On a mission to re-invent the world of finance!

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No barrier, low cost financing

Security Token Offering (STO)

Revolutionizing the capital market by tokenizing shares and creating a stock market for small and medium sized companies.

Our Customers

How does Liqwith work?

1
We perform a legal and financial scan of your business
2
If required, our lawyers propose changes to your company structure
3
We tokenize the shares and offer them to the public
4
We onboard and administer the investors
5
We offer additional marketing services for successfully introducing your security token offering

Our Team

Herman Vissia

Co-Founder & CTO

Herman Vissia works with the various departments and scientists from the Belarusian State University Minsk (BSU), and is a member of the High-tech Park in Minsk. In 2012, Vissia became the first westerner completing his Ph.D. thesis at the BSU named, ‘Models, Algorithms and the technology for decision making intellectualization based on subject collections’. Vissia is pioneering technology for the Semantic Web, is performing research in the field of cryptography, and gives lectures on cryptocurrencies and blockchain technology.

Roel Wolfert

Co-founder & CCO

Roel Wolfert is a senior executive in the FinTech world and a serial entrepreneur, with positions at VGRIP, Transtrack, BEAM, KICKICO and Bancor. He has more than 20 years of experience in the world of global finance and payments having worked on key industry initiatives including SEPA, CLS, Contactless, Cryptocurrency and ICO’s. Roel has an MA in Economics from Maastricht University, and an Executive degree in Innovation from the Haas School of Business at UC Berkeley.

Rob Verheul

Co-founder & CEO

Rob Verheul is an active member of the financial industry since graduation from Maastricht University (Business Economics) in 1996. He is experienced in both the retail banking industry as well as Institutional Asset Management. Rob held several senior executive positions, including a 5 year statutory board membership of ACTIAM (55+ bn AuM). Currently, he is COO of Blanco Services (Dutch FinTech company), and is a strategy consultant for several securities services providers, banks, and investment funds.

Liqwith Solutions

Revolutionizing the lending market for companies by tokenizing shares and creating a stock market for small and medium sized companies.

Since the financial crisis in 2008, banks have been reducing loans to SME’s and start-ups significantly. Although governments have pushed banks to make more liquidity available for lending it has been difficult for companies to get a loan. Alternatives like crowd funding and venture capital have been growing significantly in the last 10 years. However crowd funding might reduce bureaucracy it still requires down payment and interest rates from the first month of lending. A venture capitalist might not charge for interest and require down payments from the beginning, it does bring a variety of other obligations to the company and the entrepreneur especially. Most companies will require separate financial reporting on monthly basis; have an advisor on the board and sometimes even demand changes in management, structure or other areas. This all feels like limitations to the entrepreneur while it is the entrepreneur that is taking most of the financial risks?

Recently we have seen crypto currency rising as an alternative currency/investment vehicle and this has raised the interest of many consumers, to get a share of the increasing wealth in this world, which is often not distributed equally.

So the two problems at hand are; how do entrepreneurs get easier access to cheaper liquidity to realise their business plans and how do we protect consumers more in the world crypto currency?

What is the solution?

The new proposition offered by Liqwith solves the current issues for entrepreneurs to get easier access to cheaper liquidity as well as those for consumer security in the world crypto investments.

The concept: Through the Liqwith.io service any small or medium sized enterprise (SME), start-up or scale-up can tokenize its shares in a crypto currency and bring it to the public market. It can then raise capital in the market from private investors in a security token offering (STO). The company will raise the desired liquidity and will only have to dividend when the invests are paying off, and it can buy back the tokens against market prices when it has the means available. In this way, every 12 months, EUR 5 million can be raised under Dutch law. For consumers, this means they buy real shares in real companies, to which they would never have had access otherwise. They can invest small amounts and get voting rights and dividend rights if the desire to have this. Just as in the regular stock market the company is obliged to report properly and timely on its progress an results.

Why does this matter?

For companies it’s a significant cost saving compared to lending, and it avoids the risk of long lead-times to find venture capital and eliminates the risk of one intrusive venture capitalist that takes too much control and eliminates the entrepreneurial strength.

For consumers this is an solid and secure investment in crypto, because they actually receive the right to shares in a company. Identical to investing in the stock market.

What else?

Trading company shares will be so much easier and cheaper. Lead times for a share transaction will be reduced from 35 days to 3 minutes. The cost per such transaction will be reduced from 1500 euro to 15 euro cents.

What about compliance?

Yes. A security token offering (STO) is compliant to existing regulations in NL. Proper KYC checking is done and when people trade between wallets this will be handled through a custodian. The Liqwith.io technology interfaces with the relevant KYC, Custodian platforms to make this happen.

What do we offer?

Our complete offering consists out of legal advise, technology to tokenize the shares and maintain the administration. On top of that we develop a marketing platform that helps you to attract the right audience for your business. Furthermore we make sure that all is compliant and tradable on an exchange.

Where did we do it before?

Liqwith’s first actual client was Byelex, which is the IT company of one of the Liqwith shareholders. “Eat your own dog food”, right? Liqwith organised the STO for this company successfully, realising huge cost savings and proving the low barrier possibilities to attract funding. Currently Liqwith is scaling to help dozens of companies to do an STO.

Network

Crypto Delta launches new initiative for capital markets innovation

3 April 2019

Een uniek samenwerkingscollectief, bestaande uit innovatieve fintech spelers en partijen met jarenlange ervaring in de kapitaalmarkten, lanceert vandaag Crypto Delta. De stichting is een Nederlands initiatief van Allen & Overy, KAS BANK, Public Policy Agency, LaGro Geelkerken Advocaten, Business Creation en fintech bedrijven Liqwith en Chaintip.

Future of Capital Markets

20 August 2018

This position paper is the work of more than a year of research and discussion between Liqwith and Chaintip. The result? A proposal for a new ecosystem in the financial world. Our goal is to bring together new technologies and traditional financial parties in the Netherlands.

Podcast

31 May 2018

Our IPCO story (Initial Public Coin Offering) at BNR during the Cryptocast of thursday 31th of may. We had the opportunity to promote this technique to our first customers and to tell something more about ByeleX, The Next Innovation Company. Listen the Podcast (in dutch)