STUDENT COIN

Build and manage your own

token.

Already Available at over

500 Universities
 WHITEPAPER
Project development plan

Table of Contents
General information
03

STC Ecosystem
05

The educational part of Student Coin

06

Personal, Corporate, and DeFi tokens

07

STC-based token features

08

STC Token
09

STC Terminal – creating your own token

11

STC Exchange – trading and funding with STC

12

STC logo
13

Project development plan

14

Supported universities
17

Mobile app and token wallets

17

STC Token Technological Specification

18

Token distribution and mining

20

STC Launchpad ICO

24

Team
25

Contact information
26

References & cryptocurrency dictionary

27
“
"The Student Coin was created to introduce
the world of cryptocurrency and blockchain
to students. STC is a coin that aims to tokenize
modern education systems and create a

“
multi-university blockchain
connects universities worldwide."
network that

“It is easy to notice that Student Coin project is

extremely ambitious, and also revolutionary on
many levels. It allows you to think realistically
about its future and development. We are sure
that nobody hasn't done such a thing yet and
the potential that this currency contains is
unlimited.”

"Tokenization for the future. The word used by

this project is academically-focused tokens.
This is one of the critical long term goals of
setting up STC. Every single university
integrated into the system can have its tokens
based on the central currency STC."

2
 General information

Project’s leading Idea

To build the complex ecosystem that allows to easily create,

manage and develop:

● personal Token
● organizational Tokens

● startup Tokens
● corporate Tokens

● DeFi Tokens
● NFT Tokens

Token name: Token ticker:

Student Coin STC

The aim of the project is to put the tokens and blockchain into the mainstream-

Student Coin is a first platform that allows to perform the wide-scale

tokenization for people, organizations, corporations, startups and

decentralized finances (DeFi). The wide-scale tokenization is a process that

needs an easy-to-use and universal ecosystem that is constructed by the

Student Coin. With the STC ecosystem everyone will be able to easily create

any kind of token and develop it in the long run. Student Coin will allow for

tokenizing people, firms and organizations, as well as, manage token utilities,

perform crowdfunding and easily list new projects.

University is an environment for innovation, new technology research, and the

source of great ideas. Moreover, universities around the world are now more

connected than ever before and have a lot of external value transfers. Finally,

the global educational market is one of the fastest-growing sectors, creating a

great environment to build disruptive blockchain-based solutions such as the

Student Coin. These three factors made universities a perfect place to create

the first wide-scale tokenization platform, similar to how the Internet and social

media began.

3
Student Coin is also the first cryptocurrency directly

related to the network of universities that helps in

promoting the blockchain values and building the

big international community. The Student Coin is run

by students, faculties, and entrepreneurs from over

20 universities, including the Kozminski University,

New York University, Harvard University, Stanford

University, University of Oxford, London School of

Economics and the Imperial College London.

There is one big advantage of Student Coin in comparison to other

blockchain-based projects. Student Coin is fully supported by the academic

faculties, with a professional business-driven and educative approach. The

involvement of the academic world will lead to the establishment of the open

and complex network for tokenization, that will be easy in use for every

person, as well as with professional solutions for corporations and startups.

The project is the first program that directly targets not only the crypto investors

community, but also students, and educate them about the blockchain

technology, cryptocurrency markets and exchanges, and DeFi - allowing them

to trade, invest, and learn about crypto assets. The list of supported

universities, students, and faculties is constantly updated and is available at:

Student Coin official website with the list of supported schools:

https://studentcoin.org/universities

Coinmarketcap pre-ICO Listing:

https://coinmarketcap.com/currencies/student-coin/

Etherscan Verified Token Contract:

https://etherscan.io/

Waves Verified Token Contract:

https://wavesdesk.com/

4
 STC

Ecosystem
The project is divided into two main parts
The business part The educational part
STC ecosystem that bases on STC Education that aims to teach
Token, and allows to create and about the world of blockchain,
easily manage tokens for tokenization, new technologies,
organizations, corporations, and personal finance that helps
startups and individuals via STC to put the tokens into the
Terminal, STC Exchange and STC mainstream and expands the
App. community.
The Student Coin ecosystem for tokenization will be built by the following
platforms:

STC Terminal
the software for firms, organizations and individuals to
create and easily manage their own STC-based tokens

STC Exchange
the publicly available exchange with all the tokens traded only to STC. A
place for the startup crowdfunding and STC-based DeFi tokens issuance.

