Jumat, 30 Agustus 2019

THALER

50.000 Worth of Token Share

What Is Thaler?

Thaler is a bridge creator between our community and large investors. The idea of crypto mass education will lead our token to mass adoption Thaler is a peer-to-peer digital currency which encourages growth within the blockchain technology community It aims to strengthen the path towards mass adoption of cryptocurrency technology through investing in unique innovations Thaler is fully decentralized and by definition the most trustable coin on the market Never spend vour.

Problems

However, despite all these advantages, its structure is still developing and improving itself. This growth dynamics is formed as technology6 grows in response to requests from society, as well as other areas of influence that affect this area of ​​technology in their projects. That is, if you now remember the times when the blockchain, with the world’s first cryptocurrency Bitcoin, was just born, then it had rather narrow capabilities. Later, over time, a new type of coins and another type of blockchain appeared, faster and more easily scalable, and it is called Ethereum. As a result, many more other blockchain networks appeared, each of which is ready to demonstrate its distinctive specifics.
But despite such a pleasant growth dynamics and a positive aspect of the technology, many fraudsters began to abuse the trust of the audience, in particular investors, who invested in promising projects with special enthusiasm. Now, against the backdrop of sad practice and a large number of accumulated fraudsters, the cryptocurrency market has stalled somewhat in its further development. Since against the background of “beautiful” fraudulent projects, the most promising projects lose their voice and further possibility for existence. Since investors have become extremely skeptical of all blockchain projects. Which naturally causes its irreparable damage to the development, not only of this technology, but of our modern society as a whole.
To restore the balance and transparency of all procedures, offers a team of specialists. The mission of which is to provide complete and truthful information about all subsequent projects that have passed their evaluation. It is interesting to know what am I talking about? Then read on.

About the project and its advantages

As you may have guessed, the project I want to talk about now is a platform that will be a decentralized filter for checking. By means of which users, and in particular investors, will be able to get the most reliable information about a particular project that has passed through the system — THALER . Simply put, THALER is a blockchain ecosystem with built-in filters, functions and parameters on the basis of which a full analysis of other blockchain projects will take place, with all the resulting informational references.
To carry out such a high-quality verification, the founders of THALER intend to use successful verification algorithms, which will include such systems as the “jury”, artificial intelligence, as well as a PsP information collection system (successfully used in court practice). Thanks to this particular combination, THALER developers will be able to provide the very high level of trust for their users and investors, which unfortunately no other platform could implement before.

Features and principles of work

Since THALER is aimed at the further development of blockchain technology, in its own ecosystem, it provides for its own token — TAL for all internal operations. Its presence implies not only the standard function bought / sold, but also participation in the vote. This function allows you to participate in the competition more democratically and more accurately determine suitable projects for investment. Moreover, the selected projects will be awarded the maximum evaluation by the jury, as well as the full participation of investors from the most active crypto users.
However, not all projects will be able to get into the THALER verification system . After all, even in order to get into it, each project must comply with a whole series of requirements. For example, have a registration, a technical document, and also fill out a special application form in the THALER system itself . Only after that it will be available for familiarization to the broad masses of users of the THALER system.
This principle intends to restore confidence in worthy cryptographic projects, as well as support the massive adoption of cryptocurrencies around the world. Indeed, many tools offered by new projects are undoubtedly an integral solution to existing problems. Moreover, their actions are aimed at improving the state of our life.

Conclusion

The advent of blockchain structures like THALER is not new. I have already written about a similar resource. Nevertheless, the appearance of this platform has a number of its features and advantages, thanks to which it is able to withstand the existing competition, as well as to tell everyone about its capabilities. But, of course, to evaluate this kaleidoscope of opportunities and prospects from THALER , it will not be enough for you to read a brief review from me. Since outside it lies a whole storehouse of useful and very interesting information. You can familiarize yourself with it by going to the section “official project resources”. And that’s all for new reviews!
Author: Foto lama

Allbebet

PLATFORM FOR BETTING ON SPORTS

About

Allbebet.bet is a sports and e-sports betting app directly between people. The adoption of blockchain technology into the existing bookmakers’ business model has enabled us to create an environment where there is no control over users and their funds. The app logic is based on smart contracts, which has helped to achieve total performability and immutability of conditions. Thanks to solving numerous problems with bias against players among bookmakers, Allbebet.bet platform is the best solution for sports betting.

