AI Assistants to digitize transactions and business

Vaiot Logo

VAIOT combines Artificial Intelligence and Blockchain to develop a portfolio of business-oriented Intelligent Virtual Assistants serving both consumers and business as a new, digital channel for selling and delivering products and services as well as making transactions. VAIOT is a personal assistant available on mobile devices via a simple natural user interface (e.g., voice conversation) providing:

  • AI-based legal services such as intelligently creating custom contracts (both printable, traditional written contracts, and digital versions, securely stored on the Blockchain).
  • An intelligent, digital channel for B2C and C2C transactions between the users with incentive programs utilizing VAIOT’s Blockchain and VAI Tokens.
  • A novel, intelligent service distribution channel for businesses that empowers them to adapt to modern customers and business environment by providing new ways of accessing services.

Why invest in VAIOT


  • Regulated, audited, and transparent
    VAI Tokens are regulated as Virtual Financial Assets. Our company, the project, and the token offering itself were audited several times, verified and approved by Grant Thornton and Malta Financial Services Authority (MFSA) according to the Virtual Financial Assets Act. We have deliberately opted for a regulated environment to offer our investors the necessary security.
  • Real use cases for both
    businesses and consumers
    Our Intelligent Virtual Assistants will enable you to buy products and services such as insurance or conclude transactions backed by legal contract via a simple Natural User Interface. Anywhere, anytime. They will serve businesses as innovative service distribution channels and individuals as personal assistants for acquiring services, including legal services and contracts. We currently focus on the insurance and legal sectors. However, the applications are infinite.
  • Solutions developed with tech giants
    We combine AI & Blockchain to create innovative solutions allowing us to take what's best from both technologies. Our Proof of Concept was done jointly with our partner IBM, based on their battle-tested IBM Watson. It allowed our developers to move swiftly to further stages of the development process and accelerated our path to a market-ready solution.
  • Strong business plan
    We are a real company with real business models, offering solutions that answer real business and consumers' needs. We've spent many hours working with our partner Grant Thornton to design the models to introduce our products to various industries worldwide swiftly. You can find an outline of our detailed business plan in the Whitepaper.
  • Token utility
    We have designed the token economy to enable the token's natural flow within VAIOT solutions, which is visible in the Payback Program. We also aim to mitigate the risks associated with the price volatility with VAIOT's Value Assurance System.

    With VAIOT's token economy, the end-user doesn't need to know anything about the underlying technology or tokens to benefit from it while still positively influencing the network.
  • Strong team & partners
    We are the interdisciplinary team of individuals holding professional backgrounds in Blockchain, AI, Software Development, Cryptography, Project Management, Marketing, Sales, and more. Feel free to meet each of us on LinkedIn. We are already working with renowned companies such as IBM, Grant Thornton, and Reblonde. And the list is growing :)

The VAIOT Solution


Think of VAIOT as uniquely combining the skills and knowledge of a lawyer, a blockchain programmer, and a personal assistant. VAIOT utilizes multiple AI mechanisms, such as natural language processing, to create a new channel for delivering and accessing various services with vastly improved user experience.

Virtual AI Legal Assistant

Combining blockchain (and the concept of smart contracts), AI, and natural user interface, VAIOT will introduce its Virtual AI Legal Assistant to the market, focusing on law firms, businesses and individual consumers.

  • Effortless communication with technology via a natural user interface makes requesting and obtaining certain legal services, such as creating contracts, as easy as having a conversation.
  • Simply answer a few questions and your contract will be generated automatically, both in a traditional, written, ready-to-sign form, and as a digital contract, based on the blockchain.
  • No legal or technical knowledge is required.
  • VAIOT utilizes a vast database comprising the legal codes and best practices specific to each supported region.
  • Designed for both law professionals and everyday consumers.
AI-backed Digital Service Distribution Channel

As customers expect easier, quicker, and cheaper solutions as well as new digital channels for buying services and conducting instant transactions, VAIOT offers the Virtual AI Assistant to meet those expectations.

  • The personal assistant functionality with a natural user interface offers a new level of customer experience.
  • Users can easily purchase your products and services or communicate with you digitally through an automated service distribution channel.
  • The customer simply makes his request to the AI assistant and provides input data as requested – the technology takes care of the rest.
  • As an efficient and innovative channel for sales, marketing and customer service, the Virtual AI Assistant simplifies business processes and reduces costs for both enterprises and consumers.
  • Blockchain provides an additional level of security, protecting customer interests.

