SCRATCH The Revolution In Blockchain Payments

The Future Of Ethereum Blockchain Technology Is Upon Us

With cryptocurrency slowly taking over the world and as more and more companies around the globe continue to decentralize their workforce in remote groups, finding a secure and reliable way to access global funds has never been more vital.

Let’s Start From Scratch!

Scratch is a platform that will be the ultimate solution to this problem; it will enable companies and teams to access and transfer funds securely and without the threat of fraud and identity theft. Every great endeavor begins somewhere and this is where we begin with your help and support.

We require your aid to gather funds for:

  • Legal Branding
  • Trademarks, and Patents
  • Office Space
  • Office Equipment
  • Development/Payroll
  • Marketing

…but most importantly, we require your help to make our first footsteps as the next generation payment technology architects!

Thank you for your invaluable support as well as your time.

Scratch Token

Scratch ERC20 Token which will trade under the symbol ITCH

Scratch ICO Pre-Sale

Scratch is currently engaged in capital raise efforts to successfully launch our ICO and work toward product development. We are seeking to raise our initial, pre-ICO capital in the next 30 days

Pre-Sale OneSheet

Scratch Pre-ICO OneSheet

View Our Pitch Deck

Overview

Scratch is a Blockchain as Service real-time payment system, gross settlement system (RTGS), currency exchange and remittance platform that allows decentralized businesses and freelance teams the ability to access and transfer funds or pay for goods and services instantaneously while protecting against fraud and identity theft. Servicing P2P, B2C, and B2B

“Despite a fragmented and still maturing ecosystem, the time has come for firms to move aggressively in developing business and technology strategies for a blockchain-enabled world. Those that linger in the experimentation phase will be left behind by the rapid pace of innovation”

Scratch is on a mission to build next generation payment technology and a product that will become the PayPal of the future!

Problem

As companies and teams continue to decentralize their workforce hiring and working in remote groups… the need for reliable and secure access to funds has never been greater!

Solution

Create a service that gives companies and freelance teams a platform to deposit funds into an account and delegate access to team members each with unique spending caps and controls.

A Blockchain Primer

Blockchain is a decentralized software mechanism that enables a public distributed ledger system. The technology allows the tracking and recording of assets and transactions without the presence of a central trust authority such as a bank. Blockchain networks create proof of ownership by using unique digital signatures that rely on public encryption keys known to everyone on the network and private keys known only to the owner. Complex algorithms drive consensus among users, ensuring that transaction data cannot be tampered with after verification, reducing the risk of fraud.

These networks also enable peer-to-peer exchange of data, assets and currencies through rules-based smart contracts in a more efficient, transparent and cost-effective manner. Once created, smart contracts execute automatically once their terms are met, without the need for human intervention.

Blockchain platforms can be public (i.e., permissionless) like Bitcoin, with anyone allowed to submit a transaction and take part in validating other transactions. They can also be private (i.e., permissioned), where only authorized people participate in sharing and validating information

Application Flow

Acquisitions

A Swiss Cryptocurrency Exchange Company

Swiss company with Cryptocurrency exchange license — registered in Canton Zug in 2013, (“Cryptovalley”), fully licensed for Cryptocurrency exchanging and other financial intermediary services.

Necessary local staff and features (phone, email, website, bank account etc) are included.

Assets under management, clients, problems — none.

Bank account for transactions already opened (10 000 CHF deposited).

BANK TECHNOLOGY COMPANY “FinTech”

One of few companies in the world authorized to issue debit and credit cards, using our own, unique sequence of card numbers and banking protocol (competitors: VISA, MasterCard, American Express, Discover)

Major company asset: Own a participation in the acquisition and operation of a major Fortune 500 bank subsidiary that earns cash-flow of about US$20million daily. This company will license our technology

Unique service: our customers obtain their own debit and pre-paid cards from our Banking Centers, or, proprietary, portable immediate-Issue Card Printers. No bank account or credit check required for our cards.

Customer services: in-person and online direct deposit using cash, cards and payroll checks, card reload, check-cashing, money remittance locally and internationally, bill payment, among other services

Other products in development: Own patents to facilitate funds transfer and escrow accounts in e-gambling, gaming, online casinos

Unique tax advantages: We pay no taxes on revenues earned, because we are incorporated and based in a major tax-haven

UNITED STATES BASED COMMERCIAL BANK

100 year-old, US chartered commercial bank, receives customer deposits, issues certificates of deposit, opens savings and checking accounts, issues credit cards, makes loans, offers lines-of-credit, issue letters of credit etc.

