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Created page with "{{#seo: |title= Vernam – ICO, Token, Cryptocurrency – zaoniaoWiki |keywords= Vernam, Vernam ICO, Vernam wiki |description=The worlds first 0% commission insurance on the b..."

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{{#seo:
|title= Vernam – ICO, Token, Cryptocurrency – zaoniaoWiki
|keywords= Vernam, Vernam ICO, Vernam wiki
|description=The worlds first 0% commission insurance on the blockchain
}}

{{ICO Sample
|header1=Vernam ICO
|caption=Vernam ICO Review
|image=[[File:Vernam.jpg|Vernam logo]]
|token_name=
|ticker =VRN
|icoStart=2018-08-20 12:00:00
|icoEnd=2018-09-20 00:00:00
|price=1 VRN = 0.085 USD
|bonus=1|tokens=500,000,000 VRN
|tokentype=ERC20
|hardcap=500,000,000 VRN
|softcap=40,000,000 VRN
|platform=Ethereum
|distributed=50%
|minimum=0.1 ETH
|accepting=ETH, BTC, Fiat
|country=Bulgaria
|notification=
|registration=kyc and whitelist
|restrictions=Array
|Country=Bulgaria
}}

The world's first 0% commission insurance on the blockchain. Their goal is to revolutionize the insurance industry! They are probably the first company in the world ready to implement a high-end technological solution which will dramatically lower the cost of insurance services while making the business way more efficient and friendly for all parties-from End Clients to major Insurance Companies!

Vernam utilizes blockchain technology to provide:
1. Competitive online marketplace for conventional insurance products by the biggest insurance companies
2. Generous compensation - up to 30% of the policy premium in Vernam tokens (VRN) is returned to clients
3. “CryptoSafe” - a smart contract, guaranteeing that when a defined set of events occur, the client will be compensated with a certain amount of Vernam Tokens (VRN). The newest and most innovative blockchain based insurance product that Vernam will introduce.
==Description==
Their goal is nothing less, but to revolutionize the insurance industry! They are the first company in the world ready to implement a high-end technological solution which will dramatically lower the cost of insurance services while making the business way more efficient and friendly for all parties-from End Clients to major Insurance Companies! For this purpose we developed Vernam! A decentralized platform, based on blockchain technology, connecting various stakeholders in the insurance industry – customers, brokers, and insurance companies, which will use blockchain technology to make the insurance process less costly, fully transparent and much more convenient. An unexpected reality? Insurance is one of the largest global industries ($ 4.73 trillion in 2016), but its business model has not changed significantly over the last several centuries, while its technologies have long become outdated. That is why our plan is to make the next evolutionary step and digitalize the industry. The status quo today: Big insurance companies depend on brokers to bring their products to end customers. In exchange, brokers receive generous compensation up to 30% of the policy premium – for performing relatively low value-added services.  Imagine if End Clients don’t need to cover the broker’s commission and instead they receive his reward straight into their pocket? Vernam is about to make this possible. Their Solution: The use of a shared ledger will prevent any possibility for data manipulation, increasing transparency and minimizing transaction costs. Besides the engine, a proprietary off-chain marketplace will use the Vernam token (VRN), an Ethereum-based ERC20 standard crypto token to take full advantage of the platform functionality. Here’s how: Clients, purchasing conventional insurance through the Vernam platform will receive a reward in VRN tokens, equal to a typical broker’s commission (up to 30% of the premium price). Tokens can be sold on an exchange or used for the purchase of conventional and crypto insurance products. And there is even more! “CryptoSafe”, a crypto product, only available through the  Vernam platform. Each platform user will be able to purchase the “CryptoSafe”, which is a type of a smart contract, guaranteeing that when a defined set of events occurs, the client will be compensated with a certain amount of VRN. An intelligent way to create even safer environment. Would you like to participate in the future of insurance NOW? In total 1 billion Vernam tokens will be created and 50% will be sold at the token sale event. The proceeds will be used to develop the blockchain platform and to implement the platform on key markets, depending on size of the funds raised. They unite the best of both worlds. Vernam platform users will be able to make conventional insurance through our own network of brokers, including Vernam company itself, and/or to purchase “CryptoSafe”, the newest and most innovative blockchain based insurance product that Vernam will introduce.

==Roadmap==

<table style="margin:auto; border-collapse:collapse; background-color:transparent; border-style:none;"><tr><td style="width:30px; vertical-align:top; padding-right:10px;">“</td><td>2017: Founders joined efforts to change the insurance industry and started building the Vernam concept. January, 2018: Concept was validated by experienced InsurTech executives, who later joined the team. February, 2018: Angel investment received, start of platform development. March, 2018: Start of the preparation for a token sale. Q3, 2018: Listed on an exchange. Q4, 2018: Vernam platform MVP launch and testing. Q1, 2019: Vernam broker starting operation in several markets. Q2, 2019: First CryptoSafe smart contracts signed. Vernam mobile app launch. Q3, 2018: Development of additional smart contract insurance products. 2020: Operating on 8+ key European markets.<ref>[https://www.vernam.com https://www.vernam.com]</ref></td><td style="width:30px; vertical-align:bottom; padding-left:10px;">”</td></tr></table>
==Team==

