Retrieve Financial Freedom Globally with VISO!

The blockchain and cryptocurrencies are penetrating into our lives faster than the Internet did back in the day. As more and more people do business by using cryptocurrency for investments and payments, we have made it our goal to create VISO, a new-generation solution that makes cryptocurrency a means of everyday payments worldwide.

VISO is a payment system provider that incorporates cryptocurrency payments into point of sale SMART Terminals. Viso has a pragmatic team of developers on the team Egor Petukhovsky, Sergey Popov & Ann Tatarinchik the bright minds driving their in-house tech lab, advisors on the project include Sasha Ivanov who heads up the team at Waves. It will come as no surprise that Waves is the platform that Viso have launched their asset on, due to TX speeds available on this blockchain.

Conventional stores, restaurants, online stores, gas stations, dentistry clinics, coffee shops, and hundreds of other retailers will all be able to receive payments for their goods and services with VISO. The system lets you pay virtually any amounts for anything! This will
not only boost sales but also draw new customers to your business. Payments can even be made using the existing conventional payment environment via credit card-based purchase terminals, as VISO is not just about cards: we have been creating a full-scale system encompassing Cards for Regular Users, Top-Level Processing, and Payment-Accepting Terminals for Businesses.

The payment system will offer an unlimited potential for the instant and contactless receipt and sending of payments between the system’s individual users.


The VITO token is used in the VISO payment system as a settlement cryptocurrency and a means of paying commissions.

The worldwide spread of VISO has been programmed into the system and can occur any time now. VITO is a limited-issue token used for currency conversion in the payment system. Another reason the VITO TOKEN will interest investors is that VISO will enable individuals to instantly receive and send payments with no limits at all. With VISO, everybody wins, but those who become the first to use it will win the most.

“It makes sense to let the potential investor understand that we aren’t going to compete with monsters like banking systems but that we can make these monsters more humane, easy-to-use, and beneficial to everyone by expanding their capabilities via the VISO solution.”

All of cryptocurrency acceptance is implemented on VISO SMART terminals via the VISO Wallet and VITO Tokens. The cryptocurrency accepted as payment is automatically and instantly converted through processing, and the sale itself occurs in the national currency of the country in which the payment takes place. That way, SMART terminals or the VISO app for sellers greatly simplifies the day-to-day acceptance of payments and extends users’ cryptocurrency acceptance capabilities.

VISO Wallet options

Most people have already made the transition to digital payments systems in one form or another, be it contactless payments with a payment card, mobile payments or funds transfer using Samsung Pay, Alipay, PayPal or Apple Pay, or interacting with their bank accounts through mobile apps. The VISO vision does not seek to change any of this, but seeks simply to enhance it, to make things easier by taking advantage of the blockchain architecture and adding the ability to deal with cryptocurrencies, in short, to make it seamless.

Wallet Functions:

Anyone with Internet access can open a VISO Wallet and the balance can be denominated in VITO, other cryptocurrencies (BTC, ETH, Waves etc.) or any fiat currencies. To open a VISO Wallet, you go through a quick and easy registration process, which will allow you to reinstate your wallet access if you forget your login or password. VISO Wallet is a secure platform with access procedures that comply with banking security standards. Though primarily intended as a mobile app the VISO Wallet is also available in a web browser interface.

The VISO system relies upon its own token and cryptocurrency, VITO. Whenever a crypto or fiat transaction takes place, or a crypto to fiat exchange is needed, the required currencies are exchanged into and out of VITO. However, the speed of the system means that this takes place behind the scenes and is imperceptible to the user. Of course, VITO are required to access and use the VISO ecosystem but these are easily purchased with the fiat- or cryptocurrency of your choice, inside your VISO Wallet.

Again, our vision is utility for the customer, so VISO guarantees the best exchange rates, for whatever currency is required. Both domestic and international transfers and payment in VITO are commission-free. If cryptocurrencies are not accepted at the PoS then the VISO system will convert crypto to fiat on the fly; the merchant receives fiat and the VISO Wallet user pays in crypto. To facilitate this real-time transaction, the user will need to pre-select the crypto and/or fiat balance they wish to convert from; a simple process within the VISO Wallet app.

