Summary

• Project name: Peculium
• Token symbol: PCL
• Website: https://www.peculium.io/index.html (Peculium)
• White paper: https://drive.google.com/file/d/0BwJ8L6bES0uca3k4Mk1SbGlMdVE/view (PECULIUM_White_Paper.pdf)
• Hard cap: EU €50 million ($58 million) (5% private sale, 15% team, 25% ICO, 55% CCO)
• Conversion rate: 1 PCL = €0.01 (current $0.0116)
• Maximum market cap at ICO on a fully diluted basis: €200 million
• Bonus structure:
  • Private sale 50%
  • Pre-ICO 35%
  • ICO from 30% - 5%
  • CCO 0%
• Presale or white list: https://privatesale.peculium.io/login (Peculium | Login)
• ERC20 token: Yes
• Crowdsale date:
  • Private sale Active - ends 22nd Nov'17
  • Pre-ICO 5 hrs on 27rd Nov'17 (12am. - 5pm. GMT)
  • ICO from starts 27th Nov'17 - ends 19th Jan'18
  • CCO 0%
• ICO will be held either by Bittrex, Poloniex or Kraken

Introduction:

Project Overview

What does the company/project do?

• PECULIUM is a savings platform over smart contracts
• Analogous to 401K, savings from the FIAT salaries will be invested in Peculium
• Peculium trades on cryptocurrency markets
• Generated profits are returned to the investors in the for of ETH as payment.
• Several advantages – Machine learning and artificial intelligence for crypto trading, transparent functioning over smart * contracts, First movers advantage, brings money to cryptospace.

Here is now PECULIUM works in a nutshell:

• Peculium ICO generates primary funding
• 25% of the funds get invested into First Solidus Contract (a smart contract for handling investments)
• Peculium has created a virtual advisor called AIEVE
• Using machine learning algorithms, AIEVE trades over cryptocurrency markets
• 50% profits generated are returned to the investors in the form of dividends.
• 50% profits are reinvested into the next cycle of smart contrat
• Peculium also provides multiple other solutions for business users such as banks, brokers, traders
• Their products SINGULUS for the individual user provides basic security and advise
• ALTERUS and SOLIDUS are business oriented contracts.
• These contracts can subscribe to benefits of AIEVE at any time for a small fee.

How advanced is the project?

The project has working prototypes (beta phase) of the contracts.

• Q1 2015 – Prediction algorithm product is developed
• Q2 2016 – Massive data processing of the financial and social data processed by Automated machine learning
• Q4 2017 – ICO, and smart contract development, development of Machine learning chatbot
• Q2 2018 – Deployment of smart contracts for financial management
• Roadmap consists of developing Insurance system based on cryptocurrencies, Rating system, and development of Bonds.

Team

PECULIUM has a large team of 21 and actively adding more members.
Rachid Oukhai , Founder & CEO – CEO of Upsilondata a big data analytics platform., Data Expert at Inomia
Xavier Alex Fiquemo , CTO – Director of Knowledge & Synthesis is a research and consulting company in Business Intelligence and Intelligence, Digital Strategy, e-Reputation, e-Influence, Social Media Monitoring
AIEVE Financial advisor – Learner from mistakes of everyone at all the times.
The team also involves international team of Ambassadors who will be selected from the community
More details on the team
https://www.peculium.io/team.html (Team)

Opportunities

• Underperformance of the current savings and retirement plans compared to inflation
• Cryptocurrencies are gaining grounds therefore provide good opportunity for benefits
• Increase ease of investment without special knowledge of cryptocurrencies
• Scope for growth is tremendous
• First movers advantage

Concerns

• PECULIUM project is highly ambitious. The goal is to be leader in cryptotrading
• PCL evaluation might be a bit high but early entry and bonus structure makes up for it
• 50% discount at a bonus stage might put sell pressure during ICO (early investment is recommended)
• Platform is supposed to launch internationally, therefore regulations at international scales is a concern
• The platform is not going to launch until Q1 2018

Challenge by the team:

• A 10,000,000 PCL ($100,000) challenge has been created by the team to identify the secret! The secret is completely unknown. More details on their slack channel Invite
• Bounty 600,000,000 PCL (€6,000,000) thread