INCLUSIVITY

cryptocurrencyblockchain

FOUNDING YEAR: 2016
LOCATION: Singapore
Last Update: 01/05/2020

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About

BANKING AND FINANCIAL ECOSYSTEM, AN ALTERNATIVE TO TRADITIONAL BANKING FOR PEOPLE AND SME: “BaaR: BANKING AS A RIGHT” INCLUSIVITY is a complete banking and financial ecosystem. The flexibility of the best Mobile Financial Solution (The next generation of "Mobile Money" operating without Telecommunications companies) and the strength and security of Blockchain (DLT), the only global system that unites both technologies. Adding to that a Biometric System to identify our user plus a network of Banking Agents and the largest network of Cash Points. “Banking without Banks and Telecommunications companies”, “Banking as a Right”, “BaaR”. With a mobile phone and our App, a person, groups or SMEs can have access to a complete world of services

MEDICI Analysis

Inclusivity provides a blockchain platform to offer financial, payments, remittances and banking services to unbanked, excluded worldwide, using local money and people token.

Focus

PRODUCTS & SERVICES

INCLUSIVITY’S SERVICES 1.A.- KEY SERVICES OFFERED THROUGH MPS & CASH POINTS: 1.A.1.- IDENTIFICATION AND REPUTATION We place special emphasis on one of the most basic and most important services that an INCLUSIVITY MPS and Cash Points will provide to communities in order to participate and progress in our Platform: Identification: WITHOUT IDENTITY, THERE IS NO INCLUSION. It is the first step, 1.1 billion people are waiting for a response, especially women. INCLUSIVITY creates an Identity Record in the blockchain, where all users can register for free, especially those that do not have an official identity or are stateless people. Personal Identity aids women to become independent and to gain economic, management and decision freedom without being codependent of their husband, father or brother. The experience of our R&D team and partners brings solutions adapted to each environment (Biometrics: iris, voice, gestural, etc.), several projects have already been successfully developed by our team in areas of the world: Red Cross, mines in South Africa, etc. Also, INCLUSIVITY introduces an award-winning biometrics solution, able to respect the regulation of every single country. With a mobile phone and our App, we can safely register a person without ID so s/he can become an INCLUSIVITY user; Moreover, Meeting Points and Points Cash, will be able to help Authorities to provide official identity and to register those who need help: illiterate, handicapped, people without a mobile phone, etc. Identity allows people to defend their rights and to completely fulfil their obligations in equality. All users who are identified will receive PEOPLE Token as a welcome and incentive and will open their wallet to join the new "inclusive crypto-culture", including children, as a way of saving for the future and development of financial culture. REPUTATION: As a banking and financial ecosystem, INCLUSIVITY will manage ASSETS, digital and non-digital, and one of the most important assets in the future will be, after Identity, REPUTATION. INCLUSIVITY REPUTATION and Credit Score System is already developed. Unfortunately new-to-credit people and people with no credit history are excluded from access to credit, therefore the only way to create some sort of creditworthiness profile is to create an online interaction with them using mobile data and an engaging enjoyable questionnaire using Artificial Intelligence, Machine Learning and Use of Voice Detection for predicting fraudulent patterns, reducing the risk of lenders and giving access to credit to unbanked and young people. Also, the reputation of each Banking Agent (Meeting Point of Services, MPS) and Merchants (POS/Cash Point), established by the data provided by users and clients, will be the best possible quality control of the services. Voluntarily, a registry will be created for users who request it, which will be used as a true financial history record and "CREDIT SCORING SYSTEM", which will allow them to access loans, investments, crowdfunding, VC, partners, humanitarian aid and to be used in our Marketplace, which we will introduce later. 1.A.2.- FINANCIAL AND BANKING SERVICES As previously mentioned, INCLUSIVITY offers all financial and banking services necessary to join the formal economy; with access to the same financial tools as people in developed countries, but with lower commissions and fees and without distances. We are not a closed platform, any local bank with a social approach, Telecommunication company, any startup or company working on Fintech can offer its financial and banking services to the entire community of INCLUSIVITY and rely on the platform and on the network of commercial agents (MPS) in the territory of its choice using our Cash Points, we are an open platform, we are INCLUSIVITY. INCLUSIVITY’S FINANCIAL SYSTEM: INCLUSIVITY, in any case, and in any jurisdiction, it operates in, will comply with the regulations and will offer the banking and financial services that are allowed, always fulfilling the legal requirements. INCLUSIVITY will operate either by obtaining its own licenses or by partnering with local licensed companies. ● A personal identification system, a reputation history record and our own “Credit Scoring System” (KYC compliant). ● Access to top quality financial and banking services at "low cost" rates: To create a wallet; to send and receive money (even by SMS with a very old phone or even for the ones without phone, through a Merchant), P2P; to save without banking account; to pay goods and services and to cash in – cash out through the closest merchant (Cash Point), pay bills, vouchers / coupons (services, products, food, vaccines, humanitarian aid, blankets, etc.), multiple accounts for singular purposes (example: specific accounts for school or health payments). Financial Inclusion, available to everyone, close to customers, safe, affordable, transparent, trustworthy and convenient services, that is INCLUSIVITY. ● Access to insurance and micro-insurance adapted to each need and culture partnering with international and local insurance companies. ● Access to international markets through our Marketplace without middlemen. ● Send and receive remittances without being charged overwhelming fees (ie, international remittances from immigrants). Currently $ 580 billion are sent annually, with average commissions between 7.7 and 10% (the G8 and the G20 aim to reduce it to 5%, which would mean savings for migrants of $ 14 billion annually) You send your local money (dollar/euros/ others) and your friend receives local money in a few minutes in another country worldwide, the platform will find the best change at that time in the market. ● Access to entrepreneurship and financial culture. ● INCLUSIVITY will allow third parties to offer through the platform new financial services: loans, lines of credit and even crypto-financing, financial Marketplace (Crowdfunding, Token Sale, venture capital, microfinance, etc.). ● A system able to work in fiat money and cryptocurrencies. (Except in countries where cryptocurrencies are not allowed) Our small and fractal business structure, the lack of bureaucracy and the maximum control and security that the INCLUSIVITY blockchain platform provides, plus the physical contact with Meeting Points and Cash Points makes it possible to offer very low-cost services in places where actual banks have closed offices or haven't even opened one due to distance, costs and remoteness. INCLUSIVITY: “The largest and cheapest Banking and Financial Network, with the most efficient technology in the world, today". INCLUSIVITY incorporate the highest technology in banking security and in compliance with financial international and national regulations and in terms of KYC, AML and CFT. 1.A.3.