STC App
the mobile and desktop application to store, swap, and easily use the utility
of the DeFi and personal tokens created in the STC Terminal.

5
 The educational part of
Student Coin
In the world of extreme development, speed and rapid internet, it is hard to

keep up with every technology trend; hence, there is a scarcity of people who

actually deeply understand the details behind blockchain, cryptocurrencies,

DeFi, and tokenization.

The Student Coin aims to create the world’s biggest educational database

about blockchain, tokens, tokenization, cryptocurrencies, new technologies,

economics, and decentralised finance. This database will be a great tool for

gaining new users and developing the whole cryptocurrency market, that will

distinguish Student Coin from other crypto projects.

The educational part of the project

is extremely important to build the

awareness of cryptocurrencies

and Student Coin, launch the

Partnerships with the worlds’

leading universities and develop

the network of Student Coin

Ambassadors.

The Student coin educational website:

https://studentcoin.org/education

6
 Personal, Corporate,
and DeFi token built on
Student Coin
The world needs a platform that allows for fast and easy tokenization. Student
Coin ecosystem will allow users without programming background to create
different kinds of tokens in 5 minutes, and to easily manage their utility and
development. The establishment of such a token, based in STC, will be as easy
as setting a new profile on social media.

Every person, project and firm will be able to create their own token in the STC
Terminal with the option to set the logo, description, supply and the full range
of utilities. What is more, the tokens created at STC Terminal will have
crowdfunding opportunities and be traded at STC Exchange.

Student Coin Ecosystem

7
 STC-based token
features

The wide-scale tokenization should allow not only to create any kind of token,
but also for the easy management of the token and its development. STC
Ecosystem will ensure that all kinds of tokens can be still developing long after
the token launch.

W ith the STC terminal users will be able to create following tokens:

Personal Tokens Loan Tokens (DeFi) Organizational Tokens

NFT Tokens Crowdfunding Tokens (DeFi) Startup Tokens

All of these tokens will be based and traded only to the STC Token.

The STC Terminal will allow be also used to set the token utilities, the token
creator will be free to choose from the following basic utilities:
Technical Utilities:
Ecosystem utilities:

Voting with the Token

Listing at STC Exchange

Governing with the Token

Listing at STC App wallet

Identity Checking with the Token

Airdrop to STC Exchange users

NFT (Non-Fungible Token) setting

Airdrop with the invitation code

Open blockchain transactions

Trading Competition

Reputation based on the token

Integration with Twitter

Business Utilities:
Integration with external website

Crowdfunding at STC Exchange

Dividend based on the token

Interest based on the token

Token Staking

Flexible supply

Fixed supply

Diminishing supply

8
 STC Token
The blockchain-based Student Coin ecosystem has its

own currency – STC Token. The utility and the usage

of the STC Token are corresponding to the amenities

of the blockchain technology and tokenization. STC

works as a reference currency for the equity flow in

the whole ecosystem, powering the STC Terminal

usage, STC Exchange trading and STC App

applications.

The key role of the STC Token is being the reference currency for all of the

tokens ever created at STC Terminal, the personal, DeFi and startup tokens will

be traded at STC Exchange only to STC, making it the measure of the worth. It

means that by holding STC Token, investors are also holding the part of the

whole ecosystem and a part of all the to kens created with Student Coin-

giving it a great value growth mechanism.

The second main utility of the STC is the staking option that will create the

passive income from STC Exchange fees, so by staking STC, investors will

receive part of the income generated from STC Exchange trading and

crowdfunding.

The last major STC utility is the ecosystem governing, by holding STC, investors

can vote in the project development and grant the most interesting projects

built in the STC ecosystem.

