T H E G L O B A L H U M A N V A L U E L E D G E R # O W N Y O U R D A T A

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Barrie Stokes
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S E P T E M B E R 2 0 1 8 T H E G L O B A L H U M A N V A L U E L E D G E R DIRECTED ACYCLIC GRAPH BLOCKCHAIN POWERING DATA OWNERSHIP AND MANAGEMENT # O W N

1 S E P T E M B E R T H E G L O B A L H U M A N V A L U E L E D G E R DIRECTED ACYCLIC GRAPH BLOCKCHAIN POWERING DATA OWNERSHIP AND MANAGEMENT # O W N Y O U R D A T A I N F O R M A T I O N M E M O R A N D U M IOVO LEDGER GMBH, CH INCORPOR ATED IN ZUG, SWITZERL AND GRAFENAUSTR ASSE 15, 6300 ZUG

D I S C L A I M E R This pitch deck may not be distributed in or transmitted to the United States or

This presentation does not constitute an offer to sell or the solicitation of an offer to buy any

ates or IOVO tokens have not been registered with the U.S.

2 D I S C L A I M E R This pitch deck may not be distributed in or transmitted to the United States or to U.S. persons. This presentation does not constitute an offer to sell or the solicitation of an offer to buy any IOVO tokens in the United States or to U.S. persons. IOVO tokens have not been registered with the U.S. Securities and Exchange Commission or under any state securities laws and may not be acquired, offered, sold or traded in the United States or by U.S. persons in the absence of registration under applicable U.S. federal and state laws or in reliance upon an applicable exemption. 2

3 C A P I T A L I S M L I M I T S V A L U E T O T H E M E A S U R E O F M O N E Y H U M A N V A L U E I S M U C H M O R E T H A N T H A T 3

4 I O V O O V E R V I E W We generate data every moment of every day. Used responsibly, this data can improve all our lives powering research, innovation, and giving us access to targeted products and services. But today s systems consistently exploit and undervalue our data. IOVO is a decentralized ledger dedicated to promoting data empowerment and limiting data abuse. Users choose precisely which data they want to share, and receive benefits and rewards based on the value their data generates. Internet of Value Omniledger (IOVO) is a next-generation blockchain (DAG) dedicated to personal data ownership and management. IOVO solves the scalability, speed and security problems of first-generation blockchains like Bitcoin and Ethereum. IOVO s unique proof of value (PoV) consensus mechanism allows IOVO to scale stably, dynamically and securely while eliminating the resource issues which plague proof-of-work based systems. Above all, IOVO respects and promotes the human value of the data we produce every day. 4

5 I F C O M P A N I E S A R E G O I N G T O M O N E T I Z E O U R D A T A, W E S H O U L D G E T A S H A R E 5

T H E D A T A M A R K E T I S B O O M I N G P W C E S T I M A T E S T H E F I N A N C I A L D A T A M A R K E T A L O N E W I L L B E W O R T H 3 0 0 B I L L I O N U S D I N 2 0 1 8 And despite the

6 T H E D A T A M A R K E T I S B O O M I N G P W C E S T I M A T E S T H E F I N A N C I A L D A T A M A R K E T A L O N E W I L L B E W O R T H B I L L I O N U S D I N And despite the introduction of strict new regulations like the GDPR, the European data market is set for explosive growth B B B B B Source: IDC s European Data Market report for the European Commision. Historical figures and 2020 estimate include the UK market. 6

G L O B A L D A T A T R E N D S And there s still enormous room to grow. Tech and social media adoption are increasing year on year, and data analysis ser vices are not keeping pace.

Taken as a whole, data industries are soon set to become a trillion dollar market.

7 G L O B A L D A T A T R E N D S And there s still enormous room to grow. Tech and social media adoption are increasing year on year, and data analysis ser vices are not keeping pace. According to McKinsey, only 1% of gathered data is currently being analyzed. They estimate the market for big data analysis will reach 187 billion USD by 2019, with most data still not analyzed. Taken as a whole, data industries are soon set to become a trillion dollar market. G L O B A L D A T A M A R K E T G R O W T H R E V E N U E F O R E C A S T U S E R T R E N D S : Facebook 201 7: 2,234 BN users 40,03 BN USD data income Google 2017: More than 2 BN users 109 BN USD data income Source: 7

