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FREQUENTLY ASKED QUESTIONS

ABOUT e-Grains

e-Grains is a Registered Digital Assets Issuer for Agricultural Commodities.

Mission: e-Grains revolutionizes Agrocommodities by empowering farmers to monetize production, providing traders continuous global market access, and enabling importers to streamline processes, ensuring a seamless supply chain.

Vision: Democratize Agrocommodities investment, recognizing these essential assets as increasingly scarce. We aim to create a borderless and transparent ecosystem that connects stakeholders directly to the source, transforming tokenization and trading for a more accessible, sustainable future. 

We Buy, Store and Issue Digital Assets for Commodities like Soybeans, Coffee, Sugar and Corn by using blockchain technology, ensuring a transparent and accessible market.
e-Grains is registered as a Digital Asset Issuer with the National Digital Assets Commission of the Republic of El Salvador.
The National Digital Assets Commission of the Republic of El Salvador.

about $ESOY

$ESOY is the first Digital Asset 100% backed by Soybeans Futures Contracts and Warranties in the World. It is a regulated and certified asset. The $ESOY token is an innovative asset that offers the stability and rights of tangible commodities with the boundless opportunities offered by decentralized finance. Its backing by Physical and Futures Contracts for Soybeans ensures enduring stability and 100% collateralization. With 24/7 trading, arbitrage opportunities, diverse settlement options, and integration into DeFi, $ESOY offers investors unparalleled flexibility and strategic advantages to optimize yields and manage risk.

All e-Grains balance sheets are audited and certified quarterly by an independent auditor. The number of $ESOY issued can be checked via Blockchain Explorer.

e-Grains supply is measured in bushels of soy, meaning it doesn’t matter how volatile the soy market is, $ESOY is always collateralized.
There are no fees to buy $ESOY on Primary Market. For the Secondary Market, the Trading Fees will be applied, according to each Exchange Fees Table.
Holders of $ESOY Tokens have rights economic rights produced on the trade of 1 bushel of soy, electing one of the following options:

● Financial Settlement (“Window Crop”): Once a year, during the period designated as “Window Crop”,token holders who opt for financial settlement through Enor Securities’ primary trading platform, will be repurchased at the Sell Price (Window) referenced by $ESOY INDEX and adjusted according to the market value of the underlying asset, which in turn will be settled proportionately at the place of origin. This adjustment is called Base Crop % and can be a premium or a discount applied to the $ESOY INDEX. It is determined based on the Soy Liquidation Price in the regions where e-Grains has Physical Soy positions. It is impacted mainly by crop performance and logistics costs, and ranges from –8% to 8%. The Base Crop % will be informed by e-Grains along with the Start and End Dates of the Window Crop. Payment can be made in USD (US Dollars) or in digital assets, depending on the characteristics of the operation.

● Physical Settlement (“Window Crop”): Token holders who opt for physical settlement during the “Window Crop” must exchange their $ESOY Tokens through Enor Securities’ main trading platform in exchange for the commodities (soy bushels), they will be then entitled physical delivery of the equivalent soy bushels. The delivery costs of the commodities are not included in the $ESOY token as it must be agreed with the commercial/logistics operator.

● Rollover (“Position Renewal”): In addition to the above settlements, $ESOY Token holders may opt for position rollover, hereinafter referred to as rollover. This option involves the decision to hold the asset without liquidating the token. In this scenario, holders choose not to take any settlement action and e-Grains maintains the collateral of the asset, always maintaining 1:1 proportionality. The rollover will not be available for the last year of the term of the issuance.

● Anticipated Settlement via OTC (over the counter) market: This option provides token holders a continuous liquidity channel with Enor Securities OTC Desk. By trading via OTC, holders can buy and sell positions, even in non-window periods. It’s important to highlight that by liquidating positions in non-window periods, investors will be charged fixed costs (market liquidation costs) and interest rates applied to the $ESOY INDEX, according to the time-to-crop.

In addition, e-Grains, S.A. de C.V., might plan to issue other digital assets related to soy or other commodities; and could, under the authorization from the regulator, offer a new set of settlement options to owners. In the event of cancellation of the Issuer’s registration or delisting of the Tokens, token-holders will receive the amount corresponding to the price of the token for the day’s quote at the time of the Window-Crop. In this event a trusted third-party must administer the Issuance until the full liquidation of the $ESOY Tokens.

