Savedroid

February 17, 2018

Savedroid

This is savedroid

Within only 2 years, savedroid has already left its mark in the German FinTech space.
We have built an award-winning, cutting-edge AI savings ecosystem that is available for
free on Android and iOS in Germany. The app is targeting a younger user group
- 90% between 18 and 44 years - and has registered more than 200K downloads and
multiple millions of saving transactions have been processed so far. We have created
enormous economic value for our mass market users. And high customer satisfaction -
just have a look at our app store ratings:

It is savedroid's goal to help people with putting money aside in a dedicated savings
account, using personalized AI based savings rules. These rules-also known as
"Smooves", a contraction of "smart saving move" -allow users to turn their everyday
habits, such as exercising, checking their smartphone, using social media apps or
shopping, into pure savings. savedroid has solved the challenge for common people to
save money - it provides smart and fully-automated micro-savings and even spend
optimization - using a self-learning algorithm with a convenient UX understandable for
everybody. Thereby, we successfully democratized everyday savings.
savedroid was selected to be a member of the Deutsche Börse Fintech Hub and
Deutsche Börse Venture Network - a program run by one of the world's leading stock
exchanges to prepare selected growth companies for an IPO.

But how does it work? Based on our AI technology, so called "smooves" turn the user's
everyday activities into automated savings, e.g .: You go for a run - savedroid saves € 5.00
for you, you hit the snooze button - we save € 0.50 for you, you buy at Amazon - we save
5% for you ... and many more.
Via our partner bank Wirecard, we offer every user a free savings account. With every
triggered smoove, a small sum is transferred to the savings account, so that the saved
amount grows day by day.

And the system is working: multiple millions of savings transactions have been triggered
through the savedroid app and multiple millions of euros have been set aside to achieve
our users' individual wishes and maximize their lifestyle.

Optimization of Spend

savedroid is not only about "saving money" in the meaning of "putting money aside" but
also in the meaning of spending less for everyday costs. Since savedroid's algorithms
have insight into what kind of transfers the user is making from his bank account, it can
identify what contracts he is paying for. Using this information, savedroid's self-learning
AI algorithm directly suggest tailor-made offers which are cheaper or provide better
value for money.

Is there a less expensive mobile phone contract available than the one that the user
currently holds, meeting the same or even better conditions? A better electricity or gas
provider? A cheaper credit card? If so, the user will receive a notification together with
an invitation to switch to the new provider, all in-app. This way, savedroid is not only a
micro-savings simplifier but also a personal finance optimizer.

And it is all based on the latest artificial intelligence technology!

Partner Ecosystem

savedroid has built a very strong ecosystem of renowned partners3
, many of them
leaders in their respective field of operations. With these partners, savedroid can not
only offer the best services to its users but can also benefit from the reach, trust and
reliance of its strong partners. We choose our partners based on capability of
innovation, implementation speed, reputation and user focus.

Let's start with Deutsche Börse. As operator of the trading platform Xetra and the
Frankfurt Stock Exchange, Deutsche Börse calculates the DAX share index and is listed
with their shares on the DAX. When the Deutsche Börse opened its Fintech Hub in
Frankfurt in 2016, savedroid was one of the first tenants. Together with four other
startups, savedroid uses the infrastructure of the incubator. This includes access to the
network of Deutsche Börse AG. savedroid is thereby part of the Deutsche Börse Venture
Network with over 400 members from all over Europe. The Deutsche Börse brings
together young growth companies and investors on this platform. Since its founding in
2015, approximately 1.4 billion US dollars of investment were collected via the venture
network.

The smart saving app by savedroid is implemented with the support of the Wirecard
Bank. Wirecard manages the technical and banking law requirements for the savedroid
savings account, into which the users of the app, with the help of the so-called
"Smooves", money transfer. Wirecard, based near Munich, is a publicly-traded
international technology and financial services company with approximately 4,000
employees, over one billion euros turnover and a market capitalization of more than 10
billion euros. Wirecard is one of the top five stocks on the German stock technology
index TecDAX.

Another savedroid partner in the top five of the TecDAX is the telecommunications
company Drillisch, located near Frankfurt.

Drillisch is one of the largest high-flyers on
the German stock market and its share price has increased by a factor of 80 since 2009.

The savedroid Token - SVD

We create an ERC20 utility token with a built-in deflation mechanism as suggested by
Vitalik Buterin4
to support the future value of the savedroid token. The saved toroid
- with the short name "SVD" - can be used to purchase the crypto services within the
savedroid ecosystem. Users of our automated crypto saving and investing will use the
savedroid token to pay the fees of these crypto services. Once, a savedroid token has
been used for a purchase within ecosystems we will burn a certain
percentage of these tokens to support the future value of the tokens. You can also sell
the SVD privately, in supported token exchanges, or hodl [sic] it.

Moreover, using the SVDs within the savedroid ecosystem will provide additional users
and network benefits to further stimulate growthroid as growth in more
detail below.

