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What is Crypto Lending? [ Explained With Animations ]Initial coin offerings (ICOs) are a fundraising model for startups and crypto projects. These ventures raise capital by issuing digital tokens or coins in. Ripio Closes $37 Million ICO for Ethereum Lending Network. Ripio's peer-to-peer lending platform uses smart contracts to reduce lender risk and increase lending. Companies and individuals are increasingly considering initial coin offerings (ICOs) as a way to raise capital or participate in investment.