All Official Communications are available on e-Grains Investor Relations Page and may be broadcasted through e-Grains Social Media Channels.

This $ESOY token offering is backed by a rigorous process ensuring transparency, security, and accountability in the management of the funds raised through this offering. We are committed to ensuring that funds are used efficiently and in line with the objectives set for this initiative. When it comes to buying soybean futures, efficiency is our top prioDrity. Once the funds are available, we commit to making purchases daily or on the next immediate business day, always reporting this and leaving a record at the end of each day. The values obtained from the sale of the tokens are immediately allocated to ensure the execution of this transaction, thus ensuring an agile and responsible management of resources. This practice reinforces our commitment to providing an effective mechanism for the acquisition of the underlying assets.
No. All $ESOY Investors are directly exposed to the Global Prices of Soybeans Contracts and Physical Warranties. DISCLAIMER (All investment decisions must be made by you, the investor, based on your own assessment of your financial situation, investment goals, and risk tolerance).
Minimum Investment: 1 $ESOY. Maximum Investment: 7,600,000 $ESOY.
$ESOY is a unique financial instrument made for Producers, Tradings, Corporate and Retail Investors. By adopting $ESOY Index as the Reference Price for $ESOY, e-Grains aims to create arbitrage opportunities between $ESOY and other Soybean Contracts, adding deep Liquidity for $ESOY Secondary Market.

e-Grains does not charge any custody or administration fees.

$ESOY issuance

Smart contracts are simply programs stored on a blockchain that run when predetermined conditions are met. They typically are used to automate the execution of an agreement so that all participants can be immediately certain of the outcome, without any intermediary’s involvement or time loss. They can also automate a workflow, triggering the next action when conditions are met. Below are the links to smart contracts, depending on the blockchain on which they run: LINEA IdentityManager deployed to linea: 0x025db695640995c10626753aB9Fe7CC282F2A51A $ESOY deployed to linea: 0xb9AE6304706e78d1bb28daCc645499bcF55D6852 AVALANCHE IdentityManager deployed to avalanche: 0x025db695640995c10626753aB9Fe7CC282F2A51A $ESOY deployed to avalanche: 0xb9AE6304706e78d1bb28daCc645499bcF55D6852 POLYGON IdentityManager deployed to polygon: 0x025db695640995c10626753aB9Fe7CC282F2A51A $ESOY deployed to polygon: 0xb9AE6304706e78d1bb28daCc645499bcF55D6852

Digital Asset Service Providers (DASPs) must get a DASP license before starting operations. The providers subject to registration include the following activities:

digital asset custody,

buying or selling digital assets in a currency that is legal tender,

trading digital assets for other digital assets,

and operating a trading platform for digital assets.

Additionally, digital asset service providers must comply with relevant AML/CFT regulations.

Related to $ESOY, the roll of DASP will be fulfilled by IB Maker X Sociedad Anónima de Capital Variable, eNor Securities, Digital Asset Provider authorized by CNAD with registration number PASD 0014.

TR CAPITAL, S.A. de C.V., is a company authorized by the CNAD with registration number CERT003, is a Salvadoran corporation, incorporated on May 13, 2023, before the notarial offices of Mr. Alfredo Alejandro Muñoz Rodas. It is registered in the Companies Registry of the Commercial Registry at number 21 of Book 3736, with Registration number 2017088178, and Tax Identification Number 0614-130517-102-0.

The Certifier is responsible to conduct a complete project analysis and issue an Certification Report.

The Tokens are governed by and shall be construed in accordance with the Laws of El Salvador, and specifically the Digital Asset Issuance Law. The courts of the city of San Salvador, except for those matters that have been established with arbitral jurisdiction, shall have jurisdiction to resolve any dispute that may arise out of or in relation to the Tokens and, accordingly, any legal action or proceeding arising out of or relating to the Tokens may be brought in such courts. The Issuer irrevocably submits to the jurisdiction of such courts.

$ESOY PUBLIC OFFERING

Issuance of income rights digital assets.
Income rights digital assets.

$ESOY.

Bushels of soy.
1 $ESOY token represents the economic rights produced on the trade of 1 bushel of soy.
$ESOY tokens is traded in USD.

The $ESOY Token is quoted and negotiated against the $ESOY Index to calculate the Index, the average price of physical soybeans is considered, as well as the prices of soybean futures contracts for May of the closest harvest. The $ESOY Index is quoted exactly between the price of soybean futures and the price of physical soybeans given to the Investors and e-Grains soy supply price stability against external price impact.

