PLATFORM WHITEPAPER Version : 2.1

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1 The next generation banking platform for the next billion PLATFORM WHITEPAPER Version : 2.1 This whitepaper is a working document that is subject to review and change

2 Content Cashaa.com LegalDisclaimer 2.ExecutiveSummary 3.VisionandMission 4.Problem 4.1Banks&FinancialInstitutions 4.2BusinessesandIndividuals 5.Solution 5.Solution 6.Product(Individuals) 6.1InternationalBankAccount 6.2CMCWalet 6.3CashaaCards 6.4CAS-Invest 7.Product(Businesses) 7.1InternationalBankAccount 7.1.1CorporateAccount(Blue,Basic,SuperValue) 7.1.2MerchantAccount(Advance,Premier) 7.2CorporateCards 7.3CMCBiz-Walet 7.4CAS-CreditLine 7.5APIBanking 7.5.1AccountAPI 7.5.2CashaaKYCAPI 8.AboutCashaa 8.1Team 8.2Awards&Recognitions 8.3MediaAppreciations 9.Roadmap Token 10.1TokenSaleStatistics 10.2Exchanges 10.3CASTokenUtility 11.FurtherInformation Coming Soon Coming Soon Coming Soon Coming Soon Coming Soon Coming Soon

3 TheCASTokenSalewascompletedinJan2018.Thisupdatedwhitepaperisforinformational purposesonlyanddoesnotconstituteanylegalrelationsbetweenyouandcashaaholdingou anditsaffiliates(colectivelyreferedtoas Cashaa ).Thiswhitepaperisaworkingdocument thatissubjecttoreview andchanges. Translations ThiswhitepaperandrelatedmaterialsareissuedinEnglish.Anytranslationisforreference purposesonlyandisnotcertifiedbyanyperson.ifthereisanyinconsistencybetweena translationandtheenglishversionofthiswhitepaper,theenglishversionprevails. Eligibleparticipants Eligibilityforparticipationintheinitiativesdescribedinthiswhitepaper(ifandwhencompleted) isnotguaranteedandislikelytobesubjecttolegalandregulatoryrestrictions.citizensor residentsofcountrieswherecryptoisilegalorregulatedentitiesareineligibletoparticipatein Cashaa.com initiatives. Norepresentations Norepresentationsorwarantieshavebeenmadetotherecipientoritsadvisersastothe accuracyorcompletenessoftheinformation,statements,opinionsormaters(expressor implied)arisingoutof,containedinorderivedfrom thiswhitepaperoranyomissionfrom this documentorofanyotherwritenororalinformationoropinionsprovidednow orinthefutureto anyinterestedpartyortheiradvisers.norepresentationorwarantyisgivenastothe achievementorreasonablenessofanyplans,futureprojectionsorprospectsandnothinginthis documentisorshouldberelieduponasapromiseorrepresentationastothefuture.tothe fulestextentpossible,alliabilityforanylossordamageofwhatsoeverkind(whether foreseeableornot)whichmayarisefrom anypersonactingonanyinformationandopinions containedinthiswhitepaperoranyinformationwhichismadeavailableinconnectionwithany furtherenquiries,notwithstandinganynegligence,defaultorlackofcare,isdisclaimed. Restrictedtransmission Thiswhitepapermustnotbetakenortransmitedtoanyjurisdictionwheredistributionor disseminationofthiswhitepaperisprohibitedorrestricted.

4 Cashaa.com 4 Noreview byanyregulatoryauthority Thiswhitepaperhasnotbeenreviewedbyanyregulatoryauthority. Thirdpartyreferences Referencesinthiswhitepapertospecificcompanies,networksand/orpotentialusecasesare forilustrativepurposesonly.theuseofanycompanyand/orplatform namesandtrademarks doesnotimplyanyafiliationwith,orendorsementby,anyofthoseparties. Alreferencesto dolars,usdor $ arereferencestounitedstatesdolarsunlessotherwise stated. Graphics Algraphicsincludedinthiswhitepaperareforilustrativepurposeonly.Inparticular,graphics withpricereferencedonottranslateintoactualpricinginformation. Riskstatements Cryptographictokensmaybesubjecttoexpropriationand/ortheft;hackersorothermalicious groupsororganizationsmayatempttointerferewithoursystem/networkinvariousways, includingmalwareatacks,denialofserviceatacks,consensus-basedatacks,sybilatacks, smurfing,andspoofingwhichmayresultinthelossofyourcryptographictokens,thelossof yourabilitytoaccessorcontrolyourcryptographictokens.insuchevent,theremaybeno remedy,andholdersofcryptographictokensarenotguaranteedanyremedy,refund,or compensation. Theregulatorystatusofcryptographictokensanddigitalassetsiscurentlyunsetled,varies amongjurisdictionsandsubjecttosignificantuncertainty.itispossiblethatinthefuture, certainlaws,regulations,policiesorrulesrelatingtocryptographictokens,digitalassets, blockchaintechnology,orblockchainapplicationsmaybeimplementedwhichdirectlyor indirectlyafectorrestrictcryptographictokenholders righttoacquire,own,hold,sel,convert, trade,orusecryptographictokens. Theuncertaintyintaxlegislationrelatingtocryptographictokensanddigitalassetsmayexpose cryptographictokenholderstotaxconsequencesassociatedwiththeuseortradingof cryptographictoken.

