any successful attacks present a risk to the token smart contract,

expected proper execution and sequencing of the BMG token transactions, and expected proper execution and sequencing of contract omputations.

4. Failure to Map a Public Key to Purchaser’s Account

Failure of a purchaser of the BMG tokens to map a public key to such purchaser’s account may result in third parties being unable to recognize

purchaser’s BMG token balance on the Ethereum blockchain when and if they configure the initial balances of a new blockchain based upon the BMG

platform.

RISKS RELATING TO PLATFORM DEVELOPMENT

1. Risk Related to Reliance on Third Parties

When completed, the BMG platform will rely, in whole or partly, on third parties to adopt and implement it and to continue to develop, supply, and

otherwise support it. There is no assurance or guarantee that those third parties will complete their work, properly carry out their obligations, or

otherwise meet anyone’s needs, all of might have a material adverse effect on the BMG platform.

2. Dependence of BMG Platform on Senior Management Team

Ability of the senior management team which is responsible for maintaining competitive position of the BMG platform is dependent to a large degree

on the services of each member of that team. The loss or diminution in the services of members of respective senior management team or an inability

to attract, retain and maintain additional senior management personnel could have a material adverse effect on the BMG platform. Competition

for personnel with relevant expertise is intense due to the small number of qualified individuals, and this situation seriously affects the ability to retain

its existing senior management and attract additional qualified senior management personnel, which could have a significant adverse impact on the

BMG platform.

3. Dependence of BMG Platform on Various Factors

The development of the BMG Platform may be abandoned for a number of reasons, including lack of interest from the public, lack of funding, lack of

commercial success or prospects, or departure of key personnel.

4. Lack of Interest to the BMG Platform

Even if the BMG platform is finished and adopted and launched, the ongoing success of the BMG platform relies on the interest and participation

of third parties like developers. There can be no assurance or guarantee that there will be sufficient interest or participation in the BMG platform.

5. Changes to the BMG Platform

The BMG platform is still under development and may undergo significant changes over time. Although the project management team intends for the

BMG platform to have the features and specifications set forth in this White Paper, changes to such features and specifications can be made for any

number of reasons, any of which may mean that the BMG platform does not meet expectations of holder of the BMG tokens.

6. Risk Associated with Other Applications

The BMG platform may give rise to other, alternative projects, promoted by unaffiliated third parties, under which the BMG token will have no intrinsic

value.

7. Risk of an Unfavorable Fluctuation of Cryptocurrency Value

The proceeds of the sale of the BMG tokens will be denominated in cryptocurrency, and may be converted into other cryptographic and fiat

currencies. If the value of cryptocurrencies fluctuates unfavorably during or after the BMG token sale, the project management team may not be able

to fund development, or may not be able to develop or maintain the BMG platform in the manner that it intended.

RISKS ARISING IN COURSE OF COMPANY PARTIES’ BUSINESS

1. Risk of Conflicts of Interest

Company Parties may be engaged in transactions with related parties, including respective majority shareholder, companies controlled by him or

in which he owns an interest, and other affiliates, and may continue to do so in the future. Conflicts of interest may arise between any Company

Party’s affiliates and respective Company Party, potentially resulting in the conclusion of transactions on terms not determined by market forces.

2. Risks Related to Invalidation of Company Parties Transactions

Company Parties have taken a variety of actions relating to their business that, if successfully challenged for not complying with applicable legal

requirements, could be invalidated or could result in the imposition of liabilities on respective Company Party. Since applicable legislation may subject

to many different interpretations, respective Company Party may not be able to successfully defend any challenge brought against such

transactions, and the invalidation of any such transactions or imposition of any such liability may, individually or in the aggregate, have a material

adverse effect on the BMG platform.

3. Risk Arising from Emerging Markets

Company Parties or some of them may operate on emerging markets. Emerging markets are subject to greater risks than more developed markets,

including significant legal, economic and political risks. Emerging economies are subject to rapid change and that the information set out in this

White Paper may become outdated relatively quickly.

GOVERNMENTAL RISKS

1. Uncertain Regulatory Framework

The regulatory status of cryptographic tokens, digital assets and blockchain technology is unclear or unsettled in many jurisdictions. It is difficult

to predict how or whether governmental authorities will regulate such technologies. It is likewise difficult to predict how or whether any governmental

authority may make changes to existing laws, regulations and/or rules that will affect cryptographic tokens, digital assets, blockchain technology

and its applications. Such changes could negatively impact the tokens in various ways, including, for example, through a determination

that the tokens are regulated financial instruments that require registration. Company may cease the distribution of the BMG tokens, the

development of the BMG platform or cease operations in a jurisdiction in the event that governmental actions make it unlawful or commercially

undesirable to continue to do so.

Page 4: PROSPECTUS - icorating.com fileAs in certain jurisdictions math-based currencies, crypto-currencies, ICOs, crypto equities or crypto assets are strictly regulated by law please have

2. Failure to Obtain, Maintain or Renew Licenses and Permits

Although as of the date of starting of the BMG token sale there are no statutory requirements obliging Company to receive any licenses and permits

necessary for carrying out of its activity, there is the risk that such statutory requirements may be adopted in the future and may relate to any of

Company Parties. In this case, Company Parties’ business will depend on the continuing validity of such licenses and permits and its compliance

with their terms. Regulatory authorities will exercise considerable discretion in the timing of license issuance and renewal and the monitoring of

licensees’ compliance with license terms. Requirements which may be imposed by these authorities and which may require any of Company

Party to comply with numerous standards, recruit qualified personnel, maintain necessary technical equipment and quality control systems,

monitor our operations, maintain appropriate filings and, upon request, submit appropriate information to the licensing authorities, may be

costly and time-consuming and may result in delays in the commencement or continuation of operation of the BMG platform. Further, private

individuals and the public at large possess rights to comment on and otherwise engage in the licensing process, including through intervention in

courts and political pressure. Accordingly, the licenses any Company Party may need may not be issued or renewed, or if issued or renewed, may not

be issued or renewed in a timely fashion, or may involve requirements which restrict any Company Party’s ability to conduct its operations or

to do so profitably.

3. Risk of Government Action

The industry in which Company Parties operate is new, and may be subject to heightened oversight and scrutiny, including investigations or

enforcement actions. There can be no assurance that governmental authorities will not examine the operations of Company Parties and/or pursue

enforcement actions against them. All of this may subject Company Parties to judgments, settlements, fines or penalties, or cause Company Parties

to restructure their operations and activities or to cease offering certain products or services, all of which could harm Company Parties’ reputation or

lead to higher operational costs, which may in turn have a material adverse effect on the BMG tokens and/or the development of the BMG platform.

4. Risk of Burdensomeness of Applicable Laws, Regulations and Standards

Failure to comply with existing laws and regulations or the findings of government inspections, or increased governmental regulation of Company

Parties operations, could result in substantial additional compliance costs or various sanctions, which could materially adversely affect Company

Parties business and the BMG platform. Company Parties operations and properties are subject to regulation by various government entities

and agencies, in connection with ongoing compliance with existing laws, regulations and standards. Regulatory authorities exercise considerable

discretion in matters of enforcement and interpretation of applicable laws, regulations and standards. Respective authorities have the right to, and

frequently do, conduct periodic inspections of any Company Party’s operations and properties throughout the year. Any such future inspections may

conclude that any Company Party has violated laws, decrees or regulations, and it may be unable to refute such conclusions or remedy the violations.

Any Company Party’s failure to comply with existing laws and regulations or the findings of government inspections may result in the imposition

of fines or penalties or more severe sanctions or in requirements that respective Company Party cease certain of its business activities, or in criminal

and administrative penalties applicable to respective officers. Any such decisions, requirements or sanctions, or any increase in governmental

regulation of respective operations, could increase Company Parties’ costs and materially adversely affect Company Parties business and the BMG

platform.

5. Unlawful or Arbitrary Government Action

Governmental authorities may have a high degree of discretion and, at times, act selectively or arbitrarily, without hearing or prior notice, and sometimes

in a manner that is contrary a law or influenced by political or commercial considerations. Moreover, the government also has the power in certain

circumstances, by regulation or government act, to interfere with the performance of, nullify or terminate contracts. Unlawful, selective or arbitrary

governmental actions have reportedly included the denial or withdrawal of licenses, sudden and unexpected tax audits, criminal prosecutions and

civil actions. Federal and local government entities have also used common defects in matters surrounding the Token sale as pretexts for court claims

and other demands to invalidate or to void any related transaction, often for political purposes. In this environment, Company Parties’ competitors

may receive preferential treatment from the government, potentially giving them a competitive advantage over Company Parties.

Page 5: PROSPECTUS - icorating.com fileAs in certain jurisdictions math-based currencies, crypto-currencies, ICOs, crypto equities or crypto assets are strictly regulated by law please have

Table of Contents

INTRODUCTION

THE PROBLEM

Who is this for?

OUR SOLUTION

Smart-Swap Protect

Smart-Swap Encash

Smart-Swap Grow

Smart-Swaps Schedule

Terms & Conditions

CASE STUDY

Case Study 1 - Crytpocurrency To Fiat Currency Smart Swap

Case Study 3 - Smart Swap Nomination

Case Study 2 - Fiat Currency To Cryptocurrency Smart Swap

Case Study 4 - Smart Swap Renewal

BOOKMYGAIN ECOSYSTEM

6

12

26

18

20

22

24

28

90

92

36

38

MARKET COMPARISON 64

Why ICO?

Token Sale Process

ICO Information

Premier Membership

ROADMAP

TOKEN SALE

TEAM

KARMA

BOOKMYGAIN Growth Fund

OUR BUSINESS MODEL

BOOKMYGAIN Crypto Index (BCI)

BOOKMYGAIN Smart-Swap Fund

78

80

82

84

VAULT 68

EXCHANGE 74

94

108

112

116

96

98

100

102

42

44

50

56

60

User Benefits

Investor Benefits

SMART-SWAPS 32

SAFEGUARDS & BENEFITS 88

104Allocations

106Token Distribution Process

Page 6: PROSPECTUS - icorating.com fileAs in certain jurisdictions math-based currencies, crypto-currencies, ICOs, crypto equities or crypto assets are strictly regulated by law please have

INTRODUCTION

Page 7: PROSPECTUS - icorating.com fileAs in certain jurisdictions math-based currencies, crypto-currencies, ICOs, crypto equities or crypto assets are strictly regulated by law please have

BOOKMYGAIN is a revolutionary, first of its kind service to provide protection against losses,

Encash capital and make more gains from future volatility in the cryptocurrency market - All at the

same time.

The natural state of any market, whether financial, cryptocurrency or real-estate, is to go up or down,

which is called volatility in the financial world. Volatility is a double-sided sword. If you are on the correct

side you gain from it, else you can lose all or part of your gain or sometimes even your capital. Due to

the extraordinary volatility in the cryptocurrency market in recent times, a sentiment of uncertainty

has grown amongst investors regarding its future trajectory. Investors are uncertain whether to protect

their achieved gains today by encashing it or hold the assets incase of any future gains. Both have their

pros and cons. Encashing gains today brings down the risk by providing immunity from losses but this

option also prevents the investor from any future gain, which may cause regret. Holding (HODL) on to

the asset to get any potential future gain may put todays gain or sometimes even the capital at risk.

