TokenLend akan memberi siapa pun di seluruh dunia kemampuan untuk berinvestasi

author:  Putriarka.

TokenLend will give anyone around the world the ability to invest in secured real estate loans using a variety of crypto and fiat currencies. The TokenLend platform will eliminate the uncertainties typically faced by small investors by helping them build secure loan-based investment portfolios that deliver competitive results, predictable and consistent.

TokenLend is being created by a team of developers, inspired by a single dream. Having over 15 years of software development experience, with a portfolio full of world-renowned products such as DAEMON Tools, we believe that we have more than enough resources and will provide the world's best service to people.

WHAT THE TOKENLEND OFFER

• The Loan Portfolio - TokenLend platform will be released with a pre-arranged list of pre-designed loan loans from trusted EU loan initiators, and an easy-to-use interface for our future partners. In the first stage, we will only receive mortgage loans with the most reliable real estate property as collateral. This will make it possible to achieve the best risk / revenue value for our users.
• Secondary Markets - TokenLend will have a Loan Participation Note (LPN) market (ie "Secondary Market") where users can trade ongoing investments for direct liquidity.
• Decentralized Architecture - Business logic The platform will utilize all the benefits of blockchain technology using Ethereum's distributed ledger. Representing each object as a smart contract and performing all operations as a token transaction between the Ethereum addresses will help achieve exceptional stability, integrity, and immunity from system data.

HOW TO WORK:

Loan trigger adds a new loan to the system through the Dashboard. Once loan details are validated and successfully verified by platform personnel, smart loan contracts are created and published to the platform.

Users purchase Loan Participation Notes (LPN) for a particular loan by transferring the desired amount of TLN to the loan address. The smart loan contract then generates an LPN contract with a principal amount equal to the amount of TLN transferred by the user as well as a personal payment schedule in accordance with LPN time stamp and loan terms.

LPNs are related to the ETH wallet address of the user as the recipient of interest payments. The total amount of TLN received from all users is transferred to Loan Originator account as loan principal.

In accordance with the schedule of smart loan contracts, the loan initiator sends the total interest and principal payments (if any) totals to the platform.

After making the last transaction by the loan originator, the LPN contract closes the payment schedule and sends the interest together with the remaining TLN principle to the related account.

The loan is then deemed to be closed, the association of the address of the wallet is removed and the LPN contract is considered fully executed.

BUSINESS MODELS

On average, the initiators of loans in the EU offer secured real estate loans to borrowers with an interest rate of 10-14%. At the same time they are open to receiving funding from available sources with interest rates of 5-8%. This is where TokenLend can enter and securely connect both parties. As a result, platform users have a source of accessible investment opportunities and loan initiators have access to affordable funds.

TokenLend business model will provide flexible pricing for both loan initiators and general investors. Certain costs will be determined for each individual loan initiator based on the health and value of the loan portfolio on the platform. "Selling fees" will be charged to investors for the successful sale of LPN to other investors on the TokenLend platform. This fee will apply to investors of common P2P platform and token holder. The withdrawal fee will also be applied to each transaction in fiat currency.

TLN TOKEN

The TLN Token is a digital representation of the right to exclusive membership on the TokenLend platform. TLN holders have the ability to invest the desired amount of funds from their account into one of the available loans listed on the TokenLend P2P platform. The account balance on the platform indicates the number of TLN tokens stored in Ethereum's wallet of member TokenLend accounts at any given time.

Tokens purchased during ICO campaigns will provide two types of revenue for holders. The token holder can use TLN to invest in any loan listed on the platform and receive revenue like other platform users. However, only ICO participants will receive a regular share of revenue from platform operations. The TLN token holder is guaranteed to receive a share of the profits of the company.

 The distribution size will be determined by the proportion of tokens associated with each member account on the payment date. The TLN tents will be tradable outside the TokenLend platform. Because they are token ERC-20, they will have an inherent value on the exchange.

TOKEN SALES SUMMARY:

• Participants willing to contribute to TokenLend platform development may do so by using cryptocurrency or other payment methods notified on the Website.
• 130 411 585 TLN token will be created
• Up to 8 750,000 TLN + bonuses will be distributed during pre-sales
• Up to 93 750 000 TLN + bonus will be sold during crowdsale
• Crowdsale will start on March 26, 2018
• The contribution period will run for 45 days
• Pre-sales will begin on March 1, 2018 and last for 11 days.
• During the crowdsale, there will be a soft cap of 5 000 ETH and a hard cap of 41,000 ETH
• All unsold tokens will be burned
• The TLN token received by the contributor will be transferred 7 days after the end of the Initial Coins Bid campaign

Course:

• 1 TLN = 0,0004 ETH
• 1 ETH = 2500 TLN

Bonus Crowdsale:

• Level 1: 0> = 1000 ETH - 10% bonus token
• Level 2: 1000> = 3000 ETH - bonus tokens 7%
• Level 3: 3000> = 9000 ETH - 5% bonus tokens
• Level 4: 9000> = 21000 ETH - bonus tokens 3%

DISTRIBUTION TOKEN

75% token will be distributed during ICO. All unsold tokens will be burned.

14% of tokens will be allocated to TokenLend founders and core teams. 50% of these tokens will be locked * for 24 months, and

The remaining 50% will be locked * for 48 months.

7% of all tokens will be sold during pre-sale. All pre-sale participants not only have the opportunity to purchase TLN tokens with special discounts, but will also have exclusive rights to participate in the beta platform testing stage and receive investment benefits before other token holders.

3% token will be given to our legal team and our advisors for their contributions. This token will be locked * for a 12 month period.

1% token will be allocated for various prize activities.

Further information :

WHITEPAPER | https://tokenlend.io/tokenlend_whitepaper.pdf
WEBSITE | https://tokenlend.io/
TWITTER | https://twitter.com/Tokenlend_news
FACEBOOK | https://www.facebook.com/tokenlend/
Bitcointalk: https://bitcointalk.org/index.php?action=profile;u=1876128.