ZOE CASH WHITEPAPER 1.0 ENGLISH VERSION_FINAL.pdf -

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Whitepaper 1.00 ZOE CASH BEP 20 + TRC 20 TOKEN OF EARNINGS PER USE AND HOURS WORKED A Blockchain Solutions for Remote Work and Pos-pandemic solution Token for multiple uses ZOE Cash - Finance - ZOE Card - Digital Bank 2.0 ZOE Community - Private social interaction Blockchain P2P Messenger ZOE Learning - Online personal and professional training ZOE Jobs - Remote work platform with payroll solutions ZOE Defi - P2P platform + DeFi Integrations ZOE Dex - Decentralized Exchange solution in real time Developed by : Fidubit S.A.S Whitepaper 1.00 “We know what we are, but we dont know what we could be yet.” (William Shakespeare). CONTENT DISCLAIMER 6 Licenses 6 Professional Advice 7 It is not a sale of securities 7 No Representations 7 Third Party Data 8 Translations 8 Restricted Transmission 8 ZOE Cash views 8 Third Party References 8 Graphics 9 Risk statements 9 INTRODUCTION 11 MOTIVATION 13 SOCIAL SENSE 14 OUR STRATEGY 14 ZOE ECOSYSTEM 15 Total Supply 17 Token functions 17 Tokens Distribution 18 Farming - How does it work? 19 ZOE Card 20 Value Proposition 20 KYC (Know your customer) and Anti-Chargeback Systems 21 Cashback for purchases 21 ZOE Card Wallet 22 Other functions 23 Savings 23 Currency Exchange 23 Transactions 23 FDIC Insured Accounts 23 Remittances with crypto P2P (DeFi - Dex) 23 3 B2B payments and transfers 24 Trading Section 24 ZOE COMMUNITY ULTRA-SECURE CHAT 25 Security and encryption 25 Dissemination channels 25 Chat groups 26 Meeting and event rooms 26 Chat one to one 26 Low latency calls 26 Sending and receiving crypto assets 27 Privacy and Freedom in Social Interaction 27 ZOE JOBS 28 ZOE Jobs Actors 29 The Client / Employer 30 Worker 31 Evaluator 31 Verifier 31 The Provider 32 Billing and penalties 32 Reward calculation 33 Rating System 33 Cross Search 34 Post Freelance Requirements 34 Chat Employer - Freelancer 35 Time Tracking 35 Task Tool 36 Rooms or Groups 36 Balance 36 To-do Task 36 Request / Pay 36 Sending and Receiving 36 Status 37 Redeem 37 Buy / Sell 37 ZOE Jobs Fees 37 Market that bills 1 trillion USD per year 37 4 Events paid in ZOE, AVAX, USDT or BNB 37 Hackathon extensions 38 Freelancer 38 Project Offers 38 ZOE LEARNING 39 Skills Certified - Blockchain Badge 39 LMS System 40 Online Study 40 Sell Courses 40 ZOE DEX 41 ZOE DEFI 42 Lenders 42 Apply for a loan 42 Billing 42 Pay your friends 42 Gifts 42 Report of expenses, earnings and receipts 42 Multipurpose P2P Marketplace 43 P2P exchange 43 ZOE CASH UPDATE 3.0 43 ZOE Chain 43 Scalability 44 Technical specifications: 45 Avalanche Subnets 46 Gnosis Multi Signature Integration 47 Security 47 ZOE Cash Multiple Bridges 48 Issuance of documents on Blockchain 48 Meta Transactions 48 Snowman Consensus Protocol (Avalanche Network) - Snowflake Consensus Protocol 49 Speed of transactions 49 Features 49 Security 49 Flexibility 49 Sustainability 49 5 Smart contract support 49 Blockchains 49 Designed for finance 49 Directed Acyclic Graphs (DAG) 50 Working Examples 51 Contracts of multiple types 55 Proof of owner + Timestamp 55 Joint Venture Contracts 56 ZOE Vault 59 Working hours in ZOE Cash 60 Nft's Gasless 61 Multi Crypto and Multi Blockchain Wallet 62 Send and Receive 62 Dapp Browser 62 Remittances P2P without custody 62 Roadmap 62 Listings in short term: 64 Supported Wallets 65 WORK TEAMS 66 REFERENCES 77 6 DISCLAIMER Licenses ZOE Holding Group and / or ZOE Capital, ZOE Labs ("ZOE Cash") intends to operate in full compliance with applicable laws, regulations and to make every effort to obtain the necessary licenses and approvals. Licensing or regulatory approvals are likely to be required in various jurisdictions where any of the exposed products within the ZOE ecosystem operate. This means that the development and implementation of all the initiatives described in this whitepaper are not guaranteed. It is not possible to guarantee, and no person makes any representation, warranty or assurance, that such licenses or approvals will be obtained within a particular time period or at all. As such, the initiatives described in this whitepaper may not be available in certain jurisdictions, or not at all. This could require the restructuring of these initiatives and their availability in all or in certain respects. In addition, it is intended that the development of any initiative be implemented in stages. During certain stages of development, the project may rely on relationships with certain licensed third-party entities. If these entities are no longer properly licensed in the relevant jurisdiction, this will affect ZOE Cash's ability to rely on the services of that party. Professional Advice This whitepaper does not constitute investment advice, financial advice, business advice or recommendation by ZOE Cash, its affiliates or their respective officers, directors, managers, employees, agents, advisers or consultants on the merits of purchasing ZOE Cash tokens or coins should not be trusted in connection with any other contract or purchase decision. You should consult an attorney, accountant, tax professional or any other professional adviser as necessary before determining the purchase of ZOE tokens It is not a sale of securities This does not constitute a prospectus or financial services offer document, and It is not an offer to sell or solicitation of an offer to buy securities, investment products, regulated products or financial instruments in any jurisdiction. ZOE tokens are not structured or sold as securities on ZOE Cash. Owners of ZOE tokens are not entitled to any rights in ZOE Cash or any of its affiliates, including shares, dividends, units, royalties to capital, earnings, returns or income in ZOE Cash, any other company or intellectual property associated with ZOE Cash, that is, owning the tokens does not make you a partner with the right to vote on the developments or any technology of ZOE Cash. No Representations No warranties have been made to the recipient of this whitepaper or its advisers as to the accuracy or completeness of the information, statements, opinions, or 7 matters (express or implied) arising out of, contained in, or derived from this technical document or any omission. From this document or from any other written or oral information or opinion provided now or in the future to any interested party or their advisers. ZOE tokens, as envisioned in this whitepaper, are under development and constantly updated, including but not limited to key governance and technical features. When ZOE tokens are filled, they may differ significantly from the description set forth in this whitepaper. No representation or warranty is given as to the achievement or reasonableness of plans, future projections or prospects and