Intelligent Services Powered By The First VFAA-Regulated Digital Asset

VAIOT offers a portfolio of blockchain-based AI Assistants for businesses and consumers to provide automated services and transactions. Faster, easier, and affordable. Learn more about VAIOT.




Learn about VAIOT Use Cases

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AI Legal Assistant

Generating Intelligent Contracts (the concept of smart contracts) through AI-driven conversational flows, focusing on both contract analysis and automatic creation of ready-to-sign, traditional contracts, and their digital equivalents.

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AI Crypto Protection Broker & Aggregator

An AI-driven solution that uses our AI Assistant’s interface to aggregate products and services and distribute them to consumers through highly-personalized offers and recommendations.

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AI Merchant (Sales Assistant)

An AI Assistant as a new digital channel for intelligent shopping, buying services, and conducting instant transactions, providing consumers with easier, faster, and more affordable ways to access services offered by various businesses


VAIOT's Public Testnet & user testing campaign is live!

Broker for Blockchain - Copy

We are excited to announce that VAIOT’s Public Testnet will be officially launching 8th of April with an initial set of functionalities. Testnet-2 or the Public Testnet features the second stable release of the VAIOT chain and includes a governance module, infrastructure deployment tool, frontend application, a conversational AI lawyer, and fully functional VAIOT AI solutions.

This Public Testnet aims to trail run all functionalities envisioned for the VAIOT Cosmos-based chain. The current functionalities of the testnet are, firstly, a fully operational block explorer with a staking option.

We invite everyone to participate in the Testnet testing campaign and report bugs and new functionality ideas. Most active testers and contributors will be granted exciting rewards.

Read more using the links below! See you on the VAIOT Testnet!

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VAIOT Pillars

Invest in Advanced AI and Blockchain Solutions

pros-1 Regulated, audited, and transparent

VAIOT's AI Tokens are regulated as Virtual Financial Assets under Maltese law. According to the Virtual Financial Assets Act, our company, the project, and the token offering itself were audited several times, verified, and approved by Grant Thornton and the Malta Financial Services Authority (MFSA). We purposefully chose a regulated environment to provide our investors with the necessary security.

pros-2 Real AI use cases for both businesses and consumers

Using a simple Natural User Interface, our Intelligent Virtual Assistants will allow you to purchase products and services such as insurance or conclude transactions backed by VAIOT's Intelligent Contracts anywhere and at any time. Our Assistants will help businesses by acting as innovative service distribution channels and personal assistants for acquiring services such as legal services and contracts. Applications are unlimited, however, for now, VAIOT focuses on insurance and legal.

pros-3 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.

pros-4 VAIOT AI Assistant

VAIOT Intelligent Virtual Assistant developed based on our Proof of Concept with IBM is ready to deliver after several rounds of beta testing.

pros-5 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.

pros-6 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.


VAIOT Solutions

VAIOT's solutions offer a new, intelligent channel for service distribution and transactions by uniquely combining the skills and knowledge of a sales rep, an analyst, a lawyer, a 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.


Intelligent Contracts

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.

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 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.

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.

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.


Powered by IBM Watson

VAIOT's AI solutions leverage the most recent advances in machine learning by utilizing IBM Watson components. Due to Watson's flexibility and openness, VAIOT can use it in almost every aspect of our project, from contract generation to the development of intelligent distribution channels.

VAIOT-IBM joint Proof of Concept project explained


Token Allocation

AI Tokens hold the regulatory status of Virtual Financial Assets (the first-ever regulated project in Malta).

The VAI Token is the digital currency of the VAIOT platform, set to incentivize users to utilize VAIOT's solutions through systems like the Payback Program, which is fueled by VAIs and is crucial for the functionality 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. This is made possible thanks to the inter-blockchain bridge solution connecting Ethereum and VAIOT's blockchain.


Total Number of Tokens 400 000 000 VAI


The first VFAA-regulated Token Sale

IVFAO ? - Public sale of VAIOT's Virtual Financial Assets

Refundable Strong Holder Offering (rSHO) of VAI Tokens by DAO Maker

EUR 0.1

rSHO token price


rSHO date

EUR 250 000


EUR 78.7M 

on-chain wealth staked to get an allocation



Research Page



Grant Thornton Limited, acting as our VFA Agent accredited by Maltese authorities, provides continuous support and guidance to VAIOT enabling compliance with applicable rules set out by the VFA Act.

