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AltCryptoGems x 8Lends AMA - $50 Giveaway at the end!
Recorded: Dec. 4, 2025 Duration: 0:47:57Space Recording
Short Summary
In a recent AMA, Ivan Marchena, COO of Ailens, discussed the launch of their crowdlending platform, emphasizing the importance of real-world assets in the evolving crypto landscape. The conversation highlighted trends towards sustainable investments, the significance of partnerships, and innovative fundraising strategies, marking a pivotal shift in the crypto market.
Full Transcription
Thank you. Thank you. Thank you. What's up everyone and welcome to yet another Crypto X Spaces hosted by me, Shu, aka Old Crypto Gems.
Now before we start I want to thank everyone for joining and give you guys a small reminder to drop the follow button.
And be sure to stick around until the end of the AMA to be able to ask some questions as well. Now as you guys probably know the reason for an Xspace is to get some more
information about a project and today we've got a project called 8Lens together with Ivan.
8Lens call themselves the most reliable way to earn in crypto which is a switch
regulated and built for stable transparent returns and we we're gonna ask Ivan some questions and see what it's all about.
So with us we've got Ivan Marchena, the COO of Aidlands,
who's gonna give us some information and is gonna answer some questions about the project.
First I'll be asking some questions myself that I've prepared
and once we've done those we've got some time to answer some questions coming from the community as well.
So be sure if you have any questions, leave them on a Twitter space post
or request to speak at the end and then we'll try to get you guys in.
Now, before we start with the actual questions,
be sure to drop the 8LensX page of follow as well.
And a quick reminder, at the end of this AMA,
we're going to give away 50 bucks to the most active listener.
So let's get started with the first questions.
I mean, welcome Ivan.
Good to have you here.
Perhaps it's good, you know, how are you doing?
Give the people a brief introduction unto yourself,
but also, you know, what's 8land?
Who are you and what are you guys doing?
Ivan, are you available? Just a minute guys
We're going to check what's happening with Ivan
As he can't really unmute himself
Give us a minute Ah, there we go.
Ivan is connecting, guys.
Give us a second and then we'll get on our way. Hello Ivan, good to have you in.
Could you check your microphone and see if you're able to speak?
Yeah, hi, can you hear me?
Yes, we can hear you loud and clear. Hello, my man.
Yeah, I'm so sorry, man. I have some technical issues.
Last time it's something happening with the X-Space.
Please Elon Musk help us because I cannot join from our official account.
So I will do it on my own.
Yeah, okay.
So then, yeah, I listened to your question.
Actually, I went to an exit, but I couldn't speak.
Nice.
Let me introduce myself.
Well, my name is Ivan Marcina.
I'm the Chief Communication Officer at Ailens.
We are a peer-to-peer Swiss crow lending platform.
So what we are basically doing is giving the opportunity
to retail investor to invest through the RWA
collateral investment, real businesses,
we can say it, right?
So we are bridging the Web2 and the Web3 world
through blockchain.
So this is basically what we do.
So then for you to have an idea,
you know that there are many projects and startups
in emerging markets like Euro, for example,
and they are needing some financing.
But as you know, the long queue for getting the credits
from the banks are quite long.
So they are coming to us to help them to onboard their projects
and the people who want to invest in real economy
so they can do it to us.
We give the security and the transparency
because the project that's come onboard with us,
they have to pass due diligence process.
We have a very strict process to onboard them.
So, yeah, basically what we're doing,
so people can start investing on those projects
as small as 50 USDC.
So we are working with the crypto,
with the USDC, basically is the Ethereum network, right?
So with the base layer.
So that's what we're doing if you want to resume.
I'm sorry if I get that.
I'm trying to just hit everything because since I was having a problem with the connection,
so I will try to do it more smoothly.
So then I'm just getting at that. I'm sorry go ahead no problem no problem Ivan it's
good to have you here and I mean technical issues like you said Elon Musk
please help us out these things happen but it's good to have you here now thanks
a lot for the introduction obviously during the AMA we're gonna go a bit more
deeper into you know a lens and how does this crowdlending work and what's the idea behind it.
And before we go there, maybe it's an interesting thing on sort of you're the CEO of the company.
Give us an introduction on how did you get started with crypto?
