Crestonium

Cryptocurrency Platform & Cryptocurrency Banking

WHITEPAPER
Version: 0.89. (22 January 2018)

Page 1 of 38

Copyright 2018 @ Crestonium

 Page 2 of 38

Copyright 2018 @ Crestonium

Terms & Conditions

CXS Tokens and Crestonium Platform are not intended to constitute securities in any jurisdiction. This
Whitepaper does not constitute a prospectus or offer document(s) of any sort and is not intended to
constitute an offer of securities or a solicitation for investment in securities in any jurisdiction.

You are not eligible and you are not to purchase CXS tokens (as referred to in this Whitepaper) if you do
not agree with the disclaimer and the terms and conditions of Crestonium.

Please read these terms and conditions of use carefully before accessing, using or obtaining any
materials, information, products or services. By accessing, the Crestonium website, mobile or desktop
application, or any other feature or other Crestonium platform (collectively “Our Website”) you agree to
be bound in full by these terms and conditions (“Terms”) and our Privacy Policy.

Do not continue to use Crestonium website, Whitepaper and CXS Tokens If you do not accept all of the
terms and conditions stated in this document.

These terms and conditions outline the rules and regulations for the use of Crestonium Website,
Whitepaper and Crestonium token CXS.

Crestonium’s head office location is at Zurich, Switzerland. It is subject to a market best practice audit in
accordance with European regulations thereby ensuring total transparency and absolute accountability
of all Crestonium activities.

Switzerland has been chosen for its unique bank system and clients data privacy and policy. Its security
and neutrality are of high esteem for Crestonium and other companies.

The following terminology applies to these Terms and Conditions, Privacy Statement and Disclaimer
Notice and any or all Agreements: “Client”, “You” and “Your” refers to you, the person accessing this
website and the CXS Token and accepting the Company’s terms and conditions. “The Company”,
“Ourselves”, “We”, “Our” and “Us”, refers to our Company - Crestonium. “Party”, “Parties”, or “Us”,
refers to both the Client and ourselves, or either the Client or ourselves. All terms refer to the offer,
acceptance and consideration of payment necessary to undertake the process of our assistance to the
Client in the most appropriate manner, whether by formal meetings of a fixed duration, online
conversations, emails or any other means, for the express purpose of meeting the Client’s needs in
respect of provision of the Company’s stated services/products, in accordance with and subject to,
prevailing law of Switzerland. Any use of the above terminology or other words in the singular, plural,
capitalization and/or he/she or they, are taken as interchangeable and therefore as referring to same.

Page 3 of 38

Copyright 2018 @ Crestonium

Risks and Uncertainties

Anyone wanting to purchase CXS Tokens should carefully consider and evaluate all risks and
uncertainties associated with Crestonium and CXS Tokens, the Initial Token Sale and the Crestonium
Wallet (each as referred to in the Whitepaper).

All information set out in this Whitepaper and the Terms & Conditions and Disclaimer should be
carefully evaluated prior to any purchase of CXS tokens.

If any of such risks and uncertainties develops into actual events, the business, results of operations and
prospects of Crestonium could be materially affected. In such cases, you may lose all or part of the value
of the CXS tokens.

It is imperative that all risk factors identified below along with all the information contained in the
Terms of Use before deciding to participate in the Crestonium ICO (CXS) crowdsale. If any of the
following considerations, uncertainties or material risks develops into actual events, the business,
financial position and/or results of operations of the Company and the maintenance and level of usage
of the Crestonium and the CXS Tokens could be materially and adversely affected.

These forward-looking statements involve known and unknown risks, uncertainties and other factors
that may cause the actual future results, performance or achievements of Crestonium. These factors
includes, but are not limited to war or acts of international or domestic terrorism, occurrences of
catastrophic events, any risk and uncertainties associated with Crestonium, natural disasters and acts of
God, changes in the availability and fees, changes in preferences of customers, changes in the future
capital need, changes in interest rates and exchange rates, the risk that Crestonium may be unable to
execute or implement their respective business strategies and future plans and other factors beyond the
control of Crestonium.

The CXS Token refers to an advanced cryptocurrency, implemented on the Ethereum blockchain (the
“Ethereum Platform”) as an ERC20 token.

CXS Tokens are intended to be used within the Crestonium Platform and for all transactions within the
existing Crestonium ecosystem.

Page 4 of 38

Copyright 2018 @ Crestonium

Risks of Crowdsales
All cryptocurrencies are highly volatile, extremely risky and unstable. You may lose some or all of your
money by investing in cryptocurrency market. Since the price of CXS is currently tied to price of BTC the
value of CXS may fluctuate based on the volatilities of the market.

