the intelligent retail currency protocol

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The 1st Retail Coin Protocol Targeting
$23 Trillion Market


The 1st Retail Coin Targeting $23 Trillion Market

Andreas Antrup picture

Andreas Antrup

VP Advertisting and Artificial Intelligence

Zalando & Fluzcoin Board Advisor

The great economist Hyman Minsky once said:

Anyone can create a currency.
The hard part is getting it accepted.

Fluzcoin, enabled by an algorithmic central bank and revolutionary appreciation paths, 100% KYC compliant and with zero transaction costs, is set to play an important role in crypto retail mass adoption.

Breaking news

from Fluzcoin

El Costo and Nautica logotypes
El Costo, Nautica, Steven’s, El Campeon and Madison Store sign up for Fluzcoin acceptance

We want our independent merchant - driven RETAIL COIN

A Merchant from a community
Telegram group

fluzcoin protocol


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1st reason to succeed

Backed up by existing strong interest from global retailers

We have been in retail business for decades and in blockchain since 2017. Retailers were approaching us asking for a solution exposing them to crypto markets and giving them zero transaction fees.

Picture of Stefan Krautwald

Stefan Krautwald

Commercial Director

Merchants signed up for Fluzcoin as current Fluz Fluz App partners
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Benefit from early-adoption, start accepting Fluzcoin now


Fluzcoin usage in online Commerce, web and mobile payments

Fluzcoin team will provide integration framework and ready-made extensions to be integrated with popular eCommerce platforms such as Magento, Hybris, Salesforce Commerce Cloud (ex-DemandWare), Shopify, BigCommerce, PrestaShop, WooCommerce and other.

There can be two types of integrations owing to blockchain nature of the coin - first, traditional, centralised like a PayPal or other crypto currency extensions, which centrally store merchants funds after receiving them from consumers and then can move or exchange them into other assets on merchant’s request.

Ecomerce brands Fluzcoin works with Ecomerce brands Fluzcoin works with

Fluzcoin POS payment flow

Consumer is equipped with free app that is Fluzcoin wallet as well as additional features, for example tracking of free coins distributed to Fluzcoin holders, search of nearby stores accepting Fluzcoin and providing special deal redeemable for Fluzcoin only.

A merchant is displaying the total amount of the cart on a conventional cash-desk screen along with conversion into Fluzcoin amount.

2nd reason to succeed

Fluzcoin, patent pending intelligent retail currency

  • Pump & Dump resilient retail coin
  • Non-speculative by design
  • Algorithmic market interventions

The Fluzcoin artificial intelligence (AI) stabilization algorithm will constantly adjust to deliver a smooth appreciation path, thus eliminating speculative volatility that so much affects cryptocurrencies and deters confidence in these.

Through machine learning algorithms, coin proof of stake issuances and Fluzcoin holder proof of stakes, Fluzcoin aims to provide the confidence needed for wide acceptance as a medium of exchange and furthermore, a store of value.

Fluzcoin Patent Application for Coin Governance Model pending at U.S. Patent Office

U.S. Patent and Trademark Office - Patent application 62/648,206

3rd reason to succeed

Legally compliant coin - all users are KYC/AML checked

Fluzcoin is a change-maker in crypto. Our banks have been deterred to enter crypto markets by regulatory concerns, but Fluzcoin offers a clear solution on KYC/AML compliance across its users and exchange policy.

Karl Karlsson

Fluzcoin Board Advisor
and Retail Operator

4th reason to succeed

Zero Transaction fees

Read Whitepaper to learn why JP Morgan Quorum permission based blockchain has validated TPS capacity to provide a superior solution for technology-agnostic Fluzcoin in terms of transaction speed and cost.

read whitepaper

Support zero-fee transaction network, host a node!

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5th reason to succeed

Privacy enabling algorithm protecting purchase history

Blockchains are transparent, but retail coin users want their purchase history hidden, while enabling blockchain transparency for their balance of coins.

Fluzcoin builds on SNARK algorithm allowing to store proof of transaction without exposing the transaction itself.

With our 100+ inhouse blockchain experts, we have carefully chosen the right technology to allow Fluzcoin to materialize its monetary and retail objectives.

Picture of Antons Sapriko

Antons Sapriko CEO Scandiweb

IT Director

6th reason to succeed

Data economy - purchase history belongs to users

Read whitepaper

7th reason to succeed

Proof of concept is LIVE! A retail platform coin is rising

Proof of Concept is LIVE - the system is built on J.P. Morgan Quorum and able to uphold daily transactions of up to 1,000,000,000 retail customers wordwide.

