VERSION 1 - Dinar Dirham

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INTRODUCTIONCompany OverviewDinardirham currently venture into fintech blockchain development startup company and forexbroker that fanatically works to digitalize investment grade gold holdings into blockchain concept. We useour 10 years of forex trading platform development expertise to create one of the first 100% gold backeddecentralized crypto tokens on blockchain. By design, dinardirham does not hold or control either gold ordinarcoin or gold smart contract. All gold/fiat assets issued in dinardirham will be bridged 100% transparentlyto the liquidity provider using the latest technology to insure decentralization of backup holdings. All newdinarcoin and gold smart contract are multi-signature issued onto wallets that belong to gold owners whichkeep their own private key. Dinardirham started in southeast asia as physical gold local marketplace tooffer trading between members using dinar as payment method. In july 2015, dinardirham has registeredat Hong Kong company that ventures with several other companies involved in forex trading, blockchainand crypto technology to develop a platform for global gold decentralization project. Collaborationbetween a few technology companies from Romania, UK, China, Malaysia, Singapore, Thailand, Belgiumand Ukraine, as well as investors and crypto experts allows dinardirham to further develop and gain globalparticipation. The technology used in DinarDirham project is the product of extensive research in the areaof “peer to peer” token cryptography and high frequency trading platform which has the capability to offerphysical/paper gold trading marketplace/liquidity where members can claim and collect gold bars from ourmetals liquidity provider which are available to worldwide. Our development team multi-national locatedin Singapore, Malaysia, Thailand, Romania, Russia and China consists of multi-national professionals insoftware development, business, and internet marketing fields.1www.dinardirham.com

Our ProposalDinarDirham will provide an operative bullion trading marketplace, client wallets, smart contracts(GSC) and cryptotokens (DNC). DinarDirham will control certain aspects such as the issuance of DNC againstXAU spot contracts, and GSC against physical bullion procured from partnering organizations. DinarDirhamwill be able to issue derived authorization keys to its partners which will be used to issue the blockchainbased assets, in a secure and auditable manner. This is consistent with the objective to maintain the overallintegrity of the platform and marketplace. DinarDirham proposes to develop a distributed bullion ordermanagement system that generates cryptographically verifiable assets, and enables the trading of theseassets by anyone who holds the appropriate wallet. The system will easily integrate with a wide rangeof solutions to allow DinarDirham and its bullion backed currency and assets to become a key means ofexchange and asset holding. DinarDirham will also provide numerous trainings and support for this newsystem to ensure rapid development in the market and increasing global clients adaption.RationalezzzzzzzzzzzzEthereum is by far the most sophisticated platform for smart contracts.Bitcoin is the mostly widely used blockchain.A distributed marketplace provides scalability and systemic resilience.The chosen delivery mechanisms are common to mobile and desktop internet clients.The security of crypto-currency is proven to be resistant to arbitrary interference.Dubai launched Blockchain strategy to become paperless by 2020.www.dinardirham.com2

About UsDinarDirham is product of a global Fintech company with its headquarter office located in 13A/F,South Tower, World Finance Centre, Harbour City, 17 Canton Road, Tsim Sha Tsui, Kowloon, Hong Kong.DinarDirham has an IBs and representatives in Kuala Lumpur and as well as marketing offices in Malaysia(Kuala Lumpur and Sabah), Thailand (Bangkok), Indonesia (Bandung and Jakarta), Combodia, China,Romania, and also Singapore which also provide online and physical gold, forex and metals investmentsolutions. With over 10 years of Forex trading platform development, DinarDirham has been established asa decentralized gold and forex investment platform, using the latest technologies to provide transparency,reliability and security. The teams is highly skilled multi-national professionals with extended expertise inforex platforms development, blockchain based solutions, cryptocurrencies, security, internet marketingand worldwide business. DinarDirham carries a mission to allow people to make wise investment decisionsin safe assets in a transparent and decentralized manner.3www.dinardirham.com