0 0 0 0 U S E R NAME: JOAN DAVE AGE: 25 INTERESTS: BEAUTY, MUSIC, WEAR B U T T

8 U S E R NAME: JOAN DAVE AGE: 25 INTERESTS: BEAUTY, MUSIC, WEAR B U T T H I S G R O W T H M O D E L I S B R O K E N D A T A C E N T E R B N INTERMEDIARIES A. I. A D V E R T I S I N G B N B N SEARCH QUERIES: INSTAGR AM.COM FACEBOOK.COM AMAZON.COM INTERMEDIARIES R E S E A R C H & D E V B N 1 TRILLION R E S O U R C E S O U R C E I T I G N O R E S T H E H U M A N V A L U E O F D A T A, A N D T H E P R O B L E M S A R E S T A R T I N G T O S H O W 8

G L O B A L D A T A T R E N D S C O N S U M E R S A R E T A K I N G S T E P S T O A D D R E S S D A T A P R I V A C Y C O N C E R N S G L O B A L A T T I T U D E S T O W A R D S D A T A S H A R I N G

securely or fairly. Consumers are growing wary, and rightly so.

increasingly concerned about protecting their data but still more are happy to share their data in exchange for fair benefits.

9 G L O B A L D A T A T R E N D S C O N S U M E R S A R E T A K I N G S T E P S T O A D D R E S S D A T A P R I V A C Y C O N C E R N S G L O B A L A T T I T U D E S T O W A R D S D A T A S H A R I N G V A R Y W I D E L Y Today s data storage, transmission and analysis solutions all rely on central authorities, who time and again have shown they cannot be trusted to handle user data responsibly, securely or fairly. Consumers are growing wary, and rightly so. Deleted / Avoided Certain Apps 64% C H I N A M E X I C O R U S S I A I TA LY G L O BA L B R A Z I L U S A S O U T H K O R E A 2 0 % 3 0 % 2 9 % 2 8 % 2 7 % 2 6 % 2 5 % 3 8 % Many users are increasingly concerned about protecting their data but still more are happy to share their data in exchange for fair benefits. Adjusted Mobile Privacy Settings Disabled Cookies Didn t Visit / Vlosed Certain Websites 28% 27% 47% A U S T R A L I A U K S PA I N F R A N C E C A N A DA 1 7 % 1 6 % 1 6 % 1 5 % 1 4 % For example, almost 40% of Chinese internet users are willing to share personal data. Closely Read Privacy Agreements 26% G E R M A N Y 1 3 % Did Not Buy Certain Product 9% N E T H E R L A N D S J A PA N 8 % 1 3 % 0 % 2 5 % 5 0 % 7 5 % 0 % 1 0 % 2 0 % 3 0 % 4 0 % WE NEED A NEW APPROACH, ONE WHICH REWARDS USERS FAIRLY AND RESPECTS THEIR PRIVACY WITHOUT ADVERSELY LIMITING OUR ABILITY TO GATHER AND ANALYSE DATA. Source: 9

They promise to take control from central authorities and give it to users but the reality hasn t matched

10 B L O C K C H A I N S O L U T I O N S / P R O B L E M S????? x T H E O R Y R E A L I T Y?! Many blockchain and cryptocurrency projects see decentralization as the solution. They promise to take control from central authorities and give it to users but the reality hasn t matched the dream. Standard blockchains are slow, don t scale, consume enormous amounts of resources, and are subject to their own centralization problems. 1 0

