Platform for Smart Loans Backed by Crypto-Assets.

Posted June 6,2018 in Science and Technology.

adekunle oyediran
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The introduction of blockchain technology has been great for so many numerous reason, people can now transact and make investment via a secure and speedy platform of interconnected users not owned by a single body giving ever individual out there to share his or her own perspectives of trade. The crypto currency world is now known as a great investment platform where great innovation are summoned by great innovators leading to showcasing for investment via initial coin offering to sum up fund to execute a project.  Most individual have seen making such investment as an asset instead of just making the digital currency what you can use for daily activities payment. Crypocurrency is not readily accepted in some parts of the globe right now as a means on making payments. Most investors prefer keeping their share of investment as assets in respect to its volatile nature. Investors want to keep their share or investment as assets and get on with other business activities. The traditional financial process still has a strong hold on how individuals go about making things happen? With the believe that every transaction is linked to banks. Such things for investors includes applying for loans and carrying out transaction. Imagine a situation where an investor wants his or her digital currency as asset and at the same time wants to invest in other things in a location where crypto currency is not recognized.

Yeah yeah I know its sound really awkward because we all believe crypto currency as mostly source of making investment and keeping share as asset. Asset is terms high value commodities, right? Now channelling the digital asset as a means of loan sounds really crazy and funny but it’s another added valve to blockchain and cryptcurrency provided by MONEY TOKEN where investors digital asset can stand in as collateral for getting loans and at the same time the investors gets to keep his share of investment. I see this as a very great additional feature for the future of crypto currency because it diversifies and channels it to other means it can be used rather than just for transaction on a secure and speedy means via blockchain technology. The process eliminates introduction of third party system in the means of transaction and keeps the investors safe.



Interest rates for this type of loan can be settled using the collateral value or paid oin crypto- or fiat currency because crypto assets is volatile with the increase and decrease due to the global market trade. I know readers will be have a rough sketch of my perspective and be worried about what happens to the investors if the digital assets value starts to drop and what options is there to take once this happens.

In results where by the value of the assets depreciates, a percentage of the asset will be sold for credit to pay the lender back and the remaining sum will be credited back to the investor. The investor can payback before the deal time elapse. The issue of trust on the MONEY TOKEN platform will be resolved not via the smart contracts, but via multi-signature addresses.

The introduction of an artificial intelligence AMANDA behind the MONEY TOKEN platform to assistant with provision of automated loan operations within the platform makes the platform easily accessible as a guide for new users and elimination of third parties individuals.

Types of Loan Repayment includes:

Repayment is subdivided by the time factor:

Repayment on time

Early repayment

Early repayment is divided by the quantitative factor:

Full early repayment

Partial early repayment

And also by the way of repayment:

Repayment by means of the same currency in which the loan was issued (standard method).

Repayment with the help of collateral by transferring a proportional amount of collateral to the address of the platform. The remaining amount of collateral after loan repayments is transferred to the address of the borrower.

Repayments with the help of other cryptocurrency assets.


The most convenient option at the moment is USD Tether. The rate of exchange for USDT stays stable and it is easily exchanged for dollars as it’s already backed by collateral in dollars. Tether is being accepted for deals on the majority of cryptocurrency brokers’ boards.

MTC is a stable ERC-20 token on the MoneyToken platform used as a credit currency for loans or exchanged for fiat money. 1 MTC = 1 USD. The amount of issued MTC will be covered by CDP (Crypto Collateralized Debt Positions) or the equal balance of USD on the platform’s bank accounts.




Bitcoin and Ethereum will be accepted as collateral, these being the two cryptocurrencies with the biggest market capitalization. Other top 10 crypto currencies will be added in the third stage. Adding other popular Token sales tokens that have gained enough trust on the market and are backed by a working successful product, will be considered as collateral currencies in the future.

IMT tokens can be purchased during the Token sale or purchase in Retail Sale.

Initial money token Functions.

  • Privileged terms for platform users when depositing IMT to receive Borrower Membership.
  • Up to 60% discount on the platform fees for Borrower Membership.
  • When using the discount from the user’s balance, the equivalent of 50% of the discount in USD is charged in IMT tokens.
  • The opportunity to become a lender when depositing IMT for Lender Membership.

In order to ensure safety value asset to borrowed worth of credit, the platform has made in place MONEY TOKEN SAFETY FUND. MONEY TOKEN CREDIT FUND is also established on the platform to regulate and influence the maximum possible amount of loans that the platform can give out.



Roger Ver: Founder of "Bitcoin Jesus" Investor at Ripple,, Bitpay, Kraken

Mate Tokay: CEO of CEO of Bitcoinist LTD Keynote speaker

David Allen Cohen: Founder Dcntral. Advisor Hashgraph. A former of IOTA Foundation Member.

Steve Rubakh: Mining Business Founder of the IPO Company

Didi Taihuttu: The guy who sold his house for Bitcoin. Crypto expert and an Inspiration

Sally Eaves: Global strategy advisor - fintech blockchain AI, intrapreneur, speaker and author


Alex Rass: CTO, Co-founder

Jerome MacGillivray: CEO, Co-founder


Jerey Chudy: Finance

Ryan Swan: Software Engineer

Alex Fisun:COO

Owen Byrne: Project Management

Klim Davies: Business Development

Annette Miller: Support & Communications


Davide Lombardi: Italy International Coach & Trainer, Investor, Entrepreneur

Kohei Noda: Japan Technology Producer, Investor, Business Advisor

Nyankomo Marwa: South Africa Founding Director Matumaini Capital, Senior Lecturer

Shehab Ahmed: Dubai, UAE CTO of Hostsailor, Blockchain Advisor / Investor












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