Stoqman is a New platform that entered the Diamond list on EN. In my opinion some investors may already have seen it because it already has a name on market. Based on public info they have been active for already more than 2 months, which is a already a good sign for investors who are seeking for stable platforms.
*the hyip market now is flooded with fast scam platforms trying to steal as much deposits as possible, without paying investors back and to run away.. (pre crypto-bull-cycle phase activity). Thus, we can see that more and more investors are realizing this and are looking for platforms with lower risks, but with more stable factors in their investment plans.
Let’s go further to check what Stoqman claims of itself and business they involved:
Key Indicators
STOQMAN is an international team of financial technology experts. The company develops and implements the most state-of-the-art technologies to bring the microfinance market to the new level corresponding all international standards.
More than 5 years on the market. Lending activities in 6 countries of Europe and Asia. Starting 2021 we are entering the online lending market in 3 more European countries.Reliability
High reliability rating ruАА +, trust of institutional investors and high portfolio liquidity.
Diversification
A wide range of products and funding sources as well as business in several countries minimize currency, regulatory and other risks.
Security
All investments are protected by a trust agreement.
Stable growth
STOQMAN projects are leaders in their regions. Own IT infrastructure, R&D and Data Science centers are competitive advantages that provide business scalability, flexibility and speed of decision-making, and increase the quality of the portfolio.
Working only with verified borrowers guarantees a refund in 97% of cases. We take on the remaining 3% of the risks.
Microloan exchange
Each borrower who applies with an application to the websites crebox.kz, crebox.ru, pl.crebox.eu, es.crebox.eu, cz.crebox.eugoes through a multi-stage verification system. Including solvency is assessed using AI, using data from the Bureau of Credit Histories over the past 5 years.
Further, the algorithm estimates the probability of a borrower’s default with an accuracy of 97%, minimizing the risk of losing funds to the minimum.
After passing all the stages of verification, the loan application goes to the exchange, where you have the opportunity without risk and with a guarantee of income to lend funds to a verified borrower.
In case of non-return of funds by the borrower, the case is transferred to the department for work with problem loans, and the debt to the investor is covered by the exchange at the expense of its own guarantee fund.
Important! Investments are made in any of the available payment systems. The investor receives the debt repayment and income in the currency of the investment. The borrower receives funds in the required currency. At the same time, the conversion is carried out within the system at the expense of the borrower.
Small business investment
A lot of investors, both large and small, are ready to invest for a period from 3 days to 12 months, but they are not ready to go to the bank because of the minimum interest rate. For all investors the most important investment parameter is a guarantee of a return on funds with an anticipated income, which should be significantly higher than the rates on bank deposits.
On the other side there are entrepreneurs and companies with a good credit history who need a quick loan without delay for a period of 2 weeks to 3 months. This market segment is not interesting for the banks but it is interesting for us and our investors.
To access our platform borrowers go through the approval procedure, however, due to the absence of a typical banking bureaucracy and a high degree of automation of business processes, this takes no more than 2 days. Practice shows that no more than 15% of incoming applications on average receive approval. This guarantees a return of funds to investors and allows us to reduce the risk burden on our company to almost zero.
Loan applications from companies are accepted on the credihouse.rusite.
This platform offers 3 different groups of investment plans for you and other investors. Let’s take a look:
Microloans – 0.9%-1.5% every 24 hours for 4-21 days (min. deposit $12, Profit – up to 31.5%) Deposit Back at the end of the term.
Small Business – 0.8%-1.1% every 24 hours for 12-24 days (min. deposit $50, Profit – up to 26.4%) Deposit Back by Equal installments every 6 days.
Company development – 1.1%-1.9% every 48-72 hours for 30-180 days (min. deposit $500, Profit – up to 342%) Deposit Back at the end of the term.
As you can see these plans have a difference in accrual period as well as the way of returning back your initial deposit. There are few more details we will have to take into account when reviewing them. At the same time such plans are designed to be attractive as much as possible for both camps of investors (adventurous and conservative).
More information with calculations will be provided in the Part 1 of Review. As always, you will be informed, if any news or updates come from Stoqman platform. Please Stand by…
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