11 T H E F I R S T G L O B A L H U M A N V A L U E N E T W O R K 1 1

I O V O A S A N E T W O R K V E R S I O N 1 U S

data network will connect data providers and

S P E C I F I C U S E R R E Q U E S T A S S O C

returns control over data and its monetization

Users decide precisely what data to share and

V E R S I O N 2 C R I T E R I A - B A S E D Q U

who shared their data and the nodes maintaining

R A N K I N G Q U E R Y S AT I S F Y I N G C R I

S A C T I O N A S S O C I AT E D T R A N S A C T

I O N U S E R W H O M E E T S C R I T E R I A

users or search for users that meet a particular

This vastly improves response rates to targeted

N C O M P E N S A T I O N U S E R W H O M E E T

12 I O V O A S A N E T W O R K V E R S I O N 1 U S E R - B A S E D Q U E R Y The IOVO decentralized data network will connect data providers and data consumers across the globe. S P E C I F I C U S E R R E Q U E S T A S S O C I AT E D T R A N S A C T I O N U S E R IOVO returns control over data and its monetization to users. Users decide precisely what data to share and what it is worth. V E R S I O N 2 C R I T E R I A - B A S E D Q U E R Y Users and companies spend IOVO tokens to search the data on the network. These tokens are distributed between the users who shared their data and the nodes maintaining the system. R A N K I N G Q U E R Y S AT I S F Y I N G C R I T E R I A R A N K I N G Q U E R Y S AT I S F Y I N G C R I T E R I A A S S O C I AT E D T R A N S A C T I O N A S S O C I AT E D T R A N S A C T I O N C O M P E N S A T I O N C O M P E N S A T I O N U S E R W H O M E E T S C R I T E R I A Companies can send IOVO queries about particular users or search for users that meet a particular set of criteria. This vastly improves response rates to targeted ads and services, because all users have willingly participated. R A N K I N G Q U E R Y S AT I S F Y I N G C R I T E R I A A S S O C I AT E D T R A N S A C T I O N C O M P E N S A T I O N U S E R W H O M E E T S C R I T E R I A R A N K I N G Q U E R Y S AT I S F Y I N G C R I T E R I A A S S O C I AT E D T R A N S A C T I O N C O M P E N S A T I O N U S E R W H O M E E T S C R I T E R I A 1 2

I O V O F U N C T I O N A L I T I E S U N P R E C E D E N T E D U S E R D A T A

users to benefit from collecting, storing and sharing their personal value IOVO

ensure only essential data is shared IOVO is a DAG rather than a standard

unique proof of value consensus mechanism allows the network to dynamically

T A L L O W S A C C E S S T O H I S D A T A I O V O N E T W O R K Z E R O - K N

A T A U S E R ENCRYPTED DATA IS SENT TOGETHER WITH A ZERO-KWLEDGE PROOF - A FULL

13 I O V O F U N C T I O N A L I T I E S U N P R E C E D E N T E D U S E R D A T A P R O T E C T I O N IOVO is the first decentralized network-database that allows users to benefit from collecting, storing and sharing their personal value IOVO provides unprecedented user data protection, using zero-knowledge proofs to ensure only essential data is shared IOVO is a DAG rather than a standard blockchain, allowing it to operate as fast as even centralized solutions IOVO s unique proof of value consensus mechanism allows the network to dynamically scale as more users join and share their data C O M P A N Y D A T A R E Q U E S T A L L O W S A C C E S S T O H I S D A T A I O V O N E T W O R K Z E R O - K N O W L E D G E P R O O F N E T W O R K S E A R C H WA L L E T E N C R Y P T E D D A T A U S E R ENCRYPTED DATA IS SENT TOGETHER WITH A ZERO-KWLEDGE PROOF - A FULL GUARANTEE THAT THE DATA IS CORRECT, PRECISE AND OTHER INFORMATION ABOUT THE USER IS LEAKED. 1 3

14 I O V O : T H E L A R G E S T D E C E N T R A L I Z E D D A T A B A S E, C O V E R I N G E V E R Y F I E L D IOVO IS AN OMNILEDGER, A LEDGER OF LEDGERS THAT LETS USERS SHARE EVERY KIND OF DATA, EITHER DIRECTLY OR VIA DECENTR ALIZED APPS (DAPPS). d A P P S I O V O N E T W O R K M E D I C A L R E T A I L D AT A D AT A D AT A Q U E R Y S O C I A L E D U C AT I O N D AT A D AT A D A T A A N A L Y S I S R E S E A R C H T R AV E L D AT A F I N A N C E D AT A D AT A R E C E P T I O N F R O M A L L A P P S USERS AND COMPANIES CAN PAY IOVO TOKENS TO SEARCH THE ENTIRE IOVO DATA NETWORK. 1 4

IOVO BENEFITS ALL PARTIES I N V O LV E D I N T H E DATA F L O W DATA P R O V I D E R S PUBLISH DATA FOR SHARING SELL DATA WITHOUT EXPOSING IT SELL DIRECT OR VIA A MARKETPLACE CONTROL WHO SEES OR BUYS

