Execution of a startup: the bad Karma of the fake “investment banker” Yuri Gugnin and a bad copy of the worthless StartTrack.

The post-Soviet marketer is a potential scammer, a swindler and a scammer. You could come to that conclusion, looking at the protracted disassembly "Torshin vsFadeev ”, where the parties didn’t just merge each other’s medical records, but everything goes to this. Or by looking at the stories of Ilya Balakhnin (one, two) and Kirill Gotovtsev, who ensured the operational efficiency of the agencies at the expense of the salaries of their employees. Or looking at the famous and extremely shameful case "BBDO Russia vs Holodilnik.ru". In the end, having looked at what the marketers who surfaced in the crypto party turned into Just look at very specific examples.

= = = = =

Alexander Borodich. Formerly Director of Marketing, Mail.ru (and also the director of online marketing of Luckychance online casino). Founder of scam startups Wish Coin and Universa, which besides scandals were not worthy of anything.

Nikolay Evdokimov. Talented seller and project marketerSEOPult was so talented that the client sold the services of this service even when he was not ready at all. Then he went out of business, solidly looked around, married a beautiful woman (Maria Batura) and opened a couple of startups. The result is predictable - the money for all these hobbies is over, but the talent remains. As a result, the talent was spent on creating two large-scale financial pyramids: Cryptonomics and Decenturion. Today, Kolya is hiding within the Russian Federation from the masses who want to see him in the land or in prison; in the USA, SEC production has been opened for him - life has been a success.

Ilya Boev. Marketer from Zheleznodorozhny near Moscow. Founder of the never-appeared academy of crypto trading and the ridiculous project CryptoTrust (sic!). A number of people owe cryptocurrency, including the famous case of Inna Ionova (photo of the debt receipt is available), loans to banks and in the lists for collecting debts from the FSSP. He was also remembered by drunk calls “give me money” and promises to cut off his finger - but, of course, he lied.

Vladislav Utushkin. Marketer, later Marketing Directorsensational scam Mark.Space with Eugene Malkin and a couple of hockey players on board (one, two, three). What is curious, was drunk from this project by Oleg Ershov for incompetence. Now he organized the project tothemoon.game, suspiciously reminiscent of a financial pyramid.

Maria Mavrech. A person who has successfully traveled from an employeeadvertising agency "Maxima" to the scam-project Play2Live and export to the forest. Moreover, it is completely not noticeable that she wiser after that episode. Nobody wants to send Masha on a business trip again?

Arthur Lipatov. A patient who has successfully traveled from marketers to more than one cryptoscam participant. Incurable.

Ivan Sologub. A man and a ship: a swindler, a socionic, an infocyan, a cryptomarketologist Also incurable.

= = = = =

Generally, if you see a marketer with experience in front of youIf you work in crypto, (b) LochChein and with the experience of opening your own crypto projects, then you should ask yourself exactly one question: “But do I see scum and foul rats lying before me?”.

It's time for a remake of the classic joke:

- Dad, get acquainted, this is Yura, he is a marketer.

- That is a fag.

- Dad, you don’t understand, Yura organized a crypto start-up!

- Hmm, it would be better to fag.

Yes, now it’s added to the list of heroes of the jokeYuri Gugnin, who prefers to write himself as George Goognin. There was a marketer and specialist in e-commerce - wow! - by the wave of a drug crypto stick, he became an investment banker. After all, everything is possible when you pi $$ good, right? So Yura has opened up superpower.

Moreover, Comrade Reptiloid and I would not have paid attention to this if Gugnin hadn’t frozen Satan’s game about “shortening real estate,” which made our eyes pop.

= = = = =

For those who do not know what “short” (short position) and “short” are, you can familiarize yourself with the essence of the concepts here. Or watch "The Short Game."

= = = = =

Having returned my eyes to the place, I decided to look at what was written on Gugnin’s profile on Facebook. Eyes went back to the forehead. Investment Banker!

