Tom Meredith, ICO Advisor

Founder and CEO of BitMinutes Inc, which uses a patent-pending “Smart Token” technology to monetize cell phone minutes. BitMinutes (BTM), a new crypto-currency I invented, serving as the universal crypto-currency enabling global telecommunications providers, retail merchants and a network of trusted agents to offer free money transfer and guaranteed loans to four billion cell phone users. BitMinutes are based on International (ISO) Banking Standards and provide secure liquidity for P2P lenders and democratizes P2P lending to denominations as small as $10.