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Revuto Whitepaper v1.6

This document provides an overview of Revuto, a subscription management platform built on the Cardano blockchain. Revuto aims to simplify subscription management and protect customers from hidden fees. It will generate revenue through transaction fees and monthly subscriptions. The Revuto ecosystem includes a subscription management app, the REVU governance token, and a decentralized lending platform. Revuto believes blockchain technology provides advantages over traditional finance for payment processing and greater customer control. It has chosen to build on the Cardano blockchain due to its scalable and user-centric approach.

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Mariano Amores
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0% found this document useful (0 votes)
91 views30 pages

Revuto Whitepaper v1.6

This document provides an overview of Revuto, a subscription management platform built on the Cardano blockchain. Revuto aims to simplify subscription management and protect customers from hidden fees. It will generate revenue through transaction fees and monthly subscriptions. The Revuto ecosystem includes a subscription management app, the REVU governance token, and a decentralized lending platform. Revuto believes blockchain technology provides advantages over traditional finance for payment processing and greater customer control. It has chosen to build on the Cardano blockchain due to its scalable and user-centric approach.

Uploaded by

Mariano Amores
Copyright
© © All Rights Reserved
We take content rights seriously. If you suspect this is your content, claim it here.
Available Formats
Download as PDF, TXT or read online on Scribd
You are on page 1/ 30

APRIL 2021

REVUTO
WHITEPAPER
TABLE OF CONTENTS CHECK OUT A SHORT LIST
OF THE CONTENTS

1. INTRODUCTION 2. THE REVUTO ECOSYSTEM

1.1 Target Market 2.1 Why Crypto?

1.2 Target Customer 2.2 Why Cardano?

1.3 Revenue Model 2.3 Revuto dApp

2.3.1 Subscription Payments

3. CUSTOMER ACQUISITION 2.4 REVU Toke


AND RETENTION 2.4.1 REVU Token Distribution
INCENTIVE STRUCTURES
2.4.2 Initial Token Liquidity

3.1 Referrals & Cashback 2.4.3 REVU Token Sale Distribution

2.4.4 Token Sale Timeline


3.2 REVU Token Buybacks
2.4.5 REVU Token Sale Price and
3.3 Other rewards Investment Cap Per Sale Round

2.4.6 REVU Token Release Plan


4. ROADMAP 2.4.7 REVU Token Release
Schedule

2.4.8 Release Schedule for REVU


5. CONCLUSION
Tokens Distributed to Revuto

2.4.9 Unreleased REVU Tokens


APY

2.5 Revuto DeFi Features

2.5.1 Staking

2.5.2 Micro-lending And


Borrowing
INTRODUCTION
Revuto is a clean, intuitive, and easily accessible single-
dashboard subscription management service. Revuto’s mission
is to save customers time, energy, and money by completely
redefining the subscription management experience.

01
IS IT WORTH SOLVING?
21 billion DD transactions in 2019 and growing in value
and volume since 2016 paired with strong growth of
subscription revenues

21bn
Volume of Direct Debits/years¹

€7tn
SEPA Direct Debit Value/yr¹

350m
Banking Population²

€350bn
Value pf subscription economy³

€7tn
Growth in subscription revenue⁴

DD-Direct Debit

1-European Central Bank

2-Stabista

3-Zuora, 2016-2018
4-ING

Revuto vows to make the «Are you sure you want to


unsubscribe?» line a thing of the past. No one would be
jumping through all the hoops and hurdles to unsubscribe
if they weren’t already sure. We built Revuto because we
recognize and empathize with the probelm. Managing a dozen
subscriptions shouldn’t take the time of a part-time job, and
there’s absolutely no reason unsubscribing should take more
than a single click.

Data shows that today’s millennials would much rather subscribe to Spotify or
Netflix than purchase a single album or a movie. The subscription model allows
them to test a product and use a service without fully committing and paying
the full price upfront.

