通讯周刊
数字化ABCs |发行平台概况之Bitbond （BB1）
摘要：该发行商的主要职能是使用诸如比特币Bitcoin或Stellar Lumens等加密货币向不同的企业和个人发放贷款。
Project Overview 平台概述
The main function of the issuer is granting loans using cryptocurrencies, like Bitcoin or Stellar Lumens, to different enterprises and people.This happens through Bitbond’s Bitbond GmbH brokerage platform where they host potential borrowers complete with the loan amounts and conditions, including interest rate and term of the loan.
该发行商的主要职能是使用诸如比特币Bitcoin或Stellar Lumens等加密货币向不同的企业和个人发放贷款。贷款操作经由Bitbond旗下的Bitbond GmbH 经纪业务平台完成，该平台可向潜在借贷人托管确定贷款金额和包括利率、期限在内的贷款条件。
Sector 所属行业
Cryptocurrency Lending 加密货币借贷
Issuance Jurisdiction发行管辖权
● Federal Financial Supervisory Authority (BaFin), Germany
德国联邦金融监管局(BaFin)
● Approved securities prospectus according to EU Prospectus Regulation: https://www.bitbondsto.com/files/bitbond-sto-prospectus-de.pdf
符合欧盟招股说明书规定批准https://www.bitbondsto.com/files/bitbond-sto-prospectus-de.pdf
Key Milestones 企业大事记
● 2013: Bitbond was founded and is based in Berlin, Germany
2013年，Bitbond成立于德国柏林
● January, 2019: Pioneered financial markets with Germany’s first Security Token Offering (STO) by receiving BaFin approval for a tokenized bond in January 2019. Hard-cap: €100M
2019年1月，Bitbond的数字债券获得BaFin批准成为德国首支发行的证券型通证（Security Token Offering (STO)），Bitbond也因而成为了业内先锋。硬顶（项目方从首次币发行中获得的最大金额）：1亿欧元
Technology 技术采用
● Stellar Blockchain Stellar区块链
Stellar is an open-source and decentralized protocol for digital currency to fiat money transfers which promotes interoperability by allowing for cross-border transactions between all currencies The Stellar protocol is supported by a 501(c)3 nonprofit, the Stellar Development Foundation.
Stellar是一个旨在将数字货币转换成法币的去中心化开源协议，通过允许所有货币间的跨境交易增进了互操作性。该协议由一家501(c)3的非营利组织Stellar发展基金会（the Stellar Development Foundation）提供技术支持。
The Stellar network utilizes its own digital currency called the lumen which is required in small amounts to initialize accounts and conduct transactions.
在该区块链中开户和启动交易时需要用到少量其自有的 lumen货币。
● The Wallet 钱包
The investor must use a wallet that is compatible with Stellar Lumens Assets. If BB1-Tokens are transferred to an incompatible wallet, the case is often that the investor loses access and the ability to dispose of the BB1 Tokens, resulting in a complete loss of the investment.
投资者必须使用与Stellar Lumens资产兼容的钱包。若BB1代币被转移到不兼容的钱包中，则投资者往往会失去访问及处置BB1代币的权限，从而导致投资的全面损失。
Financial Traction (EUR) 财务状况/ 欧元计
● Overall traded volume (BB1) :262,903 USD
总成交金额(BB1): 262903美元
● Over 3,000 loans have been funded on the platform 平台累计融资3000余笔
● €13M+: worth of SME loans funded in over 80 countries
1300万欧元以上:完成80多个国家的中小企业贷款
Total Capital Raised from STO and Valuation 通过STO募资总额及估值
1、Funded: $2,300,000 USD
募得资金：$2,300,000 美元
2、Accepts: EUR, XLM, BTC, ETH
募资币种：EUR, XLM, BTC, ETH
3 、Bond type: corporate bond.
债券类型：公司债券
4、Seniority: subordinated unsecured debt
资历:次级无抵押债务
5 、Industry: Finance
所属行业：金融业
6 、Issued on: July 1, 2019.
发行日期：2019年7月1日
7、Maturity: July 1,2029.
发行期限：2029年7月1日
8 、Fixed coupon: 4.00% p.a. (frequency: quarterly, first coupon date: October 1, 2019).
固定息票: 每年4.00% (频率:季度，首批票券日期：2019年10月1日)
9 、Floating coupon: 60% of the pre-tax profit of Bitbond Finance (frequency: annually).
浮动息票：Bitbond Finance税前利润的60％（频率：每年）
10、Par value: €1.00
面值： €1.00
11 、 ISIN: DE000A2TR7Q2.
12 、 ITIN: 8WR5-AKBG-X.
All coupons and the repayment of BB1 are EUR denominated and paid in XLM to holders of BB1 at the time of a payment due date.
BB1的所有息票和还款均以欧元计价，并于到期日以XLM形式支付给BB1的持有人
Investor Profile投资人信息
Total €5 Million raised in Equity Investment 股权投资共筹集500万欧元
● Point Nine Capital (THE ANGEL VC) Point Nine Capital（天使投资VC）
Point Nine is an early-stage Venture Capital firm from Berlin, and has invested in companies like Delivery Hero, Revolut and Zendesk, to name a few.
Point Nine是一家位于柏林的初创风投公司，曾投资过Delivery Hero、Revolut和Zendesk等企业。
● Sky Level Group (GROUP OF INVESTORS) （投资集团）
Sky Level is a group of experienced and serial investors who have invested in companies like Moilike.
Sky Level是由一群经验丰富的连续投资人构成的投资公司，曾投资过Moilike等企业。
● Nelson Holzner (CO-FOUNDER, BILLPAY) BILLPAY联合创始人
● Christian Vollmann(ANGEL INVESTOR) 天使投资人
● Alexander Graubner-Müller (CO-FOUNDER, KREDITECH) KREDITECH联合创始人
Team 团队成员
● Radoslav Albrecht (FOUNDER & CEO) （创始人 & 首席执行官）
Radoslav is the founder & CEO of Bitbond. He is often a featured speaker at financial innovation and financial inclusion conferences. Prior to Bitbond, he worked for Roland Berger Strategy Consultants and advised restructuring and post-merger integrations for financial services providers across Europe and Western Africa. Prior to that Radoslav was with Deutsche Bank London.
Radoslav是Bitbond的创始人兼首席执行官，常在金融创新和普惠金融主题会议上发表专题演说。在创办Bitbond之前，他曾就职于罗兰贝格战略咨询公司（Roland Berger Strategy Consultants），为欧洲和西非的金融服务提供商们提供重组及合并后的整合建议。在此之前，Radoslav还曾供职于德意志银行伦敦分行。
● Jarek Nowotka (CTO)首席技术官
Jarek has spent an extensive amount of time building products powered by web, mobile, augmented reality, and blockchain, with a focus on UX.
Jarek专注于用户体验，在构建基于web、移动、增强现实和区块链的产品方面拥有丰富的经验。
● Michael Pinkus（CFO) 首席财务官
Michael specializes in banking and credit products. He was a Managing Director at German IKB and a lawyer for Hengeler Mueller and KPMG.
Michael擅长银行业和信贷产品领域，曾任德国产业投资银行(IKB)董事总经理、德国恒乐律师事务所（Hengeler Mueller）和毕马威(KPMG)律师。
References 参考文献
1. “Bitbond (STO) - Security Token Overview.” STOscope, stoscope.com/sto/bitbond.
2. Bitbond|STO. Apr. 2019, www.bitbondsto.com/files/bitbond-sto-lightpaper.pdf.
3. “Germany's First Security Token Offering.” Bitbond STO, www.bitbondsto.com/?a=DNUGZO.
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