Arkadia will give retail investors access to emerging market investment opportunities which before were only accessible for big money. We are forging a new paradigm in the rapidly growing peer-to-peer lending market. The Arkadia Lending platform will leverage novel data science techniques, state of the art blockchain technology and relationships with trusted and competent institutional partners. We want to provide a more ethical and affordable source of capital for emerging markets. By leveraging the competitive advantages provided by the Arkadia Lending platform, we intend to branch out into the marginal areas of the market currently underserved or ignored by existing financial institutions. This will bring financing to many viable projects and allow retail investors to achieve higher rates of return than on the high street.