PAYERA

#Payera website link https://payera.io or Telegram link https://t.me/payera.
WHITEPAPER
ICO-2018
E-mail: info@payera.io
Web: www.payera.io
© COPYRIGHT
ALL RIGHTS RESERVED

1. April 2018
   NEW ERA OF THE CRYPTO WORLD
   SIMPLE SHOPPING AND SAFE PAY
   TABLE OF CONTENTS
   01 Introduction
   03 ICO (Initial Coin Offering)
   04 Blockchain and the future of payments
   05 Problem
   06 Concept
   07 Vision
   08 Mission
   09 Solution
   10 Crowdsale Information
   11 ICO Details
   12 Security
   13 Protocol / Token
   14 More about PAYERA
   15 More about SHOPERA
   16 More about CARDERA
   17 Roadmap
   18 Team
   02 Summary
   The market for crypto currencies is the most dynamic of
   our time. Digital currencies use public accounting
   systems to file transactions.
   We are convinced that the future of the current financial
   system will be dependent on the development of the
   blockchain technology and on the reaction of the
   community. The blockchain can and will, in our view, be
   used to achieve a really strong, positive development of
   the financial system.
   For quite some time, our team has intensely worked on
   the blockchain technology and cryptocurrencies. We
   discovered, that due its strong volatility and high
   anonymity, people do speculate more with
   cryptocurrencies than using the coins as a currency.
   This is why the idea of PAYERA emerged to use
   cryptocurrencies free of worry. We will create a secure
   multifunction-platform which is going to be easy to
   operate with.
   After we had drawn up the initial concept, we secured -
   after a brief presentation- interested partners and
   consultants and thus we have systematically built up our
   team.
   In the process of optimizing our main product down to
   the smallest detail, something extraordinary has
   emerged: An All-in-One-concept that enables us to
   operate with even more flexibility in the market.
   INTRODUCTION
   NEW ERA OF THE CRYPTO WORLD
   ATAKAN ALI YILDIRIM
   CEO & Co Founder
   SHORT PRODUCT INFO:
   OVERVIEW OF OUR PRODUCTS
   We thank all those who have actively supported us. Due to
   the close cooperation with our partners and consultants
   within a short time a very friendly and familiar atmosphere
   has arisen, which has led to a concept that is unique.
   We are very confident and hope to exceed the users’
   expectations.
   The technical details of the Whitepaper will be following after the ICO funding-phase.
   Follow us on www.payera.io or on our social media channels for update information.
   The payment platform
   with buyer- & sellerprotection,
   wallet and
   exchanger.

