Access instant cash loans from approved lenders using cryptocurrency collateral.
Hold fiat and cryptocurrency in ultra-secure state of the art desktop/mobile wallet.
Spend digital currencies anywhere in real-time with traditional debit cards.
Merchant System & Exchange
Multi-asset trading platform complete with institutional grade trading features.
By working only with fully licensed lenders Lendo aims to bring the High Street and the blockchain together and that’s where long-term sustainable growth and liquidity has to lay.
We see the big winners in the market being the companies who can provide the bridge between the crypto community and traditional financial services providers
Lendo is a blockchain-based platform that 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 Fintech with banking and financial services. It provides loan companies with the technology and expertise needed to capitalise on the many advantages of lending against cryptocurrency as secure 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.
Lendo only accepts fully licensed lending companies with a strong track record into its network.
UK lenders are regulated by the FCA (Financial Conduct Authority) who control and strictly regulate the entire financial services industry, including the consumer credit market.
The UK is generally recognised as being one of the world’s safest and most transparent financial markets. This ensures the highest levels of consumer protection for borrowers and will form the contractual foundations for our global rollout of the platform.
Loan applications will be approved much faster than with conventional lending. Lendo members will be able to access the funds immediately the loan is approved, simply by using their Lendo debit card at any ATM.
All transactions, expenditure and repayments will be visible on the private and easy-to-use personal dashboard – in real time!
Lendo’s Crypto Vault, is being developed with ultra high-security proprietary software, guaranteeing that all stored funds are safeguarded.
Each member’s personal dashboard will display their crypto assets as collateral in the Vault’s offline ‘cold storage’, which is an added layer of security that removes risk of theft or fraud.
A leading insurance company will insure all crypto assets stored in the Vault.
trillion dollar world consumer loans balance
billion in personal credit in the UK
billion in car loans in the UK
trillion mortgage market in the UK
Sources: Bank of England & Finaccord
ICO | Initial Coin Offering
|Start:||March 28th, 2018, 13:00 (BST)|
|Soft Cap:||200 M ELT|
|Name:||Ethereum Lendo Token (ELT)|
|Price:||1 ELT = €2 EU|
ICO Phase 1
In the event any tokens are unsold they will transfer to the final stage and then to the company reserve.
Lendo is issuing a total of 1.2 billion ELT tokens during the ICO and the supply is locked.
Lendo is offering 45% of its available tokens to the fund raising campaign, plus 1.67% for the bounty programme. 33.33% will be held as a reserve and incentives fund The remaining 20% will be split between the founders and advisors. These tokens will carry a vesting period of between 6 months and 2 years.
TOKEN HOLDER LOYALTY REWARDS
The Lendo vault will charge fees only in ELT and token holders will participate in the Token Loyalty Rewards programme, which will reward them by distributing 30% of Vault fee revenues in ELT, pro-rata to their holding and the total number of tokens in circulation.
- Fund raising
- Reserve and Incentive Fund
- Founders & Advisors
- Bounty & Referrals
David is an honours graduate in law from Edinburgh University and has owned and managed many successful companies in the field of real estate and investment. He has built up decades of experience in raising finance from the retail market, through various bond, share and equity programmes.
Most recently David was Regional Managing Director for one of Dubai’s largest property developers who are currently partnered with Wyndham Hotel Group – the largest hotel operation chain in the world. Always ready to embrace new advances in technology, David is on a mission to bring together the power of crypto technology with established financial services providers.
Board DirectorMikael Olofsson
Mikael has a degree in law and also a MBA from Stockholm School of Business. As former Vice President of one of Swedens largest insurance brokers, he is very accustomed to working in a regulated financial environment and was contracted to set up a life insurance division for Swedbank before moving into the online gaming industry.
More recently Mikael has run his own mortgage and lending business which specialises in raising finance for HNWI’s through private banks. His wide ranging experience in the field makes him a perfect foil for Lendo’s young dynamic blockchain tech team.
Marketing DirectorMark Snowdon
Mark brings twenty years of digital marketing experience to the team. He has led projects in finance, education and professional sports for clients including Coca Cola, Arsenal FC and Bank of Scotland. More recently, Mark has been involved with blockchain marketing initiatives for a leading ICO project as well as one of the world’s largest cryptocurrency exchanges.
