Check the current state of the project in our social media channels (below)

Meet the new paradigm – Gelios

Peer-to-peer cryptocurrency lending marketplace

Peer-to-peer lending

Peer-to-peer lending is a stable financial technology trend that allows people to interract with each other in credit sphere with no middleman or banks

Blockchain and cryptocurrencies

Blockchain is one of the most disruptive technologies of past few years, allowing people to raise capital, vote, or distribute the information on a whole new level

Gelios is a cryptocurrency lending marketplace. The mission of the Gelios platform is to provide a whole new level of flexibility to the lending industry. Gelios utilizes a decentralized credit bureau built using the Hyperledger Fabric blockchain infrastructure to allow people from all over the world to receive capital. This capital may be used for various purposes. These may include personal finance, SME financing, or long-term loans. Gelios aims to provide a “pure platform” approach, that enables different parties to interact, communicate by smart-contracts. This approach will lead to synergy in work and a better credit process. The main operative function of the Gelios platform is to bring potential creditors and borrowers together by way of a matching mechanism. This mechanism helps both parties reach a consensus on the period of the loan, the interest rate, and the identification and validation procedure. This will make the borrowing process fast, easy, and available online to anyone, anywhere.

Problems of existing peer-to-peer lending solutions

Which issues do platforms, that are already in the market have?

  • You can’t customize risk-analytics to your investment purposes

    There are yield-hungry investors, but there are conservative investors also.
    The services named above don’t give you the opportunity to use your own risk-analytics. Why is this important? As there are a lot of different parameters in the system; such as different types of KYC methods, and many types of borrowers (some of whom being without credit history, others with just a couple of “bad” loans, and others with perfect credit history), various age groups give risk-analysts in the classic industry the chance to segment borrowers into groups and analyze them more clearly. Also, the opportunity for risk-analysts to check data and implement their own algorithms leads to a whole new variety of credit products on the platform. Compare this to the low number of credit products on typical platforms. Gelios uses a decentralized credit bureau, based on the Hyperledger Fabric Blockchain infrastructure, to check data and implement algorithms, and then to sell them on a transactional basis (per every score check).

  • There are no truly global p2p lending platforms

    Some might think, that all one has to do to create a global lending platform or bank is open an office in another country. This is simply not the case. What we are doing is designing a product from the start in order that it performs globally. Our product will not be bound to any one location. An example of what we are trying to do was done by Ethereum. The Ethereum foundation is located in Switzerland, but the system operates on thousands of computers by miners throughout the world.
    This type of organization keeps the system:
    1. In unceasing operation
    2. Accessible anywhere in the world
    3. Impartial regarding the interests of system participants
    Lending in fiat money on classic platforms means that you can only lend in one country or region. But what if you want to be able to lend money to people in India (population of 1.3 billion), China (1.3 billion) or Africa (1.2 billion)?

  • Trustworthy system statistics

    When talking about trust between parties, especially when the two parties are located in different countries, it becomes necessary for everyone to trust one another absolutely. In effect, trust serves as the driver of the system. On typical platforms, companies prefer to use standard databases, which don’t actually do anything to save you from hack-fraud (see Equifax incident, September 2017 ) or from the risk of fraud from the system itself, such as when a higher rating is given to someone in exchange for money. The Hyperledger Fabric Blockchain is used by Gelios to implement statistics about participants, and is perfect to ensure trust between participants in the system itself, and between the system and the customer.

  • The problems involved in building your own credit business

    On typical P2P platforms it is impossible to build your own business. Business-processes may vary from country to country, KYC methods may be suitable for one lender and impossible for another, etc. Some lenders may need to run their own website to ensure a better UI. Gelios provides a unique tool – a ready-to-use personal area for borrowers. Imagine: you have your own plan about how to run your cryptocurrency lending business internationally. You choose your KYC method, your risk-model and select the type of credit product you wish to offer. Then, you buy your own domain name and connect it to the personal area, offer it to webmasters and attract customers to YOUR internationally accessible cryptocurrency loan website.

  • Limit of potential customers

    Classic P2P platforms don’t allow you to widen your sales funnel. That means that you can rely only on the traffic that the platform provides to you directly. The amount of traffic is nothing if you are to decide to start your own lending business, receive constant traffic, or to distribute big amounts of capital.