WATCH VIDEO Watch Fluzcoin tech team
walkthrough of the TPS stress test

Further research and blockchain technology advancement will increase this figure to bring retail coin to the global market.

WATCH VIDEO Watch sneak peak into
EUNOMIA algorithm
Companies we are bringing expirience from

Explore GitHub

Fluzcoin Proof-of-Concept

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Meet the Team

Executive Team

Stefan Krautwald

Commercial Director


Stefan is the Co-Founder of Fluz Fluz, the global cash back network. Formerly Stefan was CEO for Latin America at Cdiscount, part of Cnova Group and sixth largest e-commerce company in the world. Stefan has also co-founded Farmalisto, Latin America´s fastest growing online pure player pharmacy operating in Colombia and Mexico’s.

Additionally, Stefan was the Co-Founder and former Managing Director of Dafiti LATAM, the Rocket Internet backed fashion e-commerce leader.

He also was the General Manager for global BPO provider Arvato Bertelsmann in Colombia. His academic background is MBA from WHU-Otto Beisheim School of Management, Germany.

David Rosenblatt

Corporate Development Director


David has a track record of developing and scaling businesses from startup through IPO in Silicon Valley, Wall Street and Israel.

David’s experience spans the technology, finance, energy and healthcare industries. Previously, David served as Managing Director at Blackrock as well as a founder of Quickenloans at Intuit.

Prior to turning to business, David practised corporate and international law with Chadbourne & Parke and Weil, Gotshal & Manges.

David currently sits on the boards of Dunn Meadow, Arava Power, Security Matters, LibertyTrax, American Technion Society, and serves as a sector lead for HBS Alumni Angels New York. David holds an MBA with distinction from Harvard Business School, a JD from Northwestern University Law School, and a BS with honours from Pennsylvania State University.

Antons Sapriko

IT Director | Scandiweb CEO


Antons grew a company of two people to a hundred times that size and an industry leader serving the very top retail companies. He brings highly adaptive and growth-oriented business management strategies into Fluzcoin.

Antons is responsible for Blockchain Technology in Fluzcoin, where it benefits from Antons’ experience in setting up workflows for enterprise-grade delivery to Walmart, Jaguar, Land Rover, The New York Times, Peugeot and many other brands and startups since 2003.

Antons comes from a technology background. His father made the first-ever dial-up connection in his country in 1986. Antons learned to code at 14 and won top places in Math Olympiads on the national level. He earned a Bachelor degree in Business Administration at Stockholm School of Economics in Riga, a top-20 business school and started Master of Science at the IT University of Copenhagen.

Glebs Vrevsky

Marketing Director


A strong passion for technology and the ever-expanding world of information design has driven Glebs to commit his professional career to this rewarding field. He has worked on many successful blockchain projects such as Publica and Fluz Fluz as well as leading the largest eCommerce development team in Europe and US, who completed over 350 multi-channel commerce projects for clients in 32 different countries.

Glebs is responsible for Fluzcoin Marketing Strategy, bringing his experience of being a founder of Marketing and Analytics department in Scandiweb, who is behind success of many multi-million enterprises such as Lancome, Lafayette 148 NY, Thomson Reuters and bootstrapping startups. Backed up by Master’s Degree in IT, he enjoys bringing his creative spin on the technical elements an IT solution needs to function, striving to create a unique and efficient user experience.

Uldis Baumerts

Product Coordinator


Throughout the years Uldis has gained an international experience around the world - London, Dubai, Chicago, Bangkok to name a few, having a background in web & software development, customer relations, and management having served in leading roles in the technology and hospitality industries.

Holds a wide spectrum of expertise from hospitality and retail management to IT architecture furthermore 24/7 PMS & POS system project execution and support. Also, led a team introducing the EUR currency to one of the European Union states in the hotel and retail chain industry. Besides that, shifted to a Certified Scrum Master and Product Owner successfully leading projects in online retailing for brands such as Jaguar, Land Rover, and Hyundai.

Uldis currently holds the position one of the Executive Partners at Scandiweb, performing daily operations, company management, and project delivery success.

Due to an early interest in digital currencies, in 2017 Uldis moved to Chicago to gain a more in-depth knowledge in blockchain-enabled technologies and take part in events, conferences held by the Chicago Blockchain Center and local community gatherings in the US.

