Zodiaq blockchain crypto bank

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Zodiaq blockchain roadmap.
2018
Cryptobank:
• obtaining SWIFT, FATCA, AML Certificate, etc.;
• deployment of Automated Banking System (ABS) software;
• authorization with payment systems and gateways;
• development and launch of mobile bank Zodiaq Pay. Crypto-currency Zodiaq Exchange:
• launch of exchange in real mode on real nodes;
• creation of legal infrastructure and opening accounts;
• attestation at the regulator’s office;
• integration with international payment systems;
• adding new coins;
• formation of own liquidity;
• integration with mobile application Zodiaq Pay;
• authorization with other exchanges;
• application with open API. Hedge Fund:
• preparation and creation of Offering Memorandum;
• SEC, compliance;
• development and backtesting of the investment strategy (smart beta) with rebalancing once a month;
• development of a group of short-term/medium-term strategies (AI-driven smart alpha):
• training the neural network on the accumulated price and non-price data;
• creation of infrastructure for execution of transactions;
• development of HFT-ARB strategies;
• development of ICO screening system. Payment system:
• expansion of service geography (Indonesia, Philippines, China, India, Malaysia, Sri Lanka, Bangla- desh, Vietnam, Nepal, Pakistan, Myanmar, Thailand and Cambodia);
• PCI DSS attestation;
• launching a multi-currency plastic card;
• development of software for processing payments and launching crypto-currency acquiring. ZODIAQ ECO System:
• launching currency of the project;
• withdrawal of the project currency to external exchanges;
• formation of strategic partnerships;
• launching tools for processing tokens;
• development of own blockchain.
Financial indicators
The gross turnover of the system is 50,000,000 USD. The number of the customer base is 500 000 users. The revenue is 3,000,000 USD.

2019
Cryptobank:
• authorization of SWIFT/SEPA;
• VISA/MC membership;
• issue of cards;
• development of an open API. Currency Exchange:
• increase of the working capital;
• launching the decentralization module;
• introduction of margin trading;
• Authorization with other exchanges;
• development of investment accounts;
• expansion of service geography. ZEST Foundation:
• development of algorithms for bidding strategies;
• invested strategies;
• venture investing;
• microcrediting;
• providing margin liquidity. Payment system:
• acquiring;
• POS-terminals for receiving crypto-currencies in retail outlets;
• installation of cryptonates;
• launching of cross-border money transfers. ZODIAQ ECO System:
• transfer of the system to its own blockchain;
• connecting third-party banks to ZODIAQ platform;
• SEC attestation;
• legal structuring.
Financial indicators
The gross turnover of the system is 300,000,000 USD. The number of the customer base is 10 000 000 users. The revenue is 10,000,000 USD.

2020
ZODIAQ ECO System:
• business scaling;
• implementation of hardware wallet
• increasing the customer base to 300 000 000 users; Financial indicators
The gross turnover of the system is 1,500,000,000 USD. The number of the customer base is 300 000 000 users. Revenue is 400,000,000 USD.
2021
ZODIAQ ECO System:
• business scaling;
• increasing the customer base to 300 000 000 users; Financial indicators
The gross turnover of the system is 1,500,000,000 USD. The number of the customer base is 300 000 000 users. Revenue is 400,000,000 USD.

Zodiaq blockchain platform of specialized financial tools with the use of blockchain solutions.

On the basis of the platform being developed within framework of this project, the clients will be offered with the following services:
• Payment
• payment of services, goods, duties, penalties and levies.
• repayment of credits.
• payment of financial products.
• Operational:
• keeping accounts for individuals and legal entities both in fiat and crypto-currencies.
• cash withdrawal from accounts.
• replenishment of accounts, cards, wallets from other accounts, cards and wallets.
• acceptance of payments in trade outlets with the help of fiat and crypto-currencies (acquiring).
• converting fiat and crypto-currencies (promptly and at the most profitable rate, which is calculated on the basis of rates of several major exchanges).
• money transfers (between accounts, cards, wallets of one user, and another user) in fiat and cryp- to-currencies with automatic conversion at the best rate.
• holding deposits in fiat and crypto-currencies.
• credit servicing in fiat and crypto-currencies.
• servicing of financial tools, including trust management of securities and real estate in fiat-curren- cies.
• administration of fiduciary accounts;
• servicing of financial instruments based on blockchain technology
• wallets in various crypto-currencies (including legal entities in permitted jurisdictions, including cold wallets).
• Servicing
• conclusion of contracts (for loans, deposits and other products).
• servicing of accounts (opening/closing, administration, prolongation).
• servicing of cards (receipt, re-issue, blocking, setting limits, PIN recovery, etc.) in fiat and crypto-cur- rencies, including:
• Compact Smart Wallet in the amount of the credit card.
• multi-chip smart cards for NFC payments and cold storage of crypto-assets.
• multi-crypto-currency bank cards Visa, MasterCard;
• fast RF (NFC) payments, exchange and withdrawal to fiat.
• any downloadable tokens of loyalty systems and bonuses.
• making NFC payments and through Internet processing from any account in any currency, including tokens ZOD, ZDQ.
• mobile application with selection of payment account.
• storage of crypto-currencies and tokens in the cold wallet mode.
• issue of an additional plastic card for cash withdrawal from ATM.
• change of personal data, terms of contracts.
• technical support.
• insurance of transactions (based on smart contracts).
• Information:
• receiving any information on request (on the products/services, consultation, etc.).
• automatic notification (about any changes in the account/card, maturity of the loan, news and pro- motions).
• receiving account/card balance.
• receiving account/card statement.
• receiving answers to additional random questions.
• Additional services:
• mobile crypto-bank with integration.
• service of depository accounting and storage of crypto-currency assets.
• service of crypto-currency crediting.

