Welcome to Credium

We’re a team of fintech, finance and blockchain entrepreneurs and we’re using blockchain to build a new infrastructure for the massive credit industry
Learn more about the project:


Credit is the world’s most important financial engine, as it drives growth, personally and commercially, pushing our society forward. but credit products are still expensive and often inaccessible for those who need it the most. Its because the infrastructure of the credit industry still relies on limited, cumbersome, heavily intimidated and costly processes developed over 5 decades ago. It’s time to for a system upgrade.
Problem illustration


We believe the solution comes from within; instead of building yet another lending platform, we are creating a new protocol, based on blockchain technology powering a shared, synchronised credit ledger. This will allow existing participants to connect and transact in a much more efficient way that will reduce costs of trading, while building a stronger ecosystem.

What is credium?

The Credium protocol allows financial institutions to setup a private blockchain based marketplace for liquidity purposes (secondary markets for loans) or connect to Credium's global ledger, which allows any note holder to price, list and sell their credit assets across platforms.
What is credium

Introducing the CDM token

Graph 5% Charity* (Maaser) 40% Tokens for sale 25% Partners, Advisors and Bounties 15% Team 15% Credium Org.
*A Charity fund will be locked and released over the span of 5 years. Every 12 months the Credium organization will whitelist together with the community 10-15 charitable causes and invite token holders to vote on the allocation of 1% of the circulating tokens (20% of the fund) or participate in a 3rd party charitable fund as been previously proposed

CDM token

  • The utility token issued by Credium for interacting with the regulated Credium platform
  • Executing trades
  • Rewarding servicers for proof of collection
  • Micropayments to unlock credit data
  • Matching notes in the open risk marketplace
  • Liquidating USD credits - Extracting holdings and converting to BTC, ETH or Fiat

The Team

Kfir Hod Moyal
Co-Founder, President
  • Co-Founder and Board Member of Matomy Media Group, (IPO’d 2014)
  • General Partner & Co-Founder of Cyhawk Ventures
  • Blockchain and Crypto Investor
Gilad Woltsovitch
Co-Founder, CEO
  • Serial fintech entrepreneur and blockchain evangelist since 2013
  • Co founder of backed inc., An online lending platform focused on fair credit access for millennials, operating in the US since 2014
Dan Eblagon
Co-Founder, CMO
  • Leading Marketing strategy for fortune 500 and tech companies since 2006 Joined blockchain community at 2016
  • Co Founder of UTURN (merged to Grey advertising group)
  • Head of digital, Grey tel aviv (P&G, microsoft, intel and more)
Tom Baxter
Chief Operations and Compliance Officer
  • Director, Compliance & Operations Backed Inc.
  • Partner at Bendigo Partners
  • SVP, Risk Management at Gain Capital
Nufar Segal Bareket
VP Business Development
  • Chief Revenue Officer at Backed Inc.
  • Senior Advisor at ChargeAfter
Yaniv Gatigno
Product advisor
  • Led product and projects at matrix, mellanox and Gnosis
  • Blockchain enthusiast since 2014
Taras Herasymchuk
Lead Blockchain Developer
  • Full stack Developer, Java engineer
Аrtem Мustafa
Software Engineer
  • Back-end developer
Оlga Кondratenko
QA Engineer
  • Quality Assurance Engineer with more than 6 years of working experience in web and desktop projects.
Denіs Аndrikevich
Software Engineer
  • Front-end developer
Yuliа Repetskа
Agile Product Owner
  • Experience in managing of distributed and cross-functional teams (20+ people).
Yoni Assia
Fintech and Crypto Advisor
  • Founder & CEO of eToro group
  • Fintech and Crypto investor
Eyal Hertzog
Crypto-Economic Advisor
  • Leader in the blockchain community
  • Product Architect at Bancor Foundation
  • Co-founder & Product Architect AppCoin
  • Co-founder, President and CCO Metacafe Inc
David Drake
Chairman of LDJ Capital
Founder and Chairman at LDJ Capital, a multi-family office with over 50 global directors and family office partners that deals with various funds worldwide with US $1.5 trillion AUM. His crypto hedge funds hold crypto, ICOs, and fintech equity as seed investments to help new coins to be made via ICOs. His company also offers bridge financing to seed upcoming ICO’s
Raphael Ouzan
Fintech and Blockchain Advisor
  • Entrepreneur In Residence at Thrive Capital*
  • Founder, CTO & Head of Product at BillGuard (acquired by Prosper Marketplace)
  • VP, Product & Technology at Prosper Marketplace
  • Leading blockchain technologies screening for top tier vc’s
Elan Amir
Marketplace Lending Advisor
  • Chief Product Officer at Prosper Marketplace
  • President & CEO at Bivio Networks
Eytan Shain
Marketplace Lending Advisor
  • Analyst at StormHarbour Securities LLP
  • Global Strategy and Business Development at BLender P2P Lending
Ru Yuan
Credit Risk Advisor
  • Credit Risk Director at Backed Inc.
  • Vice President, Credit Risk Strategy and Analytics at Barclaycard
George Popescu
Marketplace Lending Advisor
  • CEO @Lampix, Managing Partner @Block X Bank, Editor-in-Chief @Lending Times
Mihai Cucuringu
Applied Mathematics
  • Alan Turing Research Fellow, University of Oxford
  • CAM Assistant Adjunct Professor, Applied Mathematics at UCLA (LA)
  • Associate in Quantitative Trading/Statistical Arbitrage, Bank of America