15 IOVO BENEFITS ALL PARTIES I N V O LV E D I N T H E DATA F L O W DATA P R O V I D E R S PUBLISH DATA FOR SHARING SELL DATA WITHOUT EXPOSING IT SELL DIRECT OR VIA A MARKETPLACE CONTROL WHO SEES OR BUYS YOUR DATA SEE WHO HAS ACCESSED YOUR DATA DATA C O N S U M E R S FIND THE DATA YOU NEED, FROM ANYWHERE ACCESS DATA FROM EVERY FIELD FREE PUBLIC DATA AND TRANSPARENT PRICING ON DATA FOR PURCHASE CHECK DATA SAMPLE TO ENSURE QUALITY USE ADVANCED DATA TRACKING AND ANALYSIS TOOLS APPLY AI AND ML MODELS WITHOUT ACCESSING THE DATA DIRECTLY 15

16 H O W I T W O R K S V A L I D A T I O N C O M P A N Y D AT A R E Q U E S T R E Q U E S T I S B R O A D C A S T E D T O D A G N E T W O R K N E T W O R K T O K E N N E T W O R K O F N O D E S VA L I D AT E S T R A N S A C T I O N R E Q U E S T T R A N S F E R C O M P L E T E TX TX TX TX TX TX TX TX TX TX TX TX S M A R T C O N T R A C T N E T W O R K T O K E N B L O C K C R E AT E D N E T W O R K S E A R C H S H A R D U S E R D AT A S U P P L I E R S S H A R D S H A R D d A P P d A P P d A P P d A P P d A P P d A P P d A P P d A P P 1 6

17 L E A D I N G T H E C O M P E T I T I O N O N T H E F U T U R E G L O B A L D A T A D E M O C R A C Y M A R K E T 1 7

I O V O V S O T H E R D A T A P R O J E C T S SENSITIVE DATA YES YES YES (ML TRAINING DATA) (user data) (all kinds of data) (sensitive user data) DATA PROTECTION NE YES YES HIGH (AES encryption)

18 I O V O V S O T H E R D A T A P R O J E C T S SENSITIVE DATA YES YES YES (ML TRAINING DATA) (user data) (all kinds of data) (sensitive user data) DATA PROTECTION NE YES YES HIGH (AES encryption) (post-quantum encryption) QUANTUM ATTACKS RESILIENCE YES DECENTRALIZED LEDGER YES YES OWN BLOCKCHAIN YES DAG TECHLOGY YES SCALABILITY LIMITED LIMITED YES YES STORAGE CENTRALIZED, EXTERNAL CENTRALIZED DECENTRALIZED DECENTRALIZED (S3 Amazon, Filecoin) DATA ANALYSIS YES DAPPS YES YES USER-CREATED SMART CONTRACTS YES APPLICATION VARIETY YES YES YES 1 8

I N G S C A L I N G I S S U E S 3 5 0. 0 0 0 + 300.000 100.000 10.000 7.000 1.000 258 15 3-5 0 5 0.0 0 0 1 0 0.0 0 0 1 5 0.

19 I O V O D A G H A S T H E F A S T E S T T R A N S A C T I O N T E C H N O L O G Y A V A I L A B L E O N T H E M A R K E T T O D A Y I O V O P R O V I D E S U N P R E C E D E N T E D S E C U R I T Y A N D T R A N S A C T I O N Q U A L I T Y, W H I L E M I T I G A T I N G S C A L I N G I S S U E S T R A N S A C T I O N E F F I C I E N C Y C O M P A R I S O N TRANSACTIONS PER SECOND 1 9

20 N E X T - G E N E R A T I O N B L O C K C H A I N 2 0

21 I O V O D A G (Next Generation Blockchain) T H E F I R S T C O M P L E T E S O L U T I O N F O R A L L D A T A - R E L A T E D P R O C E S S E S B L O C K P U B L I C AT I O N I N I O V O N E T W O R K K + d A P P d A P P D A T A D A T A T X T X T X T X T X T X T X T X Users and companies decide exactly which data they want to share to the IOVO network. The IOVO nodes disseminate this information securely throughout the network, allowing it to operate as fast as centralized cloud-based solutions. d A P P D A T A T X T X T X T X x S H A R D S S H A R D S H A R D S H A R D M O R E T H A N K T R A N S A C T I O N S P E R S E C O N D IOVO's multi-blockchain DAG provides the flexibility, efficiency, and scalability of a DAG, while retaining the security and reliability of blockchain. 2 1

