[ANN] [PRE-ICO] 🔺RAD Lending🔺Credit Solutions for the Crypto Economy

[RADTEAM]

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[1715668367]

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[1715668367]

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[1715668367]

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[james.l]

Seems like an awesome project, will there be a bounty program? 

[kolonel_x]

Seems like an awesome project, will there be a bounty program? 

I think now ico project with the concept of lending is rarely the demand because it is a lot of ico-based project lending that leads to scam and disadvantage many ICO investors

[xda-developer]

Hi!

At the moment most successful crypto lending project - ETHLend. Do you really think that you can create project which will be able to be competitor to ETHLend?

What is your competitive edge?

[RADTEAM]

Seems like an awesome project, will there be a bounty program? 

I think now ico project with the concept of lending is rarely the demand because it is a lot of ico-based project lending that leads to scam and disadvantage many ICO investors

Hello there! Because we do not cut corners on compliance, our investors are protected much more than it is common in the ICO space today. Every token represents a share of the company and revenue sharing rights.             

[RADTEAM]

Seems like an awesome project, will there be a bounty program? 

Thanks for an interest! Unfortunately, bounty programs don't go well with the compliant security token offering.
We had many thoughts and legal discussions how to pull a bounty program with all legal and organizational constraints that our legal ICO has.

Still trying to find a way. Just to give an idea of the level of issues - you can not offer your token to anonymous persons without doing all proper KYC, AML, ID verification and in some case accredited investor verification.

Hopefully, we soon will find a way to reward community members that are interested in our offering.

[RADTEAM]

Seems like an awesome project, will there be a bounty program? 

I think now ico project with the concept of lending is rarely the demand because it is a lot of ico-based project lending that leads to scam and disadvantage many ICO investors

Thanks!
Your concerns are very legitimate in today's market.

Our core points to prove our legitimacy and compliance are:
1) We are US based and US registered corporation.
2) We have spent an enormous amount of time, money and efforts to organize our pre-ICO (and the ICO afterward) in compliance with US security laws.
3) If you participate in our offering (this is the legal term for what we do) - you are not just sending your ETH or BTC to an anonymous wallet on the blockchain and hope all goes well. You will legally own a security - our token is organized as a preferred share of a corporation - be prepared to ID verification and some electronic paper signing.

Our core points regarding business and technology are:
1) p2p model - we connect borrowers and investors. We have experience with crypto exchange engines and will use it to make a perfect matchmaking engine to connect investors and borrowers.
2) we plan to offer a real credit card (with a credit limit and grace period) with crypto collateral. And no spending fees!
3) we are researching a decentralized blockchain - agnostic escrow for collateral management. This is in early stages and the task is really challenging - that's why we plan to do it only as a second step - focusing on the centralized solution first to cover Bitcoin and Ethereum network from the get-go.

Please ask your questions - we are happy to answer!

[RADTEAM]

Hi!

At the moment most successful crypto lending project - ETHLend. Do you really think that you can create project which will be able to be competitor to ETHLend?

What is your competitive edge?

Thanks! Please check our answer above - it outlines our core points in both legitimacy and compliance and business and technology.
Please ask questions - will be happy to provide answers!

[RADTEAM]

Meanwhile if you're wondering how to get whitelisted, read our latest blog article - we collected all the important parts of the process in our post!

https://i.imgur.com/eXDI02Jh.png

[Kenely]

i found the project cool and nice. an amazing project and definitely have a bright future. I like your project.

[RADTEAM]

Seems like an awesome project, will there be a bounty program? 

Thanks for an interest! Unfortunately, bounty programs don't go well with the compliant security token offering.
We had many thoughts and legal discussions how to pull a bounty program with all legal and organizational constraints that our legal ICO has.

Still trying to find a way. Just to give an idea of the level of issues - you can not offer your token to anonymous persons without doing all proper KYC, AML, ID verification and in some case accredited investor verification.

Hopefully, we soon will find a way to reward community members that are interested in our offering.

Getting some activity in our PM regarding this post about limitations of the security token.

Seems like many people doesn't realize how "utility tokens" are different from security tokens. Not to start a full-blown discussion on utility vs security, just some short facts.

With "utility tokens" as an issuer you are free to do almost anything they want - they are not regulated, and unfortunately, most state regulators think they are not legit. Think about it as a donation for a cool new Kickstarter thing.

With security tokens, an investor gets significant protection even just because the issuer's hands are tied by security law regulations. Think about it as buying a share in the company - more paperwork than a Kickstarter donation, but some legal rights attached to it.

[heocon571]

Who can tell me how to see the developers and their team? And where you can watch the guarantor of the company? As I have never found them.
Because I really impressed how easy it worked and great jobs they did on their website!

[RADTEAM]

Who can tell me how to see the developers and their team? And where you can watch the guarantor of the company? As I have never found them.
Because I really impressed how easy it worked and great jobs they did on their website!

Thank you for the kind words! You can learn more about our Team under the team section on our website!

Regarding the developers, we have an experienced team with us, guys who have worked extensively in their respective fields!

[everseenthesun]

Hi!

At the moment most successful crypto lending project - ETHLend. Do you really think that you can create project which will be able to be competitor to ETHLend?

What is your competitive edge?

I wouldn't call ETHLend the most successful lending project...

[RADTEAM]

Watch the beautiful RAD Lending introduction video here made by our beautiful Graphic Designers!

And don't forget: less than 13 days left til our Pre-ICO launch! Get Whitelisted now on radlending.com for the 40% early bird bonus! 🐦

[strelok25]

Your company is legally registered in America, this gives  more confidence in the reliability, security and transparency of your project and the fact that your project tokens are considered as the company privileged shares this gives value to your tokens. Tell me what is the profit expected for investors in your project?

[RADTEAM]

Your company is legally registered in America, this gives  more confidence in the reliability, security and transparency of your project and the fact that your project tokens are considered as the company privileged shares this gives value to your tokens. Tell me what is the profit expected for investors in your project?

Thanks for a good question!

Fist, we can not stop talking about security vs utility tokens. Maybe just because we spent so much efforts on making everything right.

ICO investors just need to understand that a company can not just self-classify its token and say "Hey we are a utility token today". Or find a test score on the Internet, written by someone for informative purposes two years ago and state - our XYZ test score is 97, so we are not a security token at all!

It is up to official regulators and judges to finally decide if your token was misclassified and it is actually a security.
And seize all ICO proceeds if it was misclassified. And some of the high ranking gov officials have said for the record that utility tokens are a nonexistent thing (meaning that everyone just misclassifies).

Misclassification of a token puts all investors at risk, but if for ICO founders this game has high rewards/ high-risk scenario, for regular ICO investors it is high risk/low rewards scenario.

Making our token a security also opens up doors to create a working and normally understandable token economy. We take 100% of company quarterly net income and share it with all token holders. Like holders of a company shares normally get dividends.

Where will the company get profits from?
We are planning to build:
1) a p2p lending platform, collecting 1.5% fee for every loan originated on the platform. Like what LendingClub or Prosper successfully doing since 2008 on the traditional lending market.

2) a family of credit products on the platform - personal loans, business and small business loans, and crypto backed credit card with a real credit limit and a grace period!

All these products will also bring revenue when used by the customers, and it is our goal to make them attractive for customers to use them in their lives.

Please ask us more questions!

[RADTEAM]

The clock is ticking, our Pre-ICO starts on the 15th of May! ⏰
Get Whitelisted for a 40% early bird bonus and read our Whitepaper here.

https://i.imgur.com/bb4YYc1l.png

[RADTEAM]

Did you know?
We released a survey last month about cryptocurrency usage habits, with the help of more than a 100 participants.
You can see the results here.

https://i.imgur.com/IfqXGZjl.png

[everseenthesun]

Misclassification of a token puts all investors at risk, but if for ICO founders this game has high rewards/ high-risk scenario, for regular ICO investors it is high risk/low rewards scenario.