-INSURANCE & LOGISTIC SERVICES: Insurance and microinsurance companies will also be able to use the platform to offer their insurance services and manage through the MPS and Cash Points all incidents and claims that arise. Our Blockchain becomes a key tool to certify time, place, data, photos, videos, etc. in the claims. WITHOUT INSURANCE THERE IS NO INCLUSION, especially in the agricultural sector and in rural areas. In rural sectors insurance should be an essential service, in this sector insurance and microinsurance will guarantee an income. Now you can get or lose anything in a minute; houses, especially the humblest ones, can be insured in case of a loss, the artisans can be insured against illness, disability, payment risk, etc. INCLUSIVITY will integrate into the platform the best insurance companies if they understand the role that insurance has in social inclusion and adapt their products and services to this tremendous market. Our "Mobile Financial Solutions" ecosystem also dives into the micro-insurance market by being able to automate and split payments and even create "pay-per-use" insurances, that you can buy directly into the Cash Points. LOGISTIC PROVIDER: Creating alliances with the main providers of logistics services in each region: Parcel and eCommerce providers, Post Office, etc, the MPS will provide another essential service, collection and delivery of letters, documents, packages and products. in the "favelas" (Brazilian slums), wherein many of them the streets have no name or number. This logistics service is also key to the proper functioning of our Marketplace, since the MPS will be a point of delivery for craftsmen's products and also, a collecting point for products that users can buy anywhere in the world at competitive prices. Every movement will be registered in our blockchain and through Smart Contracts, the buyer, the seller, the logistics company and the MPS will have guarantees in each operation carried out. The services will be charged with a stipulated fee with the intervening agents. The excluded will be able to buy products and sell products and services online by having means of payment and a collection and delivery address of letters and packages in each MPS and each Cash Point. A huge new market for e-commerce companies and a new opportunity for inclusion. 1.B.-MARKETPLACE: The economic centre of the platform will be a large Marketplace where the wall that separates the two worlds is finally torn down and where everyone will have equal access to goods and services, without intermediaries and at market prices, without the inefficiencies that cause a higher price for the "underserved" and poor. A mobile phone or a computer is all that is needed to access INCLUSIVITY's Marketplace, therefore, any company, however, local or small, will have the possibility to offer its services via INCLUSIVITY and the users of the platform will gradually be encouraged to create and to offer their own services, without barriers or intermediaries, in this great marketplace, accepting both People Tokens and fiat money (without problems about Currency changes between seller and buyer), the easier, the better. The Marketplace is also a great networking place, where entrepreneurs, investors and professionals can meet to undertake new inclusive projects. In the communities, startup incubators and accelerators will be encouraged to use the marketplace to offer their products, find travel companions, investors, customers or suppliers. Through inclusion, new users, artisans and entrepreneurs, will become the future professionals, providing quality services to their communities and via the marketplace worldwide. “Talent is equally distributed around the world… opportunity is not” Rebeca Grynspan, Ibero-American Secretary General With the proper training, thanks to our partnership with Blockinjobs, anyone could become a blockchain professional, or software developer, create Apps, video games, applications, etc. being able to compete with actual professionals that today control the market sphere. INCLUSIVITY becomes a worldwide Marketplace where all PEOPLE Token holders will be able to buy and offer goods and services. All this system implemented in a community, in a favela in Brazil, for example, will improve the lives of the population, always respecting their idiosyncrasies, but above all, they will be given the option of becoming owners of their acts and the main character of their future. We must create an option outside violence and drugs, we have to boost the creativity of people and their desire to develop new economic activities and future jobs in a new, fairer economy, where talent is an asset and the good reputation is the best credit score system. Meeting Points of Services and Cash Points will be the element of contagion and cohesion of the whole system... 1.C.- OTHER SERVICES OFFERED BY THE PLATFORM: All these services will be offered through the platform either by INCLUSIVITY or the selected partners, experts in each one of the fields. 1.C.1.- REGISTRIES: .- Physical Property: farmer´s land, real estate, and all kind of assets and liabilities; .- Intellectual Property: to register projects, ideas, work of art. Instructions and .- Memory Registry: conceived to preserve people's, families', communities' and town's culture. It is even possible to register languages and dialects in danger of extinction. Getting the poor to have titles of their properties and be registered would change the status quo of the world’s economy, many of them would no longer be poor and would have access to credits with the guarantee of their assets. The first step for this is to have an asset registry that is easy to use, safe and that can’t be manipulated. INCLUSIVITY provides these Registries as general services of the platform and for the Communities to be able to incorporate and adapt in order to obtain in the near future the recognition of the States and the financial strata, as Professor Hernando de Soto has shown in Peru. INCLUSIVITY will encourage the registration of all types of assets, in the belief that in the future the value will consist of totally different assets than the current ones (reputation, talent, social contributions, capacities, networks, etc.) 1.C.2.- OPINION AND VOTES: One of the most interesting utilities of a blockchain platform is that you can create election, vote and opinion mechanisms that are impossible to manipulate and that preserve the voter’s identity. Companies and organizations may ask questions to INCLUSIVITY’s members to know their opinion, intention or to obtain objective data. For example: what sowing system farmers use in Somalia or what they plan to plant next year. This information will be a service offered by INCLUSIVITY and its remuneration will be distributed between the platform and the owners of the information, always with the maximum respect to international laws of data processing and the people’s privacy. Knowing people’s opinion can help organizations to make better decisions and even to avoid problems of corruption and misuse of goods and services. As we will be explained on the Business Model INCLUSIVITY will respect all the international regulations about DATA (ie: GDPR).

