LIGHTNET – is the financial ecosystem of the future!

Decentralized virtual cryptobanking ecosystem for instant payments through contactless payments and blockchain technology


Financial model offered by the banking system and cryptoexchanges at the moment

  • Banks (emitent, acquirer) (commission 2-4% from payment)
  • Payment systems (Visa, MasterCard, PayPal, Alipay) (commission 2-4% from payment)
  • Cryptocurrency exchanges (Bitfinex, Binance, Kraken, Bittrex, Poloniex) (0,2% feeof the payment amount)

Decentralized CryptoBank LIGHTNET

Thanks to a smart contract, customers work directly with a CryptoBank and save more than 8.7% on commissions and transactions.

  • Cryptobank (0.5% fee of the payment amount)
  • Smart Contract Commission for transaction of CryptoBank 0.5%, of Cryptocurrency exchanges 0,1%
  • Client
The Financial Model of the Banking System
and Cryptocurrency Exchanges nowadays.
Decentralized CryptoBank LIGHTNETThanks to a smart contract, customers work directly with a CryptoBank
and save more than 8.7% on commissions and transactions.
Smart ContractCommission for transaction
of CryptoBank 0.5 %
Cryptocurrency exchanges
0,1 %
Banks(Acquiring Bank, Issuing Bank)
(2-4% fee of the payment amount)
Payment systems (Visa, MasterCard, PayPal,
Alipay) (commission 2-4%
from payment)
Cryptocurrency exchanges(Bitfinex, Binance, Kraken, Bittrex
Poloniex) (commission 2-4%
from payment)
(commission 0.5 %
from payment)

Centralized and
Decentralized Platforms in Figures

Cryptoexchange fee


Crypotbank fee


Bank fee




Payment system


Graph 1



Crypotbank fee


Cryptoexchange fee


Graph 2

Conclusion Because there are no intermediaries, the LIGHTNET platform is cost-effective by 7.75%.
This releases more than $36 billion a year in the cryptocurrency market.


    Involves a string of brokers that do not provide transparency and charge high commissions for both merchants and affiliates

  • High Commissions

    Up to 10% of average budget spent on these financial systems, that are based only on interest of holders

  • High costs

    Financial solutions and payment systems cost enough for business accounts - in management, services and accounting

  • No scalability and anonymity

    Systems are outdated and are tough to apply new technology solutions. Legal entities do not provide anonymity of transactions


    Creates an ecosystem that is transparent and automated on special engineering technology that connects brokers and uses smart contracts for fair deals

  • Lower commissions

    LightNet system charges average of 0.5% of deals and make them even lower according to asset management in fair trading

  • Free to use

    LightNet ecosystem is filled with ready and free financial services for customers and is free to communicate with partners

  • Scalable and anonymous

    Variety of tariffs and accounts provide anonymous use of crypto-fiat payment operations with global scale connection


    Stores all data on one server, doesn`t reveal deal closure mechanisms, and involves both automated and manual operation

  • Delayed payouts

    All financial transactions are processed centrally, resulting in increased processing times and delayed payouts to affiliates

  • Fraud

    Human factor makes it impossible to detect all cases of fraud on centralized platforms

  • Security vulnerability

    In case of a hacker attack, hackers may get access to all accounts in the system

  • Problem of scalability

    As the number of affiliates is growing, merchants may experience problems with general analytics due to disintegrated networks


    Doesn`t manage deals and focuses on providing high-quality service and technical support to both merchants and affiliates

  • Instant payouts

    With LIGHTNET’s own cryptocurrency, affiliates can get instant payouts 24/7

  • Fair deals only

    Open-source smart contract ensures fair and transparent deals between merchants and affiliates

  • Protection from hacking

    On a decentralized platform, all user accounts are independent; if one account is hacked, this won’t breach the security of other accounts

  • All statistics and analytics in one place

    With all data available in user’s personal account, dealing with several networks is much easier

LIGHTNET Platform Architecture

  • Dapps and other types of external services will connect to LightNet using unique APIs. Blockchain uses “Json-RPC API” protocol to allow interaction with any types of coins and smart-contracts inside network. We use web-3 and load balancer to sort them. Stable Tokens exchange back up live data from cryptocurrency exchange backed live feed.

    Scheme 3
  • Banking ecosystem of LightNet is based on a native and flexible interaction or communication between main business processes (service, management and compliance), enterprise information systems (such as account data, DApps management and customer integrations) and own internal data processing layer (within Blockchain, documentation, tx history and others)

    Scheme 4
  • Hybrid exchanges should be the golden middle that will combine the advantages of a centralized exchange, such as cooperation with large investors and the trust of many users with the benefits of a decentralized exchange, such as secure storage and the absence of subordination to a higher authority

    Scheme 2
  • LIGHTNET has 2 different types of blockchain: open and secure. 1. The purpose of own open blockchain network is to develop an alternative protocol for building decentralized applications, presenting a complex set of tradeoffs that we believe will be very useful for a wide class of decentralized applications, with special emphasis on situations where fast development time, safety for small and rarely used applications, and the ability of various applications to very efficiently interact, are important. LightNet network does this by creating what is essentially the ultimate abstract foundational layer: a block chain with a built-in Turing-complete programs language, letting anyone write smart contracts and decentralized applications where they can form their own arbitrary rules for ownership, transaction formats, and state transition functions. 2. The secure blockchain includes all advantages of the open block chain, with the goal of providing secure in-chain services for the business. On the base of secure blockchain, we will launch Stable tokens smart contracts, KYC data storage, and a wide specter of business Dapps. Cryptocurrency exchange back connection by lifefeed will serve Stable Tokens smart contracts by actual trading data

    Scheme 1
  • API management is a technology connection of basic services of LightNet and native and scalable platform for connection of other services of partners. Blockchain-based data clearing solutions operate on lightweight remote procedure JSON-RPC API protocol through web3 and load balancers. Future developing solution of atomic swaps is going to provide ability to interact with any coin-family and smart contracts

    Scheme 5

Platform LIGHTNET is advantageous and convenient!

  • The highest reliability and security, instant transfer of funds from point A to point B without limits with 0.5% transfer fee.
  • Due to own cryptoexchange, you can exchange and withdraw cryptocurrency for a fee of 0-0.10%.
  • Lowest fees, no hidden fees
  • Loans for private individuals and legal entities.
  • The best rates for instant purchase, exchange, cryptocurrency-to-fiat and vice versa conversions.
  • The investment fund will help implement any projects, mining farms, and more.
  • Own inter-bank financial channels system (SWIFT analog).
  • Escrow is essentially a holding tank which will help you keep track and hold money to be transferred to another person during acquisition, exchange, or freelance services, etc.
  • Own crypto ATMs and integration with the existing ones.
  • An online robo-adviser that will advise the client when to buy or sell a cryptocurrency at a better rate.
  • Instant smart contract-based payments for any services using cryptocurrency without withdrawal of money from your wallet.
  • Contactless payment methods for mobile devices powered by NFC technology.
  • Well-developed loyalty system, bonuses and cashback for operations, good deposit rates.
  • Autonomy, the app will be available worldwide even if you ran out of mobile internet on your device.
  • NFC to NFC cryptocurrency exchange.