riansyah: DATARIUS - Overcoming the Classical Stereotypes of Systems and Services

Datarius cryptobank is a partially closed decentralized system.

Datarius serves as a direct liaison between lenders, borrowers, and related services - managers, analysts, insurance companies, funds, trading terminals.

The main task of the datarius questionnaire is to provide people from all over the world with free access and the equivalent of the maximum amount of financial products. Our primary mission is to create an entirely new transparent financial product. Provide customers with clear tools and greater opportunities. To ensure freedom of choice and action. To provide high-level automation, which will help overcome the classic stereotypes of both systems and services, and communication with consumers. To socialize fintech products through open comments to participants and transactions, through the assessment of "people" and trust limits. To get away from the irritating impress from the product line. To stand with customers and to provide active and competent participants with the opportunity to benefit simultaneously with the project through special functions, co-branding and partner programs. Be open and transparent in every way.

datarius cryptobank wants to show by our own example that decentralization and lack of boundaries are advantages, and that financial firms can and will be partners, guides and a friend.

Advantages of cryptobank datarius:

the most complete financial instruments: Foreign Currency Transactions (automatic exchange / internal exchange / TOP exchange gateways), Direct Loans (3 options), Investment Program (2 options), Credit for SMEs, Demand Deposits, Intrasystem Card Products (both direct - in intrasystem units, and gateways through partner companies)
An entirely new approach to credit assessment through a new unique algorithm, based on existing data received from partner companies;
Internal user accounts are duplicated by real physical accounts which further expand opportunities for the blockchain economic development period
Improved integration of relationships between cryptocurrency and fiat, including integration of instant transfer systems
A unique verification method combined with a blockchain project already in this segment
The trust limit system with the opportunity to set limits for specific users / groups / users in accordance with predetermined criteria, which makes the system more social.

The cryptocurrency market and the FinTech company have been embedded in our daily lives. According to World Bank estimates, 10% of the world's GDP will be processed using blockchain by 2025.

Cryptocurrencies have already demonstrated their benefits to the public, but have not yet gained an extensive opportunity to fully apply the power of their breakthrough technology in the "physical world" of fashion. Many high-end ITOs focus on providing the possibility of using cryptocurrency and services in everyday life, creating an advanced decentralized bank for this purpose.

The Datarius project is a new kind of social cryptobank with transparent conditions. In the cryptobanking industry, Datarius will be the first financial institution capable of making its customers have various financial services implemented in decentralized systems. The uniqueness of Datarius Cryptobank is that this project allows customers to get the service, tailored to their needs. Datarius will operate on a peer-to-peer (P2P) ecosystem, where participants are private users, and not banking institutions. This is nothing new in the financial markets, but Datarius's systems inherit the best features of traditional banking products, adapting them to the principles of a decentralized operating system,

In the field of personal finance, intelligent contract technology will help to understand exactly how and where financial resources are spent, how well the flow of financial revenue is adjusted, and so on. The technical capabilities of Fintech's services, based on the principle of Anti-Money Laundering and Know Your Customer, will enable the solving of financial crime problems effectively. Financial crime prevention consists of three parts: transparent reporting, tracking and enforcement. At the time the latter was the prerogative of law enforcement agencies. Great finance and human resources are spent investigating money laundering cases, therefore, law enforcement agencies are "overwhelmed" with overwhelming reports on the activities of financial institutions. The Fintech service will speed up and facilitate inquiries, making them cheaper. Banking institutions will be able to reduce expenditures in under-performing areas to reduce costs in the most vulnerable banking sectors and will allow Fintech companies to gain another competitive advantage over traditional financial firms.

Datarius combines features of a decentralized and traditional banking system. When opening an account for crypto, Datarius opens a real account for a physical person with the customer's name. In the current situation with crypto legislative status, this extends the capability of customer payments while the blockchain economy is under construction. All Datarius customers can use their bank account funds indefinitely, as if they were using traditional bank services.

Datarius is open to cooperation with other blockchain projects and plans to assist market participants in overcoming crypto transaction obstacles in the payment system. For this, a unique verification method for their partners is developed. The project creator considers the possibility of failure of the borrower's automatic rating system and the addition of user ratings from individual system participants, user groups and specific transactions.

These parameters and other parameters form a general assessment of the participants, allowing a more objective assessment of the prospects of mutual interaction. Confirming its status as a social bank, the Trust Trust system integrated with Datarius became a credit segment. This option is available on Webmoney, but an advanced regulatory system that allows defining constraints for different groups of borrowers, is applied here. It is possible to set credit limits for selected users, groups, or all users. It is also permissible to create more flexible system settings to accept confidence limits with predefined criteria.

The Datarius system involves the development of an extensive API network in terms of interfaces. Forwards the full hardware complex is planned for creation. Both individuals and employers can use the products and services provided by Datarius. Datarius can help integrate crypto and legal entity startups, attempting to transfer financial transactions to crypto space, into its unique system.

