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Secrets of Zurich LTD Whitepaper | 2nd of December 2019

Whitepaper

The world of finance is changing beyond belief. Decentralized blockchain technology brings incredible new opportunities to our society. Everyone can now be an equal part of a newly forming ecosystem of either financial or socially influential movements. Therefore, Secrets of Zurich goal is to allow everyone to use blockchain – the technology which enables cryptocurrency. Therefore, we were inspired to create Secrets of Zurich – personal multi-currency wallet.

It comes from incredible dynamics of the cryptocurrency market along with ever-increasing global acceptance which make them an equivalent part of financial ecosystem. ​With this in mind, SOZ provides a reliable, cost-efficient and fast payments’ infrastructure that caters the needs of cryptocurrency owners, who are looking for ways to use their coins in traditional ways.

SOZ is a highly convenient and simple blockchain based wallet for all top cryptocurrencies. It also includes a personal IBAN, easy ATM withdrawals, prepaid debit card and internal cryptocurrency exchange. ​Holding the traditional and crypto coins together gives user the flexibility to choose any preferred payment method just by pressing the button in their SOZ account.

1. FEATURES

1.1. Personal Multi-Currency Crypto Wallet

Easy access to the cryptocurrency world with secure storage and convenient user-friendly web interface. Possibility to store, spend or withdraw cryptocurrencies in just a couple of clicks.

At the moment, SOZ supports the most used and trusted cryptocurrencies including: Bitcoin, Ethereum, Ripple, Litecoin, Dash, Stellar Lumen, NEM (More currencies are added every month.).

1.2. Smart Transfers Within SEPA

One of the key to success is to combine FIAT with crypto to create and maintain the powerful bond between the traditional and the most groundbreaking financial technologies.

Our platform allows to convert cryptocurrencies to EURO and transfer them directly to any bank account located anywhere in the SEPA area (soon – almost anywhere in the world). No additional intermediaries for making payments. As most of banks avoid crypto at all cost – this is a great new and secure way to circumvent this problem: the cryptocurrency you will be sending to a particular bank account, will be firstly converted to FIAT and then will reach the bank account which you have specified.

1.3. Personal IBAN Number

Generate a personal bank account number to make easy crypto and FIAT operations. Users benefit of possibility to become fully capable cryptocurrency holders with all financial tools in their hands. IBAN numbers will allow to transfer FIAT directly to your SOZ account for more payment and withdrawal options.

1.4. Prepaid Debit Card with ATMs Withdrawal

Available to store and manage crypto together with the traditional currencies in one wallet. Make conversions between crypto, from crypto to traditional currencies and have a full control of all your wallets in one account. Also, get the ability to withdraw your funds in any currency instantly at any ATM worldwide. This feature will be available as soon as we will reach the necessary amount of active users.

1.5. Security

In the current situation with ordinary bank cards — there are many risks when it comes to online payments. A wide number of phishing schemes and other scams can easily be performed with the centralized networks as they currently are. SOZ disables this sort of risk because of sophisticated KYC standards which is necessary for user account security. Major part of users cryptocurrency funds is stored in segregated cold-storage wallets. SOZ is keen on maximizing cryptocurrency adoption while maintaining maximum personal data security along the way.

1.6. Internal cryptocurrency exchange

Instant one-click conversions between major cryptocurrencies as well as crypto to FIAT conversions at spot rates. SOZ already supports BTC, ETH, LTC ; EUR and soon will be available USD. More currencies are added every month.

1.7. Fast and cost-efficient global crypto transactions

SOZ platform enables exceptionally fast crypto transactions globally. It reduces the time of funds reaching the account from days to seconds. Also,

in comparison with other payment processing companies, SOZ offers most competitive transaction fee in the market – only 0,5% – almost free.

SOZ team is less concentrated on getting the maximum amount of commission but rather the spread of the technology worldwide. Quick and effective market penetration of an incredibly dynamic blockchain industry is more important than focusing on a single line on a P/L sheet today.