Ok, I'll bite... How come this is not discussed more tho?

[RADTEAM]

!! RAD Lending on tour !!

Register to the event you're interested in, meet the team IRL and discuss our vision together!
See you there!

https://i.imgur.com/BIEQmevl.png

[RADTEAM]

Misclassification of a token puts all investors at risk, but if for ICO founders this game has high rewards/ high-risk scenario, for regular ICO investors it is high risk/low rewards scenario.

Ok, I'll bite... How come this is not discussed more tho?

We think it will be good if large crypo media pay more attention to that issue. The whole future crypto widespread adoption relies on the compliance and regulation. It is visible how last year was the year when large business gave a lot of credibility to crypto and it is now slowly melting away with every new scam or regulatory action.




 

[RADTEAM]

I have a question.. where would we have to keep our tokens to get dividends? will a user keeping his or her tokens on bitdice get dividends or we have to keep it on wallets like my other wallet? Thanks!

Great question!
You can keep the token on your wallet to get dividends.
Dividends are planned to be paid quarterly. To get dividends paid to you for the quarter, you need to hold the token for the whole quarter.

100% of the company net profits will be sent to the dividend payments.

[RADTEAM]

I like your project, good luck and success for the project.
Egretia

Thanks for the kind words, ready to answer any questions here or on one of our live events in either SEOUL, Washington DC or Budapest in the next 2 weeks

[RADTEAM]

It's time to show the group!
First, we proudly present our core team for you - these guys don't mess around when it comes to business! With their knowledge combined, RAD Lending is flourishing already, growing bigger and bigger every day.

https://i.imgur.com/yBqEduZh.png

[Bertram89]

woohoo i will start paticipating in the program, joined the discord and now applying for it!

[orbitalcoin]

bright project with a well written whitepaper and a decent website, i will be following this project for sure to see where it will heads.

[RADTEAM]

woohoo i will start paticipating in the program, joined the discord and now applying for it!

Thanks! Just follow our How to get Whitelisted Guide here https://radlending.com/blog/get-whitelisted-pre-ico/ and you'll be fine!

[Rosa bella]

Why do you consider only major corporations to be your main partners?
egretia

[RADTEAM]

Why do you consider only major corporations to be your main partners?
egretia

Thanks - great question!

We do not consider to partner only "major corporations", but it is true that if you want to connect fiat finance with crypto (which is our mission) you need to do quite a bit of compliance and licensing work, or/and add partners on board that will help you to complete your mission.
And currently, if you want to partner with almost any traditional business - you better have your company all transparent and legit from the get-go.

If you were following, several crypto card companies had their share of trouble just recently when one smallish (in terms of conventional business) credit card issuer just turned down all crypto partners at once. This is how problems with compliance in crypto can backfire.

 

[RADTEAM]

bright project with a well written whitepaper and a decent website, i will be following this project for sure to see where it will heads.

Thanks, stay tuned, we will have news and some interesting publications pretty soon!

[abazakolala]

I’ve read your project and I find that it's so promising in the near future. I'm waiting for good news and a bright future!

[RADTEAM]

In the meantime, feel free to check out our press section. Quite recently we had a nice write-up by Techbullion!

https://i.imgur.com/FYoqnkW.png

[RADTEAM]

Have you read our Whitepaper yet? Do not hesitate, come and explore our world, read the RAD Lending Whitepaper and get Whitelisted now for the 40% early bird bonus!

https://i.imgur.com/bb4YYc1l.png

[RADTEAM]

Meet the people behind the scenes, responsible for the show to roll effortlessly!
The crew that cares for this huge jigsaw puzzle called RAD Lending, making sure all the pieces are in the right place, at the right time.

https://i.imgur.com/838UmUIh.png

[supernva]

What coins or currencies do you accept for the ICO?

[RADTEAM]

RAD Lending's first Pre-ICO Roadshow event is coming!

Live from the Crypto Marketing Minefield, our Marketing Manager, Peter Balog is going to share his experiences with you in Seoul!
This event is free, but you have to register here.

https://i.imgur.com/J45fJicl.png

[RADTEAM]

What coins or currencies do you accept for the ICO?

We accept ETH, BTC and fiat. You can get whitelisted on our site before the pre-ico sale begins on the 15th!

[RADTEAM]

"Ignore the noise, focus on core pillars of business, be compliant."

Thanks for the accurate and comprehensive interview on Bitcoin Millionaire! We can't emphasize these essential and fundamental thoughts enough about RAD Lending and beyond.

https://bitcoin-millionaire.com/wp-content/uploads/2018/05/Rad_lending_ICO_Interview_Bitcoin-Millionaire-900x550.jpg

[RADTEAM]

A quick reminder: 7 and a half days left until our Pre-ICO launch!

If you want to get Whitelisted, here's a short step-by-step guide to help you out.

https://i.imgur.com/eXDI02Jl.png

[harbet.robison]

A very good and interesting project, hoping that this ICO will be successful and smooth. I like this platform and I will support it as soon as ICO launching.

[RADTEAM]

Who needs RAD Lending?

> Miners, small crypto businesses
> Post-ICO companies
> Exchanges, traders
> Traditional fiat investors

We aim to build a platform where all of these companies and individuals can connect safely.
Did you recognize yourself or your company? Read more about us and get Whitelisted today on radlending.com!

https://i.imgur.com/MXqWvLDl.png

[coingamblingreviews]

"Ignore the noise, focus on core pillars of business, be compliant."

Thanks for the accurate and comprehensive interview on Bitcoin Millionaire! We can't emphasize these essential and fundamental thoughts enough about RAD Lending and beyond.

Awesome interview

[RADTEAM]

Register to our second Roadshow Event in Budapest and discuss Blockchain technology challenges with our CTO and Architect, Mikhail Nikulin. See you there!

You can find the Facebook event here for more informations.

https://i.imgur.com/79vLMcBl.png

[RADTEAM]

Consensus 2018 is coming in 4 days,
and we have a special gift for you if you're interested in this event!
Click here to claim a discount for your tickets, or enter this code when buying: tb837853-2724

Hope to see you there!

[RADTEAM]

Hi everyone! Just added the Entry Money ICO to my website   https://findico.io/ico/rad-rad   Findico.io is a leading cryptocurrency and ICOs portal. Whether you are already involved with ICO or other cryptocurrencies or just want to get into it, Findico.io is a resource to keep updated. ICO rating platform supported by investors and financial experts and users. Findico.io mission is to make it easy for users to find the best ICOs to join. We strive to provide useful and transparent information on ICOs, helping users find projects that have a great potential for success. We also offer a whitelabel platform for ICO projects (Wallet, tokensale system, smart contract, audit and etc) to present themselves to potential users. We have steadily increased the quantity and the quality of information required from ICO projects and we will continue to do so to help this new industry flourish.

Thanks for the entry and the message! We appreciate it, also, you guys seem to have a well-designed site there! Keep it up, and let us know if you have any further questions.

[RADTEAM]

Remember our HODL survey?
Real opinions of real participants - learn about today's crypto usage habits from more than 130 cryptocurrency users' responses!

https://i.imgur.com/7E5zZCal.png

[RADTEAM]

Hello everyone! Just a quick note to the investors that are whitelisting on our platform - please use your legal name in registration. Otherwise, you will be failing on the ID verification stage. Our verification tools need to match your selfie, your ID and the information you provided about yourself to perform verification. 
Good luck and stay tuned!

[joblessminer]

This looks like a great idea. Will you guys be assigning a sort of credit score using held crypto assets?

