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Alternate cryptocurrencies => Announcements (Altcoins) => Topic started by: Lendledger on June 06, 2018, 12:04:31 AM



Title: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: Lendledger on June 06, 2018, 12:04:31 AM
OVERVIEW (http://lendledger.io/images/LendLedger-Overview-Optimized.pdf) | TECHNICAL PAPER (http://lendledger.io/images/LendLedger_TechPaper.pdf) | WEBSITE (http://lendledger.io/index.html) | TELEGRAM (https://t.me/LendLedger) | MEDIUM (https://medium.com/lendledger) | TWITTER (https://twitter.com/lendledger)


Introducing: LENDLEDGER the Future of Lending

Lenders in emerging markets struggle to make loans to small businesses and informal sector borrowers, because they typically have no credit history or traditional financial documentation. LendLedger solves this information gap using open APIs, Stellar blockchain technology, and the LOAN digital asset. The LendLedger network connects lenders with unleveraged digital data, and records all lending market transactions, introducing transparency, trust, and efficiency.

We envision a lending market that is inclusive and profitable for all participants.



https://i.imgur.com/xDc4wYe.jpg (https://bitcointalk.org/index.php?topic=4704216.0)




THE PROBLEM


The future of lending is in the informal sector, which accounts for as much as 90% of employment and 50% of enterprises in many countries. However, the lack of data on those Borrowers makes it difficult for Lenders to properly evaluate them. To enable the flow of the desired data and open up the lending market, a solution must address 3 primary issues:

Problem One
Lenders lack an affordable way to evaluate informal sector Borrowers.
Lenders that want to pursue informal sector loans are discouraged by expensive loan origination methods. Lenders need affordable and reliable alternatives to evaluate this untapped market of Borrowers.

Problem Two
Valuable user data exists, but is inaccessible for credit evaluation.
Lenders want the shop owner’s borrowing business, which would give both parties a profitable outcome. But without a reliable way for Lenders to evaluate unconventional financial data, the shop owner’s borrowing options are extremely limited.

Problem Three
Data-sharing partnerships between DPs and Lenders form slowly, one by one.
This method of sharing data will not scale globally. Although many Lenders and DPs understand the value of partnering, the current path there is too cumbersome to impact the lending market as a whole.


______________________________________________________________________________



Download our Project Overview now. (http://lendledger.io/images/LendLedger-Overview-Optimized.pdf)


THE OPPORTUNITY

LendLedger uses distributed ledger tech to create a trustless, open lending network. A blockchain is particularly well-suited to create trust between participants who don’t know each other. Anytime a smart contract is executed on the blockchain, information is recorded to the public blockchain ledger. There’s no central administrator and no gatekeeping. Any information logged to a blockchain is public and permanent, keeping all participants accountable.

Connecting Lenders to digital financial data will help bridge the multi-trillion lending gap between institutional lending capital and informal Borrowers. LendLedger brings together Borrowers, Data Providers (DPs), and Lenders in an open and secure global ecosystem built on blockchain technology.

LendLedger is changing the face of lending for unserved segments. Our software for data providers and lenders has processed tens of millions of dollars in loan requests for hundreds of thousands of borrowers and resulted in $7 Million in loans to informal and small business borrowers in 400 cities across India.



______________________________________________________________________________


Get in touch as LendLedger makes markets across the world inclusive

Website: http://lendledger.io/
Medium: https://medium.com/lendledger
Telegram: https://t.me/lendledger

______________________________________________________________________________


New Content:

Explainer video
https://i.imgur.com/GTUzOYV.jpg (https://www.youtube.com/watch?v=6YiXND_M2qY)

We're excited to be reviewed by AltCoinDaily on their latest YouTube video.
https://i.imgur.com/ZCIOI18.jpg (https://www.youtube.com/watch?v=mXB8q-FHXvE)

ICO Alert Podcast #41 featuring LendLedger
https://i.imgur.com/yQzXzna.jpg (https://blog.icoalert.com/ico-alert-podcast-41-lendledger-c45952a7ac72)

https://i.imgur.com/WXQh8Pn.jpg (https://badcryptopodcast.com/2018/07/12/crypto-spotlight-37/)

https://i.imgur.com/7ZsQSBy.jpg (http://lendledger.io/images/LendLedger_TechPaper.pdf)

https://i.imgur.com/coPsNqi.jpg (https://medium.com/lendledger/lendledger-update-week-of-july-16-2018-512892babb0e)

https://i.imgur.com/JP5ywT1.jpg (https://medium.com/lendledger/all-about-loantokens-430d7321c38f)

https://i.imgur.com/jbicdod.jpg (http://lendledger.io/images/LendLedger-Overview-Optimized.pdf)

https://i.imgur.com/Y8WkHJK.jpg (https://medium.com/lendledger/lendledger-pre-sale-now-live-ecc91de84312)

https://i.imgur.com/jsruoTG.png (https://medium.com/lendledger/lendledger-community-experts-956038f061b7)

https://i.imgur.com/OzFy3lJ.png (https://medium.com/lendledger/community-expert-ben-lyon-co-founder-of-hover-and-kopo-kopo-c26e056429f2)

https://i.imgur.com/MmU9tGR.jpg (https://medium.com/lendledger/community-expert-matteo-marinelli-ceo-of-maha-agriculture-microfinance-cc28310c40c)

https://i.imgur.com/jOLKYwq.png (https://medium.com/lendledger/community-expert-ashish-desai-head-of-product-and-payments-at-aditya-birla-payments-bank-cbecff74d7b0)

https://i.imgur.com/wsS8hnQ.png (https://medium.com/lendledger/community-expert-akanksha-hazari-ceo-of-m-paani-f3987bc13679)

https://i.imgur.com/W3Zq0dh.jpg (https://medium.com/lendledger/lendledger-ceo-to-speak-at-blockchain-expo-amsterdam-june-27-28-2018-78d224aa97a6)


https://i.imgur.com/F7ejzVb.jpg (https://medium.com/lendledger/lendledger-ceo-to-speak-at-blockchain-expo-amsterdam-june-27-28-2018-78d224aa97a6)

https://i.imgur.com/Z5kMDDs.jpg (https://medium.com/lendledger/lendledger-from-happy-loans-to-happy-customers-62f419176555)






Title: Re: [ANN] LendLedger | Data-driven, Decentralized Lending 🌎Powered by Stellar
Post by: Lendledger on June 26, 2018, 02:27:13 PM
There are huge lending projects running already with a lot of funds under management. How are you going to bootstrap initial liquidity problems on your platform?

From Gautam Ivatury (co-founder/CEO):

@stas, thanks for the question. Sorry for the delayed reply.

Quick answer: our founding team also owns and runs a significant lending business in India ($30m in disbursements over coming 12 months, based on current volumes), which can cover initial lending volumes in that market as we demonstrate LendLedger there first. We expect to bring the Happy Loans lending on to the LendLedger rails in Q4.

In parallel, given our decades of experience running financial institutions in emerging markets, we’ve already begun pulling financial institutions and others onside. This includes recent evangelization with banks, microfinance organizations, and global industry-building bodies like the World Bank group and other impact investment / donor organizations. The community around LendLedger is growing. We’ll be making more announcements about this soon.

On a separate note, I assume that by “huge lending projects” you mean recent ICOs like Ripio, Bloom and others. (If you mean something else, please do correct me). I'd just point out that lending gaps for micro, small and medium businesses alone — I.e. the funds they need but aren’t able to borrow — are in the trillions of dollars. We need lots more work than the handful of recent ICOs. This credit gap affects a large % of the world’s population, so we should look for solutions within and beyond the crypto community.

We’ll have a blog post on the lending + crypto space on our blog shortly.


Title: Re: [ANN] LendLedger | Data-driven, Decentralized Lending 🌎Powered by Stellar
Post by: Lendledger on June 27, 2018, 03:45:17 PM
Reserved


Title: Re: [ANN] LendLedger | Data-driven, Decentralized Lending 🌎Powered by Stellar
Post by: Lendledger on June 27, 2018, 03:47:00 PM
Reserved


Title: Re: [ANN] LendLedger | Data-driven, Decentralized Lending 🌎Powered by Stellar
Post by: Lendledger on June 27, 2018, 03:50:02 PM
There are huge lending projects running already with a lot of funds under management. How are you going to bootstrap initial liquidity problems on your platform?

From Gautam Ivatury (co-founder/CEO):

@stas, thanks for the question. Sorry for the delayed reply.

Quick answer: our founding team also owns and runs a significant lending business in India ($30m in disbursements over coming 12 months, based on current volumes), which can cover initial lending volumes in that market as we demonstrate LendLedger there first. We expect to bring the Happy Loans lending on to the LendLedger rails in Q4.

In parallel, given our decades of experience running financial institutions in emerging markets, we’ve already begun pulling financial institutions and others onside. This includes recent evangelization with banks, microfinance organizations, and global industry-building bodies like the World Bank group and other impact investment / donor organizations. The community around LendLedger is growing. We’ll be making more announcements about this soon.

