### What is Elitium?

The Elitium platform lets you invest in digital assets and generate yields in a simple, compliant, and secure way.

The platform offers a basket of products, including decentralized finance (DeFi) savings plans, cryptocurrency staking, Bitcoin and Ethereum cloud mining services, and a dedicated NFT marketplace.

In short – you can use Elitium to earn yields on:

-   Paxos Gold (PAXG)

-   DUS Dollar, British Pound, or Euro (stablecoin) savings plan

-   Stake Elitium's native cryptocurrency (EUM) and earn rewards

Elitium also co-hosts [NFT BAZL](https://nft.elitium.io/), an NFT art exhibition in Miami and Dubai, with further events planned every quarter. Ultimately, Elitium wants to unite investors from across the world to have a positive global impact as one. 

For more information – visit: [www.elitium.io](https://coinmarketcap.com/currencies/elitium/www.elitium.io)

To preview the platform – click here: [preview.elitium.io/dashboard](https://preview.elitium.io/dashboard)

To create your account – visit [www.elitium.io/apply/](https://www.elitium.io/apply/)

### Who are the founders of Elitium?

Elitium was founded by Raoul Milhado, Jean-Pierre Morand, and Collin Gelevert.

Raoul met Jean-Pierre in his hometown Amsterdam in 2016, initially exploring how to bring crypto-payments into the world of luxury.

As their ambitions grew, Raoul and 'JP' recognized the need for additional legal and financial expertise, onboarding Collin as the third co-founder.

Prior to Elitium, Raoul founded and exited a venture in digital marketing. He's remained a driven entrepreneur since his early professional years, ultimately spearheading Boatsters' move into crypto before becoming Elitium CEO.

Jean-Pierre Morand is a developer who's spent a lifetime involved in frontier tech, having helped bring the internet to France in 1998. He has extensive expertise in cyber security and, in 2013, applied his knowledge to blockchain before co-founding Elitium as CTO.

Collin Gelevert has worked in global businesses since the 80s, leveraging his financial expertise to set the legal and compliance strategy of Elitium in his role as Chairman and CFO.

### What makes Elitium unique?

Elitium brings together a variety of blockchain investments in one simple-to-use platform, eliminating the complexity and security concerns of building and managing a diversified digital asset portfolio.

Elitium makes it easy for investors to access digital assets and grow their wealth in a simple, compliant, and secure way. Thanks to the efficiency of its technology, investors can save time managing their wealth while generating higher returns on a more sustainable basis than via traditional means. 

Thanks to its robust network of private investors (including crypto trading expert 'The Wolf of All Streets' Scott Melker and merchant bank GDA Capital), Elitium has never held an ICO. 

Instead, the team has used private funding to develop the platform's product portfolio in a sustainable way.

Read more about the private investments here: <https://finance.yahoo.com/news/gda-capital-wolf-streets-invest-162300045.html>

### What is Elitium's mission?

Elitium is building a world in which value investors can grow wealth and have a global impact as one.

The platform aims to bridge traditional finance and the blockchain, enabling clients to invest in digital assets and manage their portfolios in a trusted, compliant, and secure way. 

Ultimately, the team aims to harness affluence and technology to transform economies worldwide.

How does Elitium ensure client security?

EUM is an ERC-20 token on the Ethereum blockchain. This means the platform benefits from the inherent security of Ethereum itself. And Elitium uses three further strategies to keep client funds secure.

1.  In-house technology: Elitium developed its technology from scratch, ensuring the platform only uses trustworthy smart contracts when locking assets into DeFi pools. The setup reduces reliance on third-party protocols, which mitigates the risk of hacks, unexpected failures, and price manipulation.

1.  Extensive due diligence: Where Elitium uses third-party services, the platform only does so after extensive research. The process includes strict quality controls, meaning the platform only interacts with established models that have a proven track record.

2.  Comprehensive insurance: Elitium also offers full insurance coverage with policies from [Nexus Mutual](https://nexusmutual.io/), [Union](https://www.unn.finance/), and [inSure](https://insuretoken.net/) insulating client funds spectrum of potential threats.

The above is on top of an industry-leading custody solution managed by [AMDAX](https://www.amdax.com/nl/), the Netherlands' first crypto asset manager registered with the Dutch Central Bank and Elitium's official custody partner.

