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Andrey Tuchkov

About SOFIN platform

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International fiat platform for P2P loans based on blockchain

About SOFIN platform

P2P-lending is a financial instrument with great development potential today. According to the study by the PricewaterhouseCoopers, in the next 5 years, eight out of ten banks expect to create strategic partnerships with P2P services and digital money transfer platforms. The Foundation Capital predicts that the volume of the world market of P2P-lending will reach $ 1 trillion by the year 2025. This promises great prospects for the development of entrepreneurship, in particular, for small and medium-sized businesses.

The Russian experience of P2P-crediting is much less than the global one. Moreover, it is overburdened by stories with high-interest microcredits, which, in turn, are caused by a high risk of default of the loan. Now the situation is changing: in the fourth quarter of 2016, 10 crowdfunding sites on a voluntary basis provided the CBR with data on the volume of transactions amounting to 338.4 million roubles. By the first quarter of 2017, the total volume of the P2P-lending industry has approached 2 billion rubles according to the estimates of the Bank of Russia.

Many people confuse between the p2p lending system and IFC and MFI. In those cases the company acts as a lender and it’s dictating their conditions, which are unprofitable for the borrower. To obtain credit in a bank, it is necessary to collect a huge number of documents. Your credit can be also refused because of the lack of a credit rating.

SOFIN is the international P2P-platform which acts as an intermediator between the borrower and the lender, providing legal registration of the transaction, confirming the information about the participants. The most important thing in the finance is confidence and guarantees. We, acting as a company, have approached this issue thoroughly, in order to maximally fulfill these two conditions. The contracts are drawn up according to the legislation of the borrower's country, but the parties choose dates, terms, amounts, currencies - independently.

Having many years of experience in the financial sector, we have carefully approached the procedure for verifying the participants of the transaction, thereby increasing the level of confidence both to the platform itself and to the participants in the transaction (well, you won’t entrust your money to the first counterpart, will you?). The platform implemented a rating system, which is affected by:

— uploaded documents and data;

— voice check (yes, over the years of work, we have learned to screen out insolvent candidates);

— credit rating and job confirmation.

The purpose of SOFIN is to provide the most reliable and transparent data about the borrowers. We provide lenders with reliable borrowers. Financial access is possible for everyone anywhere in the world — it’s very important.

If you need more information follow telegram group https://t.me/sofin

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