The future of safer driving
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We’re building a new world, where motor insurance will be faster, more fun and cheaper than ever.

Take part in our game-changing idea and get a stake in our success.

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Swiss origin,
approved by SRO

We are proud members of Crypto Valley

Military-grade
security

Award-winning technology core

25 years in the smart insurance business

Developing insurance solutions since 2011

Highly rated

by Blocksmatter
Independent ReportCheck report

Meet Kasko2go!

We sell insurance up to 50% cheaper than any competitor, using technologically profound solutions, and an innovative business model.

Our next step is to become faster and even more secure using blockchain, and create an open, decentralized infrastructure for the motor insurance market.

Traditional insurance process

up to 2 months

Accident

Driver calls insurance company to claim for accident

Driver goes to damage estimation specialist

Driver waits while damage is estimated

And returns to get insurance money

Kasko2go innovative process

under 15 min

Accident

The driver simply opens the mobile app, takes a photo of the accident and receives an insurance
pay out immediately

Genadi Man

Co-Founder, CEO

A deep understanding of blockchain and the insurance industry together with state-of-the-art technology make us globally unique. The consequence of this is disruption of the motor insurance philosophy.

Solving problems

Without Kasko2go

With Kasko2go

Customers

Without Kasko2go

Expensive rates for everyone

Everyone drives differently—but we all pay the same price. Even the safest driver has to pay for the risk of reckless drivers.

With Kasko2go

Individual approach and less cost

We conduct an individual risk assessment using unique mobile telematics technology. Every driver gets an insurance policy corresponding to his personal level of risk, which makes our prices 30–50% lower than our competitors.

Business

Without Kasko2go

Heavy outgoings

It’s a complex, long process, involving a large staff, offices and other expenses.

With Kasko2go

70% less outgoings

Because of the technologies we use, we avoid most of the costs inherent in ordinary insurance companies, while providing the same product.

Community

Without Kasko2go

Stagnant infrastructure

Absence of a safe, shared infrastructure makes for an extended process which is expensive for every insurer.

With Kasko2go

Clarity and protection

We have created a decentralized infrastructure, where every insurer can use our unique risk assessment and fraud detection tools to cut their outgoings, and each party can offer its services under fair conditions.

Our technology

5+ years of researching millions of drivers.

In 2012, we began to analyse driving styles with the help of our GPS app, the maps for which Google subsequently started buying. During that time, our sample size was three million, one hundred and twenty-nine thousand drivers. According to our information, this is the largest dataset in the world for studying driving habits.

Assessment of driver behaviour Profiling trips Telematics platform Remote technical diagnostics Mobile applications Identification / reconstruction of RTA

Israeli technology that we are committed to implement is developed by getmeIns™, it has military-grade approach and has been recognized by major tech awards.

Founded by people with over 25 years of experience in Israeli counter-terrorist service, getmeIns™ is one of the most advanced anti-fraud solution, able to cut 98% of fraud automatically.

Award-winning anti-fraud system:
Grand Prix

@ InsurTech Israel Competition 2017

Finalist

@ FinTech Awards Luxembourg 2017

See the magic - apply for a live technology demo

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Learn more about technology

Blockchain Leadership Summit 2018

The presentation of blockchain company Kasko2go on the startup pitch competition during Blockchain Leadership Summit 2018 in Zurich

GetmeIns pitch at JVP/AXA Insurtech Competition

Eugene Greenberg, CEO of getmeIns™ speaks at the final of JVP Israel Insurtech Competition.

InsureTech Connect 2016 in Las Vegas

Eugene Greenberg (CEO, Click-Ins) and Dmitry Geyzersky (CTO, Click-Ins) presenting getmeIns™ innovative platform for insurance fraud prediction at InsureTech Connect 2016 event in Las Vegas.

Fintech Awards Luxembourg 2017

Eugene Greenberg (CEO, Click-Ins) pitch at FINTECH AWARDS LUXEMBOURG 2017 finals. Click-Ins was nominated a second runner up.

Kasko2go Application Demo

We use cutting-edge technology and a unique business model to sell insurance at up to 50% cheaper than any competitor. Learn more about it here!

