Talal Tabbaa - Bringing Programmatic Cash Flows from the crypto to the real economy Blockchain Summit Kyiv 2017

1. Strictly Private & Confidential - Do not Distribute
jibrel
Jibrel.network
November 2017
putting traditional assets on the blockchain

2. the jibrel network allows users to tokenize traditional assets (currencies, treasury bills,
certificates of deposit), unlocking value for individuals, businesses and decentralized entities
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1. OVERVIEW
Page 4
Global Remittances & Payments
Individuals can instantly send, receive or
convert money with zero fees, Businesses can
better manage global payables and receivables
Low-risk access to Cryptomarkets
Investors can sell traditional assets (money
market instruments) on-chain for a profit and
capitalize on the high returns of the fast growing
cryptoeconomy without the risk
On-chain Access to Traditional Assets
Decentralized autonomous organizations and
funds can buy jibrel fiat or money market
tokens to protect against volatility

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There is a strong need to better connect the traditional and crypto economies
while blockchain technology has unlocked an array of benefits, financial infrastructure has not
kept up, and as a result, significant value remains untapped and unnecessary risk is taken on
CUSTOMER SEGMENT TRADITIONAL ASSETS DIGITAL ASSETS CURRENT SITUATION
Consumers
(Individuals / SMEs)
✓ Stable, regulated and insured
✗ Difficult to send and receive globally
✗ Unreasonable conversion times / fees
✓ Easy to send, receive and convert
✗ High volatility
✗ Lack of oversight / regulation
Fund transfer times are still
slow when using existing
consumer solutions (bank to
crypto or crypto to bank is time-
consuming)
Investors
(HNWIs / Institutional)
✓ Stable, regulated and insured
✗ Unreasonable conversion times / fees
✗ Difficult to forecast / budget
✓ Very lucrative returns
✗ High volatility
✗ Unregulated, lack of transparency
Institutional and individual
investor choices are limited
with regards to accessing the
high returns of the
cryptoeconomy
Decentralized
Organizations /
Funds
✗ Limited choice in assets (USD, Gold)
✗ Unregulated, no guarantees of backing
✓ On-chain transparency (for ICO investors)
✗ High volatility
✗ Limited use (offline payments)
ICO funding is locked (smart
contracts) in BTC or ETH (FX risk)
- organizations face insolvency
risks if markets turn against
them
2. PROBLEM
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seamless on-chain / off-chain trading of traditional assets enables a wide range of use-cases,
each with sizable addressable markets
Source. World Bank, BCG Global Payments 2016, Coindesk Data & Research - May 2017, Jibrel Analysis
2. PROBLEM
CUSTOMER SEGMENT ASSET USE-CASE MARKET
$US
Consumers
(Individuals / SMEs)
Currency
Global Payments
Consumer to Merchant, Business to
Business
✓ Global e-commerce
✓ Predictable fees and cost
✓ Easy to use accounting / reporting tools
30,476 BN
Remittances & Int’l Transfers
Peer to Peer
✓ No FX or remittance fees
✓ Track transfers securely
✓ Multiple deposit / withdraw outlets (top-up cards, tellers,
etc.)
2,759 BN
Investors
(HNWIs / Institutional)
Currency,
Money Market
Instruments
Investor Platform
Investors can list traditional assets on-chain
✓ Access to crypto-market returns without volatility
✓ Leverage blockchain tech without internal build-out
253 BN
Decentralized
Organizations /
Funds
Currency,
Money Market
Instruments
Hedging Tokens
Money Market Tokens
✓ Diversify holdings into low-risk assets
✓ Business expenditure conducted on-chain (through
traditional payment channels)
18 BN
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5. Institutional grade liquidity is brought to the blockchain in the form of CryDRs, with on-chain,
off-chain and ends users capitalizing on the connection between two economies
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3. SOLUTION
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Developer Tools & User-friendly Libraries for
Developers / Crypto-Community
Wide Range of Use-cases for
End-users
Stable Assets
Traditional Assets
Cash Profits from Sale
Transactional Profit
Volatile Currencies
Bitcoin, Ethereum, etc.
Stable CryDRs
Tethered Tokens
Decentralized Orgs.
On-chain Entities
Institutional Investors
Off-chain Entities
Remittances E-commerce Global Payments Trading Hedging Investing
B2C Focus B2B Focus

