iBBT™... a distributed
Open Banking™ Platform.
iBBT™ enables access control to a stack of decentralized utilities in a crypto-banking system. It includes multiple white label Open Banking modules for decentralized exchanges and cross-chain swaps. iBBT's™ Distributed Blockchain DNS and multiple financial modules, including a Non-custodial Web Wallet.
What is an iBBT™ Open Banking™ Network
Our Mission
Blockchain and distributed ledgers have a bright future. As real-time, open-source, and trusted platforms that securely transmit data and value, they can help banks reduce not only the cost of processing payments but also create new products and services that can generate important new revenue streams.
The biggest key to turning blockchain’s potential into reality is a collaborative effort among iBBT™ Open Banking members to create the network necessary to support global payments. iBBT™ looks at the bigger picture and works together with merchants—and with non-banks—to help define the backbone that can underpin a universally accepted consumer/merchant adaptable, ubiquitous global payment system that can transform how merchants and consumers execute transactions.
Key Factors to Adaptation
The iBBT™ distributed network is a critical success factor in our blockchain adoption, but there are others. Another important one is generating internal momentum for blockchain consumer/merchant integration and implementation—an area the existing banking and merchants currently struggle to do. iBBT's™ offer of a unique security methodology is another important reason consumers and merchants embrace iBBT™ Open Banking™ blockchain technologies, and understandably so.
Beyond these factors, there is something more fundamental: The need to educate key organizational stakeholders on blockchain’s enormous potential benefits and positive impacts. Finally, we agree with industry experts that applying blockchain successfully to payments will require fostering an uncommon coordination among merchants—which is vital to generating the positive network effects that make blockchain so compelling. The iBBT Open Banking Network is ready to accept the challenge.
Merchant and emerging financial crypto networks can offer community currency based on iBBT's™ blockchain technology. The advent of smart contracts and new efficiencies in distributed consensus mechanisms have the potential to prime equitable economic activity for a much larger segment of the global population without compromising privacy, transactional throughput, or regulatory compliance. Embedding the right incentive structures in a blockchain marketplace could lead to a new era of trust, digital-asset-based smart economies, and improved human cooperation.
We propose the iBBT™ (“iBBT™ Tokens”) as a multi-tiered utility and community currency token in a secure, open banking marketplace system to power digital economies. iBBT™ natively supports an abundance of use cases, including universal borderless payments for consumers and merchants.
The iBBT™ system provides:
- Users: strong privacy and security as part of universal smart identity with KYC and AML compliance; using a single token to update and maintain identity. Website Link SmartIDentity
- Merchants: improve operating margins and revenue, use tokens as a discount or reward tool to drive sales, create a brand identity, and reduce fraud. See. Fraud Prevention Standards DARSA
Solutions
Problems & Opportunity
The iBlockchain Bank & Trust Technologies Co. ('the Company') Business Plan will be provided as a full-length document later, to be prepared by the Company once it has tested assumptions from use-case opportunities currently in development. The Business Plan will likely also contain untested assumptions due to the scope of the Company’s product roadmap and potential offerings and will undoubtedly include forward-looking statements. Each prospective investor should carefully review the limited Business Plan Summary provided herein and in association with this Memorandum before purchasing Shares. Management makes no representations of the accuracy or achievability of the underlying assumptions and projected results.
Business Plan Summary
In the initial phase of its business plan, the Company seeks to develop use cases with sector and industry partners who license specified “Platform-as-a-Service” (“PaaS”) offerings and contribute development funds to initiate go-to-market campaigns. The strategy includes business development engagement with e-commerce merchants, medical cannabis companies, real estate, smart cities infrastructure providers and government sector digital transformation initiatives.
Problem & Opportunity
Cryptocurrencies and emerging crypto asset markets are on a collision course with Governments, policymakers and financial regulators concerning trust, compliance and governance. There is a lack of regulatory harmonization across jurisdiction, few of which have developed clear guidelines to date. Nevertheless, sensible solutions for blockchain technology can and are being applied to:
- i.) fortify banking system integrity, reform and compliance;
- ii.) reign-in unauthorized uses while supporting banking interoperability of crypto assets;
- iii.) power the underlying future connected infrastructure(s) for value exchange and transition of e-money to digital sovereign fiat currency in:
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- retail banking applications,
- cross-border payments and
- everyday merchant-consumer adoption.
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Vision and Platform Rationale
iBBT management believes we are the first, and one of the few blockchain technology companies in the market to offer a unified (i.e. interoperable) blockchain banking platform that facilitates a stable digital dollar transition, real-time clearing network featuring smart compliance and digital asset convergence with the conventional financial system.
In addition, we believe the potential onset of Central Bank Digital Currencies (CBDCs) plays to the timing and core value proposition our platform offers today. Many Central Bankers like to believe there is a 20 to 30 year horizon for digital fiat currencies as a foundation to a new financial system, but the market forces driving dematerialization, digital lifestyles and innovation uptake have shown that it is conceivable and indeed possible that the technology for a digital fiat currency will evolve outside the banking system and ultimately be adopted by banks once proven1.

