BitMinutes is the first prepaid airtime token to provide low-cost financial services to the world’s two billion unbanked consumers. BitMinutes serve as the universal cryptocurrency for enabling global telecommunications providers, retail merchants and a network of trusted agents to offer free money transfer and guaranteed loans to billions of cellphone users. BitMinutes represent a business opportunity to entrepreneurial individuals, retail merchants and telecommunications carriers to offer financial services cost-effectively. By reducing money transfer costs, adding liquidity to a major global asset class of prepaid minutes and establishing credit history for the global unbanked, BitMinutes will raise the standard of living in many countries, greatly expanding the middle class to the benefit of all. Hence, the primary goal of The Bitminutes ICO is to provide access to these key financial services for over two billion unbanked worldwide.