AlchemySTO
AlchemySTO
Token: AFI


Blockchain Peer-to-Peer Lending Platform

PreICO dates
Start date: 16th Jul 2018
End date: 13th Aug 2018

ICO dates
Start date: 2018-08-27
End date:

Registrated in: Hong Kong

Platform: Ethereum
Type: Security (STO)

PREMIUM ICO

AlchemySTO categories
Artificial Intelligence Banking Big Data Business services Investment
Video
AlchemySTO token sale
KYC passing required Yes | Whitelist Yes | Restriction for countries North Korea, Iran
Soft cap 3,000,000 USD
Hard cap 60,000,000 USD
Tokens for sale 50,000,000
Token distribution in ICO
40%
40%
Acceppting ETH, BTC, Fiat
AlchemySTO news, social
AlchemySTO search trends in Google
Random whitepaper excerpts

Table of Contents
1. INTRODUCTION
4
1.1. Disclaimer
4
1.2. Specification of Examples in White Paper
5
1.3. Forward Looking Statements
5
2. COMPANY
5
2.1. Abstract
5
2.2. Background
5
2.3. Company Vision
6
2.4. Market Opportunity
6
2.5.
Tokenization of “Real World” Assets
7
2.6. Securitization on Blockchain
7
3. PRODUCT
9
3.1. How the Product Works
9
3.2. Alchemy Ecosystem
9
3.3. Credit Risk Analysis
9
3.4. Risk Management
9
3.5. Collateralized Debt Obligations
10
3.6. Product Interactions
10
3.7. Product Interactions
10
3.8. Token Custody
10
3.9. Transfer Agent
11
3.10. Wallet Conversion
11
3.11. Business Solutions Using the AFI Product
11
3.12. P2P Lending and Debt Financing
11
3.13. Investment Restrictions
11
3.14. U...

4.1. Justin Jung

Founder & CEO
14
4.2. James Fan

Co-Founder & COO
14
4.3. JT Bell

Co-Founder & Head of Business Development
14
4.4. Chris Lowe

Director of Risk Management
14
4.5. Riley Cagle

Director of Government Relations
15
4.6. Benjamin Chen

Director of Product Development
15
4.7. Nick Chen

Director of Assets Acquisitions
15
4.8. John Tse

China & Southeast Asia Sector B&D
15
5. TOKEN
15
5.1. Security Token
15
5.2. Smart Contracts and Technology Overview
16
5.3 Total Number of Tokens to be
18
Created and Sold
18
5.3. Commencement and Duration of Token Sale
18
5.5. AFI Token Price
19
5.6. Procedures for Buying and Receiving Alchemy Tokens
19
5.7. Token Distribution
19
5....

1. INTRODUCTION
1.1. Disclaimer
This White Paper is provided and developed by the
ALCHEMY COMPANY, LIMITED. (AFI) team and
describes a decentralized peer-to-peer (P2P)
lending and financing marketplace where
international borrowers and lenders can
participate in transactions through an easy-to-use
and trusted P2P platform.
This White Paper describes the current version of
AFI’s P2P Lending Platform. We prov
ide the
description of the technology, based on our level of
knowledge and development. We hope you will
find it valuable. However, there are certain
commitments we are unable to make in regard to
the technology of the protocol. Neither AFI, nor its
suppliers and distributors provide any guarantees
regarding products described herein. We take no
responsibility in regard to the contents of the
protocol software, its special functional
capabilities, availability and compliance with your
requirements. All serv
ices are p...