Partners and ProvidersLIQUIDITY PROVIDERSA global IT company which offers & develops the latest technologies to provide clientswith the most efficient IT solutions. Technology related to the financial markets is theirfocus.SABA CAPITAL A money-broking company, that acts as an intermediary in the broadrange of financial products from licensed financial institutions. Saba Capital Inc. alsomanages deals between foreign exchange and also domestic money markets.A web-based high performance trading platform that allows buyers and sellers to tradedigital currencies easily. Waxis is for private investors and institutional clients whoprovide secure and stable trading solutions.IBF provides a facility for Forex trading, Stock, and Commodities, with spreads that arecompetitive. You get a dedicated system, constant support, a warm environment foryour transactions, & innovative solutions & technology for your trading activity.Koperasi DinarDirham Berhad Is the first union in the world that used Blockchaintechnology, and is an expert in Digital Wallet technology. They have a vision ofbecoming the main distributors of physical gold and decentralized gold storage.TECHNOLOGY PROVIDERSMetaquotes Software Corp. Is a B@B software development company established in2000. Its most successful product, MetaTrade 4, is the most popular Forex tradingplatform in the world.Is a company that ultimately focuses on the extraction of the maximum potential fromextraordinary Distributed Ledger Innovations. Blockchain Lab is constantly striving fortechnology that opens up new frontiers.A company that’s focused on the maintenance and working of trading servers based onthe MetaTrader platform and server administration. Both highly dedicated andprofessional, MTexpert creates highly functional and easy to use solutions for brokers.ABX is the world’s leading electronic institutional exchange for allocated physicalprecious metals. ABX brings worldwide trading, price discovery, and clearing facilitiesinto one standardized and secure online trading environment via MetalDesk.Is a private investment company offering tailored education and services for savingand trading in physical precious metals and in cryptocurrencies. With a team that’sexperienced in financial technology and cybersecurity, Quantified gives their serviceswith high competency and professionalism.Otonomos is the world first initiator blockchain-chartered company. Otonomos offereddigital shared wallet on the blockchain.It enables users to transfer equity peer-to-peerto attract co-founders, remunerate collaborators, invite new private investors, or getfunding from the crowd at large.www.dinardirham.com4

FINANCIAL STATEMENT1 DNC (DINARCOIN CRYPTO ASSET)PRODUCTBID(We Buy)ASK(We Sell)SPREAD1 GRAMPRICEProposed price1 Dinar-10%( 157.64) 10%( 201.34) 43.7 47.37Price in MYR(real-time 4.0)MYR671.62MYR857.80MYR186.18MYR201.82Profit of Minting New DinarCoin Crypto Assetzz For every new 1 DinarCoin purchased by member, an amount of USD201.34 to in MT4 will be sent LiquidityProvider to back the DinarCoin Asset 1:1 value of gold.zz 1 Dinar (4.25 gram) which cost 201.34 must bridge the liquidity to Liquidity Provider 100% to Saba CapitalDinarDirham will use another 100% of the money to buyback and reproduces to buy second hand gold frommember using “We Buy” price and to be re- produced as 1 Dinar Gold 999.9 DinarDirham at “We Sell” price.zz The remaining 20.13 or 10% will go to the developer and partners.PROJECTIONNETT PROFIT (10%)PRODUCTS SOLDDinarCoinMYRMYR3 Months1400281,876.0028,187.609 Months140002,818,760.00281,876.001.6 Years420008,456,280.00845,628.003 Years700000140,938,000.0014,093,800.00Profit of Buyback Dinar Coin Crypto Assetzzzzzzzz5Buyback Price : USD157.64/MYR 671.62Selling Back Price : USD 201.34/MYR 857.80Profit Margin : 28%.9 Based on WE SALE in DinarDirham Website.www.dinardirham.com