VISO Cards

VISO Card Lite: a virtual card powered by Host Card Emulation technology, enabling contactless payments from any NFC technology-supporting smartphone.
VISO Card Pro: a physical MasterCard or VISA payment card linked to VISO Wallet which supports contactless payments.

In the near future, they envision:

VISO Card Celestial: all the usual benefits, plus a credit card.
VISO Card Infinity: all the usual benefits, plus a premium credit card.

VISO cards support the SMART Balance technology, which enables the automatic conversion of funds from a payment card or a bank account into cryptocurrency and back. After enabling this option, you will no longer have to make cryptocurrency sale/purchase
transactions manually. Conversion rules are customizable by the user. This technology enables you to always maintain your preferred balance in regular currencies and in cryptocurrency.

Example: let’s say that you have set yourself a limit of USD 1,000 and that you have a BTC balance. After you make a USD 300 purchase, the system automatically sells the required quantity of bitcoins to bring your balance back to USD 1,000. Or the other way around, suppose you have refilled your card and now have a USD 1,600 balance. The system will
automatically sell USD 600 to refill your BTC balance.

VISO have taken payment cards to a new level!


Card issuing fee – physical Free
Card issuing fee – virtual Free
Annual fee – physical card Free
Annual fee – virtual card Free
Domestic exchange fee 0%
Foreign exchange fee 0%


VISO SMART Terminals

Through VISO SMART terminals, customers can:

VISO SMART terminals are a new generation of terminal that combine the features of regular bank terminals, payment terminals and cash registers, and that allow for launching any mobile apps powered by Android. VISO SMART terminals can be integrated with the accounting system of a commercial enterprise, effectively turning it into a fully featured
cash register that displays an entire product line. Combining all cashier machines into a single device allows the point of sale to minimise costs, which is especially important for small businesses.

VISO SMART terminals have the VISA and MasterCard certification, enabling these terminals to quickly replace any bank terminals at any point of sale. This certification means that VISO SMART terminals meet the PCI DSS 3 information security standard, which makes them highly secure.


In what has been a busy 2019 for the Viso team they have announced they have received licences to operate their SMART Terminals in the regions of Russia and Belarus. When you look at the partners they have onboard that include M4bank & Paymob alongside auditing firm Auditmrcheveli to name a few.

The company’s co-founders are the creators of technology leaders whose products have
been certified by VISA, MasterCard, American Express, Union Pay, and Belkart.

Viso currently trading on the Waves DEX under its native token VITO and is looking like a real value proposition! Check it out HERE!

Useful Links:

Official Site

Guide: List of Big ICOs in Early 2019

If you are a crypto investor looking to diversify your portfolio with some new promising coins, here is our list of some of the big ICOs that are scheduled for early 2019.

1. Geon Network ICO

ICO Start Date: 31 January 2019
ICO End Date: 31 March 2019

Geon is a platform that aims to redefine reality by expanding it through the implementation of Augmented Reality (AR) technology. The platform enables its users to create real-life Geons that will allow them to easily transfer value. In this way, Geon facilitates the interaction between B2C and C2C in an unprecedented way. Users can arrange conditions and define challenges that are required to be finalized before the transfer of value.

The platform’s native currency is the Geon Token (GEON). GEON is an ERC20 based token, being issued by the Ethereum blockchain. Users can use GEON to purchase Geon Coins and exchange value with other users, among other transactions.

geon network ava


2. MenaPay ICO

ICO Start Date: 15 January 2019
ICO End Date: 15 March 2019

MenaPay is a blockchain-based payment gateway in the Middle East and Africa. The platform’s objective is to replace traditional payment methods with a cryptocurrency fully powered by blockchain.

MenaPay will serve as a platform that connects customers directly with merchants through the use of blockchain. Merchants will be able to incorporate MenaPay’s technology on their platform. Most merchants are wary of accepting crypto as payment on their platform because of cash-out problems and price instability.