exchanger.äuferschutz,
Wallet + Exchanger.
The simple online-shop
with the best user
experience for merchants
and individuals
The crypto-card for
everyday payments.
PAYERA SHOPERA CARDERA
02
Buyers have the ability to pay the seller with their own, preferred
cryptocurrencies while they are under a full buyer’s protection.
SUMMARY
We have analyzed the most recongnized Fiat payment protection
platforms, refined the concept, combined those with the innovative
functions of the blockchain and integrated our unique Pera Token.
Sellers can decide whether they want to receive the purchase amount in Fiator
in the requested cryptocurrency being listed in the wallet.
PAYERA charity: A percentage of the fees we collect will automatically be
deposited into a donation pot, which will be evenly divided according to
continents.
After a certain predetermined amount has been collected, our PAYERA
foundation team will fly, regardless of religion or nationality, into any needy
region to provide support.
It is planned, according to the local situation, to build schools and water wells
and supply school materials to support the education of the children as
needed in each locale.
So as a PAYERA user you will be automatically contributing to this charity.
PAYERA: The payment platform with wallet and exchanger that enables
tradesmen and private individuals to experience safe crypto shopping.
SHOPERA: The user-friendly online-shop platform, where merchants and
individuals have the opportunity to sell new and used goods.
We have analyzed the most frequented online-shop portals and focused on
the most user-friendly features of the providers. We want to make sure, that
SHOPERA will be easy to operate and that you enjoy the best user-experience
ever.
CARDERA: Your crypto-payment-card for everyday use, which offers more
flexibility.
The card is connected to your PAYERA wallet and you have the ability to
make purchases or withdraw Fiat-money at ATMs as you are used to, except
that you use the coins in your PAYERA wallet therefore.
ICO
(Initial Coin Offering)
03
An ICO is a method to finance an enterprise. The so-called „initial coin
offerings“ are somewhat comparable with an initial edition of securities on
a stock market.
ICO is an opportunity to purchase token for projects in the blockchain
ecosystem through crowdfunding. Supporters and investors purchase the
project token and may commercially operate with the purchased token
according to the listing on different platforms.
04
BLOCKCHAIN AND THE FUTURE OF
PAYMENTS
Cryptocurrencies have evolved a great deal to what they are today. In the
past, it was called play money for gamers, today it is called, amongst other
things, speculation. Many users deal on different exchange stock markets to
generate profits. Although blockchain technology has immense potential and
many advantages over the payment system nowadays, many sellers don’t
accept Bitcoin & Co as a currency.
We are convinced that technically and also concerning the market statistics a
rapid growth of blockchain and smart contracts is foreseen. Business models
such as banks, retailers, insurances and all other affected enterprises have to
adapt their traditional and outdated business models. As the blockchain
industry has already reached its post-inception-phase, the world is ready for
strong products like PAYERA.
05 PROBLEM
Despite many advantages of blockchain technology and crypto transactions
including extreme speed, low fees and high flexibility, cryptocurrencies are
only rarely used as payments. Buyers and sellers are insecure due to floating
rates and complicated application. For this reason, enterprises still use the
traditional Fiat payment systems connected to banks and financial
institutions. Buyers want the security that transactions with cryptocurrencies
provide through a protected trade and -in case of a problem arises - a
guaranteed refund of the payment. Sellers want to increase their turnover
and establish themselves in the crypto scene. This is why PAYERA has set a
goal to establish trust between buyer and seller.

1. MISSION
   PAYERA from its structure is pretty similar to the most successful e-commerce
   enterprise in the Asian region, but much easier to handle. Combined with
   SHOP- & CARDERA we offer a multifunctional solution which does not exist on
   the crypto market yet.
   We will build upon on the best attributes cryptocurrencies have to offer -very
   fast transactions and low fees- to enable sellers to market to the worldwide
   growing audience of crypto users.
   This project, with all its features and yet impressive in its simplicity, will be an
   incredible and unique product for the crypto world that can be funded
   through venture capital investments.
2. VISION
   Our mission is, to be our customer’s
   first choice. The place, where you
   preferably buy with crypto. We have
   committed ourselves to perform all
   our actions economically and ecofriendly.
   Our vision is to become the crypto
   enterprise with the biggest number of
   users worldwide, the place where
   crypto owners can do online-shopping
   worry-free. We are also seeking to
   become the leading global and
   universal crypto platform.
   06 CONCEPT
   BUYER SELLER SUPPORTERS
   BUYERS are protected against
   criminals, as we offer a full
   consumer protection for all
   transactions done through
   PAYERA. This protection
   includes all conventional goods
   as well as services. You also
   have the possibility to do
   internal wallet transactions free
   of charge.
   SELLERS obtain the perfect
   solution to get established in
   the crypto scene and to increase
   their proper sales volume. We
   offer a full protection against
   volatility on the crypto market
   by offering an optional payment
   in Fiat or the requested coin.
   PAYERA also has lower fees and
   a shorter holding period
   compared to other systems.
   Sellers also have the
   opportunity to do internal
   wallet transactions free of
   charge.
   For Supporters the PERA will
   take on an important role in the
   future concerning the crypto
   payments, PERA is not going to
   be a speculative coin.
   Our supporters finance a real
   business model that will be far
   from pseudo-speculations.
   We are confident, that our
   token will be established also on
   other platforms.
   PAYERA offers an easy multifunctional solution for crypto users and sellers.
   We are going to create a new era in the crypto-payment gateway with PAY- / SHOPand
   CARDERA.
   09 SOLUTION
   10 CROWDSALE INFORMATION
   On April 3rd
   , 2018 we have opened the private sale to get attention from investors.
   On May 30th
   , 2018 we will start the Pre-ICO sale to gain attention from the community.
   On June 20th, 2018 we will launch the ICO with the goal to reach $ 60 million USD in funding.
   Private Sale 3 %
   Pre ICO 10 %
   ICO 57 %
   TOKEN SALE BREAKDOWN
   After the ICO, the unsold amount of tokens intended for the ICO sale will be burned.
   Thanks to our highly motivated team that put a special focus on Roadmap, we are proud to
   say that what we have achieved up to today has been supported through our own means.
   The available means will help us to realize our project and will keep us following our passion
   for the crypto currency.
   In order to build up the PAYERA project in the segments development, marketing, team
   expansion and distribution, we need your support, but first of all your trust.
   We are convinced that we will push PAYERA to the top of the market and we are looking
   forward to every new business partner on this way.
   Together we will build a new era in the crypto world.
   ICO STRATEGY
   WHEN PRICE
   PRE ICO START
   ICO START
   May 30th
   , 2018, 14:00 Uhr GMT / UTC +1

