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Merit will provide an individual, personally-controlled profile made up of factors that the users determine are reflective of their true and accurate credit worthiness, or their "Merit”.


The Merit service will create a decentralized system to provide the User’s identity and supporting data to third parties without revealing the User’s detailed personally identifiable information, such as a social security number. User data will be stored and shared through the blockchain and data blocks. The only User data stored in the blockchain will be the addresses to a User’s data store.

Data blocks will be encrypted, segmented, duplicated and distributed, throughout the peer-to-peer networks on individual computers in an IPFS, thereby reducing the risk of data loss, hacking and stealing.

The Merit Score will be a combination of parameters to assess the creditworthiness of a User.

The Merit Score will include the classic credit score and history, as well as, any financial profiles required to assess a more accurate and realistic creditworthiness (e.g., employment history, net worth, bank accounts, other loans, payment history, etc.). As more and more transactions are added to a User’s profile, their Merit Score will improve.

Merit will assign values to the overall data received and transactions completed in a User’s profile.

Merit will generate a score based on the User’s aggregate data. Unlike a classic credit score, data such as a notary verified birth certificate or a state issued and directly uploaded driver’s license, for example, will carry significant weight in developing a User’s Merit Score. Additionally, data such as utility bills, leases, student id’s, etc. can be factored in


Pre-sale start date 01 Jun 2018
Pre-sale end date 30 Jun 2018
Token Sale
ICO start date 01 Jul 2018
ICO end date 01 Aug 2018
ICO token supply 250,000,000
ICO Platform
Registration Country United States
Token details
Ticker MERIT
Type Utility-token
Additional Token Emission No
Accepted Currencies


Bonus Program
  • Private Sale 1,250,000 70%
  • Pre-Sale 28,750,000 30%
  • Round 1 55,000,000 20%
  • Round 2 55,000,000 15%
  • Round 3 55,000,000 10%
  • Round 4 55,000,000 5%
Token distribution
  • 22% Reserved
  • 15% Restricted
  • 13% Marketing
  • 50% Public
Funds allocation
  • 10% Sales & Marketing
  • 12% Ovehead
  • 13% Legal & Biz Dev
  • 7% Data Acquisition
  • 58% Development


Type of ratings
Hype score

Funding Rounds

Rating Review and Analytics

Investment rating Info NA
Hype score Info Low
Risk score Info NA
Merit ICO Contacts
More on ICO


Start ICO 01 Jul 2018
End ICO 01 Aug 2018
Price 1 MERIT = 0.4 USD
Product Type Service
Registration Country United States
Whitepaper View
Merit (MERIT) widget
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