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#Blockchain All projects

Creditor: Decentralized personal data marketplace

Blockchain-based ecosystem that creates a transparent exchange of data between provider and purchaser

stage Ended crowdsale

4.2 Rating

by 6 users


    • Employees8


    Later Creditor​team has joined the 1st Batch of Portugal based Startup Accelerator “Zero Gravity”, which is administered by leading European business school — The Nova School of Business and Economics. Creditor received a seed round of investment from NOVA SBE Venture Lab.

    Creditor is nominated as one of the best innovative companies in financial sector by Benzinga Fintech Awards.

    Last year Creditor​was nominated for “the best Ukrainian Fintech Startup” because of Ukrainian origins of a Founder.


    man Viktor Ihnatiuk

    Co-Founder and CEO

    Has 6 years of entrepreneurship experience. In his 23 years he achieved a lot: founded peer-2-peer lending platform uCredit that was acquired in 2016, was
    hired as a CEO of Boxdrive — one of the first companies that operates in decentralized cloud storage market. After he left this company, he established Creditor Platform and joined a development team in Storj Labs — one of the most famous blockchain companies worldwide that established decentralized cloud storage platform.

    man Yehor Butko

    Co-Founder and CTO

    Served as Tech Lead for Luxoft and Global Logic companies, associating him with companies within the financial sector, cybersecurity, and oil & gas industry. Yehor and Viktor started Creditor in March 2017. Later Yehor joined an external team of Storj Labs as a software developer.

    man Yaroslav Vorobiov

    VP of engineering

    Has an experience. Joined Creditor team in May 2017. Besides, currently he works for Storj Labs as a software developer together with the rest of the team. Yaroslav and Viktor know each other since they were classmates.

    man Nickolay Yurchenko


    Has 3 years of experience as freelance software developer. Certified specialist in JavaScript and C# programming languages. Joined the Creditor and
    storj.io teams as front-end developer in June 2017.

    man Eugene Reznik

    Product Designer

    Served as technical designer in mobile and ecommerce projects, later joined 4ire Labs blockchain development Lab that specialized on design and software development for blockchain projects. Joined Creditor team and served as a product designer for Storj Labs as well as other team members.


    man Zoltan Szalas

    Advising CMO

    Proven entrepreneur and product marketer with extensive experience in technology, marketing, and strategic partnerships. He is the Co-Founder &
    CMO of Croissant, a world’s leading digital coworking pass that operates in over 20 cities with over 10,000+ customers worldwide. He is also an avid crypto investor and the Founder of Zaruti, a savings account for cryptocurrencies.

    man Matt Schaffnit


    Is a proven leader and entrepreneur with more than a decade of experience in finance, technology and entrepreneurship. He is Co-Founder and COO of Lenditapp AG, a pioneer in loan origination technology with a white-labeled Customer Acquisition Management (CAM) platform. He was also Vice President of Finance at Annaly Capital Management, Inc., the largest mortgage Real Estate Investment Trust traded on the New York Stock Exchange (NYSE: NLY).


    Crowdsale details

    Distribution of tokens
    • Crowdsale (50%)
    • Team (18%)
    • Bounty (3%)
    • Advisory board (4%)
    • Creditor data platform (25%)
    Budget allocation
    • Product development (30%)
    • Marketing, PR (30%)
    • Sales (20%)
    • Managing & operational expenses (20%)
    Details Indicators
    Token Symbol CDPT
    Full Token Name CDPT token
    Pre-sale Start June 1st, 00:00 GMT+03:00
    Pre-sale End September 1st, 00:00 GMT+03:00
    Pre-crowdsale Start September 2nd, 00:00 GMT+03:00
    Pre-crowdsale End October 2nd, 00:00 GMT+03:00
    Crowdsale Start October 3rd, 00:00 GMT+03:00
    Crowdsale End Hard cap is reached or February 3rd, 00:00 GMT+03:00
    Crowdsale Hard Cap Fixed, $20000000
    Crowdsale Soft Cap Yes, $2000000
    Token type utility token
    Domain owner Individual

    Cost of the token

    1000 tokens for 0.044 eth

    Price without discounts


    ● Bonuses for Private Sale investors: +100%
    ● Bonuses for Public PreSale investors: +30%
    ● Bonus for big investors during Public TGE: +25% for 100+ ETH
    transactions (throughout public token generation event)
    ● Bonuses for all during Public TGE:
    a. First two weeks after the start of TGE: +15%;
    b. 3rd and 4th weeks of TGE: +12%;
    c. After the 4th week of TGE the bonus amount will decrease 1% every 24 hours until the end of TGE

