MCO WHITEPAPER 2.

0
26 July 2018

Version 2.05 - March 2020

This whitepaper is a working document that is subject to review and changes
 Crypto.com 2

Contents
1. Legal Disclaimers 3

2. Abstract 7

3. Mission, Vision, Core Values & Competence Areas 7

4. Strategy 8

5. Track Record 9
5.1 MCO Token Stats 9
5.2 Milestones Achieved 9
5.3 Community 11
5.4 Leading Global Cryptocurrency Exchange Partners 12

6. Products 13
6.1 MCO Visa Card 13
6.2 Crypto.com App 17
6.3 Crypto Invest 19
6.4 Crypto Credit 21
6.5 Crypto Earn 23

7. Services & Benefits 25

7.1 Crypto.com Private 26
7.2 BG50 (Both Get $50) Referral Program 27
7.3 Crypto Airdrops 27

8. Management Team 28

9. Roadmap 29

10. Token 31
10.1 MCO Token Information 31
10.2 Token Utility 32

11. Further information 33

 Crypto.com 3

1. Legal Disclaimers
The MCO Token Sale was completed in June 2017. This updated whitepaper
is for informational purposes only and does not constitute any legal
relations between you and Crypto.com and its affiliates (collectively
referred to as “Crypto.com”). This whitepaper is a working document that is
subject to review and changes.

Eligible participants

Eligibility for participation in the initiatives described in this whitepaper (if

and when completed) is not guaranteed and is likely to be subject to legal
and regulatory restrictions. Citizens or residents of Hong Kong SAR are
specifically excluded and ineligible to participate in Crypto.com’s initiatives.

Licences and approvals are not assured in all jurisdictions

The Company and its subsidiaries intend to operate in full compliance

with applicable laws and regulations and obtain the necessary licences
and approvals. This means that the development and roll-out of all the
initiatives described in this whitepaper are not guaranteed. Regulatory
licences and/or approvals are likely to be required in a number of relevant
jurisdictions in which relevant activities may take place. It is not possible
to guarantee, and no person makes any assurances, that any such
licences or approvals will be obtained within a particular timeframe or at
all. This means that the initiatives described in this whitepaper may not
be available in certain markets, or at all. This could require restructuring
of these initiatives and/or its unavailability in all or certain respects. In
addition, the development of any initiatives is intended to be implemented
in stages. During certain stages of development, the project may rely on
relationships with certain licensed third party entities. If these entities are
no longer properly licensed in the relevant jurisdiction, this will impact the
ability of the Company to rely on the services of that party.

No advice

This whitepaper does not constitute advice to purchase any MCO Tokens
nor should it be relied upon in connection with any other contract or
purchasing decision.
 Crypto.com 4

No representations

No representations or warranties have been made to the recipient or

its advisers as to the accuracy or completeness of the information,
statements, opinions or matters (express or implied) arising out of,
contained in or derived from this whitepaper or any omission from
this document or of any other written or oral information or opinions
provided now or in the future to any interested party or their advisers.
No representation or warranty is given as to the achievement or
reasonableness of any plans, future projections or prospects and
nothing in this document is or should be relied upon as a promise or
representation as to the future. To the fullest extent possible, all liability
for any loss or damage of whatsoever kind (whether foreseeable or not)
which may arise from any person acting on any information and opinions
contained in this whitepaper or any information which is made available
in connection with any further enquiries, notwithstanding any negligence,
default or lack of care, is disclaimed.

Translations

This whitepaper and related materials are issued in English. Any translation
is for reference purposes only and is not certified by any person. If there
is any inconsistency between a translation and the English version of this
whitepaper, the English version prevails.

Restricted transmission

This whitepaper must not be taken or transmitted to any jurisdiction where

distribution or dissemination of this whitepaper is prohibited or restricted.

No review by any regulatory authority

This whitepaper has not been reviewed by any regulatory authority.

