Authors - FoxICO ? Communication: Day-to-day ... applications (dApp) ... channels, editing of companys

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  • Authors:

    Vladislav Kirichenko Vagan Abelyan Andrey Degtyaruk

    CEO (business@jincor.com) COO/CFO (business@jincor.com) CTO (tech@jincor.com)

    Summary:

    1. Introduction

    1.1. What is Jincor

    1.2. Context

    1.3. Organizations

    1.4. Participants

    2. ICO

    2.1. Current status

    2.2. JCR token

    2.3. ICO structure

    2.4. Roadmap

    3. Jincor Architecture

    3.1. Overall structure

    3.2. Core

    3.3. Auth

    3.4. Companies

    3.5. Messenger

    3.6. E-Documents

    3.7. Cryptocurrency wallets

    3.8. Smart contracts

    3.9. Arbitrage

    3.10. Architecture overview

    3.11. Risks

    4. Market

    4.1. Target market

    4.2. Business model

    5. Legal structure

    6. Conclusions

    mailto:business@jincor.commailto:business@jincor.commailto:tech@jincor.com

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    1. Introduction

    1.1. What is Jincor

    Jincor is a global intercorporate cloud ecosystem, which allows organizations and

    employees within them to conduct decentralized cryptocurrency transactions, create smart

    contracts, organize secure corporate communications, both internal and external, and

    establish new business contacts all around the world.

    In other words, it is a full-fledged digital jurisdiction based on blockchain technology,

    which is created to help organizations overcome a range of existing institutional and

    technological limits to boost their efficiency.

    1.2. Context

    Each organization has its own needs, which correspond to its business area and

    corporate structure, therefore, our solution deals with a few of the most common ones which

    are vital to every company:

    Communication: Day-to-day communication with colleagues and members of other

    companies is essential for the accomplishment of short-term and long-term goals, synergy

    and exchange of ideas and experience. Thus, communication belongs to a range of

    fundamental needs, which should be satisfied using the most convenient, secure and

    effective instruments. Jincor aims to meet this demand by creating a unified and well-defined

    business environment for corporate communications with no state borders or industry and

    institutional limits.

    Identification: One of the most important requirements for communication between

    people is the ability to identify the opponent. Real-world examples of this could be legal and

    identification documents. In Jincor every user has his own ID and acts on behalf of the

    organization to which he is attached, and every organization can go through a verification

    process to confirm its realness and credibility of public profile.

    Brand exposure: Nowadays online footprint of organization affects on its clue elements

    of competitive performance brand recognition and commercial goodwill. In the era of

    digitalization companies always have to be in sight of their target audience and potential or

    current partners, and Jincor addresses this need by public profiles of organizations, which are

    available to any web user.

    Contractors: A journey of a thousand miles starts with a single step, and any major

    company starts with its first client. Regardless their of size and profile, companies have to

    constantly interact with an array of external partners customers, suppliers, agents. Jincor

    makes it easier for entrepreneurs to find and establish new business contacts with its built-in

    search by location and industry.

    Transactions: Liabilities between companies, salary payments, paperwork are all

    necessary but complex processes for any organization. Jincor uses cryptocurrencies to make

    these and many other business transactions instant and fully transparent.

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    Contracts: It was 1996 when Nick Szabo, American programmer and cryptographer,

    built up a concept of smart contacts. Szabo described a smart contract as a computer

    protocol which automatically executes deals with the help of mathematical algorithms and

    provides a total control of their performance. This idea was further developed with the advent

    of blockchain technology. On Jincor managers and employees of organizations can get

    access to a smart contract construction set, which lets them create and execute smart

    contacts on their own. While using complex technologies at the core of our application, we

    made the product itself as simple as possible for our clients so that they don't need any

    technical expertise at all to make the most of it.

    1.3. Organizations

    In Jincor ecosystem companies are created with the use of decentralized web

    applications (dApp) and Solidity DAO frameworks.

    Each organization at Jincor gets a unique URL, public profile, list of participants and,

    optionally, one or more cryptocurrency accounts.

    The public profile (fig.1) is a kind of digital business card, which allows any person or

    organization seeking for cooperation with the company to contact it with a single-click ease.

    It provides basic information, such as trading name, type of business (private/public

    company, non-profit organization, public authority or other), headquarters location, industry,

    brief summary, website, contacts and social media links.

    Figure 1. A public profile of organization in Jincor

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    Participants of organization have individual sets of rights and responsibilities, which are

    reflected in Jincor ecosystem through their functional roles. By default, each employee gets

    a basic functional profile, but it can be extended to administrator or other specific role at any

    time, depending on current work arrangements with the companys management team.

    If needed, employees can be divided into departments, which will be represented in

    Jincor ecosystem in the form of small-scale suborganizations. This possibility makes Jincor

    an ideal tool option for companies with complex corporate structure, consisting of multiple

    branches and departments. However, we recommend to keep the companys structure on

    Jincor as simple as possible.

    Upon registration the companies can also get cryptocurrency accounts, which are used

    for:

    Paying Jincor fees;

    Intercorporate payments;

    In-house payments (e.g., paying wages).