Token
infrastructure

Andriy Khavryuchenko

Board Member,
Lead Blockchain Architect
DASH Cryptocurrency Developer

We have created a unique token circulation model, which provides clarity and a quality service, and incentivizes high token utility and turnover rate

Motor insurance purchase

Customer applies for registration. After the risk assessment and fraud prevention procedures, registration is complete, and the contract data is stored in the blockchain. Customer pays the insurance fee based on an individual rate of the pay-as-you-go model.

Claim processing

When the customer submits a claim, fraud detection and claim evaluation take place. When damage is confirmed, the data is transmitted into the blockchain, requests to the liquidity pool and for reinsurance are filed, and then the K2G token amount is unlocked for the customer.

K2G tokens route Information route K2G tokens holders Blockchain Additional services Participate on request Insurance agent Fraud prevention Reinsurance Risk assessment Liquidity pool Buyer Blockchain Claim processing Fraud detection Risk evaluation Reinsurance Service provider Liquidity pool Buyer

Token
information

Symbol / Ticker
K2G
Role of Token
Utility
Token Supply
600 million K2G
Public Token Sale
335 million K2G (67%)
Initial Value
€0.10
Blockchain
Ethereum

Token distribution

From the maximal 600 million K2G tokens

5%
will be distributed to Advisors and Ambassadors
12%
are intended as Incentives for Users of and Contributors to the Kasko2go platform
16%
will be distributed to the Founders and the Team; lock-up period of one year
67%
will be distributed to contributors in the K2G public token sale
15%

15% bonus will be available to open pre-sale investors

Smart contract and ICO wallet developed by Ambisafe – world leader for secure and reliable smart contract solutions

Roadmap

Our plan: from motor insurance on demand to a comprehensive all-vehicles insurance ecosystem in 2.5 years

Today

Kasko2go mobile app already running regions with 25,000 users

Q2 2018

Ethereum-based blockchain

Introduction of K2G token

Launch in Switzerland, Austria, Germany

2019

Scaling business model to adjacent sectors of insurance services

US and EU covered by Kasko2go

Meet us at the following events

22.02

Elevate conference

Kiev, Ukraine

9.03

Blockchain Leadership Summit

Zurich, Switzerland

21.03 – 22.03

Cryptocurrency World Expo

Berlin, Germany

28.03

Crypto Summit 2018

Zurich, Switzerland

18.04 – 19.04

Blockchain Expo Global 2018

London, United Kingdom

20.04 – 22.04

Armenian Blockchain Forum

Yerevan, Armenia

Upcoming
25.04 – 26.04

Blockchain Summit Crypto Valley 2018

Zug, Switzerland

Blog

Team
leaders

Genadi Man

Co-Founder, CEO

Genadi Man

Co-Founder, CEO

Entrepreneur, founder of Telesens KSCL AG—one of the leading telco billing companies worldwide with 1600 employees in 13 countries, responsible for revenue of about EUR 300m. Founded ManOilGroup AG. As the Chairman of the Board Mr Man headed the company which specializes in technologies for large-area treatment of oil spills and oil sludge.

Raj Singh

Co-Founder, Board Member

Raj Singh

Co-Founder, Board Member

Worldwide opinion leader in insurance and financial services with unique expertise in risk across global insurance and financial markets. Served as Chief Risk Officer and a member of the Executive at Standard Life Aberdeen PLC, Swiss Reinsurance Group and the Allianz Group.

Dmitry Bakutin

CEO R-Telematica and Start Kasko2go

Dmitry Bakutin

CEO R-Telematica and Start Kasko2go

Dmitry is responsible for strategic planning, software development, communication with insurance companies throughout the GIS market (except Ukraine and Baltic region). Dmitry managed the cartographic projects which were recently sold to Google.

Eugene Greenberg

CEO Click-Ins Ltd

Eugene Greenberg

CEO Click-Ins Ltd

Founder and CEO of Click-Ins Ltd. Eugene previously served as Chairman of the Supervisory Board of a Life Insurance company and held several leadership positions within the insurance industry prior to this. These 28 years of experience inspired the need to create a unique solution to tackle the main challenge contributing to the decreasing profitability of insurance companies—fraudulent claims. Eugene holds a black belt in taekwondo and hapkido.