[Crypto_Man1212]

Since this is a US compliant ICO, I can safely assume your tokens will be utility based right?

[alenka04.80]

so many projects related to lending now. Tell me, what is your advantage over the others? What makes you different? are there any conditions for loans?

[okspam]

The credit cards part is what has piqued my attention. It seems like every project I've seen talking about them never actually come out with them. As a layman, can you explain why everyone seems to have such a difficulty with what seems like a simple thing to me?

[RADTEAM]

This looks like a great idea. Will you guys be assigning a sort of credit score using held crypto assets?

Great question. For the first stage, we will use crypto assets as a collateral. No need for a credit score at this stage. Next stage - we collect the data on user spending, transactions and tune our credit scoring model to further expand to non-secured loans and cards.

[RADTEAM]

Since this is a US compliant ICO, I can safely assume your tokens will be utility based right?

It looks like you are confusing two concepts - utility token and a security token. Utility token has some, well, utility. It is something that you should be able to use on the platform once it is built. By definition, it can not be an investment and cannot promise future profits, any resale value, or increase in price. It can only promise you that you will be able to use it once/if the platform for that token is ready.
The problem is that so many ICO's loosely use the term "utility token" for their tokens and advertise them as an actual investment, which is untrue and illegal.

A security token is an investment vehicle. It comes with an additional burden for the company - there are lots of restrictions how you can advertise, market and issue security tokens. You also need to ID verify and do full KYC on all your investors. The pros of this approach is that you can actually distribute profits, and do other things that are expected from an investment. Also, investors are legally protected - so no "over and outs", or pump and dump are possible with regulated security tokens.

Our RAD Token is a security token. We have done a lot to make it right from the beginning, and hope that investors will appreciate the added protection of a legal token.

[HerrHeimlich]

I am very happy to finally find a security token that I can legally invest in. I agree that many projects loosely use the term "utility." I think this project has a lot of value and the team appears to be very knowledgeable and up-front. I believe this project could be extremely profitable and useful.  I really like the idea of lending, which could be profitable for lenders and helpful for borrowers.

[celestio]

Has your team been to any blockchain conferences?

[earthcoin]

Does RAD Lending have any major competitors? If so, who and how do you plan to differentiate your product?

[RADTEAM]

so many projects related to lending now. Tell me, what is your advantage over the others? What makes you different? are there any conditions for loans?

Our major advantages are:
1) Transparent token economy and structure. Since we are security token from the very beginning, we do not need to play this wording games of "Do not talk about the fight club, just invest". We clearly state in our offering documents that we will share 100% of company profits among tokenholders and the clear motive for investing is to get a share of future profits.
2) We understand traditional financial products and know how to adapt them to the crypto market. We envision a series of credit products including a real credit card with a credit limit. This is something that nobody has done in crypto before. Our credit card with a grace period is brilliant and can be a lifesaver for the crypto investor.
3) We have plans (though not in the first development stage) to develop a decentralized cross-blockchain escrow that (if successful) will allow us to securely and with full decentralization tokenize crypto assets on any blockchain and put them on Ethereum network to securely manage crypto collaterals. This is really groundbreaking (but very challenging).

[Dreaming]

so many projects related to lending now. Tell me, what is your advantage over the others? What makes you different? are there any conditions for loans?

Our major advantages are:
1) Transparent token economy and structure. Since we are security token from the very beginning, we do not need to play this wording games of "Do not talk about the fight club, just invest". We clearly state in our offering documents that we will share 100% of company profits among tokenholders and the clear motive for investing is to get a share of future profits.
2) We understand traditional financial products and know how to adapt them to the crypto market. We envision a series of credit products including a real credit card with a credit limit. This is something that nobody has done in crypto before. Our credit card with a grace period is brilliant and can be a lifesaver for the crypto investor.
3) We have plans (though not in the first development stage) to develop a decentralized cross-blockchain escrow that (if successful) will allow us to securely and with full decentralization tokenize crypto assets on any blockchain and put them on Ethereum network to securely manage crypto collaterals. This is really groundbreaking (but very challenging).

That's an interesting approach. What is the main thing people wish to avoid when it comes to being regulated as a security?

[RADTEAM]

so many projects related to lending now. Tell me, what is your advantage over the others? What makes you different? are there any conditions for loans?

Our major advantages are:
1) Transparent token economy and structure. Since we are security token from the very beginning, we do not need to play this wording games of "Do not talk about the fight club, just invest". We clearly state in our offering documents that we will share 100% of company profits among tokenholders and the clear motive for investing is to get a share of future profits.
2) We understand traditional financial products and know how to adapt them to the crypto market. We envision a series of credit products including a real credit card with a credit limit. This is something that nobody has done in crypto before. Our credit card with a grace period is brilliant and can be a lifesaver for the crypto investor.
3) We have plans (though not in the first development stage) to develop a decentralized cross-blockchain escrow that (if successful) will allow us to securely and with full decentralization tokenize crypto assets on any blockchain and put them on Ethereum network to securely manage crypto collaterals. This is really groundbreaking (but very challenging).

That's an interesting approach. What is the main thing people wish to avoid when it comes to being regulated as a security?

When it is not a security - you are pretty much out of the legal field. Basically, you can do almost whatever strikes your fancy with the funds. I know, there are a whole bunch of smart contract tools to avoid that, but considering that a huge amount of ICO proceeds are in bitcoin - it is more or less up the founding team what to do with your investment.
When a security, you can not do a lot of things (most of them are bad for investors anyway). Investors have a legal protection. On the downside - your advertising and marketing are limited too. For example, managing a bounty campaign would be a pain. Reaching out to McAffee and pay him for a twit would be a major headache too. So honestly, you can not do any dirty ICO marketing tricks (or let's say you will need to avoid the most effective ICO marketing tools).

[RADTEAM]

The credit cards part is what has piqued my attention. It seems like every project I've seen talking about them never actually come out with them. As a layman, can you explain why everyone seems to have such a difficulty with what seems like a simple thing to me?

The catch is that you can not issue a credit card on the blockchain. You need to partner with a traditional financial institution, that will do the due diligence on your company and project. Most of the traditional finances are very cautious when dealing with crypto these days. In my opinion, it is not because they want to preserve the status quo, but mostly because crypto doesn't want to be compliant and it is just too much risk for an established business to deal with crypto companies. Many potential partners of that kind did fall through.
We found that it is much easier to find established partners when you are doing things right organizationally from the very beginning.

[TheROBER]

Is there an advantage to going peer to peer rather than other types of decentralization?

[RADTEAM]

Has your team been to any blockchain conferences?

Good question! You can meet our CEO, Alex at Consensus starting today.

We also have a pre-ico world roadshow going on, with meetups in Seoul, Washington D.C., and Budapest! More info here.

https://radlending.com/blog/wp-content/uploads/2018/05/roadshow-updated21j.jpg

[alexberezov]

Where can I see your full road map? Are the tokens already being sold or has the sale not started yet?

[RADTEAM]

Where can I see your full road map? Are the tokens already being sold or has the sale not started yet?

Hello, this is the full version of our road map so far, as you can see it on the first page of this topic.
Our pre-ICO starts in less than 23 hours, ask us if you have any other questions or visit our website for further details!

[RADTEAM]

Meet Our New Investors' Deck!

If you are in a hurry, but still need a few convincing reasons on why we feel that RAD Lending is the next game changing company in lending, here's your help! Meet the short, concise, and on point Investors' Deck.

[RADTEAM]

!! OUR PRE-ICO STARTS TOMORROW !!

Don't miss out, read our Whitepaper here. Stay tuned, we can't wait for it!

https://i.imgur.com/io9db43l.png

[Dreaming]

so many projects related to lending now. Tell me, what is your advantage over the others? What makes you different? are there any conditions for loans?

