The mission of UBW is to create a digital currency. This currency will be backed
by a real value thus avoiding the usual volatility of other virtual currencies
or crypto coins. UBW intend to be approved by governments Worldwide and to
adhere to all current and future regulatory requirements.
Vision
Our Vision is to be among the top 10 used currencies in the world and to be
positioned just behind these major currencies including the USD and to make it
the preferred currency for all businesses and especially in countries where the
local currency is very volatile and inflation is high.
We will target the African continent through our contacts at the highest governmental level in multiple African Countries. We will also create a global currency cooperation between countries as has been done with the EURO.
Digital CurrenciesWe will target the African continent through our contacts at the highest governmental level in multiple African Countries. We will also create a global currency cooperation between countries as has been done with the EURO.
·
Of the 400 or so digital currencies in
existence, Bitcoin is the best known and most mainstream and in excess of
100,000 businesses worldwide now accept Bitcoin.
·
Advocates of virtual currencies say that
they reduce transaction fees and create a level playing field for people who do
not have access to normal bank accounts. “Anybody who has a connected device,
anybody who has a mobile phone, has a bank in their pocket,” says Barry
Silbert, chief executive officer of Second Market and founder of the Bitcoin
Investment Trust. For similar reasons, many people think digital currencies
have enormous potential as investments.
·
According to Mark T. Williams, as of 2014, Bitcoin has volatility seven times greater
than gold, eight times greater than the S&P 500 and eighteen times
greater than the U.S. dollar.[151]
UBW Coins
Adigital
currency with a real value and a limited amount of coins to be released.
The UBW Coin will, from January 1st 2017, be a valid currency where you can
buy any products and services for sale or rent, see UBW market. It will also,
from December 1st 2016, be possible to trade this currency on a closed platform
for free between the users of U-B-W.com
As with any digital currency we operate a comprehensive security programme
and strategy to prevent unauthorized manipulation of the UBW Coin market. Our
programmers and developers that have built the UBW Coin platform are banking
industry veterans with a strong knowledge of security and encryption. We
guarantee that the UBW Coin platform is clean, robust and, most importantly,
accurate.
UBW coins
cannot be purchased
The only way of getting these coins is as bonuses given by the company for
different activities or, alternatively, you can reserve a smaller amount
through a specific UBW Coin Options Package. (Read more under packages) There
are also several limitations to acquiring UBW coins. This ensures that the
market is not flooded causing the price to decrease. It is also prevents a
single person or company from holding a large enough amount of coins so as to
have an effect on the value of the coin. These limitations are explained under
the links packages and bonuses.
The UBW Coin will, from January 1st 2017, be a valid currency where you can buy any products and services for sale or rent, see UBW market. It will also, from December 1st 2016, be possible to trade this currency on a closed platform for free between the users of U-B-W.com
It is planned to make the UBW coin available publicly on May 1st 2017.
Value per UBW Coin.
To make it as informative and motivating as possible, you will see a live
update in the value of the UBW Coin in your account. The UBW Coin will increase
by €0,0002 for every new user who registers on U-B-W.com. This increase in
value will change as the number of registered users increases to maintain a
realistic coin value. This is to ensure that the value of the coin is the same
no matter what package or how many optional packages a user buys; it is only
increased once at registration for every new user.
With the agreements the Top Leader and Leaders have, the number of users
will increase at a tremendous speed and the value will increase in the same
matter, making it possibly the highest valued Virtual Coin within as short
period as 6 to 9 months.
From the date when we open for trading of the UBW coin (December 1st 2016),
it will be the market that will decide the price. If the offer is higher than
the demand, the price will decrease, and if the demand is higher than the offer
the price will increase. UBW have a very unique reward system, which includes
every registered user who registers before the UBW coin will be available
publicly on May 1st 2017. Through this reward system there will always be a
huge demand of the coins on top of the demand created through use of the coin
for purchase of products and services. Read more about this constant demand
under “Ultimate Bonus System” further down in this document.
It will not be necessary to change or trade any coins to buy any products
on UBW Market, as it is priced in UBW Coins, so the only reason to sell your
coins is if you want to transfer to another currency to your local bank
account.