Third party references

References in this whitepaper to specific companies, networks and/

or potential use cases are for illustrative purposes only. The use of any
company and/or platform names and trademarks does not imply any
affiliation with, or endorsement by, any of those parties.
All references to ‘dollars’, USD or ‘$’ are references to United States dollars
unless otherwise stated.
 Crypto.com 5

Graphics

All graphics included in this whitepaper are for illustrative purpose only. In
particular, graphics with price reference do not translate into actual pricing
information.

Risk statements

Cryptographic tokens may be subject to expropriation and/or theft; hackers

or other malicious groups or organizations may attempt to interfere with
our system/network in various ways, including malware attacks, denial
of service attacks, consensus-based attacks, Sybil attacks, smurfing, and
spoofing which may result in the loss of your cryptographic tokens, the
loss of your ability to access or control your cryptographic tokens. In such
event, there may be no remedy, and holders of cryptographic tokens are
not guaranteed any remedy, refund, or compensation.

The regulatory status of cryptographic tokens and digital assets is currently

unsettled, varies among jurisdictions and subject to significant uncertainty.
It is possible that in the future, certain laws, regulations, policies or rules
relating to cryptographic tokens, digital assets, blockchain technology, or
blockchain applications may be implemented which directly or indirectly
affect or restrict cryptographic token holders’ right to acquire, own, hold,
sell, convert, trade, or use cryptographic tokens.

The uncertainty in tax legislation relating to cryptographic tokens

and digital assets may expose cryptographic token holders to tax
consequences associated with the use or trading of cryptographic token.

Digital assets and financial products and services carry significant risks.
Potential purchasers should assess the nature of, and their own appetite
for, relevant risks independently and consult their advisers before making
any decisions.

Caution Regarding Forward-Looking Statements

This whitepaper contains certain statements that are forward-looking, by

their nature, subject to significant risks and uncertainties. Our forward-
looking statements are based on information currently available to us
about the business that we operate.
 Crypto.com 6

Forward-looking statements may involve estimates and assumptions and

are subject to risks, uncertainties and other factors beyond our control
and prediction. Accordingly, these factors could cause actual results or
outcomes that differ materially from those expressed in the forward-
looking statements.

Any forward-looking statement speaks only as of the date of which

such statement is made, we undertake no obligation to update any
forward-looking statements to reflect events or circumstances after the
date on which such statement is made or to reflect the occurrence of
unanticipated events.
 Crypto.com 7

2. Abstract
The company started in June 2016 with the vision of cryptocurrency in
every wallet.

Crypto.com is redefining how money is being moved, spent and invested.

We are powering the Future of Money. Today.

Crypto.com is democratizing blockchain technology by designing beautiful,

simple and useful financial services that have a lasting, positive impact on
people’s lives.

Crypto.com completed the MCO token sale in June 2017. The project is fully
funded. This is not a fundraising document. The objective of the Crypto.
com Whitepaper 2.0 is to present our vision, product and strategy.

3. Mission, Vision, Core Values &

Competence Areas
Our Mission
Accelerating the World’s Transition to Cryptocurrency.

Our Vision
Cryptocurrency in Every Wallet™.

Our Core Values

Think Clearly, Be Resourceful, Stay Determined, Dream Big &
Be Decisive, Act as Owners, Remain Humble.

Our Competence Areas

Engineering, Compliance & User Experience Design.
 Crypto.com 8

4. Strategy
Distributed
Platform
Visa Card + Crypto.com App

Investment + Credit + Earn

Financial Services.
Redefined.

We believe that it’s your basic human right to control your money, data and
identity. Crypto.com is building an outstanding and defensible platform to solve
access and usability challenges in the blockchain industry, and power redefined
financial services to improve our customers’ lives.

The Crypto.com includes the Crypto.com App (to buy, exchange, send and track
cryptocurrency) and the MCO Visa Card (to spend your cryptocurrency in the real
world).

