We believe that when we do anything if we don't believe in ourselves and what we are doing, we will never succeed. And what is easy come will easy go, only goals which are difficult to be achieved will create the real value! Our team members owned a same great skill is we never give up and we will always search for solutions to solve all difficulties! We also know that because of the unstable situation of politic and economy are happening many places around the world, so many people start finding better currencies for transactions, this is also the main reason to make cryptocurrency become a very hot trend at this time! We believe that is the normal evolution and development of human society (in our history has witnessed many similar phases and events)! We have enough knowledge about IT field and doing business, we understand that to build systems like PayPal, Amazon, Alibaba or Aliexpress is not very difficult, we are total can build similar systems but our systems even can support for both cryptocurrency and Fiat currency! Those companies only difference with us is they have a great opportunity to receive support from big funding companies and even government because all of them are established at the beginning of the era of the internet (For example: Alibaba has established from the beginning of the era of the internet in China, so they have opportunity to receive great support from big funding companies like SoftBank, etc... and the Chinese Government about resources, relationships, policies, etc...). The beginning of the era of the stock market is also similar to the beginning of the era of the internet, also generated many big names and many big companies. Current is the beginning of the era of the blockchain technology and cryptocurrency, we believe that we have the same opportunity with PayPal, Amazon, Alibaba or Aliexpress... Why not take this opportunity? Our team only think and do, with all of our efforts and sincerity, we believe we can convince and get support from many investors to realize our dream!

With popular users who only using ClickGem wallet system for storing cryptocurrency, making personal transfers, using internal exchange or using ClickGem entertainment applications, we don't require them to verify personal information, but we recommend them should to verify their information because it is necessary in case they want to recover their account in case they have forgotten their username, lost their email, lost their 2FA application, etc...
With professional users who want to use our paygate for their business, to receive payment regularly, they have to verify their merchant information and waiting for our approval.

With the same question to you, Bitcoin is very popular coin and its has a lot of communities and applications which strongly support for it, why you don't only use Bitcoin and still using other coin? Also, why people doesn't only buy products from a big suppliers? More providers will reduce monopoly situation in service and price, more competitive will provide users more options, better price and better service! We never said you should to use ClickGem instead of those other services, we only hope ClickGem will be your additional option and it maybe better for you in some cases! In fact, many projects have similar ideas but they are not totally same, still have different targets, different developments, different advantages, etc... And ClickGem is quite different with those services, and it have more advantages in some cases. Finally, the choice is up to you!

ClickGem doesn't exchange currency directly with users and only create a platform to support users exchange currency with other users so we haven't bear any risks with the exchange rate. Also, all transactions inside ClickGem system are internal transactions, even cryptocurrency transactions inside ClickGem system are off-chain transactions so we only charge users very low fee for transactions, even if they are in different geographical locations! Users only bear additional fees when they deposit/withdraw Fiat currency to/from their Fiat currency wallets (bank fees & debit/credit card fees) and bear additional on-chain fees when they transfer cryptocurrency to other systems.

Our ICO organized on our website on this February was not succeeded because of many reasons:
- ICO's launched time is too early (our website has just opened from January 2018 and we haven't enough time to run marketing programs, expand community and publish detail information within a month). Also, at that time, we only have whitepaper and our products (applications) are not completed yet.
- Bad time for ICO: The downward trend of the major cryptocurrencies at all markets; The failure of BitConnect and many other lending projects; The confidence of investors in ICO projects dropped due to the appearance of many scam/ponzi projects, etc...)
- We don't have much experience, good consultation, and good preparation to start an ICO project. However, until this time, we really learned a lot from those lessons.
After that, we need to run our project with main funding source from founders.
Now we decide to find private investors for private sales and ICO again in a public exchange:
Private sales quantity: 7,000,000 CGM (about 24%)
Private sales price: $2 per CGM (about 50% discount)
ICO quantity: 5,000,000 CGM (about 17%)
ICO price: $3.78 per CGM

a. Like PayPal and other similar digital payment systems, ClickGem creates digital wallet for each Fiat currency and mechanisms to deposit/withdraw to those digital wallets through bank or debit/credit card (in each country which their currency is supported by ClickGem system, we will open a bank account for that local currency), users can also receive transfers for Fiat currency from other users.
b. For exchange between Fiat currency with Fiat currency, ClickGem develops an internal exchange so all users can exchange Fiat currency in their Fiat currency wallets with other users. To improve the liquidity on the exchange, we will also develop API to integrate with other Fiat exchanges / Foreign exchanges (Forex) for listing and trading with orders on their exchanges.
c. For cross-exchange between Fiat currency with cryptocurrency, we also develops an internal exchange so all users can exchange Fiat currency and cryptocurrency in their wallets with other users. In each country, has many online service providers to exchange cryptocurrency to their local currency (Fiat currency), we will become the partner with them and develops API for listing and trading with their exchange orders to improve the liquidity on our exchange.
d. Our paygate will closely integrate with our internal exchange and also have API to integrate with other exchanges so it has the same ability when exchange currency for sellers/buyers during the transaction progress.

Well, decentralized and decentralization is very hot keywords at this time! The blockchain itself and the cryptocurrency itself are also a decentralized system! However, unfortunately, decentralization technology is still limited at this time! Two different blockchains still can't connect directly with each other and because ClickGem system is supporting for all kind of cryptocurrencies and also Fiat currencies so it is still a centralized system. However, it works with many different decentralized systems and has many different servers... you can consider it a semi-decentralized system! Also, we never stop upgrading and improving our applications, if have any chance to make it become fully decentralized, we will do it!

Security is the most important of an IT system! Understand this, ClickGem development team have applied all latest security technology to ClickGem system. Basically, ClickGem website has actived SSL, web application firewall and other security features from CloudFlare. All requests from users to our servers are encrypted by SHA, all sensitive information from users are encrypted by SHA or MD5 before stored on our servers. We are using multiple different dedicated servers to host and run ClickGem system instead of only one dedicated server or shared servers to limit the whole system will be controlled by hackers when it is attacked. Each server on the network have hardened for anti-hacking protection, activated multiple layers of the firewall (on servers, on routers, etc...) and limited with public ports. In addition, we also use multiple different proxy servers to hide our real servers, create more difficulties for hackers... These are some examples of security which are applying to our system, we can't share more information because it is private information!
In fact, security is the general issue with all IT system and no system is perfect! Even big system like twitter, facebook, windows, MacOS sometime still have security vulnerability... We will learn from lessons from other projects then improve ourselves! When have more budget, we will also become partner with big companies on security field to get their help on improve system security!

All team members are newcomers to the crypto economy but all of us having many experiences with other IT projects, other businesses and the financial economy!

Because ClickGem project focuses solely on developing an ecosystem of applications which support for all cryptocurrencies, the CGM coin is simply forked from Litecoin open source. However, we think it is good enough to use as a cryptocurrency, no need any new additional features!