With MoneyToken, there’s no reason to sell your BTC when you need cash or stable currency. MoneyToken provides crypto-backed loans, stablecoin MTC and a decentralized exchange service.
Rating Сoefficient Original Score icobench 0.283 4.1 4.1 tokentops 0.278 4.3 4.3 icorating 0.275 Stable+ 4 icoholder 0.12 3.95 4 foxico 0.044 9 4.5Ranks4.3team4.1vision3.9product3.9profileMichele ZilocchiEngineer, Business Developer and Crypto ExpertMar 13, 2018The product is a great idea, but there is plenty of banking ICOs, definitely bigger than MoneyToken. The team is young int the field, and I would expect the involvement of people with a background in ICO marketing The vision is good, nothing really disruptive compared to other ICO in which I took part. So it gets a 4.3team4vision3product2%WEIGHTSydney IferganMarketing Advisor - ICO Advisor - ICO Consultant - Crypto and FX ConsultantMar 14, 2018its a brilliant idea, and i'm sure that it will help many of us. we both believe on the crypto and we all think that to sell it is not a solution. but at the same time we do need to buy things ... you came up with the right solution. my question , the loan will be available for a specific country or worldwide?5team5vision5product2%WEIGHTIgor Karavaevico advisor and investorMar 13, 2018Improved my rating and hope they will improve the project description in the near future as promised5team4vision5product3%WEIGHTMofassair HossainCEO and Founder Perhalic, ICO Advisor, Investor, PR and Marketing ExpertApr 18, 2018I am updating my rating they shows lots of improvement in their work. Team is good but lack of information in wp .... Update rating : After discuss with the team I am changing my rating4team4vision4product2%WEIGHTChristopher ZeniosCOO | CMO | Speaker | Blockchain | ICO Specialist | Consultant | Advisor | Writer | Project Developer| InvestorMar 8, 20184team3vision3product1%WEIGHTProf. Dr. Ralf WandmacherProfessor of Finance and EntrepreneurshipMar 30, 2018team: + experienced in finance and technology vision: + lending on crypto holdings + Keep it simple and good - regulation to exchange functions unclear - platform opportunity is not clear - involvement in Tether is negative, as unaudited and management with negative records product: + simple - seems to copy saltlending.com partially - safety of collateral unclear - operating company for token sale and cryptocurrency loans registered in the British Virgin Islands - KYC, AML, ATF unclear -5team2vision2product1%WEIGHTIrina NikitinaLawyerMar 16, 20185team5vision5product1%WEIGHTBogdan FiedurICO and Blockchain Advisor. Full Stack and Ethereum/Solidity smart contract developer.Mar 10, 2018The token is not a security per whitepaper, but it lacks true utility function and this statement implies profits, which might interpret it as security. "The opportunity to become a lender when depositing IMT for Lender Membership." I like the concept of own exchange, but it might push back development of the platform and its readiness early enough to keep excitement, while no exchange lists the token for being seen as security.5team4vision3product2%WEIGHTDouglas LyonsBoard Advisor- Early Adoption and Strategic PartnershipsApr 18, 2018this project is using deceptive marketing practices and cannot show proof that they have raised any funds at all.1team1vision1product3%WEIGHTRichard KasteleinICO Advisor, 50+ ICOs since 2016, Founder and Publisher of Blockchain News, partner Blockchain Partners, founder Cryptoassets Design GroupMar 10, 2018This is smart. I like it. The first interesting financial ICO I have seen in some time. Great idea. Good team, could be bigger though.4team5vision4product3%WEIGHTIvan ZaytsevCrypto-currency enthusiast, Marketing specialistMar 11, 20185team5vision5product1%WEIGHTIgor Salikov"Love Is Forever When It's Written in the Blockchain"Mar 11, 2018Аfter an in-depth study of the project, i found out that this is a very interesting financial ICO. They will add more information soon, as promised. Good conversation with co-founders. Good luck!5team5vision5product1%WEIGHTNathan ChristianBlockchain Technology ConsultantMar 12, 20184team4vision4product2%WEIGHTGeorge HanICO AdvisorMar 15, 2018I like this product because of the enormous savings and predictability it will bring to investors. Confident the technology will allow owners of crypto assets the flexibility in their financial decisions5team5vision5product2%WEIGHTVAKEESAN MAHALINGAMICO Analyst|Content Writer|Trader| CFA Charterholder|ConsultantMar 28, 