About AssetStream
AssetStream’s vision is to create a sustainable microfinance platform based on blockchain technology. Inspired by the “International Year of Microcredit”— dedicated by the U.N. back in 2005—and Muhammad Yunus, a Bangladeshi social entrepreneur who was awarded the Nobel Peace Prize jointly with the Grameen Bankin 2006 “for their effortsthrough microcredit to create economic and social development from below”. The AssetStream initiative was established to create a sustainable microfinance platform to enable growth and advocate poverty reduction of the unbanked population while providing an alternative, high-yield, peer-to-peer microfinance platform for everyone.
Peer to Peer lending brings the “bank” to your doorstep.
Whitepaper
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Ratings

Rated on May 8, 2019
Good solid team, far-reaching vision which can be adopted by more countries, a very sensible and tested product already operational in Thailand on a hybrid platform - all components are ensuring success of the same project on the blockchain. Hardcap should be reached by efficient marketing.

Rated on Jul 5, 2019
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.

Rated on Jul 9, 2019
Good projet, very stong team very stong team, I'm waiting a little more for the MVP. But I should keep and eye on this project, very great potential !. But I should keep and eye on this project, very great potential !

Rated on May 7, 2019
Modified on May 7, 2019
→ Blockchain Advantage - Very Good
→ White Paper - Good
→ Team Composition - Good
→ Tokenomics - Fair
→ Business Model - Very Good
→ Social Media Presence - Fair
→ Collaborations & partnerships - Good
→ Fund Allocation - Good
→ Legal Loopholes - Fair
→ MVP/ DApp/ Working Product - Fair
You can maximize the potential of this product by using the best marketing team for spreading your vision. Mass adoption is the key to success, everything else is preparatory to the work ahead. Best Wishes on your TGE.

Rated on Sep 11, 2019
Good project with great vision.
The fundraising was a success. Now they have to create adoption and meet the roadmap milestones. Team is correct but should be supported by more expert to secure the deployment.

Rated on May 27, 2019
Team is very experienced and good. Two of their members have passed the KYC so thats good news. Very good vision to provide financing to the unbanked population and to provide credit to individuals who have no access to traditional financial services.

Rated on May 25, 2019
Modified on May 25, 2019
The AssetStream initiative is an interesting project and deserves consideration.
The global unbanked population represents a huge area of need and is under-served. Providing a solution that works and meets the needs of this community can be rewarding.
AssetStream aims to do this cheaper, faster and safer. They want replace the
middle-man and provide a solution that reduces poverty and grows business.
Worthwhile and challenging goals.
Team:
The core team is good and has business experience. Their profiles can be found on LinkedIn. Not as much relevant experience with the particular microfinance products so will need to expand.
Strong but small team of advisors which is ok for this stage. Quality marketing and communications members.
Vision:
Vision is well defined in a crowded field of microfinance and P2P lending. Would like to see more feedback from community and target audience indicating a demand and awareness of AssetStream.
Questions remain. For personal loans if people are unbanked, how can they provide AssetStream 3 months bank statements?
Product:
Demonstration version of platform available. Team states it has reached agreement with a number of strategic partners.
Good activity at industry events as exhibitors and speakers in the target market. Challenges remain in security and debt collection.
The current team will need to expand as the hacks and thefts in blockchain grab media attention. Showing a strong security focus will be essential for investors.
There is a well written 42-page white paper available.
Using the Stellar platform makes sense being open-source and decentralized for
digital currency. Like the tokenomics.
Team has received a good amount of paid and earned media attention. Website is
professional and has all of the relevant information. No blog on site but has posted content on Medium. Press room could be added.
The social community is thin and needs work and commitment to grow.
Twitter - 1392 followers
Facebook - 2495 likes and 2493 follows
Telegram - 1241 members
YouTube - 107 subscribers
Medium 26 followers
No information available regarding the codebase and commits on GitHub.
Experts are independently and voluntarily contributing to the community. If no expert has rated the ICO, only ICO analyzer's results are used. Always research before investing as these ratings should not be taken as an investing guide of any kind.
Ratings and ICO analyzer results are being updated (re-calculated) every few hours.
Press Releases
Blog
Financial
Token info
Bonus
Presale | 25% |
1st Round | 21% |
2nd Round | 18% |
3rd Round | 15% |
4th Round | 12% |
5th Round | 9% |
6th Round | 6% |
7th Round | 3% |
Investment info
Milestones
Four co-founders founded the AssetStream project as a great potential solution for the low-income communities in developing countries who are struggling with the loan shark problem.
After fundamental researches a proof of concept had been created.
The proof of concept reached legal and technical viability.
During this period the AssetStream project evolved from a potential side project to a fully self-funded project, geared towards launching in 2019.
The recruitment team recruits professionals and specialist from Belgium, South Korea, Thailand, Singapore, Philippines and many more location around the world.
Start development process of the AssetStream platform prototype.
Selected Thailand as flagship region due to compliance of law, norm, customer behavior, market size.
Reached the demonstration version of platform infused with blockchain technology.
Approached potential partners with demonstration version of the platform.
Reached an agreement with the first strategic partners, Thailand PICO Finance Association (Consists with 1000+ money lending company).
Approached the public as the AssetStream Platform aiming towards offering an alternative finance solution to customers in developing countries.
Attended Hong Kong Fintech week 2018.
Attended as one of the premium exhibitors at Consensus 2018 Singapore.
Attended as one of speakers during ‘BlockChain Innovation Tour’ promoting the AssetStream platform in Malaysia, Philippines, Vietnam, Thailand, Singapore.
AssetStream Platform with its strategic partners (Finanigo, Pico Finance Association Thailand) held the press conference event in target market.
Determined the Launching date of the AssetStream Platform and AssetStream Token (AST) Token Distribution.
Start online advertising and public relation campaigns.
Launch AssetStream social channels including Youtube, Facebook Fanpage, Twitter, Instagram, Telegram Group, Wechat, Line Official.
Start development of AssetStream platform mobile version.
Contributing Money/BlockChain expos around the world to meet the potential investors and platform users in person.
May - AssetStream Token (AST) Token Distribution takes place.
June - The AssetStream Platform is fully operational.
July - AssetStream’s first monthly pay out to Lenders.
Listing AssetStream Token(AST) on external 3rd party Exchange.
Contribute Money/BlockChain expos around the globe to meet the potential investors and platform users in person.
Announce the 2nd and 3rd target market (Potentially Vietnam, Philippines) with its strategic partners.
AssetStream Platform with its strategic partners hold a press conference event in both target market.
Contribute Money/BlockChain expos around the globe to meet the potential investors and platform users in person.
October - New volume of AssetStream Token (AST) Token Distribution takes place.
November - Platform functions for 2nd and 3rd target are fully operational.
December - 2nd and 3rd target market first monthly payout to its lenders.
Contribute Money/BlockChain expos around the globe to meet the potential investors and platform users in person.
AssetStream Platform beta test the features of peer to peer lending and start launching from the best situation of the target market.
AssetStream becomes a full functioning versatile global lending platform together with the regional strategic partners.
Start online advertising and public relation campaigns.
Launching of AssetStream platform on mobile to the available market.
Together with its local strategic partners, Assetstream expands its territory of service.
The AssetStream platform can expand itself entering credit scoring, banking business base on user data of the platform.
Pursue the social mission as social enterprise to apply basic financial education to developing countries to help prevent people from making financial mistakes and reduce reliability on loan sharks which improves the overall living quality.