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Author Topic: Credefi combines the best practices of DeFi and traditional finance  (Read 3248 times)
Credefi
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April 13, 2021, 11:26:49 AM
Last edit: April 16, 2021, 09:14:07 AM by Credefi
 #1

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Credefi. DeFi lending
marketplace, where
real assets meet crypto.







About The Project

Credefi is the world's most advanced crypto peer 2 peer lending platform,
that combines the best practices of DeFi and traditional finance.

Our hybrid mechanism solves real life problems and inefficiencies of the
conventional banking and finance sector, and provides unique
opportunities for both borrowers and lenders.

Credefi allows platform participants to invest in credit portfolios, individual
credits, or do trade finance, directly through their personal wallet.
Banking redefined.



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Our Features


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Passive income
generation


The token holders will have the choice to invest stable coins in different
portfolios depending on the risk they are willing to take.

The platform will provide a risk assessment and credit score data to the
investors, hence giving them the means to make an informed decision.

The platform guarantees a minimum 10% return on annum or more,
depending on the risk appetite of the user.
















Trade finance

Credefi is aimed to combine traditional banking instruments with the
aspect of decentralization, offering the full length of services to its
customers.

Credefi will introduce trade finance to its offered services. Lenders and
borrowers will be able not only to meet in a deal but also to underwrite
a Letter of Credit or a Letter of Guarantee, as well as factoring services.

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Lending and borrowing

Credefi will take full advantage of the decentralized finance capabilities of
the blockchain, with direct peer-2-peer finance, liberalizing the process of
lending and borrowing by connecting the willing parties worldwide.

In addition to the collateralized loans, Credefi platform will be able to
provide zero-collateral loans on a case-by-case basis.









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Lenders Protection

The security of the funds provided on the platform is one of our main priorities and therefore, we will create a second line
of defense against loss of funds due to default of credits with no collateral. Credefi introduces a security module where
CREDI token holders can support the security of the system and get rewarded with xCREDI for this.



Risk Assessment Process


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Step 1: Credit Proposal


● Customer Profile
● Business Plan
● Market Analysis
● Financial Projections
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Step 2: Credit Policy
Rules


● Requirements based on
   key financial ratios   
● Collateral valuation
● Specifying loan amount
   and tenor
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Step 3: Credit Scoring
Model


Internal credit rating Application
data score:
a) Industry sector
b) Geographical region
c) Company age
d) Purpose and tenor of the loan
e) Past credit delinquency and debt
servicing behaviour information
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Step 4: Risk Opinion


Comprehensive risk opinion
considering credit policy
rules and credit score, as well
as investment project specifics
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Strong points in credit risk assessment:
         
● Building up on the best practices from the banking sector for SME financing and risk management      
● Strong updates on the loan’s credit quality and performance through behavioral credit models         
● Credit scoring models that are regularly fine-tuned with the increasing number of transactions and borrowers on the platform




Token Economy
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CREDI

The CREDI token is the main token used for rewards on the Credefi
platform and the token used in the token sale. CREDI has a perpetual
inflation of ~5% based on the initial CREDI token supply.

This means that an equal amount of new CREDI will be released into
the system each year, meaning that the percentage Year-on-year
inflation will decrease over time.

● Users who provide lending liquidity on the platform
● Liquidity providers for CREDI on UniSwap
● Liqiudity providers for xCREDI on UniSwap






xCREDI

xCREDI is obtained by depositing CREDI in the security module.
Any CREDI deposited in the security module is subject to 10 months
vesting at a rate of 10% per month.

As an example: if a user deposits 1000 CREDI in the security module
and the current CREDI/xCREDI conversion rate is 1:1, this user will
get 100 xCREDI per month for 10 months.

Any CREDI with is not yet converted to xCREDI is usable by the
security module for system stability.

Conversion rate. The CREDI/xCREDI conversion rate is defined as a
bonding curve, where the more CREDI is converted to xCREDI, the
more expensive subsequent conversions become.

The exact bonding curve is described in the Tokenomics paper.
Any CREDI which has already been converted to xCREDI is burned.
This means that even though CREDI has a constant annual inflation,
it could become deflationary in the long run, depending on
how much of it is converted to xCREDI.
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Why Credefi?


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Expertise



Fair deals
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Accredited financial institution



Security
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High APY



Decentralization



Few Steps For a Loan


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01. Register on the platform

In order to use Credefi platform capabilities, you first have to register.
Don’t worry it takes less than a minute!
1234567891011




02. Own some CREDI

CREDI is our platform native token. It provides both rights
and rewards for its token holders.