    Jincor supports various cryptocurrencies and multisig wallets for further security.

    Operations with such wallets require approval from a number of people responsible for the

    wallet, just like an approval of both parties is required for setting up an escrow in a bank. The

    number of approvals required for operations with a wallet can be customized by the owning

    organization. The keys for approval are usually stored on different machines which makes

    the system even more secure.

    1.4. Participants

    In the core of any organization there are people, who make its very existence possible

    by investing their time, energy, money, knowledge and other material and invisible assets. In

    Jincor terms, participant of organization is a person (founder, manager or employee), who

    acts on behalf of the company in accordance with his/her rights and responsibilities.

    To set up a company on Jincor it is required to fill in the following fields: the companys

    ID, email and password. The same email can be used by a participant for different

    organizations multiple times, but within a company it should be used only once. This

    approach allows users to participate in several companies at a time, just like it often happens

    in real life.

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    Figure 2. The list of participants of organization in Jincor

    The list of participants of organization (fig.2) is accessible only by its members. This

    kind of information is considered confidential and cannot be disclosed neither to authorized

    Jincor users, who act for other organizations, nor to visitors of the companys public profile.

    Participants, along with organizations, are able to have individual cryptocurrency

    accounts, that can be used for delivering payments, getting wages, dividends or other

    financial gains. Regular transactions based on a set of well-defined elements, such as a list

    of shareholders, dividends distribution policy, labor contracts, loan agreements and etc., can

    be easily organized on Jincor with the use of smart-contracts, which allow to eliminate the

    human mistake factor and build the utmost transparent and fair relationships between

    employers, employees and other participants of Jincor ecosystem.

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    2. ICO

    2.1. Current status

    Jincor team has been developing ecosystem since May 2016, and at this moment is in

    stage of closed beta testing. Currently, Jincor has the following features: company

    registration, sending invitations to employees, defining their functional roles within the

    organisation, corporate messaging in direct chats or end-to-end encrypted public and private

    channels, editing of companys public profile and establishing new business contacts with

    our built-in search by location and industry. Public beta-testing of the platform, which will be

    available on jincor.com, is slated for September 2017.

    2.2. JCR token

    In order to further the development of the platform, reach breakeven and get to the

    global market as soon as possible we are going to raise extra funding by running an ICO

    campaign.

    Jincor will issue 35,000,000 JCR tokens, most of which will be put on sale. The base

    cost of tokens will depend on the popularity of the platform, and their holders will be able to

    share the success of Jincor by getting permanent progressive income.

    In the future, JCR tokens will be essential for the proper platform experience. Whereas

    it is free for organizations to use the basic functionality of Jincor ecosystem, some features

    will be available for a fee, which can be paid in JCR tokens only. These premium features

    include:

    Digital verification of companies;

    Setting up enterprise and individual cryptocurrency accounts;

    Getting access to a range of financial instruments, such as bills of credit, colls,

    overdrafts, factoring and etc.;

    Using a construction set for creating and execution of corporate smart contracts

    (based on labour, property, contractual and other relations);

    Appealing to a decentralized arbitration system for litigation within the digital

    jurisdiction.

    To sum up, JCR tokens will serve as a local digital currency, which can be used for

    paying Jincor fees and mutual corporate payments, just like any other popular

    cryptocurrency.

    JCR tokens are developed on Ethereums blockchain and conform to the ERC20 Token

    Standard.

    https://jincor.com/

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    2.3. ICO structure

    Jincor will issue a total of 35,000,000 JCR tokens, 76% of which will be put on sale at a

    starting price of $0,5 during the ICO, which will start on November, 1st, and another 4%

    during the pre-ICO, which will start on August, 21st, with a discount of 50% (at a price of $0,25).

    The remaining 20% will be distributed among bug bounty participants, Escrow & Advisors and

    Jincor team for further development and research (fig.3 and 4).

    Total emission: 35,000,000 JCR

    Starting price: 1 JCR = $0.5

    Figure 3. Distribution structure

    Figure 4. Discounts for early buyers

    Cumulatively, Jincor is planning to raise $350,000 during pre-ICO and up to $13,300,000

    during ICO. Thus, the total amount of money we are planning to raise at the crowdsale comes

    to $13,500,000 (fig. 5).

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    Figure 5. ICO and pre-ICO estimates

    JCR tokens sold during pre-ICO and ICO will be automatically sent to investors wallets

    from which funds were received.

    The total amount of tokens in circulation is unknown, because unsold tokens will be

    destroyed after the crowdsale.

    2.4. Roadmap

    After ICO Jincor will continue developing the platform according to the step-by-step roadmap

    (fig. 6) with the account of raised funds.

    Figure 6. 2018 Jincor roadmap

    Every milestone is based on the previous and hence the order. For instance, it is

    impossible to integrate electronic document flow when Jincor clients are unable to

    communicate with each other. Analogously, creation of cryptocurrency accounts for

    organizations and their members is impossible without blockchain. These accounts, in turn,

    are an integral part of payments and smart contracts.

