MONOPOLY

Crowdfunding 2.0

Decentralized Investment Platform on the Blockchain

Token MNP

WHITE PAPER March 06, 2018.

v. 1.0.0

Сontents 1. Monopoly project overview ............................................................................................................ 3

1.1. Summary. 8 reasons to participate ....................................................................................... 3 2. MNP token sale terms and conditions ....................................................................................... 6 3. the mission of the MNP project .................................................................................................. 10

3.1. the main idea .............................................................................................................................. 10 3.2. Solving market problems ....................................................................................................... 11 3.3. MNP token ................................................................................................................................... 11

4. Platform technology ...................................................................................................................... 12 4.1. Platform architecture .............................................................................................................. 12 4.2 Blockchain use ........................................................................................................................... 13 4.3. Technology structure ............................................................................................................. 14 4.4. Realization modules ............................................................................................................... 15

5. Our business plan ........................................................................................................................... 20 6. How it works ......................................................................................................................................22

6.1. Project scoring and neural network. ..................................................................................22 6.2 Project expansion .....................................................................................................................23 6.3 Investments in start-ups and in expanding projects ..................................................23 6.4 Profit distribution .................................................................................................................... 24

7. Financial model ............................................................................................................................... 25 7.1. Profits ........................................................................................................................................... 25 7.2. Use of funds .............................................................................................................................. 26

8. Token Distribution .......................................................................................................................... 27 8.1. Token Distribution ................................................................................................................... 27 8.2. Token overview ........................................................................................................................ 28

9. Core team, investors and experts ............................................................................................ 30 10. MNP achievements ....................................................................................................................... 33 11. MNP Corporate structure ............................................................................................................ 35 12. Disclaimer of liability ................................................................................................................... 36 13. Attachment ..................................................................................................................................... 39

1. Risks connected with token price. .................................................................................... 39 2. Blockchain and software related risks ............................................................................ 40 3. Security risks. ............................................................................................................................. 41 4. Platform development related risks. ............................................................................... 42 5. Company business related risks ........................................................................................ 43 6. Government related risks. .................................................................................................... 44

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1. Monopoly project overview

1.1. Summary. 8 reasons to participate

01 Monopoly is the first decentralized investment blockchain-platform

that allows you to combine the most promising projects into one fund.

the fund's investors are free to decide on development, business scaling

and profit distribution. Those who have interesting projects, but no resources

to implement them, will be able to realize their dreams. We are creating

an ecosystem that will enable entrepreneurs to safely and remotely manage

their businesses, allowing them to scale their operations and maximize

profits with the help of advanced technologies.

02 The platform has 9 integrated modules, through which participants interact

with each other and perform other actions. Modules are divided into 3 levels:

• Ongoing projects - allows you to participate in the scaling

of projects and the distribution of project profit

• New projects - allows you to submit new projects for consideration

and put them to a vote

• Participants - allows project participants (investors) to interact with

the system. The platform has 2 sublevels of participants:

• Project owners in the platform

• Investors

03 Using the platform allows us to solve the basic problems of both investors

and start-ups. Those projects who work with Monopoly receive

opportunities to:

• Attract funds to their projects, avoiding large-scale advertising

costs and other financial costs;

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• Develop and scale their projects.

In turn, investors get the opportunity to:

• Invest in projects safely;

• Monitor the appropriate use of funds within the startups.

• the Monopoly platform will maintain a blockchain register

of all interactions between participants: voting results,

applications for new projects and fund allocations.

• Our platform is based on two interconnected blockchains:

Ethereum 1 (for operations with tokens) and a blockchain

network that is used to conduct transactions by participants

on the platform 2.

04 Proven business model. We started with attracting investments in the crypto

currency for constructing mining farms. the concept has already justified its

existence:

• the TRM 1 mining farm has been launched, with more than 1,000

investors receiving a stable income

• the second mining farm TRM 2 is at the start-up phase

05 Now we are launching a new project based on the use of blockchain

technology, which will allow even an inexperienced person to become

1 Using tokens on Ethereum (ERC-20 standard) eliminates the difficulties associated with the use of conventional (fiat) money, such as low transaction speeds, currency conversion hiccups and money transfer restrictions between some countries. 2 Thousands of participants will interact on the platform; their operations will be recorded in the internal blockchain-registry of Monopoly. Using Ethereum to record such a large number of events would be impractical because of the low speed and high transaction costs of this blockchain.

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a professional investor and help them manage their assets in real time.

06 MNP Token (on the Ethereum ERC-20 standard) is a utility token that helps

to build links between projects that generate revenue, new projects

and token-holders (investors). MNP tokens will become the local currency

of the platform, with the help of which investors will be able to manage their

assets.

The participants use MNP tokens for the majority of operations:

• Voting for the launch of new projects

• Voting for scaling projects

• Voting for profit distribution

• Scoring new projects

• Withdrawing the profits of the token-holder

07 Monopoly is committed to transforming a huge industry. MNP is aimed

at a large and fast-growing market.

There are a huge number of investors constantly investing in tokens

of various ICOs and buying cryptocurrency for the purpose of making money

in the cryptocurrency market. Unfortunately, this market is not regulated

and there are a lot of failed and fraudulent ICOs where investors lose their

money forever.

Also, there are a huge number of promising projects without the means

to reach the ICO stage and show their product to investors.

The Monopoly project unites supply and demand in this market. With

the help of a decentralized blockchain platform and greater opportunities

for decision-making, it also removes the risks of losing investors' funds.

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2. MNP token sale terms and conditions GENERAL INFORMATION

Name of the token MNP

Blockchain platform Ethereum

Standard ERC-20

Price per token 0,001 ETH

Payment methods Bitcoin (BTC), Ether (ETH), Litecoin (LTC), Bitcoin Cash (BCH), Neo (NEO), Terraminer (TRM1), TerraMiner (TRM2)

CROWDSALE TARGETS

Soft Cap (minimum) $ 1 000 000

Normal cup $ 5 000 000

Optional cup $ 10 000 000

Hard (maximum) Cap $ 25 000 000

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TOKEN DISTRIBUTION

Distribution principles For every 70 tokens sold, an additional 30 tokens will be issued for the foundation.

