01 For more information visit STO.ARYZE.IO An Introduction to ARYZE Security Token Offering (STO) The Market Opportunity Today, conventional payment networks are costly and inefficient, leading to high transaction fees for both domestic and international transfers of monetary value. Approximately $658 billion is moved cross-border annually as remittances, at an average fee of 7%, equating to $46 billion per year. More than 800 million people rely on remittance payments as primary income. As the traditional financial systems in place are still analog to a high degree, innovators that require a familiar, stable, and smart digital currency for transactions are currently lacking a viable solution. In 2017, the global payments revenue was $1.9 trillion and is estimated to grow to $2.9 trillion in 2022. Cross-border transactions represent a large portion of this market and are primarily dominated by transaction - and FX fees. Global industries, such as trade finance, require a stable, digital currency with no credit risk in order to utilize blockchain innovations like smart contracts to reduce counterparty risk. The global trade finance market was valued at $59.5 billion in 2018, representing an enormous market opportunity for ARYZE. Our Solution ARYZE creates Digital Cash™ - making payments virtually costless, faster and smarter on an interoperable platform that allows businesses and developers to build the solutions of tomorrow. The supporting network for this is RYZEnet; a new financial infrastructure and distributed blockchain network where Digital Cash is issued, transferred and redeemed. An Introduction to ARYZE Security Token Offering (STO)
Transcript
01For more information visit STO.ARYZE.IO
An Introduction to
ARYZESecurity Token Offering (STO)
The Market Opportunity
Today, conventional payment networks are costly and inefficient, leading to high transaction fees for both domestic and international transfers of monetary value. Approximately $658 billion is moved cross-border annually as remittances, at an average fee of 7%, equating to $46 billion per year. More than 800 million people rely on remittance payments as primary income. As the traditional financial systems in place are still analog to a high degree, innovators that require a familiar, stable, and smart digital currency for transactions are currently lacking a viable solution.
In 2017, the global payments revenue was $1.9 trillion and is estimated to grow to $2.9 trillion in 2022. Cross-border transactions represent a large portion of this market and are primarily dominated by transaction - and FX fees. Global industries, such as trade finance, require a stable, digital currency with no credit risk in order to utilize blockchain innovations like smart contracts to reduce counterparty risk. The global trade finance market was valued at $59.5 billion in 2018, representing an enormous market opportunity for ARYZE.
Our Solution
ARYZE creates Digital Cash™ - making payments virtually costless, faster and smarter on an interoperable platform that allows businesses and developers to build the solutions of tomorrow. The supporting network for this is RYZEnet; a new financial infrastructure and distributed blockchain network where Digital Cash is issued, transferred and redeemed.
ARYZE is making sovereign cash digital, while keeping underlying funds safe in the central banks that initially issued them, leading to drastically reduced credit risk. Digital Cash is fully backed, globally transferable, programmable, and suitable for both businesses and consumers.
With programmable, digital money, our platform enables businesses and developers to build global, smart-contract solutions and modules that can interact with each other, while providing a service that lowers transaction fees to near zero.
This allows for businesses to save up to 80% on the management of their payments and for foreign workers to transfer money safely, instantly and globally, virtually without cost. The latter will help in solving the United Nations Sustainable Development Goal #10 which is important to ARYZE.
M.A.M.A. - Multi Asset Modular Application
Offers storage and transfer of Digital Cash in various currencies in mobile wallet. Enables app developers to create customized extensions for our modular marketplace. A gateway to traditional financial services and blockchain-based assets. Allows e-commerce, Virtual/Physical Debit Card integrations.
RYZEnet API Integration for third party financial services
Corporate entities will be able to access RYZEnet through familiar and straightforward APIs. Dependent on the user role, different functionality is available from the API. For corporate clients, RYZEnet will be available for trade finance operations, treasury management and a variety of financial services.
Business and Revenue Generation Model
Revenues are generated from deposit interest, foreign exchange currency spreads, developer’s licenses, premium business subscriptions, as well as substantial earnings from white-label enterprise solutions.
We have chosen to utilize a Business-to-Business-to-Consumer strategy for customer acquisition and market entry. This way, we appeal to our paying customers (businesses), where after we provide incentives and cost savings to companies for them to promote
Jack Nikogosian, CEO (r ight), Mor ten Nielsen, CFO (lef t)
MAMA to their employees and customers. Businesses save on transaction costs and risks, and retail users can customize their digital wallets, store their money safely, or spend freely - either directly through MAMA or a debit-card integration.
Investment Opportunity
The ARYZE Security Token Offering (STO) is a dual tranche (US/EU) regulated offering of RYZE tokens for professional investors - RYZE tokens are separate from our Digital Cash products. Our target is $29 million. When a dollar is earned, 50% goes to ARYZE. The other 50% goes towards purchasing RYZE tokens back from the open market, which are subsequently destroyed - somewhat similar to a corporate share repurchase program, where fewer tokens share a portion of the future revenue being generated. For more information, visit our STO site at sto.aryze.io.
The Team
The ARYZE team consists of financial technology and banking experts, with the managing team comprised of Jack Nikogosian (CEO) and Morten Nielsen (CFO). Nikogosian has, throughout his career, been heavily involved with various blockchain payment solutions and is widely known as one of the principal blockchain experts in Scandinavia. Nielsen is former Head of Global Hedge Fund Derivative Marketing at UBS, with six years prior experience in senior positions at JP Morgan in London. The remainder of the current team consists of communications, marketing, finance, ledger technology, and product development specialists from a wide variety of backgrounds. A description of the entire team is available on our webpage.
• First successful Danish ICO • Best New Danish Startup (Copenhagen Fintech Week 2018)• Best Fintech (Venture Cup Denmark 2018) • People’s Choice (SDG Tech Awards 2019) • Top 50 Nordic Impact Company (The One Initiative 2019) • Top 40 Nordic Growth Startups (Tame Investor Series 2019)
Going Forward
• Security Token Offering for professional investors in 2019 – target funding $29 million.
