Introduction to HROI Token:


HROI is a mass payments ecosystem that aims to use global banking infrastructure POS like any debit card for mass adoption with cryptocurrency futures. Most important that it will redistribute the transaction fees to token holders as profits and it will be used at any shop worldwide that accepts VISA. 


HROI first decentralized Token that looks from investors prospective and mass adoption.

Similar to Visa, Stripe and PayPal global payments technology concept however they charge 2.5-5.5% approx for each transaction which paid by retailers but on account of shoppers as retailers do add this fee to their goods or services price. Visa and PayPal revenue from these transactions shared between private investors only.


Against HROI token decentralised and the transaction fee is 1% only, this fee shared PUBLICLY as ("PROFITS") between all users based on their $HROI wallets holdings on mainnet automatically each day, because of this you will have high return and passive income plus use HROI for shopping, send/receive between other wallets.


Here is some economics with numbers: 

Visa daily transactions volume is 11 billion USD, 2019 Net revenues $23.0B, an increase of 11%. If we do 1 million USD only daily after mainnet it will be huge return for our users, $10k USD for all token holders each day, if we do 1 billion USD daily thats 3,650,000,000 USD yearly ROI for $HROI users, however because of shared revenue of $HROI ecosystem it have potential to reach more users than Visa and more transactions volume.


Mastercard, WesternUnion, Stripe and AMEX they also do billions in daily transactions and they all charge higher transaction fee, HROI less fee and more advanced because of its decentralized shared revenue.


Visa, Mastercard, Stripe & PayPal components of processing fee cost:


There are three parts to the total debit or credit card processing fee you pay: interchange fees, assessment fees, and processor markup fees.


























Market Overview


  • The global digital payments market was valued at USD 3,417.39 billion in 2018, and is expected to reach USD 7,640 billion by 2024, recording a CAGR of 13.7%, during the forecast period of 2019-2024. Money and the idea of its exchange through payments have evolved drastically after their inception. From metal coins to paper, from bank accounts to e-wallets, money has taken various shapes, sizes, and forms. Over the last decade, the payment industry has recorded a robust growth, with new providers, new platforms, and new payment tools being launched almost every year.
  • The market studied is expected to flourish, owing to the robust proliferation of the internet. The internet penetration rate has been recording a healthy growth over the past few years, and is expected to continue traversing the same trajectory, owing to increasing investments by internet service providers.
  • Security is of paramount importance in digital payments. With a multitude of digital transactions taking place via smartphones, the chances of a security breach exist, especially when most of the mobile wallets and banking applications do not deploy hardware-level security, to make online transactions more secure.
  • The global economy is moving toward digitalization to leverage the speed and convenience offered. However, it is prone to cyber-attacks. Recent attacks, such as WannaCry and Wquifax breach, have exploited the vulnerabilities of the system. Thus, governments of various countries are enforcing stringent regulations to deal with such attacks. For instance, two new regulations related to cybersecurity, the European Union’s General Data Protection and New York Department of Financial Services, are already in place. In the future, the number of such regulations from various central authorities is expected to increase, in order to curb cyber-attacks.


Visa Inc. Reports Fiscal Full-Year 2019:


GAAP net income of $12.1B or $5.32 per share and non-GAAP net income of $12.4B or $5.44 per share
Net revenues of $23.0B, an increase of 11%
Growth in underlying business drivers remained strong
Returned $2.7B and $10.9B of capital to shareholders for Q4 and full-year, respectively, in the form of share repurchases and dividends
The board of directors increased Visa’s quarterly cash dividend by 20% to $0.30 per share


The Problem: 


1: Here is the list: 90% of wealth is controled by 1% only. Banks made $64 billion approximately in overdraft fees in 2019, that's $64 billion they took from people who literally had no money!  $ 300 billions on banking and forex manipulation??

Visa & Mastercard charge high transaction fees, their daily transaction volume is $11 billion from which 2.5% approx goes to Visa & Mastercard private investores only sum of which is unsecured transactions becasue of cyber attacks.


2: Inflation, Central Banks can print unlimited Money, depends on your country stability you will lose yearly from 8% to 640% just by holding your country FIAT, even without feeling it.


3: 99% of blockchain projects are used for gambling, adult pornography or illegal cases, they dont have any real life utility or daily usebility, not made for mass adoption, plus they use hardly understood technichal terms, blockhain is too complicated for average person/investor which holding mass adoption back, project purpose is not clear or its very complicated to understand and not clear what problem it will solve, because of that most of the cryptocurrency investores lose money or simply teams do not deliver  becasue of the complicity of the projec.


The Solution: 


New token that looks from investors prospective and mass adoption by its publicly shared decentralised revenue, Token that reward its users with 1% on every transaction each day automatically.


Reversed inflation. Limited tokens quantity, we cannot print unlimitly like FIAT, by simply holding High Roi Token users get 1% on each transaction divided by token holders, based on that  your wallet holdings will increase on daily basis.


