Peer-to-peer lending, or simply P2P lending, is a part of the growing $114 billion industry of alternative lending forms. Through digital technology, P2P lending platforms seek to simplify the borrower experience by cutting out the traditional middleman—the banking industry—and instead ofering end-to-end loan solutions to borrowers and lenders

However, this expansive growth has presented three major problems:

• Difculties in diversifying and managing investments;
• Issues with transparency and reputation;
• Problems with the mobility of cryptocurrency and assets across borders.

We propose three solutions to them:

• Cross platform loan aggregator with ratings and blockchain;
• Welltrado P2P fund for global and cross-border investors;
• Portfolio management of loans across platforms in a single dashboard.

The P2P lending industry is already huge. There are an estimated 4500+ P2P lending platforms globally, excluding China, which until recently housed more than 4000 platforms on its own.

Welltrado has a unique and strong position amongst possible competitors. We work as aggregators of p2p crypto funds and act as a tool to manage them. No other competitor engages these areas simultaneously in the way that Welltrado does. Most competitors, as aggregators of loans, are limited to single jurisdictions, especially within the UK or the USA. Welltrado, on the other hand, would operate in all European countries at first, and later expand to other continents. One of our main goals is to facilitate cross-border investments

Welltrado currently focuses on the European market where there are ~300 platforms in all four segments (real estate financing, invoice financing, SME loans and personal loans), but we have much bigger ambitions than that. Currently, we are in contact with 60% of the players in the markets (~200 platforms), and most of them treat us as partners. They see our activity as very meaningful for their own business and the market in general. We already have integrated 100 platforms, and 200 more are waiting in the pipeline. We continue to connect with the rest of the market platforms