Apollo Fintech Advancing World-Changing Fintech Solutions — KuCoin AMA With Apollo

2021/09/20 15:48:47


  1. Apollo Currency has accomplished its goal to become the world’s fastest cryptocurrency with a sustainable blockchain as well as one of the most feature-rich. Apollo was built with the rigorous demands of genuine mass adoption in mind, and it has proven its capabilities through its proprietary mass adoption technologies. Apollo Fintech’s vision is to provide every mainstream feature on one sustainable platform.

Dear KuCoin Users,

Time: September 17, 2021, 10:00-11:19 (UTC)

KuCoin hosted another AMA (Ask-Me-Anything) session with Stephen McCullah, CEO of Apollo Fintech, in the KuCoin Exchange Group, who shared about their project’s latest updates and developments.

Project Introduction

Apollo Currency has accomplished its goal to become the world’s fastest cryptocurrency with a sustainable blockchain as well as one of the most feature-rich. Apollo was built with the rigorous demands of genuine mass adoption in mind, and it has proven its capabilities through its proprietary mass adoption technologies. Apollo Fintech’s vision is to provide every mainstream feature on one sustainable platform.

Official Website:

White Paper:

Follow Apollo on Twitter and Telegram.


Stephen “Steve” McCullah — CEO of Apollo Fintech

Stephen McCullah is the CEO of Apollo Fintech and has been for three years. He studied Business and Marketing at Drury University and MSU. Steve has been in business for about 10 years, having owned a technology company before Apollo Fintech called McCullah Technologies as well as a PR company, a military manufacturing company, and a number of other businesses in those sectors.

Q&A from KuCoin

Q: Since we last spoke to you at the previous KuCoin AMA session with Apollo, what developments has Apollo Fintech made?

Steve: We have actually made significant progress on a large number of things.

We have launched the first global lightning network, for BTC, that allows you to send BTC in 2 seconds using SMS, even if you don’t have data. We have also finished our voucher system allowing merchants to carry instant load vouchers for BTC and other cryptos. This allows anyone, even those without a smartphone or bank account, to buy and use BTC anywhere in the world. It’s accessible now on, but we are planning to launch it officially with the front-end site next week.

We have also started Knox World Wire sales, our bank-to-bank, international wire network. We currently have banks with a combined 4,000+ physical locations testing.

We have launched our Knox World Bank application on iOS and Android. This will be used to allow anyone to hold Apollo and spend with a Visa card and utilize a number of banking services.

In addition to the above developments, we have launched our own version of YouTube, called Clippit. Clippit has a focus on free speech and data privacy.

There have been other developments, like our Ark decentralized cloud official testing, but I better get to the other questions or this AMA could go into overtime. Lol

Q: What motivated you to start this project?

Steve: We started the project in 2017 with a focus on developing one blockchain that could meet the needs of most problems.

We have since become the first blockchain to launch database sharding, one of the fastest blockchains on the market and certainly the most feature-rich out there.

Now we are expanding into creating mass adoption use cases that can prove the technology. We have done so with the launch of a number of platforms bent on government technology, consumer peer-to-peer and remittance payments as well as a commercial bank-to-bank system.

Q: Most crypto investors mainly care about the prospect of crypto that they choose. Would you please tell me the reason why they should choose your token over other existing ones? What is APL’s main advantage that can convince others to change from their favorite token?

Steve: Love that one! This is where APL really shines!

It would take me much too long to go over all the reasons.

Here is a 2-pager that goes over that exact question. It will explain much more efficiently than I can:

Q: Most investors just focus on the price of a token in the short term instead of the real value of the project. Can you tell us the motivation and benefits for investors to the Apollo token long term?

Steve: One phrase, Mass adoption.

We built all of our commercial, consumer, and government platforms with Apollo Blockchain at their core. Apollo holders get fees for every transaction that happens.

With the implementation of just one of these, such as our CBDC solution, the Knox National Payment Platform, we could easily have more daily active users and certainly more transactions than even Bitcoin and Ethereum combined. I don’t have to explain what this would do to Apollo’s demand.

We built everything with Apollo at the center because we knew that just building a blockchain long-term is not enough, we needed to create adoption that would fuel indefinite demand.

Q: To what extent have the recent bear market had on the project development, and how have you been able to not only survive the previous bear market (the longest bear market) but continue building and developing?

Steve: The recent drop really had no effect on us; however, the 2018 drop, which lasted nearly two years, certainly did.

We had a choice to either just stick it out as we were and assume it’s not coming back, or go all in and pour millions into development to build those mass adoption use cases needed to make Apollo a top coin in the future.

We did the latter and went all in. I am certainly glad we did now!