Regulations
Many governments are already talking
about regulating all Virtual Coins and Crypto coins to the same level as normal
currencies. With this in place we will see that most Virtual Coins and Crypto
coins will disappear.
The UBW Coin is set up from day one to
accommodate all these regulations and therefore it will automatically be one of
the few remaining coins in the market.
Crypto coins and mining
The UBW Coin is not a Crypto coin and it is not mined. The reason for this
is that we are set up to be a regulated bank that fully meets all future
financial rules and obligations. It would be the same as mining the USD.
And since the UBW coin will be an open public coin where the governments
will be given access to history of transactions if there is any suspicion of
illegal activities, off course by providing the right paperwork and needed
documentation as needed in any banks world wide. So the only encrypting being
done is in the banking software and for the security of the transactions.
About Us
UBW is based in Tallinn, Estonia. It was set up in August 2015 and
currently employs 27 staff plus the management. It is well funded and backed by
large investors.
We are a team of highly successful and professional businessmen. We take
joy in helping entrepreneurs reach their goals and dreams in the form of
concept development, funding and operations. You can read more about this on
www.manhattan-funding.com.
Why Estonia
Our core team are very well known within banking and government circles and
have had transactions worth hundreds of millions within our companies over the
last 20 years. We know the bank and the directors there, but most importantly,
they know us. So we will not have any of the usual start up problems and
challenges with banking and legalities.
Estonia is a highly regulated country. It is actually one of the most
regulated countries in Europe when it comes to tax reporting which is required
on a monthly basis. Estonia has been a member of the European Union and NATO
since 2004 and has a very stable economy.
Both Jüri Ploom, our lawyer, and Paal Aschjem our Chairman are based in
Tallinn, Jüri Ploom was born and raised in Estonia and Paal Aschjem has lived
here since 1992.
The Team
Paal Aschjem – Chairman
Prof. Harald R Pfab – Advisor
Harald was the Executive Vice President of LBBW (Landesbank Germany) from 1985 to 2007. He then became the CEO of Sachsen Bank Germany from 2007 to 2013. At present he is currently CEO HHP Beratung GmbH. Harald’s knowledge is vast and in demand which within this time has led him to be on the supervisory boards of many organisations such as European Energy Exchange AG, ECC European Commodity Clearing AG, Buergschaftsbank Sachsen and Supervisory Chairman of Mittelstaendische Beteiligungsgesellschaft Sachsen mbH. He is also the Chairman of the Council at the University of Cooperative Education Saxony and has previously been on the Executive Board of the Industrial Initiative for Central Germany.
Jüri Ploom – Lawyer
Jüri our Lawyer is an expert in commercial law. Having taken his Bachelor’s degree at the University of Tartu, which is in the top 3% in the world, he continued his studies at the University of Stockholm. He is a Senior Partner in his current Law firm where he has been since 1997. In that time, he has specialised in company recovery. Jüri’s expertise and advice is invaluable when it comes driving UBW forward and maintaining a successful future for UBW.
Jüri our Lawyer is an expert in commercial law. Having taken his Bachelor’s degree at the University of Tartu, which is in the top 3% in the world, he continued his studies at the University of Stockholm. He is a Senior Partner in his current Law firm where he has been since 1997. In that time, he has specialised in company recovery. Jüri’s expertise and advice is invaluable when it comes driving UBW forward and maintaining a successful future for UBW.
Romildo Da Cunha – Global Marketing Manager
Romildo was the voice for Brazil in the Human Rights Seminar held in the University of Guelph, Ontario, Canada in the early 90’s. Since then, he has committed to an academic life and soon became a successful young entrepreneur as a school owner for over 20 years, in which period he has personally trained professionals from companies such as Amcor, Coca-Cola, Crown Cork, BASF, Procter & Gamble, Mobil, Avery Danisson, Dow Agro Sciences, to name a few. In 2002, he ventured into Network Marketing where he built and trained teams as big as 35.000 members overall. Ten years later, he was the Vice President of an American-based Travel Company.
