Crowd for Angels
Crowd for Angels
Token: ANGEL


Crowd Bond Investment Opportunities

ICO dates
Start date: 2018-02-01
End date: 2018-02-14

Registrated in: United Kingdom

Platform: Ethereum
Type: ERC20

PREMIUM ICO

HARA

Empowering billions by utilizing a global and transparent data exchange.
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Goal: 17,000,000 USD
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Goal: 17,500,000 USD
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Crowd for Angels categories
Investment
Crowd for Angels whitepaper
Video
Crowd for Angels token sale
KYC passing required No | Whitelist No | Restriction for countries USA, China, Korea
Hard cap 50,000,000 GBP
Tokens for sale 5,000,000,000
Acceppting ETH, BTC, DASH, Fiat
Crowd for Angels news, social
Crowd for Angels search trends in Google
Random whitepaper excerpts

Disclaimer
You should carefully consider the risk factors on pages 26 and 27 of this private Information Memorandum. The
Bonds represent debt obligations of the company only.
The information contained herein is confidential and may not be reproduced in whole or in part.
If you are in any doubt about the action you should take or the contents of this Crowd for Angels Liquid Crypto
Bond with attached Initial Coin Offering Information Brochure (the “Document”), you should seek advice from
an independent financial adviser authorised under the Financial Services and Markets Act 2000 (“FSMA”) who
specialises in advising on investments in bonds, shares and other securities, including unlisted securities.
This Document, together with the website Terms and Conditions (“Terms”), constitutes a financial promotion
pursuant to Section 21 of the FSMA, and has been issued and approved by Crowd for Angels (UK) Limited
(Company number: 03064807) (“CfA”), 8 Little Trinity Lane, London EC4V 2AN, which is authorised...

Contents
1) A Message from our Founder
17) Token Model
2) Crowd Bond Offer Details
18) Developments to date & road map
3) About Us
19) Our Team
4) Crowdfunding Market Background
20) Our Advisors
5) Competitor Analysis
6) Liquid Crypto Bond (LCB)
7) Use of Funds
8) Initial Coin Offering (ICO)
9) Token Distribution
10) Token Technology
11) Blockchain Architecture
12) Smart-Contracts as Used in Crowdfunding Campaigns
13) Stakeholders in the Crowd for Angels Ecosystem
14) Why is Crowd for Angels issuing tokens?
15) Token Economics
16) Valuation of Token
CfA Brochure
3
...

1) A Message from our Founder
Dear Investors,
Crowd for Angels (UK) Limited (CfA) is an FCA authorised crowdfunding platform for both debt and equity
funding. Launched in January 2014, we have developed a sophisticated platform and helped companies
connect with thousands of investors to raise the funds they need for expansion.
Our investors get the opportunity to invest in shares in a tax efficient manner through the use of SEIS/ EIS tax
relief and through Crowd Bonds that can be held within the tax free Innovative Finance ISA (IFISA) wrapper. We
have successfully raised several million pounds for a number of ambitious growth companies via a mix of equity
and debt pitches.
In an environment of low interest rates, there is a significant demand for products offering higher interest rates.
Recent data from financial information website Moneyfacts shows that the average one year Individual Savings
Account (ISA) rate stood at just 1.08% in November 2017. At the same time there is high demand for good
qu...

2) Crowd Bond Offer Details
Name:
Issuer:
Symbol:
Investment Target:
Use of proceeds:
Minimum Investment:
Token Supply:
Liquid Crypto Bond (LCB)
Crowd for Angels (UK) Limited
ANGEL
Up to £50,000,000 in 4%, 5 year Bonds.
Investors who subscribe for less than €100,000 (£90,000) of bonds will be considered
to be taking part in an offer of transferable securities where the total consideration for
the securities being offered in the EEA States is less than €5 million (£4.5 million). Those
investors who subscribe for more than €100,000 (£90,000) of bonds will be considered
to be taking part in a simultaneous but separate offer. Euro to Pound exchange rate
taken at €1 = £0.90
To invest in a range of secured Crowd Bond issues listed on the Crowd for Angels
platform.
£100
5 billion ANGEL tokens.
Accepted forms of
payment:
Token Distribution
Crowd for Angels will issue 5 billion tokens. For every £1 inve...

3) About Us
Crowd for Angels (UK) Limited, the issuer of the Liquid Crypto Bond (LCB), is incorporated and registered in
England and Wales under company number 03064807. Our offices are located in the City of London at 8 Little
Trinity Lane, London, EC4V 2AN.
Crowd for Angels is an FCA authorised and regulated crowdfunding platform launched in 2014 for both debt and
equity funding. It has, over a number of years, developed a sophisticated platform and has successfully funded a
number of companies.
Below is a diagram outlining the user’s journey through the platform to purchase a LCB.
6
CfA Brochure
Figure 1: Purchase process
...