First time in the history of financial markets, investors can be protected from any loss, are able to

encash their blocked capital & gain and still be able to make future gains at ZERO RISK. In other words,

BOOKMYGAIN makes it possible for investors to not only enjoy their gain today without borrowing

against the asset, but also not take away the option for them to benefit from the future volatility in the

market for future gains.

This is achieved by doing a Smart Swap of the investor’s asset with BOOKMYGAIN, where we will

instantly encash the market value of the Swapped Asset and provide a swap back option of the same

number of Swapped Assets for a later date. This will allow the investor to swap-back the assets at

the original swapped value after the chosen tenure has expired. Simply put, the investor will have

the option to swap back the swapped asset if the value of the asset has gone up after the tenure

finishes and in the event the value has gone down, he can simply keep the swapped monies, eventually

benefiting from both scenarios.

BOOKMYGAIN will charge a small percentage of the gain for this ‘Risk Sharing’. This Risk Sharing Fee is

only applicable if the investor has made a gain and would not apply if the value of the swapped asset

has depreciated.

BOOKMYGAIN also provides a perfect entry for a potential new fiat investor who has been reluctant

about investing in the cryptocurrency market mostly because he/she was never sure how to manage

the risks due to the volatility and the surrounding uncertainity. A newbie fiat investor can simply Smart-

Swap any major Fiat currency with a desired cryptocurrency and enjoy the same privilege as any other

cryptocurrency investor.

This Smart-Swap contract will be exactly the same as a CryptoCurrency Smart Swap where, if the

cryptocurrency value rises, the investor gains from it and can encash it in either fiat or crypto currency,

but if the crypto currency value goes down, the investor simply has secured their loss to capital and

gets the full amount of fiat funds back and BOOKMYGAIN manages the loss.

BOOKMYGAIN provides complete comfort of no loss to the new fiat investor and makes the

cryptocurrency market very accessible to investors who have always feared the volatility in this

investment space. This way BOOKMYGAIN does its part of supporting the cryptocurrency community

by expanding it to new fiat investors and give them a confident start. Our product and services are

specifically designed to transform the conventional style of investments where there is no protection

or enjoyment of gains and only restrictions and risks, our ecosystem alters this by addressing these

fundamental problems of investment.

BOOKMYGAIN is designed on the three pillars of any investment i.e.,

PROTECT

To provide a mechanism to investors where their capital is protected. We aim to give our users not a

risk - controlled but a risk-free enivronment, where they dont have to worry about losses anymore.

BOOKMYGAIN would be the first service to provide its users with a ‘No Loss’ promise on their capital.

ENCASH

To provide our users with immediate liquidity to enjoy their blocked capital which, until now was only

possible by either selling their favorite investment and forfieting the future potential of their asset or

by getting commited to a loan where every month part of your gain or capital is paid as interest.

GROW

The strongest pillar of any invesment is to make it ‘Grow’. BOOKMYGAIN’s unique model will not only

protect and unblock its users capital but also provide them access to the markets for future gains to

untap the true potential of their investment.

Page 8: PROSPECTUS - icorating.com fileAs in certain jurisdictions math-based currencies, crypto-currencies, ICOs, crypto equities or crypto assets are strictly regulated by law please have

INVESTOR DILEMMA

Early ExitLate Exit Blocked CapitalUncertainity of future

Regret of missing out future gain

Underperformance of Investment due to no risk

management

At any stage of investment, every investor faces these two choices

Exit HODL (Hold)PROBLEM

Risk of losing Gain

Risk of losing Capital

Regret of not booking gain

Investor Capital is used in an investment (hence

blocked) but they also wish to invest in a parallel

investment. The investor can either liquidate (sell) or

borrow at high interest rates to achieve this. But

both have their own drawbacks.

SOLUTION

PROTECTAllows Booking Gain

Capital is always protected

Makes Investment - ZERO RISK

GROWInvestor gets all future

gains and remains immune to any loss

There is no Regret due to an Early Exit as investor risk is reduced to ZERO

ENCASHUnblocks investors 100%

Capital at 0% Interest and NO Monthly Payments

Investor has option to NEVER return the unblocked capital

ONE STOP SOLUTION FOR ALL INVESTOR PROBLEMS - AT ONCE

Page 9: PROSPECTUS - icorating.com fileAs in certain jurisdictions math-based currencies, crypto-currencies, ICOs, crypto equities or crypto assets are strictly regulated by law please have

12 13

aCHIEVE hIGHEST POSSIBLE RETURN

ON CAPITAL

REDUCE OR ELIMINATE RISK

UNBLOCK CAPITALIN SHORTEST TIME

POSSIBLE

INVESTORGOALS

THEPROBLEM

To understand a problem which every investor faces, we first need to understand what is

the goal and hence the problems in fulfilling the goal.

WHY IS THERE A PROBLEM?

Figure 1

Page 10: PROSPECTUS - icorating.com fileAs in certain jurisdictions math-based currencies, crypto-currencies, ICOs, crypto equities or crypto assets are strictly regulated by law please have

14 15

IDEALLYA protection mechanism through which the investors does not get

effected by loss and can stillget the highest gain

Figure 3

ACHIEVE HIGHEST POSSIBLE RETURN ON CAPITAL

Every investor wishes to get the most optimal return on their invested capital. Commonly

known as Gain.

More than often this is affected by the investor’s sentiment during the cycle of the

investment (Figure 2).

The investor may do one of the following during the investment life:

• Exit too early and not get the highest possible reward. This option is used by investors

to reduce their risk of the unknown and hence encash their gains.

• Exit too late and lose part or all of their gain (sometimes even part of their capital).

Majority of the investors fall in this category as they get engulfed by anxiety and denial.

• Exit at the perfect time and achieve the most optimal gain. Only a marginal percentage

of investors are able to achieve this and even then not consistently.

This sentiment of the investor leads to the Million Dollar Question :

Is the current gain the most Optimal Gain I can get, should I hold or encash?

How can I protect my current gain without letting go of any

future gain?

At every stage of the market, all investors are faced with this question time and again

(Figure 3). An early encashment of your gains could lead to loss of potential gain just like a

late exit could risk the current gain and sometimes capital too.

The ideal situation would be to have a protection mechanism where the investor could

protect their current gain and somehow still be able to get future gain, which the current

market construction does not facilitate, since the market wants someone to lose as that

is someone else’s gain.

Figure 2

Page 11: PROSPECTUS - icorating.com fileAs in certain jurisdictions math-based currencies, crypto-currencies, ICOs, crypto equities or crypto assets are strictly regulated by law please have

16 17

IDEALLYReduce Risk

while still getting theHigher Gain

Investment Starts

Investment completes

&Get reward

investment 1 life

investment 2

XCan’t use the blocked

capital from Investment 1 to fund

Investment 2 without sacrifising the

gain of Investment 1.

Blocked capital Problem

Can’t use the blocked capital from

Investment 1 for any other purpose such as buying new home, car or travel

without a loan which may eat up the gains from the

investment.X

Get an expensive Loanagainst the capital which may eat up

any gains from the investment.OR

IDEALLYUse Blocked Capital for any

purpose without a loan &still get the Gains

from the Investments

REDUCE OR ELIMINATE RISK

Risk is key in every investment. Risk decides how lucrative an investment opportunity

can be. Risk and Gain are mostly directly related - higher the risk, higher can be the gain.

This higher gain becomes less probable due to the high risk. The aim of every succesfull

investor is to make the gain as probable as possible, this is achieved by lowering the risk

which in turn lowers the gain - trapping the investor in a viscious cycle.

Therefore, the ideal situation would be to reduce risk while still getting the higher gain.

UNBLOCK CAPITAL IN SHORTEST TIME POSSIBLE

The sooner the investor can unblock their capital (without effecting the gain) the sooner

they can use it for other investment opportunities for more gain - this increases the yield,

which is very desirable for any investor.

The investor may also want to use the blocked capital for some other urgent needs (such

as investing in another opportunity, buying a car, house, medical bills, travel etc... ) mid-

way of the investment life cycle. The only way to then utilise this blocked capital without

losing the gain would be to get a loan against the asset. The problems with a loan are

plenty:

• Poor Loan-To-Value Ratio

• Expensive

• Need extra capital to furnish the monthly payments

• Asset devaluation: When the asset becomes cheaper than the loan one has against it

Page 12: PROSPECTUS - icorating.com fileAs in certain jurisdictions math-based currencies, crypto-currencies, ICOs, crypto equities or crypto assets are strictly regulated by law please have

18 19

OURSOLUTION

First time in the history of financial markets, it is now possible to achieve all the ideal scenarios

mentioned in the above section. BOOKMYGAIN is a revolutionary service providing a unique

mechanism to book your current asset value and protect (eliminate risk), encash (unblock your

capital) and grow (still get the highest reward) your investment, all at the same time. This is achieved

by BOOKMYGAIN Smart Swaps.

SMART - SWAPSmart - Swaps are time-bound smart contracts between BOOKMYGAIN

and investors on the blockchain platform. Smart - Swaps enables investors

to swap their holding asset (cryptocurrencies or fiat currencies) at its

current market value allowing investors to use their unblocked capital (and

any gains) and still be able to get any future gains on these assets.

By entering into a BOOKMYGAIN Smart - Swap contract, investors will be able to encash their current

assets value (capital + any gain) without losing the right to swap back the assets at the swapped value

after their Swap Tenure expires.

When investing in any market there can only be three outcomes:

1. The value of your asset goes above the original invested value

2. The value of your asset goes below the original invested value

3. The value of your asset remains the same

In the case, where the value of the swapped asset is above than the original swap value at the end

of the tenure, investors can use their smart-swap contract and swap back the swapped asset at the

original value, thereby profiting from the increase in the value of the asset after having enjoyed the

encashed gain since the beginning of the smart-swap.

On the other hand, where the value of the swapped asset goes below the original swap value at the

end of the tenure, investors have already profited by the smart-swap and have no obligation to swap

back the depreciated asset at the original swap value, thereby smart-swap has protected investors

from the decrease in the value of the asset by encashing their gains, irrespective of the future market

sentiment.

Page 13: PROSPECTUS - icorating.com fileAs in certain jurisdictions math-based currencies, crypto-currencies, ICOs, crypto equities or crypto assets are strictly regulated by law please have

20 21

Figure 4

protectEliminates Risk completely and provides an opportunity for the investor to get Highest Gain at

ZERO RISK

PROTECT

Up till now the only way investors could protect their gain would mean for them to liquidate their

investment at the market value they consider to be optimal (but not necessarily it maybe the optimal

gain). Without any protection for gains, the investment could make high returns but then quickly

disappear due to the volatile state of the market. BOOKMYGAIN Smart - Swaps provides investors a

tool to protect their gains in precisely such an event.

BOOKMYGAIN has developed a unique solution which will dramatically change the workings of

investors globally. With Smart-Swaps, we aim to provide a ‘Protection Mechanism’ to our users by

giving them an environment with a ‘No Loss’ promise, making them immune from the negative volatility

affecting their asset.

