Topic: [ANN] [ICO] 2GETHER - THE FIRST EUROPEAN CRYPTO CARD - page 3. (Read 1615 times)

Hello! Due to forum rules, we're going to answer in English; apologies for any inconvenience.

The 2GT is currently pending approval by Malta to be recognized as a legitimate VFA. We'll let everyone know once it becomes official!

Absolutely! Feel free to leave any questions you may have after exploring our documents  

We have a shared IBAN for now, and a banking license isn't required to offer an IBAN — you can also use a 3rd party provider. Stay tuned though! We will be able to provide individual IBANs (based on your country of residence) in the near future

The card is a VISA

Hello! The 2GT Token will be issued in the Ethereum mainnet

I’ve been thinking about the tokenization conceptual workflow in the white paper, especially the part highlighting the proof of reserve (independent 3rd party) to verify that there are indeed real assets to backup the tokenization.  I see that the end user can rate these 3rd party verifiers. Beyond user ratings, what other ways do you see to establish trust in the 3rd party?  My question is more conceptual since I can see this answer depending on what is being tokenized.  Could you share a couple examples or further expand out the “egg-token” example in the white paper?

Thank you for the suggestion Treslebres! You are absolutely right. In 2gether, the users are the owners and all of our developments are focused on creating more value for them. Financial suppliers are very relevant, but they will be incorporated in 2gether on rules-based models to satisfy the demands of the community. In this context, incorporating their ratings will be a priority for as long as it is priority information for the community.

In fact, you bringing this up reminds me to mention that this is exactly the type of thing we hope to get from our customer/co-owners. We have some features in development as we speak to incorporate this into our 2GT community section on the app, including voting on 2gether business decisions  - Ramón Ferraz, CEO

Yes, we invite you to ask your questions on this thread. We hope the WP and Tokenomics provides an insightful read!

We got your back! Your data is never shared with 3rd parties without your prior consent. These 3rd parties will be in the E.U. or in the areas that the European Commission has designated with an adequate level of data security.

The only parties with access to your data will be 2gether (for maintenance, development, and analysis of our app) and Treatment Managers. "The relationship of 2gether with Treatment Managers is materialized in a legal document, fulfilling all the requirements demanded by the European and Spanish Data Protection legislation, and are subject to strict confidentiality commitments."

Hello! you asked this question a few times already, and your question is still active on the previous page. Please refer to that post or check out our website www.2gether.global

If you're having issues with posting on this thread, we're very happy to take your questions via email as well — [email protected]

My last question is more a tip.

To access banking services, people are evaluate by their credit score. A person with high potential risks has less access to lendings, credit cards and other services; a person with low potential risks has normal access to banking services; and a person with much money invested in banks and other financial companies are credited with the higher credit scores.

Okay. Some countries have national credit score or credit rating of every person. USA and UK have Credit Reference Agencies such as Call Credit, Equifax, Experian and TransUnion; Brazil has a company called Serasa, which rate people in a range of 0 to 1000.

My point is these ratings are really serious. They aren't like Uber, Ebay or Mercado Livre where people evaluate services and products with 0 to 5 stars and often give and are given the maximum score for the benefit of receiving the same rating, or for kindness etc.

2gether's whitepaper state that "2gether is already working, and will proactively work, on selectively incorporating the first products and create the first value-added functionalities in order to improve the overall everyday banking experience and engagement of its first users."

It continues, and let me say, showing a great respect to its clients:

• More specifically, the user can source financial products:
  Proactively: browsing the marketplace to search for specific products, categorized, and rated based on scorecards built on value for money and user experience variables
  Contextually: receiving personalized offers from suppliers based on the user's potential needs (e.g. liquidity expectations, product expirations, etc.), applicability and scorecard of available products, and rules set by each user regarding the usage and leverage of his data."

When people request a bank service, this bank will have access of our credit score. My question is: even considering (1) 2gether already choose the best products and services suppliers and (2) this kind of data being confidential, wouldn't be a great tool for 2gether's clients to have access of suppliers' credit scores to know if company A or B has high or low potential risks to work with?


