LitepaperTable of Contents
Introduction to CryptoWallet.com
Crypto Adoption Is Coming

4
4–7

Here’s The Problem

5What Are Crypto Cards, and Who Are They For?

6The Market

Introducing CryptoWallet.com
Our Target Market

Products

6–7

8-9
9

10–11

Crypto Card10

Buy and Sell

10

Virtual IBAN

11

SPEND Token

11

Tokenomics

12–14

Token Utility: CryptoWallet.com Cards

13

Token Utility: CryptoWallet.com App

132

CryptoWallet.com SPEND to Earn

13

SPEND to EARN – Stake SPEND

14

Why CryptoWallet.com?

14Do People Really Want to Spend Their Crypto?

14Our Vision
Meet the CryptoWallet.com Team
CryptoWallet.com Roadmap
Referral Program

15161718

Dual Rewards

18

How it Works

18

Contact UsDisclaimer

19
20–21

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Introduction to CryptoWallet.com
Spend crypto directly from your wallet with no conversion.

Unlock your crypto’s full potential – start spending it instantly anywhere card payments
are accepted.

Crypto Adoption Is Coming
Crypto is a growing market worldwide. 300 - 500 million people, as many as 10% of the world’s internet
users, now own and use crypto. This a 275% increase between 2021 and 2022, and 350% increased between
2022 and 2023, and 520% increased between 2023 and 2024.

Crypto and blockchain companies raised a record $25 billion in capital in 2021, eight times higher than theyear before, and we’ve also seen record increases in the number of crypto and blockchain jobs at banks andother financial institutions.

The world’s largest company by revenue, Walmart, has begun trademarking its own digital currencies, and thesecond largest company, Amazon, is trialing a digital currency and investing heavily in the blockchain
technology that underlies all cryptocurrencies.

One survey showed that 85% of businesses with an income above $1 billion are adopting crypto payments.
Deloitte estimates that 75% of all retailers will accept crypto in the next two years, with half of these retailers
already investing $1 million or more in crypto adoption.

Some of the world’s largest investment banks, like JP Morgan and BNY, have rolled out crypto services andinvested in crypto companies. They’re doing this because they foresee major global adoption in theimmediate future.

From consumers and retailers to major financial institutions, the world is getting ready to use crypto asmoney.

4Here’s The Problem
There is still a gap to be bridged between crypto and mainstream finance. While crypto markets andtransactions have the benefit of being available 24/7, crypto remains difficult to use, easy to lose, anddifficult to spend on real goods and services.

Investors are holding thousands of different cryptocurrencies with no way to easily spend them in the realworld. 63% of the circulating supply of Bitcoin hasn’t been cashed out or moved in the last year.

While many people are holding Bitcoin long-term, and a good 20% of bitcoins are estimated to be lost fromcirculation permanently, this still leaves a significant portion of BTC and other cryptos being held simply
because holders don’t have a straightforward way to spend it on anything.

At the time of writing, there are over 25000+ cryptocurrencies. Many retailers planning on crypto adoption
will adopt high-cap currencies like Bitcoin or stablecoins only, and competing crypto card services currently
offer, at most, a few dozen supported currencies.

These are major issues that are seriously stifling growth in the crypto industry.

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What Are Crypto Cards, and Who Are They For?
A crypto card is a payment solution that allows people to spend crypto on real-world goods and services
without having to convert their crypto to fiat currency like EUR or GBP. Users can typically make a payment
anywhere that regular debit or credit card payments are accepted.

Let’s look at the market for these cards.

The number of people employed in the blockchain sector grew 80% in 2022-2023, and many of thesepeople are paid in crypto.

There are thousands of people earning crypto from salaries, mining, staking, and trading, and they don’t havean easy way to spend their money.

34,000 Web3 developers committed code in 2021, and the rate of downloads of Web3 coding libraries
needed for development has tripled since then. In 2022 we saw that growth up to 61000 web3 developers,
which demonstrates up an 80% spike in the target audience (even during the slow market conditions)A study of 100,000 contract workers from various industries showed 5% of all workers receiving payment incrypto. All of these people need a solution that allows them to spend crypto easily.

The Market
Web3 developers
Crypto company employees
Blockchain sector employees
MinersStakers
Yield Farmers
An estimated 5% of global remote contract workers (freelancers)

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A survey also shows that half of the entire Gen Z population and one third of millennials are interested inbeing paid partly in crypto.