5 Cashaa.com 5 Digitalassetsandfinancialproductsandservicescarysignificantrisks.Potentialpurchasers shouldassessthenatureof,andtheirownappetitefor,relevantrisksindependentlyandconsult theiradvisersbeforemakinganydecisions. CautionregardingForward-LookingStatements Thiswhitepapercontainscertainstatementsthatareforward-looking,bytheirnature,subjectto significantrisksanduncertainties.ourforward-lookingstatementsarebasedoninformation curentlyavailabletousaboutthebusinessthatweoperate.forward-lookingstatementsmay involveestimatesand assumptionsand aresubjectto risks,uncertaintiesand otherfactors beyond ourcontroland prediction.accordingly,thesefactorscould causeactualresultsor outcomesthatdifermaterialyfrom thoseexpressedintheforward-lookingstatements. Anyforward-lookingstatementspeaksonlyasofthedateofwhichsuchstatementismade,we undertake no obligation to update any forward-looking statements to reflect events or circumstancesafterthedateonwhichsuchstatementismadeortoreflecttheoccurenceof unanticipatedevents. Licensesandapprovalsarenotassuredinaljurisdictions TheCompanyanditssubsidiariesintendtooperateinfulcompliancewithapplicablelawsand regulationsandobtainthenecessarylicensesandapprovals.thismeansthatthedevelopment androl-outofaltheinitiativesdescribedinthiswhitepaperarenotguaranteed.regulatory licensesand/orapprovalsarelikelytoberequiredinanumberofrelevantjurisdictionsinwhich relevantactivitiesmaytakeplace. ItItisnotpossibletoguarantee,andnopersonmakesanyassurances,thatanysuchlicensesor approvalswilbeobtainedwithinaparticulartimeframeoratal.thismeansthattheinitiatives describedinthiswhitepapermaynotbeavailableincertainmarkets,oratal.thiscouldrequire restructuringoftheseinitiativesand/oritsunavailabilityinalorcertainrespects.inaddition,the developmentofanyinitiativesisintendedtobeimplementedinstages.duringcertainstagesof development,theprojectmayrelyonrelationshipswithcertainlicensedthirdpartyentities.if theseentitiesarenolongerproperlylicensedintherelevantjurisdiction,thiswilimpacttheability ofthecompanytorelyontheservicesofthatparty. Noadvice ThiswhitepaperdoesnotconstituteadvicetopurchaseCASTokensnorshoulditbereliedupon inconnectionwithanyothercontractorpurchasingdecision.

6 Theglobalfinancialcrisisrevealedsignificantweaknessesintheexistingfinancialsystem and someofthevulnerabilitiesalreadyhaveshowntheirimpactontheinterconnectedglobalmarket. Theworldeconomyisstilstrugglingwithabsoluteslow growthratestoday.transferingmoney forremitance,money lending across internationalborders is stilvery complicated,time consumingandexpensive.existingsystemsrunningontraditionalbankingchannelsareslow and complexwithfulofintermediaries,higherexchangerates,counterpartyrisks,bureaucracyand extensivepaperwork.morethan3.5bilionpeoplearestilunbankedorunderbankedandhavefew opportunitiestohaveasafeandsecurewaytoparticipateintheglobaleconomy.on-boardingthis missingpopulationtothebenefitsoftheglobalfinancialsystem iskeyinordertoprovidea sustainablesolutionfortheirfutureeconomicoutlook. Therecentemergenceofcryptocurencytokenshasshownasilverliningtoevolvethelegacy systems.however,itturnsoutthatconsumersandbusinessesarestrugglingtoleveragethe benefitsoftheblockchaininfrastructureduetopoorusability,noncustomercentricapproach andimproperlegalimplementation.

