1

E xe c u ti ve Su m m a r y
Digit s combines the convenience of credit and
debit c ard payment s with the utilit y of
cr ypt ocur renc y payment s, all without issuing
any c ards.
Digits turns any credit or debit card in the
Our team comes f rom Visa, Paypal, ApplePay
and Ripple. We have used our unique knowledge
world into a crypto card. Our technology
of the payment s indus tr y t o create a paradigm will increase the liquidity and stability
shif t in the way pe ople pay with cr ypt ocur renc y of cryptocurrency while stimulating the
while maintaining compatibilit y with the economy worldwide.
exis ting Visa, Mas terCard and AME X networks.

Pe ople and businesses hold over 1.5 billion We achieve this without modification to
credit and debit c ards worldwide, and these the existing credit or debit card networks
are used ever y day t o buy goods and ser vices. making cryptocurrency as easy for
Credit and debit c ards are easy t o use, ubiqui-
t ous, and require the user t o do nothing more
merchants to accept as credit and debit
than swipe, dip or tap his or her c ard at the cards.
point of sale. On the other hand, cr ypt ocur-
renc y is, in spite of growing exponentially, ver y
hard f or the average consumer t o use. We have
developed a sys tem t o make cr ypt ocur renc y as
easy t o use by the average consumer as their
credit or debit c ard.

We do this by integrating the cr ypt ocur renc y market int o the credit and debit c ard market so
that pe ople who hold cr ypt ocur renc y c an ef f or tlessly pay f or goods and ser vices via their exis t-
ing credit or debit c ard.

Behind this we have developed a new f inancial ins trument t o solve the two bigges t problems in
cr ypt ocur renc y payment s: volatilit y and network transmission time. The Hedge Lending Network™
is a power ful new t ool that allows ins tant set tlement of transac tions at a known value as well as
providing consumer s with a hos t of benef it s including tax optimization.

DIGITS API CALL

The key to Digits’ seamless front-end
3 The Hedge Lending NetworkTM
functionality is that Digits controls what generates a smart contract to
happens after a card number is entered SMART cover cost of user’s transaction
into a partner platform. If it’s not a CONTRACT
match with the Digits Network, the
transaction is processed as usual. 2
FUNDS
PULLED

Digits API transfers funds

from user’s crypto wallet to
the Digits custodial wallet
4 Smart Contract is backed
by a user’s cryptocurrency
BACKED BY as collateral
CRYPTO

6
END OF
INSTANT PAYMENT TERM
IN FIAT CURRENCY 5
At the end of the term, the Crypto held in
crypto is automatically liquidated CRYPTO custodial account for
or the user can pay off the smart HELD up to 12 months
contract with fiat currency

digits
 2

Re al R even u e, Rea l To ken Val u e

We generate real revenue f rom real transac tions ac ro s s our net work while keeping
transac tion cos t s t o the cus t omer well below traditional exchange f ees .
Visit digits.io

Hedge Lending Merchant Payment Digits Merchant Software

NetworkTM
When a consumer sends Digits money
from their cryptocurrency wallet to
cover their purchase, Digits charge
10% of net gain on all smart contracts
Processing Fee
Our average gross revenue card
processing fee is $8,000 per
$1 Million per month
User Fees Platform Access Fee Read the
Users will be charged ~1% to buy with
cryptocurrency as easily as a credit or
A monthly fee is charged to software
platforms used by merchants for access
to the Digits platform at an average
Whitepaper
debit card - the average gross revenue
is $10,000 per $1 Million of 10 DIG per $1 Million processed
per month

In addition we have built our t oken value dynamic s int o the core of our s ys tem , allowing
long term value t o be connec ted t o the volume ac ro s s both our net work and the Hedge
View the Pitch
Deck
Con s u m er a n d Merc ha nt B enefit s Revenue
For con sumers, Digits a l l ow s p a y i n g for g ood s an d s e r v i c e s us i ng
10%
Share
th eir cr ypto assets vi a th e u se of th ei r tr a d i ti on al 1 6 o r 1 9 d i g i t
c r edit or debit card. Di g i ts tw o- fa ctor au th e n ti ca ti o n a nd ha s h- e n- Pre ICO
c r ypt ed card numbers p r ovi d e i r on - cl a d se cu r i ty. In a d d i t i o n, d i g i t s ’ Reg D : Rule 506(c)
Regulation
Hedge Lending Networ k TM d el a y s a sh or t- te r m tax ab le e v e nt .
March 27, 2018 (12:00 CET) – April 27,
For merc han t s, Digits d oesn’t r eq u i r e th e m er ch a nt t o i m p le m e nt Token Sale 2018 (12:00 CET) or until the maximum
any special technology or p u t a ny n e w m e r ch an t ag re e m e nt s i n cap is reached.
pl ac e - all transaction s w i l l sti l l r u n on th e V i sa, M a s t e rC a rd a nd
Am ex rails. Additiona l l y, Di gi ts w i l l gen er a te n ew s a le s t ha t o t he r- Currencies
BTC, ETH, LTC
wis e may not have ha p p e n e d h a d th e m e r ch an t n ot o p t e d t o a c c e p t Accepted
c r ypt ocurrenc y paym en ts. P r ocessi n g a Di g i ts p ay me nt i s t he s a m e
ex ac t cost and settle m en t ti m e a s p r ocessi n g a tr ad i t i o na l c a rd Token Name DIG
tr an s action.
DIG tokens pay for access to the Digits API
Token which allows online merchants to accept
G r ow th Str a tegy & Ro a d Ma p Purpose fiat currency payments from users paying
To e nsure a highly t ar g eted g r owt h st r a teg y , D i g it s w il l fo c u s o n with cryptocurrency
Me r chan t s S oft w are Pla t fo r m s, Pay m ent G a teway s , a n d Pay m e n t
1,000,000,000 total (550,000,000
Pr oce ssors. Digits wi l l su p p or t a l a r ge n ati on a l r e t a i le r d i re c t ly ; Supply available in token sale)
h o wever, Digits belie ves th e op p or tu n i ty l i es w i th s o f t w a re p la t-
for m s and payment ga te w a y s u se d b y m i l l i on s of m e rc ha nt s .
End Date & Token sale ends on April 27, 2018 or
when the total amount raised is USD $50
To da te, t he Digit s tea m ha s com p l eted m a r ke t va li d a t i o n a nd Time million dollars
c o m pe titive research , b u i l t th e cor e te ch n ol og y a nd t he Be t a A P I ,
c o n du cted R&D on the feasi b i l i ty of th e H e d g e L e nd i ng Ne t w o rk TM , $1 million, if not reached, funds are
as s es sed overall feas i b i l i ty, p e r for m e d a cost an al y s i s a nd la unc he d Floor refunded in full within 30 days of end of
th e D igits pre-initial coi n offe r i n g ( ICO) . sale

February2019
August 2017 December 2017 April 2018 All regulatory framework in
May 2017 Competitive research is Project feasibility and Digits ICO will place for the Hedge Lending
Digits is conceived gathered on current solution cost analysis performed be launched NetworkTM

July 2017 October 2017 February 2018 September 2018 March 2019
Customers are interviewed R & D into feasibility of Digits Pre ICO is launched In beta with software Full launch the Digits
to validate market opportunity the Hedge Lending Network platforms and Digits consumers consumer application

digits