On a separate note, I assume that by “huge lending projects” you mean recent ICOs like Ripio, Bloom and others. (If you mean something else, please do correct me). I'd just point out that lending gaps for micro, small and medium businesses alone — I.e. the funds they need but aren’t able to borrow — are in the trillions of dollars. We need lots more work than the handful of recent ICOs. This credit gap affects a large % of the world’s population, so we should look for solutions within and beyond the crypto community.

We’ll have a blog post on the lending + crypto space on our blog shortly.

That sounds promising and will probably help you get started very well. Will the concentration be on emerging markets in the beginning?

Hi @stas, good question. The short answer is yes and this is for two main reasons. First, the lending business our founders previously set up in India,  Happy Loans (link to www.happyness.net) will be the first to onboard onto the platform. In the past year Happy Loans have disbursed $8+ mil to 15,000+small businesses. Second, emerging markets are where the largest unmet demand is. Of the 1.7 billion without access to institutional finance nearly half live in the seven developing economies of India, Bangladesh, China, Indonesia, Mexico, Nigeria and Pakistan.

However that isn’t to say that we’re restricting the LendLedger platform to the developing world. We think LendLedger could be useful to lending markets everywhere.


Title: Re: [ANN] LendLedger | Data-driven, Decentralized Lending 🌎Powered by Stellar
Post by: Lendledger on June 27, 2018, 03:56:51 PM
The LendLedger Project Overview is now ready to download. Join us.

https://i.imgur.com/jbicdod.jpg (http://lendledger.io/images/LendLedger-Overview-Optimized.pdf)


Title: Re: [ANN] LendLedger | Data-driven, Decentralized Lending 🌎Powered by Stellar
Post by: Emileetran on June 28, 2018, 03:26:25 AM
How can I ensure all of your advisors are real? not just pictures on the website?
How exactly advisors will be helpful for u?


Title: Re: [ANN] LendLedger | Data-driven, Decentralized Lending 🌎Powered by Stellar
Post by: mancingers on June 28, 2018, 03:33:01 AM
your project is interesting and I think this is a good project for the investors. but many projects are similar in the market. I hope with the innovation and strategy of the team will be effective in getting investors to support your project.


Title: Re: [ANN] LendLedger | Data-driven, Decentralized Lending 🌎Powered by Stellar
Post by: Lendledger on June 29, 2018, 08:39:28 PM

How can I ensure all of your advisors are real? not just pictures on the website?
How exactly advisors will be helpful for u?

Hi @Emileetran great question, we’re aware of how many fake ICO’s have been springing up over the past year so we appreciate your concern.

Gautam Ivatury, our co-founder, has a unique connection to each of the advisors, so it’s quite simple to establish that they’re real.

Gautam established and managed the Technology program at CGAP (http://www.cgap.org/about/people/gautam-ivatury). Our advisor Ignacio Mas was a colleague of his there before helping to lead the Gates Foundation’s efforts in financial inclusion.

Gautam also co-founded Signal Point Partners (https://www.signalpointpartners.com), alongside Nick Hughes. Gautam and Nick got to know each other while Gautam was at CGAP and Nick was developing the M-PESA mobile payment service at Vodafone.

Finally, Alberto Jimenez and Gautam have known each other since Alberto played an earlier role at IBM developing solutions for financial institutions in emerging markets. They even served on a panel together in 2008 at NYU called ‘‘The Role of Technology in Expanding Access to Finance” (https://sites.google.com/site/nyumicrofinanceinitiative/events).

Each advisor has had a long career in financial services in emerging and developed markets, at large banks, telecom companies and technology players (IBM, Citibank, Vodafone, etc) as well as experience funding and starting up innovative ventures. They’ve been invaluable in validating and challenging our thinking as we’ve designed and soon start to expand LendLedger in multiple markets.


Title: Re: [ANN] LendLedger | Data-driven, Decentralized Lending 🌎Powered by Stellar
Post by: Lendledger on July 02, 2018, 04:34:41 PM
Review our Technical Paper, now available -

https://i.imgur.com/7ZsQSBy.jpg (http://lendledger.io/images/LendLedger_TechPaper.pdf)


Title: Re: [ANN] LendLedger | Data-driven, Decentralized Lending 🌎Powered by Stellar
Post by: Lendledger on July 02, 2018, 04:36:58 PM
Ok that's all interesting to know! I hope you'll stand out from most of the other shady blockchain lending platforms in a positive way ;)

Honestly, we appreciate that so much! We'd love to have you join us on Telegram: www.t.me/LendLedger


Title: Re: [ANN] LendLedger | Data-driven, Decentralized Lending 🌎Powered by Stellar
Post by: konstant111 on July 02, 2018, 04:55:00 PM
It's interesting, I like it, but how will I know that the lender and the borrower is a real person and not a fraud for both this and that party?


Title: Re: [ANN] LendLedger | Data-driven, Decentralized Lending 🌎Powered by Stellar
Post by: SportsCastr on July 03, 2018, 08:52:58 PM
Reserve


Title: Re: [ANN] LendLedger | Data-driven, Decentralized Lending 🌎Powered by Stellar
Post by: Lendledger on July 03, 2018, 09:53:07 PM
It's interesting, I like it, but how will I know that the lender and the borrower is a real person and not a fraud for both this and that party?

Hi konstant111, thanks for your question.

Regarding lenders:

Any Lender who wants to participate in the LendLedger network must first register with a Credit Node and provide proof of its lending authorization (i.e. a license). The Credit Node certifies the Lender and shares this certification with other Credit Nodes. They only issue LedgerCredits to Lenders that have been certified.

As for Borrowers, each Lender will specify an ID verification process (i.e. ID Verifiers) that meets their internal requirements, as well as the legal standards for their jurisdiction. This is not a new process or issue for Lenders - it is already a regular part of how their business operates.

If you want to learn more, join us on Telegram! www.t.me/LendLedger


Title: Re: [ANN] LendLedger | Data-driven, Decentralized Lending 🌎Powered by Stellar
Post by: Lendledger on July 05, 2018, 05:28:58 AM
Introducing LendLedger Community Experts. Learn more, tap/click the image below.

https://i.imgur.com/jsruoTG.png (https://medium.com/lendledger/lendledger-community-experts-956038f061b7)


Title: Re: [ANN] LendLedger | Data-driven, Decentralized Lending 🌎Powered by Stellar
Post by: SportsCastr on July 05, 2018, 07:55:10 PM
Reserve


Title: Re: [ANN] LendLedger | Data-driven, Decentralized Lending 🌎Powered by Stellar
Post by: Lendledger on July 05, 2018, 07:56:59 PM
In case you missed it -

Introducing LendLedger Community Experts. Learn more, tap/click the image below.

https://i.imgur.com/jsruoTG.png (https://medium.com/lendledger/lendledger-community-experts-956038f061b7)


And we'd like to introduce you to our first named LendLedger Community Expert, Akanksha Hazari, CEO of m.Paani:

https://i.imgur.com/wsS8hnQ.png (https://medium.com/lendledger/community-expert-akanksha-hazari-ceo-of-m-paani-f3987bc13679)


Title: Re: [ANN] LendLedger | Data-driven, Decentralized Lending 🌎Powered by Stellar
Post by: Na xter on July 05, 2018, 08:05:31 PM
Amazing opportunity, great and very interesting project, good luck


Title: Re: [ANN] LendLedger | Data-driven, Decentralized Lending 🌎Powered by Stellar
Post by: Lendledger on July 09, 2018, 11:05:34 PM
Find out more about our Pre-Sale, now live -

https://i.imgur.com/Y8WkHJK.jpg (https://medium.com/lendledger/lendledger-pre-sale-now-live-ecc91de84312)


Title: Re: [ANN] LendLedger | Data-driven, Decentralized Lending 🌎Powered by Stellar
Post by: vill34 on July 09, 2018, 11:09:18 PM
If you are a offocial regestrated buisness, you dont need credit history, cause your documents are ok and real, and office adres to.


Title: Re: [ANN] LendLedger | Data-driven, Decentralized Lending 🌎Powered by Stellar
Post by: Namita on July 12, 2018, 04:10:54 AM
I think that this project has future and soon we will be able to use its capabilities that it provides us.                             


Title: Re: [ANN] LendLedger | Data-driven, Decentralized Lending 🌎Powered by Stellar
Post by: Lendledger on July 12, 2018, 04:42:18 PM
We're so excited to have joined the Bad Crypto Podcast. Listen to our episode below as we discuss Stellar and the trillion dollar global lending gap.

https://i.imgur.com/WXQh8Pn.jpg (https://badcryptopodcast.com/2018/07/12/crypto-spotlight-37/)


Title: Re: [ANN] LendLedger | Data-driven, Decentralized Lending 🌎Powered by Stellar
Post by: Nggedebus on July 12, 2018, 05:03:02 PM
Still having vague idea on this lending concept.
If in regular currency, when we borrow something, we have to leave our assets to the lender as the guaranty.
So what about in this LendLedger, does it has that different concept?


Title: Re: [ANN] LendLedger | Data-driven, Decentralized Lending 🌎Powered by Stellar
Post by: Bertram89 on July 12, 2018, 06:06:31 PM
And what to expect, the blockchain is now an advanced technology. And if you apply it in the right place, the result will be big and good.


