uCard Business Plan: uCard-ATM RWA Project

Project Name: uCard-ATM RWA Project
Date: October 26, 2023   uCard  优卡网络科技有限公司  uCard Technology Ltd
Prepared by: uCard-ATM Management Team (A Joint Initiative by Rainbow Partners & WoniPay)

1. Executive Summary

The uCard-ATM RWA Project is an innovative initiative to deploy a global network of cryptocurrency ATMs (BTMs) and create a tokenized Real-World Asset (RWA) backed by the income streams generated. We will place ATMs supporting USDT, USDC, BTC, and ETH in high-traffic retail locations—including convenience stores, shopping malls, bars, and restaurants—across key international markets (Hong Kong, Thailand, UAE, USA, Canada, Switzerland). Our core business model is a profit-sharing partnership with venue owners, turning their space into a profitable financial services terminal. The project will leverage the existing compliance infrastructure of Rainbow Partners (TCSP) and WoniPay's payment rails. A key innovation is the tokenization of the ATM network's revenue, creating a tradable RWA that provides project funding and allows investors to gain exposure to the growing crypto ATM market.

2. Company Description

• Parent Entities: This project is a strategic initiative under the existing Joint Venture between Rainbow Partners and WoniPay.

• Mission: To build the world's most accessible and trusted network of cryptocurrency ATMs, bridging the gap between physical cash and digital assets, while creating a novel, income-generating RWA for investors.

• Legal Structure: The project will be structured as a separate entity, utilizing Rainbow Partners' TCSP capabilities for corporate and trust services, and WoniPay's licenses for transaction processing in various jurisdictions.

• Core Value Proposition: For Users: Easy, instant access to buy/sell major cryptocurrencies with cash. For Venue Partners: A new, passive revenue stream. For Investors: A stable, yield-generating RWA token backed by a diversified global asset.

3. Market Analysis

• Industry Overview: The global crypto ATM market is growing rapidly, driven by increasing crypto adoption and the need for easy on/off-ramps. The market is currently fragmented, with significant opportunities for a compliant, well-branded network.

• Target Markets (Tiered Approach):

  1. Tier 1 (Establishment): USA, Canada, Switzerland. Mature markets with high crypto awareness and established regulatory frameworks.

  2. Tier 2 (Growth): UAE, Hong Kong. Progressive regulatory environments and high concentrations of wealth and tourism.

  3. Tier 3 (Expansion): Thailand. An emerging market with rapid crypto adoption and a massive tourist economy.

• Competitive Advantage:

  1. RWA Tokenization Model: First-mover advantage in creating a liquid investment vehicle from ATM cash flows.

  2. Integrated Compliance: Leveraging existing TCSP and multi-jurisdictional VASP licenses for seamless operations.

  3. Prime Location Strategy: Profit-sharing model incentivizes top-tier venues to partner with us over competitors.

  4. uCard Ecosystem Synergy: ATM users can be directly onboarded to the uCard and WoniPay ecosystem.

4. Organization & Management

• Project Lead: [Dedicated Project Manager]

• Advisory Board: Mr. Wen Ping (Strategic Vision, Global Compliance), Rainbow Partners (Legal & Trust Structure), WoniPay (Payment Processing & Technology).

• Operations Team: Regional managers for each target country, responsible for hardware deployment, maintenance, and partner relations.

• Compliance & Finance: Managed centrally, utilizing the parent JV's established frameworks for AML/KYC, transaction monitoring, and financial reporting.

5. Services & Products

1. Crypto ATM Hardware Services:

   • Two-way ATMs (Buy & Sell) supporting USDT, USDC, BTC, and ETH.

   • User-friendly interface with multi-language support.

   • Integrated AML/KYC verification systems compliant with local regulations.

2. Venue Partner Program:

   • Model: Profit-sharing agreement (e.g., 50/50 split of net transaction fees).

   • Value to Partner: Passive income, increased foot traffic, and a modern, innovative brand image.