Besides that, he was the General Manager for an e-Learning Company in Brazil and has also directed other two projects for companies specialized in wealth management where he helped build business volume that escalated to a little over . Romildo is internationally known for his leadership, integrity and commitment. He has the spirit of a true leader and is a highly esteemed professional. Through the years, he gathered a wealth of valuable experience in Finance, Law, International Business and Personal Development which turned him into an efficient and sought Business Connector. More recently, Romildo was living in Florida-USA with his family and is now settled back in Brazil.
Robert Fernandez - Advisor
Robert is educated in finance, management, and international tourism and with the junior air wing division of the National Cadet Corps of India. He has held many top positions in companies in India, Middle East, and Africa.
These include General Manager of Octonorm India Ltd, Managing Director of Citygate Consulting Group, Chief Executive Officer in Euphoria Engineering Solutions and Managing Director of Sweden Africa Trade Corp in Africa bringing with him a rich wealth of experience in business development, sales and marketing expanding across markets in India, Europe, Middle East and Africa. With contacts at the highest level in many African countries, Robert will assist with to developing and expanding UBW at the highest level throughout the African continent.
Kerttu Afanasjev - In-house Accountant
Kerttu studied Economics at the Tallinn Economical Institute and is
licenced as a certified accountant. She has been working with major companies
in Estonia for many years and is highly skilled with a great resume and
reputation.
She is now responsible for the finances of UBW, which includes reporting to the government and all financial transactions in the company.
She is now responsible for the finances of UBW, which includes reporting to the government and all financial transactions in the company.
Markku Pihlajaniemi - Office Manager
Markku is 54 years old, was born in Finland and now lives in Tallinn,
Estonia. He has studied Public Administration, Politics and International Law
at Tampere University.
Markku has worked for several years as Development Director with Teleperformance in Finland in charge of implementing and developing sales automisation software and solutions,customer value management and CRM solutions. As well as being CEO of Midas Touch Services OÛ in Finland, he has worked with Midas Touch OÛ as Development Director responsible for setting up customer service solutions and developing and implementing project management applications for all sales and service projects.
Markku has worked for several years as Development Director with Teleperformance in Finland in charge of implementing and developing sales automisation software and solutions,customer value management and CRM solutions. As well as being CEO of Midas Touch Services OÛ in Finland, he has worked with Midas Touch OÛ as Development Director responsible for setting up customer service solutions and developing and implementing project management applications for all sales and service projects.
Carl Rajalin - Head of Support
Carl is 22 years old and was born in Finland. He moved to Estonia and
finished his high school in Tallinn. He is fluent in Finnish, English, Estonian
and Swedish.
He has worked in several positions as sales team leader in the telemarketing sector in both Estonia and Finland. He is now the head of UBW support at the Tallinn Office. He has his degree in Advertising and Publicity from Tallinn University.
Banking license
He has worked in several positions as sales team leader in the telemarketing sector in both Estonia and Finland. He is now the head of UBW support at the Tallinn Office. He has his degree in Advertising and Publicity from Tallinn University.
Banking license
During October/November 2016 UBW will have its banking license in place
giving this currency even more flexibility and under bank regulation.
The banking license is an international banking license giving this
currency something no other virtual currencies have at the present time. With
all registered users and companies in UBW automatically getting bank accounts
for their coins, with the option of payment cards, pay-by-phone apps and
Internet banking, this currency is a global currency.
With an exchange license in place it will be possible to convert UBW coins
to and from any currency.
The advantage for companies taking payment in UBW Coins is that it is a
closed system that is not dependent on transfers from other banks or
Visa/MasterCard, which takes days. It is an instant payment and at lower cost
than that of other card providers.
Main income for UBW
It is through transactions of UBW Coins that UBW will make its money in the
future. By getting 0,5-1% of the total turnover of all UBW Coins when used by
millions of people on a daily basis by card or phone payments, it is no doubt
that UBW has a bright future.
UBW will put huge efforts into arranging for all businesses, shops and
payment points to accept UBW coins through contacting the payment system
providers directly instead of contacting each local store/payment point.