CXS is only an utility token and not an asset. It can only be used for transactions and is currently not
backed by any hard assets or other credit although it’s planned for the future. Consequently, CXS will be
priced independently by markets and exchanges similar to other cryptocurrency tokens. The price of CXS
will be mostly defined by external factors and market forces that are outside the control and purview of
the Crestonium Company.

No regulatory authority has examined or approved of any of the information set out in this Whitepaper.
No such action has been or will be taken under the laws, regulatory requirements or rules of any
jurisdiction. The publication, distribution or dissemination of this Whitepaper does not imply that the
applicable laws, regulatory requirements or rules have been complied with.

Cookies
We employ the use of cookies. By using Crestonium's website you consent to the use of cookies in
accordance with Crestonium’s privacy policy. Most of the modern day interactive web sites use cookies
to enable us to retrieve user details for each visit. Cookies are used in some areas of our site to enable
the functionality of this area and ease of use for those people visiting. Some of our affiliate / advertising
partners may also use cookies.

License
Unless otherwise stated, Crestonium and/or it’s licensors own the intellectual property rights for all
material on Crestonium. All intellectual property rights are reserved. You may view and/or print pages
from https://www.crestonium.io for your own personal use subject to restrictions set in these terms
and conditions.

You must not:

Republish material from https://www.crestonium.io

Sell, rent or sub-license material from https://www.crestonium.io

Reproduce, duplicate or copy material from https://www.crestonium.io

Page 5 of 38

Copyright 2018 @ Crestonium

Redistribute content from Crestonium (unless content is specifically made for redistribution).

Hyperlinking to our Content

The following organizations may link to our Web site without prior written approval:

Government agencies;

Search engines;

News organizations;

Online directory distributors when they list us in the directory may link to our Web site in the same
manner as they hyperlink to the Web sites of other listed businesses; and Systemwide Accredited
Businesses except soliciting non-profit organizations, charity shopping malls, and charity fundraising
groups which may not hyperlink to our Web site.

These organizations may link to our home page, to publications or to other Web site information so long
as the link: (a) is not in any way misleading; (b) does not falsely imply sponsorship, endorsement or
approval of the linking party and its products or services; and (c) fits within the context of the linking
party's site.

We may consider and approve in our sole discretion other link requests from the following types of
organizations:

dot.com community sites;

associations or other groups representing charities, including charity giving sites,

online directory distributors;

internet portals;

accounting, law and consulting firms whose primary clients are businesses; and

educational institutions and trade associations.

Page 6 of 38

Copyright 2018 @ Crestonium

We will approve link requests from these organizations if we determine that: (a) the link would not
reflect unfavorably on us or our accredited businesses (for example, trade associations or other
organizations representing inherently suspect types of business, such as work-at-home opportunities,
shall not be allowed to link); (b)the organization does not have an unsatisfactory record with us; (c) the
benefit to us from the visibility associated with the hyperlink outweighs the absence of ; and (d) where
the link is in the context of general resource information or is otherwise consistent with editorial
content in a newsletter or similar product furthering the mission of the organization.

These organizations may link to our home page, to publications or to other Web site information so long
as the link: (a) is not in any way misleading; (b) does not falsely imply sponsorship, endorsement or
approval of the linking party and it products or services; and (c) fits within the context of the linking
party's site.

If you are among the organizations listed in paragraph 2 above and are interested in linking to our
website, you must notify us by filling a contact form on our website.

Please include your name, your organization name, contact information (such as a phone number or e-
mail address) as well as the URL of your site, a list of any URLs from which you intend to link to our Web
site, and a list of the URL(s) on our site to which you would like to link.

Approved organizations may hyperlink to our Web site as follows:

By use of our corporate name; or

By use of the uniform resource locator (Web address) being linked to; or

By use of any other description of our Web site or material being linked to that makes
sense within the context and format of content on the linking party's site.

No use of Crestonium’s logo or other artwork will be allowed for linking absent a trademark license
agreement.

Iframes
Without prior approval and express written permission, you may not create frames around our Web
pages or use other techniques that alter in any way the visual presentation or appearance of our Web
site.

Page 7 of 38

Copyright 2018 @ Crestonium

Reservation of Rights
We reserve the right at any time and in its sole discretion to request that you remove all links or any
particular link to our Web site. You agree to immediately remove all links to our Web site upon such
request. We also reserve the right to amend these terms and conditions and its linking policy at any
time. By continuing to link to our Web site, you agree to be bound to and abide by these linking terms
and conditions.

Removal of links from our website

If you find any link on our Web site or any linked web site objectionable for any reason, you may contact

us about this issue. We will consider requests to remove links but will have no obligation to do so or to
respond directly to you.