Title: Re: [ANN] LendLedger | Data-driven, Decentralized Lending 🌎Powered by Stellar
Post by: Lendledger on July 12, 2018, 06:43:36 PM
Still having vague idea on this lending concept.
If in regular currency, when we borrow something, we have to leave our assets to the lender as the guaranty.
So what about in this LendLedger, does it has that different concept?


Hi Nggedebus. If we understand correctly, you're inquiring about collateral. Our protocol can work for any kind of lending, but the major problem for millions of small businesses is that they don’t have collateral. So they need unsecured loans (like credit cards) where the lender relies a lot more on data to make a decision. LendLedger could also work for collateralized loans but that’s something the community will likely help build / grow with partnerships over time.


Title: Re: [ANN] LendLedger | Data-driven, Decentralized Lending 🌎Powered by Stellar
Post by: Lendledger on July 16, 2018, 09:59:08 PM
[CLICK] Introducing our newest Community Expert:

https://i.imgur.com/OzFy3lJ.png (https://medium.com/lendledger/community-expert-ben-lyon-co-founder-of-hover-and-kopo-kopo-c26e056429f2)


Title: Re: [ANN] LendLedger | Data-driven, Decentralized Lending 🌎Powered by Stellar
Post by: Lendledger on July 17, 2018, 06:57:35 PM
Dive deep into our token mechanics in our latest blog post (tap below).

https://i.imgur.com/JP5ywT1.jpg (https://medium.com/lendledger/all-about-loantokens-430d7321c38f)

Any questions? Please ask.


Title: Re: [ANN] LendLedger | Data-driven, Decentralized Lending 🌎Powered by Stellar
Post by: Kitty.Tanya on July 19, 2018, 09:18:15 AM
How is the private sale going? And what is your softcap for this stage?


Title: Re: [ANN] LendLedger | Data-driven, Decentralized Lending 🌎Powered by Stellar
Post by: Borislav12 on July 19, 2018, 09:56:24 AM
The project is very interesting. In deed, there are many small biz companies seeking for a loan and they can't get it


Title: Re: [ANN] LendLedger | Data-driven, Decentralized Lending 🌎Powered by Stellar
Post by: Point.cash on July 19, 2018, 10:35:40 AM
Still having vague idea on this lending concept.
If in regular currency, when we borrow something, we have to leave our assets to the lender as the guaranty.
So what about in this LendLedger, does it has that different concept?

Same question! You need some kind of a guarantee.


Title: Re: [ANN] LendLedger | Data-driven, Decentralized Lending 🌎Powered by Stellar
Post by: Vladik24 on July 19, 2018, 10:37:36 AM
Impressive, seriously. What documents you will require to give someone a loan?


Title: Re: [ANN] LendLedger | Data-driven, Decentralized Lending 🌎Powered by Stellar
Post by: CryptoChanel on July 19, 2018, 10:54:45 AM
How does LendLedger differentiate itself from ETHLend, except being based on a different platform (Stellar ) of course? I find it intriguing that it is based on Stellar, but I'd need more information on the exact mechanisms.


Title: Re: [ANN] LendLedger | Data-driven, Decentralized Lending 🌎Powered by Stellar
Post by: Pasha.ru on July 19, 2018, 11:14:38 AM
I never thought there was such a gap! Trillion dollar is a world wide gap?


Title: Re: [ANN] LendLedger | Data-driven, Decentralized Lending 🌎Powered by Stellar
Post by: rozy_cash on July 19, 2018, 11:52:25 AM
And what to expect, the blockchain is now an advanced technology. And if you apply it in the right place, the result will be big and good.


If the project will be developed well, it can be very successful. And the market, in general, will benefit, for sure.


Title: Re: [ANN] LendLedger | Data-driven, Decentralized Lending 🌎Powered by Stellar
Post by: grossmasterk on July 19, 2018, 12:03:08 PM
What kind of informal borrowers you'll work with?


Title: Re: [ANN] LendLedger | Data-driven, Decentralized Lending 🌎Powered by Stellar
Post by: kolonel_x on July 19, 2018, 12:08:00 PM
there are still people who make ico project that carries the concept of lending, whereas coin with the concept of lending is now rarely demand because prone scam


Title: Re: [ANN] LendLedger | Data-driven, Decentralized Lending 🌎Powered by Stellar
Post by: ZazaCash on July 19, 2018, 12:32:31 PM
We're so excited to have joined the Bad Crypto Podcast. Listen to our episode below as we discuss Stellar and the trillion dollar global lending gap.

https://i.imgur.com/WXQh8Pn.jpg (https://badcryptopodcast.com/2018/07/12/crypto-spotlight-37/)

Great news  ;)


Title: Re: [ANN] LendLedger | Data-driven, Decentralized Lending 🌎Powered by Stellar
Post by: NEQATIF on July 19, 2018, 12:42:51 PM
That's all good. But banks need all those docs for a reason. They need to return their money.


Title: Re: [ANN] LendLedger | Data-driven, Decentralized Lending 🌎Powered by Stellar
Post by: bluberry7 on July 19, 2018, 01:24:27 PM
Hope that you will succeed. Many people need those loans. And the economy may rise significantly


Title: Re: [ANN] LendLedger | Data-driven, Decentralized Lending 🌎Powered by Stellar
Post by: jaseno76 on July 19, 2018, 01:53:04 PM
can immediately believe in a loan without open lending network, is there any special conditions for the borrower? I have not understood


Title: Re: [ANN] LendLedger | Data-driven, Decentralized Lending 🌎Powered by Stellar
Post by: MrGenry on July 19, 2018, 02:10:42 PM
Didn't quite get about the Stellar, can you explain in a few words?


Title: Re: [ANN] LendLedger | Data-driven, Decentralized Lending 🌎Powered by Stellar
Post by: Jia Ang on July 19, 2018, 02:45:01 PM
Transparency and trust don't necessarily guarantee profits.


Title: Re: [ANN] LendLedger | Data-driven, Decentralized Lending 🌎Powered by Stellar
Post by: Enjoy.87 on July 19, 2018, 03:32:09 PM
When the platform launch?


Title: Re: [ANN] LendLedger | Data-driven, Decentralized Lending 🌎Powered by Stellar
Post by: SubjectSpirit on July 19, 2018, 04:13:40 PM
What's the loan limit for informal sector?


Title: Re: [ANN] LendLedger | Data-driven, Decentralized Lending 🌎Powered by Stellar
Post by: rahu0831 on July 19, 2018, 04:15:41 PM
Sorry if this question has been answered already, how is the project different from platforms like ETHLEND?


Title: Re: [ANN] LendLedger | Data-driven, Decentralized Lending 🌎Powered by Stellar
Post by: DrearyUrbanite on July 19, 2018, 04:26:13 PM
there are still people who make ico project that carries the concept of lending, whereas coin with the concept of lending is now rarely demand because prone scam

That is why a serious project is needed which gets it right. That will reinforce trust in this business model and add an important part to the crypto ecosystem.


Title: Re: [ANN] LendLedger | Data-driven, Decentralized Lending 🌎Powered by Stellar
Post by: Khicneog on July 19, 2018, 04:43:41 PM
Is it going to be an ecosystem?


Title: Re: [ANN] LendLedger | Data-driven, Decentralized Lending 🌎Powered by Stellar
Post by: jamesmarkx on July 19, 2018, 04:56:00 PM
lending coins have no future now imo after bitconnect crashed.. many lending projects died after that so i dont think any one would want to put his fait let alone money in lending coins after that incident this get rich quick scheme just doesnt seem to work on top of that ive never been a big fan of stellar the guy behind it has a shady image related to mt.gox ripple etc


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: Zinger09 on July 19, 2018, 05:12:40 PM
You got to make sure there won't be any fraud. People need loans for everyone, but safety first.


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: VityalyaVik on July 19, 2018, 05:43:45 PM
You should engage the reputation parametres in the project if haven't already.


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: Tolik.co on July 19, 2018, 06:21:26 PM
Who's your target audience?


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: Ponchik34 on July 19, 2018, 06:55:55 PM
Can't understand what data has to be shared here between the lenders/borrowers.


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: Druzje on July 19, 2018, 07:21:35 PM
Good. What currencies accept on private sale?


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: Bluddefenderman on July 19, 2018, 07:47:34 PM
You're focusing only on Indian market?


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: braineridze on July 19, 2018, 08:21:43 PM
Centralized banking doesn't really work, glad that you have your ideas!


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: catterpillar1 on July 19, 2018, 08:50:56 PM
Do you need any bank license for the project?


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: Tim.Bet on July 19, 2018, 09:27:09 PM
I keep reading the WP, so far Lend Ledger looks promissing.


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: Kezan2 on July 19, 2018, 10:03:32 PM
What will be the token utility? It will be used to give the loans?


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: Oleg_93 on July 19, 2018, 10:30:30 PM
how much have you raised so far?


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: DrearyUrbanite on July 19, 2018, 10:57:36 PM
I keep reading the WP, so far Lend Ledger looks promissing.

Thanks for your info. Can you give several more provisional updates every time you read a few pages? thanks


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: Pasha.ru on July 19, 2018, 10:57:53 PM
I like your website. Very visual, describes the lending scheme very well!


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: BitByata on July 19, 2018, 11:27:55 PM
Please, add the team pictures! It adds a lot!