I O V O D A G (Next Generation Blockchain) 2 5 6

A S T S H A R D <1s B L O C K B S Y N C H R O N I

22 I O V O D A G (Next Generation Blockchain) S H A R D S B L O C K A M O R E T H A N K T P S U N P R E C E D E N T E D T R A N S A C T I O N S P E E D B E T W E E N T H E F I R S T A N D L A S T S H A R D <1s B L O C K B S Y N C H R O N I Z A T I O N T I M E B E T W E E N S H A R D S 2 2

23 L AY E R S I O VO D E C E N T R A L I S E D A P P L I C AT I O N S I N F R A S T R U C T U R E (dapps) IOVO SMART CONTRACTS E C O S Y S T E M (high-level API) IOVO VIRTUAL MACHINE E N V I R O N M E N T (IVM - IOVO Virtual Machine) HOMOMORPHIC ENCRYPTION IOVO TRANSACTION PROCESSING CIRCUIT I N T E R P L A NE TA RY F I L E SYST E M ( I P F S ) I O V O D ATA VA L U E C H A I N N E T W O R K 23

24 P R O O F O F V A L U E T H E F U T U R E O F C O N S E N S U S I S H U M A N 2 48

P R O O F O F V A L U E (Next Generation Consensus Mechanism) T H E P R O O F O F V A L U E C O N S E N S U S First generation consensus mechanisms face numerous issues Proof of Work: Expensive,

Nodes are rewarded based on BOTH their stake and the value they provide to the whole network (speed, accuracy, consistency, etc.

25 P R O O F O F V A L U E (Next Generation Consensus Mechanism) T H E P R O O F O F V A L U E C O N S E N S U S First generation consensus mechanisms face numerous issues Proof of Work: Expensive, wasteful, prone to centralization of resources Proof of Stake: Slow, prone to centralization of authority and wealth IOVO s proof of value consensus evolves the proof of stake system. Nodes are rewarded based on BOTH their stake and the value they provide to the whole network (speed, accuracy, consistency, etc.) The ratio between these values is adjusted dynamically, allowing the IOVO network to scale stably. IOVO extends the concept of proof of stake to create a novel approach called proof of value B k - 1 : T X B k : T X B k + 1 : T X T X T X T X V E R I F Y V E R I F Y V E R I F Y V A L I D A T O R 1 V A L I D A T O R 2 expected gain = expected gain = stake = s 1 stake = s 2 expected gain = value = v 1 value = v 2 F E E S V A L I D A T O R 3 stake = s 3 value = v 3 fees k 2 5

P R O O F O F V A L U E I N A C T I O N 1.

I O V O S P R O O F O F V A L U E R E W A R D S U S E R S W H O P R O V I D E R E A L H

010SPAM10101010101010101 0101010101010101010101010 010101010101010101SPAM01 U S E R 2.

0101010101010101010101010010101010101010101SPAM01

010101010101010101SPAM010101010101010101010101010 U S E E X I S T I N G S C O R I N G

26 P R O O F O F V A L U E I N A C T I O N 1. I O V O R E W A R D S D A T A S H A R I N G 4. I O V O S P R O O F O F V A L U E R E W A R D S U S E R S W H O P R O V I D E R E A L H U M A N V A L U E U S E R DATA B U T N O T A L L D A T A I S E Q U A L 010SPAM SPAM01 U S E R 2. I O V O S C O R I N G S L E T U S E R S F I N D T H E D A T A T H E Y N E E D A N D R A N K I T 3. O V E R T I M E, T H E N E T W O R K I D E N T I F I E S V A L U A B L E D A T A U S E R dapps RESEARCHER LIKE COMPLEX RANKING 010SPAM SPAM SPAM SPAM SPAM SPAM SPAM SPAM SPAM SPAM SPAM SPAM SPAM SPAM SPAM SPAM SPAM SPAM U S E E X I S T I N G S C O R I N G S, O R M A K E Y O U R O W N A N D S C O R I N G S T H E M S E L V E S A R E R A N K E D T O O 2 86

27 I O V O d A P P S 2 7

E X A M P L E S O F I O V O A P P L I C A T I O N S I O V O A N A L Y T I C S IOVO ANALYTICS provides a

As well as managing search inputs and results, IOVO ANALYTICS automatically handles IOVO fees, allowing

BASIC FEATURES: network search data acquisition data exchange data export pattern analysis multi-level

28 E X A M P L E S O F I O V O A P P L I C A T I O N S I O V O A N A L Y T I C S IOVO ANALYTICS provides a clear and intuitive overlay application for searching the entire IOVO network. As well as managing search inputs and results, IOVO ANALYTICS automatically handles IOVO fees, allowing users to easily monetize their shared data. BASIC FEATURES: network search data acquisition data exchange data export pattern analysis multi-level data analysis user communication fee and wallet management ADVANCED FEATURES: IOVO analytics is open and infinitely extendible, giving advanced users unlimited research and inference potential. 2 8

E X A M P L E S O F I O V O A P P L I C A T I O N S Influnomy seamlessly provides users with

Vouchers can be used for discounts or traded on the blockchain-powered marketplace.

