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      "body": "The tourism industry is a promising industry to the global GDP, witnessing 1.2 billion international arrivals with an expense of 2.6 trillion dollars in 2016, increased fourfold as compared to 2010, according to World Bank.\n\nThis exponential number was recorded as the result of life standard improvement and greater ease when traveling. This industry exerts influence over the service sector of any economies in the world, making travelers become more and more beneficial. However, even with the current improvement of the industry, travelers have to incur numerous problems and one of the most excruciating ones is money management.\n\nSecurity comes first!\nThere are plenty of things a tourist must know to keep money safe while traveling, especially when you are adventurous and hooked on exploring. The risks are lurking everywhere, from dropping your wallet to losing it because of vicious pickpockets. This scenario can be still applicable when you travel to metropolitans. Even if you are comfortable using your Mastercard/VISA, there is a chance that it could be hacked in a foreign country where you have to spend huge efforts in calling for bank support. Why don’t use an encrypted wallet to carry all our money instead?\n![0_g4ocyCvLQAY-H6Rj.png](https://cdn.steemitimages.com/DQmeS742E6D1hNFoWUtRcdcRA5BH6cxpyh5FdHSkACjEibk/0_g4ocyCvLQAY-H6Rj.png)\nZeroBank definitely lends you a hand in keeping your money safe and sound while traveling. ZeroBank used blockchain technology to allow you to encrypt your cash and let you be the only one who owns the access to your digital wallet. Any fraud can be investigated easily, which ensures you a safe journey ahead.\n\nTraveling cost does matter!\nNo matter how well a planner you may be, overspending can be unavoidable. From that point, whatever your local currency is and no matter how low the exchange rate you can find at ATMs, you’ll always have to pay for the fee of up to 5 to 10% of the total amount, according to World Bank. This can cost you from a delicious lunch up to a night at a 5-star luxurious resort. Why do you have to bear such ridiculous high fee and know nothing about the real costs behind that transaction?\n\n![0_y4z1SgLpFhvr3mMw.png](https://cdn.steemitimages.com/DQmVtQE8kRo8sdrVv3i92EgCvdud1yq8iWGqxjLRjMFaaJC/0_y4z1SgLpFhvr3mMw.png)\nZeroBank understands this painful point of every traveler. We have been developing a decentralized money exchange system to remove the reliance on the banking system as well as MTOs (money transfer operators). Each transaction is automatically done and directly from an individual to individual. You no longer have to bear a high cost whenever you need to convert your local currency to another one. The exchange fee will always stay at the minimum.\n\nFlexibility and convenience will perfect your journey\nMoving around is the nature of traveling but problems may arise when you go far from your place and you have no money backed up. This is even worse in the case of rural areas where there are no ATMs or banks around. Even when banks are available, you won’t have enough time to spend to finish all banking procedures and withdraw your money in time for the situation.\n![0_dzjiKTU8e1wxG1Bg.jpg](https://cdn.steemitimages.com/DQmVNAqZS3vYPHypaE5jxqcLgTLywmdYcvMdJAymX7y77UV/0_dzjiKTU8e1wxG1Bg.jpg)\nZeroBank got your back by its wide coverage. ZeroBank coverage wins over the traditional banks at this point thanks to its broad network of agents. In its system, money transfer and exchange transactions will be facilitated by agents on a peer-to-peer basis. And anyone can become ZeroBank agent — from the local taxi drivers, hotel receptionists, to office workers, which makes it easier to have the money that you want, anywhere and anytime.\n\nHere’s to a revolution to traveling!\nZeroBank is an innovative application using blockchain, smart contract and sharing economy model to fix all your money-related problems while traveling. This revolutionary system will help you have a truly memorable experience without worrying about money problems. With only a smartphone connected to the internet, you will have the whole freedom of traveling in your hand!\n\nStay updated on our channels:\n- Website: www.zerobank.cash\n- Email: [email protected]\n- Telegram Community: https://t.me/zerobank_cash\n- Telegram News: https://t.me/zerobank_news\n- Chinese Community: https://t.me/zerobank_Chinesecommunity\n- Twitter: https://twitter.com/zerobank_cash\n- Facebook: https://www.facebook.com/zerobank.cash/",
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      "body": "![](https://cdn.steemitimages.com/DQmbC8HtDLBCGJE8Y6K9TAabi6iWw2exX3Trgs5s7gCZQXN/image.png)\nWe would like to extend our sincere gratitude to you for your support and participation in our Pre-ICO so far.\n\nOver the last couple of months, a number of community members including many ICO experts from around the world have contacted us and given us valuable advices regarding how to better improve our project in preparation for a successful ICO. Among those advices, having a minimum viable product (MVP) on the table is the most important thing.\n\nDue to unforeseen market conditions, as well as advices from our community members and experts regarding the need to complete the MVP, ZeroBank decided to postpone all of our crowdsale activities including our previously announced ICO after our Pre-ICO finishes on July 30th, 2018.\n\nInstead, we will alter our focus onto intensifying our development efforts towards the release of our MVP. The tentative release date for the first version of our MVP is August 15th, 2018, ahead of schedule.\n\nThis is a difficult decision among our investors and core team. And yet, we believe it is in the best interest of our community and our investors. A fully functional MVP not only helps the community to better understand our business model, but also gives reassurance to our token value even before being listed on any exchanges.\n\nWe are also expecting to kickoff our ICO again right after ZeroBank MVP finishes its community tests and proves its feasibility towards the end of the year. We will keep you updated with what’s to come shortly.\n\n- To bounty participants\n\nBounty tokens will be distributed within 2 weeks after August 25th, on schedule for those who have passed our KYC procedure. If you have not submitted the KYC submission, please read our guideline HERE.