Dario Jessula - CEO/CTO

Experience:

Blockchain Development: 5 years of experience creating and implementing blockchain-based solutions, including the conception of robust and efficient decentralized systems.

Smart Contract Development: 5 years of experience developing smart contracts, proficient in Solidity and other relevant languages, ensuring the secure and automated execution of digital agreements.

Blockchain Security: 3 years of experience in developing blockchain security, implementing advanced security practices to protect against vulnerabilities and cyber-attacks.

Frontend Development: 6 years of experience creating intuitive and responsive user interfaces using technologies like React, HTML, CSS, and JavaScript.

Skills and Competencies:

Technical Leadership: Proven ability to lead development teams and drive projects from concept to implementation.

Innovation: Strong orientation towards technological innovation, always seeking to integrate the latest industry trends and best practices.

Strategic Vision: Ability to align technological objectives with business goals, driving company growth and operational efficiency.

Ingrid Soares - Developer

Experience:

Blockchain Development: 3 years of experience building and maintaining blockchain-based solutions, including the integration of decentralized systems.

Smart Contract Development: 3 years of experience creating efficient and secure smart contracts, ensuring reliable and automatic transactions.

Full Stack Development: 5 years of experience in full stack development, with comprehensive skills in both frontend and backend using technologies like Node.js, React, Angular, Python, and relational and non-relational databases.

Skills and Competencies:

Proactivity: Ability to identify problems and propose innovative solutions proactively.

Collaboration: Skill in working collaboratively in cross-functional teams to deliver high-quality projects.

Flexibility: Adaptability to work with different technologies and development stacks as per project requirements.

Victoria Silva - CFO

Experience:

Financial Analysis: 8 years of experience in financial analysis, including creating detailed reports, financial forecasts, and performance analyses to inform strategic decision-making.

Compliance Management: 6 years of experience managing compliance, ensuring all company operations and processes comply with legal and regulatory requirements.

Startup CFO: 5 years of experience as a CFO in startups, leading financial management, strategic planning, fundraising, and developing financial policies.

Skills and Competencies:

Financial Leadership: Ability to lead the financial team and provide clear strategic direction to achieve the company's financial objectives.

Strategic Planning: Skill in developing and implementing financial strategies that support sustainable growth and financial health.

Risk Management: Proficiency in identifying and mitigating financial risks, ensuring the organization's financial stability and security.

What the product is:

Cash Out Chain is a digital credit card service with a focus on financial inclusion.

Problem Solved:
It addresses the lack of access to traditional financial services for:

Cryptocurrency users needing fiat conversion
Travelers and expats
Unbanked individuals
Small businesses and freelancers
Migrants and remote workers
Investors and speculators
Small merchants and online sellers
Underserved communities
Solution:
Cash Out Chain offers a user-friendly platform with:

Easy account creation (name & email)
Secure cryptocurrency-to-fiat conversion using Stellar blockchain
Global usability with a prepaid credit card
Benefits:

Financial inclusion for the unbanked and underserved
Convenient access to global financial system
Secure and transparent transactions
How it Works:

Users create an account and deposit cryptocurrencies.
Smart contracts on Stellar/Soroban blockchain convert crypto to USDC (stablecoin).
USDC is converted to BRL (Brazilian real) through a financial partner.
The BRL is transferred to a virtual prepaid credit card linked to the account.
Users can spend the BRL anywhere that accepts international credit cards.
Use of Stellar and/or Soroban:

Stellar blockchain is used for secure and efficient cryptocurrency conversion. 

Deliverables:

1. Signing Contract with Card BIN Processor (USD 20K)

It's about establishing a relationship with a company that will process your card transactions. Signing the contract will get you:

Access to their network: This allows our cards to be issued by Visa and used at merchants worldwide that accept their network.
Payment processing: They will handle the authorization and settlement of transactions for our cardholders.
Ongoing services: They'll provide features like fraud prevention and chargeback management.
The cost (USD 20K) covers:

Setup fee: This is a one-time charge for integrating their system with ours.
Monthly fees (USD 3K, with a two-month upfront cost of USD 6K):

This covers the ongoing cost of using their services to process transactions.

2. Frontend Creation and API Integration (USD 5K for initial developer, functions listed below)

This deliverable focuses on building the user-facing part of your system and connecting it to other services. We'll be hiring a developer to create:

Frontend: This is the user interface (UI) that cardholders will interact with to manage their cards, a mobile app.
API integrations: These are connections that allow our system to communicate with other services, such as the card BIN processor for transactions and Stellar blockchain for crypto functionalities.
Stellar blockchain integration: This would allow features like crypto deposits directly on your Credit Card.

3. Virtual Card Tokenization (USD 4K activation fee)

This deliverable activates a feature that allows users to securely store their card information in digital wallets like Google Pay and Apple Pay.

The cost (USD 4K) covers:

Activation fee: This is a one-time charge to enable tokenization features.

4. Minimum Liquidity (USD 15K)

It's about having enough funds readily available to cover liquidity needs.

In summary:

Deliverables 1 and 4 are about setting up the infrastructure for your card program.
Deliverable 2 focuses on building the user interface and connecting it to other services.
Deliverable 3 activates a specific feature for secure transactions.

Roadmap

Phase 1: Planning and Research - Completed

Market Research: Detailed analysis of the cryptocurrency and fintech markets.

Regulatory Identification: Identify applicable local and international regulations.

Requirement Definition: Establish technical and functional requirements for the platform. Identify infrastructure and security needs.

Team Formation: Recruit blockchain developers, security specialists and financial partners.

Phase 2: Initial Development - Started

Smart Contract Development: Create and audit smart contracts for cryptocurrency-to-USDC exchange on the Stellar network.

Platform Development: Develop web platform and mobile apps (iOS and Android). Implement APIs for integration with card issuers and financial partners.

Security and Infrastructure: Implement security protocols, including encryption, MFA, and transaction monitoring. Set up technological infrastructure to ensure service continuity.

Phase 3: Beta Testing and Adjustments

Beta Launch: Release a beta version to a select group of users to test functionality and identify issues.

Feedback and Improvements: Collect feedback from beta users and implement platform improvements. Make technical and functional adjustments based on feedback.

Education and Training: Develop educational materials such as video tutorials, guides, and webinars.

Phase 4: Official Launch

Marketing Campaign: Launch digital marketing campaigns, including social media, SEO, and PPC. Partner with cryptocurrency influencers and financial technology experts.

User Onboarding: Implement a simple and intuitive onboarding process for new users. Provide multilingual support to cater to a global audience.

Monitoring and Support: Continuously monitor operations and user feedback. Provide 24/7 customer support to resolve user issues and queries.

The total time to achieve all deliverables is 3 months.