Our major advantages are:
1) Transparent token economy and structure. Since we are security token from the very beginning, we do not need to play this wording games of "Do not talk about the fight club, just invest". We clearly state in our offering documents that we will share 100% of company profits among tokenholders and the clear motive for investing is to get a share of future profits.
2) We understand traditional financial products and know how to adapt them to the crypto market. We envision a series of credit products including a real credit card with a credit limit. This is something that nobody has done in crypto before. Our credit card with a grace period is brilliant and can be a lifesaver for the crypto investor.
3) We have plans (though not in the first development stage) to develop a decentralized cross-blockchain escrow that (if successful) will allow us to securely and with full decentralization tokenize crypto assets on any blockchain and put them on Ethereum network to securely manage crypto collaterals. This is really groundbreaking (but very challenging).

That's an interesting approach. What is the main thing people wish to avoid when it comes to being regulated as a security?

When it is not a security - you are pretty much out of the legal field. Basically, you can do almost whatever strikes your fancy with the funds. I know, there are a whole bunch of smart contract tools to avoid that, but considering that a huge amount of ICO proceeds are in bitcoin - it is more or less up the founding team what to do with your investment.
When a security, you can not do a lot of things (most of them are bad for investors anyway). Investors have a legal protection. On the downside - your advertising and marketing are limited too. For example, managing a bounty campaign would be a pain. Reaching out to McAffee and pay him for a twit would be a major headache too. So honestly, you can not do any dirty ICO marketing tricks (or let's say you will need to avoid the most effective ICO marketing tools).

A very insightful response, I've never known any of these details. I've just always been told, security token bad, utility token good with no further explanation. With your insight I can see security tokens really are bad if you're like 90% of ICO's and are just planning on scamming people!

If investing in a security through your company affords me legal protections, that sounds a whole lot better than how my last investment has turned out.

[Crypto_Man1212]

Since this is a US compliant ICO, I can safely assume your tokens will be utility based right?

It looks like you are confusing two concepts - utility token and a security token. Utility token has some, well, utility. It is something that you should be able to use on the platform once it is built. By definition, it can not be an investment and cannot promise future profits, any resale value, or increase in price. It can only promise you that you will be able to use it once/if the platform for that token is ready.
The problem is that so many ICO's loosely use the term "utility token" for their tokens and advertise them as an actual investment, which is untrue and illegal.

A security token is an investment vehicle. It comes with an additional burden for the company - there are lots of restrictions how you can advertise, market and issue security tokens. You also need to ID verify and do full KYC on all your investors. The pros of this approach is that you can actually distribute profits, and do other things that are expected from an investment. Also, investors are legally protected - so no "over and outs", or pump and dump are possible with regulated security tokens.

Our RAD Token is a security token. We have done a lot to make it right from the beginning, and hope that investors will appreciate the added protection of a legal token.

That must have taken a considerable amount of early capital to secure an adequate legal team to guide you guys through this. May I ask which firm you have on retainer?

[joblessminer]

This looks like a great idea. Will you guys be assigning a sort of credit score using held crypto assets?

Great question. For the first stage, we will use crypto assets as a collateral. No need for a credit score at this stage. Next stage - we collect the data on user spending, transactions and tune our credit scoring model to further expand to non-secured loans and cards.

Thanks for the insightful response. Will you will be using some sort of machine learning using the data on user spending to train it?

[deeltje]

!! OUR PRE-ICO STARTS TOMORROW !!

Don't miss out, read our Whitepaper here. Stay tuned, we can't wait for it!

I'm super stoked for the presale. I have about 3 alarms set lol. I really don't want this one to sell out in minutes like I've seen before.

[bananafana]

Will there be a minimum contribution amount?

[RADTEAM]

Will there be a minimum contribution amount?

Hey bananafana, minimum contribution for Non-US investors is $200, for US-investors it's  $1.000. Investments can come in ETH/BTC/fiat!

[RADTEAM]

!! OUR PRE-ICO STARTS TOMORROW !!

Don't miss out, read our Whitepaper here. Stay tuned, we can't wait for it!

https://i.imgur.com/io9db43l.png

I'm super stoked for the presale. I have about 3 alarms set lol. I really don't want this one to sell out in minutes like I've seen before.

Thanks we are equally excited, or even more, if that's possible! 

[RADTEAM]

Since this is a US compliant ICO, I can safely assume your tokens will be utility based right?

It looks like you are confusing two concepts - utility token and a security token. Utility token has some, well, utility. It is something that you should be able to use on the platform once it is built. By definition, it can not be an investment and cannot promise future profits, any resale value, or increase in price. It can only promise you that you will be able to use it once/if the platform for that token is ready.
The problem is that so many ICO's loosely use the term "utility token" for their tokens and advertise them as an actual investment, which is untrue and illegal.

A security token is an investment vehicle. It comes with an additional burden for the company - there are lots of restrictions how you can advertise, market and issue security tokens. You also need to ID verify and do full KYC on all your investors. The pros of this approach is that you can actually distribute profits, and do other things that are expected from an investment. Also, investors are legally protected - so no "over and outs", or pump and dump are possible with regulated security tokens.

Our RAD Token is a security token. We have done a lot to make it right from the beginning, and hope that investors will appreciate the added protection of a legal token.

That must have taken a considerable amount of early capital to secure an adequate legal team to guide you guys through this. May I ask which firm you have on retainer?

It has indeed been a long journey, in the past six months we have consulted with several lawyers and groups before settling with our current team. We have plans on announcing our legal partners down the road, for now, we are proud to present CrowdCheck and CrowdCheckLaw as our partners for the KYC process.

[RADTEAM]

Don't forget: our Budapest event will be tomorrow, register if you want to join us! 🙌

See you there and stay tuned, as our Pre-ICO goes live in a few hours! 🚀🚀

https://i.imgur.com/79vLMcBl.png

[Dreaming]

Will there be a minimum contribution amount?

Hey bananafana, minimum contribution for Non-US investors is $200, for US-investors it's  $1.000. Investments can come in ETH/BTC/fiat!

No maximum contribution per person I'm assuming? I've seen some projects do it to keep the tokens from selling out before lots of people could get in.

[joblessminer]

Where can I read about previous projects the team has worked on?

[Crypto_Man1212]

Since this is a US compliant ICO, I can safely assume your tokens will be utility based right?

It looks like you are confusing two concepts - utility token and a security token. Utility token has some, well, utility. It is something that you should be able to use on the platform once it is built. By definition, it can not be an investment and cannot promise future profits, any resale value, or increase in price. It can only promise you that you will be able to use it once/if the platform for that token is ready.
The problem is that so many ICO's loosely use the term "utility token" for their tokens and advertise them as an actual investment, which is untrue and illegal.

A security token is an investment vehicle. It comes with an additional burden for the company - there are lots of restrictions how you can advertise, market and issue security tokens. You also need to ID verify and do full KYC on all your investors. The pros of this approach is that you can actually distribute profits, and do other things that are expected from an investment. Also, investors are legally protected - so no "over and outs", or pump and dump are possible with regulated security tokens.

Our RAD Token is a security token. We have done a lot to make it right from the beginning, and hope that investors will appreciate the added protection of a legal token.

That must have taken a considerable amount of early capital to secure an adequate legal team to guide you guys through this. May I ask which firm you have on retainer?

It has indeed been a long journey, in the past six months we have consulted with several lawyers and groups before settling with our current team. We have plans on announcing our legal partners down the road, for now, we are proud to present CrowdCheck and CrowdCheckLaw as our partners for the KYC process.

This is reassuring. Glad you guys are doing everything the right way. What made you decide not to take the cheap and easy way out like every one else seems to?

[okspam]

May I ask who from the team is taking care of this thread?