1 BITCOIN ( BITCOIN CRYPTO ASSET)ProductsProposed price 1BitcoinPrice in MYR(realtime 4.0)BID (We Buy)Ask(We Sell)SPREAD-5% ( 2,613.01) 5%( 2,888.06) 275.05ADMINPROFIT10%MYR 11,141.87 MYR12304.44 MYR1172.81zz1 Bitcoin will cost 2750.54Profit of BUYBACK Bitcoin Crypto Asset :Buyback Price USD2,613.01/MYR11141.87Selling Back Price USD2,888.06 /MYR12304.44Profit Margin : 11 %1 ETHEREUM ( ETHEREUM CRYPTO ASSET)ProductsBID (We Buy)Proposed price 1Ethereum-5% ( 355.87)Price in MYR(realtime 4.0)MYR1516.17Ask(We Sell) 5%( 393.34)MYR1675.81SPREAD 37.47ADMINPROFIT10%MYR146.86zz1 Ethereum will cost 374.61Profit of BUYBACK Bitcoin Crypto Asset :Buyback Price USD355.87 / MYR1516.17Selling Back Price USD393.34 / MYR1675.81Profit Margin : 11%www.dinardirham.com6

OUR PRODUCTWHAT IS THE DINARDIRHAM WALLET?The DinarDirham Wallet provides a well secured ewalletfor your digital currency. With this wallet you can easilytrade, buy, or sell, any of the selected digital currencies.And it’s fully integrated with website, mobile , and desktop( Universal Bitcoin Wallet )WHAT IS DINARCOIN?DinarDirham’s cryptocurrency created on the Ethereumblockchain. Registered both on the Ethereum Blockchain andon the Bitcoin Blockchain. Can be used as a tradinginstrument, a good investment, and also as a method ofpayment.WHAT IS A GOLD SMART CONTRACT?A smart contract on the Ethereum blockchain thatdenotes ownership of physical gold bullion. Gold SmartContracts can be verified on both the Ethereumblockchain and on the Bitcoin blockchain. The goldbullion is secured in the vaults of the bullion providers.WHAT IS DINARDIRHAMPHYSICAL GOLD 999.9?DinarDirham’s physical gold price is based on thereal-time, current, worldwide gold spot price.DinarDirham Physical Gold can also be convertedinto any of their selected cryptocurrencies such asDinarCoin, BitCoin, Ethereum, Zcash, etc.7www.dinardirham.com

DINARDIHAMPHYSICAL GOLDFourth Edition (Limited)Weight : 4.25gDiameter : 20mmThickness : 1mmFineness : AU 999.9First Edition (1 Dinar)Weight : 4.25gDiameter : 20mmThickness : 1mmFineness : AU 999.9Fourth Edition (1 Dinar)Weight : 4.25gDiameter : 20mmThickness : 1mmFineness : AU 999.9Second Edition (1 Dinar)Weight : 4.25gDiameter : 20mmThickness : 1mmFineness : AU 999.9First Edition (1 Gram)Weight : 4.25gDiameter : 20mmThird Edition (1 Dinar)Weight : 4.25gDiameter : 20mmThickness : 1mmFineness : AU 999.9www.dinardirham.comThickness : 1mmFineness : AU 999.9Second Edition(10 Gram)Weight : 4.25gDiameter : 20mmThickness : 1mmFineness : AU 999.98

