Bitshares currently offers the best possible condition for convergence. With its graphene blockchain, smart coins and decentralized asset exchange. Start-ups like bitspark are adding the transfer component.

The basic condition for convergence is that money creation, trading and transfer must be a seamless experience for the end user. This means that these three activities must happen on the same blockchain.

Within 90 days after our ICO, Token Changer will start launching DApps that implements our idea about the convergence of money.

Just like the Apple Store is a destination for mobile applications and Amazon, Ebay and Alibaba are buying and selling destinations on the world wide web. Token Changer’s intent is to become a destination for decentralized financial applications (DApps). Also,in september 2018, we will have added an oracle and alarm clock capability to complete the platform. An oracle will automate the input of data (like price feeds) into our blockchain server. An alarm clock sends scheduled alerts to the blockchain server.

In January 2017, we imagined these possibilities and today, we have built it. The Token Changer decentralized financial applications platform is live now on the Ethereum blockchain Without funding, the Token Changer team has demonstrated experience and competence.

Currently both exchange types support transactions having two attributes: quantity and price. But buying, selling, giving or receiving value is more complicated than this. In financial services, there are hundreds of trading protocols having a multiplicity of transaction attributes. For example, an options contract has three attributes: quantity, price and time. Buyers and sellers of an options contract need to open and close their position within a predetermined time. The same applies to various industrial sectors. Imagine a platform that can handle simple transactions like the trading of tokens and money remittance as well as complex transactions like futures contracts, debt securitization and invoice discounting.

We design, build and host a wide variety of distributed financial applications (DApps). From simple token trading DApps to complex applications

Here are some of the things :

  Web browser interface for DApps
  No login required
  Secure and trustless blockchain software at the back-end
  Multiple blockchains supported
  Users are part owners of the platform
  Zero fees for market makers"

Token Changer is a blockchain platform for distributed financial applications.

Why not! Token Changer is well positioned to create Token Networks.
Token Changer is a neutral token issuer working in the interest of all group actors.
Token Changer has the right platform component (dapps) to administer the issued token.
Token changer provide tools and services for off-chain processing of native tokens.

Haha sure.. Air Miles is an example of an off-chain artefact that has similarities to a Token Network. The early adoption of Air Miles by important group actors (airlines) increased the utility value of Air Miles (equivalent to a blockchain token) for another set of actors (consumers) within the group. The adoption of Air Miles by consumers once again increased the utility value of Air Miles for merchants outside the airline industry. Token network will be working in a similar fashion.

Token Network (TN) are defined as a group of actors whose adoption of a Token Changer native token amplifies the economic utility of the token for all actors within the group. Depending on the purpose of the token, this group of actors can come in many configurations.

Within 90 days after our ICO, Token Changer will start launching DApps that implements our idea about the convergence of money.

Read more about the convergence of money here :
https://medium.com/tokenchanger/the-next-big-convergence-ba231a092c5e

Without funding, the Token Changer team has demonstrated experience and competence. We have deployed a working platform. In september 2018, we will have added an oracle and alarm clock capability to complete the platform. An oracle will automate the input of data (like price feeds) into our blockchain server. An alarm clock sends scheduled alerts to the blockchain server.

Periodically, the will exchange TOC tokens for Block Points. This action will reduce the reserve of TOC tokens available to fund market maker rewards. To maintain the market maker reserve, the team will use Ether revenue to buy TOC tokens from token holders at above market price. Token buyback ensures the customer loyalty program is sustainable and the buyback price acts as a mechanism to transfer operating revenue to token holders.

Twenty percent (20%) of TOCs is set aside to fund our customer loyalty program. 

Two percent (2%) of this total is been offered in a presale and another twenty seven (27%) percent is been offered in the main sale.

We do but it’s not just our own. Depending on the financial product or service, we build DApps in two ways. On our own and in partnership with financial organisations.

I think so too, but you can check their credentials as mentioned on the website. In my honest opinion, it looks like the team has boot strapped till now, so the number of members are less; which is acceptable. The good thing is that they have KYCed on ICO Bench and the Advisors' profiles also look good. I'm sure they'll hire more talent (mentioned in the financial structure)

Within 90 days after the ICO, Token Changer will start launching DApps that implement the idea about the convergence of money. Without funding, the Token Changer team has demonstrated experience and competence. They have deployed a working platform. In september 2018,they will have added an oracle and alarm clock capability to complete the platform.