TECHNOPRENEUR DEVELOPMENT

PROJECT
PROPOSAL

Prepared by
10 PIPS ACADEMY
 TECHNOPRENEUR DEVELOPMENT PROJECT

Content on the Project

TITLE PAGE
1. The Technology 3
2. Important of Technology 4
3. What is Blockchain technology 5
4. The important of Blockchain 6
5. Blockchain by the CryptoCurrency 7
6. Quantum leap of financial technology (fintech) 7
7. CryptoCurrency in Malaysia 8
8. Blockchains.My and Dinar Dirham 9
9. Smart Investment on DNC and the Ultimate Growth of Investment 11
10. Conclusion 12

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1. The Technology
In the new era of Smart phone, it is the fact that the world had already been change
from the conventional system to the digital system.

Online systems are more becoming the selected choice of living. Drones and
autonomous vehicles, blockchain, augmented and virtual reality, increasingly
sophisticated digital assistants, machine learning (artificial intelligence, or AI) — the list
of technological megatrends just keeps growing. The Big Five are actively branching
out into new businesses.

For now, let‘s talk about the Internet Of Things (IoT) as is the most trending topic for
tech savvy. Technology of internet is now evolving to the level of upgrading.

It is for good reason as some of the most popular companies and brands we know
and use daily have already harnessed the power and potential of the IoT. In it‘s easiest
example, the IoT is a gigantic network of ―connected things‖ that have the ability to come
together. The IoT can also basically connect any device with an on or off switch to the
internet thus leveraging it to perform a specific function. For example, Facebook
harnesses IoT by connecting the world‘s population on different devices while Amazon is
utilizing the IoT to bring together a universe of diverse retail items to the global
marketplace. IoT‘s application really can apply to many verticals and many situations
within them.

Figure 1: Simple illustration on concept of IoT:

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2. Important of Technology
Let see how important the IoT nowadays as it affect our living style. The Internet of
Things comes in various applications and contexts that are beginning to gain traction and
popularity around the world. Examples of these include; smart homes (homes equipped
with lighting, heating and electronic devices that can be controlled remotely by a
smartphone or computer), wearables (Apple Watch or fitbits) and connected cars (one
that is equipped with internet access usually with a wireless local network). As you can
tell, while the world may have gone a bit crazy with trying to input the internet into any bit
of technology, however, the reality is that the Internet of Things is designed to aid our
day to day lives and it is estimated by Gatner that by 2020, there will be over 26 billion
connected devices dedicated to this cause.

The IoT will inevitably assist us in our day to day lives in the future due to the simple
concept of machines talking to each other which in turn can learn basic commands or
patterns for our benefit to simplify general workflows shared by millions of people around
the world daily. For example, if your alarm clock goes off at 5am one morning, in an
interconnected world it would send a signal to your coffee maker or shower to turn on so
that you can work through your typical morning as such. Is this really necessary in this
scenario? Maybe but you get the point. The IoT does truly allow for endless possibilities
and connected device opportunities to take place in it‘s truest sense. One main concern
however will remain to be discussed as much in the future, if not more than it is not,
that‘s the security aspect of these connected devices.

Thus, in the security wise, let‘s see examples here, would it be possible for a hacker
to reach your entire network and array of devices through something as simple as your
fridge? The data contained within these devices may be somewhat pointless to many
however, it is still data and does display a pattern of the subject or person at hand.
Whether this data is then able to be ethically utilized for the most accurate market
research and consumer behaviour trends in history or unethically through the
aforementioned hackers is dependent on who gets their hands on it, however, it is
generally more of a positive sign for those involved in the business world that we will
soon be able to gather more data on our target markets in terms of the most niche
products or workflows that can as a result be aided. To ease your mind though, as the
world‘s technology continues to develop at a more rapid pace than ever before in history,
security programs and services associated will no doubt keep up with any potential
threats associated with the innovations industry wide.