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: black coffe on July 20, 2018, 12:09:14 AM
Your Telegram community is growing! Great to see ;)


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: Danil_k on July 20, 2018, 12:16:57 AM
Do you plan to visit any conferences? It would help to meet funds representatives.


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: lanangejagat on July 20, 2018, 12:59:37 AM
How are you going to evaluate the informal sector?


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: Bit.Sonya on July 20, 2018, 01:33:23 AM
there are still people who make ico project that carries the concept of lending, whereas coin with the concept of lending is now rarely demand because prone scam
At least here there is a new idea for lending


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: icooker on July 20, 2018, 01:40:14 AM
this issue is relevant only for India?


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: Druzje on July 20, 2018, 02:12:02 AM
Transparency and trust don't necessarily guarantee profits.
A strong concept and good team do provide profits though  8)


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: Artem.dump on July 20, 2018, 02:22:52 AM
That is all very promissing. How do you evaluate the market volume for the informal credits?


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: icooker on July 20, 2018, 03:01:48 AM
I like your ideas a lot! If your project will succeed, the banking approach will change a lot!


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: NEQATIF on July 20, 2018, 03:40:55 AM
Hope that you will succeed. Many people need those loans. And the economy may rise significantly
Yes. This one can actually help to break the vice circle of poverty in some countries.


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: ZazaCash on July 20, 2018, 03:49:04 AM
What kind of digital services may become a proove to get a loan?


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: kipoel on July 20, 2018, 04:16:12 AM
This is an awesome concept, connecting the investors and the people or company that need a lending for their business to grow.
LendLedger giving a way to build trust for people that hasn't done a lending before


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: GTXman on July 20, 2018, 04:16:35 AM
Why the informal loans don't switch to the formal sector?


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: Kezan2 on July 20, 2018, 04:49:13 AM
What are the guarantees of the loans payback, if the borrower has no documents and is completely in the informal sector?


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: Egor_F on July 20, 2018, 05:33:21 AM
That's all good. But banks need all those docs for a reason. They need to return their money.

I suppose there can be another way to ensure the repayment. If so, those documents aren't needed as much.


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: Atlas Air on July 20, 2018, 05:35:58 AM
Do you plan to partner with some of the PoS system for easier data collection?


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: Oleg_93 on July 20, 2018, 06:10:32 AM
Very useful! As I see, many people will benefit from LendLedger.


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: eryKry on July 20, 2018, 06:45:22 AM
What kind of informal borrowers you'll work with?

I personally enjoyed the example from the WP about an Indian shop owner. It's a true story for many small business owners!  They are the target audience.


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: wegip on July 20, 2018, 06:59:49 AM
Only those who use Swipe can access a loan here??


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: raitsuk on July 20, 2018, 07:20:00 AM
A lending platform that keeping the personal data of the lender and borrower secured and private.
This is the best choice to keep and protect our safety intact.


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: Druzje on July 20, 2018, 07:25:20 AM
Who will ensure pay back?


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: Khicneog on July 20, 2018, 07:54:46 AM
Great website! Delivers the details very well.


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: Pasha.ru on July 20, 2018, 08:37:39 AM
What's your experience in the informal sector?


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: Anton_p on July 20, 2018, 09:19:18 AM
The informal loans are based on fear (or criminals) or on family relations.What will motivate the borrower to repay the loan in this scheme?


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: icooker on July 20, 2018, 10:02:53 AM
Are you going to build a whole ecosystem?


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: ZazaCash on July 20, 2018, 10:47:59 AM
Does the borrower need to be related to the cryptocurrency in advance? Have any history of transactions or purchase?


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: Onechel on July 20, 2018, 11:21:27 AM
Who can invest in this system, banks and funds? Or private individuals?


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: Enjoy.87 on July 20, 2018, 11:52:31 AM
Not every shop owner uses electronic solutions for business. For example, I buy produce from a local shop who don't have any alternative to cash payment. Would you give them a loan to expand?


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: rozy_cash on July 20, 2018, 12:25:05 PM
What's the credit terms?


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: GTXman on July 20, 2018, 01:40:52 PM
What a person has to own or do to get the first loan if he has no documents for that?


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: eryKry on July 20, 2018, 02:09:57 PM
I believe that this project deserves attention. Even if the ideas seem to good to be true.


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: Victory21 on July 20, 2018, 02:54:36 PM
Where are you based? NY, really? Isn't the best place to start an ICO.


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: Bluddefenderman on July 20, 2018, 03:42:48 PM
How long the private sale will last?


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: Borislav12 on July 20, 2018, 04:10:18 PM
By the way, what experience you have in the financial sector?


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: Lendledger on July 20, 2018, 04:12:07 PM
Please, add the team pictures! It adds a lot!

Will do! Thank you for your tip.


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: Lendledger on July 20, 2018, 04:16:32 PM
By the way, what experience you have in the financial sector?

Thank you for your question @Borislav12.

Bumped from an earlier answer:

Our founding team also owns and runs a significant lending business in India ($30m in disbursements over coming 12 months, based on current volumes), which can cover initial lending volumes in that market as we demonstrate LendLedger there first. We expect to bring the Happy Loans lending on to the LendLedger rails in Q4.

In parallel, given our decades of experience running financial institutions in emerging markets, we’ve already begun pulling financial institutions and others onside. This includes recent evangelization with banks, microfinance organizations, and global industry-building bodies like the World Bank group and other impact investment / donor organizations. The community around LendLedger is growing. Check out our Medium to see more about Community Experts. www.medium.com/LendLedger


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: Lendledger on July 20, 2018, 04:42:19 PM
What kind of digital services may become a proove to get a loan?

Hi ZazaCash. We have defined APIs that allow data providers like payment gateways and networks (e.g. Stripe, Square and their equivalents around the world) to share their data with their users and lenders as a basis for lending. However, some of our partnership discussions are with parties who have APIs for asset-backed and other types of loans. So expect to see LendLedger eventually go beyond powering only data-driven, unsecured loans.


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: nistra on July 20, 2018, 04:47:55 PM
 I have two questions, what you gonna do with unsold token? Are you will be on top exchanges? thank you very much


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: Margary on July 20, 2018, 04:49:26 PM
By the way, what experience you have in the financial sector?
I read that the team has a fairly large experience in its sector, since it was engaged in financial affairs in many years ago, I think that we can rely on such people because they are responsible for their obligations


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: Victory21 on July 20, 2018, 04:56:21 PM
If you team up or partner with online payment solutions for small business, it may be quite beneficial for the project


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: Herocrypto on July 20, 2018, 05:41:56 PM
"trillion-dollar credit gaps" - that's huge. Where did you get those numbers? ;)


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: poiseulle on July 20, 2018, 05:44:44 PM
SALT is the big project running already with big funds under management and many users, what is the edge of yours


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: Kezan2 on July 20, 2018, 05:45:25 PM
That's very interesting. Do you have any prototype or an MVP ready?


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: Lendledger on July 20, 2018, 05:55:41 PM
That's very interesting. Do you have any prototype or an MVP ready?

Thanks for asking. LendLedger APIs are already being used by Happy Loans in India at a pace of $30m in the coming 12 months. We consider this v0.1 of LendLedger. It’s currently centralized but connects data providers, lenders and borrowers via API.


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: Lendledger on July 20, 2018, 05:57:52 PM
SALT is the big project running already with big funds under management and many users, what is the edge of yours

Thank you so much for your question. Lending gaps for micro, small and medium businesses alone — i.e. the funds that small business owners globally need but aren’t able to borrow — are in the trillions of dollars. We need lots more work than the handful of recent ICOs, and even more than SALT or ETHLend. This credit gap affects a large % of the world’s population, so we should look for solutions within and beyond the crypto community.


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: Lendledger on July 20, 2018, 05:59:05 PM
It is more Valuable Bounty thanks for it :)

Appreciate your patience. Here is our official bounty campaign:

https://i.imgur.com/xDc4wYe.jpg (https://bitcointalk.org/index.php?topic=4704216.0)


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: BALUPUM88 on July 20, 2018, 06:32:35 PM
I suppose there will be a huge demand on this loans. The only issue is the difficulty to collect the pay back.


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: RannyGG on July 20, 2018, 06:58:17 PM
Many lending projects are very successful in the beginning. The hard thing is to keep the profitability in the long run. If you get it covered, it will be perfect.


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: Herocrypto on July 20, 2018, 07:25:05 PM
Your example from the website is for India. What other countries you focus on?


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: Gashakarr on July 20, 2018, 08:02:54 PM
Better make a couple more stories for the WP, so that more investors could relate.


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: NEQATIF on July 20, 2018, 08:34:12 PM
The informal loans are based on fear (or criminals) or on family relations.What will motivate the borrower to repay the loan in this scheme?
They tell that blockchain itself has solutions for trust


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: kolyn on July 20, 2018, 08:44:14 PM
The  fact you're using Stellar protocol is amazing!


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: ZazaCash on July 20, 2018, 08:51:02 PM
What kind of data providers can join the project?


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: NEQATIF on July 20, 2018, 09:39:53 PM
Don't know about the small business, individuals have problems for getting a loan as well. Will you provide loans for them too?


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: kolyn on July 20, 2018, 10:25:34 PM
Centralized banking doesn't really work, glad that you have your ideas!

