Real Estate Platform BUY SELL RENT HOTEL BOOKINGS WHITEPAPER

Real Estate Platform BUY SELL RENT HOTEL BOOKINGS WHITEPAPER

INFRACOINS TABLE OF CONTENT 01 ABSTRACT 1 02 INTRODUCTION 2 03 WHY INFRACOINS? 3 04 WHAT IS INFRACOINS? 4 05 BLOCKCHAIN TECHNOLOGY 5 06 HOW INF WORKS 6 07 USE CASE 7 08 PROJECT ARCHITECTURE 11 09 TECH STACK 12 10 DISTRIBUTION & SUPPLY 13 11 TEAM 14 12 INITIAL COIN OFFERINGS (ICO) 15 13 ROADMAP 16 14 KYC & AML REQUIREMENT 17 15 EXCLUDED PERSON 18

1 ABSTRACT. The listing and travel industry is dominated by a handful of companies which, through market power and industry politics have created a highly concentrated market. They are able to charge superior margins, cause double marginalization, and in some cases simply collect subscription. Subscription collection and loftier margins blow up the cost of supply, with consumers eventually bearing the theatrically augmented cost. The consolidated nature of listing platforms create a situation where the intermediaries have no incentive to use new technologies instead they spent resources on locking their customers into using the current system. Current archaic technological solutions hinder innovation and create extremely high barriers to entry for new platforms. The blockchain space represents the future of hotel booking and property listing. InfraCoins aims to assist in enabling these services to reach the threshold of transition from fiat to crypto by developing a platform focused on the practical application of smart contracts and blockchain technology in hotel booking and property transactions. Built on the blockchain, it is a decentralized open source booking and listing system. With an integrated marketplace that enables hoteliers and property owners, to list their properties to buy/sell/rent, manage bookings and collect payments, this ecosystem is set to break the current norms.

2 INTRODUCTION. Crypto-currencies are still in childhood phase, and blockchain technology provides a world of possibilities for practical applications that extend far beyond the financial sector.,, VIRTUAL CURRENCIES MAY HOLD LONG- TERM PROMISE, PARTICULARLY IF THE INNOVATIONS PROMOTE A FASTER, MORE SECURE AND MORE EFFICIENT PAYMENT SYSTEM. - BEN BERNANKE InfraCoins embraces this technology to open a decentralized marketplace in the hotel booking and property sector. Harnessing existing technologies and concepts hotels and accommodation listings, online booking and purchasing, and by building the first integrated marketplace that uses the decentralized INF ledger, InfraCoins.com will challenge the market dominance of online hotel booking aggregators, property brokers, travel agents, and payment processors. InfraCoins provides a platform that charges low transaction fees, as it brings the consumer and producer together with no third party involved, thus providing direct benefit to both the parties. According to even those who embrace cryptocurrency culture, more than nine out of ten ICO based start-ups are likely to go to the wall. Expectations of success from the experts are less optimistic than even for regular start-ups. We believe that to a large extent, this is due to the misbalance between the complexity of the technical aspects of the projects and the actual business use of the services that users are not able to validate within a reasonable amount of time after the token sale. Waiting 2 years for a technology to be developed and then to begin thinking on how other businesses can adopt that technology seems to be a challenging concept. This is why our goal is to launch a decentralized engine in combination with a user-friendly marketplace which will be fully integrated to the engine as an immediate proof of concept.

3 WHY INFRACOINS? THE PROBLEM Technological evolution has led to the disruption of multiple sectors in recent years. Despite so many other industries having been successfully disrupted in recent years (retail, social media, transportation), the property listing space remains mired in tradition and lacks comparable innovation. The process of hotel booking and long-term rentals still results in frustration and lost time for both the customers and clients. There has not yet been technological disruption significant enough to usher in a new and better way to rent and book. Here at InfraCoins, we aim to change that. Global practices for hotel booking and rental process still include listings in the form of simple classified ads in print publications or on sites like bookings.com, Airbnb.com Craigslist, Zillow, Rightmove and Zoopla which provide limited information about a particular property for prospective tenants and essentially no support for actionable items, such as the application process, contract execution, collection, and maintenance requests. THE SOLUTION Today, InfraCoins offers users a fully operational, web-based hotel booking and long-term rental, listing platform. Our goal is to leverage blockchain technology to ensure a seamless hotel and rental booking experience which will allow the entire rental application, rental contracts, booking hotels process and listing to be completed quickly and online. It is still common practice to complete many tasks manually. This includes prospective landlords, accepting paper checks or cash, rent payments, releasing of deposits, calling hotels to confirm if the payment is received, booking is confirmed, etc. In addition, agents and brokers sometimes charge significant fees for minimal services, and landlords force tenants to freeze thousands of dollars in rental deposits. International renters face problems qualifying to rent overseas as their credit scores and credit histories are only valid in their country of citizenship or in the country in which they are legally qualified to work and live in at the moment. Using InfraCoins, property owners and travelers in countries across the globe will have the opportunity to enjoy a transparent and universally applicable platform for listing their properties for rental or commercial purpose. Also with our INF tokens customers will be able to book hotels anywhere in the world with low transaction/commission fee.