It manages the leasing terms and also serves as a small-scale social network.

User and property data are protected by the IOVO network.

Users publish photos or video coverage of events such as festivals, accidents, or other breaking

The data is linked to a location and secured by the IOVO network.

29 E X A M P L E S O F I O V O A P P L I C A T I O N S Influnomy seamlessly provides users with vouchers when they provide social media content and data requested by brands or services. Vouchers can be used for discounts or traded on the blockchain-powered marketplace. Flatty connects roommates latty who want to share a home via their shared preferences. It manages the leasing terms and also serves as a small-scale social network. Flatty uses tokens to settle bill payments among roommates. User and property data are protected by the IOVO network. Dropp news is a glocalization app that lets users link information to particular locations. Users publish photos or video coverage of events such as festivals, accidents, or other breaking news to create a social timeline of a place. The data is linked to a location and secured by the IOVO network. Other users can access these sources using tokens. IOVObanks is an innovative banking system to help users manage their spending and investments. AI-assisted computation based on IOVO scorings provides users with leads for services, such as purchasing a home or leasing a car. Transactions are carried out using tokens. 2 9

30 I O V O T O K E N 32 08

IOVO s unique proof of value algorithm dynamically distributes tokens based on users contributions to the network, IOVO stake, and the total amount of data being curated, keeping the economy liquid.

31 I O V O T O K E N F U N C T I O N A L I T Y A N D E C O N O M Y The IOVO token creates a whole data economy within the IOVO network. Users earn tokens by compiling and curating data blocks and adding them to the network. IOVO s unique proof of value algorithm dynamically distributes tokens based on users contributions to the network, IOVO stake, and the total amount of data being curated, keeping the economy liquid. Companies pay IOVO tokens to search the IOVO network, with rewards paid to the users who shared their data and the nodes which support the DAG. U S A G E T O K E N U T I L I T Y T O K E N W O R K T O K E N Allows users to access and contribute to the IOVO network A C C E S S C O N T R I B U T I O N I N C E N T I V E S Gives consensual access to the IOVO network-database and search functionalities IN ADDITION TO THE STANDARD IOVO TOKEN, IOVO ALLOWS USERS TO CREATE THEIR OWN TOKEN ON TOP OF IOVO. THESE TOKENS CAN BE USED TO POWER DEVELOPERS OWN DAPPS AND SERVICES. 3 1

T O K E N M E T R I C S & D I S T R I B U T I O N % O F T O K E N

50% P R I C E 0,12 0,06 VA L U E 18,000,000 T O K E N A L L O C A

allocated in accordance with the following structure: F U N D S A

allocated in accordance with the following structure: 20% 10% 30%

A M & A D V I S O R Y P U B L I C S A L E R E S E R V E 50% 15%

M A D M I N I S T R AT I V E I O V O F O U N D AT I O N B U S I N

behind the token distribution is fairness.

32 T O K E N M E T R I C S & D I S T R I B U T I O N % O F T O K E N S N U M B E R O F T O K E N S D I S C O U N T 3 0 % 300,000,000 50% P R I C E 0,12 0,06 VA L U E 18,000,000 T O K E N A L L O C A T I O N S T R U C T U R E The 1,000,000,000 IOVO tokens will be allocated in accordance with the following structure: F U N D S A L L O C A T I O N S T R U C T U R E The collected funds will be allocated in accordance with the following structure: 20% 10% 30% 20% 10% 10% S M A R T D R O P L O C K E D P R I VAT E S A L E T E A M & A D V I S O R Y P U B L I C S A L E R E S E R V E 50% 15% 10% 5% 5% 10% D E V E L O P M E N T P R & M A R K E T I N G T E A M A D M I N I S T R AT I V E I O V O F O U N D AT I O N B U S I N E S S D E V E L O P M E N T 5% L E G A L The guiding principle behind the token distribution is fairness. To ensure system stability, there cannot be a wide price differential between buyers at different stages. 3 2

