INLOCK

INLOCK

Created using Figma
Created using Figma

Last Update

2018/10/14

INLOCK CRYPTO - UNLOCK CASH - Access the purchasing power of your cryptocurrencies without selling them. INLOCK is a lending platform that enables cryptocurrency holders to manage short-term liquidity problems by taking a loan, using their existing cryptocurrencies as collateral. The credit transactions are established between the two parties directly. INLOCK merely acts as intermediary to record the terms of the agreement. These terms are established in a smart contract, making every credit contract between parties immutable and impossible to manipulate. Inlock (ILK) is an ethereum-based token that will be used when creating a lending contract.
Public Sale
2018/09/15
2018/12/12
100% completed
$13 475 000
3.2 K
キャップ
ゴール
89% ゴール completed
ゴール 15 000 000 USD
キャップ 27 500 000 USD
past
  • 1 ILK
    =
    0.01 USD
Token Details
Total supply
4 400 000 000
Token Distribution
100 ILK = $1

Public Sale - 44%
Private sale - 31%
Founders and Team - 10%
Advisors - 10%
Reserved for Marketing - 5%
Accepted Currencies
ETH, BTC, LTC, BCH
Min Contribution
100
USD
Company Details
Registered Company Name
INCOME LOCKER OÜ.
Registered Country
Estonia
Company Founded
Mar 11, 2018
Bonus Structure
Round 1 - 17%
Round 2 - 12%
Round 3 - 9%
Round 4 - 2%
Additional Details
MVP/Prototype
Yes
Platform
Ethereum
Whitelist
Yes , from Aug 1, 2018 till Oct 12, 2018
KYC
Yes
Restricted Countries
China
Categories
プラットフォーム, ビジネスサービス

約 INLOCK

One service in particular which is a driving force of every economy is lending. The increasing number of cryptocurrency owners do not only see cryptocurrencies as a way to achieve short-term gains, but as a long term investment, a vision. However, the wealth stored in cryptocurrencies is not liquid; it can onlybe leveraged with a high levelofrisk and associated costs. Cryptocurrencies sold in orderto finance a temporary liquidity problem can often be bought back at a significant loss. Due to these risks and in the absence of a better option these assets remain stored in cryptowallets and rarelyused.

Our goal is to connect people who already own cryptocurrencies, but have been unable to eectively utilize them, to those who want to benefit from the profit generated by cryptocurrencies, while avoiding the high risk that often characterizes crypto markets. Over the past year we have received numerous requests from both camps, and we are pleased to announce that we will soon release a platform that provides mutually beneficial solutions forboth parties.

INLOCK is a lending platform which enables cryptocurrency holders to manage short term liquidity problems by taking out a loan, using their existing cryptocurrencies as collateral. Lenders wishing to oera loan can do so - with the appropriate permits - risk-free to those in need. Due to the fact that collateral can be exchanged into FIAT currency immediately, the risks involved forthe lenderparty are almost identicalto a bank deposit while earning higher interest rates. Credit transactions are established between the two parties directly, while our service as an intermediary ensures that the parameters of the agreement are formally recorded. Each of these terms is included in a smart contract, ensuring that every credit contract between the parties is irrefutableand impossible to manipulate.

Borrowers are able to set theirown conditions inoursystem interms ofamount and duration according to their needs. In addition, the level ofrisk taking for exchange rate fluctuations is customizable. The process is fast and seamless and there is no need for additional credit assessment, since the borrower provides the collateral, oering rapid and flexible convertibility. Our platform enables institutions to enter new markets which have been out of their reach, or else additional costs have prevented them from entering the market as lenders. The lending process requires a similar level of AML/KYC adherence similar to traditional lending.

特徴

HOLD IT

Inlock helps users both retain their crypto and access its purchasing power by taking out near instant fiat loans with crypto collateral. These digital assets sold to finance a temporary liquidity problem can often only be bought back at a significant loss.

CRED IT

Borrowers and Lenders can fully customize loans with flexible interest rates and variable terms regarding loan duration and the amount deposited. No credit score check required, since all loans are 100%+ collateralized by crypto assets. Collateral managers actively monitor the current value of the collateral to provide full security for the lender.

