I am doing analysis on Debitum Network project and will be able to share more once I fully complete it, but already now I like the project due to strong points:
1. Team - both financial and IT background, previous on-hand business experience, members working already for at least few years.
2. Market - credit gap for small businesses is huge, underserved by major banks
3. Working businesses - they claim to have two working businesses. One in invoice financing, for which they already raised EUR 3 million and have an invoice turnover of EUR 19 million3. Advisors - looks like business people, not only shiny names on the page. The other is IT development with 151 k project hours clocked.
4. Advisors team - looks like a mix of business people and "mini-stars", likely some of them will remain for post ICO business development.
5. Whitepaper - actually 3 docs (pitch story, position paper, token generation), which include explicit roadmap with detailed use of proceeds and how the ecosystem works.
My few cents. What do you guys think?
Don't take this personally, but I think your research is basic, which is a start, but it only places that ICO in the average category.
1. Team: financial and IT background, what about cryptocurrency or blockchain background? The solution is using blockchain, where are their developers?
2. Market - credit gap is indeed underserved but you have P2P lending which is picking up the slack from banks
3. Okay, this is a good point. So they know how to run a business.. IT devt with 151k hours is not that big btw!
4. Advisors: Not important. Might hurt if linked to other poor projects.
5. Whitepaper: Pitch story should not be part of whitepaper, neither is token generation really. Whitepaper should purely focus on technical details.
So on a whole, it's OKAY. Better than a lot, but not a lot.