nothing in this document is or should be construed as a promise or representation as to the future. To the fullest extent possible, all liability for any loss or damage of any kind (whether foreseeable or not and whether or not ZOE Cash has been advised of the possibility of such loss or damage) that may arise from any person acting on any Information and opinions contained in this whitepaper or any information that is available in connection with any further inquiries, despite any negligence, non-compliance or inattention, will be rejected. Third Party Data This whitepaper contains data and references obtained from third party sources. While management believes this data to be accurate and reliable, it has not been subject to independent audit, verification, or analysis by any professional legal, accounting, engineering, or financial adviser. There are no guarantees as to the accuracy, reliability or integrity of the data. Translations This technical document and related materials are published in Spanish. Any translation is for reference purposes only and is not certified by anyone. The accuracy and completeness of translations cannot be guaranteed. If there is any inconsistency between a translation and the Spanish version of this technical document, the Spanish version will prevail. Restricted Transmission This whitepaper should not be taken to or transmitted to any jurisdiction where the distribution or dissemination of this whitepaper is prohibited or restricted. ZOE Cash views The views and opinions expressed in this whitepaper are those of the ZOE Cash development team and do not reflect the official policy or position of any government, quasi-government, authority or public body (including, among others, any regulatory body) in any jurisdiction. This whitepaper has not been reviewed by any regulatory authority. No representation or warranty is given as to the achievement or reasonableness of plans, future projections or prospects and nothing in this document is or should be construed as a promise or representation as to the future. To the fullest extent possible, all liability for any loss or damage of any kind (whether 8 foreseeable or not and whether ZOE Cash has been advised of the possibility of such loss or damage) that may arise from any person acting on any information. And the opinions contained in this whitepaper or any information that is available in relation to any further inquiries, despite any negligence, non-compliance or inattention, will be rejected. Third Party References References in this whitepaper to specific potential companies, networks, or use cases are for illustrative purposes only. The use of the names and trademarks of any company or platform does not imply any affiliation, recommendation or endorsement of those parties. All references to "dollars", USD or "$" are references to US dollars, unless otherwise indicated. Graphics All graphics included in this whitepaper are for illustrative purposes only. In particular, graphics with price references do not translate into real pricing information. Risk statements The purchase of ZOE tokens involves substantial risk and can lead to the loss of a substantial or total amount of the money involved. Before buying ZOE tokens, you should carefully evaluate and consider the risks, including those listed in any other documentation. A buyer should not buy ZOE tokens for speculative or investment purposes. Buyers should only buy ZOE tokens if they fully understand the nature of ZOE tokens and accept the risks inherent in ZOE tokens. Cryptographic tokens may be subject to expropriation and / or theft; Hackers or other malicious groups or organizations may attempt to interfere with our system / network in various ways, including malicious program attacks, denial of service attacks, consensus-based attacks, Sybil attacks, smurfing, and spoofing that can result in the loss of your crypto. Tokens or the loss of your ability to access or control your cryptographic tokens. In such a case, there may be no remedy, and crypto token holders are not guaranteed any refund or compensation. The regulatory status of crypto tokens and digital assets is currently unresolved, varies between jurisdictions, and is subject to significant uncertainty. It is possible that in the future, certain laws, regulations, policies or rules related to cryptographic tokens, digital assets, blockchain technology or blockchain applications will be implemented that may directly or indirectly affect or restrict the right of cryptographic token holders to acquire, possess, hold, sell, convert, trade, or use crypto tokens. 9 Uncertainty in tax legislation related to cryptographic tokens and digital assets can expose cryptographic token holders to tax consequences associated with the use or trading of cryptographic tokens. Digital assets and related products and services carry significant risks. Potential buyers should take all of the above into account and independently assess the nature and their own appetite for the relevant risks and consult their advisers before making any decisions. 10 INTRODUCTION “In a few years, jobs and money as we know it will disappear” “Many jobs in the world will be replaced with autonomous technology” In 2019, the entire humanity experienced the consequences of the spread of the Coronavirus, SARS-Cov2 (Severe acute respiratory syndrome) cause of the COVID-19 disease, whose worldwide expansion has caused the pandemic that currently continues to impact people's lives. Based on the high contagion rate, governments, companies and all work groups around the world began to require, with equal urgency, that people be able to perform as many work activities as possible in remote work. This radical migration in the workplace, which although it seemed sudden, has already been announced for several years, almost instantly caused hundreds of millions of workers dismissals, since their skills required their technical presence, and therefore, millions of families were affected, independent and professionals in the world still wake up day by day without a local opportunity to work or carry out their profession. Due to this and thanks to the wonderful invention of the internet, access to remote work tools revolutionized the way of working in the world. Companies such as Freelancer and Guru have increased the exchange of professional skills by hourly value, and large platforms such as Coursera, Platzi, Udemy, including prestigious academic centers such as the University of Cambridge or MIT, could see how this virtual facet of the educational system shot up the number of its students, likewise, its ability to promote learning, self-management and entrepreneurship. Improving income per household (per capita) made Freelancer a company with $1.5 Billion in business