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Introduction

In today's modern world people still have to deal with three main factors impacting negatively on international payments and access to credit. Transactions across international
borders using traditional money, referred to as fiat money are normally complicated, time consuming and expensive.

In 2009 Satoshi Nakamoto introduced Bitcoin as a digital analogue to gold: limited in supply, but secured by modern cryptography. Digital money, referred to as cryptocurrency is
an electronic payment method which can be transferred between users with the help of computers, smartphones and the internet..

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BLOCKCHAIN TECHNOLOGY

The main innovation behind cryptocurrencies is that, instead of relying on trusted third  parties such as central and commercial banks, transactions are recorded and propagated in a distributed ledger known as a blockchain. In 2016, the Finnish Central Bank organised a seminar about blockchain in its bid to  support local research projects on this technology. The seminar attracted participants such as local academics, regulators, and companies. The technology behind blockchain is busy changing money, business and the world. The promise of blockchain technology is simple: cut out the middleman and help secure financial transactions through a distributed ledger system. This results in fully decentralised transactions together with relatively low transaction fees. 

CRYPTOCURRENCIES

Bitcoin and alternative cryptocurrencies are progressively enjoying widespread adoption and have been the investment buzzword since its creation. Experts in the field of cryptocurrencies believe that this upward trend will continue and even escalate in the years to come. Cryptocurrencies have the unique potential to challenge existing systems of currency (fiat currency/traditional money) and payments. Cryptocurrency transactions are dependable, restriction-resistant, permission-less and private. Once a transaction is confirmed by the blockchain network, it becomes permanent 
and final. Therefore, a dispute process does not have the authority or power to charge it  back like with other forms of money transfer. Many other alternative cryptocurrencies have been developed and introduced to improve on Satoshi's original vision. Despite significant recent developments and innovation, the market for cryptocurrencies remains very small and specialised.

INITIAL COIN OFFERING (ICO) 

The concept of crowdfunding or collective fundraising has been done for a long time. For example, in 1885 in the United States funds were raised in this manner to erect the Statue of Liberty in New York City. ICO is a means of crowdfunding via the use of cryptocurrency as an alternative to the 
painstaking and regulated capital-raising process required by venture capitalists, banks or  stock exchanges. While cryptocurrencies have been booming, so have ICOs, possibly on an even bigger scale. From an investment point of view, ICOs are more than worth getting involved in. ICOs are an alternative to crowdfunding, and have the potential to transform the way companies capitalise themselves. There are a few reasons for the increasing interest in ICOs namely: 

• Its accessibility to the general public 
• A good chance of buying cheap tokens and seeing them appreciate in value over
time
• The attraction of more investors from all over the world resulting in less
centralisation which is what cryptocurrency is all about
• Stimulating creativity since every ICO project aims to bring something new to the
table

In the past, investors participating in the pre-ICO have been rewarded generously by the  company in question. A pre-ICO allows investors to buy tokens before the official crowdfunding begins. In the year to come more and more ICO offerings are expected monthly as this technology 
becomes more mainstream. Subsequently, it will become much more challenging making  the right choice when you want to invest in a solid and promising cryptocurrency ICO in future.

Fiat Currency

Unpredictable and Volatile

The history of fiat currency, also called traditional money, is characterised by uncertainty,
unpredictability and volatility. The average lifespan of fiat currency is as short as 27 years.
Inflation poses a serious threat to fiat money. Inflation causes a general increase in prices
and a fall in the purchasing power of money. Central banks have the power to print as much
money they feel fit. This phenomenon together with the destructive effects of inflation cause
the purchasing power of fiat money to experience a steady decline. The British pound, the
world's oldest fiat currency is an excellent example of this. For example, it has lost 99.5
percent of its value since inception approximately 1200 years ago.


One of the main concerns and critical questions asked around the world is whether  cryptocurrencies have intrinsic or real values. Some people believe that it may even have a value of zero. Zabercoin is an asset backed cryptocurrency. Therefore, with Zabercoin we aim to resolve 
this problem by combining the blockchain technology with physical asset investments like  real estate and lucrative companies more specifically located in emerging markets were earnings growth remains profitable. The potential for growth remains high which will be explained and demonstrated thoroughly in this document. 

Zabercoin limits your exposure to the downside risk. Zabercoin has a floor price right from the time of its inception. Each Zabercoin digital token will be backed by lucrative property such as real estate making this cryptocurrency unique and sustainable with sound recurring income re-invested to ensure future growth, research and development. These digital tokens will be  accessible and convertible via exchanges to ensure liquidity. 
Zabercoin prides itself with a very strong and dynamic management team with over 100  years of experience combined in the asset management space. 

Cryptocurrencies fundamentally and drastically change the way banking is done by  removing synthetic and man-made barriers caused by legacy financial institutions.  Therefore, cryptocurrencies, including Zabercoin allow for : 

• Verifiable and accurate peer-to-peer payments all over the world 
• Nominal transaction fees and processing time compared to banking in fiat
currencies
• Cutting out the majority of middlemen institutions means less fees and bigger
return
• Securing financial privacy by means of payments between pseudonymous or
onymous parties. Therefore, both parties use assumed names for
identification purposes
• Non-reversible and permanent transactions preventing chargebacks and fraud

When the question is raised whether or whether not fiat money has any intrinsic value,  clarity is found when reference is made to the Nixon shock of 1971. The most significant measure undertaken by the US President at that time was the unilateral cancellation of the direct international convertibility of the US Dollar to gold. Since then the exchange rates of national currencies have been free floating. Therefore, it is not accurate to claim that fiat money has an intrinsic value. It is backed by the government issuing it, but that is not intrinsic value. With central banks having the power to print as much currency as they please, combined with the destructive effects of inflation, the purchasing power of fiat 
money experiences a steady decline. It is therefore safe to say that fiat currency is made valuable by a government's artificial monetary policy. Inflation is a general increase in prices and fall in the purchasing value of money.

REAL ESTATE INVESTMENT PHILOSOPHY

Added value. We strive to add value at each stage in the investment process which targets under-priced markets expected to maximise performance for a given level of risk.

The team believes in a top-down asset management approach. This means that a variety of economy-wide phenomena (macroeconomics) such as inflation, price levels, rates of growth and unemployment and the gross domestic product (GDP) of a country will be thoroughly evaluated before considering any prospective project.  

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