David M. Leibowitz

Asia Regional Manager

Capital Acquisition ~ Process Optimization ~ Product Development ~ Logistics.

Executive with over 20 years of proven leadership in product, brand development, logistics, supply chain management, import/export, sales, marketing manufacturing and operations.

Built three successful companies from inception to growth to profitability. Leverage knowledge of US and various Asian business cultures, and experience with the local governments and business communities, to optimize effective asset utilization, time to market, and manufacturing efficiencies in all business ventures.

Proven ability to deliver bottom line results through sound strategic planning, strong tactical execution, innovation, and individual initiative.

Davis Krikauskis

Delivery Manager


Early career start as a Project Manager in E-Commerce has led to the current position of Executive Partner in Scandiweb with a responsibility for the growth of more than a dozen other Project Managers.

By applying Agile thinking to the teams Davis has ensured complex project delivery to brands like Jaguar Land Rover, Mitsubishi, Lamborghini, and Fortune 500 #1 spot - Walmart.

Davis early interest in technology has now focused on a passion for Blockchain due to its complex nature and real-life applications.

The strong belief of Blockchain potential together with professional opportunity lead to Davis involvement in 3 blockchain projects. In 2 of them, Davis plays a management role in ensuring teams delivery of the platform developed.

Aigars Pavlovics

Head of Operations


Aigars is partner of full stack digital agency Scandiweb.com known for their projects and clients like New York Times, Thomson Reuters, Jaguar, Land Rover and other.

Through personal example, established the style and approach which characterized the company’s dealings with the clients. Been driving force for work ethic, culture, and values.

He is passioned about helping startups & business owners to succeed applying growth hacking mindset becoming industry leaders or creating industry itself.

His enthusiasm & love for innovations and technologies comes already from high early childhood when he was overwriting and developing his first Android ROM.

Leading projects integrating technologies such as VR, AR, smart contracts, and blockchain.

Technical Advisors

Raghavendra Srinivasan

Raghavendra is software engineer and AI expert at Youtube (Google) in California.

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Florian Burkart

Florian is an active trader with decades long experience, starting at…

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Ruchika Kumar

Ruchika is the CEO of Sku IQ, San Francisco based company focused…

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Mario Cohen

Mario has more than 2 decades of experience in the European and Latin Telco world…

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Karthik Iyer

Karthik Iyer is the India Ambassador of the P2P-Foundation…

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Foundation Council

Andreas Antrup

Council Member

Andreas is the Vice President of Data & Advertising at Zalando SE, the 2nd largest E-commerce company in Europe, as well as MD Zalando Media Solutions GmbH, its advertising arm.

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Vikram Nagrani

Council Member

Vikram is a Partner at the Hassans Law Firm, Gibraltar, where he advises numerous multinational companies on tax and corporate matters.

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José Abbo

Council Member

Jose has three decades of experience in the capital markets. He has authored numerous articles and speaks frequently on the financial markets, on the global economy.

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Karl Karlsson

Council Member

Karl Karlsson is a General Partner at Sway Ventures. Based in Europe, Karl identifies and leads investments principally in EMEA.

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Active Board Advisors

Lars Rydström picture
Lars Rydström

Founder, CEO of Liquid Capital

Lars Rydström, of Swedish origin, is a serial entrepreneur with over 40 years experience of building and selling companies.

On one occasion he ended up running Ronson PLC, listed on the London Stock Exchange, as a result of selling them one of his companies.

In 2006 he created his own Family Office for the purpose of investing in young and ambitious entrepreneurs in the e-commerce space and disruptive technologies. He has acted as investor and adviser to a number of startups and is currently involved in two other major ICOs about to launch.

Having seen and brought many retail oriented concepts from start-ups to stock exchange listings, I am intrigued by Fluzcoin´s concepts and believe in its outstanding potential to bring cryptocurrencies to the next level of every day usage
Keith Teare picture
Keith Teare

Founding Shareholder Techcrunch

Keith is founding shareholder of Techcrunch and is Executive Chairman and Chair of the Investment Committee at Accelerated Digital Ventures.

Previously he was founder and a partner at Archimedes Labs in Palo Alto, California.

Keith has served as chairman of the Board at Minds and Machines Inc (London AIM - MMX) and was an Advisory Board member at MedCo and also an Advisory Board member at Verisign.

Keith loves working with founders, teams, designers and engineers to create products, tell stories, and turn them into reality. Archimedes has over 20 companies that Keith mentors. Two of his companies were Unicorns - valued at > $1 billion (EasyNet and RealNames).

