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The Bridge of Mutually Beneficial Cooperation” (BMBC) is an international p2p platform, created to connect lenders from developed countries with the most reliable and successful borrowers (only AA Risk Rating) from developing countries.
In the developed countries of the West, money is very cheap. Rates of Central Banks are close to zero, and in some – even negative. Central Bank Rate is a key factor, which determines the loan cost in the country. Interest rates on deposits in banks for the population are very low. P2P platforms and banks in such countries are very beneficial to borrowers, but not to lenders, because the income is very low (less than 5% per annum for reliable AA borrowers). Thus, in order to get a higher income, one needs to take very risks and give loans to unreliable borrowers. The situation is exactly the opposite in developing countries. Money is very expensive, and there are almost no credits for a long term. This is bad for borrowers, but very good for lenders, as they can get significantly higher income without any risks, giving money only to the most reliable borrowers (only AA Risk Rating). Given all this, it turns out that the most optimal and profitable model of the p2p platform is the combination of lenders from developed countries and borrowers from developing countries. This is beneficial for both parties, so we decided to build such financial and mutually beneficial bridges between people from different countries. Now we are only at the beginning of this path, we work with lenders from any country in the world, but the borrowers are only from Russia. Over time, we will draw borrowers from other developing countries.
There are a lot of differences from other p2p platforms:
1) We accept contributions from the lenders for a period from 1 to 7 years. Other platforms – mainly from 3-5 years. It gives our lenders more opportunities to effectively manage their money.
2) We work only with the most reliable borrowers (only AA Risk Rating), while other platforms work with anyone.
3) We act as guarantors and warrantors for all the loans on our platform. We provide insurance for all the contributions of the lenders. Other platforms prefer not to take full 100% responsibility for all the money. At best, they may guarantee a partial refund.
4) According to the Russian legislation, the founder of our platform is responsible for the money of the lenders not only with the property and the guarantee fund of the platform, but with all their personal property. Other platforms do not provide such guarantee of deposit safety.
5) Other platforms give the lenders the right to choose borrowers themselves, thereby removing the responsibility for the result (for repaying money) from themselves and completely shifting all responsibility and all risks to the lenders. We choose borrowers for our platform’s lenders themselves, thus, removing all the responsibility and risks from the lenders and fully accepting all the responsibility. Therefore, we are much more interested and motivated than other platforms to choose only the most reliable and successful borrowers. We risk our own money, so we choose borrowers much more strictly and thoroughly. Not only do we have qualified lawyers, but we also have our own collectors.
6) Not many p2p platforms can proudly say that over 5 years of work they have not had a single case where the lender did not receive back all their money together with interest. Either the borrower pays, or we pay for the borrower, but the lender will not suffer in any case. This is a principle of our platform. We are absolutely sure that we will not have such cases in the future either.
7) We do not have any commission fees for the lenders. Lender does not pay for the work of the platform, for the transfer of money, as well as for the conversion of currencies, and anything else. All the commission fees are at our expense. The lender gets the exact amount which has been calculated with our special calculator and is specified in our contract.
8) In comparison with other platforms, we pay lenders a higher interest rate (taking into account AA Risk Rating), from 8 to 11% per annum (in euros).
9) The interest rate on other platforms depends on the reliability of borrowers, while our interest rate depends on the term of the deposit. The fact is that there is no problem with short-term credits in Russia, but we lack long-term ones. That is why the borrowers are ready to pay much higher interest for long-term credits. https://bmbc.online/creditors/
10) We provide only real estate loans upon the security of real estate or loans for small business development and expansion. We provide loans not for beginning start-ups, but for verified, trusted, stable and successful small enterprises with long term experience, sufficient proved profit and pledged assets.
11) With our platform you can open a savings deposit using the traditional currencies of any country in the world and also some cryptocurrencies.
12) We peg in the framework of the platform a BMBCoin exchange rate (in euro) to BitCoin. (1 BMBCoin = 1 BTC) We attach our truck to the most powerful locomotive of Bitcoin. This makes our investors much more confident about the growth of our recently appeared token, because it will depend not so much on the balance of supply and demand at the exchange as it usually happens, but rather on the growth of BitCoin.
