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Global Blockchain-Backed Loans Marketplace


Finished: 7 months 2 weeks ago

Start Date

9th of April 2018

End Date

4th of June 2018

Country: Lithuania

  • USA
  • Singapore
  • South Korea
  • China
  • Hong Kong
Ticker/Symbol WTL
Price 1 WTL = 0.001 ETH
TokenType ERC20
Platform Ethereum
Hardcap   0,00
Softcap   0,00
Raised 0,00
ICO Score


P2P lending is a market that is currently experiencing explosive growth. The global
market volume reached $114 billion in 2017, with no sign of slowing down.
However, this expansive growth has presented three major problems:
Difculties in diversifying and managing investments.
Issues with transparency and reputation.
Problems with the mobility of cryptocurrency and assets across borders.
We propose three solutions to them:
Cross platform loan aggregator with ratings and blockchain.
Welltrado P2P fund for global and cross-border investors.
Portfolio management of loans across platforms in a single dashboard.
Welltrado is already an experienced player in the P2P platform market, with an early version P2P platform aggregator already up and running. Through our business and experience, we have identified these problems as some of the biggest obstacles facing the P2P market.
That is why Welltrado aims to develop three distinct tools for investors, which are designed solve these issues and help P2P investments grow significantly. The following white paper details the Welltrado project and its products, provides a market overview, in-depth description of market problems and solutions, as well as the associated Welltrado ICO and token system.


Tomas Medeckis

CEO, Co-founder

Kim Nielsen

CDO, Co-founder

Zygimantas Stancelis

CTO, Co-founder

Arturas Svirskis

CBDO, Co-founder

Povilas Urbonas

BDO, Co-founder

Aiste Paliukaite

Business development manager

Andrius Petkevicius

Blockchain developer


Wolfgang Richter

Executive partner at DWF law firm

Tomas Martunas

Managing Partner GoldfishFund

Xiaochen Zhang

CEO Blockchain Frontier Group President, Fint

Ignas Mangevicius

Blockchain-Based Systems Developer, edgeless.

Darius Barusauskas

A credit risk scoring expert

Mike Boris

Managing partner at GB&Partners

Cristobal Alonso

CEO at Startup Wise Guys, the leading B2B acc

Edward W. Mandel

Blockchain advisor

Phillip Mcfall

Bloomberg L.P. Financial Sales and Analytics

Sally Eaves

Global Strategy Advisor - FinTech Blockchain


December, 2016 Built a fully working MVP and integrated first 10 P2P lending platforms.
March, 2017 30 P2P lending platforms integrated and 300 investors referred through Welltrado.
September, 2017 50000 unique visitors at Welltrado. P2P loan aggregation mechanism initiated.
November, 2017 100 P2P lending platforms prepared for integration to Welltrado. Ready for token distribution.
December, 2017 Legal structure developed for institutional investors to get access to P2P market through Welltrado.
March, 2018 Distribution of Welltrado Platform Tokens.
May, 2018 Application for fund management license in Europe.
October, 2018 Receive the fund managing license.
December, 2018 Version 2.0 of Welltrado loan portfolio management platform for retail investors unveiled.
January, 2019 Token distribution of the first fund: Low yield fixed fiat income.
February, 2019 Version 3.0 of Welltrado loan portfolio management platform for institutional investors unveiled.

Medium News

2018-10-04 10:09:25


Grupeer is happy to introduce their new website! Grupeer is growing and improving and this is the result of their work for the past months. Grupeer are continuously having conversation with their clients and listening to feedback. The website is first step towards upgrade. Grupeer refined their website by making it clearer and added good looks. Grupeer are working on further demands from their clients, soon they will add statistics, information about loan originators, investor’s cabinet, new product “Grupeer Stability Fund” and will improve functionality of Auto-Invest.

Try it here and earn up to 14% annual returns!

2018-10-04 10:06:20


We’ve created many pieces lately on the topic of P2P as a whole. Here is possibly the best description of the economy as such, and we wanted to share it with you before we dig deeper into how P2P business actually works. It comes from Investopedia and is framed as follows:

“A peer-to-peer (P2P) economy is a decentralized model whereby two individuals interact to buy or sell goods and services directly with each other, without an intermediary third-party, or without the use of a company of business. The buyer and the seller transact directly with each other.”

So why mention this? The description explains the need for businesses to evolve and adapt their business model and strategy to be able to compete with this new economy, and to consider the consumer as well as business needs that arise from it. Its fair to say that this definition mostly describes the direction P2P platforms in UK has decided to go, as platforms present in continental Europe mostly lists pre-funded loans rather than directly connects borrowers with investors.

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Consider the way that Facebook, for example, started by realizing the social needs of people and providing a platform in which to meet those social needs by bringing millions of people all over the world together and giving them a platform or “means” in which to connect, keep in touch, and share moments, experiences, and memories with each other.