Thus, the developers created MenaCash. This coin can be considered a stablecoin, as its value is backed 100% by the US dollar. The crypto will be used as a currency for transactions on the MenaPay platform. On this platform, each MenaCash coin has a value of one dollar.

3. HotCoin ICO

ICO Start Date: 21 January 2019
ICO End Date: 21 March 2019
PRE-ICO Start Date: 07 January 2019
PRE-ICO End Date: 21 January 2019

HotCoin is a payment solution which endorses accessibility, privacy, and trust in the multi-billion-dollar adult entertainment industry.

hotcoin platform


HotCoin (HCN) uses Ethereum’s ERC20 blockchain algorithm, which was designed to ensure anonymity for users that access products and services offered by the adult entertainment industry. The team behind the project claims that their token can already be used in this purpose, allowing users to use adult websites and services.

They also aim to implement other products, including a HotCoin wallet, a payment gateway, as well as VR and AR solutions.

4. OCEAN Poseidon Foundation

ICO Start Date: 16 February 2019
ICO End Date: 24 March 2019

OCEAN Poseidon is a non-profit organization that is dedicated to reducing carbon footprints emissions.

Through their blockchain-powered platform, Poseidon can harness global concern over the climate change to make and track an impact in the forestry and land-use sector.

Poseidon’s blockchain platform enables users to transact carbon credits in grams. Before, carbon credits could only be bought in kilograms, so the acquisition of smaller items couldn’t be offset. Via the use of micro-transactions, Poseidon’s platform enables any product or (service) carbon footprint to be rebalanced at the point-of-sale.

Unlike most projects which use Ethereum’s blockchain, Poseidon’s token will use the Stellar platform, which is the most environmentally friendly blockchain platform, as it doesn’t require a consensus mechanism that consumes a huge amount of energy. A transaction on the Stellar network has an environmental footprint that is even less than that of a transaction (made using a Visa card).


ICO Start Date: 1 March 2019
ICO End Date: 15 March 2019
Pre-Sale Start Date: 22/05/2018
Pre-sale End Date: 01/03/2019

RAWG, unofficially dubbed the ‘IMDb of games’, is a video game database and discovery platform which features more than 50,000 titles from across all popular gaming platforms which turns your gaming skills into products and services.

Rewards will be given to gamers in RAWG tokens for in-game feats from their favorite games. For users, the tokens can be used to claim special offers from RAWG’s partners and convert them into other cryptocurrencies. Advertisers can also use RAWG tokens to buy ads on the RAWG platform, in order to reach players.

The price of a RAWG token is tied to the price for an advert placed on RAWG – 100 tokens will signify 1,000 impressions of a banner ad.



6. AvailCom ICO 

ICO Start Date: 15 January 2019
ICO End Date:15 February 2019
ICO Token Supply: 835,000,000 AVL
Pre-sale Start Date: 15 November 2018
Pre-sale End Date: 15 December 2018
Pre-sale Token Supply: 70,000,000 AVL
Price: 1 AVL = 0.03 USD

AvailCom is a platform based on blockchain technology which can be used for any property renting, from apartments and houses to cars and bicycles, with the option of paying in fiat currency without any interest added to the price.

AvailCom is a platform that will speed up the search and leasing process of any property without keys, while also eliminating the need of a third party interference. By using this service, anyone will be able to negotiate and rent property free from the owner without having to deal with stuffy bureaucracy and time delays.

7. HyperionX (TREE) ICO

ICO Start Date: 20 February 2019
ICO End Date: 2019-12-31
Token price: 1 TREE = 0.04 USD

HyperionX is a unique organic community and a marketplace that incentivizes users to watch ads and complete surveys.

HyperionX‘s objective is to build something more than just a simple marketplace that hands out rewards. The team believes that emergent technologies such as blockchain will directly change the way we interact with society and how we view our jobs. Their goal is to build a free marketplace and a decentralized ecosystem where people will be able to create content and receive tokens for performing various activities.

As users will keep using HyperionX, they will unlock new features and decentralized applications that will generate new ways of interacting with the community.