Maximum number of tokens for sale

42, 000 000

Maximum number of tokens for the foundation

18, 000 000

Maximum total amount of tokens

60, 000 000

There will be no gap between the maximum

possible amount and the real amount.

SALE STAGES

Date Minimum/maximum amount of investment

Round 0 10 June - 30 June

Round 1 5 July - 10 July

Round 2 11 July - 20 July Round 3 21 July - 31 July

Round 4 1 August - 10 August

Round 5 11 August - 20 August Round 6 21 August - 31 August

Round 7 1 September - 10 September

Round 8 11 September - 20 September Round 9 21 September - 30 September

100 tokens/no maximum amount

limit

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BONUS POLICY

Early purchase bonuses

Round 0 Round 1

Round 2

Round 3 Round 4

Round 5

Round 6 Round 7

Round 8

Round 9

+100% +45%

+40%

+35% +30%

+25%

+20% +15%

+10%

+5%

Major purchase bonuses

More than 10,000$

More than 50,000$

More than 100,000$

+5%

+10%

+20%

Bonuses may be summarized, which means major purchase bonuses may be added

to early purchase bonuses.

DISTRIBUTION AND LISTING

Initial distribution is to take place in June 2018.

Listing is planned for October 2018.

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ADDITIONAL INFORMATION

Sales geography MNP tokens may not be sold or transferred to natural persons or legal entities, living or

registered in the USA (including all the states

and the District of Columbia), in Puerto-Rico, in the United States Virgin Islands or other US

territories, as well as in all countries that ban digital

token operations by law.

Website www.monopoly.live

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3. the mission of the MNP project

3.1. The main idea

The main idea of the Monopoly project is to organize a remote and secure

interaction between investors and the most profitable projects in the cryptocurrency market, to build transparent relations without risk and with

maximum profitability.

We are creating an ecosystem based on a proven business model for attracting investments in cryptocurrency, which has justified its existence in the construction

of mining farms.

The main idea of the Monopoly project is to organize interaction between investors and projects in the cryptocurrency market in order to build transparent relations

without risk and with maximum profitability.

• The Investors. It is important for every investor to preserve and increase their capital by investing only in projects that will

develop and generate income.

• The Projects. It is not always enough to have a good idea to create

a business and start earning; first of all you need funding to begin and mentors to help you avoid making the wrong choices.

To attract a large number of investors and promising projects to participate in

the fund, MNP must provide a decentralized software solution for the safe and transparent relationships of the participants.

To this end, we created a mobile investment decentralized blockchain-based

platform, where users can make their decisions about the creation and development of businesses. This will change the way investors interact with

ideologists of new projects and make these relationships more valuable

and effective.

We are launching the MNP project to expand opportunities for interaction between

these parties. MNP tokens (ERC-20 standard) will allow access to the Monopoly

platform.

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3.2. Solving market problems

Monopoly solves four major problems of investment funds

01 Raising funds for start-ups MNP allows a start-up to be placed on the platform and to attract fund investment through decentralized investor voting. the funds enter escrow

and unlock partially when the team performs tasks within their road-map.

02 Appropriate use of funds Not all the start-ups show the same profitability. At the selection stage, we

not only evaluate projects in context of formal requirements, but we also use

a neural network to analyze their reliability and profitability. the revenues received from the projects are distributed through a decentralized platform

for participant voting. Thus, we not only "collect and invest" funds

for the purpose of general enrichment, but we also can justify why this particular project was admitted to the fund-raising stage.

03 Development and scaling of projects The most promising and profitable projects are scaled by decentralized voting of participants at the stage of profit distribution. Failure to comply

with funded processes leads to termination of financing, which stimulates

the start-up team to perform tasks properly.

04 Safe investment in projects Fund investment decisions are made by decentralized member voting, which

reduces the risk of making a wrong decision.

3.3. MNP token

We release MNP tokens (compatible with Ethereum ERC-20) to provide interaction

between participants on the platform. MNP tokens will serve to access the platform. This gives the token holders the right to participate in voting

conducted within the system/ There are two ways to acquire MNP tokens:

• to participate in the crowdsale. the total offer will be limited by the number of tokens created on the crowdsale.

• to purchase tokens on cryptocurrency exchanges.

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4. Platform technology

4.1. Platform architecture

The platform consists of 9 integrated modules that allow full participation in

the project. the modules are divided into three levels:

01 Projects underway, where investors are able to participate in the expansion of a project or in profit distribution.

02 New project, where new projects can be proposed and put on the vote.

03 Participants. There are two groups of participants on the platform.

• Project owners

• Investors

DECISION-MAKING MECHANISM

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4.2 Blockchain use

Blockchain allows Monopoly to create a transparent and easily controlled system

for all participants. to ensure we are a transparent system, we will provide all the participants with access to our blockchain register instruments. Participants will

be able to verify registered data if necessary, so potential conflicts can be easily

avoided.

The platform is designed for professional investors as well as for newcomers. Our

purpose is to give participants an opportunity to enter the market with promising

and profitable projects by using a decentralized voting system. We are planning to cooperate with other ICO projects as well as with start-ups from other market

segments, helping to ‘tokenize’ them.

Votes, project accounts, inner exchange transactions and other operations will be put into the Blockchain register. Project modifications and important events will

also be recorded for analysis. In a day, millions of such events and operations can

take place.

It would not be efficient to use Ethereum to register such a large number

of operations due to its slow transactions and its high expenses. That’s why

the Monopoly platform is based on the two interrelated Blockchains.

01 Ethereum, which is used for cryptocurrency operations.

02 Our private Blockchain used to inner operations on the platform.

The Monopoly private Blockchain will be based on a node network. It will be supported by the company first. Later, we are planning to transfer to

the participants the right to manage separate nodes partially or wholly. This will

help us to create a decentralized network that responds to the main idea of any Blockchain project - to be independent of any part. This decentralized Blockchain

technology will also be used to provide quick and effective platform expansion.

Node operators will have access to the Blockchain register so that they could verify any operation and solve possible conflicts. Network operators will receive special

software to download and install, which is a very easy procedure. This software

is needed to launch the node. All the necessary instructions will be given and support services will be available 24/7.