Due to the size of the market, there is already a growing demand for crypto cards worldwide. Polls suggestthat 5% of the US population already owns a crypto debit card, and Visa crypto cards saw $2.5 billion in
turnover in Q4 2023 alone.

Let’s say someone is holding a cryptocurrency other than Bitcoin (called an altcoin) and they want to spend it
on real goods and services. They are typically forced to swap altcoins for BTC and pay the required fees
involved to do this, and then to find a vendor who accepts BTC. Alternatively, they can cash it out into fiat
currency which is equally expensive.

On the Crypto.com platform, users face up to 8% slippage when trying to top up their card to use
cryptocurrency as money.

Options for Spending Crypto

User Experience

Send their crypto to an exchange, cash it out, and send thismoney to their fiat account for spending.

This is a multi-stage process with long transaction times,
fees, and inherent risks in moving crypto from one place toanother.

Use an existing crypto card.

The vast majority of these cards offer a limited selection ofhigh-cap currencies only, such as Bitcoin and Ethereum.

Order a card with more crypto options from a crypto
exchange like Binance or Coinbase.

The process of navigating these exchange apps to the card
section is overly complicated and the fees are high. These
services are not built with spending crypto from a card built-in
to the user experience, and users are faced with multiple
menus for types of advanced trading accounts and features
unrelated to spending.

Order a card from CryptoWallet.com.

Our app is specifically designed for spending crypto from acard. Every aspect of user experience is catered towards thisprocess being fast, affordable, and easy to understand, withas few steps as possible involved in ordering and receiving acrypto card.

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Introducing CryptoWallet.com
We believe crypto is money, and it’s meant to be used. CryptoWallet.com is arevolutionary crypto neobank that aims to bring literally any cryptocurrency under thesun to the same level of mass adoption as the dollar or euro.
We aim to create a platform where people will get
to manage their crypto assets in the same way
they would their fiat holdings.

It’s possible to do with a single banking app – butwith crypto instead of fiat. WithCryptoWallet.com, living fully on crypto is finally
going to be a reality.

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The CryptoWallet.com card will be thecheapest solution on the market withthe widest asset selection and a userfriendly interface that allows people tospend crypto instantly anywhere they go.
It’s clear that the Web 3.0 and crypto space ispoised to expand rapidly, and we believe earlyproviders of crypto finance services will corner ahuge part of that growing market. We aim to be amajor player among these early providers, allowing
users to buy, swap, manage, and spend crypto
easily, wherever they go.

Our Target Market
EEA Countries
Europe is the largest crypto market in the world according to Chainalysis report$5 Billion in crypto transacted from 2020 - 2024
25% of all global crypto activity comes from Europe
CryptoWallet.com is authorized in Poland and we are fully legally compliant in handling cryptocurrency
operations in all EEA countries.

9Products
Crypto Card
Spend cryptocurrencies from one card at the lowest cost ever, either from your internal custodial wallet on
CryptoWallet.com or from linked external wallets with instant WalletConnect top-ups. There are multiple
card tiers offering different levels of service and daily limits.

Card

Number of
Supported Cryptos

Conversion
FeesCashback

CryptoWallet.com

100+ supported cryptos

0.8%

Up to 3%

Crypto.com

22 cryptos

2,5%

Up to 5%Coinbase

8 cryptos

2.49%

Up to 4%Nexo

55 cryptos

1.49% - 3.49%

0.5%

Wirex

36 cryptos

N/A

Up to 8% with WXT token

ByBit

5 supported cryptos

0.9%

up to 10% cashback

Crypto IBAN
Pay rent, send bank transfers, and cover any other financial needs using crypto with our IBANs. Simply
choose one of supported cryptocurrencies and spend it by bank transfer or any SEPA invoice. without any

additional conversion necessary.

10Buy & Sell
Users can buy and sell all cryptocurrencies on our platform at real market rates with low fees. They can also
swap cryptos in the app directly, catering to those looking to quickly avoid volatility by moving crypto into
stablecoins, for example.

SPEND Token
Card users will receive up to 3% cashback in $SPEND, a deflationary token which can then be used to unlockhigher tiers on the card as well as earn rewards. We use a referral program to facilitate rapid growth on ourplatform, and referral rewards are also paid out in SPEND Token, making the token an essential part of
CryptoWallet.com.