They span enterprise software with hundreds of customers (cScape/Clerkswell) ISPs and consumer web with millions (EasyNet/RealNames), Mobile (chat.center).

Specialties: Board leadership; Investing; Corporate Strategy; Product Strategy; Positioning and Go To Market planning,-Policy Issues; Standards Efforts; Evangelizing; Communicating

A clear institutional communication strategy will allow us to position Fluzcoin in the consumer eco-system as well as international tech audience.
Karl Teare picture
Karl Karlsson

General Partner at Sway Ventures

Karl is a General Partner at Sway Ventures. Based in Europe, Karl identifies and leads investments principally in EMEA.

He helps portfolio company entrepreneurs build high growth technology companies by adding his strategic and operational skill sets to augments management’s ability to manage accelerated growth and optimize success. Additionally he provides support with acquisitions, mergers and exits.

Karl was previously a Venture Partner with a leading U.S. VC firm, where he focused on European and Asian investments and served as the first point of senior contact with prospective portfolio companies identified in Europe.

Karl’s entrepreneurial journey has spanned 30 years, 8 company creations, an IPO of his first tech start up, the creation of thousands of jobs, and dozens of millionaires.

A serial entrepreneur, Karl conceived the idea for his first technology startup, Scoop Inc., while still in graduate school. He took this company from idea stage through to NASDAQ listing.

He has subsequently been instrumental to the success of a large number of global tech companies’ both as a founding entrepreneur and as an investor. Success highlights include 3721.com sold to Yahoo and rolled in to Alibaba.

Karl holds an Masters of International Management from the American Graduate School of International Management, Glendale Arizona and a BA in communications from California State University, Fullerton California.

On behalf of Fluzcoin Foundation Councillor, we commit to ethical oversight of Fluzcoin´s evolution and appreciation path
Anil Benard-Dende picture
Anil Benard-Dende

COO at Showroomprive

Mr. Benard-Dende has been Chief Operating Officer at SRP Groupe S.A. since 2016.

Mr. Benard- Dende began his career as a consultant with PwC before joining the PPR (Kering) Group in 2001, first in Fnac, then as Head of Logistics and the Supply Chain at Conforama, Switzerland in 2004.

In 2007, he joined Casino as Director of Methods and Organization at Easydis (Casino Group’s logistics subsidiary). In 2009, he joined Cdiscount as Head of Logistics and Supply Chain management.

In particular, Anil was responsible for reorganizing logistic operations, improving service quality and rolling out Cdiscount pick-up outlets in Casino stores. In 2011, he was appointed Head of Development, then in 2013 International Vice-President of Cnova, where he was responsible for all international subsidiaries in Africa, Europe, South America and Asia.

He is an engineering graduate from Arts et Métiers Engineering School (Ensam).

Online merchants prefer an independent merchant-driven retail coin, Fluzcoin has the potential for a true retail platform currency
José Ruiz picture
José Ruiz

Ambassador of Panama

José is a widely recognized business leader in Panamá. In September 2009, he was appointed Ambassador of Panama to Singapore.

He was also the non resident Ambassador of Panama to Australia, New Zealand and Myanmar. In 2013, he was appointed the position of Dean of the Diplomatic & Consular Corp in Singapore. Ever since José has been involved in crypto businesses as investor and advisor.

Fluzcoin has the potential of world-wide adoption. Even within Asia´s competitive payment landscape, Fluzcoin´s advantages are staggering
Dr. Sebastian Fourné picture
Dr. Sebastian Fourné

Assistant Professor at Wilfrid Laurier University

Dr. Sebastian Fourné obtained his PhD at the Department of Strategic Management and Entrepreneurship at Rotterdam School of Management (RSM), Erasmus University (The Netherlands) in 2014.

Sebastian is a strategy and corporate governance scholar and works as a full-time faculty member at Wilfrid Laurier University in Toronto/Waterloo, Canada. Prior to this engagement Sebastian was Assistant Professor of Strategy Implementation at WHU – Otto Beisheim School of Management in Vallendar, Germany. He is a visiting scholar at SMU in Singapore.

2007-2010 Sebastian gained practical experience in global corporate finance and strategy projects for the world’s leading diamond company, De Beers, in London (UK).

He obtained his MSc in Strategic Management Cum Laude and his BSc in International Business Administration Cum Laude at RSM and completed a graduate level exchange at The Wharton School at the University of Pennsylvania (Philadelphia, PA).

