RUBY ecosystem powered by ipaynow.io

Summary

Using blockchain technology, we provide a powerful tool to merchants, consumers, buyers, sellers and any businesses to own a new

digital asset class, Ruby. It is the basis for Rewards and Loyalty Programs and a unique membership, that Ruby ecosystem will create a

vibrant activity that is enriching and rewarding for all participants.

Website : https://ipaynow.io

RUBY

A decentralized global rewards wallet

CONTENTS

What is Ruby

Ruby Architecture

Its use cases

Incentives and Rewards

Its eco-system

Roadmap

Over The Counter (OTC) Exchange

CURRENT CHALLENGES

Consumers are getting more savvy – only buy promotions

Rewards always belong to the same merchants who gave the rewards

Short expiry dates (usually 3-12 months)

Cannot monetize into local cash

Confusing rewards structures

Limited to certain merchant groups

Low rewards (0.3%-20%)

Merchants find it very high cost without significant increase in revenue

WHAT IS RUBY ?

A new asset class using blockchain technology

It is secure digital money in a secure network

It manages the Rewards and Loyalty programs

Create a powerful community with merchants and consumers

A decentralized global wallet that is borderless

A powerful marketing tool in all aspects of commerce

Payment gateway to reduce cost of doing business

RUBY ARCHITECTURE

RUBY WALLET RUBY WALLET

- BUY REWARDS/ PARTICIPATE IN GAMES

TO INCREASE REWARDS HOLDING

- STAKING REWARDS

- DAILY RUBY BONUS

Decentralized Ethereum Mainnet

(Network Fee)

- OFFLINE OR ONLINE (DECENTRALIZED MALL)MERCHANTS

PEER – PEER EXCHANGE

TRADE RUBY (TRANSFER)

REFERRAL

NOTIFICATION ON LATEST UPDATES

MULTI-CURRENCY WITH REAL TIME GLOBAL RATES

Cloud Server

CASE STUDY

Restaurant owner sees increase in number of customers by 20%

Monthly revenue increase by 25%

High-end health supplement owner did more than 20k product sales in a weekend

Best selling product was out of stocks 2 weeks earlier

Neighbourhood F&B owners seeking to open 2nd branch after using similar reward system for 6 months

MAIN FEATURES

1. Consumers’ rewards system in a unifying global wallet

(increases customer’s loyalty)

2. Merchants’ loyalty rewards system at no extra costs (save

time and resources)

3. Merchants business enhancement (up to 164%)

4. Remove credit card fees and bank charges

5. Online merchants are happy with no chargeback costs

5. Customer satisfaction with purchase using Ruby (rewards

and rebates)

RUBY INCENTIVES

PEER TO PEER

Fund transfer direct with SEND

Receive fund with RECEIVE direct into wallet

EARN REWARDS

DAILY DISTRIBUTION REWARDS IN RUBY BASED ON TOTAL

REWARDS

FIXED PERIOD STAKING OF

REWARDS TO GET BETTER RETURNS

REFERRAL PROGRAM

EACH DIRECT REFERRAL EARNS ON EVERY SEND AT 2%

EACH SUBSEQUENT REFERRAL EARNS ON EVERY SEND AT 1%

EARN DAILY RUBY WITH HIGHER REWARDS

EVERY RUBY SPENT, YOU GET 1% REWARD POINTS

RUBYMALL EVERY PURCHASES INCLUDE REWARD POINTS

All reward points earn daily interest at 2% per month

as Daily Bonus

Staking reward points earn 1% per month based

on 3, 6, 9, 12 months

MERCHANTS

GPS location based merchants listing

Payment of Ruby accepted

Top up Ruby with local cash payment

Add on services e.g. mobile network operators

Lower cost of goods and services sold

Ruby ecosystem cuts across many industries

No expensive rebates and rewards system

RUBY BUSINESS MODEL

Strategic Business Partnership with key stakeholders in-country- White Label- Wholesale Ruby- Joint Marketing- Revenue Share- Global Card via