Token
iBBT™ Utility Tokens Purchases & Values
The first token sale (also known as an iBBT™ Token) is held by iBlockchain Bank & Trust™ on February 2020.
iBlockchain Bank & Trust™
Get your tokens for the best price: We fixed the Ether price at Market Value. The only Utility Token with a TOS conversion.
- Public Release Active
- Acceptable curreny GEO Credit, ETH
- Public ITS starts: Now
- Public ITS ends: On going
- Minimal transaction Unrestricted
- Tokens avail. 2,780,000,000 (27.8%)
Documents
Documents, Case Studies

Whitepaper & RealBlock™ Case Study
The whitepaper presents a type of versatile community currency, the iBBT Utility Token™ (“The iBBT™”). The iBBT® is a unique ERC-20 contract to organize an activity in a specialized exchange economy. It features vital elements for merchant acceptance, dynamic liquidity aggregation, and governance.
iBBT™ enables access control to a stack of decentralized utilities in a crypto-banking system. This includes smart identity provisions for privacy and compliance. The iBBT™ also facilitates consumption of certain financial services, including on-net conversion to digital asset purchases/swaps or secure custody in a corresponding Open Banking Marketplace.
A substantial global base of millions of small businesses, emerging digital merchants, and start-ups seeking growth capital and hosted payment infrastructure are either hyper-intermediated by incumbent financial institutions or grossly underserved due to various issues. Moreover, fewer than 5% of people in the world hold any investments in stocks, passive real estate income, or other assets.
Token Distribution
Utility Token Purchase Stats

Details
This iBBT™ Utility Token does not constitute an offer to sell or a solicitation of an offer to buy an iBBT Security "Common Stock" or "CFT" to the Public or anyone who does not have a direct relationship with iBBT™. Alternatively, the iBBT™ Tokens can be used as Rewards, Merchant Discounts, or Social Money within the iBBT™ Network Society.
Token offerings (FCTs') on this Site are only suitable for accredited investors, qualified institutional buyers, other qualified purchasers, or unaccredited clients. Privately offered securities are not publicly traded and are intended for members who do not require a liquid investment.
Fractional convertible tokens (FCT) are not publicly traded and are intended for members who do not need a liquid investment. However, members must be able to afford to lose their entire investment.
Symbol: iBBT
Initial Token Value : 1 ETH ≈ 207792¹ iBBT
Initial Token Value in $ : 1 iBBT ≈ $0.00077 USD
Type: ERC20
Token(s) Type: Utility, Social Money
Token Smart Contract : 0x691c25C461DaFC47792b6E4d674FBB637bca1C6F
Roadmap
Project Timeline
The iBBT® Utility Token is integrated with multiple use cases and the SmartIDentity.io platform for KYC and AML for the Open Banking Marketplace.
Platform Deployment
development
iBlockchain Bank & Trust
Token Distribution
Fractional Convertible Token Purchase Stats

