The underlying blockchain platform is token-driven, cryptographically-protected and smart contract regulated. Ydentity is a utility token in limited supply. It is a closed source, unique, non-transferable, and non-recyclable token which creates a unique identity for every token holder. Ydentity creates a risk profile that can be voluntarily used for authentication, risk assessment, compatibility and self-protection. The Ydentity™ risk profile token provides a new underwriting instrument for the insurance, investment, and banking markets. It is also designed to simplify the KYC process.DOWNLOAD
Download our app and activate your Ydentity token to become a member of the Ycommunity. This decentralised community is managed by all its members and allows members to interact and make transactions using their unique Ydentity. Anyone with a smartphone and an internet connection can participate in this unique community marketplace.The App is currently available for Android.
Dr Fred Jumelle
Founder and Executive Chairman
Fred has a long record of accomplishment in the fields of medical statistics, cognitive and behavior sciences including research and publication of a transversal study applying the TCI of Cloninger to a non-clinical population as well as clinical experience in addictive behaviors and disorders, and significant business experience.
After several years on the board of a marketing company in the United States, he returned to complete his medical education in France and became a specialist of Addictive Disorders and practiced Medicine in Luxembourg both public and private sectors.Due to his large scope of education and specific interest in the biosocial theory and the result of various Neuroscience discoveries, he decided to start two Research and Development companies in Hong Kong in 2012.
C-Horses Co. Limited dedicated to designing digital interactive kiosks (hardware) in partnership with SNT AG in Austria.
Fred has a Medical Doctorate in medical statistics and a Diploma in Clinical Psychiatry and wrote his thesis on the prevalence of temperaments and personality types in a non-clinical population of medical doctors which led to opening a treatment unit for M.D. suffering of addictive disorders in France.
Nan Yang is a leading technologist who has worked in over 20 countries aligning IT to business strategy and delivering enterprise solutions for major clients in Banking, Insurance, Telco, Healthcare, and Government. Nan was global Insurance CTO at Sun Microsystems and Chief Enterprise Architect for Oracle Great China, developed architecture foundation for Pingan Insurance, HSBC, and Hong Kong Hospital Authority, and served as Technical Authority on core system renewal for major banks and insurers worldwide. Nan works extensively with Hyperledger and GuardTime technologies on enterprise blockchain initiatives for insurance and supply chain finance, and leading several robo advisor initiatives in China.
Elizabeth started her career in London as a journalist. She then spent a decade in southern Africa working as a communications and marketing consultant for NGOs and media outlets before settling in Hong Kong in 2002. In Asia she has worked as a marketing and communications consultant for a range of companies in the finance and insurance sectors, as well as the construction and architectural industries. She currently spends her time between Hong Kong and London and continues to fulfil her role as contributing editor for a number of publications, including Asia Asset Management and The Journal of the Institute of Regulation and Risk, North Asia.
Kenneth Ma is a Director of Moore Stephens Advisory Services Limited. He holds a CFA Charter and a CAIA Charter and is a member of the RICS. He has extensive experience in various types of corporate finance, valuations and financial modeling assignments for derivatives trading, public flotation, financing, joint-venture, merger & acquisition, litigation support/expert witness, etc.
Kenneth has been involved in conducting and reviewing over 400 valuations, with an estimated total valuation of over HKD160 billion. These valuations were performed on different businesses, financial instruments, intangible assets and fixed assets, covering a wide spectrum of industries such as, natural resources (such as coal mines), information technology (such as cryptocurrencies projects), manufacturing, biological assets, financial services, property development projects, shopping malls etc.
Advisory Board Chairman
David has over 30 years experience in the insurance industry and has combined insurance, information technology and disaster risk management into a lifelong career. He is a member of the Chartered Insurance Institute and a Chartered Practitioner of the British Computer Society. He is the Asia Pacific Ambassador for the International Insurance Society in New York.
He started his underwriting career at Lloyds of London and worked in the insurance industry in North America and Europe for 10 years before joining the United Nations as a risk management consultant. At the United Nations he was involved in a variety of missions covering many countries on all continents. Some of the work involved reinsurance reporting, microfinance, natural disaster risk management, earth sciences and management information analytics.
Settling in Asia Pacific region permanently Mr. Piesse worked in the Chinese insurance industry for several years before taking the position of Global Head of Sun Microsystems based in Hong Kong. In this role he created the blueprint for the insurance company of the future and headed up both the microfinance program and the Islamic finance program. In 2009 he took over the roles of Chairman of Asia Pacific for Unirisx LLC and in parallel the role of Global Head of Microinsurance making the Unirisx platform mission to be a standard for microinsurance. He is currently the Head of Asia Pacific for Ultimate Risk Solutions specializing in risk based capital solvency modelling for the insurance industry and also a Member of the Advisory Board for Guardtime providing cloud computing security. He currently covers all regions of Asia in his current capacities.
