Envestio platformos veikla

Diskusijos apie tarpusavio skolinimo platformas.
rimvydukas
Pradedantis Mustachian
Pranešimai:61
Užsiregistravo:Pir Geg 06, 2019 5:03 pm
Re: Envestio platformos veikla

Standartinė rimvydukas » Pen Sau 24, 2020 11:22 am

honestFIRE rašė:
Pen Sau 24, 2020 10:53 am
Po fakto visada lengviausia komentuoti. :)
Tas taip, bet nėra tas žmogus toks jau durnas ir tikrai žino daugiau, negu mes visi. Bet va po Kuetzal užsilenkimo tarsi pabudo iš miego ir dabar yra ypatingai aktyvus.

Nors dėl Envestio, tai manau dar būtų jie pagyvenę, jei ne tas Kuetzal. Visi puolė grynintis, tai matyt pamanė, kad su fake projektais ir išleistais pinigais ilgai nepratemps ir susivystė greitai.

Po Envestio istorijos man dar įdomiau pasidarė - ko reikia, kad pagaliau pelną nuostoliais būtų galima pradėti mažinti? Kodėl iki šiol tokio reikalo vis dar nėra?

Vartotojo avataras
honestFIRE
Pažengęs Mustachian
Pranešimai:376
Užsiregistravo:Ant Kov 05, 2019 9:30 am
Išsiųsta patiktukų: 47
Gavo patiktukų: 16

Standartinė honestFIRE » Pen Sau 24, 2020 11:43 am

rimvydukas rašė:
Pen Sau 24, 2020 11:22 am
honestFIRE rašė:
Pen Sau 24, 2020 10:53 am
Po fakto visada lengviausia komentuoti. :)
Tas taip, bet nėra tas žmogus toks jau durnas ir tikrai žino daugiau, negu mes visi. Bet va po Kuetzal užsilenkimo tarsi pabudo iš miego ir dabar yra ypatingai aktyvus.

Nors dėl Envestio, tai manau dar būtų jie pagyvenę, jei ne tas Kuetzal. Visi puolė grynintis, tai matyt pamanė, kad su fake projektais ir išleistais pinigais ilgai nepratemps ir susivystė greitai.

Po Envestio istorijos man dar įdomiau pasidarė - ko reikia, kad pagaliau pelną nuostoliais būtų galima pradėti mažinti? Kodėl iki šiol tokio reikalo vis dar nėra?
Yra planai dėl investicinės sąskaitos, nežinau ar P2P bus galima investuoti ja naudojantis.
:arrow: REVOLUT PASKOLA INVESTICIJOMS BONDORA. (ATNAUJINTA 10.15)

Bondora 688%, FinBee 18%%, FinBee.cz 0%, Omaraha, 12.9%, EvoEstate 11.41%, Reinvest24 13.2%

GKA
Mustachian
Pranešimai:284
Užsiregistravo:Ket Vas 28, 2019 7:41 am
Išsiųsta patiktukų: 49
Gavo patiktukų: 22

Standartinė GKA » Sek Sau 26, 2020 8:30 am

honestFIRE rašė:
Pen Sau 24, 2020 11:43 am

Yra planai dėl investicinės sąskaitos, nežinau ar P2P bus galima investuoti ja naudojantis.
Kažkodėl manau, kad yra bent 90% tikimibė, kad P2P nebus įtraukta prie investicinių sąskaitų.

Vartotojo avataras
T. J.
Pradedantis Mustachian
Pranešimai:112
Užsiregistravo:Pir Geg 20, 2019 7:11 pm
Išsiųsta patiktukų: 14
Gavo patiktukų: 12

Standartinė T. J. » Sek Sau 26, 2020 9:05 am

GKA rašė:
Sek Sau 26, 2020 8:30 am
honestFIRE rašė:
Pen Sau 24, 2020 11:43 am

Yra planai dėl investicinės sąskaitos, nežinau ar P2P bus galima investuoti ja naudojantis.
Kažkodėl manau, kad yra bent 90% tikimibė, kad P2P nebus įtraukta prie investicinių sąskaitų.
Aš tai manau, kad pradžioje ir neturėtų P2P būti įtraukti į tas sąskaitas, kadangi dauguma nemoka vertinti rizikos ir grąžos santykio - mato tik grąžą. Ir šiaip su P2P dar per mažai istorinių duomenų, kad būtų galima adekvačiai vertinti šį įrankį.

