AIBanks
Reserve tokens to participate in banking decentralization
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AI Blockchain banking platform
based on MLaaS Zalogo operating since 2013
DECENTRALIZE BANKING
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Coins capitalization quadrapled this year as banks and regulators made the first steps in adopting crypto currencies to the banking system.

Our mission is to enable emergence of fully automated decentralized banks, to make crypto coins as widely spread as fiat currencies and
to make AIB the stable coin after its 10x growth.
70% of banking operations, regulations and costs are related to fraud prevention. Yet, low transparency and accountability of lenders is the major bottleneck of the industry development.

The largest loan marketplace lost 80% of capitalization after investors recognized that they cant trust its loans records.
THE LARGEST PROBLEM OF BANKING IS
FRAUD
If you knew where to look inside the loan company, things were worse than anybody realized.
THE FIRST ICO OF BLOCKCHAIN BANKING PLATFORM
paving the road for blockchain community to the banking system managing a $12 trillion monetary base, processing $199 trillion of loans and 120 trillion payments per year
AIBANKS LAUNCHES AI BLOCKCHAIN LENDING PLATFORM

AIBanks will make loans affordable, fast and secure worldwide with blockchain fraud prevention and AI decisions. We run ICO for Phase I development - blockchain lending marketplace for banks and investors based on our Mortgage Lending as a Service (MLaaS) platform Zalogo operating since 2013.
FRAUD AND MANUAL DECISIONS RETARD BANKING

«anking requires blockchain for fraud prevention and AI for decision making to operate $199 trillion credit and 120 trillion transactions per year.
70% of banking operations, regulations and costs are related to fraud prevention.
The largest loan marketplace lost 80% of capitalization after investors recognized that they cant trust its loans records.


AIB INTRODUCES BLOCKCHAIN FRAUD PREVENTION AND AI UNDERWRITING

AIB blockchain fraud prevention and AI underwriting may save up to 9 billion of man-hours and $600 billions of retail loans costs per year.
We roll out AIB platform on a lean step-by-step basis, starting with Home Lending based on our existing MLaaS platform Zalogo with 1000+ mortgage deals processed since 2013.

AIB CONNECTS BANKS, INVESTORS AND BORROWERS ON AI BLOCKCHAIN

AIB blockchain fraud prevention and AI enables immediate underwriting and sale of a loan to the most suitable bank or investor.

So banks and even chatbots will deliver loans at the best rate possible in seconds to borrowers and lenders.
CORE USE CASES AND SERVICES
to be available for banks and investors via AIB API
AI SALES AND UNDERWRITING

Borrowers get the best approved loan offers in a few seconds via banks or chatbots.
AIB AI reads and understands application documents and clients big data, requests additional information and makes offers based on preferences of banks and investors written in Smart Contract.
SMART CONTRACTS ORIGINATION

Banks and investors set up loans eligibility criteria in AIB Smart Contracts. Other banks, investors or brokers match loan applications with such contracts, originate and sell loans to the contract owner.
This ensures a fast, cost efficient, secure and compliant with regulations origination.
BLOCKCHAIN FRAUD PREVENTION

Investors and Regulators monitor loans portfolio and regulatory ratios in real time.
In particular, investors will be sure that appraisals, down payments and loan payments are not fraudulent.
This will trigger flow of money from capital markets to Home Equity and other loans.
TOKENS INSTEAD OF BONDS

Investors will be able to buy tokens secured by loans receivables (mortgages, SME, auto loans). Traditional securitization will be faster, safer and more cost efficient.
AI & Blockchain banking reviews
"Cloud based platforms, robotic process automation, and cognitive technologies are expected to be top priorities [for banks and capital markets firms], along with a push to replace aging core systems.
Partnerships with marketplace lenders may be highly sought to attain lending business diversification and scale."
"Blockchain technology may radically alter the process through which consumers buy a home, as well as the way financial institutions handle mortgages. Specifically, the technology could remove cost and friction from the process, create transaction records that are infallible and incorruptible, and facilitate nearinstantaneous settlement. It could also dramatically change the way mortgages are serviced and sold on the secondary market."
"The financial-services industry is up for serious disruption - Blockchain Revolution, it [financials industry] moves money, it stores money, it lends money, it trades money, it attests to money, it accounts for money, and so on.

Every one of those can be challenged."
"All loan data placed on the blockchain becomes immutable and is time-stamped within a verifiable audit trail. From the point of origination, there will no longer be a need to consult different data silos for different pieces of relevant underwriting and servicing information, creating one "true" and auditable source of data.
Blockchain will securely and confidentially track and relay security ownership information to authorized trustees to streamline security servicing. Regulators with full access rights could gain a systemic view of asset ownership and monitor systemic risks.

Blockchain and smart contracts could catapult the securitization industry into a new digital age."
AIBANKS HAS A PROVEN BUSINESS UNIT -
Zalogo Home Lending since 2013
Over 1000 loans processed
Over $30 millions loans value
5 banks, 22 investors and 14600+ clients
Since 2013 AIB Zalogo has being mastered the mortgage marketplace
In 3Q 2016 we launched P2P lending

Zalogo has AI engine (image & text recognition) sorting loan documents and preparing application packages, saving 70% of loan processing time
"Borrowers may save up to $10 billion in interest payments through refinancing part of consumer debt with home equity loans in Russia."
AIBanks Team and Advisors
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Our team worked at
PRIVATE PLACEMENT
FOR THE COMMUNITY LEADERS AND EARLY ADOPTERS

Due to a limited AIB token offering during ICO in June we run a privileged private placement in advance to ICO to ensure that the pioneers and founders of the crypto world have access to AIB tokens in the first place.
PRIVATE PLACEMENT OFFERING

AIBanks ICO will start in June 2017 with value of tokens offering will be limited. We would like to make sure that the pioneers of the crypto community will have the opportunity to participate in AIB ICO on a privileged basis and benefit from blockchain expansion into the commanding heights of the global economy. Their vision and values are very important for development of AIBanks as a banking platform and AIB as a stable coin.

AIBanks issues 100 AIBP tokens for a private placement.
AIBP price is 33 ETH.
Within one week after the AIB ICO ends AIBP will be converted into AIB with a 50% premium according to the formula:

AIB to be received = AIBP * 33 / AIB ICO price ETH * 150%

We limit our private offering to 20 AIBP per one hand and reserve the right to return payment and withdraw AIBP token within 7 days after purchase.
WHY WE LIMIT ICO OFFERING

According to the best practices we follow lean step-by-step fundraizing and limit ICO goal. We raise only limited amount needed for Phase I implementation despite the overwhelming indicated demand for the banking platform.
Investors benefit when a project receives access to funding based on perfomance rather than "full cash in advance" practice. The team shall meet intermediary goals to get access to funds supposed to be used for more distant goals.

Classical venture capital, despite many pitfalls, provides very useful practices regarding sustainable team motivation: the team's benefit from the project capitalization growth shall outweight any alternative ways of making money.

That is why we limit our ICO goal to have the strong motivation to focus on raising fundamental value of AIB tokens and selling reserved for Phase || tokens at a higher valuation.
The link to this Private Placement page is for private use only. The link to be shared exceptionally with the community leaders contributing to the ecosystem sustainable development.
WILL BLOCKCHAIN STEP IN THE GLOBAL ECONOMY?
AIB decentralizes the commanding heights of the global economy - banking

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