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FAQ Cashbery

About the Company (Read more)
1. WHAT IS CASHBERY?
This is a mutual crediting platform. In plain, this is a meeting place for investors and borrowers. Investors have
the opportunity to issue loans and make a profit, and the platform is a regulator and insures the investor against non-repayment of loans.
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2. What units are included in the platform?
Cashbery platform includes such units as Marketing and Advertising Department – the head Irina Rusakova,
Finance Department – the head Roman Alekseev, IT Department – the head Marek Novak.
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3. Where can I find company records?
You can find all documentation in the public domain on the corporate website in About Us section.



4. What companies comprise Cashbery Holding?
Cashbery Holding comprises such companies as the Russian company Cashbery LLC PSRN 1166196110981, English company Cashberry
Limited No. 10462479, Cashbery microfinance company PSRN 5077746931928, state registration number in the state register of microfinance organizations of the Central Bank 651303260003016 and Cashbery Auto-Lombard PSRN 1136670027922.
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5. Is activity of Cashbery platform legal?
Activity of Cashbery platform corresponds to the laws of the country where it is presented, accounting
department regularly submits financial and other types of reports in terms established by the country of presence on demand of the regulator.
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6. Is the platform a microfinance organization?
Cashbery investment platform is a holding company comprising several companies, including a
microfinance organization of the same name.
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7. What are the platform short-term objectives and in the future?
One of the main objectives of Cashbery platform is IPO as part of several major P2P platforms. The planned
entry date is August 2018. This will allow the company to take leading positions in P2P crediting in the international market.
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8. What partner organization are you working with?
The list of partner organizations includes FICO Application Fraud Scor – a leader in predictive analytics and
decision-making technologies, credit history verification services such as National Credit Reference Bureau and Equifax, Teleport lead generator and many others.
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9. Which countries is the company officially represented in?
At the moment, Cashbery holding is represented in countries such as Russia and England, the list of countries will
expand in the future. In the near future it will include Ukraine, Kazakhstan, Belarus and some other countries.
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10. How does the platform make a profit?
Cashbery platform makes a profit by charging a commission from borrowers and investors. Commissions of borrowers range from 2
to 5% of the loan amount. Platform investor receives profit in accordance with the selected tariff, and the difference between the investor’s yield and total return of money issued by the investor make the platform’s profit.
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11. How long does Cashbery platform plan to work?
The work of the platform is directly dependent on the development of direct crediting industry and according to the absolute majority
of financial experts, active stage of the market development will continue for at least another 10 years.
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12. HOW LONG DOES THE INVESTMENT PLATFORM WORK?
The official launch date of the platform is 13.12.2016.



13. DOES THE PLATFORM MANAGEMENT HAVE EXPERIENCE IN THE FINANCIAL SECTOR?
Cashbery platform management experience in financial sector is over 10 years. For more details,
see About Us section and Announcement of Arthur Vardanyan.
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14. WHERE DOES THE COMPANY ATTRACT BORROWERS?
After years of work in the field of micro-crediting, the company has developed an extensive portfolio of reliable borrowers which
continues to grow to date. The company also cooperates with lead generators; their main customers include objectors of the banks and other credit organizations with high requirements for borrowers. Cashbery Holding includes microfinance company of the same name, which is also a source of traffic. As well as companies, which include databases of individual entrepreneurs and owners of small and medium businesses, some of which may also be our customers.
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15. HOW DOES THE COMPANY RETURN OVERDUE LOANS?
The collecting department works with overdue loans, its employees work according to the banking sector standards.



16. WHAT IS THE INSURANCE GUARANTEE FUND?
This is a set of financial reserves of the platform, intended for prevention, localization and reimbursement
of damages caused by default risks. It partly contains voluntary contributions of investors and financial contributions of the platform.
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17. WHERE CAN I FIND THE COMPANY NEWS?
You can view the company news on the corporate website.



Investments (Read more)
1. HOW CAN I BECOME AN INVESTOR?
To become an investor, register on the platform website, choose a tariff plan and make a deposit.



2. WHO CAN BECOME AN INVESTOR?
Any citizen of any country can become an investor.



3. WHAT IS THE YIELD OF INVESTMENTS AT THE PLATFORM?
The yield varies depending on selected investment type and tariff and is up to 600% per annum.