\n\n- To Pre-ICO investors\n\nWe appreciate your support and early contribution to our project. Thus, we would like to provide you with the most flexible options:\n\nIf you would like a refund, please send a request to us via [email protected] no later than August 8th, 2018.\nOtherwise, you will get an extra 10% bonus on your total contribution. The bonus will be automatically added to your Balance within two weeks after August 9th, 2018.\nDespite the changes in our crowdsale timeline, we’re delivering on our project development along with growing a wider network of partners as planned without slowing down. As in our proposed roadmap, we’re building a solid foundation for ZeroBank as a trustful business and paving the way for the project’s growth in the long term.\n\nThank you so much to all of our supporters and community for your great support and unchanging trust in our team as well as our vision. ZeroBank team is grateful to have you embark on this adventure with us!\n\nStay updated on our channels:\n- Website: www.zerobank.cash\n- Email: [email protected] Telegram Community: https://t.me/zerobank_cash\n- Telegram News: https://t.me/zerobank_news\n- Chinese Community: https://t.me/zerobank_Chinesecommunity\n- Twitter: https://twitter.com/zerobank_cash\n- Facebook: https://www.facebook.com/zerobank.cash/",
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      "body": "![1_8cdiJeyJD7PRd_bzv2LJpQ.png](https://cdn.steemitimages.com/DQmbRMht6aXDqdF8pRrM2LMNqxSwrakC7GPVzZapgtTABSL/1_8cdiJeyJD7PRd_bzv2LJpQ.png)\nThis post will cover all the common questions related to ZeroBank, and will be updated regularly.\n\nQuestion 1: What is the total supply of ZeroBank tokens, and is it increasing?\nAnswer: It’s fixed at 1,600,000,000 ZB tokens.\n\nQuestion 2: What is the soft/ hard cap of ZeroBank?\nAnswer:\n\n- The softcap is $ 6,000,000\n- The hardcap is $ 48,000,000\nQuestion 3: How is ZeroBank tokens distributed?\nAnswer: The tokens will be allocated as below:\n\n15% : Team & Advisor\n\n15%: Company Reserve\n\n10%: Sales & Marketing\n\n20%: Community Reserve\n\n5%: Angel Investors\n\n5%: Ambassadors\n\n10%: Whitelist\n\n10%: Pre-ICO\n\n10%: ICO\n\nQuestion 4: When do I receive my tokens?\nAnswer:\n\n- Bounty participants, Pre-ICO and ICO contributors will receive their tokens within 02 weeks after the end of our ICO.\n- Whitelist participants will receive their tokens 03 months after the end of our ICO.\n- Ambassadors will receive their tokens 04 months after the end of our ICO.\n- Angel Investors will receive their tokens 12 months after the end of our ICO.\n- Team members will receive their tokens 24 months after the end of our ICO.\nQuestion 5: When will ZB token be listed?\nAnswer: 2 weeks after the end of the ICO.\n\nQuestion 6: What differentiate ZeroBank from other projects in the remittance industry?\nAnswer: ZeroBank is different from other projects in the remittance industry in the following aspects:\n\n- We build a practical application that can be used immediately on what we are doing well. We do not create a platform and promise anything too distant.\n- With 30 years experience in international remittance and IT solution for Banks, our team is a perfect match with IT knowhow, experience in blockchain, smart contract and customer database.\nQuestion 7: Does ZeroBank have any plans to protect and improve the trust of the investors?\nAnswer: We commit to what we do. As a group of founders with high-paying jobs and profitable businesses, we gave that all up to start this project. With our specialties in the field, investors who understand our model would put their long term belief in us and the project.\n\nQuestion 8: Beside fees, what advantages does ZB have over traditional MTO and banks?\nAnswer: ZeroBank benefits its users in terms of convenience as money transfer can be made anytime compare to only banks’ and MTOs’ working hours, especially considering the different time zone. ZeroBank also provides the community with values, such as better services, and income for many community groups.\n\nQuestion 9: What is the minimum transaction amount through ZeroBank system?\nAnswer: The reasonable amount for one remittance transaction is 1,000 USD, and non-commercial transactions are no more than 7,000 USD. Any amount smaller than 1,000 USD bears higher relative commission fees.\n\nQuestion 10: What do I need to become a ZeroBank agent?\nAnswer: You have to pass the KYC procedure, and have some fiat money or ZB tokens to start the work.\n\nQuestion 11: How can I be an agent if I don’t have any Token/ money at first?\nAnswer: If you want to become an agent you have to pass the KYC procedure. Then, you either buy ZB tokens (from ZB local offices or on any exchanges that ZB token is listed ), or you can complete your first transaction as a sending agent and get ZB tokens. If you do not have ZB token nor fiat money, then you do not have any collateral to become a ZeroBank agents.\n\nQuestion 12: Will ZeroBank users have to know how to use tokens?\nAnswer: ZeroBank users (senders and receivers of fiat money) will NOT need to know about blockchain, token, cryptocurrency, etc. Only ZeroBank agents have to use ZeroBank tokens as the collateral for their work.\n\nQuestion 13: Is ZeroBank tokenized remittance model legal in many countries that are not yet open to cryptocurrencies?\nAnswer: Currently, many countries are against the use of digital currencies as a means of payment. However, ZeroBank’s business model only utilize ZeroBank tokens as a collateral and settlement instrument.\n\nQuestion 14: With such a model that requires the processing large information and implementation of new technology, what does the dev team have to tackle difficulties?\nAnswer: Dr. Bao Ly Van, CTO of Zerobank will be responsible for the development of the system. He has extensive experience in banking system architecture as well as blockchain technology. All tasks from setting up ZeroBank’s architecture, system workflow, to test-net, smart contract development, etc. is under his management. Dr. Bao also works closely with his colleagues from the banking sector in constructing ZeroBank system, and has recruited a team of developers with at least 2 years of experience in the field according to Dr. Bao’s plan.\n\nQuestion 15: How can I join ZeroBank Pre-ICO, ICO and what is the bonus?\nAnswer: For Pre-ICO, you can get 15% bonus. Please check it out here: https://ico.zerobank.cash/. The bonus will end on 30th July 2018.