Quote from: Alex Fork on December 11, 2016, 05:49:50 PM

https://i.imgsafe.org/bb6b7016fa.png

Main ICO 6th of April - 26th of April 2017

HUMANIQ: A BRAND NEW FINANCIAL ECOSYSTEM TO EMPOWER THE WORLD'S TWO BILLION UNBANKED

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Dear Bitcointalk,

The key to a successful start-up project is to make sure that it is a unique and superior solution to an existing problem, rather than a solution in search of a problem. The problem that we intend to solve - is how to connect the worlds two billion unbanked to the global economy, with all the benefits this provides them. Humaniq has a brilliantly innovative model and we think youre going to like it.

Humaniq will provide blockchain-based financial services and access to the global economy to users in emerging economies via a mobile app. We believe this app can create a huge network of users who will access services such as insurance, P2P lending, remote work, and small business loans, all provided by third party companies who will plug into Humaniqs API.

Let's be very clear: we are not talking about a generic mobile app for a traditional bank, nor are we going to be yet another mobile bitcoin wallet. At Humaniq, we are creating an entirely new financial ecosystem, built on top of the Ethereum blockchain. And this is truly a win-win - the end users have the opportunity to lift themselves out of poverty, and engage in the digital economy, and the supporters of the currency will have a token that will have stability and longevity - as well as have utility.

http://i.imgur.com/cH7EwlX.jpg

Humaniq CEO Alex Fork, hosting conference with Vitalik Buterin in Moscow

MERGING BLOCKCHAIN TECHNOLOGY, SMART PHONES AND BIOMETRIC IDENTIFICATION TO CREATE A NEW PARADIGM

We identified three key questions that Humaniq needs to answer to be successful:

How do you create a fair and equitable system for all users?

How do you eliminate the hardware and energy requirements of mining for new users?

What if many users do not have access to formal identification and are unfamiliar with email and 2FA?

Humaniq is using the well-established architecture of Ethereum, rather than a proprietary blockchain, as the basis of our platform. For this, we are creating our own exchange-tradeable token - HMQ. In addition, our system will also be able to handle transactions in ether, bitcoin and possibly other cryptocurrencies.

Were using a new concept called Proof of Face (PoF), a radical departure from the energy and computationally intensive PoS and PoW methods used for most blockchain currencies. New tokens will be generated by user actions, such as opening an account, inviting friends, and carrying out other one time actions, so that every user will start with a limited amount of HMQ that they can use to begin interacting with the Humaniq economy.

To eliminate the need for formal ID or emails and complicated passwords, Humaniq is using biometric identification to both register new users and to verify transactions. It will be the first network where every user is guaranteed to be unique.

After discussing this idea with many blockchain and fintech experts and following their very positive feedback, we are now proud to present to you: Humaniq, a new financial ecosystem whose focus is on connecting the unbanked and underbanked, worldwide.

Usage Case 1- P2P and Small Business Lending
A user has an idea to do something productive, but needs capital. They select the P2P lending function on the Humaniq app and negotiate a small loan with another user.

Usage Case 2- Insurance
A craftsman wants to send hand-carved figurines to an international buyer, but the nearest international shipment center is hundreds of miles away. The seller finds an insurance provider through the app and insures their items so that they are compensated in the event of damage or loss during transport.

Usage Case 3- Remittance Payments
A worker overseas wants to send money back to their family, but neither of the parties have bank accounts. Rather than pay an excessive fee to go through a transfer agent, the worker converts his currency into bitcoin and sends it to his family member, who uses a mobile cashier service to convert bitcoin to the local currency.

Usage Case 4- Remote Work
A company has easy online tasks that are difficult to automate, yet not cost-effective to hire locals for. A Humaniq user selects tasks that they can do, and makes a small amount of bitcoin, HMQ, or ether for their work. Tasks can include things like rating products, providing reviews, or moderating videos.

http://i.imgur.com/FxTOjsc.jpg http://i.imgur.com/AGuqZfi.jpg

WE VALUE THE COMMUNITY'S FEEDBACK

We are looking for honest, reliable feedback and welcome your suggestions.

Our main website can be found here: Humaniq

A draft version of our white paper can be accessed here: Humaniq Whitepaper

Please note that this is not the final version and that additional improvements/solutions will be included following discussions with potential users and investors.

You are also welcome to join the discussion on our Slack

A FAIR PRE-ICO TO ACCELERATE THE PROJECT

In December, with little fanfare and a small team, Humaniq more than achieved our pre-ICO funding goals. The enthusiastic response of our supporters has allowed us to expand our team and begin working on our roadmap. We recently passed a significant milestone by releasing the early alpha version of our app for testing on both iOS and Android.

Total token supply during pre-ICO: 27 914 393

BTC collected: 99.002855

ETH collected: 3122.362977

APRIL ICO

Humaniqs ICO will start on April 6th and last until April 26th

April 2017→ Buy the smart-contract →Get 1000 Humaniq Tokens for 1 ETH

The ICO will feature a time-sensitive bonus system. People who invest within the first 24 hours will receive a 49.9% bonus on their tokens, while those who invest within the first week will receive a 33% bonus. The second week will give out a 20% bonus, the third week it drops to 14%, and then falls to 7% during the fourth week.

To get full details on the mathematical emission model of Humaniq tokens, please read the Humaniq Whitepaper.

