QUARTZ

## About Sandclock
Sandclock is a multichain DeFi platform with the objective of creating ultra programmable money by leveraging cutting-edge yield generating strategies. By splitting principal from yield and allowing users to subdivide either of them to create their own strategies, Sandclock unlocks the programmability of capital. The design space is infinite: from investments into DCA vaults, corporate CSR management, zero-loss donations/investments/subscription services, to setting up DAOs that provide exit liquidity to NFT floor undercutters.

Sandclock team is focussed to onboard the next 50 million non-crypto users to web3, and they have put tremendous amount of time and effort into being compliant, seeking licenses (SOC 1/SOC 2 type II, FINRA, FinCen, CPO, etc), redesigning the crypto UX/UI from scratch, doing key management the right way, baking insurance into their products, and many other unique features.

## About $QUARTZ
$QUARTZ is Sandclock’s ecosystem governance token. It can be used to propose and vote on
proposals made on the DAO. The $QUARTZ governance token will control the following aspects of the project:

* Treasury Management: $QUARTZ holders will decide how to allocate the fees collected by the
protocol. 

* Partnerships: $QUARTZ holders will be able to suggest partnerships with other protocols and organizations.

* Pools & Parameters: $QUARTZ holders will propose and modify new or existing parameters for the protocol’s pools.

However, that’s not all. Gas costs have priced out most users of on-chain governance, leading to decreased participation. To mitigate that, and stay true to our blockchain-agnostic stance, Sandclock’s  DAO will reside on Polygon.


## What makes Sandclock Unique ?

To better illustrates the uniqueness of Sandclock, here are a few case studies to illustrate the core functionalities of the project.

Watch Sandclock's Pitch Video [link](https://www.youtube.com/watch?v=K0fXippL2ZQ)

### Case Study I - Endowment: 
*Alice creates an endowment on Sandclock such that when her deposit generates yield, a portion of the yield goes to an account created for her mother. Based on the duration and size of the deposit, every month, Alice’s mom will receive funds with the option to reinvest it or push the funds to her prepaid spend card for grocery shopping. These cards will be issued by Sandclock.*


### Case Study II - Investment and Charity Support:
*John is a graphic designer and makes enough to make ends meet. John is interested in growing his wealth but also cares to support a local food bank. Jon will deposit his funds at Sandclock and will design his portfolio such that all of his principal auto-compounds for 5 years, and 50% of the yield generated is used to dollar cost average (DCA) into Ethereum, and 50% is donated to his local food bank for the next 5 years. In this scenario, John not only receives the benefits of growing his wealth through high rates of return offered by money markets on the blockchain, but also gets to invest in Ethereum, while feeling content that he is also helping a local not-for-profit.
Furthermore, John will also receive charitable tax receipts as NFTs airdropped to his account. These NFTs can either be traded (like carbon credits) or claimed for actual tax benefits.*


### Case Study III - Preserving NFT Floor Price:
*It is important for NFT community members to see the floor price of their NFTs continue to rise. Unfortunately, there are times that certain members of the community are in need of immediate funds and they undercut the floor price to sell their NFT. The activity associated with ‘floor price undercutting’ lowers the overall value of the NFT and is a major issue that has remained unresolved.*

*Using Sandclock, members of the NFT community can deposit their funds and generate exceptionally high rates of return on their money. They can also create a strategy such that, when a would be floor price undercutter needs liquidity, the yield from the aforementioned community members can be used to purchase the NFT at the floor price, and the new ownership of the NFT can be fractionalized and distributed pro rata to all participants who contributed with liquidity. All of this is achieved programmatically, and the NFT community members will be empowered to enjoy a substantial return on their deposits at Sandclock while preserving the floor price of their NFT.*

### Case Study IV - Solving Cash flow Challenges:
*Women’s Shelter is a not-for-profit organization that provides shelter and support for women and families fleeing domestic violence and other crises. Critical to their operational need is certainty of monthly cash flow so they could continue to deliver care and support for the women they serve. Unfortunately, the certainty of monthly cash flow is a pain that is felt by most not-for-profits.*

*Using Sandclock vaults, donors or the not-for-profits can deposit funds and while the principal is preserved, the yield can be used to serve as a ‘constant’ cash flow to be used for operational uses. This certainty of yield flow, either created by the not-for-profit or a donor (with the option to set it in perpetuity) is a unique offering that will bring tremendous value to global NGOs in need of managing their cash flows. *

### Case Study V - Zero-loss Donations:
*The recent humanitarian crisis in Afghanistan echoed the need for efficient methods in how refugees could be supported globally. Although aid and relief is pursued, the presence of many layers of “middle-men” and corruption makes it extremely hard to get the right aid to the deserving refugee when they need it.*

*In collaboration with UNHCR, when an individual receives their Refugee Card, they can also receive a Sandclock prepaid spend card. When Sandclock platform users allocate a portion of their yield to support Afghan refugees, the funds will directly move to top up refugee prepaid cards so they could have funds to buy necessary provisions for their families. 