The setup ensures clients benefit from a state-of-the-art cold wallet infrastructure that means all deposited funds sit in a vault-like storage solution. Clients can also add other security layers (including 2FA, anti-phishing codes, and address whitelists), further enhancing the protection.

What is the EUM token's utility?
--------------------------------

Elitium's native cryptocurrency EUM acts as the platform's fuel. 

Elitium uses it to settle fees – while the token powers several products (including the staking and DeFi plans).

If clients hold EUM, you receive exclusive perks and, if you spend EUM on the Elitium card, you can get up to 1% cashback on everything you buy.

Here are the five core token utilities:

1\. Boosted APY

If you opt in to receive EUM as part of your DeFi payouts, Elitium boosts the APY on your USD, EUR, GBP, CHF, and PAXG savings plan.

2\. Staking Rewards

You can stake EUM with Elitium and earn up to 14% APY if locked for 36 months (or you can [operate a masternode](https://www.elitium.io/currency/masternodes) for up to 28% APY).

3\. Send Money For Free

You can send any available currency to other Elitium accounts for free, and the money will arrive instantly.

4\. Cloud Mining

You can pay for a share of Elitium's mining rig space and earn a percentage of the platform's Bitcoin and Ethereum mining rewards.

5\. Early-Bird Investments

The Elitium platform includes tokenized offerings, NFTs, and airdrops --- and EUM holders get early access (with discounted fees when you pay in EUM).

---------

Beyond these five core utilities, EUM offers several further benefits.

Token holders get priority access to quarterly events such as [NFT BAZL](https://nftbazl.com/), where the team curates both physical and digital artworks in a one-of-a-kind exhibition.

Elitium clients can spend EUM worldwide on the [Elitium Card](https://www.elitium.io/discover/crypto-card) and [earn up to 1% cashback](https://news.yahoo.com/elitium-launches-crypto-credit-card-135010896.html) (paid in your local currency, EUM, even gold).

And as part of the company's IVI investing model, Elitium promises to match your charitable contributions, meaning if you top up your DeFi yields with EUM and opt into the IVI program:

-   1% of the program's yield goes to charity

-   You contribute 0.5%, and Elitium matches your donation

That way, Elitium can work with its clients to generate a co-managed charitable pool – with all contributors getting to vote on how Elitium distributes the funds.

### Where can you buy EUM?

If you want to trade EUM, you can buy and sell the token on [Bitmart](http://www.bitmart.com/?r=h32rA1) (the exchange will also auto-stake your balance, paying up to 7.5% annual EUM rewards).

Elitium is also available to [buy in the Elitium app](https://www.elitium.io/apply/) and on several other exchanges (including STEX and FatBTC). And Elitium plans to list EUM on a new exchange every month.

Elitium

Trust Wallet

MetaMask

Ethereum

Shiba Inu

Chainlink

UNUS SED LEO

Uniswap

RioDeFi

FidexToken

Internet of Energy Network

Leverj Gluon

SafeBlast

ETHPad

Arcona

SYNC Network

Omchain

PERI Finance

RAYN

Patex

QANplatform

RivusDAO

Scotty The Ai

sUSD is a synthetic USD token enabled by the Synthetix protocol. It tracks the price of the US Dollar through price feeds supplied by Chainlink’s decentralized network of oracles. sUSD is integrated across the DeFi ecosystem as one of the most liquid decentralized stablecoins, including at Curve. It can be traded without slippage for other assets native to the Synthetix protocol at Kwenta or Synthetix.Exchange.

sUSD

Celo Dollar

Graviocoin

MiL.k

Kleros (PNK) is a decentralized dispute resolution project that launched in July 2018. It is an open-source online dispute resolution protocol that uses blockchain and crowdsourcing to adjudicate disputes fairly.

Kleros offers a middleman service for decentralized applications (DApps) and their users. If the service provided by the application does not create a dispute, Kleros acts as a trustless third-party service for payment.

When a dispute does occur, however, each party can apply for arbitration through the Kleros arbitrators that are selected from the owners of PNK tokens. PNK is an Ethereum-based ERC-20 utility token with a fixed supply.

At this point, the jurors can make a decision that will favor either party. The arbitration fees are distributed to all arbitrators in the form of ETH; jurors who have issued a minority decision lose part of their PNK tokens for the benefit of the majority of jurors. This decision can be appealed, at a cost. The stated mission of Kleros is to offer easier access to justice and improve individual freedom.

