Cash Loans
For CryptoBridging The Gap Between Traditional & Blockchain Finance
COMPANY OVERVIEW
Lendo
LENDO IS A BLOCKCHAIN-BASED PLATFORM
It enables regulated lenders to provide loans secured by crypto
assets as collateral that are stored in Lendo’s high security Crypto
Vault.
Lendo will expand the personal loans market whilst also offering
members of the Lendo community network a range of additional
services, such as a crypto wallet, a credit card and a crypto trading
exchange, leading to a complete cryptobanking ecosystem.
Lendo has ‘first mover’ advantage in the emerging sector that links
the crypto world with mainstream financial services. It provides loan
companies with the technology and expertise needed to capitalise
on the many advantages of lending against cryptocurrency as
secured collateral.
It will enable conventional lenders to build a new client base of
crypto asset owners, not just in the UK, but also internationally and
empower them to confidently move forward into the digital future.
01
To open up new markets for regulated
lenders and make it safer and speedier to
provide loans for cars, home
refurbishments, personal loans and credit
card debt using blockchain technology.
EXPAND
To provide loan companies with the
technology and expertise needed to
capitalise on the many advantages of
lending against cryptocurrency as
secure collateral.
EDUCATE
To enable lenders globally to attract a
new swathe of borrowers who hold
crypto assets and help grow their
businesses into the digital future.
EVOLVE
Lendo’s mission is to connect conventional banking services and cryptocurrency
owners through the Lendo card, the secure vault and smart wallet system. Lendo
makes several types of blockchain assets, such as crypto currencies and tokens,
spendable in real time when using the Lendo credit card.
A blockchain platform that enables regulated
lenders to provide loans secured against crypto
assets – anywhere in the world!
Our Mission 02
Our Mission Our Vision
CASH LOANSFOR CRYPTO
LOANS
Access instant cash loans from
approved lenders using
cryptocurrency collateral
CRYPTO WALLET
Hold fiat and cryptocurrency in
ultra-secure state of the art
desktop/mobile wallet
DEBIT CARDS
Spend digital currencies
anywhere in real-time with
traditional debit cards
MERCHANT SYSTEM & EXCHANGE
Multi-asset trading platform
complete with institutional grade
trading features
Lendo 03
Lendo solves multiple problems for owners of crypto-currency, for lenders in
the personal loans market, and for borrowers
No Credit Checks:
Speed & Efficiency
Crypto-currency assets (despite being
potentially very valuable) are not normally
accepted as collateral.
Credit checks take time, and often involve
high application fees to cover the lender's
costs.
Ease&Speed
of Foreclosure
Reduced Risks:
Reduced CostsBorderless Lenders
& Expanded Markets
Greater
Security
For Crypto-currency Owners:
For Regulated Lenders:
SECURITY TAX EFFICIENCY
For Borrowers:
OUR SOLUTIONS
Lendo 04
Loan companies using Lendo will
have ‘first mover advantage’ and be
able to gain extra market share by
attracting new borrowers with crypto
assets.
.
Lendo has signed an agreement with several well-established
and fully licensed UK lending companies. These lenders
specialise in personal loans, consumer credit and car finance
which total a 198-billion-pound market in the UK.
Our UK Lending Partners:
CASH LOANSFOR CRYPTO
Lendo: Features 05
LENDO KEY FEATURES
Lenders will be able to accept
Bitcoin, Ethereum and Litecoin
as collateral as well as Lendo
tokens.
Lenders can provide fiat loans
at up to 60% LTV against the
crypto collateral.
Lending decisions will be made
easier as they are based on
quickly realisable asset value
rather than conventional credit
scoring.
Lenders can repossess crypto
assets quickly and easily in the
event of loan default through
automated smart contract systems.
Lenders can now have a global
reach as the crypto assets are
held in Lendo’s international
escrow/exchange system.
All lenders are regulated by the FCA (Financial Conduct Authority) who
control and strictly regulate the entire UK financial services industry,
including everything from banking, mortgages, insurance and
consumer loans to the wealth management and securities market.