\n\nQuestion 16: With such fluctuation similar to other cryptocurrencies, how can agents manage their ZB tokens?\nAnswer: There are two options in the ZeroBank system:\n\n- For ZB tokens with price fluctuation, ZeroBank system provides a hedging options for our agents.\n- ZBT tokens with stabilized pricing are to be hard-forked later on in the project for agents who only want to work for the service fees.\nQuestion 17: How will ZB agents earn income?\nAnswer: ZeroBank agents earn from the service fees of their transactions, as well as the trading of the tokens.\n\nQuestion 18: How can ZB help its agents and customers avoid risks when taking part in the system?\nAnswer: ZeroBank will provide its users and agents with educative program to help them understand more about the system and the way it works, as well as to comprehend the risks and skills needed and involved.\n\nQuestion 19: At what markets will ZB be available at and when?\nAnswer: Please see the Global Expansion Roadmap section towards the end of our White Paper HERE\n![1_769GKzl24D_js_g7IAe1AA.png](https://cdn.steemitimages.com/DQmSuQ3FUU6vWVS5WJ34Nk5PmunaijmqNPmwwqweFhsR5Vn/1_769GKzl24D_js_g7IAe1AA.png)\nQuestion 20: What information will be needed to sign up to become users/ agents?\nAnswer: We will implement a KYC procedure that is the standard in the remittance industry.\n\nQuestion 21: How should the commission fees be divided between the two agents?\nAnswer: In each market, ZeroBank’s local office determines a general commission fee level for all agents in the market. Each agent also has an option to provide their own commission fee in case users select them manually. Thus, all commission fees are determined before each transaction.\n\nQuestion 22: To be a remittance company, what measure of security does ZeroBank have?\nAnswer: All users and agents in the ZeroBank system have to pass a KYC procedure that is standard in the remittance industry. ZeroBank’s credit scoring system will also increase the security measure in the system. Also, Anti-money-laundering (AML) procedure is implemented as a must in the industry to prevent money laundering and terrorists support. Our founders who are experts in the remittance industry are going to set up these security measures.\n\nQuestion 23: I'm non-English speaker. Do you have any plans to translate your Whitepaper to another languages?\nAnswer: We know that a significant part of the ZeroBank community is composed of non-english speakers, particularly Vietnamese, Chinese, Korean and Russian individuals. In line with this, we would like to announce that we have just released a Vietnamese, Chinese, Russian and Korean translations of the whitepaper.\n\nHere are the Whitepaper links:\n\n- Chinese: https://bit.ly/2JG2Ept\n- Korean: https://bit.ly/2uKyNqu\n- Russian: https://bit.ly/2Lc1l7l\n- Vietnamese: https://bit.ly/2L9fylF\n- Stay updated on our channels:\n Website: www.zerobank.cash\n- Email: [email protected]\n- Telegram Community: https://t.me/zerobank_cash\n- Telegram News: https://t.me/zerobank_news\n- Chinese Community: https://t.me/zerobank_Chinesecommunity\n- Twitter: https://twitter.com/zerobank_cash\n- Facebook: https://www.facebook.com/zerobank.cash/",
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      "body": "Let’s meet up with another one of the expert minds behind ZeroBank: Marco Tessari. We’re happy to partner with Marco, a senior software architect, a blockchain and decentralized exchange specialist.\n![1_Z9zVMyVfFmHcJPwCqaia8w.png](https://cdn.steemitimages.com/DQmNrzRoaWb5HfDEk55mZpH2n4dmxvDZ7Xt26N8Jc3TcBZN/1_Z9zVMyVfFmHcJPwCqaia8w.png)\nMarco holds an engineering degree from EPITA, one of France’s leading science and engineering schools for high-level IT experts and managers. His skill set is distinguished in various aspects of software engineering as well as AI and cognitive science. Marco had worked for over 10 years at BNP Paribas Corporate and Institutional Banking, a leading global financial service firm operating in 57 countries and serving more than 32,000 customers around the world. He had leveled up his expertise quickly at BNP Paribas and reached the highest position as a Software Architect and Developer Community Manager.\n\nMarco won the first-price of BNP Paribas Hackathon 2018 with a Bitshares-based application called “ETF on Blockchain”, a blockchain-based financial platform. BNP Paribas International Hackathon is the largest international hackathon of the financial industry designed for the brightest programmers, developers, designers and startup owners from big cities around the world.\n\nAs a blockchain evangelist at BNP Paribas, Marco also participated in the evaluation, presentation and training on blockchain technologies. Marco has also been involving in the implementation of different coding platforms and equipped with an impressive technical stack as his weapons, such as Java, Git, Rancher, Docker, Kafka, Python, Javascript, Bitshares API, etc\n\nCarrying a spirit of innovation and striving for excellence along with his strong background at fintech, Marco plays the key factor in many teams he enrolls in, as a developer, an expert, an architect, a team leader, a facilitator, or a trainer. ZeroBank is truly grateful to have Marco and his invaluable support and contribution to our goals.\n\nStay updated on our channels:\n- Website: www.zerobank.cash\n- Email: [email protected]\n- Telegram Community: https://t.me/zerobank_cash\n- Telegram News: https://t.me/zerobank_news\n- Chinese Community: https://t.me/zerobank_Chinesecommunity\n- Twitter: https://twitter.com/zerobank_cash\n- Facebook: https://www.facebook.com/zerobank.cash/",
