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Cryptocurrency has been able to present an easy to use digital alternative to fiat currencies. Offering frictionless transactions and inflation control, investors have been prudent enough to add these currencies in their diversified portfolios as an asset, as the size of the market does not represent a systemic risk. Cryptocurrency employs the use of cryptography that assures high-security processes and verifies transactions personal to each user. Hence, counterfeiting and anonymous transactions are impossible to achieve.

While this revolution is gaining wide acceptance, IOU reinvented the existing loyalty system to provide traders with flexibility, control and more benefits to ensure the highest level of customer satisfaction that might occur for marketing expenses incurred.

"In today’s highly competitive e-commerce market, brand loyalty can be a subtle concept. According to a research, more than 2 billion loyalty program memberships are present. Remember that top customer is 5-6 times more valuable than the other 90% of the customers. Many e-commerce retailers gain major benefits from loyal customers. Companies see an average increase in repeat purchases of 20% – all because of a loyalty program. To express in a simple way an e-commerce loyalty program is a powerful way to increase conversions. This is only possible when the program is overall easy to understand and analyze."

With that being said, IOU is empowering blockchain merchants and consumers with decentralized and secure Peer-to-Peer technology driving customer satisfaction and loyalty through Merchant’s trade-able IOUs.

But before we go any further, please check out this video presentation to get acquainted.

Now that I have your attention, let’s get right to it.

What exactly is IOU?

IOU seeks to reinvent the existing customer loyalty programs in a bid to offer more benefits, control, and flexibility to the merchants. Doing this will make it possible for the merchants to guarantee their clients the best possible consumer satisfaction levels. This will be in exchange for the marketing expenditures already incurred.

The loyalty system being proposed by IOU will make it possible for the business owners to build new interaction levels with their clientele. Additionally, they will also be able to provide an opportunity for their consumers to freely exchange the IOUs in their possession with other consumers. and here, each Consumer truly would become the “agent” targeting other Consumers on P2P exchange seeking to trade their acquired IOUs with other Consumers based on the need and value at the time of the transaction. Such approach allows merchants to obtain a stable influx of new customers and truly loyal customers.

For instance, Consumer A purchased restaurant IOU in Rome and is traveling to Paris might trade his/her IOU with the Consumer B who is traveling to Rome for the restaurant in Paris. They believe many Consumers would choose to purchase multiple IOUs from the same Merchant if the offer is attractive to have opportunity to trade some with other Consumers. This approach drives customer satisfaction while giving Merchants would not only get the opportunity to attract new customers but also receive their funds in advance.

IOU has formalized the preparation of its work with each CEO, CFO and COO (each, "Executive") by making a written agreement that formalizes their current work requirements. Such work agreements include restrictive agreements such as non-competition and non-solicitation clauses. The employment agreement also stipulates additional provisions by admiring termination, constructive termination, severance pay and alternative controls from the Executive, together with payments between 6 and 18 months of salary, bonuses and profits in the termination tournament within 12 months after the change of control.

IOU remains at the forefront of the fintech revolution that democratizes access to capital for small businesses. IOU expects to continue to develop mortgage origination and generate profits throughout 2018.

IOU closed the first quarter of 2018 with a adjusted large profit of $ 804,088, which excludes certain non-cash and non-recurring items, compared with two adjusted net losses of $ 0.7 million in the first quarter of 2017. Two $ 1.5 million two improvements in adjusted internet revenues basically caused by two $ 1 million minimizing provisions for mortgage losses as well as $ 0.6 million in reduced work costs in different quarters with the final year of the same duration and for two $ 0.1 million extend gross income.

The global trends in digital e-commerce

Total world population: 7,476 billion people.

Urbanization reaches 54%

Internet users: 3,773 billion.

Penetration is 50%

Social media active users: 2,789 billion.

Penetration reaches 37%

Unique mobile user: 4,997 billion.

Penetration is 66%

Active cellular social users: 2,549 billion.

Penetration reaches 34%

Benefits of the IOU E-commerce Blockchain Loyalty System Platform By unlocking promotional offers from merchants via blockchain, consumers and sellers are listed below:

  • Customer loyalty and retention

All IOU's obligations will be further developed into the Flagship Blockchain loyalty program for entrepreneurs. Therefore, sellers have access to an efficient and safe way to promote all their special offers to consumers.

  • Viral marketing

Customers are basically agents for traders. They can target other consumers on peer-to-peer exchanges to exchange the IOU they have with other consumers. This is something that will be based on the value and needs when the transaction is carried out. This is an approach that allows business operators to attract and maintain stable customer inflows.

IOU peer-to-peer exchange

This special exchange is one that is driven by market flexibility. Customers can safely purchase IOU offers from business owners with each purchase with specific conditions for promotional services or products, such as exchange requirements, limited quantities, and expiration dates.

This is a form of flexibility that might give consumers enough time to use their services or products. As an alternative, they also have enough time to exchange IOUs with those who might be interested in them in any location around the world.