4 WHAT IS INFRACOINS? InfraCoins is a decentralized property listing ecosystem that will use blockchain technology to make the listing process less costly, more convenient and secure. InfraCoins technology reduces traditional frustrations, scam rates, time delays, and friction points in the hotel booking and rental process to benefit both customers and clients. Although the costs and characteristics of housing and hotels vary across the world, residents of many countries experience the same problems in the long-term rental and hotel accommodation space. InfraCoins mission is to offer a solution that will be equally efficient for residents across international borders. Blockchain & Smart Contracts One particularly important application of blockchain technology comes in the form of smart contracts. Smart contracts are self-fulfilling agreements between network members. Any information inserted into these contracts is automatically treated according to a previously agreed-upon protocol. Since this protocol is the sole arbiter of the transaction, the transaction can be carried out transparently, free of conflict, and without expensive and timeconsuming middlemen or other verification processes. Traditionally, legally enforceable agreements have required the intervention of expensive lawyers and notaries who draft and validate contracts. Also, capitalization of ventures or creation of investment pools (e.g. securitization and emission of shares), as well as the mere acquisition and trading of shares in any such investments, are subject to an elaborate, and oftentimes opaque, procedure with many parties involved. The costs and delays associated with these lengthy processes be- come even greater in cases where parties disagree about contractual obligations. With smart contracts, agreement stipulations and enforcement functionality are already built in. This functionality includes when, how, and where a given payment or return is to be made. In short, smart contracts do both: define the terms of the agreement and automatically enforce applicable obligations. Once deployed to the blockchain, a smart contract is given an immutable address, and the deployed contract cannot be altered. That makes smart contracts a direct, secure way of agreeing on the exchange of money, property, shares, or practically anything of quantifiable value. The Ethereum blockchain, used by InfraCoins, is especially dedicated to the development and application of smart contracts. Ethereum is an open blockchain that works as a decentralized computer, and as such, its source code is nonproprietary and visible to all. Although Ethereum has its own cryptocurrency (Ether or ETH), it also accommodates other cryptocurrencies. InfraCoins adheres to the standards of the Ethereum blockchain (ERC20) and shares with Ethereum a philosophy of creating access and transparency.

5 BLOCKCHAIN TECHNOLOGY. ETHEREUM DAO ORGANIZATION ESCROW SMART CONTRACTS USING ETHEREUM We are witnessing a steady increase in the number of projects that try to launch their token sales without actually needing blockchain technology, which we believe is a major red flag. This is why we find it utterly important to explain why blockchain is absolutely necessary for our project and how its value depends on it. DECENTRALIZATION DISTRIBUTED DATA STORAGE BENEFITS OF BLOCKCHAIN.01 NEAR REAL-TIME The blockchain enables near real-time settlement of recorded transactions, removing friction and reducing risk, but also limiting ability to charge back.04 IRREVERSIBILITY The blockchain contains a certain and verifiable record of every transaction ever made, which mitigates the risk of double spending, fraud, abuse, and manipulation of transactions..02 TRUSTLESS ENVIRONMENT Blockchain technology is based on cryptographic proof, allowing any two parties to transact directly with each other without the need for a trusted third party..05 CENSORSHIP RESISTANT The crypto economics built into the blockchain model provide incentives for the participants to continue validating blocks, reducing the possibility of external influencers to modify previously recorded transaction records..03 DISTRIBUTED LEDGER The peer to peer distributed network records a public history of transactions. The blockchain is distributed and highly available; it also retains a secure source of proof that the transaction occurred.