Sebastian is intrigued by the notion that most organizations tend to focus on existing businesses and clients, and are not able to break away from existing routines and processes in order to explore new business models and markets (such as those enabled by digitalization).

He focuses on the governance mechanisms and incentives that can be used to trigger an ambidextrous orientation, maintaining stability, yet preparing for the future.

Sebastian is also interested in the governance of family and non-family firms, especially the internationalization of family firms. He also researches when and why breakthrough inventions that may appear undesirable by standard evaluation criteria may receive resource support, that is when investors make a leap of faith.

The Fluzcoin Governance model is founded on academic best practices and highest ethical standards to make a change in how currencies are managed in this world
David Adelman picture
David Adelman

United States Ambassador to Singapore

David I. Adelman is an American lawyer, diplomat, and legislator.

He was the United States Ambassador to the Republic of Singapore from 2010 to 2013.

Currently, he is a partner in the global law firm Reed Smith LLP working out of the firm's New York office and regularly traveling to the firm's offices in Asia. Adelman is an advisor to venture capital firm OurCrowd.

Fluzcoin team saves valuable margin percentages between consumer and merchant which is being redistributed to the benefit of both.
Isaac Levy picture
Isaac Levy

Isaac manages the largest Panamanian lower to middle class retailers, El Costo, with 11 hypermarkets locations and millions of customer POS transactions every year, and over 3000+ employees.

He has obtained valuable experience and insight for retail customers and POS transactions. He earned his Bachelor in Business Administration at Bentley University (Boston, MA) in 2013.

We have to constantly innovate in payment options. Blockchain technology is key and with Fluzcoin we as merchants can check our concerns normally associated with cryptocurrencies
Alon Horovitz picture
Alon Horovitz

Alon is a serial Tech Entrepreneur based in Panama, who has ample experience in providing loyalty apps for millions of consumers in Panama, large scale cryptocurrency mining farms and top notch tech development in Tel Aviv.

Fluzcoin technology can easily be adopted in every retail store by using already existing POS networks, similar to top players in loyalty business out there.
Maurice Harary picture
Maurice Harary

Co-Founder of Fluz Fluz

Maurice is CEO Fluz Fluz United States, the global consumer cash back network.
Maurice is a US based serial Entrepreneur with a 10-year background in E-commerce and retail industry.

Maurice is CEO Fluz Fluz United States, the global consumer cash back network. Maurice is a US based serial Entrepreneur with a 10-year background in E-commerce and retail industry.

He owns a company Tech & Bowery who currently manages over 20 e-commerce sites in the B2B and B2C environment, ranging from interactive learning based experiences to price competitive marketplace trading sites.

Maurice has vast experience in all areas of e-commerce sites, ranging from custom e-commerce software development to operational planning.

As fast growing digital company in a competitive margin environment, we need a payment means which is equally scalable, cost efficient and default risk free.
Fluzcoin has these elements.
Phil Dardier picture
Phil Dardier

Partner at Avolta Partners

Phil Dardier, a European-based Canadian, is a Senior Partner at Avolta Partners, the leading European Tech Start-up Investment Bank.

There where he advises European Tech firms primarily in the French and Baltic/ Nordic region for fundraising (Series A, B, C as well as ICO's), cryptos and in a pure advisory capacity.

Recently the CEO of Alternativa, a European MTF specializing in illiquid asset trading. He also ran European and Global equity, derivatives, Emerging market sales businesses at Merrill Lynch and at BNP Paribas.

He, is a co-founder of the European Crowdfunding Network. He’s a longstanding Start-up investor with such firms as Vistaprint (NSDQ - CMPR), Attenda (UK), Digital Keys (Fr)... Phil was in a past life a Bobsleigh and Rugby International. Philippe holds a Master’s Degree in Management & Information Systems from ESCP in Paris and a Postgraduate Degree in Defence Policy & Foreign Relations from IHEDN in Paris.

Supporting merchant’s own loyal coin to the Fluzcoin makes much sense as we leverage the advantages of Fluzcoin as a platform





Based on prior launch experiences the team feels comfortable with the following time line

Start as use of payment means at retail

Trading Start of Fluzcoin

Fluzcoin Token Replacements by JP Morgan blockchain powered Fluzcoins

Fluz Foundation Representatives Positioning

Patent Application

Start of private placement via ERC 20 Fluzcoin Token in selected jurisdictions and to selected audience

Start of retailer onboarding

Whitepaper & refining and backtesting

Idea sharpening and preparation

Idea shaping

latest news

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