hours traded per year. In the same way, ZOE Jobs will give access to a global connection of employers and workers immediately, with a guarantee system that allows the contracting user to require remote work safely, eliminating the risks that exist in an uncontrolled environment, such as; delays in the contracted service, poor quality services or poor service provision, among others. This creates the foundations to open the remote labor market and online education on a large scale, which drives our wishes to build the way to give you solutions by implementing new technologies and the resources of the blockchain in social, work environments, personal and academic. In parallel to the devastating economic and social effect that the pandemic has had, a great revolution is presented, almost as important and analogous to the internet within human relations, there is a definitive manifestation for economic relations under the name of cryptocurrency, creating a theoretically perfect system for the transfer of value and accompanied by an unprecedented totally transparent technology called blockchain, which for practical purposes allows people who transfer money (or any other concept) to 11 have knowledge of all rules and implications of the very act of transferring money, in addition to all its benefits and utilities. The cryptocurrency system allows people to empower themselves to control their money, educate themselves under a financial culture that touches all aspects of their life seeking awareness while offering the complete security of a system where fraud is not allowed because the logic of the transfers is directed by a very specific mathematics (hence the term "crypto" of the word) solved by computers throughout the world and whose rules can be verified at all times by users. Any user of the cryptocurrency can review at any time all the current details and procedures carried out by their currency if they only visit its summary, which is located in official lists of the blockchain, public and audited. In this vein, ZOE Cash will revolutionize various scenarios and their accessibility by providing an open and decentralized ecosystem. To create a prosperous financial culture, ZOE Cash seeks to develop an "all in one" system, which allows professional training with allied partners, improve soft skills, seek and obtain remote work, improve household income, manage complex equipment, request or send money for professional service provision or interact with your co-workers from a single tool. ZOE Cash has the potential to benefit both highly skilled workers, who prefer independence or a more flexible work schedule and low-skilled workers who can find part-time or inexperienced alternatives when it suits them. ZOE Cash is aimed at workers who have not had experience working online in Latin American countries where the income per household or value per hour worked of a professional is low compared to other countries in the world and also to those people who provide services in person, that cannot be done remotely or that is not supervised by special software when providing OFFLINE AND ONLINE solutions. All the features of ZOE Cash make it a multipurpose platform integrating these new technologies and Blockchain solutions. At the same time, our users have the option to train or educate themselves professionally with our allied partners and have a certification that validates these learnings and knowledge acquired through our ZOE Learning platform, which aims to be an open scenario to improve skills by taking virtual courses, personal training, training and certifications that will progressively increase educational offerings and options as our community grows. For the adaptation of our systems of social interaction, online training, remote work and cross-border payroll solutions, ZOE Cash will issue utility tokens by use and quoted working hour of Name (ZOE Cash) and Acronyms (ZOE) which, under a common agreement between a service provider and an employer will be quoted and accepted as a representative number that equals and signs the acceptance of the hourly value of the project required, validating and endorsing each ZOE token in the accepted and paid hourly value, which will be the native exchange and use currency for the ZOE Ecosystem. These movements are based on the implementation of the ERC20 or TRC20 networks and in the medium-term ZOE Cash will deploy its own blockchain under the 12 Delegated Proof of Stake consensus with multi-bridge connections that will allow ZOE to transact in multiple, Blockchain or Parachains. ZOE Cash is the first global alternative asset with immediate liquidity and crypto asset functionality that operates with extreme speed, reliability and efficiency at a low cost with free anonymous transfers, also available for those without access to banking services. ZOE Cash is not just a coin; the project involves spending and earning money, with the availability of investment and speculation. At ZOE Cash we believe that with our technology and mass adoption, we can keep up with other highly sustainable Blockchain currencies or projects. ZOE Cash is an asset with excellent liquidity, backed by the unique ZOE loan protocol. The transactions, contracts, documentation or remote work agreements created generate a public record and are stored in the chain of blocks (Blockchain), which is carried out with high speed without the need for an intermediary to store data or money that are available P2P or B2B with public and transparent information for everyone. MOTIVATION ZOE Cash has the unique ability to solve many of the main weaknesses in the labor sector and remote work, in the same way it intends to strengthen the financial culture searching for collective prosperity, forming members with assets and various investment criteria that maintain the dynamics of all the services and products available to them, connecting with the services of traditional banking. To develop a remote work environment, access to decent employment, ZOE Cash will solve the following problems in a market share: 1. Limited access to comprehensive work. 2. Privacy in social interaction and time spent on the psychological manipulation algorithm integrated into social networks. 3. Limited access to online training resources - multipurpose. 4. Limited cross-border first-grade digital banking solutions. 5. The few value propositions do not incentivize people to use crypto assets for purposes other than speculative trading. 6. Complexity, the difficult to understand, use and invest for new active crypto users. 