Welltrado
Welltrado
Token: WTL


Global Blockchain-Backed Loans Marketplace

ICO dates
Start date:
End date:

Registrated in: Lithuania

Platform: Ethereum
Type: ERC20

PREMIUM ICO

Welltrado categories
Artificial Intelligence Banking Big Data Investment Platform
Video
Welltrado token sale
KYC passing required Yes | Whitelist Yes | Restriction for countries USA, Singapore, South Korea, China, Hong Kong
Tokens for sale 65,000,000
Token distribution in ICO
65%
65%
Price 1 WTL = 0.001 ETH
Acceppting ETH
Welltrado news, social
Welltrado search trends in Google
Random whitepaper excerpts

Welltrado is an already operating scalable blockchain
based platform that seeks to enable investors to buy
and sell loans from thousands of di
ff
erent loan
providers globally, invest into peer-to-peer lending
funds (P2P) and manage investment portfolios.
Welltrado highlights

100+
P2P lending platforms have
connected to the Welltrado
platform.
200 waiting in line.
$930B+
Industry by 2024. In 6 years, the
P2P market will grow 7 times its
current volume.
1500+
Investors have used Welltrado to
help them invest in P2P loans
since the end of 2016.
4500+
Platforms gives unlimited potential
for growth and investor profit.
Great diversification opportunity.
50K+

active users to Welltrado.com
$3.5M+
invested through Welltrado
...

Table of Contents
1. Executive Summary
4
2. Intro to P2P Lending
6
2.1 Lending without the middleman
7
2.1 Better P2P lending through technology
7
3.2 Benefits for investors
8
3.3 Benefits for lending platforms
9
3. Market overview
11
3.1 P2P platform landscape
12
3.2 Cryptocurrency overview
14
3.3 Crypto assets
15
3.4 Welltrado in the market
15
3.4 Competitors
16
4. Welltrado solutions to the current market problems
17
5. Welltrado ICO and tokens
27
5.1 Crowdfund details
29
5.2 Token allocation & Use of funds
30
6. Roadmap
31
7. Team
32
7.1 Advisors
34
...

1. Executive Summary
P2P lending is a market that is currently experiencing explosive growth. The global
market volume reached
$114 billion
in 2017, with no sign of slowing down.
However, this expansive growth has presented
three major problems:

Di
ffi
culties in diversifying and managing investments

Issues with transparency and reputation

Problems with the mobility of cryptocurrency and assets across borders
We propose
three solutions
to them:
Cross platform loan aggregator with ratings and blockchain
Welltrado P2P fund for global and cross-border investors
Portfolio management of loans across platforms in a single dashboard
Welltrado is already an experienced player in the P2P platform market, with an
early version P2P platform aggregator already up and running. Through our
business and experience, we have identified these problems as some of the
biggest obstacles facing the P2P market.

We in Welltrado believe that the

P2P market needs technologically
advanced tools for making better
investments and loan management,
as well as a global P2P fund that
allows cross-border and crypto
investments.
We believe that our platform will
revolutionize market e
ffi
ciency,
transparency and profitability.

5
...

2. Intro to P2P Lending
Peer-to-peer lending, or simply P2P lending, is a part of the growing
$114 billion
industry of alternative lending forms. Through digital technology, P2P lending
platforms seek to simplify the borrower experience by cutting out the traditional
middleman—the banking industry—and instead o
ff
ering end-to-end loan solutions
to borrowers and lenders.
P2P Lending Explained in 5 easy steps:
1.
Borrowers post loan applications online on P2P platforms
2.
Lenders search online for loans to fund
3.
Lenders accept the loan application, often on multiple loans to diversify
and spread risk of default
4.
Borrowers get their loans funded
5.
Lenders receive debt service

Benefits for
P2P borrowers
+
Simple application process
Up to 2 working days
+
Quick funding
+
Transparent fees
Benefits for
P2P lenders
+
Diversify an...

2.1 Lending without the middleman
In the model of traditional lending institutions,
there is no immediate connection between
borrower and lender, as banks are the primary
institutional lending party. Individuals deposit
assets in the bank, gaining interest from this
investment. Borrowers apply to the banking
institutions for loans, o
ff
ering collateral in one
way or another. The bank can then utilize,
among other things, the deposited assets to
o
ff
er loans to borrowers that meet their risk
criteria.
P2P lending provides a direct pathway between
retail/institutional lenders and business and
consumer borrowers, with less or no need for
collateral, erasing the need for the third-party
involvement of banks. This provides e
ffi
ciency,
speed, and greater accessibility and mobility to
capital.
2.1 Better P2P lending
through technology
OPERATING COSTS AS %

OUTSTANDING LOANS 2015

3.2 Benefits for investors
Up to
10X
higher returns
We provide the ability to invest even in places where it has not been possible for more than 10
years. We believe that returns should not vary based on where you live – everyone should have
access to high interest rates.
Up to
7x
faster
On average, traditional investors open accounts on 7 di
ff
erent P2P Lending Platforms. It might
take days or even weeks to pass a verification process, get used to the new interface, and even
longer to manage and track investments. Welltrado makes this process much faster. Create an
account at Welltrado, get verified, and all platforms and their loans can be reached with a single
click.