If I didn't make myself clear enough, let me exemplify: client X want to hire a life insurance, he has sold his personal data to 2gether and 2 companies presented their products to him. I imagine the only things the app will show are: prices, the agreement, the name of the companies etc. If client X could see not only the scorecard created by users experiences (once more, like Uber, eBay etc.), but companies' financial credit score, he/she would make smarter or, at least, more conscious decisions.

What do you guys think?  

Have another question is OK... Is there a fee to send crypto via my 2gether app to a phone contact that also has a 2gether app? Is this transfer performed on-chain or within 2gether’s internal systems (analogous to moving coins within a CEX)?

CEO used worked at Monitor Deloitte. Coindesk has published an article about you. Not bad. It is just that I have not found how many IOS installs there are? Google play shows 1000+.

Seems interesting, and i am always for more crypto cards because the competition raises the quality bar. I have to take tokenomics and white paper with me tomorrow, so i can study more. I am guessing that you are answering the possible questions in this thread?

I like the idea of getting rewarded for sharing my personal data to receive customized marketing offers that are actually a good fit for me.  Can you elaborate on how my data is shared with a 3rd party making an offer?  For example, is my specific info only shared if I accept an offer?  Does the personal data otherwise reside 100% within 2gether?

Hi, this is a copy-and-paste from our FAQ section, but it's one of the more comprehensive answers available:

Protecting our customers' information and privacy is extremely important to us. 2gether has implemented all the security measures required by the European and Spanish legislation for the level of risk of the personal data processed.

We have a Security Document in which we collect all the technical and organizational measures for the protection of personal data. Likewise, in our Treatment Registry we collect the treatments that are done on personal data of users. We have a Data Protection Delegate with whom you can contact by sending an email to: [email protected]

Regarding your funds:

Your funds are managed by an Electronic Money Institution, which is regulated under directive 2009/110 of the European Commission. EMIs can't invest or lend deposited funds, and must always keep them available for the funds' owners. Only the customer can order outflows or inflows of their capital.

Also... Why do you think that intrinsic value of 2GT responds to the fundamentals of the quantity theory of money? Maybe it is  simply comfortable for you to calculate using this formula?

Nice! It's an amazing tool IMO. Thanks for the reply, now I have a better understanding of the contextual marketplace. More questions coming!

There are a lot of scammers in the financial sector of ICO because they dont need to confirm the existence of the company in real life. It seems to me that your data will be safe thanks to the blockchain, if I'm not mistaken 

One of 2gether's slogans is "Become a customer and owner for just €10 and participate in 2gether’s presale".

In whitepaper, however, we can find the following legal disclosure "The 2GT Token does not entitle a Tokenholder to participate, whether directly or indirectly, in the capital of the Company, to vote or receive dividends, distribution, disbursement or interest payment, or be deemed the holder of capital stock, shares, or similar equity related or other rights (including debt) of any kind whatsoever of the Company for any purpose, nor will anything contained herein be construed to confer on the Tokenholder, as such, any of the rights of an equity or debt holder of the Company [...]" and so on.

"Users will be able to participate in 2gether’s collaborative model and receive real-time 2GT rewards every time they make a transaction within the following areas: contextual marketplace, data permissions, tailored marketing, and new economy solutions (tokenization)".

Members, among other benefits, can decide:
"-   Users will be able to vote on relevant matters related to product, price, etc. (e.g. 2gether’s next product, new card design, etc.)
-   Each user will have one vote"


Question: saying that users can be owners by investing in 2GT but don't giving tokenholder rights wouldn't be misleading advertisement? See, when I'm invited to be minority owner in a company, I want to have participation in the profits, or, if not, at least my vote to be equivalent to the number of shares I have.

I understand and really appreciate 2gether's collaborative model and the areas the app will cover could disrupt the way we think our data and daily banking solutions, but I think it would be clearer to state that the collaborative model implies cashback and rewards only not ownership per se.

Please, show me where I'm not understanding the meaning of the slogan.