Anyway, banks work this way for a reason. You got to create the whole ecosystem and promote it to the international use to change the things.


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: book.me on July 20, 2018, 10:29:02 PM
There are too many closed systems in blockchain. LendLedger will be one of them? Or you will manage to create a solution to easily integrate with other projects, related to lending?


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: Egor_F on July 20, 2018, 11:16:40 PM
What's the token utility? It is only to give as a loan?


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: M@$ter Bit on July 21, 2018, 12:05:30 AM
Do you need any bank license for the project?
anyone can basically give money to another person. Bank license isn't so necessary in crypto market


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: Anton_p on July 21, 2018, 12:07:29 AM
The ICO already going?


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: Timur.brnd on July 21, 2018, 12:35:58 AM
Another fintech? At least has a new approach. Let's see how it goes.


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: yugyug on July 21, 2018, 12:41:40 AM
The purpose of this project are clearly explained in details with reasonable facts. Really promising, hoping this project takes off soon enough and achieve the aim of reaching the zenith. Great project and idea, I sincerely wish you good luck and success. I am glad that this project brings such a revolution. When the world develops, things get better.It is interesting to observe and be a part of such projects!


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: greenBEryin on July 21, 2018, 01:24:23 AM
Where can I test the L-Data and L-Lend software?


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: Oleg.Cheburek on July 21, 2018, 02:07:22 AM
Glad to see professional advizors! https://medium.com/lendledger/community-expert-ben-lyon-co-founder-of-hover-and-kopo-kopo-c26e056429f2


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: Oleg_93 on July 21, 2018, 02:34:19 AM
this issue is relevant only for India?
Of course not


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: woodywoodf on July 21, 2018, 02:50:48 AM
For me, the most important part here is that LendLedger has interesting options for every side in the lending process.


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: CEOKEY on July 21, 2018, 02:59:19 AM
LENDLEDGER is a project that can provide opportunities for small businesses with no credit history or traditional financial documents to borrow. Securing loans will enable LendLedger to "connect lenders with unregulated digital data and record all loan transactions" based on Blockchain technology. The basis and method of problem solving of the project made me feel very convincing!


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: NEQATIF on July 21, 2018, 03:30:39 AM
When will you be able to provide the first loans?


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: Den.3354 on July 21, 2018, 04:05:46 AM
This is an awesome concept, connecting the investors and the people or company that need a lending for their business to grow.
LendLedger giving a way to build trust for people that hasn't done a lending before

What will be the interest rate here? Since there are high risks of not getting the payment, it must be rather high.


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: faspik4 on July 21, 2018, 04:12:05 AM
How are you implementing the Stellar protocol?


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: VityalyaVik on July 21, 2018, 04:41:51 AM
Getting an alternative financial history is very smart.


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: RannyGG on July 21, 2018, 05:26:31 AM
Why the informal loans don't switch to the formal sector?

That's a totally different market. Often people either don't want to or can't switch between them.


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: Khicneog on July 21, 2018, 05:29:52 AM
What are the basic requirements to become a lender in the system?


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: Ilya.miy on July 21, 2018, 05:58:28 AM
Since you focus on giving money to those who need it and is able to pay back, it definitely may work just fine.


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: Silly Dog on July 21, 2018, 06:26:06 AM
How are you going to connect the agents in the system?


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: Global Progression on July 21, 2018, 06:59:59 AM
I'd like o see the alpha version or smth before investing


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: Julia26 on July 21, 2018, 07:31:06 AM
LendLedger Protocol is based on Stellar?


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: Vladik24 on July 21, 2018, 08:15:22 AM
Who will become the lenders?


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: Danil_k on July 21, 2018, 08:44:57 AM
LendLedger looks interesting. Although the concept is challenging, it has a chance to success. Many people from informal sector are related to crypto and will be willing to take a loan and pay it back later.


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: Kezan2 on July 21, 2018, 09:33:35 AM
What information is shared between the system members?


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: Oleg_93 on July 21, 2018, 09:59:51 AM
Great to see new ideas for the lending business. Usually projects just copycut the same ideas. Here it is different. Good luck!


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: wegip on July 21, 2018, 10:44:38 AM
How do you form the credit nodes?


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: Victory21 on July 21, 2018, 11:10:54 AM
Maybe you got to start a bounty now? Or at least a ref program.


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: Kirill1322 on July 21, 2018, 11:48:12 AM
Data exchange using the Stellar protocol will work great here.


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: Leo.eth on July 21, 2018, 12:23:39 PM
I need more information about the data providers. Do you have a limited list of servises you deal with?


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: Danil_k on July 21, 2018, 01:07:06 PM
how much time will it take for a borrower to get a loan?


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: Kitty.Tanya on July 21, 2018, 01:52:26 PM
Devs, I seriously recommend you to add a one-pager to the website


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: Aeotx on July 21, 2018, 01:59:31 PM
The problems that was written I realistic and can be face as truth and reliable. But do you have bounty campaign as well?  I wish to participate for that in the future.


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: Khicneog on July 21, 2018, 02:36:53 PM
By the look at the website and the WP, the project is quite professional. If done well it will thrive!


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: Pieangel on July 21, 2018, 02:41:11 PM
Amazing what is presented in this project by lending it to others to form the venture, I think this would be a great project and many will turn to be joined here.


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: bluberry7 on July 21, 2018, 03:15:27 PM
Who will be an escrow for lending?


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: Marat.Saf on July 21, 2018, 03:52:41 PM
The world economy is ruled by giant corporate companies. Diversification and helping the small business will be beneficial for many of us.


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: asdug on July 21, 2018, 04:28:43 PM
How the repayment is done in the system? That is the most important question as I see it.


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: bluberry7 on July 21, 2018, 04:55:46 PM
The loan is given in tokens or in currency?


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: piknik.ob on July 21, 2018, 05:21:59 PM
What's you plan to keep the LOAN token price growing?


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: Druzje on July 21, 2018, 06:01:12 PM
If the loans are given in tokens, the demand will be stable or even growing.


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: Valya_87 on July 22, 2018, 03:09:31 AM
Can't see a reason why not to invest in LendLedger. Seriously. It's no worse than other lending projects. And here they offer a loan for the sector that doesn't have many alternatives after all.


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: book.me on July 22, 2018, 03:38:14 AM
The loans market is in bad conditin now. So making a new offer for informal (and basically for formal as well) economy is well-timed!


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: GTXman on July 22, 2018, 04:26:04 AM
Are you looking for big investors now? Any special min contribution size?


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: Global Progression on July 22, 2018, 04:54:02 AM
Why the informal loans don't switch to the formal sector?

That's a totally different market. Often people either don't want to or can't switch between them.

The countries they focus on really struggle with the difficulties of switching between the sectors. Let's see if LendLedger can solve it.


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: Poy.Jon on July 22, 2018, 05:07:56 AM
I've seen info about airdrop in Telegram group, is it still on?


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: tidtpro333 on July 22, 2018, 05:09:06 AM
So making a new offer for informa. It's no worse than other lending projects. And here they offer a loan for the sector


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: asdug on July 22, 2018, 05:51:36 AM
Admin, where is the bounty thread?


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: asdug on July 22, 2018, 06:21:24 AM
LendLedger is definitely very interesting, but I'd like to see more action from the team members! Being present in the community is very important. Especially at the early stages.


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: lanangejagat on July 22, 2018, 06:52:41 AM
Where are you based? The examples from India are very vivid, are you from there?


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: wegip on July 22, 2018, 07:31:31 AM
LendLedger looks interesting. Although the concept is challenging, it has a chance to success. Many people from informal sector are related to crypto and will be willing to take a loan and pay it back later.

That is arguable. Not every shop owner is using mobile payment or any other electronic services. Crypto is still very new, few people use it on a daily basis.


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: ManesenciLee on July 22, 2018, 07:33:30 AM
You TG group seems growing, that's a great sign!


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: BitByata on July 22, 2018, 07:57:05 AM
How many tokens you are going to airdrop per user?


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: frcat on July 22, 2018, 08:03:44 AM
Tokens here building on Stellar blockchain or Ethereum? Lending will be in your tokens or in other crypto-currencies and fiat?


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: Vladik24 on July 22, 2018, 08:19:40 AM
Great to see new ideas for the lending business. Usually projects just copycut the same ideas. Here it is different. Good luck!

Yep, new ideas are very appreciated  ;D


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: wegip on July 22, 2018, 08:28:09 AM
Who wanted the airdrop? Here it is: @LendLedgerAirdropbot


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: Enjoy.87 on July 22, 2018, 08:57:41 AM
The airdrop is ok, nothing special, but nice to have some extra tokens ;)


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: Misha.point on July 22, 2018, 08:59:53 AM
Maybe you got to start a bounty now? Or at least a ref program.

I thought you have a bounty. Don't you?


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: gorconec12 on July 22, 2018, 09:02:20 AM
How many referral points I can get in Airdrop?


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: Jia Ang on July 22, 2018, 09:25:00 AM
Your future clients are from small business and individuals from informal sector. What kind of marketing will you do?


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: braineridze on July 22, 2018, 09:44:17 AM
Amazing what is presented in this project by lending it to others to form the venture, I think this would be a great project and many will turn to be joined here.