13 SOCIAL SENSE One of the fundamental aspects that characterizes ZOE as a solid community is the ability to work as a team, in this direction is that each decision, service and / or product is planned and executed. The social sense is reflected in the inclusion that the entire ecosystem promotes, offering from an accompaniment to the regular user of traditional financial services to a friendly transition in portfolio management for users accustomed to the movements of digital assets. ZOE is a community that promotes and empowers through the use of digital tools the opportunity to access a life of remote work, creating an environment focused on Corporate Social Responsibility, developing decentralized solutions through Blockchain to contribute a share to the world by improve the use of tools for social inclusion, supporting and supporting the initiatives of the United Nations Global Compact. OUR STRATEGY ZOE Cash is a decentralized multipurpose system that unifies solutions for learning, remote work, team management, payroll solutions, P2P interaction and personal asset portfolio management in a single tool, which not only provides a job recruitment market, but which is also capable of automating (at least in part) the process of hiring individual workers by assigning a specific contract and implementing a training solution, course or training that will help to improve the work profile. To address the above challenges, we offer products across 6 links that are part of the ZOE ecosystem. Our strategy consists of taking advantage of technological solutions as the main tool to promote the adoption and acquisition of new technologies with our users, building tailored solutions and commercial services, secure social interaction, financial services, training and digital certification as the main sources of income. This strategy creates and maintains a virtuous circle: payment channels attract users to the platform, while commercial services, social interaction, online training and financial services generate income that can be reinvested in payments, purchases or acquisitions. Our six-link solutions aim to create a sustainable ecosystem that fulfills our mission: Driving the transition from the traditional financial world and the incursion of cryptocurrencies. 14 ZOE ECOSYSTEM The ZOE ecosystem consists of a set of decentralized services that are presented as a comprehensive solution implementing the ZOE Cash token as a native transaction resource. Users will be able to make use of each platform and interact through the entire ecosystem, benefiting from its resources in each of these: ● ZOE Cash ● ZOE Jobs ● ZOE DEX ● ZOE Community ● ZOE Learning ● ZOE DEFI Figure 1. ZOE Ecosystem 15 ZOE CASH - TOKEN ZOE Cash has developed a next-generation model for the future of private social interaction, online training, optimization of individual personal skills and improvement of per person income through remote work systems with availability of services institutional finance, P2P and access to cross-border payroll solutions through digital banking. This model uses Blockchain technology for the generation of study certificates, transmission of encrypted messages, creation of signature and seal of documents that become impossible to forge stored in the Blockchain, with decentralized time tracking, issuance and certification of holders, as well as a new type of bio-identification system that will be used to guarantee the security of each user's accounts. This is a project to develop the future of the traditional-digital world. Its main objective is to integrate and connect ZOE in the financial and traditional world, to create a single gateway through the ZOE platforms for users, students, teachers, educational institutions, corporations, partners and financial institutions with a wide range of complementary services. Tokens are introduced per hour of work that represent the average value of a remote work request that is accepted under a single, individual and common agreement between two people, or the social activity generated (Recovering time lost in Social Media), this phase implies the design and construction of a decentralized platform capable of making work exchanges as easy as traveling by taxi with Uber or compensation for social activity generated through our encrypted messaging solution on the blockchain. In this clear direction ZOE Cash is a decentralized multipurpose solution that integrates finances, online training, certifications, jobs, encrypted social interaction and target monetization, which will be stored and validated on a blockchain. Our affiliates will be able to improve and certify their work profile with the possibility of applying their skills to any offer of the ZOE Jobs system under mutual agreement of acceptance about the work or project to be carried out, including projects with “No Experience” applications. On the other hand, they will also be able to obtain loan assets or issue decentralized loans to network users that have a collateral profile that will be measured by the total number of projects carried out and the ratings between user and employer. Redeem ZOE Cash in our compensation system or use features interconnected with traditional banking, such as withdrawing ZOE Cash to any bank card, making fiat withdrawals with your prepaid debit card, recharging your virtual bank or making remittances using ZOE Cash as a means of payment. 16 In addition to this, users will be able to issue, create or sign business and personal documents that will be stored in the Blockchain as our secure and unalterable environment. These services are connected to one point; the ZOE Cash platform, making them more secure and transparent than current existing cryptocurrency platforms. Many of these Blockchain offerings offer individualized or complementary services, but not the complete package. ZOE Cash is a proposed implementation of the described system. Total Supply 500,000,000 100,000,000 ZOE TRC20 & 200,00,000 BEP20 & 200,000,000 AVAX TOKEN VARIATIONS: BEP20 & TRC20 & Z20 NETWORK: BINANCE SMART CHAIN & TRON TYPE OF TOKEN: UTILITY & PAYMENT TOKEN INITIAL PRICE: 0.20 USD INITIAL SALE: AirDrop and private distribution TOTAL DILUTED CAPITAL, HARDCAP: 20,000,000 USD MINIMUM ROI AFTER MAINNET: 90,000,000 USD / year APY FARMING: 60% / year Token functions Multi signature Multi signature available between users to enter into contracts of different types within the Blockchain 3.0 of ZOE Cash (ZOE Chain). Upgradable ZOE Cash (ZOE) has upgradable features which allows adding versions and upgrades in the future or make burning tokens. Minable During a specific demand need, ZOE Cash will be able to issue more units of our ZOE cryptocurrency. Allowable ZOE Cash (ZOE) has features which allow you to approve simple or massive transactions through the allowable functions, using a signature. Pausable In order to ensure the safety of ZOE Cash users, pause functions are added, to investigate and resolve events or failures in the future without affecting a transaction. NOTE: Our token is written in solidity 0.8.3 and has been developed as a utility and payment token in the TRON and BINANCE SMART CHAIN chains, (soon on AVALANCHE SUBNET NETWORK “ZOE CHAIN”), interconnected by a bridge. 