Our lenders are connected to borrowers through smart contracts, offering a higher level of security and trust than typical paper contracts do to protect both parties. AppleTree Smart contracts are the management tools that provide a coordination and enforcement framework to formalize the loan agreements between lenders and borrowers, without the need of traditional legal contracts. P2P lenders and borrowers using blockchain smart contracts can help reduce delays, make quick approvals, eliminate the need for middlemen, and bring transparency.

Lenders loan their funds to borrowers in return for significantly higher returns. The interest earned from peer-to-peer crowdlending is considerably higher compared to interest earned from a treasury bill, a certificate of deposit, a bank savings account, as well as many types of bonds and mutual funds. Generally, it takes 6-12 months to pay off a loan (principal payment plus accrued interest and/or fees that may be incurred), depending on the size of loans and/or loan agreements between lenders and borrowers. Loan repayment terms are embedded in smart contracts. Borrowers make loan repayments to lenders, using smart contracts embedded with a crypto wallet. Lenders provide loans and redeem repayments in major cryptocurrencies.

All AppleTree’s loans are fully secured and protected against default. Every transaction that takes place on AppleTree’s crowdlending network is recorded on a blockchain. Approved funds along with agreed terms are locked and embedded in the blockchain making it transparent, immutable, and decentralized.

AppleTree Decentralized Peer-to-Peer
CrowdLending Platform

AppleTree Auto-Payments using Smart Contracts


Loan Repayment Terms added in Smart Contracts


Auto Generates Requests on Payments


Lenders received Payment from Borrowers


AppleTree’s concept is simple, yet effective and powerful – we make decentralized blockchain applications and solutions the core of our P2P crowdlending model. Our concept is poised to significantly improved efficiency, effectiveness, and at the same time, enhancing trust and accountability across the entire P2P networks. We only have ONE OBJECTIVE – Helping our lenders and borrowers to achieve their financial objectives in a simple, one-stop blockchain solution, circumventing all traditional intermediaries and regulatory requirements.

We're taking intermediaries and regulations out of P2P lending without compromise; we don't use intermediaries, such as banks or credit unions, and remain unregulated. We can do this because we use blockchain and smart contract solutions in our peer-to-peer lending networks, making AppleTree P2P crowdlending direct, safe and secure without the need of traditional legal contracts and intermediaries to establish trust and regulate P2P lending. The Blockchain P2P solutions allow us to maintain a whole new level of trust, efficiency and transparency unmatched in the industry. Our commitment to this concept means we will never be regulated by remaining a pure blockchain P2P platform. We’re committed to supporting the development of blockchain technology, along with its various implementations and solutions in P2P lending.

At AppleTree, an investor from shanghai can lend funds directly to a coffee farmer in Brazil, a game developer in Tokyo or a silk manufacture in Jiangsu and earn passive income that pays much higher than dividend stocks or banks are currently offering. Likewise, an entrepreneur who needs to build his personal protective equipment (PPE) startup can loan funds directly from investors in America, Dubai or Russia at an affordable interest rate without going through any type of conventional financial institution like a bank or credit union.

In the era of social distancing, our decentralized P2P concept has helped create a win-win ecosystem, enabling win-win relationships between borrowers and lenders to work together in in such perfect harmony that their interests are well aligned. Investing and borrowing can now take place simultaneously anywhere around the world, from the comfort of your home office or living room – that’s AppleTree’s Decentralized P2P Crowdlending Solution!


AppleTree’s mission is to provide the borrowers and investors with unbiased, comprehensive loans and financial products. We share and offer some of the best blockchain peer-to-peer (P2P) investment and loan options currently available for you. Borrowers are carefully screened and vetted, and the reasonable interest rates earned on our loans compensates our investors for the risk of their investment. Our goal is to provide you with the knowledge you need to make well-informed decisions when you are ready to borrow or invest in AppleTree Decentralized P2P Crowdlending Platform.


We will always remain true to pure P2P model.

We believe in pure P2P crowdlending solutions that allow for direct partnership between investors/lenders and borrowers without any regulatory intervention. By enabling blockchains and smart contracts, a pure P2P crowdlending can circumvent traditional intermediaries and remain independent of your local financial regulations, which will serve the best interests of investors, as well as borrowers.