REVENUE MODEL

This is INCLUSIVITY "Good Business and Business for Good", the great business of inclusion, a WIN-WIN business, with a very simple business model: we are not an NGO, we are a company that fights for a fairer, more distributed economy pursuing a decent profit for everyone respecting our fragile planet. Currently, the poor get goods and services with significant additional cost, sometimes multiplied by 10, and this is due to problems such as excess of intermediation, excessively segmented markets, complicated logistics, corruption, etc. In INCLUSIVITY the technology allows banking and financial services to be provided at a lower cost and with higher margins, a win-win for users, for MPS and Cash Points and for INCLUSIVITY. Millions of small transactions, paying small commissions make INCLUSIVITY an extraordinary business. In addition, all those involved in the INCLUSIVITY’s value chain, via Smart Contracts, will be paid automatically and precisely for their work, much more efficient and reducing organization and control costs. Win-win for the buyers and users of our token, PEOPLE TOKEN, an ecological token, with real value, based on reward and collaboration and not on competition, to be used in our platform to buy and sell goods and services. It is expected that INCLUSIVITY will soon have millions of users all around the world, to which we must add Meeting Points of services, and thousands of Cash Points, provoking a rapid and easy expansion worldwide. “The changes that played out over 15 years in the developed markets are being collapsed into a short period of just 3 to 5 years in many BOP markets”. M. S. Banga, CEO of HLL, India, suggests that the real challenge in BOP markets is that managers have to cope with the “I curve”. Rapid growth can also make new demands on firms. Very few firms around the world have experience in inducting this many new recruits (independent distributors) per month.” INCLUSIVE LABEL by INCLUSIVITY: Companies and organizations (Banks, Governments, International Organizations, NGOs, Telecommunication companies, Microfinance, Money Providers, insurance companies, etc.) that provide their services via our platform and our MPS, on the basis of a commission contract, may use the Label. It is a label of prestige and social conscience that will be valued by customers, suppliers, investors and stakeholders of the companies that use it. The same will happen for companies that subcontract goods and services produced by artisans and local companies network in our Marketplace. The use of the label will have a cost for each product that carries it, which will bring greater presence and recognition to INCLUSIVITY. INCLUSIVITY will charge a fee for the goods and services provided in the MARKETPLACE. Each Meeting Point and each one of its activities will produce important benefits to the person who manages it and to the platform, enabling a decent life and a career with a future and becoming a reference and someone with prestige in the community. The same will happen with Merchants and shops (Cash Points), thanks to INCLUSIVITY they will offer new services to their current and new customers, making a better life. Moreover, in the near thanks to Artificial Intelligence and Machine Learning we will be able to process millions of DATA hitherto unreachable, that will help companies and organizations in decision making, people that provide information will be paid and rewarded, always with the maximum respect for regulations and privacy of the information owner (ie, GDPR). When dealing with new markets, underserved, new customers and new needs, the value of the data analysed and treated without manipulation, guaranteed by blockchain, is much more important, so it will become an important source of benefits for INCLUSIVITY and for all its participants, adding to that the data obtained by IoT. More users, more uses, more transactions, more data, more organizations, more Meeting Points, more Cash Points, with more and better services: more added value to distribute throughout the chain and to reinvest in Inclusive Business.