17 About BEP20 & BEP8 tokens Our token in the Binance Smart Chain version is incompatible with BINANCE CHAIN, only BINANCE SMART CHAIN Y is considered a BEP20 token and not BEP8. If for any reason you send BEP8 tokens to the BINANCE SMART CHAIN address, it will be impossible to retrieve the tokens again. Tokens Distribution Figure 2. Token Distribution. 8% of the assigned tokens will be sent to the founders (CEO, CTO) of the project for their free use and distribution. 5% of the total Supply will be reserved to cover marketing expenses, new lists on Exchange, press announcements and social networks Ads & Listing. AirDrop: 2% this is equal to a massive shipment of tokens to promote the massive adoption of ZOE CASH. Devteam: 8% of the tokens will be sent to the wallet of the project developers to cover the monthly costs of maintenance (once they are published on the Exchange, and they have a high monthly volume of operations), support, new developments and advice in the future. Shareholders: 10% of the tokens will be sent to promoters, communications team leaders, investors, shareholders, or privately to anyone who promotes the mass adoption of ZOE Cash. Private sale: 67.0% of the tokens will be used for public sale on Exchange, liquidity in Defi environments, SWAP or private sale through P2P markets 18 Farming - How does it work? Figure 3. Farming How does it work? It is a strategy similar to staking (a form of mining already used by many cryptocurrencies), since the funds are locked in a cryptocurrency wallet to allow a transaction on a blockchain network. A digital asset stored in a wallet can generate additional funds and these funds can be staked in a liquidity pool that is in the hands of liquidity providers. Within the ZOE DeFi (Decentralized Fintech) product, users can carry out Farming in ZOE or in personalized contracts within the ZOE Chain, so the cryptocurrency, instead of being blocked in an exchange or in a wallet, is provided through DeFi protocols through the ZOE Chain network, to obtain profitability. Reward per year: APY: 82% 19 ZOE Card Figure 4. ZOE Card Illustration. ZOE Cash will have the ability to supply prepaid ZOE Card debit cards, virtual and physical for online payments and purchases or payments directly in the business establishments. In addition to this, it will be possible to deposit balance with cryptocurrencies from your portfolio, convert it into dollars, euros or pounds sterling to use your account and start trading in minutes by following a few simple steps and accessing your wallet resources and ZOE Ecosystem platforms. Value Proposition Customers generally face the following pain points when trying to buy and spend with cryptocurrencies: 1. Lack of places to transact with crypto. 2. Having to endure long lead times (3-4 days) for processing. 3. That financial institutions charge you significant exchange rates (up to 5% of the purchase amount) when you spend abroad with regular fiduciary credit or debit cards. The Mastercard card addresses these pain points by allowing cardholders to: 1. Perform annual fee-free transactions at more than 60 million Mastercard merchants worldwide. 2. Enjoy instant recharge and payment completion with no waiting time. 3. Spending abroad at interbank exchange rates without profit margins. 4. Take advantage of the incredible benefits associated with the card 20 KYC (Know your customer) and Anti-Chargeback Systems For our KYC, AML & anti chargeback solution, we will use OCR, face and biometric recognition tools using blockchain technology for unique identification and identity validation. In this way, there will not be 2 people with the same name or the possibility of being impersonated. Cashback for purchases ZOE Card Cashback Benefits Limits Black Members 8% Cashback Airbnb 7% Refund $1000 free ATM and Booking withdrawal fee. Reduced to 2% expenses unless staking is renewed Access to the airport Unlimited foreign lounge + 1 guest currency transactions ZOE Founders 5% Cashback Airbnb 5% Refund $1000 free ATM and Booking withdrawal fee expenses Free fee up to Reduced to 1.75% Access to the airport $20,000 in foreign unless staking is lounge + 1 guest currency renewed transactions ZOE Travelers 3% Cashback Airbnb 3% Refund $800 free ATM and Booking withdrawal fee expenses Free fee up to Reduced to 1.5% Access to the airport $10,000 in foreign unless staking is lounge + 1 guest currency renewed transactions ZOE Bronze 2% Cashback Airbnb 2% Refund $400 free ATM and Booking withdrawal fee expenses Free fee up to Reduced to 1% Access to the airport $4,000 in foreign unless staking is lounge + 1 guest currency renewed transactions 21 ZOE Classic $200 free ATM withdrawal fee Free fee up to $2,000 in foreign currency transactions Table 1. Types of ZOE Cards ZOE Card Wallet Figure 5. ZOE Card Wallet Mockup. The wallet or purse of our ZOE ecosystem, ZOE wallet has a wide range of services, including synchronization with the ZOE Card debit card platforms, in this way the balance in ZOE Cash tokens can be used for any transaction; deposits, withdrawals, payments in establishments with a physical card, transfers, shipments, exchanges and all the traditional functionalities for users and members of ZOE Cash and Wallet. The amount of tokens required will be calculated in real time in each transaction independently. 22 Other functions Figure 6. ZOE Finance section. Savings ZOE Cash users will be able to buy and sell assets from different stock exchanges without leaving their platform. Currency Exchange By having a virtual multi-currency, ZOE Cash users will be able to exchange their currency instantly and without high costs or delays in the transaction. Transactions Users will obtain a history of their transactions within the ZOE Cash Application. FDIC Insured Accounts ZOE Cash users can open international accounts insured by the Federal Deposit Insurance Corporation (FDIC) with our local sponsors or Multi Currency Virtual Iban accounts in the European Union, which gives them access to accounts In Euros, Dollars and Pounds Sterling. Remittances with crypto P2P (DeFi - Dex) Our platform allows people to exchange money without limits, from any country, in mode PART A - PART B - PART A, that is, 3 people interact to send money from a country to another using institutional traders or liquidators, the DEX service commissions will have a cost of 0.3% for each part in ZOE CASH or 0.5% for each part in another means of payment, even so each order will have a cost of 50 ZOE. 23 B2B payments and transfers ZOE CASH users will be able to make payments and B2B transfers, from their ZOE CASH platform. Remittances and cross-border payments ZOE Cash users will be able to send remittances, paying with our cryptocurrency ZOE Cash (ZOE) or other assets and the recipient may receive fiat money, through our Financial network, where the user receives his fiat money at a local financial institution. Trading Section ZOE Cash users will be able to buy and sell assets from different stock exchanges without leaving their platform. 