TokenLend(TLN)-Decentralized Platform for Lending

Have you known a decentralized platform that enables lending features? This is about it. Tokenlend strives to help users across the globe make profits by lending funds with fewer risks and hassles. We believe that by using blockchain technology, we can make the lending process easier and cheaper to use without the bureaucracy of traditional banking services. Traditional banking products and services are archaic and slow due to all their red tape and paperwork. In a world of cross-continental currency transfers, decentralised databases and smart contracts, people are still limited by their geographical location and residency. Different legislations, currencies and complex taxation make business activities more complicated than it should and could be. The lack of integration between financial services force people to deal with numerous middleman institutions with their own verification policies, fees and limits. This can turn a seemingly simple operation into a massive headache.
The Solution
The idea for TokenLend resulted from a culmination of our investment experience as well as our vast experience in software development. Our goal is to build a robust and reliable ecosystem that provides a complete fund lending service for all parties involved. TokenLend will give anyone across the globe the ability to invest in real estate secured loans using various crypto and fiat currencies. Our platform will remove the uncertainties which small investors normally face by helping them build a secured loan based investment portfolio that delivers a competitive, predictable and consistent return. The platform will contain a list of carefully selected and pre-checked secured loans available for investment. TokenLend will only accept loans from trusted EU loan originators. The presence of a legal entity as a counter party will allow us to take necessary measures in advance to receive timely payments by the lender and mitigate the risk of default. TokenLend personnel will re-validate information received by the loan originator, including the borrower’s personal details, pledge information, appraisal and LTV ratio. Loans will only be listed on the platform if they meet TokenLend’s stringent loan selection criteria.
TokenLend(TLN)-The Token
During the Initial Coin Offering (ICO) campaign, TokenLend will offer Lend Coin (TLN) tokens for sale. TLN tokens are a digital representation of the right to an exclusive membership on the TokenLend platform. TLN holders have a ability to invest the desired amount of funds from their account into any of the available loans listed on the TokenLend P2P platform. The account balance on the platform represents the number of TLN tokens stored in the Ethereum wallet of the member’s TokenLend account at any given time. TLN tokens will be tradeable outside of the TokenLend platform. Since they are ERC-20 tokens, they will have an inherent value on exchanges. Tokens purchased during the ICO campaign will provide two types of income for holders. Token holders can use TLN to invest in any loan listed on the platform and receive income like any other platform user. However, only ICO participants will receive a regular share of the income from the platform’s operation. Holders of TLN token are guaranteed to receive a share of the company’s profits. The distribution size will be determined by the proportion of tokens associated to each member’s account on the date of the payment. The LPN market will allow users to trade LPNs between one another, this is only available to registered users. Users are not obliged to sell at the original LPN principal price, they can submit sell orders for specific LPNs at their desired price in TLN. Users can also add comments and details about the LPNs to be sold. All transactions will be performed by sending TLN from one address to another. The LPNs will be considered sold once the TLN transaction is confirmed by Ethereum network and at which point the LPNs’ owner is changed automatically.
Now Its ICO Time
Before the crowdsale begins, TLN tokens will be minted by the TLN smart contract. The total amount of tokens will be distributed in the following manner
Pre Sale
7% of all tokens will be sold during the pre-sale. All pre-sale participants will not only have an opportunity to purchase TLN tokens at special discounts, but will also have the exclusive right to participate in the platform’s beta testing phase and receive investment profits before any other token holders.
ICO
-75% of tokens will be distributed during the ICO. All unsold tokens will be burned.
Advisory
3% of tokens will be granted to our legal and advisory team for their contribution. These tokens will be locked* for a 12 month period./
Team
14% of tokens will be allocated to the TokenLend founders and core team. 50% of these tokens will be locked* for a 24 month period, and the remaining 50% will be locked* for 48 months.

Token Sale Details
Participants willing to contribute to the development of the TokenLend platform can do so by using cryptocurrencies and other payment methods listed on the Website
Total number of tokens: 473,466,667 TLN
Contributors receive TLN tokens at the rate of 2,500 TLN per ETH
Contributors will receive bonus tokens during the pre-sale and crowdsale as described below.
The sale will begin on the 26th of March 2018
The contribution period will run for 45 days
The pre-sale will start on the 1st of March 2018 and run for 11 days and will be capped at 11,047 ETH with a minimum contribution of 1 ETH
During the ICO token sale, there will be soft cap of 20,000 ETH and a hard cap of 140,000 ETH.
All unsold tokens will be burned
TLN tokens received mby contributors will be transferable 7 days after the end of Initial Coin Offering campaign.
The entire process begins with the Initial Coin Offering campaign where the TLN Tokens will be put out for sale. The users who buy these tokens will receive an exclusive membership on the Tokenlend P2P platform. Using this membership, users will have the power to invest funds from their account into any of the available loan listed on the Tokenlend P2P platform. Not only that, the token holders will also receive a fixed share of the company’s profits from all its operations including lending, currency conversion, funds withdrawal, loan listing, etc. The fact that the token holders receive fixed profits on a regular basis makes it ideal for the users to buy the tokens. The Initial Coin Offering campaign the sparks of processes that ensure a smooth and the legitimate loan transaction.

Official Web : https://tokenlend.io/
Whitepaper : https://tokenlend.io/tokenlend_whitepaper.pdf
ANN THREAD : https://bitcointalk.org/index.php?topic=2548329
Facebook : https://www.facebook.com/tokenlend/
Twitter : https://twitter.com/Tokenlend_news
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