EXISTING PARTNERSHIPS

jmp.ingenieros

LDJ Capital

BlockinJobs.com

Madana

BioSSL

Microcima Africa

Graffter

PRIMARY PROBLEM SOLVED

SCENARIO: Billions of people in the world do not have access to services, 1.7 billion unbanked, 1.1 with no Official Identification (ID), and more than 4 billion people are underserved, people who, in theory, do have access to services, however, these are complicated, excessively expensive or very far away. All these people live in a non-formal economy where cash operations predominate; there is neither financial culture nor security. There are Micro and SME all around the world that don’t have access to credit. Unidentified population: An official Identity is the key to have recognized rights and duties and access to essential services such as health, education, finances, justice, etc. According to the World Bank, this problem affects 1.1 billion people worldwide. Thanks to improved sources of information and mainly to the rapid implementation of the Aadhaar system in India the number of people without identification has lowered from 1.5 to 1.1 billion, the same about reduction in the number or unbanked from 2 billion in 2014 to 1.7 in 2017 (Source: Global Findex World Bank 2017 ) Refugees 22.5 million, more than 65.6 million forcibly displaced people worldwide, now we must add the exodus in 2017 of more than 1.5 million of Venezuelans mainly to Colombia, Panama, Spain and Brazil. We must not forget about Rohingya people and other communities forced to leave their homes. And 10 million of Stateless people. IS FINANCIAL EXCLUSION A MAJOR PROBLEM? Indeed, one of the most important, it affects more than half of the world’s population, the global economy and the health of the planet. Moreover, it is a critical element for the success of the Sustainable Development Goals set by United Nations. “… all too often, the poor tend to reside in high-cost ecosystems even within developing countries. In the shanty town* of Dharavi, outside Mumbai, India, the poor pay a premium for everything from rice to credit, the poor in Dharavi pay 600 to 1,000 percent interest for credit from local moneylenders. A bank with access to this market can do well for itself by offering credit at 25 percent. These cost disparities between the poor and the rich in the same economy can be explained only by the fact that the poverty penalty at the BOP is a result of inefficiencies in access to distribution and the role of the local intermediaries”. (C.K.Prahalad) *Slum, Favelas in Brazil. HOW ARE WE GOING TO DO IT? .- FORMATION, the first step: The basis of this ecosystem is coaching at every level. We are working to create the "Coaching of Coaches" Program. The MPS will be educated to be a responsible entrepreneur; each one will be responsible for the creation of wealth in his/her town. Learn about products, prices, returns and be an advisor and assistant of the customers in town. The basic training will consist on the philosophy and functioning of INCLUSIVITY; Better informed, educated and with decent incomes, this new class of entrepreneurs will feel worthy and prestigious becoming the best ambassadors of INCLUSIVITY. MPS will be responsible of selecting, coaching, advising and helping the CASH POINTS, later the training will be specific for each product or service that the Cash Point will have to offer. This type of symbiotic relationship in the ecosystem creates a victory for everyone. Our core is not the headquarters, nor hundreds of employees and controllers, our core, as we have seen, is the physical network of MPS and Cash Points with its great capacity of contagion and scalability adapting to the environment, even if distance or orography are complicated. The more MPS & Cash Points, the more value is added as more interconnected people are heading towards the same direction, without headquarters and bureaucracy. This is an unstoppable movement with a common objective: social awareness and inclusive business.

INTELLECTUAL PROPERTY

Patent(s) NOT_FILED

People

FOUNDERS

Antonio Sainz (CEO)

Eduardo Remirez Miguel (CTO)

BOARD MEMBERS AND ADVISORS

David Drake

Jefferson Bandeira de Mello

NUMBER OF EMPLOYEES

11-50

COMMENT:

INCLUSIVITY’s platform has been developed by an international team (19 nationalities),with the invaluable support of our sister companies: JMP INGENIEROS,NASP engineers (leading companies in technology,engineering),who will continue to support the platform in the future as our R & D team. The creation of a project as ambitious as INCLUSIVITY demanded the best multidisciplinary team. It has not been difficult; the concept,objectives of INCLUSIVITY have attracted great professionals who offered to make this project a reality. More than a year of meetings, work, thousands of hours, erased blackboards, laughter, tears, a lot of coffee,companionship. A great professional,personal experience. Teams in Spain, UK, Kenya, Nigeria, Senegal, Ghana, Dubai, Brazil, Colombia, Chile, Ecuador, Nicaragua, Mexico, USA, Argentina, India, Blangladesh, Pakistan, Australia, China, Hong Kong,Singapore. Our team with more than 25 years of experience has been certified with the seal of "Excellence, Impact, Quality,Efficiency of Implementation" by the European Commission. It is an amazing multidisciplinary team of lawyers, economists, marketing, inclusive business, social,education professionals…,of course programmers & engineers (Software, Blockchain, Cryptocurrencies, Smart Contracts, DApp, , Cyber Security, APIs, Mobile Financial Solutions, FPGA, Systems, Telecommunications, Aeronautics, Electronics, Mechanics, Civil, Optics, Factory Process, Industrial Physics, Organizational…, with several international awards,publications & more than 500 real working projects involving all type of disruptive technologies with a new amazing engineering concept. The co-founders, Antonio Sainz (CEO),Eduardo Remírez (CTO), are two tireless entrepreneurs with more than 30 years of experience in the highest management positions in companies in international environments. The sum of both experiences, plus the challenge of creating the project of their lives: a technological,human project, that will impact our society,the planet, this has been the origin,birth of INCLUSIVITY.

Momentum

FUNDED

NO

LISTED

NO

For Investors

FUNDING NEEDED:

$1 M

USES OF FUNDS RAISED:

1. To implement the first countries: Brazil, Mexico, Nigeria and Bangladesh where we have local partners.

EXIT STRATEGY

We are open to study both strategies, an exit strategy because Inclusivity is able to produce positive cash flow in a short period of time, or in the case that the investor add great value to the company we would like a stable investment

MONTHS LEFT WITH CURRENT CASH BURN RATE:

25000 months from 5 Feb, 2019

COMPETITORS:

Humaniq.com

BASICS

FOUNDING YEAR:

2016

LOCATION:

Singapore

Views:

369 VISITORS | 2020 VIEWS
TOTAL EMPLOYEES
11-50

About

BANKING AND FINANCIAL ECOSYSTEM, AN ALTERNATIVE TO TRADITIONAL BANKING FOR PEOPLE AND SME: “BaaR: BANKING AS A RIGHT” INCLUSIVITY is a complete banking and financial ecosystem. The flexibility of the best Mobile Financial Solution (The next generation of "Mobile Money" operating without Telecommunications companies) and the strength and security of Blockchain (DLT), the only global system that unites both technologies. Adding to that a Biometric System to identify our user plus a network of Banking Agents and the largest network of Cash Points. “Banking without Banks and Telecommunications companies”, “Banking as a Right”, “BaaR”. With a mobile phone and our App, a person, groups or SMEs can have access to a complete world of services

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MEDICI Analysis

Inclusivity provides a blockchain platform to offer financial, payments, remittances and banking services to unbanked, excluded worldwide, using local money and people token.