4. WHAT ELECTRONIC PAYMENT SYSTEMS DOES THE PLATFORM WORK WITH?
The platform works with the most popular payment systems, such as: Perfect Money, Payeer, Advanced Cash,
OKPay, QIWI, Nix Money.
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5. WHAT BANKS DOES THE PLATFORM WORK WITH?
The platform works with most popular banks in the CIS: Sberbank, VTB 24, Tinkoff Bank, Alfa
Bank, Russian Standard, RNCB, Genbank, Promsvyazbank, PrivatBank.
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6. WHAT IS THE MINIMUM AND MAXIMUM AMOUNT OF INVESTMENT?
The minimum and maximum amount of investment is 1,000 and 600,000 Russian rub, respectively (or its equivalent in other currency,
represented at the platform), and depends on the chosen tariff plan. You can find more detailed information on tariff plans in To Investor section.
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7. IS EARLY REPAYMENT OF THE CORE DEPOSIT AVAILABLE?
Early repayment of the core deposit under any of the tariffs is available upon the application. The deposit is returned within
45 working days. For the time of the return procedure, the deposit will be frozen and no accruals will be charged.
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8. WHAT ARE THE GUARANTEES PROVIDED TO INVESTORS?
Investment, besides profitability, bears a certain share of risk and investors should be well aware of this.
Cashbery platform has several mechanisms intended to minimize potential losses and help investors make profit the safest way. These are tools such as: diversification of loans issued, where the invested amount is allocated for issuance of multiple loans; voluntary insurance – for 5% of the deposit you get 100% coverage of the invested funds; and for investors who choose Financing On Security tariff, the collateralized property guarantee fund is provided, in case of loss under this tariff – the collateral is put up for auction, and part of money obtained from its sale is used to repay default risks.
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9. HOW ARE THE INVESTED MONEY USED?
When investing in Cashbery platform, investors’ money is used to issue loans according
to the tariffs chosen by the investor.
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10. HOW QUICKLY ARE INVESTED MONEY DEPOSITED ON THE PLATFORM ACCOUNT?
Money is deposited depending on the payment system chosen. For example, bank transfer to the card may take
from 1 minute to 3 days, transfer to the bank account may take up to 7 business days, transfer to the accounts of electronic payment systems usually takes a few seconds, but there may be rare delays.
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11. CAN I SEE HOW MY INVESTMENTS WORK?
For each investor was provided individual statistics on all issued loans from the investor's money. You could
read it in your account. No statistics are provided at this time.
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12. IS THERE A GENERAL STATISTICS ON THE LOANS ISSUED?
General information on loans is provided in the reports, which are cited by the management
companies at events every month.
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13. WHAT IS THE OPERATION SCHEME BETWEEN THE PLATFORM AND THE INVESTOR?
The investor registers on the platform website, chooses a tariff plan, makes a deposit and receives
daily profit, according to the tariff terms.
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14. HOW MANY INVESTMENTS CAN I HAVE UNDER ONE ACCOUNT?
The investor may have unlimited number of investments under one account.



15. WHETHER THE PLATFORM CHARGES FEES FOR PROVISION OF SERVICES?
The fee for services is included in the tariff plan, and the investor receives as much as specified
in the tariff terms, the yield is calculated after the fee deduction.
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16. WHAT IS INCLUDED IN THE YIELD INTEREST OF UP TO 400% PER ANNUM?
Cashbery platform works in the top segment of the credit market yields. Microloans are sometimes issued for
700% per annum, together with compound interest (quick turnover, combined with reinvestment of profits) allows the company to have excess returns and easily perform the stated marketing commitments. Such profitability is quite common in the microcredit business market.
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17. THE DEPOSIT IS REPAID IN EQUAL INSTALLMENTS, WHAT DOES IT MEAN?
The core investment is included in repayments and is repaid in equal installments
throughout the period when investment works.
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18. THE DEPOSIT IS INCLUDED IN DAILY ACCRUALS, WHAT DOES IT MEAN?
The core deposit is divided into equal parts in proportion to the number of days when the deposit works, and is repaid with a profit
in equal installments.
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19. WILL I RECEIVE REFERRAL REMUNERATION AFTER THE DEPOSIT EXPIRATION?
Remuneration under the referral program is available only to investors who have an active deposit.