What is P2P Lending?
8
...

More than
10M
loans in a single dashboard
No one can stop your lending, not even politics, economic policies or banks. No middlemen, just
you and the loans. Lower your risk by choosing from thousands of P2P lending platforms and
millions of loans.

3.3 Benefits for lending platforms
10x
faster administration process for investors
Many big Lending Platforms prefer to work with a few big investors rather than many single
individuals because of cost of administration and verification time. After the ICO Welltrado will
seek to become an Asset Management company, making us the preferred source of investments
for Lending Platforms. Welltrado will take care of the KYC of investors.
What is P2P Lending?
9
...

Welltrado Roadmap

1
December, 2016
Built a fully working MVP and integrated first 10 P2P lending platforms.
2
March, 2017
30 P2P lending platforms integrated and 300 investors referred through Welltrado.
3
March, 2017
Welltrado raised first investment from StartupWiseGuys.
4
September, 2017
50000 unique visitors at Welltrado. P2P loan aggregation mechanism initiated.
5
November, 2017
100 P2P lending platforms prepared for integration to Welltrado. Ready for token distribution.
6
December, 2017
Legal structure developed for institutional investors to get access to P2P market through Welltrado.
7
March, 2018
Distribution of Welltrado Platform Tokens.
8
May, 2018
Application for fund management license in Europe.
9
October, 2018
Receive the fund managing license.
10
December, 2018
Version 2.0 of Welltrado loan portfolio management platform for retail investors unveiled.
11
January, 2019
Token distribution of the first fund: Low yield fixed fiat income.
12
February, 2019
Version 3.0 of Welltrado loan portfolio management platform for institutional investors unveiled.
Tomas Medeckis
Tomas Medeckis CEO, Co-founder

Kim Nielsen
Kim Nielsen CDO, Co-founder

Zygimantas Stancelis
Zygimantas Stancelis CTO, Co-founder

Arturas Svirskis
Arturas Svirskis CBDO, Co-founder

Povilas Urbonas
Povilas Urbonas BDO, Co-founder

Aiste Paliukaite
Aiste Paliukaite Business development manager

Andrius Petkevicius
Andrius Petkevicius Blockchain developer

Wolfgang Richter
Advisors Wolfgang Richter Executive partner at DWF law firm

Tomas Martunas
Advisors Tomas Martunas Managing Partner GoldfishFund

Xiaochen Zhang
Advisors Xiaochen Zhang CEO Blockchain Frontier Group President, Fintech4Good

Ignas Mangevicius
Advisors Ignas Mangevicius Blockchain-Based Systems Developer, edgeless.io co-founder

Darius Barusauskas
Advisors Darius Barusauskas A credit risk scoring expert

Mike Boris
Advisors Mike Boris Managing partner at GB&Partners

Cristobal Alonso
Advisors Cristobal Alonso CEO at Startup Wise Guys, the leading B2B accelerator in Europe

Edward W. Mandel
Advisors Edward W. Mandel Blockchain advisor

Phillip Mcfall
Advisors Phillip Mcfall Bloomberg L.P. Financial Sales and Analytics

Arturas Svirskis
Arturas Svirskis
CBDO, Co-founder
Serial entrepreneur with a focus on marketing and business development
ICO Advisor
Strategic Advisor – Marketing
Marketing, Business and fundraising advisor
Artūras Svirskis
Artūras Svirskis
Advisor, Lithuania
Marketing Adviser at Entry.Money
Head of Strategic Partnerships
Cristobal Alonso
Cristobal Alonso
CEO at Startup Wise Guys, the leading B2B accelerator in Europe
Senior Advisor
Global CEO @ Startup Wise Guys
Edward W. Mandel
Edward W. Mandel
Blockchain advisor
Edward is an Ernst and Young Entrepreneur of the Year Finalist, Blockchain Enthusiast and visionary
CEO at Object Micro, Inc. (blockchain enthusiast, marketing)
Ignas Mangevicius
Ignas Mangevicius
Blockchain-Based Systems Developer, edgeless.io co-founder
Blockchain expert & Co-Founder of Edgeless
Tomas Martunas
Tomas Martunas
Managing Partner GoldfishFund
Chairman of Foodout Group. Managing Partner of Goldfishfund
Xiaochen Zhang
Xiaochen Zhang
CEO Blockchain Frontier Group President, Fintech4Good
Advisor
President of Blockchain Frontier Group
Crypto media: FinTech4Good Washington D.C. Metro Area
XiaoChen Zhang
XiaoChen Zhang
Global Strategic Partnerships FinTech4Good