Targeted industries


VAIOT will become indispensable for multiple industries. Imagine your clients opening an intuitive application where the Virtual AI Assistant, capable of understanding both speech and the written word, suggests a suitable product or service based on the customer’s needs, quickly and effortlessly.

VAIOT will initially focus on:

Insur Tech

VAIOT will allow customers to buy a variety of services including, for example, car or travel insurance. Thanks to the AI Virtual Assistant, VAIOT will be able to support purchase decisions and sales processes, creating a brand new service distribution channel.

Legal Tech

The Virtual AI Legal Assistant will be offered to end users in two different models – B2B and B2C. In the B2B model, the product will be offered to businesses that wish to benefit from technological support in their daily legal processes. Whether it’s a law firm trying to cut costs and save the time of its employees, or a medium-sized company with a small, overloaded legal department, VAIOT’s AI Legal Assistant will provide support in generating legal contracts based on its extensive database. In the B2C model, VAIOT will offer legal services to individual customers, allowing them to save money on lawyers and vastly simplifying the process of preparing contracts.

VAIOT serves both businesses and consumers

  • General
    • High availability (24/7/365) and easy access to services and distribution channels as well as almost immediate contract generation.
    • Enhanced user experience due to the utilization of a personal assistant with a natural user interface.
    • Advanced security thanks to blockchain and cryptography.
    • New data-gathering tools for enterprises.
    • Greater speed and efficiency of both business and daily operations thanks to automatization and natural user interface.
  • Virtual AI Legal Assistant
    • Provides faster and more affordable legal services, instantly available to a wide customer base.
    • Creates quality contracts (both printable and ready-to-sign, as well as highly secure blockchain-based digital versions), replacing uncertain, risky contract templates and expensive, time-consuming legal services.
    • Automates basic legal processes, reducing costs, increasing efficiency and allowing legal professionals to focus on more advanced tasks.
    • Allows for gradual digitization of contracts on the blockchain, matching the pace of digital transformation in the legal sector and enhancing traditional, written contracts with additional security, transparency, and the introduction of execution rules.
  • AI-backed Digital Service Distribution Channel
    • A brand new, AI-based digital channel for marketing, sales, distribution and communication, enabling a whole new level of personalized customer service.
    • Reduced operational costs for businesses thanks to process improvement and automation.
    • The personal assistant supports the acquisition of goods and services tailored to the specific user, i.a. by suggesting best offers.
    • The recordation of transactions on the blockchain allows for non-repudiation, greater transparency, and increased security.

Intelligent Contracts

Technology overview


    VAIOT’s proprietary distributed network concept, where Artificial Intelligence and blockchain are inseparably linked. AI algorithms, settled on-chain and taking part in the consensus algorithm, are necessary for the Intelligent Contract creation process. Blockchain confirms that every network participant is certain about the decisions made by AI and ensures that it cannot be manipulated or influenced from outside of the network. Both technologies have multiple dependencies within VAIBC.

  • AI Virtual Assistant

    The AI Virtual Assistant is a personal tool representing the ideal, natural user interface for the creation of Intelligent Contracts and acquisition of various products and services within the new digital service distribution channel. It ensures seamless experience, allowing the user to communicate with the VAIOT platform in a natural way and obtain goods and services more efficiently and affordably, with full data support and transparency. The assistant brings all the background processes together, as the Intelligent Contract is created in both human readable (printable, ready-to-sign) and coded form.

  • IBM Watson

    IBM Watson is one of the most recognized business solutions, utilizing the latest innovations in machine learning to support automation and optimization of complex processes. Its powerful tools, together with VAIOT proprietary algorithms, form most components of the platform, such as the AI Virtual Assistant or the VAIOT Code Generation Engine.

  • Cosmos SDK

    The Cosmos SDK is an open-source framework for building blockchains in an application-specific manner, within which VAIOT leverages its own proprietary solution.
    Modular structure provides heavily tested and fully customizable components that firmly bootstrap VAIOT applications. Cosmos breaks the barriers between blockchains by allowing them to communicate with each other in a decentralized way. Its features include scalability, modularity (consensus, networking and application layers) and interoperability. Cosmos SDK utilizes the Tendermint consensus algorithm for securely and consistently replicating an application on machines, even if one third of all nodes are malicious.