6. CryDRs are fully programmable smart contracts that contain regulatory logic relevant to each
asset class / geography - ensuring only authorized parties can transfer, buy and sell
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3. SOLUTION
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ASSET CLASS MAIN FUNCTION REGULATION / OVERSIGHT SMART LOGIC
CASH (FIAT)
Payments,
Remittances
AML / KYC, Money Transmission,etc. (e.g.
US Treasury, IRS, Office of Comptroller of
Currency)
● KYC / AML logic on transfer (restrictions if above 10,000 USD)
● White-list / black list individuals, organizations and geographies
MONEY
MARKETS
Hedging
Securities Regulators / Capital Markets
Regulators (e.g. Securities and Exchange
Commission)
● Limitation on sellers (licensed brokers can only sell these assets)
● Limitations on buyers (geography, KYC - cleared buyers only)
COMMODITIES Trading, Hedging
Commodities Trading Regulators
(e.g. Commodity Futures Trading Commission)
● Full regulation specific to commodity, geography, counterparty
EQUITIES Trading
Capital Market Regulators
(e.g. Securities and Exchange Commission)
● Full regulation specific to commodity, geography, counterparty
FUTURES Trading, Hedging
Futures Trading Regulators
(e.g. Commodity Futures Trading Commission)
● Full regulation specific to commodity, geography, counterparty

7. With smart regulation, institutions can ensure tokenized assets always remain fully compliant
with relevant rules and regulation, in addition to their own custom rules and conditions
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3. SOLUTION
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Institutions Tokenized AssetsTraditional Assets
Unauthorized
Smart Regulation
Authorized to Hold
Real World
Regulation
Asset-class /
Jurisdiction
specific laws
Smart
Regulation
Blockchain
Enforced -
Immutable Code
Traditional assets tokenized
into self-regulating
CryptoDepository Receipts
(CryDRs) through Jibrel
Platform

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Tethering to Real World Assets
Users can deposit any real-world asset in
the Jibrel Decentral Bank and receive it’s
on-chain token equivalent
Customized Meta-Assets
Users can create their own meta-assets
based on on-chain data - e.g. ETFs, VIX,
Derivatives, Futures, etc.
Self-Regulating Assets
Institutional Investors can tokenize their
own assets with assurances that they will
never be misused or become non
compliant
Traditional and Crypto Hybrids
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3. SOLUTION

9. Page 6
Jibrel currently supportssix fiat currencies, two money market instruments
and two cryptocurrencies
Standard ERC20 Tokens
Embed real-world rules and regulations
Follow rules & regulations deployed on-chain
Always KYC / AML compliant
Completely decentralized - governance
without governments
Self-regulating ERC-20 Tokens
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3. SOLUTION

10. CryDRs can be used for purchases, remittances, investments or even as a hedging tool, with a
variety of asset-backed tokens, developers can build a wide range of different applications
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4. USE-CASES
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Free Global Transfers for
Consumers and SMEs
1. Sign-up or use existing
exchange account (e.g.
Coinbase)
1. Top-up account via bank
transfer, card, top-up card
or teller
1. Send / receive cash,
convert to any currency,
pay anyone, anywhere
Investment Platform for
Investors and HNWIs
1. Buy assets off-chain or use
assets from existing
portfolio
1. Use jibrel platform and
portals to list assets on-
chain
1. Sell assets at a significant
markup given on-chain /
off-chain arbitrage
Hedging Instruments for
Decentralized Orgs / Funds
1. Specify type of instrument
to purchase
1. Send payment in digital
currency (e.g. BTC, ETH)
1. Receive CryDRs of specified
instrument (e.g. USD,
Treasury Bill, CD)
1. CryDRs allow for
transparent / stable
storage of funds
Global Payments Network for
Merchants
1. Sign-up to jibrel or use
existing exchange account
(e.g. Coinbase)
1. Set-up poca payment
channel (API access)
1. Accept payments from
anyone / anywhere in the
world
Developer Tools & User-friendly Libraries for
Developers / Crypto-Community
1. Easy to use API, user-friendly libraries and code templates
1. Platform for developers to build any application that leverages traditional assets via API

11. jibrel has two offerings in the pipeline, an open source best-in-class ethereum wallet, and
currency tokens for users and DAOs to transact with
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jWallet jCash
Best in Class Ethereum Wallet
An easy-to-use token wallet
Currency Tokens
USD, EUR, GBP, CNY, RUB, AED
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4. USE-CASES

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It works straight out of the box, no pre-configuration, download or set-up needed

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Pre-stocked with main tokens (by market cap) + Ability to add custom tokens

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We've incorporated our QR Code Generator / Standard URI schema, for easy send/receive

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Want to be completely secure? Bring your own node