Details
This iBBT™ Utility Token does not constitute an offer to sell or a solicitation of an offer to buy an iBBT Security "Common Stock" or "CFT" to the Public or anyone who does not have a direct relationship with iBBT™. Alternatively, the iBBT™ Tokens can be used as Rewards, Merchant Discounts, or Social Money within the iBBT™ Network Society.
Token offerings (FCTs') on this Site are only suitable for accredited investors, qualified institutional buyers, other qualified purchasers, or unaccredited clients. Privately offered securities are not publicly traded and are intended for members who do not require a liquid investment.
Fractional convertible tokens (FCT) are not publicly traded and are intended for members who do not require a liquid investment. However, members must be able to afford to lose their entire investment.
Symbol: iBBTs
Type: ERC20
Digital Asset Type : iBBT Class E (restrictions apply)
Convertibility Type : Fractional Convertible Token (FCT)
Token(s) Type: Utility, Fractional Convertible EQ
Digital Asset (Common Stock): FCT/FCS Ratio: 1:1
FCT / Token Ratio: 1 FCT = 10,000 iBBT Tokens
Token / FCT Ratio : 1 iBBT Token = 0.0001 FCT
Convertibility Vesting Period : 6 Months
FCT Governance : Distributed Autonomous Corporation
FCT Smart Contract : 0xbba00cce718263f1a7ab92d723995722554552c0
FCT Available Supply : 1,000,000 FCT
FCT Value : $4.55
Team
Creative Team

Antonios Valamontes
Managing DirectorMr. Valamontes in 2013 co-founded Geopay.me a Fintech company. The mission of Geopay.me is to create methods and procedures for a consumer/merchant convergence and adaptation of blockchain solutions in a modern digital economy, that includes the Banking industry’s adoption of Blockchain in the Fiat payment gateway and personal banking.
Mr. Valamontes has strong entrepreneurship professional with a Bachelor of Applied Science (B.A.Sc.) focused in Computer Systems Networking and Telecommunications from the University of MD, Munich Campus.

John Karantonis
PresidentJohn T. Karantonis has over 15 years of business development, product strategy and new venture experience.
Mr. Karantonis has held executive, sales and product roles for marketing technology, omni-channel media, enterprise data network services and mobile commerce/payments initiatives. Previously, John was a cofounder and chief strategy officer at Akoo International, Inc. (acquired by RMG Networks) where he helped build a leading location media network and mobile-to-TV marketing services platform reaching 44 million shoppers per month (Nielsen), on behalf of several of the world’s top “blue-chip” advertisers. Mr. Karantonis was one of the inventors of the company’s interactive and distributed platform and received multiple patents in the U.S., China, Japan, Russia, Australia, Mexico and Israel, for his work. Additional patents are pending in the U.S. and worldwide. Mr. Karantonis received dual B.S. and B.A. degrees from Loyola University Chicago.

Chrystoula Hararis
Data Protection Officer (DPO)Experienced Mentor with a demonstrated history of working in the hospital & health care industry. Skilled in Microsoft Word, Coaching, Sales, Team Building, and Contact Centers. Strong support professional graduated from St. Petersburg College.
Customer Service 100%
Leadership 100%
Telephone Skills 100%
Training Leadership 100%
Quality Assurance 100%

Vasiliki Stigka
Lead DeveloperExperienced software engineer with a passion for developing innovative programs that expedite the efficiency and effectiveness of organizational success. Well-versed in technology and writing code to create systems that are reliable and user-friendly. Skilled leader who has the proven ability to motivate, educate, and manage a team of professionals to build software programs and effectively track changes. Confident communicator, strategic thinker, and innovative creator to develop software that is customized to meet a company’s organizational needs, highlight their core competencies, and further their success.
BLOCKCHAIN 85%
Python 90%
C++ 100%

Edward Grant
Asia Business DevelopmentEd Grant is a founder and director of Newwork International Ltd., a Bangkok-based business development, strategic planning & investment firm that provides comprehensive development expertise on diverse projects with a primary concentration today on the development of smart cities, transportation infrastructure and renewable energy projects. A resident of Thailand for the past 35 years, Ed has worked and traveled extensively throughout Asia and the Middle East, where he has also established strong business relationships in Thailand, China, Indonesia, Myanmar, Singapore, the UAE and Saudi Arabia.
Ed holds a Bachelor of Architecture Degree (B-ARCH) from Rhode Island School of Design in Providence, R.I. USA (1967); and he also served in the U.S. Navy as a Commissioned Officer in the Civil Engineer Corps (CEC).