11Tokenomics
Allocated toPercentage

TokensVesting

Team

20.0%

200,000,000

36 months cliff, then monthly
unlock over 12 months

Advisors

3.0%

30,000,000

12 months cliff, then monthly
unlock over 24 months

Seed Sale

4.0%

40,000,000

6 months cliff, then monthly
unlock over 24 months

Private Sale

6.0%

60,000,000

3 months cliff, then monthly
unlock over 21 months

Public Sale

7.0%

70,000,000

25% on TGE, then monthly
unlock over 3 months

Marketing andLiquidity Fund

15.0%

150,000,000

3.3333% unlocked on TGE for
Initial Exchange Liquidity, thenmonthly unlock over 36
monthsOperationalReserve

15.0%

150,000,000

5% unlocked on TGE for Initial
Exchange Liquidity, thenmonthly unlock over 24months

Cashback
Rewards

10.0%

100,000,000

Staking Rewards

20%

200,000,000

Total

100.0%

1,000,000,000% unlocked on TGE for Initial
Exchange Liquidity, thenmonthly unlock over 36months
0Locked-up at TGE, and will be
unlocked on a rolling basis ata decaying growth rate

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$SPEND is a vital utility token aimed to benefit customers and the platform alike. $SPEND can be earned andused by eligible users in the following key ways.

CryptoWallet.com Cards
Order CryptoWallet.com Cards (for free) by staking $SPEND.
Upgrade your reserved card to a higher tier before it ships by staking more $SPEND.
Receive up to 3% back in $SPEND when you pay with your CryptoWallet.com Card.

CryptoWallet.com AppReceive Referral Rewards in $SPEND each time your friends sign up on the CryptoWallet.com App.
Receive a 50% discount on service fees when you buy and sell crypto if you pay in SPEND.

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SPEND to EARN

Up to 3% 6% APR
in cashback rewards

on $SPEND staking

Why CryptoWallet.com?
Cheapest solution on the market
Spend crypto instantly anywhere that cards are accepted
100+ supported cryptocurrencies, more than any competitor
UI designed to swiftly onboard new card users
Complementary product suite including staking, crypto buy and sell flow, and moreDo People Really Want to Spend Their Crypto?
Statistics from Crypto.com show that 51% of crypto spent from their debit cards went on groceries, provingthat there is a demand for spending crypto on everyday goods and services. 66% of all travel spending on
Crypto.com cards was in the EU.

This indicates that while people often buy crypto as an investment, they are more than willing to cash out
their crypto through debit cards that offer them rewards for doing so. Our card will offer up to 3% cashbackin the native SPEND Token.

For the growing number of people receiving income paid partially or fully in crypto, being able to spend theirmoney without getting hit with high fees is absolutely essential, and CryptoWallet.com offers fees of up to0.8%.

14Our Vision

The ecosystem of CryptoWallet.com allows you to open a new pathway to digital currency services. Conduct
all kinds of crypto operations and spend crypto — easily.

CryptoWallet.com targets the demographic of users working in crypto who receive their salary in crypto,
people earning crypto through contract payments, staking, mining, trading, and investing.

We see the huge growth in demand for people wanting to be paid in crypto, for people wanting to use crypto
cards, and for people wanting to spend Web3 money on real-world goods and services, and we’re here to
bridge that gap and become a major player in early-stage crypto payment adoption.

We aim to be operating in Asia and the US in the next year, and in five years to have outpaced ourcompetitors by continuously listing and supporting more cryptocurrencies, offering lower conversion fees,and keeping our focus and UI simple and easy to understand.

Crypto is money – let’s use it.

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Meet the CryptoWallet.com Team
Our team consists of professionals with relevant experience in the crypto and fintechindustries. We are united by the goal of simplifying crypto transactions and the use ofdigital currencies anywhere in the world.

Aleksandr Smirnin

Aleksei Arno

Business Development

Chief Legal Officer

Linkedin

LinkedinDmitri Ahmarov

Keterin Vendt

Chief Operating Officer

Customer Support and Community Manager

Linkedin

Linkedin+30 Teammates

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CryptoWallet.com Roadmap
We are constantly growing and working towards our goals. Follow our progress and use
the features of our platform that are already available.

