Frequently asked questions

What is TOKIA?

TOKIA is a wallet, exchange and a direct crypto payment card created to simplify all operations and make them more convenient for all crypto currency conversions.

The exchange will also have built-in cold storage feature in order to make all you blockchain based funds safe yet easy to access.

Providing a chance to get into the use of blockchain based currency is important to ensure wider spread of this technology, specially to the part of the world where traditional banking systems cannot guarantee access for everyone.

With this product, TOKIA is aiming to bridge the traditional payment infrastructure with blockchain based assets and currencies.

How TOKIA works?

TOKIA brings comfort and convenience through its features and functionalities:

  • Add Funds – This feature allows users to add money to their TOKIA account through their blockchain wallet or bank account.
  • Buy and exchange crypto currencies – Everyone everywhere will be able to buy major cryptocurrencies with TOKIA.
    Moreover, it will be possible to use Altcoins for all purchases with your TOKIA debit card. No external, manual exchange necessary, no complex processes.
  • Pay Merchants – Like any other ordinary debit card, TOKIA card will allow you to pay for your groceries, online purchases or coffee using the crypto currency that is available on your integrated blockchain wallet as an underlying source of funding for the transaction.
  • Send funds – This feature allows users to send funds TOKIA users at anytime, worldwide.
  • Cash Out – This allows users to cash out their currency through partner banks.


A crypto currency is a digital asset designed to work as a medium of exchange using cryptography to secure the transactions, to control the creation of additional units, and to verify the transfer of assets.

Crypto currencies are classified as a subset of digital currencies and are also classified as a subset of alternative currencies and virtual currencies.

Why TOKIA is better than other similar platforms?

TOKIA is a wallet, exchange and a direct crypto payment card created to simplify all operations and make them more convenient for all crypto currency conversions. With these features we will be offering:

  • Forever free cryptocurrency exchange
  • Wide range of supported altcoins
  • Wide Range of Supported FIAT Currencies
  • Margin trading loans
  • Offline Crypto currency Storage
  • A seamless integration between all these components

What will be the operational fees of TOKIA debit card?

We will be announcing the rates as soon as 2018 1Q when all our negotiations with service providers will be over.

Where can I get TOKIA debit card?

You will be able to order the TOKIA debit card via our mobile app once it is released.

When do you expect to have the mobile app ready?

Mobile app should be ready by September 2018.

What currencies I will be able to exchange by using TOKIA debit card?

We’re looking to start with USD/EUR/GBP, more currencies to be added later.

What card will you use?

We are planning to useMasterCard. This will be finalized once the negotiations with our partners are over.

What limits will apply to TOKIA debit cards?

We will be announcing the rates as soon as 2018 1Q when all our negotiations with service providers are over.

How can I use my TKA tokens?

TKA token holders are incentivised to hold on to their TKA coins, as these will be essential to our exchange loyalty program.

For TOKIA community members who purchase 1000 or more TKA tokens we will waive the exchange fees for exchange transactions, whose cumulative value in USD does not not exceed 10x times the tokens held (i.e. if you hold 1.500 TKA tokens, we’ll waive the exchange fees on 1.500 x 10 = 15.000 USD worth of trading per month).

We will likely add more ways how TKA tokens will be beneficial for token holders in the future.

What cryptocurrencies and altcoins will be held in my TOKIA wallet?

TOKIA debit card will be able to hold cryptocurrencies, which are directly tradable to/from USD in major crypto exchanges (e.g. BTC/USD; ETH/USD; BCH/USD).

This list will be expanded when and as other altcoins become directly tradable to/from USD on major exchanges.

I bought TKA tokens using ETH(Smart Contract) and I can't see them in my wallet. Where are they?

If you choose ETH(Smart Contract) as your payment method, you get your tokens straight to your private wallet, The same one you had used to pay for tokens. You just need to add custom token by following details:

Our token address – 0xdae1baf249964bc4b6ac98c3122f0e3e785fd279

Symbol – TKA

Decimals – 18

If you choose any other payment method, your tokens will be held in your account untill we send them out. We sending tokens every Wednesday.

Is there a shortlist of currencies you guys have in mind, or will I be able to trade them all?

We’re looking to start up with BTC, ETH, BCH (Bitcoin cash), we’re looking to add 50 major currencies later in the year.

What is the idea with lending?

Users will receive interest on the crypto assets they lend to other users of TOKIA exchange for trading. Interest rates will depend on the period for which funds are lent.

Why would i need a crypto loan?