ADVANTAGES

TRUST
NO “GREY” SCHEMES. TRANSPARENT TRANSACTIONS
CONVENIENCE
MULTIPLE TOOLS IN ONE APP
SECURITY
PROTECTION IS GUARANTEED BY THE BLOCKCHAIN SYSTEM
In addition to traditional functionality, Allbebet platform offers a wide variety of innovative services, not just tailored to fulfill user expectations, but to provide strong security, transparency and equity.
Main framework needed for betters is already implemented in the MVP:
  • Head-to-head bets, multiplayer bets, totalizator
  • Ratings and statistics
  • Analytics and AI match forecasting
  • Match livestreams
  • News and soccer match previews

PLATFORM FUNCTIONALITY

BETS
RATINGS ANDSTATISTICS
CHAT
MARKETPLACE
USER PROFILE
ANALYTICS ANDFORECASTING
NEWS
BROADCAST

MVP

Allbebet created a platform where millions of people can play with each other, place bets, obtain predictions and analytics, freely withdraw the winning, and communicating within the platform create teams for joint bets.
Allbebet is a platform based on Blockchain technologies and smart contracts using AI.
The functionality of the platform includes additional services and developments of Allbebet:
  • Allbebet.news is the generation of the original text content and matches preview based on machine learning technology and prediction of sports events results.
  • Allbebet.Analytics is intellectual analytics and prediction of sports events results.
  • Allbebet.wallet is the company’s own wallet for the cryptocurrency storage and exchange.

TOKEN FEATURES

Name of token: Allbebet (ALB)
Token issuance platform: Ethereum
Standard: ERC20
Fractionality: 0
Total number of tokens: 1.000.000.000
Phase one: 1% of total emissions
Phase two: 3% of total emissions
Emission intensity: No additional issue possible
Trading pair: ALB/ETH
Issuer: Allbebet OU

TOKEN FUNCTIONALITY

Opportunity to place bets within the platform Allbebet.bet
Opportunity to use the ALB token in other company services: Allbebet.Analytics and Allbebet.news.
«Marketplace” section provides an opportunity to buy clubs, players and sports partners goods for the ALB token within the Allbebet.bet platform.
Opportunity of technical collaboration with other gambling sites that will allow partial or complete integration of the token ALB into their infrastructure.

Roadmap

1st quarter of 2017
The beginning of an idea. Start of research and market analytics.
1st quarter of 2018
Recruitment and team building. Confirmation of hypotheses.
2nd quarter of 2018
Design and development of neural network algorythms for sports analytics purposes.
3rd quarter of 2018
Development of the platform core.
4th quarter of 2018
Data handling. Collection, analysis and markup of data to teach neurointelligence that can predict events.
1st quarter of 2019
Development of web and telegram interface for sportsbetting through smart contracts.
2nd quarter of 2019
MVP release allbebet.bet on smart contracts. Conclusion of agreement with partners.
3rd quarter of 2019
The first round of public sales. The release of MVP, telegram interface for sportsbetting @allbebet_bot on smart contracts.
4th quarter of 2019
The second round of public sales. Release platform allbebet.bet. Start developing mobile and desktop applications.
1st quarter of 2020
Company registration under gambling, as well as license gambling – license on the Isle of Man and Curaçao.
2nd quarter of 2020
The release of mobile application on android and ios.Parthership with sports associations.
3rd quarter of 2020
Implementation into the platform of the neural network module (collective intelligence). Reports analytics, indicators.
4th quarter of 2020
Further teaching of neurointelligence based on datafrom the module (collective intelligence).
1st quarter of 2021
Public presentation of the neurointelligence that can predict the results of football events.

