Payment in installments is questionable. What are you going to do with the money while waiting for a certain project stage? Those funds may be used for investments as a side project. But of course, it has to be low risk.
There is not soft cap because the tokensale is split over 4 ITO Rounds with 6 months in between them. So our Hardcap for the Seed Round is set at 500k Euro which is lower than many softcaps from other crypto projects.