Global Marketplace
It is a bold statement to say that you will be able to buy or rent any
products and services with this currency by January 1st 2017. But we stand by
it. This is achieved through a global online UBW marketplace where companies
worldwide can register with us and rent or sell anything they wish through our
global trading platform. This way they can place all their products for sale
and our users can use their UBW coins to purchase everything offered through
the UBW marketplace. To offer products for sale on this site costs only €60 per
year. The only cost then is a 1% transaction fee for every purchase made, which
the seller can decide either to cover that cost or to add it to the sales
price. On this marketplace, as an option, we also have a ‘buy safe’ function
where the money can be held until the product or service is delivered.
The number of categories available on the UBW market will continue to grow.
A key factor in achieving a huge number of registered suppliers of products
and services on the UBW Market is that, if you register a company on this
website and they offer their products or services for sale or rent, you will
receive 0.5% of the total turnover of this company made through the UBW Market
website (On purchases paid in UBW Coins paid by either the UBW card or UBW bank
transfer.)
We strongly believe that everyone knows at least one person who has his or
her own company offering some kind of products for sale/rent or services.
Imagine if you register a real estate agency, car dealer, boat dealer, grocery
store, hotel, restaurant, and so on: You get 0.5% of that businesses turnover
(On the UWB Market) per year. It can be an incredible extra income just from
registering companies with the UBW Market. Registering a company is as easy as
registering another user.
If we can create a trend where everyone registers at least 1 company on the
UBW Market, we will, within a short period of time, have a large global
marketplace where everything can be paid for with UBW Coins.
In addition to this we have salespeople promoting and selling the Business
Package (At €600 per package) that allows companies to advertise on UBW Market
worldwide.
Becoming part of UBW
To Join
Choose from one of three packages, which include UBW coins:
·
1. Starter Package - €60
·
2. Business Package - €600
·
3. Professional Package - €3000
Each package includes additional perks.
Additional Add-ons
·
1. Reserve additional
coins with UBW Coin Option Packages - €100, €200,
€300, €500
·
2. Rent an Income Unit - €600
·
3. Vouchers - €600
Income Units explained
UBW is 100% owned by Manhattan Securities OÜ.
Manhattan Securities OÜ invests in new and existing companies with high
growth potential. As a mechanism to backing the value of the UBW coin Manhattan
Securities is investing in companies whose current and future value will give
real value to the UBW coin. In order to optimise the speed of growth of these companies
(And therefore increase each company’s value), Manhattan Securities is hiring
salespeople to sell the products and services of these companies.
We have created an additional way for you to earn money, called ‘Rent an
Income’. When you buy one of these (Costs €600) you contribute towards the
hiring of a new salesperson who will specifically sell the products of that
company thus contributing to an increase in that company’s value and therefore
giving strength to the backing of the UBW coins.
A new sales person is hired each time 20 of these are sold or given away as
a bonus.
These salespeople sell subscriptions (To products or services of companies
owned by Manhattan Securities OÜ) which have a value of between €500 and €700.
€120 of each sale made by the salespeople is placed in a pool called the Income
Unit Pool. Each month this money in this pool is divided equally amongst the
owners of the ‘Rent an Income’ packages. It is calculated by determining the
average number of sales of per seller. This average number is multiplied by €6.
Example
·
If the average sales per seller per day
is 1, you make €6 per day, if it is 2 sales a day you make €12 per day, which
gives a monthly payout of €240 per unit per month (calculated on 20 working
days per month)
·
If a seller does not generate a minimum
of 2 sales a day after the 2 weeks training period, he/she will be replaced
with a new seller.
·
Minimum realistic target is then 2% or
€12 income per day from your €600 rental of each income unit.
·
There is no guaranteed income, but since
they are doing this as their full-time job and they work on commission per
sale, they have to sell to make a living.
This is for 3 years where you keep 100% of this income. After the three
years you continue to do this for another 3 years at no additional cost where
you keep 90% of the income.
Note that from your date of rental, it can take up to two months before you
start receiving income from your rental agreement. This is because the hiring
process can take some time depending on the season and how frequently the sales
are invoiced in various countries. Since this is income from real time employed
Salespeople we calculate 10 months of work per year because of vacations and
other banking holidays.
There are no limits to how many units you can rent.
€280 from each sale is paid into the UBW Bonus Pool. These funds are used
to create a constant demand on the UBW Coin. Read more under The Ultimate Bonus
System.