20184team3vision3product1%WEIGHTRick TapiaBlockchain Advisor and ConsultantMar 12, 20184team4vision4product1%WEIGHTTyler SanfordBlockchain & Marketing Consultant | Community ManagementMar 13, 2018Great Concept! Solid Team. Look forward to watching the progress of MoneyToken.4team4vision4product3%WEIGHTAnton TronenkoICO advisorMar 13, 20185team4vision4product1%WEIGHTFanjiang ZengCryptocurrency Speciallist, ICO Advisor & Angel InvestorMar 13, 20184team4vision3product1%WEIGHTMauro PresicceChartered Accountant, Marketing and Operational Advisor, Community Manager, Investor, Blockchain ManagerMar 13, 20184team4vision4product1%WEIGHTGiannis StathopoulosBusiness Development and OperationsMar 14, 2018A strong team with a very interesting project. Definitely worth checking it out!5team4vision4product2%WEIGHTP.B. Stanton Esq.Securities and Banking law | Former US Marine JAG Officer | Complete legal advisoryMar 15, 20184team4vision3product1%WEIGHTArtem KharchenkoAdvisor, IT entrepreneur, information security expert.Mar 15, 2018Very interesting project. Let's see what will come out of it.4team5vision5product1%WEIGHTReinhard BergerCEO Pecunio Blockchain TechnologiesMar 15, 20183team3vision2product1%WEIGHTAnuj KhannaCEO, Peak State, Venture Capital, Private Equity, Fundraising, Mergers and AquisitionsMar 15, 20185team5vision4product1%WEIGHTAndrey ZolinICO Advisor | CTO | Smart contract RDMar 15, 2018Strong team with good vision will build useful product5team5vision5product2%WEIGHTEugene PodkovyroffInvestor, Decentralized Economics Researcher, Crypto Visionary, FinTech Pro, Startup Mentor and AdvisorApr 11, 2018Brief overview (will extend later): Pros: 1. Strong team. Experience, resources, connections - all in all very solid appearance. 2. MoneyToken is actively engaging with both crypto industry leaders (got some inside here) and financial influences. With their honest support it has a great chance for success. 3. Clear and realistic milestones. 4. Properly done marketing materials and information disclosure. 5. Active communication. Even thought I didn't find much information on some topics in the public domain, most of the questions was answered by the MoneyToken team in the direct conversation via LInkedIn. Cons: 0. Vision is not that unique. So the key for the early success (which is crucial for the majority of ICO investors) will be the execution. 1. Key competitors looks stronger and better connected inside the industry and with regulators. MoneyToken has some connections though, we'll see. 2. I would say, that the financial requirements look a bit inadequate for the goals of MoneyToken. E.g. the legal tasks alone will likely take more, than a proposed Soft cap. But Hard cap will work. 3. Some milestone challenges (e.g. Amanda AI adviser) are not properly explained and evaluated. Didn't find any information on it in the MoneyToken's promo materials. AS far as I concerd, now it looks like AI here is not an AI, but rther some very limited ML for the user interactions and, probably, some basic data processing. A bit of BS marketing - but which ICO didn't do it? Overall a solid project to look after, if you are not largely invested in one of their many competitors. UPDATE 11.04.18 Based on the new discoveries about decietful and very controversial marketing practices, overall scores are updated.4team3vision3product2%WEIGHTJames SowersIco adviserMar 16, 20183team3vision3product1%WEIGHTPavlos TzegiannakisCo-Founder of CORE, ICO advisor, Passionate InvestorMar 16, 20185team5vision5product1%WEIGHTPaul MearsICO investor, cryto traderMar 17, 2018This is a good team with the right background. I liek tsi and see it as way better than products like SALT that lack the experience and legal and compliance knwoledge. It would be intersting to see how quickly they get a credit licence if they go down the FCA route and passport in EU. This would be a great comapny for FCA sandbox. I may have missed it but could not really see how collatoral is managed or held so that needs clarity but overall I like it a lot and one of the better ones attacking this space who have also thought about stop loss etc where many have just assumed crypto goes up...5team4vision5product3%WEIGHTHanna ZhyharBusiness Development ManagerMar 19, 2018The project seems quite fair and valid, plus, the described operational process is also clear, that happens with financial ICOs not very frequently. However, where is the working platform? And how long will it take to create it?5team5vision4product1%WEIGHTAlex