Q: What’s your outlook on the future of cryptocurrencies?

Steve: I believe it will come down to one thing, adoption and use cases.

The cryptocurrencies that have demand from adoption will rise and the ones that don’t will fall.

Q: If you were to summarize your project in one word, what would it be?

Steve: All-in-one

Q: Is there anything exciting that Apollo has in the pipeline, and what is the development so far?

Steve: Right now, we are working on the deployment of our Ark cloud network, a decentralized file cloud that allows users to stake their hard drive space and make money. Unlike other decentralized solutions where data can be lost when users withdraw their hard drives from the system, on Ark, the data is broken into particles and stored across all systems, it’s then reassembled with the encryption key by the owner.

Among other things, we are also launching smart contracts and starting and continuing the sales of our most exciting commercial and government projects. So holders have many partnerships to look forward to in both banking and government.

One of the biggest things will be the launch of our Knox World Pay agent network, which will facilitate mass adoption of cryptocurrency by solving the largest barrier, accessibility.

Essentially, we are doing everything we can to make Apollo the ultimate mass adoption coin, and we have worked for three years on the platforms that we believe will do just that.

We have a better Central Bank Digital Currency Platform than Algorand, an eGovernment Platform that Cardano hasn’t even started on, an international wire transfer system that gives Ripplenet a run for their money and consumer use cases like Knox World Pay that no other project has.

We went all in to develop the top core blockchain use cases.

Free-Ask from KuCoin Community

Q: Who is Apollo Fintech’s competitor? What makes Apollo different? And is there any plan to partner with Cardano or Solana (if possible)?

Steve: Our top competitors are XRP and Cardano.

Cardano is focusing on trying to get government agreements. The core difference between us and Cardano is that we have actually spent almost 3 years perfecting a government platform that can be used to power most departments of government and can be customized to launch in as little as 30 days.

XRP is used in Ripplenet, their international bank-to-bank wire system. We have our own international wire system, which will pay out to APL holders. We have recently finished and started sales for, called Knox World Wire. This is much more flexible than Ripplenet and allows a bank to settle the same day in cash.

We have banks testing that have a combined 4,000 locations now.

Q: Where can I get the latest updates or more information about the project?

Steve: Our Twitter is the best way to keep up with what we are doing!

Main Apollo Fintech Twitter:

My Twitter:

Our website is

Q: Apollo is the fastest sustainable blockchain on the market. What are the reasons for this?

Steve: We designed Apollo blockchain with technologies to combat the issues of blockchain bloat that basically all blockchains were dealing with at the time.

We were the first blockchain to implement a technology called database sharding, this made the blockchain segment into shards so the database size wouldn’t be a factor when validating transactions.

After the implementation of this and technologies such as our Apollo updated and node synchronization, we got out blockchain speed down to sub-seconds to 2 seconds.

Q: I would like to know the security of the project? Have you done any audits?

Steve: We have had an incredibly extensive audit done by one of the most reputable German blockchain firms.

We received their highest security rating, and they validated that we were the first blockchain to implement database sharding. You can find the link to the audit on our Twitter, but I’ll post it here as well: Apollo Foundation Sharding Verification and Audit

Q: Do you have tutorial videos so we can get to know your project more clearly, or do you have a YouTube channel or something? Can you share it with us?

Steve: Here are the main videos for some of the Apollo products mentioned in the AMA:

Apollo Blockchain explainer:

Knox National Payment Platform (our CBDC platform) explained:

Knox World Pay Explainer:

Q: Can you briefly describe your partnership so far and upcoming partnerships?

Steve: We have partnered with some of the leading figures in the industry and many top companies pushing blockchain sales. One of those is Jorge Sebastiao, one of the leading blockchain security experts, a past CTO of Huawei, a regular speaker at most events.

As far as future partnerships, we just launched sales for our government platform and Knox World Wire, we have governments testing our National payment platform as well. We have many government and banking partnerships to announce ahead. Banking partnerships, in particular, will start coming in consistently.

Q: Do you have a token burning plan to increase token value and attract investors to invest?

Steve: We actually have an incredibly attractive investor token for Apollo that allows investors to gain significant interest for holding, and the mechanism also reduces the total supply substantially every week.

We will be announcing more about this, most likely next week. It’s called Knox, but it shares the same supply as APL but just has a different mechanism for transactions.

Giveaway Section

KuCoin and Apollo have prepared a total of 500,000 APL to give away to AMA participants.

1. Free-ask section: 25,000 APL

2. AMA activity: 475,000 APL

Activity 1 — Quiz: 300,000 APL

Activity 2 — Price Guess: 90,000 APL

Participation Rewards: 85,000 APL

. . .

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