Rate3
Payment Without Borders
Pay in
BTC.
ETH.
USD.
SGD.
Settle in
USD.
ETH.
BTC.
SGD.
Pay in
RTE
USD
BTC
EUR
ETH
RMB
LTC
SGD
- Settle in
USD
ETH
EUR
BTC
SGD
RTE
RMB
LTC
Pre-sale NOW LiVE - 20% Bonus
TOKEN SALE CONCLUDED
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
Rate3
Payment Without Borders
Custom Websites
Pay with USD BTC 
Settle in ETH
USD
A decentralised dual protocol for cross-border payment and credit scoring powered by Stellar and Ethereum
BTC
ETH
SGD
USD
Pay in
RTE
USD
BTC
EUR
ETH
RMB
LTC
SGD
- Settle in
USD
ETH
EUR
BTC
SGD
RTE
RMB
LTC
TOKEN SALE CONCLUDED
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.
Payment without borders
A decentralised dual protocol for cross-border payment and credit scoring powered by Stellar and Ethereum
Pay in
RTE
USD
BTC
EUR
ETH
RMB
LTC
SGD
- Settle in
USD
ETH
EUR
BTC
SGD
RTE
RMB
LTC
Pay in
RTE
USD
BTC
EUR
ETH
RMB
LTC
SGD
- Settle in
USD
ETH
EUR
BTC
SGD
RTE
RMB
LTC
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.
Why Rate3 Network?
Pay Anything, Anywhere
Pay globally with ease: Instant cashback, no additional fees and cross currency transfers.
For Businesses
Settlements On One Platform
Settle international currencies cheaply and swiftly without intermediaries
Build Your Own Credit Score
In built credit scoring protocol for risk mitigation or financing needs.
Rate3 Network Features
No More Intermediaries
Pay and receive at a fraction of the current costs.
Fast & Immediate
3 - 5 seconds for real time settlements 24/7
Cross-Asset Interoperability
Support multiple assets - 12 fiat currencies and cryptocurrencies
Decentralized Credit Scoring
Transaction history automatically builds a globally-portable credit score
What is Rate3 Dual Protocol?
A decentralised dual protocol for cross border payments and credit scoring powered by Stellar and Ethereum.
A decentralised dual protocol for cross-border payment and credit scoring powered by Stellar and Ethereum
Cross-Border Payment Protocol
Powered by Stellar 
Mid-market exchange rates, no additional transaction fees
For Businesses: Settle in multiple assets with ease of mind in real time
Credit Scoring Protocol
Powered by Ethereum
Full control and transparency, Enjoy lower rates with more verification & Get access to global lenders
Borrowers: Access Credit with your Credit Score
Enjoy lower default rates, Lend to global borrowers
Lenders: Gain Access to Global Borrowers
Simple integration with lending ecosystems
Cross-Border Payment
powered by Stellar 
Mid-market exchange rates, no additional transaction fees

For Businesses: Settle in multiple assets with ease of mind in real time
Credit Scoring
powered by Ethereum
Decentralised, alternative credit scoring system for a transnational world, based on Proof-of-Transactions, Identity & Attestation
Full control and transparency, Enjoy lower rates with more verification & Get access to global lenders
For Borrowers: Access Credit with your Credit Score

Enjoy lower default rates. Lend to global borrowers
Lenders: Gain access to global borrowers
Simple integration with lending ecosystems