13) We insure the holders of our tokens from BitCoin fall. We absolve from losses, guaranteeing that we will accept our tokens to deposits at a rate (in euro) no less than the rate for which they were purchased during the last ICO round, even if the Bitcoin rate fell.
14) The next rounds of ICO will not become a problem for the holders of BMBCoin, as they will not decrease the exchange rate. On the contrary, as our token grows, the next ICO rounds will be very profitable for investors, because they will raise Y - the minimum cost of reverse reception of tokens by the platform.
15) The price for 1 BMBCoin token in any round of ICO will be 0.95 BTC. That is, the participants of ICO will actually receive a one-time bonus of 5%. After having received our coin for 0.95 BTC, they can immediately transfer it over to the platform, but already at a price of 1 BTC (in euro). Thus, ICO participants who will then make a deposit the amount of which will be fixed in euro will receive the income consisting of two parts: 5% as one-time bonus + 8 - 11% per annum (depending on the period) for the deposit. And those ICO participants who will fix their deposits in BMBCoin will receive three types of income at once: 5% as one-time bonus + 8 - 11% per annum (depending on the period) for the deposit + value growth (change) of our tokens pegged against Bitcoin for the whole period of the deposit.
We do not have any problems with finding borrowers. The applications which are already approved for loans will last for several months of work. So now we are focused only on finding new lenders. Our p2p platform is ideal for people who want to have a stable, high and reliable fixed passive income. For people looking for new ways to increase their money as easy and safe as a bank deposit, but only with a higher interest rate. For people who want to save more money for the time they retire, to pay for the education of their children, or to buy a new house for their family. There are people among our clients, who not only increase their money, but also the money of others. They earn the money on the difference in interest rates in Russia and the Western countries. It means they take a loan in a Western bank at a low interest rate and immediately lend this money through our platform at a much higher interest rate. At the end of the deposit period, they receive the money from us, return it to the bank, and get a very significant difference for themselves. Our platform now has become interesting to those, who prefer cryptocurrencies and make long-term investments, preferring passive income. Now they can gain not only active income by gambling on the exchange and gaining profit from token exchange fluctuations, but also receive passive income from the growth of cryptocurrency exchange rate. Now, with our platform, they can also get passive fixed income in addition to these two ways mentioned by multiplying their tokens by 8-11% per annum through lending money to borrowers with the best AA credit rating from developing countries. And since the rate of our BMBCoin token is pegged against Bitcoin, though indirectly, which demonstrates sustainable growth, the aggregate effect from these two methods of gaining passive income is impressive. Besides, not only do we invite common people for cooperation, but we also engage institutional investors, financial advisors, other p2p platforms, bloggers and media professionals specializing in finance. By the way, we are not included in the list of persons and companies subject to sanctions, so our potential customers have nothing to worry about.
If we offer our clients the best ratio of profitability and reliability, then why don’t we overtake LendingClub and Prosper and become the largest p2p platform in the world? It’s only a matter of time)))
The full White Рaper version is not finished yet, but the main part of it, which is the concept of our token, is already available.
Sales of BMBCoin tokens is carried out by BMBC, which is a P2P online platform for credits and saving deposits. It is designed to connect private lenders from the countries with low interest rates on credit resources to the best borrowers (AA risk rating) from countries with high interest rates on credit resources. The proposal will be available to public from any country in the world.
BMBCoin tokens are created primarily for investors who prefer passive income to an active one and invest for a period of at least one year. Although our tokens will also bid on the exchange and enthusiasts gambling on exchange rate fluctuations can benefit from these fluctuations, we are more focused on other investors. Those who want to gain a passive income, contributing to success of other people, the real sector of economy. Those who want to earn, contributiong to the growth of small and medium business, or improving the living conditions of other people. Those who want to earn a passive income from the growth of Bitcoin rate and a fixed passive income from lending their money to the most reliable borrowers. We don't offer the buyers of our tokens to choose one of these two ways of gaining passive income, but suggest them employing both methods simultaneously to get an aggregate effect.
