1. MUNA
The Block-chain based Lending Company

2. Problem
 Legacy infrastructure limits access to new technologies and
increases implementation and operative costs.
 Closed and rigid instruments reduce the number of
investment options, both for lender and borrowers.
 Limited access to multi-currencies investments that
translates into smaller markets.
 Reduced and expensive accountability.

3. Solution
 Lending Company based on low-cost block-chain technologies,
where:
INCREASED
PROFITABILITY
more and more flexible
investment tools
LENDERS BORROWERS
EASY
ACCESS TO
FUNDS
reduced fees, increased
offer of lending options

4. Market Validation
 Since 2008 big western banks have shrunk their balance-sheets by
trillions of dollars, but…
 …assets of non-financial financial intermediaries have increased
proportionally (the Economist)
 P2P finance platform enable small foundations with limited capacity to
identify investment opportunities that otherwise may be too costly to
search out (Community Investments).
 Big Banks feel threatened by peer to peer lending (Lending Memo)
 Cryptocurrencies will create a fifth protocol layer powering the next
generation of the Internet (TechCrunch/Jon Evans)
 The Blockchain can Be Used Inside the Banking Industry to Facilitate
a Lower Cost Payment Infrastructure for Financial Institutions and
Merchants (SmartMetric)

5. 0
Blockchain
based
Lending
Platforms
US$ 178 Billion
value of US Loans
to small
businesses
Source:sba.gov
176.6% 08-13
P2P Lending
US Growth
Source: IBISWorld
Market Size
US$71 Trillions
Shadow Lending
Source: The Economist

6. Product
Private Pools
Lending
Exchange
Portfolio
Investments
Negotiable Debt
Certificates
Microsecuritization
• B2B, P2P, B2P
• Multicurrencies
• Cryptocurrencies
• Easy-replication in
multiple markets
• Low-cost
implementation
• Full Self-service
Direct Lending

7. Business Model
We take an average 2.5% origination fee on each loan investment, plus
and average $7.95 fee per MUNA and Microsecurities(MS) transactions.
70,000
P2P Loans
10% market
Share
$300
$12,000 Avg.
Loan
$22.4M
AVERAGE
FEE
REVENUE
2015-2016
175,000
MS + MUNA
Transactions
$7.95
AVERAGE
FEE

8. Market Adoption
0% origination fee
campaign
1,000 Loans
For A-B Type Applicants
Preferred Fee
Credit Card Debt
Acquisition
20,000 Loans
For A-B Type Applicants
$0 transaction fee
campaign
5,000 transactions
For microsecurities
0% origination fee
campaign
Bitcoin Backed Loans
1,000 Loans
For A-B Type Applicants for
$0 transaction fee
campaign
20,000 transactions
MUNA Transactions

9. Competition
Expensive
Affordable
Less-Flexible More-flexible

10. Competitive Advantages
1st to Market
Muna is the first
financial transaction
network based on
block-chain
technologies that
allows the creation of
innovative investment
products traditionally
available only for big
financial companies
and bond markets.
Disruptively
Cheap
Muna fees can
average 10 time less
per transaction for
investors, making it
even more attractive
for frequent traders.
Financial
Innovation
Microsecuritization,
P2P Porfolios,
multicurrencies,
cryptocurrency
backed loans, p2p
private pools, are
some of the
innovative tools
product of financial
technology
innovation.

11. The Team
Boris Polania
Software Engineer,
Economist,
Entrepreneur
Armando Umerez
Electronic Engineer,
Marketing,
Entrepreneur
Francisco Egloff
Software Engineer,
Project Manager,
Entrepreneur
Daniel Kvedaras
Software Engineer,
Banking Consultant