What do you actually mean when you talk about crypto accredited portals, are you not referring to ICO or STO , STO are very much regulated by the government and they are investment platforms where investors can invest money into a project in order to make profit in return in few months or even years, one of the popular company that carried out an STO recently is binance exchange which is the most popular crypto exchange in the world.
I don't understand the part you are talking about down payment, maybe you can throw more light on what exactly you are looking for.
Our coin fails the howey test so it isn't considered a security, however the SEC may not agree until we release the beta version of the project.
Most of the ICO/STO platforms charge significant fees to list your coin on their site. Coinlist was charging $50k last summer, now charges $20k, I'm not sure what republic charges yet but I think it's somewhere between 2k-5k upfront. They also typically charge 2-5% of the proceeds from the sale in addition to the upfront fees.
But have you looked at the IEO option, though I dont know how much Binance charges for their Launchpad but it will be the best platform for you to really take advantage of now that it is still new and gaining attention of great investors and if you really want to meet up with your target without much delay.
You seems to look like a very serious and committed developer, though I dont know what your project is all about yet but whatever the project is, I do wish you best of luck and I hope you get all the necessary support you need, kindly update us from time to time on the development so we can also partake in it and give you necessary support from our own end.