Team

RAMAN DOLNY: CEO, Executive Director
DMITRY YAKIMOVICH: СОО, Operations Director
ALEXANDR MELUSHEV: CTO, Technical Director
DMITRY EFIMOV: Head of machine learning Department.
VLADIMIR GOLOVKO: Doctor of technical science. Professor.
SERGEI BEZOBRAZOV: Candidate of Technical Sciences. Head of department of neural networks design.
SERGEY ANFILETS: Machine learning development engineer
ARTUR KARAPETYAN: Head of business development Department
EGOR MIKHNO: Software Engineer, Auto-Encoder Systems Developer
VALERY KASYANIK: Software engineer. Sports analysis systems developer
SERGEI ANDREEV: Head of sports partnership. Senior manager
ROMAN ROMANENKO: Community Manager
VLADIMIR NITA: Senior Lawyer
VLADISLAV KOVAL: Head of Marketing and PR Department
ALEKSANDR EMELYANOV:
Full stack developer

ADVISORS

DMITRY MACHIKHIN: Legal advisor
TONY SIMONOVSKY: Marketing consultant
DARIYA DONETSKAYA: Investment advisor
EGOR SYZIN: Sports consultant
Author: Foto lama

XCARD

SPEND ANYWHERE, ANY CRYPTOCURRENCY, ANY PAYMENT CARD

XCARD WALLET

Our mission is to connect fiat currencies and crypto assets in real-time. Store, trade and exchange them instantly and spend anywhere you want, with no limitations.
XCARD Wallet unique instant exchange feature uses risk-free decentralized internalizer with intelligent atomic swaps functionality. Your funds are safe with us, stored in a multi-signature and/or cold-storage wallet to ensure that you’re the only one with the access to your money.

MULTI ASSET WALLET

XCARD Wallet supports a large number of financial assets & services including
  • Fiat Currencies
  • Cryptocurrencies and tokens
  • Securities based on the blockchain technology
  • Non-fungible tokens and Collectibles…
  • and their auctions
  • eCommerce payment services
  • Peer to peer transfers, lending & recurring payments.

PAY EVERYWHERE

You can pay anywhere you want, with any (crypto) currency and any payment card. XCARD wallet allows you to make and receive payments in the desired currency. Buyers and sellers decide transaction details independently.
Our decentralized internalizer enables payments without waiting for network consensus & competitive interest rates.

THE IMMEDIATE EXCHANGE AT THE BEST PRICE

XCARD decentralized internalizer aggregates data and liquidity from different sources (partner exchanges, brokers and own pools) providing best exchange price available on the market.
XCARD enables trading with over 200 cryptos (including altcoins), FIAT to crypto & crypto to FIAT conversion directly and instantly.

FEATURES

SAFETY & CONVENIENCE
Perfect place to make your first step towards cryptocurrencies in a secure environment.
BUY CRYPTOCURRENCIES EASILY
Buy Bitcoin or other cryptocurrencies using your payment card or wire transfer.
LIMITLESS EXPERIENCE
You own your funds, without any limits.
Buy, Sell or lend your crypto assets freely.
ANY PAYMENT CARD
XCARD Wallet supports most debit & credit cards. Sign up to XCARD Wallet with your existing payment card & start buying cryptocurrenices or spending them freely.
INSTANT SETTLEMENT
XCARD decentralized internalizer and intelligent atomic swaps functionality allows for all transactions to be most efficient & in real-time.
FULL KYC COMPLIANCE
XCARD Wallet is fully KYC compliant.
Our onboarding process is much easier than opening a bank account.
BUY NOW, PAY LATER
We enable you to spend money no matter if you have funds or not with our first on the market biometric crypto credit card.