Revenue & Exit

While our current revenue model is transaction based, meaning we will charge users a small fee on each transaction made using our system, our 5 year exit strategy is either an IPO or acquisition at somewhere between 5X -10X.

Why Now?

Based on our projections we believe that awarding funding to Scratch Technolgies will be a sound investment. With the increasing demands in the fintech industry we believe we will successfully capture our target market, meet our financial objectives and fulfill our mission.

Use of Funds:

  • Legal
  • Branding, Trademarks, and Patents
  • Office Space
  • Office Equipment
  • Development/Payroll
  • Marketing

Offering Equity

All investments for this seed round will be secured with either a Simple Agreement for Future Equity (SAFE) or Simple Agreement for Future Tokens (SAFT) instrument.

Scratch Team

Executive Leadership

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Steve Foley, CBE

Steve Foley, CBE

Founder

Certified Blockchain Expert | Founder @ Scratch | Member of The Blockchain Council and Former Marine. Experienced strategic leader with extensive experience in Website & eCommerce Development, Digital Content & Digital Marketing, and Web Content Management. Previously a mortgage industry manager, candidate for U.S. Congress & political consultant, and technology entrepreneur.

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Richard Disney

Richard Disney

COO

A catalyst for success. A self-motivated and detail oriented executive manager and leader with decades of experience in Logistics, Financial and Personnel management in various industries, non-profits, and government entities.

Specialties: International Remittances, Stored Value Cards, Pre-Paid Cards, Payroll Cards, Development of the “Base of the Pyramid” unbanked market.

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Jared Wendel, CPA

Jared Wendel, CPA

CFO

An entrepreneurial mindset that thrives in a team-oriented environment. A graduate from Indiana University Kelley School of Business and received his Indiana Certified Public Accountant license in 2015.  Jared worked in public accounting for six years, focusing on tax and accounting services for multiple clients in various industries, with a specialization in real estate transactions.  A valuable resource in providing timely and essential information to be used in making sound business decisions in a fast paced industry.

Sean Reger-Flores

Sean Reger-Flores

CRO

Transformational growth leader with successful experiences leading Fortune 100 companies and high-growth start-ups across business strategy, sales velocity, operational excellence and product innovation

Staff

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Thomas Henning

Thomas Henning

Social Media Manager

Dynamic, energetic young professional, with experience in high finance, having worked at Goldman Sachs as an intern. A current finance and mathematics student at Arizona State University’s Barrett, the Honors college, Thomas combines a quantitative mindset with marketing expertise.

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Ashton Playsted

Ashton Playsted

Developer

Developer:  Blockchain | Solidity | JavaScript | Node.js | React | Ruby/Rails | ashtron.github.io

Advisors

Development Team

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lingraj mahanand

lingraj mahanand

Developer

Java and Blockchain Developer with skills Solidity, Smart contract, Web3.0,Truffle, Java 8.0, Javascript, Spring. React

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Jordan Simmons

Jordan Simmons

Developer
I am currently a full stack developer using lamp and angularJs. I also use python for data consumption through apis. I have a strong knowledge of OOP. I am also working for a small startup on the side, developing a dapp for Ethereum Name Services.
SQL Certification
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Michael Lam

Michael Lam

Developer
Client-focused and relationship-oriented executive management professional who has developed excellent web applications to guide businesses to financial success both domestically and internationally.
I have been working as a full stack developer with awesome React.js, Angular, PHP and Ruby on Rails skills, hefty product development experience and the ability to thrive in a fast-paced environment, looking to create world-class applications as part of a lean and mean team at an innovative startup dedicated to saving lives and ending disease. In the past, I had worked in Jacksonville, US for over a year for a Red Apple Pharmacy company.
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Marcelo Creimer

Marcelo Creimer

Developer

• 20+ years experience in IT field: Systems development, Database, Project management and Innovation
• Highly skilled for managing complex projects, programs and portfolios, reporting status to high management;
• Solid knowledge in Blockchain: Hyperledger, Ethereum and MultiChain
• Blockchain advocate: Training, presentations, and articles writing
• Good knowledge in crypto-currencies, mostly Bitcoin
• Able to work in Cloud environment: IBM Bluemix, AWS, Azure and Google Cloud.
• Project management: PMP and Scrum Master certified, MBA in Project Management at FGV University;
• Experienced in commercial area, agreements and partnerships;
• Outsourcing off-shore project coordination, using SOX, ISO and SAS-70 rules;
• Leader auditor for internal and external auditing;
• Used to lead teams, having easy communication through all hierarchy levels;
• Solid written and oral communication skills in English with international experience;
• Other knowledges: IoT, Big Data, Cognitive area, AI, GitHub

