Swipe V2 White Paper

V 2 W H I T E PA P E RPublished & Copyright by: Swipe Wallet Ltd. All rights reserved

TABL E O F C O N T E N T SDisclaimerPlatformIntroductionValue PropositionTeamSwipe TokenomicsProducts & ProtocolsSXP TokenSwipe APISXP Supply ModelSwipe NFTSwipe Reward TokenSwipe GovernanceSwipe SwapInteroperabilityRoadmap2

DISC L AIM E RThe Swipe Product Manual or White Paper (“Whitepaper”) has been published and issued by Swipe Wallet(“Swipe”) for informational purposes only and is required to be read alongside the Swipe Terms & Conditions(“Terms”) if the prospective purchaser plans to use any of the Swipe products. This Whitepaper is a workingdocument and is subject to changes and errors. Any purchase or use of services from Swipe creates a bindingarbitration agreement between Swipe and the user/purchaser as the Terms are outlined. This Whitepaper doesnot constitute a prospectus for the purposes of [Directive 2003/71/EEC (the “Prospectus Directive”), and theamending directive 2010/73/EU] [Regulation (EU) 2017/1129 (the “Prospectus Regulation”)], and is not intended toconstitute an offer of securities or a solicitation for investments in securities in any jurisdiction. The purpose ofthis Whitepaper is to provide potential purchasers with the information on Swipe’s ecosystem to allow thepurchasers to make their own decision as to whether or not it wishes to proceed to purchase Swipe Tokens(“SXP”) and use any of the Swipe ecosystem of products.This Whitepaper does not constitute an offer or invitation, or any other sale or purchase of shares, securities, orany of the assets. Any possession of SXP shall not grant any rights in any form to the user, including but notlimited to any rights of ownership, interest, profit, redemption, property or intellectual property, decisionmaking, or any other such rights, such as any rights of financial or legal nature, in Swipe the corporation or itsaffiliates. SXP may be used for protocol and ecosystem governance which has no bearing to the corporation orits affiliates.3

P LATFORMSwipe powers the world’s largest cryptocurrency exchanges card productsand enables decentralized finance products powered by SXP.4

INTR O D UC T IO N Swipe is powered by 3 core components ECOSYSTEMThe founding company thatdevelops Swipe key productssuch as Swipe API, White LabelDebit Cards, Swipe Swap& more.The parent company that ownsa majority stake in Swipe and isalso partnered to bring furthergrowth and development to theplatform.This includes our partners,decentralized applications, andcommunity whom togetherform our ecosystem.5

VAL UE P RO P O S IT IO NSwipe is bringing our core beliefs into our products by focusing on:AdoptionUser ExperienceExecutionExpand audiencesBe frictionlessGo-to-market StrategyIn order for cryptocurrencyfinancial systems to go“mainstream” we need to capturea larger audience. Swipe &Binance will target the reach of auser base of 20M and beyond tocontinue to drive adoption.The tools being developed bySwipe and the open sourcedevelopment community willstrive to become frictionless tomake the entire user experienceof the ecosystem as simple aspossible. - Grandma FriendlySwipe aims to deliver its productline in an optimal fashion to bringour users into our ecosystem witha direct go-to-market strategy.We have tailored our productsto give a laser focusedexecution plan.6

TEA MSwipe was founded in 2018 by Joselito Lizarondo with the mission to bringcryptocurrency interoperability with traditional finance and was later acquired byBinance in June 2020The Swipe Team network of professionals have experience fromThe graphics and logos above belong to their respective trademark holders with no rights being claimed.7

ROAD M APThe Swipe roadmap below gives a current outlook on our products today and what is comingAPISwapchain IgnitionNFTStealth ProductsIn ProductionIn BetaIn Development8

V2 TOKENOMICS9

SWI P E T O K E NThe Swipe (SXP) Token is the native cryptocurrency that powers the Swipe ecosystem of products and governsthe decentralized protocols. SXP has had full utility since deployment and continues to add more utility.Key UtilityFees & DiscountsOur business partners must use SXP to pay for our services provided to them and it will give them eligibility for discountsby staking.Governance & StakingSXP token holders have the ability to create proposals and vote for protocol changes on the Swipe Network.SXP can be bonded within the network to secure the protocol and receive staking rewards.Transactions & PaymentsSwipe users can utilize SXP to pay at over 60 million merchants worldwide and transfer withinthe Ethereum & Binance blockchains.Liquidity MiningSXP is available on the Venus Platform where users can earn a yield curve rate based APY and participate in the liquidity miningprograms available. SXP is also available for liquidity mining on other protocols not affiliated with Swipe.10