Vartotojo avataras
FI-Tech
Naujokas
Pranešimai:20
Užsiregistravo:Ket Sau 09, 2020 11:38 am
Gavo patiktukų: 7

Standartinė FI-Tech » Tre Sau 29, 2020 3:25 pm

Crowdestor bando nuraminti investuotojus:
Dear investors,



Recent fraudulent and dishonourable activities carried out by several crowdfunding platforms has been a big shock for all involved in this industry, has caused huge losses to more than 15 000 investors and has seriously damaged the reputation and trust of crowdfunding in general.

We are receiving hundreds and hundreds of emails with questions:

Is CROWDESTOR financially stable? Is CROWDESTOR going to face “Bank-run”?
Is CROWDESTOR running business in a legitimate way? Can you prove that you are not “Ponzi”?
Are your Borrowers real companies or empty shells with no real operations?
Can you become more transparent?
Can I with withdraw funds before Loan term?



We have been trying to answer individually to each question by all means of communication to our furthest extent, but in case if some of you haven’t received an answer yet, we hope this statement will help.

We want to inform our investors with the following.



About financial stability of CROWDESTOR

CROWDESTOR has never offered “Buy-Back with a penalty at any time”, “Crowdestor Care with Buy-Back” or other weird, but well know combinations of words. We haven’t offered this as CROWDESTOR wouldn’t have funds to cover such claims in full amount in a legally correct way even if 10% of investors would ask for early exit. CROWDESTOR earns 3-5% from raised funds, which is a market typical average. The money earned is then spent on the payroll, administrative, marketing costs, IT costs and further development. So it is simply to do the maths. CROWDESTOR, as a platform, in essence, is a mediator between investors and borrowers, a marketplace.

So we are not experiencing increased/uncontrollable out-flow of capital and we are not going to face the so-called “Bank-run”.



Is CROWDESTOR legit?

CROWDESTOR is not offering the Ponzi-type early exit by paying out investors funds which are raised from new investors.

Investors funds are held in a dedicated bank account, separate from CROWDESTOR operative funds. Since first day of operations CROWDESTOR bank account is opened in the LHV Bank, a reputable bank founded in 1999 with half-billion EUR assets on its balance sheet. We have AML procedures in place and are cooperating with a bank on any questions they ask on our operations.

CROWDESTOR transfers money to Borrowers, the Borrowers are real existing companies, funds are used for the Loan purpose. For each deal CROWDESTOR performs due diligence.

Investors see “real funds” in their investors account not virtual funds as it has been the case in other platforms noticed by a large number of investors in last 2 weeks.

We are eagerly waiting and ready to support development of ECSP regulation in EU level (European Crowdfunding Service Providers), which would decrease potential fraudulent and dishonest activities in crowdfunding industry. Our aim is to be amongst the first ones to receive it.

We are also ready to initiate an establishment of Association which would join members who share same goals.



What are we going to do next?

We understand that today, when an enormously huge number of people have been cheated and the whole industry is damaged, these seem just words from us. But we will take great pains and do real actions to regain the reputation and trust in us and industry in general.

Currently we are working on a detailed action/development plan how CROWDESTOR in Year 2020 becomes more transparent, more open to investors, improves process standardization, becomes more automated etc. We will present action plan by end of February, beginning of March 2020. The plan will include topics regarding:

Transparency. We plan to disclose as much information as possible in following areas:

Borrowers. More financial information, info on management, contacts, registration documents. All possible information to extent not disclosing confidential information on borrowers.
Partners. We plan to show you with that partners do we work on due diligence, legal, banks, KYC and all other possible partners.
Team. To make our team more public - shareholders and management will be show on our website, with detailed CVs, experience and links to LinkedIn.
Decision making. Creating and presenting an understandable and transparent procedure on how we make our due diligence and finally a decision on what project to put next.