Business Development Director.Paul Lowin
Paul is a graduate of the University of Leicester in Physics and Astrophysics. He has had a very varied career, from film and television producer to real estate sales director. Always one to spot new trends, he established one of the very first “dot coms” in the U.K.: a real estate listings portal, which he established as early as 1994 and sold in 1996. Paul is now bringing over 30 years of commercial experience to the crypto world.
Having worked for the Swedish SEB bank in Oslo, Stockholm and New York, Gary brings a wealth of experience in traditional banking, as well as in online banking, card payment services and other aspects of the banking system to Lendo. He has been working on the development of the Lendo project for one year and is one of its founders.
Executive AdvisorKen Tachibana
Ken, managing principal of Intelligence Capital, is an ICO producer who has been a highly influential advisor to a series of leading ICO’s including Pundi X, InsurePal, Flux, thrivelabs and Discoperi Inc.
To this, he brings financial, business and technology backgrounds – Bank of America Corporate Finance and Treasury, deep Silicon Valley/Southern California high tech experiences including co-founding Blockchain and fiat based cryptocurrency startup Digifund and senior manager of Netscape Communications/AOL Time Warner. Over the years he has developed a sense of where the smart money is going and his approach has been sharpened by his business teaching experiences as former Lecturer at UC Berkeley Haas School of Business MBA/Executive Programs and Stanford, backed up by his MBA Finance from UC Berkeley Haas School of Business, MS Computer Science-AI/Applied Econ, Stanford.
Jun Hao Ong
Community DirectorJun Hao Ong
The Foundation of Our Success
UI/UX DesignerLachezar Genchev
Lachezar’s passion for website design and development began at an early age when he bought his first HTML text book with his pocket money.Two decades later, he is a key member of the Lendo team bringing his 14 years of professional experience as a UI/UX Designer and front-end developer to the project.
In the course of his career Lachezar has worked in 5 countries for a variety of leading companies, including ActivTrades, Wipro, DLL Group, IPR Events London, SiteGround and more.
Social Media ConsultantAsya Karsheva
Asya graduated from the New Bulgarian University of Sofia, Bulgaria with a degree in Marketing and Advertising and a Masters degree in Information Technology and Management. She started as an external social media consultant at ZoneTech Bulgaria before progressing to being an in-house Social Media Consultant at KPMG Bulgaria.
Digital Marketing AdvisorDani Milchev
Dani graduated from the Technical University of Sofia, Bulgaria with a Masters degree in Information Technology and Management. She started as a Junior Developer at SAP Bulgaria before becoming an IT Consultant at Epam Systems. Dani then progressed to being a Professional Technical Consultant at ICT Media before deciding to enter the world of Fintech, where she has been advising a number of start-ups.
Finance AdvisorOliver Ko
Press OfficerEleanor McKenzie
Following a decade as Information Manager at top advertising agency J. Walter Thompson, Eleanor became a freelance Business Information Consultant, writing business plans and market reports for companies seeking funding and launching new products. She has scripted videos for FTSE 100 companies and is also an award winning blogger. Eleanor got into cryptocurrencies early on and is a fervent #bitcoinbeliever.
Administration Asst.Hasmik Gevorgyan
Hasmik graduated from the Economics faculty of the Armenian National Agricultural University where she specialised in Accounting. She has extensive experience of international sales manager in the field of VOIP. She speaks Armenian, Russian and English.
Senior IT ConsultantSteve Leslie
Steve is a senior IT professional with over fifteen years’ experience and an extensive knowledge of the implementation of IT Systems internationally. His experience includes Iona Business Systems, Clarity PLC and most notably, the Jumeirah Group, Dubai. Steve brings a wealth of expertise with business-critical applications across multiple locations and IT System Vendor Management to Lendo, and a proven ability to interface between operational business functions including Executive Officers, and the IT Department.
Regional Advisor Hong Kong and ShenzhenJ.Chad Liu
Chad has a Bachelor’s degree in computer science from the University of Michigan, which has given him the expertise to manage several Fortune 500 companies who specialise in funding tech start-ups. As a fluent speaker of Chinese and English, with a diverse cultural background stretching from Silicon Valley to Shenzhen, Chad is ideally placed to introduce Lendo to the Chinese investor market with over 4 years specialised experience in blockchain and crypto mining projects.