This example demonstrates a novel mechanism of zero-loss donation and the Sandclock team recently participated in an event during the United Nations General Assembly to speak on the matter.*

As described previously, the design space to use Sandclock is infinite. While we may offer certain features through our own user interfaces, our smart contract scan be used by developers and engineers to build their own unique innovations.

Trust Wallet

MetaMask

OCP introduces an innovative relayer mechanism that seamlessly connects applications to a modular permissionless custody protocol. OCP operates a protocol that acts akin to a mesh network, enabling an end-user to leverage a diverse set of key management protocols. We call this “Keychain Aggregation”. Building a protocol that solves for Keychain Aggregation not only simplifies the way developers can build, abstracting risk and complexity, but it also harmonizes and aggregates the economics associated with having multiple bilateral commercial relationships.

With OCP, we have a new custody primitive that embraces (1) modularity, in connecting key management solutions, and (2) decentralisation, in the way users can access key generation and transaction signing services. We are particularly excited to pioneer this, witnessing existing security and custody solutions struggle to adapt to the ongoing proliferation of chains. Additionally, with the impending tokenization of Real World Assets (RWAs) - potentially mobilizing over trillions of dollars into the blockchain ecosystem - the demand for versatile and modular solutions is clear and present.

Open Custody Protocol

XPR Network

Future1coin

WOM Protocol

RFOX

Haven Protocol is similar to an offshore bank where users can create private tokens that represent stable and volatile assets, including commodities and fiat currencies (such as USD). The protocol is based on Monero, which focuses on secure, private and untraceable transactions.

As a result, most of the features of Monero extend to the Haven protocol, including the bulletproofs and other privacy tech. The base currency of Haven is the XHV, which is burnt to provide users with private, untraceable, synthetic assets and commodities called xAssets.

The network uses a “mint and burn” process to provide users with untraceable digital assets with standard market pricing and real asset-pegged value storage. Simply, users can burn Haven (XHV) for Haven Dollars (xUSD), which is a synthetic stablecoin.

Haven Protocol

Opacity is a cloud storage provider with one major difference, privacy.

With the rise of digital property, many people have increasingly become concerned with the security and privacy of materials stored with cloud storage companies such as Dropbox, Google, and others. Small businesses, individuals, and enterprises want to keep their data private.

Opacity protects people’s basic rights and provides private cloud storage to anyone through its Opacity token, OPCT. The token can be purchased on a crypto exchange and then used to purchase data storage plans that are completely private, and can only be accessed by the purchaser with the private key.

Unlike other service providers, Opacity does not require personal identification information. Opacity stores no information on its users, and allows people to store private information, such as company secrets, intellectual property, personal photographs, legal documents, and family moments, with assurance that personal data stays personal.

Access to private storage and file sharing enables a new way to protect your important files. Storing and sharing files has limitless potential, covering a wide variety of areas:

Photos

Videos

Music

Banking documents

Legal documents

File sharing with coworkers

Enterprise cold storage

Files can be shared privately or publicly, you decide!

Opacity

OTCBTC Token

Marlin is an open protocol that provides a high-performance programmable network infrastructure for DeFi and Web 3.0. The nodes in the Marlin network, called Metanodes, operate the MarlinVM which provides a virtual router interface for developers to deploy customized overlays and perform edge computations.

Notable overlays that can be built using MarlinVM include:

Low-latency block multicast to scale blockchains

Low-latency mempool sync for arbitrageurs

Mesh networks

Anonymity networks like mixnets

Device optimization and caching responses of API to Infura, Alchemy etc

Its native utility token POND is used for:

Running validator nodes on the network via staking

Making and voting on governance proposals to determine how network resources are allocated

Determining a set of network performance auditors and compensating users from an insurance fund in case of a SLA breach

Marlin aims to deliver on the promise of a decentralized web where applications secured via the blockchain are indistinguishable in terms of performance to users accustomed to Web 2.0.

Marlin

MIR is the governance token of Mirror Protocol, a synthetic assets protocol built by Terraform Labs (TFL) on the Terra blockchain.

Mirror Protocol is decentralized from day 1, with the on-chain treasury and code changes governed by holders of the MIR token. TFL has no intention of keeping or selling MIR tokens, and there are no admin keys or special access privileges granted. The intent for this is to be a completely decentralized, community-driven project.

Mirrored assets are blockchain tokens that behave like "mirror" versions of real-world assets by reflecting the exchange prices on-chain. They give traders the price exposure to real assets while enabling fractional ownership, open access and censorship resistance as any other cryptocurrency. Unlike traditional tokens which serve to represent a real, underlying asset, mAssets are purely synthetic and only capture the price movement of the corresponding asset.

Mirrored assets provide the following advantages:

Global Accessibility: In most markets outside of Europe & North America, access to foreign equities and forex markets is highly limited. Crypto allows global accessibility without entry barriers.