Leveraging on the distributed platform, Crypto.com is building an innovative

portfolio management product “Crypto Invest” (to easily buy a basket of
cryptocurrency), an instant loan product “Crypto Credit” (to get credit to spend
on your MCO Visa Card by depositing cryptocurrency as collateral) and “Crypto
Earn” (to earn interest on cryptocurrency deposits).

Our strategy is to use the Crypto.com app as the distribution platform. We plan to
continue re-investing in both products’ benefits to make them even more attractive
for customers.
 Crypto.com 9

5. Track Record
Since its founding, Crypto.com has achieved a number of
significant milestones.

5.1 MCO Token Stats

MCO Token Sale began on May 18, 2017 and ended on June 18, 2017.

MCO Token cost on day one of the Token Sale was equivalent to USD
0.60 and the MCO Token price as of May 19th, 2019 was $5.10 USD.

MCO Token is now listed on 29 exchanges, including Binance,

Bittrex, Bithumb, Huobi, OKex, Upbit, HitBTC, Bit-Z, EXX, Gate.io,
BigONE, Livecoin, Yobit, and Cobinhood.

Total trading volume of Crypto.com since July 2017 has been $10.1
billion USD.

5.2 Milestones Achieved

2016

June
Founded Crypto.com
September
Secured Card Issuing Capability
October
Built Prototype
November
Accepted into the Supercharger,
Asia’s Leading FinTech Accelerator

2017

February
Accepted into Hong Kong April
Government Backed Cyberport Graduated from Supercharger,
Incubation Program Demo Day at the Hong Kong
Stock Exchange
 Crypto.com 10

May - June
Launched Token Sale - Raised
$26.7M USD July
Listed on Bittrex, Largest
August Cryptocurrency Exchange by
Listed on Binance, World’s Fastest Volume Globally
Growing Cryptocurrency Exchange
October
Pre-Registration Apps Go Live MCO Visa Card Program Received
Green Light
November
Partnership with Gemalto to
Produce Metal Cards Announced December
Launched Listings on 9 Additional
Cryptocurrency Exchanges (Total 17)

2018

January
Announced Crypto Credit and March
Crypto Invest Products on CNBC Global Cryptocurrency App
Closed Beta Program
April
Listed on Bithumb, Korea’s Largest
Cryptocurrency Exchange May
Global Cryptocurrency App Open
July Beta Released
Crypto.com Rebrand Announced MCO Staking Enabled
MCO Visa Card Line Up Announced Marketing Campaign Started
MCO Revised White Paper Released
August
Litecoin Listed
September
Multi-currency Support Added

October
XRP Listed
Crypto Invest Launched
MCO Visa Cards Started Shipping
in Asia
 Crypto.com 11

2019

February
MCO Visa Card New Value
Proposition Announced
Crypto.com Vortex Multi-Exchange
Trading Platform Launched
March
Crypto.com Pay Launched
May
Crypto Credit Launched
Crypto Earn Launched
July
US cards Launched

5.3 Community
Crypto.com has a very engaged, vibrant community – essential to
our brand’s long term success.

105,000+ 16,400+
Twitter Facebook
Followers Followers

7,400+ 20,800+ 19,000+

YouTube Instagram Telegram
Subscribers Followers Members

5,400+ 2,100+
Reddit Discord
Readers Members
 Crypto.com 12

5.4 Leading Global Cryptocurrency

Exchange Partners

“
- Changpeng Zhao, CEO

We are supportive of Crypto.com’s vision to bring cryptocurrency to

every wallet. Crypto.com is perfectly aligned with Binance’s mission
to allow everyone to exchange digital assets seamlessly. Most
importantly, Crypto.com the cryptocurrency community needs
initiatives that will drive adoption globally and we are confident in
the Crypto.com team’s ability deliver a fantastic product.