What is more, STC Token will contain not only value growth mechanisms, but

also liquidity growth mechanisms and utilities.

9
STC token value will be increasing corresponding to the growth of the

ecosystem and the creation of new tokens.

STC Token value growth mechanisms:

STC as a reference currency for the whole ecosystem and all existing tokens

STC as a trading base TOKENS/STC for all of the pairs at STC Exchange

Advanced staking option to receive the part of the profit generated at STC

Exchange

Ecosystem governing and voting

STC Token liquidity building mechanisms:

The currency to perform crowdfunding at STC Exchange

The currency to share the profit from DeFi tokens

The currency to share the profit from startups investments

The currency to share profit from social trading

STC Bank establishment

STC Token utilities:

The template to build the personal tokens

The template to build the organizational tokens

The template to build the DeFi tokens

The template to build the startup tokens

Access to premium options at STC Terminal

Access to premium options at STC Exchange

Access to premium options at STC App

Perform marketing of the STC-based projects

Part of each token created at STC Terminal will be also held in the STC Bank,

that will be a reserve of the personal, DeFi and startup tokens for the STC

Token holders. The mechanisms will work as the value -backing and liquidity

building program.

10
 STC Terminal

The wide-scale tokenization will allow every person, organization, startup,

firm, corporation or asset to become tokenized. With the STC Terminal, without

any programming knowledge, every person and firm will be able to create its

own secure token with the range of utilities to apply. The tokens will be built at

Ethereum and will have hard-coded and ecosystem-based utilities.

The STC Terminal will also deliver a range of tools to develop the tokens in the

long run, by in-built features as communication panel, twitter feed, marketing

activities and utility management. What is more, each token created at

Ethereum network will be able to be imported into the STC Exchange and

managed with STC Terminal.

Check the STC Terminal at :

https://terminal.studentcoin.org/

With the launch of the STC Terminal, the exemplar STC-based tokens will be

created:

Personal Tokens:
DeFi Tokens:
Utility Tokens:
Startup Tokens:

John Doe Token

Student Loan Token
Coffee pay token

NYU Startup Token

Dr Right Token
Mortgage Token
SU Voting Token

Harvard PS Token

Dr Brown Token
Stake ETH Token
Game Score Token

My Startup Token

Caesar Token
STL Bond TokenizeMe Token

Corporate MG Token

11
 STC Exchange
The open market and the free investments are the great motors for fast
implementation of new solutions. This is why STC Exchange will be open for the
STC-based token listings and crowdfunding. After the token is created at the
STC Terminal and will undergo the initial verification, the founder will have a
free option to perform crowdfunding and listing at STC Exchange.

A lot of projects will be able to gather funds via their tokens at STC Exchange
and develop businesses based at the token development. The crowdfunding at
STC Exchange will be performed only with STC Token as the currency, while
investors will receive the newly created tokens. The tokens that will choose to
perform crowdfunding will have to pass the different levels of review and
provide necessary documentation - that will allow investors to have better
insights into the projects. Although the main idea is to keep the crowdfunding
as free as possible, most of the projects will need to pass KYC procedure.

Some of the projects and people may also decide to go straight toward a
listing, or staking, and omit the crowdfunding process. The tokens created at
STC Terminal will be freely listed at STC Exchange in a set category and to the
STC as the only base and reference currency. STC Exchange will create some
basic market making and liquidity solutions that will be available for the
verified tokens.

Finally, giving free access to listing, with the tool for the easy token
establishment will make the STC Exchange the biggest crypto exchange in
terms of the number of listed assets, even outrunning DEX exchanges as
Uniswap.

Check the STC Exchange at:

https://exchange.studentcoin.org/

12
 STC logo
The official Logo of the
Student Coin project

The logo relates to the Student cap – the European traditional sign for the
student’s community and the dark blue color, that signifies technological
advancement.

The color of the logo may vary on other Student Coin designs.

13
 Project
development plan
The project is divided into seven major phases reaching the full utilities
after the Phase 5 and the STC Launchpad ICO.