“It's always exciting to break new ground. VAIOT is pioneering one of the first IVFAOs, pushing forward a novel asset class to develop its virtual assistant product. We look forward to continue engaging with, assisting, and advising the industry, as well as influencing the debate over how these virtual assistants and digital financial assets will evolve going forward.”


Partner responsible for regulatory and compliance services at Grant Thornton


Partner responsible for regulatory and compliance services at Grant Thornton


Partners & Network



Supra Bazar, one of the leading retail companies in Belgium, was born over 55 years ago and grew into a retail store network with more than 220 employees. Supra Bazar opened its doors on October 24, 1964, under the name Stock Americain.


Team of Professionals

Christoph Surgowt


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.

Paweł Stopczyński

R&D Director

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.

Michal Szachno

Lead Blockchain Expert

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.

Pawel Andruszkiewicz


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.

Jakub Kobeldys

Lead Developer

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.

Julita Skowronska

Operations 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.

Agnieszka Ułasiuk

Project Coordinator

She began her career in the Talent Acquisition team at Nordea. Agnieszka holds a Bachelor's degree in Management from the University of Warsaw and is currently doing her Master’s in Germany. At VAIOT, she is supporting the project and operational management with a focus on product development process as well as regulatory and sale-related activities.

Gisele Schout

Marketing Manager

Gisele Schout is a marketing manager from the Netherlands, currently residing in Belgium. Gisele has worked for several blockchain startups as a content specialist and marketing expert throughout her career. Her specializations extend to public relations, digital marketing, and developing marketing funnels. At VAIOT, she is responsible for planning, executing, and analysing marketing activities and content according to the marketing strategy. She will also be optimising digital marketing channels in collaboration with the Marketing team.

Anthony Blackburn

Strategic Advisor

Anthony Blackburn is a marketing executive based out of Toronto, Canada. He has represented an array of large brands such as Pepsico, General Motors, Cadillac Fairview, Bacardi, and more. Anthony is responsible for the development of marketing strategy and branding, as well as coordinating and delegating the day-to-day marketing operations at VAIOT. His areas of expertise include experiential, digital, social media, and event marketing, specializing in detailed procurement of brand identity. He heavily contributed in the introduction of Bubly Sparkling Water to the Canadian market, as well as the re-branding of PepsiCo's diet cola alternative, Pepsi Zero Sugar. Anthony has a passion for project management and is always looking to incorporate elements of agile and other project management strategies into existing systems. Anthony aspires to apply his knowledge and experience to the crypto space, aiming to shape the way future crypto marketing is imagined.

Daniel Lenikus

Marketing Advisor

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).

Michael Beches

Growth Advisor

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.

Olivier Hance, Ph.D.

Legal Advisor

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.

Nikolay Shkilev, Ph.D.


Founder Private Business. Club Co-Founder and CEO of Rated Top 3 in People of Blockchain. Serial entrepreneur. The businessperson with 20 years of experience of owning different types of businesses, ranging from Ecommerce, FMCG, medicine and logistics to IT technologies. In parallel, he work as a mentor, advisor to help tens of projects worldwide. <br> - Self-Made Russia award <br> - Best mentor award <br> - Super TOP award (Business FM) <br> His Holding received "Enterprise of the Year" award.

William De'Ath


William is an accomplished and future-minded professional with extensive experience in business development across varied sectors and global markets. A passion for tech & scientific innovation is his driving force. A native "Londoner" he now bases himself in Switzerland and most recently, he has led sales-marketing-business-product development projects with cutting edge Artificial Intelligence ( |, Blockchain ( | ) and novel DNA test start-ups ( William brings 25 years of negotiation experience from senior positions developing enterprise partners such as SGS, Cargill, ExxonMobil, Trafigura, BASF, Dow and Ineos. He also led pioneering entrepreneurial moves as Founder of London based companies Auriga; Waterline and establishing a new European department for SSY New York.

Jacek Pomorski


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.


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

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