Whilst we endeavor to ensure that the information on our website and in this Whitepaper is correct, we
do not warrant its completeness or accuracy; nor do we commit to ensuring that the website and the
whitepaper remains available or that the material on the website or the whitepaper is kept up to date.

Content Liability
We shall have no responsibility or liability for any content appearing on your Website or other content.
You agree to indemnify and defend us against all claims arising out of or based upon your Website or
content.

No link(s) may appear on an page on your Web site or within any context containing content or
materials that may be interpreted as libelous, obscene or criminal, or which infringes, otherwise
violates, or advocates the infringement or other violation of, any third party rights.

To the fullest extent permitted by applicable law, in no event shall the company or any of the other
parties be liable for any indirect, special, incidental, consequential, exemplary or punitive damages of
any kind or for loss of revenue, income or profits, loss of use or data, loss or diminution in value of
assets or securities, or damages for business interruption arising out of or in any way related to the
access or use of the sites, content or CXS tokens or otherwise related to this agreement (including, but
not limited to, any damages caused by or resulting from reliance by any user on any information
obtained from CXS digital, or from mistakes, omissions, interruptions, deletions of files or emails, errors,
defects, bugs, viruses, trojan horses, delays in operation or transmission or any failure of performance,
whether or not resulting from acts of god, communications failure, theft, destruction or unauthorized
access to the company’s records, programs or systems), regardless of the form of action, whether based

Page 8 of 38

Copyright 2018 @ Crestonium

in contract, tort (including, but not limited to, simple negligence, whether active, passive or imputed), or
any other legal or equitable theory (even if the party has been advised of the possibility of such damages
and regardless of whether such damages were foreseeable).

To the fullest extent permitted by applicable law, in no event shall the maximum aggregate liability of us
arising out of or in any way related to .

Page 9 of 38

Copyright 2018 @ Crestonium

Disclaimer
To the maximum extent permitted by applicable law, we exclude all representations, warranties and
conditions relating to our website and the use of this website (including, without limitation, any
warranties implied by law in respect of satisfactory quality, fitness for purpose and/or the use of
reasonable care and skill). Nothing in this disclaimer will:

limit or exclude our or your liability for death or personal injury resulting from negligence;

limit or exclude our or your liability for fraud or fraudulent misrepresentation;

limit or exclude our or your liability for loss of your investment;

limit any of our or your liabilities in any way that is not permitted under applicable law; or

exclude any of our or your liabilities that may not be excluded under applicable law.

The limitations and exclusions of liability set out in this Section and elsewhere in this disclaimer:
(a)

are subject to the preceding paragraph; and (b) govern all liabilities arising under the disclaimer
or

in relation to the subject matter of this disclaimer, including liabilities arising in contract, in tort

(including negligence) and for breach of statutory duty.

To the extent that the website and the information and services on the website and in this whitepaper
are provided free of charge, we will not be liable for any loss or damage of any nature.

ELECTRONIC COMMUNICATIONS
When you visit crestonium.io or send e-mails to us, you are communicating with us electronically. You
consent to receive communications from us electronically. We will communicate with you by e-mail or
by posting notices on this site. You agree that all agreements, notices, disclosures, invoices, and other
communications that we provide to you electronically, satisfy any legal requirement that such
communications be in writing.

Page 10 of 38

Copyright 2018 @ Crestonium

 Int rod uct ion

State of Cryptocurrency

In short, crypto-currency is a digital currency that is decentralized - there is no owner as bank or

government, the people itself own it. The advantage is minimum (or zero) fees and in most cases instant
transaction time for transaction from anywhere in the world.

Right now there are many different kinds of crypto-currencies - over 100+ of them. But there is no bank
or crypto-currency bank that will allow to store majority of them and most importantly spend them.
That is the problem of a modern crypto-currency age and we are here to solve this problem.

There are several major factors in which Crestonium differs from their competitors. The most prominent
one is 0% fees policy.

Another advantage is instantenous transfer and support of many different crypto-currencies.

On top of that Crestonium offers 100% Token Holder Protection guarantee. The user will get a full
refund of their originally transaction if the value of CXS doesn’t appreciate 150% within 6 months of the
end of ICO.

The technological quantum leap of crypto-currency is the ability to now achieve global consensus over a
decentralized and distributed network without a trusted third party which eliminates many useless
factors as fees and long transaction times. Not all crypto-currencies achieve these goals however.

What is Crestonium

Crestonium offers the seamless experience of sending and receiving currency globally at zero cost. We
aim to provide unlimited usage to mainstream users as cryptocurrency becomes a phenomenon
accepted by all. Crestonium was built, not only for storage, but for actual spending – which remains one
of the significant challenges of modern cryptocurrency.

