Ratings AssetStream

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.

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.

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 !

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.

→ 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.

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.

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.