Meritt icon

The Meritt platform unlocks access to credit finance for small businesses and individuals with 3 key modules

Small businesses, individuals

Build your dataself and
access loans that banks won’t do

1. FINANCIAL DATASELF VAULT

With your online & banking transactions, build & manage your authenticated financial footprint on your dataself vault


Learn more

Small businesses, individuals

Build your dataself and
access loans that banks won’t do

2. CREDIT SCORINGS

AI analysis of Dataself, based on cash
flow or asset valuation


Learn more

3. LOAN MARKETPLACES

Verifiable loan tokens marketplaces by
loan type


Learn more

Institutional Investors

Access superior credit
chains for competitive &
scalable lending

Institutional Investors

Access superior credit
chains for competitive &
scalable lending

Inefficient financial intermediation & increasing credit gap

  • Many good businesses and creditworthy individuals cannot get a loan. The World bank estimates the global credit gap at US$2.6 trillion for small businesses in 2012
  • Record amount of savings and capital are seeking safe and transparent investment across sectors & geographies
  • Cost of delivering the full credit chain is too high on most loan applications for existing lenders, banks also have limited capital to deploy and limited reach
  • Existing lenders only use a incomplete set of data to assess credit risks and are not trusted with storage of personal data

Meritt improves funding prospects by delivering low cost and secure credit chains

  • Identification
    documentation
  • Credit Risk
    analysis
  • UX-User
    experience
  • Loan
    funding
  • Loan
    servicing
  • Automated read only from
    personal & authenticated Dataself vault
  • Automated A.I.scorings
  • Straightforward self-issuance of loan tokens on Marketplace
    for matching with investors
  • Low cost smart contracts servicing on the blockchain
  • Identification
    documentation
  • Automated read only from personal & authenticated Dataself vault

  • Credit Risk
    analysis
  • Automated A.I.scorings

  • UX-User
    experience
  • Straightforward self-issuance of loan tokens on Marketplace for matching with investors

  • Loan
    funding
  • Straightforward self-issuance of loan tokens on Marketplace for matching with investors

  • Loan
    servicing
  • Low cost smart contracts servicing on the blockchain

Build your authenticated financial dataself, access credit scorings and issue your blockchain loan tokens on the marketplace to request credit finance

  • The Alpha app is a pilot built for small business loans and consumers loans in the EU
  • Alpha score based on transparent cash flow analysis with your bank transactions saved on your financial dataself vault via PSD2 APIs
  • With your portable Alpha credit score, issue your unique set of ERC20 loan tokens for each loan request
  • Trustless verification of issuer ID, loan tokens score and repayment terms on public & private ledgers
  • Loan tokens are tradable

MTT is the Meritt coin

A small deposit in MTT is required to request credit finance and issue loan tokens on the loan marketplace


Issuer of loan tokens / Borrowers
Entity seeking funding

  • Small business, individuals
  • Community administrator

Buyer of loan tokens / Investors


  • Funds, banks, investors,
  • Supporting community members
Meritt

1. Staking deposit of
  1% of requested loan
  amount in MTT

2.Loan token issuance

3.Funds, BTC, ETH, Fiat

4. MTT Reward to drive
  network adoption for
  early participants only

Meritt

Loan tokens
marketplace

1. Staking deposit of
    1% of requested
    loan amount in MTT

Meritt

Issuer of loan tokens / Borrowers

Entity seeking funding

  • Small business, individuals
  • Community administrator
  • 3. Funds, BTC,
    ETH, Fiat

  • 2. Loan token
        issuance

Loan tokens
marketplace

  • 3. Funds, BTC,
    ETH, Fiat

  • 2. Loan token
        issuance

Buyer of loan tokens / Investors

  • Funds, banks, investors
  • Supporting community members

4. MTT Reward to drive
    network adoption for
    early participants only

Meritt

MTT is a Low velocity coin accelerating the network adoption. MTT demand increases with network adoption and volume of loan tokens issued​

How Meritt can also be a useful tool for communities ?

1. For self-crowdfunding directly with your existing trusted contacts

Communities

Build you group on the Meritt social network or connect your community app via the open APIs

Community admin:

Self-issue & sell loan/donation tokens to trusted group members

Community members:

Support and participate in your trusted network token issuance

roscus

2. For Tokenisation via open APIs to operate on the transparent Meritt ledger

The Hummingbird Nation charity uses Meritt token issuance APIs to tokenise FIAT donations it receives.
By doing so, donors can track where and how their donations are being spent on the verifiable and transparent Meritt Blockchain Ledger.

Roadmap – key milestones

Launch, white
paper, source code
Meritt protocol v0 tested on
the Ethereum Rinkeby testnet.
Meritt Token
allocation
RSK Bitcoin as a
Meritt sidechain
Meritt protocol smart
contract library
development
Web progressive alpha dApp on
testnet, integrating light wallet
and token issuance
Native apps for iOS
and Android Mainnet release
Stable coins
integration
Launch,
whitepaper,
source code
Meritt protocol
v0 tested on
the Ethereum
Rinkeby testnet.
Meritt Token
allocation
RSK Bitcoin as a
Meritt sidechain
Meritt protocol smart
contract library
development
Web progressive alpha dApp on testnet, integrating light wallet.
Native apps for
iOSand Android
Mainnet release
Stable coins
integration
Team

Experienced team based in London with coverage in Asia

Meritt leads

  • Hicham Errafass

    STRUCTURED FINANCE

    GE CAPITAL, ESCP Europe

  • Rayan Goutay

    Rayan Goutay

    Regulatory officer, FCA

    Goldman Sachs, Panthéon Sorbonne

  • Kiung (Tom) Ku

    Kiung (Tom) Ku

    Asia Manager, Citibank, E&Y

    Columbia Business school

  • Jay Best

    Jay Best

    AI & Blockchain specialist

    Cogni Capital, MIT

Developers

  • Stefan Loesch

    Stefan Loesch

    Blockchain architect

    Cryptocustodian, INSEAD

  • Bilal Arif

    Bilal Arif

    Lead developer. Full stack &

    solidity developer

  • Muhammad Khan

    Muhammad Khan

    Blockchain Engineer

  • Danish Saber

    Danish Saber

    DApp Developer

Community managers, marketing, IT

  • Dan Eve

    Dan Eve

    Crypto community engagement.

    Cryptocurrency Miner, Investor

  • Candice Morris

    Candice Morris

    Charities & trusted communities engagement

  • Adrian Slusher

    Adrian Slusher

    Marketing & digital media

  • Lina Kim

    Lina Kim

    Asia coverage

    Crypto community

  • Shireen Sivan

    Shireen Sivan

    Meritt Ambassador Lead

  • Philip Leipper

    Philip Leipper

    Computer science teacher

    King’s college London

Advisors

  • Eric Alexandre Ceret

    Eric Alexandre Ceret

    FOUNDER JETCOIN INSTITUTE

  • Candice Morris

    Lidia Carmina Dumitrascu

    CEO VentureBoost Ltd

  • Candice Morris

    Filipe Alves Moura

    Senior Corda Developer

    Nth CEO

  • Demetrios Zamboglou

    Demetrios Zamboglou

    Director - Lykke exchange

  • Jineshwar Kochar

    Jineshwar Kochar

    Fintech analyst

  • Jan Bolhuis

    Jan Bolhuis

    BLOCKCHAIN ARCHITECT

Whitepaper

Whitepaper

CHECK OUR GITHUB REPOS

Partners

Partners

Blog

Roadshows & Media Coverage