Value and Strategy

The intrinsic value of SVDs derives from its functionality within the fast growing
savedroid ecosystem of AI based crypto saving and investing. Therefore, the savedroid
token offers a highly attractive opportunity and may increase in value based on the
financial model as outlined in more detail in chapter 6 below.

savedroid, for the first time ever, provides mass market users with easy access
to cryptocurrencies without technological adoption barriers. Within savedroid's unique
AI fueled ecosystem, users will profit from convenient AI-based crypto saving plans in
Bitcoin, Ethereum, Bitcoin Cash, Ripple, Litecoin, IOTA, Dash, Stellar, etc. and superior
crypto investment opportunities, such as portfolios, derivatives, and ICOs. savedroid will
create a smart UX which automatically auto-converts savings to cryptocurrencies,
securely stores them, and makes them easily accessible, tradeable, and spendable.
We are
will offer all of these crypto services for a reasonable fee (we might adjust the fees over
time to address latest market developments). Our users will be required to purchase all

consumed crypto services within the savedroid ecosystem using SVD. Hence, more
users of the savedroid ecosystem will translate into a higher demand for savedroid
tokens.

When a user takes his savedroid tokens to pay for a crypto service, we collect his
savedroid tokens and automatically burn a percentage of these tokens. Thus, the
number of available savedroid tokens will decrease over time. Below the line, this will
support the future value of the savedroid token.

In other words, a percentage of the savedroid crypto service fees will automatically be
removed from the pool of available SVDs by every single purchase. Thus, the more the
savedroid ecosystem is used, the further the supply of SVD will decrease.
So, eventually, our user growth will drive an increasing demand for savedroid tokens on
the one hand and, at the same time, a decreasing supply of savedroid tokens on the
other hand. Hence, the value of the savedroid token depends, among other factors, on
our future user growth.

A token holder that decides to hodl SVDs, though it may be subject to exchange
market fluctuations, might enjoy a protective layer that links the value of SVD to
savedroid's sustainable crypto ecosystem. This so called intrinsic deflationary
mechanism makes SVD a valuable utility token. It should be stated however, that the
value of the SVD will be driven by market supply and demand and will not be derived
directly from savedroid's activities. Please note that holding SVD does not trigger the
right of redemption cash or cash equivalents or the payment of a fixed or determinable
income by savedroid. Token holders must not reasonably expect to generate profits
through the sale of SVD to other persons. The savedroid token will grant legal rights of
access to crypto services only within the savedroid ecosystem. Any other forms of
financial incentives token holders SVD are outside
of savedroid's control and will be derived through their own efforts.

As the savedroid is not paying any interest or dividends it also qualifies as a
Sharia-compliant Islamic investment opportunity.

The Initial Token Sale

Token Issuance

savedroid is up and running fast for more than 2 years, has a successful product live
with a strong track record of the latest AI technology and state-of-the-art UX, a massively
growing and highly engaged user base, and relevant revenue streams. Now integrating
cryptocurrencies is a logical and very important leap forward to consistently expand the
savedroid ecosystem. Further extending our AI technology, integrating B2B partners,
growing our talent pool with the right developers, UX designers, marketing
professionals, setting up the legal framework, and, of course, driving significant users
growth through targeted performance marketing requires substantial additional
investments.
By launching an Initial Token Sale ("ITS", often also referred to as ICO - although a token
sale is not the offering of coins), we would like to give the crypto community the amazing
opportunity to participate in savedroid's success story, instead of limiting access to a
small number of traditional venture capital funds. Besides, an ITS is quick, transparent,
and efficient and, thus, empower savedroid to expand its ecosystem and launch the AI
fueled crypto saving and investing features much faster.
Issuing SVD also allows savedroid to be backed by the participants from all over the world,
who will have access to SVD right after its creation and can help to spread the word of
savedroid's new crypto services to facilitate user growth and create additional value for
the saved token. After the ITS, savedroid will aim to list SVD as soon as possible on
relevant token exchanges. We will communicate the exact starting dates of the SVD
trading once we have received final confirmation from the token exchanges.
Participants can be part of this immense opportunity to allow everyone world wide
to
have their micro-savings automatically converted in cryptocurrencies and profit from
the massive future potential of cryptos.

SVD Distribution and Allocation Scheme

SVD Distribution

60% of the maximum number of SVD will be offered for sale during the Pre-Sale and the
Main Sale. The remaining SVDs are reserved and will be distributed as follows:
10% will be reserved for community initiatives, business development, and expansion.
5% will be allocated for our bounty program for ITS participants. A further 10% will be
retained for distribution among advisors, community managers, smart contract
developers, and legal. The remaining 15% of SVDs will be distributed to savedroid's early
equity investors and the savedroid team as an incentive to ensure long-term alignment
of interests and commitment to the savedroid ecosystem and, hence, the savedroid
token and their future value.
All reserved tokens (except bounty tokens) will be locked and vest 1/20 per quarter, i.e.,
linear vesting over a total period of 5 years. This means that, each quarter, the owners
of reserved tokens can only sell up to 1/20 of their effective allocated
SVD.
All lock-ups will be controlled by a dedicated smart contract ("Vesting Contract") that will
be publicly available.

Status quo & Roadmap

Since its launch, savedroid has built a fast-growing AI platform for saving and spending
based on self-learning AI algorithms analyzing and optimizing users' personal finances
to fulfill their wishes and maximize their lifestyle. savedroid has delivered strong
momentum with 200K + app downloads, 10M + saving transactions, high user
satisfaction and engagement, a 97% user recommendation rate based on great UX,
convinced many blue chip B2B partners as well as trusted media and won prestigious
awards, and, furthermore, formed an experienced and diverse team of AI, UX, Tech,
Finance, and Marketing experts. Thus, savedroid has built a proven track record of its
capabilities to simplify complex savings processes and is now set and ready to
simplify crypto.

savedroid is fully committed to the path to success and pursue a clear roadmap
leveraging its existing core assets of state-of-the-art AI technology and great UX to bring
cryptocurrency saving and investing to the masses.