AUTOUNIT

White Paper
2018
CONTENT
Glossary. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3

PLATFORM. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Problems. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 6
Solution. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7
Technical stack . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 11

MARKET. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 15

Overview of the cashback services market .............................................................. 15

SWOT-Analyse. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 21

IAC advantages in the cashback services market. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 22

Overview of the blockchain cashback services market. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 23
IAC advantages in the blockchain cashback services market ................................. 24

ICO . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 25
Tokens and internal currency of the platform. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 25
Token distribution . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .27
Bonuses and bounty. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .27
Funds distribution . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 30

Forecasts.. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 32
Road map. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 34

TEAM. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 35
GLOSSARY
Affiliate — a client of IAC’s partner..

Affiliate programs — a form of business cooperation between the affiliates and

part-ners in selling products or providing services on IAC platform.. The program
allows partners to reduce the cost of attracting the final buyer.

Autobonus — a mobile application for companies that have concluded a

partnership agreement with IAC and for their customers.. Application is a
convenient and effective tool for attracting new and retaining loyal customers..

AutoToken — a token that is an AutoUnit purchase discount.. It is the equivalent of $1..

AutoUnit — a blockchain-certificate for purchasing goods and services placed on

the IAC platform and offered by partner enterprises. The certificate provides all mu-
tual settlements between IAC and goods and services suppliers as directed by the
us-ers. The certificate will be equivalent to $0,1 at the time of blockchain launching.

Cashback service — a partial refund for purchases as a designation for a variety

of bo-nus program to attract customers and increase their loyalty..

Corporate University — a system of internal training and mentoring operating

under/ in the IAC corporate ideology.. Specially designed unique programs serve
to educate all project participants..

IAC client — user, partner or other person who intends to use the platform functionality.

International Auto Club (IAC) — an automated platform bringing together the best
features of payment systems, cashback services and partnership programs.

Participant — a person using the functional of the IAC platform (user, partner,
VIP-partner, business owner or other person directly related to the corporation).

Partner — a user who has paid an entrance fee (one-time, once-only)

contribution of $100. The partner gets access to all the platform privileges,
increased cashback, opportunity to participate in the affiliate program.

Partnership program — a form of business cooperation between the company and

partners in selling products or providing services.. It allows partners to reduce the cost of
attracting the final buyer. The partnership program regulates payments for certain
actions.. Access to it can be obtained in your personal account on the IAC website..

Platform — a website and a mobile application of IAC corporation.. The platform

is currently involved in the work of the following elements: discount system, payment
system, training block, account with partner program, all internal IAC projects.

Privileges — discounts, cashback, exclusive terms, training, support,

earning/income opportunities..

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Referral — a client who was invited to IAC platform with a referral link..

Referrer — an IAC’s user or partner who shares the referral link..

Status — a level of access to the opportunities and privileges of the IAC platform..

Increase status — an access to additional opportunities and privileges of the IAC

plat-form.. You can enhance the status at any stage by paying a fee..

Supplier — IAC’s partner or an enterprise that offers products and services on

IAC’s platform

The Academy of Beauty and Health — an internal IAC project that allows users to
pur-chase products for beauty and health.. The project provides the highest internal
cash-back percentage in the IAC..

User — a starting status of the user who gets free registration on the IAC website..
Us-ers have reduced-rate access to platform privileges as well as a referral link
where new members can be registered..

VIP-Club. Investments. Property — a crowdfunding platform for joint investment

in a “built-up” or “under construction” real estate. It implemented on the basis of
con-sumer cooperation.. An effective way of investing in the Russian Federation
and coast-al areas real estate (Sochi, Crimea).

The Cashback distribution system — the IAC distribution system for the
cashback go to the platform.. The size of the cashback interest to each participant
depends on size of the cashback discount set by the partner enterprise and on the
participant's status (user, partner, VIP partner). Specific levels and percentages of
distribution are indicat-ed in the personal account on the IAC website..

The IAC Corporation — a joint group of legal entities/persons who are

members/be-longing to the IAC..

VIP Partner — a partner who paid an additional entrance fee (one-time,once-only)

contribution of $800. VIP Partner gets access to the max level of platform
privileges, increased cashback, exclusive training and support programs, additional
investment opportunities, opportunity to participate in the VIP partner program.

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 PLATFORM

IAC is an automated platform bringing together the best features of

payment systems, cashback services and partnership programs.

