Tkeycoin
The Platform The World Has Never Seen.
Join Whitelist
BTC $ 6,355.91 -0.06%
ETH $ 206 -1.03%
MARKET CAP $ 209 bln -0.6%
ICOs 4,747
Translate this page
0

LendsBay

ICO Ended
4,632 Views
The LendsBay system creates a new approach to loans between people, solving the problems such as: No formal loan records: disputes arise about repayment dates, terms and conditions; no reminders are sent; No contract: there is no mechanism for judicial enforcement of debt repayment; No market-based mechanism for determining interest rates: the market is either larger or smaller than its potential; No tools for risk management: no credit rating, diversification, insurance.
⠀ ⠀
We offer the following step-by-step solution to the above-mentioned problems: Creating an app to manage loans between relatives, friends and acquaintances: the app is used to find a lender and then to record, document and administer (e.g. send out reminders) the loan; Creating social groups (so-called bays) to pool financial resources through mutual lending, e.g. there are social groups centred around work, universities and social clubs that already have a certain level of trust, common values and a high degree of social control, not to mention little tolerance for irresponsible behaviour; Creating a blockchain to store individuals' credit-rating information (LBR); Using the blockchain for any financial transactions between individuals (non-credit assessment) (LBU); Developing the elements of an ecosystem for financial relations: mutual insurance; purchasing, selling or leasing items; and decision-making systems.

LendsBay team have already developed a functional and ready-to-use alpha version of the application.
8.8
TOTAL SCORE
9.6
ICO PROFILE

(weight: 35%)

10
SOCIAL ACTIVITY

(weight: 30%)

10
TEAM PROOF

(weight: 20%)

3
WEBSITE

(weight: 15%)

Get widget
General
Website: Visit
White paper: Read
Bounty: Bounty
Pre-sale Time: 18 June 2018 - 29 July 2018
ICO Time: 18 Sept 2018 - 29 Oct 2018
Country: Russia
Token info
Ticker: LBT
Platform: Ethereum
Token Type: ERC20
Available for sale: 75,000,000 LBT (75%)
Total supply: 100,000,000 LBT
Financial
ICO Price: 1 LBt = 0.0006 ETH
Accepting: ETH, BTC
Soft cap: 250,000 USD
Hard cap: 1,500,000 USD
Bonuses: Up to 50%

Alexa Rank

2016-2017
Createding a web prototype.

Market research.

UX testing.

Builtding a financial model.

Developed the server and user part of the application.
JUNE 2018
Conducting a pre-ICO.
JULY 2018
Release of the beta version of the app for Android/iOS.

Developing the legal component (loan agreements, lawsuits, debt collectors).

Establishing ratings and pricing mechanisms.
SEPTEMBER 2018
Carrying out an ICO.

Converting tokens, connecting to the app.

Adaptation for Telegram.

Connecting to a credit bureau.

Connecting to telecoms/online credit history providers.

Entry into the UK and US markets.
MARCH 2019
Creating social groups: Co-workers/University.

Linking to a payment system.

Implementing the social ratings system (proximity rating).

Implementing the behavioural ratings system.

Creating an API.

Entering developing markets.
SEPTEMBER 2019
Implementing the blockchain ratings system (LBR): distributed accounting and storage of ratings data.

Constructing a ratings model based on multiplicity of data.

Providing the suppliers of goods and services with secure access to the ratings system data to create their own ratings.

Granting financial organisations secure access to ratings data.
FEBRUARY 2020
Creating a universal rating for economic relations (LBU).

Creating various ecosystem elements.

Building a consolidated ecosystem of transparent relationships.
Screenshots taken 22 Jul 2018
Alexander Koptelov
Founder, CEO
Anton Gazizov
Founder, CFO/IR
Andrey Cheremkhin
Founder, COO
Lyudmila Lukashova
Founder, Risk
Vladimir Gorbunov
IT
Daria Batamirova
Marketing strategy
Kristina Shilova
SMM
Angelica Phillips
UK Market

Advisors (4)

Murat Yenikeyev
Risk adviser
Alexey Khaliullin
Advisor
Andrey Lukashevich
Advisor
Evgeny Kaplin
Advisor
HEIGHT - 0px
WIDTH - 0px
PUT THIS CODE TO YOUR WEBSITE
ICO List
Other Interesting ICOs
Pre-Sale
TrustED
An academic credential verification service leveraging blockchain technology, that brings honesty, legitimacy, and convenience to the human resources industry. What is TrustED? TrustED prevents academic fraud and allows instant peer to peer authentication of academic credentials. TrustED is an application which leverages blockchain technology to allow academic institutions such as universities or trade schools to store, authenticate and issue any form of academic credential or certificate digitally to its recipients. Through TrustED it’s impossible to fake academic credentials due to the nature of blockchain technology whilst also eliminating the current lengthy process associated with having to manually issue and verify the academic credentials of prospective individuals.
Upcoming
REPU
The REPU system (abbreviated from English – "reputation") is a revolutionary project that allows you to completely rethink the way social networks are perceived. REPU is a rating and feedback system based on decentralized blockchain technology. Technology allows you to completely replace the system of “likes” with the rating - both for users and for companies. The rating, subsequently, can be used as an assessment tool in various areas of the individual’s life - starting with professional skills, financial stability, and ending with all possible aspects of behavior and interaction with the public.
Active
Friend
The Friend Unifying Platform is a powerful open source framework that will allow developers to decouple their applications from technology silos. It will empower developers to swiftly deploy on and integrate with Ethereum and other decentralised technologies in a new blockchain based cloud infrastructure, the Friend Network - where participants share ownership over the infrastructure and get rewarded in tokens.
Active
World Bit Bank
Vitsolutions, LLC has been conducting technical development of the World Bit Bank project and researching innovative financial technologies and the blockchain technology since 2016. World Bit Group which manages the World Bit Bank was established in 2018. It was registered in the EU and holds the Virtual currency against fiat currency exchange license and the Virtual currency wallet service license. Being under European jurisdiction, all real and digital assets of investors will have the highest security. By covering a large portion of the globe, we will be able to provide millions of people with banking services using cryptocurrency in conventional banking operations. Such services include: cryptocurrency loans, use of cryptocurrency in VISA/MasterCard debit cards, easy and cheap transfer and exchange of cryptocurrencies and many more financial transactions we make every day.
Ended
Sharpay
The sharpay is the share and multi-share button for sites with blockchain-based rewards for content promotion for users. Multisharing is an opportunity to share the content in several networks in one click. Users receive rewards for the act of sharing or for the visits of other users via the shared links (depends on site settings). All that means the conversion growth for sites and comfortable sharing for users.
Ended
Spotcoin
Spotcoin is developing a complete digital asset management toolkit. One intuitive interface that will provide access to digital asset markets, over-the-counter trading (OTC), mining and payments. Spotpay allows for fast, cheap, convenient retail transactions using digital assets. Spotcoin supports new distributed ledger technologies by investing in promising startups and training the blockchain workforce of tomorrow through its innovative Blockchain Institute and Accelerator Program. The Spotcoin community will have access to the valuable insights gained through creating a smarter economy. Our weekly dividend distributions backed by reports from third-party auditors ensure transparency and accountability.