Platform Bonum – Provides ease of credit in crypto, tokens and fiat money

Introduction

Digital asset ownership has become a commonplace lately. people in the world have become cryptocurrency as a promising investment. but this digital investment opportunity becomes very vulnerable because there is no guarantee that a digital asset will survive the expected price.

this vacuum is deeply feared by digital investors around the world, to overcome these problems investors need additional funds that are useful as a temporary grip when a crisis occurs. then investors need an emergency loan. thus ensuring that investment remains smooth.

The Bonum platform will provide the opportunity to take out loans in cryptocurrencies, tokens and fiat money against blockchain assets, as well make cryptocurrency and token deposits.

These are basic, fundamental, and therefore popular financial services that are not widely available in cryptoeconomy at the moment, but the demand for which will grow at the fastest pace.

Crypto asset market is already quite large, it’s still growing, and it can grow more: tens, hundreds, and even thousands of times. The volume of financial transactions, namely loans and deposits in blockchain-based assets, will grow accordingly.

Contents:

1. Crypto loans
2. Crypto contributions
3. Benefits
4. Platform token (BFT)
5. Market volume and platform economics
6. ICO parameters
7. Road map

Crypto Loans

The loan is available in the crypto currency, tokens and currency;
Loan is not targeted – you spend the borrowed funds on your own;
Loans in fiat money are provided through partners worldwide licensed;
The standard interest rate on the loan is expected to be 27% per annum (APR) with a monthly payment. Presumably, the bonus rate on the loan (for holders of the platform token) will be 12-18% per annum (APR) with a monthly payment;
The loan is provided on the security of a crypto currency or crypto-active, and the collateral is the only collateral for the loan. It is possible to form a pledge on a portfolio principle: part of the pledge in one crypto active, part in another. The pledge nomenclature will increase as the relevant assets migrate to the blockhouse;
The amount of the loan depends only on the amount of the mortgage: the greater the amount that is pledged by the borrower, the more the loan amount available to it.
The pledge remains in the borrower’s property (in the borrower’s platform purse), and in the event of a timely loan repayment, the borrower automatically receives the entire amount of the collateral back.

Crypto contributions

The contribution is possible in crypto-assets (crypto-currencies and tokens).
The deposit is secured by a pledge and a special reserve fund, which can be formed by the platform according to the results of the ICO. Bonum does everything to minimize the risks of depositors;
The standard interest rate on the loan is expected to be 3% per annum with a monthly payment of% (APY – 3.04%);
For bonus holders of BFT tokens, a bonus rate on the deposit will be available, which will be higher than the standard one. Presumably, the bonus rate for the deposit (for platform platform tokens) in the crypto currency or tokens will be 4-6% per annum with a monthly payment of% (APY from 4.07 to 6.17%);
The client can form the amount of the contribution on a portfolio principle: a part in one crypto-active, a part in another.

Benefits

We specialize in deposit-credit services and we are not scattered on other financial services, which allows us to provide them in the best possible quality, quickly and in full;
We provide deposit and credit services in full: loans and deposits are available, in several currencies (loans also in denominated currency);
Our interest rates on loans and deposits are competitive in the market.
Contribution and loan are not related to each other as business processes (counter offer is not required). The loan is issued from the platform
Long-term experience in providing mass individual financial services in a tough competitive environment in a fiat economy
Use of mathematical and statistical methods for solving problems of estimation and forecasting

Platform token (BFT)

In terms of its characteristics it is a yutility-token, at the moment we are waiting for a conclusion from the regulator of Gibraltar that it is recognized as a toital-token;
It will be implemented according to the ERC-20 standard in the public blockbuster Ethereum;
Will give its holders the opportunity to receive a bonus rate for a certain amount of the funds invested or borrowed. The more clients the token freezes on the platform, the greater the amount of the loan or deposit to which the bonus rate operates. That is, BFT has a real economic content.

Market volume and platform economics

We estimate our potential market, based on the data of the phiatic economy, in 0.1% of the capitalization of the Crypto-currency. In other words, with the current capitalization of crypto-active assets at 200 billion USD, our potential market (Total available market) will be about 200 million USD.
Relatively unfilled market, coupled with the above advantages allow us to count on 20-30% of the market. Thus, the real service market (Serviceable Obtainable Market) Bonum will be about 40 – 60 million USD. Our SOM will follow the dynamics of the capitalization of crypto assets, which will grow.
Already with a balanced portfolio of deposits of USD 20 million and loans of USD 20 million and declared interest rates, the annual revenues of the platform will be from 2.8 to 4.8 million USD (depending on the number of holders of tokens that will receive a bonus rate), which reserve covers the planned operating costs of the operating platform.

ICO parameters

Pre-Sale
· Implemented by entry in the White List
· A fixed bonus of 25% on the purchased security key

Pre-ICO (public stage)
· Pre-ICO Q1 2018
· The price of the token is 1 USD = 1 BFT
· There is a bonus program in the form of bonuses for purchased tokens with reference to time and volume of purchase of BFT
Hard cap Pre-ICO is 750 thousand USD

ICO
Open sale of the bulk of platform tokens.
• The price of the token will be 1 USD for 1 BFT.
• There is a bonus program in the form of bonuses for purchased tokens with time-bound and purchase volume BFT

All issued tokens in the amount of 75 million BFT will be distributed in the following directions:
1. 2% bounty campaign
2. 20% company reserve
3. 15% team (there is a freeze for a year)
4. 10% external consultants
5. 53% of the tokens will be realized during the ICO, which is conducted in two stages.
Tokens not sold during the ICO will be destroyed.

Road map
Q4.2016 – Brainstorming
Q1.2017 – Hiring
Q2.2017 – Platform architecture development
Q3.2017 – WP and start of the platform development
Q4 2017 – Start of the private presale, smart-contract ICO
Q1 2018 – Launch of the beta version of the platform, issuing the first loan, conducting ICO
Q2 2018 – Integration of our own blockchain
Q3 2018 – Security and performance testing, involving third-party auditors
Q4 2018 – Partner integration through an open API
2019 – Diversification, decentralisation and expansion of platform functionality, development of our own marketplace, active geographic expansion.

Bonum Team