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.
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
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.
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 $10m in profits to High Token users each day! in total very high yearly ROI.
2: 0.25% from the transaction fee, will be used for marketing and development to creat real DEMAND, therefore there will be always new users which means new profits
3: HROI will sign agreements with POS systems, so you will be able to use HROI WORLDWIDE.
4: It will be very easy to use HROI token, simply download HROI wallet on your devise and start earning and spending at the same time.
HROI token is a utility token ERC20 after mainnet it will be moved to patend blockhain any other blockchain projects that will use our patend blockchain will have to pay loyalties which will be also shared as profits to HROI users.
HROI Token may be found listed in on one or more established exchanges compliant
with local regulations.
There will be a maximum supply of HROI tokens, that shall be created in a token generation event, and beyond this event no new tokens will be created.
There will be NO burning of HROI tokens before mainnet.
Number of Tokens in circulation is 10,000,000,000 High-Roi (10%) which started at 0.00008$ per token.
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.
- 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.
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:
(i) Reliance on any information contained in this Whitepaper;
(ii) Any error, omission or inaccuracy in any such information; or
(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
KYC - identification and verification of new customers, deposits, transfers and withdrawals
We are still at development stage so some chnages may accure to increase our token devlopment and growth