6 HOW INF WORKS? TWO PARTIES AGREE TO TRANSACT USING INF THE INF CONTRACT MANAGES THE RELATIONSHIP BETWEEN THE PARTIES INF CONTRACT EXECUTES AND DEAL CLOSES The Decentralized INF Ledger is the engine that regulates all transactions and relationships between the hotels/ property providers and the clients. In its core, there are going to be rules and operations governed by smart contracts which will be deployed in the Ethereum Virtual Machine. The INF Ledger will keep record of all transactions and will regulate the transaction executions through client/ host driven smart contract triggers. The INF Ledger will run solely with the native INF token and any application that wishes to connect to the engine will have the freedom to provide added value services such as support of additional payment methods which they can convert into INF at the time of the booking. This can be done either through integration to external exchanges or by converting the currencies themselves with an internal algorithm. Some of the operations (but not limited to) the decentralized INF Ledger will run: - booking placement - booking confirmation policy (instant/or after review) - deposit holding - deposit release/refunding upon check-out - check-in requirements & upgrade possibilities - dispute trigger & dispute terms - deposit withholding - optional history/reputation requirement for customer - Listing of rental properties..and more The INF Ledger will be open source and free to use. This way we plan to nurture the development of a new world standard for accommodation that will be based on the native INF token. The more travel and rental sites connect to the INF engine, the higher the adoption of the INF token and its value will be. Since the INF Ledger will be an entirely new bookings backend, we find it of utmost importance to develop a fully integrated and operational marketplace application that will be connected with the INF Ledger and act as a front-end (from the paying customer s perspective). This way the decentralized INF Ledger in combination to the user-friendly application/marketplace will create an ecosystem that will be self-sufficient. Not relying on any external factors is of utmost importance for the success of the project and the token sale. For this purpose, we are planning to build the INF Ledger together with the InfraCoins.com web-based marketplace.

7 USE CASE IMPROVE PROPERTY SEARCH PROCESS Existing challenge: Inefficient property search process due to fragmented listings data Today, CRE brokers, owners, tenants, and buyers and sellers often use multiple listing services or MLS to access property-level data such as location, rental rates, capital values, and property features. These platforms are typically subscription-based, commanding high access fees from users. The accuracy and detail of property-level data is completely dependent on the preferences of the brokers, due to a lack of standardized processes and substantive human intervention. This may result in the information being inaccurate, dated, or incomplete. Further, the search process itself tends to be inefficient, as the data, in general, is fragmented across multiple platforms.5as a result, there are delays in decision-making for landlords and tenants, and low levels of trust on the quality of information available on MLS. The blockchain opportunity: Efficient and reliable property search A blockchain-based listing would enable data to be distributed across a peer-to-peer network in a manner that allows brokers to have more control over their data, along with increased trust, as listings would be more freely accessible. This enhanced, blockchain-enabled MLS would also provide clear details on property location and address, comparable rental rates, capital values, ownership history, tenant details, age of the property, and title clarity. As a result, market participants could have access to more reliable data at a lower cost. In fact, per a recent Deloitte survey of 308 executives, 36 percent of respondents perceive efficiencies (lower costs/ greater speed) as one of the key benefits of using blockchain technology. PROCESS - Users upload the property listing on the INF blockchain; free of charge - InfraCoins allows users across the platform to freely access data and also make transactions using INF Tokens. OUTCOME - Increased Transparency - Enhanced process efficiency and accuracy - Easier access to international listings - Lower transaction costs

8 USE CASE EXPEDITE PRE- LEASE/DEAL DUE DILIGENCE AND FINANCIAL EVALUATION Existing challenge: Time consuming, paper-driven, predominantly offline due diligence and financial evaluation process In a leasing or purchase and sale transaction, usually significant time is spent on due diligence activities related to financial, environmental, and legal review to assess rental rates/bid price. This is predominantly due to the use of physical documents for proof of identity, documents that are often stored in siloed places and have limited flexibility to be customized to suit various needs. For a property, these could include documents supporting the history of ownership income and expenditure, occupancy, tenants, and repairs and maintenance activities. This manual verification process increases administrative tasks and is prone to loss of information and errors. Further, involvement of numerous third-party service providers tends to elongate the due diligence process, and increase transaction related cost. Finally, if the buyer is financing the acquisition of the property with a mortgage or other third party financing, many due diligence steps and documentation are duplicated by both the buyer and the lender. The blockchain opportunity: Drive efficiency and accuracy in due diligence process InfraCoins will perform the KYC of the user digitally within minutes, by validating the documents and identification proof using AI and NLP. Once the KYC is approved, then users will be provided a trust worthy score, which can help the lender make the right decision of proceeding with the transaction. PROCESS - Buyer and seller log into the app and upload their required document proof - A selfie with the ID proof is captured using the mobile phone camera - Using advanced AI and NLP methodologies, the documents are validated and approved OUTCOME - Reduced transaction time - Enhanced data security - Less manual errors and duplication in verification process - In case, the documents are not clear, the user is asked to upload the documents again.