7 Cashaa.com 7 3.VisionandMission FortheNextBilionusers Cashaaisaboutempoweringthebankedandunbankedbusinessandindividualstoenablethem toparticipateintheglobaleconomyanddevelopthenew outlookforthiscommunitybyusing openarchitecture.itisagreatironythattheblockchainorcryptocommunityhascontinuously been denied help from existing financialinstitutions who like to participate and sponsor blockchaineventsbutinrealitycannotsupporttherevolutionduetosomeinherentproblems. Wefirmlybelievethatthereshouldbeanefficientalternativetotheexistingpaymentsandbanking system and are thereby working oversome fundamentalprinciples dedicated to bank the unbankedbyprovidingbetersupportforeasyadoptionoffuturemoney.furthermore,weare commitedtoacceleratethegrowthofdigitalinnovationbybringingcashaasdkandopenapi intotheecosystem.thus,embracingthedecentralisation. Inthenext1year Empower250businesses andtheircommunity members including exchanges,tokensales,ico, STOandcryptocurency businesses Inthenext3-5years Tobecometheworld s predominantandfirstchoice bankingplatform for businessesandindividuals involvedinemerging technologies

8 Cashaa.com 8 4.Problem The primary role ofblockchain technology was to solve coordination and synchronization problemsamongstmultilateralagreementsbetweenanetworkofparticipants,butitseemsthat thesemultipleblockchainsarenow givingahardtimeto realusers andhavebecomeabotleneckformainstream adoption.thecurentatemptstoprovideblockchain-basedsolutionslack theworkflow needsofsmalandmedium sizedenterprises. 4.1ForBanks&FinancialInstitutions Operating on a traditionalrailinfrastructure,where moving moneyrequires huge processingeforts.oneofthemainreasonsforfrictionisthatinformationissiloed betweentheplayersintheindustry. Lackofknowledgeandfunctionalunderstandingofdigitalassets;theexistingbanking industrystayedindenialmodeforalongtimetoaccepttherevolutioncomingdueto technologieslikebitcoinetc. Lackofinfrastructuretosupportcryptotransactions:Theexistingcentralizedbanking system runningonmainframeisnow facingthechalengetoadopttothesudden growthofdecentralisedassets. LackofAMLandComplianceAPIforcryptotransactions;theexistingbankingsystem wasmadeformonitoringonlynationalcurencytransactionswhicharenotenoughto ensurecryptotransactionsarecompliant.

9 Accountingandauditing issues:useofmultiple unidentifiedaddresses andaccountsare becominganightmarefor legitbusinessesand individuals. Convertibilityofdigital assets:wecannotignore thefactthatwestilneed abridgetomovebackand forthuntilwefulyadopt thecryptographicmoney system.

10 Cashaa.com 10 5.Solution Theworldneedsoneaccountfortheoldandnew emergingmoneysystem.asystem whichaddressesthecomplexityandchalengesofregulators,banks,centralbanks,individualsandbusinesses(bankedorunbanked)tosuccessfulyhelpmankindtojumpinto anew eraoftrust. Entrepreneurs Individualsindulgedin cryptotransactions Startups Pre&posttoken salestartup Enterprises Establishedcompanies readyforcrypto TheWorldneedsCashaa ssolution! Aglobalmulticurencycrypto-friendlybankingplatform

11 Cashaa.com 11 6.Products-Individuals Asaproduct-drivencompany,ourfocusistosolvethe problems using disruptive technologies to create products and services for simple and easy use. Cashaa ssinglesign-onwebsite& mobileapplication wilalow userstoaccessaltheproductssuchasiban, CMCwalet,cards,andCAS-Invest.Inthefirstversion,a hostedwebservicewilbereleased,folowedbyandroid andiosapplications.

12 InternationalBankAccountNumber(IBAN)isaninternationalyagreedsystem ofidentifyingbank accountsacrossinternationalborderstofacilitatethecommunicationandprocessingofcrossbordertransactionswithareducedriskoftranscriptionerors. Cashaa wilprovide each individuala dedicated IBAN which can be accessed through their Cashaaaccount.YourInternationalBankAccountNumber(IBAN)isyouraccountnumberwriten in a standard,internationaly recognised format.ithelps us to process yourinternational paymentsautomaticaly,makingthem faster,saferandcheaper.wewilissueiban startingwith GBissuedforUKaccounts. 1. Multi-curencyIBAN alowsyouraccounttohandlemultiplenationalcurencies 2. UseyourIBAN andbictomakeiteasiertoreceivepaymentsfrom abroad 3. AvoidextrachargeswhenreceivingorsendingmostEUpayments 4. Makelocalandinternationalpaymentsdirectlyfrom youraccount 5. Benefitfrom anautomatedsystem withnodelaysorqueries

13 Cashaa.com 13 CASTokenUtility CAStokenscanbeusedand/orearnedinconnectionwiththisproductbyeligible individualsinthefolowingkeyways: 1. EnablescustomerstoopenanIBAN account(forfree)bystakingcastokens 2. Increaseyourmonthlyaccountlimit 3. Enablecustomerstomakefreelocalandinternationaltransfers 4. Freeforeignexchange(Forex) Pricing&Limits WorldTraveler Premier SmartValue Basic Blue 1,000,000 CASStake 500,000 CASStake 50,000 CASStake 25,000 CASStake 0 CASStake Onboarding Fee Free Free Free Free 25 Monthly Fee Free Free Fee Free Free Cashaato CashaaTransfer Free Free Free Free Free Curency Multi-curency Multi-curency GBP GBP GBP LocalTransfer Enabled Enabled Enabled Enabled Enabled International Transfer Enabled Enabled Enabled Enabled Enabled