ETHEREUM BLOCKCHAINEthereum Implementation.These are some of the companies or organization that have a positive impact on the early stage ofethereum technology:Ukraine GovermentA group of Ukrainian officials signed a memorandum to move multiple levels of elections to theEthereum blockchain using E-vox, a platform developed by a group of companies including Ambisafe,Distributed Lab, and Kitsoft. The goal of this memorandum is to create “a decentralized, transparent andaccessible system for group decisions making via blockchain-based instruments” for political primaries,elections and online petitions or referenda.Japan GovernmentJapan’s Ministry of Economy, Trade andIndustry (METI) has been discussing about thepotential impact of blockchain technology on itsdomestic finance industry. According to notesfrom the 16th October meeting of METI’s FinTechstudy group, the government agency has becomeaware of the increasing interest in the blockchainand distributed ledgers in the US as part of a widerinquiry into financial technology.Airlock ProjectIBM & Samsung’s ADEPTIn January of 2015, IBMrevealed its ADEPT proof ofconcept in a paper called“Device Democracy Savingthe future of the Internetof Things.” The reportexplains the importanceof the blockchain and itsuse case scenarios within theIoT environment is becoming“revolutionary as a transactionprocessing tool.” ADEPT has chosen to use a fork of the Ethereumcode for its mission and the use of autonomous telemetry. IBM’spaper describes how they envision the project.9The Ethereum powered Airlock is called “the nextgeneration keyless protocol.” The platform uses two primaryusers lockmasters and keyholders which can lock or unlock alockbox mechanism. Airlock states on its website, “Lockmastersseamlessly grant permission to Keyholders who can accessa property or lockbox under specified conditions.” Theadvantage of using Ethereum’s smart contracts allows Airlock’sDApp (Decentralized Application) to create a programmableenvironment that can operate device automation.www.dinardirham.com

Microsoft AzureNasdaqMicrosoft announced its new cloud-based Blockchainas a Service (BaaS) platform Azure. The company hasannounced many different types of distributed ledgers withinthe projects research and development. Blockchains such asRipple, Factom, and Emercoin have been introduced to thesystem, but the media has focused its attention on Ethereum.Just recently R3 CEV told the world it was using the Ethereumprotocol through Azure to connect 11 banks together for aBank-to-Bank (B2B) platform. The Microsoft cloud platformhas also revealed its first Technical Preview of Azure Stack,which shows the public the projects manifestation.Nasdaq information security specialist Martin HolstSwende has officially joined the Ethereum Foundation as itsfull-time security lead. Despite it being one of his first dayson the job, Swende was highly visible at Devcon2, the nonprofit’s annual conference. There, he moderated a panel onsmart contract security and gave an overview of his view onthe state of the blockchain-based decentralized applicationnetwork. Swende told CoinDesk that his now formercolleagues at Nasdaq (he wasn’t involved in its blockchainwork) were largely positive about the move, suggesting thestigma of leaving the financial industry for a blockchain startup may be dissipating.Tomson ReutersMicrosoftThomson Reuters hasrevealed it will soon launch anidentity verification platformfor Ethereum smart contractdevelopers. Conceived as part ofthe mass media company’s recentEthereum “hackethons”, the toolswill be available in beta via theBlockOne ID website startingnext week. The goal, as explainedby Thomson Reuters, is to allowdevelopers to limit the use ofdecentralized applications (“dapps”) to users who accept theterms and conditions, making it easier to comply with commonregulatory requirements, for example. Thomson Reuters headof engineering, applied innovation, Richard Collin, explainedthat BlockOneID combines standard authentication practiceswith the blockchain.Algorythmix is a blockchain based credit rating and KYCplatform that won the first prize in the Citi Mobile Challenge.The platform “Cetas” is a decentralized prototype that usesblockchain technology to bifurcate the traditional way creditratings are handled. Algorythmix gave a statement to IBTimesUK saying, “Cetas is a decentralized platform which enablessharing of the KYC data using blockchain. The platform hasan added a layer of decentralized credit rating function andadvanced functionalities to address the problem of scale.”The blockchain service also has other projects which havenot been conceived yet. One is Basil that can calculate cybersecurity risk for cyber insurance, and Hermes a platform forsensor networks for industrial IoT application.www.dinardirham.com10