Chang (Chia Ming)CEO of TimeBox | Serial Entrepreneur | Expert of Blockchain, Gaming, ICT Industry In Greater China and Northeast AsiaMar 19, 20184team4vision4product1%WEIGHTArthur ZubkoffFinTech & Marketing ConsultantApr 20, 2018Pros: + Blockchain + AI and money lending on steroids + Strong established team and star advisors + Good media presence; clear and easy-to-read whitepaper and other documentation Cons: - N̶o̶ ̶l̶i̶v̶e̶ ̶d̶e̶m̶o̶/̶a̶l̶p̶h̶a̶ (product score reconsidered based on account.moneytoken.com) - No roadmap on the website - Other competitors, but execution is the key4team3vision4product2%WEIGHTStefan JovanovicFull-stack EngineerMar 21, 2018Very good and promising project with strong team in background.5team5vision5product2%WEIGHTNazib UllahLawyerMar 22, 20184team3vision3product1%WEIGHTPetar SavicSerial Tech EntrepreneurMar 26, 20184team5vision3product1%WEIGHTVladimir NikitinADVISOR | CONSULTANT | EXCHANGES ListingApr 16, 20185team5vision4product2%WEIGHTAlexei StrasserSerial Entrepreneur | Growth Hacking ICOs & Blockchain Services| AdvisoryApr 9, 2018What distincts the project from competitors like SALT? I see the problem that is solved, nevertheless I think there will be more innovative ideas to tackle that problem soon so I don't fully buy in that idea.4team3vision3product2%WEIGHTDavid DrakeManaging PartnerApr 11, 20184team4vision4product1%WEIGHTHung Chih (Jason Hung)Serial Entrepreneur | Investor Meetup | ICO advisor | China Market | ExchangeMay 17, 2018Interesing idea, I think this is a read pains and needs. But so many similar projects make this project success become very challenge. A better finance service better have some asset guarantee or back by a real bank instead of just a platform service, this is for build up the trust foundation quickly before promote the service. Who knows the Collateral funds or Credit funds is real and trustable? I will update my rating if I have more finding.4team4vision3product3%WEIGHTJiří FialaNaeemur RahmanApr 16, 20183team3vision2product1%WEIGHTAmarpreet SinghBlockchain & ICO Advisor | Fintech | Innovation | Machine Learning | AI | Speaker & mentorApr 17, 2018Interesting project! Good team and all the best for future endeavours.5team5vision5product1%WEIGHTKonstantin NegachevKonstantin NegachevApr 17, 20185team5vision4product1%WEIGHTGraham DoggartBlockchain Advisor and ICO Growth Consultant. Founder at Dynamic Abundance AdvisoryApr 22, 2018Solid offering, great team.5team4vision4product2%WEIGHTNikolay ShkilevPhD | Entrepreneur | CEO | ICO Advisor | Crypto enthusiast | Blockchain expert | Public speaker | MentorApr 23, 20184team4vision4product2%WEIGHTGökhan KoçakBlockchain enthusiast. Innovator. Leader. International investor. Options and Futures trader.Apr 24, 20184team4vision4product1%WEIGHTPhillip NunnEntrepreneur | CEO | ICO Advisor | Cryptocurrency Evangelist | Global Speaker | Blockchain InfluencerApr 24, 20184team4vision4product1%WEIGHTZahid ImranICO expert and Advisor, consultantApr 27, 20184team4vision4product1%WEIGHTJonathan LaneMr.Apr 30, 2018With Roger Ver Advising on this project, they have a very strong team and the approach of de-centralized exchange is where the future is going.5team5vision5product2%WEIGHTDmitry PsheninPartner crypto fund | Marketing |Blockchain entrepreneur|Fundraise capital |InfluencerMay 6, 2018Top 10 of projects 2018. I look forward to the product. The all-star team with top advisors. The idea is not new, but in the hands of a good team the project has a great chance of success.5team5vision5product3%WEIGHTOliver IsaacsBlockchain Investor, Advisor, Influencer, SpeakerMay 4, 20184team4vision3product1%WEIGHTJulian ZegelmanCrypto Law Attorney | Blockchain Investor | Blockchain SpeakerMay 6, 20184team3vision3product1%WEIGHTMichael WilliamsonBlockchain Consultant, MBA, LSSGB, Former USA Financial Advisor, Insurance AgentMay 8, 2018In my opinion, this is no different than borrowing from margin. Transferring the same concept from the securities market makes sense. I do have some questions with regards to how much one can borrow vs value, caps, do you have the right to sell if Bitcoin were to go below a certain threshold just like how broker dealer are able to? Does the rate of interest vary depending on the total value borrowed or is it flat lined? *Please see my profile for disclosures.5team5vision5product2%WEIGHTDenis SmirnovBlockchain EvangelistMay 13, 20184team4vision4product1%WEIGHTRuben CisterninoBusiness Development, ICO AdvisorMay 18, 2018Seems