Our Pre-Sale is now live - Join the Rate3 ICO >
Rate3
Payment Without Borders
A decentralised protocol for cross border payments and credit scoring powered by Stellar and Ethereum
Pre-sale NOW LiVE - 20% Bonus
Presale Bonus : 20%
Days
Hours
Min
Sec
Private Sale 224M RTE
LeekICO Sale 80M RTE
Pre-Sale 96M RTE
 % RTE Tokens Sold 
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Get our latest prototype -
AVAILABLE ON DESKTOP CHROME
Our Pre-Sale is now live - Join the Rate3 ICO >
Rate3
Payment Without Borders
A decentralised dual protocol for cross-border payment and credit scoring powered by Stellar and Ethereum
Presale Bonus : 20%
Days
Hours
Min
Sec
Private Sale 224M RTE
LeekICO Sale 80M RTE
Pre-Sale 96M RTE
 % RTE Tokens Sold 
Pre-sale NOW LiVE - 20% Bonus
Get our latest prototypeGet our latest prototype -
AVAILABLE ON DESKTOP CHROME
Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.
Problem
Cross-border payments is unnecessarily complicated and expensive today.
It is difficult to establish credit history and access credit.
MISSION
We are building a new decentralised infrastructure for cross-border payment and credit.  This new infrastructure will unlock the world of global commerce to all.
What is Rate3 Dual Protocol?
Cross-Border Payment Protocol Powered by Stellar 
For Consumers: Spend on any merchant globally with complete ease of mind. What you see is exactly what you get: mid-market exchange rates, no additional transaction fees and instant cashback.

For Merchants: Accept both fiat and crypto payments with one simple integration, no additional processing fees and no chargeback risks. Now you can focus on what truly matters: growing your business.
Credit Scoring Protocol Powered by Ethereum
Decentralised, alternative credit scoring system for a transnational world, based on Proof-of-Transactions, Identity & Attestation

For Borrowers: Full control and transparency over your credit score. Align your incentives - enjoy lower loan rates when you submit documents to verify yourself more.

For Lenders: Gain access to a new global pool of borrowers. Enjoy greater certainty and better performing loans.
Cross-Border Payment powered by Stellar 
For Consumers: Spend on any merchant globally with complete ease of mind. What you see is exactly what you get: mid-market exchange rates, no additional transaction fees and instant cashback. 

For Merchants: Accept both fiat and crypto payments with one simple integration, no additional processing fees and no chargeback risks. Now you can focus on what truly matters: growing your business.
E-commerce Credit Scoring
powered by Ethereum
Decentralised, alternative credit scoring system for a transnational world, based on Proof-of-Transactions, Identity & Attestation

For Borrowers: Full control and transparency over your credit score. What you give is what you get - enjoy lower loan rates when you submit documents.