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    3. Jincor architecture

    3.1. Overall structure

    Jincor ecosystem is a combination of decentralized (dApp) and classic web applications

    that let anyone create organizations and manage them on Ethereum's blockchain without any

    technical insight. Jincor provides all the functionality that one might need while doing

    business, including instruments for effective management, tools for improving online

    presence, role management inside the organization, searching for new business partners and

    connecting with them, intra- and intercorporate communications, bills in cryptocurrency,

    payments, smart contracts. On top of that, third-party corporate applications can be

    connected to the Jincor ecosystem in "single-screen mode". The structure of the

    aforementioned functionality is best described in terms of modular architecture, which

    includes the following elements:

    Core a set of core smart contracts on Ethereum that set up infrastructure for other

    modules. Its functions are: creation of smart contracts between different parties, such as

    organizations or employees, creation of cryptocurrency accounts, creation of smart contracts

    with JCR tokens and etc.

    Auth open-source web microservice with JWT-based authentication. More on JWT:

    https://tools.ietf.org/html/rfc7519. We would like to note that Jincor doesnt use blockchain

    technology for everything, some of our services are classic web applications.

    Companies classic web application used in Jincor for providing basic features, such

    as creating of new companies, editing their profiles, sending invitations to employees and

    managing their roles within the organizations. It also enables processing of queries related to

    the search of other companies at Jincor.

    Messenger a highly scalable decentralized communication platform for inter- and

    intracorporate communications based on Matrix protocol (more on Matrix:

    http://matrix.org/). Note that we use blockchain here only for identification purposes, but

    never for message handling, as there is just no objective need for this.

    E-Documents a decentralized module integrated with a user-friendly interface of

    Jincor Messenger, which provides organizations and their participants with a structured

    digital space for the paperwork management. With the help of this module, Jincor users are

    able to share any working papers (delivery documents, bills, certificates and etc.) and sign

    them with digital signatures while being confident in their safe-keeping and authenticity

    thanks to the blockchain technology.

    Cryptocurrency wallets a decentralized module which enables creating of enterprise

    and individual cryptocurrency wallets. Alongside cryptocurrency transactions these wallets

    open the door to a wide range of financial instruments used in business, such as bills of

    credits, overdrafts, insurance of payments and etc. Companies are able to create multiple

    cryptocurrency wallets for one account (enterprise or individual), which makes it even easier

    to organize bills and maintain book-keeping.

    https://tools.ietf.org/html/rfc7519http://matrix.org/

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    Smart-contracts a decentralized module which allows to create and execute

    predefined smart contracts within the Jincor ecosystem (there are company-company,

    company-participant and participant-participant smart contracts). The process of creating a

    smart contract at Jincor is carried out in an intuitive, user-friendly interface and is no harder

    than the signing up procedure, which lowers the entry threshold for technology-naive users

    to the minimum.

    Arbitrage a decentralized application (dApp) which enables digital arbitration system

    for settling disputes arising with the execution of smart contracts. To make it as fair and

    transparent as possible, the arbitrators are chosen randomly in accordance with given

    business area and special aspects of a particular smart contract. There are three arbitration

    levels within the system: the first requires participation of three trusted participants

    (arbitrators), the second requires nine trusted participants, and the third level involves twenty-

    seven people aside from the parties to dispute. The users of Jincor ecosystem get fee

    earnings for the engagement in arbitration proceedings.

    3.2. Core

    From a technical point of view, the Core module, which is the centerpiece of the whole

    Jincor ecosystem, is a set of smart contracts based on the Ethereums blockchain. These

    contracts are used by smart contracts of other applications and web services based on

    Jincor contracts as well.

    The Core module includes the following types of smart contracts:

    Factory contracts smart contracts which are used to create other contracts.

    The most obvious example of them being applied is the registration process of a new

    company at Jincor, when a contract of the organization itself, or its cryptocurrency

    account, is created. Another use case of factory-contracts could be the emission of

    tokens, which substitute the company shares and are to be distributed among the

    participants of Jincor ecosystem. In order to save users the trouble of getting into

    blockchain and smart contracts technology, there is an extra abstraction layer over the

    instruments of smart contracts creation, and the capabilities of such contracts are

    limited for safety reasons. These measures make our API safe and simple for regular

    users while also providing convenient programming environment for developers;

    Billing platform contracts. Jincor ecosystem has instruments for easy

    implementation of new functions, notably, not only by its developers, but also by third

    side parties, who get a chance to build their own business on providing Jincor users with

    extra functionality. Billing contracts are created just for that and describe basic methods

    of implementing custom payment features in Jincor ecosystem. At this moment we are

    focusing on the development of small-scale libraries, which can be used for creating

    specific smart contracts best suiting particular business models;

    Company contracts. These are written to the blockchain smart contracts, which

    are accessible only by administrators and to which the companys list of participants

    and cryptocurrency accounts (with customizable access permissions) are attached;

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    Participant contracts. These contracts represent the participants of Jincor

    ecosystem and are always associated with the contracts of a company to which they

    are attached. Individual cryptocurrency accounts, as well as any other contracts related

    to particular employees are also based on this type of contracts;

    Wallets, cryptocurrency accounts of companies and their participants. Jincor

    supports multisig wallets, which require approval from a number of people responsible

    for the wallet to conduct a transaction. The number of required approvals is also

    customizable;

    Tokens. The contracts of tokens, including those emitted by the participants of

    Jincor ecosystem (organizations) as substitutes for corporate shares.

