Rubius Review

Despite the rapid development of non-cash payments and banking services, more than 1.5 billion people of our planet continue to work with cash. The share of smartphones is growing at a high rate, but not all have access to the necessary banking resources due to outdated software and cross-border restrictions. The most non-banking region is the Middle East, where only 14% of the population use Internet banking. The world's largest banks refuse to work in this region because of the complexity of compliance with the legislative framework. For example, the business model of the world's largest banks is built on lending with the collection of interest for the use of credit, which violates the Sharia law. The Crypto-currency solution solves all the problems that hinder the widespread development of the banking sector. Convenient access, reliable storage of money, ubiquitous availability and peer-to-peer transactions make it easier to work with finances. The decentralized platform Rubius offers its users all the advantages of cryptocurrency in combination with new level software.

Expansion Plan

We plan to expand internationally by partnering with other companies in the financial services sector, acquiring competitors, and doing extensive marketing. The marketing channels will be focused on traditional press/publications, social media channels (Twitter, Facebook, Reddit), opinion influencers, blockchain and fintech conferences, and word of mouth.

Rubius is currently a startup company but our following and coverage is growing rapidly. We plan to expand our partnerships with payment providers (Apple Pay, Google Pay, PayPal), banks, credit card companies, and other fintech companies around the world. Our team is in the process of establishing relationships with many such companies in North America, the EU, Asia, and Africa.

The financial services sector generates over 13 trillion USD in revenue every year [6]. If Rubius were to take 0.5% of this revenue by offering our decentralized financial services, then we would accumulate over $650 billion annually, which would be shared with coin holders through our quarterly coin buyback.

The development of the Aryl payment app and the Rubiex exchange platform will be completed in late November or early December of this year. Once these platforms go live, we will begin a substantial marketing campaign to immediately garner users, which will allow us to start generating revenue. Cryptocurrency exchanges, even the small ones, earn hundreds of thousands of dollars a day, and the medium-sized exchanges typically bring in millions of dollars every day. Therefore, once our exchange marketplace is active, we will be collecting enough income every day to expand our operations, build up our team, improve our software, and create our future products.

The focus of our management staff will be on rapid yet sustainable growth. This fast-paced expansion will be needed to adhere to our timeline and accomplish our goals. In 2019, we plan for Rubiex to be one of the first cryptocurrency exchanges to transition into a complete broker- dealer, offering equities, ETFs, mutual funds, and forex trading alongside its crypto-trading. In 2020 / 2021, we will begin offering banking services and expand our software products.

The following page displays an illustration of the platform’s potential growth. Please note that all numbers are only projections based on current estimates.

Instant Fiat Conversion

Rubius is making a much-needed feature in its Aryl wallet. This is the first wallet that will give users the ability to protect themselves from volatility. Rubius has called this feature the Volatility Shield.

Anyone can download Aryl and benefit from this amazing feature. Aryl users can activate the Volatility Shield and all incoming cryptocurrency transfers will be instantly converted to fiat or stable coins. This means that all the people who are employed by crypto projects and are paid in ETH or BTC can now peacefully receive their payments. As soon as their payment is deposited into their wallet, Aryl's Volatility Shield will take over. There won't be any need to rush to an exchange with a fast-beating heart, anxious eyes, and sweaty palms, hoping to secure fiat before ETH drops. The volatility shield is the best anxiety pill for people like me!

Aryl solves a real problem from the moment it will launch. While a lot of ICOs are targeting theoretical solutions, it's good to see that Rubius is developing something that will provide immediate benefit to a lot of people.

The cryptocurrency market and community are growing and as digital currencies become more popular, more jobs are likely to participate in crypto-based payments. This is particularly true for jobs that involve freelance work because freelancers work with clients across borders, and cryptocurrencies are very convenient ways providing cross-border pays. This means that Aryl can expect a growing userbase over the years.

Customer Service

Unlike some of our competitors in the market, we will be extremely focused on providing excellent customer service. All of our software applications will be manned by a support team that will be accessible at all times via email or phone.

You will never have to worry about unanswered tickets. We will respond within minutes to address every issue that you have.

Rubiex

Rubiex will be a web-based cryptocurrency exchange which will host hundreds of coins and tokens like bitcoin (BTC), Ethereum (ETH), Ripple (XRP), etc. The focus of Rubiex will be to facilitate trading through our high-quality user interface or our API functionality. Although Rubiex will begin as a crypto-exchange, we plan to later incorporate all types of tradable assets such as stocks, ETFs, mutual funds, fiat currencies, etc.

Merchant Software

We plan to develop software to facilitate trustless merchant services in both physical stores and eCommerce marketplaces. For physical stores, we will attempt to develop decentralized point of-sale (POS) software that can facilitate payments made via Apple Pay, Google Pay, or credit/ debit card. To facilitate payments for physical stores and online marketplaces, we plan to use decentralized applications to develop novel payment gateway software.

ICO Details

We have dedicated 70% of all Rubius coins to our initial coin offering. Our Pre-ICO will begin on July 31st and last for two weeks. The main sale for our ICO will start at 2:00pm EST on August 21st, 2018. The ICO will consist of three phases, spanning across five weeks (or until all tokens have sold). After the end of each phase, the price will increase, so we recommend participants get their RUBYs early.