For Lenders: Gain access to a new global pool of borrowers. Enjoy greater certainty and better performing loans.
E-commerce Credit Scoring Empowered by Ethereum
Our credit score protocol provides e-commerce participants
access to capital for consumer and business financing
How Rate3 Dual Protocol Works
The Rate3 Dual Protocol provides a tokenized protocol layer that utilizes transaction history and data , ultimately serving as verifiable and undisputed agreements. A multitude of credit marketplaces can build on this protocol layer in the future.
What can we build?
Application Layer
This enables millions of truly decentralised apps that require access to efficient payment systems and a decentralised credit score
Platform Layer
On this protocol layer, other platforms such as credit and data marketplaces can be integrated or built
Protocol Layer
The Rate3 Dual Protocol allows for decentralised cross-border payment and credit scoring
Real use cases
Offline Payments
Transaction costs are high and money moves slowly today. We handle cross-border settlements for a fraction of its cost at 10x the speed
Merchants
Receive Rate3 tokens from consumers
Consumers
Purchase cross-borders products
Other Intermediaries
Provide raw materials or work-in-progress goods for merchants
Peer Scoring
Identity
Attesters
Ancillary Information
Historical Transactional and Credit Information
Credit Score & Trust Reputation
Accounting systems store transactional details in data stores called ledgers. Our credit score protocol allows certified lenders to safely and securely issue credit to borrowers.
E-commerce sales are seasonal. We provide cash-flow needs without relying on traditional credit scoring methods.
Sales & Rewards
We help marketplaces to issue instant cashback & collectively digitize their sales in a trustless transactional system
Spend and Receive bonuses on any Global Merchants we partner with using our tokens
Instant
Cashback
Loyalty
Cross- Marketing
Feedback
Sales & Rewards
We help marketplaces to issue instant cashback & collectively digitize their sales in a trustless transactional system
Spend and Receive bonuses on any Global Merchants we partner with using our tokens
Instant
Cashback
Loyalty
Cross- Marketing
Feedback
Payments & Rewards
Transaction costs are high and money moves slowly today. We handle cross-border settlements for a fraction of its cost at 10x the speed
Merchants
Receive Rate3 tokens from consumers
Consumers
Purchase cross-borders products
Other Intermediaries
Provide raw materials or work-in-progress goods for merchants
Peer Scoring
Identity
Attesters
Ancillary Information
Historical Transactional and Credit Information
Credit Score & Trust Reputation
Accounting systems store transactional details in data stores called ledgers. Our credit score protocol allows certified lenders to safely and securely issue credit to borrowers.
E-commerce sales are seasonal. We provide cash-flow needs without relying on traditional credit scoring methods.
Sales & Rewards
We help marketplaces to issue instant cashback & collectively digitize their sales in a trustless transactional system
Spend and Receive bonuses on any Global Merchants we partner with using our tokens
Instant
Cashback
Loyalty
Cross- Marketing
Feedback
DISCOVER OUR
PRODUCTS
Browser Extension
Mobile App
Discover Our Products
Our working products help to facilitate transactions within the Rate3 network.
So far, we've helped our users save:
DISCOVER OUR PRODUCTS
Browser Extension
Mobile App
Browser Extension
Mobile App
How it works
Financial Infrastructure is a messy closed system today.
Payments
Transaction costs are high and money moves slowly today. Pay for cross-border purchases for a fraction of its cost at 10x the speed
Faster and Cheaper than Ethereum, Ripple and Bitcoin
Rewards
Commerce and trust need each other, but current systems are complicated. We use Stellar consencus protocol to immute and simplify the relationship
Get bonuses on any Global Merchants we partner with
Credit Score
Accounting systems store transactional details in data stores called ledgers. We build an end-to-end protocol on the blockchain with it
Borrow and Pay for online purchases without traditional credit scores
Payments
Transaction costs are high and money moves slowly today. Pay for cross-border purchases for a fraction of its cost at 10x the speed
Faster and Cheaper than Ethereum, Ripple and Bitcoin
Rewards
Commerce and trust need each other, but current systems are complicated. We use Stellar consencus protocol to immute and simplify the relationship.
Get bonuses on any Global Merchants we partner with
Credit Score
End-to-end protocol built on the blockchain using transactional data. 
