EQ GROUP

Lite Paper
Version 1.2
April 13, 2021

Facilitating mass adoption of cryptocurrencies, NFTs and

DeFI products by simplifying their usage
in everyday life
Disclaimer

The information shared in this whitepaper is not all-encompassing or comprehensive and does not in
any way intend to create or put into implicit effect any elements of a contractual relationship. The
primary purpose of this whitepaper is to provide potential token holders with pertinent information
in order for them to thoroughly analyse the project and make an informed decision Prior to your
participation in the purchase of IQV4U coins, we strongly advocate a careful study of this litepaper all
the documents associated with the same, including the contract in relation to the purchase of the
same. You may even engage the services of appropriate experts to help you with investment
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 contingencies and risks which in eventuality 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.
 Introduction

EQ Group - Facilitating mass adoption of

cryptocurrencies, NFTs and DeFi products, by
simplifying their usage in everyday life
EQ GROUP is an Austrian Fintech company, which aims to enable by simplifying the use of
digital assets, such as cryptocurrencies and NFT’s, with disruptive banking solutions, via
fictive pooling concept. IQV’s Blockchain powered PowerWallet together with its social
fintech super app will not only create a link between crypto and fiat assets for its
European customers, but also facilitate and accelerate financial inclusion within the
Middle East and across the African continent.

With the integration of the messaging and social media super app flaim, 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 these regions.

IQV4U is 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.
 Unique Selling points

• Connecting traditional fiat currency with digital currencies whereby 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 and social media marketplace with over 1 million subscribers 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
person plus sales team)

• 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, a challenge many of the existing fintech
companies find difficult to attain and can only be accomplished by penalizing their users with
unnecessary fees.

• Specialized industry teams lead the various EQ GROUP divisions, in particular banking,
insurance, digital assets, social media, sales and community.
 Core Products and Services

Prower Wallet
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 for over 5
million subscribers across the world, especially popular among African users. Upon
integration of PowerWallet users will have ability not only to chat and make calls
with friends but also to make mobile payment using Just Pay feature.

Mobile Community
MobileCommunity - the "Amazon" platform of the EQ Group - 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 portfolio ensuring long term
commission income for these supplier and partners.
Okobono
Okobono is a platform for insurance and financing, which digitalized the onboarding
of insurance clients, their insurance agreements and offers to acquire clients from
various channels of the EQ GROUP ecosystem.

Chain Toro
Chainto is an intuitive, easy to use licensed cryptocurrency platform to buy, sell,
borrow, trade crypto asset based in Tulln, Austria. EQ GROUP owns a 26% stake in
Chaintoro.

Strategic, Current and Perspective Partners

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

Q3 2020 Q4 2020
• Launch of Mobile
• Launch of IQV4U token
Community 1.0 on Ethereum
• Integration of flaim • Uniswap Listing
messenger, with • 1inchExchnage Listing
0.5M subscribers • Start of ChainToro
• Release of EQ GROUP Lite exchange activities
Paper • Listing on Blockfolio
• Private Round Investment app
• Listing on MoonieSwap

2021 Q1 Q2 2021
• Launch of Mobile • Listing of IQV4U on
Community 2.0 ChainToro
• Integration PowerWallet • Opening new HQ in
into Mobile Community UAE
platform • Enabling Cross-chain
Interoperability for
IQV4U token on BSC
• Introduction flaim pay
and flaim market
2021 Q3 • Launch of PowerWallet
• Launch of OKOBONO
• Obtaining crypto Insurtech Platform
licencing UAE
• Reaching 1M subscribers
• Global expansion: Middle 2021 Q4
East and Africa
• Launch of the DeFi
platform of individual
life-insurance policy
NFTs
2022 • Launch of
• Reaching 10M+ PowerWalet Stand
alone mobile app
subscribers in
flaim-pay and
marketplace
 Value Creation Cycle

IQV4U is a virtual currency of EQ ecosystem. The total supply of IQV4U tokens is currently 4 billion.
Token type is currently ERC-20, with launch on BEP-20 planned for Q2 2021.

EQ GROUP token holders will be rewarded for participating in various activities within the ecosystem.
IQV4U tokens 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 ensure
price stability with steady growth. At the same time, IQV4U tokens, which are awarded to
community members as rewards, will be bought by EQ GROUP on the open market, this will create
consistent buy support 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%

IQV4U token release schedule

100.00%

80.00%

60.00%

40.00%

20.00%

0.00%
2021 2022 2023 2024 2025 2026 2027 2028 2029

Seed Sale Private Sale Team

Ecosystem Development Liquidity Provision EQ Foundation Reserves
Participation Rewards Product and Marketing Advisors
 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, the company 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 a 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.

Chris Rapp Stojanka Lazic Irakli Ninua Gabriel Parjot

UI & UX Design Project Manger Crypto Treasurer Social Media

Ugis DeksnisUI & Ted Motuzas Nona Punka Dominik Huber

Marketing flaim Technology Online-Marketing Legal