Small businesses also felt that there was a need to erase the gap between providing a service and building their brands and attracting more customers, and they naturally moved into commerce by allowing people to advertise their businesses, giving them a means via analytics and algorithms to advertise to very specific markets and demographics.

Ultimately the aim of the game is bridging the gap between a party with a certain need (in this case people who need money i.e. P2P borrowing) and people who can provide for that need (in this case P2P lending and investing). In terms of P2P lending both private individuals and consumer lenders may use P2P platforms to collect additional funding.

Now, in order for businesses to stay relevant, they’ve had to adjust their strategies based on this description. But as mentioned, it also gave new entrepreneurs and companies like VIAINVEST the opportunity to provide a platform that can bring the client and the provider together in a safe environment.

Let’s take a look at the average P2P business model as well as that of VIAINVEST so we can put things into a tangible perspective.

P2P Business Model: The Initial Case of Platforms in the UK explains this business model best with their examples of Lyft and Uber:

“The peer-to-peer business model works on the premise of playing matchmaker between individuals with a service to offer and others who could use that service. Your company can provide the platform, rules and regulations, and payment/remuneration methods to facilitate this type of community-based business. We look specifically at Lyft, a company that helps individuals who need a ride match up with people who have a car and want to earn a few bucks by giving them rides.”

As they put it, it’s a game of matchmaking between consumer and service or product provider.

Now having said that, you can be sure that these “matchmakers” will most certainly take their share of the pie.

Some of these companies may even take up to 20 percent of the transaction value before any profit is even made by the service provider because they have sole control over payment structure and price negotiation.

What Makes the VIAINVEST Business Model Different?

Unlike the traditional P2P model where individual requests are funded directly from investors without any intermediary involvement as consumer lender, VIAINVEST steps in to bridge that gap. But we make it financially worth your while.

VIAINVEST operates under the parent company VIA SMS Group, founded in Latvia in 2009. (Check out the write up from P2P Hero , which explains a bit more on how the company evolved and is put together as a whole.)

With VIAINVEST there is no fancy mumbo-jumbo or creative business jargon; the philosophy is very simply put as being; “An intermediary platform connecting borrowers with investors by offering safe and transparent investment opportunities. No service fees or hidden costs are charged for using this platform.”

But we also carry the risk for you in a sense. If you borrowed directly from a lender/person you didn’t know, you run the risk of being scammed, transactions being unsecure, or even fraudulent.

VIAINVEST ensures safe and secure transactions that are cost effective in terms of repayments, and provides a certain quality of standards you may not necessarily get when you go at it yourself.

Quite simply put, our model is to be the middleman that bring borrowers and investors together to complete a seamless transaction without the cost of a middleman.

VIAINVEST lists loans originated and pre-funded by VIA SMS Group to help to finance lending business adding even more security to your deals. It’s a fast-growing company that has originated millions of loans over the last few years, offers safe and reliable investments, and has thus become a leading P2P platform today that has great worth.

Start investing and get special investment offer here!

2018-09-21 10:38:24


he vibrant fintech scene in Singapore for the past 2 to 3 years has been growing, with much credit due to the Singapore government. Singapore is making a determined effort to maintain and entrench its status as one of the world’s leading global financial center.

The relevant authorities such as MAS (Monetary Authority of Singapore) has widely been acknowledged as forward looking with regards to supporting the growth of the fintech industry in Singapore.

Start investing and get special investment offer here!

The financial industry contributes 12.5% of Singapore’s GDP as of 2015 and is considered one of the key pillars of Singapore economy.

Sector Singapore GDP contribution

The disruption of traditional industries is in full swing globally and the financial industry with decades old large banks and financial institutions is ripe for massive disruption as most players in fintech today would believe.

The most notable sub segment of fintech in terms of media coverage and exposure would be P2P crowdfunding. Some of the early pioneer crowdfunding platforms includes Moolahsense and Funding Societies.

What is P2P lending? It is basically a form of crowdfunding where a group of retail investors can pool their individual funds and lend it to companies for working capital. It can complement traditional banks’ business loan in Singapore as an alternative financing options for SMEs.

Some of the other popular sub segments of the fintech space includes payments and remittances, blockchain technology, and automated investment technology. Here’s a list of the top 30 fintech startups locally:

In this article, we’ll touch more on P2P crowdfunding. In P2P lending, there will be usually a crowdfunding platform which will consolidate their investors’ funds and facilitate the loan origination. These platforms will list potential companies and SMEs as borrowers on their platform. Investors get to view these borrower’s basic financial profile and key statistics while deciding whether to invest in the listing.

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The basic premise of crowdfunding lies in disruption of lending which was traditionally carried out by the banks. On a very simple illustration, our local banks pays interest of less than 1% p.a for fixed deposits. However, banks’ business loan interest to SMEs can be as high as 11% p.a.

In an over-simplified context, the core business of banks are utilizing deposits from savers and lending them to companies or other individuals, with a high markup on interest which represents the bank’s net interest margin.

