MyConstant Token

Technology
The MyConstant ecosystem uses cutting-edge technology and process automation to deliver
the benefits outlined in our mission. Our core system integrates independent components to
deliver our services effectively with high and easy scalability.

Fiat Management System

This system consists of two main components:
1. A fiat management system to manage the funds within MyConstant, that includes:
a. KYC: An automatic KYC system using OCR to extract information from customer
ID cards. This KYC system acts as the first gateway to verify customer identity
and ensure each individual joining the platform abides with
anti-money-laundering (AML) regulations.
b. Fiat custodian: as a non-custodial platform, we rely on a third party to provide
custodial services. At the moment, fiat is stored with PrimeTrust, a regulated
custodial service that stores funds across multiple insured bank accounts to a
total of $250,000.
c. Debit card: We believe that spending online is fundamental to a customer’s
financial journey. Using Evolve Bank to manage and issue cards for customers,
MyConstant lets customers spend their balance and ensures they can maximize
use of their money inside its platform. The debit card balance is insured to
$250,000.

2. A fiat transaction management system to manage the transactions in and out from
MyConstant, that includes:
a. AI fraud prevention: this is an AI system using big data to detect suspicious
transactions or fraud to prevent attacks.
b. ACH credit score: this is used to manage the credit score for ACH transactions.
The higher the ACH credit score, the more ACH transactions the customer can
initiate at the same time, and the higher their instant credit balance.
c. Bank connection: our platform integrates with Plaid to authenticate and manage
transactions.
d. Personal budgeting: this system helps customers track their income and
expenses. Reports include platform activity such as deposits, withdrawals,
spending, and so on, providing a full picture of financial behavior on MyConstant.
MyConstant Oracle
Asset management distribution: How we manage assets and collateral in the cold and hot
wallets. Depending on the liquidity of the token and the stage of the market, we will decide on
the percentage of assets in the cold and hot wallets accordingly.

Data analytics prediction model: We have built a model to predict customer behavior more
precisely to determine the balance between hot and cold storage for more efficient operations.

Wallet management: we integrate different blockchains to accept deposits from multiple chains,
providing convenience for customers in terms of swapping and management. This feature also
allows customers to keep track of their assets and swap between them instantly.

Real-time assets monitoring: We monitor asset value from multiple sources in both
decentralized and centralized exchanges to determine liquidation points, limits on loans, and so
on.

Automatic notifications: The system informs customers of changes to the platform and makes
sure they are aware of their transactions on MyConstant.

Token Utility
The token grants holders MyConstant benefits:
● Invest: 20% higher interest with fixed-term products.
● Lending Lottery: 5 free tickets per week if customers choose to receive interest with MCT
● Borrow: 20% lower interest for fixed-term products if repaid in MCT
● Crypto swap: 20% lower fee if the swapping fee is paid in MCT
● NFTy Guild: 50% lower fee if paid in MCT
● MyConstant card: 0.5% cashback
Allocation

Allocation % Amount
Community 50% 450,000,000
Token sales 20% 180,000,000
Core team 20% 180,000,000
Reservered 10% 90,000,000
Total supply 100.00% 900,000,000
MCT Vesting Plan for the Team

Vesting Plan for the Team

After initial 20% (36,000,000)
After 1 years 20% (36,000,000)
After 2 years 20% (36,000,000)
After 3 years 20% (36,000,000)
After 4 years 20% (36,000,000)

Funds Usage
All the funds raised at the Private sale, seed and IDO stages will be used for the successful
launch and subsequent intensive development of the project.