Gelios Solutions

for Lender

  • Global Coverage

    Gelios provides you access to customers, that can create cryptocurrency wallet - that means, to the whole world

  • Higher Credit Yield

    Provide funds in credit in regions like Africa, South-Eastern Asia and South America for rates at 2-3% daily or 800-1000 annualy (payday loans rates)

  • Flexibility

    Choose risk-algorithm, yield, country your are working on by yourself

  • White-label solution

    Connect your website or mobile app via API, choose KYC provider, Risk-algorithm and make an offer on CPA marketplace for webmaster to drive you own cryptocurrency lending business on the platform

for Borrower

  • Easy access

    Mobile app and cryptocurrency wallet are accessable from every point of the planet, including developing countries

  • Easy to use

    Choose the type of identification you want: from distant to face-to-face

  • Lower rates

    As lender are placed in countries with lower rates for credit, you, as a borrower get lower rates, than in your country

for Risk-analyst

  • Use mobile app data

    More than 100 metrics from mobile devices, that you can check before providing the loan

  • Blockchain as decentralized credit bureau

    Big data + Blockchain = love. Use anonimized information about all issued loans on the platform, to make your algorith better

  • Get paid more

    Sell your algorithm to lender on transactional basis; get tokens per every score


The market is anticipated to rise at a whopping CAGR [Compound Annual Growth Rate] of 48.2% between 2016 and 2024

CAGR 48.2%
  • $897.85 billion in the 2024
  • $26.16 billion in 2015

A finding by Transparency Market Research suggests that the opportunity in the global peer-to-peer market will be worth $897.85 billion by the year 2024, from $26.16 billion in 2015

Source: globenewswire

£50 m £100 m £150 m £200 m £250 m £300 m 2010 2011 2012 2013 2014 2015 2016
  • P2P Property Lending
  • P2P Business Lending
  • P2P Consumer Lending

Source: businessinsider


The product is developing following this stages

  • Brainysoft is the resident of Skolkovo Innovation Center

  • Start of

    June 2017
  • 3 million dollar monthly netflow and 90 active clients of Brainysoft

    August 2017
  • Start of MVP development

    November 2017
  • Matching algorithm between lender and borrower

    December 2017
  • Pre-ICO

    January-February 2018 $1 million hardcap
  • ICO marketing, MVP development, Roadshow, Public Relations

    March-May 2018
  • Exchanges integration for token converting from/to fiat

    Summer 2018 $0,5 million
  • Integrating role of KYC provider

    Spring 2018 $0,5 million
  • KYC providers API

    Spring 2018 $0,5 million
  • Integrating role of risk analyst

    Spring 2018 $0,5 million
  • Risk-analysts interface for custom risk-models

    Spring 2018 $0,5 million
  • Mobile app development

    Summer 2018 0,5 million
  • Blockexplorer for risk-analysts

    Autumn 2018 $3 million
  • Marketing on risk-analysts

    Autumn 2018 $3 million
  • Integrating role of collector

    Autumn 2018 $4 million
  • White-label solution development

    First half 2019 $5 million
  • White-label solution API

    First-half 2019 $5 million
  • White-label customers personal area

    First-half 2019 $5 million
  • Сonstructor for Lender’s business-processes

    Second half 2019 $6 million
  • Integrating role of manager

    2020 $7 million
  • Integrating role of webmaster

    Autumn 2019 $7 million
  • CPA marketpalce prototype

    2020 $7 million

Token Questionaire

Full description of GLS Token

Basic function
Utility token / Internal currency
Price (Nominal)
16 808 824 Overall supply; 8 572 500 for community
Is number of tokens limited?
Yes, by smart-contract
Will be any extra emission of tokens?
What will be with unsold tokens
Unsold tokens will be burnt by rules of smart-contract
What's the hardcap?
7 million dollars
What's the minimal amount of investing
at each stage?
50$ pre-ico 500$ Tier 1 200$ Tier 2 50$ Tier 3 50$ Tier 4
What's the softcap?
150000$ pre-ico, 500000$ ico
Can I send tokens after purchase?
After the end of ICO; after purchase tokens are provided to the wallet, but holded till the end of ICO
In which currencies I can contribute?
ETH preffered; Bitcoin and altcoins are accepted via Shapeshift
Stage Timing Number of tokens Bonus Bonus tokens Stage sold Investments ($) % from overall
Pre-ICO 30 days, starts January 21st 1 000 000 30% 300 000 1 300 000 to 1 000 000 15,16%
ICO part 1 15 days or cap, starts March 13 500 000 20% 100 000 600 000 500 000 7,00%
ICO part 2 15 days or cap 750 000 15% 112 500 862 500 750 000 10,06%
ICO part 3 15 days or cap 750 000 8% 60 000 810 000 750 000 9,45%
ICO part 4 15 days or cap 5 000 000 0 0 5 000 000 5 000 000 58,33%
Overall supply 16 808 824

Media about us

Gelios as seen from media side

  • KYC Providers for Gelios Marketplace Users

    KYC Providers for Gelios Marketplace Users

    Article about Gelios on Cryptcoinnews

  • Gelios is designed as a platform which can enable loans via cryptocurrency by bringing lenders and borrowers together

    Gelios is designed as a platform which can enable loans via cryptocurrency by bringing lenders and borrowers together


  • Gelios Paves the Way for Lending in the New P2P Economy

    Gelios Paves the Way for Lending in the New P2P Economy

    Article about disruptive effect of Gelios technology on Huffington Post

  • Blockchain&Bitcoin Conference Russia 2017

    Blockchain&Bitcoin Conference Russia 2017

    Article about Gelios on Bits.Media