Have you ever given much thought to the time of day you ask for a loan? What about how many emails you send out every day? You’re using a new email for the express purpose of applying for the loan? Did you know that your Facebook friends could determine how likely you are to repay a loan? Well,billions seemingly innocuous elements may be more accurate than the usual credit score in determining repayment reliability.We will learn all of them.
The CREDEROOM project is a team of financial,security,legal and technical experts.We are raising funds in order to develop a lending company operating throughout the European Union.
It can be a complex financial and executive task to run a successful lending company,but the potential revenues can outweigh the complications and risks.With the appropriate planning and leadership,the company has an endless potential.
We would like to present a combination of an old fashion business and the modern digital technologies.Similar to icebergs only small part of which is visible above the surface of the sea,the lending business is only a small part of the CREDEROOM project.
We plan to develop a high-power scalable platform aimed to ease management of financial assets and marketing actions.An open-source API and modern technologies will make us a company with a high cost-benefit ratio.
We have spent time on development of our idea, the concept, vision and business plan,and now we are ready to present our project to public.We are making an offer to everyone who would like to become a part of the brand new,future world of Fintech.

1)IDEA

According to KMPG report in Q1 2017,global investment in Fintech companies hit 3,2 billion USD.We have spent time on development of our idea the concept,vision and business plan,and now we are ready to present our project to public.We are making an offer to everyone who would like to become a part of the brand new,future world.

2)ROADMAP

3)EUROPEAN UNION AND COUNTRY ZONES

The European Union (EU) is a political and economic union of the 28 member states.Its population in 2015 was more than 506 million people,there are many national languages in use,the legislation and business practice vary from country to country.
A lot of preparatory work should be done to commence the operation of our project in all EU states.The quality of the team and the amount of capital aggregated during ICO will greatly influence the speed of our development.
We would like to be as open as possible and will do our best to provide comprehensive information on our strategy and tactics to everyone interested. We have divided all the 28 EU states into 4 Zones. We took population, economics and business environment of the states into consideration.

ZONE A

ZONE B

ZONE C

ZONE D
Approx market capacity is equivalent of the population of the zone in the age between 18 and 65 years old.Certain risks exist when lending to young or elderly borrower.Still,our studies show that,in the long term,profits exceed possible risks.Max estimated credit portfolio and Estimated gross profit are calculated considering reasonable costs of marketing campaign and reasonable number of staff for the first year of operation, in the selected zone.New estimated values for next year of operation will be published regularly 2 months prior to the end of a year.

4) CDRT TOKEN DESCRIPTION

CDRT Tokens are smart contracts released by CREDEROOM and are compatible with any ERC20 Ethereum Wallets.Upon release CDRT Tokens will be sent to buyers Ethereum Address.CREDEROOM will offer 50.000.000 CDRT Tokens during public ICO Campaign.Tokens not sold during ICO Campaign will be destroyed. The price of 1 CDRT Token is 1 EUR.CREDEROOM will make every possible step to ensure that the value of CDRT Tokens will be high, for the benefit of both, existing tokens holders and potential tokens buyers.
- We will not emit additional tokens,
- We will do our best to list tokens on crypto exchanges,
- We will hold Reward Campaigns.

5) BUYBACK CAMPAIGN

Every year, on 15th October CREDEROOM will buy or in any another way acquire crypto currency Ethereum in the quantity equivalent to 10% of the profit* earned during the last financial year by The Main Company and not directly reinvested in growth and expansion.
This crypto currency will be used to buy the CDRT Tokens back from the market at the current price. The quantity of the CDRT Tokens that should be bought back will be determined every year by taking in consideration the price and availability on the market.

6) PROFIT EQUVALENT CAMPAIGN

Every year,on 10th October CREDEROOM will buy or in any another way acquire crypto currency Ethereum in the quantity equivalent to 20% of the profit* earned during the last financial year by The Main Company and not directly reinvested in growth and expansion.This crypto currency will be distributed among CDRT Tokens holders according to number of tokens owned.

7)ICO STRUCTURE

ICO Campaign Goals
During the ICO Campaign we would like to reach the following goals and will lead our business according to the reached goals.

If the ICO Campaign fails to reach its first goal, all money aggregated during ICO will be sent back to its original owners.CREDEROOM plan to develop and lead its business as EU Wide Company whether,during the ICO Campaign, all the goals are reached or not. If all ICO Campaign’s goals have not been reached,the terms of development will be different and will be announced separately.

Bonus TOKENS
Early token buyers will receive bonus tokens

The CDRT Tokens will be sent to Ethereum address they were bought from,or to the Ethereum address provided at check-out.Users who wish to acquire CDRT Tokens must provide Ethereum Wallet for which they control the private key.The CDRT Tokens can be bought for Ethereum,Bitcoin,LiteCoin,ZCash,DASH and many others.Every cryptocurrency will be converted to Ethereum according to exchange rate at https://www.coingecko.com crypto exchange.In some cases,for sending CDRT Tokens,the identification of the buyer will be required.This willnot be used for any other purpose.

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