Smart insurance
for safe drivers

Sign up / KYC
Sign up / KYC
Kasko2go ICO rating Kasko2go ICO rating

Would you like to save up to 50% on motor insurance, just for driving safe?

Join the smart drivers community

Save the date for token pre-sale:

Pre-ICO: May 28 - June 25 ICO: July 1 - July 30

00 days
00 hours
00 minutes
00 seconds
Sign up / KYC

Subscribe and get early bird discount for forthcoming token sale

To complete the subscription process, please click the link in the email we just sent you.

Learn more on:

Swiss origin,
approved by SRO

We are proud members of Crypto Valley

Military-grade security

Award-winning technology core

25 years in the smart insurance business

Developing insurance solutions since 2011

Highly rated

by Blocksmatter Independent Report

You can find everything you’d like to know about us here

What is Kasko2go?

Today

We reduce insurance expenses by 50% for driving safe. We use AI and telematic Big Data assessments with Pay-as-you- Drive model.

Tomorrow

We create decentralized ecosystem, where every careful driver will get an affordable insurance, and insurance agencies will be able to identify low-risk clients.

Our Approach

We are creating the eco system, that allows to get cheap insurance for safe driver and to find low-risk customers for insurance companies.

Our system is open for any companies that can provide their services on clear conditions self-regulating marketplace.

Genadi Man

Co-Founder, CEO

A deep understanding of blockchain and the insurance industry together with state-of-the-art technology make us globally unique. The consequence of this is disruption of the motor insurance philosophy.

Solving problems

Careful driver

Problem

Has to pay large insurance premium, paying for risk of other drivers

Solution

Gets cheaper insurance as long as he drives safe

Reliable insurance

Problem

Can not find safe clients. Has to pay big price for every new high-risk client.

Solution

Gets low-risk clients from safe drivers community.

Learn more about solving problems

Customers

Without Kasko2go

Expensive fare for everyone

Every person drives different – but we are all paying the same price. Even the safest driver have to pay for risk of reckless ones.

With Kasko2go

Individual approach and less prices

We conduct an individual risk assessment using unique mobile telematics technology. Every driver gets an insurance policy corresponding to his personal level of risk, which makes our prices 30-50% lower than competitors.

Business

Without Kasko2go

Heavy outgoings

It’s a complex and long process, which involves a large number of staff, offices and other cost items.

With Kasko2go

70% less outgoings

Due to technologies, we get out of most of the costs inherent in common insurance companies, providing the same product.

Community

Without Kasko2go

Stagnant infrastructure

Absence of safe shared infrastructure makes process long and expensive for every insurer.

With Kasko2go

Clarity and protection

We create decentralized infrastructure, where every insurer can use our unique risk assessment and fraud detection tools to cut their outgoings, and every party can offer their service on fair condition.

Our technology

5+ years of researching millions of drivers.

In 2012, we began to analyse driving styles with the help of our GPS app, the maps for which Google subsequently started buying. During that time, our sample size was three million, one hundred and twenty-nine thousand drivers. According to our information, this is the largest dataset in the world for studying driving habits.

Assessment of driver behaviour Profiling trips Telematics platform Remote technical diagnostics Mobile applications Identification / reconstruction of RTA

Learn more about technology

Kasko2go at Blockchain Expo Global 2018 in London

Blockchain Leadership Summit 2018

The presentation of blockchain company Kasko2go on the startup pitch competition during Blockchain Leadership Summit 2018 in Zurich.

Kasko2go Application Demo

We use cutting-edge technology and a unique business model to sell insurance at up to 50% cheaper than any competitor. Learn more about it here!

Traditional insurance process

up to 2 months

Accident

Driver calls insurance company to claim for accident

Driver goes to damage estimation specialist

Driver waits while damage is estimated

And returns to get insurance money

Kasko2go innovative process

under 15 min

Accident

The driver simply opens the mobile app, takes a photo of the accident and receives an insurance
pay out immediately

Token
infrastructure

Andriy Khavryuchenko

Board Member,
Lead Blockchain Architect
DASH Cryptocurrency Developer

We have created a unique token circulation model, which provides clarity and a quality service, and incentivizes high token utility and turnover rate

Motor insurance purchase

Customer applies for registration. After the risk assessment and fraud prevention procedures, registration is complete, and the contract data is stored in the blockchain. Customer pays the insurance fee based on an individual rate of the pay-as-you-go model.