PROF IT

After successful loan repayment, borrowers can still recognize the the profit on their cryptocurrencies if exchange rates rise during the contract period. Excluding interest payments, INLOCK platform users pay every cost in ILK tokens. Thus, the ILK token plays an integral part of the INLOCK ecosystem. ILK tokens can be purchased directly from the platform or during the multi-phase token sale.

 

INLOCK Roadmap

  • Q4/2018 (Technology)

  • ➠ Coverage resupply option
    ➠ Portfolio contracts: store a combination of cryptocurrencies within one contract to mitigate short term price fluctuations). Portfolio contracts could contain 'stable coins' to further mitigate the risks of contract termination in case of margin call.
    ➠ Multilingual support for: Japanese, Chinese, South Korean
  • Q4/2018 (Business)

  • ➠ Open head-office for INLOCK business development for the LATAM region in order to provide seamless service.
    ➠ Strategic partnership with LATAM based microlending providers. Obtain legal license for LATAM region.
    ➠Get necessary certificates for INLOCK platform to act as regulatory accepted Third Party Payment provider(PSD2-TPP) in the European Region.
    ➠ Strategic partnership with biggest screen scraping service providers to extend our payment management.
    ➠ Design the legal framework of cryptocurrency backed p2p lending in cooperation with authorities in order to extend the functionality of INLOCK, as it was designed to be able to operate as p2p platform, as soon as the regulatory environment allows it.
    ➠ Build up a complete PSD2 infrastructure to access all European banking services to be used as payment provider service
  • Q1/2019 (Technology)

  • ➠ Mobile app development for IOS and Android in order to provide our users access to their balance and contract management options from their mobile devices, including lending with full functionality.
    ➠ Adding new functionalities for portfolio contract termination options: drop order, smart drop order.
    ➠ Implementing the layer-2 payments channels (ex.: lightning network) rental service.
  • Q1/2019 (Business)

  • ➠ Open head-office for INLOCK business development forthe USA + Canada region in order to provide seamless service.
    ➠ Strategic partnership with US and EU based microlending providers to provide access to the INLOCK platform thus increasing the user bases for both ventures.
    ➠ To establish Strategic partnership with most popular stable coin solution providers to integrate these solutions within the INLOCK platform.
    ➠ To design the business processes in order to allow customers (both lenders and borrowers) to establish API connections to the INLOCK platform.
  • 続きを読む
  • Q3/2019 (Technology)

  • ➠ Adding the exchange module which allows users to near-instant swap between cryptocurrencies
    ➠ Introducing the fee market: essentially the fee market allows potential borrowers to increase the motivation of finding a lending partner for their contract proposition sooner.
    ➠ Adding the next pool of cryptocurrencies: IOTA+ 2 additional based on customer demand.
    ➠ Advanced contract details to provide credit rating for lenders to help evaluate loan requests. (contract termination likelihood and historical performance of the Borrower).
    ➠ API release for automatic contract offer creation for lenders.
    ➠ Multilingual support for: Spanish, Russian, German.
  • Q3/2019 (Business)

  • ➠ Open head-office for INLOCK business development for the Asian region in order to provide seamless service.
    ➠ Strategic partnership with Asian based microlending providers. Obtain legal license for Asian region.
    ➠ Get necessary certificates for INLOCK platform to act as regulatory accepted Third Party Payment provider (PSD2-TPP) in European region.
    ➠ Strategic partnership with biggest screen scraping service providers to extend our payment management.
    ➠ Design the legal framework of cryptocurrency backed p2p lending in cooperation with authorities in order to extend the functionality of INLOCK, as it was designed to be able to operate as p2p platform, as soon as the regulatory environment allows it.
    ➠ Build up a complete PSD2 infrastructure to access all European banking services to be used as payment provider service.
  • Q4/2019 (Technology)

  • ➠ Introducing credit swap; a second level market where the lender community will be able to exchange running contracts.
    ➠ Prediction AI to predict the termination overhead dynamically to assist platform users in selecting potentially safe margin call points
    ➠ Adding the next pool of cryptocurrencies: ZCASH+ 2 additional based on customer demand.
    ➠ Multilingual support for additional languages.
  • Q4/2019 (Business)

  • ➠ Obtain the necessary licenses for INLOCK to be able to collect FIAT deposits as a form of savings account for users.
    ➠ Strategic partnership with biggest - non cryptocurrency, collateral based - peer-to-peer lending platforms.
  • Q1/2020 Layer 2 Rental Service

  • Adding the lightning network module: in practice this means that if the user has any free assets available within the balance the
    user will be earning passive income constantly
    Implementing atomic swap functionality.

