Ceyron, the digital token

The progress of the financial industry and blockchain has now become doubtful. For that required token that can combine both. Ceyron Finance Ltd (hereinafter, "CFL") intends to bring together the experience of the financial industry and the revolutionary blockchain technology. CFL is interrupting two divergent worlds: cryptocurrency and financial services.

www.ceyron.io will be an investment platform based on cryptocurrencies with a cryptocurrency trading terminal, debit card capabilities and tokens backed by guaranteed credit assets.

Ceyron Token are ...

Token is something that can be used instead of money. The CEY tokens are digital tokens that will be issued to investors and represent beneficial ownership interests in a separate class of non-voting shares in Ceyron. The CEY tokens are intelligent contracts for functional services within the Fund. The CEY tokens are not refundable. That is not for speculative investment.
Ceyron Finance Sarl (CFS), is a Limited Liability Company incorporated under the Limited Liability Companies Act (the "Fund"), and is the exclusive property of Ceyron Finance Ltd. CFL and the Fund have entered into an Operating Agreement that establishes the rights and obligations of each party.

The Fund will be administered and advised by Colombus Investment Management Ltd, (the "Fund Manager"). Colombus Investment Management Ltd, is a British Virgin Islands registered as an independent alternative investment management company specializing in alternative assets and global asset allocation. The Fund Manager will be responsible for the operations of the Fund and will perform all services and activities related to the management of the assets, liabilities and operations of the Fund.

Investment objective and strategy
The investment objective of the Fund is to provide attractive returns on capital invested through a patented quantitative approach to underwrite credit assets, which will be provided by Colombus Investment Management Ltd. The Fund will adhere to an investment strategy driven by data science, in which machine learning nonparametric statistical models are applied to the problem of expected gains in financial investments.

Net income obtained by the Fund during a given month will generally be retained for reinvestment, but a portion of the potential periodic earnings can be used to distribute annual dividends to Token CEY holders, where such dividends are approved by the board and shareholders with right to vote of CFL.

Token backed by the loan portfolio to provide less volatility and more cash flow
The portfolio of credit assets will also be secured through a guarantee clause to improve stability and performance. The Fund Manager will use artificial intelligence and machine learning to create a portfolio of secured credit assets.

Blockchain technology allows efficient liquidity for investors
Blockchain technology has the potential to provide greater integrity, security and transparency. As such, CFL will use the blockchain to guarantee the immediate allocation of low-cost transactions in the hope of providing greater liquidity for investors.

Efficient prepaid debit cards
Account holders will have the ability to select among multiple cryptocurrencies to use as a tender, and when they initiate a transaction (for example, a dinner that costs $ 83.65), prepaid debit cash will be used, or the holder can Choose to use a compatible cryptocurrency, which will then be sold at the spot price to complete the transaction.

Competitive rates
Since CFL will have as much cash as a variety of cryptocurrencies at all times, it can facilitate the continuous exchange of cash in cryptocurrency to facilitate transactions, and allow CFL to compete with Coinbase in services and fees.

CFL is launching in a growing
market The cryptocurrency market has grown by more than one hundred and sixty billion dollars ($ 160,000,000,000) in the last year. Financial giants and central banks alike have invested in blockchain technology. Both large and small investors seek a more regulated market that allows safety nets and insurance coverage offered in any registered security market.

Approaching the problem for the developing world
The population of the developing world (Southeast Asia, Latin America and Africa) represents more than 2 billion people. Only Africa represents 1.2 billion people. It is young and dynamic: 60% are under 50 years old.

Banks are progressively adopting mobile banking to:

develop online banking services;
take digital advantages for the parties to integrate millions of people in the formal financial sector;
develop commercial payment services
Low banking rate

According to experts, more than 2.5 billion people with low incomes and / or middle income are not linked to a bank. The traditional agency model easily meets the needs of the poorest, but it no longer fully meets the requirements of banks.

The reasons for low bank penetration are found at two levels.

At the client level: most people have low or very low incomes and, therefore, a low saving capacity. While the monetization of the economy has increased significantly since the 2000s, the use of a bank is not yet part of the spontaneous practices. The emergence and rapid growth of very strong microfinance firms are radically changing this situation.
At the banking level: the excess of relative liquidity of the banks is not an incentive for the development of the clients. Weak population density adds the average costs of implementing agencies.
Highly competitive market

More than 75% of countries have the most services where mobile money services were already available. This increased competition means that consumers have more options. Some subscribe to two or three services simultaneously.