Most crowdfunding platforms aim to disrupt this traditional lending conduit by establishing a platform marketplace where borrowers and lenders can come together to facilitate borrowing/lending bypassing the high margin markup of the market intermediaries, the banks.

All parties are supposed to benefit in this arrangement with investors getting higher returns, borrowers securing loans which might otherwise be rejected from banks and the platform receiving a slice of the loan origination fees.

Some crowdfunding investors have reportedly managed to hit a return of 12% p.a. for 2016, which is a very attractive rate of return in today’s low yield market.

All this looks good on paper but will P2P lending take off in Singapore as a legitimate and viable investment asset class? Should the banks be concerned about crowdfunding disrupting their dominance in the SME lending segment?

It’s a mixed bag of reviews for the nascent P2P lending industry in Singapore currently. Globally, P2P lending remains dominated by US and UK, whom were the first to kick off P2P crowdfunding on a large scale. China played catch up in this domain but is now a viable contender itself with over 332 platforms operating within as of 2016. Chinese crowdfunding platforms has also attracted millions of VC capital in the last few years.

Lending Club, one of the leading and earliest pioneer in P2P lending in the US originated loans of $8.4 billion in 2015. It is also a listed company with a $9 billion valuation. Without a doubt, Lending Club is a successful case study of P2P crowdfunding platform that exited successfully via IPO.

However, it’s not possible for Singapore’s current crowdfunding platforms to emulate the success of Lending Club and other similar platforms as Lending Club’s borrowers are predominately individuals. Singapore has regulations in place and P2P lending from individuals to other individuals will most likely fall under the purview of the Money Lender’s Act. Singapore also does not have a large enough market size to scale easily within the domestic scene.

Most crowdfunding platforms operating in Singapore now are facilitating SME loans to small businesses. Credit risk is higher as most of these SME borrowers might not be eligible for credit from mainstream banks.

There are inherent platform risks as well with previous cases of suspected fraud and scams by entities that fronted themselves as crowdfunding platforms promising investors of high returns. Some of the loans defaulted with fraud suspected and the police were alerted.

For the slightly more established platforms, news of the first potential loan default also made the rounds in mainstream media. It is a guaranteed in the lending business that there will eventually be defaults in loans. Even mainstream banks set aside accounting provision for non-performing loans. However, as P2P lending is a relatively new concept here, the potential default did raise some eyebrows locally.

MAS will probably have the Lehman Brothers mini-bonds crisis of 2007/8 in the back of their mind while pondering specifics to regulate the industry.

One of the biggest crowdfunding fraud took place in China. Ezubao, a platform that was found subsequently to be operating a Ponzi scheme collected over $7.6 billion from investors. Authorities found out after investigations that almost all investment products listed in the platform were not genuine.

Local regulator MAS has also moved to regulate the industry. In June 2016, MAS announced measures to improve access to P2P for investors as well as borrowers. Crowdfunding platforms are required to have an CMS (Capital Markets Services) license to operate.

The move by MAS is not inferred as a restrictive one for the industry but instead serves to better protect retail investors and to lay out a comprehensive regulatory environment for all stakeholders involved.

In fact, the MAS has been open to fintech in Singapore and seeks to be an enabler without excessive stifling of innovative cutting edge ideas and technologies. The regulatory sandbox guidelines issued by MAS is an example of accommodating policy where fintech startups have the space to experiment and grow at their own pace.

2015 was also a challenging year for the local economy with GDP growth estimated to be 1.8% for the full year, the lowest since the last major economic crisis post 2008. SMEs whom are the main target borrowers for P2P lending struggled to obtain financing and to keep afloat.

As the various crowdfunding platforms classify loan defaults differently, we don’t have a conclusive statistic on the defaults percentage across all platforms. With the slowing economy, we feel that non performing loans for the P2P industry will remain a concern for 2016.

A prevailing problem is the very nature of P2P lending itself. As the platforms have to offer returns that is high enough to incentive borrowers to lend as well as to compensate them for the high risk involved, most borrowers whom will accept relatively high interest rates are usually ‘un-bankable’.

These SMEs might face difficulty qualifying for business loans from mainstream banks and thus turn to crowdfunding to access financing. If the sector lies unregulated and credit underwriting of platforms are not robust, loans default will go up and investors might lose their entire capital amounts.

We observe the recent trend of platforms moving to securitize loans in the form of invoice financing and factoring. As most SMEs would not be able to provide hard assets such as property or equipment as collateral, extending loans that are backed by receivables with quality debtors is a positive move in view of the slowing economic landscape.

Overall, we are not optimistic that P2P lending will take off in a big way in Singapore. The expectations of investors on risk to return yield is tough to match against borrowing costs quality borrowers are currently paying to banks in interest. The market in Singapore is also too small to accommodate the current number of platforms.