    3.3. Auth

    Auth is a classic web microservice, used for issuing and validating of JSON Web tokens,

    which provide secure and reliable user identification. The key advantage of Auth, in

    comparison to other services with similar functionality (Auth0, for example), is the ability to

    identify user not only by email and password, but also by the organization to which the user

    belongs. In this way by using the Auth we allow our users to participate in multiple

    organizations with the same email and password while keeping their accounts separated.

    3.4. Companies

    Companies module is a web microservice, which includes the profiles of organizations,

    their departments and the lists of participants. In Jincor ecosystem this module allows to

    manage the company, create suborganizations, send invitations to employees and define

    their functional roles within the organization.

    The public profiles of companies are used to process search queries of Jincor users (we

    apply elastic search to get more accurate search results).

    Figure 7. Jincor search

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    The Companies module has an intuitive and user-friendly interface (fig. 7), so that any

    web user will be on firm ground when using it.

    Upon signing up an organization, the user is required to give just basic information,

    which includes:

    Trading name of a company;

    Type of business (private/public/non-profit/government body);

    Headquarters location.

    The next step includes providing some information about the first participant of a

    company, such as:

    Full name;

    Job title;

    Email;

    Password.

    Once the users email is confirmed, Jincor notifies him/her of successful registration on

    the platform and creates the first smart contracts, including the company contract and

    cryptocurrency accounts of organization and the first participant.

    Then, it is time to edit the organization profile and fill in the rest of information about the

    company, which increases the possibility of it being found by potential clients and business

    partners.

    3.5. Messenger

    The Messenger module is responsible for corporate communications in Jincor

    ecosystem. It is built on a quick and scalable decentralized protocol, which allows to distribute

    storage and transfer of messages among the organizations (groups of participants), instead

    of participants themselves (fig. 8).

    Figure 8. The Messenger module operation concept

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    The Messenger microservice is open sourced and will always be accessible as a docker

    application, which makes it easier for organizations to have a chokehold on their internal and

    external communications. On top of that, Jincor Messenger satisfies the whole range of

    nowaday safety standards and supports p2p-encryption. Blockchain is used in Jincor

    Messenger only in intercorporate communications.

    With the view to user experience, Jincor Messenger (fig. 9) also supports a number of

    instant messaging solutions, such as group chats and channels, intercorporate

    communications, large files processing, typing indicators and message statuses. In most

    features Jincor Messenger resembles a popular intracorporate messenger Slack, but has a

    much wider functionality in particular, providing the possibility of intercorporate

    communications.

    Moreover, thanks to the Jincor architecture flexibility, the developers of third-party

    business solutions (like CRM/ERP systems, task organizers and etc.) can integrate them into

    the Messenger, so that Jincor corporate users will be able to satisfy all of their business-

    related needs in a single-screen-mode.

    Figure 9. Jincor Messenger interface

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    3.6. E-Documents

    E-documents is a decentralized application (dApp), which is embedded in Jincor

    Messenger interface and allows to securely store, send and sign with digital signatures all

    kinds of electronic documents (Jincor ecosystem supports several authorized providers of

    digital signatures). All working papers, which are loaded into Jincor Messenger and signed

    with e-signatures, are written to the blockchain in order to guarantee their authenticity and

    save revision history. This application, as well as digital signatures, can also be used for

    signing contracts between the shareholders, employees and other parties.

    3.7. Cryptocurrency wallets

    Cryptocurrency wallets a decentralized application (dApp), which enables inter- and

    intracorporate payments within the platform. As an option, upon registration of a company

    the participants of Jincor ecosystem can get cryptocurrency accounts, both enterprise and

    individual, to conduct payments with the most popular digital currencies.

    For further security it is also possible to create multisig wallets, which require approval

    from a number of people responsible for the wallet to get transaction processed.

    Along with basic payment options Jincor cryptocurrency wallets also provide a full

    range of financial instruments, which one might need while doing business.

    3.8. Smart-contracts

    Smart contracts a set of algorithms, which describe conditions leading to automatic

    execution of some predefined operations. Jincor lets the users create a number of corporate

    smart contracts in a user-friendly interface.

    There is a wide variety of potential applications of smart contracts, from paying wages

    (on the day X smart contract will transfer Y tokens JCR, ETH, BTC and etc. to the

    employee Z) to business interactions between companies (when the goods are dispatched

    from the warehouse of the company A, a smart contract will draw up a bill to the company

    B). However, technical complicatedness of blockchain bars technology-naive users from

    implementing smart contracts in their practice. Jincor promotes wider adoption of smart

    contracts by providing factory contracts for their creation in a simple and usable interface.