14 Cashaa.com CashaaMulti-sigComplianceWalet(CMC-Walet) Safeandsecurestoragewithtransactionflexibility Security,complianceanddecentralisationarefundamentalprinciplesofourdesignarchitecture. Cashaa svisionistoremoveanysinglepointoffailure.ourmultisigwaletfordigitalassetswil giveouruserssecurityandtrustwhichisfundamentaltotheblockchainrevolution.ourmuti-sig- naturekeymanagementremovesanysinglepointoffailureandadvancedsecurityconfigura- tionsensurethatassetsaresecureastheymoveinandoutofthewalet. Wehavebuiltasecure,3keyarchitecturewhichalowseaseofusewithfulsecurity,alkeysare storedonadedicatedcryptographicservers(dcs)specificalydesignedforprotectionofthe lifecycleofcryptographickeysthatsecuretransactions. Usetorecover ifyourpassword islost Signtransactions 2/3 Signtransactions 2/3 CASHAAKEY Enablesyoutosigntransactions from yourcashaaaccount. SHAREDKEY Encryptedwith yourpassword USERKEY Storedbyyouand canbeusedtosign transactions

15 Cashaa.com 15 AMLandfrauddetectionsonaddress:CashaamultisigwaletscomewithaninbuiltAML andcompliancesystem,whichanalyzetransactionpaternsontheblockchainaddress.it uses multipleriskindicators,behavioralanalysisanddatasciencetechniques,topreparea reportwhichwarnsyoubeforeyoustartcommunicatingwithanyaddressinvolvedinany crimeorsuspiciousactivity. Grade (CScore) Reason Action A+ A+ Notrelatedinanysuspiciousactivity Alowed A Notdirectlyrelatedinanysuspiciousactivity Alowedbutflagged A+ F Involvedinsuspiciousactivity Notalowed *WerecommendouruserstouseourSendtooltogeneratethegradeoftheaddressbefore receivinganypaymentfrom it. BuyandSelCryptocurrencies Digitalexchangesrequirealotofintermediariesandtherebyincludeaverycumbersome process.cashaa scmcwaletintegratedwithworldhighestliquiditypoolswilalow our usertoconvertdigitalassetsdirectlyfrom theiraccounts. CompetitiveAdvantage 1.Oneaccounttostoreandconvertdigitalassetsandtransferacrosstheglobe 2.Ourtechnologywilmakealcryptocurenciesultra-safeandsecure 3.Easytousewithoutworyingoflosingkeyswithfulcontrolofcrypto 4.OneaccounttoaccessyourcryptocurenciesandIBAN funds 5.Checksoneachtransactiontoprotectyoufrom transactingwithanyriskyaddress 6.Cryptowaletintegrationwithbankingremovesaccounting&auditingissues 7.NofeeforCashaacommunitymembersonbuyingorselingdigitalassets 8.Highliquidityduetointegrationwithmultipleexchanges 9.MultiplepaymentoptionsincludingCashaaIBAN accounts 10.Banktransferorcredit/debitcards

16 Cashaa.com 16 CASTokenUtility CASTokensareabletobeusedinconnectionwiththisproductbyeligibleindividualsinthe folowingways: 1.EnableCustomertoupgradetheirmembershipbyincreasingthestakeofCAStokens. 2.ReducethefeefortheMultisigSendtransactions. 3.Feefreereversalofthetransactionsreceivedfrom theaddressinvolvedincriminalactivity. 4.OngoingCASStakeisrequiredtogetthereducedExchangefee. 5.OngoingCASStakeisrequiredtogetreducedfeesforcreditanddebitcardpurchase 6.VoteforyourfavoritetokenstobeaddedintheCMCwalet. Coming Soon Pricing&Limits WorldTraveler Premier SmartValue Basic Blue Monthly Fee Free Free Free Free Free Send (Cashaaaddress) NoFee NoFee NoFee NoFee NoFee Send* (Externaladdress) Free Free Free 0.1% 0.2% Receive NoFee NoFee NoFee NoFee NoFee Fraud Protection Enabled Enabled Enabled Enabled Enabled FeeReversal Free Free Freeupto Freeupto Freeupto (Monthly) (unlimited) (unlimited) 20Transactions 10Transactions 5Transactions Exchange Fee* NoFee NoFee 1% 1.25% 1.49% Purchase throughbank NoFee NoFee Purchase throughcard* 3.50% 3.50% 3.75% 3.75% 3.99%

