Category: BankingBusiness servicesPlatform



All competitors can be divided into two categories: Traditional P2P Lending (Lending Club, Zopa,, etc.) Loans in cryptocurrency (Everex, POLONIEX, Btcjam, etc.) Our transaction storage system is more open than the first category. You can remember at least a scandal with Lending Club when the turnover of the company was artificially overstated. SOFIN transactions are stored in a decentralized storage facility based on blockchain. There is also a powerful bonus model based on the private SOFIN token (more in the Smart Contract Structure section). We benefit from the second category with the legal purity and transparency of each transaction. The loan is given in the fiat currency of the Borrower’s country according to the law. So the Creditor has a clear, legitimate reason to repay his loan. In addition, we differ from both options with the existence of our own guarantee fund, which reduces the risks of Creditors (more in the Guarantee Fund section). We give loans to both individuals and small and medium-sized businesses. For businessmen it can be both a business development loan and the one to start a new one. The main thing is to make the project viable. The risk assessment methodology, including the startups, has already been tested in practice. For the startups it will also be a plus if the Borrower has already proven its reliability by taking and returning consumer loans. His ranking and history of consumer loans will be available to the system, and the chances of getting credit for business will grow significantly.




  • 2010 January
    Rostov region guarantee fund
  • 2011 January
    Offline MFO Expressmoney
  • 2012 January
    Opened the Verum law firm
  • 2013 January
    -Miming rigs, cryptotrading -Opened the Elonsoft IT company
  • 2014 January
    Private P2P loans to entrepreneurs
  • 2016 August
    -P2P platform concept -Launch of MFO Loan CLub
  • 2017 July
    to date Commencement of system development
  • 2017 November
  • 2017 December
  • 2018 January
    -Token on exchanges - Launch of the platform in Russia and the Guarantee fund option
  • 2018 July
    Launch of the platfrom in the CIS countries
  • 2019 January
    Launch of one country per quarter

Financial distribution

88% Public sale
6% Escrow, Advisers, Key Staff
6% Bounty & Guarantee Fund


Board of directors

Andrey Tuchkov
Chief executive officer
Trofim Zhugastrov
Chief product officer
Nikita Lushpanov
Chief blockchain officer
Vitaly Slobodin
Chief technology officer
Anton Kruchko
Chief legal officer


David Drake
Konstantin Ivanov
Alexey Telnov

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