20. WHAT OVERDUE PERCENTAGE FOR LOANS ISSUED?
Overdue percentage for loans issued depends on the loan type. For example it is maximum for in micro-loans to individuals,
where it can reach up to 12%, for credits to small and medium business it does not exceed 7.5%, for financing on security of property the share of overdue loans is not more than 3%.
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21. WHAT IS THE AMOUNT OF INVESTMENT TO CONCLUDE CONTRACTS WITH INVESTORS?
Investment contracts are concluded with investors with the amount of investment exceeding 200,000 rub. or the equivalent
in another currency, provided at the platform. Contracts are concluded with investors of those countries where Cashbery platform is officially represented. In the future, the list of these countries will be expanded.
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22. WHAT IS THE PERIOD FOR INVESTMENT TO BEGIN REPAYING?
The loan is allocated within 48 hours from depositing. The first accrual is on
the next day after deposit allocation to loans.
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Affiliate Program (Read more)
1. WHAT IS A REFERRAL (AFFILIATE) PROGRAM?
This is a form of business cooperation between Cashbery platform and the investor. It involves monetary incentive
for attracting investment to the company.
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2. WHAT IS A MANAGERIAL REMUNERATION?
This is a monetary incentive for promotion on the internal career ladder of the platform. For more details see To Partner section.



3. WHAT IS A REPRESENTATIVE REMUNERATION?
This is a monetary incentive for attracting a certain amount of investment in a certain period. For more details see To Partner section.



4. WHERE CAN I VIEW MY REFERRALS?
Information about your affiliate structure is available in the personal account, My Partners tab.



5.



6. WHERE CAN I SEE MY INVITER? HOW TO CONTACT HIM?
You can view your inviter in your personal account, you can contact him through available communication channels
specified in the inviter profile.
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7. WHAT IS THE CURRENCY FOR ACCRUALS OF MANAGERIAL AND REPRESENTATIVE BONUSES?
Managerial and representative bonuses accrued in Russian rubles.



Technical Issues (Read more)
1. HOW IS PROFIT ACCRUED?
Profit is accrued daily at exactly the time when the deposit was made, accrued funds are deposited on the account
for withdrawal and are displayed in your account.
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2. HOW OFTEN CAN I WITHDRAW MONEY FROM THE SYSTEM?
Withdrawal is available weekly, every Friday, including holidays and weekends. The application is processed within 72 hours.



3. WHAT IS THE ACCOUNT FOR DEPOSITS IN MY PERSONAL ACCOUNT?
This is an individual account for each investor. Within 24 hours from the moment of transfer of the invested money
to the platform, they are displayed in the account.
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4. WHAT IS THE ACCOUNT FOR WITHDRAWALS IN MY PERSONAL ACCOUNT?
This is an individual account for each investor to accrue investment income and partnership,
managerial and representative profits.
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5. . HOW QUICKLY IS THE ORDERED AMOUNT WITHDRAWN TO MY ACCOUNT?
Money withdrawn from Cashbery platform come to the investor account within 72 hours.



6. CAN I REGISTER MULTIPLE ACCOUNTS FROM ONE COMPUTER?
You can register unlimited number of accounts from your computer.



7. CAN I REGISTER MY RELATIVES IN MY ACCOUNT?
You can register any person, regardless of the degree of kinship with him.



8. . IS IT POSSIBLE TO HAVE THE SAME DETAILS FOR WITHDRAWAL FOR MULTIPLE ACCOUNTS?
Using the same details is prohibited. If found, the accounts can be blocked.



9. WHEN ARE INTERESTS ACCRUED?
Profit is accrued every day at exactly the time when the deposit was made. Accrued funds come to the account
for withdrawals and are displayed in your account.
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10. CAN I EXCHANGE CURRENCY WITHIN THE PLATFORM?
Cashbery platform provides freely available internal currency exchange.



11. WHAT IS THE BONUS ACCOUNT?
This is the account to accrue remuneration for user activity.



12. WHAT ARE BONUSES ACCRUED FOR?
Bonuses are accrued for activities such as: registration on the website, filling in data in the profile, attracting an active
partner to the personal structure, repost of the platform news, payments received, etc. For more details see Get Bonuses tab in your account.
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13. HOW TO SPEND BONUSES?
You can spend bonuses in Cashbery online store by paying up to 50% of the price of the selected goods.



14. WHAT IS THE LOAN STATISTICS? WHERE CAN I FIND IT?
Loan statistics is the information about loans issued from your personal investments. You can view loan statistics
in your account at Desktop tab.
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15. HOW TO VERIFY THE ACCOUNT?
To verify your account, fill out profile information in Personal Data section.
When filling all data, additional bonuses are accrued for complete profile filling.
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16. HOW MANY DETAILS CAN I HAVE TO WITHDRAW FUNDS?
An investor may have one account number or bank details for each payment system represented at the platform.