I mean, what's your story on crypto?
Did you invest by any luck or did you just go into crypto because you found the technical aspect interesting?
Give me a bit of information on how that sort of started.
And perhaps once you've done that, see if there's a way on how did eight
lens get started what's the what's the idea behind and why did they say okay we're going to create
eight lens because this and this and this oh man actually that's a good question because uh i think
that usually as everyone just got interested in crypto since we heard about the Bitcoin, right?
So in my experience, I was working...
Can you hear me?
Yeah, can you hear me? I'm speaking.
Hello, can you hear me?
Hello, guys. Can you hear me? Oh my god. Don't tell me there is a problem with internet
again. Please. Come on guys. I've heard something happen with the internet.
Are you there?
Are you here?
Hey, Ivan. Hi.
Yes.
Can you hear me?
Yes.
There's one thing. I am sort of hearing an echo for myself, so I'm not too sure. But I can you hear me? Yes. There's one thing.
I am sort of hearing an echo for myself, so I'm not too sure.
But I can hear you.
You know, I'm trying to connect from two devices.
So if something is not working with one, so the second one will help me to speak.
But I don't know if you can hear me right now because I was losing the connection I think
Yes, I am able to hear you now
Nice nice. I'm so sorry guys. I don't know what's going on today
so yeah, as I was telling you actually I
guess
Start with the crypto saving everyone dust like I do it because I saw the Bitcoin. So this is the most important. But being honest
with you, before I was doing some trading on the traditional markets, I'm talking about like 15
years ago, with something that is called Forex, you know it maybe. So that's how I started with investment. Then I saw the BTC when they are making the first bull run it has back in 2017.
And then since then, I started to pay more attention to the crypto world.
I started to get more knowledge.
I started to work with different segments of the crypto world.
And then I came with the aliens because I saw the team was doing something great.
Was doing not only, you know, like usually people come and invest on crypto because there
are many projects that promise you tokens with a thousand, for example, you will make a lot of money just by investing, right?
So I was a little bit tired about that, seeing that is happening that on the ecosystem, unfortunately.
And when I saw what Alens was doing, they were offering collateral with RWA, so the real world assets.
So then you can see that this is something tangible, you know, like you can predict actually how much money can you get profit through this investment than just waiting for a promise of X thousand through any token, right? So this is why I joined the A-Lens teams,
because we were having the same vision.
And these guys, they have experience,
because actually the main partner, it is my Clear AG.
This is a Swiss company on the Web2.
It's on the Switzerland jurisdiction,
so with everything regulated.
So it's quite cool because they are breaching
and they are transitioning from the Web2 to the Web3.
And that's what Ailens does,
because Ailens actually is the crypto arm,
if you can call that, of McClure.
So this is basically my story.
Yeah, nice one.
Very interesting.
And what I find very interesting is you mentioned this, I think, when we started,
is a big difference or a thing that Aidlands is doing, especially with RWA,
is having a real-world asset behind it.
So we're not talking about something here that's a bubble in the sky
or something that we can't really touch.'re talking about real um you know things behind it could you give
a bit of information because i i assume there are also some some people listening right now who have
no idea what rwa means or what the idea behind is um you know what does it actually mean and and
how can you guys use rwa um for your company so to speak
How can you guys use RWA for your company, so to speak?
Yeah, sure. No problem.
Well, look, RWA means real world assets, right?
So what happens?
Actually, what we do when any project tries to onboard us as a platform,
we check what they can give as a collateral, right? If they are getting the loan
through us in order to secure the investment of the people, right? So the RWA here plays
an important role because they can show that they have the, let's say real world assets could be real estate,
could be machinery, could be invoices,
could be something that is tangible
and it has a value on the real world.
What, that is why the name is real world assets.
They have a value, they exist in the real world.
They are not just some promises,
as I was telling before of like the tokens, right?
They are not just promises.
This is something tangible, something that you can predict.
You can see, you can see how is the demand on the market.
So you can see the valuation of it.
So that is why we work with it.
This is a collateral of any loan
that any company come and take from the aliens.
So this way we can warranty and give you more
consistency to the investment of the people, right?
So of course, okay, let's be honest,
any kind of investment take a risk, right?
But here you have a predictable risk, right?