We are supportive of Crypto.com’s goal to expand the ecosystem

”
and drive cryptocurrency adoption globally. Mutual support for our
tokens is an important first step as we continue to explore ways to
broaden our integration.
 Crypto.com 13

6. Products
6.1 MCO Visa Card

Customer pain points/needs

Customers who want to buy and spend cryptocurrency face
cumbersome processes with long lead times (3-4 days) and a
scarcity of places where to do so

Customers who spend abroad with their regular credit or debit

cards are charged significant FX fees (up to 8% of purchase
amount) by financial institutions and may not get any additional
benefits for their purchase

Value Proposition
Crypto.com provides beautifully crafted MCO Visa approved pre-paid cards
for customers:

Metal card, no annual fee

Up to 5% back on ALL Spending
&
100% Rebate (Up to $9.99USD eqiv. and $12.99 USD equiv. monthly respectively)

&
10% Rebate (up to $50 USD equiv. and $100 USD equiv. respectively)

Airport Lounge Access (selected cards)
 Crypto.com 14

Spend overseas at perfect interbank exchange rates - no mark ups

Conveniently spend and withdraw the fiat equivalent of their
cryptocurrency online and offline at all Visa approved merchants
[US] Users can top up their cards through direct bank transfers via the ACH
Network.

In addition to the above benefits, Icy White, Rose Gold and Obsidian Black
cardholders will enjoy:

Crypto Earn Bonus Interest: an additional 2% p.a. on fixed term deposits

paid in MCO (not applicable to MCO or CRO deposits)

Crypto Earn Limits: increased maximum account limits (US$1m for Icy
White/Frosted Rose Gold and US$2m for Obsidian Black; US$0.5m for the
remaining card tiers)

100% Rebate (up to US$12.99/month rebate of

membership fees)

Exclusive Crypto.com Merchandise: Welcome Pack

And exclusively for Obsidian Black cardholders:

Private Jet Service: special perks when travelling with our preferred private
jet partner

Note: This offer is launched by Crypto.com independently and there is no

partnership between Crypto.com and the merchants in this offer. Crypto.com has
the sole discretion to modify this offer at any time.
 Crypto.com 15

Pricing and Benefits

To get access to MCO Visa Platinum cards, each customer needs to
stake MCO Tokens in the Crypto.com App for 6 months.
Staked amount, card transaction fees and % back are highlighted
below:

Obsidian Black Frosted Rose Gold Jade Green Ruby Steel Midnight Blue
Icy White Royal Indigo

50,000 5,000 500 50 0

MCO STAKE MCO STAKE MCO STAKE MCO STAKE MCO STAKE

On-going staking benefits

% Back in MCO 5% 4% 3% 2% 1%

100% 100% 100% 100% -

100% 100% 100% - -

100% 100% - - -

10% 10% - - -

10% - - - -

Crypto.com - - -
Private

Basic benefits

REWARDS 2% 1.75% 1.5% 1% 1%

ATM No fee to No fee to No fee to No fee to No fee to

WITHDRAWAL $1,000 USD $1,000 USD $800 USD $400 USD $200 USD
FEES 2% above 2% above 2% above 2% above 2% above

FOREIGN Free No fee to No fee to No fee to No fee to

EXCHANGE (unlimited) $10,000 USD $10,000 USD $4,000 USD $2,000 USD
FEES 0.5% above 0.5% above 0.5% above 0.5% above

AIRPORT Lounge access Lounge access

LOUNGE + + Lounge access - -
(LOUNGEKEYTM)* 1 guest 1 guest

* Eligible customers will be able to enjoy unlimited access to

over 900 premium lounges in over 450 cities worldwide
** cf. Cypto.com Private section for more details
 Crypto.com 16

Differentiation
Metal card with no annual fee. Powered by Crypto.
Benefits that challenge the world’s best credit cards.
Beautiful, simple, secure app that covers all your crypto needs.