Zodiaq blockchain crypto bank as a service solution.
By using the Zodiaq platform, users can quickly and efficiently perform transactions and configure their own end applications and services. One does not need to make an infrastructure from the very beginning, integrate with legislation, formalize interaction with payment services in every new country and every new bank, since the platform has already had technological and legal integration, it may connect a new player cheaper and faster.
ZODIAQ platform will stipulates increased security requirements that introduce strong customer authentication (SCA) with online access to the account, transfer of an electronic order for a transfer, and provide specific security requirements for the channels, where the user data are transmitted.

Vital functions and general characteristics of Zodiaq blockchain.
The task of Core Zodiaq is the management of crypto-jokes, as well as the seamless interaction between blockchain and fiat.
The basic functions that Core Zodiaq ensures are as follows:
• replenishment of crypto-accounts;
• currency exchange (fiat-crypto-fiat)
• securing payments.
Replenishment scenarios:
• replenishment from an external crypto-wallet;
• replenishment with the help of fiat-currencies.
Exchange scenarios:
• fiat into crypto-currency.
• crypto-currency into fiat.
• crypto-currency into crypto-currency, on different blockchains.
Payment scenarios:
• payment for consumer goods or services, nominated in fiat and crypto-currency.
• payment on goods delivery contracts.
Payment systems ZODIAQ shall enable making payment transactions both via classical payment systems (Visa, SWIFT), and alternative payment systems (Ideal, Ripple).
The issues that can be solved using ZODIAQ payment system.
• rates of exchange of fiat-crypto-fiat.
• seamlessness between currencies and blockchains. Core Zodiaq also ensures.
• integration with internal payment systems and applications;
• integration with external payment systems and data sources.
• account management (crypto and bank accounts)
• Query queue management.

Zodiaq blockchain exchange and Cryptocurrency Exchange.
Zodiaq Crypto-Currency Exchange, abbreviated ZodEX, is a part of Zodiaq project and is an important infrastructure element.
Own crypto-exchange is extremely necessary for proper functioning of the ecosystem for a number of reasons:
• its own exchange will reduce the bank’s dependence on third-party exchanges, their rules and restrictions, for example, remove the restriction on the amount of transfer, expand the number of currency links;
• the ability to establish rules, cost and conditions for working with digital assets and crypto-currencies
• control over its own funds and funds of clients of ZODIAQ project in circulation at the stock exchange
• reducing the rate and market value of transactions for any operations within the contour of ZODIAQ system and beyond
• rapid conversion of crypto-currencies into fiat-currencies
• convenient and intuitive interface, suitable even for beginners in the exchange environment.
To solve these issues, ZODIAQ decided to create its own exchange.
At the moment, there is a wide spread of prices on the operations with crypto-currency, which may reach 20% in some cases.
For the end user (the client of the exchange), it is quite difficult to solve the task of reducing the cost of operations himself/herself, since one shall simultaneously perform a price analysis on several exchanges in order to choose the optimal rate for the transaction. One shall have accounts on every exchange with funds available to be ready to perform an operation in case of a suitable price.
To solve this issue, ZODIAQ has developed an algorithm that takes exchange rates from 15 main exchanges, analyzes and offers the best price for the transaction.
For a user of our exchange, it is sufficient to go through five steps:
• log in
• credit some money
• make an application for currency exchange
• wait for the best rate offer to be provided by ZODIAQ system. This course will be based on instant analysis of current exchange rates (in particular, ZodEX’s own exchange will participate in the selection on general terms,)
• debiting of money.
The exchange process will look like this:
• the user makes a transaction for purchase or sale of crypto-currencies via the interface, the Automated Banking System (ABS) forms a request, on the basis thereof a special script is linked via API (internal protocols) to the exchange servers where accounts are opened, and requests data at current exchange rates. After that, the script returns the received data to the system, where a special algorithm analyzes all received data and chooses the most profitable rate for the transaction, which is offered to the client
• then, if the user confirms the transaction rate, ABS sends a command to the exchange that has provided the best rate to debit the funds from the account of the bank opened at the exchange to the wallet of the client and debits the funds from the client’s account
• as the bank first settles with the client on the transactions from its own reserves, the transaction rate is reduced and the issue of insufficient liquidity on some exchanges is being solved
• in its turn, the bank replenishes its own foreign exchange reserves purchasing additional currency at the exchange or off-market
• if, at the time of the transaction, the bank lacks liquidity for a particular item, the bank may purchase the missing amount of currency directly from the exchange, or use a part of the funds from its own foreign exchange reserves to secure the transaction.
Normally it takes some time for any operations via the exchange. In our case, the transfer of funds within one account will be a matter of seconds.
Having exchanged money on ZodEX exchange, Zodiaq client may immediately send it to his own bank card, his bank account, make a money transfer to the specified details, or receive it in cash at the cash desk of a partner bank located in your country.

To know more about this project you can follow the links below:
Website: https://zodiaq.io/
White paper link: https://zodiaq.io/file/ZODIAQ_WP.pdf?utm_source=btt&utm_medium=bou&utm_content=bou_v1&utm_campaign=wp
Ann Thread: https://bitcointalk.org/index.php?topic=3411516
Twitter page: https://mobile.twitter.com/zodiaq_io
Facebook page: https://m.facebook.com/ZodiaqCorp/
Telegram group chat: https://t.me/zodiaq_group
My bitcointalk profile link: https://bitcointalk.org/index.php?action=profile;u=1176224
My ETH address: 0x94e2fe951a7EC78a682dF49Ce5138AC169C236C3