So you know the company that you are going to invest to i mean the project
and you can check what they have as a collateral uh as i told you before it could be real estate
machinery equipment whatever and then you can see the valuation on the market and you can see how
easy to liquidate those active so this is um something that brings uh more confidence and trust to people who want to invest or people who are just starting on the investment on the world.
I mean, the crypto world, right?
So this is the transition from the Web 2 to the Web 3.
So basically, that's what we're doing with the RWA.
Yeah, very nice.
And I like the fact what you're saying is, let's say you want to lend some money or you need some money with you WA. Yeah, very nice. And I like the fact what you're saying is,
let's say you want to lend some money
or you need some money with you guys.
There's a lot of borrowing and lending
where you have some collateral and crypto, et cetera.
But in honesty, it's all pretty much the same
sort of money that we're moving around.
So I find it very interesting that you're saying
that you guys actually check, you know,
what real world assets do you have available
whenever things would go wrong? So, you know, what real world assets do you have available whenever things would go wrong?
So, you know, it's a very interesting part.
Now, the big question is obviously then it seems or it feels as if Web3 itself is also shifting from speculation to actually going to something real.
And with that, we're also taking away the 100x gambling that, you know, quite a few people did with meme coins and all the hype that was behind crypto.
But we're heading more towards, you know, real cash flow assets, but also revenue that companies are making revenue.
Why do you think that is? And sort of what's pushing those investors away, you think?
Well, actually, I'm thinking that the market is maturing, right?
thinking that the market is maturing, right?
So people, when they joined the crypto wave, they were looking for easy and fast profits.
But then people, when they start with the mink coins and with some projects that promised that,
they realized that actually it's not so good as they are telling to, right?
they realized that actually it's not so good as they are telling to, right?
So people at the beginning, they were starting to find profits faster,
but then they realized that there are high risks.
So you make invest, but it doesn't mean that you will get the profits, right?
So I think this is maturing.
That's why the wet tree is more, as you say in your question,
shifting from speculation to real economy infrastructure, because you can explain that
because the market needs survivable value. As you can see, after multiple cycles where price
appreciation did the heavy lifting, but I think that model broke under leverage.
So, and also because there is no regulation, if you can take a look to many of the projects on
the crypto world. So, it's difficult to trust on these days when you have seen already many,
many projects that they were promising big profits and sustainable business model.
Well, by their words, right?
Because they didn't have any something that they could show, actually.
So I think now builders and capital are more refocusing on the economic primitives, you know?
So I mean, on-chain ownership, automate cash flows,
composable liquidity, so things that actually power business and pay people,
you know, like the most important. So this maturity, I think it's like the, how to
say, is this speculative velocity still there, right? But it's been layered on top of the real economy rails.
So that's my take on that.
Yeah, very nice.
I agree with you on that.
And sort of a big sort of bold question to you towards that is,
do you think in general crypto could survive without having real assets behind the system?
Well, you know, like still, of course, could survive.
It will be because people there are a segment of people that is still they are.
How to say, you know, like risk.
They are a risk.
They are ready to take the risk. Right.
So if they don't see an infrastructure behind,
they will keep going on investment,
even if the risk is high,
because they like this kind of investment.
They like the speculation.
They like the aggressive investment.
They like to take that risk.
It's something like, you know,
like they are getting, you know, like they are getting,
you know, like when you're jumping with parachuting, you know what I mean? So there
are still a segment of people that will do that. So that is why I cannot say that won't survive.
Will survive, but I think the percentage will be less and less and less because the market is maturing and more people that understand
real economies, they already understand that they have to have something consolidate and something
to understandable for them. So I think this will be the more part of the percentage of investors.
So I think the 80% will go through the RWA
or something more sustainable.
And the 20%, they will still be on the market.
So you have people who like gambling,
who like casino, who like...
I don't want to offend anybody,
but there are people that like to do that.
So that is why I think the crypto still will survive,
but in that part, in a percentage.
Yeah, yeah, I agree.
And before we move over to our next question, a quick reminder for everyone that's listening.
At the end of this AMA, we're going to do a 50 bucks giveaway.
So be sure to follow my page, but also the Aidlands page to be able to win.