How many investors joined the project?


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: Borya.st on July 22, 2018, 09:48:26 AM
Hope that the first round was a success and you will start the development asap!


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: book.me on July 22, 2018, 10:14:08 AM
There must be some parts developed already.


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: Tim.Bet on July 22, 2018, 10:42:30 AM
How are you going to start the lending process?


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: piknik.ob on July 22, 2018, 11:05:35 AM
Who will be an escrow for lending?
Why you need an escrow at all?


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: saimoooon on July 22, 2018, 11:12:41 AM
How many of your target audience are familiar with the crypto lending?


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: poiseulle on July 22, 2018, 03:12:38 PM
I suppose there will be a huge demand on this loans. The only issue is the difficulty to collect the pay back.

isn't it secured by smart contract. if cannot get pay back, who is going to use the loan platform


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: Lendledger on July 23, 2018, 02:30:14 PM
Where are you based? The examples from India are very vivid, are you from there?
Hi lanangejagat, thanks for your question. Yes - both of our co-founders are Indian and are currently running an Indian lending business called Happy Loans which has powered $9million+ of loans since its inception last year (http://happyness.net). LendLedger will take this good work and place it on a blockchain based network so it can expand the impact it's having in India onto the entire world!


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: Lendledger on July 23, 2018, 02:34:31 PM
LendLedger looks interesting. Although the concept is challenging, it has a chance to success. Many people from informal sector are related to crypto and will be willing to take a loan and pay it back later.

That is arguable. Not every shop owner is using mobile payment or any other electronic services. Crypto is still very new, few people use it on a daily basis.

In terms of your first issue - whilst some owners use cash, many many others accept mobile payments, or cards which go through credit swipe machines. We can utilize ALL this data to determine viability for a loan. In relation to your second concern - yes crypto certainly faces barriers to adoption, however with the LendLedger platform neither Lenders nor Borrowers have to deal in crypto. All loans are sent and received in fiat, the blockchain and the crypto used on it functions as 'plumbing' - it ensures everything is safe, smooth and transparent but is a behind the scenes operation.


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: Lendledger on July 23, 2018, 02:35:10 PM
You TG group seems growing, that's a great sign!

Thank you! We think so too!


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: Lendledger on July 23, 2018, 02:37:06 PM
How many of your target audience are familiar with the crypto lending?

Our target audience don't need to be familiar with crypto lending. That's part of the beauty of the LendLedger system. We recognize that there are still high barriers to adoption in terms of crypto as such on the LendLedger network both Lenders and Borrowers deal exclusively in fiat. We see the crypto as plumbing, the blockchain ensures transparency, safety and accountability but does not need to be seen or understood by those trying to make or receive loans.


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: Lendledger on July 23, 2018, 03:44:20 PM
Tokens here building on Stellar blockchain or Ethereum? Lending will be in your tokens or in other crypto-currencies and fiat?
Thanks for your question Frcat. Tokens are built on Stellar but Lenders and Borrowers will deal exclusively in fiat. We like to think of our tokens and blockchain base as part of the LendLedger plumbing - those making and receiving loans don't need to deal with it but it's what underlies the system and assures everything is seamless, safe and transparent.


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: Lendledger on July 23, 2018, 04:28:16 PM
I've seen info about airdrop in Telegram group, is it still on?
Yes!


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: Lendledger on July 23, 2018, 04:31:58 PM
how much time will it take for a borrower to get a loan?


Hi There, and thanks for the question!

Having a low-loan processing time was a big feature that we wanted to ensure with the LendLedger platform. This is actually why we decided to build on-top of Stellar, rather than Ethereum, for the extremely fast transaction times. With the available payment data from the Data Providers, accepting a Loan on LendLedger shouldn't take more than a few minutes. Everything is automated, so no actual humans are required to decide whether a loan should be given or not. After that, the remaining time needed is simply for the fiat to be bank-transferred.


Title: Re: [ANN] LendLedger | Data-driven, Decentralized Lending 🌎Powered by Stellar
Post by: Lendledger on July 23, 2018, 04:33:11 PM
I never thought there was such a gap! Trillion dollar is a world wide gap?
Yes! $2 trillion + https://www.weforum.org/agenda/2015/10/5-steps-to-closing-the-2-trillion-credit-gap/


Title: Re: [ANN] LendLedger | Data-driven, Decentralized Lending 🌎Powered by Stellar
Post by: Lendledger on July 23, 2018, 04:35:18 PM
What kind of informal borrowers you'll work with?
Hi grossmasterk great question. Informal borrowers with businesses who have the data necessary to show they could refinance loans. (e.g we could use a card swipe machine to show that borrowers are receiving sufficient income or mobile payment data to show they pay their bills on time)


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: Lendledger on July 23, 2018, 04:36:36 PM
How are you going to connect the agents in the system?

Hi Silly Dog!

Check out this article, and let me know if you need any more questions answered.

https://medium.com/lendledger/all-about-loantokens-430d7321c38f


Title: Re: [ANN] LendLedger | Data-driven, Decentralized Lending 🌎Powered by Stellar
Post by: Lendledger on July 23, 2018, 04:36:55 PM
That's all good. But banks need all those docs for a reason. They need to return their money.
We completely agree. But at LendLedger we believe that the data we extract is just as good as those traditional docs at telling if a borrower is reliable. There's a stringent approval process.We don't just give loans out to anyone!


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: Lendledger on July 23, 2018, 04:41:25 PM
You got to make sure there won't be any fraud. People need loans for everyone, but safety first.
Hi Zinger09 - we completely agree. Our use of blockchain, which is an immutable ledger, is one way we're planning to combat this. We have numerous checks and balances in place on the platform such as Identity Verifiers and Credit Evaluators.


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: Lendledger on July 23, 2018, 04:43:23 PM
Who's your target audience?

The 200 million+ Small, Medium Sized and Micro-Enterprises unable to get loans.


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: Lendledger on July 23, 2018, 04:46:02 PM
Can't understand what data has to be shared here between the lenders/borrowers.
Hi Ponchik34, so the data shared is the data which shows these borrowers are reliable. Credit card swipe data from their shops which show how many customers and how much revenue they bring in per week for example. And mobile payments which show that they pay their bills. All this type of information is taken into consideration for Lenders to decide whether to make a loan.


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: Lendledger on July 23, 2018, 04:49:40 PM
Do you plan to visit any conferences? It would help to meet funds representatives.
Yes! Of course - we just spoke at Blockchain expo Amsterdam https://medium.com/lendledger/lendledger-ceo-to-speak-at-blockchain-expo-amsterdam-june-27-28-2018-78d224aa97a6 and we have many more conference appearances in the pipeline. Follow us on Telegram https://t.me/lendledger or sign up in the "Join Us" section of our website http://lendledger.io to stay updated.


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: Lendledger on July 23, 2018, 04:50:48 PM
this issue is relevant only for India?
No! Globally there are 200 million + small, medium and micro-sized enterprises unable to get loans. https://www.weforum.org/agenda/2015/10/5-steps-to-closing-the-2-trillion-credit-gap/


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: Lendledger on July 23, 2018, 05:00:38 PM
What's your experience in the informal sector?
Hi Pasha.ru, great question. Our co-founder and CEO Gautam Ivatury has been an innovator in emerging market fintech since 2002,  with founding or CXO roles at SKS Microfinance, Gates Foundation-funded CGAP Technology Program, Signal Point Partners, Jipange Kusave, MeraDoctor, and ArthImpact. Similarly, our other co-founder Manish Khera was a founder or CEO at Fino PayTech, YTS, Airtel Payments Bank, and ArthImpact. As well as being a World Economic Forum Young Global Leader. We also have an amazing team and set of advisors and community experts who we believe really set us apart. For more info see our Team page http://www.lendledger.io/index.html#l2


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: icofit on July 23, 2018, 07:04:25 PM
are you gonna loan money to anyone who asks for it or is there gonna be a verification process too?


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: Lendledger on July 23, 2018, 10:06:19 PM
Check out our brand new explainer video, tap below

https://i.imgur.com/GTUzOYV.jpg (https://www.youtube.com/watch?v=6YiXND_M2qY)



Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: tippytoes on July 23, 2018, 10:28:27 PM
are you gonna loan money to anyone who asks for it or is there gonna be a verification process too?

I think, the answer is obvious here. Any project will not give the privilege that everyone who wants a loan can have it. There's always procedure to follow, or some sort of collateral. And so, not everyone will be eligible to have a loan. Otherwise, the platform will be bankrupt easily.


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: Lendledger on July 24, 2018, 09:08:59 AM
What kind of digital services may become a proove to get a loan?

Hi ZazaCash - everything from the data which can be extracted from a credit swipe machine to mobile payments!


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: Lendledger on July 24, 2018, 09:10:26 AM
Only those who use Swipe can access a loan here??
No! Swipe is just one example of a tool we can use to extract the data necessary to make loans. As more and more Data Providers enter the platform the sky's the limit for what can be used to ascertain a borrowers viability.