With exceptional risk management skills our team has acquired over decades in the pits of the markets,

we are able to capitalize on these waves of volatility, which feeds on novice investors. This allows us

to fulfil our ‘No Loss’ promise to our users and protect their asset. To understand how we make this

possible, please refer to our business model section.

Using Smart-Swap book your current asset price

Smart-Swap promises booked price to user irrespective of market fluctuation

If price goes below booked price, the user is protected from any loss

PROTECT

Jump to Business Model

Page 14: PROSPECTUS - icorating.com fileAs in certain jurisdictions math-based currencies, crypto-currencies, ICOs, crypto equities or crypto assets are strictly regulated by law please have

22 23

Figure 5

encashUnblocks the investors capital without a loan or any interest nor any monthly payments.

BOOKMYGAIN Smart - Swaps not only protects the capital of investors but also allows them

to unblock their capital without having to borrow or sell their favourite asset. Our aim is to provide

our users with the flexibility of using their invested capital while their investment grows. Traditionally,

this has not been possible because banks and lenders have been too busy charging high interest rates

from their borrowers and paying too little to their depositors.

BOOKMYGAIN aims to eradicate this conventional approach and provide fair access to blocked

capital. Now, investors will not have to worry about Loan-To-Value ratios or their credit scores or

resort to the last option of selling their asset in order to access cash. Our encashment ratios are 1:1,

which simply means that we provide our users with access to their 100% capital and any gains at 0%

interest. BOOKMYGAIN’s cutting-edge business model is able to generate high-revenues with these

swapped assets in order to make this possible, keeping users and investors happy.

So, feel free to buy the house of your dreams, the car that you always wanted, invest in new mining

equipment or go on your dream vacation or simply re-invest in other assets to maximize your growth

because BOOKMYGAIN will never ask you to return what was always yours.

Using Smart-Swap unblock your capital and gain in your asset

immediately at booking

Smart-Swap gives immediate liquidity of your asset at 100% of it’s

value (unlike a loan)

Smart-Swap provides the liquidity at NO INTEREST, NO MONTHLY

PAYMENTS

With Smart-Swap you still own the asset after encashment

PROTECT

E

NCASH

Spend/Invest as you please as we will never ask you to return your

capital

ENCASH

Page 15: PROSPECTUS - icorating.com fileAs in certain jurisdictions math-based currencies, crypto-currencies, ICOs, crypto equities or crypto assets are strictly regulated by law please have

24 25

Figure 6

growProvide investors the

opportunity to still gain from future potential growth

AT ZERO RISK

BOOKMYGAIN has already provided investors with investment protection and access to their

capital, what really sets BOOKMYGAIN apart is the third arrow in its quiver – BOOKMYGAIN

Grow. Post Smart - Swaps, users will still be able to gain from the volatility of the market but will remain

immune to any losses. At the expiry of the Smart - Swap Tenure, users may encash their new gain

or renew their Smart - Swap Contract at the new appreciated value, in either case users are given the

new gain.

Alternatively, with our unique Nomination Facility, users will also have the option to nominate their

Smart-Swap contract during their contract tenure if they wish to gain interim-access to their new

gain.

Smart-Swap allows user to still gain from the market

User only gains and remains immune to the losses

PROTECT

E

NCASH

GROWGROW

Jump to Case Studies

Page 16: PROSPECTUS - icorating.com fileAs in certain jurisdictions math-based currencies, crypto-currencies, ICOs, crypto equities or crypto assets are strictly regulated by law please have

26 27

Short Term InvestorInvestor who is in the market for a few days to weeks may need protection against losses due to volatility of the market while still making profits. BOOKMYGAIN provides the much needed protection against any loss and still gives you your gain and unblocks your capital to make parallel investments.

Desperate Investor

Long Term Investor

Newbie Investor

So you like to HODL (Hold) your investments for long periods of

time. The problem you face is blocked capital, which you know

you can use more efficiently in other investments but you just

don’t want to sell yet or borrow at high interest rates. So unblock

your capital with BOOKMYGAIN and invest in parallel investments

to more efficiently grow your portfolio while you still profit

from this investment.

You’re looking to join the cryptocurrency money wave but

just don’t know how to handle the risks. Well BOOKMYGAIN gives

you protection for ALL your invested capital, so all you have to plan is where to spend the profits

as your capital is at ZERO RISK.

You may need to urgently encash your assets even though you know you can profit more if you held the asset for longer. So you either borrow or sell. Why not just encash your asset and still get the potential gain in the future with added protection against losses at 0% interest and no monthly payments?

WHO IS THIS FOR?

Page 17: PROSPECTUS - icorating.com fileAs in certain jurisdictions math-based currencies, crypto-currencies, ICOs, crypto equities or crypto assets are strictly regulated by law please have

28 29

ECOSYSTEM

Page 18: PROSPECTUS - icorating.com fileAs in certain jurisdictions math-based currencies, crypto-currencies, ICOs, crypto equities or crypto assets are strictly regulated by law please have

30 31

SM

AR

T-SW

AP VAULT

ECOSYSTEMPROTECT

ENCASH

GROW

2- STEP

SECURITY

MOBILEAPP

FREE

VAULT-TO-VAULT

TRANSFER

CONNECTED

TO

BMG EXCHANGE

FORINSTANT

EXECUTION

WIDE

CRYPTOCURRENCY

SUPPORT

INSTANT

APPROVAL

WITHIN

BMG NETWORK

PARK

FIAT CURRENCY

DEBITCARD

NO

TRANSACTION

FEE

INSTANT

EXECUTION

MARKET

MAKING

NFCINSTANT

PAYMENTS

EXCHANGE

ECOSYSTEMBOOKMYGAIN’s Ecosystem has been designed to serve as a one-

stop destination for all investors by offering multiple services under

the same roof. Our aim is to create a state-of-the-art ecosystem to

serve our users for all their money markets investment

requirements.

To achieve this we have branched

our operations into 3 major categories :

1. Smart-Swaps

2. Vault (Wallet Services)

3. Exchange

Smart-Swap

Allow investors to Protect, Encash

& Grow their asset portfolio by using

our revolutionary Smart-Swap Service.

Providing a ZERO RISK investment

solution to short

and long-term investors alike.

Smart-Swaps are designed to help

Cryptocurrency Veterans and newbie

Fiat Investors who are reluctant to enter

into the industry and need a stable platform to invest

their money.

Vault

BOOKYMGAIN Vault is a user friendly multi

device & multi platform cloud wallet. Our vault

services will allow our users to do Smart-Swaps

anytime and also provide state-of-the-art

currency storage with conversion service. BMG

Vault will make crypto transactions cheaper than

conventional banking by making Vault to Vault

transactions free of charge.

With BOOKMYGAIN

Debit Card, accessing

your assets would be

easier than ever before.

Users will have ease

of access to their crypto

assets while being protected

and still achieve unobstructed growth.

Exchange

BOOKMYGAIN Exchange , will make 3rd Party wallet

transactions drastically cost-effective. With our own operational

exchange , we would be able to serve our Smart-Swap & Vault users

with near zero fee trade solution and also expand our operations to

more external users allowing us to be a market leader for buying and

selling crypto currencies.

Having an in-house Exchange, will also facilitate in executing instant

transactions ergo reducing transaction costs and variable spreads.

Page 19: PROSPECTUS - icorating.com fileAs in certain jurisdictions math-based currencies, crypto-currencies, ICOs, crypto equities or crypto assets are strictly regulated by law please have

32 33

More than just a contract

SMART-SWAPS

Page 20: PROSPECTUS - icorating.com fileAs in certain jurisdictions math-based currencies, crypto-currencies, ICOs, crypto equities or crypto assets are strictly regulated by law please have

34 35

Cash

SWAP ACCEPTED CRYPTOCURRENcIES

Currency basket will amended as per need

GlossaryTENURE

Tenure of the Smart - Swaps chosen by the user.

MINIMUM SWAP AMOUNT

The minimum amount allowed to be swapped as per each respective tenure.

MAXIMUM SWAP AMOUNT

The maximum amount allowed to be swapped as per each respective tenure.

This may increase in correlation with the swap book.

RISK SHARING FEE (RSF)

Fee charged by BOOKMYGAIN at the end of the tenure of a Smart - Swap. This fee is only

charged from the net gain. In case the user has not made any gain the Risk Sharing Fee is

NOT charged.

For investors who hold BOOKMYGAIN Tokens (BMG) can chose to pay this fee with

their BMG Tokens.

INTEREST GIVEN TO CLIENT

Users who chose 1.5 year and 2+ year options, are given the added advantage to receive

interest on their swapped amount from BOOKMYGAIN payable at the end of the tenure.

This interest paid by BOOKMYGAIN to the user is irrespective of the user making a gain

or not.

RENEWAL BONUS TO CLIENT

Users who renew their Smart - Swap contracts are given a Renewal Bonus payable at the

end of the tenure.

Page 21: PROSPECTUS - icorating.com fileAs in certain jurisdictions math-based currencies, crypto-currencies, ICOs, crypto equities or crypto assets are strictly regulated by law please have

36 37

TENURE

45 Days

90 Days

270 Days

180 Days

1.5 Years

1 Year

2 Years +

Minimumswap

amount

$100

$100

$100

$100

$100

$100

$100

Maximumswap

amount*

$10,000

$25,000

$50,000

$100,000

$250,000

$500,000

$500,000

Risksharing

fee (rsf)**

15.00%

14.00%

12.00%

10.00%

5.00%

3.00%

NO FEE

Interestgiven toclient***

No Interest

No Interest

No Interest

No Interest

No Interest

7.50%

14.00%

SMART-SWAPS SCHEDULE

All amounts are shown in US Dollars

*Risk Sharing Fee is charged from net gain. No Risk Sharing Fee charged if No Gain.**Interest is calculated on intitial swapped amount and is calculated on Simple Interest basis.

Renewalbonus

to client

7.50%

6.00%

4.50%

3.50%

2.00%

NO FEE

NO FEE

***

Swap limits to increase based on growth.

Page 22: PROSPECTUS - icorating.com fileAs in certain jurisdictions math-based currencies, crypto-currencies, ICOs, crypto equities or crypto assets are strictly regulated by law please have

38 39

TERMS & CONDITIONS

1. All BOOKMYGAIN Smart-Swap, Swap Back Options will only be actionable after the

expiry of the chosen tenure.

2. The Exchange Rate of all currencies will be taken at the day of the commencement

of the Smart-Swap contract and from a BOOKMYGAIN nominated exchange. In the

future, BOOKMYGAIN will create and operate its own exchange, please refer to roadmap

section.

3. All Smart-Swap contract holders will be notified 14 Days prior to their Smart-Swap

Tenure Expiry date and requested to inform about their decision to encash, renew or

mature their contracts.

4. If BOOKMYGAIN is not notified prior to the expiry of the Smart Swap contract Tenure,

the contract will become irreversible and will be regarded as a Buy & Sell Contract, where

BOOKMYGAIN has bought the swapped assets from the contract holder at the original

swap value. In such an event, the contract holder will not be liable to pay or return any

swapped monies by BOOKMYGAIN and the Swap Back Option will not be valid anymore.