$ESOY INDEX = (50% * CBT) + (50% * MEDSOY)

CBT = CBOT (MAY) * UNIT CONVERSION FACTOR

MEDSOY = PHYSICAL SOYBEAN PRICE / COUNTRY ADJUSTMENT FACTOR

This formula will apply if the soy is held in one region. If the soy is held in more than one region, the formula will be expanded as follows:

MEDSOY (n) = { (PHYSICAL SOYBEAN PRICE (1) / COUNTRY ADJUSTMENT FACTOR (1)) + … (PHYSICAL SOYBEAN PRICE (n) / COUNTRY ADJUSTMENT FACTOR (n))} / n

where “n” is the number of regions the soybenas are produced / located.

The $ESOY INDEX is calculated daily and publicly available on both e-Grains and Enor securities websites.

The buy price for $ESOY on Primary Offering (2024) is the $ESOY Index.
Upon approval of the Offer by CNAD, the Issuer will make the Final Relevant Information Document available on its Enorsecurities.com website and on the Issuer’s website at e-grains.com. The Issuer will then disclose the Announcement of the Commencement of the Offering and make available the purchase of the assets on the primary market. Primary Market: The Primary Offering of the Asset will be carried out on the Platform of the company IB MAKER X, S.A. de C.V., which will operate commercially as Enor Securities, registered with CNAD as a Digital Asset Service Provider (DASP) through its operating model (OTC) in accordance with the Issuance and Supply Flows. Secondary Market: Continued trading of the $ESOY after the initial issuance will take place primarily on the order book on the Enor Securities Platform, $ESOY/USD, as well as on recognized and regulated exchanges and trading platforms authorized by the CNAD, offering investors a highly agile environment for trading the Token. Price determination in the Secondary Market will take place in the Free Float model, according to Supply and Demand. The $ESOY INDEX will be visible on the Enor Securities and e-Grains websites to all secondary investors as a market value benchmark. Trading on the secondary market provides remarkable liquidity to investors, allowing them unprecedented freedom to actively participate in the market, either by increasing or decreasing their positions according to their investment strategies. The reference value of the asset (not to be confused with the trading price) will be the $ESOY INDEX. To calculate the INDEX, the average price of physical soybeans is considered, as well as the prices of Soybean Futures Contracts for May of the closest harvest. The $ESOY INDEX is quoted exactly between the price of Soybean Futures and Physical Soybean Contracts, giving Investors and e-Grains soy supply and price stability against external price impact.

$ESOY SETTLEMENT

Once a year, during the period designated as “Window Crop”, $ESOY holders who opt for financial settlement through Enor Securities’ primary trading platform, will be repurchased at the Sell Price (Window) referenced by $ESOY Index and adjusted according to the market value of the underlying asset, which in turn will be settled proportionately at the place of origin. This adjustment is called Base Crop % and can be a premium or a discount applied to the $ESOY INDEX. It is determined based on the Soy Liquidation Price in the regions where e-Grains has Physical Soy positions. It is impacted mainly by crop performance and logistics costs, and ranges from –8% to 8%. The Base Crop % will be informed by e-Grains along with the Start and End Dates of the Window Crop. Payment can be made in USD (US Dollars) or in digital assets, depending on the characteristics of the operation.

The sell price at the Window Crop is calculated according to the formula below and will be modified daily.

SELL PRICE = ESOY INDEX x (1 + BASE CROP %)

The OTC Sell Price is calculated according to the formula below and will be modified daily. Please note that this Sell price formula only applies to OTC Liquidation.

OTC SELL PRICE = ESOY INDEX x (1 – FIXED COSTS % – (INTEREST x TIME))

Tokens are issued for a period of 60 months (When that time is reached, a final settlement will be made, and the tokens will be burned).