Crestonium prides itself as being one of the few cryptocurrencies out there with zero fees and
transaction speed within a fraction of a second.

Formed within the blockchain, and subject to automatic execution upon the occurrence of pre-defined
criteria/events and subject to certain conditions, CXS tokens are valid indefinitely and are the property
of their respective holders. Crestonium Platform uses a standard OpenAPI so your contract will be
automatically compatible with any wallet, and any other contract or exchange also using this standard.

Page 11 of 38

Copyright 2018 @ Crestonium

Crestonium is offering not just a Mobile app but also a fully synchronized Desktop app. Crestonium
connects your blockchain assets for everyday use. The credit card and banking license will allow us to be
a hub for the blockchain ecosystem, to connect you to the real-world. We are using a protocol where
every blockchain is connected which enables us to provide you with 0% fees. The blockchain ecosystem
also allows us to scale for the masses and be more inclusive.

Inclusivity of Crypto-Currencies

We believe that the inclusivity of all crypto-currencies is very important since not only everybody owns
and believes in different crypto-currencies but also the market is made out of all cryptocurencies
together. Some crypto-currencies may fall or underappreciate greatly while others can raise to the top
and overtake popular coins. That’s why Crestonium will support as many crypto-currencies as possible.
Our ultimate goal is to support ALL crypto-currencies.

ICO Summary

The initial market value of 1 CXS is set to be 0.00002 BTC.

Currently we accept the following crypto-currencies:

- Bitcoin BTC
- Ethereum ETH
- Ripple XRP
- Stellar Lumens XLM
- Monero XMR
- Litecoin LTC
- Dash DASH
- Bitcon Cash BCH
- Ethereum Classic ETC

We also accept Paypal.

All tokens will be delivered after the purchase. You can also send CXS manually from the user dashboard
– for example CXS earned from referrals or extra CXS purchased at a later date.

More information about how to set up an Ethereum wallet can be found on the website.

On the page below, you can find a table with a representation of the ICO overview.

Page 12 of 38

Copyright 2018 @ Crestonium

 Page 13 of 38

Copyright 2018 @ Crestonium

 T he T eam

“Lot of people have great ideas but what matters is the

execution of them.”

At Crestonium the customer service and delivering and outstanding product are our number one
priorities.

Crestonium’s development team is always active and perpetually in close contact with the community.

We understand the true value of building and developing an initiative and have made our reward
program and loyalty a core part of the Crestonium dream.

Our international team is comprised of experts from across the world, providing us with the edge over
similar companies. Such specialists are necessary in order to deliver a truly outstanding and
technologically advanced product.

We value our customers and provide you with premier protection and safety. Trust between consumers,
merchants, and issuers has always been critical for us.

Feel free to contact us if you need any help or have any questions. We are here to help you and will
respond to your inquires as soon as possible.

Page 14 of 38

Copyright 2018 @ Crestonium

Selected Team Members:1

Chris Peters
CEO & Co-Founder

Chris specializes in Start-ups, Blockchain, Crypto-currency, Software Development, Banking and the
Financing Sector.

He is an innovator, with an energy for propelling new technologies into new markets, domestic and
worldwide, building organizations with awesome groups, and strong innovation. He has expansive
worldwide involvement with product creation and the formation of companies.2

Jan Stejskal
CTO & Co-Founder

Jan is a Blockchain entrepreneur, investor, and product visionary for digital media-related products and
services.

He has a deep passion for blockchain technology, and extensive knowledge of its application to solve
real-world problems

Extensive expertise in Finance, Management, Business Strategy and Leadership provide him with the
perfect background to be working on Crestonium.3

1
Not all members of the team are listed as that would make the whitepaper too long
2
https://www.linkedin.com/in/chrispetersceo/
3
https://www.linkedin.com/in/jan-stejskal

Page 15 of 38

Copyright 2018 @ Crestonium

 Gloria McClory
COO & Co-Founder

She is currently Chief Operations Officer at Crestonium.

Professional experience includes corporate M&A, strategy and business development, as well as
transaction advisory including supervising, planning and project management.

Her prior experiences include risk management advisory and the implementation of internal control
systems.4

Ying Ching Shen

CPO & Co-Founder

Ying Ching Sheng from Taiwan demonstrated start-up experience, managing all aspects of finance, client
relationship, business development, information technology, together with regulation, legal and
operations.

An executive with solid experience in Business Development, Sales & Marketing and Strategic Planning,
he is an Internet specialist and our specialist on Asian markets.

His extensive experience includes transformation of businesses IT turn-around, and governance in a

national and international context.

