{"id":7473,"date":"2020-07-04T08:30:00","date_gmt":"2020-07-04T08:30:00","guid":{"rendered":"https:\/\/savingsforfreedom.com\/?p=7473"},"modified":"2020-11-04T18:12:44","modified_gmt":"2020-11-04T18:12:44","slug":"iban-wallet-platform-risk-analysis","status":"publish","type":"post","link":"https:\/\/savingsforfreedom.com\/blog\/2020\/07\/04\/iban-wallet-platform-risk-analysis\/","title":{"rendered":"Iban Wallet: Platform Risk Analysis"},"content":{"rendered":"
\"iban<\/a><\/div>
Risk Management<\/a><\/span>

iban Wallet: A Warning Message<\/a><\/h2>
<\/i> By SavingsForFreedom<\/a><\/span><\/i> November 4, 2020<\/span><\/i> 0<\/span><\/div>
I decided to stop promoting iban wallet on my blog. Too many questions without answers, too much smoke around people, locations, finances and operations. A warning message to all.<\/div><\/div><\/div><\/div><\/div><\/div>\n\n\n<\/a>\n\n\n\n

Before reading about Iban Wallet platform risks, make sure you are aware of Iban Wallet: Platform Pros and Cons<\/a><\/strong>. That is crucial to assess the following information in the proper manner.<\/em><\/p>\n\n\n\n

What is Iban Wallet?<\/h2>\n\n\n\n

Iban Wallet is a global online marketplace for investment. Iban Wallet acts as an intermediary to the lending process, providing the necessary technology to allow lenders to invest funds, and loan originators to access capital. <\/p>\n\n\n\n

What that means for investors?<\/h2>\n\n\n\n

What loan originators do is allow for credit rights to be purchased. In short, the returns investors make come from the purchase of credit rights, technically known as \u201ccredit receivables\u201d. You, as investor, allocate your money into a “package” of loans already issued by the loan originator and, in fact, purchasing rights on the interest generated by such loans with a price cap of 2.5% up to 6%.<\/p>\n\n\n\n

\"iban
How Iban Wallet works<\/figcaption><\/figure><\/div>\n\n\n\n

Do you understand now why Iban Wallet is different from the P2P lending model? Let\u2019s make it more clear: loan originators underwrite loans and issue them to borrowers. When you invest through Iban Wallet, the loans have already been issued. The loan originators are already contractually bound to the loans, they are not waiting for enough capital to be raised to fund a specific number of project. In fact, the loan originator aggregated a large number of individual loans into a large loan package that then makes available for Iban Wallet to manage.<\/p>\n\n\n\n

While this results on a lower interest rate than what you traditionally find on P2P lending platforms, it also enables the most interesting value proposition and differentiation of Iban Wallet in the market: to offer a higher degree of liquidity to investors<\/strong>, as they are able to request a withdrawal of their funds at any time (keep in mind that an early cancellation fee may apply if funds are withdrawn before their term on particular investment products). <\/p>\n\n\n\n

Iban Wallet Ecosystem Incentives<\/h2>\n\n\n\n

The above description makes transparent the particular interests of all stakeholders involved:<\/p>\n\n\n\n