    The factory contracts describe the core logic of the most common smart contracts. For

    the sake of safety of users and the whole Jincor ecosystem, the contracts creating

    opportunities are limited, in a sense that the contracts can be created by a set of templates

    only.

    Smart contracts are stored and executed in decentralized environment, which

    completely eliminates the factor of human errors. The contracts remain unveiled to all parties

    involved ensuring complete transparency and rising mutual trust among the participants.

    How it works:

    The contract takes force as soon as both parties sign it with e-signatures and requires

    specific elements in order to be executed automatically. For instance, a first-order

    requirement is the presence of cryptocurrency accounts of those involved. In other words, the

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    executable code should have unhindered access to the smart contracts objects. Besides that,

    all of the smart contract conditions should be described mathematically and have a clear

    execution logic, and this is the reason why the first smart contracts in Jincor will be based on

    the simplest corporate relations, which involve just a few elements. Given that the code has

    the full access to the objects of an agreement, its execution and compliance will be handled

    automatically with account for the fulfillment of the smart contract conditions. To sum up,

    smart contracts automate contractual business relations and provide their total performance.

    First of all, Jincor team will create smart contracts for the following applications:

    Regular payments;

    Partner programs;

    Signed transactions;

    Business-to-business commerce.

    Although smart contracts are executed in decentralized environment eliminating the

    human factor, it is important to realize that there are many cases which may require external

    interference, no matter how explicit the smart contacts are. For this reason we have

    developed a decentralized arbitration system aimed at settling disputes arising with the smart

    contracts execution.

    3.9. Arbitrage

    In case when the execution logic of a contract is not defined clearly enough, the parties

    to the agreement may be drown to a dispute. This is particularly so with the cases related to

    the real-world actions and goods. Offline, there are clear regulatory mechanisms for such

    issues: should the parties have any disputes related to the contract performance, they can

    always take legal action. The similar patterns should be implemented within the digital

    jurisdiction, too. For that very reason we created Jincor Arbitrage, which help settling disputes

    related to the execution of smart contracts.

    Jincor arbitration system let the participants of ecosystem resolve arising disputes right

    there, within the platform. There are three arbitration levels in Jincor: the first requires

    participation of three arbitrators (i.e., organizations who take the final decision), the second

    requires nine trusted participants, and the third level involves twenty-seven organizations

    aside from the parties to dispute.

    In order to preclude the possibility of bias and corruption element Jincor arbitration

    system keep the personalities of parties to the case (and the companies to which they belong)

    in the dark, so that the arbitrators considered just the facts of the matter.

    In compliance with the foundations of decentralised society the arbitrators are chosen

    with the use of mathematical algorithms, which analyze their digital reputation, competence

    domain and practical experience in the given jurisdiction and economy sector.

    With the view to motivate organizations and experts to attend the legal proceedings,

    Jincor arbitration system provides remuneration for arbitrators, which is paid by non-

    prevailing party on completing the process.

    Within the digital jurisdiction of Jincor smart contracts will be available only to verified

    users. In common with real world, tainted reputation in the cyberspace will close any available

    space for irresponsible actors and hinder their further development.

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    3.10. Architecture overview

    Figure 10. Jincor architecture

    As previously mentioned, Jincor ecosystem is a set of decentralized (dApps) and classic

    web applications. The methods of interaction performance between classic web applications

    and blockchain-based services remains a debating point in IT community, and our technical

    engineers have decided to use the so-called oracles for this purpose. However, Jincor

    ecosystem is open to any advanced solutions, which could be developed in the future to

    address this problem.

    Another difficulty, which Jincor team has been faced with while developing the platform,

    is the upgradeability of dApps. The thing is, once a smart contract is written to the blockchain,

    any further adjustments are impossible. This issue also lacks adequate solutions in

    blockchain community. In Jincor we will use proxy dispatcher contracts, which link the

    contracts to each other and make it possible to upgrade their addresses so that they are

    visible to other contracts.

    Jincor team has vast experience in development, deployment and exploitation of

    compiled applications based on microservice architecture, which suggests incapsulating the

    parts of functionality into small-scale libraries in order to use them later in microservices. The

    same approach is applicable to the smart contracts development.

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    3.11. Risks

    Software. Despite using smart contracts for the most of business interactions in Jincor,

    there is still a possibility of program errors and human factor mistakes, the more so since the

    Jincor functionality is partly developed with the use of classic web applications. Jincor stems

    this risk by repetitive code checking, using CI/CD, code documentation maintenance, writing

    API and integration tests.

    Another software-related risk is the possibility of cyberattacks. In order to keep down

    the potential damage we developed an incentive program, which involves remuneration in

    JCR tokens for finding vulnerabilities in the system.

    Scalability. Some of the Jincor modules are not decentralized, but classic web

    applications. Jincor team develops such modules as separate microservices in the docker

    containers, which can be easily deployed and put into operation. Each of our web services is

    distributed, and we work towards further decentralization of the platform.

    Subjective decisions and disputes. In the context of smart contracts the parties to the

    agreement may have disputes on their execution. To address this problem we developed a

    decentralized arbitration system, which can be used for settlement of such matters using the

    internal resources of the platform (a closer look at this system was already taken above).