03. Request a loan

Requesting a loan is simple. Just fill out the form provided.
If there are additional questions, our team will be in touch.




04. Preliminary Funding Agreement

After loan application is reviewed you will receive preliminary
funding agreement.





05. Get financed by platform users

Receive financing in stable coins. Cash out.





06. Accomplish your ideas!





Roadmap







Executive Team


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IVO GRIGOROV
(Co-Founder & CEO)


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VALENTIN DIMITROV
(Co-Founder & CEO)


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Ivo is an experienced Finance Specialist with a demonstrated history
of working in the banking industry. He was extensively involved in the
development and design of diverse financial instruments in both debt
and equity segments. His skill set includes expertise in Market and
Credit Risk, Capital Adequacy, and Management. As a strong banking
and finance professional with a Master of Science (MSc) focused in
Global Banking and Finance from European Business
School(EBS) – London, he has a proven track record on successful
implementation of financial products. Ivo has been in the blockchain
and crypto market since early 2016 and a firm believer
of its future applications.
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Valentin is a Co-Founder of Credefi and has a vast and diverse
background in both the financial and technology sector. He gained
his experience through his work for European Parliament
(ECON committee), VTB Capital and a Fund of Funds with more than
600 million euro under its management. As an early adopter of
bitcoin and Ethereum since 2013 while completing his degree in
Bocconi University, and a technology enthusiast who has expertise in
Cybersecurity matters, Valentin is a major asset of the Credefi team.



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Valery Beltchev
(CFO)


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Lyubomir Blagov
(CTO)



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Graduate of Harvard University (MPA), MA in Finance and Banking
from Paris 2 Pantheon-Assas, and PhD in banking from UNWE, Valery
has a long track record in working with tier one banks such as HSBC,
Fortis Bank and Crédit Agricole Bank in France. He has been in charge
of big corporate clients with Société Générale in Bulgaria.
He was a partner in the company representing Rothschild & Cie in
Bulgaria. He was Head of Strategy and Development of the Bulgarian
Development Bank, and Chairman & CEO of Fund Manager of
Financial Instruments in Bulgaria (a national promotional institution
operating as fund of funds for distribution of European Structural and
Investment Funds with EUR 600 million assets under management).
Valery has an immense drive for innovation and passion for fintech.
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Lyubomir has more than 10 years of experience in the technology
sector. He has worked on multiple international projects with
millions of daily users. Lyubomir possesses vast knowledge in
established technologies and is always fascinated with the new
ones, such as Blockchain. In addition, he founded a company that
focuses on Ethereum and has already developed several successful
projects. As a skilled professional, Lyubomir will be able to make the
whole project become a reality and is therefore an integral part of
the Credefi team.



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April 13, 2021, 01:17:53 PM
 #2

We are happy to welcome you on the Credefi social media page!

You may think the only thing we are going to talk about in our posts is our project’s upcoming public sale, but that isn’t the case at all.

🚀 Credefi  offers cutting-edge financial solutions. This field of innovative technology is now changing the very world around us, and we are going to be covering this topic on our social media.

☑️ We will tell you about what the blockchain technology is and how it will help make our project as transparent and fair as possible; what smart contracts are, and how this technology benefits everybody, and, finally, what DeFi is and why this technology has become so popular in the past few years, so much so it keeps attracting more followers each day.

☑️ We will also talk about Credefi and why you should take a look at our project. In fact, the answer is on the surface: Credefi has been built using cutting edge technology that allows making modern financial tools more accessible. 

☑️ We use blockchain technology to make sure the project is fully transparent and reliable. We will further elaborate on that in the future.

👍 Stay with us! Lots of interesting things ahead!

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April 13, 2021, 04:09:39 PM
 #3

Let’s talk About DeFi?

In today’s post we would like to remind you that Credefi is a DeFi project, which means that to get the most benefit, you need to know more about DeFi!

DeFi stands for Decentralized Finance. Decentralization is a process of distributing the power among all the participants of a system, without a central governing body. Today, the majority of traditional financial and state systems are centralized, and this approach is plagued with flaws. The main issue is that they have points of failure: a security breach or a central server/facility malfunction negatively affects the rest of the system.

Originally, cryptocurrencies were developed as a decentralized network that has no single point of failure, which makes it democratic, more stable and efficient compared with regular money.

The technology behind decentralization in Bitcoin and most other cryptocurrencies is called blockchain. Blockchain gives every user the ability to serve as a node that checks the validity of transactions.