If you’re interested in getting involved in ICOs, please do your own research. You can read further coverage on ICOs from our site in this macro-analysis of the market, or in this article about Vechain’s ICOs. Lastly, here’s another analysis of how ETH prices affect the ICO ecosystem as well.

Author: Cole Meiterman 
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A Precedent: “Creative Destruction” of ICO with Market Cap of USD 10m

As the ICO (initial coin offering) market is changing, the cryptoverse just got another story to follow that might set an example of “creative destruction”, or how an ICO project might be closed down.

The platform connecting blockchain believers to teams that are building serious blockchain businesses has announced that it is closing down. According to the startup, it will be distributing the assets to their token (CFI) holders, since they believe “to continue with this purpose for a market that does not exist is not responsible.” At the time of writing, the market capitalization of the token stands at USD 9.8 million, the company has around 20,000 followers on its social media channels.

The startup was launched in 2016 and was the first crowdfunded project that was completely funded by the crowd in a pre-sale. They boasted a positive result in their first month of existence and their token was listed on exchanges such as Bittrex and Bitfinex. However, the winding down of the community-driven ICO concept of crowdfunding led the company to realize that they would rather close down now than try to evolve.
“The core idea of was to create an alternative VC [venture capiltal] ecosystem built around crowdfunding, democratization and transparency. Instead, the larger ecosystem developed and transformed into something completely opposite. Instead of waiting for the market to turn around, we have decided to opt for creative destruction, wind down and distribute the assets to the token holders,” co-founder and former CEO of, Daniel Zakrisson explained in a blog post.

He added that in November 2017 it became clear that the ICO concept needed to be reinvented, the power shifted to early professional investors and hype factories promoting ICOs to retail investors. “We started the SEED programme to give the crowd the opportunity to join at the earliest funding stage. It became clear that the “community” at the core of the crowdfunding concept disappeared. In February it was evident that we were correct in our predictions<..>. The community-driven ICO concept of crowdfunding was dead,” Zakrisson concluded.

As reported by, in Q2 this year the share of institutional capital in ICOs increased while the number of retail investors continued to drop.
The company also adds that they hope to set a positive precedent for upcoming crypto-related projects: “By choosing creative destruction we keep the pace of innovation high in the space and hopefully set an example for other projects that will choose a similar course of action instead of quietly spending funds raised from the community for other purposes than was originally intended,” the blog post concludes.

In an interview, published by in January, chairperson David Prais explained what led to the launch of the project:
“I guess a couple of things: one was that the time was right, but, fundamentally, the financing of start-ups has gone wrong. I see this from my role as a director within the Funding London organisation. Some people have tried to rebalance the powers of funders and start-ups, but we really need a proper shake-up to try to get the balance right moving forward. is an attempt to correct the imbalance so it works for all parties.”

Their coin, CFI, is ranked 330th by market capitalization and has jumped by 38.71% in the past 24 hours at the time of writing, although the blog post states that “The CFI token trading will be stopped at the major exchanges today, Friday, September 14 at 12:00 CET to avoid speculation and market manipulation.”

The company has not replied to our request for comment by press time. Meanwhile, the next course of action the startup is taking is to consolidate and return all liquid assets within 30 days, destroy any CFI not in circulation, as well as provide regular updates on the wind-down process.
Such an unprecedented move – the closing down of a relatively successful business due to market evolution – is quickly becoming fertile ground to malicious actors who try to take advantage of the situation. However, the company is already aware of this and taking steps to prevent it.

Ervin K. Ursic, currently responsible for the wind-down of the company, writes in an official release, “I have been made aware of what appears to be unusual CFI trading activity in the last couple of days […] I plan to conduct a thorough investigation into trading activity, involving exchanges, law enforcement, securities agencies and other pertinent authorities. Should any irregularities be discovered, reparations will be pursued to the maximum extent permissible by law in both criminal and civil courts.”
A follow-up blog post details the phishing attempt, saying that a small number of people have received an email with subject “IMPORTANT: Ethereum Address Proof of Ownership Urgently Required”. The email appears to have come from “” They add that, “The email is a phishing attempt. If you were among those who received it, please report it as phishing and delete it,” as well as that there is “no evidence” of a database breach.