George Anastasopoulos
RealBlock Project DirectorCAD Designing 100%
Electromechanical Installations Calculating Software 100%
Certified Project Manager (IPMA – Level D 100%
Competent with Microsoft Office Programmes, AutoCad, Internet 100%
Design, Construction, Operation and Maintenance in Waste Water Treatment 100%
Advisors
Advisory Council
The iBBT® Advisory Council serves as a critical community champion of the iBlockchain Bank & Trust Technologies Organization. Members of the Advisory Council share their gifts in service to our mission by providing our organization with their professional expertise; their diverse knowledge of market perspectives; their connections to local, national or international resources, colleagues or peers; their professional and technical expertise support or other forms of needed assistance. The Advisory Council has no governing function within the organization.











Edwin M Kimani
Banking and FinanceMr. Kimani offers business Investment and Advisory professional services in real estate, renewable energy, natural resources development, Cooperative movement, Project and Infrastructure Finance, Fintech development, and technology. Business owner and Director/ Partner in real estate, IT provider, farming Cooperative, and mining projects in Kenya, DRCongo, Tanzania, and Burundi.
He has traveled widely in Africa, Europe, and the US in different capacities as a business owner, in representations, seminars, and conferences in trade and investments.

Chanida Puranaputra
Marketer & Social Media InfluencerChanida Puranaputra is a world-class leader and top earner in the world of network marketing. Together with her husband, Nat Puranaputra, they have recently been created by DZYNE.com as an innovative product & brand development MLM organization with the first HYBRID e-commerce by DZYNE global network. Chanida and Nat are also experts in creating and building massive organizations worldwide. Having been in the business for over 30 years as prolific business partners, they have consistently reached the “Top Earner” level in all of the companies they have joined, achieving this in record speed and also making the “Million-Dollar Club” every year throughout their illustrious and awe-inspiring. careers.
Today, Chanida on her own account is also recognized internationally as a top network marketing strategist and consultant, providing guidance and expertise to leading companies in the field; and touring the world as a special guest speaker consistently inspiring and motivating large audiences and smaller start-up groups alike in more than 25 countries, where she has built a network of more than 500,000 members in their combined organization globally.

Dr Sean Xiang
Cross-Border Fintech SolutionsDr. Sean Xiang has over 20 years of experience in cross-border investment and senior management in tech companies. He is a Distinguished Professor of Shenzhen Technology University (SZTU), serves as Dean of the College of Big Data & Internet, SZTU.
His research interests focus on network security, data security, blockchain applications, optical coherence tomography (OCT), and biomedical imaging, etc. His previous work experience includes Beckman Laser Institute & Medical Clinics (BLI), University of California, Irvine (UCI), and The Hong Kong University of Science & Technology (HKUST), etc.
Dr. Xiang is also an active angel investor in the United States, Hong Kong, and China. His investments mainly focus on but are not limited to: next generation of data security, blockchain technologies, fintech, artificial intelligence, and environmental protection technologies, etc.

Sean T. O’Kelly
Fin-Tech LeadershipStrategy, process, and technology leader with 20+ years of experience driving innovation and transformation. Successfully partnered with customers to develop achievable business strategies, to drive measurable organizational outcomes, and to deliver enterprise-wide business value in both B2C and B2B channels. Prev: Chief Information Office | State of Illinois, Dept. of Financial & Professional Regulation.