Focus+
Momentum+
People+
For Investors+
Other+

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INCLUSIVITY

About

BANKING AND FINANCIAL ECOSYSTEM, AN ALTERNATIVE TO TRADITIONAL BANKING FOR PEOPLE AND SME: “BaaR: BANKING AS A RIGHT” INCLUSIVITY is a complete banking and financial ecosystem. The flexibility of the best Mobile Financial Solution (The next generation of "Mobile Money" operating without Telecommunications companies) and the strength and security of Blockchain (DLT), the only global system that unites both technologies. Adding to that a Biometric System to identify our user plus a network of Banking Agents and the largest network of Cash Points. “Banking without Banks and Telecommunications companies”, “Banking as a Right”, “BaaR”. With a mobile phone and our App, a person, groups or SMEs can have access to a complete world of services

Focus

PRODUCTS & SERVICES

INCLUSIVITY’S SERVICES 1.A.- KEY SERVICES OFFERED THROUGH MPS & CASH POINTS: 1.A.1.- IDENTIFICATION AND REPUTATION We place special emphasis on one of the most basic and most important services that an INCLUSIVITY MPS and Cash Points will provide to communities in order to participate and progress in our Platform: Identification: WITHOUT IDENTITY, THERE IS NO INCLUSION. It is the first step, 1.1 billion people are waiting for a response, especially women. INCLUSIVITY creates an Identity Record in the blockchain, where all users can register for free, especially those that do not have an official identity or are stateless people. Personal Identity aids women to become independent and to gain economic, management and decision freedom without being codependent of their husband, father or brother. The experience of our R&D team and partners brings solutions adapted to each environment (Biometrics: iris, voice, gestural, etc.), several projects have already been successfully developed by our team in areas of the world: Red Cross, mines in South Africa, etc. Also, INCLUSIVITY introduces an award-winning biometrics solution, able to respect the regulation of every single country. With a mobile phone and our App, we can safely register a person without ID so s/he can become an INCLUSIVITY user; Moreover, Meeting Points and Points Cash, will be able to help Authorities to provide official identity and to register those who need help: illiterate, handicapped, people without a mobile phone, etc. Identity allows people to defend their rights and to completely fulfil their obligations in equality. All users who are identified will receive PEOPLE Token as a welcome and incentive and will open their wallet to join the new "inclusive crypto-culture", including children, as a way of saving for the future and development of financial culture. REPUTATION: As a banking and financial ecosystem, INCLUSIVITY will manage ASSETS, digital and non-digital, and one of the most important assets in the future will be, after Identity, REPUTATION. INCLUSIVITY REPUTATION and Credit Score System is already developed. Unfortunately new-to-credit people and people with no credit history are excluded from access to credit, therefore the only way to create some sort of creditworthiness profile is to create an online interaction with them using mobile data and an engaging enjoyable questionnaire using Artificial Intelligence, Machine Learning and Use of Voice Detection for predicting fraudulent patterns, reducing the risk of lenders and giving access to credit to unbanked and young people. Also, the reputation of each Banking Agent (Meeting Point of Services, MPS) and Merchants (POS/Cash Point), established by the data provided by users and clients, will be the best possible quality control of the services. Voluntarily, a registry will be created for users who request it, which will be used as a true financial history record and "CREDIT SCORING SYSTEM", which will allow them to access loans, investments, crowdfunding, VC, partners, humanitarian aid and to be used in our Marketplace, which we will introduce later. 1.A.2.- FINANCIAL AND BANKING SERVICES As previously mentioned, INCLUSIVITY offers all financial and banking services necessary to join the formal economy; with access to the same financial tools as people in developed countries, but with lower commissions and fees and without distances. We are not a closed platform, any local bank with a social approach, Telecommunication company, any startup or company working on Fintech can offer its financial and banking services to the entire community of INCLUSIVITY and rely on the platform and on the network of commercial agents (MPS) in the territory of its choice using our Cash Points, we are an open platform, we are INCLUSIVITY. INCLUSIVITY’S FINANCIAL SYSTEM: INCLUSIVITY, in any case, and in any jurisdiction, it operates in, will comply with the regulations and will offer the banking and financial services that are allowed, always fulfilling the legal requirements. INCLUSIVITY will operate either by obtaining its own licenses or by partnering with local licensed companies. ● A personal identification system, a reputation history record and our own “Credit Scoring System” (KYC compliant). ● Access to top quality financial and banking services at "low cost" rates: To create a wallet; to send and receive money (even by SMS with a very old phone or even for the ones without phone, through a Merchant), P2P; to save without banking account; to pay goods and services and to cash in – cash out through the closest merchant (Cash Point), pay bills, vouchers / coupons (services, products, food, vaccines, humanitarian aid, blankets, etc.), multiple accounts for singular purposes (example: specific accounts for school or health payments). Financial Inclusion, available to everyone, close to customers, safe, affordable, transparent, trustworthy and convenient services, that is INCLUSIVITY. ● Access to insurance and micro-insurance adapted to each need and culture partnering with international and local insurance companies. ● Access to international markets through our Marketplace without middlemen. ● Send and receive remittances without being charged overwhelming fees (ie, international remittances from immigrants). Currently $ 580 billion are sent annually, with average commissions between 7.7 and 10% (the G8 and the G20 aim to reduce it to 5%, which would mean savings for migrants of $ 14 billion annually) You send your local money (dollar/euros/ others) and your friend receives local money in a few minutes in another country worldwide, the platform will find the best change at that time in the market. ● Access to entrepreneurship and financial culture. ● INCLUSIVITY will allow third parties to offer through the platform new financial services: loans, lines of credit and even crypto-financing, financial Marketplace (Crowdfunding, Token Sale, venture capital, microfinance, etc.). ● A system able to work in fiat money and cryptocurrencies. (Except in countries where cryptocurrencies are not allowed) Our small and fractal business structure, the lack of bureaucracy and the maximum control and security that the INCLUSIVITY blockchain platform provides, plus the physical contact with Meeting Points and Cash Points makes it possible to offer very low-cost services in places where actual banks have closed offices or haven't even opened one due to distance, costs and remoteness. INCLUSIVITY: “The largest and cheapest Banking and Financial Network, with the most efficient technology in the world, today". INCLUSIVITY incorporate the highest technology in banking security and in compliance with financial international and national regulations and in terms of KYC, AML and CFT. 1.A.3.