初始硬币发行 一个初始投币(ICO)是出售一个新的 加密货币或由公司最早创建的令牌 采纳者,换取资金进一步发展。它是一个 精密和民主的方式来筹集资金,每一个地方 投资者 - 无论大小,都可以参与。
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在变化,我们正在建立第一个全球银行,提供了一个 革命性的服务来自世界各地的人们。我们的 任务是消除金融部门的边界,并确保 每个公民都可以获得其他金融服务, 终于结束了地方监管部门的人为垄断 和传统银行。 为什么是一个ICO 因为我们是一个为人民的银行,我们把我们的社区维持在高位 看待。我们虚心地邀请任何分享我们愿景的人加入我们的行列 运动并创造变化。 AMOUNT RAISED 变化是总共提高了25万乙醚。投资者可以使用 乙醚进入ICO。
最低投资:0.5 ETH。 1.25亿美元兑换硬币将发行,汇率为 1ETH = 500CAG。 BOUNTY程序 我们是帮助传播的变革社区的奖励成员 我们的ICO的话。所有变币的总数将为15% 分配给社区,研发和奖励。 早期禽鸟 早期投资者将获得折扣和独家奖励 访问Change Maker状态以及高级更改黑色 卡。
前500名投资者将获得30%的折扣 预售折扣待公布。
更改允许在任何地方花费加密货币 借记卡并通过使用“更换钱币”付款即可获得奖励。
它提供了进入Universal Change Marketplace和访问 投入大量的投资机会和财务 服务。
世界范围内有前途的金融科技公司, 始终超越银行的业绩。
改变使用最先进的区块链技术来提供 最大的隐私和安全的用户。
2016年3月
2016年6月
2017年9月
2018年1月
验证 0%
注意。未经证实的成员实际上可能不是团队成员
验证 0%
注意。未经证实的成员实际上可能不是团队成员
Opportunities:
Change has a strong team with experience working in Fintech companies. It also has a number of legit advisors, including the former CEO of DHL Global Forwarding.
Although it doesn’t benefit Change’s business directly, Change has an official partnership with a sovereign government, Estonia. This is going to provide validation to Change’s concept and put it steps ahead of many other blockchain projects.
Change has a very ambitious goal of providing pretty much all the services that a traditional bank provides. If successful, the upside to the business and token value can be substantial. It also allows many financial services to be paid using cryptocurrency.
Concerns:
Most members of the team are working on Change and other startups at the same time, meaning they are not working in Change fulltime. It is unclear how they are going to allocate their time between different ventures.
CAG tokens are not necessarily for purchases in the Change Marketplace, at least in the beginning. Users can use all major cryptocurrencies. This is going to reduce the need for CAG as a utility token.
Competition – there are a number of blockchain projects in similar space as Change
Debit card – Tenx, Monaco, Tokencard, Xapo, Mobi, Centra.
Wallet – Metal, Status, Everex, Omise GO, Pillar.
The roadmap is vague. In the white paper, the only milestone after ICO is “delivery of first Change crypto cards; beta for marketplace launched”. This may indicate the lack of detailed planning for the team in terms of the execution and carrying out the game plan for the project.
Conclusion:
Overall, we are neutral about both the ICO’s short- and long-term potential. Our thoughts of the tokens for short term and long term are as follows:
For short-term holding:
Neutral. On one hand, the project has good awareness with the partnership with the Estonia government and strong team of advisors.
On the other hand, presale is stalled at around 30,000 ETH. With a minimum contribution amount of just 10 ETH, there is not much to prevent small contributors from participating, so the pre-sale is essentially a public crowdsale. It seems to us that the project doesn’t have enough demand to fill the hard cap, especially in this market environment.
However, the crypto market can change very quickly and given the 1-month crowdsale period, Change has plenty of time to raise funding, hence the neutral rating.
For long-term holding:
Neutral. We believe the team underestimates the challenges with legal and regulatory issues. With the lack of details in the white paper, we are unsure of the execution abilities of the team.
What’s likely going to happen is that Change will realize there are a lot more legal hurdles than they initially thought. They will need to expand slowly, country by country after getting all the relevant licenses in each jurisdiction. Therefore, it may take a long time to realize the team's vision.
Change also has a very ambitious goal of providing many different kinds of services under one umbrella. Generally, the more ambitious goal a project has, the more likely it will fail. Therefore, we believe Change is more of a high-risk high-return play.
Change aims to create an international crypto bank that offers card-based spending, seamless international transfers, and other banking services. The bank’s ecosystem revolves around the use of Change Coin (CAG).
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