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KaratGold

Table of ContentsIMPORTANT NOTICE . 51. THE KARATGOLD ICO . 71.1 What is the KaratGold Coin? . 71.2 CashGold. 81.3 ICO Details . 101.4 Bonus System Pre-ICO . 111.5 Bonus System ICO . 112. REGULATORY, REPORTING & RISK FACTORS . 122.1 Regulatory . 122.2 Reporting. 122.2.1 Use of ICO proceeds . 122.2.2 Project Milestones . 122.3 Risk Factors . 122.3.1 Dependence on Computer Infrastructure . 132.3.2 Smart Contract Limitations . 132.3.4 No Relation to the CashGold . 132.3.5 Regulatory Risks . 132.3.6 Taxes . 142.3.7 Force Majeure . 142.3.8 Disclosure of Information . 142.3.9 Value of KaratGold Coin . 142.3.10 Bitcoin and Ethereum Volatility . 142.3.11 Lack of funds from ICO proceeds . 142.3.12 Delayed Projects & Competition . 153. THE VISION & MISSION OF THE KARATGOLD COIN . 154. PATENT AND TRADE MARK RIGHTS . 155. THE KARATGOLD ECOSYSTEM . 165.1. Overview . 165.2 The KaratGold Coin . 172

5.2.1 The future Advantages of the KaratGold Coin: . 185.2.2 Comparison of KaratGold Coin with other tokens . 185.3 Karatbit Foundation. 185.4 Karatbars International GmbH. 185.5 CashGold . 195.6 KaratPay . 195.6.1 KaratPay Transaction Cost Structure. 205.7 The KaratGold eWallet. 205.7.1 KaratGold eWallet Functions . 216. THE DISSEMINATION OF THE KARATGOLD COIN . 217. THE MARKET . 227.1 The development of the historical gold price since 1973 in US-Dollar (USD/oz) . 227.1.1 How did the price of gold develop in the past? . 227.1.2 How did the price of gold in USDo develop since the USDopean union? . 227.1.3 How did the price of gold develop until 2017? . 237.2 The CashGold Market. 257.3 The Market of the KaratGold Coins . 258. FUTURE PROSPECTS . 269. DISTRIBUTION OF THE KARATGOLD COIN . 2610. USAGE OF GENERATED FUNDS . 2611. THE MANAGEMENT TEAM . 28Harald Seiz, CEO . 28Thomas Valet, Head of Marketing & Sales . 28Martina Tag, Chief Operating Officer. 28Thomas Brenner, Director of International Operations . 2812. THE KARATGOLD ADVISORY TEAM . 2912. THE KARATGOLD REFERRAL PAYMENT SYSTEM . 3113. THE PARTNERS. 3214. THE KARATGOLD CLUB . 3314.1 How to Join . 333

14.2 Membership Tiers and Benefits . 3315. ROAD MAP . 3415.1 Phase 01 2018 . 3415.2 Phase 02 2018 . 3416. DISCLAIMER . 354

IMPORTANT NOTICEThe purpose of this Whitepaper is to present KaratGold Coin and the related KaratGold Ecosystem to potentialcustomers in connection with the proposed ICO. The information set forth below may not be exhaustive and doesnot imply any elements of a contractual relationship. Its sole purpose is to provide relevant and reasonableinformation to potential purchasers of the KaratGold Coin for them to determine whether to undertake a thoroughanalysis of the KaratGold, the KaratGold Ecosystem and the companies belonging to it with the intent ofpurchasing the KaratGold Coin.Nothing in this Whitepaper shall be deemed to constitute a prospectus of any sort or a solicitation for investment,nor does it in any way pertain to an offering or a solicitation of an offer to buy any securities in any jurisdiction.This document is not composed in accordance with, and is not subject to, laws or regulations of any jurisdiction,which are designed to protect investors.The KaratGold Coin is a utility token. It is not intended to constitute securities or financial instruments in anyjurisdiction.This Whitepaper does not constitute or form part of any opinion on any advice to sell, or any solicitation of anyoffer by the seller of the KaratGold Coin (the “KaratGold Coin Provider”) to purchase any KaratGold Coin, norshall it, or any part of it, nor the fact of its presentation form the basis of or be relied upon in connection with anycontract or investment decision. It has not been registered under the Securities Act or any other securities laws ofany state of the United States or the securities laws of any other country, including the securities laws of anyjurisdiction in which a potential coin holder is a resident. No regulatory authority has examined or approved ofany of the information set out in this Whitepaper. No such action has been or will be taken under the laws,regulatory requirements or rules of any jurisdiction. The publication, distribution or dissemination of thisWhitepaper does not imply that the applicable laws, regulatory requirements or rules have been complied with.The KaratGold Coin cannot be used for any purposes other than those provided in this Whitepaper.The KaratGold Coin is not intended for sale or use in any jurisdiction where sale or use of digital tokens may beprohibited.The KaratGold Coin confers no other rights in any form, including but not limited to, any ownership, distribution(including but not limited to profit), redemption, liquidation, proprietary (including all forms of intellectualproperty), or other financial or legal rights, other than those specifically described in this Whitepaper.Certain statements, estimates and financial information contained in this Whitepaper constitute forward-lookingstatements or information. Such forward-looking statements or information involve known and unknown risks anduncertainties, which may cause actual events or results to differ materially from the estimates or the results implied5

