WIXLIB

Robo-AdvisorsIn the field of Wealth Management, there are more and more robo-advisorsproviding services, and the trend is growing across the industry. Several well-knowninstitutes predict between 2.2 trillion and 3.7 trillion in assets to be managed with thesupport of robo-advisory services by 2022 and over 16 trillion by 2025. There are fourgenerations of robo-advisors. These systems have steadily matured from the firstgeneration with a single product proposal of portfolio allocation, all the way togeneration four that incorporate sophisticated risk management and profilingquestionnaires alongside self-learning artificial intelligence investment algorithms.Many wealth management firms suffer from a high threshold for entry. For example,Schwab’s no fee Intelligent Portfolios require a 5,000 minimum investment. Bankof America requires 5,000 to open an account with their robo-advisor. A reportfrom the World Bank states: “Because of their low cost and easy accessibility,robo-advisors have the potential to promote more sophisticated investment practiceswithin a population not used to having access to financial advisors. Robo-advisors couldbe particularly attractive to certain groups, such as households with relatively lowerincome or younger individuals.”Retail FX and CFD IndustryThe foreign exchange market is the largest asset class in the world, averaging 6.6 trillionper day. The retail FX industry represents 5.5% of the entire market and it generates adaily volume of 363 billion. Around 80% of the time, retail clients lose money,resulting in short client life cycles and high client acquisition costs for the industry.Gold InvestingGold is the most popular precious metal in terms of investment. It has high liquidity andcan be converted into cash easily. Investors buy gold to diversify risk, most of the timeusing derivative contracts. Throughout history, gold has been used as a form of paymentand has been a standard for currency equivalents. In the US, the gold standard ended in1971, when the Federal Reserve discontinued the practice of converting dollars to gold ata fixed price and made the transition to a fiat currency system. In 2000 the Swiss Francalso departed from the gold standard. Gold prices have been steadily growing in the last20 years from 279 per ounce in 2000 to 1,745 per ounce in 2021. One of themost popular ways to invest in gold involves buying shares in ETFs, thus acquiring adiversified exposure to gold without having to invest huge sums of money.Currently, there are over 120 billion invested in gold EFTs.Neo BankingNew digital online platforms and user-friendly apps are disrupting traditionalbanks: “Commercial banks are facing fierce headwinds against their traditional businessmodels from tech and FinTech disruptors, negative rates, low-yield environments, strictregulatory oversight, and depressed borrowing appetite”.Welthee Blockchain Disruptive company. All Rights Reserved.16welthee.com

Banks in Switzerland, Denmark, Sweden, and Japan have started to charge their wealthyclientele negative interest rates. The new banks do not operate traditional physicalbranches and are technology-driven. Many have artificial intelligence programs tocustomize the user’s experience. They are more flexible, usually cheaper, with no monthlycosts and are more transparent. In the first half of 2019, 2.5 billion have been raised in55 deals.Crypto InvestingIn 2008, the enigmatic 'Satoshi Nakamoto' introduced, in a now-famous white paper, “apurely peer-to-peer version of electronic cash, which would allow online payments to besent directly from one party to another without going through a financial institution”. In2015, Ethereum was launched as a platform specialized in smart contracts that canfunction as multi-signature accounts, manage agreements between users, provide utilityto other contracts, and store information about an application. The low barriers to entryfacilitated the creation of thousands of crypto assets with a current market cap of over 1.8 trillion.Cryptocurrency FundsThere are over 100 billion worth of assets under management in crypto funds.Growth of Crypto Assets Under Management, in Millions of USD 100.000 61,000 75.000 36,485 50.000 24,493 25.000 19,110 17,283 14,350 5.000 0 6,860 1902016 29,110 18,284 8.340 5,580 2,200 380 6752017201920202021Crypto assets can be divided in many categories and sectors: payment currencies,privacy coins, stable coins, utility tokens, commodity tokens, security tokens,blockchain platforms, computing and cloud services, gaming, distributed storage,payments platforms, asset management, exchange platforms, lending platforms,etc. For the cryptocurrency industry to become mainstream it must become more userfriendly, less risky, and provide secure platforms from which to invest in crypto assets.Welthee Blockchain Disruptive company. All Rights Reserved.17welthee.com

