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Última actualización

10 sept. 2020

Una plataforma de IOU / crédito P2P
1 sept. 2020
30 sept. 2020
100% terminado
Fondos recaudados - sin datos
Detalles del token
Detalles de la compañía
País registrado
United Kingdom
Detalles adicionales
MVP / Prototipo
We are currently working on building our blockchain layer using Babble.

Acerca de Sikoba

Sikoba es una plataforma de dinero descentralizada basada en pagarés punto a punto y basada en tecnología blockchain. Los participantes que se conocen y confían mutuamente en la vida real se otorgan líneas de crédito mutuas en el sistema Sikoba. Luego pueden pagarse entre ellos sin usar dinero fiduciario. Estas relaciones de crédito de igual a igual se rigen por contratos con condiciones específicas, estructuras de tarifas y reglas de pago. Al usar la conversión de crédito, un tipo de fluctuación configurable, los pagos entre participantes que no confían entre sí se hacen posibles. El dinero fiduciario o las criptomonedas se utilizan cuando no hay enlaces de crédito entre los participantes, o para pagar saldos pendientes cuando sea necesario.


Basado en la investigación de la teoría monetaria

Sikoba fue creado por el fundador de New Money Hub, un grupo de expertos centrado en teoría monetaria y sistemas económicos estables.

Fichas de Sikoba

La preventa de tokens ha terminado, nuestro equipo recién ampliado ahora está remodelando nuestra estrategia y preparándose para nuestro siguiente movimiento emocionante. Estén atentos ...

Nuestra visión: la última aplicación de finanzas distribuidas

Con los préstamos P2P creciendo al 50% p.a., vemos el mercado de los pagarés P2P como la próxima frontera de las finanzas y la aplicación de finanzas distribuidas definitiva.

& nbsp;

Información técnica

The Sikoba Network is designed to be a high-performance blockchain application that is ready for mass adoption. It will support millions of users without needing any knowledge of cryptocurrencies.

The Sikoba Network will be accessible via the sikobaPay mobile app, a web interface, and APIs. The network itself will consist of gateways to filter and pre-validate requests and transactions, passive nodes that respond to queries, and consensus nodes that process transactions and ensure a consistent state. Later on, depending on transaction volume, we may also add clearing nodes to the mix.

Sikoba Backend

The back-end has three components:

* a Server to handle user requests
* a Transaction Processor to manage and execute submitted transactions
* a Services component to execute periodic actions and perform clearing

All of these components are written in the Crystal programming language using the Lucky web framework. We use PostgreSQL to store data and Redis to store queued transactions. The entire system is built with and runs in Docker.

Sikoba Frontend

The Sikoba front-end consists of the sikobaPay mobile app, available for both Android and iOS (currently in beta) and a web interface (currently under development).

The mobile app is written in React Native, while the web interface is written in React JS. Both communicate with the backend via a RESTful API.

Blockchain Layer

We are currently working on building our blockchain layer using Babble, a very simple to use Distributed Consensus Middleware. We had already tested an earlier version of Babble in mid-2018 and have looked at two other blockchain middlewares in the meantime (including Fantom Lachesis) but finally decided on Babble because it is the simplest.

Users will not communicate directly with the blockchain nodes but will connect with gateways whose role will be to pre-filter messages. This will help protect the network against spam attacks and open up the possibility of having both passive nodes (responding to read-only queries), consensus nodes (processing transactions that potentially modify state), and clearing nodes (to perform ongoing optimisation of IOUs).

Cryptography and Biometrics

For signing transactions, we use the same elliptic curve cryptography as Bitcoin, Ethereum and many other blockchains, i.e. the curve Secp256k1. For the hashing function, we use both Sha256 and Argon2, depending on the use case. Our approach focuses on usability, meaning that users do not necessarily need to know about private key management and practical account recovery methods must be available.

Every user will have an associated Sikoba account number, for example:
These account numbers are linked to the account's master key.

As to other technologies, we have started to work on integrating a facial recognition feature using OpenCV and open-source deep learning / neural network software.