However, while this rising trend has undoubtedly been net-beneficial for
both businesses and customers, it also has certain downsides. Free trials with
cumbersome cancelation policies produce unnecessary recurring losses, and
managing and paying for dozens of subscription services each month results in
consumer fatigue.

As subscriptions grow by 100% year on year, we’re confident they’re here to stay
and become an integral part of everyone’s life. Revuto’s place in this growing
economy is to filter signals from noise and offer customers a clean and pleasant
subscription management experience. We believe that no one should ever again
be charged for subscriptions they no longer want or use, and we have made it
our primary goal to make that happen.
TARGET 01-1
MARKET
In decades past, subscriptions were limited and almost
exclusive to products like magazines, gyms, and cable TV.
However, with the rise of technology and cloud-based
computing, many companies have transitioned from the one-off
purchase to the recurring revenue or the subscription business
model. Consequently, nowadays we have subscriptions for
everything — from food to music, TV shows, clothes, games,
audiobooks, even shaving products.

For businesses, subscriptions mean constant and predictable revenue streams,


higher average customer lifetime value, and greater customer inertia resulting
in enhanced brand loyalty. Consumers, on the other hand, find subscriptions
convenient and perceive them as more accessible and affordable than one-off
payments, especially for more expensive purchases.

Nonetheless, past a certain point, managing multiple subscriptions becomes


more of a chore than a task to enjoy. The average European consumer spends
130 euros per month on subscriptions, accounting for approximately 5% of
their monthly expenditures. Nearly a fifth of consumers never review their
subscriptions, and, as a result, half are routinely paying for products and services
they either no longer use or consider not worth their money.

Understanding consumer psychology, businesses leverage these biases


in consumer behavior to increase their revenues by intentionally making
unsubscribing difficult. Resultantly, users either easily forget about ongoing
subscription charges, find the unsubscribing process hard to navigate, or fall
victim to services that charge their cards indefinitely without notification.

We believe there is a clear product-market fit for a product protecting


consumers from all the unwanted consequences of subscriptions. Revuto’s
main deliverable is a decentralized mobile application — a single-dashboard
subscription management solution that helps users control their recurring
subscription-related expenses.
TARGET 01-2
CUSTOMER
Revuto is primarily targeting heavy users or private persons
with significant subscription-related yearly expenditures. We
have identified these customer segments as primarily consisting
of millennials or tech-savvy young individuals who are early
tech adopters, crypto natives, digital nomads, and freelancers.
Small to medium-sized businesses looking to simplify their
SaaS-related subscriptions are also our target customers.

We believe these customer segments will benefit the most and naturally
gravitate towards our solutions. Our goal is to maximize the value of ongoing
subscriptions by simplifying the payments process and protect customers from
hidden fees and subscription charges for services they no longer use.
REVENUE 01-3
MODEL
More than 90% of users of online budgeting and financial
applications are willing to pay for additional services if it saves
them money. Revuto’s goal is not just saving customers’ money
but giving them complete control over their subscriptions.

Revuto will generate revenues through several sources, including:

Protection fees: Free users of Revuto will pay 4% on each transaction.


Monthly subscription: Revuto Pro subscription will cost €12/month. Pro
users will not pay transaction fees and will get 4% cashback.
DeFi services: Fees from stacking Revu tokens and micro lending protocol.
THE REVUTO 02
ECOSYSTEM
The Revuto ecosystem consists of three integral parts:

The subscription management software - Revuto dApp


The governance/utility token REVU
The decentralized Revuto micro-lending and borrowing platform.

The application, the token, and the DeFi micro-lending and


borrowing platform will each play a distinct role in siphoning
back a portion of the value generated by the ecosystem back to
its loyal users

The application, the token, and the DeFi micro-lending


and borrowing platform will each play a distinct role in
siphoning back a portion of the value generated by the
ecosystem back to its loyal users.

The entire Revuto stack will be built on Cardano — a decentralized


third-generation proof-of-stake blockchain platform and home to the
ADA cryptocurrency.