Dimitri Wulich

Senior Risk Manager

Dimitri Wulich

Senior Risk Manager

Mr Wulich successfully implemented a large-scale global project to introduce a valuation engine for Risk Assessment of Life Policies. He has more than ten years of experience as Senior Risk Manager with a Leading Global Reinsurance Company. Under his leadership, a unique monitoring functionality for usage and cost of financial market data was initiated, designed and implemented. Mr Wulich also successfully managed the implementation of the cash flow discounting methodology for risk management and economic valuation purposes.

Andriy Khavryuchenko

Board Member, Lead Blockchain Architect

Andriy Khavryuchenko

Board Member, Lead Blockchain Architect

DASH cryptocurrency developer (world top 12, market cap $3.5B), 4 years developing crypto, 26 years in software development. Maintains DASH electrum wallet.

Arina Man

Co-Founder, Board Member

Arina Man

Co-Founder, Board Member

Expert in business and finance. Worked for KPMG Fides in Zurich. Served as a team member of the Commerce section of the Swiss Embassy in Moscow. In 2009, founded the company Vera Capital Advisors AG in Switzerland, focusing on financial and business solutions for Swiss companies.

Dmitry Geyzersky

CTO Click-Ins Ltd

Dmitry Geyzersky

CTO Click-Ins Ltd

Founder and CTO of Click-Ins Ltd and a technology expert and software architect with over 25 years of experience in architecting and implementing high-end scalable solutions with a unique expertise in ontology and Domain Driven Design, Data and Text Analytics, Computer Vision and high-performance computing. Dmitry combines experience of architecting military-grade intelligence and international counter-fraud systems with technology know-how to provide best-of-breed solutions to getmeIns™ developed by Click-Ins. Dmitry previously served as Chief Architect.

Chaim Afargan

Chief Investigator Click-Ins Ltd

Chaim Afargan

Chief Investigator Click-Ins Ltd

Chaim is a retired Israel Police brigadier general. He established the Unit of International Crime Investigations for the Israel Police and served as its Deputy Head. Mr Afargan brings unprecedented experience in complex police and intelligence investigations. Today, Chaim is in charge of formalizing the unique ontology of insurance fraud at Click-Ins.

David Ben Ha’rosh

Investigator, AI Expert Click-Ins Ltd

David Ben Ha’rosh

Investigator, AI Expert Click-Ins Ltd

David is a Law Enforcement Technology Expert. He served as Head of staff at the Counter-Terror Unit in the Israel Police. Mr Ben Ha’rosh combines a deep knowledge of counter-fraud and counter-terror techniques with a very strong background in building artificial intelligence systems for police and military.

Zeev Hazan

COO Click-Ins Ltd

Zeev Hazan

COO Click-Ins Ltd

Zeev is an Information Technology Architect with 26 years of experience. Mr Hazan has served as a Technology Director, Software Architect and Senior IT Consultant for major professional services companies. In 2010 Zeev founded Performit Ltd., an IT architecture and professional services company. Mr Hazan is in charge of operations at Click-Ins.

Dr Evgeny Medvedev

Chief Scientist, Computer Vision and Photogrammetry Click-Ins Ltd

Dr Evgeny Medvedev

Chief Scientist, Computer Vision and Photogrammetry Click-Ins Ltd

The sphere of scientific and engineering interests of Medvedev comprises photogrammetry, remote sensing, map making and aerial topography. Evgeny has hundreds of scientific and industrial publications on LIDAR and photogrammetry technological fusion as well as infrared and multispectral aerial survey methods. The greater part of Dr Medvedev’s activity is computer vision and object recognition systems including DTM (Digital Terrain Model) reconstruction and ground-based infrastructure detection.

Anna Petrova

Insurance Underwriting, Financial Modelling

Anna Petrova

Insurance Underwriting, Financial Modelling

Anna Petrova is a financial planning specialist currently obtaining her postgraduate degree in economics. Anna gained vast experience working as an economist for large and small companies in various industries. Before joining Kasko2go she worked as a financial analyst for software, construction, waste management and investment companies. Anna prepares budgets, develops business plans and analyses financial statements. She also evaluates the economic feasibility of new technology applications.