The decentralized system of Datarius Cryptobank is oriented towards cooperation with a wide audience and is available worldwide. In addition to the current Crypto Community members, Datarius welcomes people who are just starting to get acquainted with crypto that does not trust the FinTech market. Customers will be able to make transactions from different parts of the world in a matter of seconds without borders and no need to wait for plastic card issues for several weeks. Customers from dierent countries receive Datarius cryptography services on the same terms. Transactions and funds transfers are made instantly after closing the deal. The cost to process the operation will be reduced to the minimum payment for the transaction, regardless of the location of both parties.

Datarius gives clients the opportunity to receive credit lines from creditors from other countries. For example, customers may choose a loan with lower interest rates in Western European or American countries, where the service is much cheaper. This practice is used by traditional banks at the dawn of mortgage lending; In the cost of a decentralized P2P system of such products will be lower due to customer service cost savings. Thanks to blockchain technology, all history operations and credit scoring results are recorded in the data chain and can not be changed from the outside. This approach reliably protects the customer's personal data and records all information about their activities on the system, which significantly reduces the risk of document fraud or financial fraud when closing the deal. Accounts are associated with the identity of users, scammers will not be able to intercept or falsify their data.

Datarius has a variety of tools in investment, credit and currency. Startups FinTech, individuals and legal entities gain access to loans, bailouts and investments. Flexible systems allow each customer to transfer their personal and / or corporate accounts to the cryptographic space, save on banking services and even earn from them.

Datarius products have a simple, completely transparent and understandable condition with no hidden costs and "good print requirements". Thanks to a flexible regulatory system, all operations will meet customer requirements to the best possible level, so will not pay more for the general condition of the product.

Datarius Cryptobank does not charge additional bank fees for service products, which allows to reduce operating costs by 30% compared to conventional bank costs.

Partner Program.

The Partner Program is an effective tool for credit systems and payment services to attract new customers. The most common model is to pay certain actions from new clients on the system That partners receive a reward for each interested user who has committed financial transactions:

Deposit funds into the system or apply for a loan.
Rewards are paid in the DTR token, which promotes additional activity within the system.

Virtual card.

The use of virtual cards is a promising course in the field of online payments. According to Nathan Colbron's opinion, Australian product manager and New Zealand Banking Group, the number of virtual cards will grow as their profits become known by large companies.

They are easy to use, and their use.
Treatment is much cheaper than traditional plastic cards.
Datarius implements the full functionality of the virtual card. Users can make payments online without having to enter their main card data.
Unlimited release of virtual card number.
Additional protection against fraud: the plotter will not be able to withdraw assets from the primary user account.
Additional cards allow users to plan budgets to issue payments for certain services and purchases in online stores more accurately.

Managers and Professional Analysts.

A special user status extends the existing trust management mechanism. For additional benefits, users can transfer their DTR tokens into the hands of competent managers. There is a mechanism for assessing loans by professional analysts, who facilitate the process of selecting applications for creditors.

Let's get acquainted with each new status:

Professional managers are individuals or legal entities that have confirmed the required qualifications, Datarius system partners. The professional managers operate the transferred user assets to them making the deal in the Datarius system trying to gain the maximum profit.

The professional managers interface is tough with certain user wallets. The control panel lets you do this quickly and quickly. The transaction history of each Wallet is presented in the form of an action tree with a view of certain financial results.

An important element of successful system operation is the promotion of competition. The rating of each manager is constantly updated based on an algorithm that takes into account total assets under management, customer numbers, profit levels, terms and percentage of successful transactions.

Users can choose managers from general ratings, which stimulate competition and improve the quality of decisions made.

A manager is a system user who has confirmed the required competencies and has undergone a thorough verification procedure Such a user's ability is identical to that of a professional manager. In addition to your own account, customer subscriber wallets appear in the manager interface.

Professional analysts are experts in lending. In the process of making a decision to lend, Lenders may seek the opinion of one or more professional analysts in exchange for a small fee in the DTR token. The introduction of professional analyst institutes allows to reduce the number of problem loans and increase the attractiveness of the platform for loans and managers.

Pending Payments and Payments Schedule.

A payment schedule is a powerful tool for automating financial transactions. With its help, users can set reminders, create tasks to make automatic payments once or regular.

The ability to set up automatic payments is closely tied to Datarius loan products. If the user account does not have enough assets to make transactions, then the deposit limit is used for payment. Caused by This feature, lenders receive additional opportunities for profit, and lenders may not worry about account balances.

Payment schedules contribute to closing the Datarius system integration with daily user needs, such as regular payments for utility bills or service subscriptions, significant mobile account transferring of account or asset transfers.

Opening Gateway to Cryptocurrency Exchange World.

Cryptocurrency is becoming an increasingly popular tool for long-term speculation and investment. According to the assessment of analysts and founder of research firm Standpoint Research, Mr.Ronnie Moas, the total cryptocurrency market capitalization will reach $ 2 trillion in the next 10 years.

