The Wish Finance ICO is currently going on. They intent to give loans to small businesses based on scoring the they would be performing using their internal system. This would help them to give out loans within 24 hours only as compared to banks which sometimes can take upto months. Also everything will be available for audit over the block chain.
The best thing is that they already have cash flow and do not intend to get over financed. Yes, there are genuine people like them still out there who are just looking to raise the amount which they feel is genuine to grow their business and are not acting greedy. The soft cap of wish finance is 1,000,000 (1 mil USD) and hard cap is 10,000,000(10 MIl USD) only. One of the important things about their ICO is that they are the only one in the Asian market structuring it in a way where the tokens are not just a digital asset, but could be converted into IPO or real assets(how cool is that). So basically they are selling 20% of their own company so at any moment a token holder can actually convert one token into one share and become a real share holder in the company. This is very interesting and they are the first in Asia to do this. I do not know of any other ICO who are selling equities. WIsh Finance is pioneering this thing for the first time. For this kind of an ICO even their hard cap of 10 MIL looks very normal if you compare it with 100 MIllion USD ICO's where there are actually not even any real products. Coming now to the road map, they already have a product as we know. The ICO is currently ongoing and their goals will actually depend of how much money they are able to generate during the ICO. They have started lending with Singapore and would be moving next to Hong Kong from where they intend to go to South Korea and further from there they have plans to go to countries like Norway, Denmark, Sweden followed by Neitherlands. Their basic aim is to target small efficient countries with efficient economies as they have high volumes of cashless transactions. Their interest is not in countries like Brazil, India or China which have very low penetration of cashless payments.
More info can be checked at their website
https://wishfinance.com or at their telegram channel
https://t.me/wishfinance