And if you guys have any questions, can leave them in the the post of
this ama now ivan um you're talking about you know real world assets it's it's important to see
you know a real cash flow or revenue behind it instead of just you know something in the air
crypto wise so do you have any tips or advice or any ideas on how could retail, but also businesses actually detect real cash flow instead of just, you know, a one or a next bubble disguised as a sort of yield ponzi?
Well, actually, I would say four things, right?
So, you know, like, OK, just let me tell you that there are things that actually are pushing away investors from these bubbles, from this gambling, yes, as we were talking about.
So I think the things that, why they come to it, because first they lost trust, you know, after the, you see the high profile collapse, like the FTX, for and and the and the ftx coin and there were the
terra case so there were many many um bad experience you know like uh so people lost trust on that
that's why they're getting away from that so then you see also lower marginal returns in pure token plays. So as I told you before, they are tokens who are offering that.
So as well, we can see that institutions and family offices,
they are demanding for a more predictable cash flow, you know,
and they are looking for a better tooling to tokenize real assets so
you can actually measure and monetize your future income.
So my, let's say my advice would be to risk adjust returns, right, in order to predict
your cash flow.
So just to take a look to projects that actually have a sustainable business
model, this is the first thing for sure that you have to take a look. Second thing is to
see the availability that they have or the disponibility to pay if something goes wrong.
So what are the mechanisms for the security investment this is actually like um
you have to use your homework right you have to check everything uh then if we start to speak
something more more um common is that you have to check who's behind the project take a look to the
to the profiles uh what they were doing before where did they come from, right? So in order to trust your investment to somebody,
at least you have to make a research and to see what they were doing before. So at the same time,
when you find the project, just check where it's registered, where the regulation comes from.
So I think these are most of the points that you have to be very strict
with yourself when you are going to take the decision to go through any investment.
Being honest with you, as I'm telling you, we already have checked all of this. You can take
a look. If you go to our website, you can check any project and you go through the details of the project.
You will see when it was registered, where is the register.
You have all the information, you have their performance, not only on this year,
but before the previous year, how they were performing.
So you can take a look at the collateral, you can take a look to the risk scoring they have,
take a look at the collateral, you can take a look to the risk scoring they have, the credit
history. So everything you can check. So it will be easier for any investor that they may get
like attract to any project on our platform to check everything. So this is the information.
We're giving all the information and that's it. So as i told you if if i resume my answer i will
tell you like you have to do your own research and check all these points yeah i mean it's good
to say it and and i agree with you that you always need to do your own research even if there's a
a platform or company or whatever that says this is a safe project or we've invested in this because
this and this still that doesn't mean that you should blindly
trust it and you know just buy it or go with it always your own research and i think eventually
you're going to learn from it as well right so if you keep on doing your own research eventually
you're going to get smarter at it and eventually you're going to get better at it and at a point
you're going to notice it yourself so i agree with you on that and it is good to hear that you guys
do such an extensive due diligence on projects as well. We're not just saying, okay, these guys are paying up and then that's it.
So kudos to that.
Now, maybe another bold question, but do you think RWA is the first truly mature income source in crypto?
Is it pretty much the first one actually making sure we're getting proper revenues and income in crypto?
you know proper revenues and income in crypto?
Well actually I think it's the first broke category right that convinced maps the established
cash yield business onto the blockchain at scale so as I was saying right because they also
I mean like they bring you treasuries, money market style products, the tokenized real estate, the receivables.
So I think it's more mature in the sense of predictable economic drivers.
But maturity still depends on the legal clarity and the custodial practice.
So this is my take on that.
This is my take on that.
Yeah, I mean, I think it's, it seems as if RWA at the beginning was more of a, I wouldn't say hype, but buzzword where people were using it for everything.
And now slowly and slowly people found out that even RWA, you know, there's a difference between real Rd way and and sort of you know having it as a
hybrid so i'm good glad to see more and more companies are doing that better and actually
talking about it um now another question i want to ask you is obviously this is all you know in
crypto and web3 but we're also talking about blockchain um it's one of the biggest things
obviously why crypto got so big we have a blockchain behind it. So what do you think the blockchain theory or the blockchain technology in itself actually give out to real businesses instead of just hype or saying, okay, it's a buzzword behind this and we're using blockchain?
What do you think you can actually give to real businesses?