    Bonus Dates Minimum purchase amount
    30% September 02 — October 02, 2018

    Accepted currency

    • Bitcoin
    • Bitcoin Cash
    • Ethereum
    • Ethereum Classic
    • Litecoin
    • Other

    Rate the project

    Estimate the project on a five-point scale or switch to the simple scale

    Five-point scale Simple scale

    Relevance of the problem and Market size

    1 2 3 4 5

    Product competitiveness

    1 2 3 4 5

    Founders, Team & Advisors

    1 2 3 4 5

    Budget allocation and roadmap

    1 2 3 4 5

    Token economy, Tokenization & Business model

    1 2 3 4 5

    Distribution & Lock up of tokens, Discounts for early buyers

    1 2 3 4 5

    Summary rate the project

    1 2 3 4 5

    Rate the project by other users

    Jordan Semanda July 24, 2018
    Rating of project


    Incentives are important in attracting early buyers and therefore they will bring in a number of investors to the project to take advantage of the bonuses being given out. This project is well documented and this shall guide the investors during investment.

    Risks and disadvantages

    The press associated with creditor is not reliable and will not deliver as expected. The social media platforms for example twitter do not have people engaged and interacting with the site because of this the desired awareness of the project to the masses will not be achieved.


    Securing a wie market and being ahead of competition should be focussed on so that the investors do not abandon the project after the funding process is ended.

    William Anderson July 15, 2018
    Rating of project


    With the currently provided traffic statistics it shows that there are a number of people interested in the project as shown in the direct outreach of the projects website, to investors this is an indicator that many people are interested in such a project because of its relevance. The security provisions put across shall enable purchase of genuine data that will assist the companies determine proper market trends.

    Risks and disadvantages

    Competition from already existent projects such as data wallet will be a hindering factor for the project to maximize it's market potential.


    A big percentage of the world population uses the internet over time and in the long run create data which they do not have control over by engaging this startup masses shall have control kvetch their own data and who they can give it to this widens the market base that is also a very important aspect for success.

    Denys Serhiichuk July 14, 2018
    Rating of project


    The project has 3 important components: experienced team-members, advisors and partners. Thus, documentation constituent is on the high level. Besides regular Whitepaper, there are PitchDesk and One Pager. There is also a chance for lending companies to check MVP. Lots of attention has been paid to marketing. Founder participate in different conferences and forums related to blockchain, where they promote Creditor.

    Risks and disadvantages

    18 % from all tokens are reserved for the team. That number is high, as there is a chance that token rate can be manipulated by the founders when it enters the market.


    I opt to think the project will have success, as it has a precise and strict plan for future. In addition, people can invest with lots of assets ( Ethereum, Bitcoin, Litecoin, Ethereum Classic and others ).

    Anne Bryn July 12, 2018
    Rating of project


    8 US financial companies already use the platform. Team's tokens will be engaged in 3 years vesting period. Token burning programme is planned, which may lead to creating of a token shortage.

    Risks and disadvantages

    Currently the activity on social media is very low. Probably publishing interesting video content is a solution. Token burning programme is not described in details.


    Team members are professionals, who have already worked together on successful projects. I think they know what a successful project should be like.

    James Young July 08, 2018
    Rating of project


    I like such type of projects and I have seen similar projects before, as this area is quite popular and requires a lot of knowledge and experience, along with the technical capabilities. I don't have any doubts about the project's future, the whitepaper is quite clear and well organised, there is also another documentation surrounding this project.

    Risks and disadvantages

    I have noted some gaps and invalid links (GitHub) and a majority of documents are just full of text, so from my personal point of view, I would bring in more visual staff, as it's much easier to understand the idea when you can imagine this using a visualisation.


    Comments: Good luck to the team and look forward to seeing this as a live solution, however, there is still a room for improvement on the promo materials side.

    Sofia Medda July 07, 2018
    Rating of project


    The Whitepaper is very detailed and informative, it contains examples, which help to understand the subject better. Verification system is designed not to let poor data to appear in the platform. The team informs that this innovative data filter has no equivalent on the market and it's a strong competitive advantage of the product.

    Risks and disadvantages

    The roadmap should be more detailed. For example "Listing on first exchanges" - what exchanges and how many?