like the real strength of this ICO lays in the Team and the great Advisors behind it. The idea of collateralized loans has been taken and applied directly from traditional financial markets but can result anyway in a good success since the potential target audience of customers is very wide. I would have preferred if they designed a smart contract directly connected to an "oracle" in order to have a fully self-executing contract, this is a slight limitation of using ERC-20 token. A bonus feature is represented by the introduction of Amanda as AI assistant helping and analyzing customers behaviors. Worth keeping an eye on this ICO in the future.5team3vision4product2%WEIGHTBenjamin RandallBlockchain AdvisorMay 30, 2018Many have questioned this company’s marketing practices. It seems as though this idea is similar to trading on margin. The token is not a security according to this company, but it lacks a true utility function. I like that they have their own exchange, but it might hinder development of the platform.4team3vision3product1%WEIGHTTinh TranICO Advisor | ICO Communications ExpertMay 31, 2018Strong team indeed with expertise and track record. Vision is good as trading good coins/ tokens today is risky and the idea will help holders to not sell BTC/ETH/BCH...while still having fund for doing their business is always a wish for everyone. The only thing I am concerned is how it is executed in reality?5team5vision4product3%WEIGHTVasily SumanovICO advisor, Economy researcherMay 31, 2018Digital assets as collateral is good idea, widely discussed in crypto space last years. Some startups are already collected funds for their projects as ETHLend, SALT and some others. Of course, this type of services will get mass adoption only when the cryptocurrencies will be common stuff for majority of people. But even now, when bitcoin drops down, many people for crypto community need funds for life and don't won't to spend their bitcoins/other digital assets for so low price. So, I think that in case of succesful tech implementation this service have good opportunity on market. Some questions/opinion: 1. I didn't find any developer team on your website 2. Github repositories are not updating since 1 feb (I mean stuff related to product, not for token issuance contract) 3. Do you have financial model and model for token? You calcultated demand for tokens ? 4. Do you have some yellowpaper or tech paper about your project? Your project is just an idea? Or no and you have some working tech stuff?4team5vision3product2%WEIGHTMohit TaterBlockchain & ICO Advisor, Investor, Serial EntrepreneurJun 1, 2018The MoneyToken project tries to be different to what other ICO platform offer and this is a refreshing approach. Most users would appreciate the strong role that blockchain technology plays in the use of the platform and it speaks volumes of the commitment of the team to stick to the project and make it work. In the very crowded space that the ICO offerings operate, this is a refreshing look at handling crypto currencies.4team4vision4product3%WEIGHTArthur IinumaContributor - CoinTelegraph, ForbesJul 30, 2018The concept is not new, and is similar to previous decentralized lending platforms like SALT. However, the space is big enough for competitors. The platform has launched and is already booking loans for users. The team appears well spoken, with a diversified experience and at least proven enough to attract top tier advisors like Roger Ver. This project will interesting to watch and with a proven concept, working product, should prove to have strong utility.4team4vision5product1%WEIGHTBenchyICO Analyzer BotOct 18, 20180team0vision0product7%WEIGHTTokenTopsJan 1, 1970MoneyToken were able to find and effectively solve a fairly common problem that arose against the background of the active passion on cryptotrading. MoneyToken is an extensive Financial Ecosystem. The platform will consist of and offer few different financial services, like lending platform for example. The whole transaction and the loan are recorded and executed by the Ethereum-based smart contract. Collateral funds are kept in a wallet, protected by a multi-signature. In order to have a fuller control over the funds and collateral, MoneyToken will also include a decentralized exchange in their services. Users will be able to buy cryptocurrencies of their choice with fiat money and also quickly exchange the loans to a currency they need. Moreover, they want to create their own stablecoin, which