Well, I feel like practical benefits, you know, like fractional funding.
So the I mean the new investors basis, because of course, a business needs a big amount of
money.
Right.
But here with the, for example, in our case, we're using the crow, the crowdfunding.
So people come in fraction can go and finance right so the blockchain permit you
that so then the blockchain has ways faster and a cheaper settlement than the traditional right
so then you have a programmable revenue sharing the improved provenance, I mean the supply chain. And then something very important that I would like to remark
is that you have the 24-7 secondary markets.
So this is a good actually way to generate more income from the businesses.
And as well, we are having, thanks to the blockchain,
an automated compliance hood.
So the on-chain KYC and emailing integrations, I mean, right?
So the ROI comes from the operational efficiency
and the new monetization, not from the token price itself.
Yeah, got it.
I mean, I think, I'm curious what you think of this is blockchain obviously you
know we had crypto we had bitcoin and then blockchain is behind bitcoin um and it feels
as if we all started with you know crypto bitcoin going against the traditional finance systems
um and now i see more and more people projects I mean literally so many companies in the world
right now are using blockchain I'm curious how you if you see this as well and you agree with me
where it's it started off with having bitcoin going against the financial system with blockchain
behind it and now it feels as if we're slowly going towards a more technical side with blockchain
where we're adding it onto you know know, shipping logistics companies, you name it,
instead of purely the monetization factor, if you know what I mean.
Do you agree with me on that or would you say, okay, I'm seeing something different here?
No, no, no, I totally agree with you because actually, let's be honest,
most of the people, they got interested in the crypto world because of the Bitcoin.
Bitcoin is the mother of all the crypto, because of the Bitcoin. Bitcoin is the mother of all the crypto,
I mean, the cryptocurrencies.
And, you know, like even the names,
when you speak about altcoins, alternative coins,
those are every coin that you may name
on a section of Bitcoin.
So Bitcoin has its own place,
its own place has,
and most of the people, as I told you,
and the businesses, they just come into this world thanks to the Bitcoin. So the Bitcoin was
who put the first step on this world and to help us to integrate everything and to
make it more and more unconsistible. And the blockchain was, that's why it was used now.
That's why it's evolution. I's why it's evolution i would call it
evolution thanks to bitcoin yeah yeah i agree i agree with you man and and let me um i've actually
got one more question for you prepared that i want to ask you um before we move over to a couple of
the community questions because i see quite a few people are are you know responding on the post and
are asking some questions um so in your opinion, and we're not talking about advice
or financial advice and always do your own research,
what do you think is going to become the new Web3 blue chip?
Would it, for example, be RWA, credit makers, on-chain lending?
What do you think is going to be the next one
that we all need to pay attention to?
Well, from my perspective,
I think that the winners will be the utility
plus the institutional trust combination.
I mean, that points to tokenized credit products
and the high-quality RWA pools.
As I was saying before,
treasurally-like like instruments tokenized money market products
and diversified real asset funds right so i think they could be the new blue chip infrastructure
because um unchain lending is properly color that that is properly collateral using as a collateral and integrating the RWAs will be a stronger contender, but
only with legal clarity and custody standards that already should be developed, that already
exist.
So I believe this, yeah, I will say that it will be more utility plus the institutional
trust.
That will be my answer.
Yeah, very good one.
I agree with you on that.
Thanks a lot for that.
For your information, Ivan, those were the questions that I had prepared that I wanted to ask you.
Now, I see, like I said, quite a few people from the commons and the community have asked some questions.
So if it's okay with you, I want to see what you say on a couple of these.
So I think these are going to be a bit
more about a lens itself so someone is asking how experienced is the team in fundraising in general
not just in crypto but also for example in the non-web3 um ecosystem
well actually as i was telling you uh aliens is the crypto arm of the McClure project, right?
So this is the team that is behind the McClure project are people who are already being on the on the peer to peer crowd lending business for more than 10 years of experience.
Actually, McClure is already operating three years without
no problem. Even I can say, just to see the transparency, that they had one project default
and they cover. You can even check all the information on the internet, go to the official channels and you will check out, they cover
all the payments for the investor.
So this is something, why I'm speaking about this?
Because, you know, usually when you're speaking about your project, you never say like there
is one mistake or whatever, right?