Very low usage rates
Africa is the world leader in the field of mobile money accounts. 2% of adults have a mobile money account in the world, 12% of holders are in Africa. Each year, the number of open mobile money accounts increased by more than 40% on average. By 2020, the number of Africans with discretionary income - about 450 million people - will be comparable, if not higher than in Western Europe, with an average annual growth rate of 20%. By 2020, there will be close to 800 million people who have a mobile money account. Resulting in the potential of almost 10 billion transactions per day valued at almost $ 135 billion in 2020.

The analysis of the means of payment of user behavior seems to be a general trend: the withdrawal represents at least 60% of the transaction volume; 20% point-to-point transfer operations; call purchase time 10%, payments 8% and savings 2%.

A shy pause through the bank card
The CEY token holders will have the privilege of receiving their annual dividend on their CFL card.

Lack of secure and
unsecured credit for credit applicants CFL intends to solve the problem in Africa where there is a lack of available credit for most applicants. More specifically, the dividends distributed to the holders of CEY tokens will allow them to be eligible for the credit because the dividends could be considered as a source of income.

In Africa, there is a lack of stable and sustainable income when it comes to credit applications.

The CFL solution

CFL Credit Portfolio
Today, 60% (60%) of US mortgage loans. UU They are in the hands of non-banking entities, compared to thirty percent (30%) in 2013. More than four billion USD ($ 4T) only in US mortgages. UU They are available to select from hundreds of banking credit platforms. The Fund Administrator is responsible for approving the solvency and risk associated with the platforms and identifying the credit profiles of the assets originated, from regulatory compliance of originations, volumes, guarantees, duration and rate to the quality of management and the service. The Fund Administrator will be tasked with selecting the highest performing assets available within these platforms for the CFL portfolio, as well as removing the highest risk assets from the CFL portfolio.
Investment

roadmap CEY Card
The CEY card will be a physical, virtual and debit MasterCard with a mobile application that will allow the use of twenty (20) foreign currencies from a single card. CFL can save customers up to seventy percent (70%) on these rates. The currencies can be exchanged both at the point of sale (the industry average is 3.75% versus 3% of the CFL rate), as well as through an application. In addition, unlike the standard fee of one and a half percent (1.5%) for withdrawals at ATMs, CFL will not charge any fees for withdrawals at ATMs. The CFL mobile app will contain additional functionality to transfer funds in any currency between merchants, as well as friends and family accounts,

The CFL card plans to have a partner for managing expenses. This will allow integration from a mobile application to facilitate the management of travel itineraries and links to many travel partners for the administration of electronic receipts. In summary, the CFL card will be developed to provide greater liquidity in any of the twenty (20) world currencies, as well as in the main cryptocurrency currencies.

CFL and the block chain
A cryptocurrency (or cryptocurrency) is a digital asset designed to function as an exchange medium that uses cryptography to secure its transactions, control the creation of additional units and verify the transfer of assets.

Cryptocurrency was designed as a method for decentralized transactions with value maintained in scarce digital goods. It has great appeal in societies where governments have made their currency worthless through hyperinflation. Today, fifty percent (50%) of people around the world have bank accounts. In 2014, it was sixty-two percent (62%), and cryptocurrencies are gaining more support among the unbanked. Cryptocurrency was designed as a method for decentralized transactions with value maintained in scarce digital goods. It has great appeal in societies where governments have made their currency worthless through hyperinflation. Today, fifty percent (50%) of people around the world have bank accounts. In 2014,

The fiduciary currency to cryptocurrency market has only been operational for a few years. Illustrative of the current level of maturity of the industry are the relatively large differences between the prices in Bitcoin fiat money in the different main exchanges.

The Blockchain technology is still young, but it has already demonstrated its capacity as an immutable ledger. Bitcoin is a purely speculative token, and its value, like diamonds or gold, outside of industrial uses, is completely driven by scarcity and guarantee for the owner that this asset is unique and is ready for transaction .