4
https://plus.google.com/101409125203085378223

Page 16 of 38

Copyright 2018 @ Crestonium

 Sophia Koh
Head of Customer Service

Sophia is a highly versatile business leader with years of multi-national experience. Her multi-cultural
background and experience furnishes her with a master knowledge of US, Swiss, and German
marketplaces.

She has a proven track record of strategy development and implementation in various business areas
while increasing customer focus and satisfaction.

Sophia is independent and embraces new challenges in a climate of transformation and change.5

Jean Gomez
UI Expert & Designer

Jean is a front-end developer and designer praised as a creative, proactive and curious solution-maker.

She has been a consultant for many significant companies (CK Graphic, Business & Graphic Design, Abu
Dhabi Center, ...) and administrations in many different countries.

Jean takes pride in participating in extremely challenging and innovative projects.

Her areas of expertise include Front-End UI/UX, PHP/MySQL, iOS/Android and SEO.

5
https://twitter.com/Crestonium_io
https://www.facebook.com/sophia.koh.9619

Page 17 of 38

Copyright 2018 @ Crestonium

 Neil Lowery
Blockchain Engineer

Neil’s specialty is High Availability, Automation, Cloud Technologies and Virtualization. He also focuses
on Product Lifecycles, Infrastructure Software Regression Testing, Software Deployment Automation
and Technical Instruction.

He is proficient in Linux, Python, FreeBSD, Objective-C, Apple iOS, Asterisk, Postfix, Perl, Mercurial and
Git.

Li Yong
Senior Financial Manager

Li Yong has primary experience in banking and finance. He possesses strong management and leadership
skills, cross-cultural general management, and regulatory and Compliance know-how.

Li is a strategic thinker with strong presentation and negotiation skills.

Mikoto Sato
Lead Product Designer

Mikoto is our Japanese Lead Product Designer, and she excels at technology, mobile apps, and the latest
trends in general. She started designing about 18 years ago.

A team player, Mikoto has a keen eye for UI details, simple but elegant design, and Usability

Her specialty is UI / UX design, product design, visual, and interaction design animation.

Page 18 of 38

Copyright 2018 @ Crestonium

 Paul Noack
Senior Software Developer

Swiss Senior C++ and Java Developer with deep knowledge in JVM, UNIX Systems and Oracle RDBMS.

Broad Experience with Software development on IBM's iSeries and Intel-based platform (Windows)
using RPG, CL, PowerBuilder, Oracle PL/SQL, PHP, Java and C#.Net. Automation in Ruby, Python, and
UNIX shell.

Helena Vogt
UX Expert

Helena is an UX Expert and focuses on creating user-friendly digital solutions and front-end systems
driven by the user’s needs.

She is excellent at finding creative research and development in the area of blockchain, and also
experienced in graphic design and project management.

Rebecca Kraus
Human Resources

Rebecca is at Crestonium for our everyday needs, and her expertise goes way beyond HR operations
functions and includes resource management, MIS & Reporting, conceptualizing, and executing the
development of new modules.

She has extensive global work experience (HR Operations with responsibility and Global HR Strategy).

Page 19 of 38

Copyright 2018 @ Crestonium

 T HE PR OBL EM

Security Issue

There are approximately 3.7 billion6 people with access to the Internet and approximately 2.1 billion7
people with mobile devices and majority of these people don’t currently have access to traditional
exchange. These people are primed for the Cryptocurrency market.

Cryptocurrency can be used at an international level without experiencing any problems that are usually
tied with the traditional currency. This, in turn, saves lots of time as well as money on the part of any
business or individual which is otherwise spent in transferring money from one country to the other.
Cryptocurrency operates at the universal level and hence makes transactions quite easy.

There is no other electronic cash system in which your account isn’t owned by someone else. Take
PayPal, for example: if the company decides for some reason that your account has been misused, it has
the power to freeze all of the assets held in the account, without consulting you. It is then up to you to
jump through whatever hoops are necessary to get it cleared, so that you can access your funds.
Traditional currencies represent big security issue seeing that the companies and third-party services
own your money.

With cryptocurrency, you own the private key and the corresponding public key that makes up your
cryptocurrency address. No one can take that away from you (unless you lose it yourself, or host it with
a web-based wallet service that loses it for you due to inefficiency, hackers or mismanagement).

Spending Obstacles

The reluctance to spend one’s cryptocurrency holdings can be attributed to a few different reasons. First
of all, most people believe the value of their digital currencies is going to continue to increase
indefinitely. This isn’t an entirely irrational assumption, but baked into it is a very positive belief about
the future performance of their investments.