アクティビティ

アクティビティ:
56
LOW
投稿:
1 201
VERY HIGH
ビュー:
90 057
VERY HIGH
Activity:
56
LOW
Merit:
50
LOW
Posts:
1 201
VERY HIGH
Views:
90 493
VERY HIGH
Users:
64
LOW
投稿:
688
VERY HIGH
フォロワー:
7 140
HIGH
好き:
7 032
HIGH
評価:
5
VERY HIGH
フォロワー:
5 416
HIGH
ツイート:
1 274
VERY HIGH
30 Days Growth:
-329
メンバー:
33 895
VERY HIGH
Investors Detected:
9.48%
30 Days Growth:
-843
アレクサ

ランク:
1 248 228
VERY LOW
デルタ:
409 198
Year commits:
93
Watchers:
2
Stars:
2
Forks:
0
Open issues:
0

Materials

Participation in events

チーム

検証済み 100%

Co-founder / CEO.
検証済み
Co-founder / CMO
検証済み
CSO
検証済み
COO
検証済み
Strategist
検証済み
UX & Frontend expert
検証済み
Enterprise Business Architect
検証済み
Head of external communications
検証済み
Audit & Compliance
検証済み
Smart Contract Developer
検証済み
Blockchain Token Specialist
検証済み
Blockchain Software Architect
検証済み

顧問

検証済み 100%

5 ICOs

$21 354 018

Business Advisor
検証済み
Monetary Theory Expert
検証済み

2 ICOs

$13 475 000

Token Advisor
検証済み
Token Architect
検証済み

5 ICOs

$13 810 395

Media Advisor
検証済み
Media advisor
検証済み
Legal Advisor
検証済み

元メンバー

Balazs Vegvari
Blockchain partnerships strategist

INLOCK Interviews

Mate Tokay
As a team member, сan you tell us about your role in the ICO project?
I have advised a handful of ICO projects already, my expertise are:

Strategic planning
PR and marketing campaigns
Community building
Business advisory
etc
What do you think about idea?
Crypto backed loans are very much needed and i am 100% sure that it will be a really popular service.
Csaba Csabai
As a team member, сan you tell us about your role in the ICO project? What do you think about idea?
I'm the founder and general manager (CEO) of the INLOCK project. My daily tasks to manage the ICO preparation and facilitate the application development parallel.
Peter Gergő
As a team member, сan you tell us about your role in the ICO project? What do you think about idea?
I think what we do at Inlock, is a great solution to a real-life problem affecting the majority of cryptocurrency owners.
Benedict Bánáthy
As a team member, сan you tell us about your role in the ICO project? What do you think about idea?
INLOCK is a unique gateway between traditional finance and the emerging cryptofinancial sector. The immense pontentials of this new industry will remain hidden as long as we don't attract the already estabilished institutional players.
dr. György Cseh
As a team member, сan you tell us about your role in the ICO project? What do you think about idea?
Coming from the banking sector I have a deep understanding of how to produce a solution which satisfies the needs of many while being financially feasible.
Peter Tamas Turcsan
As a team member, сan you tell us about your role in the ICO project? What do you think about idea?
I'm the strategist of the team. I have 25+ years experience of journalism. More then 10 years in Startup scene.
Krisztián Dobó
As a team member, сan you tell us about your role in the ICO project? What do you think about idea?
I am responsible for the complete JAMstack development of the INLOCK project. Frontend development of the MVP demo, incorporating all the APIs provided by the backend, responsive site building tasks and other programming gimmicks.
Attila Kovács
As a team member, сan you tell us about your role in the ICO project? What do you think about idea?
I think its a well developed idea and nice execution.
Ananda Parrott
As a team member, сan you tell us about your role in the ICO project? What do you think about idea?
INLOCK provides a much needed solution to a very real problem.
Viktória Kazár
As a team member, сan you tell us about your role in the ICO project? What do you think about idea?
We at INLOCK are able to provide another utility to cryptocurrencies that enable long-term investors to utilize their digital assets while they keep on hodling.
Andor "iFA" Rajci
As a team member, сan you tell us about your role in the ICO project? What do you think about idea?
I think the market competition is what makes this project unique, it helps solutions to develop by themselves to be more and more effective continously. Therefore have coded the project required smart contract.
Peter Angyal
As a team member, сan you tell us about your role in the ICO project? What do you think about idea?
INLOCK provides a great solution to a gateway between the crypto and fiat world. Unfortunately when handling fiat some centralization is inevitable. I work hard to design the roles and processes in the platform to be as decentralized as possible.
Gabor Meiszterics
As a team member, сan you tell us about your role in the ICO project? What do you think about idea?
I think INLOCK is filling a market gap and able to solve various problems of crypto owners, especially HODLERS. As a software architect, I keep my eyes on our processes to ensure the best quality.
Zsolt Gilányi
As a team member, сan you tell us about your role in the ICO project? What do you think about idea?
I believe in market competition: it lets complex systems evolve naturally to be more efficient and fast.
David Sabo
As a team member, сan you tell us about your role in the ICO project? What do you think about idea?
I've been helping Inlock from the get go in structuring and designing both their token and their token sale.
Antal Károlyi
As a team member, сan you tell us about your role in the ICO project? What do you think about idea?
I advise INLOCK on mathematical aspects of the ILK ecosystem.

