Alchemy is one of the first security token that is trying to tokenize debts through CDOs.

Our main management team members are based in New York City. We have our technical members that are based in Boston and Taiwan. Also our advisors have their footprints in Asia, Europe, and Northern America.

Peer to Peer Lending does not directly remove the middleman, Alchemy itself is a intermediary platform. What we removed is the bank itself that is costly, inefficient, and time consuming.

The 4% Orginate Fee of the loan, and 1% Transaction fee from both lenders and borrowers.

The goal for this ICO is to tokenize debts through CDO. The function of the token is to let you own a piece of the CDO that we are going to tokenize it. The purpose of doing this ICO is to fund the company in order to achieve the white paper.

Since this is a security token. We might not be able to list on major exchanges, but we are currently talking to some new security token exchange centers that are going live soon including tZero and Bancor.

Is 1000 Alchemy = 1ETH

Since we are based on ERC-20, we prefer ETH. However, we accept Bitcoin and Fiat Money (USD) as well. No other currencies or cryptocurrencies are acceptable at this point.

You will be able to participate and start the KYC/AML process by pressing the “Join Pre-ICO” button on our website.

The only country that we do not take contributions are from North Korea. No accredited investor restrictions on US Citizens. All non-accredited investor contributions will fall under REG A + Exemptions with the SEC.

You definitely can, as long as you pass through the KYC and AML screening process.

No because we are security tokens. It will create some legal issues if we are airdropping.

We recommend you go on coinbase or Binance those major exchange centers to check the price. Currently ETH is valued at $1200 per coin (1/12/2018)

The amount we are selling is 50M of Alchemy token, in exchange for 60M USD. 50M is 40% of total supply, so the total supply is 125M. (ETH was $1,200 at that point when we wrote the white paper)

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Yes

From section 2(a)(1) of the securities act of 1933 The term “security” means any note, stock, treasury stock, security future, security-based swap, bond, debenture, evidence of indebtedness, certificate of interest or participation in any profit-sharing agreement, collateral-trust certificate, preorganization certificate or subscription, transferable share, investment contract, voting-trust certificate, certificate of deposit for a security, fractional undivided interest in oil, gas, or other mineral rights, any put, call, straddle, option, or privilege on any security, certificate of deposit, or group or index of securities (including any interest therein or based on the value thereof), or any put, call, straddle, option, or privilege entered into on a national securities exchange relating to foreign currency, or, in general, any interest or instrument commonly known as a “security”, or any certificate of interest or participation in, temporary or interim certificate for, receipt for, guarantee of, or warrant or right to subscribe to or purchase, any of the foregoing. Since CDO (Collateralized Debt Obligations) falls under the security definition.Since we are tokenizing CDO, we also fall under the definition of being a Security.

A CDO (collateralized debt obligation) is nothing more than a redistribution of credit risk. Are a type of structured credit product in the world of asset-backed securities. The purpose of these products is to create tiered cash flows from mortgages and other debt obligations that ultimately make the entire cost of lending cheaper for the aggregate economy. This happens when the original money lenders give out loans based on loan requirements. The idea is that if they can break up the pool of debt repayments into streams of investments with different cash flows, there will be a larger group of investors buying in.

Buy purchasing our token, you are owning a piece of the CDO that we are creating for you. Unlike traditional CDOs, there is no level or “tranches” inside our CDO, therefore, everyone is owning the same piece of the CDO. Is like owning the same piece of a cheesecake. The only difference is that if you purchase more token from us, you are owing a much more bigger slice of the cheesecake.

Since there is no tranches or levels inside our CDO, you are getting the average coupon payment (interests payment) from all different risk levels of bonds or loans.

Yes, answered above. Also you earn money by seeing the price of token going up. Basically our tokens are like stocks.

The origination fee and transaction fee do not go into the CDO.

Yes, both non and accredited investors can use the service. All the loans will be consider as "notes", the way we do it is to file these "notes" to the SEC by doing S-1 filing that falls under REG A + exemptions.Token holders are investors, which is separated from “Lenders”. To become a part of our lender network, please go onto alchemyfinance.com and register as a lender.