The more likely outcome is some cryptocurrencies will go up and then sharply drop out of existence.
This possibility should be mitigated by selling or spending some of the profits from a cryptocurrency so
you can at least gain back the money you originally invested. The second reason why people don’t spend

6
https://www.internetsociety.org/globalinternetreport/2016/wp-content/uploads/2016/11/ISOC_GIR_2016-
v1.pdf
7
https://www2.deloitte.com/content/dam/Deloitte/nl/Documents/technology-media-
telecommunications/deloitte-nl-tmt-global-mobile-consumer-survey-2016.pdf

Page 20 of 38

Copyright 2018 @ Crestonium

their cryptocurrencies is tied to the first: it is not yet convenient to spend cryptocurrencies. There is no
solution currently available that would enable for a fluid interaction of the exchange and in-person
spending parts of the ecosystem.

High Cost of Transactions

Finally, you have the issue of the costs associated with selling cryptocurrency. Every exchange has its
own fee structure and design, but as a general rule, users can expect to pay fees on a per transaction
basis on top of a high exchange rate. This is fine if you are just looking to unload your cryptocurrency,
but if you expect to be trading frequently or shopping with cryptocurrency, then this can be a significant
cost. It is even impossible to purchase small items or products like coffee with cryptocurrency as the
fees and exchange rates are just too high.

According to data obtained by BitInfoCharts8, people pay an average of $28 to make transactions using
the digital currency, according to data by users of cryptocurrency exchanges like Coinbase incur such
transaction fees when transferring money to an external Bitcoin address.

8
https://bitinfocharts.com/comparison/bitcoin-transactionfees.html

Page 21 of 38

Copyright 2018 @ Crestonium

 T he S olut ion

Secure

Crestonium is tailored for everyday use and provides a robust and secure environment for
Cryptocurrency. Direct transactions and instant exchange are just some of the features of Crestonium.
Accessible 24/7 worldwide on a laptop, desktop or mobile devices alike. Bank-grade security and next
generation account protection. Encrypted SSL connection over HTTPS, 2-factor authentication and
trusted IPs.

Storage and Spending

We provide a cryptocurrency storage of many crypto-currencies - BTC, LTC, ETH, BCH, XRP, EOS, XMR,
XLM, NEO, ADA, TRX, DASH, XVG, IOT, ZEC, XRB, and the list is growing every day. That is many more
accepted cryptocurrencies than any of our competitors. Many people believe in and own different
cryptocurrencies, which is why this is an important feature. The same goes for spending the
cryptocurrencies as the same amount of different cryptocurrencies can also be spend.

Zero Cost of Transactions

You can spend many crypto-currencies and pay instantly without the necessity and hassle of having to
exchange the cryptocurrency beforehand. All with 0% fees. Most of our competitors charge some kind
of fee to increase their profits, but for us our community is the number one priority.

Considering you've got to pay a network fee every time you want to transfer cryptocurrency, it’s totally
understandable that you would want to avoid excessive exchange fees. We are developing
cryptocurrency of a third generation and we want to give our users 0% fees. We also offer low exchange
rates and instant transactions.

Overall, cryptocurrencies have a long way to go before they can replace credit cards and traditional
currencies as a tool for global commerce.

The fact, many people are still unaware of cryptocurrency in its form as a digital currency. The populace
need to be educated about it to be able to apply it to their lives. Businesses need to start accepting it
They need to make it easier to sign up and get started.

Page 22 of 38

Copyright 2018 @ Crestonium

We want to provide the usage to mainstream everyday users as Cryptocurrency becomes more and
more popular and mainstream. This will result in a need of a cryptocurrency bank – not just for storage
but for spending which is a big problem of cryptocurrency nowadays.

Page 23 of 38

Copyright 2018 @ Crestonium

 C res ton ium T ok en Sale Off erin g
To stimulate growth and further the cause of Crestonium, we have designed a sales period pattern for
our pre-ICO stage, of which you can become an early participant today. We offer extensive bonuses for
our pre-sale period:

 Pre-Sale: 25-45% Extra Tokens

 1st Sale Period: 15% Extra Tokens

 2nd Sale Period: 10% Extra Tokens

 3rd Sale Period: 5% Extra Tokens

The pre-sale period extension can be reviewed below this page.

Page 24 of 38

Copyright 2018 @ Crestonium

 Page 25 of 38

Copyright 2018 @ Crestonium

 T oken Hold er D ist rib ut ion

Majority of the Tokens will go to our contributors and supporters – a big chunk of 73%. On the contrary
to other ICOs and companies our team and advisors will take only tiny amount of 5% of the total token
generation.