17 Cashaa.com Cashaacards ComingSoon JaninaLowisz 01/23 CashaaDebitcardwilcomplementtheIBAN andwaletwhichwilalow toconnectvirtual assetswithglobalpaymentnetworks.ourcardswilbeacceptedbymorethan39milion merchantsaswelasposterminals,theadoptionofwhichisgrowing exponentialywith3milionexistingatmswhichenabletowithdraw cashworldwide. Competitiveadvantage 1.Noannualfee. 2.Alow youtoaccessyourfundsiniban andcmcwalet 3.Spendyourcryptocurencieswhenyouneed 4.Worldwideaccesswithhigherwithdrawallimits 5.Atractivecashbackandrewardprograms 6.Spendoverseasatperfectinterbankexchangerates

18 Cashaa.com 18 CASTokenUtility CASTokensareabletobeusedinconnectionwiththisproductbyeligibleindividualsinthe folowingways: 1.EnablescustomerstoupgrademembershipplantohighertierbystakingmoreCAStoken 2.EnablescustomerstoorderCashaacards(forfree)bystakingCASTokens. 3.CustomerreceivescardcashbackinCAStokeneachtimetheytransactwiththeircard Pricing&Limits WorldTraveler Premier SmartValue Basic Blue Monthly Fee Free Free Free Free Free Cashback* 1% 0.50% 0.25% 0.10% 0 ATM Withdrawal (2% onwards) Foreign Exchangefee* (0.5% above) Free (unlimited) 10,000 6,000 4,000 2,000 *Dependingonthecountry,productmanualswilbeissuedincludingdetailssuchastheexactfee ofeachservice.

19 Cashaa.com CAS-Invest ComingSoon Cashaawilprovidesasimplewaytoinvestincryptocurencieswithafew clicks inabundleof 5cryptocurencieswhichincludeBTC,ETH,XRP,LTCandCAS. Thealocationwilbedoneonthepercentageofmarketcapoftheabove5curencies.Users candecidetoadjusttheratioandareabletosetmonthlygoals. CASTokenUtility CASTokensareabletobeusedinconnectionwiththisproductbyeligibleindividualsinthe folowingways: 1.ReceiveadiscountonalfeesifyoustakeCASTokens 2.CAS-InvestincludesanalocationofCASTokenstoyourportfolio Pricing&Limits WorldTraveler Premier SmartValue Basic Blue Fees 100% Discount 50% Discount 33% Discount 25% Discount 0% Discount *Detailsregardingfeewilbereleasedoncetheproductislaunched.

20 7.Products(Business) Cashaa.com 20 Empoweringbusinessesisveryessentialforthedevelopmentofanecosystem andoveral growthoftheblockchaincommunity.cashaa ssinglesign-onweb&mobileappwilalow businessestoaccessaltheproductssuchasiban,multisigbusinesswalet,corporatecards, CAS-Exchange,CAS-InvestandOpenBankingAPI.Businessaccountswilbeonlydeliveredand accessedthroughthewebbasedportalsandthroughapis. 7.1InternationalBankAccount(IBAN) CashaawilprovideeachbusinessadedicatedIBAN orukcurentaccountwithasortcode whichcanbeaccessedthroughtheircashaaaccount.aninternationalbankaccountnumber (IBAN)isanaccountnumberwriteninastandard,internationalyrecognisedformat.Ithelpsus toprocessyourinternationalpaymentsautomaticaly,makingthem faster,saferandcheaper.we wilissueibansstartingwithgbissuedthroughtheukbankingsystem. CountryCode BankIdentifier GB CheckNumber AccountNumber Forbusinessesdealingincryptocurencies,weofertwotypesofaccounts How Cashaadefinescryptocurencies: Therecognitionofacryptocurencyasamedium ofexchange,unitofaccount,andstore ofvalueoccursonlybyagreementwithinthecommunityofusersofsuchcryptocurency. Fortheavoidanceofdoubt,legaltenderorvirtualcurencyissuedbyagovernmentor centralizedbankingsystem isnotconsideredascryptocurency.

21 7.1.1Corporateaccount(Blue,Basic,SuperSaver) Corporateaccountsareissuedtothebusinesseswhowanttogetanaccountfortheirdaytoday businessoperations,likevendorpayments,colectingpaymentsfrom merchantsfornonregulatedservices,employeessalaryprocessing,colectingpaymentfrom customers. Thisbusinessmustnotbeabouttradingcryptocurencyordoinganybusinessinvolvingbuying orselingofcryptocurenciesthroughthisaccount. Ex:Acryptoexchangethatcanusethisaccountforitsoperationalneeds;ashopore-commerce storethatwantstoacceptcryptocurencies Note BusinessesarenotpermitedtoprocessanactiveICO,eithertheirownorforanother partyinthecorporateaccount. ThisaccountisespecialydesignedforCryptocurencymerchants,exchange,Moneyservice Business,ForexBusiness.Merchantswhoareselingortradingwithdiferentcryptocurencies, e.g.bitcoin,ethereum,litecoin,etcorforcompaniesconductingtokensale,ico,stofortheir ownorinbehalfoftheircustomersorinvolveinmoneytransferbusiness.thiswilalow althe businessactivitiesincludingcolectingpaymentsfrom Tokensaleparticipants,traders funds, receivingandpayingmoneytoconductmoneytransferoperation. BusinesswithMerchantaccountwilgetanintegrated Corporateaccount basedontheir requirement.