Claim processing

When the customer submits a claim, fraud detection and claim evaluation take place. When damage is confirmed, the data is transmitted into the blockchain, requests to the liquidity pool and for reinsurance are filed, and then the K2G token amount is unlocked for the customer.

K2G tokens route Information route K2G tokens holders Blockchain Additional services Participate on request Insurance agent Fraud prevention Reinsurance Risk assessment Liquidity pool Buyer Blockchain Claim processing Fraud detection Risk evaluation Reinsurance Service provider Liquidity pool Buyer

Token
information

Symbol / Ticker
K2G
Role of Token
Utility
Token Supply
600 million K2G
Public Token Sale
300 million K2G (50%)
Initial Value
€0.10
Blockchain
Ethereum

Token distribution

From the maximal 600 million K2G tokens

6%
will be distributed to Advisors and Ambassadors
12%
will be distributed to the Founders and the Team; lock-up period of one year
32%
are intended as Incentives for Users of and Contributors to the Kasko2go platform
50%
will be distributed to contributors in the K2G public token sale

Smart contract and ICO wallet developed by Ambisafe, a world leader in secure and reliable smart contract solutions.

Safety and compliance with quality standards are monitored by Inacta independent audit.

Roadmap

Our plan: from motor insurance on demand to a comprehensive all-vehicles insurance ecosystem in 2.5 years

Today

Kasko2go mobile app already running regions with 25,000 users

Q2 2018

Ethereum-based blockchain

Introduction of K2G token

Launch in Switzerland, Austria, Germany

2019

Scaling business model to adjacent sectors of insurance services

US and EU covered by Kasko2go

Meet us at the following events

22.02

Elevate conference

Kiev, Ukraine

9.03

Blockchain Leadership Summit

Zurich, Switzerland

21.03 - 22.03

Cryptocurrency World Expo

Berlin, Germany

28.03

Crypto Summit 2018

Zurich, Switzerland

18.04 - 19.04

Blockchain Expo Global 2018

London, United Kingdom

20.04 - 22.04

Armenian Blockchain Forum

Yerevan, Armenia

25.04 - 26.04

Blockchain Summit Crypto Valley 2018

Zug, Switzerland

3.05 - 6.05

Futurama Blockchain Innovators Summit

Dubai, United Arab Emirates

8.05

Block O2O Blockchain Summit

Hong Kong, China

16.05 - 17.05

DIA Amsterdam 2018

Amsterdam, The Netherlands

18.05

NEXT BLOCK Conference

Kyiv, Ukraine

21.05 - 22.05

FINWISE Summit

Tokyo, Japan

Upcoming

Blog

Team
leaders

Genadi Man

Co-Founder, CEO

Genadi Man

Co-Founder, CEO

Entrepreneur, founder of Telesens KSCL AG—one of the leading telco billing companies worldwide with 1600 employees in 13 countries, responsible for revenue of about EUR 300m. Founded ManOilGroup AG. As the Chairman of the Board Mr Man headed the company which specializes in technologies for large-area treatment of oil spills and oil sludge.

Dmitry Bakutin

CEO R-Telematica and Start Kasko2go

Dmitry Bakutin

CEO R-Telematica and Start Kasko2go

Dmitry is responsible for strategic planning, software development, communication with insurance companies throughout the GIS market (except Ukraine and Baltic region). Dmitry managed the cartographic projects which were recently sold to Google.

Dimitri Wulich

Senior Risk Manager

Dimitri Wulich

Senior Risk Manager

Mr Wulich successfully implemented a large-scale global project to introduce a valuation engine for Risk Assessment of Life Policies. He has more than ten years of experience as Senior Risk Manager with a Leading Global Reinsurance Company. Under his leadership, a unique monitoring functionality for usage and cost of financial market data was initiated, designed and implemented. Mr Wulich also successfully managed the implementation of the cash flow discounting methodology for risk management and economic valuation purposes.

Andriy Khavryuchenko

Board Member, Lead Blockchain Architect

Andriy Khavryuchenko

Board Member, Lead Blockchain Architect

DASH cryptocurrency developer (world top 12, market cap $3.5B), 4 years developing crypto, 26 years in software development. Maintains DASH electrum wallet.