{| class="wikitable sortable"
|-
! name: !! title: !! links:!! group: !! photo: !! iss:
|-
| PhD Student, MBA Roman Angelov || CEO, Co-founder || https://www.linkedin.com/in/romanangelov/ || || [[File:2513-27095.jpg|PhD Student, MBA Roman Angelov photo]]||4.1
|-
| Ivan || Co-founder || https://www.linkedin.com/in/ivan-georgiev-8ba76239/ || || [[File:2513-27097.jpg|Ivan photo]]||4.1
|-
| PhD Student, || Co-founder || https://www.linkedin.com/in/dimitar-mitrev-60b4099/ || || [[File:2513-27098.jpg|PhD Student, photo]]||4.1
|-
| HBS MBA, Borislav Stefanov || Business Developer || https://www.linkedin.com/in/borislav || || [[File:2513-27100.jpg|HBS MBA, Borislav Stefanov photo]]||4.1
|-
| Vesselin || Financial Expert || https://www.linkedin.com/in/vesselinzahariev/ || || [[File:2513-27102.jpg|Vesselin photo]]||4.1
|-
| PhD, Prof. Zhelyo Hristozov || Insurance Director || https://www.linkedin.com/in/zhelyo-hristozov-417b56140/ || || [[File:2513-27105.jpg|PhD, Prof. Zhelyo Hristozov photo]]||4.1
|-
| René || German Operations || || || [[File:2513-27107.jpg|René photo]]||4.1
|-
| George || General Legal Counsel || https://www.linkedin.com/in/georgi-matev-41803411/ || || [[File:2513-27109.jpg|George photo]]||4.1
|-
| Nadya || CMO || https://www.linkedin.com/in/nadya-kaloyanova-12b489bb/ || || [[File:2513-27111.jpg|Nadya photo]]||4.1
|-
| Venimir || Blockchain & Crypto Expert and Developer || https://www.linkedin.com/in/venimir-petkov-53120597/ || || [[File:2513-27113.jpg|Venimir photo]]||4.1
|-
| Sevgin || Blockchain & Crypto Expert and Developer || https://www.linkedin.com/in/sevgin-mustafov-712bbbb9/ || || [[File:2513-27114.jpg|Sevgin photo]]||4.1
|-
| George || Blockchain & Crypto Expert and Developer || https://www.linkedin.com/in/george-spasov/ || || [[File:2513-27115.jpg|George photo]]||4.1
|-
| Branimir Minkov || CTO || https://www.linkedin.com/in/branimir-minkov-b0a16545/ || || [[File:2513-40270.jpg|Branimir Minkov photo]]||4.1
|-
| PhD, Prof. || Strategic Planning || https://www.linkedin.com/in/angel-doraliyski-405173138/ || || [[File:2513-40287.jpg|PhD, Prof. photo]]||4.1
|-
| Milen || Blockchain developer || https://www.linkedin.com/in/milenradkov/ || || [[File:2513-40292.jpg|Milen photo]]||4.1
|-
| Boris || Insurance Expert || https://www.linkedin.com/in/boris-cuchran-14a898b/ || Advisors || [[File:2513-27104.jpg|Boris photo]]||4.1
|-
| Alexander || Financial Expert || || Advisors || [[File:2513-27110.jpg|Alexander photo]]||4.1
|-
| Ivan || Marketing Advisor || https://www.linkedin.com/in/ivanmanchev/ || Advisors || [[File:2513-27112.jpg|Ivan photo]]||4.1
|-
| Nick || Blockchain & Crypto Expert || https://www.linkedin.com/in/nicktodorov/ || Advisors || [[File:2513-27116.jpg|Nick photo]]||4.1
|-
| Nathan Christian || Advisor || https://www.linkedin.com/in/nathan-christian-90365414a/ || Advisors || [[File:2513-27117.jpg|Nathan Christian photo]]||75
|-
| Jason Hung || Advisor || https://www.linkedin.com/in/jasonhung-earth/ || Advisors || [[File:1813-19329.jpg|Jason Hung photo]]||143.2
|-
| Simon Cocking || Advisor || https://www.linkedin.com/in/simon-cocking-20540135/ || Advisors || [[File:2334-44983.jpg|Simon Cocking photo]]||230
|-
| Theodor || Advisor || https://www.linkedin.com/in/dr-ing-inf-theodor-tamvakidis-208ab0/ || Advisors || [[File:2513-27120.jpg|Theodor photo]]||4.1
|-
| Borislav Iliev || Advisor || https://www.linkedin.com/in/borislav85/ || Advisors || [[File:2513-30748.jpg|Borislav Iliev photo]]||4.1
|}
==External links==
[https://twitter.com/vernamofficial Vernam on Twitter] [https://t.me/vernam Vernam on Telegram] [https://www.facebook.com/vernamofficial/ Vernam on Facebook] [https://medium.com/@vernam.official/ Vernam on Medium] [https://bitcointalk.org/index.php?topic=3092577.msg31914847#msg31914847 Vernam on Bitcointalk] [https://github.com/Vernam-ICO Vernam on Github] [https://www.reddit.com/r/VernamICO/ Vernam on Reddit] [https://www.youtube.com/embed/2wrRbVtgJLk Vernam on Youtube] [https://www.vernam.com Vernam Official Website] [https://bitcointalk.org/index.php?topic=3092582 Vernam Bounty] [https://www.vernam.com/assets/uploads/Whitepaper_Beta_v015.pdf Vernam Whitepaper]
==Sources==
<references />[[Category:Companies]] [[Category: Token]] [[Category: ICO]][[Category: Established in 2018]]
==See Also on BitcoinWiki==
* [[Eligma]]
* [[Paymon]]
* [[Exchange Localtrade.pro]]
* [[ICasting.io]]
* [[MiBoodle]]

Vernam - Revision history

Admin: Created page with "{{#seo: |title= Vernam – ICO, Token, Cryptocurrency – zaoniaoWiki |keywords= Vernam, Vernam ICO, Vernam wiki |description=The worlds first 0% commission insurance on the b..."