33 I O V O A S A B U S I N E S S 3 3

I O V O A S A B U S I N E S S I O V O F O U N D AT I O N Community

companies Incubating external IOVO projects IOVO protocol development

development framework P A R T N E R S H I P S Cooperation with large

L E G A L J U R I S D I C T I O N : S W I T Z E R L A N D T E A M S I Z E

34 I O V O A S A B U S I N E S S I O V O F O U N D AT I O N Community building Promoting data ethics Raising awareness Certifying ethical data companies Incubating external IOVO projects IOVO protocol development IOVO infrastucture development In-house dapp development External development framework P A R T N E R S H I P S Cooperation with large global partners will increase the IOVO user base and allow the entire network to grow dynamically. I O V O S T AT S : H E A D Q U A R T E R S : Z U G, S W I T Z E R L A N D L E G A L J U R I S D I C T I O N : S W I T Z E R L A N D T E A M S I Z E : 2 6 B A N K I N G : U B P S A, S W I T Z E R L A N D L A W Y E R S : P E S T A L O Z Z I L A W C U R R E N T P A R T N E R S H I P S : 3 4

R E C U R R I N G R E V E N U E I M A G I N E A W O R L D W H E R E

T H E I R D A T A R E V E N U E S T R E A M S S E A R C H E S 1 0 M

E N E T W O R K S E A R C H I N Q U I R I E S I O V O N E T W O R K

O N E T W O R K I S P A I D C O M P A N Y U S E R U S E R S T R A N

E R S I O V O G E N E R A T E S R E V E N U E T H R O U G H A T R A

35 R E C U R R I N G R E V E N U E I M A G I N E A W O R L D W H E R E G O O G L E P A I D I T S U S E R S F O R E V E R Y S E A R C H O N T H E I R D A T A R E V E N U E S T R E A M S S E A R C H E S 1 0 M 1 M K K K K T R A N S A C T I O N V O L U M E N E T W O R K S E A R C H I N Q U I R I E S I O V O N E T W O R K B I G D AT A T R A N S F E R S E V E R Y S E A R C H O N T H E I O V O N E T W O R K I S P A I D C O M P A N Y U S E R U S E R S T R A N S A C T F R E E U S E R S E A R C H I N Q U I R I E S D A T A O W N E R S I O V O G E N E R A T E S R E V E N U E T H R O U G H A T R A N S A C T I O N C O M M I S S I O N, C U R R E N T L Y S E T A T 3 % 3 5

R O A D M A P WP 010101 01010101 010101 Feb.

Marketing strategy Token sale preparation q4 2018 IOVO Wallet Implementation q3 q4 2018 Alpha version of IOVO node q3 2018 Simple

manifest/ coin creation q2 2019 Proof of Value alpha testing q3 2019 Distributed filesystem q3 2019 dapp data assignment into IOVO

36 R O A D M A P WP Feb IOVO concept development q2 q Team building and research q q Documentation and whitepaper q q Marketing strategy Token sale preparation q IOVO Wallet Implementation q3 q Alpha version of IOVO node q Simple node implementation q Public token sale round q Private token sale round q Alpha version of IOVO DAG q dapp manifest/ coin creation q Proof of Value alpha testing q Distributed filesystem q dapp data assignment into IOVO blockchain q IOVO DAG launch / IOVO coin distribution to IOVO token holders q Integration of example applications q IOVO frameworks q Application integration frameworks q Data encr yption 3 6

A T E A M T H A T C A N S C A L E KRZYSZTOF GAGACKI JOSHUA HONG BRITTANY KAISER GOURISH SINGLA JAMES GLASSCOCK CO-FOUNDER HEAD OF INVESTMENTS PARTNER PARTNER PARTNER Krzysztof Gagacki is a

Krzysztof has since established himself as a significant figure in the crypto space, becoming a regular keynote speaker and actively investing, advising, and creating innovative and disruptive

Krzysztof is the co-founder of Chain Capital, the key organiser of Poland s largest crypto conference Connect Warsaw, and co-founder of the exclusive Crypto Sanctum roundtable.

After several successful exits, in 2014 he co-founded Exponential Partners, a venture investing firm that focuses on entrepreneurs while securing returns for investors.

Brittany Kaiser is a leader in developing and promoting cutting-edge technology, with a long career supporting companies, governments, and international organisations in adoption and integration. Ms.

