What are BitMinutes?

BitMinutes are the first prepaid airtime token to provide low-cost financial services to the world's two billion unbanked consumers. BitMinutes serve as the universal cryptocurrency for enabling global telecommunications providers, retail merchants and a network of trusted agents to offer free money transfer and guaranteed loans to six billion cellphone users.

BitMinutes Information

BitMinutes were developed by award winning* P2P Cash Technology, Inc. They are convertible to cash in 70 countries through the P2P Cash global financial network.

*Two-time SWIFT Innotribe Award Winner, Harvard Business School (HBS) Top 10 Global Startup



BILLION $$$ In Money Transfer Fees TO SAVE consumers


BitMinutes Services

BitMinutes combine and enable the following:

Free Money Transfer    

Guaranteed micro lending

Prepaid airtime

Retailer Benefits: The Trusted Agent Network (TAN)

BitMinutes turn the corner retailer into the corner banker. BitMinutes empowers retailers to recruit other retailers and customers, enabling the creation of the Trusted Agent Network or TAN ecosystem. This social marketing strategy builds off the success that made M-Pesa the de facto standard for payments in Kenya.

Significantly Increase Foot Traffic

Guaranteed Loans and Free Money Transfer programs increase customer visit frequency and spend

Provide key goods and services your customer base needs

New Financial Services Revenue

Corner retailers become corner bankers

Revenue from issuing Guaranteed Loans and Money Transfer administration

Trusted Agent Network

Social marketing opportunity enabling non-retailers and individuals to become Trusted Agents

Low-Interest Loans based on TAN Score*

*TAN Agent Must Hold BitMinutes in Escrow to Qualify

BitMinute Advantages

BitMinutes are Better Than Bitcoin for Billions of Unbanked Consumers:

BitMinutes Western Union Bitcoin
User Transfer Fees Zero 10% ~1% Fx Conversion
Direct Bank Deposit Yes Yes No
Retail Locations* 26 M 0.5M No
Prepaid Top Ups Yes No No
Inherent Value Yes No No
AML & KYC Yes Yes No

*Potential MasterCard Locations

get BitMinutes now!

a world class team

BitMinutes attracted top tier talent from across the world. The management team is composed of entrepreneurs and executives with decades of experience in financial services and technology.

Click on the image to get more information about the Team Member and get to know us:

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    Tom Meredith, CEO

    Stanford Engineer, Harvard MBA

    Mr. Meredith has significant internet, financial services and telecommunications experience. He started his computer career with Digital Equipment Corporation When the first 32-bit architecture was introduced. He was one of the original team of Franklin Computers, the first Apple clone manufacturer, and managed 11 Western states including over 800 retailers. Additionally, he was the Federal Systems Director for Lisp Machine, a leading artificial intelligence company.

    Mr. Meredith then founded VoxLink and led the company for seven years to become a leading innovator for voicemail and email integration. He founded one of the first online gaming companies, Internet Gaming; responsible for processing the first significant volume of credit cards internationally on the Internet. Additionally, Mr. Meredith has years of experience consulting to the financial services industry, primarily in automation of mortgage and credit/debit card processing.

    Mr. Meredith is a graduate of the Harvard Business School specializing in Entrepreneurial Studies and the Stanford University School of Engineering where he graduated in three years on Academic Scholarship. He has a working knowledge of French and Spanish.

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    Morris Mwanga, CTO

    Moi University, Kenya, Kennesaw University, Masters Computer Science

    Mr. Mwanga is one of the world’s leading and most experienced financial technology entrepreneurs. Prior to pursuing an advanced degree in Computer Science, Mr. Mwanga developed financial exchange and mobile wallet technology in Sub-Saharan Africa. During this period, Mr. Mwanga acquired extensive banking integration expertise complementing his previous experience with mobile communications technology; both key components of mobile wallet technology that is changing mobile financial services delivery globally. He led the entire BitMinutes development effort overseeing both the programming staff and all outsourced integration activities. In addition to his mobile wallet development management expertise, Mr. Mwanga has over 12 years in direct programming experience. He is a holder of a bachelor’s degree in computer engineering and a master’s degree in computer science. Mr. Mwanga is also a Certified Information Systems Security Professional (CISSP).