3. SOZ CARD

A SOZ prepaid card will give you a possibility to make instant withdrawals. Once you created a SOZ account, then you get all the tools for the fastest and cheapest payments and have the possibility to control all the crypto coins together with traditional currencies in one account.

Main features of SOZ card:

– control traditional currencies together with crypto coins and tokens – you can connect your card with all the crypto wallets already available in SOZ system;

– smallest transaction fee – only 0.5%, what is smaller in comparing with bank cards and other crypto wallets;

– possibility to pay with crypto or withdraw cash at ATMs anywhere Visa is accepted;

– If you want to hold your crypto, you can use the same card to pay with national currencies;

– no additional information about your account statement or your purchases, you free from financial institution control;

– no hidden commissions or frozen sums, you spend as much money as you want.

The card will be available in the nearest future after reaching of 5000 active SOZ users.

4. BUSINESS MODEL

The SOZ team is less concentrated on getting the maximum amount of commission but rather the spread of the technology worldwide. Quick and effective market penetration of the incredibly dynamic blockchain industry is more important than focusing on a single line of a P/L sheet today. Therefore, we will be executing an intensive marketing and global sales campaign in order to lead the market. The SOZ platform will focus on private clients and their needs.

Our business strategy is designed to reach the majority of cryptocurrency owners and enable their potential in the newly forming industry of decentralized global payments. Our 0.5% commission for a transaction is already an important point to make when we speak about outstanding from other payment processors.

SOZ will not only charge the lowest fee, but will also ensure the quality of the transactions in terms of speed, effectiveness and availability to customers. Our experience in similar projects will make SOZ go straight to where it is supposed to be — the leading brand of online crypto payment processing industry.

3. MARKETING AND STRATEGY

Marketing is one of the most important considerations for any business, particularly in the crypto space. With costs continuing to climb, brands are being forced to find new and engaging ways to market their products and implement new cost saving innovations.

As blockchain technology continues to evolve, brands are given access to more and more innovative ways to engage with customers and build lasting experiences. From loyalty programs to partnerships to personalization, the possibilities are virtually endless, making the future of crypto very promising and extremely impactful.

3.1. Network effect

The strategy of SOZ business development will be to not only spread as fast as technically possible but also on developing a trust and reputation system which will empower our expansion by live feedback and continuous improvements.

As mentioned above, our main goal is to be widely available for all crypto holders. There are many great ways of achieving this and all of them require hard work and impeccable performance. This is where the SOZ team is strong and will be further evolving together with the industry.

It is also important to educate the newly forming clientele. Not all businesses are fully (or even somewhat) aware of the benefits that blockchain technology is bringing.

We will make sure the information and these advantages are well communicated.

4. TOKENS

Benefits for SOZ token holders:

• Everyone who purchased tokens will be prioritized on the waiting list for the SOZ card.
• Extra cryptocurrency for payments in your SOZ wallet.
• Using SOZ tokens to pay for withdraw fees will give users 50% discount when withdrawing.

• Popular trading pairs available to trade SOZ token in exchanges.

SOZ token distribution and allocation

SOZ token details

5. ROADMAP

6. LEGAL NOTICE

This whitepaper (“Whitepaper”), in its current form, is being circulated by SOZ (referred to as the Company in this Whitepaper) for general information and to invite community feedback only on the SOZ project as presently conceived. The Whitepaper is subject to review and revision by the Company (as referred to in this Whitepaper) of SOZ. Please do not replicate or distribute any part of this Whitepaper without this legal notice. No part of this Whitepaper is intended to create legal relations with the recipients of this Whitepaper or to be legally binding or enforceable by such recipient against SOZ. An updated version of this Whitepaper may be published and announced by SOZ operating in its sole and absolute discretion.