💡 What do users get from decentralization? Here are a few key advantages that users get from decentralized systems:

🔸 No need to trust a central authority that might be incompetent, vulnerable to attacks, or even have ill intentions.

🔸 Less censorship. Governments often restrict their citizens’ access to various websites and social media. Censoring traffic in a peer-to-peer network is much more difficult, because every package can be sent to every other node on the network, and they will relay this data further.

🔸 Most of the applications on the network are open source. Anyone can copy some or all of the code, and create their own applications with it. The more decentralized products come out, the more advantages and opportunities open up for the network users.

🔸 Proper economic incentives. Users who support the network get rewarded for it financially. The more support they provide, the more they are rewarded.

Of course, decentralized networks have their downsides too: they are usually slower to develop, have lower adoption rate, might be more expensive or have lower efficiency at the time of launch. However, most users agree that the end result is worth the effort.

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April 14, 2021, 11:02:29 AM
 #4

The World of the Traditional Credit Industry Can Leverage Blockchain Through Credefi

📝 Friends, another day, another great news! IHODL, an international media outlet, has published an article about our project!

➡️ Click the link to  read the full article and learn more:
https://ihodl.com/analytics/2021-04-12/world-traditional-credit-industry-can-leverage-blockchain-through-credefi

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April 14, 2021, 04:18:25 PM
 #5

What is Credefi?

💢 Credefi is a project that aims to create a decentralized platform, which solves both conventional finance and DeFi real world problems. Our project serves as somewhat of a bridge between the world of DeFi and that of traditional finance, taking the best of both and combining it in one incredibly convenient and user friendly product!

💢 Credefi was designed in a way, where each participant can lend and borrow money on a decentralized platform, where the contracted interest is determined by his own individual risk appetite. Users will have the ability to not only take out and provide loans, but also invest in credit portfolios, increasing their potential earnings!

💢 In addition, Credefi will provide the means as well as new opportunities to make informed investment choices in order to bring a high rate of return, while helping those in need, but neglected by banks. Credefi has structured its native platform CREDI token to be both governance and reward generating token. Its holders will be able to suggest and vote on decisions related to the development and functionality of the platform, but will also receive rewards and benefits from utilising it on the platform.

➡️ Visit our website to learn more https://credefi.finance

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April 15, 2021, 12:45:21 PM
 #6

What is blockchain and why is this technology so important?

The idea at the core of blockchain has been around since 1991, but it was only after 2009 that the technology got proper recognition, when Bitcoin was launched by the mysterious person (or even a group) called Satoshi Nakamoto. The true identity of Satoshi hasn’t been found until this day, but his technological innovation has succeeded in making the world reconsider the way we create and use money.

BTC transactions are peer-to-peer, which means that money flows directly from one user to another, without involving authority such as banks, regulators, or governments, etc.
This is as transparent and safe as it gets — all transactions are traceable, yet can’t be regulated by authorities.

This technology ensures maximum transparency, reliability and security of transactions. Blockchain can increase efficiency and security across a wide range of industries and businesses (financial sector, charity, supply chains, healthcare, etc).

Blockchain-based projects pop up every day! This is exactly the technology we are leveraging to advance the financial market and create a unique product that will improve millions of lives with technology and new tools for securing income.

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April 16, 2021, 01:22:48 PM
Last edit: April 16, 2021, 10:13:12 PM by Credefi
 #7

👏🏻 We are happy to share an article from Cointelegraph that conveys our opinion: https://cointelegraph.com/news/defi-s-critical-missing-piece-credit-scores

We have been working hard on choosing the most objective and fair criteria. We would be excited if you read our article where we laid out what we’ve achieved so far.

Credefi’s answer to the pointed market inefficiency

It is true that the lack of knowledge and information for the borrowers in the Defi segment leads to the necessity of over-collateralisation, however the proposed solution to the problem in the article is far away from actual implementation. Although on-chain credit scores are a possibility in the far future, today they are but just a dream.Moreover, there will be no real proof that credit scores computed off-chain will be the result of robustcredit risk modelling and sound quantitative risk management practices.

The use of over-collateralization in the beginning of any project is the most basic form of risk management when there is no source of a trustable measure of creditworthiness. Therefore, if we consider a P2P lending project, the main issue becomes how to create a credit risk assessment framework (and as a consequence credit models and scores) that will serve two main purposes:

- first to provide the lender with quantification of credit risk that can be trusted and
- second to show the borrower that he has been assessed objectively by unbiased statistical methods.