CFL security token

CFL intends to provide, but does not guarantee, to the chip holders an annual dividend, which must be approved by the Board of Directors and the holders of shares with the right to vote.
CFL intends to invest eighty-five percent (85%) of the income received by CFL from this Offer in the Fund, and the Fund will in turn invest in credit assets, thereby seeking to create a base of cash flow performance. stable and growing cash for the Token CEY (cash flow returns can not be guaranteed and may be affected by both regulatory and market conditions)
CFL intends to use modest leverage to further improve the returns of its loan portfolio to facilitate continuous and continuous reinvestments to grow the credit portfolio that underpins the CEY Cards (Improved profitability can not be guaranteed, and may be affected by both the market as per regulatory conditions)
CFL will improve your ability to establish your leveraged loan portfolio by providing your deposit lender with a credit guarantee bond.
CFL intends to maintain a reserve of cash, securities and tokens at all times to guarantee the liquidity of the CEY token holders (the liquidity of the assets can not be guaranteed and may be affected by both regulatory and market conditions).
CFL will establish alliances with bond providers that will be used to mitigate the risk of total capital loss. However, the use of these financial instruments does not constitute a guarantee against all eventualities.
Strategic alliances
The strategic alliances of CFL are established leaders in the field of blockchain technology, finance and banking. CFL intends to enter into a service contract with Coinfirm.io with respect to the KYC / AML (Anti Money Laundering) controls for each token holder application. Ambisafe is a pioneer in blockchain technology and an ICO offering company that helps the world become more decentralized since 2010. Its work has been fundamental in projects such as Tether and Bitfinex. More recently, Ambisafe is behind ICO's successes as. Loyal Bank is a registered bank under the laws of Saint Vincent and the Grenadines.

Market plan

Initial offer of CFL currencies

The offer of Tokens CEY in Saint Vincent and the Grenadines is being made based on the exemption of the Securities Law. The CEY Tokens offered in this document (and the corresponding non-voting shares in CFL Ltd. held by the Nominee) will not be subsequently sold to any person under another offer in St. Vincent and the Grenadines unless the provisions of the FSA
CFL will provide an Offer Memorandum that will be prepared solely for use by potential CFL investors, which will be issued by CFL. The Offer Memorandum shall be prepared in connection with a private offer to accredited investors, persons who shall verify their status as an accredited investor through a questionnaire and other necessary documentation, and other persons worldwide who meet the requirements for participation in the jurisdiction in which they reside

** Summary of the offer **

Mechanism of technical offer

Prospective investors will be asked for personally identifiable information when creating an account at ceyron.io to participate in the sale. This information is to ensure compliance with the various securities laws of the United States and foreign jurisdictions, as well as the Know Your Customer (KYC) and Anti-Money Laundering (AML) requirements.

For investors in the United States, they must comply with the obligations promulgated under the "accredited investor" standard in accordance with Regulation D, Section 506 (c) of the Securities Act. An investor can demonstrate that he qualifies as an accredited investor by checking and loading documents in ceyron.io as described in the next section "Participation in the offer".

Participation in the offer

This Offer for prospective investors from the United States is limited only to accredited investors as defined in Regulation D of the Securities Act, that is, only to those persons or entities that belong to one or more of the following categories:

Any bank, as defined in Section 3 (a) (2) of the Securities Act, or any savings and loan association or other institution defined in Section 3 (a) (5) (A) of the Act of Securities, acting in their individual or fiduciary capacity; any broker registered under Section 15 of the Exchange Act; any insurance company, as defined in Section 2 (13) of the Securities Act; any investment company registered under the Investment Companies Act of 1940 or a commercial development company, as defined in Section 2 (a) (48) of that Act; any Small Business Investment Company licensed by the Small Business Administration of the United States under Section 301 (c) or (d) of the Small Business Investment Act of 1958; any plan established and maintained by a state, its political subdivisions or any agency or instrumentality of a state or its political subdivisions for the benefit of its employees, if said plan has total assets exceeding five million dollars ($ 5,000,000); and any employee benefit plans under the meaning of the Employee Retirement Income Security Act of 1974, if the investment decision is made by a fiduciary of the plan, as defined in Section 3 (21) of said Act. , whether it's a bank, savings and loan partnership, insurance company or registered investment advisor, if the employee benefit plan has total assets in excess of five million USD ($ 5,000,000) or, if it's a self-directed plan,
Any private business development company as defined in Section 202 (a) (22) of the Investment Advisers Act of 1940;