5. Nomination Facility will be available to all Smart Swap contracts with a tenure of more

than 91 days. Nominations can be done either through the BOOKMYGAIN Exchange or via

private negotiation. If, any contract is nominated outside the BOOKMYGAIN Exchange

or via private negotiations outside BOOKMYGAIN, it is the responsibility of the Smart

Swap contract holder & the Nominated contract holder to register their nomination with

BOOKMYGAIN Exchange. BOOKMYGAIN will charge a 2% of Gains nomination fee for all

successful nominations. Please refer to Case Study 3.

6. In the Event of a Nomination:

• The contract holder can list his/her Smart Swap contract on BOOKMYGAIN’s

exchange and perform a nomination with a potential investor.

SWAP

SMART

TERMS &

CONDITIONS

Page 23: PROSPECTUS - icorating.com fileAs in certain jurisdictions math-based currencies, crypto-currencies, ICOs, crypto equities or crypto assets are strictly regulated by law please have

40 41

b. If, The Swapped Asset Value is Lower than the Original Swap Value:

• The Contract Holder can furnish the shortfall by remitting more of the Swapped assets

or Fiat currency in order to renew the contract. .

• The Contract Holder can notify BOOKMYGAIN about his/her desire to neither renew

nor encash his/her contract and keep the original encashed value. In such an event,

the Smart-Swap contract will become irreversible and will be regarded as a Buy & Sell

Contract, where BOOKMYGAIN has bought the now depreciated Swapped assets

from the contract holder at the Original Swap Value and the Contract Holder will not

be liable to pay or return any swapped monies to BOOKMYGAIN.

c. If, The Swapped Asset Value is Equal to the Original Swap Value:

• The Contract Holder can renew the original Smart Swap contract for another term of

his/her choice with the same number of Swapped Assets.

• The Contract Holder can encash his/her contract and BOOKMYGAIN will not charge

any Risk Sharing Fee. In such an event, BOOKMYGAIN can either remit fiat currency of

the contract holder’s choice or the original number of Swapped assets to the contract

holder’s BMG Vault.

8. In the Event of an early termination ie. cancelation prior to the Smart-Swap Contract

Tenure Expiry:

• BOOKMYGAIN will charge the Risk Sharing Fee of the gain (if any).

• AND, BOOKMYGAIN will charge an early termination fee of a maximum of 50% of net

gain calculated on pro-rata basis chosen tenure OR 20% Flat Fee if there is no gain.

• In Smart-Swap contracts where the investor is promised interest by BOOKMYGAIN,

interest component will be forfeited.

9. All Smart-Swap contract holders would have to remit their to be swapped assets to

BOOKMYGAIN at initiatiation of the contract. It would be BOOKMYGAIN’s reponsibility

to protect and make those assets avaialble to the contract holder at the end of the tenure.

• The contract holder can perform a nomination with an investor in his/her private

network. The following would have to be complied for a successful nomination:

1. The Nominee would have to register his/her nomination with BOOKMYGAIN

Network.

2. The Nomination would take place through the BOOKMYGAIN Exchange.

3. BOOKMYGAIN will charge a 2.00% of Gain Nomination Fee for this service.

• The contract holder can either put the contract for nomination at a Fixed Price or

Open it for Bidding in the BOOKMYGAIN Exchange. In the event, the contract is

Opened for Bidding, the Highest Bidder within the designated time will be nominated

and BOOKMYGAIN will facilitate the transaction.

• BOOKMYGAIN does not guarantee any nominations for contracts, this service has

only been offered to avoid contract holders from paying high default rates.

7. At the Expiry of a Tenure;

a. If, The Swapped Asset Value is Higher than the Original Swap Value:

• The Contract Holder can encash the gain. In Such an event, BOOKMYGAIN would

deduct its relevant Risk Sharing Fee (RSF) and remit the balance gain to the Contract

Holder’s BMG Vault in the currency of his/her choice.

• The Contract Holder can Swap Back the original number of Swapped Assets by

simply returning the original encashed value to BOOKMYGAIN. In such an event,

BOOKMYGAIN will transfer the original number of Swapped Assets to the contract

Holder’s BMG Vault after it has received the original encashed value.

• The Contract Holder can renew his/her Smart Swap contract for another tenure of his/

her choice at the new appreciated value. In this event, BOOKMYGAIN would credit

the relevant Renewal Bonus and deduct the relevant Risk Sharing Fee of the original

contract. The Smart Swap Contract would be renewed at the new Exchange Rate.

Page 24: PROSPECTUS - icorating.com fileAs in certain jurisdictions math-based currencies, crypto-currencies, ICOs, crypto equities or crypto assets are strictly regulated by law please have

42 43

CASE STUDYDocumented study of a specific real-life situation or imagined scenario

All Case Studies are assumed to have ZERO Exchange Rate

Page 25: PROSPECTUS - icorating.com fileAs in certain jurisdictions math-based currencies, crypto-currencies, ICOs, crypto equities or crypto assets are strictly regulated by law please have

44 45

John’s Smart-SwapAsset to be Smart-Swapped 10 x Bitcoins

Smart-Swap Tenure 90 Days

Smart-Swap Asset encashed in US Dollar

Exchange Rate (BTC/USD) $7,000

Risk Sharing Fee* 15.00%

* Risk Sharing Fee only charged from net gain at tenure maturity. Refer to Smart-Swap Schedule for all rates (Page 24)

Interest Bearing NA

Nomination Facility Yes

SWAP

SMART

Swaps 10 Bitcoins @ BTC/USD 7,000 for 90 days

Receives USD 70,000 instantly +

Swap Back Option for 10 BTC @ BTC/USD 7,000 at 90 days tenure expiry

EXCHANGE RATEDay 1

$7,000

Day 1

BTC/USD

John’s Assets Day 1

(10 BTC x $7,000) $70,000

$70,000

Current Market Value

Encashed Gain

Figure 7

Figure 8

John is an investor who holds 10 Bitcoins and wishes to protect his capital by doing a BOOKMYGAIN

Smart-Swap with the following Smart-Swap Contract (Figure 7):

CRYPTOCURRENCY-TO-FIAT CURRENCY SMART-SWAP

CASE STUDY 1

John Smart-Swaps with BOOKMYGAIN his 10

Bitcoins for 90 days, at the current exchange rate

of

BTC/USD = USD 7,000

STEP 1: INITIATE SMART-SWAP

John receives USD 70,000 instantly in his BMG

Vault along with a Swap-Back Option of

10 Bitcoins at an exchange of

BTC/USD = USD 7,000.

Page 26: PROSPECTUS - icorating.com fileAs in certain jurisdictions math-based currencies, crypto-currencies, ICOs, crypto equities or crypto assets are strictly regulated by law please have

46 47

John’s Assets Day 90

$150,000

$70,000

New Market Value

Encashed Gain

$80,000New Gain

Less Risk Sharing Fee $12,00015.00% of New Gain

$138,000Total Assets

10 BTC x $15,000

SWAP

SMART

Informs BOOKMYGAIN to encash new gain in USD

BOOKMYGAIN transfers $80,000 - Risk Sharing Fee to John

$15,000

Day 90

BTC/USD

Scen

ar

io 2 John’s Assets Day 90

$40,000

$70,000

New Market Value

Encashed Gain

$30,000Loss AvoidedBy BOOKMYGAIN

Less Risk Sharing Fee $0No Gain No Fee

$70,000Total Assets

10 BTC x $4,000

Non-Protected InvestorSuffers Loss of $30,000

Figure 9

Informs BOOKMYGAIN to not Swap Back his depreciated Bitcoinsand wishes to keep the encashed gain of $70,000

$4,000

Day 90

BTC/USD

Figure 10

Scen

ar

io 1

On Day 90,

the markets have rallied to

BTC/USD = USD 15,000.

John decides to exercise his Swap Back Option

to encash his new gain, he can do so in either

Bitcoins or US Dollars.

John decides to chose US Dollars as his preferred

currency for encashment. After informing

BOOKMYGAIN of his decision, BOOKMYGAIN

deducts its 15.00% Risk Sharing Fee from the new

gain and transfers the balance of USD 68,000 to

John’s BMG Vault.

SCENARIO 1BITCOIN HAS APPRECIATED

On day 90,

the markets have dipped to

BTC/USD = USD 4,000.

John decides not to exercise his Swap Back

Option in order to retain his already encashed

gain of USD 70,000.

After informing BOOKMYGAIN of his decision,

BOOKMYGAIN indemnifies John of any

obligation to Swap Back the now depreciated

Bitcoins.

This way, John was made immune to a loss of USD

30,000.

SCENARIO 2BITCOIN HAS DEPRECIATED

STEP 2: AT TENURE EXPIRY

Page 27: PROSPECTUS - icorating.com fileAs in certain jurisdictions math-based currencies, crypto-currencies, ICOs, crypto equities or crypto assets are strictly regulated by law please have

48 49

New Capitalwith

BOOKMYGAINSmart-Swaps

Scenario

New capitalWithout

BOOKMYGAIN Smart-Swaps

$150,000Bitcoin

Appreciatesto $15,000

$150,000

Capital

10 BTCcurrent value

$70,000

Gain/LossWithout

BOOKMYGAINSmart-Swaps

Gain/losswith

BOOKMYGAINSmart-Swaps

$80,000 $80,000

10 BTCcurrent value

$70,000

BitcoinDepreciatesto $4,000

$40,000 $70,000 $30,000 $0Loss due to fall in

BTC/USD

Gain due to rise in BTC/USD

Gain due to rise inBTC/USD

NO LOSSdue to fall in BTC/USD

Less Risk Sharing Feecharged by BookMyGain*

NO Risk Sharing Fee

* Risk Sharing Fee Schedule described in Smart-Swaps Schedule

Figure 11

Summarized ResultsCASE STUDY 1

Page 28: PROSPECTUS - icorating.com fileAs in certain jurisdictions math-based currencies, crypto-currencies, ICOs, crypto equities or crypto assets are strictly regulated by law please have

50 51

STEP 1: INITIATE SMART-SWAP

Alex’s Assets Day 1

(10 BTC x $7,000) $70,000Current Market Value

Alex’s Smart-SwapAsset to be Smart-Swapped

10 x Bitcoins

Smart-Swap Tenure 1.5 Years

Smart-Swap Asset encashed in

US Dollar ($70,000)

Exchange Rate (BTC/USD) $7,000

Risk Sharing Fee* 3.00%

* Risk Sharing Fee only charged from net gain at tenure maturity. Refer to Smart-Swap Schedule for all rates.

