BLOCKCHAIN CURRENCIES TRANSFORMATION OF GLOBAL COMMERCE

Steve Beauregard Founder & CEO Steve@GoCoin.com

LinkedIn.com/in/sbeau Twitter: @GoCoin @GoCoinCEO @ziftrCOIN

Millennials are the largest generation in U.S. history

• Distrust financial institutions

• Readily adopt new technology

• Want more secure payment methods

Millennial Shopping Trends :

• Buy online, pick up in store

• 69% Participate in loyalty programs

• Smaller retailers will struggle to stay relevant without a program

• 64% view gift cards as a more secure way to shop and avoid identity theft

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Generational TrendsMillennials expect innovation

“Millennials believe startups will make banks obsolete in 5 years.”

75.6m

61.7m

54m

39.9m

GenWe 0-15

Millennials 16-34

GenX 35-47

Boomers 48-66

Matures 67+

76.6m

Top Priorities for North American Retailers in 2016

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Payment security

Unified commerce platform

Real-time tracking (pricing, inventory, analytics)

Customer-facing technology in the store

Mobile point of sale 24%

34%

44%

44%

63%

Source: Boston Retail Partners, 2015

October 1, 2015 Visa, MasterCard, American Express and Discover liability shift for POS terminals.

October 1, 2016 MasterCard liability shift for ATMs.

October 1, 2017 Visa, MasterCard, American Express and Discover liability shift for pay-at-pump gas stations, as well as for Visa and AmEx at ATMs.

This liability shift is putting pressure on merchants to comply with new EMV security standards or risk being held liable for all fraudulent transactions.

GoCoin arrives at just the right time, offering merchants tokenized security so they no longer have to view or store credit card information, thus eliminating security risks and liability.

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Timeline for EMV Chip Card Liability Shift in the U.S.Shift is making credit card security a top priority, forcing merchants to look at new options like GoCoin

57% Didn’t want to pay shipping

48% Total Cost more than expected

41% Research or comparison shopping

27% Wanted a discount coupon

24% Sought other payment options

22% Website credibility questions

19% Couldn’t wait purchased at brick-and-mortar

15% Frustrated by complicated checkout experience

12% Various other reasons

59% Shopping Cart Abandonment

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Source: http://www.webstrategiesinc.com/blog/online-marketing-reducing-shopping-cart-abandonment-rates

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MerchantsTop Tier Brands

Merchant adoption steady • Users need encouragement

“I believe merchants have been widely disappointed by the number of transactions they see in bitcoin. Most merchants have taken a passive approach to integrating bitcoin as a payment method, instead of strategically testing and optimizing checkout flows to encourage consumer adoption.”

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Bitcoin’s lack of use in commerce is not just a “chicken and egg” problem

Steve Beauregard, CEO of GoCoin Sources: Pantera Capital, ZepChain, CoinDesk (http://www.coindesk.com/is-bitcoins-merchant-appeal-fading/)

Consumer Adoption: The Long Pole in the Tent

Merchants generally welcome Bitcoin adoption Lack of consumer adoption is the fundamental problem

Consumers need compelling reasons to use the volatile and still relatively hard to acquire Bitcoin over alternatives

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How do we make mainstream consumers care about Blockchain currencies?

It took 30 years for credit cards to be used by 50% of households.

Mass adoption occurred in the late '80s when credit card companies began offering

rewards and points programs. Sources: First data White Paper

Rewards have also  become a popular  feature. About 76% of credit card holders  Receive rewards on at least one card,  with 51% saying the Rewards have a strong impact on  usage. All told, 58% of all credit cards  earn rewards.

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The GoCoin Checkout ProcessRewarding consumers every time they shop

John@email.com

••••••••••••

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GoPay customers can login to any store and

all their purchase information is saved

GoPay saves addresses, so

choosing a shipping location is easier

than ever

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Choose your preferred

shipping method.

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Divide your payment among

your saved cryptocurrency and

credit cards

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Verify your order and payment

details, then place the order.

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Just by using the GoPay system, you will earn points to

redeem at any GoPay merchant!

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By checking out with GoPay, the user has automatically created a fully PCI-compliant, cloud-based GoPay Wallet that holds your credit cards, your digital currency and your shipping addresses. Plus, every time you

shop you can earn points and rewards for future transactions.

You have complete control of your wallet and the checkout system.

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Consumer Benefits18

GoCoin consumer incentives to drive coin adoption

Consumers are ready for the next-generation loyalty program

GoCoin introduces a loyalty program seamlessly integrated into the behaviors customers already engage in

79.8% of consumers actively use coupons while shopping

GoCoin’s payment platform includes digital coupons that users can access when they shop online or in-store

Consumers fear credit card fraud and identity theft

GoCoin enables the use of digital currency - the most secure form of payment available - and implements tokenized security features to make even credit card payments more secure than ever

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GoCoin’s Answer to Consumer Adoption

Shoppers can store all their credit cards,

altcoins and coupons in the GoCoin mobile and

cloud wallets so wherever they are, they'll always have

access to all their payment methods.

When shoppers are ready to check out, GoCoin displays all their stored payment methods so completing a transaction is easier than ever.

CLOUD & MOBILE WALLET

CHECKOUT SYSTEM

Incentivize the consumer to “own” the checkout process.

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Easy Coupon Redemption

Coupons are integrated directly

into the GoCoin wallet, allowing

merchants to reach out directly to

consumers with targeted offers.

GOCOIN OFFERS

20 Extra Points

5 Points and Free Shipping

Points Worth Double

REDEEM

REDEEM

REDEEM

Check out in the next 10 minutes to earn10 additional GoPoints!

YOUR CREDIT CARDS

YOUR CRYPTOCURRENCY

$4356.00 $644.00

$1250.00 $750.00

258.125

BTC

62.33

LTC

124.25

DOGE

MOBILE WALLET

DIGITAL COUPONS

124 POINTSREDEEM SEE OFFERS

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Digital coupons and a points systems based on Blockchain technology are the key to adoption rates going up moving forward.

Case Study22

Driving behavior change from credit card & money orders to bitcoin

The merchant wanted to reduce the cost of credit card transaction fees and personnel expenses associated with mail-in checks and money orders.

1 2 3

Developed simple custom checkout

process integrating GoCoin

Produced low-cost "How to get bitcoin" video with step-by-

step instructions

Proactively posted video on site and

blog, then sent links to customers

RESULTS:

On-boarded 30,000 unique new bitcoin users in 3 months

20,000 transactions per week with average order value of $6.50

Annual savings estimated at

$457,600/year

THANK YOU!

GOCOIN GLOBAL LEADER IN BLOCKCHAIN,

PAYMENTS & LOYALTY INNOVATION

Steve Beauregard Founder & CEO Steve@GoCoin.com

LinkedIn.com/in/sbeau Twitter: @GoCoin @GoCoinCEO @ziftrCOIN