24 ZOE COMMUNITY ULTRA-SECURE CHAT Figure 7. ZOE Community ultra-secure chat. Secure messaging application through decentralized servers that distribute communication promoting Blockchain technology. The system is developed on the MATRIX protocol allowing communication in real time from different clients, optimizing data transfer while guaranteeing information security. Security and encryption ZOE Community users will communicate under a multiple set of Security and Encryption Protocols, meeting the following qualities: ● MATRIX protocol. ● Decentralized Communication. ● Encrypted and Stored on the Blockchain. ● End to End encryption. ● Off-the-Record Messaging (OTR) protocol. ● Verification of encrypted keys on multiple devices and multiple sessions. Dissemination channels Like any community in continuous expansion, the need arises to establish communication channels within ZOE, and therefore we open the possibility of distributing information among all the different members distributed throughout the world. 25 Users will be able to create and join channels that correspond to a team, local and / or international groups so that they can stay up to date with news and updates. Chat groups For those users who require a private space in their communication, it is now possible to create and moderate isolated groups that allow access to which may or may not be restricted to all members of the community and which is useful both for those who require a safe place to exchange information about some service of the ZOE ecosystem at an organizational level. Meeting and event rooms With a continuous improvement in its capacity and infrastructure, ZOE Community intends to present a system for the transmission of livestreaming events with a special focus to be used in events and / or meetings. Streaming and creation of custom events for the ZOE ecosystem community, concerts, live sessions, webinars or other content that includes active community participation for online events. Users can create public and private events with access by ticket, sell event tickets accepting ZOE Cash as a payment method with immediate withdrawal availability anywhere in the world, or sell event tickets with the option of collecting funds (Crowdfunding) in the transmission of said event. Chat one to one Users will be able to connect with each other as they do within the centralized communication systems currently used such as WhatsApp, Telegram, Messenger, etc. With the same guarantee of an encryption system. Low latency calls ZOE Community will allow the low use of mobile data and low latency, which avoids the need for high internet speed both for the use and consumption of WebRTC (Communication in real time), and therefore it will improve the services of telephone calls via Wi-Fi or high-definition video calls. 26 Sending and receiving crypto assets ZOE Community will create a multi crypto wallet system within our social interaction application, to pay, send or receive coins in the same social interaction for payments to third parties, gifts or sales made between users of the ZOE community. Privacy and Freedom in Social Interaction Users can communicate without fear that their information will be disseminated or censored outside public channels or moderate groups for a specific purpose. In terms of privacy, all communication and information published on our social interaction platform will have encryption layers that will have the ability to prevent the intersection or hacking of information within our platform, thus creating an environment full of free expression or secure transmission of the information. 27 ZOE JOBS Figure 8. ZOE Jobs. It is a system powered by the Binance Smart Chain and / or ZOE Chain networks. It contains the public profiles of the users, completed jobs with description, executors, status and mutual qualifications. However, considering the complexity of the system, one can distinguish ZOE Jobs from ZOE Cash. The ZOE Jobs functionality will include interfaces to create profiles, upload personal information, studies, work experiences, certifications, evaluations, search for workers, publications, completed contracts, among others. ZOE JOBS ● Registration system, interaction between the actors. ● Search for profiles, qualifications, projects, offers, publications, among others. ● Search on all completed jobs. ● Provides a user-friendly payment interface. ● Displays profile data for informational purposes. ● Handles public and private data. ● Compensates for the response time of ZOE Jobs with the user interface. ● It is a client-side application written in TypeScript with clean architecture. 28 Table 2. ZOE Jobs features. A job object will contain a location, the vendors used, and the job description. The job description includes attributes such as job field, due or delivery date, the address of the ZOE token. This classification offers us a high versatility to adapt, improve and update the roles according to the evolution of ZOE Cash, the required skills, and other additional specific requirements of the job. A client would be able to search through the list of workers in the Interconnected ZOE Jobs partners on our platform or choose a known worker. Required job fields and skills can be selected from a list provided by the smart contract. A city or region includes all districts and subregions. A location is used to assign workers to nearby clients. The precise addresses (for the job location) are revealed to the workers once the job offer has been mutually agreed upon and consolidated by the smart contract. A start date can be in the present or future tense. If the current time is chosen, then ZOE Jobs returns all the workers currently available to work from now on. If instead a future time is chosen, then the system will find workers available to work at that specific time. Once the worker accepts the job offer, the smart contract will publicly mark the worker as busy, avoiding further bookings in that period of time. ZOE Jobs Actors This section defines the six most important entities within the system: the customer / employer, worker, evaluator, verifier, supplier, and the core of the ZOE Chain. The decentralized nature of this system allows clients to hire workers using the Binance Smart Chain and Tron Blockchain, using multiple bridges and very soon the ZOE Cash Blockchain, ZOE Chain. Therefore, the main features of the system will be executed as a set of smart contracts, which will make the system available for your use or independently of any user interface realization in particular. These contracts will govern the behavior of the system, dictate agreements between people, and serve as a public ledger containing profiles of clients(employer) and workers. 