Kim has worked in international investigations and intelligence gathering for over 30 years. The majority of this experience focused on financial crime, with more than 20 years' attained in Hong Kong. Kim's most recent position was as Head of Financial Crimes APAC at Citibank's Corporate and Investment Bank where he also led the global rollout of a new data analytics capability related to Anti-Money Laundering and Counter Terrorist Financing (AML/CFT). In the Corporate Bank, Kim was responsible for all regional client vetting and intelligence gathering activities and for the coordination of these initiatives with all other regions. He is a subject matter expert in AML/CFT and Fraud.
Kim began his career as a Special Agent in the FBI where he became an expert on organized crime and financial crime working out of the FBI's New York City office. Kim subsequently joined the Chase Manhattan Bank and had senior assignments in New York, London, Germany, and Hong Kong where he served as the regional APAC CFO. After Chase, he began his consulting career, including senior positions at JFK Consulting in France, Hill & Associates (principal), LECG, Control Risks Group and Kinetic Partners.
Kim is a licensed CPA (inactive) in New York and California, a Certified Fraud Examiner (ACFE), and President and Director of the ACFE Hong Kong Chapter. He is a graduate of Hobart College in New York and has his MBA from Rutgers University in New Jersey. Kim is also a French and German speaker.
Seymour Matthews is an experienced insurance and reinsurance technician with over 30 years in the Lloyds’ market. He specialises in International non-marine “bulk “ business usually involving accident and casualty classes including medical and credit. In the last 10 years he has been closely involved with developing new and innovative products in and around the insurance industry. Seymour is currently Chairman of Ed Reinsurance brokers - part of the Lloyd’s market in London.
Michael was appointed an Advisor of Bright Nation on 23 March 2018.
Michael currently serves as the Head of the Analytics of TigerRisk China Partners Limited. His expertise includes economic capital modeling and assessment (including risk-based capital solvency regimes), commercial and treaty pricing, reinsurance structuring, reinsurance modeling, reserve valuation and appraisal valuation for insurance mergers & acquisitions.
Prior to joining TigerRisk, Michael worked at a large Lloyd's syndicate in London as a capital modeling actuary where he was involving in their Solvency II capital assessment. Michael also worked as a consulting actuary at Towers Watson where he provided leadership on consulting projects and developed services in the areas of capital modeling and enterprise risk management for P&C companies across Asia. His clients included government organizations and private sector re/insurers.
Before joining Towers Watson, Michael was the Head of Analytics at Willis Re in Hong Kong, where he led a team of actuaries to provide reinsurance advice to clients in China and Hong Kong. He was also a managing director at Ultimate Risk Solutions in Asia Pacific where he was responsible for technical sales and support to clients. He started his insurance career at Tillinghast-Towers Perrin, which is now part of Willis Towers Watson.
Michael holds a Master of Engineering (Honour) degree from Christ Church, University of Oxford in England. He is a Fellow of the Institute & Faculty of Actuaries in the United Kingdom, Fellow of the Singapore Actuarial Society, Fellow of the Malaysian Actuarial Society, and Fellow of the Hong Kong Actuarial Society.
He sits on several insurance-related, actuarial, regulatory and professional committees including:
Dr. Tom Ludescher
Dr. Tom Ludescher is an experienced insurance CEO and InsurTech expert, with an extensive background in the strategy and management functions of insurance and technology companies across the globe. He holds a doctorate in insurance regulations from the University of St. Gallen HSG and has been visiting lecturer at HSG in Switzerland and Singapore for the past 15 years, with a special focus on Islamic insurance (takaful). Tom is based in Singapore, where he is Chairman of the Swiss Chamber of Commerce and Industry, Vice President of the European Chamber of Commerce as well as director or advisor to various FinTech and InsurTech startups across Asia, Europe, Australia and the US.
The level of trust between people or between you and companies has never been so lacking. The web has never been so full of threats, scams and frauds. Your identity and your personal data have never been more valuable, We have invented Ydentity as solution to empower and protect you while you continue browsing the web without exposing any details of your true identity.
With Ydentity, you will benefit from an incredible new tool, a new identity constructed around a scientific assessment of your risk habits. It will make you aware of yourself and aware of others characteristics. You will be in total control of your data and can decide to trigger a payment at the exact moment you want to acquire a product or service based on your anonymous search. We have no knowledge or control over anything you do with your Ydentity after you have activated your token. There is no way any company website you may visit can identify you from your Ydentity and track your real self. These are our promises.