PLEASE READ THIS SECTION AND THE FOLLOWING SECTIONS ENTITLED “DISCLAIMER OF LIABILITY”, “NO REPRESENTATIONS AND WARRANTIES”, “REPRESENTATIONS AND WARRANTIES BY YOU”, “CAUTIONARY NOTE ON FORWARD-LOOKING STATEMENTS”, “THIRD PARTY INFORMATION AND NO CONSENT OF OTHER PERSONS”, “TERMS USED”, “NO ADVICE”, “NO FURTHER INFORMATION OR UPDATE”, “RESTRICTIONS ON DISTRIBUTION AND DISSEMINATION”, “NO OFFER OF INVESTMENT OR REGISTRATION” AND “RISKS AND UNCERTAINTIES” CAREFULLY. IF YOU ARE IN ANY DOUBT AS TO THE ACTION YOU SHOULD TAKE, YOU SHOULD CONSULT YOUR LEGAL, FINANCIAL, TAX OR OTHER PROFESSIONAL ADVISOR(S).

This Whitepaper does not constitute a prospectus or offer document of any sort and is not intended to constitute an offer of securities of any form, units in a business trust, units in a collective investment scheme or any other form of investment, or a solicitation for any form of investment in any jurisdiction. Any agreement as between SOZ and you as a purchaser, and in relation to any sale and purchase of SOZ services (as referred to in this Whitepaper) is to be governed by a separate document setting out the

terms and conditions (the “T&Cs”) of such an agreement. In the event of any inconsistencies between the T&Cs and this Whitepaper, the former shall prevail. No regulatory authority has examined or approved of any of the information set out in this Whitepaper. No such action has been or will be taken under the laws, regulatory requirements or rules of any jurisdiction. The publication, distribution or dissemination of this Whitepaper does not imply that the applicable laws, SOZ Whitepaper regulatory requirements or rules have been complied with. This Whitepaper, any part thereof and any copy thereof must not be taken or transmitted to any country where distribution or dissemination of this Whitepaper is prohibited or restricted. No part of this Whitepaper is to be reproduced, distributed or disseminated without including this section and the following sections entitled “Disclaimer of Liability”, “No Representations and Warranties”, “Representations and Warranties By You”, “Cautionary Note On Forward-Looking Statements”, “Third Party Information and No Consent of Other Persons”, “Terms Used”, “No Advice”, “No Further Information or Update”, “Restrictions On Distribution and Dissemination”, “No Offer of Investment Or Registration” and “Risks and Uncertainties”.

6.1. Disclaimer of liability

To the maximum extent permitted by the applicable laws, regulations and rules, SOZ shall not be liable for any indirect, special, incidental, consequential or other losses of any kind, in tort, contract or otherwise (including but not limited to loss of revenue, income or profits, and loss of use or data), arising out of or in connection with any acceptance of or reliance on this Whitepaper or any part there of by you.

6.2. No representations and warranties

SOZ does not make or purport to make, and hereby disclaims, any representation, warranty or undertaking in any form whatsoever to any entity or person, including any representation, warranty or undertaking in

relation to the truth, accuracy and completeness of any of the information set out in this Whitepaper.

6.3. Representations and warranties by you

By accessing and/or accepting possession of any information in this Whitepaper or such part there of (as the case may be), you represent and warrant to SOZ as follows:
(a) you agree and acknowledge that the SOZ tokens do not constitute securities of any form, units in a business trust, units in a collective investment scheme or any other form of investment in any jurisdiction;

(b) you agree and acknowledge that this Whitepaper does not constitute a prospectus or offer document of any sort and is not intended to constitute an offer of securities of any form, units in a business trust, units in a collective investment scheme or any other form of investment in any jurisdiction, or a solicitation for any form of investment, and you are not obligated to enter into any contract or binding legal commitment and no cryptocurrency or other form of payment is to be accepted on the basis of this Whitepaper;