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    John Tomlinson, CFO

    Georgetown BSBA, Harvard MBA

    Mr. Tomlinson is a Senior Financial executive with extensive experience in international operations and finance. He also has experience in international marketing and business development, M & A, SEC reporting, and MIS. He has both MBA and CPA certifications. Prior to joining P2P, Mr. Tomlinson was Chief Financial Officer for several companies, both public and private, including the following: Die Casters International, Florida Hydro, and Delta Technologies and American Industrial Acquisition Corporation, a $1.3+ billion revenue investment firm. He is a graduate of Georgetown University (BSBA) and Harvard Business School.

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    Peter Carruthers, Head of Banking, Compliance & Foreign Exchange

    Fordham MBA, NFA Licensed

    Mr. Carruthers’ career spans 25 years advising Fortune 500 and institutional clients on FX risk management. He focuses on providing highly effective, innovative FX solutions to long-term clients. Mr. Carruthers practiced FX advisory for 15 years at Citibank, the last six years as Director of Capital Markets. He also worked at Credit Suisse/First Boston, Bank of Nova Scotia and Royal Bank of Scotland. Mr. Carruthers received his Bachelor of Science in Finance and a minor in Accounting at Manhattan College, and MBA from Fordham University. He has been registered for NFA Series 3, and FINRA series 7 and 63 designations.

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    Kern Lewis, Head of Marketing

    Stanford, Harvard MBA

    Mr. Lewis is a veteran marketing professional with 25 years of experience in financial services. Prior to joining P2P, he spent eight years directing marketing programs for World Savings and CMG Mortgage. At World Savings he led efforts that doubled customer retention rates in the face of intense competitive pressures during the refinancing boom. At CMG he directed the introduction of the Home Ownership Accelerator loan product, which created a profitable new niche in the mortgage industry. To support the product launch, he led recruitment efforts that attracted and trained over 10,000 loan agents in a two-year period. Mr. Lewis began his career with American Express in their merchant services division, tasked with deepening merchant acceptance by attracting new merchants, and developing programs to retain and expand existing merchant relationships. He left AmEx to manage credit card marketing for Great Western Bank before dedicating two years to serve as a business educator and small business advisor in Ukraine and Albania with the United States Peace Corps. Mr. Lewis has an MBA from Harvard Graduate School of Business and a BA in Economics from Stanford University.

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    Don Chapman, Head of Business Development

    Babson MBA

    Mr. Chapman is a financial services technology and payments professional with over 15 years of experience in consulting, IT and business development. Prior to joining P2P he helped establish and launch a real-time global payments network (PayNet) for Fidelity National Information Services (FIS), a Fortune 500 financial technology firm. He also spent eight years in corporate consulting, working with clients like Prudential Financial, Discovery Communications, Wyeth Pharmaceuticals and Ocean Spray Cranberries. Mr. Chapman graduated from Providence College where he was a Division 1 NCAA lacrosse player and member of the Dean’s List. He earned his MBA with an Investments Concentration from Babson College’s F.W. Olin School of Business; ranked #1 in Entrepreneurship by U.S. News and World Report.

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    Amadeo Radillo, Head of Latin American Operations

    Universidad Tecnológica de México, Masters

    Mr. Radillo is an experienced bilingual (English, Spanish and Portuguese) and bicultural senior financial and payments executive with over 25 years in the FinTech and Financial Services industry. Prior to BitMinutes, Mr. Radillo was the Chief Executive Officer of the Financial Services Group at the World Council of Credit Unions (WOCCU Services Group) in Madison WI/Washington DC. While acting as the CEO of WOCCU Services Group, Amadeo developed and maintained the corporate objective to expand World Council mobile financial services footprint for credit unions worldwide through online and digital innovation and product development with focus on payments switches, issuing cards and mobile solutions. Mr. Radillo developed new, and improved existing, customer relationships in Ecuador, Mexico, Peru, Bolivia, Colombia, Costa Rica, Guatemala, Paraguay, Panama and Dominican Republic. Before joining WOCCU Services Group, Mr. Radillo served as Corporate Finance Manager and Latin America Product General Manager for Vesta Corporation. While at Vesta, Mr. Radillo developed and implemented payment platforms, technical infrastructure, pricing and financial models for the mobile business; providing international finance, best practice operation business guidance in a case by case basis and enriched the banking and commercial relations with in the Latin America financial industry.

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    Peter Krause, Head of Engineering

    Rensselaer Polytechnic Institute, BS

    Mr. Krause has had over 25 years of software development experience. His code has powered small startups to enterprise-level systems at IBM, Intel, and AT&T. Most of his experience is in telecommunications, from device-level Voice over IP to routing thousands of simultaneous international calls.