On a broader scale, the IoT can be applied to things like transportation networks:
―smart cities‖ which can help us reduce waste and improve efficiency for things such as
energy use; this helping us understand and improve how we work and live.

Hence, welcome to BLOCKCHAIN technology as it will now REVOLUTIONIZE the

IoT System.

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3. What is BLOCKCHAIN TECHNOLOGY

A blockchain is a digitized, decentralized, public ledger of all cryptocurrencies

transactions. Constantly growing as ‗completed‘ block (the most recent transactions) are
recorded and added to it in chronological order, it allows market participants to keep track
of digital currency transactions without central recordkeeping. Each node (a computer
connected to the network) gets a copy of the blockchain, which is downloaded
automatically.

"The practical consequence […is…] for the first time, a way for one Internet user to
transfer a unique piece of digital property to another Internet user, such that the transfer
is guaranteed to be safe and secure, everyone knows that the transfer has taken place,
and nobody can challenge the legitimacy of the transfer. The consequences of this
breakthrough are hard to overstate.‖- Marc Andreessen

Figure 2: Simplified process on Basic Concept of Blockchain.

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4. The important of BLOCKCHAIN

Blockchain Technology contents three (3) key factors that make it important and the
chosen technology after INTERNET. The key factors are:
a) Transparent
b) Integrated
c) Secured

By the three (3) factors above, a lot of industries involve and starting to adopt this
marvellous technology. It also helps the growth of their business quality and services.
Some of country such as Russia, Dubai and several others is implementing the
Blockchain technology as their system backbone.

The powerful security of blockchain has made it so successful in the new technology
as nobody can interfere, intercept, hack, manipulate, and all data are recorded in both
public and private legder, decentralized as no main server, everybody is the ‗server‘,
network is the ‗heartbeat‘.

Blockchain is not just transform the financial sector, it may also use in the
Automotive, Voting, Foods and Beverages, Educations, Health Industries, and also
Charity Works as used by the United Nation to supply the Donation to Pakistani citizen as
article below;

Figure 3: Article showing the uses of Blockchain

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5. Blockchain by the CryptoCurrency
As we know, Blockchain are the technology developed by the inventions of
CryptoCurrency. Though, it is so important as more than financial transactions functions
and the capabilities to live by itself in the network. Blockchain already the technology that
have been choose wisely for the people that count on integrity of their Financial Data
Records.

Digital transformation on Financial Service are now becoming the main trends for the
year 2017, as reported in article Forbes online wrote by Daniel Newman on 9th may 2017
says that, 40% percent of Americans not stepped has to their banks for the last SIX
MONTH due to the rise of online and mobile banking. Finding mobile ―financial wellness
platforms‖. In other words, banks are no longer the only game in town when it comes to
financial management. It seems more and more consumers moving to digital currency
(cryptography) — digital deposits — even digital investing.

6. Quantum leap of Financial Technology

(FinTech)
By the research done, cryptocurrency analyst, these are some of the Countries that
already in massive usage of the CyptoCurrency as their routine transactions. It shows as
below;
a) Japan
b) Estonia
c) USA
d) Denmark
e) Sweden
f) South Korea
g) Netherlands
h) Finland
i) Canada
j) United Kingdom
k) Australia
l) Philippines – 72% BTC Holder
m) Russia
n) Vietnam
o) Cambodia
p) Indonesia
q) Malaysia
r) China
s) Singapore (Asian Fintech Hub)

We may see above how the cryptocurrency affects the ‗Big Bro‘ in the world of
Fintech.

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 7. CryptoCurrency in Malaysia
As to follow the world‘s changing technology, Malaysia already started to be serious
in the Blockchain Development. Several projects have been in the process of adoption to
―BLOCKCHAINIZED‖ the system in some government sectors.

By doing so, the projects of Blockchain Technology led by MIMOS under the
Malaysian Ministry of Science, Technology and Innovation (MOSTI) in the run of piloting
the Special Task Force system equipped by the Blockchain Tecnhology will soon
implement in 2018.

