GN COMPASS

Peer-to-peer Cryptocurrency-Backed Lending platform
for peace of mind, worry free investing

WEBSITE / WHITE PAPER / TELEGRAM / TWITTER / FACEBOOK / MEDIUM / REDDIT / SLACK

Official GN Compass Bounty campaign: 10,000,000 GNCT Tokens (~$3,000,000 USD) are waiting for you!
https://bitcointalk.org/index.php?topic=2708667.0

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ICO CAPS

Softcap: $500,000 USD (achieved)
Hardcap: $14,000,000 USD

TOKEN SALE: 29.01 - 30.04

Pre-Sale 1st Round: 29.01 04.02 | 1 GNCT = $0.14 USD
Pre-Sale 2nd Round: 05.02 11.02 | 1 GNCT = $0.20 USD
Pre-Sale 3rd Round: 12.02 28.02 | 1 GNCT = $0.25 USD
Main-Sale : 09.04 - 30.04 | 1 GNCT = $0.30 USD
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Other Languages
(Links will be updated after the translation)
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Korean : (ANN, Whitepaper)
Indonesian : (ANN, Whitepaper)
Dutch : (ANNANN, Whitepaper)
Thai : (ANN, Whitepaper)
Polish : (ANN, Whitepaper)
Filipino : (ANN, Whitepaper)

Japanese : (ANN, Whitepaper)
Vietnamese : (ANN, Whitepaper)
Italian : (ANN, Whitepaper)
Danish : (ANN, Whitepaper)
Russian : (ANN, Whitepaper)
Arabic : (ANN, Whitepaper)

Spanish : (ANN, Whitepaper)
Romanian : (ANN, Whitepaper)
Bulgarian : (ANN, Whitepaper)
Greek : (ANN, Whitepaper)
Turkish : (ANN, Whitepaper)
Ukrainian : (ANN, Whitepaper)

German : (ANN, Whitepaper)
Portuguese : (ANN, Whitepaper)
Slovenian : (ANN, Whitepaper)
Hindi : (ANN, Whitepaper)
French: (ANN, Whitepaper)
Chinese Simplified : (ANN, Whitepaper)

PROBLEMS
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Even with the internet and modern technology, loans remain very similar to their origins with big banks and gate keepers leveraging majority of the value.

This causes three large issues within the modern-day loan industry:
   1. Centralized structures that lack transparency;
   2. Low liquidity of notes and securities;
   3. One-dimensional credit scores that only aggregates and analyzes public consumer data.

SOLUTIONS
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GN Compass provides Cryptocurrency-Backed Loans to create constant liquidity in the lending market. This is accomplished by allowing investors to sell portions of loans in their portfolio. Investors are not locked in to the term of a loan and can liquidate loans for any reason (E.g. financial hardship, increased GNCT price etc.) only after a certain no-trade time period has been reached.

The buying investors will reap the benefit of the loans being paid back by borrowers while the selling investor still makes a profit. By using blockchain technology to verify and distribute all transactions across the Ethereum network, it guarantees transparency.

HOW IT WORKS
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For Lenders
Investors simply sign up and create their profile and investment portfolio. The investment portfolio page will ask the Investor about their investment goals such as retirement planning, preferred repayment cycle (e.g. To have investment re payments deposited to their account on a certain day per month). This is where they will input the amount they are looking to invest and the interest rate they are looking to receive plus the length of time they are looking to invest for.

Once the profile is complete and the Investor is happy with their investment settings, they will then be required to add their banking information into our secure payment system. From there, the Investor will be assigned a secure digital wallet attached to their bank account where all the transfers and payments will be made. The Investor investments will then be sent to a loan pool to fund loans. When loans are being repaid the GNCT backing the loans will be adjusted accordingly.

For Borrowers
Borrowers will sign up by creating a username, password and completing a profile page. They will also have the option to sign up using their Facebook account, which will enable GN Compass to connect and pull basic information from their Facebook profile.