+GMT 1 June 20th
, 2018, 14:00 Uhr GMT/UTC +1

+GTM 1
$ 0.035 USD
$ 0.05 USD + 25 % referral
0.06 USD + 25 % Referral
ADDITIONAL INFORMATION
TOKEN SYMBOL / PROTOCOL:
TOKEN QUANTATI:
2.100.000.000 Milliarden MAX HARDCAP:
ICO PAYMENT MEANS: ETH, BTC, LTC, DASH
PERA / ERC233 (Casper)
$ 60 million USD
2,100,000,000
11 ICO DETAILS
13 PROTOCOL / TOKEN
Security is our highest priority. Any threat will be patched and published
through our specialists.
We will insert a self-repair-code in our updates.
We don’t just secure our customers’ data, we also encode and distribute them
to redundant servers on various continents to ensure datasecurity and –
consistency.
We do not pass on any data to third parties or for purposes for market
analysis.
The verification is only needed against would-be criminals.
ADVANTAGES
The Casper-Protocol POS (Proof of Stake) is our chosen protocol, especially for cryptoeconomical
reasons, due to its many advantages concerning our environment in
comparison to the standard proof of work protocol.
Ethereum Casper is technologically advanced and superior in comparison to other
protocols. We always remain up to date regarding the crypto technologies and only
implement the most effective technologies for our users and PAYERA.
Ethereum is one of the most known and most accepted protocols in the crypto world.
There are many application possibilities and it has many supporters in the crypto
community.
12 SECURITY
NOTE:
If the Ethereum development team is not able to terminate the protocol test phase till the start
of ICO, we will implement our token into the ERC233 protocol.
14 MORE ABOUT PAYERA

