Morgancoin idea came in September 2017, along with many lending program we have begin our team setup and planning. We believe in order to have a successful lending program, all features such as lending, internal exchange, external exchange, staking wallet as such must be made available as soon as ICO ends. Many lending program, who was rushing to grab as much BTC as possible as it was soaring did not see that it will not be sustainable. When BTC price plummeted, a lot of the lending program can no longer sustain their collection as they are paying out lending in Fiat. Timing is key for lending to be sustainable, it either needs to be at a low price or it should grow from the entry price. We believe at this timeframe, BTC is stabilizing from a bull market. It would be perfect. We had 1 month for a full strategy and requirement study and 4 months of time for development to make the system ready before releasing it last week. By completion of ICO, we should be able to run 2 weeks of open testing by users before releasing all features to the public.