For the rate of return to be driven down to attract otherwise bankable and quality borrowers, platforms must be able to scale fast and attract large numbers of borrowers and listings to diversify investment risk.

This is an uphill task as only major banks with structural advantages over startups can originate loans with large lending volume to diversify lending risk. Banks also have access to data that might not be privy to the platforms and credit bureaus such as credit and demographic profiling.

Crowdfunding platforms monetize via loans origination. Critics of P2P lending will point out that the platforms can only generate revenue by listing as many borrowers online as possible and does not have to bear any default risk. Interests of the platform might not be totally aligned with that of its investors.

Another trend that we observe is the emergence of second and third wave of new crowdfunding entrants. Most of these new players does not bring much groundbreaking innovation and by and large, business models are the same as the initial platforms.

Their presence might encourage refinancing of problem loans where borrowers on pioneer platforms whom are on the verge of default roll over their debt to the new platforms.

The new platform entrants might not be aware of repayment issues of such borrowers and in a bid to gain traction, on-board these borrowers. This will result in a game of musical chairs where the last platform holding on to the ticking time bomb will implode.

There are even some platform that promotes their problem borrowers to their competitors in a bid to avoid default being triggered on their platform.

A prevailing practice is the non-disclosure of borrower’s company name in listings. Reason cited was by reflecting the names of borrower on their platforms as was done initially, competitors will call up these borrowers in a bid to swing them over to competing platforms. This results in diminished transparency for investors as due diligence can’t be carried out prior to actual investment.

We feel that P2P lending will not displace the role of the banks anytime soon due to the massive structural and branding advantage banks have.

As an alternative investment class, investors might still be able to generate above market returns but proper due diligence and risk diversification is key.

Start investing and get special investment offer here!

2018-09-21 10:33:07


With an increasingly growing number of investors joining Swaper they thought to help you by answering some of the most frequent questions Swaper has received in the last few months. If you have a question that is not answered here or in Swaper FAQ, be sure to contact their support team.

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Why are there no loans available when I click “invest manually”?

Generally, what this means is that there is more demand (i.e. available investor funds for investment) than there is supply (i.e. available loans for investment). While the number of loans put on the platform is growing each month so too is the number of our investors. To ensure that your money gets invested our recommendation is to set up an Auto-Invest Portfolio so that whenever loans are being put onto the platform a share of your available funds gets invested automatically.

Can I use Transferwise for both incoming and outgoing payments?

Your initial deposit of funds to your Swaper account should always be from your bank account to allow us to verify your identity and your account ownership. Additional deposits to your investor account can be made via Transferwise, but remember to include your Swaper ID number (found under the ‘Add Funds’ sections of ‘My Profile’). Please note that funds that have been transferred from an account other than your bank account or any other transfers that cannot be directly linked to your investor ID will be returned and not added to your Swaper account. Withdrawals from your Swaper account can only be made to a bank account you own. Withdrawals to Transferwise accounts are not currently possible.

How do I know that my Auto-Invest Portfolio is working?

Once you have added funds to your investor account, you are able to create your first Auto-Invest Portfolio. The Auto-Invest Portfolio is the recommended form of investment with Swaper as it will automatically invest into loans based on your selected criteria. If you have used the recommended default settings of the Auto-Invest Portfolio you can be sure that all or a share of your available funds will be invested in a day or two. The default loan selection criteria have been set to maximize the amount of loans that you can invest in. As you adjust the criteria note that this might limit the amount of loans that fit your criteria and thus limit your investment opportunities. In some cases this may mean that your manually adjusted criteria have been adjusted to a degree that very few actual investments can be made by the Auto-Invest Portfolio. If you are unsure whether your Auto-Invest Portfolio is working or has been properly set up, our recommendation is to wait a day or two to check whether investments are being made and, if not, reach out to our support team for help.

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How do I obtain the Loyalty bonus of +2% on my investments?

The Loyalty Bonus is granted when your total account value has been 5000 EUR or more (or equivalent amount in GBP) for three consecutive months. Similarly, If your total account value drops below 5000 EUR (due to withdrawals) for three consecutive months, you lose the bonus. The system will check the value of your account at the end of each calendar month. This means if you have registered as an investor on, for example, January 11 and added 5000 euros then January will already count towards your Loyalty Bonus check.

Do I have to pay taxes on the returns I receive?

Swaper does not make any tax deductions from the interest you receive as an investor. Hence any tax filings and related payments are the responsibility of the individual investor. If you have questions regarding taxes on the profit received, please contact your local state revenue service. For tax filing purposes we recommend you use the ‘Income Statement’ tool found under ‘My Profile’.

Start investing and get special investment offer here!

2018-09-21 10:29:40


Lenndy is a peer-to-peer lending marketplace where investors can find consumer and business loans listed by multiple loan originators and purchase claim rights of the underlying loans. The platform was launched in September 2016 and has recently celebrated its 2 nd anniversary. Lenndy offers annual returns ranging from 12% to 15% which is higher than most of the P2P platforms can offer!