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4.3. Technology structure

In Monopoly, we have analyzed different solutions and private Blockchain organization methods. We think that the Hyperledger Fabric technology is well

suited to our demands. This technology belongs to the Hyperledger open source

family, which was developed by the Linux Foundation. At the beginning, Hyperledger Fabric was being developed by Digital Asset and IBM. the Monopoly

network based on Hyperledger Fabric will interact with the Ethereum network

through the universal API we are planning to develop. the planned technology structure includes:

• Amazon AWS Ubuntu, a virtual server to deploy blockchain nodes.

• E-Commerce suite, a third-party e-commerce system that specializes in cryptocurrency and on tokens.

• Golang to develop the blockchain system.

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• ReactJS, Android Studio and XCode to design the user interface.

for examples, see the paragraph below. Several functions will be transferred to outsourcers we can trust.

Still, our team will also control the quality of their work.

4.4. Realization modules

In fact, Monopoly is a constructor that allows the combination of diverse modules in

order to attract investors and projects and allow for their interaction.

MNP tokens will act as a means of access to the platform and the platform’s

currency. They will be also used in the other 9 modules. We will launch MNP tokens

that are compatible with Ethereum ERC-20 in order to assure participants’ interaction on the platform. MNP tokens act as:

• A means of access to the Monopoly platform, verifying token holder’s rights to vote on the platform.

• The platform’s currency. Tokens will be used in transactions

on the platform. This will help to avoid difficulties emerging from fiat money usage, such as slow transactions and international

remittance limits.

NEW PROJECT LEVEL

It consists of two modules that allow to attract new projects.

01 Project scoring module This is a part of the new project level and will be based on the Monopoly Blockchain system. When a new project requests to participate in

the platform, we will ask the project leaders to provide some information

about the project, such as a description, the amount of funds needed to realize it, period of realization and planned profitability. After that,

the project will be scored and an appropriate status will be given to it.

Scoring is performed by participants. the project will be rated with a number from 1 to 100 and put to the vote.

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02 New project voting module This is a part of the new project level and will be based on the Monopoly

Blockchain system. This module shows projects that have passed scoring. Their score and information about them can also be seen here

and participants can vote for investment in the project in order to start

realizing the project.

CURRENT PROJECTS LEVEL

03 Project statistics module This is a part of the Projects-in-work level and will be based on the Monopoly

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Blockchain system.

This module shows the indices of the current projects, such as:

• The name of the project

• The price per token on the exchange

• A graph of the increase in the token’s price

• The balance

• The total profits

• The project’s profits within the last month

• A monthly graph of profits received by the participant

04 Profit distribution module This is a part of the Projects-in-work level and will be based on the Monopoly

Blockchain system. Profit will be distributed according to the proportion system in the Monopoly

Blockchain as follows:

20% to the accumulation foundation in order to invest in new projects and to expand existing ones.

30% to the team of the project as their profit.

50% to all token holders that invested in the project. Monopoly’s profits are also deducted from this 50%, for it is also a token holder.

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05 Project expansion module This is a part of the New project level and will be based on the Monopoly

Blockchain system. With the help of this module, participants can participate

in a decentralized vote and thus select projects to invest in so that the project expands and the profits increase.

06 Reserve funds distribution module This is a part of the Projects-in-work level and will be based on the Monopoly Blockchain system. With the help of this module, participants can vote

on the methods by which reserve funds will be distributed and decide

whether:

• To invest in a new project

• To expand a project in work

• To distribute funds among token holders

07 Foundation’s statistics module This module shows statistical data on the work of the foundation over

a period of time.

• The foundation’s token capitalization

• The capitalization of all the foundation’s projects

• The foundation’s profits

• The number of token holders

• The amount of reserve funds

• The number of new projects ready for investment

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PARTICIPANTS’ LEVEL

08 Personal account The personal account module contains participant credentials, such as:

• Token wallet address

• Email

• Urgent support phone number

• Urgent support Telegram

09 Inner exchange module This module is designed to allow participants to trade tokens.

POSSIBLE CHANGES IN TECHNOLOGY

We live at a period of time when technologies skyrocket. the description above

is based on the present technologies and scientific knowledge. the Monopoly team

retains the right to make changes in approach, architecture, technological structure etc. Monopoly continues to conduct research so that more efficient

methods to reach our aim can be found in the future.

.

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5. Our business plan DISCLAIMER

To develop a complex product is a complicated and unpredictable process and it may be necessary to change strategy at any moment. Below, we provide our

development plan, where we explain how each module will be realized. This is not

a final or definitive plan. We constantly explore the market and stay in contact with professionals in the field, investors and project owners in order to organize

the process and establish priorities in the most effective way.

March 2017 - May 2017: First mining farm purchased and a rig of three Radeon R390

GPU launched. Breakeven point passed.

• September 2017: ICO TRM1

• December 2017: ICO TRM1 realization

• January 2018: ICO TRM2

• February 2018: Foundation launch projects examined.

• April 2018: Trading company foundation.

• April-May 2018: Platform demo creation

• June 2018 - September 2018: ICO

• September 2018: TRM1 and TRM2 enter STIGL Ltd.

• October 2018: Token listing

• October 2018: Negotiations with underwriters on public stock offering on the Cypriot exchange

• September 2018 - November 2018: Platform launch

• November 2018: Scoring and voting on the launch of new projects.

• December 2018 - February 2018: Launch and realization of projects.

• March 2019: Public company creation

• April 2019 - October 2019: Audit performed in order to evaluate capitalization and the price of the assets belonging to the public

company

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• January 2020: Stocks handed out to foundation token holders and

public stock offering on the Cypriot exchange

• March 2020: First dividends paid to stockholders.

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6. How it works

6.1. Project scoring and neural network.

In order for Monopoly to develop and show a large return, it is important to avoid

mistakes while selecting a project. That’s why we have introduced a two-level scoring system.

• When a project sends us a request to participate, an initial profile will be created that includes all the necessary characteristics. Then

the platform itself decides the status of the scoring, according to

a priority scale that contains both key and less important criteria.