In 2014, a small group of like-minded people set an am- proven its effectiveness. In fact, the first stage of com-
bitious goal to make the life of consumers better and eas- pany development has passed.. IAC is not a start-up and
ier by providing them with the best quality goods and it’s ready to develop business in other countries..
services at wholesale prices.. The company is based on
the idea of uniting people to jointly solve issues relat-ed The corporation transfers all internal payments to the
to saving the family budget. As a result, the new cor- blockchain using its own AutoUnit cryptocurrency.. This is
poration was established as International Auto Club.. The a system of mutual settlements that allows to in-crease
website was launched. the level of transparency and financial security-
of all registered users, to avoid system centralization
www..auto-club..biz and users dependency on the corporation, to
accelerate development and to increase the turnover
It gradually began to be filled with suppliers providing- of enterpris-es that joined the platform..
privileges and users who use these privileges.. Over three
years, more than 70,000 partners have rallied around this
idea. Over 600,000 users and over 12,000 enterprises-
have become IAC partners and agreed to provide disco- unts
and special offers for participants. For ease of use, a mobile
application was developed and launched. For
the convenience of users, a payment system was launched.

The multi-level affiliate program demonstrated a par-

ticularly effective development, which made it possi-ble
to develop the platform with a minimum advertising
budget in 250 cities of Russia and CIS countries..

New technological trends require new approaches to busi­

ness development, especially with regard to the platform
as a payment system. For 3 years, our technology has

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PROBLEMS

1 A consumer wants to save money while business wants to make it. In this case, the con-
sumer and business interests are in opposition to each other.. The consumers strive for
purchasing goods at profitable prices (to pay less), but businesses strive to increase prof-
its, reduce costs and to gain a competitive edge. The existing cashback services and joint
purchase services partially solve this problem.. But they offer only a compromise be-
tween the consumer wishes and the business interests, although modern technologies
allow both sides to give much more than just discounts and new customers..

2 At the moment, there is no cashback service among the market leaders, which would
give an opportunity not only to save money on purchases, but also to earn on a multi-lev-
el referral system.. The number of the system participants is not in direct correlation
with the capabilities and benefits of the participants themselves. The number of users
is always directly related only to the benefits of the service itself, not its customers.

3 Most of the existing cashback services focus on the online stores. It limits users
and the offline business in obtaining the benefits.

4 Currently, many partner programs are associated with the network business. MLM-com-
panies have compromised themselves by unscrupulous typical behavior in this market:
the use of aggressive marketing, intrusive advertising, the supply of poor-quality and
non-certified goods. At the same time, some reasonable methods and effective pro-
motion mechanisms successfully working in MLM companies have been discredited..
As a result, consumers abandoned really profitable offers, and enterprising people ig-
nored the opportunity to earn on partner and referral programs..

5 Low level of client orientation.. Cashback services are essentially intermediaries between
business and customers.. Such services do not take into account the interests of both
parties and they give preference to a business with a larger cashback percentage..

6 Discount systems, cashback services, coupon services work in a well-defined segment,

but it is inconvenient for the user.. There are no services combining the possibilities
of obtaining discounts and cashback, a payment system with the ability to pay in the
cryptocurrency and with the option of obtaining passive income..

7 A business that wants to satisfy the demand for cashback from customers, instead of bo-
nus and loyalty programs, lacks effective tools providing this demand and attracting
new customers..

8 High marketing costs force the business to inflate prices for goods and services. The num-
ber of intermediaries involved in each sale makes prices even less affordable.. Modern
technologies that attract new customers with minimal costs are used rarely and inef-
ficiently. Despite the development of the digital economy, the technological capabili-
ties are not used..

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SOLUTION

What is International Auto Club?

International Auto Club (IAC) is an automated platform bringing together the best
features of payment systems, cashback services and partnership programs. At the
mo-ment platform already allows solving many of the problems.. The blockchain
technol-ogy will allow the platform to be brought to a new level, to meet new
challenges and make the existing solution even more effective.

What is IAC?
One of the largest cashback services in Russia:

More than 12,000 organizations provide discounts to platform users;

Cashback in 12,000+ offline stores in Russia and CIS countries;

Cashback in 700+ online stores;

Best offers on cellular services, insurance, tourism and legal services;

The only cashback service with its own payment system..