MCO Token Utility

MCO Tokens are able to be used and/or earned in connection with this
product by eligible persons in the following key ways:

Enables customers to order metal MCO Visa Cards by staking

MCO Tokens

Customer receives up to 5% back on all spending in MCO Token

each time they transact with their MCO Visa Card

Enables customers to upgrade reserved MCO Visa Card to a higher

tier before their card ships by staking more MCO Tokens

MCO Stake Rewards: Receive MCO at 6% p.a. for 500 and 8% p.a.
for 5,000 and 50,000 tiers while these MCO are staked for cards

Obsidian Black Card Numerus Clausus Increase

The Limited Edition MCO Obsidian Black Card will be issued to the first
999 customers of the MCO Token Sale. Each of the cards has a unique
number engraved from 001 to 999 accompanied by the words “Founding
Member”. The priority of the numbers is set according to the following
rules:

001-499 – assigned to the top Token Sale contributors

500-999 – a
 ssigned to the fastest Token Sale contributors, based on
timestamp of their contribution

Upon receiving the MCO Obsidian Black Card, the Founding Members are
eligible for card-associated benefits, including % back, Airport Lounge
access plus one guest, and the best transaction FX/ withdrawal limits.
The Founding Members can stake their preferred amount of MCO Tokens
(i.e., 50/500/5,000/50,000) to enjoy other services & benefits including
(5,000/50,000) for Crypto.com Private.

Due to the strong demand and long waiting list for the Obsidian Black Card,
Crypto.com has decided to increase the number of Obsidian Black cards by 99.
 Crypto.com 17

These new cards will be distributed based on a first-staked, first-served

basis.

Note For the 99 new Obsidian Black card-holders, continuous staking of

50,000 MCO Tokens is required for the activation of other services/benefits.

6.2 Crypto.com App

Customer pain points/needs

It is currently challenging for customers to buy and manage
cryptocurrency on their mobile in a secure and convenient way,
and to be able to track prices/movements of their assets

It is also challenging to spend cryptocurrency in the real world and

be able to secure and manage spending through a mobile app
 Crypto.com 18

Value proposition
Crypto.com provides a secure, convenient and elegantly designed wallet
app for customers to:

Buy/sell cryptocurrency

Send/receive cryptocurrency

Track cryptocurrency prices and set alerts

Wallet App currently supports 50+ cryptocurrencies including BTC, ETH,

XRP, LTC, MCO, CRO and BNB. More tokens will be added in the future.

Users have the option to deposit up to $1,000,000 USD per day through
bank transfer, avoiding currency exchange and credit card fees on their
crypto purchase. Over 20+ fiat currencies are supported, including USD,
EUR, GBP, JPY.

Furthermore, the Wallet App enables customers to manage their MCO

Visa Card (once released) and enable spending of their cryptocurrency in
the online and offline world at more than 50 million merchants:

Convert cryptocurrency into Fiat (USD, EUR, GBP, SGD, HKD, JPY,
AUD) - ready for spending

Enable withdrawal, freeze/unfreeze card

Upgrade card tier

Pricing
Best Order Execution: Crypto.com’s proprietary Vortex Trading Engine
pools liquidity from major exchanges globally and routes orders to
them to ensure the Best Execution Price. Coupled with our increasing
coverage of fiat top-up channels and very convenient app interface,
this makes Crypto.com App the best place to buy crypto.

Differentiation
Best-in-class designed app with smooth and easy user experience;
attractive transaction pricing, connected to the card for instant access
and spending.
 Crypto.com 19

MCO Token Utility

MCO Tokens are able to be used and/or earned in connection with this
product by eligible persons in the following key ways:

Receive token airdrops for selected token listings on the Crypto.com

App based on MCO Token staked in app

Receive higher staking rewards for selected tokens based MCO

Token staked in app

Vote for your preferred token to be added to the Crypto.com App

using MCO Token COMING SOON

6.3 Crypto Invest

Customer pain points/needs
It is difficult for customers to know which cryptocurrency to buy,
hold, or sell

It is complex for customers to build and maintain a diverse

exposure to cryptocurrency
 Crypto.com 20

Value proposition
(Exclusive to Crypto.com Private Members) Crypto.com provides a
simple way to set up a cryptocurrency portfolio to participate in the future
of money:

Get access to quant trading strategies to build a diversified and
individually traded portfolio based on your personal preferences

Start contributing with as little as $20 USD

Exit anytime without penalty

Pricing
Crypto.com does not charge any management, exit or entry fees for
customers to participate in Crypto Invest

Crypto.com only charges a success-based fee on generated profit

if the portfolio is over-performing vs initial portfolio Net Asset Value
(NAV)
 Crypto.com 21

Differentiation
Access to advanced quant trading strategies, simplicity of use, no fees
other than success fee, withdraw any time without penalties.

MCO Token Utility

MCO Tokens are able to be used and/or earned in connection with this
product by eligible persons in the following key ways:

 eceive a 50% discount on all fees for Crypto Invest if you stake
R
MCO Tokens

Crypto Invest may include an allocation of MCO Tokens to your

portfolio

6.4 Crypto Credit

Customer pain points/needs
Customer are sometimes expecting long
term value appreciation of the tokens they
hold, and will want to get value out of those
tokens without converting them to fiat
 Crypto.com 22

Value proposition
Crypto Credit allows users instant access to cash without the need to
sell their cryptocurrency holdings.

Crypto Credit is a lending platform that allows users to leverage their

blockchain assets to secure a loan.

Through the Crypto.com App, users can obtain credit using their
cryptocurrency holdings as collateral.

This credit can then subsequently be spent with MCO Visa Cards. It can
also be used to purchase other cryptocurrencies on the Crypto.com App.
Different cryptocurrencies will have different levels of collateral required.

If the price of the collateral decreases to a certain level, a margin call will
be triggered and sent to the customer, who will have the option to top
up their collateral or repay the credit.

Inversely, if the price of the collateral increases to a certain level, the

customer will be offered the option to enjoy a higher credit.

Crypto.com will use its balance sheet to fund the credit.

Pricing
Crypto.com will charge very competitive interest rates, only on the
utilized credit

Supported collateral currencies include BTC, ETH, LTC XRP, MCO,

CRO. Supported loan currencies include PAX and TUSD. Loans
in more assets will be made available over time. Please visit
Crypto.com official communication channels for updates.

BTC MCO ETH XRP CRO LTC

Term
Collateral Collateral Collateral Collateral Collateral Collateral

With 500 or More 8% p.a. 8% p.a. 8% p.a. 8% p.a. 8% p.a. 8% p.a.

MCO Stake

With 50 or Less 12% p.a. 12% p.a. 12% p.a. 12% p.a. 12% p.a. 12% p.a.
MCO Stake
 Crypto.com 23

Differentiation
Unique value proposition combining an innovative and price competitive
credit product and the MCO Visa Card enabling real world usage

MCO Token Utility

MCO Tokens are able to be used and/or earned in connection with this
product by eligible persons in the following key ways:

Lower interest rate (APR) when staking 500 MCO or more

Get credit if you use MCO Token as collateral

6.5 Crypto Earn

Customer pain points/
needs
Customers who hold crypto want
to capitalize on their holdings while
retaining ownership.

Value proposition
Crypto Earn gives users the freedom
to grow their crypto assets and earn
interest up to 18% p.a.
 Crypto.com 24

Pricing

With 500 or More MCO Stake 3 months 1 months Flexible

Supported Coins 8% p.a. 6% p.a. 4% p.a.

Supported Stablecoins 12% p.a. 10% p.a. 8% p.a.

CRO 18% p.a. 16% p.a. 14% p.a.

With 50 or Less MCO Stake 3 months 1 months Flexible

Supported Coins 6% p.a. 4% p.a. 2% p.a.

Supported Stablecoins 10% p.a. 8% p.a. 6% p.a.

CRO 16% p.a. 14% p.a. 12% p.a.