-INSURANCE & LOGISTIC SERVICES: Insurance and microinsurance companies will also be able to use the platform to offer their insurance services and manage through the MPS and Cash Points all incidents and claims that arise. Our Blockchain becomes a key tool to certify time, place, data, photos, videos, etc. in the claims. WITHOUT INSURANCE THERE IS NO INCLUSION, especially in the agricultural sector and in rural areas. In rural sectors insurance should be an essential service, in this sector insurance and microinsurance will guarantee an income. Now you can get or lose anything in a minute; houses, especially the humblest ones, can be insured in case of a loss, the artisans can be insured against illness, disability, payment risk, etc. INCLUSIVITY will integrate into the platform the best insurance companies if they understand the role that insurance has in social inclusion and adapt their products and services to this tremendous market. Our "Mobile Financial Solutions" ecosystem also dives into the micro-insurance market by being able to automate and split payments and even create "pay-per-use" insurances, that you can buy directly into the Cash Points. LOGISTIC PROVIDER: Creating alliances with the main providers of logistics services in each region: Parcel and eCommerce providers, Post Office, etc, the MPS will provide another essential service, collection and delivery of letters, documents, packages and products. in the "favelas" (Brazilian slums), wherein many of them the streets have no name or number. This logistics service is also key to the proper functioning of our Marketplace, since the MPS will be a point of delivery for craftsmen's products and also, a collecting point for products that users can buy anywhere in the world at competitive prices. Every movement will be registered in our blockchain and through Smart Contracts, the buyer, the seller, the logistics company and the MPS will have guarantees in each operation carried out. The services will be charged with a stipulated fee with the intervening agents. The excluded will be able to buy products and sell products and services online by having means of payment and a collection and delivery address of letters and packages in each MPS and each Cash Point. A huge new market for e-commerce companies and a new opportunity for inclusion. 1.B.-MARKETPLACE: The economic centre of the platform will be a large Marketplace where the wall that separates the two worlds is finally torn down and where everyone will have equal access to goods and services, without intermediaries and at market prices, without the inefficiencies that cause a higher price for the "underserved" and poor. A mobile phone or a computer is all that is needed to access INCLUSIVITY's Marketplace, therefore, any company, however, local or small, will have the possibility to offer its services via INCLUSIVITY and the users of the platform will gradually be encouraged to create and to offer their own services, without barriers or intermediaries, in this great marketplace, accepting both People Tokens and fiat money (without problems about Currency changes between seller and buyer), the easier, the better. The Marketplace is also a great networking place, where entrepreneurs, investors and professionals can meet to undertake new inclusive projects. In the communities, startup incubators and accelerators will be encouraged to use the marketplace to offer their products, find travel companions, investors, customers or suppliers. Through inclusion, new users, artisans and entrepreneurs, will become the future professionals, providing quality services to their communities and via the marketplace worldwide. “Talent is equally distributed around the world… opportunity is not” Rebeca Grynspan, Ibero-American Secretary General With the proper training, thanks to our partnership with Blockinjobs, anyone could become a blockchain professional, or software developer, create Apps, video games, applications, etc. being able to compete with actual professionals that today control the market sphere. INCLUSIVITY becomes a worldwide Marketplace where all PEOPLE Token holders will be able to buy and offer goods and services. All this system implemented in a community, in a favela in Brazil, for example, will improve the lives of the population, always respecting their idiosyncrasies, but above all, they will be given the option of becoming owners of their acts and the main character of their future. We must create an option outside violence and drugs, we have to boost the creativity of people and their desire to develop new economic activities and future jobs in a new, fairer economy, where talent is an asset and the good reputation is the best credit score system. Meeting Points of Services and Cash Points will be the element of contagion and cohesion of the whole system... 1.C.- OTHER SERVICES OFFERED BY THE PLATFORM: All these services will be offered through the platform either by INCLUSIVITY or the selected partners, experts in each one of the fields. 1.C.1.- REGISTRIES: .- Physical Property: farmer´s land, real estate, and all kind of assets and liabilities; .- Intellectual Property: to register projects, ideas, work of art. Instructions and .- Memory Registry: conceived to preserve people's, families', communities' and town's culture. It is even possible to register languages and dialects in danger of extinction. Getting the poor to have titles of their properties and be registered would change the status quo of the world’s economy, many of them would no longer be poor and would have access to credits with the guarantee of their assets. The first step for this is to have an asset registry that is easy to use, safe and that can’t be manipulated. INCLUSIVITY provides these Registries as general services of the platform and for the Communities to be able to incorporate and adapt in order to obtain in the near future the recognition of the States and the financial strata, as Professor Hernando de Soto has shown in Peru. INCLUSIVITY will encourage the registration of all types of assets, in the belief that in the future the value will consist of totally different assets than the current ones (reputation, talent, social contributions, capacities, networks, etc.) 1.C.2.- OPINION AND VOTES: One of the most interesting utilities of a blockchain platform is that you can create election, vote and opinion mechanisms that are impossible to manipulate and that preserve the voter’s identity. Companies and organizations may ask questions to INCLUSIVITY’s members to know their opinion, intention or to obtain objective data. For example: what sowing system farmers use in Somalia or what they plan to plant next year. This information will be a service offered by INCLUSIVITY and its remuneration will be distributed between the platform and the owners of the information, always with the maximum respect to international laws of data processing and the people’s privacy. Knowing people’s opinion can help organizations to make better decisions and even to avoid problems of corruption and misuse of goods and services. As we will be explained on the Business Model INCLUSIVITY will respect all the international regulations about DATA (ie: GDPR).