or expressed in such forward-looking statements. This Whitepaper can be modified to provide more detailedinformation.This English language Whitepaper is the primary official source of information about the KaratGold Coin. Theinformation contained herein may from time to time be translated into other languages or used during written orverbal communications with existing and prospective customers, partners etc. During such translation orcommunication, some of the information contained herein may be lost, corrupted, or misrepresented. Theaccuracy of such alternative communications cannot be guaranteed. In the event of any conflicts or inconsistenciesbetween such translations and communications and this official English language Whitepaper, the provisions ofthis English language original document shall prevail.Note: United States of America citizens, residents (tax or otherwise) or green card holders as wellas residents of Canada, the Peoples Republic of China or the Republic of Singapore are noteligible to participate in the KaratGold ICO. The United States of America include Puerto Rico,the U.S. Virgin Islands, and any other possessions of the United States.6

1. THE KARATGOLD ICO1.1 What is the KaratGold Coin?The KaratGold Coin is a blockchain-based cryptocurrency that is linked to physically deposited gold in the formof the so-called CashGold. A certain number of KaratGold Coins can be exchanged for the appropriate amount ofCashGold at any time.The KaratGold Coin is designed to be used as a generally accepted electronic payment means for all who considergold as a traditional, true, secure and value-stable medium.Globally, customers on the one side, and merchants and servicers on the other side, rely on the value of gold. Informer times, gold was a direct payment means, particularly in the form of gold coins. However, Gold hascontinuously been replaced by bank notes, which nowadays are not, or only to a marginal percentage, backed bystate-owned gold. Therefore, the value of the bank notes issued by the different countries rely on the trust that therespective country can pay its bills, only this is less sure than in former times. Especially in less developedcountries, the trustworthiness of legal tender moves towards zero.In this situation, the KaratGold Coin perfectly meets worldwide needs because it is a kind of cryptonyzed gold.Each coin represents an imaginary certain weight of gold whereby a certain quantity of KaratGold Coins can beexchanged for physical gold in the form of CashGold. Furthermore, it will be made exchangeable for all fiatcurrencies and cryptocurrencies worldwide in the future.The KaratGold Coin can be transferred borderless, cost-efficiently, securely and in real-time. Its value ispredictable because the value of gold has a long tradition, and everybody has an idea about its stability. Therefore,the KaratGold Coin can become generally accepted worldwide. Currently, more than 480,000 customers frommore than 120 countries have already bought smallest gold bars from Karatbars GmbH, Stuttgart, Germany. Thetotal investment of these customers amounts to nearly USD 120 million. It is therefore obvious that with thiscustomer basis, the KaratGold Coin will achieve a high market capitalization: it will write a success story.The visionary behind the idea to create the KaratGold Coin is Mr. Harald Konstantin Seiz, a German entrepreneur,founder and owner of several companies, author of books, guest speaker and founder and CEO of KaratbarsGmbH, Stuttgart, Germany.The KaratGold Ecosystem will comprise the KaratGold Coin, KaratPay and the KaratGold Wallet.The KaratGold Coin is based on the Ethereum blockchain protocol. Therefore, it is safe, cost-efficient and fast,and allows for the use of smart contracts.7