Any organization described in Section 501 (c) (3) of the Internal Revenue Code of 1986, as amended, any corporation, Massachusetts or similar business trust, or company, not formed for the specific purpose of acquiring Common Shares, with total assets more than five million USD ($ 5,000,000);
Any director or executive officer of the Company;
Any natural person whose individual equity value, or joint estate with the spouse of that person, excluding the value of the principal residence of the person net of any mortgage debt and other liens, at the time of purchase exceeds one million USD ($ 1,000,000);
Any individual who has had an individual income of more than two hundred thousand dollars ($ 200,000) or a joint income with the spouse of that person in excess of three hundred thousand dollars ($ 300,000), in each of the last two years and that reasonably expects to reach the same level of income in the current year;
Any trust with total assets of more than five million dollars ($ 5,000,000), not formed for the specific purpose of acquiring ordinary shares, whose purchase is directed by a sophisticated person as described in Rule 506 (b) (2) ( ii) of Regulation D; o
Any entity whose owners of shares are accredited investors
To invest in this Offer, investors must first create an account and register with <a href-"www.ceyron.io"> www.ceyron.io. In accordance with Section 506 (c) of the Securities Act, evidence of the status of the accreditation is required to invest. This can be fulfilled during the process of creating the account by completing the accreditation process in one of three general ways:

Accreditation based on the investor's income
Accreditation based on the Investor's Net Assets
Letter of verification from third parties
Restrictions on compliance and transfer of after-offer securities
The CEY tokens are offered and issued to non-US persons, in accordance with the Regulation S of the Securities Act. Each subscriber of the CEY tokens shall be deemed to represent, warrant and agree to the following:

Or it is: an "accredited investor" (as defined in Rule 501 of Regulation D of the Securities Act); or not a "US Person" and is acquiring the CEY Tokens in an "offshore transaction"
If the Subscriber is an acquirer in a transaction occurring within the United States, you acknowledge that until the Closing Period expires, you are not will allow to offer, sell or

use of income

The CEY token funds will be used to provide funds for the following:
RISK FACTORS

General business risks
In the event of an economic slowdown, the company's business plan, the capacity to generate income and general solvency may be at risk. Start-up companies in general are highly risky, and the likelihood of business failure, regardless of the overall business climate, is possible.
Specific commercial risks
Investments in vehicles of this nature have various inherent risks, which could result in: (i) a total loss of investors' capital, (ii) lower than expected investment results, or (iii) liquidity lower than expected, among other things.

Credit risk
There is no guarantee that the investment objective of the Fund will be achieved and that investors will not incur losses. To mitigate the risk of substantial credit losses, CFL will take appropriate credit loss reserves, which will accrue to each asset in accordance with our credit policy guidelines, which are consistent with typical financial institutions that invest in similar credit assets.

Portfolio risks
There is a risk that CFL will not achieve the expected results. The coupon and return to maturity of the CFL portfolio is critical to our ability to generate consistent dividends for the chip holders and continue to be able to reinvest in our portfolio, thus increasing the sustained value of the portfolio and the token.

CFL may not be able to achieve the desired leverage levels in your portfolio at the desired cost of debt. As a result, there is a risk that the net return on the portfolio for investors will not be achieved. To the extent that CFL intends to use senior guaranteed leverage, the risk to the investor can be improved through the existence of a guaranteed priority priority levy on the assets of the portfolio.

Token liquidity risk
The CEY token may not reach the desired liquidity levels, resulting in lower than expected liquidity for investors.

Regulatory risk
The fact that CFL has not obtained the prior regulatory authorization in a jurisdiction where it has operated or the refusal of a regulator to grant such authorization in a jurisdiction in which it wishes to operate could prevent CFL from maintaining or expanding its business. In addition, changes to laws or regulations, including the promulgation of new requirements in relation to regulatory authorization, advertising, Internet or online commerce (or change in the application or interpretation of existing regulations or laws by regulators or other authorities ), in any jurisdiction in which CFL currently conducts business, could force CFL to stop doing business or modify the way it does business in that jurisdiction. Such changes could also have a material adverse effect on the business,

<h2Data Privacy and security
All data provided to us is stored in a secure computing environment protected by secure firewalls to prevent unauthorized access. The company controls access so that only people who need access to the investor's data have access. All members of the CFL team receive safety training and must comply with a full set of safety policies, procedures and standards related to their jobs.

CFL management team

Tutor