Blockchain AnalystHui Going
Marketing AdvisorBogdan Rosu
Bogdan has 25 years of business experience and started out in corporate marketing at Orange. Over a period of two decades he developed an entrepreneurial mindset and skills by focusing on the people and strategy in all aspects of a business. As an entrepreneur, he has founded businesses in the entertainment industry, telecommunications, marketing and communications, and luxury goods retailing. In 2017 he began investing in cryptocurrencies and has his own YouTube channel focused on the cryptocurrency world.
Banking AdvisorEduards Baginskis
Formerly European Business Development Manager for Lloyds Bank in Gibraltar and a senior manager at Parex Bank and Parex Asset Management, Eduards is currently CEO and owner of How2Agency based in Gibraltar. He has a Masters in Economics, Banking and Finance and 14 years experience in finance and capital markets. He has been involved in crypto assets since 2014 and launched the How2Coin project in 2017 in Gibraltar, the first jurisdiction with comprehensive regulations for blockchain-based businesses.
Blockchain AdvisorLeonard Tan
Leonard is a software engineer at Visa, working on data products and platform development. He has built a secure cryptowallet for CoinHako as well as full-stack Ethereum dapps. He has also implemented internal systems for FintechNews and EthVPN, and is a technical advisor for multiple ICOs. An active volunteer at Ethereum Foundation involved with ENS, he has been invited to present at global blockchain events in the US (ETHDenver), Singapore, UAE (ICANN60), as well as Ghana (Ghana Blockchain Conference).
Digital MarketingNadja Bester
Nadja has run a digital agency serving clients on 4 continents, and was formerly head of digital marketing and multimedia communications for Aspen Pharma, a listed multi-billion multinational corporation. A blockchain writer, she writes for a variety of industry publications, including Investing.com and as head news editor for Invest in Blockchain. She owns and manages communication agency Wordarium, focused on blockchain and other cutting-edge technologies, specializing in whitepaper and content creation, community management, social media, PR and crisis communication management.
Financial AdvisorArthur Rangel
A graduate of South Illinois University, Arthur has over 20 years of investment banking experience. Licensed 15 years with the N.A.S.D, regulated by the SEC. Arthur has held senior positions with several securities firms in operations, underwriting and syndication, financial compliance and brokerage services. Senior Vice President of D. Blech and Co. (an investment bank specialising in early stage and start-up biotechnology investments).Director of Corporate Finance acting for institutional clients in the technology, pharmaceutical and service sectors at Joseph Charles & Associates. Arthur has actively participated in structuring over US$2 billion of growth capital for companies ranging from telecom and internet companies to start-up and early stage biotechnology companies.
Cybersecurity AdvisorEric Sheehan
A visionary leader in Cyber & Information Security, Eric has advised dozens of FTSE 250 companies in the Fin Tech, Banking, Pharmaceutical, Property Investment, Insurance and Financial Services industries and secured some of the most complex technology environments. Most recently serving as CISO for London Gatwick airport, Eric has run multiple high performance teams addressing myriad cyber and business challenges across a career spanning over 25 years. Graduating with an MA in Strategic Communication & Leadership, Eric has sat on multiple Cyber security discussion panels and been involved in several innovations centering on blockchain technology.
Regional Business AdvisorMark Francis
A key influencer in the Gibraltar business community, Mark Francis is a prize-winning member of the Royal Institution of Chartered Surveyors. He has been a leading figure in Gibraltar’s top property developments and is a Director at Land Property Management. Mark has been interested in the potential uses of blockchain applications and cryptocurrency for some years and is assisting Lendo with their integration into the Gibraltar ‘Crypto Harbour’ ecosystem.
Technical AdvisorAndrew Branscombe
After a career in Commercial Real Estate, Andrew has been a senior executive in the Internet and social gaming industries since 2000. Currently with JackpotJoy PLC, Andrew has been an investor and executive with the company since its initial launch on the Toronto Stock exchange and subsequent listing on the LSE. Focusing on business development and opening new markets, Andrew has operational experience with different technology platforms, payment systems and business intelligence. He also sits on the board of publicly listed BackStagePlay Inc.