Phase 1 – Backend preparation (01.2018 – 12.2019)

Establishment of the Student Coin idea

Phase 1
Settlement of Student Coin Team

The formalization of the project structure

Formalization of the legal structure

Setting the project’s budget and promotion scheme

Launching the Waves token version

Listing at Waves DEX exchange

Preparation for the First Student Airdrop

Phase 2 – Token Launch (12.2019 – 06.2020)

Distribution of the first part of Student Coin for
Kozminski University students and faculty

Creation of the official website

Phase 2

Creation of the official market StudentCoin/BTC

Establishing the voting system

Distribution of the first part of STC tokens around the first

60 universities

Gaining the first 5 000 users

Listing at first three exchange

14
Phase 3 – Initial international distribution (07.2020 – 12.2020)

Launching the Ethereum blockchain as the second mainnet for

Student Coin

Phase 3
Launching the first Student Coin based students’ petition signing

Distribution of coins at 10 major worldwide universities

Adding the support for the top world’s 500 universities

Listing at Coinmarketcap

Presale Performance

Launching the complex educational panel

Listing at CoinTiger

Launching test staking option

Phase 4 – STC Launchpad ICO

performance (01.2021 – 06.2021)

Preparation for the Launchpad ICO

Phase 4

Distribution of Student Coin to the world’s top 50

universities, including Harvard University, Stanford
University, and the London School of Economics

The major STC Launchpad ICO performance

Listing of the Student Coin at major crypto exchanges

Developing the STC Terminal, STC Exchange and STC

App solutions

15
Phase 5 – Establishing the universities’ ecosystem (07.2021 –
03.2022)

Launching STC Terminal

Phase 5
Launching STC Exchange

Launching STC App

Tokenization of the first DeFi loan

Tokenization of the first person

Tokenization of the first startup

First STC Exchange listings and crowdfundings

Launching the staking solution

Phase 6 – Leading the world wide-scale

tokenization (03.2022 – end of 2023)

Launching the STC-based venture capital funding STC

Phase 6

Exchange

Launching the full crowdfunding program

Launching the STC Bank solution

Gaining a strategic partnership with the world’s top universities

and organizations

Phase 7 – Establishing the full STC ecosystem (2024 +)

Launching the out of blockchain solution

Launching the option to tokenize every utility and person

Phase 7

Launching the solution to tokenize bigger corporations

Launching the solution to perform grants and STC ecosystem

marketing

Putting the tokenization into the mainstream by education and

STC ecosystem promotion

16
 Supported universities
To gain new non-crypto users and put the tokenization into the mainstream,
Student Coin connects universities and students. Currently, STC supports over
500 universities in 36 countries. The list of universities is being constantly
updated due to the signing of new partnerships and development plans. The
full list of the supported universities is available at:

Supported Universities Page

https://www.studentcoin.org/universities

Mobile app and Token wallets

One of the goals of the project is the development of the native mobile app
called STC App with the full functionality of the wallet, exchange, and the coin
transfer, however, until its establishment, Student Coins can be stored at wallets
supporting Waves and ERC-20 tokens.

Waves Exchange iOS

Waves-based
https://apps.apple.com/us/app/waves-exchange/id1233158971

wallets
Waves Exchange Android

https://play.google.com/store/apps/details?id=com.waves

Waves Exchange PC and MAC

https://waves.exchange/

Metamask Wallet PC and MAC

https://metamask.io/

Ethereum-based

Kanga Exchange Wallet PC and MAC

https://kanga.exchange/register?

wallets

Atomic Wallet iOS

https://apps.apple.com/us/app/atomic-wallet/id1478257827

ERC-20 Token Wallet Android

https://play.google.com/store/apps/details?id=multi.erc20

17
 STC Token Technological
Specification

The Student Coin runs on Waves blockchain

with the Waves-NG protocol, as well as at

Ethereum blockchain that enables secure

value transfer, transitions, and token

exchange. All of the tokens created with

Student Coin and the STC Terminal will be

based on Ethereum with ERC-20 and

ERC-721 standards.

STC tokens can be easily swapped from one blockchain to another –

check the detailed manual at STC Swap.