29 Figure 9. Workflow and interaction ZOE Jobs. The Client / Employer A person or third party required to complete jobs. They create jobs with key attributes (such as field of work, required skills, etc.) that are recorded in the general ledger. The client then retrieves a list of available and qualified workers who can be chosen according to their preferences. The worker or workers may accept the job and provide rough estimates of the amount of time required to complete it. At this point, the system will allow customers and workers to initiate direct communication, if they wish. Then the client has to accept the estimates given by the worker. Under prior agreement, a smart contract will facilitate the withdrawal of funds (equivalent to the value of the estimated working hours) from the client's account to a smart contract similar to an escrow in the blockchain. The funds will then be released hourly to the worker as the job is completed. To ensure that the correct hours are paid, a stop / start timer will be used. When a worker arrives, they seek the approval of the client to start the timer and begin the period of paid work. The same is done at the end of the period or segment of the job. The client can give a qualification to the worker at the end of the work and optionally a recommendation. 30 Worker Any person or third party searching for employment may work and obtain payments. A worker creates a public profile that contains work scopes, work hours, and other relevant information. Based on this profile, ZOE Jobs will offer a worker to clients for jobs that match their work scopes. If chosen, the worker will be notified and asked to provide time estimates to complete a specific job. The worker can then contact the client to finalize details (if necessary) before finalizing the agreement. Then, the worker must arrive at the established time to start the job. Approval to start or stop the timer for paid work can be granted by the client, as described above. Upon completion of a job, the worker can rate the customer and optionally provide additional feedback. Evaluator The best qualified members of the community will be able to evaluate and confirm the corresponding skills of the workers, building a chain of trust and referrals. In this way, clients will be more confident that the assigned worker has all the necessary skills to complete the job. Workers will be required to have high qualifications and enough activity points to become an evaluator. Evaluators will be able to verify and support the skills of other workers by ensuring that clients have a more accurate description of their potential workforce. Workers with approved and verified skills will be more likely to be chosen for any job offered on the ZOE Jobs platform. After performing the skill's assessment, the assessor will publish a record on the blockchain. The evaluator profile shows statistics of the evaluated workers and the reputation of the evaluator among ZOE Jobs users depends on it. Verifier A worker offering services to verify clients and workers in a particular region (see the functionality in the diagram). The main function of the verifiers is to check the documents required for their respective areas, such as work permits, certifications, insurance against accidents at work or other types of insurance. These entities are essential to comply with local laws, improve security, and potentially minimize spam problems. Both parties (clients and workers) will be able to choose one or more verifiers to review the documents, based on their qualifications and popularity. Each worker has a public profile and private data. The public profile is available on the blockchain and is accessible to everyone. Private data is verified and electronically signed by a verifier. It is only available to a client after entering into a contract with the worker. 31 The Provider The nature of the blockchain means that the participants are pseudonyms by default. This opens up wide opportunities for spammers, marketing bots, and other parties whose behavior could be detrimental to ZOE Jobs. The decentralization of the system means that there is no single authority that can ban these entities. One proposed solution is to give participants the possibility of creating job boards, where the creator is also the moderator. Each exchange would have a rating of other participants and each participant who has an activity point threshold could vote up or down on the job pool. The creator of the job board may designate other members as moderators. Each member of the job board who has enough activity points will be able to flag any suspicious entry for review and receive activity points for useful reports. Bags can be filtered by labels and sorted by ratings in the customer app to easily remove or filter all trash bags. The creators of the job boards can also enforce the requirements for clients and workers who want to use the job boards, they could include the requirement to pass verification by one of the listed verifiers, to have at least a minimum specified qualification, do a job in certain fields of work, accept payments in selected cryptocurrencies, be in a specific location, etc. Billing and penalties Billing will be governed by the following scheme: Once a client has approved a worker's estimates, a smart contract removes the required token or crypto assets from the customer's account. If the job takes longer than the customer initially estimated and approved, then the smart contract checks the customer's balance and automatically withdraws additional funds for overtime worked. As this is an automatic process, the worker can continue to work freely and be sure that overtime will be paid. This procedure repeats every hour. The process stops if the job is paused, or marked as completed, or the customer runs out of money, or the smart contract reaches a maximum withdrawal limit. If this limit is reached, the smart contract could ask the customer to increase the maximum limit for withdrawals. If the client declines, the job is considered completed and the remaining funds are released to the worker. If the worker works less than the estimated time, the difference is transferred back to the client. Part of the tokens paid for the job is automatically withdrawn as a fee. The worker can pause and continue the job timer at any time. If the client is not satisfied with the worker, his accounting or his work, they can cancel the job at any time. However, the customer is required to pay a minimum of one hour (which is the minimum unit of time that can be paid). In that case, the client could leave a recommendation and negative rating, which will negatively mark the worker for future clients. A negative rating will also affect the reputation of the evaluator. If the worker does not start the job within the agreed time, the customer will not be charged, and they can rate the worker and leave a comment. It should be noted that the client does not cover the worker's time or transportation expenses. Instead, they should be included in the individual worker's rates. 