RISKS

The Issuer faces several risk factors that could affect its business, results of operations and financial condition. It is critical to understand these risks to make informed decisions when investing in or interacting with the Issuer. The risks associated can be divided into two sections: risks related to the issuer and risks related to the supply of tokens. MAIN RISK FACTORS RELATED TO THE ISSUER: ● Mergers and Expected Synergies: The Issuer may in the future carry out mergers of companies or assets as part of its strategy. However, there is no guarantee that the expected synergies will materialize as planned. Mergers can face challenges in integrating operations, reducing costs and achieving synergistic benefits, affecting the Issuer’s financial results. Management response: This risk will be mitigated with rigorous due diligence prior to any merger, implementing robust integration plans, and closely monitoring post-merger progress to ensure synergies are realized. Prior to mergers, the Issuer will conduct a thorough evaluation; and will develop clear strategies to overcome challenges and closely monitor operations to ensure business synergies. ● Material Operational Risks: The Issuer’s operations are subject to operational risks that may result in temporary interruptions or interruptions of services. Equipment failures, system outages, natural disasters, cyberattacks, among other factors, can negatively impact your business, reputation, and financial results. Management response: To mitigate these risks, strict cybersecurity protocols will be implemented, regular staff training will be conducted, operations centers will be diversified, and robust disaster recovery plans will be maintained. Implement strong measures against digital threats and train employees to handle emergencies. The Issuer operates to reduce the impact of outages. The Issuer will only work with distribution partners that provide a premium SLA with 99.9% uptime and penalties if they do not fulfill this requirement. ● Changes in legislation: Changes in tax legislation may adversely affect the Issuer’s business and financial results. Management response: This risk will be mitigated by keeping a dedicated legal and tax team under contract to closely monitor regulatory changes and adjust their practices and strategies as needed to comply with applicable legislation. The Issuer maintains a Specialized Legal and Tax team and closely follows regulatory changes and adjust strategies. Adjust practices according to current legislation. ● Judicial and Administrative Proceedings: The Issuer may be involved in judicial, administrative, or arbitral proceedings that, if unfavorable, may adversely affect the Issuer. In addition, actions involving controlling managers or shareholders can affect your image and operations. Management response: This risk will be mitigated by maintaining an experienced legal team, adhering to corporate governance best practices, and taking preventative measures to avoid litigation whenever possible. The Issuer has professionals to face legal proceedings. Maintain good Corporate Governance and follow sound practices to prevent controversies. Avoid litigation and maintain legal compliance. ● Risk of bankruptcy of the issuer: If the issuer goes bankrupt or fails to comply with its obligations to investors, the respective bankruptcy process regulated in the Commercial Procedures Law must continue, as well as the corresponding dissolution and liquidation of the issuing company. Management Response: The issuer mitigates the risk by conducting thorough financial planning and implementing efficient and transparent investment management procedures with quarterly audits provided to the investor’s relation department. ● Risk of Money Laundering, Asset Laundering, Terrorist Financing and Proliferation Financing of Weapons of Mass Destruction: Cryptocurrencies without AML prevention procedures are commonly used by criminals for money laundering activities. Management response: The issuer mitigates the risks through the relevant policies, processes and procedures. For proper identification of the client and its final beneficiary; always requesting the necessary supporting documentation according to the risk identified for each of them. In addition, the risk of fraud is covered by the PLDAFTFPADM. MAIN RISKS RELATED TO THE SUPPLY OF TOKENS: ● Agricultural market risk: Fluctuations in soybean prices can affect the value of tokens, resulting in losses for investors. Agricultural commodity market volatility can be significant and unpredictable, leading to abrupt swings in prices. Management response: The Issuer carries out a thorough assessment of the risks, especially those associated with the agricultural market. The Issuer will diversify its offerings of agro commodities to mitigate this risk. ● Regulatory risk: The offer is subject to complex and ever-changing regulations, which may affect the viability and legality of the project. Different regulations in various jurisdictions can increase the complexity and costs of supply. Management response: Collaborating with legal advisors specializing in cryptocurrencies and complying with all relevant regulations is essential to ensure compliance and continuity of the project. The Issuer has implemented regulatory risk management practices to track, monitor, and analyze market changes and assess their potential impact on the business and update business policies accordingly to ensure compliance with the standards and regulations. ● Liquidity risk: Liquidity can be limited, making it difficult to buy or sell large amounts without significantly impacting prices. Investors should consider diversifying their investment into different crypto assets and using long-term investment strategies to reduce reliance on immediate liquidity. Management response: The Issuer considers long-term investment strategies and asset diversification to reduce reliance on immediate liquidity. ● Technology risk: Security vulnerabilities, network failures, or