Cryptocurrencies are also extremely volatile, and investors have very few options tomitigate that risk.In recent times, there has been a significant increase in investments and participation frominstitutional investors, both in the spot and futures markets. According to a KPMG reporton “Institutionalization of cryptoassets”, there are key challenges in this field:compliance with regulatory obligations, fork management and governance, KYC andcrypto-asset provenance, securing crypto assets, accounting and financialreporting, and tax implications.Furthermore, there are significant developments in the area of crypto assets custody thathave occurred. Companies like BigGo and Coinbase have developed professionalservices and are reporting significant trading volumes. There are also various typesof risk for investors in crypto assets; therefore developing strategies for risk mitigationis essential to achieve a greater degree of acceptance for crypto-assets and tounlock their full potential.Centralized exchanges provide significant liquidity, fiat on-ramps, greater tradingfunctionality, as well as institutional support. However, they have also been the targets ofhackers, with investors losing over 980,000 bitcoins to such attacks, which is more than 15 billion at current exchange rates.Top ICOs - Funds & PerformanceOver 20 billion have been raised in ICOs, with over 10 billion in the largest 20. Thereis increased diversification with apps and vertical use-cases in core tech, cloud,banking, payments, investments, Internet of Things, gaming, media, social, and others.Over 10.7 billion raised in the top 25 ICOsWelthee Blockchain Disruptive company. All Rights oinTezosDfinityParagonSirin ashEnvisionHedera18welthee.com

Here are some of the best performing ICOs (March 2021):NameICO DateICO PriceCurrent PriceROI 1,840591540% 0.001 1.6159900% 0.032 45.2141150%07/14/2017 0.150 270179900%Stratis06/20/2016 0.007 1.622757%Ark11/07/2016 0.010 1.615900%Ethereum07/22/2014 r08/01/2015 0.602 33.35432%Cardano09/01/2015 0.002 1.259900%Lisk02/22/2016 0.076 4.15295%Storj07/18/2014 0.009 111011%Polkadot10/14/2017 0.29 39.413486%Uniswap01/15/2018 0.26 33.112631%Crypto asset returns are uncorrelated with traditional asset returns. Crypto assets havedeveloped a negative correlation with fixed income. This shows the potentialdiversification of crypto.ICO failure rates are high but they are in line with the 60-80% general fundraising andearly-stage failure rates, or the failure rate on Kickstarter. In 2018-2020, the numberof ICOs has decreased significantly but there are two other emerging forms ofcrypto investments:IEO & STOInitial Exchange Offering (IEO) and Security Token Offering (STO) are growing.Investors already know how to value Security Tokens and regulators already know howto regulate them, which has kicked off a race to build platforms to support suchinvestments. Further, the tokenization of ownership of illiquid assets – expensivepaintings, commercial real estate, commodities – democratizes ownership at muchlower net-worth levels and may catalyze a boom in the assets being tokenized.National Governments & Central BanksAll major banks are actively undertaking research into distributed ledger technology (DLT)to create more effective services. Many central banks are exploring the use of DLT and theneed for a new international monetary and financial system delivering more efficientpublic services. Currently, there is a race amongst the USA, China, and Russia for launchingthe first government-backed cryptocurrency.Recently, the Bank of China issued 2.8 billion in bonds for small businesses withblockchain platforms.In November 2019 the German parliament passed legislation allowing banks to store andsell cryptocurrencies. This opens the door for Germany to become a crypto-haven.Given that Germany is the fourth largest world economy by GDP, this will have a majorimpact on the rest of Europe and the world in regards to greater adoption of crypto.Welthee Blockchain Disruptive company. All Rights Reserved.19welthee.com