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: Lendledger on July 24, 2018, 09:12:02 AM
Who can invest in this system, banks and funds? Or private individuals?
All three - check our website (http://lendledger.io) and click 'Join Us' for details of the numerous token sales occurring over the coming months


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: Lendledger on July 24, 2018, 09:13:55 AM
Does the borrower need to be related to the cryptocurrency in advance? Have any history of transactions or purchase?
No. One of the unique characteristics of LendLedger is both borrowers and lenders can deal exclusively in fiat. We like to think of the blockchain and the crypto which accompanies it as 'plumbing'. It makes sure loans are safe, seamless and transparent but it can remain a behind the scenes feature - lowering barriers to adoption.


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: Lendledger on July 24, 2018, 09:15:19 AM
Where are you based? NY, really? Isn't the best place to start an ICO.
Our team is based in New York however our token sale is not open to UK, US or China individuals. Additionally we have a partner office in India and one of our co-founders is in India full-time.


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: Lendledger on July 24, 2018, 09:17:23 AM
How long the private sale will last?
Our presale round 1 has just closed however another presale round is expected to open shortly. Please follow us on telegram (https://t.me/lendledger) and place your email in the 'Join Us' section of your website (http://lendledger.io) to stay updated.


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: Lendledger on July 24, 2018, 09:19:18 AM
By the way, what experience you have in the financial sector?
Hi Borislav12 great question. Our co-founder Gautam Ivatury has been an innovator in emerging market fintech since 2002, with founding or CXO roles at SKS Microfinance, Gates Foundation-funded CGAP Technology Program, Signal Point Partners, Jipange Kusave, MeraDoctor, and ArthImpact. Similarly, our other co-founder Manish Khera was a founder or CEO at Fino PayTech, YTS, Airtel Payments Bank, and ArthImpact. As well as being a World Economic Forum Young Global Leader. Check out the 'Team' section on the LendLedger website (http://lendledger.io) for more info.


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: Lendledger on July 24, 2018, 09:21:04 AM
"trillion-dollar credit gaps" - that's huge. Where did you get those numbers? ;)
https://www.weforum.org/agenda/2015/10/5-steps-to-closing-the-2-trillion-credit-gap/!


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: Lendledger on July 24, 2018, 09:22:41 AM
Your example from the website is for India. What other countries you focus on?
LendLedger aims to be an open source global network. So anywhere in the world where there are small, medium and micro-sized enterprises unable to get a loan with traditional documentation weel be there to help.


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: Lendledger on July 24, 2018, 09:25:14 AM
The ICO already going?
The presale round 1 for our token sale just closed. To stay updated please enter your email in the 'Join Us' section of our website (lendledger.io) and join us on telegram (https://t.me/lendledger)


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: Lendledger on July 24, 2018, 09:29:32 AM
Maybe you got to start a bounty now? Or at least a ref program.

Our bounty campaign is already active - See here https://bitcointalk.org/index.php?topic=4704216.msg%msg_id% - Follow us on Telegram (https://t.me/lendledger) to participate and learn more.


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: Lendledger on July 24, 2018, 09:32:01 AM
The problems that was written I realistic and can be face as truth and reliable. But do you have bounty campaign as well?  I wish to participate for that in the future.
Thank you. Yes we do. See here and https://bitcointalk.org/index.php?topic=4704216.0 and follow us on Telegram https://t.me/lendledger to participate!


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: Lendledger on July 24, 2018, 04:16:41 PM
Are you looking for big investors now? Any special min contribution size?
Hi GTXman - we're looking for token buyers. If you're interested email hello@lendledger.io


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: Lendledger on July 24, 2018, 04:25:45 PM
I've seen info about airdrop in Telegram group, is it still on?
Yes! For more info see https://bitcointalk.org/index.php?topic=4704216.msg%msg_id%


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: Lendledger on July 24, 2018, 04:26:55 PM
Admin, where is the bounty thread?
Follow us on Telegram https://t.me/lendledger. Find the Bitcointalk thread here https://bitcointalk.org/index.php?topic=4704216.msg%msg_id%


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: Lendledger on July 24, 2018, 04:28:10 PM
LendLedger is definitely very interesting, but I'd like to see more action from the team members! Being present in the community is very important. Especially at the early stages.
Hi Asdug, we appreciate that but we're more active than you think! (LendLedger Communications Manager is writing this now!)


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: Lendledger on July 24, 2018, 04:29:29 PM
Maybe you got to start a bounty now? Or at least a ref program.

I thought you have a bounty. Don't you?

Yes we do! - https://bitcointalk.org/index.php?topic=4704216.msg%msg_id%


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: Lendledger on July 24, 2018, 04:32:24 PM
How many of your target audience are familiar with the crypto lending?

The beauty of LendLedger is that our target audience don't need to be familiar with crypto lending. Both Lenders and Borrows transact in fiat (local currency). We think of crypto as 'plumbing' - it ensures the seamless, safe and transparent loans which we provide but operates behind the scenes so to speak.


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: Lendledger on July 24, 2018, 04:34:54 PM
are you gonna loan money to anyone who asks for it or is there gonna be a verification process too?
Hi icofit - of course not! Whilst we don't require traditional documentation we still do intense checks on those requesting loans. We have both Credit Evaluators and Identity Verifiers as part of the LendLedger network. Take a look at our Technical Paper - https://lendledger.io/images/LendLedger_TechPaper.pdf?pdf=LendLedger%20Tech%20Paper to find out more.


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: Margary on July 24, 2018, 05:50:18 PM
it's really popular in indtstria. so I think people will actively use this chance, which will spill over into them. so you should be careful and follow this project


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: Lendledger on July 25, 2018, 03:53:14 PM
Read the newest LendLedger Weekly Update, just published.  

https://i.imgur.com/coPsNqi.jpg (https://medium.com/lendledger/lendledger-update-week-of-july-16-2018-512892babb0e)


Title: Re: [ANN] LendLedger | Data-driven, Decentralized Lending 🌎Powered by Stellar
Post by: CryptoChanel on July 26, 2018, 04:29:02 PM
Sorry if this question has been answered already, how is the project different from platforms like ETHLEND?

I have also put the same question, before you, but the team has not considered a good idea to answer to this quite crucial question. They have asked to other questions from other people, but not to this. Not a very good approach to ignore legitimate questions, IMHO.


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: Ndok88 on July 26, 2018, 05:07:50 PM
Great job lend ledger on stellar.


Title: Re: [ANN] LendLedger | Data-driven, Decentralized Lending 🌎Powered by Stellar
Post by: Lendledger on July 27, 2018, 03:09:59 PM
Sorry if this question has been answered already, how is the project different from platforms like ETHLEND?

I have also put the same question, before you, but the team has not considered a good idea to answer to this quite crucial question. They have asked to other questions from other people, but not to this. Not a very good approach to ignore legitimate questions, IMHO.

Hi rahu0831, CryptoChanel, let me begin by assuring you that we wouldn't neglect a question like this - our Bitcointalk admins try to answer everyone's questions in a timely manner but sometimes things take longer than expected. Now onto your question. We have a medium post (https://medium.com/lendledger) coming out shortly which will focus on running you through how LendLedger is different from a number of other platforms operating in the space (SALT, Ripio, Bloom and others) so stay tuned for that. For now in terms of ETHLEND our two main differentiators are that ETHLEND focuses on Peer to Peer Lending whilst our Lenders are institutional and that whilst ETHLEND lends in Crypto with LendLedger both Borrowers and Lenders transact in fiat. LendLedger likes to think of crypto as 'plumbing' - it gives us the security, ease and transparency we need but can remain behind the scenes. We believe that this lowers barriers to adoption in the type of markets we will begin to focus on. Additionally, our mission is to help the 200 million+ MSME's to get loans and we will begin with an emerging markets focus, this is not true of ETHLEND. Hope this answers your question.


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: 5thangel on July 28, 2018, 09:52:49 AM
Good, looks like another lending project, it is going to be some competition with other lending projects on the market. I already took a part in some lending icos before. ;)


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: Lendledger on July 29, 2018, 11:17:10 PM
Good, looks like another lending project, it is going to be some competition with other lending projects on the market. I already took a part in some lending icos before. ;)
Hi 5thangel - great to hear you're involved in lending ICO's there are so many fascinating players in the market. What we believe makes us special is our team of experts (both our co-founders have 25+ years of experience in the fintech sector), the fact that both lenders and borrowers can transact in fiat which lowers barriers to adoption and the fact we come from an already existing lending business (v.01 of the LendLedger protocol is already running and powering $30 million of loans annually)


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: Lendledger on July 30, 2018, 10:38:12 PM
ICO Alert Podcast #41 featuring LendLedger

https://i.imgur.com/yQzXzna.jpg (https://blog.icoalert.com/ico-alert-podcast-41-lendledger-c45952a7ac72)


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: princessjenyz on August 02, 2018, 12:43:12 AM
I can see that this is another great lending project. We all know lending is on trend nowadays because many small business owners needs to expand their businesses but they don't have enough budget to do that. That's why lending projects are very benefecial for them. My question is what makes Lendledger unique compared to other lending platforms?


Title: Re: [ANN] LendLedger | Data-driven, Decentralized Lending 🌎Powered by Stellar
Post by: CryptoChanel on August 03, 2018, 01:03:43 PM
Sorry if this question has been answered already, how is the project different from platforms like ETHLEND?