37 A T E A M T H A T C A N S C A L E KRZYSZTOF GAGACKI JOSHUA HONG BRITTANY KAISER GOURISH SINGLA JAMES GLASSCOCK CO-FOUNDER HEAD OF INVESTMENTS PARTNER PARTNER PARTNER Krzysztof Gagacki is a businessman, entrepreneur and founder of Polish holding company G7Media, which he led to several seven-figure exits. Krzysztof has since established himself as a significant figure in the crypto space, becoming a regular keynote speaker and actively investing, advising, and creating innovative and disruptive blockchain-based companies. Krzysztof is the co-founder of Chain Capital, the key organiser of Poland s largest crypto conference Connect Warsaw, and co-founder of the exclusive Crypto Sanctum roundtable. Joshua Hong is a global pioneer in gaming, responsible for the free MMORPG boom and the freemium monetization technique that dominates many game markets. After several successful exits, in 2014 he co-founded Exponential Partners, a venture investing firm that focuses on entrepreneurs while securing returns for investors. Josh has a degree in Engineering from Purdue University, and an MBA from the University of Chicago Booth School of Business. Brittany Kaiser is a leader in developing and promoting cutting-edge technology, with a long career supporting companies, governments, and international organisations in adoption and integration. Ms. Kaiser is a co-founder of the Digital Asset Trade Association (DATA), which lobbies for blockchain-positive legislation. She is also a co-founder of Bueno Capital, where she drives design and growth of new blockchain projects. Gourish is an accomplished business leader, angel investor, and social entrepreneur, focusing on performance, growth, and innovation. In his last venture, Gouresh drove 30m+ revenue in a highly competitive marketplace. He has also founded three successful companies in the digital health space. Through Project Shivom, Gourish advocates for blockchain and distributed ledger technology that transform business and society. Glasscock is a builder that helps visionary CEOs manifest precision organization and results. He has been a crypto currency investor since 2013 and is the Co Founder of DNA.fund, a firm focused on investing in and launching blockchain ecosystems for enterprises and entrepreneurs. His career is rooted in scalable process, organization and business development execution, with a track record of standing up operations and dealmaking at scale and systematizing for sustainable growth. 3 7

38 I O V O C O R E T E A M ZBIGNIEW KOSTRZEWA ŁUKASZ MAJEWSKI ŁUKASZ MAZUREK MICHELE GUO TOMEK ODRZYGÓŻDŻ DAN JEFFRIES CO-FOUNDER CTO HEAD OF CRYPTOGRAPHY NEW BUSINESS DIRECTOR BLOCKCHAIN DEVELOPER ADVISOR DONGLIANG GAO NICOLETTE KAHEN MACIEK ŻAKOWSKI MAGDA MAKOWSKA BARTOSZ LACH KAMIL KIEŁCZEWSKI ADVISOR ADVISOR CREATIVE DIRECTOR HEAD OF COMMUNICATIONS BLOCKCHAIN DEVELOPER WALLET DEVELOPER MARISUZ MAC ROBERT RHODIN KRZYSZTOF KUWSKI REMIGIUSZ KWIATKOWSKI ADAM KOZŁOWSKI ŁUKASZ STANILEWICZ HEAD OF COMMUNITY BUSINESS DEVELOPER HEAD OF MOBILE BLOCKCHAIN DEVELOPER SOFTWARE ENGINEER DESIGN 3 8

39 T E A M E X P E R I E N C E 3 9

40 M E D I A A B O U T U S 4 0

41 J O I N T H E M O V E M E N T! W H I T E P A P E R F O R F U R T H E R T E C H N I C A L A N D A N A L Y T I C A L K N O W L E D G E A B O U T I O V O D A G P L E A S E R E A D T H E W H I T E P A P E R A V A I L A B L E A T : W W W. I O V O. I O TEAM@IOVO.IO IOVO The Internet of Value Omniledger Whitepaper v May 15, / 29 41

Whitepaper. All Currency, One Wallet!

Whitepaper. All Currency, One Wallet! Whitepaper BitStupm All Currency, One Wallet! All Currency, One Wallet! TABLE OF CONTENTS: BitStupm 1. WHAT IS CRYPTOCURRENCY? 2. HISTORY OF CRYPTOCURRENCY. 3. STRENGTH OF CRYPTOCURRENCY. 4. WHAT IS BITS?