Hola mis amigos!
I am a sucker for graphics that are cute, cool and clarifying. I like straight-forward mission statements. I enjoy simplicity and fun, especially when they go along with each other. In the era of things that start with ”i”, iBanker manages to tick most of my to-do lists as well as having a catchy name.
To start with, iBanker is a uniquely well-secured website with its Comodo RSA Extended Validation Secure Server certificate that is valid until February 17, 2017. The domain was registered on December 10, 2015 and expires on December 10, 2018. As far as websites are concerned, it seems like long-term commitment. It makes sense since, as the mission statement claims, ”to attract the necessary investment from private investors In the period up to 2019, to expand its presence in the market of online microlending to 8-10% of all microloans issued in the territory of the Russian Federation”.
The supposed longevity of the webpage is in no way transplanted into the speed with which it operates. Despite the cuteness of the graphics, which is sometimes an issue, the website works really quickly. What’s even more important, it’s truly easy to browse the content. Within nine subpages iBanker manages to give you all the information you may require. The articles are rather on the shorter side, which seems to be the trend nowadays, but if you need more you can go to the youtube videos to get acquainted with iBanker’s offer. When it comes to the company behind iBanker, there are three certificates displayed on the website, but since they are in Russian, that’s all I can say about them. What I do know is that the headquarters are in London, while the partner operates from Khanty-Mansiysk, Russia.
The website works in Russian or English. The weird thing is that some details appear in Russian, while others are thoroughly translated. Signing in takes seconds, you do not need to give them any really personal details; your e-mail and login will do. Once you’re in, you may go as either an Investor or a Borrower. To become a Borrower, you have to be Russian with a passport and over 21, and you need to go through bank-like verification, the difference being that Skype is of use here. Loans are granted for the period of 3 days to a month. If you don’t know how much money you want or need, go to the handy calculator on your ”Get a loan” page. Beware that parts of it are in Russian, but it’s understandable since it’s for Russian audiences only. Investors have the easier way of just giving out the money, at least $10 and as much as $10,000. Investors have to say goodbye with their original deposit for 12 months and the yield is 1% a day of the deposit, including the principal. The currency is seen in Russian ruble or dollars.
Right about now, you should be asking yourself: but what does iBanker actually do? You ask, and I provide! According to the website itself, it is a ”P2P lending platform, where investors give out micro loans, and the borrower receives money quickly and without any hassles”. Microloans are usually connected with Muhammad Yunus, but he has nothing to do with this service. It does work in a kind of similar way, though. Investors contribute money, it is accumulated and ”transferred to MFI partner” and it is the partner that distributes microloans while the interests/profit is returned daily to the investors. It does not matter where you come from, iBanker works all around the world. Money is money, right? The interest rate on loans in up to 4% a day for 365 days, including the principal. As an Investor, you may withdraw your money for 3% fee with Payeer, Okpay, Advacach and NixMoney, or PerfectMoney.
If you are not feeling the Investor or Borrower vibe, you can also go with the 4-level affiliate program which pays up to 20%, but you have to accumulate at least $10 to withdraw it. If you think big, you can also become iBanker Franchise Owner and ”earn from $10 000 per month” for ”only $1000 per year”. To do so, you need to call iBanker and talk about the details (+44 (203) 808-9356). Speaking of contacting iBanker, it’s pretty easy in general. If you are online for more than a couple of seconds, a live chat will pop up, gently asking you for questions. If that’s not enough for you, you can call them (+44 (203) 808-9356, +7 (495) 204-3557) Monday to Friday, 7 am to 8 pm, Moscow time (GMT +4). You can also make use of Skype (i.banker1), e-mail (firstname.lastname@example.org), a ticket system (https://yabankir.com/en/contacts/) or any of the social media pages they have (vk.com, ok.ru, Facebook, youtube). There are also conferences, webinars and newsletters for the hardcore users.
Simplicity? Check! Fun? Check! Easy-to-remember name? Check! Clarifying graphics and videos? Check! iBanker's good with my to-do lists and I don't even have to go shopping!