But I'm sorry, but because McClure,
something with my throat, okay.
Okay, yeah, I'm sorry.
No problem.
It's just like, like McClure, actually,
why I'm speaking about McClure?
Because it's the same team that A-Lens.
So they have already this experience,
and this is good for me to say about what happened
with this default in one
project because they cover all there is all the investors are happy satisfied there was no problem
they got their payment so this is something for me that is most important than saying
for this long time we didn't have any default but and being honest and say we have one default but
we know how to handle it so it's good to say that for a company that not only we are good on the good times, we are also good on the bad times.
So that's what I'm trying. This is the idea that I would like people to know.
So this is every information is open. You can take a look of that.
And yes, this is the experience that we have at A-Lens from McClure.
So we're operating and we're growing, growing, and even we are launching, already launched our token.
By the way, if you allow me, I just want to share some information.
Yeah, we launched a token, but look, in this token, it's not about, you cannot buy the token, okay?
This is the curiosity of our token that is pretty good.
It's a loyalty token.
It's a token that you can get through the investment you do.
So we give you that token and then you can sell it because we always will be buying that token. We will be rebuying the token. So you can
make some profit on that as well. So this is one of the new FINS innovation that we're giving.
We're giving token as a loyalty reward to our users. So we are not promising you like you buy
this token, you will make a lot of money, it's thousand. No, we are telling promising you like you buy this token, you will make a lot of money,
it's thousand. No, we are telling you, you cannot buy the token on the market.
You just can get it through investment in our projects as a reward and then you can sell it
and the company itself will rebuy it and you will make more profit from that.
So you may see that we are bringing innovation in this world.
And I know there are many projects that offer the peer-to-peer lending,
but I believe that we are, if not the first, we are the strongest one
and the more consolidated we are doing through crypto,
integrating the regulation from the traditional world
with the smart contracts and the transparency of the blockchain.
So we are bringing the best of both worlds from the Web 2 to the Web 3.
And this is something about that can give a picture to the audience,
the experience that we have and what we're doing.
Yeah, nice. Well, thank you.
Very clear answer and very yeah very well well said
as well and like you said the token good that you mention it so guys check it out eight lens if you
want to see what they're doing with the token and be sure to leave a follow on their their page
to stay updated now a couple questions left ivan this one is by a user called axiela who's asking
how do you pull in the pricing or valuation data for assets
using the platform and which Oracle providers do you rely on to avoid inaccurate feeds?
So actually, as I was saying before, our partner, which is preparing all the how to evaluate
the valuations of the collateral, right, of the projects we have in McLear, which have already
all the experience. So, and then, by the way, I have to mention them because it comes to the
question that our protocols are audited by CITR and Ciberscope. So, you may take a look to that
as well. So, you can see the transparency that we have.
But as I'm saying, we have all the expertise from the team of McLaren G,
so they are the guys who are doing the evaluation of everything.
By the way, I'm so sorry.
No problem.
Something with me, Troy.
By the way, I was taking a look as well as the comments.
And I see also somebody else, Tolga Ozzet, was asking the same thing, similar.
Same question.
The 40 points verification process lasts long to decide for projects.
Okay.
For a problem or a problem.
Okay.
Let's be honest, Guy.
Okay.
I'm totally honest with you. There are many projects that are trying to
pass the valuation and to get the approval, right? But 80%, even I can say 90% of the projects,
they disapprove. So let's be honest. It's quite difficult to pass our approval procedures.
As I told you, I cannot name the 40 points, but I will tell you the most important.
First, that actually the company business model is sustainable, right?
As I told you.
Second, I told you about the team who are behind, what are the plans, the map road.
Third, the collateral, what do you have? The real estate,
the equipment, the machinery, whatever. Four, our team should visit your business so we can take
a look on place. That procedure will do McClure. They will take a look so that everything is right.
Then they will check the registry, they will check all the documentation, they will take a look so that everything is right then they will check the race tree they
will check all the documentation they will verify everything so actually there are many of of those
uh as i say the due deletion process they will do but uh i cannot name all of them because i don't
know i don't know even myself i don't know all of them but i am naming you some of them so it's quite difficult to get the approval to onboard
the platform and this is the beautiful of this that we are doing our job you know and so people
they be more um secure about their investment so yeah that's what i want to say very nice um
now actually i have two more questions I find very interesting.