What makes Revuto uniquely different from other blockchain-based


projects is that we look outwards rather than inwards in our ecosystem
growth and adoption approach. We seek to create a subscription
management solution with immediate real-world applications. Rather
than catering to a niche audience of existing crypto users, we seek to
bring crypto to the mainstream world.
WHY 02-1
CRYPTO?
Decentralized, blockchain-based protocols are poised to tear
down the exclusionary, monolithic foundations of traditional
finance, radically reconfigure how money is used, created,
and distributed, and build a superior, more transparent, and
equitable financial system on top of its ruins.

At Revuto, we not only believe that crypto is the future of finance but also have
our interests perfectly aligned with the cypherpunk ethos. Blockchain-based
digital assets are designed for transparency, ease of access and provide users
complete control over their funds, which is the same what Revuto is trying to do
with subscriptions.

Our team of industry experts is convinced that cryptocurrencies provide


significant advantages in terms of payment processing compared to outdated
centralized solutions. As a forward-looking FinTech startup, we are looking
to integrate these solutions into our platform and place our company at the
forefront of the Web 3.0 revolution.
WHY 02-2
CARDANO?
Cardano’s mission, vision, and approach to
building scalable, user-centric blockchain
solutions are perfectly aligned with Revuto’s
requirements.

Cardano is the first blockchain platform to evolve out of a scientific philosophy


and a research-first-driven approach. First-generation blockchains like Bitcoin
were the first to offer the world decentralized ledgers for secure cryptocurrency
transfers. However, they did not create a functional environment for developing
more complex smart-contract-based financial solutions. Second-generation
blockchains like Ethereum introduced smart-contracting capabilities to
blockchains but are unfortunately suffering from significant scalability issues.

On the other hand, Cardano is conceived as a more evolved, future-proof third-


generation blockchain that combines the former’s properties and evolves to
meet all its users’ arising needs. Consequently, the Revuto team believes that
Cardano will play a leading role in the upcoming digital revolution, and thus,
deciding to build our decentralized platform on Cardano was hardly a choice at
all.
REVUTO 02-3
dAPP
Revuto’s flagship product is the Revuto
dApp — a decentralized mobile application
that enables users to actively manage their
subscriptions from a single dashboard.
Revuto saves users money by allowing them
to approve, block or snooze subscription
charges as they occur.

Furthermore, by paying their subscriptions through the Revuto dApp, users will
have the opportunity to earn rewards, receive cashback, and apply for micro-
loans paid out in crypto. The micro-lending feature will provide users with easy
access to liquidity, allowing them to better manage their cash flows and never
miss a subscription payment.

In phase one, Revuto will only support subscription payments and rely on
existing payment processors to execute crypto-to-fiat swaps and process fiat
transactions. At this stage, all subscription payments with Revuto will be made
using actively managed Revuto Virtual Debit Cards supporting fiat currencies,
REVU tokens and Cardano-native EURR stablecoin.

Later, Revuto will broaden its product offering by adding support for other
recurring payments such as utilities, cable and cell phone bills, or gym
memberships. Moreover, in the latter phase, Revuto will also acquire a payment
processor license, allowing it to further reduce friction in payments, eliminate
third-party dependencies, and ultimately increase profit margins.
SUBSCRIPTION
PAYMENTS
02 - 3 - 1
The Revuto dApp will support both push and pull payment
options, where push payments will require user’s authorization
on each billing cycle, while pull payments will be automatic.

Revuto stands out from the competition because it is the first subscription
management service to incorporate cryptocurrency payments. Using the Revuto
dApp, users will be able to pay for their subscriptions using the Cardano-native
REVU token and EURR stablecoin.

With Cardano’s Plutus smart contract platform’s arrival, users will be able to
acquire the Cardano-native EURR stablecoin either by minting it as a loan using
REVU tokens as collateral or by directly purchasing it on the open market.

