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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
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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
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.
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
Start shopping and paying the right way: instant cashback and no additional fees.
Settlements On One Platform
Focus on what truly matters: grow your business and not worry about finance.
Build Your Own Credit Score
Take charge over your identity: access inclusive credit whenever you need it.
Rate3 Network Features
No More Intermediaries
Consumers pay and merchants receive at a fraction of the current costs.
Fast & Immediate
3 - 5 seconds from payment to settlement
Cross-Asset Interoperability
Pay and settle in any supported currencies: fiat or crypto.
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 & Instant cashback
For Consumers: Spend on any merchant globally with ease of mind
Pay network fees at a fraction of existing fees, No chargeback risks & Easy, fuss-free integration
For Merchants: Accept any payments with one simple integration
Credit Scoring Protocol
Powered by Ethereum
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
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.
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
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:
Get our latest prototype
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
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
Learn More About Rate3
Read the latest news and developments about Rate3.
Cornerstone Investors
Partnerships
Supported Merchants
Advisors & Investors
Chandler Guo
Angel Investor, OCN Adviser
Bitcoin God Founder
Yinglan Tan
Founding Managing Partner, Insignia Ventures
ex-Sequoia China Venture Partner
Koh Waikit
Investment, Pavilion Capital
ex -Director, Temasek Holdings
David Su
Managing Partner
Matrix Partners China
Quek Siu Rui
Co-Founder & CEO
Carousell
Jefrey Joe
Co-Founder & Managing Partner
Alpha JWC Ventures | Harvard Business School
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
Will Ongkowidjaja
Co-founder & Managing Partner, Alpha JWC
 Forbes | Harvard Business School
Khoo Lay Seng
Director, Investments at 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
Aaron Tan
Co-Founder & CEO
Carro | Carniege Mellon University
Fei Ding'an
Principal at Warburg Pincus
 New Enterprise Associates | Amherst College
Reynold Wijaya
Co-founder
Modalku and Funding Societies | Harvard Business School
Loi Luu
Co-Founder
Kyber Network
Kenneth Oh
Senior Partner at Dentons Rodyk
TenX | TOMO
Shi Yi
ODYSSEY (OCN), Cosima (DATx) Chief Advisor
DotC United Group
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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Are there any lock-up periods for RTE tokens?
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Where can $RTE be purchased in the future?
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