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Author Topic: [ANN][ICO] FintruX - Old Thread  (Read 7639 times)
FintruX
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FintruX Network: The Global P2P Lending Ecosystem


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August 18, 2017, 09:55:56 PM
Last edit: October 18, 2017, 09:37:53 PM by FintruX
 #1







▬▬▬▬▬▬▬▬▬▬▬▬ FintruX Network: The Global P2P Lending Ecosystem ▬▬▬▬▬▬▬▬▬▬▬▬
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FintruX
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August 18, 2017, 10:38:46 PM
Last edit: August 19, 2017, 06:23:29 AM by FintruX
 #2


▬▬▬▬▬▬▬▬▬▬▬▬ FintruX Network: The Global P2P Lending Ecosystem ▬▬▬▬▬▬▬▬▬▬▬▬
▬▬▬▬▬ PRESALE (+10%): January 7th - 21st | TOKEN SALE (+5%): Februrary 7th - 28th ▬▬▬▬▬
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August 18, 2017, 11:13:34 PM
 #3

Reserved Indonesian translations if needed
Im ready sir


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August 19, 2017, 12:31:11 AM
 #4

This concept is not really new in the marketplace, but the idea of the project is very well updated, I'm very interested in this project, and really waiting for your bounty announcement, I hope this project does not disappoint, seen from the vision is quite good
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August 19, 2017, 12:38:33 AM
 #5

Reserved for Bounty Programs, Translations, etc.

Considering the fact that more and more people are relying online for financial security. This project could be huge. If you are already open for translation reservation. I would be very willing to reserve a spot for Filipino language. Thanks  Wink

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August 19, 2017, 12:39:17 AM
 #6

The project that carries the loan system ,,, what percentage interest from this loan per month ...?

      S P O R T S F I X           ●   BE A GAME CHANGER   ●
|     Whitepaper     |     Twitter     |     Telegram     |     Medium     |
████████████ [ Join SPORTSFIX ] ████████████
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August 19, 2017, 12:42:39 AM
 #7

Is there no risk if everything is made automatically in the system, meaning there is no human intervention
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August 19, 2017, 01:17:16 AM
 #8

Reserved Indonesian translations if needed
Im ready sir

You are called upon sir.
Thank you for your support!

Considering the fact that more and more people are relying online for financial security. This project could be huge. If you are already open for translation reservation. I would be very willing to reserve a spot for Filipino language. Thanks  Wink

That can definitely be arranged. Thank you for your support!

Is there no risk if everything is made automatically in the system, meaning there is no human intervention

FintruX being on the Ethereum blockchain makes the data securely decentralized, immutable, and most importantly, uptime is almost guaranteed.

▬▬▬▬▬▬▬▬▬▬▬▬ FintruX Network: The Global P2P Lending Ecosystem ▬▬▬▬▬▬▬▬▬▬▬▬
▬▬▬▬▬ PRESALE (+10%): January 7th - 21st | TOKEN SALE (+5%): Februrary 7th - 28th ▬▬▬▬▬
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August 19, 2017, 01:37:17 AM
 #9

Does your project not bounty a dev program ... such as a signature campaign or social media ..?

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August 19, 2017, 01:40:25 AM
 #10

FintruX  seems a pretty interesting project, i Will keep my eyes here to know newest update!
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August 19, 2017, 02:08:10 AM
 #11

Does your project not bounty a dev program ... such as a signature campaign or social media ..?

Our team is working on the bounty program as we speak. We will be allocating 2% of the total token amount for the bounties (which may amount to more due to our token burn system. Stay tuned and we hope you participate!

FintruX  seems a pretty interesting project, i Will keep my eyes here to know newest update!

Thank you for your interest! We will do our best to make this project as successful as possible.