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      "body": "Meet Scott — our advisor and Founder/CEO at Crypto Improvement Fund.\n\nScott is a seasoned business strategist with a passion for bleeding edge technologies. He worked in the enterprise space, consulting on complex networking, telecommunication and SaaS projects.\n![1_FFrtXuJP6SAf8PuemO_akA.png](https://cdn.steemitimages.com/DQmPFTv7DNXPYvoMGKRW3oQqaz5CDhHrQryyvojRjk61xdx/1_FFrtXuJP6SAf8PuemO_akA.png)\nWith a proficiency in project management, sales, leadership, scaling and improving operational efficiencies in F500 companies, Scott is an industry leader in knowledge pertaining to fintech, blockchain, and cryptocurrency. He is the founder of the Crypto Improvement Fund (CIF), Blockchain.Edu and Blockchain.Launchpad. These businesses were created to help businesses learn, understand and implement blockchain solutions as well as making business acceptance of cryptocurrency and blockchain technologies seamless and pain-free.\n\nScott received a BSc degree from one of the top universities in Canada — Ottawa University, the largest bilingual (English-French) university in the world. He also dove deep into blockchain through his internal assimilation of knowledge and taking one of the few (albeit valuable) institutional courses on the subject at the world’s leading Princeton University. Before founding CIF, Scott had a successful career at top Networking, Technology & SaaS companies such as Bell — Canada’s leading communications provider.\n\nScott is an invaluable advisor for ZeroBank. He brings to our project his comprehensive knowledge in fintech, especially blockchain and cryptocurrency, as well as his extensive experience in project management, business scaling and consulting.\n\nLet’s learn more about Scott and why he chose to support ZeroBank with our interview below:\n\n- ZeroBank: Why did you join ZeroBank team?\n\nScott: Blockchain technology has opened up for a new wave of innovating technologies. Blockchain can literally revolutionize the way almost all industries do business — yet there’s an application we still haven’t properly tackled.\n\nZeroBank is tackling one of such cases.\n\nThe money remittance and transfer industry still is notorious for charging exceptionally high fees to facilitate international money transfers. Thus, this process is undoubtedly broken. However, blockchain technology along with smart contracts is going to turn this industry upside down. Although the concept of international money transfer and remittance through the use of blockchain technology has been basically defined by some enterprises, through international money transfer or “banking the unbanked” still hasn’t been achieved — regardless of the fact that we have actively been buying and selling a variety of different cryptocurrencies — since the inception of Bitcoin in 2009.\n\nWith these problems, I decided to become an advisor for ZeroBank to find a solution.\n\n- ZeroBank: From your experience, what makes ZeroBank a successful project?\n\nHere are the two main reasons why I think it will be a successful project.\n\nThe first one is your dynamic team.\n\nThe Zerobank team is a robust, capable team — headed by Kai Yee Goh, a senior executive in the payment and money transfer fields with an extremely impressive resume and over 25 years in industry experience. Kai has worked with notable companies such as Paypal — and will bring a significant amount of leadership experience to the ZeroBank team.\n\nSecondly — the co-founder, Bao Ly, has an impressive background — boasting a PHD in Computer Sciences with a specialty in Financial & Banking consulting. He has worked with a variety of complex technical architectures and will be an incredible asset to the team, assuming the position of CTO.\n\nThe second reason is ZeroBank’s vision.\n\nThe vision of the ZeroBank team is not to create a new currency, but to use tokens as collateral, ensuring the usability and trust of a robust money remittance and transfer service. By leveraging blockchain technology — ZeroBank will create tokens which will act as collateral — enabling trustless money transfers and conversions — globally. Through the use of smart contracts and tokens, all payments and transfers will be able to bypass central banking authorities — eliminating the majority of expenses and fees associated with these institutions.\n\nThe ZeroBank utilizes blockchain to successfully re-actualize a traditional barter system which relies on agents and trust to successfully complete a money transfer. The layering of blockchain technology (specifically smart contracts) to improve this process, has allowed ZeroBank to allow international money exchange and transfer (in local currencies) at a fraction of the cost. The potential use cases for these technologies are limitless — from business transactions, tourists, foreign works etc.\n\nCombining their sound vision with their solid, experienced team — ZeroBank hopes to do amazing, disruptive things to the money transfer and remittance industry.\n\n- ZeroBank: Thank you so much!\n\nStay updated on our channels:\nWebsite: www.zerobank.cash\nEmail: [email protected]\nTelegram Community: https://t.me/zerobank_cash\nTelegram News: https://t.me/zerobank_news\nChinese Community: https://t.me/zerobank_Chinesecommunity\nTwitter: https://twitter.com/zerobank_cash\nFacebook: https://www.facebook.com/zerobank.cash/",
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      "body": "ZeroBank is the unrivaled ICO project in the money exchange and remittance industry right now. ZeroBank’s potentials lie at its pioneer idea of using blockchain technology, smart contracts in combination with the power of the sharing economy. Our core team of high-profile experts not only bring this idea to life but also work to create a powerful token called “ZB token”.\n\nNow, let’s explore what ZB tokens can empower its users within the revolutionary system of ZeroBank.\n\n- ZB tokens make it easy to transfer money within its ecosystem.\n- ZB tokens make it easy to exchange money anytime, anywhere.\n- ZB tokens are a tradable asset with commission\n![1_K73ad17fCn6Sj0xIDsFtvA.png](https://cdn.steemitimages.com/DQmecJxoUfAjMZC53xFMfNNT4N3sVZZtpMLB1YZauRedmda/1_K73ad17fCn6Sj0xIDsFtvA.png)\n\n#1 — ZB tokens make it easy to transfer money within its ecosystem\n\nObviously, ZB tokens are made to serve as the “monetary barter” for ZeroBank users to effortlessly exchange and transfer in ZeroBank system. Within this blockchain-based application, the sharing economy model even makes it more convenient by allowing peer-to-peer transactions facilitated by the wide network of agents. This means without knowing anything about cryptocurrencies, you can still transfer money whenever and wherever you need as long as agents are available. Since everyone can become a ZeroBank agent, you can easily find an agent near you instantly when you are in need.\n\nWith just a smartphone and an Internet connection, you can perform your transaction by a few clicks, without having to go through complicated procedures of current banking systems which take you a lot of time. ZeroBank does it all for you.\n\n#2 — ZB tokens make it easy to exchange money anytime, anywhere\n\nUnlike other systems which use blockchain-based transactions but still rely on the banks or money transfer operators, ZeroBank gives it users a simple process to exchange ZB tokens, or exchange tokens to real cash. It’s direct & instant between individuals and your transaction can be completed without long delay of waiting for the bank’s approval.