CRED token won't be sold during ICO and you can't mine them.
Any customer that has downloaded and registered on the Crypterium mobile banking App, can apply
for a CRPT:CRED loan. Based upon a detailed KYC (Know Your Customer) and applying lending risk
algorithms to each applicant (that themselves will take account of previously issued and repaid loans),
if accepted, Crypterium will issue a smart contract based CRPT:CRED loan, which applies its own
unique interest rates and lending conditions (which may or may not include collateral) to each
individual borrower.