An overview of Ethos' path to bringing crypto to the masses through the Ethos Universal Wallet and how Ethos Bedrock API is being used to build a Fiat Gateway, Cryptocurrency Payment solution, Wealth Management, Banking and Exchange solutions. This was presented August 8th, 2018 by Shingo Lavine during our Community Q&A. Visit ethos.io for more information, download the Ethos Universal Wallet today!

1. Bringing Cryptocurrency to the
Masses
Community Strategic Overview
August 2018
Shingo Lavine
Founder & CEO
Ethos.io PTE LTD

2. General Disclaimers
These materials may contain forward-looking statements and may include, for example,
business plans and strategies, projects under development, competitive position, growth
opportunities, management's plans and objectives and predictions of future operating
results, and other matters relating to the Companies.
No representations or warranties are made as to the accuracy of such forward-looking
statements.
The information in this Presentation is not intended as an offer or recommendation to buy or
sell any security or investment
2

3. 3
Ethos Vision
Bridge crypto with the
traditional financial
system

4. There are many hurdles with digital assets for consumers and financial institutions to
overcome before they are widely accepted and available.
4
Challenges with Mainstream Crypto Adoption
Custody Centralized custody is prone to hacking, regulatory concerns, and legal
challenges.
Accessibility Difficult to buy and sell. Takes hours, days or even weeks to exchange
currencies and fiat.
Lack of Credibility There are not many credible companies in the space with seasoned teams.
Regulatory Compliance The SEC has placed digital assets into a “grey box” which scares investors
and institutions.
Fees Exchanges charge high fees to buy, sell and transfer digital assets.

5. 5
Provide tools and APIs to enable
businesses and consumers to
easily and safely interact with
digital assets.
Enable decentralized self-custody at
scale, unlocking the mainstream
potential of blockchain-based
solutions.
Create a multi-sided ecosystem
that connects consumers and
institutions with the blockchain.
Our Strategy is Threefold
1 2 3
Strategy

6. Ethos Product Offerings
The easiest way to send, store and
receive digital crypto assets.
Enterprise-grade Blockchain APIs.

7. 7
How the Universal
Wallet Works

8. Mobile Client
The Universal Wallet is accessible through an
Android and iPhone mobile app, which is
available to anybody for free.

9. The Universal Wallet uses the
cryptographic storage area of iPhones
and Android devices similarly to a
Trezor or Ledger Nano S

10. Mobile Client
SmartKey
The user creates a
cryptographic “SmartKey”
on their device.
This key is never
transmitted over the
internet, and only the
user knows it.

11. Mobile Client
SmartKey
Self Custody
This enables “self-
custody” - enabling
people to safekeep
their own digital
assets.

12. Universal Wallet
Self-
Custody
Mobile Client
SmartKey
Self-Custody is at the center of
Ethos’ technical and business
strategy.

13. Coin Nodes
Block
Listener
Block Parser
Universal Wallet
Self-Custody
Mobile Client
SmartKe
y
To support extended
asset types, Ethos hosts
Coin Nodes - copies of
the coin’s actual chains.
These go through a “Block
Listener” that looks for
addresses it knows, and a
Block Parser that abstracts
the transactions.

14. ● Speed: Doesn’t require Blockchain
syncing.
● Scalability: Can support millions of
users around the world
● Interoperability: Protocols are
abstracted, eliminating dependencies
on any individual chain
This is a revolutionary approach
to Blockchain that is unique to
Ethos and has unique
advantages:
Coin Nodes
Block
Listener
Block Parser
Universal Wallet
Self-Custody
Mobile Client
SmartKe
y

15. Push Authorizations
This allows trusted
transaction requests to
be pushed to the user’s
device for “signature”
using their fingerprint on
bio-enabled mobile
devices.
Coin Nodes
Block
Listener
Block Parser
Universal Wallet
Self-Custody
Mobile Client
SmartKe
y

16. Payments
BankPush Authorizations
This logically ties
into payments and
payment providers.
Coin Nodes
Block
Listener
Block Parser
Universal Wallet
Self-Custody
Mobile Client
SmartKe
y