1. Guidelines for the PAYERA buyers’ and sellers’ protection are
   transparent and simple. Established providers usually need a long
   processing time and are based on a protection program that only
   protects physical goods. Crypto-based services only serve as a payment
   system and don’t offer any security against potential criminals.
   PAYERA offers extended consumer protection for physical and virtual
   purchases as well as services.
2. Due to high fraud risk, most providers require many documents which
   slows down the refund. Holding times of four or more weeks are not
   unusual.
   Should an issue arise, we will find a simple solution for both parties
   (buyer/seller) and refund the payment immediately after solving the
   issue.
3. We will offer an easy solution for issues that may arise. The parties will
   have the opportunity to clarify the problem in a live chat within a selfmediated
   discussion for the time being.
   If there is no solution reached, we offer the option to involve our
   clearing mediators as a third party and to chat in real-time. Our task is
   to solve conflicts straightforward and promptly. Should a mediator be
   involved, the offender will be responsible to pay a fee of 1% of the
   merchandise value.
4. We will give buyers the opportunity to rate the seller after a completed
   purchase. The seller can reach different rankings in the system
   depending on his success rate. With good ratings he has some
   advantages like an immediate paying out and lower fees.
5. Users can send coins in the wallet free of charge. Additionally, the
   private user can transform his user account into a business account.
   Providing wallet transactions free of charge, we unfortunately cannot
   offer a refund or guarantee.
6. For the seller’s protection we will exclude buyers who repeatedly
   receive negative feedback from further purchases. Naturally, prior to
   this we will first throroughly investigate the case to verify the facts
   before taking such steps to exclude the buyer.
7. While other suppliers charge a fee between 2.9% and 5% of the total
   purchase, PAYERA only demands 1% -and, depending on the seller’s
   ranking, it could be even less.
8. Charity: A percentage of the fees will automatically be desposited into
   a donation pot that will be evenly divided according to continents.
   After a predetermined total amount has been collected, our PAYERA
   foundation team will fly, regardless of religion or nationality, into any
   needy region for support.
   It is planned, – according to the local situation – to build schools and
   water wells and supply school materials to support the education of
   the children as needed in each locale.
   So, as a PAYERA user you will be automatically contributing to the
   charity.
9. Recommendation Program: When you promote a seller, we will
   reward you for a lifetime for any through your recommended seller
   sold article on our platform. A certain percentage of the fees made on
   each sale will go automatically into your wallet. The seller registration
   must be activated through your personal link or your profile name. The
   recommendation program has a positive impact on the economic
   growth of the sellers, private individuals and for PAYERA too. We
   would say it is a win-win-situation.
   10.From time to time there will be votes between the users. They will
   decide which other cryptocurrencies should be listed in the wallet.
   Additionally, an exchanger will be integrated. The exchange solution
   will give the users the opportunity to change coins free of charge or to
   change them into Fiat.
   11.You can log-in to your wallet with your finger print, via face recognition
   or a pin code. PAYERA has no access to your user account as you are
   the holder of your own private key.
   15
   1
   MORE ABOUT
   SHOPERA
   Our concept also offers an online-shop which allows
   merchants as well as the private individuals to offer their
   goods and sevices without any risk on the crypto market.
10. Do it easy instead of complicated. We have analysed the most common
    online-shops on the market and decided to create SHOPERA to make it as
    easy as possible for the users: registration – log-in –taking pictures of the
    goods – set the price – a brief description - and your advertisement will be
    online. Merchants as well as private individuals now have the opportunity
    to shop with crypto currencies. Through a location setup (optional) you can
    locate which article is for sale in your close environment, the distance can
    be chosen freely.
11. Each online-shop charges a basic fee per article being sold. After having
    analysed the most common markets together with our consultants we
    decided to charge a basic fee between $ 0.05 USD and $ 0.50 USD
    depending on the value of the goods using the shop.
    We decided that private users can sell their goods free of charge through
    SHOPERA. In order to be fair towards the dealer, a private seller can advertise and
    sell max. 10 articles per month free of charge. By paying an extra fee, a private
    seller is also allowed to sell more articles. Please note that only purchases and
    sales are protected through PAYERA. By picking up the goods by yourself at the
    sellers’ destination unfortunately there will be no buyer’s protection.
    16 MORE ABOUT CARDERA
    With our concept a paying card should not be missing. We now
    have presented you two online solutions which offer a shopping
    paradise for crypto users
    With CARDERA, the crypto-payment-card for everyday use, we want to offer our
    customers being flexible even offline. You will get paid out your coins towards Fiat
    currency at ATMs or easily purchase your goods. For the future it is planned to
    introduce a partial or full salary deposit.
    (The card is going to cost $ 20.00 USD uniquely).
    Note:
    Dear prospectives and supporters,
    As there are actually problems concerning the visa cards of some designated entrepreneurs, we
    have been advised of a successful ICO to set the card in our roadmap deliberately on Q2 2020.
    Our intentions will be to reach our target earlier than planned and to market CARDERA
    successfully. Please understand that we are systematically following our targets step by step
    and don’t want to promise anything we cannot realize.
    17
    03.04.18
    PRIVATE SALE OPEN
    20.06.18 - 18.07.18
    ICO
    Q1 2019
    BETA WALLET / APP
    Q3 2019
    SHOPERA BETA
    Q1 2020
    ONLINESHOP APP
    Q2 2020
    CARDERA
    30.05.18 - 15.06.18
    PRE-ICO
    Q4 2018
    INFRASTRUCTURE
    Q1 2019
    OFFICIAL WALLET
    Q4 2019
    OFFICIAL SHOPERA VERSION
    Q1 2020
    API INTERFACE
    Q3 2020
    CHARITY
    ROADMAP
    Note:
    Dear prospectives and supporters,
    please keep in mind that the timeline
    of our roadmap will shrink drastically
    by reaching the hardcap.
    18 TEAM
    THANK YOU!
    E-mail: info@payera.io
    Web: www.payera.io
    This Whitepaper has been published on June 2
    nd, 2018