   • Support: We provide the machine, installation, maintenance, marketing materials, and 24/7 support.

3. uCard-ATM RWA Token:

   • Asset: A security token representing a share of the net revenue generated by the entire global ATM network.

   • Distribution: A pre-determined percentage of all ATM fees will be pooled and distributed to token holders periodically (e.g., monthly).

   • Backing: The token is backed by the real, tangible income from a diversified portfolio of physical assets (the ATMs).

   • Custody & Compliance: The token issuance and custody will be managed under the Rainbow Partners TCSP trust structure, ensuring regulatory compliance.

6. Marketing & Sales Strategy

• Primary Audience (Venue Partners): Owners of 7-Eleven, FamilyMart, Watsons, major shopping malls, popular bars/restaurants in tourist districts.

• Sales Pitch: "Turn your empty corner into a profit center. Host our ATM and earn money from the crypto economy with zero effort or cost."

• Marketing Channels: Direct sales, partnerships with retail franchise HQs, attendance at hospitality trade shows.

7. Financial Projections

• Revenue Streams:

  • Transaction Fees from ATM users (Buy/Sell spread + fixed fee).

  • Fees from RWA token issuance and secondary market transactions.

• Cost Drivers:

  • Hardware procurement and installation.

  • Cash logistics (for sell-function ATMs).

  • Venue partner profit share.

  • Compliance, maintenance, and marketing.

• Profitability: Projected to reach positive cash flow per machine within 6-12 months, depending on location volume. The RWA token sale will provide capital for rapid, capital-efficient scaling.

Product Marketing Plan: uCard-ATM RWA Project

Product: uCard-ATM Network & RWA Token
Marketing Period: Year 1

1. Executive Summary

This plan outlines the marketing strategy to achieve two primary goals: 1) Rapidly deploy 500+ ATMs in Year 1 by signing high-quality venue partners, and 2) Successfully launch the uCard-ATM RWA token to fund expansion. Our strategy is dual-pronged, targeting B2B (venue owners) and B2I (Investors) with tailored messages that highlight profitability, compliance, and innovation.

2. Situational Analysis (SWOT)

• Strengths: Existing compliance framework, proven WoniPay technology, strong brand association with uCard, innovative RWA model.

• Weaknesses: High initial capex, logistical complexity of global hardware deployment, need for continuous regulatory monitoring.

• Opportunities: Massive gap in compliant, user-friendly crypto access in emerging markets, growing institutional interest in RWA.

• Threats: Regulatory shifts in target countries, volatility in crypto markets affecting usage, competition from other ATM operators.

3. Marketing Objectives (SMART)

1. Sign 250+ venue partnership agreements across all target countries within 12 months.

2. Deploy and operationalize 500+ uCard-ATMs by the end of Year 1.

3. Achieve $5 Million in RWA Token Sale to fund Phase 2 expansion.

4. Marketing Strategy

• Target Markets:

  • B2B: Convenience store chains, mall management companies, franchise groups in F&B.

  • B2C/Crypto Users: Tourists, freelancers, unbanked/underbanked populations, general crypto enthusiasts.

  • B2I (Investors): Crypto funds, RWA-focused investors, high-net-worth individuals seeking stable yield.

• Positioning: "The Most Accessible and Trusted Crypto Network, Powered by Real-World Profits."

• Marketing Mix (4Ps):

  • Product:

    • ATM: Branded as "uCard-ATM". Emphasize support for stablecoins (key for tourists and remittances).

    • RWA Token: Branded as "uCard-ATM RWA Token". Positioned as a stable-yield, asset-backed investment.

  • Price:

    • ATM Fees: Competitive with local market rates.

    • Venue Share: Aggressive but sustainable profit-share (e.g., 50%) to secure prime locations.

    • RWA Token: Priced to offer an attractive yield compared to traditional fixed income.

  • Place:

    • ATMs: High-footfall locations: airports, central business districts, tourist hotspots, university areas.