17. . CAN I MAKE A DEPOSIT FROM A CARD OR DETAILS OF ANOTHER PERSON?
You can make deposits with any details; in this case you have to be identified as the sender by
notifying the platform about it.
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18. ARE THERE ANY FEES FOR THE COMPANY PROMOTION?
Cashbery platform provides several types of monetary incentives for the company promotion – a 5 tier
referral program, managerial, representative bonuses, as well as bonuses in local currency for the user activity. For more details see To Partner section.
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19. HOW CAN I REGISTER A PARTNER IN MY STRUCTURE?
You can register a partner in your structure in two ways: using a referral link
or via direct registration in your account.
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20. WHAT HAPPENS IF A BORROWER DOES NOT RETURN A LOAN?
In case of a delay, collection practices will be applied to violators according to the banking sector standards,
this does not affect the investors yield.
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21. WHAT HAPPENS IF ALL OF MY MONEY IS ISSUED TO ONE UNSCRUPULOUS BORROWER?
When investing funds, the system distributes loans in such a way that it issues not more than 5% of the investment
amount per loan, so the investment portfolio of each investor includes at least 20 different loans.
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22. HOW WITHDRAW PROFIT FROM THE PLATFORM?
To withdraw funds from the platform, click Order Payment in your account, specify the required
amount of the available balance and choose withdrawal details.
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23. HOW TO REINVEST PROFIT BACK INTO THE SYSTEM?
To reinvest funds back into the system and make new deposits of internal money,
click Issue Loans in the account for withdrawals, select a tariff and make a deposit.
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24. HOW TO GET EXCESS RETURN ON INVESTMENTS?
To get the maximum return on investments, some professional investors practice a mechanism
of reinvesting profits. In the long-term, it allows you to get up to 2 times higher yield.
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25. WHAT IS THE SECURITY PASSWORD?
The security password is a private code for financial and other transactions in your personal account.
You shall register and remember it. The system will require it when making each transaction. The security password can consist of characters and numbers.
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26. WHAT TO DO IF I FORGOT A PASSWORD TO LOGIN TO MY ACCOUNT?
Password recovery is possible by changing the password by clicking Recover Password button at Login/Registration page
(this procedure takes 1-2 minutes) or by contacting technical support at the platform website (takes up to 24 hours).
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27. HOW TO CHANGE THE SPONSOR? IS IT POSSIBLE?
Upon registration, the system will prompt you to choose an inviter, or
register without an inviter. In the future, you can only change the inviter through technical support in the absence of an active deposit. If the deposit has been made, you cannot change the inviter.
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28. WHERE CAN LEAVE A FEEDBACK ABOUT THE COMPANY?
You can leave a feedback about the company in your account by clicking on Submit a Feedback.



29. CAN I EXCHANGE ACCRUED RUBLES TO OTHER CURRENCIES WITHIN THE PLATFORM?
You can exchange accrued rubles to the preferred currency within the platform.



30. DO YOU HAVE A PERSONAL DATA PROTECTION MECHANISM?
Personal data protection at Cashbery platform is provided in the form of SSL certificate. SSL certificate
is a unique digital signature of the website, necessary for secure connection between a client and the server, which is especially important in transmission of confidential information and for financial transactions. Thus, leakage of personal data is minimized.
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31. IS THE WEBSITE PROTECTED FROM DDOS ATTACKS AND HACKING?
The company has several tiers of protection from hacking (triple protection against DDoS attacks (Cloudflare)).



32. IS THERE ANY COMMISSION FOR DEPOSITING AND WITHDRAWAL?
No commission for depositing is provided, the investor pays pays commissions of the payment system himself, the platform
deposits exactly the amount that was received to the platform payment details (for example, you transferred $100 with a commission of $1, and $99 was received by the platform, this means that $99 will be deposited to your account). Commission for withdrawal depends on the payment system you use for withdrawal.
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33. WHY SOME DEPOSITING METHODS ARE CASH TRANSFERS TO THE CARDS OF INDIVIDUALS?
For maximum investing convenience, Cashbery provides the greatest possible number of
investment methods. Transfers between individuals are the most convenient for investors and allow the company to avoid the costs of tax optimization.
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