TIMELINE & FUTURE PLAN11www.dinardirham.com

MERCHANT PAYMENTBiggest Mining MachineIn South Asiawww.dinardirham.com12

ATTACHMENTSAs seen in this international portal newsBlockchain company DinarDirham to create27 June, 2016gold-backed crypto wallet.DinarDirham is creating gold-backed crypto wallet using which,users are able to trade and manage their own gold in itsintegrated exchange. DinarDirham is introducing a reliablecryptocurrency by linking the price to gold.By : Andrew LevichHow gold can be stored on blockchains22 Aug, 2016DinarDirham is using blockchain to fix the problems persistwhen using physical gold as main source of currency bydeveloping its own digital currency which value beingbased on gold spot price, mitigating the volatility factor ofthe most advanced digital form of money,cryptocurrencies.By : Pawel TomczykDinarDirham Founder Aims To Open100 Outlets By 2020.Future of gold: asset stored on blockchains18 OCT, 2016DinarDirham will expand its operations by 2020 by opening 100branches, 20 of which will be in Malaysia.By : Nurul Jannah Kamaruddin17 Aug, 2016DinarDirham created a digital currency on blockchain basedon gold’s spot price to promote stability and reliability in thedigital currency field and solved the volatility problem.By : Pawel TomczykBitcoin and Ethereum Backed by Gold Industry’s Game Changer?07 July, 2016DinarDirham introduces a technology called blockchain thatenable citizens to trade, own and give gold in a manageableway. Hence, reintroducing gold-backed currencies into theglobal circulation.By : Julia Daimio13DinarDirham: Where Gold Meets Blockchain13 July, 2016DinarDirham is launching an innovative and perfect union ofblockchain technology and gold investment. DinarDirhamwill launch its own decentralized wallet with an in-builtexchange that supports popular digital currencies as well asits own.By : Julia Daimiowww.dinardirham.com

Key Notes EventsDubai, May 2016Ethereum SingaporeDevcon TwoShanghai, China, 2016Vitalik Buterin Keynote Special (Meetup)www.dinardirham.com14

The Future And BlockchainTechnology (Conference), Pwtc4th September 2016PWTC, KUALA LUMPURDinarDirham brings innovation in blockchain industry and will continue to organize networking events. This event is thebiggest networking opportunity for Malaysia and South East Asia to know about DinarDirham and how we impact FinTechindustry. Our events are a great place to understand deeper about blockchain technology, our worldwide products and futureprojects in FinTech.Keynotes Masterclass Events, DubaiOctober 201615www.dinardirham.com

Forex Expo 2016, Shenzen, China28 October 2016A two day event from October 28th – October 29th. AraiEzzra, Co-Founder DinarDirham shared a 20 minute slidepresentation regarding our product and how it works.DinarDirham also awarded at the event as the “MostInnovative Gold Fintech Provider” of 2016 – it was 1 of 38other awards nominated at the event.Money, Blockchain, London, United KingdomNovember 2016On November 6th - 7th of 2016, theBlockchain: Money Conference was held inLondon, England, just outside of the Bishop’sGate. Among the participants of theconference were Cryptoverse, Bitcoin,Airbitz, Genesis, Augur, Bitfury, Circle, andDinarDirham, to name a few. DinarDirhamwas pleased to have a booth at this event, aswell as to present their innovative productson stage, alongside these companiesDinarDirham presented a presentationentitled “Understanding The Southeast AsiaMarket” by Arai Ezzra, Co-Founder ofDinarDirham.www.dinardirham.com16

Singapore Fintech FestivalNovember 2016Dinar Dirham was pleased to be part of this amazing festival by taking part in the Singapore FinTech Exhibition 2016 fromthe 14th-18th of Nov and displaying our products for giants in the industry. DinarDirham presented a presentation entitled“DinarDirham Fitntech Solution” by Arai Ezzra, Co-Founder and Romeo Ganit, Marketing Director in DinarDirham.The North American Bitcoin ConferenceJanuary 2017DinarDirham presented a presentation entitled“Crypto in Southeast Asia” by Arai Ezzra, Co-Founderof DinarDirham.17www.dinardirham.com

iFX EXPO Asia Bitcoin ConferenceFebruary 2017Keynote World Blockchain ForumMarch 2017www.dinardirham.com18

z For every new 1 DinarCoin purchased by member, an amount of USD201.34 to in MT4 will be sent Liquidity Provider to back the DinarCoin Asset 1:1 value of gold. z 1 Dinar (4.25 gram) which cost 201.34 must bridge the liquidity to Liquidity Provider 100% to Saba Capital