    • RWA Token: Initially offered through a private placement, then on the WoniPay exchange and other compliant VASPs.

  • Promotion:

    • For Venue Partners: "Be a Crypto Hub" package with clear ROI calculations. Partner referral bonuses.

    • For Users: Launch promotions (e.g., "Zero Fees for First Transaction"). Locator app and website. Geo-targeted digital ads near ATM locations.

    • For Investors: Professional whitepaper detailing the RWA structure and revenue model. Roadshows in financial hubs (Dubai, Hong Kong, Zurich). Targeted content marketing on RWA and passive income.

5. Tactics and Action Plan (Quarterly)

• Q1: Foundation & Launch

  • Finalize ATM hardware supplier.

  • Secure first 50 pilot locations in the UAE and Hong Kong.

  • Begin legal structuring for the RWA token.

  • Develop all marketing collateral (website, partner brochure, investor deck).

• Q2: Scale & Awareness

  • Launch pilot ATMs with PR campaign.

  • Begin aggressive B2B sales push in Thailand and USA.

  • Announce the uCard-ATM RWA Token to the market.

  • Start investor roadshows.

• Q3: Expansion & Token Sale

  • Execute RWA Token Sale.

  • Use capital to fund mass deployment in Canada and Switzerland.

  • Launch user-focused marketing campaigns ("Travel with Crypto" campaign in Thailand).

• Q4: Consolidation & Growth

  • Achieve 500-ATM milestone.

  • Issue first RWA token dividend/distribution.

  • Plan Phase 2 (new countries, additional cryptocurrencies).

6. Budget and Metrics

• Key Performance Indicators (KPIs):

  • Number of ATMs Deployed

  • Monthly Transaction Volume per ATM

  • Venue Partner Acquisition Cost

  • RWA Token Sale Conversion Rate

• Budget Allocation:

  • 40% - Sales Team & B2B Partner Acquisition

  • 30% - Digital & PR Marketing (User Acquisition)

  • 20% - Investor Relations & RWA Token Launch

  • 10% - Contingency

BTM stands for Bitcoin ATM—a specialized hardware terminal designed to facilitate the direct exchange of fiat currency (e.g., USD, HKD, EUR) for cryptocurrencies (primarily Bitcoin, but often extended to other major tokens like USDT, ETH, etc.) and vice versa.

Core Definition & Purpose of BTMs

BTMs bridge the gap between "physical cash" (or traditional payment methods like debit/credit cards) and "digital cryptocurrencies," making it easy for users to buy or sell crypto without relying on online exchanges (which often require complex account setup, waiting periods, or technical knowledge).

While the name originally focused on Bitcoin (the first and most widely adopted cryptocurrency), modern BTMs (including those in your uCard-ATM RWA project) typically support a broader range of "mainstream" cryptos (e.g., USDT, USDC, ETH) to meet user demand for stablecoins (low-volatility digital assets pegged to fiat) and other popular tokens.

Key Functions of a BTM (How It Works)

BTMs operate similarly to traditional bank ATMs in terms of user experience but are tailored for crypto transactions. A typical workflow includes:

1. User Verification (KYC/AML Compliance)To meet global financial regulations, BTMs require identity verification (e.g., scanning a government-issued ID, passport, or driver’s license; some may also use facial recognition). This prevents money laundering or illegal activity—critical for projects like uCard-ATM that prioritize compliance.

2. Transaction Selection (Buy or Sell Crypto)

   • Buy Crypto: Users insert cash (or link a debit/credit card) and select the cryptocurrency they want to purchase. The BTM calculates the amount of crypto the user will receive (after deducting transaction fees) and sends the crypto directly to the user’s personal wallet (users usually scan a QR code for their wallet address).

   • Sell Crypto: Users send crypto from their wallet to the BTM’s designated address. Once the transaction is confirmed on the blockchain, the BTM dispenses cash (or transfers fiat to the user’s linked bank account) minus fees.