Yura, are you serious there? You were definitely sober when you wrote it - if you propose “shorting apartments” in the blue eye? This game is cleaner than the “illiquid tokenization” by Valentin Preobrazhensky from the Latoken scam.

However, after the words “investment banker” wesee what? "High-yield fixed income, sell-side." Thank you Jura for honest recognition. Because the first one translated from “smart guy” means “financial pyramid”, and the second - “a specially hired salesman pi $$ good in an investment company / forex kitchen / bank, imprisoned for stealing any junk or frank scam to a client”. I immediately remembered the ever-memorable Zhenya Nazarov.

No, I can hardly be surprised. Especially after the director of sales in all its glory in the IR Solid 4 years ago showed that he did not know at all what the statements were. But this is a large licensed investment company! But still it became interesting to delve into the biography of Gugnin and understand how you can become an investment banker and at the same time not imagine that it is technically impossible to shorten apartments. If only because they are not commodity.

And as you would expect experience in investment activities with Yuri not traceable. Director of Production, ADV Advertising Group,e-commerce in the framework of X5 Retail, digital marketing courses at a business school, again e-commerce in Hoff, Re: Store, Cupcake Story ... And consulting within the framework of our own consulting agency Team A. With the same success, I can call myself an investment banker, because since 2014 I have been working with traders, financiers and investment bankers.

Well, what, almost do not distinguish me from them - necessaryI know the words, their meaning, too (unlike Yuri Gugnin), I have already written texts for traders and financiers on a couple of books. It remains to invent a company, compose a presentation in PowerPoint and print business cards. And I will be like a typical cryptan! What can I say, if among the crypto party it was not so long ago that it was fashionable to disguise as Jews (Roman Kaufman-Mikhalev, Vladislav Semenchuk, hereinafter everywhere), because Jews have more chances to collect money from mother's investors. So who will be surprised today by an investment banker who was a former marketer yesterday? All the same, the suckers will not check.

Therefore, Gugnin appears Karma project,Naturally released on ICO and raised $ 10 million from naive hamsters. All due to the fact that once the bank absolutely logically did not give Gugnin credit for a private kindergarten. It’s a matter of crypto-hamsters - they are ready to send the crypt “to the village of grandfather” on parole.

Congratulations, Yura! You and your partner didn’t just go down the cobbled road “P2P-something” (see examples of Zaimoteka or Teambrella), but you actually created a copy of the IIDF-shy StartTrack. Which, as you recall, was notably disgraced by the football school Footyball (a criminal case was opened). And all investments made through StartTrack solemnly “burned out”. Moreover, StartTrack, as claimed by Ivan Alekhine from the Startup Show at the end of July 2019, stupidly ran out of funds. Not the most successful object to copy, do not you?

= = = = =

Waiting and reality:

Waiting and reality - 2:

As you can see, StartTrack (IIDF) is an extremely “successful” investment platform. Surprisingly, they have not yet been dragged through the courts.

= = = = =

Well, in general, the Roem P2P / P2B lending market itselfburied reasonably back in 2016. Moreover, how the fintech companies in the United States specializing in consumer lending and loans for SMEs can collapse quite noticeably in capitalization and can collapse at any time can now be read in Forbes. There you can read about the actual collapse of similar Karma projects - LendingClub and Funding Circle. So far, no one has succeeded in pulling banks on their main field.

In principle, the whole logic of such P2P / P2B projects (including Karma and StartTrack) is well described here.

"The problem with all these sites is that theyplus or minus clone the predecessors: give small businesses without collateral, get default 20-30%, and then tell investors why they earn so little (or even in the minuses)."

However, this didn’t stop anyone in Karma -they just added blockchain on top. Therefore, with the blockchain on board, then they gave money, and without it, no. Lochchain itself, of course, was not needed at all in the project.

With KRM tokens after the ICO, everything was also extremely predictable. Falling prices and volumes to zero, delisting even from such slop exchanges as RuDex and BTC-Alpha (one, two).

What kind of investment banker is Jura, who allows his project to be so shamefully managed? Although wait, Gugnin is not a real investment banker ... He probably found a business card at a construction site.

