Lendo
Lendo
Token: Lendo


Lendo

ICO dates
Start date: 2018-03-28
End date: 2018-09-30

Registrated in: UK

Platform: Ethereum
Type: ERC223

PREMIUM ICO

Lendo categories
Cryptocurrency
Lendo whitepaper
Video
Lendo token sale
KYC passing required Yes | Whitelist No | Restriction for countries USA
Hard cap 100.000.000 EUR
Tokens for sale 1,200,000,000
Price 1 Lendo = 0.2 EUR
Acceppting ETH, BTC, Fiat
Lendo news, social
Lendo search trends in Google
Random whitepaper excerpts

Table of Contents
Disclaimer................................................................................................................................................ 3
Introduction............................................................................................................................................. 4
Lendo’s Unique Benefits................................................................................................................................................ 4
ICO Summary...................................................................................................................................................................... 4
About Lendo............................................................................................................................................ 5
Lendo’s Due Diligence..................................................................................................................................................... 5
Limitless Potential ...................

Legal Disclaimer
Please read the following notice carefully before proceeding to read this white paper document issued by
Lendo, an exempted company incorporated and existing under the laws of the United Kingdom (hereinafter
– “Distributor”). This notice applies to all persons who read this document. Please note this notice may be
altered or updated.
The white paper does not constitute any relationship (contractual or otherwise) between you (hereinafter –
“you” or “Holder”) and the Distributor. Acquisition of the Lendo tokens is available only after accepting the
terms of the token sale (hereinafter – “T&C”).
Acquisition of Lendo tokens does not represent an exchange of crypto currencies for any form of ordinary
shares of the Distributor and a Holder of Lendo tokens is not entitled to any guaranteed form of dividend.
Holders of Lendo tokens are only entitled to certain rights as laid out within the Terms and Conditions.
Lendo tokens are not intended to constitute securities in an...

Introduction
Participate in the most exciting, secure and well-structured
ICO on the market.
Lendo is bringing cutting edge crypto technology to the
trillion-dollar world of conventional high street lending.
We offer the unique benefits of:
A clear business plan.
An experienced. team of finance, management and tech experts.
An established network of fully regulated lending partners.
Initial UK market focus with global expansion in phase 2 of rollout.
ICO Summary
About Ethereum Token (ELT)
The Token creation process will be organised
around the smart contract running on Ethereum
blockchain using the ERC223 standard.
Total Supply
ONLY 1.200.000.000 (1.2 billion) tokens
will be issued. The supply is locked.
Price per token
The price per token varies with each phase of the
ICO, meaning that early adopters will benefit from
a substantially lower price.
Token loyalty program
The vault (essential for any loan application) will

Lendo brings a breath of sanity to a crowded and confusing
market place.
With the recent proliferation of new ICOs hitting the market, it seems that many investors are being asked to
throw caution to the wind and forget the normal standards of due diligence required when providing funds
for company growth.
We deliver an impressive team of professionals and a compelling roadmap for growth which will
ensure quick and substantial market penetration of the vast global credit and financial industry.
Limitless potential – let’s look at the size of the
consumer credit market
Looking at the UK alone, British households borrowed a record £31.6 billion in 2016 - just from the purchase
of cars - according to the Finance and Leasing Association.
Bank of England statistics confirm that the total size of the market for personal loans, credit card debt and
car loans is approximately £198 billion. Meanwhile the mortgage lending market is a colossal £1.3trillion
according to the BOE. A mere 0.1% share...

The Team have set themselves a challenge to achieve a
0.
1% share of the consumer credit market in the U.K.
alone within 2 years. There are stalled loan applications valued in excess of $1.5 billion in the market because
rival platforms are either peer to peer (meaning they have to identify lenders as needed) or are using the
proceeds of the ICO (meaning liquidity is limited). Because Lendo has access to the world of regulated
conventional lending, additional funds can be accessed to meet demand.
First mover advantage – crypto currency as loan guarantee
Despite the size of the market, the UK lending industry has been slow to adopt blockchain technology
and has yet to recognise crypto currency as an asset which can be used as loan collateral.
There is a huge gap in the market and we are now able
to offer the tools, expertise and technology solutions to
enable lenders to accept crypto currency as loan collateral.
We can also speed up the conventional lending process by using ‘end to end...

Lendo Vault Explained
Lendo provides a means for borrowers to raise a cash loan against the cryptocurrency
assets accepted by Lendo and its partners.
These assets are stored as collateral by Lendo for the period of the loan –
similar to a conventional escrow system.
1. The Borrower applies for a loan.
2. Loan accepted via optional smart contract.
3. Crypto Currency deposited as collateral
4. Loan issued in fiat.
LENDO VAULT
Crypto Currency
deposited as
collateral
Loan accepted
via optional
smart contract
The BORROWER
THE LENDER
The Crypto currency is returned to
the borrower on repayment of the loan.
LOAN ISSUED
What happens to my crypto collateral when I’m accepted
for a loan?
The crypto currency collateral is deposited in the secure Lendo Vault – the vault is built on our
proprietary, ultra high security software system.
Borrowers will always be able to see that their funds are safely stored there whe...