Nikolay Gora

Head of Project Development

Nikolay Gora

Head of Project Development

After his engineering and business studies and his doctorate in Ukraine, Dr Gora worked as a senior engineer in various technology companies. In addition, the MBA graduate has worked as an R&D manager, marketing and managing director in telecommunication and military companies. As Head of Technology and Operations in waste management company Arva Greentech, Dr Gora’s team transformed the scientific findings of its R&D division into efficient technologies for eco-friendly soil remediation. Dr Gora has 12 years of experience with big scale projects.

Konstantin Kupriyanov

Marketing Communications Director

Konstantin Kupriyanov

Marketing Communications Director

Konstantin is a creative strategist with nine years of marketing background. Former Creative Director at Possible Moscow advertising agency, he holds multiple festival awards, and is currently running his own independent agency 48:00.

Genadi Man

Co-Founder, CEO

Genadi Man

Co-Founder, CEO

Entrepreneur, founder of Telesens KSCL AG—one of the leading telco billing companies worldwide with 1600 employees in 13 countries, responsible for revenue of about EUR 300m. Founded ManOilGroup AG. As the Chairman of the Board Mr Man headed the company which specializes in technologies for large-area treatment of oil spills and oil sludge.

Raj Singh

Co-Founder, Board Member

Raj Singh

Co-Founder, Board Member

Worldwide opinion leader in insurance and financial services with unique expertise in risk across global insurance and financial markets. Served as Chief Risk Officer and a member of the Executive at Standard Life Aberdeen PLC, Swiss Reinsurance Group and the Allianz Group.

Dmitry Bakutin

CEO R-Telematica and Start Kasko2go

Dmitry Bakutin

CEO R-Telematica and Start Kasko2go

Dmitry is responsible for strategic planning, software development, communication with insurance companies throughout the GIS market (except Ukraine and Baltic region). Dmitry managed the cartographic projects which were recently sold to Google.

Eugene Greenberg

CEO Click-Ins Ltd

Eugene Greenberg

CEO Click-Ins Ltd

Founder and CEO of Click-Ins Ltd. Eugene previously served as Chairman of the Supervisory Board of a Life Insurance company and held several leadership positions within the insurance industry prior to this. These 28 years of experience inspired the need to create a unique solution to tackle the main challenge contributing to the decreasing profitability of insurance companies—fraudulent claims. Eugene holds a black belt in taekwondo and hapkido.

Dimitri Wulich

Senior Risk Manager

Dimitri Wulich

Senior Risk Manager

Mr Wulich successfully implemented a large-scale global project to introduce a valuation engine for Risk Assessment of Life Policies. He has more than ten years of experience as Senior Risk Manager with a Leading Global Reinsurance Company. Under his leadership, a unique monitoring functionality for usage and cost of financial market data was initiated, designed and implemented. Mr Wulich also successfully managed the implementation of the cash flow discounting methodology for risk management and economic valuation purposes.

Andriy Khavryuchenko

Board Member, Lead Blockchain Architect

Andriy Khavryuchenko

Board Member, Lead Blockchain Architect

DASH cryptocurrency developer (world top 12, market cap $3.5B), 4 years developing crypto, 26 years in software development. Maintains DASH electrum wallet.

Arina Man

Co-Founder, Board Member

Arina Man

Co-Founder, Board Member

Expert in business and finance. Worked for KPMG Fides in Zurich. Served as a team member of the Commerce section of the Swiss Embassy in Moscow. In 2009, founded the company Vera Capital Advisors AG in Switzerland, focusing on financial and business solutions for Swiss companies.

Dmitry Geyzersky

CTO Click-Ins Ltd

Dmitry Geyzersky

CTO Click-Ins Ltd

Founder and CTO of Click-Ins Ltd and a technology expert and software architect with over 25 years of experience in architecting and implementing high-end scalable solutions with a unique expertise in ontology and Domain Driven Design, Data and Text Analytics, Computer Vision and high-performance computing. Dmitry combines experience of architecting military-grade intelligence and international counter-fraud systems with technology know-how to provide best-of-breed solutions to getmeIns™ developed by Click-Ins. Dmitry previously served as Chief Architect.