Fractional Orders: In traditional finance, to execute a fractional order, multiple fractional orders are bundled together to execute a unitary transaction. The process of gathering all the orders into one requires additional waiting time. By utilizing the blockchain, orders volume is simply represented as a number on the blockchain, so there is no need for the intermediary bundling process.

Nearly-Instantaneous Order Execution: Oftentimes due to the lack of liquidity (price-time-priority order book algorithm), orders can take up to a day to fully execute. Given the fact that Mirror relies on liquidity provided by each individual asset pool, orders can be executed as fast as the blocktime of the network (~ 6 seconds).

Mirror Protocol

George Connolly is the founder and CEO of OneLedger and a Forbes top 100 executive member and specializes in Systems Integration. George has worked as Private sector System Integration Technology Leader 15+yrs, PwC Technology Leader; Commonwealth Business Council - Government National Strategic Plan Consultant, Global ECM/Digital Transformation Leader.

George has established deep relationships with decision-makers across the Caribbean, and Central America can thrive in closing business and creating opportunities throughout the value chain.

He is known for innovative solution sales, marketing, advertising, and promotional strategies that focus on a point and deliver the desired results.

OneLedger

Syscoin was created in 2014 by Sebastian Schepis — one of the co-founders of the company that created what became the Oracle Project Manager, an enterprise management system. Following the success of Project Manager, Sebastian has gone on to consult for large corporations like Lockheed-Martin, Bank of America, General Dynamics, Verizon Wireless, and several others

Today, Syscoin as an open source project is led by the non-profit Syscoin Foundation with board members including Jagdeep Sidhu (Foundation President and Lead developer) and Michiel Näring, Syscoin Foundation Vice President.

SYS Labs, an enterprise, leads the development of flagship apps and systems built on Syscoin, including Rollux (OPStack L2), SuperDapp, Pegasys DAO (DEX), and Luxy (NFT marketplace).

Syscoin

Moonriver is an Ethereum-compatible, smart-contract parachain on Kusama. It is intended to be a companion network to Moonbeam, where it will provide a permanently incentivized canary network. New code will ship to Moonriver first, where it can be tested and verified under real economic conditions. Once proven, the same code will ship to Moonbeam on Polkadot.

It does this by providing a full EVM implementation, a Web3-compatible API, and bridges that connect Moonriver to existing Ethereum networks.

This allows developers to deploy existing Solidity smart contracts and DApp frontends to Moonriver with minimal changes.

Moonriver

saffron.finance

LTO Network has established itself as Europe’s leading blockchain with strong real-world usage. It was founded on B2B enterprise solutions such as decentralized workflows, data & document verification and authentication. In 2021, LTO Network’s COBALT mainnet update expanded this solid base with the addition of Decentralized Identifiers (DID) and Verifiable Credentials (VC), putting LTO Network on the road of becoming a true layer-1 blockchain. In turn, Decentralized Identities and Verifiable Credentials are at the core of LTO Network’s newest focus; NFT2.0 technology, where people truly own and manage their NFTs in a decentralized way.

By utilizing its hybrid (2-layer) approach, LTO Network is natively GDPR compliant. This ensures easy compliance for companies around the world with ever-increasing privacy laws. Because of this, LTO Network enables developers and businesses to build Privacy Aware Decentralized Apps (PADA) and offers many unique opportunities for projects to explore.

Immediate plans for LTO Network include NFT2.0, decentralized identities/verifiable credentials driving KYC, expansions on already established projects and much more.

LTO Network

Orion is a suite of decentralized finance (DeFi) trading products with instant access to aggregated centralized and decentralized exchange liquidity to provide users with real-time best asset prices in a seamless trading experience. Orion offers the non-custodial equivalent of a DEX with access to the best priced liquidity in the world, empowering people with financial responsibility on a global scale.

Orion

Aurora

Tokoin

Router Protocol

While the concept behind Merit Circle is not entirely new, the project itself is a leading DAO with the goal to maximize value accrual across different games in the metaverse. Its platform is at the intersection of capital, expertise and players — representing investors, platform and managers — and of course,  gamers.

The returns that the project has the potential to make will be able to translate into potentially life-changing income for some of the gamers engaging with it. The players have recognized the value of the project and the scholarship program that was created for them, and there are already over 500 scholars currently playing Axie Infinity.

There are already significant revenues that are flowing into the Circle of Merit, which benefits the DAO itself, as well as players and liquidity providers. More are expected to come, especially since Merit Circle DAO will now start focusing on other opportunities in the metaverse through new games.

Furthermore, Merit Circle boasts an impressive list of partners, including DeFiance Capital, Spartan Group, Yield Guild Games and more. These and others are all industry-leading names, who have praised Merit Circle for building a scalable operational process that can effectively grow, onboard, and sustain new members. In fact, DeFiance Capital’s Arthur said that DeFiance believes that “Merit Circle will be among the top guilds that will be kingmakers in this land.”

All of the partners, plus a number of angel investors, supported the company during its seed round, helping it raise $4.5 million

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