The LendoVault
At the heart of the Lendo solution is the
vault. A detailed explanation of how the
vault ensures total security is contained
in the technical white paper
Lendo Freesthe Personal Loans
Market
Using the Lendo platform, crypto owners know their
assets are safe; regulated lenders can make secured
loans instantly and across borders. Borrowers can
remain invested in their crypto and avoid tax liability
Loans Made Throughthe Lendo Platform are from
Regulated Lenders
All our lenders are subject to regulation so
borrowers have confidence and lenders
have access to the money markets,
meaning unlimited potential capacity
LENDO SOLUTIONS
Lendo 06
Lendo: Loans 07
MARKET SIZE AND OPPORTUNITY
Many crypto currency owners are looking to buy goods, trade or sell their digital
assets. However, there is also a large percentage of the global market (currently
averaging around $300 billion market cap) who want to hold on to those digital
assets for the long term.
$300 BILLION MARKET CAP* (Correct at time of publication)
But, if those crypto borrowers want a loan, they are unable to use their cryptocurrency
assets as collateral. Lendo changes that and makes it possible for regulated conventional
lenders to provide cash loans against that collateral.
What is more, Lendo opens up the whole world to conventional loan companies. Normally,
a loan company can’t make loans outside the legal jurisdiction it operates in, because it is
impossible to control defaults on the loan. Lendo’s blockchain technology and smart
contracts changes all that as all crypto assets are held in an international secure vault.
THE OPPORTUNITY AND MARKET SIZE IS VAST AND TRULY GLOBAL
Unique Features
Military grade security,
regulated Lenders
Adoption Rate
Personal loan credit is one of the fastest
growing and resilient market sectors in the
global economy
First to Market
Lendo is one of the first companies to
enter this market and has a clear first
mover advantage
Unique Pricing Model
Lendo's unique ability to ensure that loans
are 100% secured without credit checks or
potential recovery costs reduces costs to
both lender and borrower alike
Proprietary Technology
The Lendo vault system is unique and
designed to be 100% safe. Assets are
mainly held in cold storage
Exclusive Partnership
Lendo has secured exclusive agreements
with regulated U.K.lenders to meet the
demand for crypto backed loans
Competitive Advantages 08
COMPETITIVE ADVANTAGES
DAVID HONEYMAN
CEO
For full details see
whitepaper
GUIDO GRANELLO
COO
PAUL LOWIN
Business Dev. Director
JUN HAO ONG
Community Director
KEN TACHIBANA
Executive Advisor
MEET THE TEAM
Meet the Team 09
MARK SNOWDON
Marketing Director
Vault Fees
Lendo will charge vault fees (in ELT)
and credit/debit fees from all its users.
Lendo will charge a small loan
arrangement fee to borrowers.
Exchange Platform
Lendo will makes a margin on
exchange platform trades.
Lendo Network
A global network of lenders will
pay a monthly subscription fee to
Lendo
Lendo is powered by proprietary
blockchain software.
Loan revenue
Lendo will receive a percentage of
the loan interest that the lender
charges to the borrower.
Borrowers place their crypto in our
escrow vault as loan collateral.
The lender then lends fiat currency
at 1-2% per month interest. We
split the interest revenue 50/50
with the lender
BUSINESS MODEL & REVENUE STREAMS
Business Model 10
Lendo: Yearly Revenue Projections
A full budget and cash flow is available upon request
(subject to investor qualifications and NDA)
FINANCIAL PROJECTIONS
Financials 11
€ 4,465,414
€ 19,495,574
€ 83,433,274
Year 1
Revenues
Year 3
RevenuesYear 2
Revenues
NEXO
A lending platform solving some of the
problems Lendo solves
Salt is restricted to the U.S. and has
limited access to lending capital
Lendo, by contrast, has unlimited
opportunity geographically, and
unlimited scalability
A lending platform solving some of
the problems Lendo solves
Limited access to lending capital as
this is a ‘peer to peer’ network
Lendo, by contrast, has
unlimited scalability
A regulated lending platform solving
some of the problems Lendo solves
Limited to a single lender
Lendo, by contrast, has unlimited
scalability and wider consumer
choice of lender
Competition 12
COMPETITIVE LANDSCAPE
OUR EMAIL
OUR PHONE
+44 208 144 3868
OUR WEBSITE
www.lendo.io
Thank you 13
CONTACT INFO
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