[Dofus]

Will you have an Android app developed at launch?

[RADTEAM]

🚀🔺!! RAD LENDING PRE-ICO IS LIVE !!🔺🚀

Investor panel

Whitepaper

We’re starting the engines!
Don’t miss your chance, jump in our spaceship and fly with us to the Moon and beyond – join and invest now for our best offer, a highly beneficial 40% bonus!

https://i.imgur.com/3ltE7rnl.png

[RADTEAM]

May I ask who from the team is taking care of this thread?

Thanks for the question! We have our marketing people monitoring all channels on rotation, including Bitcointalk. If you wish to contact us directly, please use contact@radlending.com!

[RADTEAM]

Since this is a US compliant ICO, I can safely assume your tokens will be utility based right?

It looks like you are confusing two concepts - utility token and a security token. Utility token has some, well, utility. It is something that you should be able to use on the platform once it is built. By definition, it can not be an investment and cannot promise future profits, any resale value, or increase in price. It can only promise you that you will be able to use it once/if the platform for that token is ready.
The problem is that so many ICO's loosely use the term "utility token" for their tokens and advertise them as an actual investment, which is untrue and illegal.

A security token is an investment vehicle. It comes with an additional burden for the company - there are lots of restrictions how you can advertise, market and issue security tokens. You also need to ID verify and do full KYC on all your investors. The pros of this approach is that you can actually distribute profits, and do other things that are expected from an investment. Also, investors are legally protected - so no "over and outs", or pump and dump are possible with regulated security tokens.

Our RAD Token is a security token. We have done a lot to make it right from the beginning, and hope that investors will appreciate the added protection of a legal token.

That must have taken a considerable amount of early capital to secure an adequate legal team to guide you guys through this. May I ask which firm you have on retainer?

It has indeed been a long journey, in the past six months we have consulted with several lawyers and groups before settling with our current team. We have plans on announcing our legal partners down the road, for now, we are proud to present CrowdCheck and CrowdCheckLaw as our partners for the KYC process.

This is reassuring. Glad you guys are doing everything the right way. What made you decide not to take the cheap and easy way out like every one else seems to?

Thank you! The way we see it is, there is no other sustainable approach than the right way, as you called it. We have seen several crypto fintech startups go belly up because of scams and lack of credibility, and most of these could have been predicted early on. In the financial world, credibility and compliance is everything, especially if you are planning on building a company for the ages, with products that are available for citizens of the U.S. and all other countries, and not just under special tax-haven conditions. For example, the SEC is there for a reason, to protect investors, all investors, traditional or otherwise. However, at the same time we believe in blockchain, in crypto, and compliance. But we don't see these two things as mutually exclusive, instead, we see them as actors that mutually enrich the possibilities out there.

Simply put, if you want to play the big league, we feel that doing the right way, is the only way.

[RADTEAM]

"It is time when you need to grow up and play by the rules, if you want to step into the world of grown up businesses."

An illuminating interview with our CEO, Alex Gerasimov about misconceptions behind utility tokens, securities and much more!

https://i.imgur.com/rkzIhnK.png

[RADTEAM]

We had a wonderful time in Seoul on our first Pre-ICO Roadshow event, thank you all for coming!

More pictures coming soon from Budapest - meanwhile, prepare for our Washington D.C. event next Monday!

https://i.imgur.com/zv3doEel.png

[RADTEAM]

"You can literally start a company somewhere on the islands and do any type of the ICO you want and then live happily with the crypto you got. Unless you want to create a real business, you want to have partnerships, you want product and you want to get away from this damned island. That is when you need to think about compliance but it is too late. And even if you are ok on this island, one day you can see a bunch of Agent Smiths coming because one of your investors (or rather utility token buyers) was a US person."

Legal ICO in 2018 – The Death of Utility Tokens?, a short interview with our CEO, Alex.

[RADTEAM]

Meet us on RAD Lending's last Pre-ICO Roadshow event in Washington D.C.!
Click here for further details.

https://i.imgur.com/ogOwohYl.jpg

[RADTEAM]

Thank you all for coming to our Budapest event!

More pictures coming soon from Washington D.C. - in the meantime check out our Investors' Deck which you can also see on this pic below.

https://i.imgur.com/aJdPnmQl.jpg

[Vladdirescu87]

Compliance and Credibility for P2P Lending, Meet RAD Lending

RAD Lending is announcing it’s Pre-ICO, the RAD tokens will be available to all investors, including U.S. accredited investors. The proposed RAD products include a p2p crypto-secured lending platform with revenue profit sharing, a crypto-backed card with a credit limit, digital credit scoring and credit history, and a potential decentralized blockchain-agnostic escrow service for managing security deposit across various blockchains.

Read the details in the article of Coinidol dot com, the world blockchain news outlet: https://coinidol.com/meet-rad-lending/

[RADTEAM]

Do you still think getting Whitelisted is complicated?
Let us prove the opposite with a smooth article about a smooth process.

https://i.imgur.com/TvAiqTJl.png

[sicionful]

You are remunerating individuals without a professional status. It is forbidden ? If it is with your token, it could be considered as a voucher but with another medium of payment (even fi it unregulated) it is a business transaction with VAT and proof of payment from the user receiving the fund ?

[RADTEAM]

Back in the winter we've studied a 100 successful ICOs worldwide. It was loads of work but totally worth it! Read our article about what we found.

https://i.imgur.com/q4rFkpwl.png

[LoveCryptoAll]

The plans of the project team are grandiose. I think that the project has great potential. I wonder how many Iks can earn on this project?

[RADTEAM]

You are remunerating individuals without a professional status. It is forbidden ? If it is with your token, it could be considered as a voucher but with another medium of payment (even fi it unregulated) it is a business transaction with VAT and proof of payment from the user receiving the fund ?

Hey sicionful! Not sure what you are referring to, but definitely not our case. We are offering our RAD Token in a compliant securities offering to compliant investors. Feel free to contact us in private if you have any more questions!

[RADTEAM]

Read our full Whitepaper here!

https://i.imgur.com/FRKAr0ll.png

[zenting]

I like the idea of your project.  Tell me, what will be spent on the funds that are collected at the pre-ICO?

[RADTEAM]

I like the idea of your project.  Tell me, what will be spent on the funds that are collected at the pre-ICO?

Hi there zenting and thanks for the compliment!

We have several milestones on the way to reach the total funds needed. For example, the first $1 million investment goal covers one year runway for RAD Lending, including the launch of P2P RAD Lending platform MVP for Bitcoin, Ethereum collaterals, Bitcoin, Ethereum, USD for credit products; the launch of the RAD wallet app MVP and RAD credit products MVPs. Each of our tiers includes our lending platform and credit product development, regulatory compliance, business development and marketing efforts.

You can find all of our milestone goals in our Whitepaper.

[RADTEAM]

https://i.imgur.com/lGgWNdql.png

[RADTEAM]

"With traditional financial products, like a crypto-backed but fiat-spending credit card now everyone can do several things at the same time: HODL, spend, invest, mine, and live more."

Watch our full video here:

https://i.imgur.com/TAwd0TMl.jpg

[RADTEAM]

"With core members that are recognised professionals [...] the technical leadership is a rare breed of blockchain professionals with experience of scaling real-world blockchain implementations with off-chain transactions on payment channels."

https://i.imgur.com/v8S0PpI.png

[RADTEAM]

https://i.imgur.com/FoElFiVl.png

[RADTEAM]

"Compliance and Credibility for P2P Lending"

Thank you for the brief introduction on CoinIdol! Read the article here.

https://coinidol.com/upload/resize_cache/iblock/76b/900_900_1/76b92e83fd1e0187e6606525b81c2bb7.jpg

[RADTEAM]

"One goal of this study was to paint the picture of the typical crypto user, as [this] could potentially help us understand the motivations, aims, struggles, the limitations blocking
him or her, and how to reach them."