Bonus: Users that stake 5000 MCO or more earn an additional 2% p.a.
on fixed term deposits paid in MCO (not applicable to MCO or CRO
deposits)

Supported deposit tokens include BTC, ETH, LTC, XRP, BNB, MCO, CRO,
LINK, MKR, BAT, PAX, TUSD, DAI USDC, USDT and more assets will be
added regularly. Please check the Crypto.com App for latest rates.

Differentiation
Through the Crypto.com App, users can deposit into Crypto Earn and:

Start accruing interest daily;

Withdraw with no fees, and

Spend what they earn

 Crypto.com 25

MCO Token Utility

MCO Tokens are able to be used and/or earned in connection with this
product by eligible persons in the following key ways:

Receive best interest rate (APR) with MCO staked

Get better annual interest rate (APR) of up to 18% p.a. with MCO
tokens staked

7. Services & Benefits

Eligibility To benefit from Crypto.com Private services, customers are
required to have the appropriate amount of MCO Token in continuous
staking.

To benefit from Crypto Airdrops, customers are required to hold MCO

Tokens in their MCO Wallet App to be eligible.

All services & benefits described in this section are forward-looking only
(i.e., in effect on and after the date of activation), unless stated otherwise.
 Crypto.com 26

7.1 Crypto.com Private

Crypto.com Private is a set of crypto-related services and support for
users with 5,000 or more MCO staked, which includes:

Exclusive access to Crypto Invest (effective 1 March 2020)

OTC block trades of MCO and CRO

Research: Priority access to Crypto.com’s self-published research

reports

Inheritance Service: Assistance with estate handling related to

Crypto.com assets

Access to top industry events (With priority access for Obsidian

Black cardholders)

Priority customer service

7.2 BG50 (Both Get $50) Referral

Program
In our latest referral program, Both Get $50 - both referrers and their
friends receive a $50 USD bonus (in MCO) with each successful sign-up
and valid transaction (user staking at least 50 MCO - a metal MCO Visa
Card Reservation).
 Crypto.com 27

The BG50 referral program packs these key features:

No Referral Limits - You can refer as many friends as possible;

you and your friends will each get $50 USD in MCO equivalent after they
complete their first valid transaction.

Anyone Can Participate - Available for all eligible Crypto.com App

users.

Bonus Credited Instantly - Your friends can use their sign-up bonus
immediately after they make a valid transaction on the App.

Notes:
We will continue to honor the referral commission for all your referrals prior
to the launch of the BG50 referral program. For new and future referrals
(effective 15 July 2019 at 8:00am UTC), you will get $50 USD (in MCO) when
your referrals complete their valid transaction in lieu of referral commission.

Limited time offer. Crypto.com reserves the right to change the terms or
cancel the BG50 referral program at its discretion.

7.3 Crypto Airdrops

Customers holding MCO Tokens in the Crypto.com App are eligible for
receiving ad-hoc token airdrops for selected token listings in the Wallet
App.

The airdrop amount each customer receives will be proportional to the

MCO Token staked in-app.
 Crypto.com 28

8. Management Team

Kris Marszalek | Co-Founder & CEO Gary Or | Co-Founder & CTO

Serial Entrepreneur in Southeast Asia Internet industry. Hacker, Product Designer, Entrepreneur, 10 years of full
Three-times founder in tech space (e-commerce, stack engineering experience (RoR, Elixir, Golang). Keen
Mobile LBS App, Consumer electronics) interest in Machine Learning and AI.

Rafael Melo, CPA | Co-Founder & CFO

Sean Rach | CMO
15 years’ experience in finance, deep understanding of
Former CMO at Prudential Corporation Asia. Led the
risk, compliance and Mobile Payments ecosystem in
regional American Express account and served as
Asia. CFO at Mobile Payment Solution, a MasterCard
Managing Director of OgilvyOne Hong Kong.
incubated technology company.

