wishfinance

Become a shareholder

Wish Finance has figured out how to solve one of the biggest problems for people that are involved in cryptocurrency - actually spending the currency. Join the ICO and become a shareholder of the real established lending business in Singapore.

112

Real SME’s loans already issued in 2017

Unique Business

Fair-play business

Wish Finance business model is designed to provide SMEs and especially merchants with short term funding they need to expand the business or use as a workflow capital in daily routine. We take maximum out of modern digital technologies to minimize risks of lending and making our contribution into cashless future.

Designed to serve SMEs

Only SMEs who are getting paid by cashless methods like bank cards, Apple Pay, Android Pay and other via POS terminals are able to get a loan from Wish Finance. We use real transactional data to understand how business is going and score our risks as a lender. It is fair for borrower, because borrower uses data he owns to get lower interest rate from us. It is fair for Wish Finance as we are managing our risks and building long term relationships with each borrower and it is fair for Funds who provide us with capital.

Protected lending

As additional support for borrower’s peace of mind part of our risk management strategy is insurance from borrower’s potential bankruptcy. Every loan is insured in full so borrower could focus on its business and even in worst scenario Wish Finance will have its money back.

Seamless repayments

With consent from the borrower we connect to acquirer who provided POS terminal to this SME with our APIs and deduct 2-5% of each payment borrower gets from its customers. Our loans repaid in seamless manner.

24/7 borrowers support

For most of merchants using a borrowed capital is a part of the business routine and in most cases they are unable to get a loan as fast as needed. As a result they a losing many opportunities to grow. Wish Finance is a not a bank, we don’t have to work with millions of individuals accounts and we don’t have dozens of financial products. Main product of Wish Finance is a business loan for SME and we built a lean business structure powered by modern IT to process hundreds of loan application in minutes and issue loans in 24 hours of less.

Best of both worlds


Built on technologies

Join ico

about

The first ICO ever:

tokens can be converted in company’s shares

Meet the first ever real ICO where tokens isn't just a digital asset but could be converted into real world assets

What is Wish Finance?

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.

Join ico

Roadmap

ICO details

Ico details

Token Name:

WISH

What does this token represent?

WISH tokens executed by an Ethereum could be at any time converted to stocks of Wish Finance company registered in Singapore. One token could be converted to one stock.

ICO Duration:

October 2nd 2017 - October 30th 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 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.

Team

Subscribe

wishfinance

— © 2016-2017 Wish Finance. All rights reserved. Country of incorporation: Singapore to the top