Ninos Youkhana
Blockchain / IT ExpertNinos Youkhana is a social networking expert, entrepreneur, and IT leader with dual degrees from DePaul University in E-Commerce Technology and Information Systems. By working in startups, Fortune 500, IT contracting, and government environments, he has gained invaluable domestic and global experience in software/product/website development, business operations, marketing, social media, team leadership, project management, knowledge transfer, customer service, and client relations.
Ninos is an exceptional communicator who served as a linguist, culture/political adviser, and personal translator for the U.S. Army and U.S. Embassy. He traveled to 17+ countries and spent 5 years in Baghdad, Iraq on Top Secret Security Clearance contracts, one of which he was chosen from 20,000 candidates. In these roles, he provided translation services to 2/3/4-star Generals, Prime Ministers, and other high-ranking officials and trained them on computers. He wrote executive summaries, translated historical decisions and cabinet emergency meetings, monitored various media forms, and managed Local Nationals. His outstanding performance, leadership, and contributions earned him a Medal of Honor and NATO Certificate of Appreciation.
Certified Blockchain Expert V-2 100%
Risk Management Professional (PMI - RMP) 100%
FAQ
Frequently Asked Questions
The section of the Act that pertained specifically to financial transactions added requirements and enforcement policies to the Bank Secrecy Act of 1970 that had thus far regulated banks and other institutions. These changes had been in the works for years before 9/11, but the terrorist attacks finally provided the political momentum needed to enact them.
Thus, Title III of the Patriot Act requires that financial institutions deliver on two requirements to comply with the stricter KYC: the Customer Identification Program (CIP) and Customer Due Diligence (CDD).
Compiling, tracking, and storing massive amounts of data to be parsed out and reported to regulators in a timely manner is a costly exercise. The exercise is often duplicated by all organizations in a chain of custody, increasing the attack surface of sensitive data.
SmartIDentity controls the process of digitally making the record of which data has been shared, when and with whom. The verified data then enters a P2P secure digital ledger, accessible only to different permissioned parties. Our iBBT Ledger services cryptographically enable a singular area of permissions to attested claims, ensuring privacy and security protocols.
Money-laundering and terrorist financing often relies on anonymously opened accounts, and the increased emphasis on KYC regulation has led to increased reporting of suspicious transactions—though this doesn’t necessarily mean there’s more bad activity out there, just better detection of it.
In 2014, more than 1.7 million suspicious activity reports were filed with the Financial Crimes Enforcement Network, 35 percent more than in 2013.
Regulations are becoming stricter, meaning financial institutions have to spend more money to comply with them—or be subjected to steep fines. These fines are also dramatically increasing: $4.3 billion in fines were levied against financial institutions in 2013 and 2014, a sum that quadrupled the fines of the nine previous years combined.
As an example, JP Morgan and HSBC were recently each fined $2 million for a failure to report suspicious activity.
KYC is done as a precaution against illegal activities like money laundering, bribery or corruption. It helps the government and businesses keep track of such activities or suspect them beforehand. Apart from being a legal requirement, completing the procedure will also help you gain access to many of the financial company's premium products and get transactions done faster.
Here is a list of documents that can be submitted as proof of identity and address;
- Passport
- Driving Licence
- Voters' Identity Card
iBBT: A standards-driven convergence platform to transition the digital economy from legacy banking to fluid, secure and Distributed Smart Trust, Fully Compliant and Global Open Banking Services. Purpose-built for the age of cryptocurrencies and real-world digital assets. The market demand for crypto-assets and applied blockchain solutions continues to evolve. This is a long-term trend against the backdrop of accelerated technological advancement and digital transformation impacting every sector. We believe we are at the forefront of market-driven financial technology innovation and banking reformation that will power commercial uses, growth of digital economies and emerging classifications of real-world digital assets. The opportunity to access global market share and offer new services for personal banking, merchant capital formation and commercial uses within a reformed concept of distributed trust and governance is substantial (USD $800+ Billion subsets of $2.1T SMB and asset management markets ). Moreover, interest is growing among some governments in creating digital versions of their fiat currencies as a blockchain-based legal currency to run in parallel with their traditional fiat currency. Sometimes referred to as Sovereign Cryptocurrencies, these prospective new forms of legal tender could offer critical “at scale” commercial and regulatory benefits as economies continue to digitalize. iBBT's Decentralized Banking Technology (DBT) combines blockchain and other hybrid DL Technologies to build a more robust, safe and nascent method for personal and commercial banking.