3. Fee StructureBTMs generate revenue through transaction fees (typically 3–8% of the transaction value, higher than online exchanges due to the convenience of in-person access) and sometimes spread (the difference between the "buy price" and "sell price" of crypto offered by the BTM).

Key Features of Modern BTMs (Like uCard-ATM's)

• Multi-Currency Support: Beyond Bitcoin, they handle stablecoins (USDT, USDC—critical for tourists or users seeking low volatility) and major altcoins (ETH).

• User-Friendly Interface: Touchscreens with multi-language support (e.g., English, Chinese, Thai for uCard-ATM’s target markets) to lower barriers for non-technical users.

• Integration with Crypto Ecosystems: Some BTMs (like uCard-ATM) link to broader platforms (e.g., uCardPay’s payment network), allowing users to later use their purchased crypto for everyday payments (e.g., buying goods at partner stores).

BTM vs. Traditional Bank ATMs: Key Differences

Table :  3 columns 

1 Aspect

2 BTM (Crypto ATM)

3 Traditional Bank ATM

Assets Handled

Fiat currency ↔ Cryptocurrencies

Fiat currency (deposits, withdrawals)

Transaction Outcome

Crypto sent to user's wallet / Cash dispensed

Fiat added to/removed from bank account

Compliance Focus

KYC/AML for crypto regulations (e.g., US MSB, Hong Kong VASP rules)

Banking regulations (e.g., anti-fraud)

Revenue Model

Transaction fees + spread on crypto prices

Bank fees (e.g., out-of-network withdrawals)

Role of BTMs in the Crypto Ecosystem

BTMs are critical for crypto adoption because they:

• Make crypto accessible to "offline" users (e.g., tourists without local bank accounts, individuals uncomfortable with online exchanges).

• Provide a "trustworthy, in-person" touchpoint for users wary of digital-only crypto services.

• Enable "cash-in/cash-out" (CICO) for crypto— a key use case for emerging markets (e.g., Thailand in uCard-ATM’s plan) where cash remains widely used.

In summary, BTMs are the physical "gateway" between traditional finance and crypto, and their network (like the one uCard-ATM aims to build) forms the backbone of a more accessible, compliant crypto economy—with the added innovation of RWA tokenization to let investors share in the revenue from these machines.

优卡网络科技 - 商业计划书  uCard-ATM RWA Business Plan

项目名称： uCard-ATM RWA项目
日期： 2026年10月10日  优卡网络科技有限公司   uCard Technology Ltd
制定方： uCard-ATM 管理团队

1. 执行摘要

uCard-ATM RWA项目是一个创新计划，旨在全球部署加密货币ATM（BTM）网络，并将产生的收入流通证化为现实世界资产（RWA）。我们将在高人流量零售点（包括便利店、购物中心、酒吧和餐厅）部署支持USDT、USDC、BTC和ETH的ATM，覆盖香港、泰国、阿联酋、美国、加拿大、瑞士、日本及韩国等关键国际市场。我们的核心商业模式是与场地所有者建立利润分成合作伙伴关系，将他们的空间转变为盈利的金融服务终端。该项目将利用现有的合规基础设施和UCardPay的支付网络。一个关键创新是将ATM网络收入通证化，创建一个可交易的RWA，为项目提供资金，并让投资者能够接触到不断增长的加密ATM市场。

2. 公司描述

• 母实体： 此项目是现有合资架构下的战略举措。

• 使命： 建立全球最易访问、最受信任的加密货币ATM网络，弥合实体现金与数字资产之间的差距，同时为投资者创造一种新颖的、产生收益的RWA。

• 法律结构： 该项目将构建为一个独立实体，利用持牌信托或公司服务提供者（TCSP）的能力进行公司和信托服务，并利用UCardPay在各个司法管辖区的牌照进行交易处理。

