BitMinutes is the first prepaid airtime token to provide low-cost financial services to the world's two billion unbanked consumers. BitMinutes serve as the universal cryptocurrency for enabling global telecommunications providers, retail merchants and a network of trusted agents to offer free money transfer and guaranteed loans to six billion cellphone users. The primary goal of Bitminutes ICO is to provide access to key financial services for over two billion unbanked worldwide.

INVERSE is a DeFi based platform that provides an array of smart-contract features with integrated time-based options. Users have the opportunity to speculate on the drop in value of a suite of Defi coins by utilizing the multiple 'tracking vaults' on the platform. XIV, the protocol's native token, is used to unlock these vaults, and then staked within these vaults for no more than 7 days. As their name implies, these vaults track the real-time price movements of select DeFi tokens (i.e. COMP, AAVE, UNI, YFI). After 7 days, if the value of the DeFi asset being tracked has dropped by a certain percentage, the user will gain a significant percentage yield on the amount of XIV held within the tracking vault. If the price of the DeFi asset does not drop in value beyond the predetermined percentage by the end of the 7-day staking period, the user will forfeit a portion of their staked XIV. Rewards will be automatically disbursed to the user’s web3 browser wallet at the end of the 7-day staking period. Ultimately, INVERSE offers users the option to hedge against the volatility of select crypto assets.

A DIGITAL NETWORK USER = A CRYPTOCURRENCY BANK CLIENT Allabout.me is the first social network based on Bitcoin and the internal token of the project ALL.ME. All.me built-in a personal wallet in every user's account. A person creates an account and becomes a client of the internal cryptocurrency bank.

Control your money, savings and crypto assets from one application. Benefit from simple and intuitive user interface to manage your cash flows. ORCA Platform merges a variety of financial service providers. Access payment cards, lending services, make instant transactions to crypto wallets, exchanges and bank accounts.

DailyCoin has built a decentralized eCommerce platform, on the Ethereum Blockchain, and payment solution system. The aim is to provide that financial payment solution with little or no hassle, with next to nothing or no transaction fee, allowing people to buy or pay for those services they are used to on their platforms or merchant sites. The goal is to make everyone’s daily experience an easy one while buying those tickets, paying for shopping items or even making hotel reservations.

ORION is a new kind of blockchain investment platform that combines the best features of exchanges, brokerages, and instant trading apps. The platform is built around a liquidity aggregator connected to all of the major crypto exchanges, as well as its own internal decentralized exchange, enabling users to gain the best price for their trades from a single portal. Along with powerful tools for portfolio management, ORION offers exceptional security, convenience, and flexibility. The platform is suitable for experienced traders, institutional investors, and newcomers alike.