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#Blockchain, #Finance All projects

INLOCK: Income Locker Lending Platform

A platform that enables cryptocurrency holders to manage short-term liquidity problems by taking a loan

stage Ended crowdsale


  • Employees22


man Csaba Csabai

Co-founder, CEO

Csaba is a crypto and blockchain evangelist. He is an independent crypto currency related blogger and a well-respected member of the crypto-community. He spent the last 10 years in the second largest Bank group in the world: KBC.

man Peter Gergő

Co-founder, CMO

Peter joined the crypto space with persistent research & enthusiasm, he quickly gained considerable knowledge about this amazing new tech called Blockchain.

man Benedict Bánáthy


Benedict is a communication, marketing and business strategy expert with a special focus on the emerging blockchain and crypto sector.

man dr. György Cseh


György Cseh is seasoned asset manager with 20+ years of experience. He had senior management positions and responsibilities in the field of finance, investment and asset management.

man Peter Tamas Turcsan


Tamas is a Serial Entrepreneur, Innovator, Business Developer, International mentor, Startup consultant, Visioner, Communication and Media expert, Crowdfunding specialist, Social Innovator.


man Mate Tokay

Business Advisor

Mate is the COO of Bitcoin.com. He is an entrepreneur at heart. Mate first heard about Bitcoin in late 2012 and began bitcoin mining in mid-2013 using custom-built ASIC miners. Later he founded the Bitcoin news and review website called Bitcoinist.com.

man David Sabo

Token Advisor

David has been building technology companies since 2012 across Europe from Budapest to London. He gained his experience in tokenisation as former Head of Global of Cofound.it.

man Zsolt Gilányi

Monetary Theory Expert

Zsolt is an academic expert specialised in monetary theory. He received his Ph.D. in Economy from Corvinus University of Budapest and from Université Paris-Est.

man Antal Károlyi

Token Architect

Business angel and entrepreneur. Antal supports Inlock with quantitative modelling as co-founder of Symbol Network.

man Norbert Radoki

Media Advisor

Norbert Radoki supports Inlock with his extended SN and media experience. He is the CEO of Bitcoinist.com one of the leading news site in the crypto industry and he’s in love with cryptocurrencies and graphic design.

Crowdsale details

Distribution of tokens
  • Crowdsale (75%)
  • ADVISORS (10%)
  • CORE TEAM (10%)
  • MARKETING (5%)
Budget allocation
  • MARKETING (8%)
  • LEGAL (8%)
  • OVERHEAD (2%)
Details Indicators
Token Symbol ILK
Full Token Name ILK Token
Crowdsale Start September 15th, 00:00 GMT+03:00
Crowdsale End Hard cap is reached or October 12th, 00:00 GMT+03:00
Crowdsale Hard Cap Fixed, $27500000
Crowdsale Soft Cap Yes, $15000000
Domain owner Individual

Cost of the token

1 token for 0.01 $

Price without discounts


Bonus Dates Minimum purchase amount
17% September 15 — 21, 2018
12% September 22 — 28, 2018
9% September 29 — October 05, 2018
2% October 06 — 12, 2018

Accepted currency

  • Bitcoin
  • Bitcoin Cash
  • Ethereum
  • Litecoin
  • Other

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Frequently Asked Questions

Why is it beneficial for me to get a loan in exchange for my cryptocurrency?

The main problem when it comes to cryptocurrencies is, if I sell my cryptocurrency today, that is a final transaction and a taxable event in many countries. Moreover, if I spend it, or exchange it, I lose all potential gains forever. So instead of spending it, it is more beneficial to get a loan – in order to finance my temporary liquidity problem using my cryptocurrency as collateral. This way I am free to choose to get back my cryptocurrency back in full in the event of a significant price increase.

What are the guarantees of the buy-back option?

Every parameter of every loan are locked in token based smart contracts, and these smart contracts are written on INLOCK’s independent blockchain. Thanks to blockchain technology, this data is traceable, verifiable and impossible to manipulate. This also guarantees that the lender will be able to get its cryptocurrency upon repaying the loan at any time.

Which country's citizens can access Income Locker services?

Only the countries listed on the FATF blacklist are excluded from our system by default. This list exists since 2000 and its purpose is to fight global money laundering and terrorism. In addition to this restriction every client must respect their own country’s regulations.

What kind of authentication is necessary, and how long does it take?

In accordance with global anti-terrorism and anti-money laundering regulations, all customers must be verified by their government issued photo ID prior to using any of our services. This typically takes a few hours to complete, depending on the workload of our KYC partner. Upon completing the registration, customers can also setup 2-factor authentication for additional security.

What are the official channels of INLOCK?

The official website address of Income Locker is www.inlock.io
If you have any questions, we are happy to answer them here.
Official twitter: twitter.com/inlock_token
Telegram: join
Facebook: visit
Linkedin company page: visit

Is there any minimum limit on deposit, and what is the maximum loan limit?

The intervals for allowed cryptocurrencies to be used as collateral:
BTC: 0.05 -50
ETH: 0.5 – 500
LTC: 2 – 2000
BCH: 0.3 – 400

We reserve the right to change these intervals, and we will notify all customers accordingly.

What technology do you use? Why is the network based on blockhcain?

Loan contracts are made directly between the two parties. INLOCK only serves as an intermediary to ensure that all parameters of the smart-contracts are stored on our independent blockchain in a way that is impossible to manipulate. All terms included in such a contract are probative so the legality of a credit agreement between the parties is unquestionable.

Can INLOCK services be accesses through a mobile platform too?

Yes, of course! All of our services will be supported on mobile platforms as well.

What is the purpose of your ILK token? Do you have a schedule for the token sale?

Tokens acquired during the initial token sale or purchased directly from our platform are an integral part of the INLOCK ecosystem. For each loan transaction, every loan applicant needs to buy a sufficient amount of tokens. More information regarding the token sale and its scheduling will be available through our official channels.

How can I buy tokens?

During the token sale, or later directly from the INLOCK platform.
We will publish a full token purchase guide soon.

Are the tokens transferable?

The tokens are freely transferable after the token sale and the customers will be able to trade them in our internal exchange. Furthermore, ILK tokens can also be stored in any ERC-20 supporting wallet.

What is the development plan for the future?

Our whitepaper contains our roadmap, and it is available on the website as well.

What are the pre-requirements to be able to finance loans?

In accordance with domestic and international regulations, INLOCK’s creditors may only be holders of licenses to grant credit. Commercial lending is not allowed for private individuals, according to Hungarian law currently in force, and in this respect, the MNB’s position is clear.