Who needs RAD Lending?

> Miners, small crypto businesses
> Post-ICO companies
> Exchanges, traders
> Traditional fiat investors

We aim to build a platform where all of these companies and individuals can connect safely.
Did you recognize yourself or your company? Read more about us and get Whitelisted today on radlending.com!

https://i.imgur.com/MXqWvLDl.png

Register to our second Roadshow Event in Budapest and discuss Blockchain technology challenges with our CTO and Architect, Mikhail Nikulin. See you there!

You can find the Facebook event here for more informations.

https://i.imgur.com/79vLMcBl.png

Thanks for the entry and the message! We appreciate it, also, you guys seem to have a well-designed site there! Keep it up, and let us know if you have any further questions.

Hello everyone! Just a quick note to the investors that are whitelisting on our platform - please use your legal name in registration. Otherwise, you will be failing on the ID verification stage. Our verification tools need to match your selfie, your ID and the information you provided about yourself to perform verification. 
Good luck and stay tuned!

Since this is a US compliant ICO, I can safely assume your tokens will be utility based right?

The credit cards part is what has piqued my attention. It seems like every project I've seen talking about them never actually come out with them. As a layman, can you explain why everyone seems to have such a difficulty with what seems like a simple thing to me?

It looks like you are confusing two concepts - utility token and a security token. Utility token has some, well, utility. It is something that you should be able to use on the platform once it is built. By definition, it can not be an investment and cannot promise future profits, any resale value, or increase in price. It can only promise you that you will be able to use it once/if the platform for that token is ready.
The problem is that so many ICO's loosely use the term "utility token" for their tokens and advertise them as an actual investment, which is untrue and illegal.

A security token is an investment vehicle. It comes with an additional burden for the company - there are lots of restrictions how you can advertise, market and issue security tokens. You also need to ID verify and do full KYC on all your investors. The pros of this approach is that you can actually distribute profits, and do other things that are expected from an investment. Also, investors are legally protected - so no "over and outs", or pump and dump are possible with regulated security tokens.

Our RAD Token is a security token. We have done a lot to make it right from the beginning, and hope that investors will appreciate the added protection of a legal token.

Has your team been to any blockchain conferences?

Our major advantages are:
1) Transparent token economy and structure. Since we are security token from the very beginning, we do not need to play this wording games of "Do not talk about the fight club, just invest". We clearly state in our offering documents that we will share 100% of company profits among tokenholders and the clear motive for investing is to get a share of future profits.
2) We understand traditional financial products and know how to adapt them to the crypto market. We envision a series of credit products including a real credit card with a credit limit. This is something that nobody has done in crypto before. Our credit card with a grace period is brilliant and can be a lifesaver for the crypto investor.
3) We have plans (though not in the first development stage) to develop a decentralized cross-blockchain escrow that (if successful) will allow us to securely and with full decentralization tokenize crypto assets on any blockchain and put them on Ethereum network to securely manage crypto collaterals. This is really groundbreaking (but very challenging).

When it is not a security - you are pretty much out of the legal field. Basically, you can do almost whatever strikes your fancy with the funds. I know, there are a whole bunch of smart contract tools to avoid that, but considering that a huge amount of ICO proceeds are in bitcoin - it is more or less up the founding team what to do with your investment.
When a security, you can not do a lot of things (most of them are bad for investors anyway). Investors have a legal protection. On the downside - your advertising and marketing are limited too. For example, managing a bounty campaign would be a pain. Reaching out to McAffee and pay him for a twit would be a major headache too. So honestly, you can not do any dirty ICO marketing tricks (or let's say you will need to avoid the most effective ICO marketing tools).