Start investing now and get 12%+ of annual profits!

You take your own decision in accordance with investment type and its amount, Lenndy’s team, however, advises to diversify the portfolio by spreading it across multiple loans and takes responsibility to support you in investment realization and control of all the payments! Let’s look at how it works and what type of features are offered. Types of Loans and Security There are different kind of loans offered on the platform. At Lenndy you can find the following types:

 Mortgage loans (business loans with pledged real estate);  Secured car loans;  Invoice financing;  Business loans (working capital);  Consumer loans.

Most of the loans listed on Lenndy has pledged collateral and/or buyback guarantee provided by loan originators. That is, if the borrower is overdue for over 60 days, loans with buyback guarantee are repurchased by loan originator with accrued interest (look for a buyback icon to know which loans are secured with the buyback guarantee). This makes your investment completely safe! Lenndy platform’s operator pays particular attention to the quality of loan originators, therefore, only a small fraction of loans are overdue for over 30 days. Each loan originator has to go through the strict due diligence process which can even take a few months. Loan originators are checked for their financial performance, portfolio management, and quality control practices, risk management policy and future prospects.

Start investing now and get 12%+ of annual profits!

Why Lenndy? Most Value-Adding Features

Compared to traditional P2P model, Lenndy’s model has lower overall credit risk (due to multiple loan originators), greater ability to increase diversification and risk management policies are polished for each loan type by different loan originators. Lending marketplace model is attractive to investors as they can find a variety of short-term loans (up to 6 months).

What is more, there is an Auto Invest tool offered by Lenndy which is very efficient in terms of time-saving. When you use Auto Invest, the system automatically implements your chosen investment strategy based on your entered investment criteria and invests in suitable loans. If you change any Auto Invest setting, all available loan listings will be rechecked to make sure they meet your investment criteria. You can follow the portfolio activity in real time to make sure everything is working in accordance to goals and preferences and, of course, this feature can be paused or canceled at any time if you change your mind. Investors can also sell their investments on a secondary market which is useful for anyone looking to liquidate their assets quickly.

Some details about Lenndy:  Minimal investment: 10 EUR  The total invested amount just climbed over 14 mln. EUR  Over 4500 registered investors  Over 3000 loans funded  Average annual interest rate 12,47%  Detailed information about the performance can be found on the website –

Start investing now and get 12%+ of annual profits!

Visit to discover different P2P lending platforms and choose the one for Your funds’ investment!

NeoFinance is Lithuanian based P2P lending platform that focuses on personal loans and works…
2018-09-12 10:00:58

NeoFinance is Lithuanian based P2P lending platform that focuses on personal loans and works directly with borrowers (not via loan originators).

NeoFinance has been launched in 2015, and they became the leading P2P lending platform in Lithuania within the first year in terms of issued loans. Since the start, NeoFinance has already granted loans for almost 20.5 million euro. Already almost 5200 investors trust this platform and get very high ROI, which is in average 17.51%

Start investing here and get investment bonus for the first investment

Crowd-Investing in Russia
2018-08-24 10:36:11

Crowd-Investing in Russia

P2P/P2B companies have financed startups for 159,7 million euro according information from Central Bank in 2017. How risky are these investments?

Is it hard to get a loan from the bank for startup? Alfa-Bank conducted an experiment, sending the company “League of Robots”, which organizes children’s robotics, to large banks — Otkrytie, Promsvyazbank, VTB, Sberbank and Alfa-Bank. The company collected numerous documents, spent a lot of time, and in the end, the loan was approved only by Alfa Bank. The “Alfa-Bank” wanted to draw attention to their service of Alfa-Potok, a platform that specializes in co-financing small projects with a share of future profits.

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Crowdinvesting is relatively new tool for Russian financial sector. P2P/P2B companies have financed startups for 159,7 million euro, during the same period banks issued loans for 88,5 billion euro to small and medium sized companies according information from Central Bank in 2017. Crowdinvesting services is a tool for investors who seek higher profit. Is the risk justified?

P2P/P2B lending platforms.

Banks have been actively financed small and medium-sized companies before 2014, but overdue outstanding loans have been increased more than 50% for this sector (small and medium-sized companies) in 2015. According to the results in 2017 the total portfolio of bad loans reached 15% (58 billion euro) — says Mikhail Doronkin, an expert of bank ratings ACRA. For comparison: the delay in retail loans (car loans, unsecured loans, cards) is 11.2%, corporate — 5%, mortgage — 1.3%, calculated by agency “Expert RA”.