9 USE CASE EASE OF LEASING AND SUBSEQUENT PROPERTY & CASH FLOW MANAGEMENT Existing challenge: Complexity in managing ongoing lease agreements, property operations, and cash flows There are complexities in managing a property due to dependencies among landlords, tenants, property managers, and various vendors. Right from the start of a lease, there are numerous payment and service transactions that need to be executed, tracked, and recorded on a regular basis. As a result, real estate companies have rigorous accounting, compliance, and cash flow management needs and related costs. The blockchain opportunity: Smart contracts enable easier, transparent, and efficient management of property and cash flows Executing a real estate lease using smart contracts can address many of the challenges associated with property and cash flow management. According to Nick Szabo, a prominent thought leader of blockchain and smart contracts, a smart contract is a set of promises, specified in digital form, including protocols within which the parties perform on these promises. For the real estate sector, the traditional lease contract can morph into a smart tenancy contract. The use of a smart tenancy contract on a blockchain platform would enable transparency in lease terms and transactions. The contract could use rent or bonds for automated payments to real estate owners, property managers, and other stakeholders along with near real-time reconciliation. contract, and 40 percent believe there is value in recording PROCESS - Both parties digitally sign the smart contract (agreement), which includes details such as rental value, payment frequency, and tenant and property details. - Based on the terms of the contract, the smart contract periodically initiates the lease payments from the tenant to the landlord and the contractors. OUTCOME - Instant settlement and management of cash flows - Simplified property management - Legally enforceable contracts - Faster reconciliation of payments - On termination of the lease, the contract triggers the payment of security deposit back to the tenant after adjusting for any damage repair charges.

10 USE CASE EASE OF BOOKING HOTELS EXISTING SYSTEM Books hotel or other property 15-25% booking fee Booking / Airbnb /Other Centralized platform Sometimes Platform Receives Payment and transfers to owner Customer Property owner 2-3% fees Payment Processor BLOCKCHAIN OPPORTUNITY Easy to use interface to find the best property Easy to use interface to list your property 0% Commission on Bookings Customer friendly interface for data management on the blockchain Customer Property owner Receives payment via INF 0% fee Booking / Payment

11 PROJECT ARCHITECTURE Central Database Point of contact HTML5 Website Centralized Backend CMS End customer Profile & Settings Travel Log Social Platform Profile & Settings Management Customer /Property Owner Property owner Listings Statistics & Analysis Ratings Reviews Social Platform Point of contact Mobile App Blockchain Platform Records all listings Settlement of payments according to listing requirements

12 TECH STACK SMART CONTRACTS SOLIDITY, TRUFFLE, JAVASCRIPT WEB FRONTEND PHP, JAVASCRIPT, REACT.JS. WEB3.JS MOBILE CLOJURE, JAVA, SWIFT, REACTNATIVE BACKEND CLOJURE, PYTHON,ELECTRUM, WEB3J, GETH (OWN NODE) DATA STORAGE POSTGRESQL, MONGODB

DISTRIBUTION & SUPPLY. 13 INF TOKENS ARE A DEFLATIONARY UTILITY TOKEN BACKED BY The soft cap is set as 3,000,000 USD as we believe this is a minimal amount to allow for InfraCoins to set up the company and make a suitable investment into the real estate market. ETHEREUM FACTS MAXIMUM TOKENS 50M 1 INF = USD 0.7 TO USD 1.25 SOFT CAP USD 3M HARD CAP USD 30M USE OF FUNDS 30 % - COMPLETE PLATFORM DEVELOPMENT, R&D TOKEN DISTRIBUTION Reserve 20% Pre-Sale 10% 20 % - MARKETING & PROMOTION Advisers 5% 45 % - WORLDWIDE INTEGRATION AND PROPERTIES PORTFOLIO GROWTH Team 6% Referal 3% Bounty 6% ICO Sale 50% 5 % - LEGAL, ADMINISTRATION, UNFORESEEN

14 OUR TEAM. HOO LIN COLN Legal Advisor His first ambition was to be a lawyer has led him to read law at the Nottingham Trent University, England and obtained his LL.B (Hons) Funding Leadership Property Management Dispute Settlement BHUSHAN KADU Data Scientist BlockChain Expert R&D blockchain structure Research BlockChain AI Data Science Vansh Tah BlockChain Developer As a Lead Blockchain Developer, he is responsible for the organization and execution of token sale fundraising and development of ethereum smart contracts used as core of the InfraCoins app. Solidity Software Development Java, C++ Security Audits Evan Joseph BlockChain Consultant Architect the blockchain solution, analyze the projects and gives specific recommendations to the CEO & technical team on smart contract infrastructure. Solidity UI/UX Digital Marketing Planning