Page 26 of 38

Copyright 2018 @ Crestonium

8% is dedicated to Foundation which is much needed to lay groundbreaking developments and
innovations. A small portion of the total tokens will also go to our Strategy Partners and for a Bounty to
further establish our community.

The rest of 10% is in Reserve.

Page 27 of 38

Copyright 2018 @ Crestonium

 Us e of p roc eeds
It is important to us that our community knows how the funds will be spent. Which is why we have also
produced a Use of Proceeds graph to illustrate this.

As you can see most of the funds will be used on Software and Business Development. Since the
software takes the major bulk of the product, our experts are working around the clock to deliver an

Page 28 of 38

Copyright 2018 @ Crestonium

outstanding application. Further on this can be discovered while reading our Roadmap which describes
the Software and Business Development and other goals in detail together with dates and deadlines.

9% of the funds are going to be used for Marketing purposes as getting majority of the users on board is
a crucial task in overcoming majority of the issues we currently have with cryptocurrency.

Crestonium also needs to spend funds on operation expenses like running servers or other operating
expenses to keep the business running well including, but not limited to general expenses, telephone
expenses, research expenses and administrative expenses.

Important notice: Crestonium will NOT generate any new CXS tokens after the Initial Token Sale is
finished.

Page 29 of 38

Copyright 2018 @ Crestonium

T echn ology an d D esig n

The Psychology of Decimals

There are discussions among the community to standardize the 18 decimal places even more. On top of
that many applications as wallets default to 18 decimal places.

After all of these aspects were considered, we have decided as a team, to support the standard 18
decimal places and resolve the psychological issue via smart interface screening.

One of the reasons we have initially set the value of CSX lower was to combat this, however that might
change in the future.

The technology behind Bitcoin is currently less developed than worlds’ interest in it. That is true for
other crypto-currencies as well, however the public interest in other coins is not so widespread as it is
with Bitcoin. This will change over time however and it’s the responsibility of professional and
companies to develop the technology and projects with responsibility to their users.

Moreover, adoption is challenging and it’s what often people reject but Crestonium is bringing familiar
functions together to support the unknowns of crypto-currency.

Each Bitcoin is divisible to 8 decimal places and each crypto-currency uses different decimal places while
some share the same. The fiat currency we have always known is divisible to only 2 decimal places which
represents a huge paradigm shift.

Theoretically, this is a source of strength but the issue is that there is a vast gap between theory and
reality.

For mass adoption perception is the reality and psychology matters a great deal. At Crestonium we are
aware of these issues that stand (as one of many) behind the mass adoption of crypto-currency and aim
to eliminate these.

One of possible solutions is a simple one – simply representing the amount in fiat currency or
denominating Bitcoins/other cryptocurrency in mBTC and uBTC. This all falls into UI and UX design which
needs to be smart enough to counter these psychological issues.

The decimal place at its’ core goes well into history and has the psychological impact of nominal
representations of wealth.

Page 30 of 38

Copyright 2018 @ Crestonium

Numbers, psychology and value all interact inside our minds. Research on pricing psychology suggests
that numbers and their arrangement around the decimal place influence perceived value.

As the eyes move left to right, digits to the left of the decimal place are most significant for us. We have
learnt to see these numbers as important. We have learnt to overlook anything laying to the right. This
leads to an overall rounding-down effect in one’s mind. The exception being ‘special offer’ situations,
with numbers to the right of the decimal ending in seven or nine.

Technology

Blockchain is an irrefutably resourceful invention which is practically bringing about a revolution in the
global business market. Its evolution has brought with it a greater good, not only for businesses but for
its beneficiaries as well.

To start with, Blockchain technology serves as a platform that allows the transit of digital information
without the risk of being copied. It has, in a way, laid the foundation of a strong backbone of a new kind
of internet space. Originally designed to deal with Bitcoin - trying to explain the layman about the
functions of its algorithms, the hash functions, and digital signature property, today, the technology
buffs are finding other potential uses of this immaculate invention which could pave the way to the
onset of an entirely new business dealing process in the world.

Crestonium protocol, to define in all respects, is a kind of algorithm and data distribution structure for
the management of electronic cash without the intervention of any centralized administration,
programmed to record all the financial transactions as well as everything that holds value.

Veterans of the industry claim that blockchain lives in a state of consciousness. It practically checks on
itself every now and then. It's similar to a self-auditing technology where its network reconciles every
transaction, known as a block, which happens aboard at regular intervals.

The Crestonium cryptocurrency is highly transparent, and at the same time, it cannot be corrupted. Each
and every transaction that takes place on this server is embedded within the network, hence, making
the entire thing very much visible all the time to the public. Furthermore, to edit or omit information on
blockchain asks for a humongous amount of efforts and a strong computing power. Amid this, frauds
can be easily identified. Hence, it's termed incorruptible.