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    4. Market

    4.1. Target market

    According to the joint research of consulting agencies We are social and Hootsuite

    more than a half of the world population, or 3,81 bln people, are active web users (as of April

    2017). Such a rapid pace of internet adoption leads to mass expansion of digitalization and

    globalization trends in all spheres of our life. That is particularly true of business area:

    nowadays it is almost impossible to manage a company without being connected to the web.

    However, the potentials of blockchain and smart contracts are yet to be realized in

    business community, even if there is already some progress in this field.

    Most probably, these tendencies will strengthen with the generational change.

    According to The World Bank data, there are now 1,3 bln people aged between 0 and 14

    around the globe. Upon entering the global labour market in roughly ten years this new

    generation will be considering digital corporate tools, smart contracts and cryptocurrencies

    the only acceptable and the most secure form of job relationships.

    Consequently, our target audience includes:

    Private and public companies;

    Self-employed individuals;

    Non-profits;

    State government bodies;

    State-run enterprises;

    Global organizations.

    The main factor for the market volume assessment is the maximum possible number of consumers, i.e., participants of organizations, which are somehow using digital technologies in their activity. According to our calculations based on World Bank Dun & Bradstreet Worldwide Network data, the total volume of corporate communications market amounts to $175 bln (fig. 11).

    Figure 10. Corporate communications market

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    4.2. Business-model

    The maintenance of such a broad-scale ecosystem is infeasible without significant

    expenditures required for digital verification, setting up cryptocurrency accounts, payment

    transactions, creating of smart contracts and e-signatures and etc.

    To cover these costs, Jincor will deliver some features on a paid basis, and the only

    means of payment for them will be JCR tokens. At the same time, charge-free functionality

    of the platform is needed to ease the entry barriers and let the organizations appraise the

    usability and benefits of Jincor ecosystem.

    5. Legal structure

    Jincor organizational structure (fig. 12) includes a parent company incorporated in

    Cyprus (Jincor Ltd.), its 100% subsidiary operational company in Moscow (Biznes-seti LLC)

    and also SPV for distribution of the option pool to key employees incorporated on British

    Virgin Islands (Jincor Special Ltd.).

    Figure 12. Jincor corporate structure

  • 21

    6. Conclusions

    Explosive growth of modern technologies, such as cloud computing, big data and

    blockchain, leads to continuous transformation of various spheres of our life from shopping

    in the supermarket to business management of major corporations. Taking into

    consideration that there are more than 250 mln companies around the world and many of

    them recognize the urgency of digital transformation, Jincor is getting to the multibillion-

    dollar market, feeling the acute need for its product from the target customers.

    The full feature set of Jincor will include corporate cryptocurrency accounts with

    multisignatures, smart contract templates, which will make it possible for companies to

    transfer all the legal and contractual relationships into trustless blockchain environment, and

    a decentralized arbitrage system, which will allow to settle disputes arising with the execution

    of smart contracts within the digital jurisdiction.

    Our mission is to make blockchain technologies as simple and accessible to business

    as usual means of day-to-day communication and create a unique environment for their

    evolution and mass implementation in the corporate sector, which will radically reduce the

    amount of time, effort and money it always takes companies to find and establish valuable

    business connections, expand market reach, workflow management and execute

    transactions.

    While creating Jincor, we align a range of forthcoming fundamental shifts, which will

    result in the establishment of blockchain as a worldwide standard for enterprise

    communications. In other words, we shape our long-term vision and strategy according to

    emerging demands of decentralized economics of the future. Overall, this will be lead to a

    complete changeover in the corporate interactions model, which will eliminate injustice,

    defaults on business commitments and a human mistakes factor.

    While others are weighing the advantages of Blockchain technologies, cryptocurrency

    transactions and smart-contracts, Jincor currently now building decentralized ecosystem for

    safe and easy B2B future

    In order to scale the progress, investors are welcome to take part in the upcoming pre-

    ICO and the following ICO of JCR tokens, announced by Jincor.

    http://ico.jincor.com/http://jincor.com/

  • 22

    IMPORTANT NOTICE

    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,

    MARKET AND INDUSTRY INFORMATION AND NO CONSENT OF OTHER PERSONS, NO

    ADVICE, NO FURTHER INFORMATION OR UPDATE, RESTRICTIONS ON DISTRIBUTION

    AND DISSEMINATION, NO OFFER OF SECURITIES 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).

    The JCR tokens are not intended to constitute securities in any jurisdiction. This Whitepaper

    does not constitute a prospectus or offer document of any sort and is not intended to

    constitute an offer of securities or a solicitation for investment in securities in any jurisdiction.

    This Whitepaper does not constitute or form part of any opinion on any advice to sell, or any

    solicitation of any offer by the distributor/vendor of the JCR tokens (the Distributor) or Jincor

    Ltd and affiliated companies (the Company or Jincor) to purchase any JCR tokens nor shall

    it or any part of it nor the fact of its presentation form the basis of, or be relied upon in

    connection with, any contract or investment decision.

