A NPL (Non-Performing Loan) is a loan when payments are past due by 90 days or more. The bank then must set aside more capital on the assumption that the loan will not be repaid. NPLs, are Essential to the Elements Estates project.

i don't understand this - i find elementsestates project on Reddit

i am new in that sector - i know crypto a little and trading  this will be my first ICO

so i make kyc?  buy a btc  or eth  or bnb  and then when presale will start make transaction and i get back eles tokens?

am i right or there is other way?