• 核心价值主张： 对用户：使用现金轻松、即时买卖主要加密货币。对场地合作伙伴：新的被动收入流。对投资者：由多元化全球资产支持的、稳定且产生收益的RWA通证。

3. 市场分析

• 行业概述： 全球加密ATM市场增长迅速，由加密采用率提高和对便捷出入金渠道的需求驱动。目前市场分散，为合规、品牌良好的网络提供了重要机遇。

• 目标市场（分层方法）：

  • 第一层级（成熟市场）： 美国、加拿大、瑞士。成熟市场，加密意识高，监管框架完善。

  • 第二层级（增长市场）： 阿联酋、香港、日本、韩国。监管环境进步，财富和旅游集中度高。

  • 第三层级（扩张市场）： 泰国。新兴市场，加密采用迅速，旅游经济规模巨大。

• 竞争优势：

• 1. RWA通证化模式： 在从ATM现金流创造流动性投资工具方面具有先发优势。

  2. 集成合规性： 利用现有的TCSP和多司法管辖区VASP牌照实现无缝运营。

  3. 优质区位策略： 利润分成模式激励顶级场所与我们合作，而非竞争对手。

  4. uCard生态系统协同效应： ATM用户可直接加入uCard和UCardPay生态系统。

4. 组织与管理

• 项目负责人： [ Dena 专职项目经理]

• 顾问委员会：  TT Dena 先生（战略愿景、全球合规）、TCSP持牌机构（法律与信托结构）、UCardPay（支付处理与技术）。

• 运营团队： 每个目标国家的区域经理，负责硬件部署、维护和合作伙伴关系。

• 合规与财务： 集中管理，利用现有合资架构已建立的AML/KYC、交易监控和财务报告框架。

5. 服务与产品

1. 加密货币ATM硬件服务：

   • 双向ATM（买卖）支持USDT、USDC、BTC和ETH。

   • 用户友好界面，支持多语言。

   • 集成符合当地法规的AML/KYC验证系统。

2. 场地合作伙伴计划：

   • 模式： 利润分成协议（例如，净交易费的五五分成）。

   • 对合作伙伴的价值： 被动收入、客流量增加、现代化创新品牌形象。

   • 支持： 我们提供机器、安装、维护、营销材料和24/7支持。

3. uCard-ATM RWA通证：

   • 资产： 一种证券型通证，代表整个全球ATM网络产生的净收入份额。

   • 分配： 所有ATM费用的预定百分比将汇集并定期（例如每月）分配给通证持有人。

   • 支持： 该通证由来自多元化实物资产（ATM）组合的真实、有形收入支持。

   • 托管与合规： 通证的发行和托管将在TCSP信托结构下管理，确保监管合规。

6. 营销与销售策略

• 主要受众（场地合作伙伴）： 7-Eleven、FamilyMart、Watsons等便利店，大型购物中心管理方，旅游区热门酒吧/餐厅的所有者。

• 销售说辞： "将您的空闲角落变为盈利中心。托管我们的ATM，零成本、零投入即可从加密经济中赚取收入。"

• 营销渠道： 直销、与零售特许经营总部合作、参加酒店业贸易展览会。

7. 财务预测

• 收入来源：

  1. 来自ATM用户的交易费（买卖价差 + 固定费用）。

  2. 来自RWA通证发行和二级市场交易的费用。

• 成本驱动因素：

• • 硬件采购和安装。

  • 现金物流（针对具卖出功能的ATM）。

  • 场地合作伙伴利润分成。

  • 合规、维护和营销。

• 盈利能力： 预计每台机器在6-12个月内实现正现金流，具体取决于区位交易量。RWA通证发售将为快速、资本高效的扩张提供资金。

产品营销计划：uCard-ATM RWA项目

产品： uCard-ATM网络与RWA通证
营销周期： 第一年

1. 执行摘要

本计划概述了实现两个主要目标的营销策略：1) 通过签署高质量的场地合作伙伴，在第一年快速部署500多台ATM；2) 成功推出uCard-ATM RWA通证以资助扩张。我们的策略是双管齐下，针对B2B（场地所有者）和B2I（投资者）定制信息，突出盈利能力、合规性和创新性。

