EQ GROUP

Lite Paper
Version 1.3
April 14, 2021

Facilitating mass adoption of cryptocurrencies, NFTs and

DeFi products by simplifying their usage
in everyday life
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Disclaimer

The information shared in this litepaper is not all-encompassing or comprehensive and in no

way intends to create elements of a contractual relationship or to implicitly bring them into
effect. The main purpose of this litepaper is to provide potential token holders with
pertinent information in order for them to thoroughly analyze the project and make an
informed decision. Before entering into the purchase of IQV4U Coins, we strongly
recommend that you carefully study all related documents, including the contract relating to
the purchase of the same. 'You may also wish to engage the services of appropriate experts
to assist you with investment and tax related analysis. Certain statements, estimates and
financial information featured in this litepaper are forward-looking statements that are
based on and take into consideration certain known and unknown contingent liabilities and
risks that may cause the estimated results or may differ factually and substantially from the
featured estimates or results extrapolated or expressed in such forward-looking statements
herewith.

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 Facilitating mass adoption of
cryptocurrencies, NFTs and DeFi products,
by simplifying their usage in everyday life

EQ Group is an Austrian Fintech company whose aim is to facilitate blockchain-

technology mass adoption, by simplifying the use of cryptocurrencies, NFT’s and DeFi
products in everyday life. EQ Group’s disruptive banking solution, the 'PowerWallet', is a
hybrid of a crypto wallet and an internet banking app, utilizing a virtual pooling concept
to allow crypto assets to be factored into the total spending limit for debit and credit
card payments. This virtual pooling feature will extend to freeing up crypto liquidity to
be used for traditional banking payments, like bank transfers, standing orders and direct
debits. EQ Group’s social fintech products aim to create a link between crypto and fiat
assets for its European customers, as well as accelerate financial inclusion within the
Middle East and North Africa (MENA) Region.
In contrast to Binance, Crypto.com or NEXO, the EQ Group offers far more than a card
connected to a crypto wallet, as their PowerWallet enables the complete automation of
spending on crypto assets. PowerWallet will allow users to make money transfers, direct
debit or debt collection payments, without the need to manually convert crypto into
fiat. PowerWallet will be user-friendly and an easy-to-use product for customers of any
age, irrespective of their previous experience with crypto.
With the integration of the messaging and social media app ‘flaim’, the EQ Group has
acquired over 1 million customers in Africa and across the globe. This has opened the
possibility of integrating payment services directly into the #flaimapp, which will enable
the rapid adoption of simplified mobile banking in the respective regions.
IQV4U is a virtual currency, representing the commercial value across the entire EQ
Group ecosystem. As the IQV4U coins are being used for rewards and cashback within
the MobileCommunity, the continuous expansion of the user base and the use of a wide
range of products creates a natural demand for the coin. The IQV4U coin is an ERC-20
token currently listed on Uniswap, 1inch exchange and Chaintoro with the aim of
becoming a cross-chain asset and being listed on various DEXs and CEXs.

VIRTUAL POOLING SYSTEM

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 Unique Selling Points

• Connecting traditional fiat currency with digital currencies thereby making it accessible to
everyone in everyday life in the simplest possible way (fictive pooling concept)

• First mover advantage in the individual life-insurance NFTs space – one of the most
lucrative and yet unexplored market segments within DeFi

• In-house messenger ‘flaim’, social media marketplace ‘flaim-market‘ and payment system
‘flaim-pay‘ with over 1 million combined users and growing, creating a natural demand by
using the platform products and services

• Combining online and offline channels for partner and client acquisition (existing 10,000
sales agents plus a dedicated sales team)

• EG Group’s internal community platform ensuring cross-selling and client loyalty

• Standardized plug-ins for product suppliers enabling the connected communities and their
partners to generate revenue and profitability. This commercial interface is a challenge
many of the existing fintech companies find difficult to overcome, often only being achieved
by penalizing their users with unnecessary fees

• Specialized industry teams leading the various EQ Group divisions, in particular banking,
insurance, digital assets, social media, sales and community

VALUE CREATION CYCLE

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 Core Products, Services and Partners

Each of the EQ Group’s investors, advisors and strategic partners have been carefully selected
based on their ability to support the company for long-term growth, sustainability and
profitability.

PowerWallet
PowerWallet is a hybrid mobile banking app and crypto wallet, which will simplify
the use of digital assets, such as cryptocurrencies and NFT’s, in the daily
transactions of European and Middle Eastern users, while aiming to bank
unbanked users across the emerging markets in Africa.
flaim
flaim is more than a messaging and social media app – it is a lifestyle super app
forecasted to grow to over 100 million users globally. Today it is especially popular
with African users. Upon the integration of PowerWallet, users will have the ability
to not only chat and make calls but also to make mobile payments using the flaim
pay feature.
MobileCommunity
MobileCommunity - the market place platform of the EQ Group – it is the sales and
product platform to market the products of the EQ Group via external suppliers, to
create rapidly growing customer and sales partner portfolios, ensuring long term
commission income for these suppliers and partners.
Okobono
Okobono is a platform for insurance and financing, which has digitalized the
onboarding of insurance clients, their insurance agreements and the process of
making offers to acquire clients from various channels of the EQ Group ecosystem.
Chaintoro
Chaintoro is an intuitive, easy to use, licensed cryptocurrency platform to buy, sell,
borrow and trade crypto assets, based in Tulln, Austria. EQ Group owns a 26%
stake in Chaintoro.