    No person is bound to enter into any contract or binding legal commitment in relation to the

    sale and purchase of the JCR tokens and no cryptocurrency or other form of payment is to

    be accepted on the basis of this Whitepaper. You are not eligible and you are not to purchase

    any JCR tokens in the Jincor Initial Token Sale (as referred to in this Whitepaper) if you are a

    citizen, resident (tax or otherwise) or green card holder of the United States of America or a

    citizen or resident of the Republic of Singapore.

    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. There are risks and uncertainties associated with the Company and/or the Distributor

    and their respective businesses and operations, the JCR tokens, the Jincor Initial Token Sale

    and the Jincor Wallet (each as referred to in this Whitepaper).

    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, Market and Industry Information and No Consent of Other Persons,

    Terms Used, No Advice, No Further Information or Update, Restrictions On Distribution

    and Dissemination, No Offer of Securities Or Registration and Risks and Uncertainties.

  • 23

    DISCLAIMER OF LIABILITY

    To the maximum extent permitted by the applicable laws, regulations and rules, Jincor and/or

    the Distributor 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 thereof by you.

    NO REPRESENTATIONS AND WARRANTIES

    Jincor and/or the Distributor 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.

    REPRESENTATIONS AND WARRANTIES BY YOU

    By accessing and/or accepting possession of any information in this Whitepaper or such part

    thereof (as the case may be), you represent and warrant to Jincor and/or the Distributor as

    follows: (a) you agree and acknowledge that the JCR tokens do not constitute securities in

    any form 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 in any jurisdiction or a solicitation for investment in securities and you are

    not bound 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 agree and

    acknowledge that no regulatory authority has examined or approved of the information set

    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; (d) you agree and acknowledge that this Whitepaper, the

    undertaking and/or the completion of the Jincor Initial Token Sale, or future trading of the

    JCR tokens on any cryptocurrency exchange, shall not be construed, interpreted or deemed

    by you as an indication of the merits of the Jincor and/or the Distributor, the JCR tokens, the

    Jincor Initial Token Sale and the Jincor Wallet (each as referred to in this Whitepaper); (e) 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 Jincor and/or the Distributor; (f) you agree and acknowledge that in the

    case where you wish to purchase any JCR tokens, the JCR 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 (whether Jincor and/or the

    Distributor) (i) rights, options or derivatives in respect of such debentures, stocks or shares;

    (ii) 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; (iii) units in a collective

    investment scheme; (iv) units in a business trust; (v) derivatives of units in a business trust;

    or (vi) any other security or class of securities. (g) you are fully aware of and understand that

    you are not eligible to purchase any JCR tokens if you are a citizen, resident (tax or otherwise)

  • 24

    or green card holder of the United States of America or a citizen or resident of the Republic of

    Singapore; (h) 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; (i) you are fully aware

    and understand that in the case where you wish to purchase any JCR tokens, there are risks

    associated with Jincor and the Distributor and their respective business and operations, the

    JCR tokens, the Jincor Initial Token Sale and the Jincor Wallet (each as referred to in the

    Whitepaper); (j) you agree and acknowledge that neither Jincor nor the Distributor is 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; and (k) all of the above representations and warranties are true,

    complete, accurate and nonmisleading from the time of your access to and/or acceptance of

    possession this Whitepaper or such part thereof (as the case may be).

    CAUTIONARY NOTE ON FORWARD-LOOKING STATEMENTS

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

    place accessible by the public and oral statements that may be made by Jincor and/or the

    Distributor or their respective directors, executive officers or employees acting on behalf of

    Jincor or the Distributor (as the case may be), that are not statements of historical fact,

    constitute forwardlooking 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 Jincors and/or the Distributors financial

    position, business strategies, plans and prospects and the future prospects of the industry

    which Jincor and/or the Distributor is in are forward-looking statements. These forward-

    looking statements, including but not limited to statements as to Jincors and/or the

    Distributors revenue and profitability, prospects, future plans, other expected industry trends

    and other matters discussed in this Whitepaper regarding Jincor and/or the Distributor are

    matters that are not historic 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 Jincor and/or the Distributor 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 and stock or cryptocurrency market conditions, and the

    regulatory environment in the countries in which Jincor and/or the Distributor conducts its

    respective businesses and operations; (b) the risk that Jincor and/or the Distributor may be

    unable or execute or implement their respective 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 Jincor and/or

    the Distributor; (e) changes in the availability and fees payable to Jincor and/or the Distributor

    in connection with their respective businesses and operations; (f) changes in the availability

    and salaries of employees who are required by Jincor and/or the Distributor to operate their

    respective businesses and operations; (g) changes in preferences of customers of Jincor

  • 25

    and/or the Distributor; (h) changes in competitive conditions under which Jincor and/or the

    Distributor operate, and the ability of Jincor and/or the Distributor to compete under such

    conditions; (i) changes in the future capital needs of Jincor and/or the Distributor 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 Jincor and/or the Distributor; (l) other factors

    beyond the control of Jincor and/or the Distributor; and (m) any risk and uncertainties

    associated with Jincor and/or the Distributor and their businesses and operations, the JCR

    tokens, the Jincor Initial Token Sale and the Jincor Wallet (each as referred to in the

    Whitepaper).

