Blockchain: Student Coin is a Payment System

WHAT IS STUDENT COIN?

Last year in the UK there were over 2.28 million students studying in higher education, this is a market which could have significant impact over pricing, companies actions and how students are treated. Currently the student community is de-centralised, they do not have the influence to make major change. With high living costs and relatively small amounts of capital this limits the financial options to students.

But as a centralised group we can bring about real change, pushing for better prices, offers and financial opportunities which would otherwise be inaccessible.

Student Coin empowers individuals through both financial and non-financial values.

Using the Seratio Platform for our systems, we will offer discounts that apply automatically to everyday shopping and exclusive discounts. Every transaction you make, you will get a micro-share in the company, with every transaction being a vote.

In the future we want to offer financial services such as mini-loans, investments schemes and loans to start up your own company.

This will all be done via a mobile app which is easy to use and will continue to adapt, to meet the needs of the students, to stay relevant.

From the perspective of a parent Student Coin can be used to better allocate money, to make it go further compared to traditional methods and to create a better way of transacting money.

The student zone will be all about getting people’s opinions and concerns heard. This is done to a certain degree on a university by university basis by their university student union. But even on this local level the concerns and demands of these students to not go very far and in most cases do not.

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Engaging the community on Foundation matters, Microshare allow the Foundation/Community toperform like a mutual, giving community supporters a voice, a vote or as a governance method forcertain aspects of operational consideration or strategic direction ratification.
Foundation to be eligible to cast a vote on matters akin to an Annual General Meeting. For example,
to appoint or remove Trustees, to govern or vote on strategic direction, to operate like a Mutual
Society where members have real input into how the Foundation operates and agree on what the
priority issues are.
Allowing some autonomy to the community group creates passion and enthusiasm for the mission.
To be eligible to vote, the holding of Microshares would be a foundational criteria. However, for
certain issues, to demonstrate an even higher level of alignment/commitment, the Foundation may
decide a small exchange of Microshares is also required for vote eligibility.

STUDENT NETWORK

This feature will allow students to not only connect with key members in the student market, but with other student run societies and clubs giving these societies much more of a reach and an impact which is no longer limited to one university. If students want to setup and run a society then why should it be limited to one university, being able to link together these will allow students to have more of a choice and to further increase their reach. It can be used for both academic and social events, ranging from academic lectures, investment events and student only festivals. This tool can also be used from the perspective of a business. They will be able to view student profiles that match what they are looking for and offer them placements and job offers. Students will be able to create their own “Student Profile” which they will be able to choose which industries interest them. Student Coin will then make sure that their profiles reach the right businesses, and the businesses adverts are seen by the right people.

The DAF Model

DAF technical support will be provided through Seratio Environment 7 - multi-tier Blockchain

blockchain system. The system brings together:

a) blockchain platform with embedded e-wallet - Seratio Wallet

b) adjunct component components: Provenance Engine, Seratio AI Wallet, Retailer's Portal and Rewarding Body Portal.Future services include but are not limited to Mapping,Forecasting, Modeling, Visualization, Reporting Engines. Central to the Seratio Blockchain Environment is S / E based API - Seratio API (SAPI).

Schedule

The Student Coin Initial Coin Offering is planned to operate within the following timeline:

The DAF will release it 's tokens eveny through the 2030, in line with the United Nations

Sustainability Development Goals (SDG).

9 The purchase of SER Tokens and Microshares are further subject to the Terms and Conditions available at

www.seratio-cons.world. Nothing in this whitepaper constitutes advice. You are recommended to seek

independent financial advice. Buying, selling and holding digital assets or cryptocurrency is never without risk.

The market itself can go up as well, and digital assets you pick can perform badly. If you are going

to digital purchase assets it is important to research each proposition to see if it is suitable for you. Make sure

you do not purchase more than you can afford to lose. You can also consider purchasing in a number of

unrelated digital assets in order to spread your risk. The value of digital assets in the market can go down

well as up. This Private Placement is governed by the law of England and Wales, and is subject to the exclusive

jurisdiction of the England and Wales.

Distribution Token

The Student Coin is part of the Seratio Branded Coins. The Student Coin and Student Coin Microshares are compliant with ERC20 Token Standard and are developed utilising latest developments in the sector. The Development Team is pioneering the ERC827 standard for added security and user comfort. The codes have been subjected to a full rigorous security audit by UK professionals Sandblocks Consulting experienced in blockchains, nuclear and railways industries.

The Student Coin Team is planning to raise GBP£ 5 million (soft-caped), releasing 40 million Student Coins in total.

The proposed structure of the token distribution10 is the following:

25% - 10 million tokens - ICO (incl. Pre-ICO)
25% - 10 million tokens - Student Coin Stakeholders (held until 1st May 2019)
50% - 20 million tokens – Student Coin Foundation (held and released through DAF)

Student Coin will be minted to the SER Wallets on 1 st December 2018. With the exception of the tokens issued to the Student Coin Stakeholders and to the Student Coin Foundation, each of which are subject to further hold periods, all other tokens become freely tradable after 1 st December 2018.

Once the initial token distribution is complete and depending on the community demand, the Student Coin Team may consider another token generating round for the international roll out.

Private Placement

UK£ 2 million soft cap target at 55% discount

SER INCENTIVE AND TOKEN SWAP MECHANISM

An incentive package has been implemented to reward those who have received SER tokens either through the Seratio ICO or through subsequent purchasing after minting.

UK£ 1.00 Investor at Student Coin Private Placement also receives 1 SER token which they do not need to surrender
UK£ 1.00 Investor at Student Coin Private Placement also receives 1 MCR-Student Coin token
Each MCR-Student Coin will enable a token swap with a UK£ 1 Student Coin at 55% discount (ie £0.45p)
Investor at Private Placement is allowed to utilise his/her pre-existing SER tokens to invest in the Student Coin (Pre-ICO/ICO), but only to a maximum of 4 SER (ie 1 new SER from PP and 3 pre-existing SER tokens). This is conditional on taking part in the Student Coin Private Placement.
SER investment at Pre-ICO/ICO will not have any discount
SER will not be accepted for the Private Placement, only BTC, ETH or FIAT.
The value of the SER will be determined before the start of the Pre-ICO.

Example Return on Investment (RoI)

Based on purchasing SER at £ 0.20p, and valued at UK £ 1 at Pre-ICO / ICO, giving a return of UK £ 6.22p

for a UK £ 1.6 investment. This is equivalent to x 3.9 RoI for those who already have SER tokens, based on SER rise to UK 1 due it's usage to invest in Seratio Alt-Coins.

For those who do not have SER tokens already, this incentive package is equivalent to x 3.2 RoI. For those who do not wish to trade their received tokens at Private Placement the RoI are x 2.2, allowing them to use SER at a later date.

Core Student Team and ICO Advisors