described herein, may never in fact operate as
intended.
1.2. Specification of Examples in White
Paper
All examples and demonstrations in this White
Paper are used only as demonstrative examples.
The business of AFI involves manufacturing fintech
products and tokenizing primarily financial assets,
although we do not think it impossible to apply our
proprietary protocols in other fields, with approval.
In our case, first and foremost we create tailor-
made P2P solutions democratizing the relationship
between borrowers and lenders.
1.3. Forward Looking Statements
Certain information contained in this Information
Memorandum constitutes “forward looking
statements”, which can be identified by the use of
forward-
looking terminology such as “may”, “will”,
“should”, “expect”, “anticipate”, “project”,
“estimate”, “intend”, or “believe” or the negatives
thereof or other variations thereon or comparable

to individual interested borrowers, which have
historically been serviced by traditional banks and
banking institutions in a centralized manner, which
is not only time consuming, but also labor and
paperwork intensive.
Peer-to-peer (P2P) lending has experienced
tremendous growth over the past decade as
borrowers seek better and more efficient
alternatives to banks. The P2P lending marketplace
is estimated to grow at 53%+ in compounded
annualized growth rate (CAGR) in the next few
years. Morgan Stanley predicted such P2P
marketplace lending will be an industry valued
north of $490B globally by 2020. Per Morgan
Stanley Research, “P
2P lenders have leveraged low
operating costs, minimal regulations, big data and
technology streamlined for a mobile generation to
mediate terms between everyday borrowers who
want quick access to cash and the lender next-door
starved for yield.”
As of today, the majority of peer-to-peer (P2P)
financ...

ten years ago, when companies like Prosper
(prosper.com) and Lending Club (lendingclub.com)
kickstarted one of the first waves of P2P lending in
the 21st century. The problem is, these financial
solutions are currently only available in very select
markets.
AFI’s P2P platform allows
people around the world
to borrow and lend on the same footing at the
same time; so customers living in countries with
high inflation and interest rates are also able to
benefit from more affordable rates through the AFI
platform. AFI is in the process completing
development on the beta version, and we aim to
be a pioneer in giving market participants around
the world a more balanced lending and financing
market.
Trust is an essential factor in all relationships with
lenders and financial institutions, because of the
intensely personal nature of the business. Since the
2008 financial crisis, the public’s trust in traditional
banking institutions has wan...

and transfers the pool to a legal entity (normally a
special purpose vehicle, “SPV”) established
specifically to issue bonds. Because of this, the
assets are not exposed to the risk of bankruptcy of
the originator’s bank nor to counterparty risk.
Then, the SPV structures the assets within the pool
into several tranches (usually according to the level
of risk) and issues securities
 — 
bonds
 — 
which are
backed by the cash flows generated by the
underlying assets. As a rule, rating agencies like
Standard & Poor’s assign a rating to every tranche,
where the rating of each tranche may be higher or
lower than the rating of others, depending on the
quality of the asset pool. Thereafter the SPV sells
securities, usually to institutional investors; in
certain cases, the originator itself may also become
an investor in a tranche. Finally, the SPV transfers
the proceeds to the originator.
The classic securitizatio...

3. PRODUCT
3.1. How the Product Works
AFI’s P2P interface will allow borrowers to request
a loan and for lenders on the system to directly
fund it. AFI’s AI system will run the credit
underwriting process including credit check, home
ownership and other relevant details. If the
borrower makes it through the underwriting
process, AFI will fund the loan request with money
from the pooled investment account. As part of the
closing process, AFI will set up a monthly
withdrawal of the payment for the note from one
of the borrower’s accounts.
AFI will then roll borrower’s debt into one of its
debt pools. The debt pools will be assembled in
tranches and sold to investors. Investors can
purchase AFI tokens to buy into these tranches of
and thereby have an ownership stake in these debt
pools.
Using blockchain technology in the pooling and
tranching of this debt has the following
advantages:
(a) First, and most importantly, all par...

AlchemySTO Roadmap

1
Q1 2017
Launch Alchemy.
2
Q2 2017
Formulate engineering and finance team.
3
Q3 2017
Secure financial institutions and retirement fund management interests; NDIRA and in discussion with a few more.
4
Q4 2017
Blockchain smart contracts design and acquire strong interest from students and individuals about Alchemy.
5
Q1 2018
Blockchain smart contract creation and integration.
6
Q2 2018
Alpha version of Alchemy P2P lending Network.
7
Q3 2018
Beta Version of Alchemy P2P lending Network.
8
Q4 2018
Expand Alchemy P2P Lending Network and integration score and credit riskiness valuation for potential borrowers.
9
Q1 2019
Partnerships and beta testing with relevant business, financial and legal partners.
10
Q2 2019
Release product for interested market participants (consumers can start request debt financing through AFI platform). Start with debt purchase.
11
Q3 2019
Product test run for new market verticals (real estate in Cambodia and the Philippines. Also the peer to peer market in SE Asia and Africa.).
12
Q4 2019
First batch transactions of securities and tranches with Alchemy coins.
Sheng-Wen(Justin) Cheng
Sheng-Wen(Justin) Cheng Co-Founder & CEO

