Hi guys!

I don't know if there is or there is not this feature in the app, but if it there isn't, wouldn't be a nice tool for clients to be able to set a stop depending on their cryptocurrencies prices?

Example: Client X has in his 2gether app some BTC which he bought at 5,000 EUR, and some ETH bought at 130 EUR. While he lives his life, BTC and ETH prices can be above or below the price he bought them. With this "stop loss" and "trigger price" button, he could set configurations to only buy a cup of coffee with BTC if it's above 5k; if it's under 5k, next coin could be ETH, but only if it's over 130 EUR; if it's not, well, he will pay for his coffee with EUR anyways.

 

Will clients have to pay to have access to IA and Big Data functionalities? If yes, will it be a monthly payment? Can you disclose how much are 2gether intending to charge?

Since 2gether's "users will enjoy extra benefits according to the amount of 2GT tokens they hold, in exchange for the larger value that their holdings create for the overall 2gether community", what would encourage 2gether customers to put their tokens on sale in exchanges?

I think investors outside Europe in 2gether's community are really interested in buying 2GT at its low price, but if there isn't any incentive for holders to sell, how would a healthy 2GT market (and consequently the value increase) sustain outside the app?

Could you please tell us what other options are in the table besides Ripple and Swift? Tks in advance!

Tks! They were indeed!

2GT’s price is €0.05 in presale. Once it becomes listed in exchanges, price will fluctuate as the market wishes.

Does that mean that if the 2GT goes below presale initial price 2gether will sell it for market’s price or it will be always equal or more than €0.05? If the last, what’s the financial team thoughts about arbitrage (buying low in exchanges, selling instantly for EUR or cryptos higher in 2gether app)? If the first, how to sustain the company profitability in possible long periods of bear market? If the last, 2GT price in app will automatically increase and decrease based in exchanges until it bottoms, if it happens someday, €0.05 again? If the first, can investors be sure of never losing money in this design (once bought for €0.05 you can always go to the app to sell them regardless market's price)?

4 questions in 1 post. Thanks again, guys!

In 2gether app, transactions will occur as fast as a blink with unlimited scalability. Although in Europe there's not big issues concerning agility in transfering money, once 2gether reaches non-Euro countries it will need a fast sending money system. Do the team intend to use settlement systems such as Ripple's Xrapid instead of Swift's message system? Or better, in 2gether's ecosystem, regarding money transfers, will settlement systems be need? If it doesn't, why not?

2GT’s price is €0.05 in presale. Once it becomes listed in exchanges, price will fluctuate as the market wishes.

Does that mean that if the 2GT goes below presale initial price 2gether will sell it for market’s price or it will be always equal or more than €0.05? If the last, what’s the financial team thoughts about arbitrage (buying low in exchanges, selling instantly for EUR or cryptos higher in 2gether app)? If the first, how to sustain the company profitability in possible long periods of bear market? If the last, price in app will automatically increase and decrease based in exchanges until it bottoms, if it happens someday, €0.05 again? If the first, can investors be sure of never losing money in this design (once bought for €0.05 you can always go to the app to sell them)?

4 questions in 1 post. Thanks again, guys!

My last question is more a tip.

To access banking services, people are evaluate by their credit score. A person with high potential risks has less access to lendings, credit cards and other services; a person with low potential risks has normal access to banking services; and a person with much money invested in banks and other financial companies are credited with the higher credit scores.

Okay. Some countries have national credit score or credit rating of every person. USA and UK have Credit Reference Agencies such as Call Credit, Equifax, Experian and TransUnion; Brazil has a company called Serasa, which rate people in a range of 0 to 1000.

My point is these ratings are really serious. They aren't like Uber, Ebay or Mercado Livre where people evaluate services and products with 0 to 5 stars and often give and are given the maximum score for the benefit of receiving the same rating, or for kindness etc.

2gether's whitepaper state that "2gether is already working, and will proactively work, on selectively incorporating the first products and create the first value-added functionalities in order to improve the overall everyday banking experience and engagement of its first users."