▬▬▬▬▬▬▬▬▬▬▬▬ FintruX Network: The Global P2P Lending Ecosystem ▬▬▬▬▬▬▬▬▬▬▬▬
▬▬▬▬▬ PRESALE (+10%): January 7th - 21st | TOKEN SALE (+5%): Februrary 7th - 28th ▬▬▬▬▬
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August 19, 2017, 04:12:15 AM
 #12

I'm available for Danish translation if needed, and other bounties.
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Provide high-quality Chinese translation


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August 19, 2017, 04:22:12 AM
 #13

PM me if there's bounty, and if you need Chinese translation.
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August 19, 2017, 06:26:08 AM
 #14

can i reserve chinese translation for ann thread??
this are my previous work:
https://bitcointalk.org/index.php?topic=2084049      prcr
https://bitcointalk.org/index.php?topic=2084575      rakugo
https://bitcointalk.org/index.php?topic=2084588      fedcoupon

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August 19, 2017, 06:26:53 AM
 #15

If you are interested in doing a translation bounty, please claim your spot by clicking the link below and filling out the google form.
All relevant information about the bounty campaigns can be found HERE.

▬▬▬▬▬▬▬▬▬▬▬▬ FintruX Network: The Global P2P Lending Ecosystem ▬▬▬▬▬▬▬▬▬▬▬▬
▬▬▬▬▬ PRESALE (+10%): January 7th - 21st | TOKEN SALE (+5%): Februrary 7th - 28th ▬▬▬▬▬
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August 19, 2017, 06:50:53 AM
 #16

Good project, but too many risk.
If about a loan, there are always people who do not pay off their debts

How do you solve it ??



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August 19, 2017, 07:12:32 AM
 #17

Good project, but too many risk.
If about a loan, there are always people who do not pay off their debts

How do you solve it ??

Hi Kidbounty, thanks for asking this question. It's an important one, and one we believe we have solved. Fintrux tackles this specific issue on multiple fronts:

1. Prior to the loan
a) We verify the identity of all members by comparing supplied names, social security numbers,
addresses and telephone numbers against the names, social security numbers, addresses and telephone
numbers in the records of a consumer reporting agency, as well as other databases. Of course, this
information is not provided directly to the investor, but under a screen name.

The most important credit check we provide is a 'FICO' score. A FICO score is a numeric rating that ranges
between 300 and 850 that rates a person’s credit risk based
on past credit history and current credit situation. FICO scoring was developed by Fair Isaac Corporation.
FICO scores reflect a mathematical formula that is based on information in a consumer’s credit report,
compared to information on other consumers. Consumers with higher scores typically represent a lower
risk of defaulting on their loans. A borrower with a FICO score of 670+, our minimum credit score for
Standard Program Loans, is considered by credit providers to be a “prime” borrower.

b) We also have an option for the borrow to be associated with a guarantor and their bank accounts
will be withdrawn automatically to cover the delinquency.

Thus, along with our other borrower requirements (see our whitepaper section 2.5.1),
we calculate the risk for an investor to loan to this particular client.

In the end, the decision is completely up to the investor.

2. During the loan

After a 15-day grace period, the investor may, in his/her discretion, assesses a late payment fee. The
amount of the late payment fee is the greater of 5.00% of the unpaid payment amount or the equivalent
of USD$10.00, or such lesser amount as may be provided by applicable law. This fee may be charged
only once per late payment.

Investor may choose not to assess a late payment fee when a borrower promises to return a delinquent
Financing to current status and fulfills that promise. Investor may also work with a borrower member to
structure a new payment plan (refinance) in respect of the Financing with the consent of other investors
related to that Financing.

If a loan becomes overdue, investor may either refer the loan to an outside collection agent or to our inhouse
collections department. We generally use our in-house collections department as a first step
when a borrower member misses a payment. In the event that our initial in-house attempts to contact a
borrower member are unsuccessful, we generally refer the delinquent account to the outside collection
agent. Amounts equal to any recoveries we receive from the collection process are payable to investors
on a pro rata basis, subject to our deduction of our 1.00% service charge, if applicable, and an additional
collection fee. The investor is only charged the additional collection fee if the collection agency or we
are able to collect a payment.