• We will create an evaluation system that examines working profile

analysis data using a neural network (3 factors, 1 answer).

The neural network is also used in voting as it helps to foresee more details thanks

to its big data underpinning. We will receive an answer like ‘there is a 71% chance that the project will succeed’, and therefore we will make decisions based not only

on our own experience or on expert advice, but using a multi-factor analysis.

During scoring, the neural network analyses relevant data such as the industry’s potential, the structure and capitalization of similar projects and common mistakes

that may lead to positive or negative consequences. This data helps us understand

the potential success of a start-up, things that need special attention and necessary improvements that can be made to avoid failure. a human brain,

even an outstanding one, cannot take into account tens of thousands of factors at

the same time. Unfortunately, bad consequences tend to occur when a wrong decision has already been taken, and these decisions can have an impact both

on finances and on reputation.

We want to change this. We have collected a large amount of data and taught our neural network to understand which ideas are promising and which will fail. We

have learned a lot about how to use the data in order to study every potential

start-up in a very thorough manner. Bank scoring systems do not have this option; that’s why they issue credit to people who fail to return it.

We also use the neural network in the voting process on important questions

related to the start-up. There’s no doubt that investors have great experience, but

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it is always useful to have a hint based on data analysis. Monopoly gives this

opportunity to its investors.

As an example: three solutions of a payment system modification were proposed.

They differed little and investors chose the second one, which the neural network

considered to have a 21% probability of success. the first solution’s percentage was 44% and the third one’s was 75%. Therefore, the selected solution’s effectiveness

was finally no more than 7% because there were emerging problems to compensate

for.

Factors and algorithms the evaluation is based on are Monopoly’s secret product.

During voting, the index of effectiveness is a recommendation. It is also

an obligatory component of the initial scoring of new projects that try to attract investors.

6.2 Project expansion

The Monopoly platform allows us not only to launch promising start-ups, but also

to expand and develop projects that are already profitable. If necessary, a project may be put to the vote to get additional investment. the amount of the investment

should be determined, as well as expansion stages and planned improvements due

to the investment. Investors are able to examine the project, decide whether it is profitable and whether all the development stages can be accomplished in due

time etc. Then they make a decision through a decentralized vote on whether

to allocate funds or not.

The control over the project expansion is performed by investors with the help

of public reports on all of the development processes published on the start-up’s

page on the Monopoly website. that means there is no need to encourage the project’s development: we have the ability to cut investments to the start-up.

6.3 Investments in start-ups and in expanding projects

The Monopoly platform has its own funds to invest in new projects and to expand projects already underway. Initial funds are collected during MNP token sales

during the ICO, after the launch of a project and their profits. 20% of the profits

goes to the accumulation foundation that finances new projects and expands projects already underway if investors have voted for it. Investments come stage by

stage and each stage has its deadline and its allocated amount. If a stage passes

successfully and investors accept the work, they are funded for the next stage. This reduces the risk of a situation where the project does not complete its tasks. This

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also reduces the risk of losing investor money, which occurs if a project is financed

fully.

6.4 Profit distribution

The Monopoly platform distributes profits coming from projects underway

on the 1st day of each month. All of the profits pass through Monopoly crypto

wallets, expenses are returned to the start-up and net profits are divided according to the following proportion:

20 % — накопительный фонд, для финансирования в новые проекты и

масштабирование рабочих проектов

30 % — уходит команде проекта в виде прибыли

50 % — распределяется между держателями токенов, которые вложились в этот

проект (здесь же прибыль Monopoly, поскольку она так же является держателем токенов)

Investor profit withdrawal from their personal account is automated and performed

when the balance reaches $50. Funds accumulated in the foundation may be withdrawn in a year by token holders through a decentralized vote if at least 60%

voted to do so.

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7. Financial model The Monopoly platform can host an unlimited number of projects. During and after

token sale, projects will be attracted to the platform so that they can pass

the scoring procedure and attract funds. the Monopoly decentralized system will help to select the most promising and profitable projects and to give investors

the means to encourage project development and to contribute in order in order

to receive maximum revenue.

7.1. Profits

Let’s examine a project in work model. It is an already realized Monopoly project

that is already profitable.

TRM1 is a fully Blockchain project and in every ICO stage collects investments in

cryptocurrency, mines cryptocurrency and returns it. Blockchain makes the whole

TRM structure transparent, which allows us to put projects to the vote in order to receive investments.

The project is a mobile mining farm where having TRM tokens makes you eligible

to possess a hashrate unit. Investors receive their profits according to the number

of tokens relative to the megahash amount: if you have 5 TRM tokens, you will have 5 MH/s bringing profits to you. Mining profits are divided 50/50 and 10% are

reinvested in the hardware in order to increase computing power. that means

that neither investors nor company do not run the risk of equipment wear or obsolescence, as the equipment is constantly updated while it is profitable.

Business control has made TRM a cryptocurrency flagship and has proved

that public decentralized systems are not only viable, but more eligible to be developed or expanded than traditional fiat projects.

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7.2. Use of funds

In a scenario where the project raises $25 million US dollars, the fund distribution

will be the following: 20% for platform development, 3% on bounty program, 12% advertisement and marketing, 5% team and advisors salaries, 50% for starting up

projects.

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8. Token Distribution MNP tokens are Ethereum ERC20 compliant designed to facilitate cooperation

between the platform participants and serve as its internal currency.

There are two ways you can purchase MNP:

• Join the crowdsale.

• Purchase tokens later on cryptoexchanges.

8.1. Token Distribution

Token distribution rules are set to ensure transparency of token distribution mechanics between crowdsale participants and the fund.