INITIAL COIN OFFERING 15 15 DAYS PRESALE STARTS MAX TOKENS PRICE 07JUl2018 5,000,000 USD 0.7 + 5 % 15 DAYS PRESALE VIP sale and Pre-sale tokens together account for 5mn tokens STARTS MAX TOKENS PRICE 15JUl2018 5,000,000 USD 0.7 30 DAYS CROWDSALE (ROUND 1) The InfraCoins token ICO will be accepting ETH, BTC, XRP & USD as forms of payment for INF tokens. STARTS MAX TOKENS PRICE 10AUG2018 5,000,000 USD 0.8 30 DAYS CROWDSALE (ROUND 2) STARTS MAX TOKENS PRICE 01SEP2018 10,000,000 USD 1 30 DAYS CROWDSALE (ROUND 3) STARTS MAX TOKENS PRICE 01OCT2018 10,000,000 USD 1.25

16 ROADMAP JULY 2017 - CONCEPT AND IDEA AUGUST 2017 PLANNING AND CONCEPTUALIZATION SEPTEMBER 2017 MARKET RESEARCH OCTOBER 2017 ACQUISITION OF PARTNERS AND PROPERTIES JANUARY 2018 PROTOTYPE DEVELOPMENT PROPERTY LISTING AND HOTEL BOOKING MARCH 2018 PROTOTYPE DEVELOPMENT PROPERTY APRIL 2018 SMART CONTRACT TEST NET DEVELOPMENT MAY 2018 - SMART CONTRACT TEST NET COMPLETED 10 AUGUST 2018 ICO SALE BEGINS 7 JULY 2018 PRE SALE ICO BEGINS 31 OCTOBER 2018 ICO SALE ENDS DECEMBER 2018 OFFICIAL WEBSITE LAUNCH JANUARY 2019 LISTED ON EXCHANGE

17 KYC & AML REQUIREMENT LEGAL INFORMATION With newer and stricter cryptocurrency and ICO regulations each year it is important we follow current Malaysian regulations regarding ICO fund raising to ensure a smooth liquidation into fiat. It is important this ICO is fully Know Your Customer (KYC) and Anti- Money Laundering (AML) compliant. Each investor will be required to provide us with their Name, Email, Date of Birth, Address and Ethereum Wallet Address. This information may then be used to check various sanction lists to ensure the investors and funds are legitimate. For larger investors who contribute over 5,000 USD we may be required to ask you for further information to verify your identity. INFRACOINS will always do our best to be transparent and communicative with our investors and potential investors. We ask you to ensure that you also do your own due diligence and only communicate with us via the methods on the front of this document. Please always check the address and contact source of emails and/or messages. TOKENS RIGHTS TOKEN VALUE AND INCOME Purchaser acknowledges, understands and agrees that INFRACOINS tokens hold no real world value. Furthermore the Purchaser acknowledges and accepts that INF tokens purchased in the InfraCoins ICO token crowd sale are non-refundable. InfraCoins Token is a utility token and offers no guarantee on return on investment nor offer any guarantee of monthly token holder payouts.

18 EXCLUDED PERSONS Disclaimer NOTICE TO RESIDENTS OF THE UNITED STATES The offer and sale INF tokens has not been registered under the U.S. Securities act or under the securities laws of certain states. As a result this ICO is not open to United States citizens or persons acting on behalf of United States citizens. INF token holders must notify INFRACoin Estate immediately if they become a United States person or becomes aware that any person for whom the Purchaser holds shares as trustee, agent, representative or nominee has become a United States person. Excluded persons THE FOLLOWING PERSONS ARE RESTRICTED FROM PURCHASING INF TOKENS INF will not be sold to anyone where the acquisition by such a person would cause a breach of the law or requirements of any country or governmental authority, including anti-money laundering regulations or conventions. A Purchaser who acts, directly or indirectly, for a senior foreign political figure. A Purchaser that is an entity acting as trustee, agent, representative or nominee for a person, who is a United States person (within the meaning of Rule 902 of Regulation S of the United States Securities Act). A Purchaser or an entity acting as trustee, agent, representative or nominee for a Purchaser that is a foreign shell bank. A Purchaser on behalf of terrorists or terrorist organizations, including those persons or entities that are included on the List of Specially Designated Nationals and Blocked Persons maintained by the US Treasury Department s Office of Foreign Asset Control. A Purchaser who makes representations or warranties in the Terms and Conditions that are not true when given or have ceased to be true.

THANK YOU