Arina Man

Co-Founder, Board Member

Arina Man

Co-Founder, Board Member

Expert in business and finance. Worked for KPMG Fides in Zurich. Served as a team member of the Commerce section of the Swiss Embassy in Moscow. In 2009, founded the company Vera Capital Advisors AG in Switzerland, focusing on financial and business solutions for Swiss companies.

Anna Petrova

Insurance Underwriting, Financial Modelling

Anna Petrova

Insurance Underwriting, Financial Modelling

Anna Petrova is a financial planning specialist currently obtaining her postgraduate degree in economics. Anna gained vast experience working as an economist for large and small companies in various industries. Before joining Kasko2go she worked as a financial analyst for software, construction, waste management and investment companies. Anna prepares budgets, develops business plans and analyses financial statements. She also evaluates the economic feasibility of new technology applications.

Nikolay Gora

Head of Project Development

Nikolay Gora

Head of Project Development

After his engineering and business studies and his doctorate in Ukraine, Dr Gora worked as a senior engineer in various technology companies. In addition, the MBA graduate has worked as an R&D manager, marketing and managing director in telecommunication and military companies. As Head of Technology and Operations in waste management company Arva Greentech, Dr Gora’s team transformed the scientific findings of its R&D division into efficient technologies for eco-friendly soil remediation. Dr Gora has 12 years of experience with big scale projects.

Genadi Man

Co-Founder, CEO

Genadi Man

Co-Founder, CEO

Entrepreneur, founder of Telesens KSCL AG—one of the leading telco billing companies worldwide with 1600 employees in 13 countries, responsible for revenue of about EUR 300m. Founded ManOilGroup AG. As the Chairman of the Board Mr Man headed the company which specializes in technologies for large-area treatment of oil spills and oil sludge.

Dmitry Bakutin

CEO R-Telematica and Start Kasko2go

Dmitry Bakutin

CEO R-Telematica and Start Kasko2go

Dmitry is responsible for strategic planning, software development, communication with insurance companies throughout the GIS market (except Ukraine and Baltic region). Dmitry managed the cartographic projects which were recently sold to Google.

Dimitri Wulich

Senior Risk Manager

Dimitri Wulich

Senior Risk Manager

Mr Wulich successfully implemented a large-scale global project to introduce a valuation engine for Risk Assessment of Life Policies. He has more than ten years of experience as Senior Risk Manager with a Leading Global Reinsurance Company. Under his leadership, a unique monitoring functionality for usage and cost of financial market data was initiated, designed and implemented. Mr Wulich also successfully managed the implementation of the cash flow discounting methodology for risk management and economic valuation purposes.

Andriy Khavryuchenko

Board Member, Lead Blockchain Architect

Andriy Khavryuchenko

Board Member, Lead Blockchain Architect

DASH cryptocurrency developer (world top 12, market cap $3.5B), 4 years developing crypto, 26 years in software development. Maintains DASH electrum wallet.

Arina Man

Co-Founder, Board Member

Arina Man

Co-Founder, Board Member

Expert in business and finance. Worked for KPMG Fides in Zurich. Served as a team member of the Commerce section of the Swiss Embassy in Moscow. In 2009, founded the company Vera Capital Advisors AG in Switzerland, focusing on financial and business solutions for Swiss companies.

Anna Petrova

Insurance Underwriting, Financial Modelling

Anna Petrova

Insurance Underwriting, Financial Modelling

Anna Petrova is a financial planning specialist currently obtaining her postgraduate degree in economics. Anna gained vast experience working as an economist for large and small companies in various industries. Before joining Kasko2go she worked as a financial analyst for software, construction, waste management and investment companies. Anna prepares budgets, develops business plans and analyses financial statements. She also evaluates the economic feasibility of new technology applications.

Nikolay Gora

Head of Project Development

Nikolay Gora

Head of Project Development

After his engineering and business studies and his doctorate in Ukraine, Dr Gora worked as a senior engineer in various technology companies. In addition, the MBA graduate has worked as an R&D manager, marketing and managing director in telecommunication and military companies. As Head of Technology and Operations in waste management company Arva Greentech, Dr Gora’s team transformed the scientific findings of its R&D division into efficient technologies for eco-friendly soil remediation. Dr Gora has 12 years of experience with big scale projects.