The chart below describes the token distribution structure:

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A maximum of 42,000,000 tokens will be available during the token sale with

18,000,000 tokens earmarked for the fund’s development. Thus the total maximum

generated token supply will reach 60,000,000. the final number will depend on the amount of MNP sold during the crowdsale. an artificial difference between

the maximum supply and the distributed amount of tokens won’t be created.

the fund’s tokens (30%) will be unlocked upon reaching the following goals:

5% — MNP tokens listed on an exchange;

5% — scored the first 3 projects;

5% — 9 Monopoly platform modules launched;

8.2. Token overview

WHAT IS AN MNP TOKEN

MNP tokens represent partially cryptographic software serving a function

on the Monopoly platform. MNP tokens are built on the Ethereum protocol

and comply with the widely accepted ERC20 standard. MNP tokens are only functional within the MNP platform and serve the needs of the ecosystem's internal

economic development and ensures transparent and honest cooperation between

the MNP platform participants. MNP tokens are intended for use exclusively within the set guidelines. the scope of these guidelines can be extended with time,

for example, with adding new services and improvements available in exchange

for MNP tokens. MNP tokens are designed for expert use in blockchain-based

software and cryptographic tokens.

USING MNP TOKENS

Using the MNP tokens on the MNP platform. MNP tokens fuel the main functions of the MNP platform. All the MNP platform features are only available to MNP

token holders. We are planning to list MNP tokens on various cryptocurrency

exchanges, allowing free trade (except for residents of countries with legal restrictions on token transactions). a user wishing to begin using the MNP platform

must purchase MNP tokens on an exchange. They can also be sold on an exchange

if the holder decides to stop using the MNP platform. However, securities exchange regulators in countries like the USA and Singapore can ban MNP token transactions

for its residents. When purchasing MNP tokens the user must be aware

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of the restrictions and regulations regarding token sales. Thus, he is obliged

to follow our guidelines and above all, the law, in regards to token transactions.

MNP community expression of opinion. the MNP platform gives MNP token holders an opportunity to express their opinions on various issues and project management

via decentralised community voting. the decisions expressed through this

decentralised voting mechanism will serve as recommendation in making various decisions.

WHAT MNP TOKENS ARE NOT

MNP tokens are not securities under any jurisdiction. This White Paper is not

a prospectus of any sort or a solicitation for investment, nor does it in any way

pertain to an offering or a solicitation of an offer to buy any securities or shares through an initial public offering process in any jurisdiction. MNP token is not

a digital currency, security, commodity, or any other kind of financial instrument

and has not been registered under the Securities Act, the securities laws of any state of the United States or the securities laws of any other country, including

the securities laws of any jurisdiction in which a potential token holder is a resident.

MNP tokens do not represent a debt security of the Company. MNP tokens are not debt instruments or any form of securities or bonds on behalf of the Company.

Purchasing MNP tokens through the public token sale or through any other way

does not confer the rights to participate in distributing financial or any other assets on behalf of the Company.

MNP tokens are non-refundable. the Company is not obligated to provide refunds

to token holders in exchange for their MNP tokens in any form. MNP tokens do not hold promises of future value, commitments to continuous payments or guarantees

that MNP tokens will hold any value.

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9. Core team, investors and experts

Pavel Kuznetsov

CEO

A mathematician, mining and investments expert,

previously a research fellow for IVOTECH – the first joint

Russian-German enterprise Software developer.

Igor Tolstopalov

Developer

An expert in YII2, Kohana, Prestashop, PHP, JS, HTML,

CSS and Git who has created dozens of online shops,

information resources and special software for more than

7 years of work experience. Field of responsibility:

software and interoperability.

Nikita Kurdin

Developer

An expert on YII2 framework, Linux, PHP, JS, HTML,

NativeScript, Phonegap, Git. In over 8 years of experience

Nikita has developed and implemented a wide range of

software solutions, including website engines, one of them

for LogicBoard forums. He is a certified specialist in network

and software security and hackproofing. He is also

responsible for building software for TerraMiner, as

well as communication with third party online services and

messengers.

Alexander Tikhonov

Developer

Has the know-how and the

skill to work with almost everything related to the Web

or Web technologies, php, c-extensions, Zephir, Phalcon,

Web3, Blockchain. Has been developing software for over

10 years. Has worked in game and game algorithms

development as well as web-services and apps.

Sergey Filippov

Developer

Has been coding client and

server JavaScript for over 5 years. Has created desktop

applications with Electron and nodejs. Console applications

and utilities guru. In his free time does data analysis and

codes Haskell.

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Denis Shpuganich

Developer

Has been working in web-

development professionally for over 5 years. Knows the ins

and outs of programming PHP, popular engines, frameworks

and databases. Has had experience working as part of

a team on highly demanding projects

Vyacheslav Posconin

Developer

The developer and auditor of

Ethereum Smart Contracts. The founder of

EthereumWorks educational center.

Svetlana Kakovkina

Developer

Creates incredible User Interfaces, makes miracle

pages in full accordance with advanced standards, masters

all Front-End technologies, frameworks and libraries.

There are no issues she can't deal with.

Tatiana Sherstneva

Developer

Huge experience in marketing. Used to develop ERP-systems.

Perfectly familiar with back-end technologies, as well as

front-end. She worked with all popular open-source CMS and

really knows how internal workings of big projects'

developers look like.

Alex Buryakovsky

Developer

Advanced web developer with

almost 5 years of experience in structuring developing and

implementing interactive websites. Self-driven

developer with great communication skills and

attitude to work. Responsible, honest, hard-working,

sociable. Good organizational and analytical abilities.

Irbayhan Goytemirov

Designer

Designer UX/UI webpages and

mobile applications. He ingeniously approaches any

task and makes his different interfaces compare with each

other, eventually creating a perfection

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Bogdan Prishenko

PR & media relations

Media specialist and journalist

with more than 8 years’ experience in PR, marketing,

and product management in both small and large-scale

projects.

Nadya Petrova

Head of HR

Basically, I am half a scientist, half a communicator. Thus, I

used to work as an experimental psychologist, IT

and crypto HR and recruiter, business consultant, maths

teacher and so on. Please feel free to contact me on any IT

HR, psychology or blockchain related questions, but

actually, any others work fine.

33

10. MNP achievements

01 April 2017 a GPU mining farm was built through internal funding and in just 4.5 months it managed to break even. Subsequently the decision to begin developing a unique cooling system was made.

02 July 2017 Submersive cooling system research & development begins. Tests have proved to increase profitability per mining unit through overclocking

ASIC chips by Innosilicon from (исходные данные) to (исходные данные) without the risk of overheating and breakdowns.