One is by a user called Java who says,
why did you choose BASE over other L2s and L1s,
like, for example, Solana or Polygon for the launch?
Well, actually, look, we choose BASE because,
first, the most strongest network, let's be honest, is Ethereum, right?
But Ethereum is quite expensive. because first, the most strongest network, let's be honest, is Ethereum, right?
But Ethereum is quite expensive.
The fees and the commission and everything.
So we choose base because it's still on a strong and solid infrastructure of network,
I mean Ethereum, but it's cheaper because it's another layer, right?
So that's why we choose base and it's more for for for the smart contracts and everything is more um let's say reliable then yes i know that solana
is popular but being honest with you and this is not the decision of the team it's my perception
they didn't choose solana because solana is more for MIM coins, you know, actually being honest.
So this is my perspective.
But if I'm talking to you officially, officially it's because Ethereum is the strongest network.
It exists in the blockchain and based because it's cheaper because, you know, Ethereum is expensive fees.
So that is why.
Yeah, I agree.
And like you said, Solana, let's be honest,
it's a very proper chain.
It's a very big one,
but mainly it's being used for meme coins.
So I agree with you that if you go to a chain like Solana
and you say, okay, we're going to build on this,
it feels very as if you're a meme coin, so to speak.
Now, final question before we choose our giveaway winner
and wrapping up this AMA,
is by a user called Whitney that says,
I keep front-running drops with a mobile app.
Are there any plans to add push notifications
five or ten minutes before a loan actually goes live?
Actually, we're working on that.
I'm telling you, the plan is to get everything running smoothly.
I cannot tell you if it's going to be and when, but we're working over that.
So we're improving our application, we're improving all our processes.
We will keep you informed through our official channels,
what we already done, what we will do.
So you can take a look to our official XHER profile or to the Telegram.
I will recommend all of you guys go to our official Telegram channel
because the information appears in every of our channel's officials,
but in Telegram, I think it's the first place where everything goes live, let's say.
Good one.
All right, you're here first, guys.
Now, a quick final one, Ivan,
because this question was quite fast.
What fees do you charge both to investors
and the borrowers?
And are there fixed fees, amount, percentages,
or is this dependent on loan risks?
Well, this is a good question, actually,
and it's very important.
We don't take any fee. We don't take any fee.
We don't charge any fee to investors
because your profit for us is something sacred.
You know, we don't charge you.
You got your money.
You're making your profit.
So that's okay.
At the end of the round, it is closed when they got the financing and it's the three percent
so this is uh our uh business model we can say how we we we make money right so but zero zero
but actually no hiding commission zero what does zero mean zero means for the investors and just the three percent
from the projects that are on boarded nice one nice one zero percent guys you're here for us
now and on that bombshell let's end it up um ivan um obviously thank you very much for the questions
and all the answers that you give him um so we have a giveaway that we said so my question to you is
do you have someone in mind or do you see a profile that you say okay that a very interesting
question who you think should be winning the 50 bucks um giveaway well actually uh
i like the question um of the guy who asked about the layer why you choose not Solana and why you choose
base because it was for me it was a good question yeah nice one that's a user
called Java for room car five is the handle let me DM you quickly and then
say hey to distribute your 50 bucks lovely now thanks I want to say guys
um leave a follow on my own page obviously and also the aid lens if you found this interesting
um Ivan thank you very much for all the answers and I'm very excited for what you guys are doing
I'm going to keep an eye on you and seeing you know how you guys are moving further check out
the tokens as well guys um yeah Ivan any other thing that you want to say
that we haven't talked about yet before we wrap it up just to say you thank you for having me
actually it was a pleasure i'm so sorry that the beginning we have some technical problem
problems but it happens so then we need to write some feedback to to elon musk okay i'll send him
the text yeah yeah but actually thank you very much all of you guys who
joined thanks for listening to us and and i hope you can take a visit to our uh our web page and
to our official group on telegram and remember smart invest smart invest secure invest with us
with aliens take care all of you yeah blessing you bye bye absolutely
absolutely guys you heard it first thanks ivan thanks aid lens and everyone else for tuning in catch you guys at the next ama as well and um have a great day everyone