technical issues can lead to loss of tokens or improper access to investor information. Using secure wallets and maintaining strong cybersecurity practices, such as using two-factor authentication, is essential to protecting assets. Additionally, the smart contract has not been audited, which can lead to security and operational breaches and vulnerabilities. Management response: The Issuer implements robust security measures to protect assets from technological risks, including network vulnerabilities and failures. Once the issuance is determined, the risk is transferred to the distributor that is chosen based on requirements like having ISO 27001, and SOC II type I & II compliance and premium SLAs. ● Smart-contract vulnerability risk: Smart-contracts used for the issuance have not been audited, which can lead to security and operational breaches and vulnerabilities. Management response: The Issuer has selected the leading smart contract audit firm, Consensys and it is scheduled for the end of January 2024. Smart Contract Certificates will be publicly provided once finalized by Consensys Diligence. Additional mitigation factors: As part of the certifier report they have provided a thorough review of the smart contract, and the results can be found in Annex III. ● Counterparty risk: Depending on the structure of the offering, the issuer and the investors may rely on third parties to fulfill contractual obligations, which can be risky if these parties fail to meet their responsibilities. Management response: Conduct a thorough counterparty risk analysis and ensure that the parties involved have a strong track record and are trustworthy. As usual contractual obligations force majeure and act of God may affect the execution of the contract and third parties can fail to comply with its obligations without responsibility. ● Soybean supply risk: Supply is tied to access to the actual product. Disruptions in soybean supply (for weather, logistical or other reasons) can adversely affect the project. Management response: To mitigate these risks, the issuer will maintain effective supply chain management and diversify sources of raw materials that can reduce this risk. ● Risk of market manipulation: As the crypto market may still be less regulated and transparent than traditional financial markets, there is a risk of price manipulation by malicious parties. Participating in trusted markets and using regulated exchanges can help mitigate this risk. Management response: The issuer implements policies of insider information to protect against any insider information use and prevent market manipulation. ● Risk of private key loss: Investors may lose access to their tokens if they lose or compromise their private keys. This can lead to permanent loss of assets. Management response: Storing private keys securely and implementing the use of cold storage with MPC based solutions are measures taken to reduce this risk and enable secure custody. ● Environmental and climate risk: Extreme weather events, such as droughts or floods, can affect soybean production, affecting the value of tokens. Management response: This risk can be reduced with implementations of environmental risk mitigation measures and closely monitoring weather conditions can help reduce this risk. ● Risk of Money Laundering, Asset Laundering, Terrorist Financing and Proliferation Financing of Weapons of Mass Destruction: Cryptocurrencies without AML prevention procedures are commonly used by criminals for money laundering activities. Management response: The issuer mitigates the risks through the relevant policies, processes and procedures. For proper identification of the client and its final beneficiary; always requesting the necessary supporting documentation according to the risk identified for each of them. ● Other factors: The spread of communicable diseases on a global scale, such as the coronavirus (COVID-19) pandemic, may result in increased volatility in crypto markets and negatively affect the global economy, including the crypto-asset economy, affecting the $ESOY Token trading market.
To protect investors’ assets and ensure the safety and integrity of this offering, the Issuer has instituted several asset safeguard mechanisms. ● Secure Custody: Storage and proper contractual management of collateral assets (contract for the commercialization of present or future availability of soybeans) in a safe and reliable custody, protected and insured against theft, damage or loss. ● Regular audit: Conducting independent and periodic audits of collateral assets, ensuring that the quantity and quality of soybeans traded match the tokens issued. ● Smart Contracts: Implementation of smart contracts that automate and verify token-related transactions, reducing the risk of fraud and human error. ● Full transparency: Provide clear and transparent information about collateral assets, offering structure, and token terms to investors and the public. ● Emergency Reserves: The Issuer will maintain a reserve of additional assets to deal with possible unforeseen events that may affect supply. ● Regulatory compliance: The issuer guarantees that the offering complies with industry regulations, minimizing the risk of legal action or penalties. ● Real-time monitoring: Implementation of real-time monitoring systems. ● Protection Against Cyber Attacks: The Broadcaster has the highest cybersecurity standard to protect systems from hacker attacks and tampering attempts. ● Dispute Resolution: The issuer has an effective dispute resolution process, allowing investors to report issues and seek solutions. ● Risk Disclosure: The issuer provides detailed information about the risks associated with the offering and collateral assets, helping investors make informed decisions. ● Independent valuation: The issuer conducts independent valuations of the backed assets to ensure that their value is properly reflected in the tokens.

You will be now redirected to eNor Securities Platform, the Official Exchange for e-Grains’ Assets