1.2 CashGoldGold, in the form of gold coins and gold bullions, has served as international payment means as well assolid investments for more than 4,000 years. Although legal currencies presently are not backed by gold,gold reserves still serve many central banks in the world as a currency reserve. Private and institutionalinvestors invest in gold. In times of economic crises, gold is deemed to be a stable investment with thepotential to a value increase in comparison to other investments. The intrinsic value of gold is caused byits relative rarity as well as by the high costs of mining. This may also be the reason why investments ingold, unlike e.g. investments in interest-bearing securities, do not have default risk.However, gold coins are not used for payment anymore, and it is not feasible or practical to hold and paywith gold in its traditional form. The new alternative is the CashGold. It is reliable, globally available,secure, practical to use, and compatible with other payment means. The idea behind CashGold is toimplement small gold bars on a specific paper which partially looks like a bank note. However, insteadof mentioning a specific currency amount, the weight of the implemented gold bar is displayed.In a process lasting just a couple of years, the design, the technology and the required machinery havebeen developed and successfully implemented, and the respective patent rights have been secured. Theproduction of CashGold requires printing the small gold bars onto the specific notes using a specificlaser technique. After this process, the gold bars will be welded with a certain transparent cover.Currently, there are four different tamper-proof CashGold notes available, which carry between 1 and 6small gold bars with a 0.1-gram weight each. The gold bars used for CashGold consist of 24 carat puregold, which is 99.9% gold. They are produced by a LBMA certified refinery. Therefore, quality, originand reputation are absolutely perfect.The CashGold is designed like a bank note. Therefore, it can easily be used in day-to-day paymenttransactions and, furthermore, the acceptance of the CashGold as a payment means is naturallyincreased. In addition, each user of CashGold will have the possibility to gradually build up golddeposits through the purchase and collection of CashGold.Since the CashGold is physical gold, it forms the basis for the electronic payment system KaratPay.8

9

1.3 ICO DetailsThis Whitepaper highlights the key stages and features of the KaratGold Coin Ecosystem and the futuretrajectories in which all products and services will be developed.Further details of the ICO and the potential benefits of the KaratGold Coin ownership are providedbelow. The binding terms and provisions of the KaratGold Coins sale will be outlined in the Terms &Conditions provided at https://KaratGold.io/ (the “Website”).The KaratGold Coin ICO will be made available at: www.KaratGold.ioPre-ICO: 15th of February 2018 (00:00 CET) – 21st of March 2018 (23:59 CET)ICO: 22nd of March 2018 (00:00 CET) – 21st of April 2018 (23:59 CET)KaratGold Coins sold during the ICO will immediately be distributed to the provided address inside theKaratGold Coin Client Area and be made visible and accessible at the KaratGold eWallet.Name of the Coin:KaratGold CoinTicker Symbol:KBCCurrency Symbol Image:KBCStarting Price Pre-ICO:1 KBC for USD 0.01Pre-ICO Price Development:15th (00:00 CET) – 28th (23:59 CET) of February 2018: 1 KBC USD 0.011st (00:00 CET) – 7th (23:59 CET) of March 2018: 1 KBC USD 0.028th (00:00 CET) – 14th (23:59 CET) of March 2018: 1 KBC USD 0.0315th (00:00 CET) – 21st (23:59 CET) of March 2018: 1 KBC USD 0.04Starting Price ICO:1 KBC USD 0.05ICO Price Development:22nd (00:00 CET) – 28th (23:59 CET) of March 2018: 1 KBC USD 0.0529th (00:00 CET) of March – 4th (23:59 CET) of April 2018: 1 KBC USD 0.065th (00:00 CET) – 11th (23:59 CET) of April 2018: 1 KBC USD 0.0712th (00:00 CET) – 21st (23:59 CET) of April 2018: 1 KBC USD 0.08Maximum KaratGold Coinsproduced (technical limit):12 billionMaximum KaratGold Coin forSale:7.2 billionFundraising Goal:USD 72 million10