\n\nBy completely removing the presence of the banks between transaction, you are free from depending on the local availability of the banks to exchange your money. All is easily done within ZeroBank system with the same (even higher) level of security.\n\n#3 — ZB tokens are a tradable asset with commission\n\nYou can use ZB tokens to trade not only with other ZB token holders, but also on reputable cryptocurrency trading platforms such as BINANCE, HOUBI, OKEX, IDAX, and XSTAR…\n\nZeroBank users and agent networks are expected to expand quickly. Along with the growth in the number of transactions, this development naturally increases the value of ZeroBank system thanks to the wide acceptance from the community. Trading with ZB tokens is a promising and wise investment. You know you’ll get high profit when holding a cryptocurrency that can grow big ROI overtime. This advantage of ZB tokens would be appealing to all crypto-geeks to hodl ZB token. Any ZB token holders will gain numerous benefits regarding this trustworthy cryptocurrency.\n\nHave you got ZB tokens in your wallet yet?\n\nOur team at ZeroBank understands that token is one of the primary factors in the success of any ICO project. The value of ZB tokens — a crypto-asset — comes from its huge potential uses. Tokens are multi-purpose instruments and ZB tokens, which are highly secure, compatible and resilient, provide you more than an instrument of money exchange — the key to a prosperous investment.\n\nOur Pre-ICO is now open with 15% bonus. And the bonus will end on 25th July 2018.\n\nGRAB IT NOW: https://ico.zerobank.cash",
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      "body": "ZeroBank project is proud to have the best minds in the money and finance field. We would like to introduce you our Business Development Director (Consultant) — Joel Candy, who is a prominent consultant in Fintech, Money Transmission & Global Payments based in Hong Kong.\n![1_Smver9EGnJvusICzY7fKbA.jpeg](https://cdn.steemitimages.com/DQmawc6M6FLJ6bUVLzJYkyHooKR9XffNDKL3139JC3JS75L/1_Smver9EGnJvusICzY7fKbA.jpeg)\nJoel is an industry-leading specialist with nearly two decades of experience across various segments in banking & financial services. Since 2016, his career is centered on Fintech Startups, ICO advisory, Money Service Businesses (MSBs) and Payments based companies. His expertise in financial services allows Joel to lead regional teams to achieve outstanding results.\n\nIn the past, Joel worked as the Former Regional Vice President (APAC) of Xpress Money Services Ltd and gained extensive knowledge on international payments including remittances, cross-border eCommerce purchases, as well as domestic payments. Before that, Joel was the Former Manager-Institutional Banking at Axis Bank, the third largest of the private-sector banks in India.\n- Why ZeroBank?\n\nComing in to the project as a friend and long-time business partner, Joel took the role of ZeroBank’s Consultant. Having extensive experience in the field, he understands very well the backbone of ZeroBank’s business model. Joel shared his thoughts on ZeroBank project: \n\nZeroBank intends to be a game changer in the currency exchange and money transfer space by leveraging the power of blockchain and smart contracts. By easing the pain points of Costs, Compliance and Coverage, ZeroBank endeavours to rewrite the rules of the game and disrupt the entire landscape. In doing so ZeroBank intends to include its users in its success as well and empower them through the potent ‘sharing economy’ model which has been successfully unleashed in the modern tech world.\n\nJoel is not only an expert in the money and finance field but also a well-versed consultant in the blockchain and cryptocurrency space. Joel’s consultation and solid expertise on international payment, especially remittance will be very helpful for ZeroBank to build a successful system in the money exchange and remittance field.",
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      "author": "weloveyou",
      "body": " Hi, Do You Know We Love You and Everything You Do.<br> Thank you, @zerobank.system, for spending your time on the STEEM Network.<br>We put together some statistics about your account, let us know if you have questions.<br> Votes Per Post Average: 40.25 <br> Replies Per Post Average: 4.85 <br> Post Word count Average: 509.1 <br>Follow us for more benefits. Help Us Grow Delegate STEEM Power [1SP](https://steemconnect.com/sign/delegateVestingShares?delegator=&delegatee=weloveyou&vesting_shares=1%20SP), [5SP](https://steemconnect.com/sign/delegateVestingShares?delegator=&delegatee=weloveyou&vesting_shares=5%20SP), [10SP](https://steemconnect.com/sign/delegateVestingShares?delegator=&delegatee=weloveyou&vesting_shares=10%20SP), [100SP](https://steemconnect.com/sign/delegateVestingShares?delegator=&delegatee=weloveyou&vesting_shares=100%20SP), or [Donate to Help Support](https://v2.steemconnect.com/sign/transfer?to=weloveyou&amount=0.10%20SBD&memo=I+love+@weloveyou,+Please+accept+my+donation+to+support+We+Love+You.+2) <br> Have a Great Day, <br>@WeLoveYou.\nWe can also resteem and upvote more of your posts\n\nLearn More, Read Our [Introduction](https://busy.org/steem/@weloveyou/we-love-you-update-upvoting-for-you)\nIf your reputation is lower than 30 resteeming with @WeLoveYou only costs 0.001 SBD",
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      "body": "Hi! I am a robot. I just upvoted you! I found similar content that readers might be interested in:\nhttps://vietnamnews.vn/the-future-of-know-your-customer-kyc-with-blockchain-technology-shared-by-zerobanks-cto-dr-bao-ly/416",