It continues, and let me say, showing a great respect to its clients:

• More specifically, the user can source financial products:
  Proactively: browsing the marketplace to search for specific products, categorized, and rated based on scorecards built on value for money and user experience variables
  Contextually: receiving personalized offers from suppliers based on the user's potential needs (e.g. liquidity expectations, product expirations, etc.), applicability and scorecard of available products, and rules set by each user regarding the usage and leverage of his data."

When people request a bank service, this bank will have access of our credit score. My question is: even considering (1) 2gether already choose the best products and services suppliers and (2) this kind of data being confidential, wouldn't be a great tool for 2gether's clients to have access of suppliers' credit scores to know if company A or B has high or low potential risks to work with?


If I didn't make myself clear enough, let me exemplify: client X want to hire a life insurance, he has sold his personal data to 2gether and 2 companies presented their products to him. I imagine the only things the app will show are: prices, the agreement, the name of the companies etc. If client X could see not only the scorecard created by users experiences (once more, like Uber, eBay etc.), but companies' financial credit score, he/she would make smarter or, at least, more conscious decisions.

What do you guys think?  

Nice! It's an amazing tool IMO. Thanks for the reply, now I have a better understanding of the contextual marketplace. More questions coming!

One of 2gether's slogans is "Become a customer and owner for just €10 and participate in 2gether’s presale".

In whitepaper, however, we can find the following legal disclosure "The 2GT Token does not entitle a Tokenholder to participate, whether directly or indirectly, in the capital of the Company, to vote or receive dividends, distribution, disbursement or interest payment, or be deemed the holder of capital stock, shares, or similar equity related or other rights (including debt) of any kind whatsoever of the Company for any purpose, nor will anything contained herein be construed to confer on the Tokenholder, as such, any of the rights of an equity or debt holder of the Company [...]" and so on.

"Users will be able to participate in 2gether’s collaborative model and receive real-time 2GT rewards every time they make a transaction within the following areas: contextual marketplace, data permissions, tailored marketing, and new economy solutions (tokenization)".

Members, among other benefits, can decide:
"-   Users will be able to vote on relevant matters related to product, price, etc. (e.g. 2gether’s next product, new card design, etc.)
-   Each user will have one vote"


Question: saying that users can be owners by investing in 2GT but don't giving tokenholder rights wouldn't be misleading advertisement? See, when I'm invited to be minority owner in a company, I want to have participation in the profits, or, if not, at least my vote to be equivalent to the number of shares I have.

I understand and really appreciate 2gether's collaborative model and the areas the app will cover could disrupt the way we think our data and daily banking solutions, but I think it would be clearer to state that the collaborative model implies cashback and rewards only not ownership per se.

Please, show me where I'm not understanding the meaning of the slogan.

However, how could an user "acquire, exchange, and sell non-financial assets (e.g. electricity, data, telephone minutes, knowledge) relevant to the users’ personal economy as if they were money" if it won't be easy as make 1 or 2 clicks only in the app? Are the products and services meant to be traded between users?

Hello guys, with regulations at crypto doors, one thing that is becoming usual is the requirement of KYC to register in exchanges and other buying-selling sites.

Do you think in future hot wallets and hardware wallets will have the same particularity?

In Brazil, we need to declare Bitcoin and other cryptocurrencies as properties as well. We only pay taxes if we sell more than 35k BRL in profit. If we have 30,000 BTC for example and sell less than 35k BRL per month, we are free to pay taxes.

Talking about the contextual marketplace, I've read in Tokenomics paper that "product and service suppliers include fintechs, banks and insurance companies" and in the whitepaper that we will be able to "acquire, exchange, and sell non-financial assets (e.g. electricity, data, telephone minutes, knowledge) relevant to the users’ personal economy as if they were money".

I know the platform is in its very early stages, but, after getting 400k users, when 2gether's marketplace started, every user could offer services and products in the app with 1 or 2 clicks only or suppliers will need to assign or pass through a screening to assure the existence of their services or products?