Q1 2023
Public platform release
Wallet release
Fiat on/off ramp launch

Q2 2023
Buy/Sell crypto from/to
CryptoWallet.com Accounts+3 new liquidity providers added+5 new networks added
White label Buy/Sell experience
widgetQ4 2023

Q1 2024

Q3 2023
Mobile App release
Referral Program launch+2 liquidity providers added+2 networks added
Checkout and widget forexternal clients

Q3 2024

B2B opportunities

USD fiat currency added

SPEND Token launch+100 crypto supported

Crypto swaps

Recurring payments+2 liquidity providers added
Security system updates
User experience improvements

Q4 20242025

Card product launch

Asia market expansion

SPEND token listed on +2 new
CEXes

Wallet became custodial(network fee paid in tokens)

SPEND token listed on +2 new
DEXes
Userbase reached 100,000

17Referral Program
Our referral program is aimed at driving rapid growth towards the platform. Existingusers can refer new users to gain mutual rewards, with no limit on how many referees
one user can send to the platform.

Rewards are issued as bonuses in SPEND Tokens. This will incentivize both casual users
referring their friends as well as professionals with social media followings such as
bloggers and influencers encouraging their followers to sign up to CryptoWallet.com
through affiliate links.

Dual Rewards
Referrers and their friends receive a bonus in CryptoWallet.com tokens with each successful sign-up. A single
confirmed valid transaction on the new account is required to trigger the reward.

How it Works
A registered user who has passed KYC and made their first transaction is eligible to participate in the referralprogram. They can then invite a friend with their reference code and get their friend to do the same. The
initial user gets 500 SPEND for inviting a new account, and their friend gets 250 SPEND for signing up
through the referral and completing their first transaction.

Referrals are limited to 25 new signups, at which point the user can apply to become a CryptoWallet.com
Affiliate who receives flexible affiliate rewards, perks, and exclusive access to the core development team.
This will incentivize professionals such as bloggers and social media influencers to invite their online
followings to sign up at a larger scale.

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Contact UsWebsiteTwitter

Telegram

Linkedin

Facebook

RedditMediumDiscordDisclaimer →19

Disclaimer
This litepaper is intended to provide educational information on the CryptoWallet.com
platform and does not constitute investment advice or solicitation to buy SPEND
Tokens. This document is not a prospectus, offer document, offer of the sale ofsecurities, or any such similar document. No legal or business advice is contained in thisdocument, and you should consult a legal or financial advisor before making any legal orfinancial decisions.
By purchasing any SPEND Tokens, you agree that your purchase is for the purposes of engaging with theCryptoWallet.com network and using SPEND Tokens for the utilities described in this document.

This document was originally written in the English language, and any translation should be verified toconfirm that no mistranslations or ambiguities have arisen.

This project has not been audited. By purchasing SPEND Tokens or participating in the CryptoWallet.com
platform, you agree to accept the risks inherent in the cryptocurrency sector, including technical failure,breach of security, price volatility, failure to develop or continue project, and loss of funds.

Please be notified that CryptoWallet.com is not in any partnership with entities who represent themselves ascustomer support agents, providing customer support services via phone and/or social media and promising
to help solve your issues for money. If you discovered what you believe is a fraud, phishing, or scam whichimpersonates CryptoWallet.com, please contact us as soon as possible.

CryptoWallet.com protects user data using encryption as well as restricting access to authorized employees
and storing data in secure buildings and systems. We use Secure Sockets Layered (SSL) encryption among
other features, such as firewalls and virus detection. We offer two-factor authentication for users for added
security, sending a code to your mobile device for access to your funds.

We have taken all steps within our means to protect user data. Total protection is never possible under any
company, including CryptoWallet.com. Data submission is at your own risk. We are committed to protectingthat data, and we will notify users should any malpractice or damages towards user data occur.

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Users are responsible for their own data, including choosing a safe password or agreeing to submit data
to third parties companies including CryptoWallet.com. We work with affiliate organizations and partners,
and they may receive your data overseas depending on our own operations. For account holders, user data
will remain in the EEA unless the European Commission has agreed to authorize another country outsideof the EEA to receive data, or if we have entered a contract with a third party to ensure your safety.

Cryptocurrencies are in a state of flux in terms of legal regulation worldwide, and their legal status may besubject to change. Cryptocurrencies are also often subject to cyberattacks such as fishing and Sybil attacks,
and transactions are typically irreversible and difficult to trace. While every effort will be made to protect thesecurity of the platform and the IEO, users investing in crypto or participating in the CryptoWallet.com IEO
do so at their own risk.

Unforeseen tax liabilities or consequences may arise when transacting in cryptocurrencies due to the everchanging nature of crypto regulation in different jurisdictions.

CryptoWallet.com is authorized in Poland and we are fully legally compliant in handling cryptocurrency tradeand storage in all countries where our services are available.

This litepaper is subject to changes and updates as our project evolves.

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