Technology.

How we will automate due diligence. We see great potential in maximally automating the decision making of borrowers risk assessment.
How we will implement united risk assessment/scoring.

Growth

We have our growth plan and on how we see CROWDESTOR in future. Plans consider expansion, process standardization, strengthening the team, following and aligning to regulation.

Investors meeting

We are going to organize webinars with our investors to answer their questions. More information will follow.
We plan to organize twice per year Investors-Borrowers meetings in cities across Europe giving an opportunity for investors to meet Borrowers and CROWDESTOR in real life, socializing, getting more information about them and CROWDESTOR. More information will follow.



Early exit option

As mentioned previously, CROWDESTOR does not provide Early exit option.

However, during last 2 weeks we receive numerous emails with questions if it is possible to exit.

In the light of recent shocking news, we understand and respect this. We have agreed with several investors who would consider to buy-out a part of other investors loan with a discount in projects which we have funded.

This will not be a buy-out made by CROWDESTOR. This will be a buy-out from other investor/investors, so it will not make any burden or profit to CROWDESTOR books.

In couple of days we will establish a procedure how to submit an application for an Early exit and we will follow up with more explanation.



Last but not least

We invite prospective honourable investors to be vigilant and diligent before committing their financial resources to any platform and please pay attention to any small details – is the management presented in webpage, who are the real decision makers, what is the background of owners and management, do they had real, proved business before, do you know who are the beneficial owners of platform, where is the legal and factual address of platform, where does the platform has bank account, did it had interruption in sending out the money, etc, etc.



29.01.2019

Best regards
Janis Timma
Founder & CEO of CROWDESTOR
FI-TECH Kol kas tik dar vienas FIRE blogas

Vartotojo avataras
honestFIRE
Pažengęs Mustachian
Pranešimai:376
Užsiregistravo:Ant Kov 05, 2019 9:30 am
Išsiųsta patiktukų: 47
Gavo patiktukų: 16

Standartinė honestFIRE » Ket Sau 30, 2020 8:39 am

FI-Tech rašė:
Tre Sau 29, 2020 3:25 pm
Crowdestor bando nuraminti investuotojus:
Dear investors,



Recent fraudulent and dishonourable activities carried out by several crowdfunding platforms has been a big shock for all involved in this industry, has caused huge losses to more than 15 000 investors and has seriously damaged the reputation and trust of crowdfunding in general.

We are receiving hundreds and hundreds of emails with questions:

Is CROWDESTOR financially stable? Is CROWDESTOR going to face “Bank-run”?
Is CROWDESTOR running business in a legitimate way? Can you prove that you are not “Ponzi”?
Are your Borrowers real companies or empty shells with no real operations?
Can you become more transparent?
Can I with withdraw funds before Loan term?



We have been trying to answer individually to each question by all means of communication to our furthest extent, but in case if some of you haven’t received an answer yet, we hope this statement will help.

We want to inform our investors with the following.



About financial stability of CROWDESTOR

CROWDESTOR has never offered “Buy-Back with a penalty at any time”, “Crowdestor Care with Buy-Back” or other weird, but well know combinations of words. We haven’t offered this as CROWDESTOR wouldn’t have funds to cover such claims in full amount in a legally correct way even if 10% of investors would ask for early exit. CROWDESTOR earns 3-5% from raised funds, which is a market typical average. The money earned is then spent on the payroll, administrative, marketing costs, IT costs and further development. So it is simply to do the maths. CROWDESTOR, as a platform, in essence, is a mediator between investors and borrowers, a marketplace.

So we are not experiencing increased/uncontrollable out-flow of capital and we are not going to face the so-called “Bank-run”.



Is CROWDESTOR legit?

CROWDESTOR is not offering the Ponzi-type early exit by paying out investors funds which are raised from new investors.

