pre-ITO funds distribution: Product development: 20k USD: blockchain-architect, teamlead. 40k: team from 3 devs and 2 QA for 3 months. 15k: project management. Marketing: 40k: prepayment for promotion partner for ITO international marketing campaign: 60k: content translation, publications, transfers, conferences, partners involvement. Lawyers: 25k for consulting and organisation registration. Financials: 150k: fund for investing in first p2p-loans inside the platform. 100k: mutual aid insurance fund. 50k: risk-management, endowment-fund for project development, bounties. Token distribution for the ITO period: 75% backers, 25% founders (1 year vesting). ITO funds distribution: 50% product development, 20% conservative endowment fund, 15% marketing and PR, 5% bounties for active community members, 5% founders, 1-year vesting, 5% lawyers.