Read our full HODL Survey here.


https://i.imgur.com/Z82TvQdl.png

[Dreaming]

How do I take part in the token sale?

[joblessminer]

How can I get whitelisted?

[earthcoin]

Does RAD Lending have any major competitors? If so, who and how do you plan to differentiate your product?

[Electrified]

This project has a nice concept, very realistic and has a great potential to our crypto economy. I should give credit to the dev tem although its too early for actively participating in this announcement thread, answering qeries from potential markets is very informative and useful have a chance to elevate the level of understanding of the veiwers. 

[RADTEAM]

How do I take part in the token sale?

Just go to Radlending.com, and click "Invest" in the top right corner! After going through our legally required KYC process (as we are doing an STO - security token offering), you will be able place your investments.

Minimum investment for US: $1000
Minimum investment for rest of the world: $200

[RADTEAM]

How can I get whitelisted?

If by whitelisting, you mean KYC verification, you can go through our investor panel!

[RADTEAM]

This project has a nice concept, very realistic and has a great potential to our crypto economy. I should give credit to the dev tem although its too early for actively participating in this announcement thread, answering qeries from potential markets is very informative and useful have a chance to elevate the level of understanding of the veiwers. 

It's never early to The 40% early bonus is available to only the select first investors!

[RADTEAM]

In the world of crypto, it’s not an easy task to stand out from the crowd – you have to secure constant growth and improvement for your business.

We have been working hard to secure continued funding in a project we firmly believe in. We’re very grateful to our investors who share our vision of RAD Lending, and with their continued support and flow of private round pre-ICO investments, we are to keep moving forward in reaching our goals.

https://i.imgur.com/Znz1igEl.png

[zenting]

The team have a very good start and marketing technique so there is no reason that they will not reach their goal if they continue like this. Smart investing is their key but they need to upgrade it once the platform become crowded to give satisfaction to all the customers

[RADTEAM]

The team have a very good start and marketing technique so there is no reason that they will not reach their goal if they continue like this. Smart investing is their key but they need to upgrade it once the platform become crowded to give satisfaction to all the customers

Thanks buddy! Feel free to follow us on Telegram for the latest updates!

[Dreaming]

How do I take part in the token sale?

Just go to Radlending.com, and click "Invest" in the top right corner! After going through our legally required KYC process (as we are doing an STO - security token offering), you will be able place your investments.

Minimum investment for US: $1000
Minimum investment for rest of the world: $200

Thank you so much for your detailed response! I've heard security tokens are bad, is that not the case?

[joblessminer]

How can I get whitelisted?

If by whitelisting, you mean KYC verification, you can go through our investor panel!

Can you explain to me the differences?

[Crypto_Man1212]

So if I participate in the ICO, when do I get my tokens?

[RADTEAM]

We're pleased to present the updated RAD website - with improved design and a more transparent layout for the perfect user-friendly experience.
Take a look at our brand new Revenue Calculator, where you can choose from several scenarios to study!

https://scontent.fbud4-1.fna.fbcdn.net/v/t1.0-9/35932227_426023894536661_300201244574613504_n.png?_nc_cat=0&oh=32987c4ef6f9fc6845d53270f8f96253&oe=5BEB2CBD

[Dreaming]

We're pleased to present the updated RAD website - with improved design and a more transparent layout for the perfect user-friendly experience.
Take a look at our brand new Revenue Calculator, where you can choose from several scenarios to study!

Very cool design! Do you have an in house designer?

[RADTEAM]

We have another little surprise!

We hope you've already checked out the brand new RAD Lending website - but did you notice that extra box in the right corner that says: "We are here to chat"?
Yes, it is for real. Thanks to Tawk.to, from now on we are really here to answer all your questions and discuss this wonderful project of ours! How cool is that?!
You can reach us every weekday from 10 a.m. to 7 p.m. CET, and even on Saturdays from 1 p.m. to 7 p.m.
Hope we'll talk soon - see you on RADLending.com!

https://i.imgur.com/IL3RIiRh.jpg

[joblessminer]

How can I get whitelisted?

If by whitelisting, you mean KYC verification, you can go through our investor panel!

Can you explain to me the differences?

Is there even a difference?

[earthcoin]

Does RAD Lending have any major competitors? If so, who and how do you plan to differentiate your product?

[Dreaming]

We have another little surprise!

We hope you've already checked out the brand new RAD Lending website ...
Hope we'll talk soon - see you on RADLending.com!

Is this the brand new lending site you're talking about?

RADLending.com

[joblessminer]

So a RAD is worth $3 right now? How'd you decide on this value? You wanted to have a smaller token pool?

[Crypto_Man1212]

When will I be able to use this to get a loan?

[RADTEAM]

"When it comes to the emerging cryptocurrency financial sector, there are several types of individuals and businesses that can benefit from an emerging P2P lending system."

Read our full article about P2P lending platforms here.

https://i.imgur.com/OkLYJa1.png

[Dreaming]

We're pleased to present the updated RAD website - with improved design and a more transparent layout for the perfect user-friendly experience.
Take a look at our brand new Revenue Calculator, where you can choose from several scenarios to study!

Very cool design! Do you have an in house designer?

Still wondering about this.

[RADTEAM]

We're pleased to present the updated RAD website - with improved design and a more transparent layout for the perfect user-friendly experience.
Take a look at our brand new Revenue Calculator, where you can choose from several scenarios to study!

https://scontent.fbud4-1.fna.fbcdn.net/v/t1.0-9/35932227_426023894536661_300201244574613504_n.png?_nc_cat=0&oh=32987c4ef6f9fc6845d53270f8f96253&oe=5BEB2CBD

Very cool design! Do you have an in house designer?

Still wondering about this.

Hello! Yes, you can check out our team members here:

https://i.imgur.com/v8S0PpI.png

[Riedbach]

I think many people will participate in this project. We need to spread the information about this project, so that as many people as possible can learn about it. Project Tokens can be purchased only for btc and ETH or for fiat, too, is possible?

[Crypto_Man1212]

Are there any notable products the team designed before?

[deeltje]

What country is this based out of?

[Shoesouse]

Have you guys approached any angel investors or had any interest from them at this point?

[RADTEAM]

How can I get whitelisted?

If by whitelisting, you mean KYC verification, you can go through our investor panel!

Can you explain to me the differences?

Is there even a difference?

KYC (know your customer) is the process of identifying personal data, when the client is required to provide some personal data that will confirm their identity. Technically it's just another way of getting whitelisted, so basically there's no difference. We're currently working with Shufti Pro and VerifyInvestor.com to manage KYC identifications.

[RADTEAM]

Does RAD Lending have any major competitors? If so, who and how do you plan to differentiate your product?

Hello, thanks for the question!
Well, most of all RAD Lending's basics are very close to Saltlending's in both products and the tools we use, but there is also TokenCard, Monaco or TenX which are similar companies. However, there is one point that makes RAD Lending different from other lending companies: if you research about the company, you will see that it really is prepared to be a success, not only another lending company lost in the market. We made this project as clear and transparent as we could in every ways - plus we're constantly adapting for every possible worst-case scenarios which can block our path and getting ready to make this U.S. based company available for everyone around the world.

[RADTEAM]

So a RAD is worth $3 right now? How'd you decide on this value? You wanted to have a smaller token pool?

Hi there, thank you for asking!

The tokens originally worth $5, the $3 price is for early investors until we reach a $1 million milestone. RAD tokens will have a limited supply, meaning that no new tokens will be created after the token sale. As if you get RAD tokens, you become a shareholder in the company as well. A total of 35,700,000 tokens will be created during the token sale. The maximum total amount contributed is $50 million. If the maximum amount is reached before the end of the sale, we will stop the sale.

