Contact Information

Zavier Generate Murtza as he is legally known or Xavier Murtza as he seems to use in many places appears to have a debt collector and baliff work history, his role as CEO and Co-Founder of Bitcoinus appears to have been purely to conceal the alleged scamming by the other two Co-Founders and he is involved with other ICOs and companies all of which appear to be void of any legtimate activity.

Legal name | Zavier Generate Murtza

AKA | Xavier Murtza

Date of Birth | 12th of December 1969 (12/12/1969)

LinkedIn | Instagram | Twitter

ICObench | TrackICO | ICOrating


not_your_average_superhero_ | Xavier Murtza

38 posts | 29 followers | 115 following

LEFTMYJOB #newbeginnings Looking forward to new a new adventure.. #Asia here I come… @vcm_credit_management going global

People Per Hour

On the 18th of December 2018 Xavier Murtza was advertising for work on Twitter and People Per Hour, for someone claiming to be hiring staff all over the world this is an interesting step.

20th of December 2018 | Link to People Per Hour
£18 per hour | People Per Hour


John Wu who was the community support manager at Bitcoinus is now the Chief Information Officer of the Agro Stock Exchange (ASET) and Prosper Njoku who appeared to have an unofficial role at Bitcoinus promoting is an Advisor with Agro Stock Exchange.


Why was Zavier removed as CEO and Co-Founder of Bitcoinus?

Veritas Credit Management International Credit Management Limited

This company is not trading according to documents lodged. Also changed his name from Zavier Generate Murtza AFTER he was removed from Bitcoinus to Zavier Murtza which is the name used to become CEO of BIT Limited. The change was backdated 18 months to when this company was formed.

The company is currently overdue filing it’s last confirmation statement.

Company founded 17th of January 2017.

This company used the same address as Bitcoinus did when registering which is a mailbox forwarding service.

Change of name from Veritas Credit Management Limited to V-CM International Credit Management Limited on the 19th of February 2018.

28 Nov 2018 Registered office address changed from 3 New Concordia Wharf New Concordia Wharf, Mill Street London SE1 2BB United Kingdom to 9 Glentanner Eway London SW17 0PQ on 28 November 2018

10 Oct 2018 Accounts for a dormant company made up to 31 January 2018

22 Sep 2018 Change of details for Mr Zavier Generate Murtza as a person with significant control on 18 January 2017

10 Apr 2018 Confirmation statement made on 1 April 2018 with no updates

19 Feb 2018 Resolutions
Change of name by resolution
Change company name resolution on 2018-02-16

18 Jan 2017 Incorporation Statement of capital on 2017-01-18
GBP 1 Model articles adopted

Companies House

Agro Stock Exchange (ASET) ICO

Advisor to what appears to be an ICO registered in the Ukraine related to agricultural trading with no real world application with two members from the Bitcoinus team, one of whom has gone from community support to CIO.

TrackICO | Warning Agro Stock Exchange (ASET)

Agro Stock Exchange Team | Click for a larger image

Tevel ICO

Another ICO currently running where he is the Team Ambassador.

Tevel ICO

Tevel Team | Click for a larger image


Experienced Credit Manager with a demonstrated history of working in the accounting industry. Skilled in Negotiation, Credit Risk, Risk Management, Cost Control, and Credit Management and Credit Control. Strong business development professional with a “can do attitude”

Credit & Compliance Manager

Feb 2012 – Present
London, UAE, Manchester


Jan 2018 – Present
London, United Kingdom

BITCOINUS Limited offering a secure and safe way to make and receive payments in any major crypto-currencies.
An idea that from the drawing board has come to life with a great team providing a dedicated research and cutting edge crypto processing solutions for e-commerce.

Managing Director
V-CM (Veritas Credit Management Ltd)
Jan 2017 – Present
London, United Kingdom
I have over 15 years of experience in Credit Management, Credit Risk, Accounts Payable, Billings and Project Development and Credit Control and have worked and managed outsourced Accounts Receivables for a variety of organisations ranging from small to multinational blue chip companies in EMEA, AsiaPac.
Set up V-CM Veritas Credit Management Ltd to assist companies to focus on selling rather then chasing payment and to mitigate risk for my clients. With offices in London, Manila and Singapore V-CM is ideally placed to offer quality value for money international Credit Management and Compliance services.

Working alongside our clients V-CM ensures that is an extension of your business, our aim is to allow our clients to focus on increasing sales and worry less on the collection activity.

Practitioner of Martial Arts which has helped me focus and maintain a healthy aspect of how i view life and work. A
As one of my CFO said “Xavier does (exactly) what it says on the tin” See less

Global Credit Manager & Client Relationship Manager
Green Leads, LLC
Employed 2009 – 2011
London UK / Boston MA
•Increase revenue collections and reduce aged debt – Support Credit Control in routine cash forecasting, credit management and account administration
•Monitor DSO and Aged debt and Assist with cash Analysis and forecasting – including bad provision schedules and month end reporting
•To manage the risk in Accounts Receivables by assessment and review credit limits, establish internal and external client relationships. Client Relationship Management
•Assess automation of invoices and statements, to assist in forecast of cash flow from receivables and Accounts payables. Review and improve existing processes and documentation within the credit department.
•Manage the U.S and U.K collections and 3rd party collections agencies in the U.S and U.K
•Compiling Management reports – Completing UK Payroll and commission forecasting and approval

Credit Control Team Leader EMEA
Verizon Wireless
2005 – 2007
Reading, United Kingdom
•Managing a team of 10+ credit controllers, including setting weekly and monthly targets, staff appraisals, organising staff development plans, supervising staff performance.
•Managing a ledger of 9000+ accounts in UK, Ireland, Spain and Portugal with total value of £36 000 000(UK only).
•Increase collections through regular dunning procedures, resolution of customer disputes, negotiations with key account holders payment plans and settlements.
•Regular reporting including aged debt analysis,
•Credit Risk Assessment of a small portfolio of clients – involved drafting assessment models to establish possible risk mitigation measures, prevent exposure and ensure that credit terms adhered.
•DSO reporting and preparation of monthly cash forecasts for the all ledgers, Implementation of various internal projects in order to reduce DSO and increase monthly cash collections, including systems testing. SAP testing and assist in developing internal management reporting to accurately reflect collections, aged debt, and target setting.
•Assist in Analytical and system testing of SAP and Seibel, plan reporting structure to Manage customer credit risk, accelerate dispute resolutions and collections, thus reducing days sales outstanding,
•Reduce operating costs and bad debt write-offs. Ensure transparency and compliance in the recording, accounting, and reporting of financial transactions
•Assist in SAP training for finance department.
•Ensure that departmental KPIs are met.
•Dealing with internal and external customers in order to resolve various billing, pricing and invoicing issues.
• Liaising with 3rd party agencies for litigation or debt recovery work.
•Maintain Partner Revenue Management Partnership (Vodaphone)
•Ensure all adjustments (credit/Debits) were actioned correctly and in a timely manner prior to any new Billing.

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