Radio
We are proud to introduce UBW-Radio this fall, 2016. It will be online
radio optimized for streams, branded and custom made for your device with
unlimited listeners and users worldwide. We will also be presenting on TuneIn
alongside the most popular stations in the world. This gives the UBW community
a powerful communication tool were we can broadcast and share reports, courses
and events for all to tune in as well as participating as moderators and
reporters. Lets not forget it will also be the place to hear your favorite
songs.
Online News
UBW News will be launched fall, 2016. This will be an online ‘newspaper’
reporting news, events and current affairs from around the world along with all
the latest news from and about UBW. Media professionals from within the
newspaper and press industry itself will operate this newspaper. UBW will
create this to be as good as the current top online newspapers today such as
BBC News.
Opportunity of a lifetime
The Ultimate reward system
For every new user you bring us, we will reward you generously, and not
only the users you bring, but also users coming from your users too. If you
want an extra income or simply want to have a full-time job finding users,
there are no limits to how much you can make. This system is designed to break
all records if you are really up for it. Take a look at the example below and
you will find that you are making money in 3 different ways with just one easy
job. With all 3 income streams you are making money in 7 levels underneath you.
(See the income example)
This whole system is based on an entry of ONLY €60 and all income examples
are quite easily achieved based on your entry at this level. So there is no
need for big investments or a high entry cost to achieve any of the following:
·
Income stream 1 is generated from
sales of advertising packages on the classified ads website, where you can
place anything you want to sell or rent as a company or if you simply have
items you do not need anymore. See Packages for the different options.
·
Income stream 2 is generated from
commissions earned by renting income units at €600 per unit for 3 years.
·
Income stream 3 is generated from the
sales made by the Salespeople, which are earned by the rented income units. So
for every sale made by Salespeople it generates an income not only for the
person who has rented it, but also for the people in his/her network. So where
income stream 1 and 2 are a one-time commission, income stream 3 is where you
will make the recurrent income on a monthly basis.
The UBW system has been created is with a forward-thinking plan with a
long-term duration in mind. It is a system that will reward everyone, even if
they do not put a lot of effort into it, as long as they recommend 3 friends
that in their turn do the same, and, with no promise of making millions the
next month. UBW want to have a reputation that is both serious and focuses
mainly on the use and value of the UBW Coins in the future. But make no
mistake, this system is set up to break all records, and it will do it with
ease when it comes to the income for those who put their time and effort into
it.
We have a “Decoy” commission plan, which looks not too rewarding at first
glance. However when you really understand the whole picture and see the way it
is built, you will be amazed. The “Decoy” commission plan is set up so that
with as little as €60 and recommending only 3 people who do the same, you will
actually be upgraded and further upgraded and given bonuses after bonuses on a
monthly basis. Form that alone you will make thousands of Euros on a monthly
basis, but it will take 2-3-4 months.
It is also set up in such a way that if you put all your efforts into it,
really work the system, get a larger number of people in and follow them up,
you will for sure make a respectable income within the first month. This will
happen even if they all just enter at €60. This is a numbers game specifically
constructed to promote the use, usability and value of the UBW coin.
On the website you will find an “Income Calculator” which will give you a
clear understanding of the income you can make. It is important that you
understand that all the hard work you put in will be rewarded when you start
receiving the residual income from all the Income Rental Units, which is given
as bonuses in your group. It does not matter if they are given as a bonus or
you rented it, you still receive the same commissions and bonuses.
If you are holding an Income Unit and being paid per sale, you are making
your daily percentages, but you are given a percentage on the Income Units 7
levels down in your group as well. This is when the real adventure begins. This
is when you can actually make millions as a residual monthly income. What makes
it even better is that every month UBW is giving the bonuses, there will be
more and more Income Units in your group of people, and your part of all sales
will just keep increasing. This is what is makes UBW truly unique when compared
to ALL OTHER companies today.
There have been some comments made regarding the low commission paid in the
first levels when you first register new users. This is very true but having
read the text above you will understand why it is set up like this. Everything
with UBW is long term based and completely focused on building a long-term
company with a long-term stable and safe income for our users for years and
years to come whether they put in a small or big effort.