    The product is well presented, it has competitive advantages. The project is well planned, it already has partners and users. I believe this team will succeed.

    See more reviews


    Frequently Asked Questions

    What is Creditor Data Platform?

    Creditor Data Platform is a decentralized personal data marketplace. Our goal is to make data processing and data exchange fair and accessible for everyone. We grant individuals an opportunity to receive a financial reward for the provision of their personal information. Businesses have a possibility to buy 100% authentic databases and run their company without any losses caused by poor data flow.

    Who Created Creditor Data Platform?

    Creditor.ai was created in March 2017 by Viktor Ihnatiuk and Yehor Butko. At first, the project was functioning as a marketplace for denied loan applications. But later, with the development of the world, technologies and international legislation, they decided to change the essence of a project and grant people with a fair data usage. That is how Creditor.ai evolved into Creditor Data Platform.
    Viktor Ihnatiuk , CEO of Creditor Data Platform is a fintech and crypto-enthusiast with considerable experience in Blockchain sphere. He was a CEO of such companies, as Boxdrive and Taplend. Besides being a CEO of a revolutionary data platform, he is a Manager Product Developer in Storj Labs, t ogether with all other team members of Creditor Data Platform.
    Yehor Butko, CTO of Creditor Data Platform, has a significant experience in development. He served as Tech Lead for Luxoft and Global Logic companies. Currently he is also a tech lead for Storj Labs Product Development.
    These two people are running a Platform, which is aimed to revolutionize Data Processing and Data Exchange. Strong leadership leads to strong results!

    Who Can Benefit From The Use Of Creditor Data Platform?

    Actually, everyone. The main purpose of Creditor Data Platform is to show, that EVERYBODY can enjoy data usage that we all deserve.
    Data Owners (e.g. each and every human on the planet) can sell their data directly to companies and receive a financial reward for it. What is more important, is that our Platform is GDPR-compliant and it allows people to allow or deny their data usage and track its movement.
    Data Buyers(e.g. companies, non-profits, marketing agencies, businesses, banks, healthcare institutions etc.) can buy AUTHENTIC databases of information with the direct consent of people. As a result, companies have no unexpected losses from poor data and they can enjoy legal and effective client acquisition.
    Data Verifiersare the people, who are in charge of Data Verification process. They receive payments for each and every piece of verified information.
    These two people are running a Platform, which is aimed to revolutionize Data Processing and Data Exchange. Strong leadership leads to strong results!

    What Are CDPT Tokens?

    Creditor Data Platform Token (CDPT) is a payment and remuneration unit of our Platform. Every user of the Platform, be it Data Verifier, Data Owner or Data Buyer, needs to have CDPT-tokens in order to make use of the Platform and receive all the benefits.

    Is Creditor Data Platform GDPR-compliant?

    Creditor Data Platform operates in full compliance with GDPR provisions. For more information, check our Privacy Policy.

    How It Works For Data Owners?

    Data Owner (e.g. you) can upload all information you wish to Creditor Data Platform app. You can add your name, surname, place of birth, insurance number, ID, passport, fitness trackers data etc. After information you uploaded was verified, you receive some amount of CDPT-tokens. When your data fits the needs of some Data Buyer, you receive a notification, that some company wants to buy and use your data. In accordance with GDPR provisions, you are able to allow or decline such data usage. When your data is bought by someone and you allowed it, you also receive a reward.

    How It Works For Data Buyers?

    Let’s imagine, that you are a company, which needs to acquire clients. You leave a request on our data marketplace with all requirements for a target group. People who fit your target group receive a proper notification and decide, whether to share their information with you or not. After database was collected, you receive it and can enjoy your authentic database with actual information for successful development of your business!

    How It Works For Data Verifiers?

    If you are a person, who has some strong experience in Data Processing/Data Verification, you can be a Data Verifier on our platform. For more detailed information about how to become a Data Verifier on Creditor Data Platform, contact us at [email protected]

    Do You Have An MVP?

    Sure. Creditor is operating for more than a year as a marketplace for rejected loan applications. Currently, 8 US financial institutions are our active clients. Check our MVP: https://lend.creditor.ai/?lang=en

    Do You Have An Active Token Sale?

    Currently, we are on a stage of Private Sale of CDPT-tokens. If you feel, that you want to invest to the future of data, contact us at [email protected] or press the button “Invest now” on the top of our page and join our whitelist.