Value Proposition of Koinbay

The value propositions imply the areas within which Koinbay brings its primary focus on, to bring new developments in, to differentiate it from other exchanges while ensuring the innovative elements for the exchange planned are centered around sustaining the exchange within core competency areas specific to Koinbay - which will serve to operate in mutual and cooperative existence with other players in the industry for the goal of bringing cryptocurrency to the masses.

The areas of differentiated value to users which Koinbay strives to focus developments on are:

1. Localised user experience:

• User Interfaces on both web and mobile are available in multiple languages

• Multilingual and responsive customer support

2. Interactivity of virtual assets for real-world services:

• Utility of user's virtual assets for transacting to buy real-world services like gift cards, mobile topup, wallet top up, travel services, and so on.

3. Simplified usage

• A user interface to be simple to understand for the users to navigate and transact, with only essential tools given upfront, advanced tools which can be navigated closely after, while guides are shown on the services panel

• The exchange's roadmap has release of features being developed which are evenly spread between each other, to ensure the user gets time to be familiarized with a feature, where it fits within the pre-existing set of features and then. With a release cycle of features evenly spread out in time to be released in sufficient time period between them, it ensures the existing users absorb the purpose and method of using the service without being overwhelmed to get accustomed with multiple

4. Compatibility with decentralized assets:

While most features of the exchange would interact (debit and credit) with the user's centralized wallet inside the exchange, some features of the exchange (majorly enabled by third parties) will have the compatibility of operating the financial services through user's decentralized wallets.

5. Localized payment methods

To ensure the users have a comfortable and familiar method of transaction when buying and selling crypto - through availability of multiple payment methods for both purchase and sales.

Going further, Koinbay brings multiple gateways, each of which host their diverse payment methods available.

6. Bringing the financial services within the crypto realm; such as:

• fixed tenure deposits (staking)

• flexible tenure deposits (savings)

• loans

• bank transfer

• ..and much more on the roadmap to come