The Ycommunity is a decentralized peer-to-peer organisation managed by its members. Members are expected to be compliant with the rules of the Ycommunity and are incentivized to introduce compliant companies and partners who are willing to accept Ydentity as a valid ID. The most active members of the Ycommunity will become recognized as experts and receive additional bonuses.
Selected experts will
become eligible to take on the role of Watchdog and review the actions and activities that take place within the Ycommunity and report cases of misconduct to our Ombudsman where necessary. The Watchdog will receive additional bonuses for their efforts.
Members, Experts and Watchdogs who introduce new members, compliant partners and businesses will receive one YDY bonus token for every 100 new members who become a full member of the Ycommunity.
A Ycommunity Experts and Watchdogs will receive 100 YDY bonus tokens per month. Watchdogs will receive an additional 100 YDY bonus tokens for reporting cases of misconduct which are found by the Ombudsman to be non-compliant with the Ycommunity's Code of Ethics.
NB. There will be no more than 1000 Experts and 50 Watchdogs worldwide.
Ydentity™ is new generation of digital identity that is delivered in the form of a risk-identity token running on a permissionned blockchain.
A risk-identity is a unique proposition to utilize your risk level assessment to create your new digital identity.
Your risk assessment is achieved by downloading the Ydentity mobile application and completing a survey of thirty (30) questions.
Your new identity, or Ydentity, is a coded version of your survey result and takes the form of a private key. This key is unique and becomes your identifier.
Ydentity™ is the first token using the findings of Cognitive Neuroscience.
Cognitive Neuroscience is a field of medical research that is focused on the human brain functionning and started playing a significant role in Medicine and Clinical Psychology in the 1980s with the development of brain imaging such as Magnetic Resonance Imaging (MRI).
Cognitive Neuroscience research findings are in favor of a uniqueness of features in each person’s brain that is DNA coded. It is also in favor of a unique balance of brain chemicals from a set of chemicals that are shared by the entire human species. Dopamine, Serotonin, Endocannabinoids are the most effective transmitters.
Blockchain technology is a technology that allows these unique features of a person’s brain to be used as a unique identifier of a person and be distributed to form a decentralized organisation of members.
The following Terms and Conditions ("Terms") govern your ("you" or the "Purchaser") purchase of cryptographic tokens ("YDENTITY Tokens") from Bright Nation Limited (the "Company"), a company incorporated in Hong Kong. Any words, phrases, sentences or paragraphs herein that are in BLOCK CAPITALS are for emphasis and your special attention only and do not have any different legal implications from anything in lower case.
Each of you/the Purchaser and the Company is a "Party" and collectively the "Parties" to the Terms set out herein. This document is not a solicitation for investment and does not constitute in any way to an offering of securities in any jurisdiction. This document sets out the Terms on which YDENTITY Tokens are offered for sale.
IF YOU DO NOT AGREE TO THESE TERMS, DO NOT PURCHASE YDENTITY TOKENS FROM THE COMPANY. BY PURCHASING YDENTITY TOKENS FROM THE COMPANY, YOU WILL BE BOUND BY THESE TERMS AND ANY TERMS INCORPORATED BY REFERENCE. IF YOU HAVE ANY QUESTIONS REGARDING THESE TERMS, PLEASE CONTACT THE COMPANY AT email@example.com
By purchasing YDENTITY Tokens, and to the maximum extent permitted by law, you hereby agree not to hold the Company and its respective past, present and future employees, officers, directors, contractors, consultants, equity holders, suppliers, vendors, service providers, parent companies, subsidiaries, affiliates, agents, representatives, predecessors, successors and assigns (the "BNL Team") liable for any losses or any special, punitive, direct or indirect, incidental, or consequential damages arising from, out of or in connection with the sale of YDENTITY Tokens, including losses associated with the terms set forth below.
YDENTITY TOKENS ARE NOT OPEN FOR PURCHASE TO ANY RESIDENTS/TAX RESIDENTS/CITIZENS OF THE FOLLOWING COUNTRIES/TERRITORIES:
PEOPLE’S REPUBLIC OF CHINA
THE HONG SPECIAL ADMINISTRATIVE REGION OF THE PEOPLE’S REPUBLIC OF CHINA
THE MACAU ADMINISTRATIVE REGION OF THE PEOPLE’S REPUBLIC OF CHINA
THE UNITED STATES OF AMERICA AND ALL DEPENDENT TERRITORIES
REPUBLIC OF TAIWAN
REPUBLIC OF SOUTH KOREA
THE COMPANY’S KYC AND PURCHASING PROCESSES ARE DESIGNED TO THE MAXIMUM EXTENT POSSIBLE TO PRECLUDE SALES OF YDENTITY TOKENS TO PURCHASERS FALLING INTO ANY OF THE ABOVE CLASS OF PERSONS AND ANY PURPORTED SALES TO SUCH PERSONS WHICH TAKE PLACE DUE TO ANY MISREPRESENTATION AS TO NATIONALITY OR RESIDENCY STATUS OF SUCH PERSON SHALL BE VOID AND IMMEDIATELY RESCINDED.