Merchants must pay 5% Gas fee in IOUX Tokens for every IOU offer issued for Consumers (in addition to the 5% Fee on any purchases made by other crypto currency, while purchases made by IOUX Tokens would be exempt). In exchange, to provide incentives for the IOUX Token holders every IOUX Token transaction would be granted additional 5% Discount to the Consumers. Additional 20 Loyalty Tokens would be given equally each time to both Merchants and Consumers after accumulating transactions of 1000 Tokens.

Merchant would also have an option to Guarantee the Service and issue refunds of payments if product or service offered by their IOU offers was not satisfactory. Thus additional IOUX Tokens would be escrowed until the completion of the term of the IOU Offer. During issuance of IOU offers, Merchants must agree to the Token Discount, Service Guarantee and Gas Fee Terms. This structure would ensure high utilization and demand of the IOUX Tokens.


200,000,000 IOUX TOKENS

1 IOUX = $0.28

PRE-ICO 10,000,00040% + VOLUME BONUS

ICO 100,000,000




Allocated for ICO and Private Sale. Company will burn unsold tokens and use 20% of e-commerce transaction fees on buy-back program to quarterly acquire IOUX tokens from listed exchanges and burn those re-purchased tokens.

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Public — 57.5%

Founders and Management — 20%

ICO Advisors and Bounty Marketers — 2%

Company — 20.5%

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Technology — 45%

Marketing / Expansion — 35%

Operations — 12%

Other — 8%


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MAR 17

Market Research

MAY 17

Feasibility Study

JUN 17

Prototype Design

JUL 17

Development Environment Setup

Start Implementing Existing Loyalty System Modules into Blockchain Environment

AUG 17

Start P2P IOU Exchange Development

Phase I: Module Testing and Q/A

OCT 17

Finish P2P IOU Exchange Development

NOV 17

Start Mobile Application Development

Start Phase II: Loyalty Project Development

AUG 18

Finish Phase II: Loyalty Project Development

Start Phase III: Loyalty Project Development

PRE-ICO / White-Listing

SEP 18

Start ICO / White-Listing

DEC 18

Finish ICO / White-Listing

Finish Phase III: Loyalty Project Development

Exchange Listing Initiative

JAN 19

IOU Loyalty System Testing Q/A


IOU Closed Beta Release

APR 19

IOU Beta Release

Start EMEA Marketing Expansion Campagn

JUN 19

End Beta — IOU v. 2.0 Release

AUG 19

Finish EMEA Marketing Expansion Campagn


APAC Marketing Expansion Campagn


North America / Iberia / Latin America Marketing Expansion Campagn


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VLADIMIR SHEVCHENKO: Chief Executive Officer

VITALY GARSHTYA: Chief Visionary Officer

VLADISLAV FRANTZ: Chief Technology Officer / Systems Architect

MAX KOSTIN: Chief Information Officer

EDWARD W. MANDEL: Strategic Advisor – Business Development

SOL ALAN SAAD: Strategic Executive Advisor – International Investment Banking and Business Development

VICTOR JACOBS: Business Development Executive

ANDREAS IOANNOU: Legal and Compliance Executive

MARIOS CHARALAMBIDES: Corporate Structuring and Accounting

ANDREY NECHESOV: Blockchain Developer, Scientist


EVAN BERGER: International Legal and Venture Finance Strategy

GERMAN TANOV: Marketing Strategist

NICK VERO: Sales and Marketing Strategist

MAXIM GARBUZOV: Community Manager. Social Media Marketer.

ROMAN MIROSHNICHENKO: Digital Marketing Strategist. Project Manager.

DR. BING DENG, PHD: Blockchain Strategist / Crypto Investor / APAC Marketing

PUI CHI WONG: Strategic Advisor – Investment Banking, APAC Business Development

DR. PAVEL BONDAREV, PHD: Strategic Advisor – AI Development

LIUDMILA ERUKHOVA: Strategic Advisor – Fintech Analyst

MARLOW ROSADO: Strategic Advisor – Music and Entertainment Partnerships

JOHN ZANOTTI: Strategic Advisor – Business Development

MICHELLE L. STEINGARD: Strategic Advisor – Affiliate Marketing

KONSTANTINOS KASTANA: Strategic Advisor – Marketing EMEA

ARTURAS SVIRSKIS: Strategic Advisor – Marketing

SALINA BO: Strategic Advisor – Compliance

KIRILL OVS: Strategic Advisor – Business Development

TIM CHEN: Strategic Advisor – Marketing APAC

BEL R. LI: Strategic Advisor – PR APAC

KAREN HU: Strategic Advisor – Partnerships APAC

MICHAEL MA: Strategic Advisor – Corporate Sales APAC

CHI LE: Strategic Advisor – PR and Marketing, Southeast Asia

THANG BUI: Strategic Advisor — Blockchain Developer, South Asia

Be a part of this incredible project. Download the whitepaper for the full scoop.

For more information, please visit:



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Author: PEKKA02

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