[RADTEAM]

What country is this based out of?

RAD Lending Inc. is a US-based entity, with an office in Washington D.C.

[RADTEAM]

https://i.imgur.com/KvGMElU.jpg

[RADTEAM]

Meet our partners - Lykke

We successfully participated in an accelerator program ran by Lykke.com!
Not only it was exceptionally useful, but we still have great work connections and a good contact with this Swiss crypto exchange.

https://i.imgur.com/Z2qs69Kl.jpg

[Shoesouse]

Meet our partners - Lykke

We successfully participated in an accelerator program ran by Lykke.com!
Not only it was exceptionally useful, but we still have great work connections and a good contact with this Swiss crypto exchange.

What does Rad and their users get out of this partnership?

[joblessminer]

How easy is this to use for newbies?

[okspam]

Do you guys use a sort of credit scoring to decide who can be safely lent to?

[okspam]

Do you guys use a sort of credit scoring to decide who can be safely lent to?

[Judd-prov]

I hope good luck for the business. Faultless idea, clear-cut business, very nice idea.

[RADTEAM]

When will I be able to use this to get a loan?

As soon as we can launch the platform after the Pre-ICO and ICO periods - according to our plans we're going to do it this year.
You can see our full Road Map here:

https://i.imgur.com/ulEEnH1h.png

[Dreaming]

How do you determine how much people should be able to be lent?

[joblessminer]

How easy is this to use for newbies?

I think if you could make it simple enough to use, you could really expand people who would use you. Lendingclub was used by all sorts of people, not necessarily people who were internet savvy because they made it so easy to use.

You wouldn't need to know anything about crypto to use RAD if you guys make it simple enough to use.

[Dofus]

Will there be an Android app eventually?

[RADTEAM]

Thank you for the review Coinworldstory.com!

https://i.imgur.com/io9db43l.png

[Dreaming]

Thank you for the review Coinworldstory.com!

This graphic is awesome. When will you have a functioning debit card?

[joblessminer]

Is this for peer to peer lending, or from a more centralized authority?

[okspam]

Is this for peer to peer lending, or from a more centralized authority?

It's P2P, which is my favorite part about this. Having thousands of people competing to offer loans is sure to find the rock bottom interest rate.

[RADTEAM]

Our Telegram Community reached a 1000 members this week - and still counting!
Thank you all for your interest, we're beyond happy.
If you haven't seen our group yet, you can join here.

https://i.imgur.com/e1mWRVRl.jpg

[RyanPo]

I hope that the business will perform all that has been planned!  Good luck all.

[Dreaming]

What is it about blockchain that makes it so well suited for a project like this?

[RADTEAM]

Read the full interview here.

https://i.imgur.com/V7H1N3Ol.png

[Crypto_Man1212]

Read the full interview here.

Nice interview. Have you guys ever considered doing a podcast?

[joblessminer]

Do you have any projections for how many users you expect in 1 year?

[Dipsomaniac]

Has your project been featured on any news sites or shows?

[TheROBER]

Is there an advantage to going peer to peer rather than other types of decentralization?

I'm still curious about this, if anyone knows?

[HerrHeimlich]

What advantage does the blockchain provide for this project that normal lending platforms, such as Lending Club, does not? Obviously, security would be one. Anything else?

[bit-joker]

Will smart contracts be used to ensure that people actually pay what they owe? Keeping lenders around is going to be a big deal, so I'm just wondering how that will be managed. Will you be using things like credit score?

[Dreaming]

Have you had your project reviewed by anyone reputable?

[okspam]

How is this an improvement over more traditional lending models?

[Dipsomaniac]

How can I get a discount? It's not too late is it?

[hokuchii]

Hi guys!
Waiting for something more interesting here.
Reasoned logo, extraordinary results!

[Dreaming]

Have you had your project reviewed by anyone reputable?

There's a lot of really good Youtube reviewers you should look into I think.

[RADTEAM]

How do I take part in the token sale?

Just go to Radlending.com, and click "Invest" in the top right corner! After going through our legally required KYC process (as we are doing an STO - security token offering), you will be able place your investments.

Minimum investment for US: $1000
Minimum investment for rest of the world: $200

Thank you so much for your detailed response! I've heard security tokens are bad, is that not the case?

Security tokens are not worse than utility tokens, although they are working differently. With utility tokens as an issuer you are free to do almost anything. They are not as regulated as security tokens, and unfortunately, most state regulators think they are not legit. With security tokens, an investor gets significant protection even just because the issuer's hands are tied by security law regulations. For example, owning RAD Tokens make you a share owner of RAD Lending Inc., a U.S. registered company, and as investor, you are protected by the laws and regulations of the land.

[RADTEAM]

So if I participate in the ICO, when do I get my tokens?

Right after you sent your investment to us we determine how much RAD Tokens you are entitled to according to the current exchange rates. You will see this number in your investors panel. After the commencement of the pre-ICO, we will create token contract and send tokens to all pre-ICO investors.

[RADTEAM]

What is it about blockchain that makes it so well suited for a project like this?

Blockchain and smart contract logic can add an unprecedented level of transparency and decentralization into the lending platform. Borrowers will be able to release their collateral simultaneously with loan payments, and lenders will repossess the collateral in the case of borrower default—with no centralized counterparty involved in the process.

[RyanPo]

Hi, team.
I expect your plan runs successfully!
Unblemished website, certain results.

[RADTEAM]

Hi, team.
I expect your plan runs successfully!
Unblemished website, certain results.

Thanks very much - we're on it!

[RADTEAM]

Are there any notable products the team designed before?

Hello, thank you for asking! This is the first time we work together like this – we were very careful choosing our team members, and fortunately it turned out as a creative, well-functioning group that can face any difficulties.
If you’re interested in other individual works of our team members you can read more about us on RADLending.com!

[RADTEAM]

Hello everyone!

Our new weekly RAD Raffle is on!

Click on the pic below and share the linked post on Facebook to participate!

You can read more about our game here.  
Follow our Weekly RAD Raffle topic to stay updated!


https://i.imgur.com/UzM8vW9.jpg

[Ovubev]

Hey fellows.
I want the project luck! Wise logo, faultless logo!

[Dreaming]

How does the volatility of this market affect lending? When you loan someone $20k and next month it's only worth $10k, what are the repercussions?

[joblessminer]

Do you have any projections for how many users you expect in 1 year?

Still wondering about this actually.

[RADTEAM]

How does the volatility of this market affect lending? When you loan someone $20k and next month it's only worth $10k, what are the repercussions?

Good question, thank you! Overcollateralization helps to run through volatility with crypto collaterals. Margin call mechanism, similar to the one used on traditional exchanges for margin trading will help to prevent losses on the loans. We have a model for collateral management, risk management and margin call scenarios. It is partially outlined in our white paper, which you can read here.

[RADTEAM]

I think many people will participate in this project. We need to spread the information about this project, so that as many people as possible can learn about it. Project Tokens can be purchased only for btc and ETH or for fiat, too, is possible?

Hello there! Thank you for the kind words and wishes, we hope that too
To answer your question, you can purchase tokens for BTC, ETH and USD as well.

[RADTEAM]

How easy is this to use for newbies?

I think if you could make it simple enough to use, you could really expand people who would use you. Lendingclub was used by all sorts of people, not necessarily people who were internet savvy because they made it so easy to use.

You wouldn't need to know anything about crypto to use RAD if you guys make it simple enough to use.

Hello there!

We tried to develop it as simple as it can be. We're still on the way though, but you can check out our Whitepaper to learn everything about the project. If you're interested in investing, we even wrote an article about the process to make it easier and more transparent - you can read it here!

