Unlocking the World of Digital Token Investments

Investors can participate in digital token offerings based on projects launched by issuers or companies that offer digital tokens through the Kubix platform.

Kubix's role is to screen and verify the projects of token issuers. Only projects that are credible and have suitable fundraising structures will be selected.

_{*Please note that investing in digital assets carries risks, and investors should conduct thorough research before making investment decisions.}

Similarities:

Both cryptocurrencies and digital tokens offered through Kubix are considered "Digital Assets" according to the definition provided by the Securities and Exchange Commission (SEC). They are created and operate on electronic networks.

Differences:

• Purpose: Cryptocurrencies serve as a medium of exchange for goods, services, or other rights. On the other hand, digital tokens offered through Kubix, also known as "Investment Tokens," aim to provide investment opportunities in projects or ventures.
• Benefits of Ownership: Investors holding digital tokens for investment purposes through Kubix are entitled to a share of income or profits generated by the underlying project or asset. They may also have specific rights to receive exclusive goods or services, as outlined in the project's whitepaper.
• Risk and Price Volatility: Cryptocurrencies generally exhibit high price volatility and their valuation may not be clearly defined. In contrast, digital tokens offered through Kubix are typically backed by existing assets, and their whitepapers clearly specify the expected returns and distribution. This approval from the SEC contributes to a clearer valuation, resulting in lower price volatility compared to cryptocurrencies. However, this depends on the design of the fundraising structure for each digital token.

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Prepare for investing in digital tokens with Kubix by following these steps:

1. Download the Kubix mobile application: Install the Kubix app on your mobile device.
2. Open an account with Kubix: Register and verify your identity through the NDID system. To do this, you need to register your NDID with a partnering bank. You can find additional steps and information on "NDID Registration and Identity Verification for Opening an Account with Kubix."
3. Open an account with Kasikorn Bank: Create an account with Kasikorn Bank and register to use the K PLUS app on the same mobile device as the Kubix app. This will prepare you for making payment for the token reservation.

Note: If you don't have an account with Kasikorn Bank or haven't registered to use the K PLUS app, you can visit a branch or open an account online. You can find additional steps and information at "https://kasikornbank.com/th/personal/Digital-banking/Pages/k-esavings-account-opening-have-no-kplus.aspx."

By completing these preparations, you will be ready to invest in digital tokens through Kubix.

Investors can easily open an account themselves from start to finish on the Kubix application, taking approximately 15-30 minutes*, without the need to visit a branch. This enables a quick and efficient account opening process.

*(Except in some cases where Kubix requires additional verification of investor information)

What you need to have when creating an account with Kubix:

• National ID Card information, including the laser code at the back of the card.
• Bank account information and a photo of the account book.
• Register and verify your identity using the NDID system on a supported mobile banking application. You can view the list of banks that support NDID for identity verification in the "NDID Registration and Identity Verification to Open an Account with Kubix" section.

The account creation process with Kubix consists of the following steps:

1. Identity Verification:
   i) Verify your identity through the NDID system.
   ii) Scan your face.
   iii) Provide additional necessary investor information.
   iv) Accept the terms and conditions for service provision.
2. Link Bank Account:
   Link your bank account for refund purposes in case you make a reservation but do not receive an allocation or only receive a partial allocation.
3. Create or Link Token Wallet:
   Create or link a token wallet to receive allocated digital tokens.
4. Complete the Knowledge test:
   Complete a test to demonstrate your understanding of investing in digital assets before investing in digital tokens.

Investors must complete all four steps in order to be able to reserve and purchase digital tokens with Kubix.

Recommendation: Please ensure that you complete the account creation process within the same day it is initiated, as the system cannot store investor data if the account opening process is not completed by the end of the day, in order to maintain the security of investor data.

NDID Identity Verification is a digital identity verification service through the National Digital ID (NDID) system, allowing individuals to register and access various government and private services, including creating an account with Kubix, all online without the need to visit physical branches or offices.

To verify their identity and create an account with Kubix through the NDID system, investors need to fulfill the following conditions:

• Have an existing bank account with a bank that supports NDID registration and have previously verified their identity using the national ID card (Dip chip).
• Have registered and used the mobile banking application of the bank mentioned in condition 1.
  If investors have not completed conditions 1 and 2, they will not be able to register for the NDID service.

Once investors have successfully registered for the NDID service with one of the supporting banks, the following steps are involved in the identity verification process with Kubix through the Kubix mobile application:

• Select the bank they want to use for NDID identity verification within the Kubix app.
• Go to the mobile banking app of the chosen bank to verify the NDID service within 60 minutes.
• Return to the Kubix app to proceed with the next steps of identity verification.
   

Recommendation: Please refer to the list of supporting banks and their specific NDID registration periods. 

1. Go to the "Profile" menu and select "Apply as a High-net-worth Investor."
2. Choose the eligibility criteria that match your status as a high-net-worth investor.
3. Submit the required documents for the application to Kubix for evaluation. You can upload the documents through the application or send them via email to contact.us@kubix.co.
4. Wait for the notification and approval message from Kubix through the app.