Users who want to pay for their subscriptions using crypto will need to
download Revuto’s wallet and approve automatic (pull) token transfers.

The Revuto Wallet is a simple and secure cryptocurrency wallet supporting


all Cardano-based tokens, while by default including REVU and the EURR
stablecoin. The wallet will also have specific functionalities allowing for
automatic pull payments. The end goal here is to offer Revuto users an option to
subscribe to service providers using only their Revuto Wallet address.

In order to pay for subscriptions using cryptocurrency, the users will first need
to approve the REVU or EURR stablecoin from within their wallet. This process
is similar to adding a bank card as a payment option for online purchases or
subscriptions. After the user sets up the wallet for recurring payments, the
wallet will invoke the smart contract, permitting the server wallet to spend the
funds (REVU or EURR) from the user’s wallet at specific points in the future.

The added benefit here is that the users have the freedom to define the access
period in which the server wallet can access their funds and manually set a
limit to the amount of crypto they wish to spend for subscriptions. This adds an
additional layer of security for the users and effectively gives them complete
control over their crypto.
REVU 02-4
TOKEN
The REVU token is Revuto’s utility token native to the
Cardano blockchain. Its purpose will be twofold: to serve
as a governance token for the Revuto ecosystem through
staking and pose as collateral for micro-loans on Revuto’s
decentralized micro-lending and borrowing platform.

For users, the incentive for holding REVU tokens is ultimately to save money
and pay less in crypto for subscription charges than they would with fiat money.

Revuto’s ecosystem is designed to be sustainable regardless of crypto market


conditions. The incentive structures are set in place to create constant demand
pressure for REVU tokens and give users greater flexibility in terms of managing
and paying for subscriptions.
REVU TOKEN
DISTRIBUTION
02 - 4 - 1
The total supply of REVU tokens
upon the Revuto platform’s launch
will be hard-capped to 280,125,000
REVU tokens.

To ensure a fair initial token distribution, the token


distribution process will be guided by two principles:
optimal decentralization and efficient distribution.

In this context, optimal decentralization means that:

The tokens are distributed to as many Revuto users as possible, with the
number of token holders growing proportionally to the project’s rise in
market capitalization;

The biggest token holders do not hold significant portions of the total
token supply, limiting their power to influence the markets;

There are no significant price discrepancies to acquire the tokens.

An efficient initial distribution implies a distribution of tokens primarily to:

Users deeply involved with the project that willingly contribute to its
success;

Participants from different backgrounds, including investors, early


supporters, small token holders, and speculators.
INITIAL 02-4-2
TOKEN
LIQUIDITY
The first wave of REVU tokens released after the token sale will
be available for trading directly in the Revuto dApp through the
integration with crypto exchanges. The only available trading
pair during the token sale will be REVU/ADA.

After the token sale ends, Revuto will partner up with other crypto exchanges to
ensure more trading pairs against REVU tokens are made available.

Finally, with its own ERC-20 converter, Revuto will introduce wrapped ERC-2o
REVU tokens (wREVU) on the Ethereum network to allow users to trade their
tokens on decentralized exchanges like Uniswap.
REVU TOKEN
SALE DISTRIBUTION
02 - 4 - 3
REVU TOKEN SALE: 32% OF
TOTAL SUPPLY / 89,640,000
REVU TOKENS

DISTRIBUTION PERCENTAGE TOKEN SUPPLY

Project 53% 148 466 250 REVU

Private round 6% 16 807 500 REVU

Early backers 11% 30 813 750 REVU

Community sales 15% 42 018 750 REVU

Team and Advisors 15% 42 018 750 REVU

Total supply 100% 280 125 000 REVU


TOKEN SALE
TIMELINE 02 - 4 - 4
DISTRIBUTION STARTING DATE FINISHING DATE

Private round 03.05.2021. 14.05.2021.