  • VAIOT Code Generation Engine (VCGE)

    AI combined with the VAIOT Code Generation Engine (VCGE) allows for the automatic conversion of an abstract description into an executable program, based on blockchain. A user-friendly application will allow consumers to input only the core elements of the contract. The AI will then identify the basic contract patterns and convert them into a clean and standardized Intelligent Contract. Certain aspects of the contract are coded and whenever set conditions are met, the contract is executed and an irreversible entry is made in the blockchain ledger. The usage of AI models guarantees the highest level of security of Intelligent Contracts and excellent code performance.

Team of Professionals


  • With over three decades of experience in managing innovative projects and high-profile human resources, Christoph Surgowt offers a unique blend of leadership, vision, and knowledge as well as strategic thinking about innovative business worldwide. As the Co-founder, CEO and Director of VAIOT Limited, Christoph is responsible for running all facets of the business, supported by a proven executive management track record in driving sales growth in the IT and media industry. Before joining VAIOT, Christoph acted as the Chief Executive Officer for USECRYPT S.A. From mid-2015 until 2018, he was responsible for the entire operational management structure and all sales and marketing activities, with a particular focus on the development of a new generation IT encryption platforms called UseCrypt Safe and UseCrypt Messenger, aimed at both the B2B and government sectors. Previously, he served for fifteen years as the Managing Director of ASTRA Poland and subsequently ASTRA CEE, belonging to Luxembourgish SES – the world leader in satellite operations, operating the biggest satellite fleet worldwide. Christoph has also held executive leadership roles in many other international companies. After more than a decade at Polish Public Television, he decided to enter the private sector, joining the German company Kathrein KG – one of the first world leaders in satellite hardware manufacturing. Subsequently, he became Deputy Managing Director of the South African/Dutch Multichoice EE enterprise. Christoph was chiefly responsible for the marketing and distribution of FilmNet, the first Pay-TV channel in Europe.
    Christoph Surgowt
  • Professor Olivier Hance, Ph.D, MBA, TEP, Esq. is Attorney (Luxembourg, Paris & Brussels) and Partner at Hance Law. He specializes in Corporate Law, Financial Law (Private Equity & Funds) Corporate & International Taxation. Hance launched recently the "International Association of Non-Executive Directors". Hance also authors and teaches on International Practice of Business & Tax Law and Entrepreneurial Finance. Olivier Hance also sits in many boards of financial holdings and funds as a non-executive director. 
    Olivier Hance, Ph.D.
  • Researcher and R&D projects coordinator with a cybersecurity background. At VAIOT, leading and executing research and development activity as well as acting as a Product Owner. Previously an R&D Director and Co-Founder at Veriori (, a next-generation product authentication company utilizing Blockchain and Artificial Intelligence. Responsible for concept design and implementation of Veriori’s products and technology. Before, he acted as an R&D Director and Co-Founder at UseCrypt (, where he was responsible for technology development and implementation of UseCrypt products. In 2009, he developed an innovative encryption method with the use of encryption key sharing. This technology is the foundation of the solutions offered by UseCrypt. Since 2004, he has been involved in the development of eighteen IT (Poland, UK) projects, mainly in the private sector. Speaker at several IT conferences and organizer of two TEDx conferences. Awarded, among others, with a gold medal at the Concours Lépine 2019 International Innovation Fair 2019 in Paris and a gold medal of the Minister of Defense of the French Republic for cryptographically secured 2D codes.
    Pawel Stopczynski
    R&D Director
  • An early adopter of blockchain technology and digital assets investor since 2015. Specialist in blockchain technology and ICO industry. From the beginning of his professional career, he has been working on systems utilizing distributed registers for various business applications such as e.g. product and document authentication. He specializes in token economics modeling, product design, and management, trading strategies as well as the development of ICO marketing strategies. In the supported projects, he focused on the effective use of technology along with ensuring a high level of usability. Holding several years of experience in conducting IT training, including the creation of curricula and organization of training programs. Skilled in software development for industrial automation solutions. Before starting his professional career, he was awarded in few technical competitions, among others, by the J.P. Morgan foundation for inventiveness and innovation.
    Michal Szachno
    Lead Blockchain Expert