SX P T O K E N S UP P LY M O DE LThe Swipe Token (SXP) is the fuel and native cryptocurrency of the Swipe ecosystem of products and services.The token economics have been designed where the total supply decreases over time as the network is utilized.SXP AllocationTeamDeflationary Model20%, 60,000,000The Swipe Team allocation is to providethe company with funds to use toactively operate its product line. Thesefunds are released over 100 monthsvia time locked smart contracts.SXPExchangesPeriod of time.SXP will be destroyed and burnedon-chain as protocol usage occurs untilthere are 100m units left.The graphics and logos above belong to their respective trademark holders with no rights being claimed.11

SWI P E RE WARD T O K E NThe Swipe Reward Token (SRT) is a fair lunch, no pre-mine, no founders or team allocation, digital asset thatwill be able to be mined exclusively with SXP in various SXP based staking products, such as Swipe Swap,Swipe Staking, and more. SRT has no max supply.SRT UtilityUse it on Swipe NFT, stake it for compounding rewards,and other stealth products coming.12

SWIPE’S BUSINESS PRODUCTS &ON-CHAIN PROTOCOLS13

SWI P E AP ISwipe API, or known as Swipe Ramps, powers the world’slargest digital asset exchanges card payment infrastructureand fiat ramps with its robust 500 endpoint library.Developers can leverage Swipe’s licenses, bank network,and partnerships to use its white label SDK’s to quicklygo to market.Powered byRampsNetworks:Clients:The graphics and logos above belong to their respective trademark holders with no rights being claimed.14

SWI P E N FTBrowseActivityRankingsBlogCommunityCreateThe largest NFT marketplaceA fully decentralized NFT Marketplace that anyone candeploy NFTs on and list them for sale exclusively to purchasewith SXP & SRT only. 5% of this SXP is burned automaticallyby the smart contracts and 10% goes to contentcreator royalties.Buy, sell, and discover rare digital itemsExploreCreate15

SWI P E GO V E RN AN C ESwipe Governance enables SXP token holders to vote andinitiate proposals on the Swipe Network. With this protocoland with the SXP token upgrade, all centralized control andadmin keys will be destroyed and the protocol will only begoverned by the community.SXP Required to vote: 1SXP Required to submit proposals: 300,000Swipe Governance will also be able to adjust all smartcontract dynamic parameters such as but not limited to:Burn RatesRewards RatesSXP Requirement minimumsTransaction & Trading FeesInterest ratesAdding Tokens16

SWI P E S WAPSwipe Swap is an automated marketing makingprotocol that lets users swap tokens/coins from bothEthereum and Binance on-chain and enablesparticipants to earn trading fees for providingliquidity.Pricing will be set by the originating providers and willfluctuate based on the open markets.Liquidity providers will earn a 0.25% trading fee on theprotocol for supplying on-chain liquidity, 0.05% is allocatedto burn SXP on-chain.Swipe Swap will eventually enable a cross-chain bridge fordigital asset trading powered by Swipechain so that users cantrade over multiple blockchains without a central party.Forked From:17

SWI P E IGN IT IO NFundraisingSwipe Ignition enables users who have Swipe SXP-WETH or SXP-WBNB Liquidity Providertokens to purchase new launchpad-type projects with discounts all on-chain in a fully decentralized method.ConnectIgnition: Initial Wallet OfferingBuy new tokens with a brand new Token sale model.Next IWONext IWOsBasic SaleUnlimited SaleYou didn’t participate in this sale!You didn’t participate in this sale!Unlock WalletUnlock Wallet18

SWI P E S TAK IN GSwipe Staking is an on-chain protocol and single assetvault that enables users to participate in thecollateralization of the Swipe Network that powersreal-time cryptocurrency to fiat conversions.Users will be able to wrap their Ethereum based SXPtoken with a Binance Smart Chain based SXP tokenfor a 1:1 (one to one) ratio or vice versa.SXP that is staked within the staking contracts can beused to vote through a voting proxy contract to beimplemented at a later date.19

INTERO P E RABIL IT YSwipe will include cross-chain support for two of the mostused blockchains in the world to start: Ethereum & Binance Chain.Swipe may become available on other blockchains in the future.Creating this bridge will enable users to participate and utilizeour decentralized applications that will be made availableon those participating chains. For example, users will be ableto swap their Ethereum based SXP token with a Binance Chainbased SXP token for free at a 1:1 (one to one) ratio or vice versawithout any fees. Support of this will be done via a DecentralizedBridge App and Binance.com.19

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DISCLAIMER The Swipe Product Manual or White Paper (“Whitepaper”) has been published and issued by Swipe Wallet (“Swipe”) for informational purposes only and is required to be read alongside the Swipe Terms & Conditions (“Terms”) if the pros