These two elements will provide the necessary anchoring to the negotiation between the lender and the borrower. They could obviously reach an agreement for the loan at a different price level. They could bargain and speculate, but at the end of the day, theme asure of a fair credit risk score (and corresponding risk premium) would be the assessment of the majority of market participants. As long as the offer meets the demand, it signals good efficiency of a risk-based pricing agreed by the market.

The introduction of viable credit risk scores would thus make it possible for real economy businesses with potential to be financed at fair prices in the DeFi space and not to be ripped off by crypto market enthusiasts seeking to ride the next bull market and get an abnormal profit.

In summary, risk scores need to be trustworthy, robust and based on proven risk management practices. At Credefi we have designed a bridge between the current Defi marketplace and the future by merging the traditional risk management tools with the decentralised decision making. Our framework relies on sound technical infrastructure able to handle big data computations and real time risk scoring, and proven risk management practices Both will be continuously applied over the growing lending activity on the platform to arrive at a risk-based pricing that will be representative for all markets we operate in.

The credit score system implemented on the platform applies both quantitative and qualitative criteria.

Qualitative criteria:
- Know your customer (KYC)
- Professional experience
- Age of the borrower
- Reputation and management’s expertise
- Credit history and liabilities in public registries
- Proof of ownership and right to representation

Quantitative criteria:
- Credit Policy Rules. Hard credit criteria that set exposure thresholds and minimum levels for specific financial ratios based on the credit product type and borrower’s segment
- Application Scorecards. Statistically developed based on our historical credit portfolio

The combination of the criteria above allows for the application of a model that provides to the lender a statistically accurate probability of successful repayment of the loan they choose to finance. Through the collection of historical data on the credit deals done on the platform the models are adapted,statistically validated over time and refined with the increasing amount of data in order to produce risk-based pricing that will be accepted by the market as fair and objective. Only with this approach we can expect to apply the automated truly decentralized lending in the future. The collection and management of data is the only means by which the model can evolve and enable true decentralized decision making in the future.
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April 16, 2021, 06:00:10 PM
 #8

Benzinga About Credefi

We would like to share a review of our project by Benzinga! If you wanted to learn more about our unique approach to lending in DeFi — follow the link below:
https://www.benzinga.com/markets/cryptocurrency/21/04/20601969/new-defi-lending-project-credefi-offers-a-unique-approach-to-lending-and-investing

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April 17, 2021, 11:05:02 AM
 #9

Credefi at Bitcointalk

If you’re looking for the best place to discuss cryptocurrencies, Bitcointalk becomes the obvious number one choice — it’s the oldest and biggest internet forum about the blockchain technology and cryptocurrencies as a whole. The website launched in 2009 when Bitcoin was worth just about a fraction of a cent.

Originally, Bitcointalk was created by Satoshi Nakamoto – the creator of Bitcoin, who may or may not be a person or a group of people whose identity has remained in the shadows ever since. Prior to creating Bitcointalk, Satoshi would use SourceForge to discuss his creation. Unfortunately, the logs of those discussions are gone now. His original Bitcointalk profile is still available – last seen online 13 December 2010.

According to stats, there are 3.2 million registered users on the forum who have written over 56.6 million posts in total. Since its creation, Bitcointalk has had a few billion pageviews. An average of 500 new users sign up every day with the ratio of men to women at 4:1.  Bitcointalk.org was built with SMF – an open-source software pack. Its design and functionality haven’t really changed since the day it launched. The “Announcements (Altcoins)” subforum is one of the most popular on the entire website, followed by “Bitcoin discussion” and “Altcoin discussion”.

✅ Our project has decided to start a thread on that subforum – we invite you to visit the official Credefi project thread https://bitcointalk.org/index.php?topic=5330290

We will be glad to see you among the visitors of our Bitcointalk thread where you can share your opinions and give feedback!

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April 17, 2021, 11:30:20 AM
 #10

The community continues to grow, and what are your goals in this regard by the beginning of summer?
The project will develop according to the roadmap. We will continue to increase the number of users

Can you tell me guys, what will be the price for public and private sale?
In private sale, the price of 1 CREDI will be $0.07 and we will offer 10 million CREDI.
Actually, this is only for private sale after that we will also conduct public sale in which the price of the token will be $0.10 and we we will offer 110 million Credi.