Payment system:

Payments for all kinds of merchandise and services via an internal digital wallet;

Rewards for participation in our projects: Corporate University, Beauty Academy and Real
Estate Purchase Crowdfunding Platform;

Rewards for participation in partners programs and status upgrades;

Issuing of co-brand cards in collaboration with Alfa-Bank..

Unique affiliate program

Ability to earn on connecting referrals and receive a percentage of their purchases;

Opportunity to attract commercial enterprises and earn interest from their turnover;

Turn key business model, which does not require significant financial investments;

The advantage of the partnership and affiliate programs that work as a multilevel
recommendation system includes 9 levels of accruals allocation..

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 How it works

For consumers: For businesses:

1 Consumer registers free-of-charge in the system and gets 1 An enterprise registers free of charge on the IAC
platform and has access to an ever-growing base
access to all valid discounts, promotions and offers.
of loyal participants..
2 opportunity
After registration, the customer has the
to send a referral link to friends.. After registration, the business offer (goods and
Friends will also be able to make profitable 2
services) is placed in a discount system. The per-
purchases if register via that referral link..
centage cashback paid by the business to the IAC
3 The consumer receives percentage cashback of
all purchases carried out by referrals and also to
platform is determined by the agreement..

those to whom they submitted their referral link.. The enterprises install the Autobonus program..
3
4 The consumer has the opportunity to withdraw
the accumulated internal funds in fiat money in
It identifies and maintains a record of participants
purchases..
any convenient way..
The enterprise makes the payment in the cash-
4
5 You can pay more than 20 000 kinds of goods and back amount of all participants purchases speci-
fied in the contract.
services (state duty, credits, cellular service, TV,
In-ternet, fines, withdrawal to plastic cards, to the
ac-count of any bank, etc.), pay for internal
projects and upgrade the status within the system The business employee has an opportunity to reg-
5
using internal currency.. ister new participants. At the same time, all new

participants will be registered according to the busi-

6 You can recharge your internal account in any con- ness level in referral system.. The business will
venient way by simply clicking the button in your get a part of the percentage cashback according
ac-count: from card to card, through the card
acquiring to the settlement account, through the to the distribution cashback system when partici-
cryptocur-rency transfer to the company's wallet.. pants make purchases..

6 The business is given an opportunity to use paid

services with a significant discount:
• advertising, internet marketing, SMM;
• placement on the platform resources in the sec-
tion of special offers (banners, recommendation);
• participation in IAC projects;
• creation of websites and mobile applications..

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Platform capabilities
for consumers and businesses

Consumer: Бизнес:

Opportunity not only to acquire a wide variety New active customers from around the world
of goods and services on profitable terms but in exchange for a reasonable discount;
also to earn on a referral program;
Free application; Autobonus (mobile loyalty pro-
Upgrade your system status to the level of Partner gram, monetization of its customers);
or VIP Partner and thereby significantly increase
the amount of funds received; Free placement of products and offers on the
site (45,000 users per month);
Access to partner programs in accordance
with the status; Free placement of offers in a mobile
application (1,000 downloads per month);
Payment for goods and services by internal
funds at profitable tariffs. Business connected to the system can register- us-
ers on the referral link and get a cashback part from
their purchases and purchases of their friends
to the 9th level of recommendations, even if
they go to a competitor;

Ready-made system of management and

motiva-tion of its employees;

Process large wholesale orders;

Save on advertising..

Thus, the above-described problems of the industry- are their own IAC projects. Business including offline stores
being solved. The best compromise between the needs of can increase customer flow, access to a huge client base
the consumer and the business is achieved.. In -addition and also earn an income from the referral program..
to mutual benefits, both sides obtain more -opportunities. Block-chain provides additional transparency and security
Users can participate in the partnership program and and also allows to list AutoUnit on the stock exchange.

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Based on blockchain technologies

The use of blockchain technologies is one of the most

important conditions for the further successful develop-
ment of the platform in the new technological paradigm..

Server decentralization keeps Absence of any server syn- Easy and convenient conver-
all the data safe even in cases chronization difficulties while sion in any currency and in
if one of the server fails.. using a centralized solution.. any country of the world..

AutoUnit will be listed on the stock exchange. An independent digital system..

Resistant to unauthorized ac- Security from the legal point

cess or infiltration by comput- means even if the initiating le-
er hackers.. Since the system gal entity disappears the sys-
is decentralized, none hack-er tem will continue its existence,
is able to cause any damage and users will not lose their
to the system even if a server funds. The funds on a decentra ­

gets hacked.. lized system cannot be arrested..

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