Whitepaper 1.0.1


Licences and approvals are not assured in all jurisdictions

TokenRanking intends to operate in full compliance with applicable laws and regulations and use its best endeavours to obtain the necessary licences and approvals. Regulatory licences and/or approvals are likely to be required in a number of relevant jurisdictions in which relevant activities may take place. This means that the development and roll-out of all the initiatives described in this whitepaper are not guaranteed. It is not possible to guarantee, and no person makes any representations, warranties or assurances, that any such licences or approvals will be obtained within a particular timeframe or at all. As such, the initiatives described in this whitepaper may not be available in certain jurisdictions, or at all. This could require restructuring of these initiatives and/or its unavailability in all or certain respects. In addition, the development of any initiatives is intended to be implemented in stages. During certain stages of development, the project may rely on relationships with certain licensed third party entities. If these entities are no longer properly licensed in the relevant jurisdiction, this will impact the ability of TokenRanking to rely on the services of that party.

No advice

This whitepaper does not constitute any investment advice, financial advice, trading advice or recommendation by TokenRanking, its affiliates, or its respective officers, directors, managers, employees, agents, advisors or consultants on the merits of purchasing TORA tokens nor should it be relied upon in connection with any other contract or purchasing decision.

Not a sale of security

This whitepaper does not constitute a prospectus or financial service offering document and is not an offer to sell or solicitation of an offer to buy any security, investment products, regulated products or financial instruments in any jurisdiction. TORA tokens are not being structured or sold as securities in TokenRanking. Owners of TORA tokens are not entitled to any rights in TokenRanking or any of its affiliates, including any equity, shares, units, royalties to capital, profit, returns or income in TokenRanking or any other company or intellectual property associated with TokenRanking.

No representations

No representations or warranties have been made to the recipient of this whitepaper or its advisers as to the accuracy or completeness of the information, statements, opinions or matters (express or implied) arising out of, contained in or derived from this whitepaper or any omission from this document or of any other written or oral information or opinions provided now or in the future to any interested party or their advisers. The TORA tokens, as envisaged in this whitepaper, are under development and are being constantly updated, including but not limited to key governance and technical features. If and when the TORA tokens are completed, they may differ significantly from the description set out in this whitepaper. No representation or warranty is given as to the achievement or reasonableness of any plans, future projections or prospects and nothing in this document is or should be relied upon as a promise or representation as to the future. To the fullest extent possible, all liability for any loss or damage of whatsoever kind (whether foreseeable or not and whether or not TokenRanking has been advised of the possibility of such loss or damage) which may arise from any person acting on any information and opinions contained in this whitepaper or any information which is made available in connection with any further enquiries, notwithstanding any negligence, default or lack of care, is disclaimed.

Third party data

This whitepaper contains data and references obtained from third party sources. Whilst the management believes that these data are accurate and reliable, they have not been subject to independent audit, verification, or analysis by any professional legal, accounting, engineering, or financial advisors. There is no assurance as to the accuracy, reliability or completeness of the data.


This whitepaper and related materials are issued in English. Any translation is for reference purposes only and is not certified by any person. No assurance can be made as to the accuracy and completeness of any translations. If there is any inconsistency between a translation and the English version of this whitepaper, the English version shall prevail.

Restricted transmission

This whitepaper must not be taken or transmitted to any jurisdiction where distribution or dissemination of this whitepaper is prohibited or restricted.

Views of TokenRanking

The views and opinions expressed in this whitepaper are those of TokenRanking and do not reflect the official policy or position of any government, quasi-government, authority or public body (including but not limited to any regulatory body) in any jurisdiction. This whitepaper has not been reviewed by any regulatory authority.

Third party references

References in this whitepaper to specific companies, networks and/or potential use cases are for illustrative purposes only. The use of any company and/or platform names and trademarks does not imply any affiliation with, or recommendation or endorsement of/by, any of those parties. All references to ‘dollars’, USD or ‘$’ are references to the United States Dollars unless otherwise stated.


All graphics included in this whitepaper are for illustrative purposes only. In particular, graphics with price references do not translate into actual pricing information.

Risk statements

Purchasing TORA tokens involves substantial risk and may lead to a loss of a substantial or entire amount of the money involved. Prior to purchasing TORA tokens, you should carefully assess and take into account the risks, including those listed in any other documentation. A purchaser should not purchase TORA tokens for speculative or investment purposes. Purchasers should only purchase TORA tokens if they fully understand the nature of the TORA tokens and accept the risks inherent to the TORA tokens.