The project is run by an experienced and extremely dedicated management team.

The platform will cater a hugely underserved need, serving the cryptocurrency community as a whole.
Norbert Rádoki
As a team member, сan you tell us about your role in the ICO project? What do you think about idea?
Inlock solves a real problem in the cryptocurrency industry. I simply believe that this service will expand Bitcoin's ecosystem required for mass adoption.
Allen Scott
As a team member, сan you tell us about your role in the ICO project? What do you think about idea?
Straight and to the point. Get cash for bitcoin collateral that's returned after repayment. Useful for mining operators, risk-averse businesses and what, in my opinion, will become a best practice in this industry for years to come.
Mikk Maal
As a team member, сan you tell us about your role in the ICO project? What do you think about idea?
We need more projects like Inlock that are solving real problems.

Last News

4.76
positive
5.0 1
ICOプロファイル ビジョン アクティビティ 潜在的な 製品 チーム

INLOCK Reviews

Samson Owiti
Cryptotrader, Crypto investor, Blockchain business expert

INLOCK is a lending platform which enables cryptocurrency holders to manage short-term liquidity problems by taking out loans using their existing assets as collateral.

PROS:

  1. The platform through the use of ILK tokens  makes the lending process fast and seamless hence eliminating the need for additional credit checks  as the borrower provides collateral which offers rapid and flexible convertibility
  2. The platform is highly secure for the users with the associated risks involved with the lenders  are almost similar to a bank deposit  but with higher interest rates and profit potential
  3. The platform enables the borrowers to set their own  conditions such as the  amount and lock-in period based on their needs  and  are able to  customize the risk level for the exchange rate fluctuations making the platform flexible
  4. The platform operates with a strong cooperation with the regulators  in each region creating  a transparent and fair environment for the users
  5. The platform involves  Peer-to-Peer (P2P) transactions  that take place between the users directly  without any intermediary making the platform use affordable
  6. The platform  team involved in the project is adequate  with a credible know-how on the use of cryptocurrency and  have the necessary experience for the project implementation
  7. The platform whitepaper is elaborate  with a key application of the ILK tokens to enable easy access to loans through the use of cryptocurrency

CONS:

  1. The platform amount raised by the ILK tokens during its pre-sale is not highlighted in the whitepaper
  2. The platform whitepaper is unavailable in other languages leading to a restricted use of the ILT tokens across several areas

SUGGESTIONS:

  1. The platform should involve internationally qualified translators to help in creating the whitepaper in other languages for adequate use of the ILT tokens across the globe
  2. The platform amount raised during the pre-sale of the ILT tokens should be highlighted in the whitepaper to enable the users  to easily determine the suitability of the tokens

NOTE:

The platform use creates a conducive peer-to-peer lending environment enabling the users to obtain easy financial assistance through the use of cryptocurrency making the project viable. I would therefore invest in it.

続きを読む
Jeremy Khoo
Group CEO | Blockchain Entrepreneur | VeChain ICO Partner | Fund Partner | Exchange Founder |

Solid team and a strong product riding on the blockchain. This may be important for use and solve a big liquidity issue today. Will follow this closely.

続きを読む
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