Early backers tier 1 18.05.2021. 19.05.2021. (36h)

Early backers tier 2 20.05.2021. 21.05.2021. (36h)

Community sales 22.05.2021. 29.05.2021. (8 days)


REVU TOKEN
SALE PRICE AND
INVESTMENT CAP
PER SALE ROUND
02 - 4 - 5
DISTRIBUTION TOKEN PRICE SALE ROUND CAP TOKENS

Private round 0.085 EUR 300K EUR - 1M EUR 16 807 500 REVU

Early backers tier 1 0.085 EUR 500 EUR - 1K EUR 15 406 875 REVU

Early backers tier 2 0.09 EUR 5K - 100K EUR 15 406 875 REVU

Community sales round 0.1 EUR 100 EUR - 5K EUR 42 018 750 REVU

DISTRIBUTION TOKEN PRICE SALE ROUND CAP TOKENS

Private round 0.085 EUR 300K EUR - 1M EUR 1 428 637.50 EUR

Early backers tier 1 0.085 EUR 500 EUR - 1K EUR 1 309 584.38 EUR

Early backers tier 2 0.09 EUR 5K - 100K EUR 1 386 618.75 EUR

Community sales round 0.1 EUR 100 EUR - 5K EUR 4 201 875.00 EUR
REVU TOKEN
RELEASE PLAN
02 - 4 - 6
DISTRIBUTION STARTING DATE FINISHING DATE

Team & Advisors 18 months 3 months

Private round 12 months 3 months

Early backers tier 1 12 months 3 months

Early backers tier 2 6 months 3 months

Community sales 3 months


REVU TOKEN
RELEASE SCHEDULE
02 - 4 - 7
DISTRIBUTION TOKENS VESTING PERIOD

Community sales 42 018 750 REVU (+APY) 3 months

Early backers Tier 2 15 406 875 REVU (+APY) 6+3 months

Early backers Tier 1 15 406 875 REVU (+APY) 12+3 months

Private round 16 807 500 REVU (+APY) 12+3 months

Team and Advisors 42 018 750 REVU (+APY) 18+3 months


RELEASE SCHEDULE
FOR REVU TOKENS
DISTRIBUTED TO
REVUTO
02 - 4 - 8
REVUTO WILL HOLD A TOTAL
OF 148 466 250 REVU TOKENS
AFTER THE TOKEN SALE ENDS

RELEASE AMOUNT VESTING PERIOD

20% *29,693,250 REVU 3 months

20% *29,693,250 REVU 12 months

20% *29,693,250 REVU 21 months

20% *29,693,250 REVU 30 months

20% *29,693,250 REVU 39 months

*the final number will depend on REVU tokens issued through referral
program, cashback, APY, DeFi services, etc.
REVU TOKEN
RELEASE SCHEDULE
02 - 4 - 9
Holders of REVU tokens bought
in the REVU Token Sale will earn
additional REVU tokens based on
10% APY on unreleased tokens.

DISTRIBUTION VESTING + RELEASE PERIOD 10% APY

Private round 12 M LOCK *1 680 750 REVU


(16,807,500 REVU) 3 M RELEASE

Early backers Tier 1 12 M LOCK *1 540 687.50 REVU


(15 406 875 REVU) 3 M RELEASE

Early backers Tier 2 6 M LOCK *770 343.75 REVU


(15 406 875 REVU) 3 M RELEASE

Community sale 3 M LOCK 1 050 468.75 REVU


(42 018 750 REVU)

*minimal amount of REVU tokens because of the 3 months release period


GOVERNANCE
02-5
In the true spirit of decentralization,
the REVU token will give holders
certain governance rights over the
protocol.

