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#Blockchain All projects

SmartPesa Credible: Blockchain for sharing of business credit data

The global distributed ledger to store business identity, self-declared attributes, and transactional statistics on the blockchain

stage Ended crowdsale

3.7 Rating

by 5 users


    • Employees18


    man Barry Levett

    CEO & Co-founder SmartPesa

    FinTech entrepreneur with specialisation in development of innovative payment and financial inclusion solutions for emerging markets. Grew the business into 5 markets across the globe.

    Background in finance and early stage technology startups with specialisation in business development, strategy, venture capital and deal making. Experience ranges from tech startups to large multinationals in Asia, Europe and Africa. Long time investor in equities, bonds and dervivates. Crypto trader since 2016.

    Industries: Technology, PE/VC, Investment Banking, Resources
    Key Skill Sets: Entrepreneurship, Investment Management, Deal Making, Trading
    Regional Experience: Asia, Europe & Africa

    Cat Williams- Treloar

    Chief Marketing Officer

    Thorsten Neumann

    CTO & Co-Founder

    Shlomi Podgaetz

    Business Development

    Phuc Nguyen

    Cryptography & Blockchain Engineer

    Trung Nguyen

    Backend & Blockchain Engineer

    Shaik Ashiq

    Android & iOS Engineer

    Malvin Sutanto

    Senior SDK Engineer

    Jun Azuelo

    Operations Manager

    Huỳnh Thái Tâm

    Senior Developer

    Hoang Anh Vu

    Payment & Cryptography Specialist

    Jovin Tay

    Head Of Engagement


    man Matteo Chiampo


    CGAP Consultant, SUSS Fellow, Travelkhana
    Passionate about ideating, starting and growing ventures that solve complex operational problems at the interface between online and offline world.

    Matteo brings to market products and services to solve real pain points. He admires true technologists who make innovation happen, and he like to keep myself abreast of the latest trends.

    man Ville Öhman


    Cryptocurrency Fund Manager, Blockchain Technologies
    Co-founder and Fund Manager of the Cryptocurrency Balanced Large Cap Fund SP. CBLC is the first Fund globally to launch with top tier service providers for audit, banking, custody, administration, tax advice, cyber security, insurance and legal compliance. Fund Management team is licensed by the Monetary Authority of Singapore and the Fund is regulated by the Cayman Islands Monetary Authority

    man Fabio Nehme


    Entrepreneurial Business Leader, Investment

    man Ali Hussein Kassim


    C-Level Executive, Financial Inclusion advocate, FinTech
    C-Level Executive engaged in technology, passionate about learning, financial inclusion and FinTech. Focused on the opportunities in Africa. Holds board level appointments in both For-Profit and Not-For-Profit organisations. Mentors young Techpreneurs around the Tech Start Up belt in Nairobi, Kenya - #OffNgongRoad.

    man Roy Lai


    CEO and Co-Founder, InfoCorp and SentinelChain
    Roy is a seasoned senior executive, with investment banking, foreign exchange trading and inter-bank payment subject matter expertise. A natural innovator in financial technologies, he is instrumental in the real-time payment network across 14 Singapore banks. Founded SentinelChain ($SENC) to create a blockchain-based international marketplace for cross-border financial services and the world’s first platform to accept the use of livestock as collateral.

    Crowdsale details

    Distribution of tokens
    • Crowdsale (50%)
    • Treasury/ Liquidity (20%)
    • Early Backers (10%)
    • Staff (9%)
    • Community Development (4%)
    • Partners (7%)
    Budget allocation
    • Operations (30%)
    • Technology, R&D (30%)
    • Merchant Acquisitions (15%)
    • Infrastructure & Hardware (10%)
    • Markening (10%)
    • Legal & Compliance (5%)
    Details Indicators
    Token Symbol PESA
    Full Token Name PESA Token
    Pre-crowdsale Start August 15th, 00:00 GMT+03:00
    Pre-crowdsale End August 30th, 00:00 GMT+03:00
    Crowdsale Start September 15th, 00:00 GMT+03:00
    Crowdsale End Hard cap is reached or October 15th, 00:00 GMT+03:00
    Crowdsale Hard Cap Fixed, $18500000
    Crowdsale Soft Cap Yes, $5000000
    Domain owner Individual

    Cost of the token

    1 token for 0.09 $

    Price without discounts


    Bonus Dates Minimum purchase amount
    20% August 15 — 30, 2018
    Bonus Dates Minimum purchase amount
    10% September 15 — October 15, 2018

    Accepted currency

    • Bitcoin
    • Ethereum
    • 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

    James Young August 12, 2018
    Rating of project


    The idea looks very impressive and advantageous, furthermore, I trust this is a very relevant and effective project. Team members obviously experienced, so I convinced in the project success. Github repository looks very well done, up to date and organised. From my point of view, this is an ideal credibility check solution. Another benefit is that the team already has set up nodes along with a live demo website where you can familiarise yourself with the service. Tokens and budget allocations look very smart and reasonable.

    Risks and disadvantages

    I don't have any major concerns about this project, only look forward to seeing the production solution.


    I can only confirm that this will be an exciting solution, considering the current level of the organisation and technology background both of the team and project. Good luck.

    Anne Bryn August 05, 2018
    Rating of project


    The total supply of tokens is fixed and the number of tokens will be never increased. The project has partners and participates in international events.

    Risks and disadvantages

    I think there are ways for the startup to attract more followers to its social networks accounts considering there are real partners, users and clients.


    An interesting and iformative video presentation showing that this service is really better than other ones is the thing which would allow to attract more attention to the project.

