Economy Of Trust
Peer to peer scoring and loans all over the world.
Any assets, interest rates and collateral.
Token Sale will start in:
Read more about the project
Economy Of Trust
Our Mission:
create global community
with high level of mutual trust
Create a powerful impulse
for entrepreneurship
Today SME's creating up to 90% working places among all private companies. Wherein, 90% of business-loans issued to large corporations. Karma solves the capital accessibility issue for SME.
Distribute capitals evenly
across the world
Some countries have deposit interest rates as small as -0.75% or 0.1%, and loan interest rates starting just from 1%.
More than 3 billion people live in countries
with loan interest rates as high as 20-30%.
Create opportunity for direct resources interchange
Karma is an ecosystem.
All participants work directly with each other.
People can create lots of different types of relationships, and can decide for themselves which ones are effective and which are not.
What Is Karma?
Global decentralized blockchain-platform,
where people and companies can interchange
directly to each other
We've managed our p2p-loans in offline mode for 5 years. Now we have a working blockchain Alpha.
Get a loan or allocate your money
Aplha version of the Karma App provides p2p-lending in two types of the loan:
1. Crypto-pawnshop. Get USD for BTC/ETH collateral.
2. SMEs zero collateral loans.
Try Alpha
Token Sale Terms

Target on crowdsale: $10,000,000
Soft cap: $5,000,000
Total token supply: 100,000,000 KRM
Token type: ERC20
Purchase methods accepted: BTC, ETH, USD

25% of tokens retained by Karma,
25% are incentives for the ecosystem members,
50% for sale.

50% discount until first 1M raised,
30% until 3M raised,
15% until 6M raised.

100% legal application tokens as a license.
KYC for every token buyer to comply AML and CTF.
Whitelisting until 26 November.
Token Sale Timeline
17 August
Early bird presale
Presale successfully finished.
500k USD raised.
27-28 November
White List Sale
Closed sale only for those who passed the KYC and got into the White List.
29 November
Open Sale
Open sale of,
if there will be any tokens left.
15 December
Token Distribution
We will send the tokens
directly to all participants.
100% Legal Token Sale
Even for US and China residents

Token sale contract will be an online-offer.
From legal side Karma tokens will be the software access license.
It can be sold, donated and even inherited.
People can buy tokens even for the USD legally.
Head Karma organisation will be non-profit.
Whole legal construction will be implemented before the token sale.
We will manage the KYC-procedures to meet the AML and CTF.

US and China residents can participate in token sale.
Only qualified US investors will be allowed.

Until the token sale started, all responsibility for the presale funds takes the London-registered Goodeast Consulting Ltd. (company number: 10596223). Presale funds are in the Multi-Sig wallet unlocked only by 3 of 4 signatures, 2 of them belongs to EU lawyers.

Karma team is publishing weekly reports on spending funds.
The Team
10−15 years of experience in finance and IT. Public persons, sharing the ideas with community, we value our reputation.
George Goognin
Founder, Evangelist
IT-career since 2002, first IT-startup made in 2008. Ex-Chief Operating Officer in ADV web-integrator, TOP3 in Russia. Clients: MOEX, VTB, X5 Retail. Co-founder of digital business school RIK (more than 1000 students completed the courses). 2013 to 2016 — large e-commerce automation (Apple, Samsung, LEGO, Nike). Ph.D in Economy Math Models.
Artem Laptev
Founder, Investment director
Since 2010 has managed private p2p-investment fund for SME.
Developed own scoring strategy with stable and positive results More than 10 years of experience in portfolio management in financial industry: Troika Dialog, Sberbank, Ancor Invest. International CFA-certified financial analyst.
Ronny Boesing
Partner, Denmark
Founder of the World's First Decentralized Fintech Exchange OpenLedger, CoinsBank and OBITS. Official partner to multiple funds and exchanges in China. With his partner, Dan Larimer, Ronny is constantly developing the Graphene/BitShares ecosystem. Open Ledger is also a significant player at the global ICO promotion market.
Michael Shlemov
UBS, Executive Director of the analytics department. More than10 years of experience in finance. At Deutsche Bank managed the VTB IPO. In 2008 took part in the MOEX IPO. Has been recognized several times in a row as the best industry expert in Russia (Institutional Investor). Ranked among the TOP-3 analysts in financial sector by Extel Russia.
Dan Svinarchuk
fintech advisor
MOEX IT-infrastructure architect. Designed the core of the MOEX trading system, managed dev team. High-load expert: MOEX core supports 140,000 transactions per second.
Alakanani Itireleng
Partner in Africa
PR Director at Humaniq. Runs SatoshiCentre, a blockchain hub in Africa, launching educational programs for children. Her journey with bitcoin started at 2012, and she is an international bitcoin influencer, having spoken at conferences in Amsterdam, South Africa, and Cote D'ivore.
Rustem Zubairov
Consulting partner
Deloitte hits BIG4 for a decades. Rustem is a department director, took part in project of crypto-currencies legalization in Kazakhstan.
Rustam Vakhitov
Law partner, Netherlands
Department Director at International Tax Assosiates. Lives and works in Netherlands for 12 years. Expert in international law and taxes. Member of the international IFA Association.
Alex Chinyaev
Business partner, UK
UK Karma partner. Worked at Citi bank, RBC, PWC London. More than 15 years of investments and financial operations experience. Alex have UK Investment Management IMC certificate.
Philip Agyei Asare
Partner in Ghana, Africa
Philip played a key role in the development of bitcoin awareness in Africa. He created several blockchain projects: Pak Universal Services, Dream Bitcoin Foundation and BTC Ghana. Philip is a libertarian, he wants to empower Ghana and Africa in general, by spreading the usage of the blockchain technology.
Dima Schnellereich
blockchain advisor
Expert in b2b-sales, marketing, and partnership networks. Business lobbyist. Has brought more than 20 startups to the market since 2012. Ex-advisor in President Putin's Administration.
Thierno Madiou Bah
Partner in Sierra Leone, Africa
Telecommunications engineer, young entrepreneur, passionate about blockchain technology. Co-founder of Sierra Leone Bitcoin Network-SLBNet and founder of OnlinePromo an online marketing platform for African SMEs.
Tarlan Kornilov
Law partner, Cyprus
Founder of the Elite Consulting law company. Specialisation: capital hedging, international financial deals, organisation of international corporate collaboration. Has an LLM Cambridge University degree, Strategic Negotiations Yale School of Management certificate.
Yuri Myshinsky
Fund Relationships Executive
Ex Director of the Government Development Corporation of the Chuvash Republic. Expertised in fundraising dozens of millions of dollars for the infrastructure, financial and IT-projects. 15 years of experience in Business Consulting, fintech, fund and government relationships.
Evgeny Boev
GR partner
Executive manager at the Russian Union of Industrialists and Entrepreneurs committee on International Partnership. 6 years at Central Bank of Russia, illegal money traffic monitoring. More than a 10 years of GR experience in project finance and public communications.

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© Karma DAO, 2017

Fund spending responsibility:
Goodeast Consulting Ltd.
company number: 10596223
Suite 1, 5 Percy Street, Fitzrovia, London, United Kingdom, W1T 1DG

Photo by: Nathaniel Tetteh

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