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      "body": "On 26–27 June 2018, ZeroBank — a highly feasible project in money exchange and remittance, took a step further in its global presence by joining the Blockchain Summit London 2018 — the biggest blockchain forum in Europe. Here, Dr. Bao — CTO and co-founder of ZeroBank, one of the speakers at the event, spoke with other tech-peers about KYC and blockchain.\n\nZeroBank in the spotlight of the world’s top Blockchain Summit\n![0_8HY8W8QUqrxA1eFo.jpg](https://cdn.steemitimages.com/DQmerjpqtg5o2f5Le79T5W32P5jF9nzHpHB7NAJ7Um77bdr/0_8HY8W8QUqrxA1eFo.jpg)\nBlockchain Summit London is designed for market leaders, innovators and tech investors in the cryptocurrency and blockchain industry to explore, discuss and network about the latest trends as well as technological innovations in the blockchain industry.\n\nZeroBank did not miss the opportunity to show up at this prestigious blockchain conference by becoming Silver Sponsor and spread its reputable project around the world. ZeroBank also contributed to the blockchain event with a dedicated KYC and blockchain panel discussion by its co-founder and CTO, Dr. Bao.\n\nWords from the expert: blockchain application in KYC by Dr. Bao\n\n![0_gQNwn2WfUnAz02Qn.jpg](https://cdn.steemitimages.com/DQmSVnpp7hf3Rxd1FDMDvqpsP4H7AgadvkrTj9rKdHsKZHG/0_gQNwn2WfUnAz02Qn.jpg)\nThe KYC and blockchain panel discussion with Dr. Bao as one of the key speakers is among many other interactive learning sessions and inspiring speeches at the Blockchain Summit London. The panel looked at 3 main aspects:\n\nWhat challenges can blockchain solve for KYC?\nImproving adherence to KYC rules\nChanging how businesses think about identity\n- What is KYC?\n\nKYC (Know Your Customer) is a process to identify and verify the identity of clients. It’s a widely used and required process in financial institutions by which they obtain detailed customer’s information such as their name and address while opening a new account or starting business with a client.\n\n- What challenges can blockchain solve for KYC?\n\nTraditional KYC systems at current financial institutions have a centralised database of users and this data is updated each year. Therefore, this is a redundant process while considering all institutions together. This process is frequently done manually with a 4-eye check, which is not only time consuming but also error prone.\n\nSome major institutions have to face the KYC challenge as well. Due to successive acquisitions, they can have different KYC systems, which are, unfortunately, not really inter-connected.\n\nApplying blockchain into the KYC process may become an effective aid for banks as it helps prove the identity of customers more quickly and efficiently. With blockchain-based KYC, instead of giving raw information to an institution, users can (1) construct their profile by themselves, which is encrypted on the blockchain, (2) increase the profile rating with their daily activities, and (3) allow access to their profile when asked by institutions. Users become the owner of their data in this case. Their KYC profiles are constructed once and reused as they want.\n\n- How does this change how businesses think about identity & KYC?\n\nEveryone believes that KYC must be standardised globally and across different sectors so it will be easier to share information. We also should think about applying AI in making KYC a completely automatic process instead of verifying user’s data manually.\n\nMoreover, instead of constructing its own KYC process, an application or institution can use a third-party KYC service that is much more specialised and already covers a large portion of users. In this model, there is also a change of ownership of user’s data: it is the user who owns his or her data, not the financial institution.\n\n- How to apply KYC into blockchain-based applications?\n\nIn many fields using blockchain technology, particularly finance-related applications, the KYC process is not always appreciated due to its sluggish legalisation. For example, the holders of Bitcoin are not easily identifiable, according to Dr. Bao. Many tech innovators underestimate KYC and hesitate to apply KYC in their blockchain-based applications.\n\nHowever, we should be aware that cryptocurrencies will certainly be regulated in the near future since governments and regulators are actively working on this issue. So, Dr. Bao suggests that start-ups working on blockchain need to immediately design KYC in their systems in order to avoid legal issues or other complications in the future. Noticeably, in the finance sector, the compliance puzzle is very difficult and takes up a big part of financial institution’s expenses.\n\nSource: https://vietnamnews.vn/the-future-of-know-your-customer-kyc-with-blockchain-technology-shared-by-zerobanks-cto-dr-bao-ly/416",
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      "body": "Since ZeroBank’s debut, it has never been this HOT!\n\nWe are pleased to announce the closure of our Private Sale with a total of 125,000,000 ZB tokens SOLD which made us officially surpass our SOFTCAP.\n\nAnd here is the next big news you have been longing for:\n\nNo more waiting! ZeroBank PRE-ICO is HERE!\n![111111.jpg](https://cdn.steemitimages.com/DQmTvsas6T2ppCRCDJA4ZZQ2MCqeppvzCo8jnAHWHC6ufCF/111111.jpg)\n\n- Pre-ICO time: from 12th July 2018, 00:15 AM to 30th July 2018, 23:59 GMT+8 ​\n- Minumum contribution: 0.1ETH\n- Bonus at: 15%\nWhy should you participate in ZeroBank PRE-ICO?\n\n- ZeroBank is the most feasible ICO project in 2018 in the money exchange and remittance market utilizing blockchain, smart contracts and sharing economy\n- ZeroBank is guided and developed by banking and finance experts, entrepreneurs who have advanced knowledge as well as business experience in the remittance industry.\n- ZeroBank targets a promising and growing market, especially the tourism industry with 1.3 billion international tourists arrivals worldwide annually.\n- ZB tokens are more than just one kind of encrypted currency. After the ICO, you will be able to exchange ZB tokens into fiat currency or trade them on reputable cryto-exchange platform such as BINANCE, HOUBI\nWe are one step closer to a new world of money exchange and remittance! It’s time for you to join our revolution!\n\nJOIN PRE-ICO NOW: https://ico.zerobank.cash/",
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{
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      "author": "zerobank.system",
      "body": "![1_6vHMMzdu3NsdzPRZGdCPvg.png](https://cdn.steemitimages.com/DQmYhX7hk1J1TDEgfAVoBKidahDHZuuem3wuE59gkSqG6a7/1_6vHMMzdu3NsdzPRZGdCPvg.png)\nWe are more than happy to announce that 125,000,000 ZB tokens have been sold to our Angel Investors and through private deals! ZeroBank’s token sale officially exceeded our SOFTCAP.\n\nThank you for your support and belief in the work we’re passionate about.\n\nTo earn up to 50% extra bonus, you should buy ZB tokens NOW at: https://ico.zerobank.cash/\n\nOur Whitelist Presale will end on 11th July 2018, 23:59 (GMT+8)\n\nAfter the end of the Whitelist Presale, our Pre-ICO will officially start on 12th July 2018, 00:15 AM (GMT+8)\n\n-  Whitelisted participants will get 15% extra bonus.\n- The minimum contribution for each participant is 0.1 ETH.\n\nFollow us to get the latest updates on:\n\n- Telegram News: https://t.me/zerobank_news\n- Telegram Community: https://t.me/zerobank_cash\n- Telegram Chinese Community: https://t.me/zerobank_Chinesecommunity\n- Facebook: https://www.facebook.com/zerobank.cash/\n- Twitter: https://twitter.com/zerobank_cash\n- Website: https://zerobank.cash/",