Lendo’s Business Model
and Operating Strategy
Generation of funds/
seed capital
$ ¤ £ ETH BTC
Business
Model
Lendo lending platform
Operating strategy/
USP
Lendo route to market
Buyers purchase Lendo tokens
using crypto or fiat currency.
The Lendo tokens will be
issued
via Ethereum smart contracts
and have the potential to show
a marked increase in value
once the tokens are listed on
an exchange and when the
Lendo lending platform goes
live.
Lendo will be a commercial
lending platform powered
by proprietary blockchain
technology.
Lendo will provide the
software protocols and
crypto expertise necessary to
enable conventional lenders
to accept crypto currency as
collateral*
There is a huge gap in the
market as conventional
lenders do not have
sufficient knowledge to
collateralise new currencies.
*Crypto currency will be acce...

Our UK Lending Partners
Lendo has signed an agreement with well-established and fully licensed UK lending companies.
These lenders specialise in personal loans, consumer credit and car finance which total a 198-billion-pound
market in the UK.
All lenders are regulated by the FCA (Financial Conduct Authority) who control and strictly regulate
the entire UK financial services industry, including everything from banking, mortgages, insurance and
consumer loans to the wealth management and securities market. www.fca.org.uk
The UK is generally recognised as being one of the world’s
safest and most transparent financial markets, so FCA approval
is a highly sought after ‘badge of credibility and security’.
Key Questions:
What incentives do lenders have to work with Lendo?
1. Lenders will gain ‘first mover advantage’ and gain extra market share by attracting
new swathes of borrowers (who own crypto coins).
2. Lenders will be trained in and acquire new blockchain lending technology,...

Lendo Roadmap

1
OCT 2016
LENDO COMMENCES STRATEGY & CONCEPT PLANNING.
2
FEB 2017
???LENDO FOUNDERS APPOINT MANAGEMENT & FEASIBILITY TEAM.

3
OCT 2017
LENDO FORMS UK COMPANY & HIRES FULL OPERATIONAL & TECH TEAM.

4
MARCH 2018
ICO PRE-LAUNCH
TOKEN SALES COMMENCE.
5
APRIL 2018
ICO LAUNCH.
6
JUNE 2018
FIRST UK LENDNG OPERATIONS COMMENCE.
7
JUNE-AUG 2018
LENDO ROLLS OUT
THE ADDED VALUE SERVICES (CREDIT CARD AND MERCHANT SYSTEMS ETC).
8
SEPT 2018
GLOBAL LENDING OPERATIONS COMMENCE.
9
???????JUNE 2019
PHASE 2 OF THE LENDO TOKEN ECOSYSTEM IS LAUNCHED.
David Honeyman
David Honeyman CEO of LENDO

Mikael Olofsson
Mikael Olofsson Board Director

Ken Tachibana
Ken Tachibana Executive Advisor, Far East and Japan

Erkan Er
Erkan Er Chief Technical Officer

Nimrod Zvick
Nimrod Zvick Director of Marketing

Paul Lowin
Paul Lowin Business Development Director

Professor Codrin Vlad
Professor Codrin Vlad Compliance Manager

Robert Burgdorf
Robert Burgdorf Mobile and Web Developer

Tamlin Taylor
Tamlin Taylor Creative Director

Asya Karsheva
Asya Karsheva Social Media Consultant

Dani Milchev
Dani Milchev Digital Marketing Advisor

Bahar Arorar
Bahar Arorar Public Relations Officer

Eleanor McKenzie
Eleanor McKenzie Press Officer

Hasmik Gevorgyan
Hasmik Gevorgyan Administration Assistant/Customer Service

Steve Leslie
Steve Leslie Senior IT Consultant

James Canepa
Advisors James Canepa Legal Advisor

Gonzalo García de Diego
Advisors Gonzalo García de Diego Legal Advisor

Bogdan Rosu
Advisors Bogdan Rosu Marketing Advisor

Eduards Baginskis
Advisors Eduards Baginskis Banking Advisor

Leonard Tan
Advisors Leonard Tan Blockchain Advisor

Nadja Bester
Advisors Nadja Bester Digital Marketing and PR Advisor

Arthur Rangel
Advisors Arthur Rangel Financial and Business Advisor

Eric Sheehan
Advisors Eric Sheehan Cybersecurity Advisor

Mark Francis
Advisors Mark Francis Regional Business Advisor

Andrew Branscombe
Advisors Andrew Branscombe Technical Advisor

Mikael Olofsson
Mikael Olofsson
Board Director
Co-Founder and Entrepreneur in Residence
Ken Tachibana
Ken Tachibana
Executive Advisor, Far East and Japan
Advisor of LENDO
Technical & Finance Specialist PLUS Advisor on Advisory Board
Marketing Advisor, Asia
Chief Financial Officer
Advisor, London, United Kingdom
Bogdan Rosu
Bogdan Rosu
Marketing Advisor
Eduards Baginskis
Eduards Baginskis
Banking Advisor
Advisor in Gibraltar
Leonard Tan
Leonard Tan
Blockchain Advisor
Advisor - Fintech
Advisor
Blockchain Advisor
Technical Advisor
Advisor Ethereum, ConsenSys
TECHNICAL ADVISOR
Blockchain Advisor
Mark Francis
Mark Francis
Regional Business Advisor