Once the Borrower has successfully completed their profile and all required documents have been submitted and processed, a risk assessment will be done and the borrower willbe given a risk rating. The loan amounts will range from $1,000.00 to a maximum of $50,000.00 with an interest rate from 3.99% to 11.99%. If their risk rating is within our parameters, they can proceed with their application. If their risk rating is beyond our parameters, they will be declined and required to reapply in three months.

Approved borrowers will fill out a loan application (aka smart contract), which will ask how much they want to borrow, loan length (e.g. six months, one year, three years etc.) and loan repayment cycle (e.g. to have automatic withdrawals from their account on a certain day per month). Loan requests will be sent to a pool of other loan requests with the same credit rating where Investors' funds will fund the loans.

Borrowers are required to pay balance protection insurance on loans. The insurance amount is a percentage of the outstanding balance. The percentage is determined by the borrower's risk rating.

GN Compass Credit System
Our credit system will use traditional credit scores, mobile data and social media analytics to assess risk and assign a GN Compass credit rating from A+ to B. Other factors assessed to determine a borrowers GN Compass credit rating will be occupation, military service, volunteer work, credit history, debt-to-income ratio and income. This information will give us more detailed picture of our borrowers.

Microloans
In the future, we wil offer micro loans to higher risk borrowers. These borrowers will be assigned a GN Compass credit rating of C+ to D, and receive loans from $150 to $1000 at interest rates from 13.99% to 16.99%. These borrowers wil also have the opportunity to improve their credit rating with good payment history.

Compass Token (GNCT)
Al loans will be backed by Compass tokens (GNCT). The tokens wil represent the amount invested. This does not include the potential interest amount the Investors wil receive. If Borrowers default on a loan over a certain period, the tokens will be automatically exchanged and the fiat currency the Investor originally invested with (e.g. US dollars) will be deposited into the Investors' walet. The Investor can then choose to reinvest or transfer funds from their wallets back into their bank accounts.

Transferability of Tokens
What makes GN Compass unique is that Investors can sell loan portions or their entire loan portfolio to another person.

If an Investor wants to sell a portion on their loan to a new buyer(s), their information will be attached to the smart contract along with the Sellers. The percentage of the tokens sold will determine the percentage of the investment and interest that will be divided among the seller and buyer(s).

If the seller sells all their tokens, the smart contract will replace the seller's information for the buyers, and all the proceeds of the seller's former investment (plus interest) will go to the new buyer(s). The new buyer(s) would have to be registered as a token buyer or an Investor on our system and have a wallet with us.

Introduction Video

ADVANTAGES
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.	Borrowers are funded 10x faster than banks	Borrowers and Investors don't need to own cryptocurrency	Investors funds are backed by GNCT which are much more liquid than notes and securities
.	Our cryptocurrency-Backed Loans secure Investors fund with GNCT so Investors have zero risks	Easy to sign up. easy to apply for loans and easy to invest	Much larger global market

ROADMAP
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TOKEN DETAILS
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.	Token name:	Compass Token
.	Symbol:	GNCT
.	Type:	ERC20 (Ethereum Blockchain)
.	Total supply:	1,000,000,000 GNCT
.	Softcap:	$500,000 USD
.	Hardcap:	$14,000,000 USD
.	Token Sale:	29.01 - 30.04
.	Accepted purchase:	BTC, BCH, DASH, ETH, LTC
.	Price:	1 GNCT = $0.14 - $0.30 USD
.	Country:	Canada
.	Whitelist/KYC:	KYC
.	Restricted areas:	USA, China

TOKEN ALLOCATION
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.	Token Sale	\|\|\|\|\|\|\|\|\|\|\|\|\|\|\|\|\|\|\|\| 20%
.	Bonuses	\|\|\|\|\|\|\|\|\|\| 10%
.	Back Investor Funds	\|\|\|\|\|\|\|\|\|\|\|\|\|\|\|\|\|\|\|\|\|\|\|\|\|\|\|\|\|\|\|\|\|\|\|\|\|\|\|\|\|\|\|\|\|\|\|\|\|\|\|\|\|\|\|\|\|\|\|\| 60%
.	Reserve	\|\|\|\|\|\|\|\|\|\| 10%

FUNDS DISTRIBUTION
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TOKEN SALE
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Sale of tokens are to raise funds for platform development.