Past week, in Cyberjaya, launching on ‗TaPay‘ the E-Wallet system shows that how
serious the responsible agencies in government in the digital currency, its vision is to be
the First City uses Cashless Payment in the routine transaction for the surrounded
community. This project is under Fullrich Malaysia Sdn Bhd, Affin bank Group, Aladdin
Street and Myrelo.

Let us fly over the South China Sea, to the land of Hornbill, where the city is adopting
the Digital System, by the Project name Sarawak Pay as below article.

Figure 4: The article on Sarawak Pay

Another project in Sarawak supports by the AmInvestment Bank chief executive officer Raja
Teh Maimunah Raja Abdul Aziz as she told the media, “Regulators should allow the usage
of cryptocurrency in Malaysia rather than ban it, as the electronic money can serve as an
universal currency while help eliminate foreign exchange cost.”

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 8. BLOCKCHAINS.MY & DINARDIRHAM

We are now introducing the BLOCKCHAINS.MY company that fully generates the entire
business using the Blockchain Technology.

Blockchains.My are company that registered in Republic of Singapore as the country is

the SOUTH EAST ASEAN FINTECH HUB. Blockchains.My registered as BCMY Pte. Ltd is a
unique IT company which conduct the business worldwide with the objectives of :

 To expand the utilization of DNC and other Cryptocurrencies that can be stored in
the BCMY Wallet
 To promote the payment mechanism that uses crypto wallet and NFC
technology.
 Blockchains.my is the first Mobile application in Asia that provides platform for
gold and digital currencies investment based on blockchain technology.
 Blockchains.My is a breakthrough in digital wallet design.
 With integration of NFC cards and VISA debit cards to combine cryptoworld and
conventional finance. The first Smart Card in the world that provides the facilities
of:

Figures 5: The Features in BCMY Wallet

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 By the powerful of BCMY Wallet, the innovations of CryptoCurrency name DinarCoin
invented. The DinarCoin (DNC) was the CryptoCurrency developed by DinarDirham.

DinarDirham is a global FinTech company with offices in Hong Kong, Kuala Lumpur and
soon in Dubai, providing online and physical gold, forex and metal investment solutions
worldwide. With over 10 years of forex trading platform development, DinarDirham is built as
a decentralized gold and forex investment platform, using the latest technologies to provide
transparency, reliability and security.

DinarDirham teams of highly skilled multi-national professionals have an extended

expertise in forex platforms development, blockchain based solutions, cryptocurrencies,
security, internet marketing and worldwide business. DinarDirham mission is to allow people
to make wise decisions on investment in safe assets in a transparent and decentralized
manner.

DinarDirham produced the World First CryptoCurrency that is backed by Gold Value.
The only Crypto called, Crypto Asset. The only Crypto Currency with its own WALLET.

―Gold is Real Money, everything else is just a Credit‖, quotes by JP Morgan. This is why
DinarDirham with the powerful of Gold Value invented the DNC Value. Gold is anti-inflation,
compares to Fiat Money.

DinarCoin (DNC) is a digital currency, created on the Ethereum Blockchain, being equal
to a gold spot contract from our liquidity provider. Pegged by gold price real time : 1: 1
(using Metaquotes, Custom MT4 platform). One (1) DNC equals to 4.25gram or 999.9 or 24
Carat (Real Time Gold Value Globally).

Users can trade DinarCoin, convert it into real money (ringgit Malaysia, dollars, euro,
etc.), real physical gold or use it as payments at certain merchants. It also may use for
shopping, paying bills, trade with other asset such as BitCoin, Ethereum and other Crypto
Currencies.