Media

Cointelegraph: Blockchain Startup Uses GUI With Symbols Instead of Text to Connect Unbanked to Global Economy

Coinfox: Humaniq to help unbanked population via blockchain

Blockchain News:/2017/02/04/dwight-sproull-blockchain-banking-can-transform-womens-lives-in-emerging-economies/]Dwight Sproull Blockchain Banking Can Transform Womens Lives in Emerging Economies

The Merkle: Humaniq Backs Startup Contest at Munichs BlockShow Europe 2017

Cryptonoticias: Humaniq y la banca 4.0

BitcoinChaser: Humaniq Interview: Delivering Banking Services To The Unbanked

Blockchain news: /2016/12/16/19699/]Anthony Akentiev: Humaniq Presale Analysis Decentralised Banking for the Unbanked

Smith+Crown: Humaniq: crypto-finance for the undocumented and unbanked

Cointelegraph: ICO Roundup 2017 by Cointelegraph: Cashing In On Blockchain Apps Mainstream Year

Blockchain news: /2017/02/11/blockchain-in-africa-interview-with-alakanani-itireleng-from-the-satoshi-centre-in-botswana/]Alex Fork: Using Blockchain and Banking to Empower Africas Poor with Economic Opportunities

Newbium: Humaniq - Discover the unbanked

Cryptosmile: Humaniq - The Crypto Finance to help Unbanked Population

Cointelegraph: Humaniq And Cointelegraph Announce Blockchain Oscar Startup Competition

Cointelegraph: D10e Conference in Romania: How Blockchain Helps Fight Corruption & More

Banks.eu: Humaniq project mobile banking based on blockchain and biometrics

Blockchain news: /2017/02/11/blockchain-in-africa-interview-with-alakanani-itireleng-from-the-satoshi-centre-in-botswana/]Blockchain In Africa Interview with Alakanani Itireleng from the Satoshi Centre in Botswana

Cointelegraph: Ethereum-Based Humaniq To Deliver Banking 4.0 to 2 Bln Unbanked

52 ICO: Ethereum-Based Humaniq To Deliver Banking 4.0 to 2 Bln Unbanked

BitcoinNews: Humaniq - Banking für Alle!

FinanceMagnates: Blockchain Banking App Humaniq Set for Initial Coin Offering in April

TheDashTimes: Humaniqs CryptoPension a Pancea to Africas Pension Worries

BitcoinChaser: Humaniq Interview: Delivering Banking Services To The Unbanked

52 ICO: Alex Fork - Using Blockchain and Banking to Empower Africas Poor with Economic Opportunities

Cryptonoticias: Humaniq busca la inclusión financiera a través de la tecnología blockchain

The Merkle: Humaniq aims to connect millions of Unbanked

MY PERSONAL BLOCKCHAIN STORY

Alex Fork

2013:- Author of the book "Bitcoin. More than money."
2014-2016:-Speaker at numerous fintech conferences.
2015: -Deep Knowledge Life Sciences Representative.
2015, October:- founded Future Fintech accelerator community and coworking, helping to develop companies in the field of novel financial technologies.(video)
2016, May:- organised an Ethereum conference with Vlad Martynov (Ethereum advisory board) and Vitalik Buterin, which was attended by over 500 banking professionals.
2016, April:- held a meeting with UN representatives in Moldova,discussing financially depressed and unbanked regions and meeting potential partners for the Humaniq project.
2016, June-September: - took part in supporting Waves and Emercoin projects and helping them to acquire proper blockchain technologies.
2016, August: - finished successful crowdfunding campaign for publishing Salim Ismails book Exponential Organizations (Singularity University, Silicon Valley)
2016, September-October:-after meeting the Bitcoin Embassy Israel team, and several other development teams there, we developed the architecture of the Humaniq project. Started writing the Whitepaper.
2016, November-December:- launched the first steps of the Humaniq project.

PICTURE GALLERY

Vitalik Buterin lending support to the Humaniq Project: http://i.imgur.com/VDBn2wh.jpg
Alakanani Iterling Humaniq Project`s enthusiast: http://i.imgur.com/4dtbPHy.png
Meeting at UNDP in Moldova: http://i.imgur.com/zHLtJbU.png
On stage with Vitalik Buterin: http://i.imgur.com/cH7EwlX.jpg
Speaking at conference: http://i.imgur.com/10e0xws.jpg
At the Moldova ICT summit 2016: http://i.imgur.com/lGH8tw4.jpg
Busy networking: http://i.imgur.com/fZw5vSn.jpg
Conferences: http://i.imgur.com/WXSuiHX.jpg

ESCROW TEAM

Alex Fork
George Basiladze
Bitcointalk user btcsec

ADVISORY TEAM

Richard Kastelein - Publisher of ]Blockchain News, Director at Blockchain Partners, Founder of CrypoFinancing 2017 Conference
Dinis Guarda - Digi-Arts UNESCO, Greenpeace, ICA, business and digital transformation strategy
Alakanani Itireleng - Director at Satoshi Centre

LINKS

Alex's Facebook

WHITEPAPER (google docs)

HUMANIQ OFFICIAL SITE

ADDITIONAL INFORMATION

Should you require any additional information about our organization, please feel free to drop us a line at info@humaniq.co

my question is this,
all those people that don't have bank accounts don't have any money so why would they ever open a bank account just because there is a coin for it that they can't afford to buy. they will use every penny they get hold of to buy food or pay a bll with. so what good will a coin do for a country that don't have banks because the banks don't have any depositors to make them needed in the first place?

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