XCARD TECHNOLOGY

XCARD’s extensive history and technical know-how of the payment services industry enables it to use modern to provide a swift and smooth user experience.
Supported cards 
XCARD will support all payment cards with a technical bank account number. Individual providers will be added to the platform successively, however, from the very beginning of the operation, XCARD is looking to provide a quick transaction with a guarantee of less than one day for: Visa, Visa Debit, Visa Electron, MasterCard, Maestro. XCARD is also working towards to support for JCB, UnionPay, Diners, Club, Amex.
Direct payment gateways
 A payment gateway is a merchant service provided by an e-commerce application service provider that authorizes credit card or direct payments processing typically for e-businesses, online retailers, bricks and clicks, or traditional brick and mortar. A payment gateway facilitates a payment transaction by the transfer of information between a payment portal, such as a website, mobile phone or interactive voice response service, and the front end processor or acquiring bank. XCARD connects to the major gateways to provide near instant transactions to its users. For Visa cards, XCARD is looking to use OCT. OCT (Original Credit Transaction) is an innovative payment system for fast and convenient fund transfers to eligible Visa cards. Cooperation with VISA and the implementation of new services such as SEPA (Target/TIPS) and SWIFT schemes allows users to benefit from fast and cost effective transfers globally.
For MasterCard, XCARD is looking to use Maestro and Money Send.
Internatilizer – matching engine 
Internalizer is the matching engine that matches the best FIAT prices for users that are converting currency. The matching engine is one of the fastest and the most robust matching engine technology for the retail forex and cryptocurrency market. Forex providers and exchange operators of all sizes can connect to the matching engine technology using several ways i.e. FIX API and proprietary developed bridges. We will use risk management tools which will calculate, check, control, filter and update all system parameters constantly as trades are matched.
Connection to exchanges
Exchanges are another essential part of the cryptocurrency ecosystem, matching buyers and sellers of the digital assets. Тhe rising number of cryptocurrency exchanges intensifies the rivalry among them, and the struggle to keep and attract customers.
XCARD instant loan backed by crypto is specifically designed to provide partnering digital asset exchanges with additional leverage and liquidity in order to support their margin lending activities, enabling them to reach higher capital efficiencies.
Data feeds for the price
Access to comprehensive price discovery is vital to accurately value the cryptocurrency market. XCARD will use access to stream real-time and historical data for the most actively traded digital currencies. XCARD will offer multiasset and multi-venue data from several cryptocurrency trading venues, markets, and exchanges globally.

XCARD’S TOKEN SALE

The XCARD project is looking to raise funds through an XCARD IEO to bootstrap its platform economy around users, business partners, lenders, and borrowers. The XCARD platform will be at the beta version stage at the launch of Initial Exchange Offering.
MBM has a dual nature of an access token and a transaction fee token. Users need to hold a certain number of MBM tokens to use and interact with the XCARD platform. The Initial Exchange Offering event is the primary issuance of tokens and the first chance to purchase them. Users can later obtain tokens through the XCARD platform itself, or independent brokers.

Token Distribution

USE OF PROCEEDS

ROADMAP

Q3 2019
BETA of XCARD Wallet (Android & iOS) available for the first 5K users.
Q4 2019
IEO: expected goal $5M equivalent.
Q1 2020
Integration with selected partners: VISA, Santander Bank, GateLab, Exchanges, PSP.
Q1 2020
Launch of the XCARD Wallet.
Q1 2020
Decentralized internalizer with intelligent atomic swaps set up.
Q3 2020
Full XCARD Wallet & crypto credit card goes live & is available on App Store & Play Store.
Author: Foto lama

Warranteum

Insurance Blockchain for Investment Ecosystem

About

WARRANTEUM is a pioneer in the worldwide applying blockchain technology in the field of insurance not only for ICO but also for the nominal value of cryptocurrency. With a team of experienced consultants in areas of investment, cryptocurrency and insurance we provide investors the overview of the current ICO market and optimal insurance solutions for investors.

Mission

We focus on the need of protecting the assets of cryptocurrency investors and become a long-term strategical partner of our clients in the field of financial loss management, establishing the company image with perfect services in controlling and minimizing financial losses to investors.

Vision

We are totally dedicated to protecting the assets of investors and the community by providing the perfect solutions to minimize the risk of financial loss to investors.

Problem

Wherever there is investment, there will be risks especially ICO investment. Everyone knows that investing in ICOs is often risky, but once successful it brings a huge profit for investors. Since the ICO has not yet been closely managed by the government, any organization, individual or company can raise through the ICO, which inadvertently creates as many negativities such as many people intentionally misuse ICO to seek for their own profit.
ICO Scam
Bogus companies attempt to take advantage of ICO and fraud by creating unvalued coins, swindle investors and “seduce” them invest in the project. At last these companies will take away the whole money from investors and disappear without a trace that investors can not get any legal intervention. This is also what investors are worried the most about joining the ICO.
Failed ICO
Beside fraudulent ICO, investors also have to face with another risk which is failed ICO. It is always believed that a large portion of ICO projects will fail, either at the fundraising stage or at the project stage. After completing a large-scale study of crowd sales projects last year, news.bitcoin.com may report that 46% of them have been “dead” – despite calling for more than $104 million. There is no guarantee that you will see the high returns expected from ICO investments in emerging markets. In fact, you may lose your investment, as many things can go wrong.