REVENUE MODEL

This is INCLUSIVITY "Good Business and Business for Good", the great business of inclusion, a WIN-WIN business, with a very simple business model: we are not an NGO, we are a company that fights for a fairer, more distributed economy pursuing a decent profit for everyone respecting our fragile planet. Currently, the poor get goods and services with significant additional cost, sometimes multiplied by 10, and this is due to problems such as excess of intermediation, excessively segmented markets, complicated logistics, corruption, etc. In INCLUSIVITY the technology allows banking and financial services to be provided at a lower cost and with higher margins, a win-win for users, for MPS and Cash Points and for INCLUSIVITY. Millions of small transactions, paying small commissions make INCLUSIVITY an extraordinary business. In addition, all those involved in the INCLUSIVITY’s value chain, via Smart Contracts, will be paid automatically and precisely for their work, much more efficient and reducing organization and control costs. Win-win for the buyers and users of our token, PEOPLE TOKEN, an ecological token, with real value, based on reward and collaboration and not on competition, to be used in our platform to buy and sell goods and services. It is expected that INCLUSIVITY will soon have millions of users all around the world, to which we must add Meeting Points of services, and thousands of Cash Points, provoking a rapid and easy expansion worldwide. “The changes that played out over 15 years in the developed markets are being collapsed into a short period of just 3 to 5 years in many BOP markets”. M. S. Banga, CEO of HLL, India, suggests that the real challenge in BOP markets is that managers have to cope with the “I curve”. Rapid growth can also make new demands on firms. Very few firms around the world have experience in inducting this many new recruits (independent distributors) per month.” INCLUSIVE LABEL by INCLUSIVITY: Companies and organizations (Banks, Governments, International Organizations, NGOs, Telecommunication companies, Microfinance, Money Providers, insurance companies, etc.) that provide their services via our platform and our MPS, on the basis of a commission contract, may use the Label. It is a label of prestige and social conscience that will be valued by customers, suppliers, investors and stakeholders of the companies that use it. The same will happen for companies that subcontract goods and services produced by artisans and local companies network in our Marketplace. The use of the label will have a cost for each product that carries it, which will bring greater presence and recognition to INCLUSIVITY. INCLUSIVITY will charge a fee for the goods and services provided in the MARKETPLACE. Each Meeting Point and each one of its activities will produce important benefits to the person who manages it and to the platform, enabling a decent life and a career with a future and becoming a reference and someone with prestige in the community. The same will happen with Merchants and shops (Cash Points), thanks to INCLUSIVITY they will offer new services to their current and new customers, making a better life. Moreover, in the near thanks to Artificial Intelligence and Machine Learning we will be able to process millions of DATA hitherto unreachable, that will help companies and organizations in decision making, people that provide information will be paid and rewarded, always with the maximum respect for regulations and privacy of the information owner (ie, GDPR). When dealing with new markets, underserved, new customers and new needs, the value of the data analysed and treated without manipulation, guaranteed by blockchain, is much more important, so it will become an important source of benefits for INCLUSIVITY and for all its participants, adding to that the data obtained by IoT. More users, more uses, more transactions, more data, more organizations, more Meeting Points, more Cash Points, with more and better services: more added value to distribute throughout the chain and to reinvest in Inclusive Business.

TOP PROBLEM SOLVED

SCENARIO: Billions of people in the world do not have access to services, 1.7 billion unbanked, 1.1 with no Official Identification (ID), and more than 4 billion people are underserved, people who, in theory, do have access to services, however, these are complicated, excessively expensive or very far away. All these people live in a non-formal economy where cash operations predominate; there is neither financial culture nor security. There are Micro and SME all around the world that don’t have access to credit. Unidentified population: An official Identity is the key to have recognized rights and duties and access to essential services such as health, education, finances, justice, etc. According to the World Bank, this problem affects 1.1 billion people worldwide. Thanks to improved sources of information and mainly to the rapid implementation of the Aadhaar system in India the number of people without identification has lowered from 1.5 to 1.1 billion, the same about reduction in the number or unbanked from 2 billion in 2014 to 1.7 in 2017 (Source: Global Findex World Bank 2017 ) Refugees 22.5 million, more than 65.6 million forcibly displaced people worldwide, now we must add the exodus in 2017 of more than 1.5 million of Venezuelans mainly to Colombia, Panama, Spain and Brazil. We must not forget about Rohingya people and other communities forced to leave their homes. And 10 million of Stateless people. IS FINANCIAL EXCLUSION A MAJOR PROBLEM? Indeed, one of the most important, it affects more than half of the world’s population, the global economy and the health of the planet. Moreover, it is a critical element for the success of the Sustainable Development Goals set by United Nations. “… all too often, the poor tend to reside in high-cost ecosystems even within developing countries. In the shanty town* of Dharavi, outside Mumbai, India, the poor pay a premium for everything from rice to credit, the poor in Dharavi pay 600 to 1,000 percent interest for credit from local moneylenders. A bank with access to this market can do well for itself by offering credit at 25 percent. These cost disparities between the poor and the rich in the same economy can be explained only by the fact that the poverty penalty at the BOP is a result of inefficiencies in access to distribution and the role of the local intermediaries”. (C.K.Prahalad) *Slum, Favelas in Brazil. HOW ARE WE GOING TO DO IT? .- FORMATION, the first step: The basis of this ecosystem is coaching at every level. We are working to create the "Coaching of Coaches" Program. The MPS will be educated to be a responsible entrepreneur; each one will be responsible for the creation of wealth in his/her town. Learn about products, prices, returns and be an advisor and assistant of the customers in town. The basic training will consist on the philosophy and functioning of INCLUSIVITY; Better informed, educated and with decent incomes, this new class of entrepreneurs will feel worthy and prestigious becoming the best ambassadors of INCLUSIVITY. MPS will be responsible of selecting, coaching, advising and helping the CASH POINTS, later the training will be specific for each product or service that the Cash Point will have to offer. This type of symbiotic relationship in the ecosystem creates a victory for everyone. Our core is not the headquarters, nor hundreds of employees and controllers, our core, as we have seen, is the physical network of MPS and Cash Points with its great capacity of contagion and scalability adapting to the environment, even if distance or orography are complicated. The more MPS & Cash Points, the more value is added as more interconnected people are heading towards the same direction, without headquarters and bureaucracy. This is an unstoppable movement with a common objective: social awareness and inclusive business.