Minimum Purchase:1,000 KaratGold CoinSecured methods ofKaratGold Coin purchase:Bitcoin (BTC), Ethereum (ETH) and FIAT paymentsAccepted Nationalities:Every Nationality, except: United States, Canada, Singapore,People’s Republic of China, Socialist Republic of Vietnam orresidents of a country where American embargoes and sanctionsare in force, namely Iran, North Korea, Syria, Sudan, or Cuba.More information in the Terms & Conditions of the ICO1.4 Bonus System Pre-ICODepending on the day of purchase during the Pre-ICO period, a bonus will be granted. The bonus will be paid inthe form of the transfer of additional KaratGold Coins. In case that the calculation of the bonus results in a split ofa KaratGold Coin, the KaratGold Coin will be rounded up. The bonus will be granted as follows:EventPre - ICOPre - ICOPre - ICOPre - ICODate15th (00:00 CET) – 21st (23:59 CET) of February 2018ndth22(00:00 CET) – 28 (23:59 CET) of February 20181st (00:00 CET) – 7th (23:59 CET) of March 20188th (00:00 CET) – 14th (23:59 CET) of March 2018Percentage %40%35%30%25%1.5 Bonus System ICODepending on the day of purchase during the ICO period, a bonus will be granted. The bonus will be paid in theform of the transfer of additional KaratGold Coin. In case that the calculation of the bonus results in a split of anKaratGold Coin, the KaratGold Coins will be rounded up. The bonus will be granted as follows:EventICOICOICOICODate15th (00:00 CET) – 21st (23:59 CET) of March 2018ndth22 (00:00 CET) – 28 (23:59 CET) of March 201829 (00:00 CET) of March – 4th (23:59 CET) of April 20185th (00:00 CET) – 15th (23:59 CET) of April 2018thPercentage %20%15%10%5%11

2. REGULATORY, REPORTING & RISK FACTORS2.1 RegulatoryThe KaratGold Coin and the KaratGold Coin Ecosystem comprise a large set of activities that may be subject toregulatory scrutiny in various territories. To the extent required by the respective applicable laws, activitiesundertaken, and services performed shall be regulated. However, it cannot be excluded that the need of aregulation will not be recognized for a number of reasons. The Karatbit Foundation, which issues the KaratGoldCoin and is based in Belize, is unregulated.The legal structure set up for the ICO and the post-ICO area has been and will be constantly reviewed andapproved by the legal advisors of the Karatbit Foundation to ensure that they are compliant with the existing lawsand regulations. As far as the Karatbit Foundation or its advisors will encounter legal uncertainties, these will beresolved with the responsible regulatory bodies involved to the extent legally possible and practicable. By sortingout any legal or regulatory exposures from the very beginning, the group is aiming for full transparency towardsinvestors as well as regulators in order to achieve the highest level of investor confidence as well as legal andregulatory compliance possible.2.2 ReportingThe Karatbit Foundation will provide a reporting structure that gives holders of the KaratGold Coin appropriatetransparency on what has been achieved with the proceeds from the ICO, as well as the status of the projects. TheKaratbit Foundation will provide coin holders with the most current information which will be made accessible onits website and will include:2.2.1 Use of ICO proceeds Purchase of gold Platform development progress Marketing General expenses Other costs2.2.2 Project Milestones Reporting of project status and milestones2.3 Risk FactorsThe purchase of the KaratGold Coin involves a high degree of risk, including but not limited to the risks describedbelow. Before acquiring the KaratGold Coin, it is recommended that each participant carefully weighs all theinformation and risks detailed in this Whitepaper, and, specifically, the following risk factors. Please further notethat the KaratGold Ecosystem may be subject to other risks not foreseen.12