22 Businesseslookingforthisaccountmustbelegalbothinthecountryofthemerchantaswel asinthecountryofthebuyer. Cashaa.com 22 Merchantsthatdoeitherofthefolowing: O fercfds(contractfordiference)orotherfinancialderivatives Financialspreadbeting O ferexchange-tradedfunds(etf) Donotalow clientwithdrawalofpurchasedcryptocurencies Show othersignsofhighlyspeculativetradingsuchassign-upbonuses,guaranteedprofits, managedaccountsetc. wilbeconsideredtobeoperatingforex/cfdbusiness,andthereforewilberequiredto submitanapplicableeu-issuedforexlicensetogetherwiththeapplicationform FundsSecurity:AsatransparentFintechcompanyandclearinourvisionwedecidedtogowith a100% fundprotectionschemewitheuropeancentralinstitutions. CompetitiveAdvantage 1. Getthebenefitsofinternationalbankingsystem withcomplianceandsecurity 2. MulticurencyIBAN alowsyouraccounttohandlemultiplenationalcurencies 3. UseyourIBAN andbictomakeiteasiertoreceivepaymentsfrom abroad 4. AvoidextrachargeswhenreceivingorsendingmostEUpayments 5. Makelocaland internationalpaymentsdirectlyfrom youraccount 6. Benefitfrom anautomatedsystem withnodelaysorqueries

23 Cashaa.com 23 CASTokenUtility CASTokensareabletobeusedand/orearnedinconnectionwiththisproductbyeligible individualsinthefolowingkeyways: 1. EnablescustomerstoopenanIBAN account(forfree)bystakingcastokens 2. Increaseyourmonthlyaccountlimit 3. EnablecustomerstomakefreelocalandInternationaltransfers 4. FreeForeignExchange(Forex) Pricing&Limits Advance Premier SmartValue Basic Blue 1,000,000 CASStake 1,000,000 CASStake 100,000 CASStake 50,000 CASStake 0 CASStake CryptoAccount CorporateAccount Onboarding Fee Free Free Free Free 500 Maintenance Fee(Monthly) Account Upto Upto Upto Upto Upto Limit 1,000,000,000 10,000,000 1,000, , ,000 Curency Multi-curency Multi-curency GBP GBP GBP Cashaato CashaaTransfer Free Free Free Free Free LocalPayment International Transfer(SWIFT)

24 Cashaa.com Corporatecards ComingSoon Corporatecardsaregreatwaytoorganiseyourteamsandtheirspending.Cardswilbelinkedto theiban andwaletwhichwilalow youremployeestoaccessthefundsatmorethan39milion merchantsaswelasposterminals,withcashwithdrawalthroughmorethan3milionatms worldwide. CompetitiveAdvantage 1. Noannualfee 2. Managecardsfrom onebusinessoperatingaccount 3.Alow youtoaccessyourfundsininternationalbankaccount(iban)andmultisigwalet 4. Worldwideaccesswithhigherwithdrawallimits 5. Spendmoneyoverseasatperfectinterbankexchangerates CASTokenUtility CASTokensareabletobeusedinconnectionwiththisproductbyeligibleindividualsinthe folowingways: 1.EnablescustomerstoupgrademembershipplantohighertierbystakingmoreCAStoken. 2.EnablescustomerstoorderCashaacards(forfree)bystakingCASTokens. Advance Premier SmartValue Basic Blue MonthlyFee Free Free Free Free Free No.ofcards MultipleCards MultipleCards MultipleCards 2 1 *Dependingonthecountry,productmanualswilbeissuedincludingdetailssuchasthe exactfeeofeachservice.

