Saifu.ai is a single European bank account for Crypto-currency and Fiat with legal mutual exchange and I / O

Today I want to offer you an overview of the financial service of Saifu, which plans to provide a single account of the banking level for storing both crypto-currencies and ordinary fiat money and exchanging them among themselves and each other.

The list of the declared services, which can already be obtained from Saifu, is quite attractive:
Opening of accounts under the license of the Czech National Bank
Replenishment of the account in the Crypto-currency and Fiat
Exchange of Crypto-currency for Fiatnye money and back
Receive and translate Fiat through the system of international transfers SWIFT
Replenishment of the account directly by credit card of any bank

The nearest plans include the connection of the domestic exchange for the trade of the crypto currency between customers, the allocation of account numbers to customers of IBAN, the issuance of their own credit cards linked to accounts and the possibility of withdrawing funds from accounts on these credit cards.

In addition, holders of platform tokens (now it goes ICO, where else without it) will be able to receive discounts for services that are greater than the large number of tokens you own. But first things first.

To get acquainted with Saifu is best from the moment I watch my short video - it is usually easier to perceive audiovisual information, and then to consolidate the information after reading the post to the end.

And do not forget to leave in the comments your personal impression about this platform:

Unlike many traditional crypto-exchange exchanges and exchangers, Saifu is a fully regulated financial institution and has a license for its activities issued by the Czech National Bank. In this regard, individuals and organizations planning to use Saifu accounts in their work must pass through verification and verification of their accounts for compliance with KYC and AML standards (knowledge of their client and combating money laundering). On the other hand, the use of time-tested traditional banking technologies when working with crypto currency can be attractive to ordinary people.

Saifu's goal is to make crypto-currencies more accessible to everyone, not just for "techno-geeks", while the company's activities are licensed and controlled by government regulators.

Saifu: people and company

The founders of the company ( Alexander Legoshin and Eugene Vigovsky ) and the main leaders of the directions are our compatriots from Russia and the Baltic States. All are public people, have profiles at least in LinkedIn and links to them from the official website. About them enough many mentions on the Internet and in search engines it is easy to find references to their previous work. Doubts about the reality of these people and their relationship with Saifu no.

The professional experience of the team, including developers and marketers, is mainly related to finance, banking and lending to the population in the form of founders' experience or work in relevant companies, banks and microfinance organizations - Finam, Deutsche Bank, Sberbank, Parex Bank, Absolut Bank and others. Several members of the Saifu team until recently worked at Kaspersky Lab and are specialists in network security issues.

At one time Parex Banka (Latvia) had one of the most modern Internet banking systems in the Baltics, and multicurrency settlement accounts used the most popularity among its customers. Historically, the sphere of maximum interests of the bank was focused on the markets of Russia and the CIS.

The legal entity Saifu is the Czech company PAYMASTER as, registration number 05690382 which can easily be checked in the relevant state databases. The General Director and the Chairman of the Board of the company indicated Eygens Slava, which fully agrees with the data on the website.

Summary: the team has a publicly verified operational experience in financial and banking structures, and the cooperation of the former head of the Parex Bank's credit department with the Kaspersky Lab's network security specialists can be effective.

Community and expert opinion on Saifu

It should immediately be noted that the Saifu team is making quite a big effort to inform the community about its project. The information is presented practically in all social networks, channels and sites where the interested audience can be present. Facebook , Twitter , Telegram (in English and Russian ), YouTube , Reddit , Medium - for these links you can find official representatives of the platform in the listed social networks. And given the active user bounty company , the project is actively represented at other venues, including profile forums and publications in such networks as Steamand our Voice .

If you want to see the general list of user publications on forums, social networks and specialized resources - this link will provide a constantly updated up-to-date list of such user publications.

The company also quite actively works with a live audience - co-founder of the company Eugene Vigovsky introduced Saifu at the Crypto Space conference in Skolkovo on December 8 last year. And the company regularly holds meetings in the format AMA (Ask Me Anything, Ask me what you want) - something it looks like a meeting "Evening with the Voice" when we launched our detachment. The possibility of direct interactive with the project team is good marketing.

Eugene Vigovsky talks about Saifu at the Crypto Space conference in Skolkovo, Moscow, December 8, 2017.

On the other hand, the main activity is concentrated in the English-speaking segment, and there is not much official information in local languages. Although the company has a translation of the announcement on the Bitcointalk forum in all major languages, but, for example, there is practically no activity in the Russian language branch - there is only a translation of the announcement about the launch of the project and one comment to this announcement directly from the Saifu team.

Perhaps this is due to the fact that the site Saifu and the official accompanying documentation of the project exist only in English. I hope this small analysis can solve this problem to some extent and help me understand Saifu to Russian-speaking readers. In this regard, your comments will undoubtedly be very useful.

In fact, within the company's bounty there is, for example, a full translation of White Paper into Russian, but it's still not an official document and on the site or in the branches on Bitcointalk'e this translation is nowhere to be referenced, so I had to spend some time to search for it. Link to translation White Paper is at the end of my post. However, this translation is incomplete or based on an outdated version of white paper, so if you are interested in the Saifu platform, I recommend that you read the original documentation, which you can download on their website.