Solution

However, the range of risk can vary significantly. Risky investments can be very attractive because they usually offer the prospect of higher returns. It so happens that you can find some of the most attractive, and riskiest, investments in emerging markets. If you choose to dabble in these markets, investment risk insurance may be a beneficial option for you. Investment risk insurance provides protection against losses that may arise because of these factors.

Why Choose Us?

The Market Needs Us
We protect investors from financial loss in this high risk crypto market.
High Demand
As long as investors want to protect their fund, WRT demand will always increase.
First Insurance Business
Warranteum is the first insurance business for crypto investment.
Multiple Revenue Channels
We generate profits based on multiple channels which are good for token holders.

TOKEN SALE

Warranteum brings special benefits of product and service to Crypto market investors as well as Warranteum token (WRT) holders in the future. An attractive bonus strategy which reward investors by both ETH and WRT create favorable condition for them to possess WRT beneficially.
Token Details
Phase: Private Sale
Bonus: 40% (ETH + WRT)
Price: 1 WRT = 0.3$
Token Supply: 80.000.000 WRT
ICO Supply: 32.000.000 WRT
Accepted: BTC, ETH
Protocol: Ethereum ERC20
Token Allocation
The token allocation rate plays an important role in developing and maintaining the business aspects of the project in the long-term orientation. After careful research and the contributions of experts, Warranteum will allocate tokens according to the following rate:
  • ICO 35% For maximum and unique service to the development and maintenance of the project
  • Development: 10%. For deploying profitable business strategies and financial investments to maintaince and stimulate the growth of Warranteum sustainably
  • Marketing: 15%. For the marketing strategies of the project
  • Warranty Fund: 15%. For spending purpose in case the compensation amount exceeds the system working capital
  • Founder Team: 15%. Will be freezed in 2 years
  • Reserved: 10%. For reserve fund covering unforeseen riskes and costs
Fund Allocation
Beside token allocation, fund allocation is also a contributing factor to the success of the project. The reasonable allocation of funds helps Warranteum manage its financial resources easily. Therefore, WRT will have strong financial resources for investment, business development, system development leading to financial growth. With the contribution of financial experts, the Warranteum will allocate funds as following proportion:
  • Development: 25%. Provide quality services, bring more benefits to customers and create service support systems
  • Marketing: 25%. Will be spent for the project’s marketing strategies, attaches importance to the construction of impressive marketing strategies to get huge awareness
  • Warranty Fund: 20%. For the purpose of paying insurance agreements that match the “Compensation Term”
  • Operation Cost: 10%.
  • Investment: 10%. Invest in some other fields in order to protect the strong growth and sustainability for the project
  • Reward Investors: 10%.
  • Reserved: 5%. For reserve fund covering unforeseen risks and costs

Roadmap

Q2 2018
Aware of the real situation in cryto investment world and generate ideas
Q3 2018
Warranteum team was established and the first whitepaper draft was written
Q4 2018
Develop Warranteum Website and insurance foundation for crypto investors
Q1 2019
Release the last version of Whitepaper and Warranteum website
Q2 2019
Development Insurance Use Case for ICO
Development Insurance Use Case for Crytocurrency
Q3 2019
Develop smart contract for ICO phase
Conduct marketing strategies to spread the awareness and influence of Warranteum
Q4 2019
Private Sale
Pre-Sale
Crowd Sale
Development of Insurance system
Develop “Review” and “Listing” service
Conduct marketing strategies to spread the awareness and influence of Warranteum
Q1 2020
Development of warranty system (Continuously)
Development “Review” and “Listing” service (Continuously)
Development “Marketing” and “Advertising” service
Development “ICO Investment Pool” Service
Conduct marketing for “Insurance” service of Warranteum
Q2 2020
Develop “Review” and “Listing” service (Continuously)
Develop “Marketing” and “Advertising” service (Continuously)
Develop “ICO Investment Pool” Service (Continuously)
Conduct marketing for “Insurance” service of Warranteum
Q3 2020
“Insurance” service of Warranteum is released officially
“Review” and “Listing” services of Warranteum are released officially
Conduct marketing for “Review” and “Listing” services
Q4 2020
“Marketing” and “Advertising” services are released officially
“ICO Investment Pool” service is released officially
Conduct marketing for “ICO Investment Pool” service
Q1 2021
Improve system services of Warranteum and put effort in the marketing in order to spread its influence to crypto community
Author: Foto lama

