What is P2P lending and how is it carried out? British cryptocurrency platform Nebeus for P2P banking services enters a new level with ICO P2P lending platform

NEBEUS is a cryptocurrency platform for P2P banking services, in which the possibilities of cryptocurrency and standard banking services are combined, which allows customers to acquire, sell, store, translate, lend and occupy funds in cryptocurrency. NEBEUS Today is an already successfully working credit and trading platform with a multi-cryptocurrency wallet.

Within the framework of the platform there are many personalized decisions for both individuals and legal entities. This is the presence of your own wallet, which allows you to produce various payments and carry out the entire spectrum of cryptocurrency operations, and the possibility of issuing NEBEUS P2P loans in cryptocurrency. NEBEUS also has a trading platform with the possibility of P2P trading and buying and selling various cryptocurrency, performs the release of debit and credit cards attached to the account whose holders can instantly receive loans and have instant access to funds.

It is planned to add many functions, such as: additional cold storage; Creating wallets with multi-signature; creating regular payments; Issue of gift cards; The possibility of mass payments - for labor; execution of smart contracts; And many other useful features, you can learn about which you can in more detail by studying the project whitepaper. The Nebeus team seeks to develop a full-scale crypto-financial ecosystem based on blockchain, which will allow participants to create and consume financial products and services in a safe and convenient environment. The implementation of all of the above-mentioned plans of the NEBEUS founders will be possible thanks to the ICO mechanism. Through the attraction of external financing, the basis for intensive growth of the capabilities of the platform is created.

PeriodPre.- ICO.:

• Start: 9 October 2017 12:00 GMT
• End: November 2, 2017 12:00 GMT

Pre-ICO conditions:

• The number of suggested tokens: 3 000 000
• Tockey price: 1 nbtk \u003d 0.5 USD (tokens at this stage are sold with 50% discount)
• Bonuses for the early purchase of NBTK token: the first 24 hours - 20%; 2 - 3 day - 10%; 4 - 7 day - 5%; 8 - 14 day - 2.5%. Bonus tokens will be added to the number of purchases already purchased.

PeriodICO.:

• Start: November 3, 2017 12:00 GMT
• End: December 31, 2017 12:00 GMT

ConditionsICO.:

• The number of the proposed tokens: 50 000 000
• Tkenet price: 1 NBTK \u003d 1.00 USD
• When buying a token in the amount of $ 500 or from $ 1,500, Nebeus offers its investors free MasterCard plastic cards with a number of advantages (elevated cashback, low fee fees, a large amount of daily transaction, etc.). Card holders will be able to make online purchases and pay in stores around the world.

Advantages of TokenovNbtk.:

• They can be sold at a higher price (tokens will freely contact, at least on three exchanges).
• They can be used as a means of payment for NEBEUS services.
• They can be used as a deposit on loans under the NEBEUS platform.
• Token owners will take part in the dividend distribution (the NEBEUS platform will distract 20% of its profits and distribute between the token holders on an annual basis).
• The company is registered in the UK, audits will be conducted by the Company's accounts whose results will be published.

ParticipantsNebeus.ICO. Secure:

• Escrow (funds attracted during ICO are stored in Escrow - conditional deposit).
• Wallet with multi-signature.
• Nebeus tokens are based on the ERC20 standard.
• Tokens for founders are not to be transmitted at the end of ICO and are blocked by 12 months with a smart contract.

Through the participation of the company, the success and profit of the company can be divided. Already according to the results of the first week, the Pre-ICO project managed to attract more than 120 thousand $ investment, selling about 233 thousand tokens. The creators of Nebeus predict the growth of the company both through merger and acquisition transactions and due to organic growth. Absorption will ensure a significant reduction in time to obtain licenses. It is this combination that will become a nebeus growth catalyst and the basis for increasing the user base.

P2P lending is a method of implementing financial transactions in which the lender is an individual.

The P2P abbreviation is decrypted as peer-to-peer, which is literally translated as "equal to equal." Another option decryption is Person-To-Person, that is, "from a person to man." The term can be written both in Latin and Cyrillic (P2R).

How does P2P work?

Plates of equal lending are online trading. A person is registered on them as a borrower or a lender, after which it can take or issue loans.

Exchange is not a lender, but it plays an important role, speaking by an intermediary in transactions and checking the reliability and solvency of borrowers.

As leaving agents individuals and groups of persons, as well as investment organizations.

Despite the external simplicity of operations, the P2P service involves the study of borrowers and the formation of confidence rating in order to reduce investor risks.