    All forward-looking statements made by or attributable to Jincor and/or the Distributor or

    persons acting on behalf of Jincor and/or the Distributor 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 Jincor and/or the Distributor 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 Jincor, the Distributor nor any other person represents, warrants and/or undertakes

    that the actual future results, performance or achievements of Jincor and/or the Distributor

    will be as discussed in those forward-looking statements. The actual results, performance or

    achievements of Jincor and/or the Distributor may differ materially from those anticipated in

    these forwardlooking 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

    Jincor and/or the Distributor. Further, Jincor and/or the Distributor disclaim any responsibility

    to update any of those forwardlooking 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.

    MARKET AND INDUSTRY INFORMATION AND NO CONSENT OF OTHER PERSONS

    This Whitepaper includes market and industry information and forecasts that have been

    obtained from internal surveys, reports and studies, where appropriate, as well as market

    research, publicly available information and industry publications. Such surveys, reports,

    studies, market research, publicly available information and publications generally state that

    the information that they contain has been obtained from sources believed to be reliable, but

    there can be no assurance as to the accuracy or completeness of such included information.

    Save for Jincor, the Distributor and their respective directors, executive officers and

    employees, no person has provided his or her consent to the inclusion of his or her name

    and/or other information attributed or perceived to be attributed to such person in connection

    therewith in this Whitepaper and no representation, warranty or undertaking is or purported

    to be provided as to the accuracy or completeness of such information by such person and

    such persons shall not be obliged to provide any updates on the same. While Jincor and/or

    the Distributor have taken reasonable actions to ensure that the information is extracted

    accurately and in its proper context, Jincor and/or the Distributor have not conducted any

    independent review of the information extracted from third party sources, verified the

    accuracy or completeness of such information or ascertained the underlying economic

  • 26

    assumptions relied upon therein. Consequently, neither Jincor, the Distributor, nor their

    respective directors, executive officers and employees acting on their behalf makes any

    representation or warranty as to the accuracy or completeness of such information and shall

    not be obliged to provide any updates on the same.

    TERMS USED

    To facilitate a better understanding of the JCR tokens being offered for purchase by the

    Distributor, and the businesses and operations of Jincor and/or the Distributor, 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. Words importing the singular shall, where applicable, include the plural

    and vice versa and words importing the masculine gender shall, where applicable, include the

    feminine and neuter genders and vice versa. References to persons shall include

    corporations.

    NO ADVICE

    No information in this Whitepaper should be considered to be business, legal, financial or tax

    advice regarding Jincor, the Distributor, the JCR tokens, the Jincor Initial Token Sale and the

    Jincor Wallet (each as referred to in the Whitepaper). You should consult your own legal,

    financial, tax or other professional adviser regarding Jincor and/or the Distributor and their

    respective businesses and operations, the JCR tokens, the Jincor Initial Token Sale and the

    Jincor Wallet (each as referred to in the Whitepaper). You should be aware that you may be

    required to bear the financial risk of any purchase of JCR tokens for an indefinite period of

    time.

    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 Jincor and/or the Distributor and their respective

    businesses and operations, the JCR tokens, the Jincor Initial Token Sale and the Jincor Wallet

    (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 Jincor and/or the Distributor.

    The Jincor Initial Token Sale (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 Jincor and/or the Distributor or in any statement of

    fact or information contained in this Whitepaper since the date hereof.

    RESTRICTIONS ON DISTRIBUTION AND DISSEMINATION

    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 Jincor and/or the Distributor. Persons to

    whom a copy of this Whitepaper has been distributed or disseminated, provided access to or

  • 27

    who otherwise have 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.

    NO OFFER OF SECURITIES 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 or a solicitation for investment in securities in any

    jurisdiction. No person is bound 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.

    Any agreement in relation to any sale and purchase of JCR tokens (as referred to in this

    Whitepaper) is to be governed by only the T&Cs of such agreement and no other document.

    In the event of any inconsistencies between the T&Cs and this Whitepaper, the former shall

    prevail.

    You are not eligible to purchase any JCR tokens in the Jincor Initial Token Sale (as referred to

    in this Whitepaper) if you are a citizen, resident (tax or otherwise) or green card holder of the

    United States of America or a citizen or resident of the Republic of Singapore.

    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.

    RISKS AND UNCERTAINTIES

    Prospective purchasers of JCR tokens (as referred to in this Whitepaper) should carefully

    consider and evaluate all risks and uncertainties associated with Jincor, the Distributor and

    their respective businesses and operations, the JCR tokens, the Jincor Initial Token Sale and

    the Jincor Wallet (each as referred to in the Whitepaper), all information set out in this

    Whitepaper and the T&Cs prior to any purchase of JCR tokens. If any of such risks and

    uncertainties develops into actual events, the business, financial condition, results of

    operations and prospects of Jincor and/or the Distributor could be materially and adversely

    affected. In such cases, you may lose all or part of the value of the JCR tokens.

  • 28

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