25 Cashaa.com CashaaMulti-sigComplianceWalet(CMC-Walet) CMCwaletforbusinessesholdsalthesecurityandcompliancefeaturestogetherwithAPI accesstointegratethefeaturestobusinesscrm andpaymentsystemswithadvancedutilityto createmultipleadmins,makerandcheckeroptionforadaytodaybusinessoperation. SafeandSecurestoragewithtransactionflexibility Security,complianceanddecentralisationarefundamentalprinciplesofourdesignarchitecture. Cashaa svisionistoremoveanysinglepointoffailure.ourmultisigwaletfordigitalassetswil giveouruserssecurityandtrustwhichisfundamentaltotheblockchainrevolution.our multi-signaturekeymanagementremovesanysinglepointoffailureandadvancedsecurity configurationsensurethatassetsaresecureastheymoveinandoutofthewalet. Wehavebuiltasecure,3keyarchitecturewhichalowseaseofusewithfulsecurity,alkeysare storedonadedicatedcryptographicservers(dcs)specificalydesignedforprotectionofthe lifecycleofcryptographickeysthatsecuretransactions. Usetorecover ifyourpassword islost Signtransactions 2/3 Signtransactions 2/3 CASHAAKEY Enablesyoutosigntransactions from yourcashaaaccount. SHAREDKEY Encryptedwith yourpassword USERKEY Storedbyyouand canbeusedtosign transactions

26 AMLandFrauddetectionsonaddress CashaaMultisigwaletscomeswithinbuiltAMLandCompliancesystem,whichanalyze transactionpaternsontheblockchainaddress.itusesmultipleriskindicators,behavioral analysisanddatasciencetechniques,toprepareareportwhichwarnsyoubeforeyoustart transactingwithanyaddressinvolveinanycrime,orsuspiciousactivity.forbusinessusers thisfeaturewilhelpthem tosavefrom suferingfrom businessdiscontinuityloss,lawsuitsetc. duetoinvolvementwithacriminalorsuspectedaddress. F Involvedinsuspiciousactivity Notalowed BuyandSelCryptocurrencies Digitalconvertibilityisoneofthemajorchalengeswhichthecryptoindustryisfacing.Digital exchangesrequirealotofintermediariesandtherebyaverycumbersomeprocess.cashaacmc Waletintegratedwithworldmosthighvolumeexchanges togetthebestpriceandavailability. CompetitiveAdvantage 1. Oneaccountforstore,convertdigitalassetsandtransferacrosstheglobe 2. Ourtechnologywilmakealcryptocurenciesultra-safeandsecure 3. Easytousewithoutworyingoflosingkeyswithfulcontrolofcrypto 4. OneaccounttoaccessyourcryptocurenciesandIBAN funds 5. Checkoneachtransactiontoprotectyoutotransactwithriskyaddress

27 6. CryptowaletintegrationwithbankingRemovesaccounting&auditingissues 7. NoFeeforCashaacommunitymembersonbuyingorselingdigitalassets 8. Highliquidityduetointegrationwithmultipleexchanges 9. MultiplepaymentoptionsincludingCashaaIBAN accounts,banktransferor Credit/debitcards. CASTokenUtility CASTokensareabletobeusedinconnectionwiththisproductbyeligibleindividuals inthefolowingways: 1. EnableCustomertoupgradetheirmembershipbyincreasingthestakeof CAStokens. 2. ReducethefeefortheMultisigSendtransactions 3. Feefreereversalofthetransactionsreceivedfrom theaddressinvolvedincriminalactivity. 4. OngoingCASStakeisrequiredtogetthereducedExchangefee. 5. OngoingCASStakeisrequiredtogetthereducedthefeesforcreditanddebitcardpurchase 6. VoteforyourfavoritetokenstobeaddedintheCMCwalet.

28 Cashaa.com 28 Pricing&Limits Advance Premier SmartValue Basic Blue MonthlyFee Free Free Free Free Free Send(Cashaa Address) Free Free Free Free Free Send* (Externaladdress) Free Free Free 0.1% 0.2% Receive Free Free Free Free Free FraudProtection Enable Enable Enable Enable Enable Reversalfee (FGrade Address) Free (unlimited) Free (unlimited) Freeupto20 Transactions Freeupto10 Transactions Freeupto5 Transactions ExchangeFee* NoFee NoFee 1% 1.25% 1.49% Purchase throughbank transfer NoFee NoFee NoFee NoFee 1.5 Purchase throughcard N/A N/A N/A N/A N/A

29 CreditLinewilbegivenforthefolowingreasons 1. PaytheEmployeesalaries 2. Vendorpayment 3. Startinganew businessideaorproject

30 Premier SmartValue 50% Discount 24-48hours 24-48hours

31 Cashaa.com APIBanking AtCashaa,oneofthefoundationalprinciplesistobeopenandbuildanecosystem,andthatis onlypossiblewhenweareabletoprovideourservicefrom ourcustomersenvironment,tohelp businessesautomatetheirprocessesandreducerisks.anapi,orapplicationprogramming interface,isatechnologyprotocolthatalowsdiversesoftwarecomponentstocommunicate. Moretothepoint,italowsevennon-geekstodevelopapplicationsthatmakeuseofwhatever softwarecomponentsagivenapitapsinto AccountAPI ComingSoon ThiswilhelpuserstointegrateCashaaaccountsdirectlyintheirERPsystemsorcustomise applicationsaccordingtotheirownneeds KYCAPI CashaawilprovidetheAPIforbusinesstoon-boardtheircustomersandmakesuretheyare alsoenoughcomplainttotransactwiththebusiness.thiswilreducethehugeregulatoryrisk whichbusinesseshaveespecialywhentheyacceptcryptocurencies.companiesdoingtoken saleshavetousethisapitobecompliantandretaintheirmerchantaccount. Competitiveadvantage 1. Removetheriskofbusinessinrelationwithdealingwithcryptocurencies 2. Helpthem tointegratethevariouscashaafeaturesintheirerporcustomised application.