BMBCoin tokens give their holders the right to make savings deposit with BMBC platform (to provide with BMBC platform and under the insurance guarantees of BMBC loans for borrowers with the best AA credit rating from developing countries). The interest rate on the platform is 8-11% per annum, depending on the period of the deposit. Deposit contract amounts are fixed either in euro for those wishing to get their money together with the interest at the end of the term in fiat currency, or in BMBCoin, for those wishing to get their money together with the interest at the end of the term in cryptocurrency. When the amount is fixed in euro, the platform undertakes to accept each BMBCoin at the highest rate of the following two rates (X or Y). Where X is the current market exchange rate of 1 Bitcoin (BTC) in euro for the moment of depositing. And Y is the cost of BMBCoin tokens' allocation in euro in the last ICO round.
With such an approach, we are solving three most important issues for the holders of our tokens: (1) We peg in the framework of the platform a BMBCoin exchange rate (in euro) to BitCoin. We attach our truck to the most powerful locomotive of Bitcoin. This makes our investors much more confident about the growth of our recently appeared token, because it will depend not so much on the balance of supply and demand at the exchange as it usually happens, but rather on the growth of BitCoin. (2) We insure the holders of our tokens from BitCoin fall. We absolve from losses, guaranteeing that we will accept our tokens to deposits at a rate (in euro) no less than the rate for which they were purchased during the last ICO round, even if the Bitcoin rate fell. (3) The next rounds of ICO will not become a problem for the holders of BMBCoin, as they will not decrease the exchange rate. On the contrary, as our token grows, the next ICO rounds will be very profitable for investors, because they will raise Y - the minimum cost of reverse reception of tokens by the platform.
The stock exchange rate of our token will be independent and based on fluctuations in demand and supply and speculations. But we expect it to waver around the Bitcoin rate, mostly with a little lag. It's silly and illogical to sell/buy a token much cheaper/more expensive if it is accepted on the platform for the price of Bitcoin. We will only be interested in the exchange rate in two cases: (1) If the average rate of BMBCoin during the last week exceeds the average exchange rate of Bitcoin (BTC) during the last week, i.e. our token for a short time will be the most expensive cryptocurrency. (2) If no BMBCoin purchase/sale transaction is registered on the stock exchange for a month. Any of these events will be a clear signal for us and our community that the majority of tokens have been transferred into long-term deposits to the platform, that the supply of tokens on the exchange is clearly lagging behind the increased demand, that the system is objectively short of money. Which means we have to grow up and have to announce the next round of ICO. So, you've probably realized that BMBCoin tokens will be issued not by mining, but exclusively in the framework of ICO rounds. The second and further rounds will be announced only if BMBC platform is successfully developing. The evidence of which will serve any of these two events described above, or the onset of the third event - (3) joining other projects to BMBCoin zone. For the monent this White Paper is written, two large, promising projects have already been accepted for absorption and joining to our token zone. The projects will be sold to the founder of BMBC (private banker Kashirsky Yuri). Then, these projects' ICO will take place, but no new unique tokens will be issued. Instead, BMBCoin tokens will be issued for the amount of money collected and distributed to buyers. They can be used on any platform, any site within the BMBCoin project area. We are proponents of consolidation, alliances, acquisitions of projects and cryptocurrency enlargement.
The number of BMBCoin tokens offered for sale will not be restricted in any round of ICO. Further 20% of tokens (for partners, consultants, members of the Bounty program, and team members) will be added and distributed in any round of our ICO in addition to those sold to investors. The minimum investment amount is equivalent to €100. BTC, ETH, Monero and Zcash are accepted for payment. The price for 1 BMBCoin token in any round of ICO will be 0.95 BTC. That is, the participants of ICO will actually receive a one-time bonus of 5%. After having received our coin for 0.95 BTC, they can immediately transfer it over to the platform, but already at a price of 1 BTC (in euro). Thus, ICO participants who will then make a deposit the amount of which will be fixed in euro will receive the income consisting of two parts: 5% as one-time bonus + 8 - 11% per annum (depending on the period) for the deposit. And those ICO participants who will fix their deposits in BMBCoin will receive three types of income at once: 5% as one-time bonus + 8 - 11% per annum (depending on the period) for the deposit + value growth (change) of our tokens pegged against Bitcoin for the whole period of the deposit.
The funds collected during ICO will be firstly transferred to the insurance fund of BMBC Project to cover already issued and future loans. With this fund we provide a refund to lenders if the borrower is late with payment. The fund covers 100% of all loans issued via our platform. In addition to the insurance fund, this money will be invested in project advertising, new loans and, if necessary, in gradual expansion into new regions and countries.