Chen-Hsing (James) Fan
Chen-Hsing (James) Fan Co-Founder & COO

Benjamin Chen
Benjamin Chen Blockchain & Security Expert

John Tse
John Tse China & Southest Asia Sector B&D

JT Bell
JT Bell Co-Founder & Chief Strategy Officer

Chris Lowe
Chris Lowe Chief Risk Officer

Paresh Masani
Paresh Masani Executive Director of Investment Research

Yra Flores
Yra Flores Project Manager

Karan Bhatia
Karan Bhatia Director of Asset Acquisitions

Jerry Hsiang
Jerry Hsiang Executive Director of Business Development

David Weild
Advisors David Weild Security Exchange Advisor

Michael Christensen
Advisors Michael Christensen Blockchain Technology & Europe Section Advisor

George Han
Advisors George Han Singapore Section Advisor

Jacky Ho
Advisors Jacky Ho Incubator Mentor

Michael Creadon
Advisors Michael Creadon Product Research Advisor

Michael Kapilkov
Advisors Michael Kapilkov Advisor Board Member

Brian Condenanza
Advisors Brian Condenanza ICO Advisor

Yogesh Rje
Advisors Yogesh Rje Dubai Section Advisor

Feroz Sanaulla
Advisors Feroz Sanaulla Dubai Family Office Advisor

Blake Coler-Dark
Advisors Blake Coler-Dark Investor Relations Investor

Dilys Cheng
Advisors Dilys Cheng Marketing Advisor

Benjamin Chen
Benjamin Chen
Blockchain & Security Expert
Blockchain & Security Expert
Blake Coler-Dark
Blake Coler-Dark
Investor Relations Investor
Ex Managing Director, FCVC Advisors
Brian Condenanza
Brian Condenanza
ICO Advisor
Chief Crypto Marketing
Advisor
Advisor
ICO Advisor
Chief Marketing Advisor
Chris Lowe
Chris Lowe
Chief Risk Officer
Lead Blockchain Scientist
David Weild
David Weild
Security Exchange Advisor
Security Exehange Advisor
Feroz Sanaulla
Feroz Sanaulla
Dubai Family Office Advisor
George Han
George Han
Singapore Section Advisor
Investment [email protected] Innovations Investment & Portfolio
Singapore Section Advisor
Managing Partner at SNAP Ventures
Advisor
Board Advisor
Blockchain Advisor
Jacky Ho
Jacky Ho
Incubator Mentor
Blockchain Technology Advisor
Jerry Hsiang
Jerry Hsiang
Executive Director of Business Development
Third-Party Consultant
John Tse
John Tse
China & Southest Asia Sector B&D
China & Southest Asia Sector B&D
JT Bell
JT Bell
Co-Founder & Chief Strategy Officer
Michael Christensen
Michael Christensen
Blockchain Technology & Europe Section Advisor
Blockchain Technology & Europe Section Advisor
MICHAEL CREADON
MICHAEL CREADON
ICO ADVISOR
Michael Creadon
Michael Creadon
Product Research Advisor
Michael Kapilkov
Michael Kapilkov
Advisor Board Member
ICO / Crypto Strategist
Advisor
Blockchain Advisement New York
ICO advisor for CREDITS, Pundi X New York, USA
PARTNER, DATRIXO
Paresh Masani
Paresh Masani
Executive Director of Investment Research
BLOCKCHAIN & SECURITY EXPERT
BLOCKCHAIN DEVELOPMENT LEAD
BLOCKCHAIN & SECURITY EXPERT
Blockchain Development Lead
Blockchain Development Lead