Guys there will be many investment options in your project, where investors themselves will decide where to invest their money, did I understand correctly?
Yes, Credefi is a project that aims to create a decentralized platform, which solves both conventional finance and DeFi real world problems. It utilizes the strengths of both domains in order to create a hybrid model that will give users real world applications and usability. Credefi was designed in a way, where each participant can lend and borrow money on a decentralized platform, where the contracted interest is determined by his own individual risk appetite. The project will revolutionise the way your money is utilised by providing full spectrum of services, creating hybrid approach between DeFi and traditional banking. The platform will connect the willing parties not only in the form of peer-to-peer lending and borrowing, as many of our competitors already do, but also allow to invest in whole credit portfolios, and provide trade finance services, directly from your own personal wallet.

You can also read more about our project in whitepaper: https://credefi.finance/documents/wp.pdf
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April 19, 2021, 04:59:33 PM
 #11

Meet the team: Ivo Grigorov, Co-Founder & CEO

We believe that every project needs to have an innovative idea, but it takes a strong team to bring that idea to reality. Credefi has both – a brilliant idea and a team of like-minded professionals who are building it to last. Today we would like to introduce to you our Co-Founder & CEO - Ivo Grigorov.

Ivo is an experienced Finance Specialist with a demonstrated history of working in the banking industry. He was extensively involved in the development and design of diverse financial instruments in both debt and equity segments. His skill set includes expertise in Market and Credit Risk, Capital Adequacy, and Management. As a strong banking and finance professional with a Master of Science (MSc) focused in Global Banking and Finance from European Business School (EBS) – London, he has a proven track record on successful implementation of financial products. Ivo has been in the blockchain and crypto market since early 2016 and a firm believer of its future applications.

☑️ If you have questions for Ivo, he will be more than happy to answer them in the project’s chat.

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April 19, 2021, 05:16:18 PM
 #12

Hello, how long has this project existed, and is there an article about the team of this project, I would like to know as much as possible about it
we tell more about the team in our publications and on the project website https://credefi.finance

Basically right now the concept of platforms which provides different opportunities for borrowers and lenders are pretty popular. Can you tell what makes your platform special?
The core idea is to create a positive feedback loop and mutual benefits between all stakeholders of the Credefi network.

Credefi addresses this topic differently:
• Option for peer-to-peer loans;
• Offers full spectrum of financial services;
• Passive lending;
• Peer-to-peer project-based lending;
• Trade Finance;
• Credefi is backed by a regulated EU financial institution, which provides endless
know-how and opportunities as well as legal protection for both lenders and
borrowers.
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April 20, 2021, 11:40:59 AM
 #13

Market Problems, Credefi Solutions

It is time to tell you why we have decided to launch our project and what problems of the market we are going to solve. Today’s post will be discussing exactly that.

It’s easy to guess that Credefi is a project about finance and credit. Now, what market problems does it actually solve?

Banks are inefficient when it comes to working with borrowers and lenders. A lot of potential borrowers have no access to loans due to over restrictive regulation and centralized, slow decision making and operations. In their turn, lenders have no control over where their money goes, and have to contend with low yield rates on their capital.

The banks use for an excuse a variety of general global threats which allow them to deem the all-time-low interest they pay – “the best possible yield in the current state of the world economy” while still keeping in vail where your money is invested and how much they earn. We challenge you to call your bank and ask them what interest they will give you for a deposit of EUR 10 000 and what interest they will charge you for a loan of that amount. We are sure you won’t like the results.

At Credefi we believe that since it is your money, you should have control over where and in what assets they are invested and the return yield from this should be paid in full to the actual provider of the funds - you. We are working on building an efficient pipeline for choosing potential clients and assessing risks, which we have covered in our Medium.

We aim to turn the banking industry into a decentralized system, where each participant has the rights to the majority of the profits for taking the risk of lending their funds.

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April 20, 2021, 11:45:08 AM
 #14

May I ask guys, how does your platform solve conventional lending problems?
Credefi is a project that aims to create a decentralized platform, which solves both conventional finance and DeFi real world problems. It utilizes the strengths of both domains in order to create a hybrid model that will give users real world applications and usability. Credefi was designed in a way, where each participant can lend and borrow money on a decentralized platform, where the contracted interest is determined by his own individual risk appetite. The project will revolutionise the way your money is utilised by providing full spectrum of services, creating hybrid approach between DeFi and traditional banking. The platform will connect the willing parties not only in the form of peer-to-peer lending and borrowing, as many of our competitors already do, but also allow to invest in whole credit portfolios, and provide trade finance services, directly from your own personal wallet.

