Development of personal ICO accounts and creation of turnkey technical infrastructure. Comprehensive software solutions for the financial market The borrower has passed a serious selection process
The borrower wins the contract and places an application for a loan.
Investors analyze proposals and decide how much to lend and to whom.
The borrower receives money from a large number of investors and collects the required amount.
The company fulfills the contract and returns the debt to investors with interest.
Borrower analysis
We disclose detailed information for each loan: company information, contract description and documentation
to it, the borrower's credit history
and its shareholders, history of execution of similar contracts, work history
on our site.
Investment protection
Relations between investors and borrowers are regulated by standard agreements that protect the rights of all participants.
At the same time, you take on all the risks of non-repayment of the loan - do not give a lot of money to one company, distribute
your portfolio for 50-100 borrowers.
All processes are online
You register on the site
and get access to your personal account.
You do all operations there: select projects, top up your account and withdraw money, sign contracts, issue loans and get money back
with interest. The entire transaction history and analytics are immediately available to you.
on investments. There is no need to come anywhere or meet with the borrower.
We offer loans for execution
short government contracts
The borrower has passed a serious selection process
You give a loan to companies that have won government tenders and received a bank guarantee for the execution of the contract.
We additionally analyze the reliability of the company and its founders, as well as the experience of executing similar contracts.
It is clear how the borrower will repay the debt
The loan is tied to a contract that specifies specific terms and amounts. We select simple contracts - the risk of non-fulfillment of obligations under them is always lower. The borrower fulfills the contract, receives payment, and pays you back.
Short investment period - less risks
You give loans for a period of no more than 6 months. This reduces the risks
that something will go wrong with the borrower over time. you also
do not freeze your money for a long time, in case you urgently need it or the ruble exchange rate begins to decline.
Oleg Laguta,
Co-owner and one of the founders
JSC CB "Modulbank"
How to make money on a loan
First register on the site - this will take
less than 5 minutes.
Register
Register on the ModulMoney platform and get a personal investor account. Registration - directly on the site, you
no need to waste time traveling to us.
Invest
Top up your personal account with a simple transfer. Select a project on the site
and invest in it. To make an investment, just sign a simple SMS agreement.
Get income
We control loan repayment terms and do everything possible to ensure that borrowers repay money on time. You can withdraw the money received or invest it again.
FAQ
- How does it work in a nutshell?
Companies win government tenders and need money to fulfill the contract. They register on our site and place an application for a loan. We analyze the application and provide detailed information about the borrower and the contract.
Many investors are registered on our site. They study borrowers' applications and invest in the projects they like. Everyone gives a little bit, and in the end the amount necessary for the company is collected. We transfer the collected money to the borrower's account.
The company fulfills the contract and receives money from it. The borrower transfers the money received to our platform to repay the loan. We distribute money to investors. The investor receives back the invested money and interest: it can be withdrawn or invested in new projects.
- How to start using the platform?
To register a personal account, you just need to indicate your phone number; to do this, click the “Register”/“Login” button and the system will prompt you for further steps. After registering your personal account, you will be able to see projects for investment and site analytics. To invest, you just need to indicate the person from whom you plan to invest money and top up your account.
- Who can be an investor?
Investors can be individuals, individual entrepreneurs and legal entities.
- How much can you invest?
You can invest any amount, even one ruble. The maximum investment amount is also not limited, but we advise you not to invest a lot of money in one project. It is better to divide your investment portfolio into 50-100 projects.
- How to replenish your account and withdraw money?
For each person from whom you invest, we open a personal account. This is the same as a personal account with a mobile or Internet operator. You can top up your personal account by a simple transfer from any of your bank accounts. To replenish your account, click “Top up”, then “Transfer from a bank account”, select from whom you want to invest and the details for replenishment will be displayed on the screen.
It is important to indicate the purpose of the payment in full accordance with the specified details. Money usually arrives in your account within two to four hours, but some banks send money within one day. Some banks charge a commission for transferring money to the site's account.
To withdraw money, click “Withdraw money”, provide your bank account details and confirm the operation via SMS. We will transfer the money to you immediately. How quickly you receive money depends on the bank where you have an account.
Important! You can top up your account on the site and withdraw money only from bank accounts that belong to you. Also, you can top up an individual’s account on the site only from an individual’s bank account, an individual entrepreneur’s account from an individual entrepreneur’s bank account, and a company account from a company’s bank account.
The site does not charge any fees for depositing and withdrawing money from the account.
- How much can I earn?