(c) you acknowledge and understand that: (i) while this Whitepaper does not preclude SOZ from offering holders of its tokens a share of the fees and revenue generated from the commercial applications of Secrets of Zurich products or ecosystem, such offer, if any, and the extent thereof, will be at the sole and absolute discretion of SOZ; (ii) there is no assurance whatsoever as to whether such offer will be made and holders of SOZ tokens should have no expectation of receiving any such offer; and (iii) no SOZ token should be construed, interpreted, classified or treated as enabling, or according any opportunity to, purchasers to participate in or receive profits, income, or other payments or returns arising from or in connection with the SOZ ecosystem, the SOZ tokens or the proceeds of

the SOZ (as described in this Whitepaper), or to receive sums paid out of such profits, income, or other payments or returns;

(d) you agree and acknowledge that no regulatory authority has examined or approved the information set SOZ WHITEPAPER 20 out in this Whitepaper, no action has been or will be taken under the laws, regulatory requirements or rules of any jurisdiction and the publication, distribution or dissemination of this Whitepaper to you does not imply that the applicable laws, regulatory requirements or rules have been complied with;

(e) you agree and acknowledge that this Whitepaper, the undertaking and/or the completion of the Secrets of Zurich or future trading of the SOZ tokens on any cryptocurrency exchange, shall not be construed, interpreted or deemed by you as an indication of the merits of Secrets of Zurich , the SOZ tokens, the SOZ, Secrets of Zurich products or ecosystem (each as referred to in this Whitepaper);

(f) the distribution or dissemination of this Whitepaper, any part thereof or any copy thereof, or acceptance of the same by you, is not prohibited or restricted by the applicable laws, regulations or rules in your jurisdiction, and where any restrictions in relation to possession are applicable, you have observed and complied with all such restrictions at your own expense and without liability to Secrets of Zurich;

(g) you agree and acknowledge that in the case where you wish to purchase any SOZ tokens that the SOZ tokens are not to be construed, interpreted, classified or treated as: (i) any kind of currency other than cryptocurrency; (ii) debentures, stocks or shares issued by any person or entity; (iii) rights, options or derivatives in respect of such debentures, stocks or shares; (iv) rights under a contract for differences or under any other contract the purpose or pretended purpose of which is to secure a profit or avoid a loss; (v) units in a collective investment scheme; (vi) units

in a business trust; (vii) derivatives of units in a business trust; or (viii) any other security, class of securities or form of investment;

(i) you have a basic degree of understanding of the operation, functionality, usage, storage, transmission mechanisms and other material characteristics of cryptocurrencies, blockchain-based software systems, cryptocurrency wallets or other related token storage mechanisms, blockchain technology and smart contract technology;

(j) you are fully aware and understand that in the case where you wish to purchase any SOZ tokens, there are significant risks associated with Secrets of Zurich ​and its respective business and operations, the SOZ tokens, Secrets of Zurich ​anticipated products, if any and the Secrets of Zurich​ ​ecosystem (each as referred to in the Whitepaper);

(c) (d) (k) you agree and acknowledge that Secrets of Zurich is not liable for any indirect, special, incidental, consequential or other losses of any kind, in tort, contract or otherwise (including but not limited to loss of revenue, income or profits, and loss of use or data), arising out of or in connection with any acceptance of or reliance on this Whitepaper or any part thereof by you;

(l) all of the above representations and warranties are true, complete, accurate and non-misleading from the time of your access to and/or acceptance of possession this Whitepaper or such part thereof (as the case may be); and

(m) all of the above representations and warranties are to be repeated at any time that you interact with Secrets of Zurich.