DNC uses the MINTING Concept whereby other Crypto Currencies uses the MINING
Concept. Minting is a process where there is a demand, it only supply or generates the
DinarCoin, this shows that there will be no redundancy of Supply with no actual users, the
price will decrease. Let‘s see on the simplified concept on DNC as below:

• Minting concept usage

• Every 1 DNC, will generates 0.1 DNC or equivalent to 10%, for Cash Value it will
gives the return of 8% (+-) in 30 Days
• Contract by Company 6 Months
1. Restock/Renew
2. Buy Back (Cash out, BTC ETH)
3. Redeem to physical gold

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9. Smart Investment on DNC and the Ultimate
Growth of Investment

DNC is called Smart Investment. DNC may assist the investor in various ways to
expand their funding or looking forward onto charity sector.

Saving that gives you return in 180 days as shows in previous page. Let‘s focus on the
Smart Investment calculation as below:

*Please note that, the calculation is just a projection. Benefits/Returns may vary.
Do consult your exchanger/consultant for more elaboration.

a) First Investment

1. Paid up Capital : RM 102,870.00

2. Cryptocurrency Reserved : 127DNC

3. The next day withdrawal: RM 25,386.00

4. Monthly Return (based on 8%) : RM 22,406.00

5. Six(6) Month Accumulated (assuming monthly remain on the acc) : RM 134,436.00

6. Percentage Return after six (6) month: 51% ±

7. Paid up Capital withdrawal after 6 Month + Total Return for six(6) month
a. ± RM 100,000.00 + RM 134,436.00 = RM 234,436.00 ±

8. Extra Benefits after deduction of paid up capital and total return for six(6) month
a. RM 234,436.00 – RM 102,870.00

= RM 131,566.00  Benefits on Smart Investment

(Please see next page for Second Investment)

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 b) Second Investment (Normal Transaction)

9. Paid up Capital : RM2,041,825.00 (USD500,000.00)

10. Cryptocurrency Reserved : 2,521 DNC

11. Monthly Return (based on 8%) : RM163,346.00

12. Six(6) Month Accumulated (assuming monthly remain on the acc) : RM980,976.00

13. Percentage Return after six (6) month: 46% ±

14. Paid up Capital withdrawal after 6 Month + Total Return for six(6) month
a. (±)RM2,000,000.00 + RM980,976.00 = RM2,980,976.00 ±

15. Extra Benefits after deduction of paid up capital and total return for six(6) month
a. RM2,980,976.00 – RM2,041,825.00

=RM939,151.00  Benefits on Smart Investment

*Investor will get the Capital, RM2,000,000.00 (±) + RM939,151.00, with the
total after Sum up equals to RM2,939,151.00

c) Second Investment (Normal Transaction on CryptoCurrency)

1. Paid up Capital : RM 1Billion

2. Cryptocurrency Reserved : 1,234,568 DNC

3. DNC Account Needed: 82 Units / 15,000 DNC

4. Percentage on Every Account in 30 Days: 10% (DNC) or 8% ± (Cash Out)

5. DNC Gain per account: 1,500 DNC

6. Cash Gain per account: RM 1,125,000.00 (±) (price per DNC:RM750+-)

7. Total Cash Amount Per 30 Days: 82 x RM 1,125,000.00 = RM 92,250,000.00

8. Total Cash collected for six (6) Months: RM 553,500,000.00

9. Capital + Cash Collected = RM1,000,000,000.00 + RM 553,500,000.00

= RM1,553,500,000.00  Benefits on
Smart Investment

By the Smart Investment by DNC, Investor will gain 50% extra profits by the Total
Capital in six (6) Months.

On the calculation above, the Tremendous 82 Account generates 10% profit every 30
days as per account.

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10. Conclusions
• INTERNET IS JUST A VALUE ADDED SERVICE, now it is part of our routine. Same
goes to BLOCKCHAIN. The world has evolved.

• “Banking is compulsory, though bank is not needed” – Bill Gates

• Manage your savings, more BENEFITS, SECURED & INTEGRATED which all
recorded by public ledger.

• Together strive with the transformation on NEW ERA OF WORLD TECHNOLOGY

• SMART TECHNOLOGY + REAL TRANSACTION = SMART

SAVINGS/INVESTMENT

• SMART SAVINGS is your smart choice!

-End of Proposal-

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