Interest Bearing 7.50%

Nomination Facility Yes

Figure 12

SWAP

SMART

Swaps USD 70,000 for 10 Bitcoins @ BTC/USD 7,000 for 1.5 years

Swap Back Option for USD 70,000 @ BTC/USD 7,000 at tenure expiry of 1.5 years

BOOKMYGAIN Books10 Bitcoins @ BTC/USD 7,000

for Alex

EXCHANGE RATEDay 1

1

$7,000

Day

BTC/USD

FIAT CURRENCY-TO-CRYPTOCURRENCY SMART-SWAP

CASE STUDY 2

Alex is keen to invest a sum of USD 70,000 in the cryptocurrency market and wishes to protect his

investment by BOOKMYGAIN Smart - Swaps with the following Smart-Swap Contract (Figure 12):

Alex Smart - Swaps with BOOKMYGAIN his USD

70,000 for 10 Bitcoins for 1.5 Years, at the current

exchange rate of

BTC/USD = USD 7,000

Alex receives a Swap Back Option of

USD 70,000 or 10 Bitcoins actionable at tenure

expiry.

Figure 13

Page 29: PROSPECTUS - icorating.com fileAs in certain jurisdictions math-based currencies, crypto-currencies, ICOs, crypto equities or crypto assets are strictly regulated by law please have

52 53

After 1.5 Years, the markets have rallied to

BTC/USD = USD 15,000.

Alex decides to exercise his Swap Back Option to encash his gain, he can do so in either Bitcoins

or US Dollars.

Alex decides to choose Bitcoins as his preferred currency for encashment. After informing BOOKMYGAIN of his decision, BOOKMYGAIN deducts its 3.00% Risk Sharing Fee from the new gain and gives an interest of $5,250 for 1.5 years on

the capital of $70,000.

BOOKMYGAIN transfers 10.190 Bitcoins worth $152,850 ($70,000 original investment + $82,850)

to Alex making him a profit of USD 82,850 with No Risk to his investment.

After 1.5 Years, the markets have dipped to

BTC/USD = USD 4,000.

Alex decides to exercise his Swap Back Option in order to get his protected investment of USD

70,000.

After informing BOOKMYGAIN of his decision, Alex is credited with his original investment of

USD 70,000 + Interest of $5,250.

No Risk Sharing Fee was deducted by BOOKMYGAIN as Alex did not make any gain. This way, Alex was made immune to a loss of USD 30,000 from his investment and also gets interest.

ALEX’s Assets 1.5 Years

$150,000

$70,000

New Market Value

Original Value

$80,000New Gain

Less Risk Sharing Fee $2,4003.00% of New Gain

$152,850Total Assets

10 BTC x $15,000

Add Interest7.50% on Capital

$5,250

in US Dollar

10.190Total Assetsin Bitcoins

Scen

ar

io 2

ALEX’s Assets 1.5 Years

$40,000

$70,000

New Market Value

Original Value

$30,000Loss AvoidedBy BOOKMYGAIN

Less Risk Sharing Fee $0No Gain No Fee

$75,250Total Assets

10 BTC x $4,000

Add Interest7.50% on Capital

$5,250

in US Dollar

Non-Protected InvestorSuffers Loss of $30,000

Scen

ar

io 1

SCENARIO 1BITCOIN HAS APPRECIATED

SCENARIO 2BITCOIN HAS DEPRECIATED

STEP 2: AT TENURE EXPIRY

SWAP

SMART

Informs BOOKMYGAIN to encash new gain in Bitcoins

BOOKMYGAIN transfers 10 Bitcoins - Risk Sharing Fee + Interest to Alex

$15,000

1.5 Years

BTC/USD

Alex Receives BTC 10.190 valued @ USD 152,850

1.5 Years

Figure 14

Informs BOOKMYGAIN to not Swap Back his depreciated Bitcoinsand wishes to keep the encashed gain of $70,000

$4,000

1.5 Years

BTC/USD

1.5 Years

Figure 15

STEP 2: AT TENURE EXPIRY

Page 30: PROSPECTUS - icorating.com fileAs in certain jurisdictions math-based currencies, crypto-currencies, ICOs, crypto equities or crypto assets are strictly regulated by law please have

54 55

New Capitalwith

BOOKMYGAINSmart-Swaps

Scenario

New capitalWithout

BOOKMYGAIN Smart-Swaps

$150,000Bitcoin

Appreciatesto $15,000

$150,000

Capital

$70,000for

10 Bitcoins

Gain/LossWithout

BOOKMYGAINSmart-Swaps

Gain/losswith

BOOKMYGAINSmart-Swaps

$80,000 $82,850

BitcoinDepreciatesto $4,000

$40,000 $70,000 $30,000 $5,250Loss due to fall in

BTC/USD

Gain due to rise in BTC/USD

Gain due to rise inBTC/USD

NO LOSSdue to fall in BTC/USD

Less Risk Sharing Feecharged by BOOKMYGAIN*

NO Risk Sharing Fee

* Risk Sharing Fee Schedule described in Smart-Swaps Schedule

$70,000for

10 Bitcoins

& Earned Interest

Earned Interest

Summarized ResultsCASE STUDY 2

Figure 16

Page 31: PROSPECTUS - icorating.com fileAs in certain jurisdictions math-based currencies, crypto-currencies, ICOs, crypto equities or crypto assets are strictly regulated by law please have

56 57

Day 1Smart-Swap

Contract Begins

Day 120Kevin wishesto exit early

and encash gains

Day 180Kevin’s Contract

Completes

Contract left

SMART-SWAP NOMINATION

CASE STUDY 3

Kevin is an investor who holds 10 Bitcoins and wishes to protect his gain by doing a BOOKMYGAIN

Smart-Swap with the following Smart - Swap Contract (Figure 17):

Kevin, wishes to exit his contract before the tenure expiry. So for this example, lets assume Kevin

wishes to exit on Day 120 of his contract and also that on Day 120, BTC/USD is USD 10,000, hence Kevin

wishes to encash his gains and exit.

STEP 1: INITIATE SMART-SWAP

kevin’s Assets Day 1

$70,000

$70,000

Current Market Value

Encashed Gain(10 BTC x $7,000)

Kevin Smart - Swaps 10 Bitcoins with

BOOKMYGAIN for 180 Days, at the current

exchange rate of

BTC/USD = USD 7,000

Kevin receives USD 70,000 instantly in his BMG

Vault along with a Swap - Back Option of

10 Bitcoins at an exchange of

BTC/USD = USD 7,000.

Kevin’s Smart-SwapAsset to be Smart-Swapped 10 x Bitcoins

Smart-Swap Tenure 180 Days

Smart-Swap Asset encashed in US Dollar

Nomination Facility Yes

Risk Sharing Fee* 12.00%

* Risk Sharing Fee only charged from net gain at tenure maturity

Interest Bearing No

Exchange Rate (BTC/USD) $7,000

SWAP

SMART

Swaps 10 Bitcoins @ BTC/USD 7,000 for 180 days

Receives USD 70,000 instantly +

Swap Back Option for 10 BTC @ BTC/USD 7,000 at 180 days tenure expiry

EXCHANGE RATEDay 1

$7,000

Day 1

BTC/USD

Figure 18

Figure 17

Page 32: PROSPECTUS - icorating.com fileAs in certain jurisdictions math-based currencies, crypto-currencies, ICOs, crypto equities or crypto assets are strictly regulated by law please have

58 59

Day 1Smart-Swap

Contract Begins

Day 120Kevin Exits

Nominee’s Takesover the contract

Day 180Nominee’s Contract

Completes

Contract left

STEP 2: NOMINATION

EXCHANGE RATE* DAY 120

120

$10,000

Day

BTC/USD

Kevin’s Assets day 120

$100,000New Market Value10 BTC x $10,000

Kevin nominates hisSmart-Swap Contract onBOOKMYGAIN Exchange for Auction (option for FixedPrice also available)

BOOKMYGAIN Exchange

Registered Investors on BMG exchange

BOOKMYGAIN opens Bidding for Kevin’s Smart-Swap Contract to its investors

The winning bidderpays $98,000 to BOOKMYGAIN

1 2

3BOOKMYGAIN Facilitates the transfer between Kevin and the winner. BOOKMYGAIN Pays Kevin:Auction Price - Encashed Value - 2.00% BookMyGain Nomination Fee $98,000 - $70,000 - $560 = $27,440

4

AuctionWinner

$98,000!!

BOOKMYGAIN Exchange charges Nomination Fee(2% of New Gain) from Kevin

Figure 19

Page 33: PROSPECTUS - icorating.com fileAs in certain jurisdictions math-based currencies, crypto-currencies, ICOs, crypto equities or crypto assets are strictly regulated by law please have

60 61

SWAP

SMART

Swaps 10 Bitcoins @ BTC/USD 7,000 for 90 days

Receives USD 70,000 instantly +

Swap Back Option for 10 BTC @ BTC/USD 7,000 at 90 days tenure expiry

EXCHANGE RATEDay 1

$7,000

Day 1

BTC/USD

Figure 23

John’s Smart-SwapAsset to be Smart-Swapped 10 x Bitcoins

Smart-Swap Tenure 90 Days

Smart-Swap Asset encashed in US Dollar

Exchange Rate (BTC/USD) $7,000

Risk Sharing Fee* 15.00%

* Risk Sharing Fee only charged from net gain at tenure maturity. Refer to Smart-Swap Schedule for all rates (Page 24)

Interest Bearing NA

Nomination Facility YesRenewal Bonus 6.00%

Figure 22

SMART-SWAP RENEWAL

CASE STUDY 4

John is an investor who holds 10 Bitcoins and wishes to protect his gain by doing a BOOKMYGAIN

Smart-Swap with the following Smart - Swap Contract (Figure 22):

This case study explains the scenario when John’s bitcoins have appreciated in value and instead of

only encashing his gains and terminating his contract, John decides to renew the contract for another

term (of his choice), which allows him to protect and encash his latest gain and still have an option to

grow his gains in the future.

STEP 1: INITIATE SMART-SWAP

John’s Assets Day 1

(10 BTC x $7,000) $70,000

$70,000

Current Market Value

Encashed Gain

John Smart-Swaps with BOOKMYGAIN his 10

Bitcoins for 90 days, at the current exchange rate

of

BTC/USD = USD 7,000

John receives USD 70,000 instantly in his BMG

Vault along with a Swap - Back Option of

10 Bitcoins at an exchange of

BTC/USD = USD 7,000.

Page 34: PROSPECTUS - icorating.com fileAs in certain jurisdictions math-based currencies, crypto-currencies, ICOs, crypto equities or crypto assets are strictly regulated by law please have

62 63

john’s Assets 90 days

$150,000

$70,000

New Market Value

Original Value

$80,000Gain

Add Renewal Bonus $4,800(6% of Gain)

$143,600New ProtectedValue

10 BTC x $15,000

Less Risk Sharing Fee14.00% of Gain

$11,200

in US Dollar

Figure 24

Figure 25

SWAP

SMART

Informs BOOKMYGAIN to Renew his contract for 180 Days

BOOKMYGAIN Renews contract for 10 Bitcoins - Risk Sharing Fee (14%) + Renewal Bonus (6%)

90

$15,000

Day

BTC/USD

BOOKMYGAIN remits the new gain to John

At Day 90, John has made a profit and decides to Renew his smart-swap contract for

another 180 Days. This will give John protection against losses for the new gains which he

has made in the first 90 day Smart - Swap.

