Cash Loans

For CryptoBridging The Gap Between Traditional & Blockchain Finance

COMPANY OVERVIEW

Lendo

LENDO IS A BLOCKCHAIN-BASED PLATFORM

It enables regulated lenders to provide loans secured by crypto

assets as collateral that are stored in Lendo’s high security Crypto

Vault.

Lendo will expand the personal loans market whilst also offering

members of the Lendo community network a range of additional

services, such as a crypto wallet, a credit card and a crypto trading

exchange, leading to a complete cryptobanking ecosystem.

Lendo has ‘first mover’ advantage in the emerging sector that links

the crypto world with mainstream financial services. It provides loan

companies with the technology and expertise needed to capitalise

on the many advantages of lending against cryptocurrency as

secured collateral.

It will enable conventional lenders to build a new client base of

crypto asset owners, not just in the UK, but also internationally and

empower them to confidently move forward into the digital future.

01

To open up new markets for regulated

lenders and make it safer and speedier to

provide loans for cars, home

refurbishments, personal loans and credit

card debt using blockchain technology.

EXPAND

To provide loan companies with the

technology and expertise needed to

capitalise on the many advantages of

lending against cryptocurrency as

secure collateral.

EDUCATE

To enable lenders globally to attract a

new swathe of borrowers who hold

crypto assets and help grow their

businesses into the digital future.

EVOLVE

Lendo’s mission is to connect conventional banking services and cryptocurrency

owners through the Lendo card, the secure vault and smart wallet system. Lendo

makes several types of blockchain assets, such as crypto currencies and tokens,

spendable in real time when using the Lendo credit card.

A blockchain platform that enables regulated

lenders to provide loans secured against crypto

assets – anywhere in the world!

Our Mission 02

Our Mission Our Vision

CASH LOANSFOR CRYPTO

LOANS

Access instant cash loans from

approved lenders using

cryptocurrency collateral

CRYPTO WALLET

Hold fiat and cryptocurrency in

ultra-secure state of the art

desktop/mobile wallet

DEBIT CARDS

Spend digital currencies

anywhere in real-time with

traditional debit cards

MERCHANT SYSTEM & EXCHANGE

Multi-asset trading platform

complete with institutional grade

trading features

Lendo 03

Lendo solves multiple problems for owners of crypto-currency, for lenders in

the personal loans market, and for borrowers

No Credit Checks:

Speed & Efficiency

Crypto-currency assets (despite being

potentially very valuable) are not normally

accepted as collateral.

Credit checks take time, and often involve

high application fees to cover the lender's

costs.

Ease&Speed

of Foreclosure

Reduced Risks:

Reduced CostsBorderless Lenders

& Expanded Markets

Greater

Security

For Crypto-currency Owners:

For Regulated Lenders:

SECURITY TAX EFFICIENCY

For Borrowers:

OUR SOLUTIONS

Lendo 04

Loan companies using Lendo will

have ‘first mover advantage’ and be

able to gain extra market share by

attracting new borrowers with crypto

assets.

.

Lendo has signed an agreement with several well-established

and fully licensed UK lending companies. These lenders

specialise in personal loans, consumer credit and car finance

which total a 198-billion-pound market in the UK.

Our UK Lending Partners:

CASH LOANSFOR CRYPTO

Lendo: Features 05

LENDO KEY FEATURES

Lenders will be able to accept

Bitcoin, Ethereum and Litecoin

as collateral as well as Lendo

tokens.

Lenders can provide fiat loans

at up to 60% LTV against the

crypto collateral.

Lending decisions will be made

easier as they are based on

quickly realisable asset value

rather than conventional credit

scoring.

Lenders can repossess crypto

assets quickly and easily in the

event of loan default through

automated smart contract systems.

Lenders can now have a global

reach as the crypto assets are

held in Lendo’s international

escrow/exchange system.

All lenders are regulated by the FCA (Financial Conduct Authority) who

control and strictly regulate the entire UK financial services industry,

including everything from banking, mortgages, insurance and

consumer loans to the wealth management and securities market.