2. 情境分析（SWOT）

• 优势： 现有合规框架、经过验证的UCardPay技术、与uCard的强品牌关联、创新的RWA模式。

• 劣势： 高昂的初始资本支出、全球硬件部署的物流复杂性、需要持续监管监控。

• 机会： 新兴市场在合规、用户友好的加密访问方面存在巨大空白、机构对RWA的兴趣日益增长。

• 威胁： 目标国家的监管变化、加密货币市场波动影响使用量、其他ATM运营商的竞争。

3. 营销目标（SMART原则）

1. 在12个月内在所有目标国家签署250份以上场地合作伙伴协议。

2. 在第一年底部署并运营500台以上uCard-ATM。

3. 完成500万美元的RWA通证发售，为第二阶段扩张提供资金。

4. 营销策略

• 目标市场：

  • B2B： 便利店连锁、商场管理公司、餐饮特许经营集团。

  • B2C/加密用户： 游客、自由职业者、无银行服务/银行服务不足人群、普通加密爱好者。

  • B2I（投资者）： 加密基金、关注RWA的投资者、寻求稳定收益的高净值人士。

• 定位： "最易访问、最受信任的加密网络，由现实世界利润驱动。"

• 营销组合（4Ps）：

  • 产品：

    • ATM： 品牌为"uCard-ATM"。强调对稳定币的支持（对游客和汇款至关重要）。

    • RWA通证： 品牌为"uCard-ATM RWA通证"。定位为稳定收益、资产支持的投资。

  • 价格：

    • ATM费用： 与当地市场价格具有竞争力。

    • 场地分成： 积极但可持续的利润分成（例如50%）以确保黄金地段。

    • RWA通证： 定价为相比传统固定收益提供有吸引力的收益率。

  • 渠道：

    • ATM： 高人流量的地点：机场、中央商务区、旅游热点、大学区。

    • RWA通证： 最初通过私募发行，然后在UCardPay交易所及其他合规VASP上交易。

  • 推广：

    • 对场地合作伙伴： "成为加密枢纽"套餐，附带清晰的ROI计算。合作伙伴推荐奖金。

    • 对用户： 推出促销活动（例如"首笔交易零费用"）。定位器应用程序和网站。在ATM地点附近进行地理定向数字广告。

    • 对投资者： 详细说明RWA结构和收入模式的专业白皮书。在金融中心（迪拜、香港、苏黎世）举行路演。针对RWA和被动收入进行定向内容营销。

5. 战术与行动计划（季度）

• 第一季度：基础与启动

  • 确定ATM硬件供应商。

  • 在阿联酋和香港确保首批50个试点地点。

  • 开始RWA通证的法律结构设计。

  • 制作所有营销资料（网站、合作伙伴手册、投资者演示文稿）。

• 第二季度：规模扩张与意识提升

  • 通过公关活动启动试点ATM。

  • 在泰国和美国开始积极的B2B销售推广。

  • 向市场宣布uCard-ATM RWA通证。

  • 开始投资者路演。

• 第三季度：扩张与通证发售

  • 执行RWA通证发售。

  • 利用资金资助在加拿大和瑞士的大规模部署。

  • 启动面向用户的营销活动（在泰国开展"带着加密货币旅行"活动）。

• 第四季度：巩固与增长

  • 实现500台ATM的里程碑。

  • 进行首次RWA通证分红/分配。

  • 规划第二阶段（新国家、附加加密货币）。

6. 预算与指标

• 关键绩效指标：

  • 部署的ATM数量

  • 每台ATM的月交易量

  • 场地合作伙伴获取成本

  • RWA通证发售转化率

• 预算分配：

  • 40% - 销售团队和B2B合作伙伴获取

  • 30% - 数字与公关营销（用户获取）

  • 20% - 投资者关系和RWA通证启动

  • 10% - 应急费用