6.4. Cautionary note on forward-looking statements

All statements contained in this Whitepaper, statements made in press releases or in any place accessible

Secrets of Zurich WHITEPAPER 21 by the public and oral statements that may be made by Secrets of Zurich or its directors, executive officers, advisers or employees acting on behalf of Secrets of Zurich, that are not statements of historical fact, constitute “forward looking statements.” Some of these statements can be identified by forward-looking terms such as “aim”, “target”, “anticipate”, “believe”, “could”, “estimate”, “expect”, “if”, “intend”, “may”, “plan”, “possible”, “probable”, “project”, “should”, “would”, “will” or other similar terms. However, these terms are not the exclusive means of identifying forward-looking statements. All statements regarding Secrets of Zurich financial position, business strategies, plans and prospects and the future prospects of the industry which Secrets of Zurich is in are forward-looking statements. These forward-looking statements, including but not limited to statements as to Secrets of Zurich current or future revenue and profitability, prospects, future plans, other expected industry trends and other matters discussed in this Whitepaper regarding Secrets of Zurich are matters that are not historical facts, but only predictions. These forward-looking statements involve known and unknown risks, uncertainties and other factors that may cause the actual future results, performance or achievements of Secrets of Zurich to be materially different from any future results, performance or achievements expected, expressed or implied by such forward-looking statements. These factors include, amongst others:

(a) changes in political, social, economic, stock or cryptocurrency market conditions, and the regulatory environment in the countries in which Secrets of Zurich conducts its respective businesses and operations;

(b) the risk that Secrets of Zurich may be unable to execute or implement its business strategies and future plans;

(c) changes in interest rates and exchange rates of fiat currencies and cryptocurrencies;

(d) changes in the anticipated growth strategies and expected internal growth of Secrets of Zurich;

(e) changes in the availability and fees payable to Secrets of Zurich in connection to its anticipated products, businesses and operations;

(f) changes in the availability and salaries of employees who are required by Secrets of Zurich to operate its respective businesses and operations;

(g) changes in preferences of users of Secrets of Zurich products and the Secrets of Zurich ecosystem;

(h) changes in competitive conditions under which Secrets of Zurich operates, and the ability of Secrets of Zurich to compete under such conditions;

(i) changes in the future capital needs of Secrets of Zurich and the availability of financing and capital to fund such needs;

(j) war or acts of international or domestic terrorism;

(k) occurrences of catastrophic events, natural disasters and acts of God that affect the businesses and/ or operations of Secrets of Zurich;
(l) other factors beyond the control of Secrets of Zurich; and

(m) any risk and uncertainties associated with Secrets of Zurich and its businesses and operations, the SOZ tokens, Secrets of Zurich ecosystem (each as referred to in the Whitepaper).

All forward-looking statements made by or attributable to Secrets of Zurich or persons acting on behalf of Secrets of Zurich are expressly qualified in their entirety by such factors. Given that risks and uncertainties that may cause the actual future results, performance or achievements of Secrets of Zurich to be materially different from that expected, expressed or implied by the forward-looking statements in this Whitepaper, undue reliance must not be placed on these statements. These forward-looking statements are applicable only as of the date of this Whitepaper. Neither Secrets of Zurich nor any other person represents, warrants and/or undertakes that the actual future results, performance or achievements of Secrets of Zurich will be as discussed in those forward-looking statements. The actual results, performance or achievements of Secrets of Zurich may differ materially from those Secrets of Zurich WHITEPAPER 22 anticipated in these forward looking statements. Nothing contained in this Whitepaper is or may be relied upon as a promise, representation or undertaking as to the future performance or policies of Secrets of Zurich. Further, Secrets of Zurich disclaims any responsibility to update any of those forward-looking statements or publicly announce any revisions to those forward-looking statements to reflect future developments, events or circumstances, even if new information becomes available or other events occur in the future.

6.5. Third party information and no consent of other persons

This Whitepaper includes information obtained from various third party sources (“Third Party Information”). None of the publishers of the Third Party Information has consented to the inclusion of the Third Party Information in this Whitepaper and is therefore not liable for the Third Party Information. While Secrets of Zurich has taken reasonable action to ensure that the Third Party Information have been included in their proper form and context, neither Secrets of Zurich, nor its directors, executive officers, advisors and employees acting on its behalf, has independently verified the accuracy, reliability, completeness of the contents, or ascertained any applicable underlying assumption, of the relevant Third Party Information.