Crowdinvesting platforms are alternative to the banks. There are several big P2P/P2B companies like “Town of Money”, StartTrack, “Alpha Potok” and Simex. The “Town of Money” has published applications for more than 30,5 million euro since its launch until May 2018. On this platform more than 5100 investors funded the loans and 32 000 borrowers that got the funds. Through the StartTrack platform, 62 companies were funded for 27,6 million euro, 4,000 investors provided funds, and through the Alfa-Potok service, 2,044 companies for a total of 21,7 million euro, which were provided by more than 17,000 investors. The Simex platform showed comparatively modest results — 6,000 investors invested 1,76 million euro in 38 projects.

There are different options for investors such as: auto dealership centers, online stores, coffee shops, private clinics, eco-hotels, trucking, etc. The profit on these projects is promised at the level of 17–30% per annum. This is much more than for deposits, the rate on deposits in the top 10 banks was 6.4% per annum in April 2018. The threshold of the entrance is different depending on the company. On the “Town of money” platform, investor can lend out at least 735 euro, if the project volume is up to 14 520 euro, and 1 452 euro if the borrowing company attracts over 1 million rubles. The minimum amount of investments on the StartTrack is 1 452 euro, while the Alfa-Potok service costs 145 euro.

Each platform has its own nuances. “Town of Money” offers ideas how to finance individual projects, and invest in a portfolio product consisting of several start-ups, earning commissions from the investor (2%) and the borrower (3.5–6%). Alfa-Potok distributes the client’s investment between 20 companies.

In “Alfa-Potok” platform investor doesn’t choose companies, it will choose automatically — explains Nikita Abramenko, the founder of Alfa-Potok. The service is primarily targeted for entrepreneurs, its goal is to provide quick loans for companies with annual revenues of up to 4,4 million euro. The maximum profitability for the investor is 17.3% per annum, the rate for business is fixed at 24%, the income for “Alpha-Potok” is the difference between these percentages.

On average, the user of “Alfa-Potok” invests 1 306 euro, the investment term — six months, says Abramenko. Only the client of Alfa Bank can use the service.

StartTrack is opposite from Alpha-Potok,and it’s focused on the big investor and allows you to finance individual projects. “Our investor is a wealthy man,” says the platform general director Konstantin Shabalin. StartTrack prefers companies with a turnover of more than 1,452 million euro a year. You can invest in them in two ways. The first — to provide a loan, the average rate for business is 22%, the same amount is received by the investor himself. StartTrack earns on commissions, charging 5% of borrowed funds from the borrower. The second type of financing is the investor’s participation in the company’s capital. Such transactions are already offline, and the average check for them is $ 100,000. Usually investor acquires shares of about 30–50%, then he gets either dividends or profit from the sale of shares, Shabalin explains.

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Crowdinvest platform Simex is the most democratic — it is designed for investors with amount $ 150 usd. Investor can choose among the projects presented on the platform and invest in a preferable start-up in two ways: to provide a loan at a fixed rate or to invest in a percentage of the future profit, it ranges from 5% to 10% in depending on the project, said co-founder of the platform, Denis Kurilchik. Simex retains 1.5% of the commission from the allocated funds and 1% for the subsequent resale of shares on the platform.

The Audit.

Market parties of crowdinvest recognize that is a fairly risky investment. Platforms are trying to minimize these risks by checking potential borrowers, which includes credit scoring. The Town of Money assigns a credit rating to each borrower based on assessing the sustainability of its business, its competitiveness, financial independence, its own funds, the amount of debt burden and credit history. The level of delay is only 4.5%, according to this platform.

A similar model works in Alfa-Potok. “We compare the data on cash settlement services of small business clients of Alfa-Bank with the data of arbitration courts, as a result of which we derive predictive default models,” — said Abramenko. Of the entire mass of applicants, funding in Alfa-Potok is less than 10%. The default rate for the entire life of the project is 1.12% of the 1.5 billion rubles issued, or 27 defaults of 2,689 loans issued, — assures Abramenko.

Simex first checks the founders of the company-borrower for debts or data of arbitration courts, then scoring the startup service. After checking the startup is placed on the platform, and it is estimated by the investors themselves — they vote for the project, leave their comments about the business model and the rate that the borrower assigns. If the applicant receives a sufficient number of votes, a round of investments begins, which continues, for example, 90 days. If during this time the project attracts financing on the site, then an appropriate agreement is concluded with investors (on an interest-free target loan with an option for a certain share of future profits), if not, it is sent to the archive. All these tricks did not help them to avoid mistakes: in the state of default there are 15 financed companies. However, the overwhelming majority of problem borrowers are among the first platform projects that appeared when the scoring system was not yet run-in, — assures, Kurilchik.

On the StartTrack platform, credit analysts are engaged in the selection of borrowers, they request documents, report, check the current state of the company. At the same time, the analysis results are not provided to investors — the logic of the platform is that the investor should evaluate the company and make his decision. He has the opportunity to meet personally with representatives of companies and to request reports, a business plan and other documents necessary for the evaluation of the project. For all time of existence of a site money was not returned only by five companies from 62 financed, — confirms Konstantin Shabalin.