03 August 2017 Successful testing of the unique submersive cooling system

04 September 2017 Launch of the first ICO – TerraMiner, based on the experience received over the previous months that resulted in creating

a concept of a mobile mining farm inside a cargo container utilizing a unique

submersive cooling system. Located in China, near an ASIC manufacturer INNOSILICON on a guarded compound, which solves the issue of logistics,

electricity price and makes the launch quicker.

05 Late December 2017 TerraMiner 1 ICO successfully ends raising around $850,000 that went towards fulfilling the obligations given during

the campaign.

06 30 December 2017 successful launch of the TerraMiner 1 project, the mining

farm is commissioned and ASIC overclock procedures begin.

07 Early 2018 TerraMiner 2 project launch

08 January 2018 TRM1 token holders begin receiving payouts

09 January 2018 Testing and launch of TRM1 proprietary mining pool

10 January 2018 First batch of hardware preordered for TRM2

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11 March 2018 first batch of ASICs for TRM2 arrives, research & development of a second generation submersive cooling system based on the experience from the first farm.

12 15 March 2018 MONOPOLY decentralised blockchain fund conceptualized to be an ecosystem for investors and start-up projects. Platform

development begins.

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11. MNP Corporate structure MARTINGALE HOLDINGS LIMITED Address: 57/63 Line Wall Road, Gibraltar

36

12. Disclaimer of liability The information in this White Paper may be incomplete and does not imply any contractual or legal obligations. However, we have taken all the necessary

measures to provide information in this White Paper that is accurate, complete,

and as timely as possible. This White Paper and all the materials it contains do not constitute professional advice or a formal recommendation. Furthermore,

the Company reserves the right to modify or update this White Paper

and the information it contains at any moment without any notice. Within the limits permitted by applicable laws, regulatory acts and other rules of conduct,

the Company does not provide any guarantees and shall not be liable for any direct

or indirect expenses or losses, including, but not limited to losses in contract or in tort, loss of earnings, profits or revenue stemming from reliance on the accuracy,

recency, authenticity or completeness of information presented in the White Paper.

Furthermore, the Company shall not and does not aim to provide a guarantee, statement or promise of any kind to any natural or legal person, public or any other

body, regarding the accuracy, authenticity, completeness or recency of information

presented herein. Potential MNP token holders should seek advice from their respective independent advisers before considering entrance into any legally

binding agreements or contracts based on the information presented herein.

This White Paper is not composed in accordance with, and is not subject to, laws or regulations of any jurisdiction which are designed to protect investors. This White

Paper is not governed by such laws or regulations.

No public body of any jurisdiction has analysed or approved this White Paper for token circulation or any other activity on their respective territory. Releasing or

sharing this White Paper within any jurisdiction does not imply its compliance with

applicable laws, requirements or regulations. the tokens described in this White Paper are not being offered or advertised, cannot be resold or disposed of by

the owner in favour of natural or legal persons (I) holding a Green Card

of the United States of America, or (II) citizens, residents or other representatives of the United States of America (all states including the District of Columbia),

Puerto Rico, US Virgin Islands or (III) any other country or territory where

cryptocurrency operations are restricted or regulated in any way and in which a potential token holder is a resident. the purchased tokens cannot be transferred,

sold, or in any way disposed of by the owner in favour of aforementioned persons.

Potential token holders are solely liable for establishing (through their own means, including advice from third-party legal, tax or other professionals) the legality

37

within any given jurisdiction and situation, as well as taking all the necessary measures to comply with regulations and requirements without shifting the liability

to the Company.

Persons seeking to purchase MNP tokens (I) holding a Green Card of the United States of America, or (II) citizens, residents or other representatives of the United

States of America (all states including the District of Columbia), Puerto Rico, US

Virgin Islands or any other territories of the United States of America can request the Company to conclude an agreement in compliance with Regulation D.

Potential token holders are solely liable for establishing (through their own means,

including advice from third-party legal, tax or other professionals) the legality within any given jurisdiction and situation, as well as taking all the necessary

measures to comply with regulations and requirements without shifting the liability

to the Company.

By creating tokens described in this White Paper, the Company does not aim

to create stocks, bonds, securities or any other kind of financial instrument or

digital currency. MNP token has not been registered as a security under any jurisdiction the potential token holder may be subject to. Nothing in this White

Paper shall be deemed to constitute a prospectus of any sort or a solicitation

for investment, nor does it in any way pertain to an offering or a solicitation of an offer to buy any securities in any jurisdiction. However, legislative bodies of one

or more jurisdictions may, sooner or later, despite the Company disclaimers, define

MNP tokens as securities. the Company shall not be liable for such a definition and subsequently, for any consequences of such an event for potential token

holders. the Company shall not provide any advice or report on the possibility

of purchase, sale or any other action with MNP tokens.

The information in this White Paper must not serve as a basis for decisions to enter

a legal contract and/or make any token purchases. This White Paper must not be

construed as a solicitation for investment, nor does it in any way pertain to an offering or a solicitation of an offer to buy or in any other way dispose of MNP

tokens, and/or pay in cryptocurrency or any other form of payment. In case of any

doubts, we recommend potential token holders seek advice from their own professionals regarding the possibilities and potential consequences of purchasing

the tokens within their jurisdictions.

Certain statements, estimates and financial information contained in this White Paper constitute forward-looking statements or information. Such forward-looking

statements or information involve known and unknown risks and uncertainties,

38

which may cause actual events or results to differ materially from the estimates or the results implied or expressed in such forward-looking statements.

Nothing in this White Paper shall be deemed to constitute a promise or a guarantee

of high performance or high demand for the Company services and MNP tokens, or a promise or a guarantee of any sort of profits or dividends resulting from holding

MNP tokens.

the Company tokens confer no other rights in any form, including, but not limited to any ownership, distribution (including but not limited to profit), redemption,

liquidation, proprietary (including all forms of intellectual property), or other

financial or legal rights, other than those specifically described in the White Paper. However, the Company reserves the right to request (for informational purposes

only) opinions and feedback from token holders regarding specific questions. MNP

tokens do not confer voting rights on any business matters concerning the Company.

