Replies to post #12533 on CYIOS Corporation (CYIO)

[Axle-and-Hub]

Also known as a finders fee as I had stated as an alternative.

However a finders fee is merely a one time upfront payment of a relatively small size.

But if all Helio did was finders fees then it wouldn't need to have a credit line.

Also let's remember that any crypto deposited at Helio is either paid interest or it is deposited as collateral and that collateral is not available to spend or borrow out to others or make money on because it is collateral.

So the only time Helio makes money on crypto's rise or fall in value is when Helio actually owns the crypto themselves or when it borrows money to buy crypto (like stock margin buying). Remember. . . Crypto held for clients or used for collateral is not the possession of Helio's.

[Axle-and-Hub]

An aggregator of loans.

Xeroe,

My understanding is that Helio is an agregator of loan "possibilities". In other words - they search thru any number of potential lenders for their interest rate offerings and then Helio makes the connection via its credit lines to secure those loans for that lender to Helio's client (and Helio determines credit worthiness - not the oginal potential lender - the original lender is getting the credit worthiness of Helio's credit line instead.

But Helio is also the repository for the client's crypto and its my understanding that Helio is what is called the "servicing authority" for any loans. In other words the borrowing client stays with Helio and is not transferred to the original lender.

I believe that makes quite a difference rather than merely being a finder fee hunter (one and done) situation. It entails more liability and a greater need for credit line sizes as Helio develops more clients. I am assuming it also means Helio is paid by the client relating to the interest - and Helio then makes the payments to the original lender - again a much different situation if that is correct.

In other words - each Helio coient has their own unique crypto repository where their crypto is kept and maintained - the end client is responsible to Helio - not to the original lender and the client can borrow additional value on their account from a different original lender for a second application thru Helio - or sell some of their crypto or add to it.

This is exactly why I have often posted about great caution regarding Helio's situation because Australia has registered and authorized Helio for its actions and functions coming from Autralia - but the U.S. has not and its a possible confusion when the U.S. gets involved with the Treasury department relating to banking - and The Fed when relating to banking - and the SEC when relating to disclosures and fiduciary responsibility to public shareholders.

Congress and Janet Yellin and the SEC and the FED have not determined the rules as yet - and what Helio can and can't do could change radically just as foreign banks have different responsibilities and rules they follow when they operate in the U.S.. Which is ALSO why the issues of cannabis related dealers and retailers working with Helio is so murky of a possibility because of banking laws disqualifying cannabis related banking as its been the last 5 years or more.

And all this - brings up exactly why I keep writing about Danijella Dragas.

She is the one member of out advisory group who has and is operating cleanly and legitimately in the lending field and acceptable to Treasury, Banking, and The FED. And she is the only one not linked to Helio activities potentially at this point.

If we are to have Helio able to operate quicker and smoother and without the issues of regulatory situations - it would seem as I've stated many time - that Ms. Dragas could be both influential and a "white knight" if she desires.

Ms. Dragas is Founder and CEO of The Lending Corporation LLC. Since founding the company 13 years ago, Danijella has expanded the Lending Corporation from the ground up and now offers a complete line of residential mortgage, commercial lending, structured financing, refinancing and specialty loans. The Company employs a knowledgeable staff of experienced mortgage bankers with an operations team that is second to none. By constantly updating loan programs, and pricing based on market patterns, the Company can ensure that delivery of extremely competitive rates combined with optimal mortgage structuring. She earned a BS in Economics/International Trade and Banking from the prestigious University of London. Ms. Dragas was one of the original team members that introduced Bear Stearns mortgages to the residential wholesale market. She is extremely competent in international banking and taxes proving to be an asset in dealing with the foreign national marketplace.

Ohana and Propy are potentially current operating entities with good reputations - but are very uncertain on any mechanisms in place that Helio could actually work with outside of Australia. And Paloma Pay does not appear to even being an actual operating entity as we'd define Ohana or Propy.

JMHO