Decentralized FinanceDecentralized finance (DeFi) is becoming one of the most important things in theblockchain industry. There are several projects that enable lending and borrowing throughblockchain and over 40 billion in committed collateral. Moving crypto from alternativesinto the core portfolios using efficient ETF products would drive far larger growth. ETFshave been a growth engine of the asset management industry, adding 3.4 trillion in 10years, given their low cost and ease of use within a financial advice framework. A similarproduct in decentralized platforms will significantly increase crypto investments andadoption. As an example, the provider BRD has over 6 million clients and over 20 billionunder their umbrella.Crypto Financial SingularityBitcoin 58MAccording to the Autonomous.NEXT report #Crypto Utopia, theoptimistic view of a crypto-financial singularity by 2033 is based onthe premise of the continuation of its exponential growth curve,resulting in this asset class surpassing the values of Gold and FXreserves by 2025. By 2030, all economic activity will flow through acrypto infrastructure, and by 2033 it will subsume all humanactivity.ConclusionsWith its revolutionary approach to investing, Welthee is thebest candidate to turn the investment industry into anaccessible resource for wealth building, for both new andexperienced investors.If you had invested 100 at the start,what you would have today:GeneralElectric 43.4K 26.6K 23.9K 2.6KAlphabet 33.3KStarbucksFedExWelthee Blockchain Disruptive company. All Rights Reserved. 124.2KAmazon 120.6KAppleNetflix 64.2KMylan 148.4KMicrosoft 370KPfizerThe payoff of investingearly: Stock IPOs vs. Bitcoin 753K 569.8KMcDonald's 1.04MCoca-ColaWalt Disney 1.24MWalmart 6.07MNikeThe crypto market is still in its very early days, which leaves alot of room to improve the way investments are being made. 100 Initial Investment20welthee.com

WeltheePositioning

Welthee PositioningThe wealth creation industry is going to be disrupted by the introduction of unprecedentedinvestment products. A massive amount of people will be able to invest with a lowthreshold and just a few taps on their screen. Decentralized finance is going to play one ofthe most significant roles in the industry, offering users security and peace of mind.Welthee’s platform is going to be positioned as a disrupter. Existing customers in manysegments of the investment industry will be able to build their wealth with Welthee’s easyto use, non-custodial, variable risk, and secure platform.Welthee is not just doing things in a different way, it is changing the game for investmentby meeting customers’ needs and offering distinctive value with unprecedentedinnovative solutions. We are creating a new market and doing something most cannot offering near-zero risk and variable risk investments. Welthee is going to be positioned toserve the unbanked and to unbank the banked. Over 90% of users will not need anotherapplication for their investments or banking.StockMarketRoboAdvisorsWelthee Blockchain Disruptive company. All Rights roInvestingCryptoInvesting22NeoBankingwelthee.com

CoreValues

Core ValuesOur business culture is driven by our core values: friendship, trust, safety, brilliance, andcollaboration. These core values define our identity and guide our decision-makingprocess. They represent our true north and guide our operations.CollaborationWe cultivate collective ingenuity. We harness collaborationacross the board: as a team, with our users, and with ourstrategic partners. We recognize and enhance individual’sstrengths in a collaborative culture. Together is better!BrillianceWe strive for brilliant leading-edge technology, brilliantproducts, brilliant user experience, and brilliant results incustomers’ accounts. Brilliance goes beyond innovation andexcellence, it’s made possible with a brilliant team. Wechallenge the impossible and create value.TrustThe innovation of our platform is the promise we make toour users. This is the vow that our team will never break, soeach user on our platform can feel confident enough tocount on us and trust us fully.Welthee Blockchain Disruptive company. All Rights Reserved.24welthee.com

FriendshipWe are a family, and oftentimes, family is made of friends.We’re keen on creating a memorable, pleasant and simpleexperience, inside and outside the company. We believe thatsimple things are honest, and honesty is the basis forlong-lasting friendships.SafetyThe safety of our users’ funds and data is our top priority.We use non-custodial, decentralized solutions, that allowtrading without the implication of third parties, and thatprotects users against potential losses and hackers. Securityis our foremost priority, and it factors into all of our decisionmaking.Welthee Blockchain Disruptive company. All Rights Reserved.25welthee.com