Loan rates range from 25 to 35% per annum. It’s easier to understand how much you earn with a specific example. You gave 100,000 rubles. for 90 days at 30% per annum. After 90 days you will have earned an amount equal to 100,000x0.3x90/365. This is 7,397 rubles 26 kopecks. You will need to pay tax on this income (you can also read more about taxes in the “Frequently Questions” section).
Do not forget about the risk of non-repayment of issued loans, which you fully assume. We advise against investing a lot of money in one project. It is better to divide your portfolio into 50-100 projects.
- What about taxes?
- How is the loan issued?
Everything is done online, you don’t need to come anywhere, you confirm all transactions via SMS.
You choose a project and invest in it, while the money is reserved in your account. For each project, the borrower sets a deadline for collecting money; during this period, he can at any time refuse the loan or withdraw the collected money.
If the borrower refuses the loan, the money will simply be returned to your personal account. When the borrower accepts the collected amount, your money is automatically transferred to the borrower’s current account - the loan is issued.
- Is there a guarantee and collateral?
We do not take collateral or guarantee. Small businesses rarely have liquid collateral. And it takes a lot of time to formalize a pledge or guarantee, and this requires paperwork, because there is only one subject of pledge, but there are several loan agreements with each investor. At the same time, experience shows that the presence of a deposit or guarantee does not greatly affect the return of money in a small business.
The main collateral for loans on our site is the money owed to the borrower under the contract.
- How do you evaluate a borrower and what are the money-back guarantees?
Our task is to minimize the risk of non-return.
We have chosen a segment of borrowers for whom there is a lot of objective information for making a decision.
We analyzed the borrower and his project for you:
Contract information
Credit history of the borrower and its founders
Borrower's experience in contract execution
Protected your legal risks: the standard loan agreement of our site does not allow the borrower to include “negative” conditions for investors.
In this case, you completely assume the risk of non-return on investment in the project. Do not invest a lot in one project, it is better to distribute the money over 50-100 projects.
- What happens if money is not returned?
- Can I contact the borrower and ask a question?
We do not provide investors with the borrower's contact information. Imagine if 100 investors want to talk to him in 1 day to clarify information on the project. At the same time, we provide you with the most detailed information about the project and the borrower to make an investment decision.
- How is a loan agreement signed?
The loan agreement consists of the General Conditions, the Offer submitted by the borrower, and the statement by which you join it. The offer defines the main terms of the loan: amount, term, interest rate, etc.
You sign the contract online via SMS code. The same way any internet or mobile bank works.
- How is the loan repaid?
After the loan is issued, you will be able to see all the information about it in your personal account: amount, interest, repayment period, etc. To repay the loan, the borrower replenishes his personal account on the site. On the maturity date, we will automatically transfer from the borrower's account to all investors the money they invested and the interest earned.
When creating a website, one of the key points is the presence of all kinds of functions, as well as the presence of such irreplaceable functionality as the ICO investor’s account. After all, a lot really depends on it, first of all, the maximum simplification of all activities as a whole.
Professional creation of an ICO investor account
Our company specializes in various areas of programming and organizing all kinds of functionality. Therefore, we are trusted by both entrepreneurs, individuals, and owners of large enterprises. Since we are ready to provide a range of services at a professional level on a turnkey basis. And if you need a personal account, then you have come to the right address.
Our well-known company has been specializing in professional programming for a long period of time. We have selected competent and trained programmers who are ready to take on and manage any project from A to Z. After which any client receives the desired result promptly, efficiently and the first time. Therefore, we are ready to provide the opportunity for any interested person to implement what they want into reality, and to simplify their work activities as much as possible.
The irreplaceable role of the ICO LC
It is known that the key function of the ICO investor’s personal account is considered to be significant simplicity in the process of crowdsale management and more. A personal account is necessary for investors and is considered almost indispensable for potential organizers. It has long been no secret that for investors the most important stage of trust is the fast and correct transfer of funds, as well as receiving all kinds of used cryptocurrency in the personal account. For organizers, autonomy of work is no less important, as well as specialized settings for bonus accruals performed automatically and the like. Therefore, this process requires a professional approach. If you are interested in carrying out the above actions, then our specialists will be happy to help you.
Optimal cost of services
We have provided the opportunity for any interested person to receive ideal services at a competitive price. Because we value and respect the individual wishes of our clients. And we provide the opportunity to provide favorable value for money. By contacting us, you can personally see that we value and respect every interested person. And we provide the opportunity to order online the ideal services by type, class and other parameters.
The technical infrastructure of the ICO project, thought out and logically built, is an important part of building investor confidence in the entire project. The project structure must withstand attacks from numerous hackers, offer convenient ways to control investor funds, and display information about the project without failures or lags.