How High-Roi token will do it:


1: On each transaction there will be 1% fee from which 0.75% goes to users divided by how many there is users and 0.25%  to marketing and development. If we will reach one billion daily transactions that's $10m in profits to High Token users each day! in total very high yearly ROI.


2: 0.25% from the transaction fee, will be used for marketing and development to creat real DEMAND, therefore there will be always new users which means new profits


3: HROI will sign agreements with POS systems, so you will be able to use HROI WORLDWIDE.


4: It will be very easy to use HROI token, simply download HROI wallet on your devise and start earning and spending at the same time.


Token Characteristics:


  • HROI token is a utility token ERC20 after mainnet it will be moved to patend blockhain any other blockchain projects that will use our patend blockchain will have to pay loyalties which will be also shared as profits to HROI users.

  • HROI Token may be found listed in on one or more established exchanges compliant

    with local regulations.

  • Q1 2020 initial Circulation supply is 10% only to be used for further development, listings and marketing
  • Pre IEO hardcap 1 million USD, IEO 3 million USD
  • There will be a maximum supply of HROI tokens, that shall be created in a token generation event, and beyond this event no new tokens will be created.

  • There will be NO burning of HROI tokens before mainnet.

  • Number of Tokens in circulation is 10,000,000,000 High-Roi (10%) which started at 0.00008$ per token.

  • Each quarter 5% supply is released 
  • Total Supply 1000,000,000,000 High-Roi Tokens


Wallet-to-Wallet Transaction Sequence:


HROI can facilitate compliant, reliable, safe, high-speed transfers between individuals without requiring private business development negotiations or using private networks. Private key should be kept secret If you forget your wallet keys, you would lose access to all your HROI.


Roadmap:


- Q1 2020 Marketing, Airdrops, Rewards, Social media, Advertising and Referral programs

- Q2 2020 Business development, new partnerships

- Q3 2020 IEO, expansion into Europian and American markets

- Q4 2020 Tesnet

- Q1 2021 Adding Retail Marketplaces to to the ecosystem to increase demand. 

- Q2 2021 Mainnet Release, Migration from Ethereum to patented blockchain.


What is Blockchain?


Blockchain is a method of storing information in the form of a chain of blocks. Each subsequent block references the previous one, so that the removal of the intermediate link invalidates the entire chain. Blockchain technology is used in modern solutions of distributed networks, when information is written to the chain by many participants, none of which can change the previously recorded data. This approach allows you to create reliable and transparent records of alltransactions made on the network at the technological level.


Legal Disclaimer:


This whitepaper has been prepared by "HROI Token" for the purposes of providing information on its projected business model and use case for its utility token ("HROI"). This Whitepaper is provided for informational purposes only. The information contained in this Whitepaper is confidential and proprietary to the Company and is being submitted to you solely for your confidential use for evaluation purposes only, with the express understanding that without the prior written consent of the Company, you will not release the Whitepaper or discuss the information contained herein, or make reproductions of, or use this Whitepaper for any purpose other than evaluating a potential business relationship with the Company. Furthermore, by accepting delivery of this Whitepaper, you agree to promptly return to the Company, and destroy all copies in your possession, this Whitepaper and any other documents or information furnished by or on behalf of the Company, if you elect not to enter into a business relationship with the Company. A purchase of HROI tokens involves certain risks, especially the risk factors relating to any purchase of tokens. For greater certainty, this Whitepaper reflects information on the proposed business of HROI and is expressly not an offering of a financial investment. Any and all information contained in this Whitepaper may be updated, modified or amended at any time by HROI; as such, its completeness and factual accuracy is not guaranteed, and this information may change from time to time without notice. HROI does not undertake, and is not obligated to, provide readers with notice of any changes to the information herein. While HROI has endeavored to ensure that the information contained in this Whitepaper is accurate as at the time of publication, neither HROI , nor any of its officers, directors, employees, advisors, partners, or agents (the "HROI Representatives") make any representation or warranty, express or implied, or accept or will accept any responsibility or liability in relation to the accuracy or completeness of the information contained in this Whitepaper or any other written or oral information made available to any party. For greater certainty, HROI and the HROI Representatives expressly disclaim any and all responsibility for any direct or consequential loss or damage of any kind whatsoever arising directly or indirectly from:

  1. (i)  Reliance on any information contained in this Whitepaper;

  2. (ii)  Any error, omission or inaccuracy in any such information; or

  3. (iii)  Any action resulting from such information.