The eligibility criteria to apply as a "Ultra High-net-worth Investor" involve financial status and knowledge/experience criteria set by the Securities and Exchange Commission (SEC).

Financial Status Criteria (Choose one):

• Annual income of at least 6 million Baht.
• Investments in securities valued at least 15 million Baht, including deposits of at least 30 million Baht.
• Net assets of at least 60 million Baht, excluding the current residence value.

Knowledge/Experience Criteria (Choose one):

• Experience in financial management and investment.
• Investment advisor or planner.
• Certification in finance-related courses.
• Knowledge and understanding of digital assets.
• Experience in investing in high-risk assets.

Recommendation: To ensure you don't miss the opportunity to reserve tokens of your interest, it is advisable to apply as a "High-net-worth Investor" before the token offering period, as Kubix requires time for document evaluation and approval.

Investors need to create an account with Kubix and complete necessary steps in Kubix App.

Token reservation and purchase process includes:

1. Select the desired token project and the quantity of tokens to reserve and purchase.
2. Confirm the bank account and wallet information to receive the digital tokens.
3. Proceed to make the payment through the K PLUS app of Kasikornbank. (Currently, payment is supported only through this channel, but we will expand to other bank channels in the future.)
4. Return to the Kubix app to check the successful reservation and purchase.

*Note that a successful reservation and purchase does not guarantee token allocation. Investors will have to wait for the token allocation process after the fundraising period ends. The allocation process follows the guidelines specified in each project's whitepaper.

For investing in digital tokens, investors need a wallet to store the tokens they hold. Investors are required to create a wallet with Kubix to receive and securely store the tokens they acquire through the reservation of digital tokens via the Kubix mobile application.

Once the wallet is created, investors can access the details and manage the tokens they hold within the wallet through the Kubix mobile application.

*Please note that Kubix Wallet is a separate service from the digital token offering platform and is not under the supervision of the regulatory authority (ก.ล.ต).

You can learn more about wallets and digital asset storage at https://www.kubix.co/news-articles/wallet-introduction/.

Kubix Wallet is a non-custodial wallet, also known as a private wallet. This means that only the investor who owns the wallet has access to and control over the tokens stored in their wallet. This provides a high level of security and privacy for the investor's tokens, as they are protected from potential hacks or unauthorized access. The assets held in the investor's wallet are solely owned by the investor themselves. Even Kubix as a company cannot access or manage the assets in the investor's wallet.

You can learn more about wallets and digital asset storage at https://www.kubix.co/news-articles/wallet-introduction/.

Seed Phrase, also known as the recovery phrase, is a secret code used to recover both the wallet and the tokens stored in it in the following scenarios:

1. When an investor needs to change their mobile device due to device malfunction, loss, or theft.
2. When an investor deletes the Kubix application from their original device and installs it again.

When the investor logs in to the Kubix application on a new device or on the same device with the newly installed application, they will need to use the Seed Phrase to restore their original wallet and tokens.

The Seed Phrase is generated by randomly combining a set of 12 English words and is stored only on the device you are currently using. This ensures the privacy of token management. The investor is the only person who knows and is responsible for the Seed Phrase.

Kubix does not have a policy of storing or accessing the investor's Seed Phrase, and cannot see or retrieve the Seed Phrase stored on the investor's device.

In the event that an investor loses their Seed Phrase, they will not be able to access the tokens in their wallet anymore, and Kubix cannot assist in recovering the Seed Phrase.

If the investor still has access to their current device, they can retrieve the Seed Phrase by navigating to the "Profile" > "Wallet" > "View Seed Phrase" menu in the Kubix application.

However, if it becomes necessary to change devices to access the Kubix application or if the Kubix application is deleted and reinstalled on the same device, losing the Seed Phrase means that the investor will be unable to recover their wallet and manage the tokens within it.

Even if the investor can verify their identity with Kubix, Kubix cannot assist in recovering the Seed Phrase. This is due to the nature of the Private Wallet, which prioritizes the investor's privacy, and the guidelines governing ICO portals.

Therefore, it is crucial to securely record and store the Seed Phrase to safeguard the investor's benefits as an ICO portal investor.

Utility tokens are tokens that grant specific rights to holders for exchanging goods, services, or other exclusive privileges.

Investors who hold investment tokens offered through Kubix have the opportunity to receive exclusive utility tokens from the token issuer or related partner companies, based on the conditions specified in the project's whitepaper.

Token issuers have the flexibility to design various forms of exclusive utility tokens that grant investors different rights, ranging from hotel accommodation privileges, access to special events, or limited opportunities to purchase specific goods or services.

This allows investors in digital tokens through Kubix to receive not only financial returns from their investments but also various additional exclusive benefits that are linked to their lifestyles.

You can redeem exclusive privileges from the utility tokens held by investors by clicking on the "Redeem" button for the specific utility token within the Kubix application.

*The process of redeeming exclusive privileges may vary depending on the format of the utility token. Please stay tuned for further updates and instructions for each project offered.

It depends on each project whether they support the transfer of tokens acquired by investors through reservations on Kubix for trading on secondary markets. The availability of trading on secondary markets will be specified in the project's official whitepaper.

Investors can officially track and study the details of each project from the project's whitepaper again when it is open for sale.