Hi, I want to know, how many tokens do you plan to sell on a private sale in May?
In private sale, the price of 1 CREDI will be $0.07 and we will offer 10 million CREDI.
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April 20, 2021, 08:21:34 PM
 #15

Coincodex about Credefi

CEO of Credefi Ivo Grigorov gave an interview to a Coincodex reporter. If you want to learn more about our project — see the big article about Credefi on Coincodex at the following link: https://coincodex.com/article/11067/10-questions-for-ivo-grigorov-the-ceo-of-credefi

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April 21, 2021, 11:51:39 AM
 #16

💡 What is Passive Income?

🤓 Do you know what passive income is?
This income is independent from your daily activities. This includes interest from bank deposits, dividends, rental payments, royalties from intellectual property or patents. This kind of income doesn’t require you to take daily actions (as opposed to a paycheck that you have to earn).

There are many ways to secure passive income. The most common is a bank deposit, however, in this case the yields will be minimal.

We are creating new passive income options for the Credefi project community. The token holders will have the choice to invest stable coins in different portfolios depending on the risk they are willing to take. The platform will provide a risk assessment and credit score data to the investors, hence giving them the means to make an informed decision. The platform guarantees a minimum 10% return on annum or more, depending on the risk appetite of the user.

🔺 Learn more at https://credefi.finance

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April 22, 2021, 12:02:56 PM
 #17

Want to learn more about Credefi?

It’s easier than you might think! To begin, visit our website: https://credefi.finance

There you will find information about our project, token, developer team and a lot of other interesting things! Think this is not enough? Subscribe to our social media pages:

🔅 Telegram chat https://t.me/credefi
🔅 Telegram channel https://t.me/credefi_news
🔅 Reddit https://www.reddit.com/user/Credefi
🔅 Twitter https://twitter.com/credefi_finance
🔅 Bitcointalk https://bitcointalk.org/index.php?topic=5330290
🔅 Medium https://medium.com/credefi
🔅 LinkedIn https://www.linkedin.com/company/credefi
🔅 Discord https://discord.gg/R5C9tpZY3t

And another important thing: make sure to check our whitepaper!

🔺 To do it, visit our website or follow this link https://credefi.finance/documents/wp.pdf

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April 23, 2021, 10:54:40 AM
 #18

AMA Session with Credefi Executive Team

Great News for everyone!

🕐 AMA Session with Credefi executive team will take place on Saturday 24th of April.

💡 The idea of the AMA is for the executive team to participate and answer questions in other Telegram groups which might have interest in the project.

💬 If you have a question, now is the time to ask it! We want more people to know about Credefi, and have limitless access to the information about our project!

Thank You

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April 23, 2021, 02:21:35 PM
 #19

What are ETH smart contracts?

And why do you even need this information? We want our users to have a deeper understanding of how modern technology works, so we are sharing this knowledge with you, some of it basic, some of it advanced. Credefi is using smart contracts to achieve full transparency and accountability, so let’s try to unpack what this actually means!

Smart contracts are applications that run on the Ethereum Virtual Machine (EVM). These are applications that are executed automatically upon fulfilling certain prerequisites set by their programmers.

Smart contract advantages include a built-in protection from the human factor. Nobody can tamper with a smart contract, and there is no need to trust the third party to release money on time or validate a transaction. What’s also important is that the contract runs on the blockchain, and will continue to work for as long as there is electricity and the Internet on the planet, regardless of the status of the developer's website or other external factors.

Smart contracts are used for a myriad of applications, from data storage to crowdfunding. With that said, they are completely transparent and anyone can monitor the current state of the smart contract as well as audit all the transactions it has been a part of through a blockchain explorer such as Etherscan.

Learn more about the technology we use on our website: https://credefi.finance/

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April 24, 2021, 10:27:19 AM
 #20

Meet the team: Valentin Dmitrov, Co-Founder & COO

👍 We continue introducing the Credefi team members to you, and today it is Valentin Dmitrov, Co-Founder & COO.

Valentin is a Co-Founder of Credefi and has a vast and diverse background in both the financial and technology sector. He gained his experience through his work for European Parliament (ECON committee), VTB Capital and a Fund Manager of Financial Instruments in Bulgaria with more than 600 million euro under its management. As an early adopter of bitcoin and Ethereum since 2013 while completing his degree in Bocconi University, and a technology enthusiast who has expertise in Cybersecurity matters, Valentin is a major asset of the Credefi team.

💬 If you have questions for Valentin, he will be more than happy to answer them in the project’s chat.

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