17. while still quite young, jibrel has managed to build-out the core components quickly and aims
to deliver an alpha release before the end of the year
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MAY’17
qubist labs
(team) is
incorporated
JUL’17
begin back-end
integration of
strategic
partner
NOV’17
jibrel Network
Public Token
Sale
OCT’17
jWallet
release
DEC’17
jibrel platform
release - 6 fiat,
2 money
market inst.
JUN’17
jibrel platform
‘alpha’
completed
(Ropsten)
SEP’17
jibrel Network
Token Presale
and
FEB’17
jibrel is
conceptualized
as a remittance
solution
APR’17
first draft of
jibrel network
white paper
completed
5. ROADMAP
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18. the second release of the jibrel product suite in Q1 of 2018 will facilitate rapid expansion by
allowing financial institutions and exchanges to be easily integrated via API
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JAN ‘18
additional
operating
licenses
acquired
FEB ‘18
infra. build-out
- key hires
onboarded
MAR ‘18
release version
2.0 of product
suite
Q2 ‘18
4 asset portals
established in
key financial
hubs
Q3 ‘18
new asset class
support added
(e.g. equities)
Q4 ‘18
kick-off project
pinocchio
(full decentralization)
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5. ROADMAP

19. in the longer-term, once technology has sufficiently advanced and the necessary on-chain
infrastructure is built-out, jibrel can fully decentralize and operate completely autonomously
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FULLY ON-CHAIN
On-chain AML / KYC processes, self-service asset
portals
AI / MACHINE LEARNING POWERED
AI powered organization operating completely
autonomously
DATA RICH
Homomorphic encryption of data to allow for
secure analytics on consumer and investor levels
COMMUNITY DRIVEN
Developer focused, large community of
developers contributing to jibrel ecosystem
JIBREL DAO
5. ROADMAP

20. that being said, there are several challenges that will need to be addressed to ensure a
successful initial coin offering and effective go-to-market strategy implementation
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MARKET
- Poca logic still needs to be added to interact with smart contracts
- Anonymous payments (zero knowledge) currently complex / costly
Note. Ethereum and Bitcoin are pseudonymous, CryDRs aim to be anonymous similar to
Zcash
- Market has extreme volatility
- Market is currently heavily overvalued
Note. only exposure is from assets held through digital top-ups - transfers are never at risk
- All dev efforts dedicated to wallet / platform completion in time for
launch
- Currently, jibrel uses pseudonymous workarounds until zk-snarks
become more feasible / flexible / do not require a setup phase
- Limit digital assets held (instant divestment where possible)
- Build-out internal risk management capabilities
- Develop a financially conservative culture from Day 1
TECHNOLOGY
6. CHALLENGES
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RISKS & CHALLENGES MITIGATION STRATEGIES
COMPLIANCE
- AML / KYC / KYB compliance is critical / complex to manage
- Fundraiser must be managed with caution to ensure US investors
can realize returns lawfully and seamlessly
- First key hire is Head of Legal & Compliance
- JNT structured to pass Howey Test and Family Resemblance Test
- Back-to-back legal agreements where possible (exchanges, banks, NBFIs)
- Overly stringent internal compliance during first 36 months of operation

21. Page 6
Jibrel is being developed by experienced professionals who combine industry
expertise with deep understanding of blockchain / smart contract development
Yazan
Project Lead
Operations
Victor
Tech Lead
Development
Talal
Biz-Dev Lead
Operations
Hamzeh
Operations
Operations
Alex
Back-end
Development
Ivan
Front-end
Development
Nick
Front-end
Development
Rust
Front-end
Development
Eugene
Front-end
Development
Yuriy
Back-end
Development
Nikita
Back-end
Development
Don
Advisor
Blockchain Revolution
Eddy
Advisor
Soros Fund
Ruslan
Advisor
TaaS Fund
Mohamad
Advisor
Arabian Chain
Saul
Advisor
Thomson Reuters
Moe
Advisor
Keynote Events
Anna
Marketing & PR
Operations

22. Jibrel Network Token (JNT)
Token Allocation and Price Schedule
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5. Jibrel Network Tokens
TOKEN ALLOCATION
Jibrel Network Token (JNT) Distribution
TOKEN PRICE SCHEDULE
Pre-sales, Early Bird and General Sale
$0.15
Jul 25 Aug 25
Sep 25
Nov 27
$0.25
Angel Round
Public
Presale
General
Token Sale
$0.20/0.225
Jibrel Network Token is being offered to select partners at a discount
Oct 25
Jan 26

23. jibrel
jibrel.network
(+1) 929-262-1817
info@jibrel.network
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