wishfinance

Catch the ICO wave

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

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

Best hybrid model


Advanced technologies

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pilot lending

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

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.

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