You can take out a crypto loan and use it to buy more/alternative crypto assets, effectively putting on the repo deal your existing crypto you already have.

What are the interest rates on a crypto loan?

Specific rates are to be announced later.

What is the amount of tokens being released in total?

We will release 50 000 000 tokens (75%) for the general public and the remaining 25% will be reserved for the TOKIA team, partners and advisors.

The portion reserved for TOKIA team will be locked for 12 months by a smart contract.

What FIAT currencies will TOKIA support?

TOKIA is aiming to support over 50 FIAT currencies. Initially we look to start with EUR, GBP or USD – specifics depending on the number of customers signing up from each respective geography as well as TOKIA’s ability to comply with local legislative requirements.

What are TKA token privileges?

TOKIA ICO participants will be eligible for several privileges.

All ICO members will be prioritised on the waiting list for the TOKIA card. Then, depending on the number of tokens purchased, we will waive exchange fees, issue and deliver the TOKIA card for free and offer premium TOKIA wallet features for free.

You may also consult TOKIA website for details which benefits will apply at what numbers of tokens purchased:

What cryptocurrencies I can use to buy TKA tokens?

Accepted cryptocurrencies are: Ethereum, Bitcoin, Litecoin.

You may also use your credit card.

What are the key components of TOKIA product?
  • TOKIA Cryptocurrency Exchange
    To facilitate the conversion between crypto and traditional assets, as well as between cryptocurrencies, TOKIA will be offering an exchange platform. It will operate on a brokerage principle – TOKIA will act as exchange agency that executes the conversion based on single aggregated exchange rate, which is based on the prevailing rates at global crypto trading platforms.
  • TOKIA wallet
    Multi-currency blockchain Wallet enables users to store and manage all of their crypto assets that get traded on the exchange and get spent via the debit card from one convenient location.
  • TOKIA debit card
    Everyone everywhere will be able to buy major cryptocurrencies TOKIA. Moreover, all these Altcoins could be used for all purchases with your TOKIA debit card. No external exchange necessary, no complex processes. When you will make a payment with TOKIA debit card it will automatically connect your cryptocurrency with FIAT currency. TOKIA wallet automatically selects the best exchange rate depending on the currencies in the wallet at the moment of the operation.
  • Secure Cold Storage
    Decide how much of your coins should be kept in cold storage.

What are the premium TOKIA wallet features?

Premium users will be able regulate what part of their money will be saved in cold wallet and which part of their money will be used for everyday use.

Also, we are planning to add more features for premium users on the go.

How much is 1 TKA token?

1 token is worth 0.0014 ETH.

We will however be offering a discount for the ICO participants. Current discount is -47% and it will be valid from December 4th to December 30th.

Further discounts are shown in the table below:

Will TOKIA only be available in Europe, or will it be global?

We will start in Europe, but our goal is to be global.

Will "Know Your Customer" requirements apply, or it will be anonymous?

Yes, “Know Your Customer” requirements will be applicable.

Will my money be safe in TOKIA wallet?

TOKIA’s mission is to provide reliable and effective currency exchange service to everyone. Although, one of the main aspects of our business model is based on the highest possible security we believe that additional steps to make safe processes even safer could only be advantageous.

Two-factor authentication will be applied whenever possible to ensure greater security to clients’ crypto assets, we will perform independent security audits – these are just few of the security measures we have planned.

How my investment will be used?

All funds received from the ICO will be used for the development of the TOKIA cryptocurrency exchange platform, for the development of TOKIA mobile app, for the development of debit card system and all the connective components integration that everything would work as one decent product.

TOKIA token distribution

Funds distribution

Why TOKIA debit card is better than current market?

Paying with BITCOIN

What is TOKIA’s ICO plan?

The key facts about TOKIA ICO

Will TKA be traded at exchanges?

Yes, TOKIA tokens are expected to be tradable on major exchanges on May 1st, 2018.

Why can’t I find TKA on exchanges?

This is because TKA token is not listed on exchanges yet.

The TKA token is expected to be listed on exchanges on May 1st, 2018.

Will I get a confirmation email?

Yes, after you buy TKA tokens you will receive a confirmation email.

Where is the smart contract?

Smart contract will be uploaded to Github on 10th of December.

Audits of the smart contract shall be completed by 19th of December.

When do I get my tokens?

Tokens will be delivered with smart contract on 20th of December.

Will I be able to get a refund?

As stated in our whitepaper, all transactions are final and refunds are not possible.

Is there a bounty program?

Yes, you can find more information about our bounty program here.


General inquiries
Bounty program