According to data portal coinmarketcap . com , the number of transaction cryptocurrency transactions already estimated in billions of dollars. The use of traditional cryptocurrency exchanges may not be too easy for the user:

complex multi-level verification
The absence of the necessary cryptocurrency pairs on a particular exchange
Problems with fiat currency withdrawal

Amid the competition between exchange rates on various exchanges.

The last point is relevant in a period of high volatility: for example, the exchange rate diference in China's booming period has reached 15%. Even in a quiet moment for the market, a sharp rise in the price of certain cryptocurrencies is accompanied by an increase in the exchange rate of the differences between individual exchanges.

Datarius gives its customers the opportunity to send a request to the main key crypto exchange immediately. Technically this is realized by registering our own account or partner in the stock exchange, on whose name all transactions are done. As soon as the user creates an application in the Datarius internal exchange, the application is automatically placed on the exchange of cryptocurrency through its API.

Introduction to Artificial Intelligence.

The use of machine learning integrated with Big Data allows consumers more relevant services and to track suspicious operations within the system by conducting an effective analysis of user behavior patterns Let us get to know the basic tasks solved by artificial intelligence in the Datarius system.

Fraud bout (anti fraud). Automated systems to track suspicious transactions allow to identify unbelievable users with high probabilities, to suppress fraud attempts and artificial judgments

improve, and also protect the system from mass registration. If in doubt, the system is capable of independent analysis of incoming information and request additional data from users. In addition to the information collected in automatic mode, the system can be guided by additional data received from the carrier

Loan Mortgage Loan.

Issuance of possible long-term installments in real estate through cooperation with developers and other buildings. Consultations conducted with a number of large companies indicate the interest of partners in the development of this service. At this time, the Datarius system's customer base is at least 50,000 users, which is an interesting argument in negotiations with developers around the world.

The introduction of a mortgage lending service enables the expansion of a significant product line for an investor portfolio. Professional analysts will help weigh risks and determine potential profits

Establishment of Venture Capital Investment Fund.

Over the past few years, venture capital investment has become a very popular instrument of multiplying capital According to Ernst & Young British consulting firm, small startups and independent companies with huge profit potential attract more investors.

Datarius is considering establishing a special business investment fund that lets users do so to make high-risk investments in promising projects. Mode and technical implementation of Operation funds are in the introductory discussion stage.

The development of attractive financial instruments will drive additional users into the system and will intensively contribute to growth from the customer base.

Integration of Crowdfunding Platform.

Until now, there are two older models to work with crowdfunding: Keep-It-All and All or Not. In the first case, the project receives all the funds collected, regardless of whether the required amount has been reached or not. In the second case, the investor receives back the fund, if at least the amount required for the implementation of the project is not achieved. A joint study of the University of York in Indonesia Toronto (Canada) and Université France Lille-Nord-de-France proves that usually the All-Or-Nothing Model provides more effective results, therefore selected as a crowdfunding platform base operating in the Datarius system.

Any user with a decent rating may announce public fundraising with detailed indication of the purpose of the financing, the amount required and the maximum deadline of the application not exceeding 45 days. The use of smart contracts enables the initiation of fund raising with subsequent freezes until certain conditions occur, and agreements are confirmed by a number of Datarius users who rank above the specified threshold.

Applications for crowdfunding are automatically closed upon reaching the requested amount, or at the onset of the fund collection deadline. Depending on the terms of a smart contract, the money can be frozen or directly transferred to the user's wallet If after the application expires the required amount can be Not collected, the funds are automatically returned to the sender.

Private Pension Fund.

The existence of a personal savings account allows us to gain access to funds that can be invested. long-term projects with low risk and long-term returns. Based on Datarius we can create full-fledged retirement funds by investing money in long-term projects in accordance with very limited risks and capital management rules.

The choice of jurisdiction for the work of the pension fund is the subject of ongoing negotiations. One of the most promising options - membership in a trust fund in the UAE. Consultation on pension trust registration in Jersey is in progress. The options presented provide reliable asset protection and do not require undergoing excessive bureaucratic procedures for fund creation and management.

Distribution of DTRC tokens.

Following Datarius' basic principles of sociality and the formation of systems, the participants developed

the following concepts:

73% of all DTRC tokens released will be available to bankers throughout all phases of token sales;
20% of the total amount will be transferred to the company's funds after the release. It was formed by the founder project and consists of two parts. 8% will be distributed between project teams, 12% - reserves managed by specialist staff to balance the economic model of the Datarius ecosystem;
7% removable token will be overed as a direct bonus before the end of ITO. Datarius bonus fund is divided into two parts:
2% of the total token issued will be a prize campaign fund, people and companies that provide exclusive support for this project will use 5% of the total token as a bonus

Prospects.

Regardless of the results of the ITO campaign, the Datarius team will make every desire to get the best functional interesting and promising products to market. We are convinced that with the extraordinary community support that formed around the project from the beginning, we can create a truly social, free and conceptually sympathetic to many people.

If Milestone items are not achieved, then some of the features described in the next key point, the project plan will eventually be introduced and implemented to create the most comfortable ecosystem that fully satisfies core customer demand.

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