The Russian language White Paper is the primary official source of information

about the project. the information contained in the English version of the White Paper may from time to time be modified. It is possible that in the course

of translation or communication some of the information contained herein may be

lost, corrupted, or misrepresented. In the event of any conflicts or inconsistencies between such translations and communications and the official Russian language

White Paper, the provisions of the Russian language original document shall

prevail.

By reading this White Paper further, you confirm that you have read, understood

and accepted the provisions and restrictions set out in this Disclaimer of Liability.

39

13. Attachment RISK FACTORS

MNP token purchases involve a high degree of risk. We highly recommend every

potential buyer to study all available information about the risks mentioned below

before purchasing MNP tokens. If any of the risks mentioned below occur, the MNP platform and the price of MNP tokens may face negative effects. MNP tokens

holders may encounter risks and uncertainties other than those mentioned in this

White Paper, and such risks and uncertainties may have a negative impact on the MNP platform or price of MNP tokens.

1. Risks connected with token price.

1.1. Risk of absence of rights, functionality or characteristics. the tokens have no manifested or implied rights, fields of application, goals,

attributes, functional possibilities or features including any directions of use, goals, attributes, fields of application or features within

the MNP platform. the company has no obligations or guarantees

that MNP tokens have any rights, fields of application, goals, attributes, functional possibilities or features.

1.2. Risk of MNP token market development failure. As there has never been an open market for token trade, the initial sale of MNP tokens, described in the “Token sale” section of this White Paper may result in

low liquidity of the emerging market and token prices may be

unstable. In spite of existing token reservations, after the sale starts, the market may fail to develop or sustain liquidity. If the MNP token

market fails to develop, then token prices may become highly volatile,

thus leading to user inability to sell tokens or perform other operations when needed. the worst scenario means that it is not

possible to sell tokens at all. Secondary market exchanges or

platforms may be not regulated by law.

1.3. Risk of speculation. Secondary market token evaluation is seldom transparent and seldom free from serious risks. Tokens are not

an instrument of ownership of company assets and thus are not tangible assets. Token value can fluctuate significantly in short

40

periods of time. There is a serious risk for token holders to completely lose their investment. the worst scenario means complete token

devaluation.

1.4. No market value risk. MNP tokens do not have market value, and there is no guarantee or promise of MNP token liquidity. the company

owning MNP token is not and does not have to be responsible for MNP

tokens market value or its liquidity.

1.5. No refunds. the company has no obligation to refund token holders for any reason, and token holders will not receive any financial

resources or other kinds of compensation as a refund. No guarantees

have been or will be given of future economic indicators, intrinsic token value, sustainable returns, stable token value, etc. Therefore,

refunds can be impossible or may be subject to other laws

and regulations, that may differ from the law in force applied to token holders.

2. Blockchain and software related risks

2.1. Blockchain risks. Bitcoin and Ethereum blockchains generate blocks in undetermined periods of time, which creates a risk of contract

execution delay. for example, cryptocurrency inserted in a smart

contract during the last seconds of a token sale may be not included in the period block. Users understand and acknowledge that Bitcoin or

Ethereum blockchains may not include user transactions in the block

right away, and that users may not receive MNP tokens the same day they paid for them.

2.2. Overload risk. Bitcoin and Ethereum flowcharts face periodic overloads resulting in transactions delays or losses. Some individuals can overload Ethereum networks on purpose to gain advantages in

buying cryptocurrency. Ethereum miners may not include user

transactions in the block right away or may cancel them completely.

2.3. Risk of software flaws. the Monopoly Contract concept, responsible for “Monopoly Contract” MNP token generation and distribution, is still

in the early stage of development, as is the basic software responsible

41

for it (i.e. Ethereum blockchain). There are no guarantees or obliga-tions that the MNP generation process will have no interruptions or

flaws. There is an integral risk of software flaws and bugs that may

cause a complete loss of cryptocurrency and/or MNP tokens.

2.4. New technology risk. Both platform, tokens and issues mentioned in this document are new and not well-tried. Both platform and tokens

may turn out to be invalid. It is possible that no blockchain utilizing the platform will ever be launched. Token buyers are not to rely

on the platform, smart contracts or a future possibility of receiving

tokens affiliated with the platform. Even if the platform is created, realized and accepted, it may not function as expected and any tokens

may lack desired or valuable functional possibilities. Moreover,

technologies are changing quickly, and the platform and tokens may become outdated.

3. Security risks.

3.1. Private key loss risk. Purchased tokens may be kept in buyer’s digital wallets or storage, requiring one or a combination of private keys

to gain access. that means, that if a user loses his private key, he or she will lose both the tokens and the ability to access a wallet

to spend, withdraw, or transfer tokens to networks created by third

parties. In addition to this, any third party that received a private key, including through hacking the authorization data of a wallet or

storage used by a token buyer, can use the tokens stored in the wallet.

Company entities are not responsible for such losses.

3.2. Lack of token security. Tokens may be stolen. Various third parties, including hackers, may try to intervene with smart contracts or tokens

via various ways including malware, DDoS and DoS attacks,

coordinated attacks, network attacks etc. Moreover, as Ethereum is based on open source software, there is a risk of flaws and bugs

which may have negative impact on tokens or even lead to the loss

of tokens, loss of access to them and loss of management controls. Token holders are not given any guarantees of refund or

compensation if any such event occurs, and they have no legal means

to get such refund.

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3.3. Risk of cyber-attacks on Ethereum miners. the blockchain technology, on which smart contracts are based, is vulnerable to various cyber-attacks. Any successful cyber-attack is a risk for smart contracts. It

may also have negative impact on the expected time and order

of token transactions as well as on the accuracy and sequence of contract calculations.

3.4. Open keys connection failure. If a token buyer does not grant access for open keys connection to his account, it will result in a third party’s

inability to recognize the correct number of MNP tokens on the buyer’s Ethereum blockchain balance at the initial new blockchain balance

formation created on the MNP platform.

3.5. Risk of wallet incompatibility. a wallet used for MNP tokens storage must be compatible with MNP tokens. If this requirement is not met,

a token buyer may be unable to gain access to the MNP tokens after

their transfer from the platform to the wallet.