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      "body": "### I smashed the upvote button for you!😉🎉🎉💨\n\nCONGRATZ to ZeroBank!!! 👌🎉🎉🎉\n\n# please stay tuned @fux\n\nfollow, upvote and please regularly comment my articles. I will upvote you soon! ;-)\n\n# use https://steemdunk.xyz\nand share your unused upvote power to me ;-)\nselect @fux for daily curation.\n\nletz keep in touch!\nhave a nice day!",
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      "body": "# Thanks  for sharing!\n### I smashed the upvote button for you!😉🎉🎉💨\n\n# please stay tuned @fux\n\nfollow, upvote and please regularly comment my articles. I will upvote you soon! ;-)\n\n# use https://steemdunk.xyz\nand share your unused upvote power to me ;-)\nselect @fux for daily curation.\n\nletz keep in touch!\nhave a nice day!",
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      "body": "ZeroBank team is pleased to announce that we’ve been receiving much support and attention from the community. Thanks to you, ZeroBank has achieved many milestones before our official Whitelist presale!\n\n- ZeroBank raised $4,000,000 in our private sale\n![1_Okwf7YccT-kl9I-P1UkogQ.jpeg](https://cdn.steemitimages.com/DQmcuAibC5hpFfjVX5UmcAo2nUXP9D2bG41ipwtFV9ZNR3S/1_Okwf7YccT-kl9I-P1UkogQ.jpeg)\n\nThis week, our private sale has reached U.S. $4,000,000. This is equivalent to 81,000,000 ZB tokens sold. After receiving remarkable scores from ICO rating agencies for ZeroBank project, numerous applications have been sent in to join our Private Sale.\n\nTo be specific, in the past 2 weeks we have received nearly 1,000 applications from those wishing to participate in early contribution with a minimum 10 ETH each.\n\nImpressive, isn’t it? With $4,000,000 of token value sold BEFORE our official Whitelist presale, if you want to join in our rapidly growing project, join our Whitelist now!\n\nZeroBank reached consensuses with popular cryptocurrency exchange listings — BINANCE, HOUBI, OKEX, IDAX, and XSTAR\n![1_JWqipGT0DRepLkPWKWGxFA.jpeg](https://cdn.steemitimages.com/DQmQyTLeRB2Y77zWTNE2YWD7vkKTVd2n5jAJSzBNYwyStkZ/1_JWqipGT0DRepLkPWKWGxFA.jpeg)\n\nZeroBank is gearing up its public presence by bringing ZB tokens to different trusted cryptocurrency exchange listings. We are in agreement towards long-term cooperation with the top cryptocurrency trading platforms such as BINANCE, HOUBI, OKEX, IDAX, and XSTAR.\n\nBINANCE, HOUBI, and XSTAR are the world’s leading trading platforms which provide professional and trusted cryptocurrency trade service. OKEX is a multi-cryptocurrency exchange platform which is well-known among professional traders. And IDAX is known for its secure technology protection, smooth transaction, strict process of currency checking, local policy support and fixed asset support.\n\nStay tuned for our latest updates on ZeroBank tokens listed on these trading platforms!\n\n- ZeroBank is expanding strategic regional partners portfolio aggressively\n![1_9sLdSUCm1OEoFlvf2INCTg.jpeg](https://cdn.steemitimages.com/DQmeARveLjcijnTfSFuhXw7ketoZcfPjqmGFDV6XHqdrd6z/1_9sLdSUCm1OEoFlvf2INCTg.jpeg)\n\nSince our debut, we have come into strategic partnership with many prominent regional strategic partners, including QFPay (China), Bac A Money Transfer (Vietnam), M4M Asia (Hong Kong), Ameertech (Singapore), AlphaWhale Capital (Singapore), etc.\n\nWith the support of the big players in the fields, especially QFPay which is a popular mobile payment and technology service provider serving over 1 million+ merchants across Asia, executing over 500 million mobile payment transactions in the last 6 years, we believe that to enlarge ZeroBank network and bring our product to a sizable community is significantly amplified.\n\n- ZeroBank project is rated as a reputable and promising ICO project\n![1_N5s0c33r7-afqaP6oX8jGA.jpeg](https://cdn.steemitimages.com/DQmegcb8vCUrTskdRWD9c9azVXGcxSEtKn5aGTiUVDzPv3b/1_N5s0c33r7-afqaP6oX8jGA.jpeg)\n\nYou may already know, ZeroBank was granted top scores on trusted and professional ICO ranking agencies. We got 4.5/5 on ICObench and 4.47/5 score on ICOholder. ICOmarks gave us a score of 9.3/10. COINcheckup also rated us 4.58/5. And last but not least, we ranked 4.6/5 on TrackICO.\n\nThese scores given by ICO experts emphasize the potential of ZeroBank to be the first money exchange and remittance platform that can revolutionize the current market by providing quicker, more secure, and more convenient service with lower costs.\n-  ZeroBank got featured at different blockchain forums around the world\n\nOur team did not miss the chance to introduce ZeroBank to the world by attending different blockchain conferences and exhibitions. We had our first public introduction at Blockchain Festival by Houbi in Vietnam. We became the sponsor and opened our Roadshow at “Blockchain Forum — Vision and Development” — the most prominent blockchain event in the country so far.\n\nThe most noticeable event we’ve attended so far is the Blockchain Summit London — the no.1 impactful blockchain conference in the world, attracting more than 2,500 industry leaders, tech innovators and investors.\n\nZeroBank project is introduced to the public not so long ago, yet we are gaining substantial popularity in the field of money exchange and remittance service.\n\nHere’s what you need to do next:\n\nJoin our WHITELIST PRESALE with up to 50% BONUS which starts from 9:00 AM July 10th GMT+8.\nJOIN NOW: https://zerobank.cash/",