However, with or without a business card, Yuri is trying to portray a good face in a bad game and announces the conversion of tokens into security tokens. That is, not just electrophantics, but almost like stocks.

There are only a few maaaaalenky problems: how it will be combined with art. 185 of the Criminal Code, Art. 15.18 Administrative Code of the Russian Federation or Art. 226 of the Criminal Code of the Republic of Belarus? Or with the requirements of SEC / MAS / FCA and beyond everywhere? It is also interesting how payments will be made. On the basis of what? In fiat or in crypt? How will payout taxes be withheld? How will this be recorded in the company's statements? Etc. etc. Which, as it were, hints that this move is more like a drag on time and a decrease in tension among investors. As in the training manual for the pyramids. "Take time, promise that everything will be fine, do the conversion to the edge in a new project - and then the hamsters will calm“Because hamsters saw the price of the token at ZERO and two delisting from the slop exchanges - which means obvious and very unpleasant questions have accumulated for Gugnin and his partner Laptev.

There are also questions for the numbers on the site, which should symbolize the successful success of Karma.

Firstly, in the sections for “borrowers” ​​and “investors”the numbers on the number of investors on the platform did not match. Screenshots were taken at intervals of less than a minute. A trifle, but already with a reserve. It is also interesting why the number of investors in an article on Forklog (7000+) significantly exceeds what is indicated on the site. The smell increased, Yuri, ventilate the room.

Secondly, if you roughly take the number of investors for6100 people, how did they make a total of 128 transactions? So inactive core? Moreover, the figure of 308M (apparently, millions of rubles) raises a certain question. I remember how joyfully the StartTrack office jumped, reaching 1 billion rubles of capital in work - and it was not much in one year. Let's say that stupid and self-confident people are sitting on the Starttrack (which is not too far from the truth), and you can attract capital noticeably more actively. I know how well - but this “how” is not visible from Karma. And the same 308M seems to me ... nuuuuuu ... about the volume of cryptocurrency exchanges, hehe.

Moreover, the average volume of one transaction (issuedloan) is equal to 2+ million (rubles, presumably). How to tell you friends. To attract a hamster with an average check of 2+ million is a radically different task than to attract a bunch of small hamsters with an average check of 50+ thousand (if 308 million is divided by 6100). Different input threshold, different expectations, different strategy in work. This requires not an impersonal service-remake, but very active marketing with an emphasis on the identity of managers and building the brand of the company. Karma does not observe either.

But even more interesting - from where they could technicallyto take these volumes if ... in August 2019 there were already FOUR companies ready to take loans. Each of them had a very finite loot capacity, which they could take and return on time with interest. Yes, user reviews show that there were more companies - but there were no more than 10! And now on the site of Karma you can see ... ALREADY TWO!

Yes, Yura, count it up, in a typical fintech startup, that is, an intermediary shop, the problem is not only to attract the hamster with the dough, but also to find sane objects, where to loot the lootto take your commission.

On it StartTrack just got burned. They scored every slag for quantity - they got FootyBall and the stigma of scammers for many years to come. Yes, the drug addicts were in the project itself, and not in the FRII unit - but who cares? The drug addict led FRII by the hand and slipped it to investors like a sure thing. Therefore, now IIDF / StartTrack smoothly transforms into a classic bunch of info-gypsum from venture. As Xelius of the investment office once became the usual information business from trading - only once big screwed up in money management.

From the ridiculous number of borrowers, 0 defaults and 1 delay arise. And what will happen, Yura, if you have more borrowers? Let me guess ... I guess your scoring will come down no worse than starttrackers, and the delay you receive is noticeably worse thanTinkoff Bank. And they have it clearly more than one percent, if you look at corporate reporting for holders of depositary receipts. Mind you, we are talking about an advanced usury store ... oh, sorry, MFI ... sorry, an advanced Russian bank. Moreover, a bank with significant equity capital, which Gugnin and Laptev do not have. From whose money will you cover losses upon defaults? Very interesting to listen to.