First Smart Swap Profit was $80,000

John’s New Asset Value is $150,000 (Investment + Gain)

Renewal Benefits:

New gain encashed

Protection for New Gain

Renewal Bonus

STEP 2: RENEWAL

Page 35: PROSPECTUS - icorating.com fileAs in certain jurisdictions math-based currencies, crypto-currencies, ICOs, crypto equities or crypto assets are strictly regulated by law please have

64 65

MARKET COMPARISON

Page 36: PROSPECTUS - icorating.com fileAs in certain jurisdictions math-based currencies, crypto-currencies, ICOs, crypto equities or crypto assets are strictly regulated by law please have

66 67

BOOKMYGAINSmart-Swaps

BOOKMYGAIN Smart-swapsVS

Alternatives

Liquidation Borrowing Holding(HODL)

ProtectionAgainst

Loss

Realization ofFuture Gain

On-going Commitment

EMI etc...

Cost to UseInterest etc...

YES

YES

NO

NO

NO Monthly Payments

Only Instrument inthe world to provide

protection against loss

Only Instrument inthe world to encash

current and future gains

NO Annual ChargesNO Maintainence Fee

NO Interest ChargedNO Gain NO Charge

YES

NO

No opportunity togain once asset

liquidated

NO

NO

NOCould end up paying

interest for depreciatedasset.

HINT: Sub-Prime Crisis

YESRealization only

possible if loan is repaid.Have to less interest

cost from Gain

YESMonthly Payments to

be paid from otherSavings

YES

Medium to HighInterest Costs

NONo immunity from

market volatility

YES

NO

NO

LTVLoan-To-Value 100% 100% Variable

Lenders controlhow much they

wish to lend

0%

IAPW: YES

IAPW: In A Perfect World

IAPW: YES

IAPW: NO

IAPW: NO

IAPW: 100%

Figure 26

PROTECTION AGAINST LOSS

Is there a risk control measure in place, which can protect the investor in-case the price goes against

him/her? Till now the only way to avoid any loss was to sell the asset (sell) at whatever value the

investor thinks was the highest price. With BOOKMYGAIN Smart - Swaps, the investor is guaranteed

protection against any loss.

REALIZATION OF FUTURE GAIN

Can the investor gain from future volatility in the market? Only by holding your asset or borrowing

against it allowed the investor to do that, but this doesn’t provide any protection against any loss.

With BOOKMYGAIN, the investor can realize any future gains and still be completely protected from

any loss. This has been made possible for the first-time in financial history with BOOKMYGAIN Smart-

Swaps.

ON-GOING COMMITEMENT

The only way to use the asset without selling it was to borrow against it. This is never cheap and more

than often the investor would need to use other savings/investments to furnish the interest and on-

going monthly payments for the loan. With BOOKMYGAIN, this stops as we don’t charge any monthly/

yearly payments, maintenance fee or have any hidden annual charges EVER!!!

COST TO USE

We charge NO INTEREST!!! it’s that simple.

LOAN-TO-VALUE RATIO

Apart from worrying about high interest rates and monthly installments, loan-to-value ratio is a very

important factor to be considered when borrowing against your asset. Loan-To-Value ratio decides

how much of loan can you get against your asset. More than often this is in the hands of the lender

and he/she may decide whatever number they feel comfortable with and the borrower has to accept

it. The only way to get the maximum value at a certain time for your asset has been to sell your asset,

but that devoids the investor of any future gain. BOOKMYGAIN has combined them both - get 100%

Loan-To-Value ratio (what you would get if you sold your asset) AND still get future gains along with

protection against any losses. Can you get a better deal than this? We doubt!!

Page 37: PROSPECTUS - icorating.com fileAs in certain jurisdictions math-based currencies, crypto-currencies, ICOs, crypto equities or crypto assets are strictly regulated by law please have

68 69

Page 38: PROSPECTUS - icorating.com fileAs in certain jurisdictions math-based currencies, crypto-currencies, ICOs, crypto equities or crypto assets are strictly regulated by law please have

70 71

BMG Vault is a cloud based Multi Platform & Multi Device Wallet. The BMG

Vault is designed to allow its users with ease of access to their Cryptocurrency

holdings & allow them to instantly initiate Smart-Swap Contracts. The BMG

Vault comes with high level of security, multi-pont access and BMG Debit Card.

No Transaction FeeOne transaction to third party wallets free per

month. Second transaction onwards market

competetive transaction fee. BOOKMYGAIN

exchange provides the best exchange rate to

pass all benefits to the user.

Multi Platform & Device AccessBMG Vault will be compatible

with multiple operating systems

such as Windows & Mac OS. Being

a cloud based wallet, it will be

accessible on multiple devices -

Desktop, Laptop, Tablet and Mobile

devices.

Free & Instant Vault-To-Vault

TransactionsBMG Wallet users will have FREE BMG Vault

to BMG Vault transactions. Our ecosystem is

designed to make this process free of mining

making this an instant process.

BMG Debit Card & NFC SupportBMG vault users will be optionally issued with Debit Cards, which will have global

acceptability. Transactions using BMG Debit Card will be instant and have no

chargebacks. (Check Roadmap Section for more details). For contactless payments

NFC support will also be provided.

Fiat Currency SupportBOOKMYGAIN will be applying for a Banking License post a successful ICO, which

will allow BOOKMYGAIN to support Fiat currency holdings in the Vault. This feature

will offer Vault users to instantly purchase new crypto assets or initiate Smart-Swaps

without having to use credit cards or bank transfers. Also, having a BMG Debit Card

linked to the Vault will provide users a pure banking experience while being in a crypto

environment.

Wide Variety Of Cryptocurrencies SupportBMG Vault will be updated frequently to support new coins , we aim to have the largest

support for coins in the industry.

Two-Factor AuthenticationBMG Vault will come with a 2-Factor Authentication access control. This will provide

users with peace of mind for storing their precious crypto assets.

Page 39: PROSPECTUS - icorating.com fileAs in certain jurisdictions math-based currencies, crypto-currencies, ICOs, crypto equities or crypto assets are strictly regulated by law please have

72 73

BOOKMYGAIN Crypterium TOKENCARDTENX

Debit Card Issue 1 Week

Feature

NFC Setup

Exchange

Free Transactions

Transaction Fee

Fiat Currency Holding

Security of Assets

External Payment Gateway Support

No Support 2 Weeks + 2 Weeks +

Instant Instant No Support No Support

In HouseNear zero spreads

External External External

1 per month NIL NIL NIL

Free* 0.5%For BMG Vault Users

0%Costly Spreads

1%Costly Spreads

AvailableUSD, GBP, EUR, AUDUpon Banking License Approval

No Support No Support No Support

Licensed bankHosted Exchange

Hosted WalletSmart Contract

Hosted WalletSmart Contract

Hosted WalletSmart Contract

Smart Contract

YES AmEx, Unionpay& JCB

NO NO

To Third Party Wallets Unlimited Free Transactions from BMG to BMG Vault

Exchange

BOOKMYGAIN WALLETVS

ALTERNATIVES

*This feature will be available once BMG Exchange is operational.

Please refer to Roadmap section for feauture availability schedules

Page 40: PROSPECTUS - icorating.com fileAs in certain jurisdictions math-based currencies, crypto-currencies, ICOs, crypto equities or crypto assets are strictly regulated by law please have

74 75

EXCHANGE

Page 41: PROSPECTUS - icorating.com fileAs in certain jurisdictions math-based currencies, crypto-currencies, ICOs, crypto equities or crypto assets are strictly regulated by law please have

76 77

Free Transaction Fee For Vault UsersBOOKMYGAIN’s business model is not dependent on revenue generated from exchange

transaction fees. We wish to pass on this benefit to our Vault users by making exchange

transactions free of charge and without any limits. BOOKMYGAIN also assures its users

of the most competetive market spreads.

High LiquiditySmart-Swaps will be a major source of holding vareity of cryptocurrencies for

BOOKMYGAIN. With such huge volumes of swapped cryptocurrencies bought and sold

frequently we will be able to provide high liquidity to our exchange pushing us towards

a coveted spot in the market making universe.

Wide Support of CurrenciesWe aspire to have the most diverse range of crypto and fiat currencies in

our exchange, as that would also add tremendous value to our Smart-Swap’s

business model. For this reason, we will be constantly and frequently expanding

our list of supported fiat and cryptocurrencies.

New ICO Token SupportWith around three to four new cryptocurrencies being launched every month,

it becomes important for us to stay tuned with the ever growing market. We will

be adding new ICO tokens to our exchange but only after a strict due diligence

process to assure high probability of success.

Low SpreadsWith ever increasing liquidity we aim to provide our users with the best and lowest

spreads available in the market. BOOKMYGAIN has the advantage of having multiple revenue

streams and hence does not have to rely on revenue from its exchange operations. Instead we aim

to provide a low and cost effective model which benefits our users.

Instant ConversionWith a self hosted wallet and exchange, we are able to cut down on approval times and

transaction delays. BOOKMYGAIN will offer its exchange users with instant and lag free execution

for their transactions.

Page 42: PROSPECTUS - icorating.com fileAs in certain jurisdictions math-based currencies, crypto-currencies, ICOs, crypto equities or crypto assets are strictly regulated by law please have

78 79

BUSINESS MODEL

Page 43: PROSPECTUS - icorating.com fileAs in certain jurisdictions math-based currencies, crypto-currencies, ICOs, crypto equities or crypto assets are strictly regulated by law please have

80 81

Overview

BOOKMYGAIN’s business model is designed to provide consistent and risk-controlled

growth based revenue streams by diversifying our fund pool in two separate funds

with defined objectives and using BOOKMYGAIN’s unique invention called The

BOOKMYGAIN Cypto Index.

Users swapped assets are held in the Smart-Swap Fund, where these assets would be

used to trade the most lucrative markets identified by the BOOKMYGAIN trading team.

Apart from generating revenue this provides a risk-control mechanism.

BOOKMYGAIN CRYPTO INDEX (BCI)

In today’s investment arena, a portfolio may consist of multiple cryptocurrencies,

it is imperative to have a benchmark which allows to understand the true growth

or decline of this dynamic market. To cover this, BOOKMYGAIN has uniquely

designed an Index which truly tracks a bag of top cryptocurrencies. BOOKMYGAIN

Crypto Index consists of the top performing cryptocurrencies and using proprietary

algorithms accurately tracks the true health of the cryptocurrency markets.

The BCI provides our team with a benchmark to beat the cryptocurrencies over both

short and long terms. This allows BOOKMYGAIN to dynamically manage risk and identify

opportunities to grow swapped assets in the most efficient and risk controlled manner.

