Don’t invest unless you’re prepared to lose money. This is a high-risk investment. You may not be able to access your money easily and are unlikely to be protected if something goes wrong. Take 2 mins to learn more.

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About the Moneybrain platform

The Moneybrain platform supports you in the puchase of BiPS tokens.

Moneybrain was founded in September 2000. The brainchild of Lee Birkett, the online business was focussed on disruptive fintech. The next stage of its development was to bring the peer-to-peer (P2P) technology developed by Lee's team to the world via blockchain to build an open and fairer financial system for all.

Security: The security offered by blockchain protocols allows us to create a token that can be used to remit, store, or borrow.

Trust: The team have successfully built out and currently operate a fully regulated P2P retail loan and savings platform JustUs.co in the UK.

Privacy: Anonymity will be supported by blockchain smart contracts.

Regulation: None of the activities associated with the BIPS tokens are regulated, however the standards of data protection (GDPR/DPJL), Know Your Customer (KYC) and Anti Money Laundering (AML) protocols and segregated client accounts are utilised.

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About BiPS Foundation

The value of the token is tacitly stabilised as a result of the assets purchased from the issuance and exchange of tokens. Some other crypto currencies only have intrinsic speculative value, with no underlying assets. The sentiment of purchasing BiPS is far stronger as 95% of the value of a freshly minted BiPS is used by the BiPS Foundation to purchase real world assets.

The purpose of the BiPS Foundation is to securely hold these assets (never being able to dispose of the value), continuously publish the value of these underlying assets and with any surplus over and above the speculative value of the issued tokens, build better infrastructure (speed, cost and security) for token holders and create a centre of excellence for the education of digital currencies.

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Why?

Since the financial crisis in 2008, trust in the world’s banks, financial institutions and governments is at an all-time low and ready for disruption. The blockchain and the BiPS Token holders can influence this global evolution simply and securely by creating a trusted network, using Distributed Ledger Technology (DLT).

Mission

We aim to bring trust to the crypto world by creating an underlying value in the BiPS Token.

How?

When the token is used as a payment or exchange, not only will the trade be on the public blockchain ledger, but the network has a fully measurable underlying value as well as any speculative value of an emergent digital currency. This is held in a Foundation which is unable to ever dispose of this value and with any surplus is able to provide education about digital currencies and invest in infrastructure to increase speed and reduce costs to token holders.

Problems

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On the global marketplace

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No World Wide Platform:

Centralised banks exist in their own individual silo’s. They communicate internationally but are governed by their own country’s governments and regulators.

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No Safe Transactions:

We trust third parties to make the transactions for us. Wouldn’t it be safer if we could do this for ourselves?

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No Global Payment Systems:

Again, we are reliant on the payment systems made available to us by the trusted third parties. These systems may communicate with each other however are subject to some restrictions.

BiPS Solutions

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Our method and vision

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Global Single-Platform:

Blockchain is a global solution allowing the decentralisation of the monetary system.

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Be Safe and Secure:

Transactions are recorded at multiple locations with decisions being made by more than one ‘person’. This peer to peer decision making ensures anonymity together with increased security.

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Decentralize Payment Systems

Eliminates the borders inherent with centralised solutions.

The main issue

Cryptocurrencies have many advantages over local government currency. The main benefit is their ability to function and operate without a single point of failure, which hackers can target.

A traditional bank generally has a computer-based records system that is the sole point of contact for decisions within the organisation. Whilst this system may contain many individual computers it is essentially a single group. A decentralised system, via blockchain, removes that single entity and instead spreads it across a number of ‘decision makers’ who must agree to the transaction before it can happen.

This decentralisation allows for more privacy as the information does not pass through one single entity. Spreading the data across multiple points makes it more difficult to track the information. If you are looking for a way to protect your identity and online information, decentralisation is it.

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Introducing the Moneybrain App & Portal

When you register for the Moneybrain Platform, you are provided with secure access, via an App or portal, where you can view transactions, buy BiPS, send around the world for £0.01 in a second, crypto exchange services and crypto & Fiat accounts.