In the end of April 2018, government supported the bill on alternative investment. They have proposed to make a number of amendments, in particular, to establish a limit for the amount of regional investment for one investor not more than 8 712 euro per year, as well as the upper limit for the amount of raising funds of 14,52 million euro for one project through one site. The bill is yet to be finalized, but when it is adopted, clear rules of the game will appear on the market, industry participants hope.

The problem of crowdinvest platforms are the imperfection of scoring, says Alexey Chalenko, general director of the financial company 7Seconds. After all, the balance of small and medium-sized companies often does not reflect the reality of things. And this is often due to the imperfection of the disclosure procedure and the desire not to raise suspicions in the tax service.

The Crowdinvests are interesting at the initial stage of development of projects, while they offer high profitability for high risk, according to the analyst for the share market of Finam Vadim Sysoev. In the future, as technology grows, profits will decline.

If the investor still decided to risk the funds, then it is worth considering that defaults are more likely to occur in companies in the field of agriculture, construction, real estate,- said the executive director of the NRA Pavel Samiev. “There is also a high delinquency in trade enterprises, especially those focused on imported goods, as they depend on the exchange rate. But the companies involved in production look reliable.

2018-08-09 06:28:08


Bulkestate is a real estate crowdfunding and group buying platform. It provides an easy, secure and transparent way for everyone to invest in real estate and buy apartments. Bulkestate claims that their main priority is a 100% customer satisfaction and they are on a mission to make quality real estate investments available to everyone.

Real estate is one of the biggest markets globally that is constantly growing. Therefore, investing in property-backed loans provides limited risk and high returns. Bulkestate offers more than 14% of annual returns and there were over 2000 investments already made on the platform. Let’s discover the features offered by the Bulkestate and how to start using the platform.

Start investing now and get 14%+ of annual profits!

Where to start?

First of all, you need to set up your investor account. Once you register and activate it, you can transfer funds from your bank account to Bulkestate’s account. Different types of investment opportunities then become available to you. Choose the ones according to your investing criteria, invest and earn money.

There is also an Auto-invest tool offered by Bulkestate which helps in terms of time-saving and automatically invests your free funds in loans according to your investment criteria. Investors need to set their preferences and the Auto-invest places orders for matching settings. In case you change your mind, you are able to change the settings, pause or cancel this tool at any time.

Group buying option

Bulkestate does not only offer investment deals, but also a group buying option or the so-called “bulk-deals”. Here’s how it works. Such deals occur when an owner of the apartment building wants to sell the entire building (all apartments) at once. If you want to participate in group buying, you first need to choose an apartment you want to buy, make a reservation and pay the security deposit equal to the price of one square meter of the apartment. After the reservation is made, you need to confirm it by making a bank transfer (or using other payment methods). As soon as the project reaches the reservation target, you are invited to sign a real estate purchase contract. If the target is not reached, you are refunded within 48 hours.

Start investing now and get 14%+ of annual profits!

Security of investments. What are the drawbacks?

All the loans offered by Bulkestate are secured with real estate mortgage. Before being listed on the platform, each investment project is carefully selected and goes through the strict and consistent evaluation process by the Investment Committee (highly experienced real estate, investment, and finance experts).

The drawback of the platform is that the loans listed on the Bulkestate are not protected by a buyback guarantee which is now very popular among P2P lending platforms. This means, that in case the borrower delays the payment, the credit company that issued the loan is not obliged to buy back the investors share in the loan. However, if the payment is delayed for up to 15 days, Bulkestate will contact the borrower directly to find out the reason for the delay. It has the right to terminate the loan contract and require immediate repayment.

Another minus from the investors’ perspective is that there is no secondary market which might be needful for anyone looking to liquidate their assets quickly.

Why Bulkestate?

The main criteria which separates Bulkestate from other platforms is the combination of lending and group buying deals. The significant part of Bulkestate’s team are experts in the fields of real estate development which means a hands-on experience with the due diligence and approval processes. On top of that, there are no fees for the platform usage and additional bonus offered for larger investments.

Some details about Bulkestate:

Who can invest: Any company or person over the age of 18 can invest in any of the active investment opportunities on the Bulkestate platform

Defaults: 0%

Average annual return: 14,7%

Investments already made: 2098

Minimal investment: 50 EUR

Average loan term: 12 months

Average invested amount: 710 EUR (larger than 42% of platforms)

Registered investors: 1502

Start investing now and get 14%+ of annual profits!

Visit to discover different P2P lending platforms and choose the one for Your funds’ investment!

2018-08-08 08:24:49


Peer-to-Peer lending (or P2P), is a relatively new asset class in the world of finance that has gained traction within the last decade. Most recently, the past five years have seen an explosion of p2p lending platforms offering different investment options, rates of return, business models and the assets they invest in. As the newborn of the alternative finance world, p2p lending platforms have paved the way to a fair and competitive marketplace that challenges the traditional monopolization held by the high-street bank giants.