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PHASE

Pre-Sale 1st Round
Pre-Sale 2nd Round
Pre-Sale 3rd Round
Main-Sale

DURATION

29.01 - 04.02
05.02 - 11.02
12.02 - 28.02
09.04 - 30.04

PRICE

$0.14 USD
$0.20 USD
$0.25 USD
$0.30 USD

BONUS STRUCTURE

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For tokens Purchased

100,000 GNCT
200,000 GNCT
300,000 GNCT and above

Pre-Sale

10%
20%
30%

Main-Sale

05%
10%
20%

TEAM
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MICHAEL COLLINS
CEO/FOUNDER

Michael is a lending, financial technology specialist
and serial entrepreneur. He is currently the owner
of Great North Capital Inc. a financing company
specializing in personal and small business loans.
Michael has extensive knowledge of the Bitcoin and
Ethereum platforms with a particular focus on
blockchain technology and it potential in the financial
industry.

JEAN PIERRE RUKEBESHA
CO-FOUNDER & CFO

Jean Pierre is a CPA with a masters degree in business
administration.He specializes in accounting, managing
businesses with analytics & strategic planning. He is
also a two time author of business and entrepreneurial
books.

JORDAN TYMBURSKI
CTO

Jordan is full stack computer engineer and has been
working professionally in the industry for 7 years.He
specializes in Java, C++, HTML/CSS/JS, PHP, SQL,
Android SDK, Bootstrap, JQuery, ZMQ, Blackberry KNOX,
GPG. Jordan is our senior engineer and will be incharge
of the frontend architecture of GN Compass.

ADVISORS
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.	ANTOUN TOUBIA SENIOR ADVISOR GN COMPASS & CHAIRMAN, UNITED CAPITAL INVESTMENTS Antoun is an investment services professional with years of experience in Private Equity investments, venture capital and Blockchain Technology. He is currently building a new type of Private Equity Portfolio Fund based on the Blockchain technology and has already secured several project agreements including government backed contracts.	ROGER CROOK CEO OF CAPITAL SPRINGBOARD & FORMER CEO OF DHL GLOBAL FORWARDING Roger is the CEO of Capital Springboard - Singapores leading peer-to-peer invoice financing platform for SMEs. Capital Springboard facilitates trade for SMEs by granting them access to working capital provided by investors which include, accredited investors, institutional investors, HNWIs, IFAs and family offices.	DAVID DRAKE FOUNDER AND CHAIRMAN AT LDJ CAPITAL David Drake is Founder and Chairman at LDJ Capital, a multi-family office which deals in various funds worldwide with over $1.5 trillion in assets, and maintains over 50+ global directors and family office partners. More recently, Mr. Drake is also seen as a leader in cryptocurrency. Mr. Drake saw the value of digital assets when everyone was avoiding it.
.	BOBBY BARONE BLOCKCHAIN ADVISOR, INVESTOR & ENTHUSIAST Experienced blockchain advisor, investor & enthusiast with a demonstrated history of working in the financial services and blockchain industry. Deeply intrigued by disruptive business models. Angel Investor. Specialized in Ethereum & smart contract technology and their real-world applications. Skilled in business strategy, relations & development, ICO promotion, content creation, and white papers.	RIASAD HADI HOSSAIN BLOCKCHAIN CONSULTANT AND SOCIAL MEDIA EXPERT I work as a team member at Tradove.Inc alongside being an advisor for GN Compass. As an Advisor for GN Compass I will use my contact to bring in investors, help to grow and reach more and more people, get GN Compass listed on various websites, help with marketing and in the financial department, press releases etc.	GEOFFREY GREEN CEO OF MYNTEX INC Myntex are the industry leaders in data and email encryption solutions. Myntex Inc
.	GENE SWANK INVESTOR, BOARD MEMBER, ADVISER AND MENTOR Gene is a highly accomplished Senior Executive, C-Suite Officer, Founder, Serial Entrepreneur, Consultant, Thought Leader, Engineer and Board Member with over 15 years of success across wireless, software, technology, printing, real estate and more. Leveraging extensive experience in entrepreneurship and software development	JASON COLES BLOCKCHAIN/ICO ADVISOR, ICO CONSULTANT Jason is an innovator and industry leader with a proven track record of successful ICOs. Jason is a blockchain consultant and blockchain enthusiast.	BRYAN FEINBERG CEO AND FOUNDER OF ETHERALABS Etheralabs is a NYC Based Blockchain Advisory. Bryan is a Licensed Investment Banker holding is Series 7, 63 & 79 Finra license and is both deeply passionate and active across both the fintech crypto landscape.