Safe & Secure Transactions
Encrypted and Kept Private
Multiple Payment Gateway
KYC Verification

BiPS Papers

Download the papers and learn about the BiPS.

document
BiPS Updated Project
Memorandum (May 2024) (PDF)
BiPS Updated Project
Memorandum (January 2024) (PDF)
BiPS Updated Project
Memorandum (December 2022) (PDF)
Version 1 - BiPS Project
Memorandum (October 2018) (PDF)

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BiPS KYA (PDF)
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Terms of Sales (PDF)

Team

Team Members

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Lee Birkett
CEO
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Lee Birkett

CEO

  • Founder and CEO of AIM Listed financial services business Prestbury.com 1994-2008 originating in excess of £5BN of Loans and Insurance with full regulatory oversight.
  • Presented the Peer to Peer lending and saving opportunity to the Crowd in Dec 2013.
  • Successfully closed an oversubscribed crowdfunding pitch April 2014 raising £20M+ to date to develop and prove the platform with the support of 1,000+ investors.
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John Gray ACA
Finance Director
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John Gray ACA

Finance Director

  • John was appointed Finance Director March 2016.
  • Before joining JustUs, John held a number of senior finance roles over a 12 year period at Rolls Royce plc.
  • John began his career with Arthur Andersen and is a member of the Institute of Chartered Accountants in England and Wales.
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Mike Moroney
Chief Operating Officer
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Mike Moroney

Chief Operating Officer

  • An accomplished Sales and Compliance Manager.
  • Mike joins us from Santander UK plc where he has spent the last 9 years supervising regulated sales teams.
  • 1995-2008 Mike was a member of the senior leadership team with Lee Birkett at the AIM listed financial services business Prestbury.com.
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Mehdi Dana
CTO & Lead Blockchain
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Mehdi Dana

CTO & Lead Blockchain

  • Computer science advocate
  • Full-stack software developer
  • Software architecture
  • Blockchain developer
  • Held senior developer roles across multiple industries including Financial Services, e-Commerce and Software development.
  • Student forever

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Debi Whitney
Underwriter
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Debi Whitney

Underwriter

Experienced Underwriter within the online markets. Skilled in Portfolio Management, Business Relationship Management, Business Planning, Risk Management, and Customer Service.

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Simon Dempsey
Corporate Lending
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Simon Dempsey

Corporate Lending

Over 20 years’ experience within the corporate finance sector providing advice and capital raising for SME's, focusing on private equity and institutional debt, ensuring business owners and stakeholders are fully furnished with transparent decision-making potential.

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Gemma Georgas
Finance & Administration Controller
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Gemma Georgas

Finance & Administration Controller

Gemma is a fundamental member of the Finance Team at BiPS. Gemma has worked within the industry for over 20 years in multiple roles across both sales, underwriting and accounting.

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Daniel Butler
Secured Lending
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Daniel Butler

Secured Lending

An accomplished financial services professional with 20 years’ experience across multiple sectors within the industry. CeMAP qualified. Specialising in FCA regulated residential mortgage lending with significant experience in supporting developers and property managers.

Advisors and BiPS Founding Members

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Sir John Hegarty
Creative
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Sir John Hegarty

Creative

Founding partner in Saatchi and Saatchi in 1970. Knighted in 2007 and was the first recipient of the Lion of St Mark award at the Cannes Festival of Creativity in 2011. Co-founder of The Garage Soho. Creative founder of international advertising agency BBH.

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David Newns
Investor
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David Newns

Investor

Serial entrepreneur and investor. Joined the JustUs board in 2014 following a substantial investment in the businesses via oversubscribed Crowdcube equity placement.

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Richard Farr
Compliance
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Richard Farr

Compliance

An accomplished FS risk and compliance consultant, Richard was a Director of the Association of Mortgage Intermediaries 2007 -2008. In 2008 to date as CEO of Telos Solutions Ltd, a multi-disciplined management consultancy who are appointed to FCA/PRA Skilled Persons Panel.