4) Crowdfunding Market Background
The Competitive Landscape
The online alternative market in the United Kingdom increased sharply over the past years. This as a result of small
businesses and entrepreneurs having had limitations and restrictions placed on them while trying to access bank
loans. Investors who sought higher returns than available on their money, started to invest via online platforms for
better returns.
CfA is regulated by the FCA for funding investment debt products, which means that besides offering products
such as debentures, convertible loans, it can also compete with P2P in making loans. The peer-to-peer (P2P)
lending market was valued at $26 billion in 2015 and is projected to reach $460 billion by 2022, growing at a
compounded annual growth rate (CAGR) of 51.5 percent from 2016 to 2022 according to a recent report from
ResearchandMarkets.
Dispite the growth witnessed, many companies operating in the sector remain loss making at large. Intervention by
governments and instituti...

5) Competitor Analysis
Key Players in the Market
Lending Club
- Founded in 2007, Lending Club is the world’s largest P2P lending platform with over $20 billion in
loan issuance. It offers both consumer and small- and medium-sized enterprise (SME) loans over fixed periods of
36 or 60 months. Lending Club has grown exponentially and currently has a 45% market share. It raised over $800
million from its IPO in 2014, but its share price has since fallen 72%.
Prosper
- Launched in 2006, Prosper was the first P2P platform in the US. It has since funded over $6 billion in
loans and serviced over 2 million customers. Prosper only offers unsecured consumer loans and does not make
SME loans.
Funding Circle
- Is a P2P marketplace that allows investors to lend money directly to small and medium-sized
businesses. It was the first website to use the process of peer-to-peer lending for business funding in the UK, and
now operates in the UK, US, Germany, Spain, and the Netherlands. As of Dec 17,...

Figure 2: Porter’s Five Forces against emerging competitors (ICOs)
Threat of new entrants:
Moderately high: The high cost and time required to set up a crowdfunding platform
restrict new competitors to enter the market easily unless they have substantial funds.
The new entrants tend to minimise the regulatory hurdles they have to undergo. New
models using blockchain assume that the technical ability will overcome regulatory
issues.
Bargaining power of
buyers
Moderately low: Investors tend to look for investments that offer security, high interest
rates and possible tax benefits. Interest rates on deposits are currently very low:
Moneyfacts reports in 2017, the average cash ISA rate was as low as 0.82%, with
a current overall average of 1.08% (November 2017). According to government
statistics, at the end of the 2015/16 tax year the total market value of Cash ISAs was
£250.7 billion.
Threat of substitute
products or services
Moderately Low: It is not immediately...

Crowd for Angels Roadmap

1
2013
Platform development begins.
2
2014
Received FCA permissions.Beta launched. Platform launched.
3
2015
First company funded.
4
2016
First international raise.
5
2017
Approved as an IF-ISA Manager. First bond pitch funded.
6
2018
Issue of Liquid Crypto Bond (LCB) . Initial Coin Offering (ICO). Issue of Token.Lend £50 million.
7
2020
Lend £65 million.
8
2023
Crowd invest £1 billion in pitches. Lend £1 billion. Repayment of LCB.
Richard Gill
Richard Gill Compliance Officer

Andrew Adcock
Andrew Adcock Chief Marketing Officer

Kenrick De Nazareth
Kenrick De Nazareth Financial Officer

John Collins
Advisors John Collins Technology Advisor

Professor Wilson Ng
Advisors Professor Wilson Ng Investment Advisor

Ismail Malik
Advisors Ismail Malik ICO Marketing Advisor

Henry Watkinson
Advisors Henry Watkinson Institutional Advisor

Ken Tachibana
Advisors Ken Tachibana Marketing Advisor, Asia

Theodosis Mourouzis
Advisors Theodosis Mourouzis Blockchain & Strategic Advisor

Stylianos Kempakis
Advisors Stylianos Kempakis Statistics & Data Scientist

Ismail Malik
Ismail Malik
ICO Marketing Advisor
Britain Co-founder
BlockchainLab Founder
Blockchain R&D and ICO Advisor
Blockchain R&D + ICO Strategist
Advisor
Blockchain R&D, ICO Strategist BlockchainLab
Editor In Chief ICO Crowd
Marketing & PR Adviser
Advisor
Advisor
Marketing Advisor
Blockchain and media advisor
Blockchain Advisor
CEO of Blockchain
Crypto media: ICO Crowd London, United Kingdom
Ken Tachibana
Ken Tachibana
Marketing Advisor, Asia
Advisor of LENDO
Technical & Finance Specialist PLUS Advisor on Advisory Board
Executive Advisor, Far East and Japan
Chief Financial Officer
Advisor, London, United Kingdom
Theodosis Mourouzis
Theodosis Mourouzis
Blockchain & Strategic Advisor
CRYPTOGRAPHY, DATA ANALYSIS, BLOCKCHAIN ADVISOR
BLOCKCHAIN ADVISOR
Cryptologist, UCL Centre for Blockchain Technologies
Advisor
Cryptography & Blockchain Specialist
Advisor
Cryptography & Blockchain Specialist