Rabu, 28 Agustus 2019

SORAIX

Equity Token & Crypto Currency Exchange Platform

About

Soraix is ​​determined to radically change traditional stock exchanges by tokenizing asset exchanges through blockchain technology. By doing that, we aim to shift public perceptions about digital assets in a positive direction, resulting in broader adaptation and stability in the industry. Soraix will provide significant benefits for traditional investors (retail traders, the general public) and businesses of all sizes. Traditional users will benefit from our first revenue-sharing model, which allows them to trade their SRX Tokens against Equity Tokens with a higher valuation (and if they want to, immediately sell Equity Tokens purchased for fiat currency, securing all profits in trading ). Corporate clients, will have the ability to raise funds, by issuing Equity Tokens on our platform. For more about this,
Cryptocurrency trading (computerized cash trading) is a business that allows clients to exchange digital forms of money or sophisticated monetary forms for different resources, for example, traditional cash or other sophisticated monetary standards. Digital currency trading can be a market creator who regularly accepts the spread approach to bidding as an exchange commission for administration or, as a coordination stage, basically charges fees.
Computerized monetary standard makers are often autonomous from sophisticated money trading that encourages cash exchange. In one type of framework, digital currency providers (DCPs) are organizations that maintain and manage to represent their clients, but most do not make legal advances to clients. The client buys or sells computerized cash from advanced money trading, which moves advances into or out of the client’s DCP account. Some trades are DCP assistants, but many are legitimate autonomous organizations. The division of assets stored in DCP records may be from real or imaginary money.
Exchange of customary securities is very limited by working only during working hours, and in the nearest time zone of the referred market. A dealer, who has important parts of an open organization, who wants to react to showing opportunities progressively must hold out until the market reopens, at which time the opportunity to benefit from the opportunity referred may have passed.

Features

– For Traders,
Retail Traders will be offered a variety of basic and complex instruments and highlights, including the normal revenue sharing model.
– For Investors,
Soraix will empower speculators to secure computerized parts of the organization as value tokens and exchange them for.

Technical Info

  • Token SRX
SRX tokens can be used to buy Equity tokens with a value of 1: 1 – allows traders to trade tokens with lower values ​​that make sense for one of the higher values.
  • Equity Token
The Equity Token can be seen as a digital version of the issuing company’s shares where each equity token is put into one issuing company stock.
  • Initial Investor Bonus
Initial Investor Bonus – By purchasing SRX Tokens for the first two weeks of our ICO, we will match your purchase with an additional 10% of the SRX Token value at no additional cost to you. The bonus will amount to 5%, for investors who buy our tokens during Weeks 3 & 4.

Mission

Our mission is to radically change the traditional stock market by tokenizing asset exchanges through blockchain technology. As such, we are determined to shift public perceptions about digital assets in a positive direction, resulting in broader adaptation and stability in the industry.

Stock Trading with Blockchain

The ETO special blockchain will be a new way to trade shares with unmatched security, performance and cost effectiveness for our investors.

Roadmap

Q1, 2019 – Market analysis. Initial concept.
Q2, 2019 – Company formation. Assembling the core team.
Q3, 2019 – ICO placement.
Q4, 2019 – Launch of the MVP version of the Soraix platform.
Q1, 2020 – Public API Deployment.
Q2, 2020 – Launch of social commerce & mobile applications.
Q3, 2020 – Implementation of a special ETO blockchain.

Tokenomic

Price – 0,00025 ETH
Total Supply – 1 000 000 000
General Sales Pool – 60% (600 000 000 SRX)
Soft Cap – $ 4 500 000 USD
Hard Cap – $ 24 000 000 USD

Token Allocation

60% – Token Sale
5% – Bounty & Airdrop
5% – Advisor
10% – Suggestions
20% – Team

Team

Janusz Żółtański
Andrzej Budzanowski
Grzegorz Łyskawa
Przemysław Michalak
Przemyslaw Hejduk
Krystian Adamczak
Hieu Nguyen

Founder

Lucas Komarnicki – CEO
Przemek Plazinski – CFO
Patrick Kubicki – CTO
Justin Fulcher
Angeline Mbogo
Damian Maslej
George Nyoro
Wojtek Stefanczyk
Michael Pluta
Gabriel Kaimakliotis
Bartosz Robaszewski
Author: Foto lama