Creditor and borrower relationships are bonded in the treaty format. The contract is legal and can be used as confirmation during court proceedings. But before the court it comes rarely.

The attractiveness of the equal lending system is that It is beneficial for both sides.. And the borrower gets the opportunity to quickly take small amounts of money for a short time, passing less severe check of its reliability.

Help: Most P2P platforms request not only passport details, but also the details of SNILS, INN and other documents.

Foreign and domestic practice

The first peerging organizations appeared in the mid-2000s. Among them can be distinguished by such stocks as Zopa, Prosper, Lending Club. At first, they did not have reliable mechanisms for checking the reliability of customers, which contributed to an increase in the percentage. Duration of loans were large (from 3 years or more), it reduced them and repelled many investors.

Over time, the exchange has reduced the minimum loans and optimized the processes of registration of credit documentation. The investigators were able to carefully analyze the loan before they finance it, and the requirements for borrowers were tightened. This made P2P lending financial schemes more transparent.

By the beginning of 2010, peering organizations acted as intermediaries in a wide range of transactions: from consumer microcredit to large and long-term business loans.

In Russia, sites that provide similar services began to appear in the period 2011-2012. The pioneer in this area was a platform along. Subsequently appeared other platforms.

A characteristic feature of the Russian P2P system is accent on microcredit. The population is still with distrust refers to the implementation of large financial transactions through the Internet, trusting them with bank agents.

But identifying peyaming sites and microcredit organizations are not entirely appropriate. Compared with MFI P2P sites carry out stricter control and inspection of potential borrowers.

In the Russian realities, equal lending is considered an intermediate link between such methods of investment, as bank deposits, Forex, binary options, etc. If the percentage of the contribution is small, but is charged with 100% guarantee, then profit with Forex and options can be huge, but not excluded and the risk of "combustion" of investment. In such realities, P2P offers an investor a good percentage of profits at moderate risks.

Risks and disadvantages

Equal lending carries certain risks:

• As contact of the lender and the borrower passes only through the InternetThe latter easier to hide with the money received and not to return them.
• Although the stock exchange and check users for reliability, their degree of control is not as great as in banks. Often, citizens with a negative credit history are allowed to register.
• Automated levels of checking and accrual rating it is easy to deceive an experienced fraudster. Falsifications of documents, submarine accounts and other methods can go into business.
• Fraudsters practiced such a scheme: The user takes and returns several inexpensive loans in a timely manner, it allows him to get a high rating with which he gets expensive loans on favorable terms and does not return them. The exchanges are trying to fight this scheme in different ways.
• Many sites work not with bank transfers, but with electronic money, whose turnover is regulated and is not so strictly protected.

Under the guise of P2P, large financial pyramids were organized. The most famous pyramid was called WebTransfer-Finance, it operated in the period 2013-2015. Fraudsters promised investors profits up to 3% per day, but in fact no loans were issued, and the promised interest was charged from the contributions of new users. In the middle of 2015, payments stopped, and most investors were left with anything.

Certain problems may occur at borrowers:

• Low confidence level to users leads to the fact that with a low rating, the interest rate may be significant.
• Exchange collaborates with collector organizations, which turns into problems with the delay in payments.

P2P Sites are represented by the following domestic and overseas sites:

1. Fingooroo.. Each borrower on the site has its own P2P lending rating assigned on the basis of the completed data and the timeliness of the return of loans. Loans with a relatively high percentage are available immediately after registration. The average income profit rate is 20% per annum, but the stock exchange is not trying to minimize their risks, which can reduce the expected earnings.
2. Btcjam. The English-speaking exchange, which is a mediator in transactions with Bitcoins. Frame users can take loans for education, business, medical expenses, on debt refinancing and for other purposes. Exportors of the Exchange attracts the ability to make a detailed analysis of the borrower's data before you give it money.
3. Bang. A classic playground that has a detailed bureau of credit stories. The lecturer can send a request to it and get information about user reliability. Despite this, the platform has one of the highest percent of the non-return of debts among other sites (20-25%). The Exchange is well suited for household microcredit: the average loan amount is only 7 thousand rubles.
4. City of money. The site is positioned as a platform for profitable business lending. It is issued for money for startups and other entrepreneurship beginnings, a mortgage lending is practiced on the stock exchange. Investors do not finance directly specific users, instead they invest in several projects, reducing their risks. Such a system allows you to invest in almost any person, the minimum starting capital for investing is 10,000 rubles. The city of money has the lowest percentage of non-return among similar sites (only 4%).
5. Credit Exchange. The playground is convenient because it is enough to have a personal certificate to get a loan, which is used and for using other services of the payment system. But this dignity carries and risks: testing users only through the internal mechanisms of the WebMoney system gives fraudsters to frauds for frauds.
6. Simzirok. Ukrainian Exchange, which uses the auction method for establishing a loan rate.
7. Kredbery. Founders of the site implemented a combined approach to the calculation of the credit rating: not only relationships with banks, but also data of profiles in social has been taken into account. Networks, recommendations of friends and acquaintances, results of special tests.