[RADTEAM]

Have you guys approached any angel investors or had any interest from them at this point?

We have a closed group of early investors, providing our seed funding for the project and the pre-ICO.

[RADTEAM]

How can I get a discount? It's not too late is it?

Hello! You can still invest with a 40% bonus on RADLending.com!

[ThaBatc]

I think that this project is rather a gainful investment at the present time.
 Good luck fellows!

[RADTEAM]

Already have plans to invest in RAD Lending?
We wanted to make it as easy for you as it should be, so we wrote a short guide how to do this process.
We promise it's super simple - read it here.

https://i.imgur.com/bEPXqL8l.png

[RADTEAM]

Due to the sensitive and unique nature of STOs (Security Token Offerings), we were hard pressed on finding a suitable third-party backend.
At the end of the day, we decided that creating our very own panel would be the best route for us - and honestly, it was the best decision so far.
Check out our new Investor Panel and invest now for a 40% bonus!

https://i.imgur.com/4AkcKYSl.png

[admosfir]

this project can reach high rate on trackico, that's mean this project is really promising to be successfull. any bounty ??

[RADTEAM]

this project can reach high rate on trackico, that's mean this project is really promising to be successfull. any bounty ??

Hi there, thank you! Please, check out our weekly RAD Raffle, play and win $150 worth RAD Tokens every week!

[RADTEAM]

Our recent RAD Raffle game is on!
Play and win $150 worth RAD Tokens weekly!
For more information please visit our topic.

https://i.imgur.com/DRoF8dN.jpg

[RADTEAM]

CrowdCheck delivers due diligence, disclosure and compliance services for online capital formation.
We have a lot to thank to this company as our legal advisors, this whole business wouldn't run this smoothly without them.

https://i.imgur.com/PozGdT8.png

[Guy Thompson]

Good night, fellows! I hope that the idea will carry out all that has been target.

[Limotine]

Hello, team.
very nice plan, hope in the future can run in accordance with the planned.

[Bedell_Il]

Hello all! You require to append token details to allow participants to get in the plan.

[EdwardRobe]

I like your idea.
Riveting website, classy logo, unprejudiced activity.

[yudi09]

Did you know?
We released a survey last month about cryptocurrency usage habits, with the help of more than a 100 participants.
You can see the results here.

that's true, as I read surveyed about investors or gift recipients they prefer HODL token them instead of using for payment or anything else. then what does the team conclude with the survey results?

[Ridorie]

Devs, do you have one-pager with the most important information to attract investors at the stage of acquaintance with the project? It takes a lot of time to study a white paperer.

[RADTEAM]

Devs, do you have one-pager with the most important information to attract investors at the stage of acquaintance with the project? It takes a lot of time to study a white paperer.

Hello there! Of course, please take a look at our Investor Deck!

[RADTEAM]

"With RAD Lending planning a token sale for the development of the P2P lending platform, launching an STO could just be the only way to the top."

STOs are the safest and most certain option if you're planning to grow big. Read the full article on Newsbtc!

[RADTEAM]

https://i.imgur.com/Qwtzpgv.png

[mientoeg]

"With RAD Lending planning a token sale for the development of the P2P lending platform, launching an STO could just be the only way to the top."

STOs are the safest and most certain option if you're planning to grow big. Read the full article on Newsbtc!

with its lending there is on offer by RAD Lending, I think this is very helpful for people who are trouble

[RADTEAM]

A part of our planned Token Distribution.
Our intention is that RAD tokens will have a limited supply, enforced by the smart contract,
meaning that no new tokens will be created after the token sale.

https://i.imgur.com/AkCbXkt.png

[Gabriel_Mari]

Looking forward for more updates.
Pretty good website, arguable results!  Good luck.

[RADTEAM]

Don't forget: our weekly game is still on today, click >>>here<<< and Retweet the Tweet to join!

[Biaseroma]

It seems of this project will be preferably in the near future!
 Good luck all.

[kalehon]

Do you plan to participate in conferences and meetings with investors. Can you hear about your project from the speakers?

[RADTEAM]

A part of our planned Token Distribution is to keep 32% for early Investors and technology platform partners.
Want to see the rest? You can do that on radlending.com!

[RADTEAM]

Last week's RAD Raffle winners are here!

Click on the picture below to reveal!
Thanks everyone for playing - look for next week's raffle launch tomorrow in our RAD Raffle topic!

https://i.imgur.com/9zJHGTZ.jpg

[RADTEAM]

Part of our planned Token Distribution is to reserve 30% of the tokens for future funding rounds.
These tokens may never be sold if the second rounds will not be needed.
Interested in the remaining 70%? See it on radlending.com!

https://i.imgur.com/nEvsNP6.png

[RADTEAM]

"For us, it is about being here for the long run."


Read this interview with RAD Lending's CEO, Alex Gerasimov about the importance of accuracy and carefulness in creating a crypto-based business.

https://i.imgur.com/gXVNUMO.png

[RADTEAM]

Our newest RAD Raffle is on - this time for two weeks!

RETWEET >>THIS TWEET<< TO PARTICIPATE,
AND WIN $150 WORTH OF RAD TOKENS WITH ONE RETWEET!

Valid until next Friday!

For more infos please visit our RAD Raffle topic.

https://i.imgur.com/YIJJVx4h.png

[RADTEAM]

The part of our Token Distribution plan is to keep 5% for our advisors.
This amount is locked for one year by the smart contract.
Considered “restricted securities” as defined in the US Securities law.
Wonder where the rest goes? See it on RADLending.com!

https://i.imgur.com/UHTdn59l.png

[RADTEAM]

Part of our Token Distribution Plan is to save 3% for future hires.
These tokens are to help attract the best talent.
Interested in the rest? Visit RADLending.com!

https://i.imgur.com/G9mPGrkl.png

[PetersonWayne]

Hey, fellows! I wish the idea advance.
Arguable website, outstanding approach.

[RADTEAM]

If you want to know more about our credit card, you can take a look at it on our website's RAD Card section!

https://i.imgur.com/RNTFamVl.png

[RADTEAM]

If you want to find out more about our Lending platform, visit our website's Lending section!

https://i.imgur.com/SgxOo2Gl.png

[chisei]

I think this plan is very interesting and nice.
Justifiable project, interesting design, brilliant job!

[RADTEAM]

Remember, our RAD Raffle is still running!

RETWEET >>THIS TWEET<< TO PARTICIPATE,
WIN $150 WORTH OF RAD TOKENS WITH ONE RETWEET,
AND BECOME A SHAREHOLDER OF RAD LENDING!

To find out more, please visit our RAD Raffle topic here.

Valid until Friday!

[kalehon]

Interesting idea, with this kind of project will make shopping for everyday need  will be a lot more easy.
I think many peoples will be happy with this.

[thinkme1st]

I saw lot of Lending projects from last few months and the last one i knew was moneytoken which collected good money in ICO and are still in developing phase. You need good marketing campaign to compete with others in this category.

[RADTEAM]

Check out our uniquely developed Investor Panel, and while you're there, join our community for a 40% bonus!


https://i.imgur.com/4AkcKYSl.png

[RADTEAM]

Our new RAD Raffle is on!
RETWEET >> THIS TWEET<< TO PARTICIPATE,
AND WIN $150 WORTH OF RAD TOKENS WITH ONE RETWEET!

https://imgur.com/a/zz5y0qz

[RADTEAM]

Click on the picture to reveal our latest Rad Raffle winners!


https://i.imgur.com/aupaxAn.jpg

[RADTEAM]

This base scenario describes a moderate card APR - a bit lower than current US average -,
moderate $300 monthly spending volume on a card, $1000 average card debt for accounts that incur debt.

See the rest on RADLending.com!

https://i.imgur.com/87R94kFl.png