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The project’s mission to facilitate microfinance to the unbanked is a noble and ambitious undertaking. In today’s world, too much attention goes to the financial needs of the wealthy and financial independent, the ones that have the money and facilities to create more. By offering low cost loans to ambitious entrepreneurs in poor and/or underdeveloped regions gives these entrepreneurs the opportunity to not only lift themselves out of poverty, but also many more by creating jobs and opportunities for those who are in the same predicament of poverty and unemployment. Because of this equitable proposition, a well deserved 5 stars for vision.



The product still needs to be developed and tested, such as the ratio between credit payback and loan defaults (which will be inevitable giving the circumstances of weak capitalisation of new entrepreneurial projects in underdeveloped regions), however this has been accounted for and a large part of the raised funds, a solid 64% will be kept as “backup” for the lending pool. This sizeable reserve gives the entire project a strong backbone and solid foundation to grow and expand, hence 5 stars for product.



The team appears to be knowledgeable and experienced, however it’s rather “thin” for such a large undertaking. There are 7 team members, 4 advisors and 5 branch offices across the Far East and one in Estonia. Either each team member is wearing several “hats”, undertaking multiple tasks at any given time or the offices are just representative, either way there’s not enough management to run several offices, each in different countries (except for 2 offices in South Korea). For this reason, 4 stars for the team.



Wishing the AssetStream team and advisors great success and a successful ICO.

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