Advisors

Denis Dovgopoliy

Investor Relations Advisor

Denis Dovgopoliy

Investor Relations Advisor

Denis Dovgopoliy is a managing partner of GrowthUP Group, as well as co-founder and president of the GrowthUP Accelerator, which focuses on acceleration and investment in Eastern European startups looking to enter the global market. He has designed a 45-hour authorial course, partially licensed by various regional accelerators for tech entrepreneurs. Prior to GrowthUP Group, Denis held C-level positions and completed several exits with Ukrainian companies.

David Braun

Sales Advisor

David Braun

Sales Advisor

David Braun is a public activist and serial IT entrepreneur. In May 2002, he co-founded TemplateMonster. As CEO of TemplateMonster for 15 years, he launched numerous IT projects.

Marcus Tuor

Financial Advisor Kasko2go AG

Marcus Tuor

Financial Advisor Kasko2go AG

Marcus is a co-founder and member of the executive board of Controva AG (controva.ch).

Paul van Coillie

Reinsurance Advisor

Paul van Coillie

Reinsurance Advisor

International multilingual reinsurance and insurance specialist with business experience in Europe, Asia, Africa, Middle East and the US. Consultant in insurance and reinsurance projects, MGAs, run-off, captives and protected cell operations as well as online insurance.

Igor Pertsiya

Strategic Advisor

Igor Pertsiya

Strategic Advisor

New business director at UAMASTER digital agency and CMO at Blockchain eSports project ESM.one. Marketing Advisor on numerous blockchain projects.

Dmitry Buriak

Investor Community Advisor

Dmitry Buriak

Investor Community Advisor

Russian and Latvian businessman, philanthropist, and founding president of network marketing company Vision International People Group, established in 1996. In 2011, he claimed the two hundred and thirtieth place of Russian Millionaires in Finance. He has projects in Switzerland, Austria, Holland, Cyprus, Latvia, Vietnam, Ukraine, and Russia.

Denis Dovgopoliy

Investor Relations Advisor

Denis Dovgopoliy

Investor Relations Advisor

Denis Dovgopoliy is a managing partner of GrowthUP Group, as well as co-founder and president of the GrowthUP Accelerator, which focuses on acceleration and investment in Eastern European startups looking to enter the global market. He has designed a 45-hour authorial course, partially licensed by various regional accelerators for tech entrepreneurs. Prior to GrowthUP Group, Denis held C-level positions and completed several exits with Ukrainian companies.

David Braun

Sales Advisor

David Braun

Sales Advisor

David Braun is a public activist and serial IT entrepreneur. In May 2002, he co-founded TemplateMonster. As CEO of TemplateMonster for 15 years, he launched numerous IT projects.

Marcus Tuor

Financial Advisor Kasko2go AG

Marcus Tuor

Financial Advisor Kasko2go AG

Marcus is a co-founder and member of the executive board of Controva AG (controva.ch).

Paul van Coillie

Reinsurance Advisor

Paul van Coillie

Reinsurance Advisor

International multilingual reinsurance and insurance specialist with business experience in Europe, Asia, Africa, Middle East and the US. Consultant in insurance and reinsurance projects, MGAs, run-off, captives and protected cell operations as well as online insurance.

Igor Pertsiya

Strategic Advisor

Igor Pertsiya

Strategic Advisor

New business director at UAMASTER digital agency and CMO at Blockchain eSports project ESM.one. Marketing Advisor on numerous blockchain projects.

Dmitry Buriak

Investor Community Advisor

Dmitry Buriak

Investor Community Advisor

Russian and Latvian businessman, philanthropist, and founding president of network marketing company Vision International People Group, established in 1996. In 2011, he claimed the two hundred and thirtieth place of Russian Millionaires in Finance. He has projects in Switzerland, Austria, Holland, Cyprus, Latvia, Vietnam, Ukraine, and Russia.

Partners

Press about us

Frequently asked questions

Do we already have an application?

Our application is in use by 25,000 people. You can download the latest version of the app in the AppStore or GooglePlay. And our development team is constantly working on updates.

Why do we use blockchain technologies?

Blockchain provides us with the technology that makes insurance faster, cheaper, safer and fairer. First, we prevent fraud by filing each claim in a blockchain, which makes double-claiming close to impossible.

Next, paying out with K2G tokens allows reduction of transaction costs compared to traditional payment methods; and therefore we offer lower prices. Also, transactions are faster.

Finally, placing the agreement in smart-contracts ensures trustworthy conditions and purchase protection.

Ultimately, we have created a competition-encouraging marketplace for insurance services, giving a fair-price incentive to participants.