The ultimate bonus system
To make this opportunity as profitable as possible for everyone, you have
an entry cost of only €60 and then your first €600 in commission will be used
to upgrade you to the level above, where you will be given a bonus of 40% of
your normal commissions on Income stream 1 and 2. Depending on the amount of
the bonus, you will be given a mix of Income For Rent Units and UBW Coin
Options packages.
For example
If you earn €1,000 per week, you will be given a bonus of €400 in UBW
coins. If you make €2,000 per week you will get 1 income unit at a value of
€600 and €200 worth of UBW coins.
If you have bought the €3,000 package you will be given a bonus of 50% of
your normal commissions on Income stream 1 and 2, and a 50% bonus of your
commissions on income stream 3. Depending on the amount of the bonus, you will
be given a mix of Income for Rent Units and UBW coins.
This mix of Income Units for Rent and UBW Coins Options packages will be given as long as they are available. Once there is no more Income Units available from the company, and the internal trading has started, all bonuses will be given in UBW coins bought from the open market, which will create a huge demand for coins for bonuses alone.
As previously mentioned under earlier categories on this website, this
bonus system will create a significant demand for UBW Coins on a monthly basis.
For every sale made both in UBW and by all Salespeople in the Manhattan
Securities OÜ companies, this creates a bonus payout on top of the normal
income. This is one of the other reasons why the commission per level in the
packages is as low as it is. It’s because of the bonuses being paid to create a
massive demand for the UBW Coins when the trading starts.
As an example, with 10 thousand Salespeople making 2 sales a day, it
creates a demand of 40 million Euro per business day, since €100 goes to
bonuses per sale, and on top of this, we have the bonuses on the packages in
UBW.
Speed Bonus
Beat the timer
As an extra bonus system we have added a timer to your account.
If you have purchased the €60 package and you sell 5 of these packages within the first 5 days/120 hours, you will get double income for 2 months. If you upgrade to the €600 or the €3 000 package you will no longer have the double income because of the extra bonuses on this top package.
If you have purchased the €60 package and you sell 5 of these packages within the first 5 days/120 hours, you will get double income for 2 months. If you upgrade to the €600 or the €3 000 package you will no longer have the double income because of the extra bonuses on this top package.
Time extension
In addition to making 5 sales before the timer reaches zero, for every
extra sale you make, 24 hours will be added to your timer. If you reach 10
sales before the timer reaches zero you will get a bonus of €300 worth of UBW
coins.
This speed bonus might not sound like a lot but by finding 5 people instead
of 3 within the first five days (And the people in the levels underneath you
find 3 each), it makes a difference of €35 714 in the first two months. So it
is really worth the extra effort. You will see what you can actually make by
playing with the “Income Calculator” on your user account.
Summary
·
• A virtual currency that is backed by real value
·
• A virtual currency that is set up to be used as a valid
currency from day one
·
• A virtual currency that fully meets all future financial rules
and obligations so the governments worldwide can approve it.
·
• A virtual currency that is developed with the expertise of
banking experts
·
• A virtual currency where YOU will be in from the start
·
• A team of thousands of professional salespeople actively
signing up business partners who will accept this currency on a global basis,
from the big manufacturers to the café on the corner.
·
• A way of launching where you can:
o
1. Take
advantage of the increase in value
o
2. Take
advantage of the professional sales force of the companies backing the value of
the coin, AND receive a monthly income
o
3. Make money
by simply spreading the news, or make it your actual job and career
o
4. Or all of
the above
Imagine the power of this unique opportunity when you compare it to all
other virtual coins. There are coins worth hundreds of Euros per coin but with
no real value backing it or no strategy on how to have it as a fully recognized
as currency.
What you have just imagined can happen with your buying power, your luck of
being here from early start, your chance to start fresh or build on an already
success, this is actually happening for thousands of others RIGHT NOW!
10 minutes from now hundreds or more people will have signed up and the UBW
coin value will have increased exponentially.
There is no time to lose. Don’t wait, register right now from as little as
€60. To suit your comfort level, you can decide how much, or how little you
wish to be part of this exciting adventure.