比特币P2P借贷平台CredibleFriends成功众筹10万美元
日前，比特币P2P借贷平台CredibleFriends在BnkToTheFuture平台上成功融资10万美元，项目总融资目标位25万美元。这款产品允许用户通过向亲友借贷（比特币）并获得相应利息收入。目前融得的这10万美元可以保证项目在7月15日可以顺利完成前期资金落实。
人人都能提供贷款
该公司负责人Doty表示：”有了Uber之后，人人都能’开出租’。而有了CredibleFriends，人人就能’做贷款机构’了。”现有的借贷平台运营模式复杂，根本无法保证人们日常小额消费的临时借贷需求。比如说你去加油站加油，但是发现兜里一时没有零钱，你肯定不会打开手机到Lending Club上申请一笔贷款，因为他们的贷款审批要好几天，而且这些平台也不提供信用卡服务。
而通过CredibleFriends，人们就可以实现个人与个人之间的迅速借贷，而我们的平台本身并不会发放贷款。
CredibleFriends的目的就是通过简化操作流程，让越来越多的人都使用到虚拟货币，并成功向他们的朋友或值得信任的人提供贷款。
CredibleFriends平台运作机制
要想通过这个app向亲友提供比特币贷款，首先要用社交媒体账号或邮箱开通一个平台账号。贷款人可以扫描CredibleFriends提供的二维码或者利用自己的比特币地址，将比特币存入CredibleFriends账号中。
接下来，平台还会将用户的社交媒体关系充分利用起来，或者向更多的”朋友”发起邀请。用户可以创建一个联系人名单，而这些人都是他认为值得信赖并且可以接待的人。用户不仅建立起了自己的比特币基金，还可以邀请他的朋友一同使用比特币。
这些朋友可以免费使用这些比特币。借款的平均年利率为25%。借款利息和收费中有6成归贷款人所有。借款人需要按月支付借款利息。
平台会每月对用户账户进行结算。如果借款人不能及时还款，就要被收取相应费用。比如除了每月必须要支付的利息外，还要支付借款总额1%的费用作为惩罚。具体的数额因借款总额不同而有所差异。
贷款偿付完毕后，贷款人可以继续进行下一个贷款项目投资。贷款人可以在任何时候实现比特币提现，而借款人可以利用关联的Visa卡进行支付。
CredibleFriends, a P2P lending app that lets people lend bitcoin to friends, has raised $100,006 of its $250,000 fundraising goal on BnkToTheFuture, surpassing the $100,000 needed by July 15 to ensure the funds pledged will be deposited. The app allows users to extend credit to friends and earn interest in the process.
Anyone Can Extend Credit“Uber lets anyone play taxi. We let anyone play credit card company,” said Doty. Existing lending platforms are very complex and not usable for day-to-day spending, he noted. “If you’re at a gas station and you’re short on cash, you don’t grab your phone and open up the Lending Club app. Their loans take seven days and they don’t have an app or a credit card.”
The app allows people to use their own money to lend to others. CredibleFriends does not lend people money.
The mission of CredibleFriends is to get virtual currency into everyone’s pocket, Doty said, by making it easy for people to extend credit to those they know and trust.
How It Works
To use the app to lend bitcoin to friends, the first step is to create an account using a social media or email account. The lender scans the CredibleFriends QR code or uses their bitcoin address to deposit bitcoin into their CredibleFriends account.
Next, they connect their social media accounts or invite friends to email them. The lender creates a contact list of trusted people they wish to lend money to. The user establishes bitcoin funds for their friends to access and invites them to use the bitcoin.
The friends are then free to spend the bitcoin. Borrowers are charged 25% APR interest using the average daily balance method. Sixty percent of the interest and fees goes to the lender. The borrower is charged the interest monthly.
Minimum balances are due monthly. Borrowers who don’t pay on time are charged fees. The minimum monthly payments pay interest for the last statement, plus 1% of principal. Actual repayment times vary depending on the borrower.