Kleros charges a cost that is payable in ETH and is provided by the parties to the dispute or drawn from the funds previously locked in escrow.

Kleros

EOSDT

WaykiChain

The Neutrino index is a decentralized financial (DeFi) platform based on the Waves blockchain. The platform rebranded its index token from USDN to XTN. Neutrino has two native tokens, XTN and NSBT.

XTN is an algorithmic crypto-collateralized indexcoin backed by three Waves Ecosystem tokens: WAVES, WX and VIRES. XTN's main function is to encourage user participation in the Neutrino by rewarding those who provide liquidity to the system.

The platform’s other token, NSBT (Neutrino System Base Token), is used for governance purposes: it allows users to make decisions about the future development of the Neutrino protocol, and it ensures the stability of collateral reserves on Neutrino’s smart contract.

New NSBT tokens are issued whenever a user locks WAVES tokens on a contract, which serves as additional backing and insures the system against a deficit. Holders can stake to earn on WAVES to XTN swap fees.

Neutrino Index

Strike is a DeFi lending protocol that allows users to earn interest on their cryptocurrencies by depositing them into one of several markets supported by the platform.

When a user deposits tokens to a Strike market, they receive sTokens in return. These sTokens represent the individual’s stake in the pool and can be used to redeem the underlying cryptocurrency initially deposited into the pool at any time. For example, by depositing ETH into a pool, you will receive sETH in return. Over time, the exchange rate of these sTokens to the underlying asset increases, which means you can redeem them for more of the underlying asset than you initially put in — this is how the interest is distributed.

On the flip side, borrowers can take a secured loan from any Strike pool by depositing collateral. The maximum loan-to-value (LTV) ratio varies based on the collateral asset, but currently ranges from 50 to 80%. The interest rate paid varies by borrowed asset and borrowers can face automatic liquidation if their collateral falls below a specific maintenance threshold.

Strike

CyberVein's big-data solution is based on the PISR (private, interlink, secure, robust) distributed database, database operations are stored on CyberVein blockchain network which runs on a Proof-of-Contribution (PoC) consensus mechanism. The solution is focusing on enterprise-level "blockchain + big-data" customized services.

CVT is the native utility token that is used for:

Storage payment: The data owner pays the corresponding storage fee based on the file size and bandwidth consumed in such a process.

Computing power payment: Payments from user to owner for usage, and remuneration for software developers is going to be exclusively conducted in CVT.

Data exchange: On CyberVein's federated learning platform, the data acquirer trades the data at a price contracted between the two parties for distributed modeling applications.

CROSS NFT issuance payment: Dapp businesses are obligated to pay for Storage and Data Exchange in light of network resources occupied, and may set up CyberVein token as a means of payment to issue NFT or conduct business in accordance to their desired business model.

CyberVein tools include:

PISR Consortium database, creates better data management: through safe and reliable virtual machine operation and maintenance of user data, data is efficiently aggregated for upstream data, and data traceability and tracking are realized to ensure the reliability of data sources and outputs, and achieve cross-level, cross-departmental data sharing to improve the timeliness, diversity, stock and density of data to realize the commercial value of data, and truly solve the problems in data flow.

DAG storage chain, creates safer data storage, with better efficiency, no block confirmation, low transaction fees, and also eliminates miner, supports asynchronous verification and parallel processing of each node, the more nodes, the faster the speed, the stronger the scalability, which leads to better scalability. The database backup on DAG storage chain provides an extra layer of security for businesses.

Cytrix, allows GPU to be shared. Nodes can contribute part of their GPU to the network, in return for compensation through the Proof of Contribution mechanism. The contributed GPU can aid enterprises or individuals in data modeling with federated learning.

Federated Learning Platform, enables data to be monetized. Federated Learning is a distributed machine learning workflow. The datasets are first trained locally, and the data of all parties is kept locally, without revealing privacy or violating regulations.  Individual terminals return trained models to the server to create a shared model. Effectively protect data privacy and security, solve the problem of information silo, and thus realize the value of data. The platform will also provide algorithms to support data modeling operations by enterprises and individuals.

CyberVein

BoutsPro

Function X is mirroring traditional financial products on the Function X network and creating decentralized financial products and a decentralized trading system. It is a highly customizable and expandable multi-chain architecture blockchain network (subnets) that can meet different business needs.

Function X

Wrapped NXM (wNXM) is a 1-to-1 backed token that can only be generated by wrapping genuine NXM.