Borrow and Pay for online purchases without traditional credit scores
Token & Fund Allocation
Token Sale*
Company
Listing & Exchanges
Team & Advisors
Reserve
Community
R&D
Partnerships
Marketing
Listing Fees
Operations
Legal
Token Sale Details
Total Supply of Tokens
Token Main Sale Price
Accepted Currency
Soft Cap
Hard Cap
Pre-Sale Start
Pre-Sale Cap
Public ICO
1,000,000,000 RTE
1ETH = 16,000 RTE
ETH
20,000 ETH
25,000 ETH
16 April 2018, 2PM SGT (GMT+8)
5,000 ETH
Start immediately after Pre-ICO tokens are sold out, or till 31 May 2018, 10PM SGT (GMT +8)
* USA, China & South Korea citizens will not be able to participate in the token sale
Rate3 Versus Other Public Blockchain Projects
Cross Chain
Single Chain
Local Payments
Cross-Border Payments
Roadmap and Adoption
Q2 2017
- Development of Rate3 begins
- Assembling of core team
Q1 2018
- Rate3 Concept Development
- Whitepaper released
- ERC20 Token Generation Event
Phase 1 RTE Payment Protocol
Q2 2018
- Private TestNet
- Early TestNet API
- Gather feedback from POC integrations with strategic partners and community
- Release TestNet to public
Q3 2018
- MainNet
- CPP API with RTE payment only
- Support RTE tokens atomic swaps between Stellar and Ethereum
Phase 2 Multi-Asset Payment with RTE As a Medium of Exchange
Q4 2018
- Complete TestNet integration
- Payment gateway platform
Q2 2019
- Complete MainNet integration
- Launch of payment gateway platform powered by CPP
Phase 3 Credit Scoring Protocol
Q4 2019
- TestNet
- CSP interface platform for borrowers and lenders
- MainNet
- CSP API
- Launch of CSP interface platform
Phase 4 Network Stability
Q1 2020 and beyond
- Offline payments: Brahma OS
- Blockchain scalability: Ziliqa Pilot Project
- Payments stability: Stablecoin
Learn More About Rate3
Read the latest news and developments about Rate3.
Cornerstone Investors
Supported Merchants
Advisors & Investors
Shi Yi
ODYSSEY (OCN), Cosima (DATx) Chief Advisor
DotC United Group
Yinglan Tan
Founding Managing Partner, Insignia Ventures
ex-Sequoia China Venture Partner
Aaron Tan
Co-Founder & CEO
Carro | Carniege Mellon University
Koh Waikit
Investment, Pavilion Capital
ex -Director, Temasek Holdings
Quek Siu Rui
Co-Founder & CEO
Carousell
Jefrey Joe
Co-Founder & Managing Partner
Alpha JWC Ventures | Harvard Business School Executive Education
Samuel Chan
Vice President, Trader, Asian FX & Interest Rates
ING  | University of Michigan
Kevin Li
Co-Founder & CEO
ex-Principal Researcher, AT&T | Adjunct Professor, Columbia University
36 Patents Holder
Will Ongkowidjaja
Co-founder & Managing Partner, Alpha JWC
 Forbes | Harvard Business School
Khoo Lay Seng
Director, Investments at Khazanah Nasional
Khazanah Nasional | Imperial College London
Li Jianwei
Managing Partner at Zhencheng Investment
Vice President of Sequoia Capital | Beijing University
Chandra Tjan
Co-Founder & Managing Partner
Alpha JWC Ventures | East Ventures
Reynold Wijaya
Co-founder
Modalku and Funding Societies | Harvard Business School
David Su
Managing Partner
Matrix Partners China
Loi Luu
Co-Founder
Kyber Network
Fei Ding'an
Principal at Warburg Pincus
 New Enterprise Associates | Amherst College
Koh Boon Hwee
ex-GIC Board of Director
Khazanah Nasional | Imperial College London, Harvard Business School
Gwendolyn Regina
Entrepreneur & Investor
Strategy, BD, Product, Marketing | Entrepreneur First
Token Allocation
Team Members
Jake Goh
Co-Founder & CEO
Bachelors Degree in Economics & Technopreneurship,
NYU & NUS
Lim Jing Rong
Co-Founder & CTO
BsC. Computer Science, Stanford & NUS
Davis Gay
Co-Founder & CTO
BsC. Computer Science, Stanford & NUS
Waihon Chee
Senior Blockchain Engineer
BsC, Business Analytics, NUS
Albert Ho
Country Lead
BBA. Business Administration, 
NYU & NUS
Wu Di
Full Stack Developer
BsC. Computer Science, NUS
Andre Khong
Software Developer
B.E. Information & Communications Technology, SIT
Adarrel Ho
Web Developer
B.A. Industrial Design, NUS
Daniel Olivan
Marketing Manager
AB. Communications, Literature, Ateneo de Manila University
Eunice Er
UIUX Designer
BA. Industrial Design, NUS
Team
Based in Singapore
Made up of 8 individuals with specialized skill sets ranging from finance, marketing and technology.
Media
FAQ
What are the key features of Rate3? What will Rate3 be used for?
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What blockchain is Rate3 based on?
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How are Rate3's advisors helping them?
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When is the public sale? 
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Where can $RTE be purchased in the future?
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