Invest | Plan | Reward

BITERRA
CAPITAL

Financial solutions for the 99%

Designed to incentivize & reward healthy financial & wellness behavior.

Global Debt:

237

U.S. Consumer Debt:

3.873

Government Debt:

22

PROBLEMS AND SOLUTIONS

Problem

A DEBT BASED ECONOMY

Traditional banking and financial institutions have engaged in an ongoing campaign of capitalizing on the 99%. Encouraging individuals to amass large sums of debt and profiting from unhealthy financial behavior.

Problem

BURDEN OF FINANCIAL STRESS

Driven by a lack of care for consumer-well being, financial institutions overlook the impact of financial stress affecting a personal health. The constant feeling of never ending debt can lead to chronic stress, depression and other unhealthy behavior.

Problem

FINTECH OVERLOAD

Individuals have embraced and adopted fintech as a solution to building wealth. Yet, many consumers oversaturate themselves with technology – using multiple apps and platforms, becomes overwhelmed and actually decreases result and engagement.

Solution

ALTRUISTIC USER FIRST ECONOMY

Reverse the debt cycle – empower and incentivize individuals to take control of their finances. Biterra is an ecosystem that thrives alongside the positive effects of its members. When a user is spending less, meeting their goals and investing more – the Biterra Ecosystem grows. Inturn enhancing reward output.

Solution

WELLNESS INITIATIVES

The first financial platform to raise awareness of the link between personal finance and an individual’s physical and behavioral health. When an individual is in a stronger and healthier frame of mind, they can easier empower themselves to take action.

Solution

THE HUBSPOT OF FINANCE

Biterra Capital links savings directly to investing. Fewer steps, fewer logins and fewer apps to manage your finances. Creating a path of least resistance for our users. Allowing for direct action of one’s money within one platform.

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Token Distribution

Wealth Management

INVEST

Biterra Capital | Invest, allows individuals at any point of their financial journey, to create 100% customizable and personalized portfolios that matter. It’s not always about just saving for retirement, it’s about creating options that are meaningful to you now and in the future. With Biterra’s Robo Advisory at the helm – you never have to make a trade, generating wealth is automated and done for you.

Smart & Adaptable A.I.

  • Cryptocurrency & Fiat Investing
  • 100% Customizable & Personalized Portfolio Creation
  • Algorithmic Robo Trading
  • Time lock portfolios
  • Low Minimum Investing
Token Distribution
Token Distribution

A.I Financial Planner

PLAN

The average person spends more time in the “lue,” than they do managing their finances. We understand, money is a major priority … but we also understand it’s time consuming, confusing, boring, and stressful at best. This is why, Biterra’s A.I. Financial Planner empowers users to take small daily interactions with their finances that can change your financial future.

A.I. Financial Planner

  • Automate your Finances
  • A.I. Financial Calendar
  • Behavioral Spending Analysis
  • Directly move savings to investing at a click of a button
  • Poor spending notifications
  • Incentivized savings challenges
Token Distribution
Token Distribution

Gamification & Tokenized Rewards

REWARD

When an individual is financially healthier they can be physically and mentally healthier. They can improve and empower new aspects of their lives that may be overlooked due to financial burden. (Bigger goals, bigger dreams, bigger paychecks, Greater Life Experience). A helpful “nudge” to complete tasks, challenge yourself and achieve your goals can result in actual monetary rewards.

Smart & Adaptable A.I.

  • Financial Rewards
  • Wellness & Behavioral Rewards
  • Social Responsible Rewards
  • Challenges
  • Leaderboard
  • Group Rewards
Token Distribution
Token Distribution

Token Sale

Token Distribution

KYC Required. Specific Jurisdictions unable to participate. Unsold tokens are burned.

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Token Distribution
Token Distribution

Hold. Stack. Activate.

TOKEN FEATURES

Anyone can use the Biterra Platform. It’s when you “Hold” BTRA, “Stack” BTRA or “Activate” BTRA that you unlock enhanced value and added benefits. (Lower fees, P2P lending, enhanced rewards and gamification, and more) Making a commitment to yourself and the community.

Stellar Blockchain

Lightning fast transactions, Transparency & Trust, High level security and a shared altruistic-mission with Stellar Foundation to maximize an individual’s potential.

Tokenized Rewards

Unlike earning rewards for spending, users earn BTRA based rewards for positive financial, behavioral and societal decisions.

BTRA Holder Benefits / Token Activation

BTRA token holders receive benefits such as lower fees. “Token Activations” like an Amazon Prime Subscription provides full-access and enhanced user benefits.

Smart Contracts

Stellar smart contracts enable Biterra to securely offer “group investing portfolios” and “Peer-to-Peer loans” based on behavior analysis + investment holdings.

Token Distribution
Token Architecture
Automate Your Financial Future

Platform Technology

Leveraging an Artificially Intelligent Platform, no user experience is the same just as no individuals finances are the same – Adapting to a users financial journey

Modernized Onboarding

Changing the investment details the 21st century.

