Crowdfunding refers to the act of raising funds from non-designated people on the Internet by a collection of individual proprietorship enterprises or individuals for the purpose of raising funds for their business, without going through financial institutions.
Crowdfunding is divided into donation type, credit type, compensation type, equity investment type, etc. according to different investment forms and purposes. The donation type is a type that does not take compensation as a prerequisite but only for the purpose of donation. The credit type provides funds to individuals or individual operators through Internet microfinance for the purpose of collecting interest.
Equity investment crowdfunding is like venture capital companies, in which funds are given to emerging companies and small capital entrepreneurs in the form of investment, with the purpose of obtaining income from shares equivalent to the investment amount.
Although crowdfunding is developing rapidly in scale, some people have raised concerns that its content is developing in the wrong direction. Entities that provide donation-type crowdfunding services are also providing credit-type crowdfunding services, and their interest rates are higher than the country’s normal interest rates.
In fact, crowdfunding was indeed modified too much, and it has broken away from the way Grameen Bank used to be. Even in crowdfunding, it is difficult to expect microfinance of unsecured low-interest financing.
Due to public offering regulations or investor regulations in the current law, there are various problems with equity investment crowdfunding. For example, we have a strict evaluation system for personal credit, but corporate credit information is difficult to know. This forces investors to bear the risks of the invested company. It is almost impossible for investors to judge the risks of invested companies and screen them.
HSF (Hillstone Finance) token is the only investment method for individual investors to invest in IAP. IAP protocol (Investors Application Protocol) is a contract under which individual investors can use Hillstone tokens to make investments that are not restricted by capital or geography.
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