Independent experts evaluate the prospects of ICO Saifu as:
4.1 points out of 5 according to ICO Bench
3.9 points out of 5 according to Track ICO
Stable + according to ICORating

It is worth noting that the opinions of live experts in the assessment of ICO Saifu on the presented trackers are not so much and the main weight in the resulting points is the automatic evaluation of information by robots trackers. Therefore, if you find a good independent expert evaluation of Saifu - share your find in the comments.

Summary: The volume of official documentation and informal reviews is sufficient for a full analysis of the concept of the project. The company is actively represented in all social networks, especially in the English-speaking segment, and has achieved certain results in attracting the attention of users, including thanks to the company's bounty and its own skilful marketing. While the target audience as a whole is still little informed about the Saifu platform, information is rapidly spreading.

Competitors and Saifu Roadmap

Saifu plans to work in a fairly competitive environment - due to its internal specifics, the world of crypto currency is ideal for developing financial applications. In white paper, Monaco, Bankera, Revolut and Crypterium are the competitors with which the Saifu team compares its platform. To this list, you can also safely add Monaize - a European bank on a block for freelancers and small businesses, whose review I already had a few months ago.

All these projects are planned to work in the markets that intersect with the potential audience of Saifu. Thus, the very idea of ​​the platform is not unique, and they will have to work in a highly competitive environment.

On the other hand, Saifu already has a working platform , both in the form of access through a web browser, and as a separate mobile application. The launch of the platform is technically ready and the company expects only completion of the ICO and obtaining all necessary permits from regulators. At the same time, Saifu positions itself as the only company whose activities on the exchange of crypto currency for Fiat and back are fully licensed and legal .

In addition, this market is growing very fast, so the level of competition may even decline - it is expected that by 2020 the volume of transactions in crypto-currencies will exceed $ 5 trillion. Then, now 4 times less funds are transferred through the crypto currency, at the level of $ 1.3 trillion per year.

With ready-made technology and applications, the bulk of the funds raised during the ICO will be directed to legal support and licensing of business (40%) and marketing (15%). Operating expenses are planned at 40% and the remaining 5% - for hospitality and participation in conferences.

Saifu already has a procedure for issuing IBAN numbers to international bank accounts for operations with crypto-currencies.

At the time of launch, the platform does not intend to work on the basis of the blockbuster, but is considering the possibility of such a prospect after 2020.

ICO and free SFU tokens

Collection of funds and sale of SFU tokens of the platform takes place on the Ethereum blockhouse under the following conditions:
The minimum amount of fees for launching the platform : $ 10 million
The maximum amount of fees : $ 49 million
Maximum number of tokens : 100,000,000 SFU
Face value : 1 SFU = 0.0001 BTC
End of ICO : April 30, 2018

Unspecified tokens during the ICO will be destroyed at the end of it. At the moment, about $ 4.5 million has already been collected. The essence of the tokens consists in their need to work with the platform: all commissions and fees inside the platform will be fixed in tokens. Saifu customers will need to buy tokens either inside the platform or on the foreign market. Since the number of tokens is limited, their value will grow as the platform develops.

To encourage customers to keep tokens, a loyalty program is provided, according to which the holders of the tokens will receive discounts for Saifu services, the more the more tokens they have. In addition, there is a procedure for burning 70% of the tokens involved in the transaction inside the system on an ongoing basis to prevent excessive liquidity.

Tokens will be issued after the end of the ICO and sent to the ERC20 purse addresses that you specified in the member's office of the ICO Saifu. The source code for the ICO smart contract is open and anyone can verify the code's compliance with the ICO conditions.

To add tokens to a local wallet, for example MyEtherWallet, use the following data - smart address address: 0x82ba2b46483266068f340d538dab41394d01c782 , token character: SFU, bit depth: 18. If you do not know how to add custom tokens to your MyEtherWallet purse, I recommend watching my video instruction like this do the example of WINGS tokens, Only instead of the WINGS parameters, you should use the specified data of the Saifu smart contract.

By the way, if you do not plan to invest in the project with real money at the ICO stage, before March 31, you have the opportunity to participate in the free AirDrop'e SFU tokens of this project.

In one hand, tokens are distributed to the amount of 0.0001 (about $ 1 at the current rate) and to get them you need to have the ETH address of your personal wallet (ie from which you have a private key), subscribe to Twitter and the Telegram channel Saifu and fill out the form AirDrop member by reference.

General summary

Pros : Saifu already has a ready working platform for Internet banking and a mobile application. The current activity shows the team's ability to conduct aggressive marketing, necessary for the development of the platform. The team has experience in banking and finance. The company has an operating business and all necessary licenses for work.

Cons : the idea of ​​business is not unique and work is planned in a highly competitive environment where there are already big players. The success of the company largely depends on marketing and advertising, not on technology. The benefit of owning tokens SFU is of speculative interest and consists only in expectation of growth in their value as the company develops, plus discounts for the use of internal services.

References:

Official site of Saifu.ai

White Saifu paper in Russian

Announce Saifu on forum Bitcointalk [EN]

Russian-language topic with discussion of Saifu on Bitcointalk

Main and Russian-language Telegram channels Saifu

Official free distribution of 500,000 SFU tokens until March 31st

My Profile : https://bitcointalk.org/index.php?action=profile;u=1294070

My ETH : 

 0x5c436071C11Ea2a53d9068E273D46DE489D21e7F