Will insurance become more expensive as the token value grows?

No, the token quantity stays the same while the ecosystem grows. More market participants means competition, means lower prices. Simultaneously, each new participant indicates demand growth.

Why have we created a competitive environment?

We benefit from competition for several reasons. We benefit from infrastructure growth as new agents come in. This promotes the infrastructure and invites new participants into the system with a fixed token quantity. Simultaneously, our technologies are, at present, unique, offering the most profitable solutions for customers. Transparent competition gives us the incentive to expand with new developments.

What is the K2G token and how does it work?

The Kasko2go token (K2G) will be the fuel of the Kasko2go ecosystem used by customers and Kasko2go third-party business partners worldwide. For each drive conducted via the Kasko2go platform, the K2G token will be used. The use of blockchain will allow Kasko2go to uniquely identify insurance assets and transfer the information to other types of businesses via a digital record.

What is the price of a K2G token?

€0.10 for the pre-sale moment. After pre-sale the K2G price will depend on market conditions.

Which currencies will be accepted on the launch of the token?

BTC, ETH, EUR, and USD.

What benefits do K2G token holders have?

One of our most important benefits is immediate access to the fast processing system, which means insurance claims are paid promptly, unlike traditional payment systems.

What are the Restricted Countries?

Citizens of the USA, China, North Korea and Iran are prohibited to buy tokens

What will happen to unsold tokens?

They won`t be issued.

Where is our team based?

We have a big international team. The asset management and strategic planning departments are based in Liechtenstein. The Business Operations Department is in Switzerland; fraud detection system development is in Israel; R&D and software development, and sales and business operations are in Russia.

Why do you make an ICO instead of traditional investing?

CAC (Customer Acquisition Cost) is the main customer acquisition cost indicator in the insurance sector. On the global average, CAC varies from EUR 500 to EUR 1000 per customer.

The goal of Kasko2go is to acquire one million customers in three years. The total minimum CAC budget would be EUR 500 million on the traditional insurance model. No venture capital fund finances a customer acquisition budget in the amount of a minimum EUR 500 million. The only solution to help achieve the goal set by the Kasko2go management of acquiring a certain number of customers in the given time limit (1 million over three years) is a token-using blockchain. Tokens serve here as a tool for rewarding new and retaining existing customers.

This is our tool to effectively reduce CAC.

According to our financial plan, our CAC budget is as follows:

1. 100 million tokens for the customer reward programme and

2. EUR 5.7 for traditional marketing costs within CAC

This budget will help to reach the first 400,000 users. This corresponds to EUR 200 million of costs for CAC in the traditional insurance business model.

We have developed a mathematical model to put a limited number of tokens into blockchain circulation. The token circulation under the reward programme increases their market demand.

Thus, tokens become an attractive asset even for those using our application in demo mode. In the years following, the customer reward programme will be gradually reduced by increasing token demand while expanding the number of users up to 1 million.

What about KYC and AML policy?

In the sales environment, a two-tier verification and identification process allows to identify the acquirer and accomplish the contribution.

On our landing page an investor fills out the KYC application form to go through KYC due diligence. We ask investors to provide the information regarding Country, Personal Contact, Address, Identification and answer questions about the source of funds. The stages of the due diligence are as follows:
1. Collecting Information: investor is to provide information to perform KYC.
2. Reviewing and Submitting Information: investor is to review entered information and submit it.
3. Next Steps: the user is routed depending on the declared contribution: the investor of the equivalent of EUR 9,999.99 and less proceeds to the document verification. This stage involves IP geo check, name/address match, sanction Screening, BTC/ETH address reputation check. Investor of the equivalent of EUR 10,000 and above is routed to an additional validation procedure.
4. Document verification: documents are uploaded according to selected document type including document issuing country.

This is our tool to effectively reduce CAC.

According to our financial plan, our CAC budget is as follows:

1. 100 million tokens for the customer reward programme and

2. EUR 5.7 for traditional marketing costs within CAC

This budget will help to reach the first 400,000 users. This corresponds to EUR 200 million of costs for CAC in the traditional insurance business model.

We have developed a mathematical model to put a limited number of tokens into blockchain circulation. The token circulation under the reward programme increases their market demand.

Thus, tokens become an attractive asset even for those using our application in demo mode. In the years following, the customer reward programme will be gradually reduced by increasing token demand while expanding the number of users up to 1 million.