玩币族移动版

　　借贷币简介

　　中文名：借贷币

　　英文名：CreditCoin

　　英文简称：CTC

　　初始总量：800000000(8亿)

　　核心算法：Pow+Pos

　　利息：第1年1.5%，第2年1%，第3年及以后0.75%

　　转账费用：0.01CTC

　　发布日期：2016年3月9日

　　发行方式：75%众筹+5%奖励

　　一、借贷币认购及众筹方案：

　　借贷币是基于比特币基础和区块链上，将P2P金融通过点对点网络进行登记发行等金融业务的去中心化网络协议，可用于p2p网贷、数字资产管理、实体经济投资、智能合约、股权众筹等领域，具有很高的投资价值。

　　1、认购地点：加入借贷币官方QQ群的币友即可认购，官方团队仅在群内发布认购消息，不在其它地方发布认购。

　　2、认购及众筹数量：认购及众筹规模为总量的75%(即6亿币)进行认购，5%作为宣传、邀请及进群等奖励，20%作为开发团队的开发、维护费用及利息。

　　认购分为两期，一期认购总量2.8亿个(已结束)，二期认购总量暂定2.4亿个，众筹总量暂定0.8亿个，每人每期认购/众筹数量为20万、30万、40万、50万、60万个(均为整数，无零头)，上限500万。众筹将在交易平台择期进行。每人每期只能认购或众筹一份。

　　3、认购价格：一期认购价0.001元/个，二期认购价暂定0.0015元/个，众筹价格择期公布，预计价格为0.0025/个。

　　4、认购方式及认购时间：每期认购均由官方团队统一在官方QQ群内发布通知，认购时间公布后，认购人给公布的支付宝账号打款，并备注本人QQ号。收款人统计后，按时间先后顺序给认购者发币。认购款接收人在认购款满额后，将在官方QQ群内告知全群成员不需再打款认购，经统计后，将超出认购数量的款项将退回认购人的支付宝账号。第二期认购时间在将在3月25日进行，第三期认购将在百币网进行众筹。

　　第一、二期的认购，认购人的一个支付宝账号只能对应一个QQ号，且每期只能认购一份，若发现同一期认购多份，只允许认购数量最多的那份。

　　5、认购余币的处理：每期认购若有剩余币，将一起留到交易平台进行众筹。

　　二、团队介绍

　　我们是投身于数字货币研究的一群热血青年。我们坚信数字货币会惠及世界各地的千家万户。我们的核心成员主要来自阿里、腾讯、移动的技术人才和多个关注虚拟货币多年的技术人员组成，我们希望通过我们不懈的研究与努力，能让更多人了解，认识数字货币。在各大银行推出数字货币时，能让更多的人与之同步接轨。希望用我们真挚的服务换来你们贴心的享受。

　　我们非常感谢大家的支持与信赖，非常荣幸与各位数字货币爱好者以及IT精英等共聚一堂探讨数字货币的价值与前景。希望大家能提出更多的宝贵意见与建议，我们虚心受教，不断创新，只为大家能够享受到数字货币带来的乐趣与利益。

　　借贷币官方①群546680395

　　借贷币官方②群258802915

　　借贷币官网：www.creditcoin.net

　　The white paper of the CreditCoin

　　Summary

　　1.1 Conception of the CreditCoin

　　CreditCoin is a new pattern which based on the Bitcoin and the block chain. But it’s the optimization and upgrading version of the Bitcoin. CreditCoin can be used in many fields, like the P2P lending, digital asset management,

　　real economic investment, intelligent contract and the equity-based

　　crowd-funding etc.

　　1.2 Conception of the P2P finance

　　P2P finance is a kind of internet-based finance. It ca also be called P2P credit, which means peer to peer.

　　P2P finance means the small loan of transaction between peer and peer. It needs the electronic commerce platform to assist the two sides of the lenuding relationships and complete some transaction procedures. The borrower can release the specific loan information. Including the amounts, interests ,refund date and the time.

　　1.3 Conception of the block chain

　　Block chain is based on the Cryptography technology, it’s a data structure by using the decentralization to organize and maintain the data. Block chain can be used as the e-cash as well as the digital assets perfectly. What’s more, all the relevant digital signatures are available of the block chain’s data, which can not be forged.On the other hand, the block chain also has some advantages like,full disclosure,high reliability and instant delivery. Comparing with the traditional finance institution, the “block chain based” finance system has the overwhelming superiority. There is no doubt that the the block chain will become the mainstream technology.

　　1.4 The operating circumstances

　　1.4.1 The financial services of the P2P

　　CreditCoin can be used as the credit services. It can set a loan clause by setting an intelligent contract. That means both parties can set their own lending time, the interests and the amount. Afterwards, with spreading by the block broadcast, the clause will be broadcast to the block chain so that the loan is done.

　　1.4.2 The crowd-founding and distribution of the stock right

　　The CreditCoin can be used as the crowd-founding and the distribution of the stock right. The start-up company can use the block chain’s wallet to handle the stockholders’ stocks as well as the distribution. What’s more, sharing out bonus , dealing the stocks and transferring the stock right also works for the block chain’s wallet.

　　1.4.3 The application of the block chain and the intelligent agreement

　　Unlike the other wallets, the CreditCoin is a recompilation wallet( the current wallet just used as crowd-refunding,the new version has been completed to 60%,and all the incomes will be used as the the development capital)which is a electronic platform system that based on the block chain. Briefly speaking, CreditCoin is a similar platform like JD and Taobao. Users can use the features of the block chain and the intelligent agreement to actualize the asset delivery. Meanwhile, the unique digital signatures’ system also ensure the non-repudiation of the contract.

　　1.5 Features of the CreditCoin

　　1.5.1 Actualize the synchronization of the mobile and PC

　　While developing the PC version’s wallet, the credit wallet also develop the Android and the IOS version at the same time,so that you can enjoy the amusement that manage your asset at any time. Meanwhile, the credit card will bounding your we-chat and Ali-pay to make convenient.

　　1.5.2 The build-in exchange

　　Our development team has a 3 years experiences for construction and maintenance.And the CreditCoin will establish its own build-in exchange to abutting the RMB platform.There is no need to abut the third platform any more which can be safer, quicker and more convenient.

　　1.5.3 Abutting with the reality assets

　　The natural attributes of the coins are payment. And the CreditCoin will establish its own store,which can cooperate with some online retailers like JD or Taobao. It also considers some other user groups like Hitao.The CreditCoin will be distributed by crowd-founding which can be used as investing property and developing the technology.And the investment variety only limited in some new projects like Bitcoin and the block chain. Single individuals or institutions who hold the coin will get the investment bonus nonscheduled. After the CreditCoin found the company, some CreditCoin will make a reservation and equity replacement.

　　The technical parameter of CreditCoin:

　　Chinese Name:借贷币

　　English Name: CreditCoin

　　English abbreviation:CTC

　　Initial Total Amount:800000000

　　Core Algorithm:Pow+Pos

　　Transfer Fee: 0.01CTC

　　Block Time:1 minute

　　Developer and maintainer: CreditCoin team

　　Date of issue:9th March, 2016

　　Official Website:www.Creditcoin.net

　　The official mission of CreditCoin

　　9th,March 2016