Page 44: PROSPECTUS - icorating.com fileAs in certain jurisdictions math-based currencies, crypto-currencies, ICOs, crypto equities or crypto assets are strictly regulated by law please have

BOOKMYGAINSMART-SWAP

FUND

REVENUE REVENUE

REWARD

Primary Objective

Facilitate Smart-Swaps

Increase Smart-Swap Books by RiskSharing Fee (RSF)

Trade markets to match or surpassBOOKMYGAIN Crypto Index (BCI)

Risk Sharing Fee Trading Profits

2% of Trading Profits

exceeding BCI

RESERVESwap Reservesfor Contractsto Expire in

45 Days

REVENUEExchange Operations

& 3rd Party Wallet

Transactions

BOOKMYGAINCRYPTO INDEX

(BCI)

MARKETS

Foreign Exchange

Commodity

Cryptocurrency

82 83

BOOKMYGAIN SMART-SWAP FUND

One of the two funds of BOOKMYGAIN is the BOOKMYGAIN Smart - Swap fund. This

fund has been specially structured to

1. Provide liquidity for Smart - Swaps

2. Be self-sustained by charging Risk Sharing Fee, Trading profits, exchange operations

and wallet transactions.

3. Dynamically increase the Swap book size by countering increase/decrease in the

cryptocurrency assets as directed by the BMG analysts.

4. Remain competitive and match market volatility by BOOKMYGAIN’s uniquely

designed market indicator – BOOKMYGAIN Crypto Index (BCI). This is achieved by

a highly qualified trading team by trading the Foreign Exchange, Cryptocurrency and

Commodity markets.

5. To Maintain Crypto Liquidity Reserve for Smart Swaps due to expire

within 45 Days as directed by liquidity management team.

6. Use swapped assets in the most efficient way to provide a consistent

revenue stream, grow swap books and provide risk management to the

fund.

BOOKMYGAIN’s trading team is incentivised to outperform the

cryptocurrency market by rewarding them with a bonus of 2% of net trading

profits without any fixed Management Fees. This bonus is only applicable

if in any quarter the team has grown the fund more than the BCI growth.

Page 45: PROSPECTUS - icorating.com fileAs in certain jurisdictions math-based currencies, crypto-currencies, ICOs, crypto equities or crypto assets are strictly regulated by law please have

84 85

BOOKMYGAIN GROWTH FUND

The second fund is the BOOKMYGAIN Growth Fund. This fund has been specially

structured to

1. Not participate in Smart-Swaps in order to limit exposure

2. Achieve high and consistent growth to dynamically grow the

BOOKMYGAIN Smart-Swap fund

3. Cover all operating expenses to avoid straining the Smart-Swap Fund

4. Provide high paced business development cashflow

5. Pay dividends to token holders from time to time

6. Opportunistically invest in foreign exchange, cryptocurrency and

commodity markets for revenue generation

BOOKMYGAIN’s trading team is rewarded solely in case of profits and will be paid a

20% profit share fee quarterly.

BOOKMYGAINGROWTH

FUND

MARKETS

REVENUE

EXPENSE

REWARD

EXPENSE

Primary Objective

Have consistent Growth

Assist to increase Smart-Swap Booksby trading profits

Cover all operating expenses

Trading Profits

OperatingExpenses

BusinessDevelopment

Expenses

20% of Quaterly Profits

to Trading Team

Feeds ProfitFor Growing Swap

Books toSmart-Swap Fund

Foreign Exchange

Commodity

Cryptocurrency

REWARD

Dividendto

Token Holders

Dividend Distribution

Page 46: PROSPECTUS - icorating.com fileAs in certain jurisdictions math-based currencies, crypto-currencies, ICOs, crypto equities or crypto assets are strictly regulated by law please have

86 87

Page 47: PROSPECTUS - icorating.com fileAs in certain jurisdictions math-based currencies, crypto-currencies, ICOs, crypto equities or crypto assets are strictly regulated by law please have

88 89

SAFEGUARDS & BENEFITS

Page 48: PROSPECTUS - icorating.com fileAs in certain jurisdictions math-based currencies, crypto-currencies, ICOs, crypto equities or crypto assets are strictly regulated by law please have

90 91

Investor Benefits

ICO Token Holders Staking Incentive

• All ICO Token Holders will be offered 8% pa for holding their tokens to give an

incentive to our early believers. Interest will be credited on an annual basis to the

token holder’s BMG Vault.

Audited Earnings Disclosure

• Quarterly or Half-Yearly earnings to be disclosed to token holders to maintain

transparency and check health of the company.

Guarantee of Swapped Assets

• Unlike a P2P Lending platform where there is no guarantee on collateral, BOOKMYGAIN

Guarantees the Swapped Asset and prevents from any potential fraud.

Crypto Liquidity Reserve

• BOOKMYGAIN will maintain a Crypto Liquidity Reserve for all contracts due to expire

within 45 Days. This is done to honour all smart-swap maturity commitments.

Proven Business Model

• Non-research based product/service allowing investors to reap benefits quickly

without having to wait for a product to be developed and accepted by the market.

Backed by KAPP Capital Inc

• KAPP Capital Inc is a 20.0% stakeholder in BOOKMYGAIN. Founders are experienced

fund managers of a successful fund with deep understanding of the financial markets.

KAPP Capital Inc has over $200 million assets under management with an annual

trade volume of over $50 Billion. BOOKMYGAIN would be given access to the

same professional team allowing to benefit all of KAPP Capital Inc’s experience and

resources without having to struggle to start from ground zero.

KAPP Capital Inc token holdings to be Locked-Up

• To display commitment to the project, KAPP Capital Inc being the founding organisation

will have its token lock up set at 12 Months in an Escrow Account.

High Standard Of Professionalism

• Globally recognized banks and liquidity providers to be used by BOOKMYGAIN.

Dividends to Investors

• Dividends would be paid to token holders from time-to-time as per the discretion of

BookMyGain mangement team.

IPO

• Aim to be the first crypto token organization to hold an Initial Public Offering (IPO) to

be listed on major stock exchanges globally. This will add exponential value to token

holders and their portfolios.

Page 49: PROSPECTUS - icorating.com fileAs in certain jurisdictions math-based currencies, crypto-currencies, ICOs, crypto equities or crypto assets are strictly regulated by law please have

92 93

1

2

3

4

$

CryptocurrencyUsers

• Protection of Capital• Protection of Gain• Unblock Capital• No need to sell• No need to borrow• No monthly payments

Wallet Users

• No transaction fee within BMG network• No transaction fee when buying or selling with BMG exchange• Anytime Swap option• Debit Card & NFC Support• Instant Transactions• 2-Factor Authentication• Multi platform access

Fiat CurrencyUsers

• Protection of Capital• ZERO RISK entry in cryptocurrency markets• No storage hassle• Competitive Exchange Rate• Instant Buying/Selling

Exchange Users

• No transaction fee for BMG Vault users• Instant Execution within BMG network• Tight spreads• High Liquidity• High Security

USER

BENEFITS

Page 50: PROSPECTUS - icorating.com fileAs in certain jurisdictions math-based currencies, crypto-currencies, ICOs, crypto equities or crypto assets are strictly regulated by law please have

94 95

TOKEN SALE

Page 51: PROSPECTUS - icorating.com fileAs in certain jurisdictions math-based currencies, crypto-currencies, ICOs, crypto equities or crypto assets are strictly regulated by law please have

96 97

WHYICO?

Larger Investor BaseALarger Fund CapB

No Red TapeC (Fast Execution)

Low-to-No Deal TreesDSecondary LiquidityE (For Quick Expansion)

Higher & Direct Profits to Investors & Founders AlikeF

Work Directly With Investors G (No Corporate Bosses)

Flexibility in Operations PlanningH

Cryptocurrency crowdfunding or ICOs have changed the way entrepreneurs used to

function. Now, there is a fantastic alternative source to showcase and implement a

concept to the world. Previously, with angel and venture capital investing a private club

was created in the background, which prohibited entry to any retail investor allowing the

private club members to most benefit at the expense of the entrepreneur. ICOs have

provided a perfect method to bypass any such clubs and directly allow the entrepreneur

to connect to the mass retail investors. This has had huge implications for both the

entrepreneur and the grass root level investor.

Benefits of us having an ICO compared to traditional methods

Page 52: PROSPECTUS - icorating.com fileAs in certain jurisdictions math-based currencies, crypto-currencies, ICOs, crypto equities or crypto assets are strictly regulated by law please have

98 99

Premier Membership Opens

Public Voting Commences

6 Weeks

Premier Membership Ends

Public Voting EndsICO Rate Decision

ICO Date Announcement

2 Weeks

ICO Starts

4 Weeks

ICO Ends

Token Sale Process

Public VotingBOOKMYGAIN is the world’s first ICO which allows its investors to decide its ICO opening price. This would be a 6 week long process where the prospective investors and general public is requested to vote for a price above the reserve price. The most voted price will be the price at which BMG Tokens will be listed on the exchnage and sold to non-premier members in the ICO.

Premier Membership Premier membership allows the early investor to book tokens at the reserve price of USD 1 = 1 BMG. This allows them to benefit from an immediate appreciation if the public vote decides a higher ICO token value. All Premier Members would be requested to complete KYC and Token Booking information during this period.

ICO Rate DecisionAfter public voting ends the ICO opening rate is decided. Remaining unsold tokens will be sold at this new higher value in the ICO.

ICO StartsPremier Members are sold their booked tokens at the reserve price and unsold tokens are sold to new investors at the public decided rate.

Page 53: PROSPECTUS - icorating.com fileAs in certain jurisdictions math-based currencies, crypto-currencies, ICOs, crypto equities or crypto assets are strictly regulated by law please have

100 101

GENERAL INFORMATION

Premier Token Price

Token ICO Price

1 BMG = 1 USD

To Be Decided by Public Vote

Total Token Supply

Maximum Token Limit Per Investor

250,000,000

500,000 BMG

Minimum Token Limit Per Investor

Decimals

10 BMG

18

Token Regulation

Token Rights

No more tokens to be minted

Non-Voting

Soft Cap

Hard Cap

BMG 10,000,000

BMG 60,000,000

Accepted Cryptocurrencies

Staking Interest

BTC, ETH, BCH, LTC, XRP

8.00% P.A.

Premier Membership*

Investor Rewards

Yes

Yes

Volume Discounts

Contigency Token Reserve

No. As we value small investors equally

BMG 20,000,000

Balance Unsold Tokens

ICO Start Date

To be distributed to Premier members

TBA

ICO End Date

Eligibiliity

TBA

Anyone except permanent residents from USA

* Limited Number and subject to KYC

Token Name BMG

PreMIER INVESTOR Information

Open For

Token Supply

6 Weeks

BMG 60,000,000

Minimum Token Limit Per Investor

Maximum Token Limit Per Investor

BMG 100

BMG 1,000,000

Guaranteed Allotment Yes

Premier Rate 1 BMG = 1 USD

ICO INFORMATION

Start Date

End Date

TBA

TBA

Total Tokens For Sale

Maximum Token Limit Per Investor

60,000,000

BMG 500,000

Minimum Token Limit Per Investor

Discounts

BMG 10

TBA

Token Price To Be Decided by Public Vote

Page 54: PROSPECTUS - icorating.com fileAs in certain jurisdictions math-based currencies, crypto-currencies, ICOs, crypto equities or crypto assets are strictly regulated by law please have

102 103

PREMIER MEMBERSHIP

BOOKMYGAIN values early investors and hence wish to reward them back for their trust

by offering them unique benefits only available to them.