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    Juan Soto, Head of Merchant Relations

    Florida International University, BBA

    Mr. Soto is a senior payment industry veteran; his entire career spent in the point-of-sale, transaction processing and merchant acquiring marketplace. Most recently, Juan founded Tesoro Payment Solutions, a merchant services and consulting practice targeting the Hispanic and underbanked markets in the US. Juan has held senior sales management and business development positions in different industry verticals including stints at Fleetcor (fleet card issuer & processor), Planet Payment (dynamic currency conversion processor), Noblett & Associates (payment technology consultancy), Chase Merchant Services & NaBANCO (credit card merchant acquiring), and IVI Checkmate/Ingenico (POS equipment manufacturer). Juan holds a Bachelor's Degree in Business Administration from Florida International University in Miami, Florida where he majored in Finance and Marketing. He also holds technical and pre-engineering associate degrees and is fluent in Spanish.

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    George Iacovacci, Head of Social Media

    Michigan State University

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    Atin Ganti, Software Engineer

    University of Illinois at Urbana-Champaign

Advisors and Investors

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    Leonard H. Schrank

    Former CEO of SWIFT

    Leonard Schrank was from 1992 to 2007 CEO of SWIFT, the Brussels based industry owned global financial messaging system which supplies secure standardized financial messaging services and interface software to some 8,000 financial institutions in 200 countries. SWIFT is overseen by a senior committee drawn from the G-10 central banks given its critical role in international payments. Following the attacks of September 11, 2001 Mr. Schrank oversaw the relationship with the US Treasury Department and other countries on counter-terrorism issues. Mr. Schrank, an MIT graduate, currently serves on a number of international boards including leading international bank, HSBC.

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    Brian W. Smith

    Former in-house counsel at MasterCard and the OCC

    Mr. Smith has a 42-year involvement in the financial services industry. His roles have included as SVP General Counsel and Corporate Secretary of MasterCard International where he was a member of the Office of the President; as Chief Counsel and Member of the Policy Group of the Office of the Comptroller of the Currency and, as a senior partner in several multinational law firms – most recently Latham & Watkins, LLP - where he headed those firms’ financial regulatory practices. He is a member of the Boards of Directors of several companies and of a charitable foundation. Mr. Smith is a recognized expert in the laws and regulations applying to banks and other financial services firms and in payments systems and products.

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    Tim Draper

    Founder at Draper Associates/DFJ/Draper University

    Mr. Draper is Founder: Draper Associates and DFJ. Founder Draper Venture Network. Global VC. Original Innovation: Viral Marketing. Venture Successes: Skype, Baidu, Tesla, Overture, Theranos, Parametric, Hotmail, Twitch.tv. Founder: Draper University of Heroes, Masters school for entrepreneurs.

  • DavidDrake

    David Drake

    David Drake is the Chairman of LDJ Capital

    Mr. Drake, through his family office LDJ Capital, has acted as GP & LP investors with his partners in fund-of-funds, realty funds, venture capital funds & hedge funds. Mr. Drake's investments currently have 50+ global directors that maintain relations with institutions & family offices with $1.5 trillion in assets.

  • Max Smetannikov

    Max Smetannikov

    Max Smetannikov is the CEO of Marlboro Victor Group

    Max is a career media executive knowledgeable of every facet of the industry and consistently landing ahead of the trends.

BitMinutes ICO Summary

Token BitMinutes
Symbol BTM
Technology Smart Token over Ethereum
Date January 1, 2018
Tokens Authorized 10 Billion
ICO Tokens Available 3 Billion
Escrowed Tokens
Future Loans 5 Billion
Prepaid Minutes 2 Billion
Price $.01 USD
Benefits Free Money Transfer and Guaranteed Loans for 4 Billion Consumers in 70 Countries


Here are the Frequently Asked Questions:

Two (2) Billion consumers are ignored by the global banking community due to banks’ inability to cost-effectively offer financial services for small, sub-$100 accounts. BitMinutes offers Guaranteed Loans as small as $5 using prepaid minutes as collateral for the loan. This turns the corner retailer into the corner banker, leveraging global distribution networks of millions of retailers.
BitMinutes (BTM) have a number of significant advantages over Bitcoin.
Identification: BitMinutes usage includes identification, while Bitcoin does not. All BTM users are KYC identified according to global Anti-Money Laundering standards.
Tracking: BitMinutes usage is tracked from the minute it is issued to a specific person to whomever it is sent to and however it is used. This includes whether it is consumed by conversion into prepaid minutes, conversion into cash or used as micro-loan collateral.
Global Standards: BitMinutes are based on global banking standards (ISO 20022). This makes BTM easily transferable between existing global clearing networks (SWIFT, MasterCard) and emerging blockchains (Ripple, Ethereum).
Customization: BitMinutes can be white labeled encouraging third party issuance by large global networks such as the telco carriers with over 6 billion clients.
Guaranteed Liquidity in 70 Country Currencies: We will be releasing an affiliated and commission free secure online exchange to facilitate the worldwide trading of BTM.
Currency Stability: BitMinutes has established a Treasury function to keep currency volatility to a minimum.
With BitMinutes, retailers have several ways to make money. They can sell BitMinutes just like regular prepaid minutes. Or they can lend BitMinutes. This is where it gets interesting. Because BitMinutes are an asset-backed token, they can be used as collateral for microloans. All we require from the consumer is to buy BitMinutes which are used as the loan collateral. We will lend $5 to anyone with a valid ID. We believe this will drive significant traffic to the retailers and give them an ongoing revenue stream from participating in the interest paid on the loans.
With BitMinutes, retailers have several ways to make money. They can sell BitMinutes just like regular prepaid minutes. Or they can lend BitMinutes. This is where it gets interesting. Because BitMinutes are an asset-backed token, they can be used as collateral for microloans. All we require from the consumer is to buy BitMinutes which are used as the loan collateral. We will lend $5 to anyone with a valid ID. We believe this will drive significant traffic to the retailers and give them an ongoing revenue stream from participating in the interest paid on the loans.
Retailers can also recruit other retailers as their sub-agents to broaden their BitMinutes network. This multilevel marketing approach is what made M-Pesa in Kenya so successful.
Carriers know they need to differentiate their services and are seeking ways to offer financial services to their customers. Carriers prepaid minute offerings are already, in essence, crypto-currencies. What they lack is: 1) Convertibility into cash. 2) The ability to be used as collateral for lending. BitMinutes solve both these problems. Consequently, we are currently in negotiations with several multi-national carriers to either distribute BitMinutes or white label BitMinutes as their own brand.
Consumers can convert their BitMinutes into cash and deposit into their bank account anytime IN 70 countries, either online or with our Mobile App. Un-banked clients can withdraw cash from any participating Trusted Agent Network (TAN) retailer.
TAN, the Trusted Agent Network, turns the corner retailer into the corner bank. TAN is co-branded with retail networks. TAN Agents use BitMinutes to guarantee consumer micro-loans. Plus, any retailer or individual can become a TAN agent. TAN agents can recruit other TAN Agents to create their own network marketing organization. This creates entrepreneurial financial service jobs wherever a cellphone has signal -- from local neighborhoods in megacities, to remote communities around the world.
Our lending platform uses artificial intelligence to create a Trusted Agent Network (TAN) credit score based upon the consumers’ social media “footprint” and phone usage data. Since we create a secure identity when they open their account, they would not be able to open up a new account with any other TAN Agent until they paid back the original loan.
BitMinutes travel over the global P2P Cash settlement network linking over 2 billion bank and mobile accounts in over 70 countries. We work with a global telco aggregator to deliver prepaid minutes to 4 billion mobile phones. BitMinutes leverages the work done by P2P Cash using ISO 20022 as an interoperability standard between SWIFT, MasterCard, and two major blockchain networks, Ripple and Ethereum.
Everex is the closest we have seen who wants to address the same un-banked market. Our key advantages over them are multiple:
Operational Today: The global P2P Cash network has been operational for over 3 years. BitMinutes were built over a year ago and have been in operation as part of that under-lying global network.

Global Standards: BitMinutes are designed on global ISO banking Standards and therefore will not be easily replaced by “new” technology
Global Financial Contracts: BitMinutes have international distribution partner contracts spanning 70 countries. The contracts alone took years to develop and implement as every country treats money transfer and lending with different laws and regulations.
Virtual MasterCard: We have a global MasterCard issuer ready to issue virtual MasterCard accounts. This will allow Mom in Mexico to purchase internationally from any Internet café using her BitMinutes.
You can buy BTM using Bitcoin, Ether or USD by bank check or bank wire.
BitMinutes can always be exchanged for Bitcoin and Ether, which can then be converted to cash at any crypto-currency exchange. Additionally, P2P Cash will offer BTM cash out service via its global distribution network in 2018.

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BitMinutes Technology and Distribution Partners