UnionPay, Visa, Mastercard

ROADMAP

Global Card

Partnership with UnionPay, Visa, Mastercard

Live conversion of Ruby into Multi-currency

Spend into worldwide network in the currency of choice

Monitor online Card spendings

Block Card on mobile app if stolen

ATM access worldwide

Online Ruby Store

Curated vendors at best prices for sales on RubyMall

Wide varieties of goods and services

100% Ruby payment with guaranteed delivery or full refund

Attract reputable vendors around the world for quality goods and services

RUBY OTC EXCHANGE Peer to Peer Ruby Exchange

Fiat currency to Ruby and vice versa

Ruby Escrow to prevent dishonest sellers

Buyer and seller transact local currency

Proof of Payment by Buyer

Proof of Receipt by Seller

Peer review and rating of buyer & seller

Preferred payment methods

Fast liquidity

MEMBERSHIP FEE

Membership categories Monthly Fee

-Ordinary Free

-Emerald 500 Reward Points

-Sapphire 1000 Reward Pts

-Diamond 2000 Reward Pts

GLOBAL USERS ADOPTION

1. Local business partners in country

2. Merchants acquisition in Ruby payment

3. Over The Counter Trade of Ruby cross border

4. Incentives for all Ruby users

HOW RUBY WORKS

- USD 1000+ USD 1000

- 990 RUBY (-1% Ruby)

Merchant Wallet Consumer Wallet

- 1000 Ruby

1 RUBY = 1 USD

Consumer wants to buy handphone

+ 10 REWARD (1 %)+2% (Referral Level 1)

+ new handphone- Sold one handphone

+1% (Referral Level 2) + New Ruby Member

- Send 10,000 RUBY+ 9,900 RUBY (-1%)

Merchant Wallet Buyer Wallet

+ 100 REWARD (1% Rebate)

1 RUBY = 1 USD

Merchant has bulk clearance sales

- Sold 1000 cartons of biscuits + 1000 cartons of imported biscuits

Sell 9900 RUBY for USD (OTC Exchange)

- Escrow fee (5%)

Ruby User Ruby User

1 RUBY = 1 USD

Global Card – UnionPay, Visa, Mastercard

- Global Network of Visa, Mastercard, UnionPay merchants payment

- Multi currencies

- History of global card spending

- Physical card PIN and BLOCK control on mobile.

Ruby User Ruby User

1 RUBY = 1 USD

Digital Assets (ETH, USDT) to Ruby

- ERC20 Assets like ETH, USDT conversion to Ruby for spending

- Ruby as fixed rate to world foreign exchange rate of 1 Ruby = 1

USD

- Ruby to buy Digital Assets from RubyMall like BTC, ETH, etc

+ 980.10 Ruby (1% tax)

+ Buy 1000 Ruby

+ Less 1% Ruby as tax

Ruby Agents Wallets ** Buyers/Sellers Wallets

+ 1 % Reward

1 RUBY = 1 USD

Peer to Peer Exchange

- Sell 990 Ruby + Buy 990 Ruby

Ruby Distributor

100 %** Ruby Agents appointed by Distributors

MERCHANT

BENEFITS

◦ Merchants use RUBY as a marketing tool to attract more new

customers and increase the loyalty of existing customers.

◦ Merchants give away Ruby to their customers like gift vouchers

◦ Merchant, if required, can cash out to local currency in OTC

Exchange on our app.

◦ Merchants increase sales revenue by 164% !

◦ Merchants can EARN and BUY REWARDS on app to accumulate

more digital assets in RUBY

◦ Merchants receive passive REWARDS via referral system with

unlimited users at two levels.

◦ Merchants start to build a community network of suppliers,

manufacturers and businesses into the RUBY ecosystem.

◦ With MALL, buyers and sellers come to the marketplace where

100% RUBY is widely accepted as a medium of exchange.

CONSUMER

BENEFITS

◦ Consumers increase their spending power over long term based on

given rebates

◦ Consumers earn referrals when they introduce RUBY to their friends

and their regular merchants.

◦ Consumers convert their local currency spendings into digital assets

and enjoy passive earnings while spending

◦ Consumers now able to spend worldwide as RUBY network

community expands.

◦ With EARN and BUY REWARDS, consumers manage their digital

assets for higher returns.

◦ With gamification, consumers will try their luck to be actively

engaged in RUBY

◦ With MALL marketplace, consumers pay 100% RUBY for any items

of interest eliminating expensive credit card charges and thus lower

price.

DOWNLOAD MOBILE APPS

Now available at Google Playstore and Apple Appstore

Get FREE USD 10 reward points.

iPayNow Ruby