  • IT Project Manager & Operations Manager with Information Security, Audit & Compliance and Transition & Transformation (T&T) background. At VAIOT, responsible for the overall, operational project management, coordination across all functional areas and implementation of the project management framework and good practices. Previously, acted as a Project Management Director at Veriori S.A., where he was responsible for leading and managing IT & development projects (including international clients from France, Luxemburg, etc.). As a PM led international T&T, R&D, and audit/compliance projects for companies such as e.g. Atos or BNP Paribas and worked with e.g. Royal Mail Group, Aviva, Nomad Foods. Managed projects in the area of network infrastructure, information security, and systems development (over five million EUR) for institutional clients in the UK and Poland. Managed project teams 5-30 professionals. He previously managed Information Security & Audit structure delivering internal and external services, including the role of Internal/External Auditor and management of Infosec projects.
    Pawel Andruszkiewicz
  • Daniel Lenikus is an entrepreneur from Vienna, Austria, who is involved in the blockchain & crypto space since early 2017. Over the last few years, he has acquired comprehensive knowledge in the fields of digital currencies, tokenization, and go-to-market strategy. For two years he is the CEO of BlockExpo GmbH which specializes in conferences, community building and strategic consulting. This has resulted in projects such as the ANON Summit (the largest blockchain conference in the DACH region), Vienna Blockchain Week and Block&Wine (Austria's fastest-growing tech community).
    Daniel Lenikus
    Marketing Manager
  • IT systems architect, security expert, open-source enthusiast. Studied cryptology at the Military University of Technology in Warsaw. Worked with multiple blockchain technologies, including Bitcoin, Ethereum, Hyperledger Sawtooth, and lastly, Tendermint. Took part in numerous projects related to public service and blockchain as developer and architect. Big fan of cloud and container technologies.
    Jakub Kobeldys
    Lead Developer
  • During his studies in economic law in Vienna, Michael was deeply involved in developing various start-ups. Michael is a co-founder of BlockExpo GmbH. A Viennese company that supports the Blockchain ecosystem in Austria with conferences and strategic consulting. The flagship project of the company is the ANON Summit. An annual, two-day conference with over 1000 visitors from over 50 nations and a clear focus on blockchain use cases from different industries. Michael continues to be intensely involved in strategic consulting for companies and managers. As an interface between our marketing and sales department, he helps to optimize processes and drive growth through digitization tools.
    Michael Beches
    Growth Manager
  • An experienced professional responsible for operational activity management and a lawyer specializing in the field of corporate law, personal data protection law (GDPR), and new technology law. For the last two years she acted as a proxy and legal advisor to the management board in the joint-stock company Veriori ( Previously at UseCrypt S.A. (, she was responsible for supporting product development in regards to GDPR, GDPR training for clients, as well as legal services and partnerships. Since 2009, she runs her own business, providing legal services, training, management, and consulting services with a special focus on startups.
    Julita Skowronska
    Operations Manager
  • Experienced executive skilled in Business Development, Mergers & Acquisitions, Public and Corporate Relations. Worked as an expert with the EU Commission. For many years working, on both operational and strategic levels, in the area of PR and Communications Management for such companies as CGE, SES Satellites, or AdSatCom. Held the role of Vice-president for Corporate Communications at Bank Sarasin. Worked as a Director of Global PR at SES Networks. In recent years providing advisory services for businesses around Europe.
    Harald Melzer
  • Grant Blaisdell
  • Brian A. Margolis is a strategy consultant with a focus on start-ups in the media, healthcare, and emerging technologies. For over twenty-five years, he worked in business and corporate development for international firms such as News Corporation and Cisco. He began his career in mergers and acquisitions at Lazard Frères in New York and Morgan Grenfell in London. He is a B.A. graduate of Princeton University.
    Brian Margolis
  • Head of Advisory Board and former (2014-2018) CEO of NEUROHM, a global technology provider in the field of applied consumer neuroscience. NEUROHM develops and licenses throughout the world innovative methods, metrics and tools that are being applied in market research, sales, HR and CX. Prior to joining NEUROHM in 2013, Jacek spent 7 years in retail banking working for several institutions in Poland, first as financial markets and macroeconomic analyst, then as project leader and product manager. In 2007 he was appointed Director of Retail Products Department in Postal Bank and since then he has held managerial positions in retail banking as head of product and business process development units. He was also responsible for running sales department and managing the whole retail banking division of a medium-size bank. Jacek holds a MSc degree in Finance and Banking and a MSc degree in International Economic Relations, both from the Warsaw School of Economics.
    Jacek Pomorski
  • +14

