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Growth  Hacker & Risk Consultant To Businesses In High Risk Industries.

State Consumer Lending Laws

State Consumer Lending Laws

Appurtenant to my discussion on the legality of DeFI lending platforms – found here, I have compiled a state-by-state analysis of consumer lending laws. My argument here is that DeFI lending platforms, while permissionless and peer-to-peer, still fall under state and federal regulation and would be required to obtain the requisite licenses.

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SAFE Agreements Explained

SAFE Agreements Explained

The Simple Agreement for Future Equity or “SAFE” agreement has become a popular means of investing in early stage ventures. The SAFE was created in part by the team at Y Combinator in an effort to address the problems posed by attempting to assign a valuation to early stage ventures – lack of data, operating history, revenues, etc. The theory behind the SAFE goes, in part, that a future “priced” funding round will accurately set a startup’s valuation and the discount typically applied to the investment made through SAFE will, in turn, accurately reflect the true valuation at which the SAFE investment was made.

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Initial Coin Offering Class Actions

Initial Coin Offering Class Actions

Are aggrieved Initial Coin Offering investors resigned to their fate, or is there another reason? A rational legal analysis would suggest the existence of something other than investor apathy. With the SEC contemplating creating a “safe harbor” for Initial Coin Offerings, it is indeed a postulate worth investigating.

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