would be much safer and efficient than other cryptocurrencies which are susceptible to market price changes. The team behind MoneyToken is relatively small, however it consists of many experienced specialists. The project looks rather solid when it comes to the technical side and the solutions to problems presented in the whitepapers. The marketing aspect, with the site design and infographics is also very well done and the project seems to be user-friendly.bodMar 31, 2018I think it's worth mentioning that they have developed an interesting AI bot, called Amanda, which will will act as an Aritifical Intelligence Assistant within the platform who will be able to conduct automated operations connected with loans. She will also act as a guide and sort of tutorial for users if they have any problems.Ad87dynvhvi293Mar 31, 2018The introduction of stable coin, makes it easy to solve the problems with collateral, as the MoneyToken platform allows you to borrow liquid funds instantly, based on the current value of your cryptocurrency asset holdings. You take out a loan, collateralized with more volatile assets such as Bitcoin or Ethereum - and in return you receive an agreed loan amount in a stable currency. And after repaying the loan you receive your whole collateral back; even if the collateral has increased in value multiple times. This way, you're able to acquire liquid funds for immediate needs, and save your crypto position, all at the same time.Smart InvestorMar 30, 2018The main features of the MoneyToken are crypto-backed loans, stablecoin MTC and a decentralized exchange service. The sole idea of creating a stablecoin is very interesting and acts a great advantage for the project, as this will make it much better for lending money, as the user doesn't have to worry about rapid market changes, which would make it harder to pay back the loan. The overall of the project looks very decent, the design of the site looks good and the whitepapers provide detailed and transparent information about how the platform will work.RanksStable+Investment ratingHighHype scoreMediumRisk scoreRanks4.5profile4.2vision1.2activity4.3potential4.2product4teamRanks9idea9team9advisorspartners9tokenomics9project
The problem has been obvious for some time - spending crypto assets today prevents cryptocurrency holders from gaining on any future growth in asset value; holders who buy low need to hold on to their investments in order to benefit from selling high. This is where MoneyToken steps in. The MoneyToken platform allows you to borrow liquid funds instantly, based on the current value of your cryptocurrency asset holdings. You take out a loan, collateralized with more volatile assets such as Bitcoin or Ethereum - and in return you receive an agreed loan amount in a stable currency. And after repaying the loan you receive your whole collateral back; even if the collateral has increased in value multiple times.
This way, youre able to acquire liquid funds for immediate needs, and save your crypto position, all at the same time.
Token infoTokenIMTPlatformEthereumTypeERC20Price in ICO1 IMT = 0.005 USDBonusPresale: 50%, 40%, 30%, 20% according to the Whitelist position
Token Sale: 20%, 0%Token for sale10 120 000
Investment infoAcceptingETH, BTC, BCH, LTCDistributed in ICO45%Raised$37 189 195Soft cap3 000 000 USDHard cap35 000 000 USD
February 2017Concept Development
Formation of the teamJune 2017Platform Development underwayNovember 2017Internation Patent filling to protect tje IP of platformDecember 2017Official announement of the platformFebruary 2018Private Sale RoundMarch 2018Presale RoundQuarter 1, 2018Stablecoin as a loan currency
Bitcoin and Ether as a collateral
Repayment to Collateral Ratio selection
Loan repayment using collateral
Loan term extension options
Early repayment options
Amanda operating as loan assistantMay 2018Token Sale RoundQuarter 4, 2018Options to become a lender, depositing IMTs
MoneyToken Payment Card
MoneyToken lending API for external platforms: exchanges, wallets, mass mediaQuarter 2, 2019Adding more popular stable coins as credit currencies
Obtain financial licences and begin integration of fiat currencies as credit currencies
Adding successful ITO tokens with working products as collateral\
MoneyToken Mobile App
Amanda as SaaS (Software as a Service) for other financial servicesQuarter 4, 2019MoneyToken decentralized exchange launch
Decentralized decision making system
Atomic swaps and multi chain transactions, smart-contract deals