    advisors and specialists in the area of cryptography, artificial intelligence, blockchain, business administration, law, marketing, graphical design, user experience, software development and more




VAIOT Roadmap


  • The idea of VAIOT is born

    A group of researchers and technology enthusiasts comes together to work on the technology of Intelligent Contracts and the VAIOT product concept.

  • Founding of VAIOT

    VAIOT is founded; technology development and the concept creation process accelerate. Development and business teams are formed.

  • VAIOT joins the world’s first integrated framework for ICO regulation

    The company is incorporated in Malta to become a part of the world’s first integrated framework for ICO regulation.

  • Launch of the first, private round of funding for the VAIOT Project

    The first round of funding successfully launches, to accelerate further development of the VAIOT Project. The initial investment round brings 1,500,000 EUR.

  • VAIOT and Maltese VFA Act

    Preparation of all the required documents for VAIOT to become one of the first companies to carry out an Initial Virtual Financial Assets Offering (IVFAO) falling under Maltese regulations.

  • VAIOT-IBM project launched

    VAIOT and IBM launch a development project to produce VAIOT’s MVP.

  • Private phase of the sale of VAI Tokens and VAIOT’s Whitepaper is registered with MFSA

    VFA status to be obtained and the private phase of the token sale to be completed.

  • VAIOT’s Initial VFA Offering launched

    Initial VFA Offering is launched once the Whitepaper is approved by MFSA.

  • VAIOT application MVP to be presented

    The initial phase of the VAIOT-IBM cooperation to be completed.

  • Extending the Intelligent Contracts database and working on the launch of the Virtual AI Sales Assistant

    Extending the list of agreements forming the database for the contract generation engine. Virtual AI Sales Assistant (VAIOT’s business line 1) prepared and ready for market launch.

  • Virtual AI Sales Assistant

    Business Line 1: tailor-made mobile app for companies seeking new, digital sales channels utilizing the Intelligent Contracts component. Crucial for the development of the AI Legal Assistant (data needed to improve algorithms).

  • Virtual AI Insurance Aggregator & Broker

    Business Line 2: a B2C mobile app allowing consumers to compare and buy insurance products from different insurers with the use of the voice interface and AI-based Intelligent Contracts developed by VAIOT. Crucial for the development of the AI Legal Assistant (data needed to improve algorithms).

  • Migration to the proprietary blockchain solution

    VAI Token migration from ETH standard to the native VAIOT blockchain based on Cosmos SDK.

  • Virtual AI Legal Assistant for Consumers (flagship application)

    Business Line 3: a B2C/C2C mobile app enabling consumers (incl. private entrepreneurs and micro/mini enterprises) to create Intelligent Contracts utilizing natural user interface, with advanced AI serving as a personal legal assistant for creating contracts and negotiating them in real-time between the parties involved; to be used for drafting other legal documents (e.g., testaments).

  • Intelligent Contracts Interoperability

    The development of AI mechanisms allowing to use other blockchain networks for data exchange, transmission, processing, and storage.

  • Single interface for blockchains

    VAIOT brings the concept of network interoperability to a single standardized format accessed via a natural user interface.

Powered by IBM WATSON


VAIOT utilizes IBM Watson components, taking advantage of the latest innovations in machine learning. Watson’s openness and flexibility allows us to use this technology in almost every area of the VAIOT project, from contract generation to the development of intelligent distribution channels.

We use and plan to use IBM Watson further for:

  • Conversion from speech to text
  • Conversion from text to speech
  • Analysis of voice tone
  • Understanding of natural language
  • Understanding of formal language
  • Classifying natural language
  • Guaranteeing security of transactions
  • Pattern recognition
  • Image recognition
  • Optical character recognition
  • Language translation
  • Ensuring the highest level of user experience

The VAI Token


The VAI Token is the digital currency of the VAIOT platform, set to incentivize the users to utilize VAIOT's solutions due to, e.g., Payback Program fueled by VAIs and is crucial for the proper functioning of the underlying VAIBC technology.

VAI Tokens are used as:

  • Payback Bonus after a purchase is completed by the user in one of VAIOT's solutions,
  • Payment method for goods and services offered via VAIOT solutions,
  • Rewards for nodes securing the network.
  • Collateral for the price-stabilizing system (VVAS),
  • Deposit in VAIOT's bonding system to access certain functionalities or use them on preferential terms,
  • Unit of account for transaction fees and Intelligent Contracts execution.

VAI Tokens will initially use the Ethereum token standard and eventually will be mirrored on a proprietary blockchain based on Cosmos. It will be possible thanks to the inter blockchain bridge solution connecting Ethereum and VAIOT's blockchain.

  • Token symbol
  • Total Number of Tokens
    400,000,000 VAI
  • Distribution
  • Use of Funds
Token Sale
Staking rewards
Marketing &
  • Distribution
  • Use of Funds