Our collection process changes in the event of a borrower bankruptcy filing. When we receive notice of
the bankruptcy filing, as required by law, we cease all collection actions on the loan. The status of the
loan, which the relevant investors may view, switches to bankruptcy. We next determine what we
believe to be an appropriate approach to dealing with the borrower’s bankruptcy. If the proceeding
seeks liquidation, we attempt to determine if the proceeding is a “no asset” proceeding, based on
instructions we receive from the bankruptcy court. If the proceeding is a “no asset” proceeding, we take
no further action and assume that no recovery will be made on the Financing.

We file a proof of claim involving the borrower when permitted. The decision to pursue additional relief
beyond the proof of claim in any specific matter involving a borrower will be entirely within our
discretion and will depend upon certain factors including:
• if the borrower used the proceeds of a loan in a way other than that which was described in the
borrower’s application;
• if the bankruptcy is a Chapter 13 proceeding, whether the proceeding was filed in good faith and if
the proposed plan reflects a “best effort” on the borrower’s behalf; and our view of the costs and
benefits to us of any proposed action.

3. After the loan
To further enhance our offering, we will be integrating insurance policies into our platform. Investors (lenders)
will have the option to pay a small premium representing a percentage of the interest earned into an insurance pool.
If the loan holder defaults on their payment, the premium can be repaid from the insurance.

We are building a very strong team of lawyers and industry players that are well established in the financing industry.
We are very confident we can handle most, if not all situations because we simply have done it before. The only
difference now is that with the advent of new technology (Ethereum and no-code technology)
we can further automate administrative tasks to entirely cut out the middlemen and save everybody money and time.

Please let me know if this answers your query and I am happy to clarify any further questions you may have!

Feel free to take a look at our whitepaper to learn more.

▬▬▬▬▬▬▬▬▬▬▬▬ FintruX Network: The Global P2P Lending Ecosystem ▬▬▬▬▬▬▬▬▬▬▬▬
▬▬▬▬▬ PRESALE (+10%): January 7th - 21st | TOKEN SALE (+5%): Februrary 7th - 28th ▬▬▬▬▬
ANN · BOUNTY · WHITEPAPER · BLOG · TELEGRAM · FACEBOOK · TWITTER · REDDIT
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August 19, 2017, 07:19:32 AM
 #18

Does your project not bounty a dev program ... such as a signature campaign or social media ..?

Our team is working on the bounty program as we speak. We will be allocating 2% of the total token amount for the bounties (which may amount to more due to our token burn system. Stay tuned and we hope you participate!

This one is interesting, so when all the bounties will be ready, and also what kind of bounties that will be available for everyone to follow?
Thanks.
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August 19, 2017, 07:35:42 AM
 #19

Does your project not bounty a dev program ... such as a signature campaign or social media ..?

Our team is working on the bounty program as we speak. We will be allocating 2% of the total token amount for the bounties (which may amount to more due to our token burn system. Stay tuned and we hope you participate!

This one is interesting, so when all the bounties will be ready, and also what kind of bounties that will be available for everyone to follow?
Thanks.

Our bounty campaign is currently live! We currently have:
 
Facebook Bounties 
Twitter Bounties
Signature & Avatar Campaign 
Blogs/Articles
Translations and Forum Moderation 
and Creative Social Media Promotion 

For more information please take a look at the bounty thread at https://bitcointalk.org/index.php?topic=2101606.0

▬▬▬▬▬▬▬▬▬▬▬▬ FintruX Network: The Global P2P Lending Ecosystem ▬▬▬▬▬▬▬▬▬▬▬▬
▬▬▬▬▬ PRESALE (+10%): January 7th - 21st | TOKEN SALE (+5%): Februrary 7th - 28th ▬▬▬▬▬
ANN · BOUNTY · WHITEPAPER · BLOG · TELEGRAM · FACEBOOK · TWITTER · REDDIT
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August 28, 2017, 02:29:56 PM
 #20

Hi all!!!
can you tell us if the ICO date is confirmed?
i read on White paper who will be from 8th of November to the 29th.
No change until now?
cheers.
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