Chaim Afargan

Chief Investigator Click-Ins Ltd

Chaim Afargan

Chief Investigator Click-Ins Ltd

Chaim is a retired Israel Police brigadier general. He established the Unit of International Crime Investigations for the Israel Police and served as its Deputy Head. Mr Afargan brings unprecedented experience in complex police and intelligence investigations. Today, Chaim is in charge of formalizing the unique ontology of insurance fraud at Click-Ins.

David Ben Ha’rosh

Investigator, AI Expert Click-Ins Ltd

David Ben Ha’rosh

Investigator, AI Expert Click-Ins Ltd

David is a Law Enforcement Technology Expert. He served as Head of staff at the Counter-Terror Unit in the Israel Police. Mr Ben Ha’rosh combines a deep knowledge of counter-fraud and counter-terror techniques with a very strong background in building artificial intelligence systems for police and military.

Zeev Hazan

COO Click-Ins Ltd

Zeev Hazan

COO Click-Ins Ltd

Zeev is an Information Technology Architect with 26 years of experience. Mr Hazan has served as a Technology Director, Software Architect and Senior IT Consultant for major professional services companies. In 2010 Zeev founded Performit Ltd., an IT architecture and professional services company. Mr Hazan is in charge of operations at Click-Ins.

Dr Evgeny Medvedev

Chief Scientist, Computer Vision and Photogrammetry Click-Ins Ltd

Dr Evgeny Medvedev

Chief Scientist, Computer Vision and Photogrammetry Click-Ins Ltd

The sphere of scientific and engineering interests of Medvedev comprises photogrammetry, remote sensing, map making and aerial topography. Evgeny has hundreds of scientific and industrial publications on LIDAR and photogrammetry technological fusion as well as infrared and multispectral aerial survey methods. The greater part of Dr Medvedev’s activity is computer vision and object recognition systems including DTM (Digital Terrain Model) reconstruction and ground-based infrastructure detection.

Anna Petrova

Insurance Underwriting, Financial Modelling

Anna Petrova

Insurance Underwriting, Financial Modelling

Anna Petrova is a financial planning specialist currently obtaining her postgraduate degree in economics. Anna gained vast experience working as an economist for large and small companies in various industries. Before joining Kasko2go she worked as a financial analyst for software, construction, waste management and investment companies. Anna prepares budgets, develops business plans and analyses financial statements. She also evaluates the economic feasibility of new technology applications.

Nikolay Gora

Head of Project Development

Nikolay Gora

Head of Project Development

After his engineering and business studies and his doctorate in Ukraine, Dr Gora worked as a senior engineer in various technology companies. In addition, the MBA graduate has worked as an R&D manager, marketing and managing director in telecommunication and military companies. As Head of Technology and Operations in waste management company Arva Greentech, Dr Gora’s team transformed the scientific findings of its R&D division into efficient technologies for eco-friendly soil remediation. Dr Gora has 12 years of experience with big scale projects.

Konstantin Kupriyanov

Marketing Communications Director

Konstantin Kupriyanov

Marketing Communications Director

Konstantin is a creative strategist with nine years of marketing background. Former Creative Director at Possible Moscow advertising agency, he holds multiple festival awards, and is currently running his own independent agency 48:00.

Advisors

Denis Dovgopoliy

Investor Relations Advisor

Denis Dovgopoliy

Investor Relations Advisor

Denis Dovgopoliy is a managing partner of GrowthUP Group, as well as co-founder and president of the GrowthUP Accelerator, which focuses on acceleration and investment in Eastern European startups looking to enter the global market. He has designed a 45-hour authorial course, partially licensed by various regional accelerators for tech entrepreneurs. Prior to GrowthUP Group, Denis held C-level positions and completed several exits with Ukrainian companies.

David Braun

Sales Advisor

David Braun

Sales Advisor

David Braun is a public activist and serial IT entrepreneur. In May 2002, he co-founded TemplateMonster. As CEO of TemplateMonster for 15 years, he launched numerous IT projects.