Problemswe Solve

Problems we Solve1. VOLATILITY3. HACKING2. LACK OFDIVERSIFICATIONPROBLEMSWE SOLVE4. SCAMS6. HIGHCOMMISSIONS5. EMOTIONALDECISIONS7. TOO MUCH RISK1. VolatilityVolatility measures the standard deviations of the logarithmic returns of an asset. Themagnitude of the moves defines the measure of risk for many investors. Likewise, thewider the swings in price, the harder it is for investors emotionally. Volatility defines theposition sizing in a portfolio, and if an asset is very volatile, it is not chosen for retirementaccounts. Portfolio volatility has a negative impact on the compound annual growth rate(CAGR) of the portfolio, and it also affects the pricing of options, being a parameter ofthe Black-Scholes model.Welthee Blockchain Disruptive company. All Rights Reserved.27welthee.com

Currently, investors have limited tools at their disposal to mitigate the inherent risks ofsuch high-volatility financial instruments. For any asset to gain mass adoption it needsto be stable. Almost all cryptocurrencies are very correlated with Bitcoin andextremely volatile and as such, risk-averse investors are still staying away.Here is the current Bitcoin chart and its massive drops in price:61,00054,000BitcoinPrice Chart 1In the last ten years, Bitcoin has experienced dramatic drops in price four times, from 82%to 93%.Bitcoin VolatilityPeak DatePeak PriceValley DateValley Price06/11/2011 3511/21/2011 2Percent Drop93.6 %04/10/2013 25904/12/2013 4582.6 %11/30/2013 1,16301/14/2015 15286.9 %12/17/2017 19,66611/25/2018 3,27783.4 %Welthee provides portfolios with a patent-pending risk mitigation method that reducesthe volatility to near-zero. Details about the Welthee platform and its ecosystem aredescribed later in the white paper.2. Lack of Diversification or Over-ConcentrationMany investors lose money because they invest too much money in one investmentproduct. Diversification reduces the risk by allocating funds across multiple asset classesand multiple financial products. Diversification does not, however, guarantee a lack ofloss, but it is one of the most important components in reducing risk and reaching longterm financial goals.Welthee Blockchain Disruptive company. All Rights Reserved.28welthee.com

3. HackingMany centralized cryptocurrency projects have been hacked, with investors losing over980,000 BTC or 15 billion at current prices. Some of the biggest hacks are Mt.Gox 850,000 BTC, Silk Road - 171,000 BTC, Bitfinex - 119,000 BTC, Linode - 46,000 BTC. Morerecently hackers have developed sophisticated attacks through phishing, viruses, andother attack vectors. Some statistics say that in 2018 investors lost over 1.8 billion andin 2019 over 4 billion.4. Scams and Ponzi SchemesMany investors lose money in get-rich-quick schemes, or high-yield investment Ponzischemes, which are advertised as investments with high and consistent returns with littleor no risk. Some researchers estimate that between 2008 and 2013, over 50 billionwere lost in over 500 Ponzi schemes. In all these schemes investors need to transfer theirfunds to a third party, thus losing control over their money.5. Emotion-driven Decision MakingMany times, investors are influenced by media hype and fear of missing out, so they buyat peak prices and sell during valleys. Losses cause stress and make investors secondguess otherwise rational choices, leading to painful experiences that often result in themhaving a low-risk tolerance.6. High Commissions and FeesThere are many types of commissions and fees: brokerage fees, trading fees, mutual fundtransaction fees, sales loads, back end loads, management or advisory fees, success fees,account maintenance fees, and transfer fees. This makes investing with small accountsnear-impossible and excludes low-income people from participating in the market.7. Too much RiskThere are many ways in which investors take on too much risk when investing. Manytimes, broker-dealers offer leverage accounts through le

Multiple streams of passive income. Welthee is creating a token that empowers users to generate several streams of passive income through a variety of avenues, such as token rental, low-risk and high-risk liquidity pools and portfolios, as well as staking. The Welthee token is required to acc