4. Platform development related risks.

4.1. 4.1. Dependency on third parties risk. Even after the launch, the platform will fully or partially rely on third parties for certain

functions, platform development, maintenance and support. There are

no guarantees that these third parties will perform their task properly, or meet anybody’s needs, and if they do not, it may have a significant

negative impact on the platform.

4.2. 4.2. Platform dependency on senior management. the MNP project team’s ability to ensure platform competitiveness depends to a high

degree on the management team. Any loss or weakening

of the management team, or project team’s inability to hire, keep and support additional members of the management team may have

significant negative effect on the platform. the competition for highly

qualified specialists is high due to their small numbers, and such a situation may affect MNP’s ability to keep the existing management

team and hire additional staff. It may also have negative impact

on the platform.

43

4.3. 4.3. Dependency on various factors. Platform development can stop for variety of reasons, including lack of public interest, underfunding, lack of commercial success or prospects, or key members quitting.

4.4. 4.4. Lack of interest. Even if the platform is completed and launched, the sustainable success of the platform depends on the interest

and participation of third parties, such as developers, for example. There are no guarantees that the platform will arouse enough interest.

4.5. 4.5. Platform changes risk. the platform is still under development and may undergo significant changes. Though company entities presume that the functional and features described in this White

Paper will be realized in the platform, significant changes may occur

for a variety of reasons. Each change may mean that token-holder expectations will not be met.

4.6. 4.6. Other projects related risk. the platform may cause alternative projects, supported by unaffiliated third parties, to appear and develop without increasing MNP token value.

4.7. 4.7. Cryptocurrency price fluctuations risk. the profits gained from token sales will be received in cryptocurrency and may be exchanged for other cryptographic and fiat currencies. If a cryptocurrency

exchange rate will change disadvantageously for the company during

token sale, during token presale or afterwards, the company entities may become unable to fund platform development and maintenance

as planned.

5. Company business related risks

5.1. Conflict of interest risk. Any company entity can be involved in operations with affiliated persons, including the majority shareholder

and companies he controls or owns a share in. Conflicts of interest

may occur between the company’s affiliated persons and the company itself, which may lead to deals concluded on non-

open market terms.

44

5.2. Risks associated with the recognition of the Company's entities transactions as invalid. Various actions may be recognized as invalid or even met with sanctions if necessary legal requirements are

violated. As existing regulations may have different interpretations,

the concerned party may not be guaranteed full protection against such threats, including but not limited to, deal annulation or any

obligation imposition, which in turn may have a negative impact

on the platform.

5.3. Risks of operating on developing markets. Company entities may operate on developing markets. This involves a higher degree of risk

than operating on developed markets, including significant legal,

economic and political risks. Countries with developing markets change rapidly, so the information provided in this document may

become outdated relatively soon.

6. Government related risks.

6.1. Lack of clear regulatory framework. the legal status of cryptocurrencies, digital assets and blockchain technology is still undefined or unclear in many legislations. It’s hard to tell whether

governments will regulate these technologies and how. It is also

unclear yet whether any public authority will change the existing laws and regulations of cryptocurrencies, digital assets, blockchain

and technologies associated with it. Such changes may have various

negative effects on tokens. for example, tokens can be defined as a regulated financial instrument, thus requiring registration.

the company can stop distribution of tokens and platform

development or stop all transactions in a particular legislation if government actions make it illegal or commercially impractical.

6.2. Inability to receive, sustain or renew licenses and permits. Though there are no legal requirements for companies owning tokens to get

licenses or permits for their activities, there is a risk that such requirements will be introduced in future. In such cases, the issue

of the exchange trading will depend on the future course of events

involving such licenses and permits and participants following it.

45

Regulatory authorities will make independent decisions on licenses, their dates and renewal and also on monitoring of participants

compliance with the licensing terms.

The requirements may be imposed by these authorities on any party involved. They may include various standards, staff qualifications, due

hardware and quality control system, control over our operations,

maintenance of corresponding applications, and provision of requested information to the licensing authorities. All of this may

be quite expensive and laborious and may cause delays in platform

operation. Moreover, private individuals and the public in general have a right to comment and get involved in the licensing process in other

ways, including adding judicial and political pressure. Therefore,

the licenses that any party involved may need may not be given or renewed on time, or may include requirements limiting the company’s

ability to operate or gain profit.

6.3. Government actions risk. the crypto industry is new, and can be

subject to increased supervision and control, including investigations and compulsory actions. There can be no guarantees

that a government will not investigate participant activities, and any

investigation may have negative effects on tokens and/or platform development.

6.4. 6.4. Risk of onerous laws, rules and standards. the violation of existing laws, regulations or government inspection decisions or an increase in governmental control over company operations may result in

significant additional costs or various sanctions, which may have

a significant negative impact on the platform or company operation. The company operations and property are subject to various state

bodies and agencies regulations. the regulative authorities tend to be

cautious with regard to compliance with, and interpretations of, existing laws, rules and standards. These authorities have right to,

and often do, perform periodic inspections of company property

activities during the year. Any future inspections may conclude that the company broke laws or regulations and cannot refute such

decisions or fix the violations. Any inability to comply with existing

laws may result in fines or more severe sanctions imposed on the company, which may result in a halt of business activity or

administrative or criminal prosecution of the corresponding company

officials. Any such decisions, demands or sanctions, or any increase

46

of governmental control over our activities may result in additional costs for the company and have a significant negative effect

on the company and platform.

6.5. Illegal or arbitrary government actions. In some cases, governmental authorities tend to act arbitrarily without due legal procedures

and can sometimes can even break the law or pursue their own

financial or political interests. Moreover, in certain circumstances a government has authority to intervene in contract execution,

annulation or termination. Many illegal, selective or arbitrary

government actions of have been reported, including refusal to license, sudden tax audits, prosecutions and administrative

penalties. Local and federal authorities used flaws in cryptocurrency

regulations as pretexts for lawsuits or transactions invalidations or annulations in pursue of their political interests. Given all

the possibilities mentioned above, our competitors may affiliate with

the government and thus get special preference.