The following table presents major information about Student

Coin in comparison to Bitcoin.

Feature Student Coin Bitcoin

Ticker symbol STC [STC] BTC [BTC]

Token

02.12.2019 03.01.2009
Launch date

Maximal

number of
10 000 000 000 21 000 000
tokens

18
 Feature Student Coin Bitcoin

The circulating
Project launch

(market
30,000,000 STC

circulation)
18,250,000+
supply of coins Presale: 25,000,000 STC

Launchpad: 6,000,000,000

Number of decimals 2 8

Burnable YES NO

< 5 seconds at Waves

Transaction time ~ 12 minutes

~ 5 minutes at Ethereum

7 STC (0.0035 USD)

Transaction fee at Waves

0.0001 BTC (1 USD)
0.1–5 USD at Ethereum

Native Blockchain Waves + ERC-20 Bitcoin mainnet

Cryptocurrency
Token with crosschain Token

type solution with mainnet chain

Tradable on
exchanges 5 exchanges + All exchanges

Officially tradable STC/BTC STC/ETH

Altcoins

pairs STC/USDT /BTC Fiats/BTC

First launch price

0.0025 USD 1 USD

Blockchain
https://wavesexplorer.com
www.blockchain.com/

explorer https://etherscan.io/token explorer

19
 Token distribution and
mining
All the STC Tokens are pre-mined; hence Student Coin is not minable. The main
distribution of the Student Coin will be made during the official project launch
at STC Launchpad ICO. Before the Launchpad, during the first 3 phases of the
project. A small part of tokens equal to 2% of the total supply was distributed
through the university partners, student organizations, supporting faculty,
team members and marketing airdrops. After the STC Launchpad ICO there
will be no official airdrops performed.

The total supply of Student Coins is 10,000,000,000 STC and the coins in the
market circulation (circulating supply) are limited by each of the development
phases. During the Launchpad ICO the circulating supply will be equal to 2% of
the total supply.

The total supply of coins is reserved for long-term project development (Phase
4+), Launchpad ICO performance, cooperation with new organizations, and
founder-community decision. To guarantee optimal project development at
each of the phases and sustain the healthy circulating supply, the tokens were
listed at a few exchanges before the STC Launchpad ICO.

The supply of Student Coin by the project Phase

Project Phase Number of Tokens

Number of

in Circulating Supply Tokens in Total Supply

Backend
Preparatioon
3,000,000 STC 210,000,000 STC
2019/1
Token Launch
15,000,000 STC 210,000,000 STC
2020/2

20
 International
distribution
150,000,000 STC 210,000,000 STC
2020/3

Launchpad
performance
6,000,000,000 STC 10,000,000,000 STC
2020/4

STC Ecosystem 7,000,000,000 STC 10,000,000,000 STC

building

2021/5

Wide-scale
Tokenization
8,000,000,000 STC 10,000,000,000 STC
2022/6

STC Global
Ecosystem
8,124,000,000 STC 10,000,000,000 STC
2024/7+

The big parts of Student Coin are distributed via the big Foundation hold
wallets for specific development goals, the following Foundation holds will be
established:

Development Wallet

STC Launchpad Wallet

with operational funds, not

permitted to move or being traded
(excluding MM). The funds from
this wallet will be spent on the
affiliate program during the STC
Launchpad ICO, market making
activity (MM) and as a reserve for
with backup funds, not
permitted to move or
being traded. Funds from
this wallet are reserved
for the STC Launchpad
ICO.

the STC Exchange development.

21
 Marketing Wallet

Distribution Wallet

with marketing funds, not
permitted for being released
into the market. The funds will
be used during establishing
the long term partnerships,
creating grants at STC
Exchange and performing
bounty during the
Launchpad.
with the funds used during the
early stage of development to
perform airdrops (before the
Launchpad), gain first partnerships
and construct the Team and
Advisory Board. The wallet
consisted of tokens freely
distributed during airdrop, for the
team and advisory board and
liquidity at exchanges.