No representation or warranty is given as to the achievement or reasonableness of any future projections, estimates, prospects or returns contained in this Whitepaper. Readers should not construe the content of this Whitepaper, or any other communications by or on behalf of HROI or any of its advisors as financial, legal, tax or other advice. Accordingly, each reader of this Whitepaper should consult their own professional advisors as to financial, legal, tax and other matters concerning any potential participation in connection with the subject matter herein. Images used herein are for illustrative purposes only and are subject to all relevant international copyright and trademark laws and restrictions. Accordingly, this Whitepaper or any of its images, copy and material may not be reproduced without the prior, express written approval of HROI. Except for statements of historical fact, certain information contained herein constitutes Forward-Looking Statements which include, but are not limited to, statements related to activities, events or developments that HROI expects or anticipates will or may occur in the future, including the development and functionality of the HROI token, the HROI Platform and related services, to user adoption and experiences, context that may be offered on the HROI Platform, statements related to the Company’s business strategy, objectives and goals, and management’s assessment of future plans and operations which are based on current internal expectations, estimates, projections, assumptions and beliefs, which may prove to be incorrect. Forward-Looking Statements are often identified by the use of words such as "may", "will", "could", "would", "anticipate", "believe", "expect", "intend", "potential", "estimate", "budget", "scheduled", "plans", "planned", "forecasts", "goals” and similar expressions. Forward-Looking Statements are based on a number of factors and assumptions made by management and considered reasonable at the time such information was provided. Forward-Looking Statements involve known and unknown risks, uncertainties and other factors that may cause the

actual results, performance or achievements to be materially different from those expressed or implied by the Forward-Looking Statements.


AML (Anti-Money Laundering) Policy and KYC (Know your client) Procedures


  1. The anti-money laundering (AML) and counter terrorism funding policy of the Company is aimed at fulfilling the requirements of the rules and regulations that are internationally acceptable. The purpose is to ensure that our business is not used to facilitate money laundering and to comply with all applicable laws. The Company has zero-tolerance policy for money laundering activities.
  2. The Company takes AML very seriously and any deviance from our practices will result in immediate action. The Company reserve the right to refund, deny or withhold any deposit made against this policy, or is suspected according to the applicable law, to be AML related (such as transfer to or from a suspected jurisdiction etc.).


    KYC - identification and verification of new customers, deposits, transfers and withdrawals


    1. In order to open up an account with The Company, the client must submit the following:
      • Surname
      • First Name,
      • National I/D or Passport Number,
      • Address,
      • E-mail,
      • Telephone
    2. The client must also send a copy of his/hers National I/D. The National I/D should contain the following (all or some, according to the Company's discretion:
      • A photo of the holder,
      • The national I/D number,
      • He holders full name,
      • The holder's father's first name,
      • The holder’s mother's first name,
      • The holder’s nationality and place of birth,
      • The holder's date of birth,
      • The holder's place of birth,
      • The holder's sex,
      • The holder's address,
      • The holder’s marital status,
      • The holder's spouses details such as their National I/D number.
    3. Further details and checks are performed upon a Customer depositing Funds. All accounts opened must be in the same name as the funder of the account. No third party funding will be accepted by The Company.
    4. Verification against Credit Card slips or details supplied by The Company's Credit Card handlers and/or verification against bank transfers from clients after a transfer and/or verification against actual cheques will be cross checked against details already supplied by the customer. Only upon verification will the account be opened. Any discrepancy will not be tolerated and funds will be returned to sender in the same way that they were sent.
    5. Credit Card deposits will be subject to our credit card clearing Company's fraud and anti-money laundering procedures.
    6. All client withdrawals will be only be permitted to exactly the same account and exactly the same name from which original customer funds were received. There will be no third party transfers.
    7. The funds will also be transferred in exactly the same way of the original funding of the account. For instance withdrawals requested by a customer that transferred his original deposit via Credit Card will receive his funds as a refund from his credit card, up to the maximum of his deposit.
    8. Repeat credit card depositors or client depositing over $5,000 in total deposits will require further inspections.
    9. Withdrawals will only take place after written and signed requests and copies identifying the bank account as the clients and corresponding to previously received documentation.
    10. The Company will at its own discretion ask for further proof of identification should for any reason the Company employee's suspicions arise.
    11. Suspicious activity such as the method of deposit, suspicious circumstances such number of transfers will be monitored.
    12. Verification will be performed at the account opening or within a reasonable time after opening of the account. The methods will include document and non document methods.
    13. In circumstances where The Company cannot form a reasonable belief on the customer's identity the account will not be opened. The Company customer account system does not allow for account opening unless verification has been done as per company policy.
    14. Records will be maintained for 5 years of all identifying documents obtained from a customer – either a copy or a description of the document used to verify identification. Also any document which resolves any discrepancy discovered recording the identity will be kept.
    15. Detecting and reporting suspicious activity.
    16. Regarding high risk accounts appropriate extra due diligence procedures will be taken i.e. further documents, phone calls or meeting face to face with clients, bank references and certification of certain documents.
    17. When deemed necessary we will perform additional monitoring of specific account activities.
    18. We maintain systems and procedures to detect and require reporting of suspicious activity.


    We are still at development stage so some chnages may accure to increase our token devlopment and growth