REVU token holders will be able to submit protocol improvement proposals


and vote on issues including:

The rate of issuance or the inflation rate of the REVU token;


Lifting the total token supply hard-cap;
Adjusting micro-loan fees;
Changing the cashback, referrals, and staking rewards amount;
Control spending from Revuto’s REVU token reserves;
Any other community proposals;

The initial governance voting parameters are designed as follows:

Token holders will need 2% of the total REVU token supply to submit
a governance proposal;

5% of the total REVU supply will be needed to approve a proposal and


reach quorum;
The voting period will be set to 10 days;
The time lock delay on execution will be set to 3 days;
REVUTO DeFi
FEATURES 02 - 6
After the platform is launched and the fair distribution of the
REVU token is over, Revuto will introduce the token staking
and the decentralized micro-lending and borrowing platforms.

STAKING 02 - 6-1
Within the context of the Revuto ecosystem, staking means
locking up REVU tokens in a smart contract for a certain period.

The benefits of staking are twofold: one, users who lock their
REVU tokens in the staking contract will get access to unique
product benefits and staking rewards, and two, staking reduces
the number of tokens in circulation, prevent volatility and
creates constant demand pressure on the REVU token.

To get the product benefits and earn the rewards, users will have
to commit and stake their REVU tokens for 6, 12, or 18 months,
with a certain percentage for each.
MICRO-LENDING
AND BORROWING
02 - 6 - 2
Revuto’s decentralized micro-lending and borrowing platform
will give REVU token holders quick and easy access to liquidity
(working capital) in the form of small loans denominated in
EURR stablecoins. The goal is to allow REVU token holders to
pay their subscription payments on time without liquidating
their REVU holdings. This way, users will keep their long
exposure to REVU tokens and keep earning staking rewards
even when they do not have cash for subscription payments at
hand.

Token holders will take out loans by staking their REVU tokens as collateral
on the platform. The amount they can borrow will depend on the value of the
deposited collateral. The loan-to-value (LTV) ratio will initially be set at 2:1 —
i.e. , for $100 worth of REVU tokens staked, the users will be able to borrow 50
EURr tokens.

When borrowing, users will receive newly minted EURR tokens (Cardano-native
stablecoins pegged to the Euro) as a loan they will later need to pay back with
fixed 20% interest. When paying back the loan, the EURR tokens are burned,
and the collateral is returned to the borrower. In case the deposited collateral at
one point becomes insufficient to back the loan, the staked REVU tokens will be
liquidated.

THIS FLOW IS SHOWCASED IN THE FOLLOWING DIAGRAM.


CUSTOMER 03
ACQUISITION
AND RETENTION
INCENTIVE
STRUCTURES
To scale the Revuto ecosystem,
acquire new users, and maximize the
value proposition among REVU token
holders, we’ve baked in well-thought-
out incentive mechanisms into the
protocol.

Through referrals, buybacks, cashback and other rewards, users will be


incentivized to behave in the following ways:

Increase acquisition — Users get a percentage of every subscription


transaction that a user is subscribed for a lifetime, in this way people could
potentially get in a position where they could live solely by recruiting new
users to the network.
Increase engagement — Revuto will incentivize community engagement
through REVU token rewards and unique product benefits.

Increase retention — Users will be incentivized to keep using the Revuto


dApp through cashback, referral, and staking rewards.
REFERRALS 03 - 1
& CASHBACK
Revuto will employ incentivized referral
programs and cashback to grow and build
its customer user base. For every new user
that signs up through a referral link and
pays for at least one subscription using
the dApp, the referral link owner will earn
rewards in REVU tokens

The referral rewards will account for 6% of the revenue generated from the
referred users. For example, if the referred user signs up for the Revuto Pro
version, which will cost €12, the referral link owner will earn 6% of that user’s
cashback which is determined to be 4%. If the referred user signs up for the free
version of the app, spends €100 every month on subscriptions, and pays 4% or
€4 to Revuto for protection fees, the referral link owner will earn 6% of that (or
€0.24 in this case) every month for that user and each other user they onboard
onto the platform.

This means that everyone who onboards new users onto the Revuto platform
will keep earning recurring revenue in the REVU tokens for as long as the
referred user uses Revuto to pay for subscriptions. The rewards earned through
the referrals will be collected and sent directly to users Revu wallets once per
month.

