THE FIRST HYBRID ROBO INVESTING PLATFORM THAT ALLOWS TO INVEST BOTH IN TRADITIONAL AND CRYPTO ASSETS.
WHY : Introducing the Crypto Assets into traditional financial industry.
HOW : Creating a Open source Platform for Asset Managers and Wealth Managers.
WHAT : Upgrading the social trading platform to a professional investment level.
Platform for Hybrid Investment Executive Summary V.0.1.1 1.1
The actual Wealth Management industry For a long time, too long actually, the Wealth Management industry around the world has been thriving thanks to high returns generated from the twenty-year bond rallies and from the returns of the American equity indices and Emerging Markets. This favorable scenario combined with the poor financial knowledge of customers has allowed us to generate and maintain inefficiencies and high costs in the distribution and management of financial products. The future of the financial market and the rate at which it is, and has been operating at, is not promising. With bond returns holding a zero or even negative value and the stock market carrying a positive growth rate for nearly a decade, it seems unlikely that the industry will be able to sustain such trends. With returns predicted to be low, it becomes apparent that the industry will not be able to cover the high costs from the inefficiencies. Additionally, pressures are increased from emerging Fintech companies, such as the Robo Advisors, which are gaining market share specially in the United States. The main critical issues that need to be addressed are listed below: 1) High costs mainly due to outdated and labour intensive operating models; 2) Limited access to multiple investment opportunities, resulting in poor results for the client; 3) Sale of captive products without real competition between asset managers.
-Why a Platform for Hybrid Investments : DIAMAN Partners LTD intends to create the first Platform for Hybrid Investment (PHI), which allows investments in all asset classes and investment vehicles including crypto assets. It’s aim is to provide clients with a fully digitized platform on which to manage all savings and investments. However, it relay on human wealth managers to play a fundamental role in identifying the real needs of clients and in managing their emotions to avoid classic behavioral finance mistakes. The platform will be a Hybrid Platform for Hybrid Investments, in other words, digital process management with seasoned professional for client interaction. The PHI platform will solve the critical problems of the Wealth Management industry due to the following reasons - It will reduce the commercial supply chains via digitalization and lower the costs of providing investment services.
-let's invest : By combining the principles emerging from the Crypto world, i.e. digitalization of processes (point 1), on de-centralisation and sharing (point 2), and on innovation and competition (point 3), DIAMAN Partners intends to share the project with the Crypto community by issuing a PHI Token with the aim of financing the project. Above all, the aim of ensuring that those who believe in the project and those who work on it to share its successes.The parent company DIAMAN SCF has been working on the digital platform project for more than a year with some modules already implemented: The MiFID II compliance Risk Assessment questionnaire, the financial planning module and quantitative engine management models, some of which with a real track record of up to 15 years of history. The next steps of the project are explained better in the later part of the white paper.
- PHI Token™ TGE Overview : The Token Generation Event (TGE) will be in three phases: Pre-Sales will enable you to book the PHI Tokens with a strong discount, to motivate the major crypto exchanges to list the PHI Tokens on their platforms, for a maximum number of 3.524,578 Tokens; the second phase is Pre-ICO which will allow you to buy a maximum of 3,524,578 Tokens with a 21% discount while ICO that will be carried out with decreasing discounts and up to a maximum of 7,881,196 Tokens will be made available.It will create a comparison between Asset Managers and Wealth Managers by stimulating competition and therefore obtaining better returns for the customer.
-PHI Token rewards : The PHI Tokens will have three main preparatory features to increase the value of PHI Tokens over time:
PHI Tokens as Stake: Whoever wants to use components of the platform, such as asset managers and financial planners, must own and immobilize the PHI Tokens;
PHI Tokens as Payment: The hybrid investment platform and the developed financial software will accept payments in PHI Tokens offering 30% cashback, thus encouraging people to pay with this Tokens instead of fiat currency. The company has deposited a patent to increase the relation between the PHI Token and the results of the business.
PHI Tokens Buy Back and Burn rewards: 15% of the performance fees generated by the platform and 50% of the annual tax refund obtained from the payment of taxes in Malta (corresponding to 15% of the company’s EBIDTA) will be used to purchase PHI Tokens on exchanges and will be withdrawn, to create a scarcity effect that will produce a continuous growth over time.
roadmap
timelineCORE TEAM
FRANCESCO CANELLA : CFO
MARCOS LIN : CTO
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Author by: Hellokitty6
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