Platform for hosting an ICO project
To launch a startup on the crypto market, it is necessary, first of all, to find a suitable blockchain platform. You can use it to create a token with all the characteristics from scratch, or you can use a ready-made technical solution. Ethereum is considered the most popular platform in the world. Here you can create smart contracts or tokens, but you will have to use the help of an experienced programmer. There is another option: recently there are more and more platforms where, following simple recommendations, you can create a token yourself without programming skills.
Waves is a Russian project that has already launched dozens of ICOs. This platform issues its own tokens, which can be used to pay commissions for network services.
NEM is a Japanese brainchild that operates on its own blockchain platform. For transactions here, it is not the nodes with the greatest computing power that are used, but the nodes that are of great importance in the network.
NXT is a Dutch platform that also functions as an exchange. Here the parameters of tokens can be configured and changed: for example, you can make their mining possible and set its difficulty or prohibit their sale.
Protecting your site from hackers
Attracting investments through ICO projects has become a tasty morsel for hackers. Over the entire short history of the ICO, millions of dollars have already been stolen. The investor is already exposed to a high risk of not getting his own money back if the project fails. Therefore, if the author of the idea does not ensure the safety of the ICO from hackers, the level of trust in him will be reduced. First of all, it is worth taking care of the security of the code, because it has potential control over millions of dollars. Threat monitoring should be carried out regularly, and during the launch of the project, you need to prepare for a massive bot attack on the site.
Often unprepared sites crash within the first hours after the opening of the token sale due to DDOS attacks. This will prevent truly interested investors from purchasing your tokens and will undermine trust in the company itself. Employees should be trained to deal with such situations, and security teams should screen them for involvement in cybercrime. If unplanned situations do arise, inform your investors about the problems and assure them that everything will be resolved soon - this will free up the support team from repeated requests. Properly built protection against hackers will help your project avoid the fate of Matchpool, an online dating application whose launch money of about $6 million was stolen by hackers.
ICO investor personal account
An investor’s personal account is an advantage of an ICO website that can take you ahead in the competition for investments. This is the section of the site where all important information about the project and its progress is posted. It allows you to achieve complete transparency of the project, which only plays into the hands of the author, as it increases the loyalty of investors. Purchasing tokens in your personal account is greatly simplified, which attracts newcomers to the cryptosphere to the project. Through the account you can interact with other project participants. Developing a personal account on an ICO website is considered a complex task that requires time and money. Therefore, the presence of an investor’s personal account automatically raises the prestige of the project in the eyes of potential investors. For the normal functioning of the ICO website, a team of professional programmers will be required.
Internet technologies have long been firmly established in our lives. If previously systems such as a personal account were a unique offer on the market, today they are an integral part of the provision of financial services to investment companies. It is no secret that clients choose companies with a convenient, functional and secure personal account.
An investor’s personal account is a web application for an investment company’s website. It helps organize a system of interaction between the client and the company. In essence, this is an operational electronic document management system that allows Clients to receive reliable reporting on investments.
Anywhere in the world where there is Internet, a client can log into his personal account and instantly find out the status of the account and each investment portfolio.
The application allows the client to fully manage his account, provides the opportunity to receive up-to-date information in a short time, and also improves the work of the back-office departments of brokerage companies, managers or banks.
One of the unique implementation features is functionality that allows the client to request information about any security traded on the MICEX / RTS floors and transfer this information directly to the client’s back office.
We created the software product taking into account our own many years of experience and the possibility of diverse and individual goals and objectives for the company. That's why using the application is very easy. It is possible to independently customize the menu, change the design and content of pages, and manage users.
The specialized technical requirements for the product are as follows: to implement the application, you need Windows hosting, IIS 7.5, ASP.Net MVC 3.0 platform and MS SQL Server DBMS.
The Investor's Account is your personal online space for quick access to the investment resources of our club. It contains only verified and effective information for a profitable investment process.
Having access to the Golden island account, you receive:
- Current information. Full information support in all current and profitable investment proposals of the club. Explanation of the nuances and features of a particular investment proposal, the latest news and effective recommendations.
- Ready investment portfolio. A carefully balanced and investment portfolio designed for any amount of investment funds. The simplest access to all investment projects, as well as minimal risks.
- Profit report. Timely and clear report on existing and potential investment proposals. You will be aware of where and how your funds work, as well as what this or that offer can give you.
- Prompt notification of all changes. Instant notification of all investors and existing changes/improvements in regulations and investment processes in all relevant areas of your investment portfolio.
- Free training and consultations . 24-hour access to free consultation and training in financial literacy, investment rules and features of these areas. Priority for all current members of the Golden island club.
To gain access to your Golden island personal account, contact the current club partner who recommended this site to you. This is the only way to obtain membership in our club.