The Pecunio ICO starts in 10 days, their pre sale managed to raise over $4.5 million so it could sell out quickly.
Website here

What is Pecunio?

They have managed to place itself in a part of the cryptocurrency marketplace whereby it states that it offers a funding service as well as asset management option for investors in the industry. They state that they are hoping to make everything so much easier for investors when it comes to them getting into the rather complex and difficult world of cryptocurrency but there then has to be a number of questions as to whether or not they are indeed able to deliver on what they promise.

The Basics of the project

Pecunio is professionally run and seeks to provide an array of financial services that should, according to them, make the entire process of dealing in cryptocurrencies so much easier. They also note that they are able to deal in a variety of currencies as well as providing their users with a completely safe interface whereby they can access their platform and then seek to make their various trades as they see fit.

Not only that, but they also mention that they are going to be able to offer a cryptocurrency card, easy exchanges, and a whole host of other financial related services that could prove to be beneficial for investors and traders within this market.

Furthermore, they are also looking at providing a venture capital option via tokens as well but that is an area that is still to be padded out a bit further. They also offer individuals the opportunity to invest in what they refer to as being ‘blue-chip blockchain assets’ whereby you are able to invest without holding the currency itself with you focusing on dealing with the tokens that are available via this platform. Finally, they also claim that the assets you will be investing in do offer impressive returns and a high performance potential.

The Technical Aspect of Pecunio.

The new project is a decentralized investments platform that has the intention of improving the way in which transactions take place via the blockchain.

The entire platform is built on Ethereum and they offer three different types of tokens depending on what you want to do via the interface. However, each token is still an ERC20 token, so they are all compatible with any Ethereum based wallet.

If we look at the operation and flow, then no matter if you are a user or investor, there will be an investment into the network. A user will see their investment move into the asset pool while an investor with experience can formulate a smart contract to then allow them more freedom over which asset they will put their money into. They can either exchange it into Pecunio tokens or invest in an asset with them then paying a fee when they wish to convert it back into tokens.

If you are the user, then when it comes to cashing out on your investment, then it is done so via their treasury which keeps tabs on the different investments and whether or not they are making a profit. The individual is then offered their return in Pecunio tokens.

In addition, their cryptocurrency card allows for the spending and exchange of cryptocurrencies with fiat currencies pretty much no matter where you are located. This is all done via the blockchain although if you are a basic user, then it is more a case of simply accessing the platform with the company itself then dealing with the blockchain components when it comes to investing in those assets.

The Advantages of Pecunio.

The platform does come with a number of advantages over other similar cryptocurrencies that are out there. First, they do make it very easy for those that are new to this kind of thing as you simply buy your way into an investment and they do the rest. Nothing could be easier.

However, the cryptocurrency card, along with the option of receiving start-up funds for some solutions, is also an advantage as resources can be pooled and investors will feel as if they are taking less of a gamble when it is being shared with so many other investors. The fact that you are also able to withdraw money via the likes of Paypal is also a nice touch and they do have offices in both Vienna and Dubai that are designed to provide you with a greater sense of security when it comes to investing in the digital currency.

Asset backed tokens

Many of the popular tokens at the moment are very speculative. This new platform has a major advantage by offering a new gold coin backed currency PGC. The new cryptocurrency will be completely backed by real gold which should offer investors more security.

Key team members

The new platform has a large team with a wealth of experience. You can view the full team in their whitepaper but here's a couple of the key members:

• Reinhard Berger, CEO/CFO: He has years of experience in the FinTech industry already. He previously founded Alternative Invest Finance AG which managed over $250 million of funds.
• Christian Turner, COO: He's also highly experienced with over 35 years in business. He's previously had a variety of roles such as head of purchase and has worked for many banks and auditors.

The Financial Aspect and ICO.

Even though the platform is based on Ethereum, the creators have opened up the ICO to not only ETH, but also BTC and LTC as well. They have also set a hard cap of $45,000,000 and there is an exchange rate of 1PCO equating to $1.50.

During the token sale, there will be a maximum 30,000,000 tokens for sale although those that are not sold after the ICO has concluded will be burnt to then seal the final total of tokens that are out there on the marketplace. However, it should be noted that this only represents 30% of the total number of tokens appearing in the token sale with others being used for a variety of purposes including venture capital and investment reasons for the platform itself.

Update 08/03: The presale was complete after reaching it's hardcap so it looks like they'll be able to raise a huge amount of funds.

How will the platform profit?

There's been many 'good ideas' in crypto lately but many of them don't seem to have many revenue streams that will sustain them after the ICO funds run out. This new platform however seems to have a clear business plan.
They plan to charge a small 4% management fee and a performance fee that will vary from 15-30%. They also plan to create additional revenue streams from fees with their card, transaction fees and revenue from ICOs.

Conclusion About Pecunio and the ICO.

The new platform does appear to offer a wide range of services and options when it comes to getting into the world of investing in cryptocurrencies. At the most basic part, they are doing the same as a number of other cryptocurrencies and similar platforms, but they are looking at covering as many things as possible to make their platform more interactive than others.

Considering the way in which investing in cryptocurrency is continually rising in popularity, offering individuals the chance to effectively learn all about the market and offering a more simplified way of doing things should prove to be rather beneficial. The only question that remains is just how they are going to be able to get enough people on board for this cryptocurrency to then be worth an investment. However, with plans to use a healthy percentage of the income from the ICO on marketing, then there is certainly a degree of hope that this platform may be able to establish itself even within a percentage of the market.
Check out further details on their website
Website here
Whitepaper: https://pecun.io/Pecunio_White_Paper.pdf
Bitcointalk profile: https://bitcointalk.org/index.php?action=profile;u=1153986