Reference: There are stock exchanges that work in a similar P2P format: they give loans over the Internet, but investors are large organizations, not individuals. These sites include Milli, Moneyman, etc.

There are other sites for investors, but they are not so famous as the above.

Sponsorship material

To date, the financial sector is located on one of the largest stages of technological evolution. Here it is mainly about banks and fintex startups, where development trend leaves for their positioning as places where people come for money, their retraining in the conductors of most necessary financial services. Thus, we can talk about changing the banking paradigm.

Increasingly come talk about banking without intermediary banks. And today, no complexity of the economy serves as a real threat to the existence of banks, and the financial supermarket in the smartphone, which is built using modern technologies, has a mobile wallet to receive and send payments and is a marketer or P2P platform where you can take money.

The separating opinion that the service of banks will soon become primary raw materials for products and services created by other companies - and is a similar supermarket, a kind of ecosystem in your desktop or smartphone for financial products and services.

about the projectNebeus.

NEBEUS is a cryptocurrency platform for P2P banking services, within the framework of which the possibilities of cryptocurrency and standard banking services are combined. This allows customers to acquire, sell, store, translate, lent and occupy funds in cryptocurrency.

Nebeus - Ready Product

The development of the platform began back in 2014. Now Nebeus is an international succeeding company with offices in London and Barcelona, \u200b\u200bwhich has become a successful credit and trading platform with a multi-cryptocurrency wallet. The platform and its services are already highly appreciated by rating agencies. Over the past three years, a wide range of basic services was developed without prejudice to security, AML and KYC procedures in the Nebeus business model. The platform has many personalized solutions for both individuals and legal entities. This is its own wallet that allows you to produce various payments and carry out the entire spectrum of cryptocurrency operations, and the trading platform with the possibility of P2P trading and buying and selling various cryptocurrency, and NEBEUS P2P loans in cryptocurrency, and many other useful functions that you can Read more To learn by studying Whitepaper project. You can use Nebeus services using a desktop or mobile application, you can download to the App Store and Google Play.

The idea of \u200b\u200bthe creators of the platform

Developers seek to create an open ecosystem that will simplify consumption and manufacture of financial products and services based on blockchain technology and smart contracts in a safe, transparent and convenient environment. Using the API, SDK and libraries of NEBEUS smart contracts will allow developers of third-party financial products and services to create value-added solutions within the platform. The Nebeus team is aimed at developing a convenient client service with inexpensive and highly efficient business processes that meet the requirements and challenges of a constantly developing cryptocurrency market.

Nebeus.ICO.

To achieve the above objectives, the ICO mechanism was selected. With the help of pre-ICO and ICOs NEBEUS funds are going to withdraw its platform to a new level. The project's creators plan to send most of the funds received for the launch of the development and conduct of the PR campaign. In more detail about Nebeus's future plans on the use of raised funds, you can read in the project map.

Pre-Sale Tocken NBTK began on October 9, 2017 and will last until November 2, 2017 at this stage, NEBEUS is going to sell 3,000,000 NBTK tokens totaling $ 1,500,000. During this period, the tokens nebeus are offered at a discount of 50% at a price of 1 nbtk \u003d 0.5 USD. This proposal is valid only during the pre-sale of tokens. Then the ICO starts, where the tokens will be sold already 2 times more expensive - at a price of 1 nbtk \u003d 1 USD. We will specify that in the first week the pre-ico project has successfully attracted more than 120 thousand $, selling about 233 thousand tokens. The beginning of ICO will take place on November 3, 2017, and its ending will occur on December 31, 2017, which is planned to sell 50,000,000 NBTK tokens.