Consequently, neither Secrets of Zurich nor its directors, executive officers, advisers and employees acting on their behalf makes any representation or warranty as to the accuracy, reliability or completeness of such information and shall not be obliged to provide any updates on the same.

6.6. Terms used

To facilitate a better understanding of the SOZ tokens being offered for purchase by Secrets of Zurich, and the businesses and operations of Secrets of Zurich, certain technical terms and abbreviations, as well as, in certain instances, their descriptions, have been used in this Whitepaper. These descriptions and assigned meanings should not be treated as being definitive of their meanings and may not correspond to standard industry meanings or usage. References to persons made in this Whitepaper shall include corporations and other legal entities.

6.7. No advice

No information in this Whitepaper should be considered to be business, legal, financial or tax advice regarding Secrets of Zurich, the SOZ tokens, Secrets of Zurich anticipated products or eco-system (each as referred to in the Whitepaper). You should consult your own legal, financial, tax or other professional adviser regarding Secrets of Zurich and its businesses and operations, the SOZ tokens, Secrets of Zurich anticipated products and eco-system (each as referred to in the Whitepaper). Further, you should be aware that you may be required to bear the financial risk of any purchase of SOZ tokens for an indefinite period of time.

6.8. No further information or update

No person has been or is authorised to give any information or representation not contained in this Whitepaper in connection with Secrets of Zurich and its businesses and operations, the SOZ tokens, the Secrets

of Zurich anticipated products and eco-system (each as referred to in the Whitepaper) and, if given, such information or representation must not be relied upon as having been authorised by or on behalf of Secrets of Zurich. The SOZ (as referred to in the Whitepaper) shall not, under any circumstances, constitute a continuing representation or create any suggestion or implication that there has been no change, or development reasonably likely to involve a material change in the affairs, conditions and prospects of Secrets of Zurich or in any statement of fact or information contained in this Whitepaper since the date hereof.

6.9. Restrictions on distribution and dissemination

SECRETS OF ZURICH WHITEPAPER 23

The distribution or dissemination of this Whitepaper or any part thereof may be prohibited or restricted by the laws, regulatory requirements and rules of any jurisdiction. In the case where any restriction applies, you are to inform yourself about, and to observe, any restrictions which are applicable to your possession of this Whitepaper or such part thereof (as the case may be) at your own expense and without liability to Secrets of Zurich. Persons to whom a copy of this Whitepaper has been distributed or disseminated, provided access to or who otherwise has the Whitepaper in their possession shall not circulate it to any other persons, reproduce or otherwise distribute this Whitepaper or any information contained herein for any purpose whatsoever nor permit or cause the same to occur.

8.10. No offer of investment or registration

This Whitepaper does not constitute a prospectus or offer document of any sort and is not intended to constitute an offer of securities of any form, units in a business trust, units in a collective investment scheme or any other form of investment, or a solicitation for any form of investment in any jurisdiction. No person is obligated to enter into any contract or binding

legal commitment and no cryptocurrency or other form of payment is to be accepted on the basis of this Whitepaper. No regulatory authority has examined or approved of any of the information set out in this Whitepaper. No such action has been or will be taken under the laws, regulatory requirements or rules of any jurisdiction. The publication, distribution or dissemination of this Whitepaper does not imply that the applicable laws, regulatory requirements or rules have been complied with.

8.11.Risks and uncertainties

Prospective purchasers of Secrets of Zurich tokens (as referred to in this Whitepaper) should carefully consider and evaluate all risks and uncertainties associated with Secrets of Zurich and its respective businesses and operations, the Secrets of Zurich tokens, the Secrets of Zurich, and anticipated Secrets of Zurich products and eco-system (each as referred to in the Whitepaper), all information set out in this Whitepaper and the T&Cs prior to any purchase of Secrets of Zurich tokens. If any of such risks and uncertainties develops into actual events, the business, financial condition, results of operations and prospects of Secrets of Zurich could be materially and adversely affected. In such cases, you may lose all or part of the value of the Secrets of Zurich tokens.

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