Payday lenders perpetuate an exploitative banking system that shrinks our middle-class.

400%

Average APR on a payday loan

$520/yr

Average amount paid in fees to borrow $375

1/10

Americans who view payday loans positively

(Yeah... we wonder who they are too)

Margin is a data-driven peer lending network that creates new financial opportunities for would-be payday borrowers. We deploy on the latest blockchain technology to keep our operation transparent, our data secure, and our costs minimal.

Margin will displace payday lenders by undercutting them 100%

Platform

Platform
Margin is the banking institution for a digital future. We pair proven microfinance principles with adaptive algorithms to minimize default for borrowers underserved by traditional lenders. Rather than exploit their circumstances, we offer zero-interest personal loans to borrowers facing potential debt traps.

Token
Our platform runs on the Margin token (MRG). You need it to contribute to our loan pools and get returns, access the data we collect, and contribute to open-source algorithm development. If you borrow with us, you’ll even receive some MRG once your loan is paid off.

Token

The Margin Ecosytsem

  • For communities, we're an organizing platform

• We offer the very first alternative to payday lenders

• We extend real blockchain solutions to a broader community

• We bring the achievements of microfinance back home

Margin users are farm workers, nurses, and entrepreneurs as well as investors. We fundamentally believe that former victims of payday lending should be part of the solution.

  • For users, we’re a community-oriented microlending bank

• We invest for social impact, servicing the individuals who need our help most

• We allow users to direct their own investments, empowering them with the data to do so

• We are more transparent than any other lender on the market

Traditional banks race against inflation, which raises interest rates and destroys incentives for everyday people to save money. MRG is a fixed-supply token that cannot be unilaterally devalued.

  • For institutions, we’re a collaborative data tool

• We are a site for user-specified data and insights

• We can access longitudinal and time-sensitive information

• We are collaborator-owned, so we’ll never give preferential treatment

Data storage, security, and validation become both more reliable and more efficient on a distributed network. We’re a DApp partnering with pioneering blockchain protocols and data brokers to produce the best data for our partners who need it.

A Decentralized App

Margin App
Margin App
Margin App
Margin App

The Margin DApp allows users to create a profile, obtain loans at competitive interest-rates as low as 0%, invest and contribute data for returns.

Whitepaper

To learn more about how Margin is poised to take on payday lenders, read our whitepaper.

Download Whitepaper

Roadmap

Twitter and Telegram go live

July 1

Complete seed funding round

September 30

Launch DApp prototype

January 2019
Roadmap

Website goes live

July 15

Launch MRG token

November 1

Full Launch

November 2019

Roadmap

Twitter and Telegram go live

July 1

Website goes live

July 15

Complete seed funding round

September 30

Launch MRG token

November 1

Launch DApp prototype

January 2019

Full Launch

November 2019

Margin Team

Larry Fulton

Larry Fulton |
Larry is a summer analyst at McKinsey and Co. who was exposed to blockchain early in his career through his research around fintechs in securities services. He is also a founding member of the Yale Blockchain Initiative, a participant in Global Digital Finance, and a researcher on emerging blockchain institutions under the advisory of the Studies in Grand Strategy program at Yale University. He is enthusiastic about blockchain’s potential to revolutionize traditional financial services for people on the margins of the traditional financial system.

Omar Zaki

Omar Zaki |
Omar serves as the CEO of BitTransfer, an ICO advisory group. He is also CEO and Chief Portfolio Manager of Armitage Capital, a hedge fund focused on investing in biotechnology companies. He is also a biologist researching the Golgi under the advisory James Rothman, attempting to elucidate the structural mechanisms behind intra-Golgi protein trafficking. He was an early investor in the crypto space and continues to remain passionate about it. He studied Physics and Economics at Yale University.

Owais Khan

Owais Khan |
Owais is a computer scientist at Yale University with research experience in social robotics, fin-tech solutions, bioinformatics, renewable energy, and genetic engineering. He is also cofounder of Moves, a real-time events information app that uses live reviews, a built-in social network that interfaces with Facebook, and native location services to provide meaningful insight to users. His interest and experience with blockchain lies in providing lasting financial tools to the unbanked.

Mohammad Karabatek

Mohammad Karabatek |
Born and raised in Damascus, Syria, Mohamed Karabatek is a development economist and statistician at the Yale Jackson Institute. Fluent in Arabic, English, and French, Mohamed has co-authored studies on food security and development using multivariate regression modeling and innovative statistical instruments, producing new insights for policy. His current studies are aimed at reconciling quantitative shortcomings in international development and aid distribution. In his free time, Mohammed cooks with Michelin-starred chefs and produces hip-hop music.

Alex Amin

Alex Amin |
Alexander Amin is an English MA candidate at Emory University currently investigating points of comparison and contradiction in the evolutions of the British legal system and the English literary tradition as independent bodies of ethics. He has previous experience in the medical industry, having worked as an EMT in the state of Georgia during his undergraduate career, and is passionate about finding methods to better deploy data to streamline the patient-care process.

Cameron Blumenthal

Cameron Blumenthal |
Cameron is a computer scientist at The Ohio State University studying aritificial intelligence and entrepreneurship. He has conducted research on the topics of neural networks, virtual reality, and acoustic spectroscopic imaging. Cameron has worked in patent law, financial analysis, and software development.

Alexandar Popov

Alexandar Popov |
Completing a Degree in Computer Science at Saint-Petersburg State University, Alexandar is an expert in back-end development. He has 6 years of experience with Node.js, Python, Flask, 4 years of experience with Django, and 3 years of working with React and Blockchain deployment. He has worked for Successkit.io as a backend python engineer, for SilverToken and OG Mobi as an Ethereum and Back-end Developer.

Jack Doherty

Jack Doherty
Jack Doherty is an operations advisor who assists startup teams with talent acquisition and growth strategies. He worked with data-driven political consulting firm Battleborn Strategies in its start-up phase and helped Pretium Partners, a startup private equity firm, expand their core real estate strategy through a $1 billion acquisition of an opportunistic credit platform. Day-to-day Jack works as the youngest credit associate in Pretium's credit opportunities team which specializes in sourcing, structuring, and managing high yield portfolios for institutional investors.