And with the globally increasing adoption of the blockchain technology, it was always inevitable that the two would meet. Crypto and P2P lending shares many similarities. They both gained prominence after the financial crisis of 2008; they share the ideology of decentralization and are founded on new tech advances. Furthermore, they’re both designed to bypass traditional financial institutions and are therefore very well positioned to serve customers in countries with underdeveloped finance sectors.

Looking at the numbers, the volume of global p2p payments and remittances is over $1 trillion yearly and increasing, while the crypto market cap is around $250B today.

However, both industries experience their share of problems. Cryptocurrency market is extremely volatile and cannot be easily diversified into stable assets, because the price of cryptocurrencies is heavily correlated. Destabilizing the situation even more are crypto whales, ”pump & dump” schemes and speculation. Some argue that all the price manipulation is deeply connected to the lack of intrinsic value.

Similarly, the P2P lending market faces challenges as well. Decentralization has had the unintended consequence of isolating many platforms to their native markets. Even worse, decentralization has made it difficult for large institutional investors to access the P2P lending markets as they are often too shallow and cannot support their required trading volumes. This has resulted in low success rates of many P2P lending subclasses, such as personal loans, as there is simply not enough investors to meet demand.

There is a solution to both of these industries’ problems. Tomas Medeckis, CEO at Welltrado says that by uniting the two asset classes both sides can benefit. Welltrado offers a platform using which coins are invested in the stable high-yield asset class that is p2p lending. In case of a fall in the price of cryptocurrencies, the assets are safe and still yield good returns ranging between 6% and 25%. Since the majority of P2P lending platforms aren’t accepting crypto, Welltrado exchanges the cryptocurrency to FIAT which is used to invest in various loans. The proceeds are then converted back to the client’s cryptocurrency of choice, therefore protecting them from fluctuations in the crypto price in the meantime. Part of the WTL, Welltrado’s token, is burned as an exchange fee, making it more scarce and increasing its value.

Secondly, because the investment is made in small fractions, the coins are diversified into a huge amount of assets across countries, platforms, mortgage & business loans, invoice financing, personal loans and more. What’s more, bitcoin whales and manipulators are not able to destabilize the market, because P2P lending is simply not vulnerable because it is for the long-term, often with collateral, and too diverse to be subject to that kind of manipulation.

It’s a win-win situation for both sides because P2P lending gets access to crypto-investors who are not afraid of emerging technologies. The use of blockchain will secure trusted rating procedures and tracking — which will be of huge interest to P2P lending platforms in general.

Welltrado annouces a plan to enter Korean P2P investment market
2018-07-24 21:01:20

Welltrado annouces a plan to enter Korean P2P investment market

Innovation can be defined in many ways. Among those, my favorite is to define it as the ability to kill and eat a great (even better, if it’s the entire) share of an existing market. And it is because in this world of surpluses of everything, pretty much the only way to create a market as an innovation is meant to is to kill the old industry by making it obsolete.

“We see Korea as next destination for Welltrado. There are more 150 P2P investment platforms that can join Welltrado global network”, said Tomas Medeckis, the CEO at Welltrado.

There are always some people with the needs for a sizable capital but have an issue with acquiring it. And we all know that it is not because there’s a lack of capital out there. The issue arises at the intersection of the borrowers’ needs and the cost of such a capital the lenders demand. They only thing about the Korean market of lending capital is that the gap is dramatic.

Welltrado seeks to reduce delinquency and default rates. The collection and analysis of data between peer-to-peer financial companies with specialized fields enables sophisticated screening.

The block-chain-based P2P investment platforms aggregator is in close contact with various P2P investment platforms in Korea . Currently, Welltrado is information provider that is building an open API for P2P investment platforms to easily access various non-financial data.

Peer-to-peer lenders are growing fast in South Korea thanks to their convenience and speed, with combined loans topping 1 trillion won ($864.3 million) last month, industry data showed in June

The Korea P2P Finance Association said that accumulated loans of its 56 members reached 1.2 trillion won in June, up 665.1% from a year ago when the total reached 152.6 billion won. Month-on-month, total loans rose 17.5%.

Analysts say that P2P lenders could become more popular because both investors and borrowers can access their services easily compared with traditional bricks-and-mortar banks, which require many documents from borrowers.

“It is very convenient. Borrowers can get short-term loans quickly while investors enjoy higher profitability,” said Kim Soo-hyun, an analyst at Shinhan Finance Investment. “They may threaten banks’ business in the long term, if they become equipped with more advanced technology

As of the end of July, 100 P2P investment platforms expressed an intention to join Welltrado P2P network.

You can also find this article at official Welltrado Blog.


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RT @Welltrado: Welltrado annouces a plan to enter Korean P2P investment market! Read more by clicking this link: ht…

Welltrado annouces a plan to enter Korean P2P investment market! Read more by clicking this link:

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