The following table shows the planned distribution of coins

Group of STC Holders Number of Coins

STC Launchpad Wallet 5,000,000,000 STC

Development Wallet 2,400,000,000 STC

Marketing Wallet 1,600,000,000 STC

Distribution Wallet 800,000,000 STC

22
The graph below presents the percentage distribution of
coins of the total supply of Student Coins.

Universities and

Team and Faculty Distribution

Advisory Board

Partnerships Strategic Development

2%
24 %
8%

STC Token %
8%
distribution

8%
50 %

Marketing

Token Sale

23
 STC Launchpad ICO

The first three phases of the development were financed from the Phase 2 market

distribution (0,005% of tokens), presale that reached a cap of 120 ETH (0,002%

of tokens), and supporting companies. Cryptocurrency holds, development plan,

smart-contract, social media, documentation, and token script property rights are

supervised and owned by the company Student Edu Chain Ltd.

To fund the project, after successful completion of Phase 3, Student Coin will

launch the STC Launchpad ICO. The Launchpad will be performed from the 1st of

February 2021 till the end of April 2021. The total funding, rules and information

about the Launchpad will be disclosed in a separate document.

The funds gained during the Launchpad ICO will be used to create:

STC Terminal STC Exchange STC App

List Student Coin Develop the Establish

at top world educational Partnership with

exchanges database top universities

24
 Student Coin Team

The Student Coin Team is built by students, entrepreneurs and faculty from 20

universities, including the top schools as Kozminski University, New York

University, Harvard University, Stanford University, University of Oxford,

London School of Economics, University of Warsaw, Maastricht University,

Imperial College London, Warsaw School of Economics, University of Kent,

University of Glasgow, University of Melbourne, University College London,

Lund University and the University of Glasgow.

The international STC team consists of 51 members. Student

Coin ’s Core Team Members are:

Wojciech Caesar Dr Andrzej Peter

Podobas Tabota Kuśmierz Barbachowski
Student Coin CEO Chairman of the Student Coin
Student Coin CTO
& Founder Advisory Board COO

Maciej Jacob Maja Michal

Dejneka Kozakiewicz Synowiec Kożuchowski
Head of Business
Head of PR Head of Marketing Head of Legal Section Development
 Contact information
All additional information about Student Coin project
can be obtained by directly contacting the team at

office@studentcoin.education
Official project website

https://studentcoin.org/

For Student Coin Support and chat

https://t.me/studentcoin

Community News Page

https://twitter.com/studentcoinorg

Supported Waves-based Exchange

https://waves.exchange/

Supported Ethereum-based Exchange

https://kanga.exchange/register

Supported Ethereum-based Token Swap

https://app.uniswap.org/#/swap

Community Facebook Page

https://www.facebook.com/studentcoin.org

Block explorers & Listings:

https://coinmarketcap.com/currencies/student-coin/

https://coinpaprika.com/waluta/stc-student-coin/

https://etherscan.io/token/0xb8B7791b1A445FB1e202683a0a329504772e0E52

https://wavesexplorer.com/

https://wavesdesk.com/

26
 References &
cryptocurrency
dictionary
Media information:
https://thebitcoinnews.com/student-coin-overview-and-review/

https://cryptoadventure.org/stc-review-the-first-academic-student-coi
n-in-the-world/

http://www.digitaljournal.com/pr/4776700

https://thecapital.io/article/stc-review-the-first-academic-student-coi
n-in-the-world-MFtFUykbbpQmln1deLw

https://cryptoexploit.com/student-coin-stc-students-entrepreneurs/

https://www.cryptofolds.com/student-coin-stc-the-first-token-linking-le
arning-institutions-students-and-entrepreneurs

Cryptocurrency dictionary:
https://cryptoticker.io/en/cryptocurrency-crypto-dictionary/

Books and articles:

Podobas Wojciech. 2019. Cryptocurrency Encyclopedia: the
comprehensive guide through the 100 most important
cryptocurrencies. Amazon Inc.

Podobas Wojciech. 2018. The characteristics of the

cryptocurrencies mining market compared to the perfect
competition. Academia.edu.

27