The lender recovers their loan when the borrower repays it in full. The lender can withdraw the available bitcoin balance at any time. The borrower can use an associated Visa card, the video noted.
人人都能提供贷款
该公司负责人Doty表示：”有了Uber之后，人人都能’开出租’。而有了CredibleFriends，人人就能’做贷款机构’了。”现有的借贷平台运营模式复杂，根本无法保证人们日常小额消费的临时借贷需求。比如说你去加油站加油，但是发现兜里一时没有零钱，你肯定不会打开手机到Lending Club上申请一笔贷款，因为他们的贷款审批要好几天，而且这些平台也不提供信用卡服务。
而通过CredibleFriends，人们就可以实现个人与个人之间的迅速借贷，而我们的平台本身并不会发放贷款。
CredibleFriends的目的就是通过简化操作流程，让越来越多的人都使用到虚拟货币，并成功向他们的朋友或值得信任的人提供贷款。
CredibleFriends平台运作机制
要想通过这个app向亲友提供比特币贷款，首先要用社交媒体账号或邮箱开通一个平台账号。贷款人可以扫描CredibleFriends提供的二维码或者利用自己的比特币地址，将比特币存入CredibleFriends账号中。
接下来，平台还会将用户的社交媒体关系充分利用起来，或者向更多的”朋友”发起邀请。用户可以创建一个联系人名单，而这些人都是他认为值得信赖并且可以接待的人。用户不仅建立起了自己的比特币基金，还可以邀请他的朋友一同使用比特币。
这些朋友可以免费使用这些比特币。借款的平均年利率为25%。借款利息和收费中有6成归贷款人所有。借款人需要按月支付借款利息。
平台会每月对用户账户进行结算。如果借款人不能及时还款，就要被收取相应费用。比如除了每月必须要支付的利息外，还要支付借款总额1%的费用作为惩罚。具体的数额因借款总额不同而有所差异。
贷款偿付完毕后，贷款人可以继续进行下一个贷款项目投资。贷款人可以在任何时候实现比特币提现，而借款人可以利用关联的Visa卡进行支付。
CredibleFriends, a P2P lending app that lets people lend bitcoin to friends, has raised $100,006 of its $250,000 fundraising goal on BnkToTheFuture, surpassing the $100,000 needed by July 15 to ensure the funds pledged will be deposited. The app allows users to extend credit to friends and earn interest in the process.
Anyone Can Extend Credit“Uber lets anyone play taxi. We let anyone play credit card company,” said Doty. Existing lending platforms are very complex and not usable for day-to-day spending, he noted. “If you’re at a gas station and you’re short on cash, you don’t grab your phone and open up the Lending Club app. Their loans take seven days and they don’t have an app or a credit card.”
The app allows people to use their own money to lend to others. CredibleFriends does not lend people money.
The mission of CredibleFriends is to get virtual currency into everyone’s pocket, Doty said, by making it easy for people to extend credit to those they know and trust.
How It Works
To use the app to lend bitcoin to friends, the first step is to create an account using a social media or email account. The lender scans the CredibleFriends QR code or uses their bitcoin address to deposit bitcoin into their CredibleFriends account.
Next, they connect their social media accounts or invite friends to email them. The lender creates a contact list of trusted people they wish to lend money to. The user establishes bitcoin funds for their friends to access and invites them to use the bitcoin.
The friends are then free to spend the bitcoin. Borrowers are charged 25% APR interest using the average daily balance method. Sixty percent of the interest and fees goes to the lender. The borrower is charged the interest monthly.
Minimum balances are due monthly. Borrowers who don’t pay on time are charged fees. The minimum monthly payments pay interest for the last statement, plus 1% of principal. Actual repayment times vary depending on the borrower.
The lender recovers their loan when the borrower repays it in full. The lender can withdraw the available bitcoin balance at any time. The borrower can use an associated Visa card, the video noted.
（责任编辑：赵然 HZ002）
