CAPVERTO Exchange is a digital currency, based on a versatile utility token that greatly extends the basic advantages of cryptocurrency through a design directly addressing the needs of populations most frequently excluded from banking. It delivers a multifaceted bank-like experience, centered on a prepaid card, that is as easy to use as logging onto a fast, well-designed website. At the same time, the pivotal CAPVERTO Token (CAP) at its core supports advanced features such as a cash back system, peer-to-peer (P2P) monetary exchange, a digital currency trading platform, and an innovative cryptocurrency insurance product. In the course of normal use, all of these features influence the underlying value of the CAP, distinguishing it a uniquely flexible amenity for the unbanked and underbanked.