Marcus Tuor

Financial Advisor Kasko2go AG

Marcus Tuor

Financial Advisor Kasko2go AG

Marcus is a co-founder and member of the executive board of Controva AG (controva.ch).

Paul van Coillie

Reinsurance Advisor

Paul van Coillie

Reinsurance Advisor

International multilingual reinsurance and insurance specialist with business experience in Europe, Asia, Africa, Middle East and the US. Consultant in insurance and reinsurance projects, MGAs, run-off, captives and protected cell operations as well as online insurance.

Igor Pertsiya

Strategic Advisor

Igor Pertsiya

Strategic Advisor

New business director at UAMASTER digital agency and CMO at Blockchain eSports project ESM.one. Marketing Advisor on numerous blockchain projects.

Fedor Skuratov

Community Management Advisor

Fedor Skuratov

Community Management Advisor

Co-founder & CEO of Combot, the biggest community management, analytics and marketing platform for Telegram messenger. Online communities since 2007. In 2015 this leads him to founding the Russian Community Management Association which connects over 2000 Russian and CIS community managers. He has also worked for various companies as an in-house community or social media manager, from real estate developer with over 35,000 employees to gamedev companies.

Denis Dovgopoliy

Investor Relations Advisor

Denis Dovgopoliy

Investor Relations Advisor

Denis Dovgopoliy is a managing partner of GrowthUP Group, as well as co-founder and president of the GrowthUP Accelerator, which focuses on acceleration and investment in Eastern European startups looking to enter the global market. He has designed a 45-hour authorial course, partially licensed by various regional accelerators for tech entrepreneurs. Prior to GrowthUP Group, Denis held C-level positions and completed several exits with Ukrainian companies.

David Braun

Sales Advisor

David Braun

Sales Advisor

David Braun is a public activist and serial IT entrepreneur. In May 2002, he co-founded TemplateMonster. As CEO of TemplateMonster for 15 years, he launched numerous IT projects.

Marcus Tuor

Financial Advisor Kasko2go AG

Marcus Tuor

Financial Advisor Kasko2go AG

Marcus is a co-founder and member of the executive board of Controva AG (controva.ch).

Paul van Coillie

Reinsurance Advisor

Paul van Coillie

Reinsurance Advisor

International multilingual reinsurance and insurance specialist with business experience in Europe, Asia, Africa, Middle East and the US. Consultant in insurance and reinsurance projects, MGAs, run-off, captives and protected cell operations as well as online insurance.

Igor Pertsiya

Strategic Advisor

Igor Pertsiya

Strategic Advisor

New business director at UAMASTER digital agency and CMO at Blockchain eSports project ESM.one. Marketing Advisor on numerous blockchain projects.

Fedor Skuratov

Community Management Advisor

Fedor Skuratov

Community Management Advisor

Co-founder & CEO of Combot, the biggest community management, analytics and marketing platform for Telegram messenger. Online communities since 2007. In 2015 this leads him to founding the Russian Community Management Association which connects over 2000 Russian and CIS community managers. He has also worked for various companies as an in-house community or social media manager, from real estate developer with over 35,000 employees to gamedev companies.

Partners

Press about us

Raj Singh: Blockchain isn't just about Bitcoin

Kasko2go is an auto insurance application based on cutting-edge technologies which is set to create the community of safe drivers

Kasko2go – Affordable motor insurance solution using modern blockchain technology

Kasko2go believes its decentralized ecosystem can replicate the features of a traditional insurance company – but at a fraction of the cost.

The team of world-class experts aims to empower and modernize this business, all in accordance with the highest Swiss standards.

The swiss-based company use military grade AI tech and telematics to provide safe drivers with a decentralized app that accepts cryptocurrency payments for their car insurance.

Swiss Startup Kasko2go Launches World’s First Blockchain-Based Auto Insurance App, Where Safe Drivers Receive Low-Cost Insurance

New Era of Auto Insurance: What Emerges at the Intersection of Traditional Business & New Technologies

It's complicated to disrupt the $5bn insurance industry, but it is possible to innovate it

Raj Singh, an Executive at Standard Life Aberdeen PLC, becomes a board member and shareholder of Kasko2go - innovative & digital collision insurance solution on demand.