For those who hold CFI, the process of reclaiming is explained: “The total amount of assets will be divided by the amount of tokens in circulation, and as a token holder, your part is claimed by sending CFI tokens to a CFI destroy address that will be available on a dedicated website within 7 days.

Author: Sead Fadilpašić
Image Credit: iStock/Neustockimages


Federal Judge Applies Long-Established Securities Law to ICOs

Does a decades-old securities law apply to an initial coin offering (ICO)? In a case that represents the first time securities laws have been applied to cryptocurrencies, a district judge says it may.

On September 11, 2018, in a district courthouse in Brooklyn, New York, Judge Raymond Dearie ruled that two ICOs were securities, based on established laws that govern the financial instruments. His decision does not imply that all ICOs are securities, but that simply calling a token a “currency” does not preclude it from being classified as a security.

Turning back a few pages, in October 2017, businessman Maksim Zaslavskiy was accused of misleading investors in two separate ICOs. He raised about $300,000 in a cryptocurrency called REcoin, which he claimed was backed by real estate, and a cryptocurrency called Diamond, which he claimed was backed by diamonds. In truth, no real estate nor diamonds backed either of the coins, and Zaslavskiy was charged in a criminal complaint with conspiracy and two counts of securities fraud — charges that carry up to five years in jail and a fine.

Zaslavskiy moved to have the charges dismissed. He argued that his ICOs were not securities, but “the exchange of one currency for another,” and that securities laws are too “unconstitutionally vague” to be applied to his case.

Cornell law professor Robert Hockett calls the insistence that the laws are vague a “Hail Mary.” “It is a fallback argument,” he told Bitcoin Magazine. “At first the defendant says the law is clear in that it clearly does not apply, but then he effectively says, ‘I have no way of knowing what I can do because the law is unclear.’”

Judge Dearie found the laws clear enough. He pointed out that laws are meant to be interpreted flexibly. He then went on to determine that the two ICOs in question were “investment contracts” by applying the Securities Exchange Act of 1934, one of the most important pieces of legislation governing securities, and the Howey Test, a checklist regulators use to determine if an asset is a security.

Specifically, the Howey Test determines that a transaction represents an investment contract if “a person invests his money in a common enterprise and is led to expect profits solely from the efforts of the promoter or a third party.” According to case documents, Judge Dearie found that REcoin and Diamond investors “undoubtedly expected to receive profits in their investments.”

In his arguments, Judge Dearie also referenced the DAO Report, an investigative report issued by the U.S. Securities and Exchange Commission (SEC) in July 2017 claiming that tokens sold on an Ethereum-based investment fund were securities, and public statements made by SEC Chairman Jay Clayton on cryptocurrencies and ICOs in December 2017. At that time, Clayton noted that “simply calling something a ‘currency’ or a currency-based product does not mean that it is not a security.”

“Combined with statements the SEC chairman made previously, yesterday’s decision lends further credence to what many of us believe, which is that offered coins will count as investment contracts and hence securities,” said Hockett. “The SEC has made noises that ICOs were securities, but up until now, there has been no official legal ruling declaring they were.”

The case still has to go to trial and, ultimately, it will be up to a jury to decide whether the ICO in question was a security. Still, Hockett said: “I really doubt an appellate court will overturn the district court’s ruling.”

ICOs have been a major source of controversy in the crypto space. So far, about $20 billion has been raised in ICOs, most of that in the last two years. In a talk at MIT in April 2018, Gary Gensler, former chairman of the Commodity and Futures Trading Commission (CFTC), another regulatory body that has weighed in on ICOs, noted “significant noncompliance” with securities laws in the cryptocurrency space. “Many initial coin offerings, probably well over a thousand, many crypto exchanges, probably 100 to 200, are basically operating outside of U.S. law,” he said.

Author: Amy Castor
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