NXM can only be traded among Nexus Mutual members, while wNXM is fully tradable but can't be used at all within the Nexus Mutual protocol.

Wrapped NXM

Bytom

xDai is a cryptocurrency that is pegged to the US dollar. The xDai chain is a stable payment blockchain that is designed for fast and inexpensive transactions. STAKE is secured by proof-of-stake consensus. xDai was founded on Oct. 1, 2018.

STAKE is a multi-chain staking token that is designed to secure the payment layer. Staking allows validators and delegators to provide transaction consensus and receive staking incentives for block production. It is only required for consensus providers, not everyday on-chain transactions.

xDai was created by the POA Network, an open-source public side-chain of Ethereum founded in April 2017. It offers a framework for smart contracts which provides developers with an easy and effective way to code on Ethereum, while also leveraging the POA Network capabilities.

STAKE

Fei protocol is a DeFi native algorithmic stablecoin. The aim of Fei is to propose a technological solution in a sweet spot between rigid overcollateralized decentralized stablecoin and centralised custodial stablecoins.

Fei Protocol runs on two crypto assets: FEI stablecoin and TRIBE governance token.

FEI is aimed to be a more capital efficient and fully decentralized stablecoin. The protocol uses the value it controls to maintain liquid secondary markets and earn yield for the protocol.

The project was founded in December 2020 and immediately attracted significant interest in the crypto community. It resulted in $19 million VC investment in early March 2021. Among the names that have entered this project are Andreessen Horowitz (a16z), Coinbase Ventures, Nascent and Framework Ventures.

There were some issues with the peg in the original mechanism, but through a series of governance upgrades the protocol recovered in the months following launch.

Fei v2 intends to be a major upgrade for the system and will launch in late 2021. It features 1:1 redeemability for FEI against protocol reserves, TRIBE buybacks and backstop, and algorithmic protocol controlled value management.

Fei USD

Ignis

Hifi (formerly Mainframe) is a Lending Protocol that allows anyone to borrow against their crypto. Hifi uses a bond-like instrument, representing an on-chain obligation that settles on a specific future date. Buying and selling the tokenized debt enables fixed-rate, fixed term lending and borrowing — something much needed in decentralized finance today. It is anticipated that a ticker symbol change will occur alongside future iterations on the Hifi Lending Protocol.

Mainframe Token (MFT) is the native utility token that is used for:

Governance votes

Staking to ensure the safety of the protocol

Rewarding contributors to the ecosystem

What can you do with the Hifi Lending Protocol:

Borrow:  Lock collateral in a vault to mint fixed-rate, fixed-term debt tokens.  These debt tokens can be swapped for instant liquidity allowing users to leverage long, yield farm, or pursue other strategic trades without selling their collateral tokens.

Lend:  Buy fixed-rate, fixed-term debt tokens for a discount.  When the term expires they can be redeemed for face value, earning lenders a predictable return on their investment.

Provide Liquidity:  Earn trading fees by providing liquidity between debt tokens and stablecoins on an Automated Market Maker (AMM).

Mainframe

ABBC is a blockchain platform that enables secure payment transactions, helping to facilitate retail adoption of cryptocurrencies and make shopping online with digital assets a safer, more enjoyable experience for end-users.

The platform offers three main products: a multi-platform wallet capable of supporting Bitcoin (BTC) and Ethereum (ETH), in addition to a variety of other native cryptocurrencies and ERC-20 tokens; an online shopping application that can be used to shop at over 50 online retailers with cryptocurrencies; and a cryptocurrency exchange platform that offers secure trading and low transaction fees.

The ABBC Coin was created to give holders the ability to govern the development of the ABBC platform by delegating voting power to chosen block producers (BPs) — who are then able to vote on governance proposals. These governance proposals can be on a range of topics but might include launching strategic partnerships, implementing new features or expanding ABBC's services to new regions. Beyond this, ABBC Coins were created as a reward system for online shoppers and can be staked for regular rewards.

ABBC is currently based on the EOSIO blockchain, which enables it to achieve up to 5,000 transactions per second (TPS) while remaining environmentally friendly due to its energy-efficient delegated proof-of-stake (DPoS) consensus mechanism.

ABBC Coin was initially known as Alibabacoin but changed its name in March 2019 following a dispute with Chinese multinational e-commerce giant Alibaba.