Bobby Bao | Co-Founder & Head of Eric Anziani | COO

Corporate Development Director of Strategy at Global Fashion Group. Previously
Extensive experience in Technology investment banking; at PayPal, McKinsey and Goldman Sachs in London,
named on 2018 Forbes’ 30 under 30 List He was China Paris, Singapore and Tokyo.
Renaissance’s first employee on the M&A team, working on
some of the most high profile transactions, including the
merger between Didi & Kuaidi.
 Crypto.com 29

Erald Ghoos | CCO

COO at Payreto. COO at Funding Circle. Global VP Jason Lau | CISO
Operations at Paysafe. Senior operations at BNP Paribas.
Former regional Cyber Security Advisor at Microsoft.
Certifications such as CISSP, CIPP/E, CIPM, CGEIT, CRISC,
CISA, CISM, CEH, CDNA, CSM, ITIL as well as contributing
Brent Diehl | SVP, International Expansion to on ISACA’s General Data Protection Regulation (GDPR)
Former Head, Prepaid Partner Solutions at Visa. Senior Global Working Group, and an IAPP Fellow of Information
Director at Western Union International Payments. Privacy (FIP)
Responsible for card portfolios outside of the United
States at Home Depot. Cerulean Hu | SVP, Blockchain Engineering

Lead Engineer at Equichain, Team Lead - Finance and

Maggie Ng | SVP, Head of Marketing Trading Systems at ANX, implemented blockchain
Head of Direct Marketing and Direct to Consumer solutions at FINCOVA, and was responsible for
for FWD Insurance and Director of Digital Media for developing trading algorithms at HSBC.
Prudential Corporation Asia.

Ivan Stefanov | SVP, Risk Management

Weiyi Zhang, Ph.D. | Platform Architect
Senior risk management roles with Paysafe, Groupon,
Senior VP, Quantitative Trading at AP Capital Skrill and NETELLER, managing large teams across
Management. VP of Electronic Market Making at JP multiple markets and enhancing the existing fraud
Morgan, Quant Strategist of Equity Derivative Trading at prevention and payments setup.
Deutsche Bank.

Mariana Gospodinova | General Manager, Europe

Matthew Chan | CIO
Previously COO of Binance Europe, she headed the
Award-winning CTO/COO at Argent, a global enterprise
operations in Malta and looked after the successful
leader in monitoring, cybersecurity & compliance
launch of the crypto to fiat exchange and other local
products. CTO at Striker Capital, multi-strategy asset
initiatives. Mariana has solid experience in the payment
management
industry in Europe, with leadership roles in operations at
companies including Paysafe and SysPay.
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9. Roadmap

Note 1
This roadmap is indicative of our future plan. The implementation of our initiatives may be subject
to factors that are beyond our control; in such case, there may be changes or delay to the delivery
timeline.

Note 2
The MCO Visa Card will not be available in the entire regions of Asia, Europe and the US. We will
announce the specific markets in due course.
 Crypto.com 31

10. MCO Token

10.1 MCO Token Information

Token Symbol MCO

Token Contract Address 0xb63b606ac810a52cca15e44bb630fd42d8d1d83d

Token Decimals 8

Token Total Supply 31,587,682.36 Tokens

Regarding the Token Total supply, the maximum supply of MCO tokens is
permanently limited to those issued during the ICO. No additional tokens will ever
be created.
10.2 Token Utility
MCO Token Utility has been enhanced since its launch.
MCO Tokens are able to be used and/or earned in connection with this product by eligible persons in the following key ways:
 Crypto.com 33

11. Further information

Crypto.com and MCO Token Information Discussion

www.crypto.com

blog.crypto.com

www.twitter.com/cryptocom

www.t.me/CryptoComOfficial

www.t.me/CryptoComOfficialAnnouncements

www.t.me/CryptoCom_Korea

www.reddit.com/r/Crypto_com

www.facebook.com/CryptoComOfficial

www.linkedin.com/company/cryptocom

www.instagram.com/cryptocomofficial

www.discord.gg/nsp9JTC
 Crypto.com 34

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