We are building a RAD platform a first P2P platform for cryptо-secured lending. What is a cryptо-secured lending? When lenders lend money to a borrower, they usually want to see a collateral to secure the repayment of the loan. In a mortgage, a house is a collateral, in a car loan, a car is a collateral. We propose a concept of cryptо-secured lending when the loan is secured by borrower’s cryptо holdings. We plan 2-step-process for our collateral management system. On the first step, we implement a centralized collateral management service to quickly perform business model validation and business development. This will allow us from the early stages to accept a wide variety of blоckchain assets, incompatible with ERC20, including the most important ones like Bitcоin. On the second stage, we plan to develop a decentralized blоckchain-agnostic escrow service that will allow us to manage collaterals in a truly decentralized way across various blоckchains. If we will be able to successfully develop and scale this technology, it will allow to tоkenize and issue ERC20 notes for any blоckchain asset across various blоckchains.