DO NOT PURCHASE YDENTITY TOKENS IF YOU ARE NOT AN EXPERT IN DEALING WITH CRYPTOGRAPHIC TOKENS AND BLOCKCHAIN-BASED SOFTWARE SYSTEMS. PRIOR TO PURCHASING YDENTITY TOKENS, YOU SHOULD CAREFULLY CONSIDER THE TERMS LISTED BELOW AND, TO THE EXTENT NECESSARY, CONSULT AN APPROPRIATE LAWYER, ACCOUNTANT, OR TAX PROFESSIONAL. IF ANY OF THE FOLLOWING TERMS ARE UNACCEPTABLE TO YOU, YOU SHOULD NOT PURCHASE YDENTITY TOKENS. PURCHASES OF YDENTITY TOKENS SHOULD BE UNDERTAKEN ONLY BY INDIVIDUALS, ENTITIES, OR COMPANIES THAT HAVE SIGNIFICANT EXPERIENCE WITH, AND UNDERSTANDING OF, THE USAGE AND INTRICACIES OF CRYPTOGRAPHIC TOKENS, INCLUDING BITCOINS, ETHEREUM TOKENS, AND BLOCKCHAIN BASED SOFTWARE SYSTEMS. PURCHASERS SHOULD HAVE A FUNCTIONAL UNDERSTANDING OF STORAGE AND TRANSMISSION MECHANISMS ASSOCIATED WITH OTHER CRYPTOGRAPHIC TOKENS. WHILE THE COMPANY WILL BE AVAILABLE TO ASSIST PURCHASERS OF YDENTITY TOKENS DURING THE SALE, THE COMPANY WILL NOT BE RESPONSIBLE IN ANY WAY FOR LOSS OF BTC, ETH OR YDENTITY TOKENS RESULTING FROM ACTIONS TAKEN BY, OR OMITTED BY PURCHASERS. IF YOU DO NOT HAVE SUCH EXPERIENCE OR EXPERTISE, THEN YOU SHOULD NOT PURCHASE YDENTITY TOKENS OR PARTICIPATE IN THE SALE OF YDENTITY TOKENS. YOUR PARTICIPATION IN YDENTITY TOKENS SALE IS DEEMED TO BE YOUR UNDERTAKING THAT YOU SATISFY THE REQUIREMENTS MENTIONED IN THIS PARAGRAPH.
ANY PURCHASE OF YDNTITY TOKENS ARE MADE ON THE TERMS SET OUT BELOW:
You can buy the tokens during our ICO which starts on May 7th 2018 with a pre-sale offering a 35% discount.
An Airdrop of a limited edition of free tokens will take place from May 1st.
Your Ydentity™ will become tradable and useable at the end of Ydentity ICO core sale, on January 14th 2019.
The Ycommunity will offer Ydentity active members to connect using an internal messaging system.
Expert-members will be able to bring community-compliant companies into the community and watchdog-members will be selected to ensure and oversee compliance with the community ethics.
Ydentity provides a secured, agnostic and encrypted ID that protects the identity of the token holder during web navigation. It will allow anonymous discovery of other persons, products and services. These features are in high demand in the social media and dating industries.
Ydentity provides a risk level assessment that reflects the unique brain features of each person. This feature is in high demand for the insurance, investment and banking industries.
You can use bitcoin (BTC) and Ethereum (ETH) to purchase Ydentity (YDY) tokens.
The Ydentity ICO will span four phases:
1st May – 7th May 2018 from 08:00 GMT
10 million Ydentity™ tokens are available for free.
First round of presale
7th May 9:00 GMT – 21st May 2018
60 million Ydentity™ tokens will be sold at a 35% discount
Second round of presale
10th September – 24th September 2018
80 million Ydentity™ tokens will be sold at a 25% discount
Initial Coin Offering
3rd December – 14th January 2019
200 million Ydentity™ tokens will be sold at decreasing discounts
Two first weeks at 20% discount
Third week at 15% discount
10% discount until the cap of USD 50 million is reached
The proceeds will ensure that there is enough liquidity and material to achieve our growth targets.
