Early birds have a chance to grab bonuses up to 40% during the pre-sale period.

FEBRUARY 19, 2018 – Peer-to-Peer (P2P) lending is gaining momentum worldwide especially in Asia Pacific, Americas and Europe.

However, looking at the current limitations in the P2P lending landscape, one may conclude that there is no single platform that will be able to bring personal financing worldwide, has a fair global rate for borrowers, safety nets to protect lenders and a compensation fund.

All that is about to change with iP2PGlobal Personal Financing Platform (iP2PGlobal).

The problems in the current P2P lending landscape include borrowers and lenders being limited to the same country and not worldwide as well as financing details and payments are managed by a platform provider rather than an open visible platform.

With the latest technology advancement in smart contracts development and the high security and transparency of de- centralised network due to blockchain technology, iP2PGlobal has been formed to cut through red tapes and time to reach a far wider market as well as improve the distribution of capital on a single worldwide platform.

“After conducting meticulous research to study the current P2P lending landscape, we have identified several gaps in it that we strongly believe should be addressed to make personal financing accessible to all.

“This pressed to us the importance in creating iP2PGlobal to fill the void and to create a single platform that would be a game changer in personal financing,” said James Loy, iP2PGlobal Management Team’s Chief Executive Officer.

Another unique highlight of iP2PGlobal is that the financing products offered are based on Sharia principles.

Although sharia financing products are sought after by Muslims, non-Muslims will also be attracted to what the platform has to offer.

Sharia finance principles are closely related to ethical values of fairness, equality and morality in finance, which resonates with everyone, no matter their religion and creed.


The TWQ (Tawarruq) is an ERC20 token that confer the right to the token holder to submit an application for a personal financing based on a Commodity Tawarruq Trading program, through the iP2PGlobal platform and have it listed in the platform for prospective lenders to view and choose to finance.

The TWQ Token is a pure utility token and does or will not provide any other rights and functions to its holders.

Some 10TWQs are needed to apply for a personal financing of up to 5ETH.

A larger financing amount will need more TWQs to be submitted.

If the token holder fully repay the financing, the TWQ tokens will be returned to holders for future financing applications.


iP2PGlobal Personal Financing Platform is offering a total 155,000,000 TWQ tokens for subscription for its pre-ICO, starting from 19th February, 2018 (OO:OO UTC) to 15th April, 2018  (23:59 UTC).

The pre-ICO will be done in five stages at different periods as shown in a table below (Refer to TWQ PRE-ICO AND ICO TIMETABLE below).

Meanwhile, the ICO crowdsale starts on 16th April, 2018 (00:00 UTC) and ends on 30th April, 2018 (23:59 UTC).

The price being offered for the tokens is 0.0002 ETH for 1 TWQ during pre-ICO and ICO crowdsales.

To sweeten the deal further, large purchase bonus for individual subscriptions above 50ETH will be entitled to a 10% additional TWQ tokens.

Loy said the team is confident in reaching the targeted hard cap of 47,000 ETH of the ICO.

This is attributed to the unique nature of financial products the platform will offer and that iP2PGlobal will be the first platform to offer financing products offered based on sharia principles, built upon blockchain technology.

“We are positive that this will appeal to the general public who can appreciate that we provide a strong alternative to the current traditional personal financing landscape,” he said.

Stage Date Maximum amount of TWQ for subscription Bonus
Pre-ICO 1 19 February to 4 March 2018 31,000,000 30%
Pre-ICO 2 5 March to 18 March 2018 31,000,000 25%
Pre-ICO 3 19 March to 1 April 2018 31,000,000 20%
Pre-ICO 4 2 April to 8 April 2018 31,000,000 15%
Pre-ICO 5 9 April to 15 April 2018 31,000,000 10%
ICO 16 April to 30 April 2018


31,000,000 0



iP2PGlobal brings together best practices of traditional banks and the world of cryptocurrency into one peer-to-peer (P2P) financing platform. It connects borrowers and lenders from across the globe on a single platform in a trusted, fast and easy manner. This is powered by its newly introduced utility token, TWQ, which is based on Ethereum’s ERC-20 Smart Contract Platform. iP2PGlobal is the solution in Re-Shaping Personal Financing.

For more information on TWQ and iP2PGlobal, visit

For media enquiries, email Ms Mei Wong at [email protected].

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