Blockchain technology is becoming increasingly mainstream and overtaking most of the markets. It is
vital that we take advantage of this technology to improve our lives and transform the society.

Crestonium brings blockchain technology into our everyday lives. The team behind Crestonium has been
building real-world applications.

Page 31 of 38

Copyright 2018 @ Crestonium

Crestonium is fully compatible with traditional blockchains such as Bitcoin and Ethereum and also with
all other third party blockchain networks connected to the real world. Crestonium blends the crypto-
world and the real world to open and inspire new business possibilities and connectivity.

We aim to connect many different businesses and eliminate the need of having many different accounts
and payment requirements. This will enable you to make payments with ease without having to rely on
traditional, slow and expensive methods of payments.

Crestonium Features

Crestonium is very flexible and provides its’ respective users with a Standardized Open Platform APIs.
That means any developer can produce their own applications and solutions, further increasing the
usability and options of the Crestonium platform.

There are many products that can be implemented via the Crestonium API such as Cryptocurrency
Exchanges, variable complex secure wallets, Integrated Services, Automated Regular Payments and
more.

Other features of Crestonium includes digital Quality Assurance Process, Smart Contracts at Transaction
Level, Processing Speed Exceeding 5000TPS, Building Blocks and Robust and Secure System.

Most importantly our focus is on security of the blockchain and Crestonium. Advanced Encryption &
Anonymity and Off-Chain Storage are one of the advanced features that Crestonium offers. Private Keys
Recovery and Immutability are also covered.

Crestonium is suited for both Business and Private Sector as it offers Very Advanced Features and
improves collaboration between consumers, merchants, and issuers. We also provide Integration
Services and connect Enterprises to help business in their endeavors.

Page 32 of 38

Copyright 2018 @ Crestonium

Th e R oad map

Page 33 of 38

Copyright 2018 @ Crestonium

 Page 34 of 38

Copyright 2018 @ Crestonium

 C res ton ium Ben ef its

9
The real fees are higher due to lowest exchange rate not being used

Page 35 of 38

Copyright 2018 @ Crestonium

We present a short preview of Crestonium’s advantages over other products currently on the market.
You can see from the comparison that Crestonium provides many advantages over other cryptobanks
including, but not limited to, Fully Customizable UI, Better Security, higher amount of supported crypto-
currencies and App localization.

Since cryptocurrency security is a significant issue in the modern cryptocurrency age, we offer a highly
secure option of hardware and paper wallet. On the other hand we still support Hosted wallet and
Smart Contract for the users’ convenience.

The comparison table also shows that the more competition is on the market the better the situation for
the community and the users. If other cryptobanks realizes there are better products on the market
perhaps they will also adjust their policies or features and bring better product for their respective
users.

C res ton ium P rod uct

Lending and Earning

Additionally, we offer lending options for people who want to earn extra interest, as well as people who
need to take a loan/credit. There will also be a decentralized solution available to choose from.

Mobile and Desktop App

Most of our competitors offer only a mobile App, but we also offer a Desktop App which will be
synchronized in real-time. We also offer several advanced features and full interface customization, with
a whole host of different themes available.

Page 36 of 38

Copyright 2018 @ Crestonium

New Technology and Token Distribution

We are developing cryptocurrency of a third generation. We also offer low exchange rates and instant
transactions. Many ICOs have favorable token distribution towards the team and advisers. We want to
give as much as feasibly possible to our community. With that in mind, the Token Percentage that goes
to our users is the highest amongst all ICOs.

100% Token Holder Protection Guarantee

One important feature that we’ve implemented into our ICO offering is a Protection guarantee to our
Token Holders. If within 6 months (that is after the sale of ICO has ended) the value of CXS doesn’t
increase by 150%, we will give our users back their purchase originally deposited and exchanged for CXS.
We believe in our product and aim to develop the best, which is why we offer this proposition. Hence
the token holder has nothing to lose – either their investment will increase by 150% and they can sell or
retain the CXS, or they can claim their original investment back. We do not guarantee investment return,
but we do guarantee refund policy.

Page 37 of 38

Copyright 2018 @ Crestonium

 C on c lu s ion
We believe that blockchain technologies and cryptocurrency payments are the way of the future. We
aim to connect the blockchains and offer the user an easy-to-use, elegant, fully customizable interface
with an instant access to any blockchain assets.

Our vision is to improve the future of cryptocurrency and transform the society with an advanced
technology. We are doing our best to deliver all the expectations and to develop an outstanding product
with excellent user experience and premier customer support.

Page 38 of 38

Copyright 2018 @ Crestonium