In addition, despite the slogans “Economy Of Trust. Worldwide cross-border p2p loans ecosystem ”and claims for globality, indicated before the ICO and on the current version of the site, Karma is barely trying to master the Russian market.

It is necessary to remind where the Russian economy is headingsince 2014 and what happens to the solvency of the population of the Russian Federation and Russian business? Mister investment banker, explain how you will deal with the inevitable growth of loan arrears? Or the main thing is to master 10 lyam green collected at the ICO, and live well in person, as was the case with patients from Mark.Space?

At the same time, the “business plan" of September 4, 2018implies access to foreign markets - that is, a full launch in three countries, except for the Russian Federation. If 10 business borrowers could not scrape together in a familiar and understandable market of the Russian Federation, then why are you trampling somewhere else? Questions, questions ...

And if it came to questions, then why is the news aboutThe partnership with Thomson Reuters is visible by search exclusively as news on Karma's Medium blog. Looking bad for Google? Or go dear Mark.Space with non-existent partnerships?

Moreover, external experts are present in the scheme.

Who are these people? What is their qualifications? How many of them? How were they recruited? Are they in the state? Or are these dudes from a construction site, plumbing and plasterers, as was done as part of a mortgage startup abroad? Well, cho, the builder can estimate the value of the house and its liquidity in the market - isn’t it?

Well, let me remind you that "carefully selected" expertsStartTrack "carefully selected" Footyball and other investment shit, which, I recall, ended in a criminal case under Art. 159 of the Criminal Code. And it is strange that only one criminal case. Jura, didn’t it occur to you that scoring and expert evaluation at banks is a rather complicated thing? Much more complicated than hanging noodles for investors before an ICO. And that is why so far in the credit sector banks are more alive than all living ones, despite sweeps and falls, but your “typical startup” and Laptev have every chance of dying in the very foreseeable future.

Nevertheless, Mr. Gugnin, in his Medium blog, paints us with a picture of a sucessful business. That is, the crypto collapsed, the token is exactly zero, two delisting from the trash - but the business is cutting!

"As you can see, Karma business is growing 40% each month for 10 months in a row"

How a business can grow proportionally by 40%every month? Only exclusively on the effect of a very low base. Or with some very breakthrough product or a breakthrough sales technique. I don’t see either one or the other in Karma. However, if you add an old picture with the Google team, then investors will be distracted by it, and they will not ask questions.

Because they will be interested if youfunds for 2 years of existence under favorable conditions, what will become the repayment of loans in case of what? And at the same time they will be wondering why the “Platform fees” column gives such insignificant figures. And how is the platform itself going to earn and beat back the $ 10 million invested in it?

Seen leads to one simple thought. Karma is a “typical startup” that will die off on its own without new investments by investors. How recently GoLama threw away hooves without investment injections. Gugnin and Laptev are engaged in classical self-employment at the expense of investors - I believe that they did not deprive themselves of their salaries. Yuri Gugnin himself as an “inivestment banker” is a classic charlatan with a business card. If you invested in Karma at the ICO, you are out of luck in life. You are dumb. If you invested in a certain SME through Karma, God forbid that your investments fend off and be able to withdraw them. But in general, comrade investor, there is no good news for you. Hold on there and have a good mood.

With you was Alexey Gryatskikh, previously a marketer, andnow an investment banker and money management expert. Bring me the money, I know how to properly manage it and where to invest it. In the end, cryptans and marketers can - and I can’t chtol?

= = = = =

Original post: https://zen.yandex.com / media / id / 592d3ad87ddde88dbd5af2da / besedy-s-reptilovichem-ch32-ugolovka-dlia-pavla-durova-raketa-ot-sec-i-intellektualnaia-nisceta-nikity-kolmogorova-5e22c006f0505

Main blog: https://zen.yandex.ru/media/id/592d3ad87ddde88dbd5af2da

Telegram channel "Cryptocriticism": https: //t.me/cryptocritique

Telegram channel "Marketing Huyarketing": https://t.me/marketinghuyarketing