PRODUCT DEVELOPMENT STAGE

MVP

PRODUCT DEVELOPMENT COMMENT

We are ready to implement our platform in the first countries working with local money and respecting all the local legal requirement, without limit of users.

KEY DIFFERENTIATORS

DISRUPTIVE CONCEPT AND COMPETITIVE ADVANTAGE: What is disruptive about INCLUSIVITY is its multidisciplinary concept and the agnostic use of the highest technologies. Financial inclusion as a great economic and social business that can change the lives of millions of people, improving the north-south balance and taking care of the fragile equilibrium of the planet., provoking at the same time a profitable win-win business. That is our holistic approach! The first and only existing and implementable proposal that unites "Mobile Financial Solutions", Blockchain, Biometrics and Reputation, accepting both fiat and cryptocurrencies to generate financial inclusion everywhere. Our ecosystem is unique because we have a single solution with all the tools needed for anyone, no matter the locations or the means, to have safe and cheap access to all banking services, savings, cash in/cash out, international remittances, microfinance, microinsurance, identity and a large marketplace with the highest quality and with simple and intuitive interfaces, adaptable to languages and cultures. This ecosystem will be able to expand and offer new services following the requirements of users: education, legal, medical, training, accounting, tax, etc. Our competitive advantage is that we understand that being the best banking and financial platform possible to provide services to people, communities and businesses is a great idea, but it is not enough. Without "descending to the ground", social, financial or gender inclusion are not possible. INCLUSIVITY works with Meeting Points of Services and Cash Points, creating "the largest network of financial agents in the world". "It is useless to create great services in the clouds if the water does not reach the people" On the contrary, other companies in the sector are limited to offering virtual solutions with a typical first-world point of view, assuming that the "underserved", "unbanked" and "BOP" will access their solutions through their laptops in their apartment, without any type of training or assistance. It is not possible this way. INCLUSIVITY will adapt to the technologies and means of every place, maintaining the quality of services and reducing costs. We are also unique for our holistic point of view, we do not offer a single solution, like other companies, such as virtual bank, BTC / Fiat cards, or an App marketplace or Real Estate. The solution proposed by INCLUSIVITY is integrated into the real lives of people and their communities.

PRIMARY CUSTOMER TYPE

Enterprise - Banks or Financial Institutions

Enterprise - Retailers

Small and Medium Business - Online Retail

Small And Medium Business - Other

Consumer

PRODUCT ATTRIBUTES

SaaS

White label

People

FOUNDERS

Antonio Sainz (CEO)

Eduardo Remirez Miguel (CTO)

NUMBER OF EMPLOYEES

1-10

KEY EMPLOYEES:

CEO: Antonio sainz

CTO: Eduardo Remirez

FOUNDER: Antonio Sainz (CEO)

FOUNDER: Eduardo Remirez Miguel (CTO)

TEAM COMMENT:

INCLUSIVITY’s platform has been developed by an international team (19 nationalities),with the invaluable support of our sister companies: JMP INGENIEROS,NASP engineers (leading companies in technology,engineering),who will continue to support the platform in the future as our R & D team. The creation of a project as ambitious as INCLUSIVITY demanded the best multidisciplinary team. It has not been difficult; the concept,objectives of INCLUSIVITY have attracted great professionals who offered to make this project a reality. More than a year of meetings, work, thousands of hours, erased blackboards, laughter, tears, a lot of coffee,companionship. A great professional,personal experience. Teams in Spain, UK, Kenya, Nigeria, Senegal, Ghana, Dubai, Brazil, Colombia, Chile, Ecuador, Nicaragua, Mexico, USA, Argentina, India, Blangladesh, Pakistan, Australia, China, Hong Kong,Singapore. Our team with more than 25 years of experience has been certified with the seal of "Excellence, Impact, Quality,Efficiency of Implementation" by the European Commission. It is an amazing multidisciplinary team of lawyers, economists, marketing, inclusive business, social,education professionals…,of course programmers & engineers (Software, Blockchain, Cryptocurrencies, Smart Contracts, DApp, , Cyber Security, APIs, Mobile Financial Solutions, FPGA, Systems, Telecommunications, Aeronautics, Electronics, Mechanics, Civil, Optics, Factory Process, Industrial Physics, Organizational…, with several international awards,publications & more than 500 real working projects involving all type of disruptive technologies with a new amazing engineering concept. The co-founders, Antonio Sainz (CEO),Eduardo Remírez (CTO), are two tireless entrepreneurs with more than 30 years of experience in the highest management positions in companies in international environments. The sum of both experiences, plus the challenge of creating the project of their lives: a technological,human project, that will impact our society,the planet, this has been the origin,birth of INCLUSIVITY.

BOARD MEMBERS AND ADVISORS:

David Drake, Jefferson Bandeira de Mello

Momentum

FUNDED

NO

FUNDING COMPLETED

NO

LISTED

NO

FUNDING SERIES