I have also put the same question, before you, but the team has not considered a good idea to answer to this quite crucial question. They have asked to other questions from other people, but not to this. Not a very good approach to ignore legitimate questions, IMHO.

Hi rahu0831, CryptoChanel, let me begin by assuring you that we wouldn't neglect a question like this - our Bitcointalk admins try to answer everyone's questions in a timely manner but sometimes things take longer than expected. Now onto your question. We have a medium post (https://medium.com/lendledger) coming out shortly which will focus on running you through how LendLedger is different from a number of other platforms operating in the space (SALT, Ripio, Bloom and others) so stay tuned for that. For now in terms of ETHLEND our two main differentiators are that ETHLEND focuses on Peer to Peer Lending whilst our Lenders are institutional and that whilst ETHLEND lends in Crypto with LendLedger both Borrowers and Lenders transact in fiat. LendLedger likes to think of crypto as 'plumbing' - it gives us the security, ease and transparency we need but can remain behind the scenes. We believe that this lowers barriers to adoption in the type of markets we will begin to focus on. Additionally, our mission is to help the 200 million+ MSME's to get loans and we will begin with an emerging markets focus, this is not true of ETHLEND. Hope this answers your question.

Yes, it does. In fact this is a truly excellent answer, which now will make me look deeper into your project. Thanks.


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: Lendledger on August 03, 2018, 09:10:54 PM
I can see that this is another great lending project. We all know lending is on trend nowadays because many small business owners needs to expand their businesses but they don't have enough budget to do that. That's why lending projects are very benefecial for them. My question is what makes Lendledger unique compared to other lending platforms?
Hi PrincessJenyz great question. We believe that LendLedger has three things that make us unique. As blockchain technology is incredibly novel most platforms have to build themselves from the ground up. LendLedger on the other hand derives from a preexisting lending business Happy Loans (https://happyness.net) which is already powering loans at a run rate of $30million per year using the same software the LendLedger platform will utilize when it's up and running. Secondly, we have an unparalleled team of expert advisors on board and the support of organizations such as the World Bank. What's more, we are constantly bringing on new thought-leaders in the form of our LendLedger Community Experts (https://medium.com/lendledger/lendledger-community-experts-956038f061b7). Finally, whilst many existing blockchain lending platforms send and receive loans in cryptocurrency, on the LendLedger platform both Lenders and Borrowers can transact in their own local currency. We like to think of crypto as the 'pipes' - it keeps the operation moving securely, seamlessly and transparently but remains behind the scenes. This substantially lowers barriers to adoption for crypto-sceptic markets.
Hope this answers your question!


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: jaksone on August 20, 2018, 04:28:22 AM
Are there plans to open an agent offline in developing countries for the implementation of the next program?of course with easier terms


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: bitdenail on August 20, 2018, 08:22:44 AM
LendLdger is a project that has been eagerly awaited by many people. Their project is very innovative, where LendLedger brings together Borrowers, Data Providers, and Lenders in an open and safe global ecosystem built on blockchain technology. Hopefully many investors will join this great project.


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: Lendledger on August 20, 2018, 06:26:41 PM
We're excited to be reviewed by AltCoinDaily on their latest YouTube video.

https://i.imgur.com/ZCIOI18.jpg (https://www.youtube.com/watch?v=mXB8q-FHXvE)


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: Lendledger on August 22, 2018, 08:54:24 PM
it's really popular in indtstria. so I think people will actively use this chance, which will spill over into them. so you should be careful and follow this project
Hi Margary. Thank you so much for your comment we really appreciate it. Join us at https://www.lendledger.io/index.html.


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: Cryptochel on August 29, 2018, 05:45:49 PM
The vision is to change the current scenario of informal market lending and exploit previously untapped resources that were previously unseen through the ecosystem. It even aims to work in the rural and unmanaged sectors of the economy. The company has worked so far on over 400 cities in India and aims to cover more. 8)


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: namistyk on September 20, 2018, 10:09:22 PM
The company at the highest level, with such a mood, of profit will be worthy!
This industry is very promising, I am sure that those who are the first to plunge into this market will take their rightful place.


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: Lendledger on September 21, 2018, 10:06:27 AM
The company at the highest level, with such a mood, of profit will be worthy!
This industry is very promising, I am sure that those who are the first to plunge into this market will take their rightful place.
Thank you so much namistyk - we're so happy you like our project!! Did you know that our token sale opens soon on October 30?? Tkae a look at this medium post for more details https://medium.com/lendledger/6-weeks-left-before-the-lendledger-crowdsale-what-you-need-to-know-2ce80bf5f71e


Title: Re: [ANN] LendLedger | Data-driven, Decentralized Lending 🌎Powered by Stellar
Post by: Lendledger on September 25, 2018, 07:10:18 PM

LENDLEDGER CROWDSALE GOES LIVE IN T-36 - ARE YOU PREPARED??

https://i.imgur.com/d63wWY5.png (https://medium.com/lendledger/6-weeks-left-before-the-lendledger-crowdsale-what-you-need-to-know-2ce80bf5f71e)


Title: Re: [ANN] LendLedger | Data-driven, Decentralized Lending 🌎Powered by Stellar
Post by: Lendledger on September 27, 2018, 02:35:45 PM


LendLedger Weekly Update - Week of September 17  :D

https://i.imgur.com/g8VlTjM.png (https://medium.com/lendledger/6-weeks-left-before-the-lendledger-crowdsale-what-you-need-to-know-2ce80bf5f71e)



Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: Findicoico on October 02, 2018, 10:06:15 AM
Hi everyone! Just added this incredible ICO to my website   https://findico.io/ico/lendledger   Findico.io is an online informational platform that claims to offer ICO ratings from top investors and experts. Using the information on the website, you can “invest smarter” and pick the best ICOs. In addition to rating ICOs, Findico offers ICO consulting services and we can help companies with all stages of their ICO.


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: catlugom on October 02, 2018, 05:29:50 PM
Hi all, are you interested in receiving tokens that already have real cost?


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: sutetrez on October 02, 2018, 05:32:16 PM
Hi all, are you interested in receiving tokens that already have real cost?
Do you mean bounty particiption?


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: catlugom on October 02, 2018, 05:35:17 PM
Hi all, are you interested in receiving tokens that already have real cost?
Do you mean bounty particiption?
Not entirely


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: sutetrez on October 02, 2018, 05:37:22 PM
Hi all, are you interested in receiving tokens that already have real cost?
Do you mean bounty particiption?
Not entirely
But what are you talking about?


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: catlugom on October 02, 2018, 05:39:21 PM
Hi all, are you interested in receiving tokens that already have real cost?
Do you mean bounty particiption?
Not entirely
But what are you talking about?
BitMart tokens can already be cashed so you could get 20 free BMX just for registering right now


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: sutetrez on October 02, 2018, 05:42:28 PM
Hi all, are you interested in receiving tokens that already have real cost?
Do you mean bounty particiption?
Not entirely
But what are you talking about?
BitMart tokens can already be cashed so you could get 20 free BMX just for registering right now
Only 20?  How i could receive more


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: catlugom on October 02, 2018, 05:44:09 PM
Hi all, are you interested in receiving tokens that already have real cost?
Do you mean bounty particiption?
Not entirely
But what are you talking about?
BitMart tokens can already be cashed so you could get 20 free BMX just for registering right now
Only 20?  How i could receive more
You just need to invite friends using your referral link go to bitmart.com and check


Title: Re: [ANN] LendLedger | Data-driven, Decentralized Lending 🌎Powered by Stellar
Post by: Lendledger on October 04, 2018, 07:23:22 PM

LENDLEDGER CROWDSALE GOES LIVE IN T-36 - ARE YOU PREPARED??

https://i.imgur.com/d63wWY5.png (https://medium.com/lendledger/6-weeks-left-before-the-lendledger-crowdsale-what-you-need-to-know-2ce80bf5f71e)



Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: Lendledger on October 08, 2018, 02:58:20 PM
Excited to tell you guys that LendLedger is now listed on ICO Champs (https://www.icochamps.com/ico/LendLedger)

Thank you so much for including us. The LendLedger token sale goes like in T-22 Days. Sign up on our website to get involved https://www.lendledger.io/buy-loantoken.php


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: Lendledger on October 08, 2018, 02:59:39 PM
LendLedger (LOAN) is already rated by Cryptolaboratory. All facts are here (https://ico-analytics.global/content/lendledger-loan). Don't miss it!


We're very happy to be listed here. The LendLedger token sale goes live on October 30 at 12am EST. Sign up on our website to get involved https://www.lendledger.io/buy-loantoken.php!


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: DrearyUrbanite on October 28, 2018, 03:46:55 PM
The company at the highest level, with such a mood, of profit will be worthy!
This industry is very promising, I am sure that those who are the first to plunge into this market will take their rightful place.

The industry is promising but as with most industries that are promising, there will also be a lot of competition.


Title: Re: [ANN] 💥 LendLedger | Data-driven, Decentralized Lending 🌎 Powered by Stellar ⚡
Post by: Folajuwon56 on January 25, 2019, 12:03:55 PM
Hi,  I participated in the lendledger campaign (blog and article campaign) but like a month ago, I couldn't access my wallet till now. Pls I need help if their is possibility of changing the wallet.