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Rare ICO where real company with existing product in vast market sell its tokens which you can convert into company's equity and become a shareholder, not a digital token holder. Wish Finance's tokens value will grow as company's value will grow after the ICO and business scaling into new markets.
$500k
Loans already issued in 2017 with $120k revenue

WHITEPAPER
OVERVIEW
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Redefining
Business
Loans
Major Pain Points

Underfinanced market
Inability of small entrepreneurs to get funds vital for their businesses from regular lenders fast and on fair terms

Industrial opacity
Unclear and shady structure of lending business resulting in major fraud scandals like Lending Club’s in 2016

Huge rates up to 50%
High risks of loans to SMEs due to low payment discipline and financial literacy, as result interest rates up to 50% p.a.
Unique Business Solution

Big data + AI + Blockchain
Unique combination of technologies, first in class intelligent scoring machine dedicated to SME, automated lean loan processing and blockchain-level transparency

Painless repayments
As Wish Finance is connecting to POS acquiring used by the borrower SME, repayments are made automatically by deducting a small 3-5% fee from every POS transaction

Low risk SME lending
Already by controlling repayments Wish Finance shows lowest risk on the market, to make risk even lower we are insuring each loan from default, while maintaining high profitability
Great investment opportunity

Zero Default Lending Pilot
Wish Finance earned 24% per annum on $500000 portfolio in 112 loans pilot project with NO defaults in 2017, thanks to our team and technologies

Right Time Investment
Best opportunity to invest and become a token owner at the ICO where company's valuation is still low, Wish Finance shows profitability at the level of established hedge funds

High Valuation Growth Potential
Based on our calculations company valuation may increase two-threefold in next 12-18 months and the project can become a Unicorn in 10 years
WHITEPAPER
BUSINESS OVERVIEW
ONE PAGER
Best hybrid model

Advanced technologies

PYTHON

AMAZON AWS

ETHEREUM

APPLE XCODE

POSTGRESQL

TENDERMINT
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PILOT LENDING
11-28% p.a.
Reasonable and affordable interest rate
112Loans
Issued in Singapore between 2016-2017 as pilot
$120kRevenue
Earned on pilot lending in 2017, 24% pa at average
$600Billion
Estimated the consumer and SME loan market will grow from $600 billion to $3 trillion
The first equity ICO:
tokens can be converted to company’s equity
Meet the first ever ICO of financial service company where tokens isn't just a digital asset but could be converted into real assets

Watch Wish Finance explainer video
Wish Finance innovations

Real data scoring

We use real financial transactions data to scrore each of our SME borrowers to lower our business risks and provide fair interests rate.
Fast lending

In Wish Finance most of operations are automated, this way of business helps us to issue loans as fast as 24 hours maximum.
Insured loans

Each issued loan is insured from borrower's bankruptcy so our investors are happy, we are happy, borrowers are happy.
Cashless economy

We lend only to merchants who accept cashless payments, so each issued loan makes our world easier and more effective.
Globally scalable

Wish Finance has business model shich could be scaled into cashless economies like South Korea, Denmark, Sweden or Canada.
Made for SME

Our product is created to serve most vulnerable and financially underserved types of businesses - small and medium companies.
Transparent portfolio

We are revolutionising online lending world by opening our lending portfolio for governments, partners and blockchain community over the world.
Social impact

SMEs are the basis of every country's economy. They are creating most of jobs and paying a lot of taxes. Wish Finance is supporting them.
Disruptive ICO

Core idea of Initial Coin Offering of Wish Finance is not just selling the digital tokens, but selling tokens which could be converted to company's shares.
Cryptographic audit
CRYPTO
GRAPHIC
AUDIT
One of the modern practises today is the Cryptographic Audit, is a set of monitoring tools that allows any member of the public to easily validate - in case of Wish Finance - loans history, portfolio balances and performance. We are building our CA tools to maintain high security standards for money flow in blockchain projects. Here is how we’re going to achieve our transparency goals:
Portfolio reporting
Wish Finance will store in blockchain whole portfolio and its performance anonymised from any personal borrowers data. Our transparency policy will help the borrowers, funds, current and potential investors in many ways including predictability and accountability of their investments.
Proof of reserves
We will give preference to using exchanges that have Proof of Solvency (PoS) implemented; cold storage reserves can be audited, as in TaaS, Poloniex and Kraken.
Chief blockchain officer
Wish Finance plans to have a new C-level position in the world of finances - Chief Blockchain Officer - who will be responsible for auditing and reporting our own use of blockchain technologies and push forward general financial technologies to clear and effective future.
Regular blockchain snapshots
To have proof that nobody mismanaged data between audits, a special smart contract will be developed to hold permanent daily snapshots of audit data. The contract will be supplied with a convenient contract explorer.
First alternative lender with direct access to POS payments
Wish Finance will store in blockchain whole portfolio and its performance anonymised from any personal borrowers data. Our transparency policy will help the borrowers, funds, current and potential investors in many ways including predictability and accountability of their investments.
First lender with transparent portfolio performance on blockchain
We will give preference to using exchanges that have Proof of Solvency (PoS) implemented; cold storage reserves can be audited, as in TaaS, Poloniex and Kraken.
Fully assured loans
To have proof that nobody mismanaged data between audits, a special smart contract will be developed to hold permanent daily snapshots of audit data. The contract will be supplied with a convenient contract explorer.
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ROADMAP
February2016
ASEAN markets research
April2016
Concept development
July2016
Company set up in Singapore
September2016
Minimum Viable Product (MVP) ready
October2016
Server software, scoring and API layer ready
February2017
Pilot SME lending success with 0% default rate
July2017
Whitepaper publication
October2017
Initial coin offering
Late2017
Connection to POS in Singapore and Hong Kong
Early2017
First loans issued in Singapore
Early2018
First loans issued in Hong Kong
Late2019
South Korea, Benelux, Scandinavia
ICO details

ICO DETAILS
TOKEN NAME:
WISH token (WSH)
What does this token represent?
WISH tokens executed by an Ethereum could be at any time converted to equity of Wish Finance company. One token could be converted to one share.

ICO PRE-SALE:
15 October 2017

ICO:
27 October 2017 - 30 November 2017

Payout
structure
A smart contract lets token owners convert WISH tokens to company shares in correlation 1 to 1. Conversion could be made at any time at the initiative of token owner after strong KYC. Converted tokens intuitively will have its share of company profits as dividends.

TOTAL SUPPLY:
10 000 000 tokens
PRICE PER TOKEN:
US$1
Tokens not sold during the ICO will be burnt. Wish Finance will never trade or own its own tokens.

Early 2018
$1 000 000
Start lending in Singapore
Early 2018
$2 000 000
Start lending in Hong Kong
Late 2018
$3 000 000
Start lending in South Korea
Early 2019
$4 000 000
Start lending in Benelux (Belgium, the Netherlands and Luxembourg)
Late 2019
$5 000 000
Start lending in Scandinavia (Denmark, Norway and Sweden)
Early 2020
$8 000 000
Creation of the WishBank, bank for the SMEs
Early 2020
$10 000 000
Creation of the Wish Reliance, insurance for SMEs
TEAM

Eugene
Green CHIEF EXECUTIVE OFFICER

Michael
Elgort CHIEF COMPLIANCE OFFICER

Ruslan
Gavinov CHIEF TECHNOLOGY OFFICER
Advisors

Alexander
Rugaev CHIEF BLOCKCHAIN OFFICER
PRESS

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