DEBITUM — Small Business Financing


In accordance with statistical data from world banks, that about 70% of all micro, small and medium enterprises in emerging markets have no access to credit. Though the sector very plays a big role in the local/global economy. Especially according to world bank data estimates that informal companies around the world have an additional credit gap of about $ 1 trillion. this gap is deeply felt in the global economy, and the banking industry to date cannot solve this problem. Therefore, we will develop a platform that will solve this problem using alternative methods or called ‘alternative finance’, which will provide alternative financing solutions such as peer-to-peer lending (P2P), crowdfunding, balance-sheet lending, invoice trading (loan backed by account receivables), supply chain finance, reverse factoring, merchant loans, VAT financing, and others. We will debate this gap, by creating a platform named “DEBITUM”

Getting Started Development

We will build a platform that will engage SMEs with traditional banks, where we will provide solutions for SMEs who are finding it difficult to raise funds, so they can grow and grow and ultimately they can directly access traditional financial instruments. We will give users easier access, in addition they will get higher operating speed and convenience. Users will gain access to financial instruments faster than regular banking. Regarding our belief in users, we will use a blockchain system, which in turn will manage in such a way as to the system and user loan procedures, so that we are not overly concerned about the trustworthiness of users.

Reasons We Choose Blockchain

We designed this platform to run using blockchain technology as the basis for our platform development. Because from the first appearance, blockchain comes with the offer of fast and secure online transactions and supports all types of data and cryptocurrency. Blockchain technology uses a system, where every transaction is recorded and can not be changed forever, so transaction security and transparency can be maintained and reduce the chance of cheating data.
We prefer to use blockchain technology because this technology is more secure than the usual technology today. Unlike conventional technology, blockchain technology does not require a third party, so it’s safer and cost-effective. And blockchain technology is more minimal system error, so this technology is better and reliable.

True decentralization

We will make this platform work with a truly decentralized system, we will put our users in one place, a ‘community’, which contains various service providers and companies, which they will be able to finance ‘borrower’ alternatives to various SMEs. With the Debitum network, we will make this community work together as one service provider, which in turn will provide a better experience in this financial business.

In conclusion

We believe that with the system we have designed, we can address the gaps that traditional banking cannot overcome at this time. And we believe that blockchain and cryptocurrency technology is the most important part of it, and we are sure to have a platform that is safer and better than similar platforms.


With this opportunity, we invite you to enlarge this Platform, to reach the Broader Society. We will release the Token under the name “Debitum (DEB) Token ”, here is the data.

•  Token name: Debitum (DEB)
•  Blockchain: Ethereum-based ERC223 token
•  Crowdsale: The Stage 1 Crowdsale from December 7th 
•  400 million Debitum tokens
•  Stage 1 Crowdsale the Hard cap is: Round A 4,000 ETH, Round B 20,000 ETH





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Comments: 0Publics: 9Registration: 12-02-2018
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