Using TokenNBTK in the future

The project team offers NBTK token buyers additional opportunities to reduce risks and increase profitability, namely: exchange for company shares; trade in tokens, at a minimum, on three exchanges, including the NEBEUS platform; Using NBTK as a pledge on loans on the NEBEUS platform; Getting 20% \u200b\u200bof the share of net profit from Nebeus activities; Payment for the NEBEUS platform services (tokens used for this will be destroyed).

Protection of participantsNebeus.ICO.

NBTK tokens are based on the ERC20 standard. In addition, the funds attracted during ICO are stored in Escrow - conditional deposit. Also, ICO participants are protected by a wallet with a multi-signature, and competent consultants guarantee transparency and global coverage. Tokens for founders are not to be transmitted at the end of ICO and are blocked by 12 months with a smart contract.

For more information about NEBEUS, about the pass-ICO and the planned ICO can be found on where the project whitepaper and other documents are presented, as well as on the company's pages in all popular social networks.

The new R2P lending method will lead to the fact that banks will burn themselves as a financial structure and lose their significance. Today, the relationships of borrowers and lenders are built on online platforms.

P2R - What is it?

This type of lending arose in the UK. The name is translated from English "peer-to-peer", which means - from equal to equal or from person to person. This type of lending is convenient for both borrowers and investors.

It is noteworthy that users interact through the Internet platform, while the presence of the bank is completely not required.

The P2R service contains an information base with data that allows you to determine the fragility of borrowers.

If large and small financial institutions impliate the issuance of money by legal entities, the R2P lending is equal to each other, two individuals interact. That is why P2P lending is often called mutual.

Investor can be quite easy - for this you need to register on a specialized site. When registering the investor should make information on what purpose it is registered on the platform and under what conditions it is ready to issue a loan.

Advantages of P2R lending

The R2P lending method allows borrowers to get both small and very large sums. To obtain a loan in a large scale, the borrower may apply to an unlimited number of investors.

Why the method is profitable

Loans allow you to determine and coordinate the interest rate level directly with the investor. The loan size is also regulated by the borrower's credit rating. The rating is determined by the platform itself using scoring model.

What a mechanism of action

A set of documents that should provide investors and borrowers differ depending on which R2P platform is used. The documents provided and credit history information affects the credit limit and the minimum interest rate.

Using P2P platforms, investors have the ability to create an investment portfolio that will allow them to receive a stable income and get rid of risks.

With R2R lending, investors and borrowers receive favorable conditions, available investments and loans, flexible credit refund programs.

How to work with p2p platform

In order to start using the services of P2P platforms, users must undergo a mandatory registration, which involves the phased filling of forms. After granting information, participants get access to the personal account, and also have the opportunity to use all the resource capabilities.

Requirements for the borrower

In order to start working on the P2P service, the user is registered on the platform, gradually filling the forms.

Usually borrowers must specify:

• The amount they want to get in debt. It may be a small or large amount.
• The desired interest rate.
• The time during which the borrower will be able to pay a loan.

Sometimes the borrower can take money from several investors. This means that a large number of participants can participate in one transaction, because one borrower can not always issue the requested amount entirely.

So that the borrower can get a large amount and low percentage, he must do everything possible to get a high credit rating. Proportional to it increases the approved limit, which attracts potential investors.

Create a good reputation borrower may, strictly following the fulfillment of obligations assumed. The basis for receiving profitable credit proposals is information on loans that were issued by the borrower. This information affects the credit on all P2P platforms.

Requirements for investor

Investors can be all who has free funds. Investors have the ability to register on the site and view bids on credit at any time convenient for them. The investor chooses for itself the most advantageous offer. They usually pay attention to the terms, interest rates, rating or borrower portfolio.

Advantages for investors:

• High income from loans issued (rates are much higher than those offered in banks).
• Investor can issue a unopented number of loans.

Risk diversification can increase the total income from loans. For this purpose, investors may produce loans not to one, but several borrowers. Ensure the profitability of investments will help the method of issuing small loans to many borrowers.

Domestic P2P lending does not have clear regulatory mechanisms. That is why there are big risks of non-return of funds. The direct lending platform system did not show itself on the successful side and the P2P in Ukraine began to have a slightly modified foundation.

Today in Ukraine, some companies provide services on the mortgage R2R-rings without platforms, in the form of live communication directly with each side, which significantly reduces the risks of cash loss. And the second difference is the deposit in the form of real estate. These both factors are very important, as they guarantee reliability, large amounts of issuing and simplicity in the design. One of the companies that is a representative between investors and borrowers - Advance Finance Alliance. You can find more about the new class of lending on the official website of the company (http://afa.com.ua/investicii).