The World Is Waiting For Credium

The credit industry is lacking a secondary market to become a tradable asset class

Credium in the press

Road Map

Q1 2018
Pre-sale announcement
Q2 2018
TGE + Commencing integration with design partners
Q3 2018
Alpha is live, announcing Credium partnership program
Q4 2018
Releasing private exchange beta with selected partners
Q1 2019
Launch Open Risk Marketplace
Q2 2019
Complete regulatory framework for the Credium Global Exchange
Q3 2019
Launch USDC Index product
Q4 2019
Launch UK and HK Credium operations


Why Blockchain?
General purpose blockchains allow for digital assets to be transferred efficiently between different closed systems; it allows:
• Direct transaction between market participants
• Performance-based and unbiased risk scoring
• Asset metadata is always up to date (every~10 Sec)
• Immutable provenance and historic performance
• Fair access to all market participants
• Connecting crypto investors to the credit markets
How is Credium different from multiple blockchain lending platforms recently launched?
Credium is not an online lender - it does not issue loans to borrowers, nor does it handle any borrower personally identifiable information. Credium operates a secondary market for loans, allowing anyone who owns borrower notes (whole or fractional loans), i.e the beneficiaries receiving the repayments - to liquidate these notes by tokenizing and trading them in a transparent, frictionless, decentralized exchange.
Why Use the CDM Token?
CDM utility tokens are used to pay the fees, which are required for interacting with the Credium platform. When interacting with the Credium platform, users receive assurance that the underlying assets and tokens exchanged are in full compliance with the regulation in each market, which Credium operates in.
As a regulated platform, Credium ensures all notes exchanged on the CDM platform are issued by regulated entities, and that all risk models used to price them are in full compliance with specific regulations to the region in which the underlying loans have been originated
Is CDM similar to the Securitization Markets for Loans?
No. Credium operates CDM as Secondary market for trading matured notes, originally issued on primary lending markets. In the Securitization markets pools of assets are bundled together, rated as tranches and sold off by several intermediaries allowing price distortions to occur. In a secondary market each asset is being exchanged independently and is not buried within a large complex financial instrument.
To further mitigate price distortion, CDM also does not allow any bid/ask auction type trading, and uses its proprietary Open Risk Marketplace to maintain a tight correlation between the risk and the price of each note.
How is CDM solving mark-to-market and price discovery?
Using the Open Risk Marketplace, CDM eliminates the need for an auction based bid/ask process to perform price discovery. While the bid/ask method may be suitable for the stock or commodity markets, it has proven more than problematic when it comes to pricing loans, and that is part of the reasons why the securitization markets are the only cross-platform outlet available to some investors today, to liquidate loans.
The open repository of publicly available risk models hosts transparent risk models, with immutable accuracy and historic performance scores, linked directly to the assets exchanged on CDM, and allow any risk analyst to publish, modify and monetize their trained models.

These publicly available models allow both sides of the market to price the notes independently, and either agree or disagree on the trade. Once the seller chooses to list the note, he or she can choose one of the available risk models to evaluate the note’s risk and based on the selling price, he can immediately see the timeframe in which notes with a similar combination risk profile and price have been sold before on CDM.
Does Credium offer automated Trading?
The second major release of CDM will allow for algorithmic portfolio management. Using CDM automated trading tools, buyers will be able to select their prefered risk models from the Credium Open Risk Marketplace and set a strategy that will maintain their portfolio balanced based on their preferred risk appetite, i.e. re-investing monthly returns automatically.
Is CDM regulated?
Yes. This is the reason Credium is issuing the CDM token - to ensure the smart contracts it deploys are used by the market participants it validates. All assets and market participants must comply with the regulatory requirements of the various credit markets in which CDM will be integrated to.
What fees are charged on CDM?
Fees on CDM are paid using the CDM token and are used for:
  1. Scoring assets on ORP
    • The fee is set by the risk model publisher(s) and paid by anyone scoring a note.
  2. Trading fees
    • Sellers and buyers pay a fee to the Credium platform when Tokenizing, and purchasing notes.
    • Credium pays fees to Oracles for validating the note payments.
    • All trading fees are balanced to equal 0.5% of the USD note value.
  3. Exchanging any liquid stable tokens to BTC ETH or Fiat

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