Purchasers in the YDENTITY Tokens token sale will be allocated their YDENTITY Tokens in exchange for BTC or ETH at the following rate:
· during the Airdrop 10,000,000 YDENTITY Tokens token at no cost;
· during Pre-sale 1: 60,000,000 YDENTITY Tokens: US$ 0.1625 per token;
· during Pre-sale 2: 80,000,000 YDENTITY Tokens: US$ 0.1875 per token;
· during the ICO Core Sale 200,000,000 YDENTITY Tokens:
o US$ 0.2 per token for the first two weeks;
o US$ 0.2125 per token for the third week;
o US$ 0.225 per token until the sale cap 0f US$ 50 million is reached.
The US Dollars to BTC or ETH exchange rate is used to dynamically set the BTC or ETH to YDENTITY Tokensrate.As a result, for the duration of the YDENTITY Tokens sale, the price to purchase the YDENTITY Tokens will be set as an amount in BTC and ETH.
Purchaser must have a BTC or Ethereum wallet that supports the ERC-20 token standard in order to receive any YDENTITY Tokens purchased from the Company.
Ydentity™ keeps your private key offline, it belongs to you and is unique to you. Only a single identifier or hash will run in our permissionned blockchain which uses a defense-grade protection called Keyless Signature Infrastructure. This KSI is provided by GuardTime and provides a privacy shield.
Yes KSI was designed to resist Quantum attacks.
No one can track your Ydentity since it is only a hash of your private key unless you decide to disclose additional information to third parties by yourself.
Ydentity does contain a very limited number of personal information and data such as your phone number and email address for signing up. This information is only manageable by yourself which makes Ydentity compliant to GDPR, Privacy Shield and Australia Privacy Act requirements.
Ydentity™ can be used for general browsing on the internet and networking within the Ycommunity.
The Ycommunity is the association of all Ydentity members committed to consensus and regulated by must-agreed rules and a strict code of ethics. The Ycommunity will open at the end of the ICO core sale when Ydentity tokens become tradable.
You need to buy a Ydentity token, download the Ydentity mobile App and sign up to complete the survey that will generate your new Ydentity.
Ydentity.org is committed to ensuring that your privacy is protected. Should we ask you to provide certain information by which you can be identified when using this website, you can be assured that it will only be used in accordance with this privacy statement.
Ydentity.org may change this policy from time to time by updating this page. You should check this page from time to time to ensure that you are happy with any changes.
This policy is effective from March 31st 2018.
We may collect the following information:
We require this information to understand your needs and provide you with a better service, and in particular for the following reasons:
We are committed to ensuring that your information is secure. In order to prevent unauthorised access or disclosure, we have put in place suitable physical, electronic and managerial procedures to safeguard and secure the information we collect online.
A cookie is a small file which asks permission to be placed on your computer's hard drive. Once you agree, the file is added and the cookie helps analyse web traffic or lets you know when you visit a particular site. Cookies allow web applications to respond to you as an individual. The web application can tailor its operations to your needs, likes and dislikes by gathering and remembering information about your preferences.
We use traffic log cookies to identify which pages are being used. This helps us analyse data about webpage traffic and improve our website in order to tailor it to customer needs. We only use this information for statistical analysis purposes and then the data is removed from the system.
Overall, cookies help us provide you with a better website by enabling us to monitor which pages you find useful and which you do not. A cookie in no way gives us access to your computer or any information about you, other than the data you choose to share with us.
You can choose to accept or decline cookies. Most web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. This may prevent you from taking full advantage of the website.
Our website may contain links to partner and technology supplier websites. However, once you have used these links to leave our site, you should note that we do not have any control over these other websites. Therefore, we cannot be responsible for the protection and privacy of any information which you provide whilst visiting such sites and such sites are not governed by this privacy statement. You should exercise caution and look at the privacy statement applicable to the websites in question.
You may choose to restrict the collection or use of your personal information in the following ways:
We will not sell, distribute or lease your personal information to third parties unless we have your permission or are required by law to do so. We will not use your personal information to send you any promotional information about third parties.
You may request details of personal information which we hold about you under applicable legislation. A small fee will be payable. If you would like a copy of the information held on you please email to firstname.lastname@example.org.
If you believe that any information we are holding on you is incorrect or incomplete, please email us as soon as possible at the above address. We will promptly correct any information found to be incorrect.
Copyright © 2018 Bright Nation Limited. All rights reserved.
YDENTITY™ AND YCOMMUNITY™ ARE REGISTERED TRADEMARKS.
All trademarks and copyrights belong to their respective owners.