The Kasko2go application has been successfully tested in Eastern European countries, having 25 000 users. From April 15 Kasko2go will become the first motor insurance application to accept payments in cryptocurrency.

There are three major issues: fraud, heavy infrastructure and costliness, and equally high prices for everybody. Situation requires an innovative solution, which is now being provided by Kasko2go application.

Kasko2go — a blockchain technology-based car insurance startup with a unique trick up its sleeve: military-grade anti-fraud technology that the company says goes way beyond insurance fraud detection.

Frequently asked questions

Do we already have an application?

Our application is in use by 25,000 people. You can download the latest version of the app in the AppStore or GooglePlay. And our development team is constantly working on updates.

Why do we use blockchain technologies?

Blockchain provides us with the technology that makes insurance faster, cheaper, safer and fairer. First, we prevent fraud by filing each claim in a blockchain, which makes double-claiming close to impossible.

Next, paying out with K2G tokens allows reduction of transaction costs compared to traditional payment methods; and therefore we offer lower prices. Also, transactions are faster.

Finally, placing the agreement in smart-contracts ensures trustworthy conditions and purchase protection.

Ultimately, we have created a competition-encouraging marketplace for insurance services, giving a fair-price incentive to participants.

Will insurance become more expensive as the token value grows?

No, the token quantity stays the same while the ecosystem grows. More market participants means competition, means lower prices. Simultaneously, each new participant indicates demand growth.

Why have we created a competitive environment?

We benefit from competition for several reasons. We benefit from infrastructure growth as new agents come in. This promotes the infrastructure and invites new participants into the system with a fixed token quantity. Simultaneously, our technologies are, at present, unique, offering the most profitable solutions for customers. Transparent competition gives us the incentive to expand with new developments.

What is the K2G token and how does it work?

The Kasko2go token (K2G) will be the fuel of the Kasko2go ecosystem used by customers and Kasko2go third-party business partners worldwide. For each drive conducted via the Kasko2go platform, the K2G token will be used. The use of blockchain will allow Kasko2go to uniquely identify insurance assets and transfer the information to other types of businesses via a digital record.

What is the price of a K2G token?

€0.10 for the pre-sale moment. After pre-sale the K2G price will depend on market conditions.

Which currencies will be accepted on the launch of the token?

BTC, ETH, EUR, and USD.

What benefits do K2G token holders have?

One of our most important benefits is immediate access to the fast processing system, which means insurance claims are paid promptly, unlike traditional payment systems.

What are the Restricted Countries?

Citizens of the USA, China, North Korea and Iran are prohibited to buy tokens

What will happen to unsold tokens?

They won’t be issued.

Where is our team based?

We have a big international team. The asset management and strategic planning departments are based in Liechtenstein. The Business Operations Department is in Switzerland; fraud detection system development is in Israel; R&D and software development, and sales and business operations are in Russia.

Why do you make an ICO instead of traditional investing?

CAC (Customer Acquisition Cost) is the main customer acquisition cost indicator in the insurance sector. On the global average, CAC varies from EUR 500 to EUR 1000 per customer.

The goal of Kasko2go is to acquire one million customers in three years. The total minimum CAC budget would be EUR 500 million on the traditional insurance model. No venture capital fund finances a customer acquisition budget in the amount of a minimum EUR 500 million. The only solution to help achieve the goal set by the Kasko2go management of acquiring a certain number of customers in the given time limit (1 million over three years) is a token-using blockchain. Tokens serve here as a tool for rewarding new and retaining existing customers.

This is our tool to effectively reduce CAC.

According to our financial plan, our CAC budget is as follows:

1. 100 million tokens for the customer reward programme and

2. EUR 5.7 for traditional marketing costs within CAC

This budget will help to reach the first 400,000 users. This corresponds to EUR 200 million of costs for CAC in the traditional insurance business model.

We have developed a mathematical model to put a limited number of tokens into blockchain circulation. The token circulation under the reward programme increases their market demand.

Thus, tokens become an attractive asset even for those using our application in demo mode. In the years following, the customer reward programme will be gradually reduced by increasing token demand while expanding the number of users up to 1 million.