32 Premier SmartValue N/A N/A N/A

33

34 Ourteam iscomprisedofthebest, brightestandmostpassionate peopleintheindustrysharingthe samevisionofmakingblockchain applicationssimpleandaccessibleforthemasses.ourteam has morethan200+yearsofpayments andbankingexperiencecombined, whichincludesexecutivesfrom Fortune100technology companies,acentralbankandtop academicinstitutions.

35 Cashaa.com Awards&Recognitions Rankedtop20 th MostInfluential BlockchainCompany Top3 FinalistofBBVAOpen Talentfor Fintechforpeople Top50 EmergingFintech businessin2018 EuropeHotesh CryptoFinance Projectin2018 Featured asupcomingfintech Startupfrom Europein2018 Awardedtechnology TechnologyProviderof theyearforsmein MediaAppreciation

36 Cashaa.com 36 9.Roadmap(2018) Note Thisroadmapisindicativeofourfutureplan.Theimplementationofourinitiativesmaybe subjecttofactorsthatarebeyondourcontrol;insuchcase,theremaybechangesor delaytothedeliverytimeline.

37 10.Token Cashaa.com 37 TokenSymbol CAS TokenContractAddress 0xe8780b48bdb05f928697a5e8155f672ed91462f7 TokenDecimals 8 TokenTotalSupply 1,000,000,000 TotalAvailableSupply 635,000,000 TotalLocked 365,000, TokenSaleStatistics Totalparticipants 53,843 TotalParticipantsreceivedthetoken(AfterKYCverified) 8507 CASTokenSalebeganonNov5,2017andendedonDec5,2017 TotalTokenDistributed 542,000,000 CASTokencostondayoneoftheTokenSalewasequivalenttoUSD0.10 BTCpricegiventoparticipants:17,500USDasof13thDec2017 ETHpricegiventoparticipants:644USDasof13thDec2017

38 Cashaa.com 38 AvgBonus* % oftokenreleased PriceinBTCandETHER 90.5% 12.33% 301Satoshi, % 55.78% 251Satoshi, % 31.89% 210Satoshi, WeightedAvgcostinBTC 244 Satoshi WeightedAvgcostinETH ETH AsofTodayon26 th Nov2018 CASpriceinBTC 321Satoshi CASpriceinETH ETH 10.2.ExchangesListed CASTokenisnow listedon7exchanges,includinghitbtc,cashaaotc,fubt,exrates, IDEX,TopBTC,KoinOK.CoinwithavailablepairsinETH,BTC,USDT OTCExchange

39 Cashaa.com CASTokenUtility InternationalbankAccount(IBAN) 1.EnablescustomerstoopenanIBAN account(forfree)bystakingcastokens 2.Increaseyourmonthlyaccountlimit 3.EnablecustomerstomakeFreelocalandInternationaltransfers. 4.FreeForeignExchange(Forex) Cashaacards 1.EnablescustomerstoupgrademembershipplantohighertierbystakingmoreCAStoken 2.EnablescustomerstoorderCashaacards(forfree)bystakingCASTokens 3.CustomerreceivesCardCashbackinCASTokeneachtimetheytransactwiththeirCard CMCWalet 1.ReducethefeefortheMultisigSendtransactions 2.Alow feefreereversalofthetransactionsreceivedfrom theaddressinvolvedincriminalactivity. 3.VoteforyourfavouritetokenstobeaddedintheMulti-sigwalet 4.EnablecustomerstoupgradetheirmembershipforhigherlimitsbystakingmoreCASTokens 5.OngoingCASStakeisrequiredtogetthereducedexchangefee 6.OngoingCASStakeisrequiredtogetthereducedthefeesforcreditanddebitcardpurchase CAS-Invest 1.ReceiveadiscountonbystakingCASTokens 2.CAS-InvestincludeanalocationofCASTokenstouserportfolio CAS-CreditLine 1.EnableBusinesstoupgradetheirmembershipforthehigherlimitsbystakingmoreCAStoken. 2.Inreplayingloaninterestamountwithdiscountedprice.

40 Cashaa and CAS token Information available at: (Community managed, not official)