The level of loans granted can not exceed the stock of tokens. Tokens participate in p2p lending and the bank does not take any risks acting as an intermediary between clients. In loans from the bank to customers, we use a risk hedging system, opening on the market simultaneously purchase and sale transactions for the amount of credit in the crypto currency, to protect the bank from losses associated with a decrease in price. It does not matter if the Crypto currency is growing or falling, we fixed its value at the time of issue.