The cashback rewards will be reserved only for paying Revuto users (Pro app).
All Revuto Pro users will receive 4% cashback in REVU tokens on all of their
subscription purchases.
REVU TOKEN
BUYBACKS 03-02
In order to guarantee healthy growth of the Revuto ecosystem
and siphon value to REVU token holders, Revuto will
periodically administer open market buybacks of REVU tokens
using 40% of the total revenue generated by the protocol.

The buybacks will be executed periodically and in small increments throughout


the year to avoid short-term speculative price volatility. The exact dates and
times will depend on current market conditions.

The goal of the buybacks is to guarantee constant demand pressure on


REVU tokens. The tokens acquired through this process will be stored in
Revuto’s token reserve and used to pay referral, cashback, and staking rewards.
Depending on market conditions, Revuto will also periodically burn a portion of
the tokens held in reserve.
ROADMAP 04
DISTRIBUTION *FEATURE/EVENT

5/2021 REVU Token Sale

7/2021 EU Payment processor integration

7/2021 Revuto App available on Android and iOS

7/2021 Applying for the crypto to fiat exchange license at HANFA

8/2021 Minting token supply

9/2021 Enabling ADA/REVU liquidity & swapping

9/2021 Trademark protection submitted at EUIPO

9/2021 Two patent applications submitted at EPO and USPTO:

1. Method and system for determining merchant behaviorin


recurring payment ecosystems.

2. Method to use transaction and merchant similarity


clusters to manage payment approvals in recurring payment
ecosystems.

9/2021 REVU token listing on DEX/CEX

9/2021 EURr stablecoin creation and listing

9/2021 ERC20 converter for swappingREVU/EURr


with ERC20 tokens

9/2021 Converter to swap REVU/EURr with other native


tokens on Cardano

9/2021 Start releasing REVU tokens into the supply

10/2021 Allow staking and vesting lockups

10/2021 Open governance

12/2021 Open DeFi micro-lending & borrowing

01/2022 Micro-loans for subscription payments (borrow EURr)

01/2022 Integrate fiat on-ramp in the Revuto App

02/2022 App and services support for other native tokens from
Cardano

04/2022 REVU wallet upgrade to support pull payments and pre-


authorization

05/2022 Pushing REVU wallet to payment gateways and service


providers

07/2022 Adding recurring payments such as utilities to manage them


and pay with crypto

09/2022 Leverage public utilities payments with DeFi services

12/2022 Introduce a physical Revuto Debit Card to pay for goods with
crypto and with an option to leverage DeFi services

*events may change according to changes on the Cardano roadmap (availability


of Plutus smart contracts)
CONCLUSION 05
Revuto is a European Fintech startup
leveraging next-gen crypto and DeFi
technology to offer clients a superior
subscription management experience.

Revuto’s flagship product is the Revuto dApp — a decentralized mobile


application that enables users to actively manage their subscriptions from a
single dashboard. Revuto saves users money by allowing them to approve, block
or snooze subscription charges as they occur.

Revuto will also offer an in-app decentralized micro-lending and borrowing


platform, giving users quick and easy access to liquidity (working capital) in
the form of small loans denominated in EURR stablecoins. The goal is to allow
Revuto users to pay their subscription payments on time without liquidating
their REVU holdings.

Revuto believes that no one should ever again have to pay for subscriptions
they no longer want or use and that managing subscriptions/unsubscribing from
services shouldn’t take more than a single click.

We believe that decentralized, blockchain-based, and community-driven


protocols are the future. Consumers should have the opportunity to help build
and lead the products they use and amply benefit from their success. Guided
by these beliefs, Revuto seeks to put the community’s interests first and siphon
most of its earnings back to its most loyal users and backers.
APRIL 2021

JOIN THE FIRST


TOKEN SALE
ON CARDANO

crypto.revuto.com

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