Strategic, current and perspective partners

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 Roadmap

Q3 2020
• Launch of MobileCommunity 1.0
• Integration of flaim Q4 2020
messenger, with 0.5 • Launch of IQV4U token
million subscribers on Ethereum
• Release of EQ Group Lite Paper • Uniswap listing
• Private Round Investment • 1inch Exchange listing
• Start of Chaintoro
exchange activities
• Listing on Blockfolio app
• Listing on MoonieSwap
Q1 2021
• Launch of Q2 2021
MobileCommunity 2.0
• Integration of PowerWallet • Listing of IQV4U on
into the MobileCommunity Chaintoro
platform • Opening new HQ in UAE
• Enabling cross-chain
interoperability for
IQV4U token on BSC
• Introduction Just Pay
and flaim market
Q3 2021 • Launch of PowerWallet
• Obtaining crypto • Launch of OKOBONO
licencing UAE Insurtech platform
• Reaching 1million
subscribers
• Global expansion: Q4 2021
Middle East and Africa • Launch of the DeFi
platform of individual life
insurance policy NFTs
• Launch of the
PowerWallet stand-alone
2022 mobile app
• Reaching 10 million+
subscribers in
Just Pay and flaim-
marketplace 6
 IQV4U

IQV4U is the signature virtual currency of the EQ ecosystem. The total supply of IQV4U tokens is
4 billion tokens. It is currently ERC-20 type token, with it’s launch on BEP-20 anticipated in Q2 2021.

IQV4U coins holders will be rewarded for participating in various activities within the ecosystem.
IQV4U coins can be purchased on the open market or by participating in various activities of the
MobileCommunity.

Part of the sales commission will be used to provide long-term liquidity, which will in of itself help
to ensure token-exchange rate stability, coupled with its steady appreciation. At the same time, the
IQV4U tokens, which are awarded to community members as rewards, will be purchased by the EQ
Group on the open market, thereby creating an organically growing, continuous buy-side demand
for the coin.

IQV4U token allocation

(based on maximum token supply)

Seed sale – 9%
Private sale – 18%
Team – 5%
Ecosystem development – 15%
Liquidity provision – 10%
EQ foundation reserves – 20%
Participation rewards – 5%
Product and marketing – 17%
Advisors – 1%

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 Use of proceeds and outlook

The funds received through private sale will be allocated as follows (proportion can change based on
business needs):

• 40% product development: development of the EQ Ecosystem according to the product roadmap,
hire new blockchain developers

• 30% business development, legal fees and strategic partnerships, as well as expansion of
customer base, initially in the EU, Middle East and North Africa, where EQ Group is already
established. Proceeds will also be utilized to secure partnerships with other strategic players in the
industry, as well as enable collaborations with a network of celebrities and crypto influencers, in
order to increase token usability

• 20% communication and marketing. Invest in PR and marketing campaigns to increase the
project’s awareness and IQV4U token’s adoption as well as build and expand strong international
communities

• 10% reserve funds, in order to provide liquidity for future listings and ecosystem functionalities

IQV4U token release schedule

100% Seed sale
80% Private sale
Team
60% Ecosystem development
Liquidity provision
40%
EQ foundation reserves
20% Participation rewards
Product and marketing
0% Advisors
2021 2022 2023 2024 2025 2026 2027 2028 2029

The EQ Group has already reached several milestones, such as the integration of the flaim super app
1.0 with 0.5 million subscribers and the MobileCommunity platforms 1.0 & 2.0 with over 10,000
sales partners. Facilitation of blockchain technology mass adoption is still largely untapped, which
creates a great opportunity for EQ Group.
EQ Group is uniquely positioned, as it aims to simplify the usage of cryptocurrencies, NFTs and DeFI
products in everyday life. Further improvements to the PowerWallet and the release of the stand-
alone app in the Q4/2021 will significantly increase the benefits of the entire EQ ecosystem. After
the successful completion of the ICO with over 15,000 private investors, the EQ Group's conversion
into the DeFi space will reduce systemic risk and increase the long-term profitability of the project.
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 Team

Derek Roga, CEO

Derek has 25 years of entrepreneurial experience leading innovation within the telecommunications
and related software industry. Today he is leading the charge in redefining the social contract for social
media platforms with their subscribers; as Founder and CEO of Zurich based EQUIIS Technologies
Switzerland AG that has launched flaim, the disruptive social fintech super app ecosystem that rewards
its subscribers, while advocating a strong focus on data privacy versus data piracy. Most recently the
company has successfully completed an M&A transaction with EQ Fintech Fonds, a leading Austrian
fintech company .

Gerald Schreiner, Founder

Gerald has 22 years of banking and entrepreneurial experience in leading innovation within the banking,
payment and related software industry. Gerald has been responsible for identifying key personnel to
execute on this vision along with a driving force leading to the transaction with EQUIIS for the “flaim’
social fintech app, which serve4s an ecosystem of users across Africa, Europe and the Middle East. Over
his career he has worked with international banks in the A&CEE region in securing over € 1.2 billion
value for his shareholders.

Thomas Liebert, CDO

Thomas is a highly experienced practice-related manager with profound entrepreneurship and
extensive experience in restructuring, reorganization and the establishment of medium-sized and large
enterprises particularly within the technology sector. Over the course of his career, he has managed
large scale internal and external projects. He has 30 years of global experience in these fields having
worked in more than ten countries across Asia, Europe and South America.

Friedrich Geist Chris Rapp Stojanka Lazic Irakli Ninua

Founder of Chaintoro UI & UX Design Project Manager Crypto Treasurer

Dominik Huber Ted Motuzas Nona Punka Gabriel Parjol

Legal flaim Technology Online Marketing Social Media 9