    Sofia Medda August 02, 2018
    Rating of project


    The project is in its 5th year of operations, there are over 8000 merchants in five countries. Formal certifications with many international organizations are completed.

    Risks and disadvantages

    I think there should be more information about how the project will benefit having 5 years of successful experience. Certain achievements are presented, but there is no detailed information about how every of those achievements will help to meet new goals.


    I think the project should also present the information about desirable achievements which would be considered as a success, for example: the amount of users and the reasons why this amount will grow, what will be done to drive the demand for tokens.

    Denys Serhiichuk August 02, 2018
    Rating of project


    The team consists of experienced founders, advisors, and partners.Besides Whitepaper, there is also One Pager, where the basic features are outlined. Analyzing crowdsale details, people can invest with Bitcoin, Ethereum and other ways of payments.

    Risks and disadvantages

    There is no MVP releases yet. In addition the Roadmap could be detailed ( some dates should be also specified ). Despite the fact, that there are enough social networks, they are not active enough. For example, Bitcointalk has only 2 pages from June 27. In order to read Whitepaper, there should be a preliminary registration. It is not available for public.


    As a whole, the overall idea is not clear for me till the end. There is no difference between this project and other alternatives, which already exist on the market.

    William Anderson August 01, 2018
    Rating of project


    In this current erra the need for credit is necessary for the success of many business therefor this gives this project the ultimate chance to secure a wide market share that will make getting profits possible. The team has intense knowledge about the field and line of business they are getting involved in.

    Risks and disadvantages

    Delays in implementing the designed road map tasks will be a hindering factor and also increases the cost of impleting the action plan due to the fact that allot of uncertainty is related with the crypto currency industry as a whole


    This a project worth of investing in not because it is the best but it has promising signs to be very beneficial to those that will engage with it.



    What is SmartPesa Credible?

    SmartPesa Credible is permissioned secure blockchain network built by SmartPesa specifically for SME credit data in emerging markets, looking to disrupt the incumbent credit bureaus and inefficient loan processes.

    How is the Token Sale priced and settled?

    Tokens are priced in USD and payment can be made in ETH or BTC. The exchange rate is dynamically determined at the time of placing the order on our Token Sale website. There is no subsequent adjustment for changes in the value of ETH or BTC.

    The Use of Tokens?

    All payments for data creation, validation and accessing of data SmartPesa Credible blockchain is settled in PESA tokens (“Tokens”). For example, payment for access to Merchant data is settled in Tokens Merchants while Merchants can use Tokens Data Origination and Validation services. Merchants can also pledge Tokens as collateral or sell using the SmartPesa CryptoATM

    How can I participate in the Token sale?

    Interested token purchasers can participate in the Token Sale through this website by clicking on the Token Sale button on this page and completing the registration and KYC steps. Terms and conditions apply.


    SmartPesa existed prior to Token Sale?

    Yes, SmartPesa is a FinTech that is in its 5th year of operations during which time, we built a great team, solid product and deployed in 5 countries with banks and acquirers.

    Has SmartPesa worked with blockchain?

    SmartPesa started following blockchain in early 2017. We did research and development on cryptocurrency payments, and filed a patent (with iPOS). Our team is familiar with nodes, confirmations, wallets and the underlying cryptography.

    What benefit is the backing of SmartPesa?

    We are a business with long contracts, real banks, real users, hundreds of thousands of transactions monthly and real revenues. This gives credibility to the team backing Credible with experience to roll-out and operational experience.

    Why is SmartPesa adopting blockchain?

    SmartPesa Credible is bigger than us. We have the right team and the data to kick it off but want all financial institutions to participate. This distributed data gathering, verification and consumption model lends itself to Blockchain.


    How will Tokens be used for Credible?

    Tokens are used for all payments on the blockchain including data creation, validation and consumption. The total supply is fixed and any unsold tokens will be burnt. Even as the data on the blockchain grows in size, the number of Tokens will never increase.

    What is the token model?

    Tokens are used by requestors to buy data. On data request, the token is transferred to the data owner who can hold it, hord it, or sell it. While the pricing is dynamic, requestors will be acquiring tokens for their purchasing of credit data

    Can Tokens be used for other purposes?

    Yes. SmartPesa will facilitate escrowing of Tokens for purposes of loan collateral. SmartPesa will put the Tokens as the preferred cryptocurrency in its own Apps on both CryptoPay and CryptoATM.

    Merchants will hold tokens?

    Yes, their incentive is to montetize their data. Businesses and merchants will receive tokens and use for verification, or sell them. This brings supply and demand on both sides ot the transaction.

    Token Sale

    Is the Token Sale automated?

    Yes, the Token Sale is run through an online portal tracking the available tokens for sale, the exchange rates of accepted investment currencies, and the transactions of each purchaser.

    When does the Token Sale start?

    The Token Sale has started. We are working with stratic purchasers on the support and backing of the Credible blockchain. Dates for pre-sale and a public crowdsale will be announced in due course.

    Are there different sales stages?

    We want to keep it simple. No frills or desperate sales tactics. Early token purchasers in pre-sale assist our project to reach our softcap, and we require a certain minimum commitment for these placements.

    When will tokens be unlocked?

    While SmartPesa makes no guarantees at this stage, our efforts will be to release tokens within 10 days from end of public sale. Since we have prototypes and MVP, the token should be put in the hands of token purchasers and merchants


    Are you GDPR compliant?

    Yes. We were fully aware of the 25 May deadline. All our call to actions, signups and online forms are GDPR compliant with discloures and checkboxes for voluntary subscription to future communication.

    Are there restricted countries?

    Yes, we have to abide by the local and international laws of the respective regulations promulgated under the MAS Act, United Nations Act, and the Terrorism (Suppression of Financing) Act.