Cred LBA to VIDY VIDY Exchange

Crypto Pair Details: LBA to VIDY

Cred LBA

Libra Credit is a decentralized lending ecosystem that facilitates open access to credit anywhere and anytime based on the Ethereum blockchain. Libra Credit is a global initiative with a mission to provide financial inclusion and lower the cost of financial services. Powered by its proprietary big data, AI-based credit assessment technology and existing global partnership networks, Libra Credit has the expertise and capabilities to realize its mission. Libra Credit aims to offer a seamless digital lending process that can be completed in 5 steps: application, verification and credit assessment, confirmation, collateral deposit, and disbursement. The Libra Credit platform will focus on a dual-credit risk scoring mechanism that considers the creditworthiness of the pledged collateral as well as the credit information of the borrower. Borrowers will be able to pledge any crypto-assets as collateral and receive loans in their desired asset. Using smart contracts and a proprietary collateral valuation and liquidation system, Libra Credit will lock in agreed terms between borrows, lenders, custodians, guarantors and liquidators. Libra Credit was founded in 2017 and operates out of San Francisco, USA. They are backed by investors such as FBG Capital, GBIC, DHVC, Dekypt Capital, Crypto Parency, and others. Lu Hua, Co-Founder & CEO has experience in the payments, financing, and risk management industries. He was previously the CEO of moKredit, one of China’s top digital credit servicing companies. Lu was also the Head of Core Payments for PayPal China and the Head of Global Banking Platform for PayPal US. Dan Schatt, Co-Founder & COO has previously worked as the Chief Commercial Officer at Stockpile Inc., a leading fintech company, and as General Manager of Financial Innovations at PayPal. Howard Wu, Chief Scientist, he is a blockchain and cryptography expert who is a Founding Partner of Dekrypt Capital, Advisor of Blockchain at Berkeley, and Software Engineer at Google. He advises the project in a technical capacity and has received a Master’s degree in Electrical Engineering and Computer Sciences from UC Berkeley. There are already quite a few blockchain lending projects, so competition is stiff. Libra Credit’s development progress is rather early compared to its competitors. The crypto-to-crypto lending part seems to be well thought out. However, not so much with the crypto-to-fiat part. According to the roadmap, crypto-to-fiat lending is scheduled to launch in 2018 Q3. With details lacking in the weekly blog update about crypto-to-fiat lending, it is difficult to gauge whether the proposed timeline is reasonable.

VIDY VIDY

Vidy is the world's first decentralized ad network, powered by the Ethereum blockchain. Vidy's ad platform allows advertisers to embed video ads directly into hyper-relevant website text, improving user experience, ad conversions and publisher payments. Vidy is one of the few crypto companies in the world that is actually live in production and presently working with the largest and most prestigious companies of the world. Vidy is revenue positive with tier 1 advertisers buying the Vidy ad unit, and has over 3 billion monthly pageviews on major publishers around the globe. Vidy plans to harness this massive userbase to facilitate major adoption of VidyCoin as a means for ad rewards and purchases on every page. Vidy has invented the world's first single-page invisible embed layer for video that is completely decentralized. With just a hold, users reveal tiny hyper-relevant videos embedded in the text of any page on the web that supplement their reading experience effortlessly. All video ads are placed with an NLP consensus protocol driven by miners. Each time a user unveils a video ad, he earns rewards in the form of VidyCoin that can then be used in the various forms: 1) Redeem / Purchase goods and services on the Vidy Ecosystem 2) Purchase advertising campaigns 3) Staking VidyCoin to get access to premium advertising and/or publisher features With a team of veteran engineers, industry-leading advisors and world-class brand partners, Vidy is on its way to reinventing digital advertisement, e-commerce, and video entertainment. For the first time, cryptocurrency application will be available to the masses without any switching cost. Vidy has already integrated its technology and signed commercial agreements with more than 40 publishers globally. This gives Vidy an exposure of more than 3 billion page views a month or more than 150 million unique visitor exposures a month across Singapore, Indonesia, Taiwan, Philippines, China, Australia, Malaysia, Vietnam and America. At the current moment, Vidy is receiving datapoints from these integrations that are in the billions, and has seen click through / view-rates of more than 30% consistently across the various publishing platforms.

SOURCE: COINGECKO

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