BENEFITS

Our Premier Members will be rewarded with the following benefits :

Book at Reserve PriceWith a subscription to our Premier Membership, members will be asked to provide the

number of tokens they intend to purchase during the ICO. This will allow our Premier

Members to book their desired number of BMG tokens at 1 BMG = 1 USD, making them

an immediate profit if the public voting decides a higher ICO Price. These tokens will

be alloted to the investor once the ICO starts and a successful transaction between

the investor and BOOKMYGAIN has taken place and conditional to approval of KYC. At

the time of purchase the investor may change the amount of tokens they have originally

booked, but this number can only be greater than the original number of booked tokens.

A request to purchase reserve price tokens below the booked number of tokens will not

be honoured and the transaction will be declined.

First Smart-Swap FreeAll Premier members who successfully invest with BOOKMYGAIN, will be rewarded

with a 0% Risk Sharing Fee for their first Smart-Swap for any amount and any of the

offered tenures in the schedule.

Guaranteed Allotment In the event of over-subscription of our Premier Membership, our premier members will

be given guaranteed allotment of BOOKMYGAIN Tokens during the first 7 Days of the

ICO.

Priority Support A priority Premier Members only support group and channel will be provided to our

approved premier members. Here we will aim to deliver instant and around the clock

support service on any query our premium members may have.

Please Note: Premium Membership benefits will only commence once

BOOKMYGAIN has received and approved all necessary KYC documents.

Page 55: PROSPECTUS - icorating.com fileAs in certain jurisdictions math-based currencies, crypto-currencies, ICOs, crypto equities or crypto assets are strictly regulated by law please have

104 105

employee benefits - 9.30%23,250,000

social responsibility - 0.94%2,350,000

kapp capital inc - 20.00%50,000,000

Expansion reserves - 45.76%114,400,000

ICO - 24.00%60,000,000

BOOKMYGAIN Smart-Swap Fund- 65%$ 39,000,000

BOOKMYGAIN Growth Fund - 30%$ 18,000,000

Setup & Development - 5%$ 3,000,000

TOTAL Funds - $60,000,000

ico - BMG 60,000,000

ICO (24.00%)Total tokens available for sale during the ICO period. To assist BOOKMYGAIN to

commence Smart-Swaps and wallet operations.

EXPANSION RESERVES (45.76%)To be systematically liquidated to provide funds for business expansion and Smart-Swap

books.

KAPP CAPITAL INC (20.00%)Founders ownership stake. To be locked in escrow for 12 months.

EMPLOYEE BENEFITS (9.30%)To be used for performance rewards.

SOCIAL RESPONSIBILITY (0.94%)To support a charity of choice.

ALLOCATIONSTOKEN ALLOCATION FUND ALLOCATION

SETUP & DEVELOPMENT (5.00%)Funds to be utilised to develop Smart-Swap contracts, wallet services, IT support

operations, platform design and development. Unlike other financial ICOs in the market,

our setup & development cost is the lowest of only 5%.

BOOKMYGAIN SMART-SWAP FUND (65.00%) Funds to be used to provide Smart-Swap services to users. Fund size to be maintained

at 65% of total fund pool at all stages of funding. This being the biggest portion of raised

funds, will be given back to the community in the form of smart-swaps.

BOOKMYGAIN GROWTH FUND (30.00%)Funds to be used for trading cryptocurrency, foreign exchange, commodity markets.

Revenue generated will be utilised for meeting operational & marketing expenses,

increase Smart-Swap Fund consistently. Fund size to be maintained at 30% of total fund

pool at all stages of funding. Hence, indirectly these raised funds from the ICO will be fed

to the users too.

Page 56: PROSPECTUS - icorating.com fileAs in certain jurisdictions math-based currencies, crypto-currencies, ICOs, crypto equities or crypto assets are strictly regulated by law please have

106 107

Token Distribution Processing Begins

ICO Ends

3 Weeks

Vault Creation

2 Weeks

Token Allocation to Vault

2 Weeks

Exchange Listing

Token DISTRIBUTION Process

Token Distribution ProcessingKYC due diligence of new investors and awaiting transaction approvals.

Vault CreationAll approved investors would be provided with a BOOKMYGAIN vault to store their BMG Tokens.

Token AllocationPurchased BMG Tokens to be credited to investor vaults.

5-7 Weeks

Exchange ListingBMG Token to be listed on top exchanges.

Token Transfer Ability

Token Transfer AbilityPost BMG Token successful listing on exchanges, investors will have the ability to transfer their tokens to any third party wallet if they wish.

Page 57: PROSPECTUS - icorating.com fileAs in certain jurisdictions math-based currencies, crypto-currencies, ICOs, crypto equities or crypto assets are strictly regulated by law please have

108 109

ROADMAP

Page 58: PROSPECTUS - icorating.com fileAs in certain jurisdictions math-based currencies, crypto-currencies, ICOs, crypto equities or crypto assets are strictly regulated by law please have

110 111

ICO Milestone 2 Milestone 3 Milestone 4

$39 MillionAUM

forSmart- Swaps

$1 BillionAUM

forSmart- Swaps

IPO(Initial Public Offering)

Smart-Swapsfor

Global Equities&

Precious Metals

Page 59: PROSPECTUS - icorating.com fileAs in certain jurisdictions math-based currencies, crypto-currencies, ICOs, crypto equities or crypto assets are strictly regulated by law please have

112 113

TEAM

Page 60: PROSPECTUS - icorating.com fileAs in certain jurisdictions math-based currencies, crypto-currencies, ICOs, crypto equities or crypto assets are strictly regulated by law please have

114 115

Management Design

DEV UDAY KAMBOJ

AKSHAY KAMBOJ

Co-Founder & Chief Investments Officer

Co-Founder & Chief Operations Officer

Dev has 15 years of market experience across forex, commodties, futures and

equities. He started from humble roots and grew to a successful multi-million dollar

fund manager. A co-founder of KAPP Capital Inc., he is actively involved in trading

the financial markets. As CIO at BookMyGain, he would be directly responsible for

managing and monitoring all investment activity. He is active in the trading community

as a mentor and guide to the aspiring. His hobbies include golf, architecture and zen

philosophy.

Akshay has been a keen investor and trader of financial instruments for over 12 Years. A

blockchain and cryptocurrency enthusiast, he adopted Cryptocurrency trading in the early years

of its introduction. Having actively managed multi million dollar funds, he has proven himself to

be an accomplished trader and risk manager over the years. One of the founders of KAPP Capital

Inc , he has always driven himself with visionary and entrepreneurial thinking, this attitude has led

him to achieve great heights in the financial sector. At BookMyGain he will be performing the role

of the Chief Operations Officer (COO) making him responsible for the entire operations of the

company alongwith his pivotal role in trading operations.

GAURAV VERMAChief Strategy Officer (CSO)Gaurav has been involved in financial markets from a very early point in his career.

Backed by a Finance & Commcerce background , he has successfuly designed multiple

risk-controlled investment strategies. With a specialization in the Foreign Exchange

and Cryptocurrency markets, he has delivered outstanding returns for investors

over the years. Being involved with KAPP Capital Inc for over 7 years , he has proven

himself to be an integral asset to the company. Being the Chief Strategy Officer(CSO),

He will be responsible for designing and implementing risk mangement strategies for

BookMyGain funds.

SAM THIELEChief DesignerSam is an experienced youth mentor and advisor, making him an excellent people

person and ambassador to our clients. There is in existence, photographic evidence

that suggests Sam was hipster before hipster was cool.

JOSHUA FREEMANCreative Director

Joshua has too many cats and not enough motorcycles. His dream is to either set a

land-speed record on a motorcycle of his design or to go to space. The space option is

looking more likely at present.

FRED RAINBIRDLead DeveloperAs both an open source software and music enthusiast, Fred enjoys creating and

developing music production tools. If maths was a superpower, Fred would be Superman.

Incorrectly sized images would be his Kryptonite. Fred likes VIM.

TOM HODGMANDigital Director

Tom is an experienced public speaker and youth mentor and successfully combines

those skills as an educator at a specialist design academy.

When Tom’s not locking his keys in his car, he enjoys travelling and design.

Page 61: PROSPECTUS - icorating.com fileAs in certain jurisdictions math-based currencies, crypto-currencies, ICOs, crypto equities or crypto assets are strictly regulated by law please have

116 117

Technology

People we work withDYLAN MURACHAnimatorGiven the chance, after initially making a few practical investments, Dylan would

spend his lottery winnings on a Lamborghini. For now, as a talented and experienced

animator and 3D artist, Dylan’s Subaru is getting the job done.

JOSHUA GEEContent Creator

As the other Josh in the think family, Josh Gee quickly differentiated himself from the

other Josh as a talented Black Metal vocalist. Josh can whistle at an extremely high

frequency and his voice carries exceptionally well. He also makes amazing music videos

and tells powerful and emotional stories with his editing skills.

Oodles Technologies is a leading Software Development Company based in India that offers end-to-end global Blockchain solutions

for varied business needs. With its inhouse team of Blockchain Developers, the company delivers cryptographic proof-of-work

systems for different types of companies and organizations worldwide. The company has a team of multi-disciplined domain experts

with an excellence in delivering positive and holistic customer experience throughout the product development lifecycle. Being

a technical subcontractor of BookMyGain, Oodles Technologies has rendered its Blockchain Solutions for the development of

BookMyGain blockchain ecosystem. The company also has its expertise in software product architecture, SaaS (Software as a Service)

Applications, Video Streaming Solutions, Artificial Intelligence & iOT, Mobile App Development and Big Data technologies

Page 62: PROSPECTUS - icorating.com fileAs in certain jurisdictions math-based currencies, crypto-currencies, ICOs, crypto equities or crypto assets are strictly regulated by law please have

118 119

Advisors

Backed By

www.kappcapital.com

Our investors and users. We do not believe in adding fancy names

to buy Fake goodwill. We listen to our users which is the core of

every successful business.

A global alternative asset management firm focused on understanding how the

world works. By having the deepest possible understanding of the global economy

and financial markets, and translating that understanding into great portfolios and

strategic partnerships with investors, KAPP Capital has built a distinct track record of

success.

Page 63: PROSPECTUS - icorating.com fileAs in certain jurisdictions math-based currencies, crypto-currencies, ICOs, crypto equities or crypto assets are strictly regulated by law please have

120 121

KARMA

Page 64: PROSPECTUS - icorating.com fileAs in certain jurisdictions math-based currencies, crypto-currencies, ICOs, crypto equities or crypto assets are strictly regulated by law please have

122 123

“You can’t connect the dots looking forward; you can only connect them looking

backwards. So you have to trust that the dots will somehow connect in your future. You

have to trust in something - your gut, destiny, life, karma, whatever. This approach has

never let me down, and it has made all the difference in my life.”

- Steve Jobs

We supportAn all volunteer charitable trust providing sponsorship to underpriveleged children and

free medical aid to them and their families.

www.aitys.in

Page 65: PROSPECTUS - icorating.com fileAs in certain jurisdictions math-based currencies, crypto-currencies, ICOs, crypto equities or crypto assets are strictly regulated by law please have

124

WWW.BOOKMYGAIN.COM

Making Your Investment ZERO-RISK