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      "body": "This post will explain the detailed guideline regarding our brand new Dashboard. See below for details.\n1 — SIGN IN TO THE DASHBOARD\nZeroBank Dashboard can be accessed via the “Sign In” button on the top right of ZeroBank Website at any stage of our crowdsale, or at the hyperlink: https://ico.zerobank.cash/\n\n![1_e9mbAsSJXX8hPlVNfAbuFg.png](https://cdn.steemitimages.com/DQmeuhLLyUvcBPUYr2kmamrvK5DrKu3zmtstxnXrE7rjPXR/1_e9mbAsSJXX8hPlVNfAbuFg.png)\n\n- If you joined the first Bounty Program, you can use your Bounty account username and password to sign in. You may also use your email address as the username.\n- If you have already registered for ZeroBank Whitelist or Newsletter, kindly check your email inbox and use the password ZeroBank sent you to sign in.\n- Otherwise, sign up for a new account by clicking “Sign up” button. Once you finish registration, you will get a verification email to activate your account.\n2 — JOIN THE WHITELIST & KYC\nAfter signing in successfully, you will see the dashboard (illustration below). The Join Whitelist function is combined in the KYC function during the Whitelist stage. Unless you pass ZeroBank KYC, you will not be able to make contribution to ZeroBank.\n\n*Note: If you joined our Whitelist and already got the KYC Authentication Pass email, you do not need to follow this step.\n![0_tvL5036VwUKMiIAo.png](https://cdn.steemitimages.com/DQmdhbyHEv4hNboArtMXNWmwQGqpNeE8CjVqoYZvo9bXhCg/0_tvL5036VwUKMiIAo.png)\nTo start your KYC procedure, click on “Submit KYC” button. The “KYC and Whitelist registration” form will show up (illustration below). You can register as an individual (“I’m a person” tab) or a corporation (“I’m a business” tab). All fields are obligatory.\n![0_xToyMGpBZ0fFtUlp.png](https://cdn.steemitimages.com/DQmWfrcbVXGEjcAZjR4e3KhPo59F3KbkWy2PD1JzCPDV9Ry/0_xToyMGpBZ0fFtUlp.png)\n- Email address: This field should already be filled out using your account registration email address.\n- First name and Last name: Fill in your first name and last name exactly like shown in your identification document.\n- Nationality: Choose your nationality. Residents, citizens, and registered persons of the United States of America are restricted from participating in ZeroBank ICO.\n- Phone number: Input your current phone number. Please change the country code if needed. (This field may already be filled out if you signed up your new account on the Dashboard system.)\n- Ethereum wallet address: Input your ERC223-compatible ETH wallet address. This wallet address is where you will receive ZeroBank tokens after the ICO. You should use your PERSONAL Ethereum wallet such as: MyEtherWallet, Metamask, Parity, Mist, imToken, Ledger (hardware wallet); DO NOT use wallets from any exchanges (e.g. Coinbase wallet) or free Ethereum wallet for Android.\n- How much would you like to contribute? Input your contribution registration in ETH\n- Please upload pictures of your document (both front and back): Upload one of the following documents: Driver’s License, Identity Card, Residence Permit and Passport.\nThe “I’m a business” form has the same process but different information and documents required.\n\nAfter you complete filling out the form, please double-check your data, if everything is correct, click “Submit”.\n\nThe button then will be changed to “KYC Pending”. Please accept 7–10 working days for ZeroBank team to check and verify your KYC Application. ZeroBank will send the result of your KYC application via email or you can follow your KYC application status right on the dashboard.\n\n* KYC FAILED\nIf ZeroBank sends you an email notifying that you have failed the KYC procedure, please return to your Dashboard, click on “KYC failed” red button to get back to the KYC form, then click on the “Resubmit KYC” link below the KYC button. This time, please pay more attention to the information you fill in the form.\n![1_tKZy2fso0zebwEiJq9Pgbw.png](https://cdn.steemitimages.com/DQmQrSLwGZKCLnh6QyxH6gEkSwGqko1bM6ZKyhnqWhX7MXp/1_tKZy2fso0zebwEiJq9Pgbw.png)\nHere are some TIPS to make or break your KYC application\n- Your identification document must be valid (not expired). It also shouldn’t be modified in any way.\n- The scan/photo of the document should preferably be taken in natural sunlight or other bright area.\n- Make sure you take photos without any glare.\n- Make sure you capture your whole ID (no corner cutting) and that the photo is in focus.\n* KYC PASSED\nCongratulation! You are authorized to make your contribution. In the dashboard, you will see green button “KYC approved”.\n\nOur system will open for contributions on July 10th, 2018 at 09:00AM GMT+8. Mark the date!\n\n3 — MAKE CONTRIBUTION\nZeroBank system will be opened for Whitelist participants who passed KYC procedure to make your contribution between 09:00AM July 10th and 23:59 July 11th, 2018 GMT+8.\n\nPre-ICO and ICO participants will be able to contribute from July 12th to 30th, and from August 1st to 25th respectively.\n\n*NOTE: Please make sure your KYC Application completed and passed before the Private sale or Public Sale\n![1_j0DNH1n1NQ3-pVrjrcPkqQ.png](https://cdn.steemitimages.com/DQmQrD1ksc4W3sGE28iReoEWSsiUt5TSMYu7sWbZsoapzc6/1_j0DNH1n1NQ3-pVrjrcPkqQ.png)\n- Choose the currency you’d like to contribute by by clicking on the ETH or BTC icon.\n- You contribute: Input the value you’d like to contribute.\n- Bonus level: Your bonus level will automatically be calculated for you with the result of total ZB token you will get.\n- Promotion code: Fill in this field if you received a Bonus code after signing up for our newsletter from our previous events. Promotion codes are applicable to Pre-ICO and ICO contribution only.\n- Copy your ERC223-compatible ETH wallet address to the field “Your Ethereum Wallet Address”. This will be the wallet address where ZeroBank will send you ZB tokens later on.\nClick on “MAKE CONTRIBUTION” to move to the next steps.\n![1_dGPz5eMuB6yIvvDT1U0TCQ.png](https://cdn.steemitimages.com/DQmaGmQzx5yN3AE3T28APSTLfcpmAZ3Ka9KTjqaggora8vC/1_dGPz5eMuB6yIvvDT1U0TCQ.png)\n\nAfter reviewing your order, make a transfer to a wallet address the system provides you under the Send Contribution section.\nOnce you’re done transferring your contribution, copy your transaction Txid to the field “Txid” under the Proof of Contribution section and click on “CONTRIBUTE”.\nWell-done! You just completed making your contribution to ZeroBank!\nNow you only have to wait for ZeroBank to verify your transaction and send you an email notification. If you have any further questions, do not hesitate to contact us at [email protected].\n\nFollow us to get the latest updates on:\n\n- Telegram News: https://t.me/zerobank_news\n- Telegram Chinese Community: https://t.me/zerobank_Chinesecommunity\n- Facebook: https://www.facebook.com/zerobank.cash/\n- Twitter: https://twitter.com/zerobank_cash\n- Website: https://zerobank.cash/",
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