A GEO credit has a value of 1EUR/USDτ ≅ 1. You can buy credits with cryptos or fiat or receive them if you sell crypto. There is no limit to the number of credits you can have in your account. Orders that are paid with GEO credits are processed immediately. GEO credits can also be paid in euros to a linked SEPA Bank account.
A GEO Credit is a unit of account 1 GEO = EUR/USDτ
1USDτ= (Sum Total of US dollar buying power per State)/50
Only if cryptos are transferred to or from a iBBT wallet chain, a block fee must be paid. This fee goes to the miners who process the transaction and maintain the blockchain.
What are Network Fees?
The actual fee you pay will vary according to the network you use. For example, a Bitcoin transaction will have a different fee in comparison to transactions placed on the Bitcoin Cash, Ethereum or Litecoin network. There are even tokens that require a secondary or “gas” token to pay for the Network fees.
Why is there a need for Network Fees?
Mining is the process through which cryptocurrency transactions are gathered, verified and recorded into a digital ledger known as blockchain.For proof of work blockchains like Bitcoin and Ethereum, the miners get block rewards. Block reward refers to the cryptocurrency rewarded to a miner when they successfully validate a new block. A block is composed of transactions that are already verified or confirmed by the miners, and they are chained together to form what we call a blockchain.
Proof-of-Stake systems usually uses transaction fees as a reward. When a validator gets chosen to forge the next block, it will check if the transactions in the block are valid, signs the block and adds it to the blockchain. As a reward, the validator receives the transaction fees that are associated with the transactions in the block.
The work done by miners and validators are essential for maintaining the integrity of the network and is also responsible for introducing new coins into the system. And that is why these fees are essential in order for a network to work smoothly.
iBBT does not collect any of the rewards or fees.
How are the Fees Calculated?
Fees can fluctuate depending on market demand and network capacity for confirmations. The amount you pay per transaction is determined by how much you’re willing to spend. The more you pay the faster your transaction is processed. For those who are paying less, their transactions are set aside until the miners do not see higher priority transactions.
Determining fees can be a bit of a challenge, due to the way Bitcoin works. The price you pay depends on a number of factors including the size in kilobytes i.e the amount of data that makes up the transaction. That’s why SegWit sends are generally cheaper: because you’re transmitting less data over the network.
Here are some sites that can help with calculating network fees:
https://estimatefee.com 99 - a Bitcoin Fee Calculator
https://ethgasstation.info 46 - site for tracking Gas fees on Ethereum Network
To make things simple, your iBBT wallet will always set the best transaction fee based on network congestion. This can still be manually overridden if the user wants to.
GEO Credits
At iBBT you can build up a virtual euro balance in the form of GEO Credits. One GEO Credit is approximately equivalent to one euro/usd. You can buy credits with a credit card or through the sale of ethereum.
Credit Card
Credit card payments are possible with a Visa or Mastercard that is linked to a bank account. A credit/debit card must be secured with 3DS and there is a limit of 1000 GEO Credits per payment. It is not possible to pay by prepaid credit card.
One of the most significant tokens is called ERC-20, which has emerged as the technical standard used for all smart contracts on the Ethereum blockchain for token implementation.
One of the most significant tokens is known as ERC-20, which has emerged as the technical standard used for all smart contracts on the Ethereum blockchain for token implementation.
ERC-20 defines six different functions for the benefit of other tokens within the Ethereum system. These are generally basic functionality issues, including the method in which tokens are transferred and how users can access data regarding a particular token.
Note: A Swap Fund should not be confused with exchange-traded funds (ETFs), which are mutual fund-like securities that trade on stock exchanges.
1Members must conduct their own investigation of the merits and risks of any current of future token offer opportunity, or tax advice.
1(Some restrictions apply, KYC/AML Required)
Rule 144 allows holders of restricted or control securities to sell those securities in the open market provided certain conditions are met by the seller, the broker and the company. Restricted Securities. In general, restricted securities are acquired in a nonpublic transaction (private placement).
How Dematerialization Works
With the age of computers and the Depository Trust Company, securities no longer need to be in certificate form. They can be registered and transferred electronically.
Through dematerialization, so-called DEMAT accounts allow for electronic transactions when shares of stock are bought and sold. Within a DEMAT account, the certificates for stocks and other securities of the user are held as a means for seamless trades to be made.
The introduction of dematerialization allowed for accounts to be updated automatically and swiftly.