17. 17
Universal Wallet Roadmap
Token Features
✓ Add more native coin support

18. 18
The Ethos
Universal
Wallet is built
100% on
Bedrock APIs
Did you know?
Bedrock APIs

19. Bedrock Solutions
Enables Powerful + Scalable Enterprise Solutions via APIs
xWallet
APIs to create keys, addresses and deterministic omnibus directories to send and receive
transactions, either through third party wallets or the Ethos Universal Wallet.
xTransact APIs for Blockchain transactions including broadcast, signature and verification.
xAlert Notification system for transaction state and alerting on abnormal transactions.
xVSF Enabling institutions to cryptographically verify source of funds and identities.
xLightning Instant transfer and notification of network Blockchain transactions.
19

20. Bedrock Enables HDW as a Service
20
● Create and secure BIP39 / BIP44 compatible
HDW without key transmission.
● Logical coin slot / address structure with
open-ended derivation paths.
● Enables consumers and businesses to self-
secure any asset on a variety of Blockchains.
● Extensible to future chains and asset types.
● Completely API-driven.
● Addresses the issues of security, liquidity and
regulatory hurdles for institutions.
Infinite Omnibus

21. Building the Ethos Ecosystem
TBA

22. Customer Acquisition : Through the Ecosystem

23. Digital Asset Advisory
The First SEC-approved Registered
Investment Advisors for Digital Assets
Ethos’ Enterprise relationship with Fusion enables
Ethos to offer the following services with revenue
shares to consumer and enterprise clients:
• Consumer Advisory Services
- Professionally managed blended crypto baskets
• Enterprise Fund Management
- Digital Asset portfolio modeling
23

24. Token Features
✓ Designed with consumer safety, security and regulatory compliance in mind.
✓ Used to access the Ethos platform and features.
✓ Enables consumers to safely interface directly with blockchains.
✓ ERC20 audited contracts running on the Ethereum Blockchain.
✓ Provides lower-cost transactions with consumer control over funds.
✓ Branded for safe and secure use with the Ethos platform.
✓ Can be utilized as a medium of exchange.
Ethos is our access and fee token that is utilized
within our network.
Token Usage
✓ Consumers and businesses stake tokens to gain access to features.
✓ Services and APIs require micro-amounts of Ethos, similar to Ethereum’s Gas.
✓ New partners and customers add value to the Ethos ecosystem and tokenomics.
24

25. • Assembled a world-class team with
executives from Blackrock, Citrix and
iTrade
• Built and shipped Bedrock, a proprietary
scale Blockchain abstraction platform
• Created SmartKey technology that
enables consumers to securely store
their own assets
• Built and shipped a fully functional
Universal Wallet
• Onboarded over 100 digital assets into
the Universal Wallet
Year 1 Accomplishments Traction (Launched June 30th)
2,050
Average Daily
Wallet Downloads
61,400Downloads in the
First 25 Days
(Organic)
Signed exclusive partnership with $10B
payments processor to develop crypto
payments solution
Partnered with one of the first SEC-approved
Registered Investment Advisors for
cryptocurrency
12,500
Daily Active Users
336,000
Wallet Transactions
25
25
Traction

26. Consumer
Revenue
Enterprise
Revenue
Privileged and
Confidential
Future Revenue Channels
WALLET AND VAULT
Ethos Prime
Fiat Transfer
Peer to Peer Trading
Domains
Advertising
WEALTH MANAGEMENT
Crypto Baskets
ENTERPRISE APIs
Broadcast Calls
RIA Calls
Wallet Calls
Ethos Nodes
Bedrock Full Nodes
PAYMENTS
Payment Transactions
REFERRAL FEES
Institutional Custody
Financial Institutions
Tax Services
WEALTH MANAGEMENT
Enterprise Fund Management
WALLET AND VAULT
Domains
REFERRAL FEES
Hardware Wallets
Institutional Custody
Tax Services
26

27. Thank You
Bringing Cryptocurrency to the
Masses
Community Strategic Overview
August 2018
Shingo Lavine
Founder & CEO
Ethos.io PTE LTD

28. Q & A
28