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Abi Owers
Engagement
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Abi Owers

Engagement

Former earned media director for McCann. Engagement director for Big Brand Ideas. Extensive experience in creating paid and earned strategies that focus on content to drive brand awareness and engagement.

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Thomas Adalbert
Investor
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Thomas Adalbert

Investor

Former Global Principal at Google, responsible for Fintech unit offering financial comparison in EMEA and USA. A member of founding team for beatthatquote.com, a leading fintech comparison site in the UK sold to Google in 2011

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Tom Teichman
Investor
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Tom Teichman

Investor

A serial tech & web investor and Board member of many disruptive businesses such as lastminute.com, Kobalt Music, Moshimonsters, notonthehighstreet.com. His portfolio companies have already exited over £1 billion in IPOs on NASDAQ, LSE, AIM and via trade sales to Financial Times, France Telecom, Dell, Oracle and Thompson Corp.

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Tim Dempsey
Corporate Finance
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Tim Dempsey

Corporate Finance

An energetic dealmaker in the VC space, focussed on Series A/B fundraising, secondary transactions and fund services; with a strong track record. listed in Insider's 42 under 42 (2012) and prior to this, profiled as a "Rising Star of Deal making".

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Mark Brady
Corporate Finance
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Mark Brady

Corporate Finance

Mark is a founding partner of Spark Advisory Partners. He has considerable experience in providing advice to corporate clients on IPOs, takeovers and a wide range of other transactions involving private and public companies.

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Miriam Greenwood OBE
Global Bond Expert
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Miriam Greenwood OBE

Global Bond Expert

Miriam is a founding partner in Spark Advisory Partners. A qualified barrister, Miriam has had a distinguished City career and was recognised and awarded the OBE for her services to corporate finance.

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Jack Hallam MRICS
Property Acquisition
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Jack Hallam MRICS

Property Acquisition

Founding partner of Hallams Property Consultants, Jack has in excess of 20 years’ experience in agency investment and development. Jack joins as Head of Property Acquisitions.

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John Barker
Legal Counsel
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John Barker

Legal Counsel

John is a partner in Metis Law LLP. He deals with all aspects of commercial law, including the preparation of commercial contracts, advising on points of regulatory law (including data protection, intellectual property and consumer credit) and the registration of trade marks.

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Jon Butler
Branding
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Jon Butler

Branding

Founder of customer engagement agency Big Brand Ideas in 2010 after 10 years working in agency and client side martech. Jon leads a team of digital specialists focused on delivering immersive and engaging experiences for brands.

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Jeremy Bostock
Audit and Reporting
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Jeremy Bostock

Audit and Reporting

Director in Accountancy Firm, Thompson-Wright, An audit specialist, Jeremy provides a wealth of experience with VC backed companies and non-listed PLC’s.

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Barry James
Blockchain and Crowdfunding Advocate
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Barry James

Blockchain and Crowdfunding Advocate

Founding Chair of the British Blockchain & Frontier Technologies Association (BBFTA). Pioneer of the Crowdfunding & Blockchain ecosystem. Thought-leader, adviser & CItyAM columnist.

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Rob Colin
Investor
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Rob Colin

Investor

Managing Director of Sequence Financial Management with over fifteen years’ industry experience. Specialist advisor to both corporate and individual clients specialising in Pensions (SIPP & SSAS), Investments, Alternative Investments, Tax Planning and Finance.

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Nigel Payne
Global Mortgage Assets
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Nigel Payne

Global Mortgage Assets

Highly experienced Managing Director of large scale mortgage institutions including The Mortgage Business PLC and BM Solutions.

Get In Touch

Any questions? Reach out to us and we’ll get back to you as soon as possible.

  • support@moneybrain.com

Risks: being unregulated there are no methods of recourse if there is a lack of liquidity in the BiPS community and the value of the token can fluctuate. Any value stored in BiPS is at risk.
The moneybrain.global website is the web depository for the decentralized Moneybrain BiPS Project and Foundation.