LendsBay

LendsBay

ICO Ended
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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.
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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.
9.1
TOTAL SCORE
9.6
ICO PROFILE

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TEAM PROOF

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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%
2016-2017
Createding a web prototype.<br /> <br /> Market research.<br /> <br /> UX testing.<br /> <br /> Builtding a financial model.<br /> <br /> Developed the server and user part of the application.<br />
JUNE 2018
Conducting a pre-ICO.<br />
JULY 2018
Release of the beta version of the app for Android/iOS.<br /> <br /> Developing the legal component (loan agreements, lawsuits, debt collectors).<br /> <br /> Establishing ratings and pricing mechanisms.<br />
SEPTEMBER 2018
Carrying out an ICO.<br /> <br /> Converting tokens, connecting to the app.<br /> <br /> Adaptation for Telegram.<br /> <br /> Connecting to a credit bureau.<br /> <br /> Connecting to telecoms/online credit history providers.<br /> <br /> Entry into the UK and US markets.<br />
MARCH 2019
Creating social groups: Co-workers/University.<br /> <br /> Linking to a payment system.<br /> <br /> Implementing the social ratings system (proximity rating).<br /> <br /> Implementing the behavioural ratings system.<br /> <br /> Creating an API.<br /> <br /> Entering developing markets.<br />
SEPTEMBER 2019
Implementing the blockchain ratings system (LBR): distributed accounting and storage of ratings data.<br /> <br /> Constructing a ratings model based on multiplicity of data.<br /> <br /> Providing the suppliers of goods and services with secure access to the ratings system data to create their own ratings.<br /> <br /> Granting financial organisations secure access to ratings data.<br />
FEBRUARY 2020
Creating a universal rating for economic relations (LBU).<br /> <br /> Creating various ecosystem elements.<br /> <br /> Building a consolidated ecosystem of transparent relationships.
Screenshots taken on 22 Jul 2018
Alexander Koptelov
Founder, CEO
Participates in a number of projects
Anton Gazizov
Founder, CFO/IR
Participates in a number of projects
Andrey Cheremkhin
Founder, COO
Participates in a number of projects
Lyudmila Lukashova
Founder, Risk
Participates in a number of projects
Vladimir Gorbunov
IT
Participates in a number of projects
Daria Batamirova
Marketing strategy
Participates in a number of projects
Kristina Shilova
SMM
Participates in a number of projects
Angelica Phillips
UK Market
Participates in a number of projects

Advisors (4)

Murat Yenikeyev
Risk adviser
Participates in a number of projects
Alexey Khaliullin
Advisor
Participates in a number of projects
Andrey Lukashevich
Advisor
Participates in a number of projects
Evgeny Kaplin
Advisor
Participates in a number of projects
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