Investors funds are held in a dedicated bank account, separate from CROWDESTOR operative funds. Since first day of operations CROWDESTOR bank account is opened in the LHV Bank, a reputable bank founded in 1999 with half-billion EUR assets on its balance sheet. We have AML procedures in place and are cooperating with a bank on any questions they ask on our operations.

CROWDESTOR transfers money to Borrowers, the Borrowers are real existing companies, funds are used for the Loan purpose. For each deal CROWDESTOR performs due diligence.

Investors see “real funds” in their investors account not virtual funds as it has been the case in other platforms noticed by a large number of investors in last 2 weeks.

We are eagerly waiting and ready to support development of ECSP regulation in EU level (European Crowdfunding Service Providers), which would decrease potential fraudulent and dishonest activities in crowdfunding industry. Our aim is to be amongst the first ones to receive it.

We are also ready to initiate an establishment of Association which would join members who share same goals.



What are we going to do next?

We understand that today, when an enormously huge number of people have been cheated and the whole industry is damaged, these seem just words from us. But we will take great pains and do real actions to regain the reputation and trust in us and industry in general.

Currently we are working on a detailed action/development plan how CROWDESTOR in Year 2020 becomes more transparent, more open to investors, improves process standardization, becomes more automated etc. We will present action plan by end of February, beginning of March 2020. The plan will include topics regarding:

Transparency. We plan to disclose as much information as possible in following areas:

Borrowers. More financial information, info on management, contacts, registration documents. All possible information to extent not disclosing confidential information on borrowers.
Partners. We plan to show you with that partners do we work on due diligence, legal, banks, KYC and all other possible partners.
Team. To make our team more public - shareholders and management will be show on our website, with detailed CVs, experience and links to LinkedIn.
Decision making. Creating and presenting an understandable and transparent procedure on how we make our due diligence and finally a decision on what project to put next.

Technology.

How we will automate due diligence. We see great potential in maximally automating the decision making of borrowers risk assessment.
How we will implement united risk assessment/scoring.

Growth

We have our growth plan and on how we see CROWDESTOR in future. Plans consider expansion, process standardization, strengthening the team, following and aligning to regulation.

Investors meeting

We are going to organize webinars with our investors to answer their questions. More information will follow.
We plan to organize twice per year Investors-Borrowers meetings in cities across Europe giving an opportunity for investors to meet Borrowers and CROWDESTOR in real life, socializing, getting more information about them and CROWDESTOR. More information will follow.



Early exit option

As mentioned previously, CROWDESTOR does not provide Early exit option.

However, during last 2 weeks we receive numerous emails with questions if it is possible to exit.

In the light of recent shocking news, we understand and respect this. We have agreed with several investors who would consider to buy-out a part of other investors loan with a discount in projects which we have funded.

This will not be a buy-out made by CROWDESTOR. This will be a buy-out from other investor/investors, so it will not make any burden or profit to CROWDESTOR books.

In couple of days we will establish a procedure how to submit an application for an Early exit and we will follow up with more explanation.



Last but not least

We invite prospective honourable investors to be vigilant and diligent before committing their financial resources to any platform and please pay attention to any small details – is the management presented in webpage, who are the real decision makers, what is the background of owners and management, do they had real, proved business before, do you know who are the beneficial owners of platform, where is the legal and factual address of platform, where does the platform has bank account, did it had interruption in sending out the money, etc, etc.



29.01.2019

Best regards
Janis Timma
Founder & CEO of CROWDESTOR
Šiaip įdomus jų verslo modelis, kai nuo paskolos uždirba 3-5% su ±20% metinėm palūkanom, kai visa rinka siūlo ±12%. Teoriškai iš savo mokesčių galėtų gauti dvigubai daugiau siūlydami ir 15% metines.
:arrow: REVOLUT PASKOLA INVESTICIJOMS BONDORA. (ATNAUJINTA 10.15)

Bondora 688%, FinBee 18%%, FinBee.cz 0%, Omaraha, 12.9%, EvoEstate 11.41%, Reinvest24 13.2%

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