Sikoba Roadmap

  • July 2016

  • Sikoba Ltd Created
  • December 2016

  • Alex Kampa publishes "Money, Credit Conversion and the legacy of Mitchell-Innes"
  • July 2017

  • Green Paper Published
  • March 2019

  • Sikoba App Demo
  • Lee mas
  • March 2020

  • SikobaPay MVP Release, beta testing starts
  • August-September 2020

  • Post-MVP Fundraising
  • 4 Q 2020

  • IEO and Token Listing
  • 4 Q 2020

  • Sikoba Mainnet Launch


16 439
Crecimiento de 30 días:

Sikoba Equipo

Verificado 83%

Atención. Existe el riesgo de que los miembros no verificados no sean realmente miembros del equipo

Aleksander Kampa
Guillaume Drevon
Lisa Tan
Finance & Accounting
Katsiaryna Lupachova
SikobaPay Product Manager
Dragan Postolovski
IT Development
Margareta Reshetar


Verificado 0%

Atención. Existe el riesgo de que los miembros no verificados no sean realmente miembros del equipo

Victor Yampolsky
Senior Advisor
Francesca Lo Re
Senior Advisor

Sikoba Entrevistas

Aleksander Kampa
As a team member, сan you tell us about your role in the ICO project?
I’m Alex Kampa, the founder of Sikoba. My background is in economics, mathematics and statistics. I’ve worked in finance and IT for much of my life, but I also did research in monetary theory. So when I encountered blockchain in late 2014, I thought that I could combine my ideas about money with this new technology. That is how the Sikoba project was born.
What do you think about idea?
Sikoba is the result of my life-long interest in monetary theory.
We see a future where money will once again be diverse, with many different issuers, with a variety of credit relationships, where people will take an active interest in the type of money they wish to use.
Guillaume Drevon
As a team member, сan you tell us about your role in the ICO project?
I am CTO of Sikoba, responsible for the technical design of the system, the technological road-map and R&D.
I make sure our product stays simple to use and that the implementation follows our original philosophy, despite the various features we are adding.
What do you think about idea?
Sikoba is a great concept that provides a distributed implementation of the true nature of money. As such it can handle many use cases related to business interactions.
Katsiaryna Lupachova
As a team member, сan you tell us about your role in the ICO project?
Hi! I’m Katsiaryna (Kate) Lupachova. I’m an ex-bank employee with 14 years of experience. In 2018 I’ve switched my career to IT industry. As a product manager of sikobaPay app I’m responsible for the development process, specification of the app’s functional requirements, and general coordination of product development.
What do you think about idea?
Sikoba is a great project with huge potential! It will help millions of people in developing countries to have an access to financial resources and to use them more efficiently, thus making a world a better place!
Dragan Postolovski
As a team member, сan you tell us about your role in the ICO project?
I am the lead developer of the Sikoba platform.
I'm doing both front- and back-end development, and I've been working on the project for over a year now.
My work includes everything from requirement specification to technical implementation of software.
What do you think about idea?
I believe that the project has huge potential. The target market is definitely underserved, and as such our solution can be highly beneficial, both for investors and the users alike.
Margareta Reshetar
As a team member, сan you tell us about your role in the ICO project?
Hi! I’m Margareta Resetar. As a marketing manager of Sikoba, I’m in charge of developing and executing strategies to spread awareness about Sikoba. Our goal is to help communities in developing countries to reduce dependency on the banking system and boost their local economies.
What do you think about idea?
I believe that sikobaPay app will help small and micro-businesses in developing countries to use informal credit more efficiently, thus provide a boost to their business opportunities.

Sikoba Últimas noticias

  • Debido a que puede haber diferencias de tiempo en las actualizaciones de información, la información precisa sobre cada proyecto ICO debe verificarse a través de su sitio web oficial u otros canales de comunicación.
  • Esta información no es una sugerencia o consejo para invertir en fondos de la OIC. Por favor, investigue a fondo la información relevante y decida la participación de la OIC.
  • Si cree que hay problemas o correcciones a corregir en este contenido, o si desea enviar su propio proyecto ICO para que aparezca en la lista, por favor envíenos un correo electrónico.
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