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
Future use cases
Rate3 Dual Protocols unlock billions of value for different applications and use cases, while disrupting current industries. Here are some applications:
Stable Coin
Shoppers can pay for daily goods, by reaping the benefits and avoiding the volatilities of cryptocurrencies.
Offline Payments
Consumers can access the benefits of cross-border payments through their mobile phone while shopping overseas.
Cross Chain partnerships
Rate3 will integrate other products and systems and be able to work well together which results in scaling of adoption.
Insurance Services
Insurance companies can tap on credit scores to provide e-commerce insurance and general insurance products.
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
Roadmap
Phase 1
Q2 2018
Early TestNet API
Phase 2
Q4 2018
Proof-of-Concept
Phase 3
Q2 2019
Mainnet Release (CPP)
Phase 4
Q4 2019
Mainnet Release (CSP)
Phase 5
Q2 2020
Scaling Adoption
Phase 6
2022 and beyond
Future Applications
View the full Roadmap
Phase 1
Q2 2018
Early TestNet API
Phase 2
Q4 2018
Proof-of-Concept
Phase 3
Q2 2019
Mainnet Release (CPP)
Phase 4
Q4 2019
Mainnet Release (CSP)
Phase 5
Q2 2020
Scaling Adoption
Phase 6
2022 and beyond
Future Applications
View the Full Roadmap
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
Sale End Date
Token sale lock-up period
Bonus lock-up period
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
After Pre-ICO tokens are sold out, or 31 May 2018, 10PM SGT (GMT +8)
10 - 14 days after token sale ends
50% distributed immediately after sale, 50% distributed 6 months after
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
Investors & Partners
Partnerships
Exchanges
Supported Merchants
Token Allocation
Media
Learn More About Rate3
Read the latest news and developments about Rate3.
FAQ
What are the key features of Rate3? What will Rate3 be used for?
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The Rate3 Dual Protocol follows the best engineering practices to ensure they are interoperable,cost efficient, seamless and trustless. First, our Rate3 Cross-Border Payment Protocol (CPP) is the core pillar that enables both consumers and merchants to enjoy zero transaction fees and mid-market exchange rates. Next, our Credit Score Protocol (CSP) presents solutions to (1) Cross-border credit scoring: Allows for credit scoring to move across borders. They are previously tied onto their countries, and are forced to rebuild and re-establish their credit score from scratch whenever they relocate (2) Current uncompetitive ecosystem for credit scoring: Credit data is centralized. In most markets, a single provider scores credit, resulting in an uncompetitive ecosystem for evaluating credit risk.
What blockchain is Rate3 based on?
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The Rate3 Dual Protocol is powered by Stellar and Ethereum. We will be able to leverage on the smart contracts on the Ethereum ecosystem and also be able to deploy RTE as a Stellar asset to take advantage of the quick transaction speeds and ease of asset exchanges on the Stellar network. Our RTE token can be on both the Ethereum and Stellar network through cross-chain atomic swaps through a hashed time-lock contract. Users would be able to swap their RTE ERC-20 token on their Ethereum wallet for a Stellar asset RTE token on their Stellar wallet. This swap is done without needing a third party through smart contract.
How are Rate3's advisors helping them?
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Technical Expertise: The Rate3 team primarily comprises software engineers, but blockchain technology is still in its nascent stage so we seek advisors to advise us. For instance, Dr Primavera from Jun Capital is a permanent researcher on blockchain technologies and distributed governance, providing updates on the latest blockchain research. Likewise, Loi Luu from Kyber Network is another technical adviser for us.
Networks & Connections: A key element of building an ecosystem is establishing partnerships. Our advisors bring the most valuable connections and networks, for instance Reynold Wijaya of Funding Societies and Modalku advises us on lending and credit facilities. Likewise, Shi Yi of ODYSSEY Foundation and oBike Asia provides us with valuable advice on navigating the token sale process.
Are there any lock-up periods for RTE tokens?
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Below are the lock-up details :
Token sale lock-up period: 10 - 14 days after token sale ends.
Bonus lock-up period (all bonus tokens): 50% distributed immediately after sale, 50% distributed 6 months after.
Lock-up period for team & advisors: Vesting period over 2 years, released quarterly according to roadmap.
Lock-up for Company, Exchanges, Reserve and Community: All to be locked up.
Public announcement of at least 1 month before tokens are released.
Where can $RTE be purchased in the future?
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$RTE tokens can be purchased in other exchanges in the future and more details will be released soon. Stay tuned and follow us on Twitter and Telegram for the latest official updates by our team.
Get the latest Rate3 updates.
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