SUPPORTERS
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LEE RAJ
ETHEREUM DEVELOPER AND
BLOCKCHAIN CONSULTANT

Lee develops Ethereum Smart Contracts using Solidity and
offers Blockchain Consulting. Lee is also a developer with
Nodejs (Express Framework), MongoDb, Javascript (Jquery)
and HTML5 / CSS3 experience.

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SUBRAMANIAN VENKATESAN
SOFTWARE ENGINEER, BLOCKCHAIN
AND SMART CONTRACT SPECIALIST

Subramanian Venkatesan is a Smart Contract Developer
with strong CS fundamentals. Additional skills include
creating Ethereum blockchain smart contracts using solidity.

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PRASHANT RATTAN
MARKETING EXECUTIVE

Prashant is an expert in #Digital Marketing,
#SEO, #SMO, #SMM #Wordpress #Yoast SEO.
He manages our social media marketing on
all major social media platforms to promote
our website, create brand awareness, brand
promotion and lead generation.

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SUNSHINE REYES
MARKETING EXECUTIVE

My previous Project Manager positions honed me to be patient,
organized, attentive, emphatic, fastidious, and calm. It also taught
me the useful knowledge that I still carry to this day. My expertise
includes Social Media Engagement, Email Marketing, Business
Directories, Canvas Designing, Data Entry, Data Minning, Organizing
Files, and Email Management.

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GANESAN NAGALINGAM
SENIOR DEVELOPER AND MARKETING EXECUTIVE

I am a PHP developer, experienced in PHP & MySQL web programming,
clean W3 compliant XHTML/HTML/CSS coding and Javascript/AJAX
programming. I also build custom database driven PHP cms websites and
interactive web applications in PHP/MySQL. I also have experience in
Social Media marketing/SEO/SMO/SEM in various companies as well as
experience in #Digital Marketing, #SEO, #Wordpress #PHP #Web
designing #Laravel Frame work

PAYMENT PARTNERS
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STRATEGIC PARTNERS
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POTENTIAL EXCHANGE LISTINGS
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IN THE NEWS
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WE ARE LISTED ON
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BOUNTY CAMPAGIN
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https://bitcointalk.org/index.php?topic=2708667.0

GN Compass is going to be a collaborative process. And we need support to make this ICO successful. So you win, I win. A team of skilled professionals has already dedicated a huge amount of their time and knowledge in order to make this happen and we will continue to do so. With participation in the bounty campaign, you can become a part of the GN Compass project.

Anyone can become a shareholder Initial coin offering (ICO) starts on Jan 29th, 2018. We shall reserve 10,000,000 GNCT i.e. GNCT tokens for several bounties, which we will distribute to everyone who supports ICO before and during the ICO.

1. Telegram/Newsletter Campaign 5% (500,000 GNCT)
2. Translation Campaign 30% (3,000,000 GNCT)
3. Social Media Campaign (Facebook/Twitter) 25% (2,500,000 GNCT)
4. Article/Media Campaign 15% (1,500,000 GNCT)
5. Signature Campaign 25% (2,500,000 GNCT)

GN COMPASS

Peer-to-peer Cryptocurrency-Backed Lending platform
for peace of mind, worry free investing

WEBSITE / WHITE PAPER / TELEGRAM / TWITTER / FACEBOOK / MEDIUM / REDDIT / SLACK

*Thank MrSpasybo