The LendoVault

At the heart of the Lendo solution is the

vault. A detailed explanation of how the

vault ensures total security is contained

in the technical white paper

Lendo Freesthe Personal Loans

Market

Using the Lendo platform, crypto owners know their

assets are safe; regulated lenders can make secured

loans instantly and across borders. Borrowers can

remain invested in their crypto and avoid tax liability

Loans Made Throughthe Lendo Platform are from

Regulated Lenders

All our lenders are subject to regulation so

borrowers have confidence and lenders

have access to the money markets,

meaning unlimited potential capacity

LENDO SOLUTIONS

Lendo 06

Lendo: Loans 07

MARKET SIZE AND OPPORTUNITY

Many crypto currency owners are looking to buy goods, trade or sell their digital

assets. However, there is also a large percentage of the global market (currently

averaging around $300 billion market cap) who want to hold on to those digital

assets for the long term.

$300 BILLION MARKET CAP* (Correct at time of publication)

But, if those crypto borrowers want a loan, they are unable to use their cryptocurrency

assets as collateral. Lendo changes that and makes it possible for regulated conventional

lenders to provide cash loans against that collateral.

What is more, Lendo opens up the whole world to conventional loan companies. Normally,

a loan company can’t make loans outside the legal jurisdiction it operates in, because it is

impossible to control defaults on the loan. Lendo’s blockchain technology and smart

contracts changes all that as all crypto assets are held in an international secure vault.

THE OPPORTUNITY AND MARKET SIZE IS VAST AND TRULY GLOBAL

Unique Features

Military grade security,

regulated Lenders

Adoption Rate

Personal loan credit is one of the fastest

growing and resilient market sectors in the

global economy

First to Market

Lendo is one of the first companies to

enter this market and has a clear first

mover advantage

Unique Pricing Model

Lendo's unique ability to ensure that loans

are 100% secured without credit checks or

potential recovery costs reduces costs to

both lender and borrower alike

Proprietary Technology

The Lendo vault system is unique and

designed to be 100% safe. Assets are

mainly held in cold storage

Exclusive Partnership

Lendo has secured exclusive agreements

with regulated U.K.lenders to meet the

demand for crypto backed loans

Competitive Advantages 08

COMPETITIVE ADVANTAGES

DAVID HONEYMAN

CEO

For full details see

whitepaper

GUIDO GRANELLO

COO

PAUL LOWIN

Business Dev. Director

JUN HAO ONG

Community Director

KEN TACHIBANA

Executive Advisor

MEET THE TEAM

Meet the Team 09

MARK SNOWDON

Marketing Director

Vault Fees

Lendo will charge vault fees (in ELT)

and credit/debit fees from all its users.

Lendo will charge a small loan

arrangement fee to borrowers.

Exchange Platform

Lendo will makes a margin on

exchange platform trades.

Lendo Network

A global network of lenders will

pay a monthly subscription fee to

Lendo

Lendo is powered by proprietary

blockchain software.

Loan revenue

Lendo will receive a percentage of

the loan interest that the lender

charges to the borrower.

Borrowers place their crypto in our

escrow vault as loan collateral.

The lender then lends fiat currency

at 1-2% per month interest. We

split the interest revenue 50/50

with the lender

BUSINESS MODEL & REVENUE STREAMS

Business Model 10

Lendo: Yearly Revenue Projections

A full budget and cash flow is available upon request

(subject to investor qualifications and NDA)

FINANCIAL PROJECTIONS

Financials 11

€ 4,465,414

€ 19,495,574

€ 83,433,274

Year 1

Revenues

Year 3

RevenuesYear 2

Revenues

NEXO

A lending platform solving some of the

problems Lendo solves

Salt is restricted to the U.S. and has

limited access to lending capital

Lendo, by contrast, has unlimited

opportunity geographically, and

unlimited scalability

A lending platform solving some of

the problems Lendo solves

Limited access to lending capital as

this is a ‘peer to peer’ network

Lendo, by contrast, has

unlimited scalability

A regulated lending platform solving

some of the problems Lendo solves

Limited to a single lender

Lendo, by contrast, has unlimited

scalability and wider consumer

choice of lender

Competition 12

COMPETITIVE LANDSCAPE

OUR EMAIL

ceo@lendo.io

OUR PHONE

+44 208 144 3868

OUR WEBSITE

www.lendo.io

Thank you 13

CONTACT INFO