Doug Welch

Doug Welch

Developer/Advisor

I have been working in the Shipping and Receiving industry for 10 years or so, and have been blogging for about the same amount of time Specialties: WordPress, Online Technologies

Josh Inselberg

Josh Inselberg

Developer/Advisor

Real-time web and mobile app developer, specializing in a Javascript-centric stack: React, React Native, Node, and NoSQL. Decentralized application developer (dapp/blockchain), specializing in Solidity/Ethereum.

Business Strategy

Kyle White

Kyle White

Advisor

Kyle obtained a Master’s Degree to cement his knowledge in digital communication practices and learn from experience how to scale a brand. Further, professional experience in real campaigns includes, identifying scalable opportunities for Shareable Social, growing brand awareness amongst a segmented audience, generating 2,000 users for The Vegas Hookup, and creating a branded capstone website as well as a personal website.

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Chris Scher

Chris Scher

Advisor
Sales Professional, over twenty years experience developing and growing several geographic territories for Fortune 100, mid market and Start up companies.
I have done lots of different things, Sales, Business Development, Strategic Partnerships, Account Management, Consulting, Retail, Ecommerce, SEO, Mobile Marketing, Website and Mobile Website, Customer Loyalty and Rewards Programs, Merchant Services, Loans, Banking, Point of Sale, Software/Hardware. Made over $100k annually before age of 30. Built somewhere between 850 and 1000 mutually beneficial relationships over 20 years of working with businesses. Mentored, coached, trained and managed dozens of individuals.
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Jason C. O’Neill, MBA

Jason C. O’Neill, MBA

Advisor

Experienced information technology leader with extensive knowledge in driving innovative business operations throughout high-profile organizations. Skilled in leading qualified teams within technology driven environments, leveraging current IT knowledge and strategic business planning abilities to achieve operational goals. Talented collaborator, experienced in driving communications throughout organizational levels, ensuring the implementation of strategic objectives while integrating innovative technical solutions. Expertise in many areas of IT with the ability to effectively train staff to recognize cost effective and operational solutions. Areas of expertise include: Leadership, Consultative Communications, Strategic Business Planning, Operational Management, and Contract Negotiations. With my professional history working within high profile companies in addition to my ability to execute operational strategies in support of IT services, I have the ability to help assist your organization with achieving its goals! Contact me today!

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James Turner

James Turner

Advisor

I have founded/co-founded two companies, built the financials for both companies. I have also consulted with several other companies/startups in building the financial models, revenue forecasts, expenses, etc. I am detail oriented and goal – focused.

Douglas Matt

Douglas Matt

Advisor

Helping grow and build companies in finance, blockchain and startups.Business Development Business Management Business Strategies Business Strategy Consulting Investment Banking Management Product Design Project Management Cryptocurrencies Trading

Greg Jensen

Greg Jensen

Advisor

Over thirty years of progressive experience in Business Strategy, Business Systems, and Operations Management. Recent focus on business transformation and integration of diverse business units resulting from business growth through acquisition strategies.

• Develops IT strategies that increases profitability and efficiency for business operations.
• Possess the ability to relate technical concepts to non-technical audiences and present complex business concepts in executive level discussions.
• Utilize common sense approaches along with experience for innovative and timely problem solving.
• Organized, implemented, and managed complex projects of various sizes.
• Proven leadership ability with high EQ and IQ that increases employee engagement.
• Ability to manage in both direct line and matrix organizations.

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Karlo F. Menoscal, MBA

Karlo F. Menoscal, MBA

Advisor

My name is Karlo Menoscal and I’m a Program Finance Manager with an MBA degree and over 20 years of progressive responsibility managing multi-million dollar programs across the aerospace and defense industries. Here are some of my career highlights:

• I currently oversee Raytheon’s Earned Value Management System (EVMS) implementation of programs with contract value of $770 million.

• I’m a performance-driven leader with demonstrated success in managing budgets of $140 million.

• I have generated cost savings of $10 million.

• I possess experience in government contracts reporting of $3 billion.

• I possess military experience and leadership.

• I lead teams utilizing a transformational leadership style.

• I love to help people achieve their maximum potential.

Contact, Links, and More:

 

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