2.3.1 Dependence on Computer InfrastructureThe KaratGold Coin Ecosystem depends on the functioning of the software applications, computer hardware, andthe internet. This implies that no assurances can be given that a system failure would not adversely affect the useof the KaratGold Coin. Despite the intended implementation of all reasonable network security measures, theprocessing center servers are vulnerable to computer viruses, physical or electronic break-ins or other disruptionsof a similar nature. Computer viruses, break-ins or other disruptions caused by third parties may result ininterruption, delay or suspension of services, which would limit the use of the KaratGold Coin.2.3.2 Smart Contract LimitationsSmart contract technology is still in its early stages of development, and its application is of an experimentalnature. This may carry significant operational, technological, regulatory, reputation and financial risks.Consequently, it cannot be ensured that smart contract to the extent used will properly work or that it contains noflaws, vulnerabilities or issues which could cause technical problems and, thereby causes damages.2.3.3 Insufficient Penetration of the MarketThe success of the KaratGold Coin and the KaratGold Coin Ecosystem depends on the ability to be accepted as apayment means and payment system by a substantial number of users. Although the Karatbit Foundation hasalready access to far more than 480,000 people who invested in Gold and it can be expected that these investorswill also make use of the KaratGold Coin, it cannot be excluded that the required penetration of the global marketand a substantial market capitalization of the KaratGold Coin cannot be achieved. For example, users might not beconvinced that a gold-based payment system is preferable in comparison to other payment means, or it may turnout that the use of the KaratGold Coin is not convenient because the number of points of acceptance will not besufficient. In such case, the value of the KaratGold Coin would suffer; also, a total loss cannot be excluded.2.3.4 No Relation to the CashGoldThe KaratGold Coin is a speculative coin. Although the proceeds from the sale of the KaratGold Coin shallmainly be used for the purchase of CashGold, the KaratGold Coin is not pegged to the purchased CashGold.Therefore, the development of the value of the KaratGold Coin is not related to the CashGold. A total loss of themoney invested in the KaratGold Coin cannot be excluded.2.3.5 Regulatory RisksBlockchain technology, including but not limited to the issue of coins, may be a new concept in somejurisdictions, which may then apply existing laws or introduce new regulations regarding Blockchain technologybased applications, and such regulations may conflict with the current KaratGold Coin and KaratGold Ecosystemconcept. This may result in the need to make substantial modifications, and the suspension or termination of allKaratGold Coin functions. It cannot be ruled out that services and projects described in this document will have tobe adjusted or modified in certain countries because of the regulatory environment. It also cannot be ruled out thatsome services will be impossible to provide in certain jurisdictions.13

2.3.6 TaxesHolders of the KaratGold Coin may be required to pay taxes associated with the transactions contemplated herein.It will be a sole responsibility of KaratGold holders to comply with the tax laws of the jurisdictions applicable tothem and pay all relevant taxes.2.3.7 Force MajeureThe performances under the KaratGold Ecosystem may be interrupted, suspended or delayed due to force majeurecircumstances. For the purposes of this Whitepaper, force majeure shall mean extraordinary events andcircumstances which could not be prevented and shall include acts of nature, wars, armed conflicts, mass civildisorders, industrial actions, epidemics, lockouts, slowdowns, prolonged short-age or other failures of energysupplies or communication service, acts of municipal, state or federal governmental agencies, other circumstancesbeyond Karatbit Foundation’s control, which were not in existence at the time of Whitepaper release.2.3.8 Disclosure of InformationPersonal information received from holders of the KaratGold Coin, the information about the number of coinsowned, the wallet addresses used, and any other relevant information may be disclosed to law enforcement,government officials, and other third parties when the Karatbit Foundation is required to disclose such informationby law, subpoena, or court order. The Karatbit Foundation shall at no time be held responsible for suchinformation disclosure.2.3.9 Value of KaratGold CoinOnce purchased, the value of the KaratGold Coin may significantly fluctuate due to various reasons. Theinvestment in the KaratGold Coin can even lead to a total loss.There is no guarantee that users can acquire sufficient KaratGold Coin for their usage within the KaratGold CoinEcosystem and external platforms and neither is there a guarantee that users can cash out their KaratGold Coin viaexternal platforms. Furthermore, every KaratGold Coin holder naturally carries the risk of volatile exchange ratefluctuations of the KaratGold Coin towards both other cryptocurrencies and Fiat money exchange rates.2.3.10 Bitcoin and Ethereum VolatilityThe KaratGold Coin may be significantly influenced by digital currency market trends and the KaratGold Coinvalue may be severely depreciated due to non-KaratGold Coin related events in the digital currency markets.Cryptocurrencies exchange rate volatility may impact the company's ability to provide services at the indicatedprices. Assumptions with respect to the foregoing involve, among other things, judgments about the futureeconomic, competitive and market conditions and business decisions, most of which are beyond the control of theKaratGold Coin team and are therefore difficult or impossible to accurately predict.2.3.11 Lack of funds from ICO proceedsThe Karatbit Foundation may not reach the target sale amount and may not have sufficient funds to execute itsbusiness plan. Furthermore, the Karatbit Foundation may not succ

Gold, in the form of gold coins and gold bullions, has served as international payment means as well as solid investments for more than 4,000 years. Although legal currencies presently are not backed by gold, gold reserves still serve many central banks in the world as a currency reserve. Private and institutional investors invest in gold.

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