Artificial Intelligence

Adaptable A.I. allows for a smarter financial journey

Behavioral Sciences

Supporting and rewarding positive behaviors

Data Ownership

Blockchain based data and you hold the key

Gamification

With Repetition and Rewards. Actions become Habit.

Security

Data privacy and financial security

Token Architecture
The Founders

Meet the Team

Team Members

Leveraging an Artificially Intelligent Platform, no user experience is the same just as no individuals finances are the same – Adapting to a users financial journey.

team-mem-2

Matthew Estremera

Founder

Muhammad S Tahir

Muhammad S Tahir

Chief Technology Officer

Johnny

John Kmetz

Head of Media and Partnerships

Sebastian

Sebastian Fainbraun

Chief Financial Officer

Tim

Tim Hesselsweet

Lead Portfolio Manager / Data Scientist

Tucker3

Tucker Logan

Lead Blockchain Developer

MattHosburgh

Matthew Hosburgh

Chief Security Officer

people

Join the team

Contact us below!

people

Join the team

Contact us below!

The Founders
Advisors and Investors

Rich with Experience

Advisors

Leveraging an Artificially Intelligent Platform, no user experience is the same just as no individuals finances are the same – Adapting to a users financial journey.

Elizabeth

Elizabeth McCauley

Blockchain

Cynthia Harrington

Cynthia Harrington, CFA

Behavioral Tech

team

You ?

Become An Advisor

Advisors and Investors
Token Roadmap

Roadmap

High Level Roadmap

This roadmap explains the journey and future of Biterra Capital

Q1 2018 - Q3 2018

Project Conception

Biterra Capital has come a long way from a simple robo-advisor.
- Initial Concept Validated / Launch Biterra Capital
- Business Model Established
- Initial Founding Members
- V1 Whitepaper completed

Q4 2018

Refocus & Strategic Planning

Given changes in the fundraising landscape it was time to adapt
- Refocus and expand on original concept
- Invest | Plan | Reward Concept Validation and Support
- Team Expansion

Q1 2019

Strategic Alignment and Launch Development

Kicking off 2019, Biterra Capital has it's site set on success:
- New website & Materials
- App design
- Financial partners in place
- Launched early development
- Preparation for Seed Fundraising

Q2 2019

Seed Funding and Beta Development

- Investor Relations
- Finish and Market test prototype
- Start product waitlist campaign
- Development of functioning Beta
- Pre-launch marketing



Q3 2019

Launch Beta Test & Structure Token Sale

- Registered Investment Advisor (RIA)
- Beta Launch (Limited acceptance based on waitlist)
- User testing and surveys
- Legal and regulatory framework
- Investor relations
- Strategic token sale alignments

Token Roadmap
Partnerships

Join The Biterra Community

Become a Partner

Biterra seeks to establish strong relationships with financial, wellness and societally driven companies and solutions that empower individuals and benefit our users.

Partnerships
The Press

Blog / News

Latest Blog Post

As seen on

The Press
The Press

Videos

Our Recent Videos

The Press

(Testing) It is a long established fact that a reader will be distracted by the readable content of a page when looking at its layout. The point of using Lorem Ipsum is that it has a more-or-less normal distribution of letters, as opposed to using 'Content here, content here', making it look like readable English.

(Testing) It is a long established fact that a reader will be distracted by the readable content of a page when looking at its layout. The point of using Lorem Ipsum is that it has a more-or-less normal distribution of letters, as opposed to using 'Content here, content here', making it look like readable English.

(Testing) It is a long established fact that a reader will be distracted by the readable content of a page when looking at its layout. The point of using Lorem Ipsum is that it has a more-or-less normal distribution of letters, as opposed to using 'Content here, content here', making it look like readable English.

(Testing) It is a long established fact that a reader will be distracted by the readable content of a page when looking at its layout. The point of using Lorem Ipsum is that it has a more-or-less normal distribution of letters, as opposed to using 'Content here, content here', making it look like readable English.

Testing "Learn more" under Platform | Artificial Intelligence

(Testing) It is a long established fact that a reader will be distracted by the readable content of a page when looking at its layout. The point of using Lorem Ipsum is that it has a more-or-less normal distribution of letters, as opposed to using 'Content here, content here', making it look like readable English.

(Testing) It is a long established fact that a reader will be distracted by the readable content of a page when looking at its layout. The point of using Lorem Ipsum is that it has a more-or-less normal distribution of letters, as opposed to using 'Content here, content here', making it look like readable English.

(Testing) It is a long established fact that a reader will be distracted by the readable content of a page when looking at its layout. The point of using Lorem Ipsum is that it has a more-or-less normal distribution of letters, as opposed to using 'Content here, content here', making it look like readable English.

(Testing) It is a long established fact that a reader will be distracted by the readable content of a page when looking at its layout. The point of using Lorem Ipsum is that it has a more-or-less normal distribution of letters, as opposed to using 'Content here, content here', making it look like readable English.