Cryptographic tokens may be subject to expropriation and/or theft; hackers or other malicious groups or organizations may attempt to interfere with our system/network in various ways, including malware attacks, denial of service attacks, consensus-based attacks, Sybil attacks, smurfing, and spoofing which may result in the loss of your cryptographic tokens or the loss of your ability to access or control your cryptographic tokens. In such event, there may be no remedy, and holders of cryptographic tokens are not guaranteed any remedy, refund, or compensation.

The regulatory status of cryptographic tokens and digital assets is currently unsettled, varies among jurisdictions and subject to significant uncertainty. It is possible that in the future, certain laws, regulations, policies or rules relating to cryptographic tokens, digital assets, blockchain technology, or blockchain applications may be implemented which may directly or indirectly affect or restrict cryptographic token holders’ right to acquire, own, hold, sell, convert, trade, or use cryptographic tokens.

The uncertainty in tax legislation relating to cryptographic tokens and digital assets may expose cryptographic token holders to tax consequences associated with the use or trading of cryptographic token.

Digital assets and related products and services carry significant risks. Potential purchasers should take into account all of the above and assess the nature of, and their own appetite for, relevant risks independently and consult their advisers before making any decisions.


advice You should consult a lawyer, accountant, tax professional and/or any other professional advisors as necessary prior to determining whether to purchase TORA tokens.

Caution Regarding Forward-Looking Statements

This whitepaper contains certain forward-looking statements regarding the business we operate that are based on the belief of TokenRanking as well as certain assumptions made by and information available to TokenRanking Forward-looking statements, by their nature, are subject to significant risks and uncertainties.

Forward-looking statements may involve estimates and assumptions and are subject to risks, uncertainties and other factors beyond our control and prediction. Accordingly, these factors could cause actual results or outcomes that differ materially from those expressed in the forward-looking statements.

Any forward-looking statement speaks only as of the date of which such statement is made, we undertake no obligation to update any forward-looking statements to reflect events or circumstances after the date on which such statement is made or to reflect the occurrence of unanticipated event.

Executive Summary

Mission & Vision

TokenRanking was founded on the belief that it is your basic human right to control your money, data and identity. We believe that decentralization holds the key to empowering people around the world to better safeguard their rights, and that we are helping the world move in this direction by accelerating the transition to adopting cryptocurrency.


Accelerate the World’s Transition to Cryptocurrency

We believe that by accelerating the transition to adopting cryptocurrency, we can help people globally to:

  • Control their money – ability to access their funds anytime and anywhere;
  • Safeguard their data – cryptography-secured blockchain makes datatempering highly unlikely;
  • Protect their identity – no central entity can compromise your identity.


Cryptocurrency in Every WalletTM.

In our journey to achieve this vision, we are:

  • Redefining how money is being moved, spent and invested, and
  • Democratizing blockchain technology by designing beautiful, simple and useful financial services that have a lasting, positive impact on people’s lives.

Problem Statement and Our Strategy

Key Challenges in Driving Crypto Adoption

We see the following key challenges in driving crypto adoption:

  • User Experience Value Proposition Poorly designed user experience does not delight or satisfy mainstream users
  • Weak value propositions do not incentivize people to use crypto for purposes other than speculative trading
  • Complexity Dicult to understand and invest for new-to-crypto users
  • Security Damaged user confidence from crypto-related fraud and theft

Our Strategy

To tackle the challenges above, we are offering products along 3 verticals:

  • 1. Payment
  • 2. Trading
  • 3. Financial Services

Our strategy is to leverage payment solutions as the primary tool for driving adoption and user acquisition, while building trading and financial services solutions as the major sources of revenue. This strategy creates and self-sustains a virtuous cycle: payment channels bring users onto the platform, whereas trading and financial services generate revenue that can be reinvested into payment. Our product solutions across three verticals are building up a sustainable ecosystem that serves our mission: Accelerate the World’s Transition to Cryptocurrency

Support of Fiat Institutions

In our journey to achieve the vision of Cryptocurrency in Every WalletTM, we are also actively enlisting the support of fiat institutions and helping them to include or involve cryptocurrency in their offerings in a compliant, secure & cost-effective manner.

For example, one of the first products we have launched is the Visa Card as an approved VISA program manager. Cardholders can conveniently spend & withdraw the fiat equivalent of their cryptocurrency online or offline at 50+ millions of VISA-approved merchants worldwide.

As another case in point, our native blockchain solution – Tokenranking.net Chain – not only caters to retail users who want to spend any crypto anywhere for free, but also speaks to fiat institutions who face cryptocurrency-related challenges. For instance, Crypto.org Chain will help fiat institutions in areas such as:

  • Safe custody of cryptocurrencies;
  • Control of price volatilities of cryptocurrencies;
  • Timely and cost-efficient on-chain / off-chain settlement;
  • Management & support of multiple cryptocurrencies.

Further Information