32 Reward calculation N: Value requested for each job in vph Format (Value per hour) I: Commission charged by ZOE-Cash Equation 1. Summatory of rewards per hour. Rating System Users will be able to award a score Figure 10. Rating System. during an evaluation upon terminating the service provided, both towards the provider as well as the applicant, said record will be stored in the ZOE Chain, where it will be consulted and used to calculate employing recommendation algorithms and supported by artificial intelligence (AI), a final qualification that will serve as a review for future contracts within the ecosystem. 33 Cross Search Secure and interconnected ecosystem to provide global access to opportunities to find professional talent or work remotely, where ZOE Jobs users interconnect their offers and demands between other platforms of our registered Partners such as Guru.com and Freelancer.com. Figure 11. Cross Search. Post Freelance Requirements Employer users within the ZOE Jobs system will be able to instantly post human talent requirements or job vacancies available to work remotely, using ZOE Jobs as a worldwide remote work support tool. Figure 12. ZOE Jobs Post Requirements. 34 Chat Employer - Freelancer Figure 13. ZOE Jobs chat. The employer and the applicant within our ZOE Jobs system will be able to create a communication using our Employer Chat to keep a record of the requirement and a follow-up of each contract in ZOE Jobs, without the need to disclose information contact between the parties. Time Tracking ZOE Jobs users will be able to monitor through our time tracking tool, the time assigned to a pending task or requirement assigned by the employer. With our time tracking tool, the hours billed to the employer are fair for both parties, since it has real-time statistics of the time that was assigned for each task or requirement. In this way the hours completed will be billed in ZOE Cash counted for each hour completed. 35 Task Tool ZOE Jobs users will be able to use our task tool to assign or create a backlog to each team member for each employer requirement. This way, users will be able to share statuses of "working", "absent", "completed", and "pending". Rooms or Groups ZOE Jobs users will be able to create rooms or groups to manage their work team and connect with their employer so that they can take their communication channel there. Balance ZOE Jobs users will have access to financial statistics of their performance within the platform, which indicates the total amount of money received to date and the jobs completed, average per working hour, pending jobs and average user rating of employers. To-do Task The To-do Task list shows ZOE Cash users the pending activities to perform based on the employee's requirement. Request / Pay ZOE Jobs users will be able to create personalized payment links and request payments via: QR, payment link, request payment in chat and payment request by email. Any member of ZOE Jobs may also issue payments or pay pending invoices to another. Sending and Receiving ZOE Jobs users will have an integrated ZOE Wallet which allows them to send and receive Fiat or Crypto assets to any ZOE member or external user. 36 Status ZOE Jobs users will be able to mark statuses of a requirement by the employer as "Pending, Completed, Working". Redeem ZOE Jobs users will be able to redeem payment pins or ZOE gift card codes, given by employers or other users as a reward for some work or motivational bonus. Buy / Sell ZOE Jobs users will be able to use their balance to carry out internal transactions from user to user such as buying crypto assets, tokens, services, shares, selling crypto assets, among others. ZOE Jobs Fees Market that bills 1 trillion USD per year Fee charged to employer: 2% - 2 USDT - 10 ZOE Transactional cost: 1% - 1 USDT -5 Skills exams by ZOE Learning: 15 USDT - 75 ZOE Offers Featured: 4 USDT - 20 ZOE Priority offer: 4 USDT - 20 ZOE Urgent offers: 4 USDT - 20 ZOE Automatically select a Worker: 5 USDT - 25 ZOE Withdrawal to bank: 3% Withdrawal to Wallet ZOE: 0% Events paid in ZOE, AVAX, USDT or BNB PUBLISH hackathon: Free Featured Hackathon: 20 USD - 100 ZOE Guaranteed Hackathon: Free Main Hackathon: 20 USD - 100 ZOE Urgent Hackathon: 30 USD - 150 ZOE Primary and Sealed Hackathon: 30 USD - 150 ZOE NO-INDEX hackathon: 20 USD - 100 ZOE Copyright, source and confidentiality: 20 USD - 100 ZOE 37 Hackathon extensions 1 day of extension: 15% of the value of the event 3 days of extension: 20% of the value of the event 7 days of extension: 30% of the value of the event 14 days of extension: 40% of the value of the event 21 days of extension: 50% of the value of the event Freelancer Submit Hackathon Offer: 0.20 USD -1 ZOE Highlight Offer: 0.20 USD -1 ZOE Project Offers Offer on Projects: Free Sponsored Offer: 1 ZOE Featured Offer: 1 ZOE 38 ZOE LEARNING Figure 14. ZOE Learning. Skills Certified - Blockchain Badge ZOE Learning users will obtain their training or skills certificate once they successfully complete all study modules of their selected program, this certificate will be stored and distributed through the ZOE Chain blockchain, granting a certificate of study or attitudes of 0 Alterations, with which the employers of ZOE Jobs can check if a user meets the minimum knowledge necessary to apply to their remote job offer. 39 LMS System Online training interconnected with multiple service providers, in order to access virtual education of different categories around the world from the comfort of home, certifying the skills of students in a Blockchain Badge or decentralized certificate, distributed through from decentralized servers and transmitted on the blockchain. Online Study User system for online training and subscription of various categories, with access to training material available 24/7, with availability of training with official partners. Sell Courses Training System with an option for tutors who wish to monetize or share their academic training on our ZOE Learning platform and obtain ZOE Cash tokens paid for each enrolled student. 40