EthicHub PriceETHIX

What is EthicHub (ETHIX)?

EthicHub (ETHIX) is a transnational decentralised crowd-lending platform that directly connects investors from around the world with groups of unbanked agricultural producers. Built on the Ethereum platform, the project positions ETHIX as a token that bridges DeFi with the productive economy, moving beyond purely digital financial speculation to finance real-world supply chains and international credit. The platform is designed so that farmers do not need to deposit collateral, reducing their funding costs by a factor of ten, while investors gain coverage that minimises the risks of peer-to-peer loans. EthicHub has run a p2p lending operation for 30 months with coffee farmers in Mexico, reporting a 0% default rate and 500K USD funded. The ETHIX token has a maximum supply of 100 million, with a circulating supply of 70,480,464 ETHIX self-reported by the project, and it functions as an impact token within an Innovation Compensation system.

Key Specifications & Tokenomics

• Name: EthicHub
• Symbol / Ticker: ETHIX
• Blockchain / Platform: Ethereum
• Token Contract Address (Ethereum): 0xfd09911130e6930bf87f2b0554c44f400bd80d3e
• Category: Crowd-Lending, DeFi, Impact Token
• Max Supply: 100,000,000 ETHIX
• Total Supply: 100,000,000 ETHIX
• Circulating Supply: 70,480,464 ETHIX (self-reported by the project; CoinMarketCap's static registry lists 0, reflecting different reporting bases)
• Initial Supply (Presale 2018): 100,000,000 tokens
• Presale: 553 ETH raised (1 ETH = 5,000 ETHIX)
• Allocation:
  • 50M to the compensation pool
  • 25M issued asymptotically over 16 years
  • 5M to token sale participants and bounties
  • 10M reserved for staking by Lending Dev SL as credit originator
  • 10M reserved for the team and advisors, with a 4-year vesting period
• Launch Date: June 22, 2018 (platform); CoinMarketCap Listing: February 13, 2021
• Governance: EthicHub DAO
• Official Website: https://ethichub.com
• App / Platform URL: https://eth.app.ethichub.com/
• Whitepaper: https://docs-ethix.ethichub.com/v/english/
• Explorers: Etherscan, Ethplorer, Blockscout (Gnosis Chain)
• Source Code: gitlab.com/EthicHub
• Tags: Ethereum Ecosystem, Celo Ecosystem, Gnosis Chain Ecosystem

Who created EthicHub?

EthicHub's founding team is also known as the Originator "Genesis" of loans, having first funded the Chanjalé community in Mexico. The core team includes Jori Armbruster, CEO, Coordinator Node and Co-Founder; Pablo Chang, Co-Founder and Project Node; and Raul Martinez, Co-Founder and Technology Node. Rainer Aigner is also listed among the team. Joan de Ramón Brunet serves as Head of Growth at EthicHub and was interviewed at the AIBC Eurasia 2023 Summit. The project combines technical, coordination and growth roles within a decentralised structure, with the founding group acting as the initial credit originator before broader community participation through staking.

How does EthicHub work?

EthicHub operates as a decentralised crowd-lending platform in which investors from around the world fund groups of unbanked agricultural producers. Unlike conventional platforms, risk assessment is carried out by people who personally know the borrower, referred to as an Ethic partner or project collector. EthicHub describes itself as charging commissions only on success — that is, once the loan has been repaid — a model it presents as a differentiator. Farmers are not required to deposit collateral, which lowers their funding costs substantially, while investors receive coverage that reduces the risk of p2p loans. The ETHIX token underpins this model by providing crowd collateral to secure financing for smallholder farmers excluded from the traditional financial system. The token measures confidence in the system and rewards the actors that lower the system's risk, acting as the backbone of the platform.

Each loan project is proposed by a Loan Originator (Local Node), who recruits farmers and may provide inputs and services, and is validated by an Auditor — currently EthicHub itself — which assesses the Originator's impact and economic capacity.

Defaults are handled by a three-level Compensation System. The first level is ETHIX collateral deposited for the loan; the project states the system widely covers 1% of defaults by liquidating the corresponding amount of ETHIX in the crypto market.

What makes EthicHub unique and valuable?

EthicHub's core differentiator is its success-based commission model, charging only once a loan has been repaid, combined with locally performed risk assessment by people who personally know the borrower. The project reports a 30-month p2p lending operation with a 0% default rate and 500K USD funded to coffee farmers in Mexico. By enabling farmers to access financing without depositing collateral and reducing their funding costs by ten times, EthicHub addresses a gap that has kept supply chain and international credit outside the DeFi revolution. The ETHIX token introduces crowd collateral as a mechanism to secure financing for the unbanked, turning an impact-oriented lending model into a tokenised system that rewards risk-reducing participants. This combination of real productive economy lending and DeFi infrastructure gives the project a distinct position among impact tokens.

What is EthicHub used for?

ETHIX serves multiple functions within the EthicHub ecosystem. It is used to compensate possible loan defaults on the platform, acting as a buffer that protects lenders. Holders can stake ETHIX to become a credit originator on the platform. The token carries governance rights in the EthicHub DAO, allowing holders to participate in decisions. It can be used to obtain high quality coffee at a discount, linking the token directly to the productive economy it finances. ETHIX holders also share in the fees generated on the platform, creating an incentives loop, and the token can be added to liquidity pools to yield additional returns for its holders. Liquidity provision can earn additional returns but exposes holders to impermanent loss and ETHIX price volatility; fee sharing depends on platform activity and is not guaranteed.

How Is the EthicHub ecosystem developing?

The EthicHub ecosystem is built around the EthicHub platform, a transnational decentralised crowd-lending service, and the EthicHub DAO, which provides governance for ETHIX holders. Lending Dev SL acts as a credit originator entity that stakes ETHIX. The primary borrower community consists of coffee farmers in Mexico, with the Chanjalé community being the first to receive funding from the founding team. EthicHub began making P2P loans to unbanked farmers in June 2018 and operated for more than two years without a token before ETHIX launched on Balancer on December 22, 2020. Documentation and blog resources, including the GitBook documentation and the blog post "The Ethix Token in action" published on September 10, 2024, support ongoing development and transparency. ETHIX trades on decentralized venues including Uniswap and Balancer, and on the Bilaxy ETH/ETHIX pair.

The #1kilo1ethix community campaign launched in April 2021; as of the September 10, 2024 update, 100,811 ETHIX had been made available through the initiative.

How to mine EthicHub?

ETHIX is not mined through proof-of-work. It is an Ethereum-based token with a fixed maximum supply of 100 million. Instead of mining, participation in the network revolves around staking. Stakers (Guarantors) deposit ETHIX as collateral for a loan project and receive ETHIX rewards for supporting it; the Loan Originator also deposits ETHIX collateral, and the Auditor (currently EthicHub itself) validates the project. Defaults are covered by liquidating the corresponding ETHIX in the crypto market. Holders can stake ETHIX to become a credit originator on the platform, and 10 million tokens were reserved for staking by Lending Dev SL as credit originator. Staking supports the platform's risk and collateral model, and ETHIX can also be added to liquidity pools to earn additional returns. The token's supply is largely pre-allocated, with 25 million issued asymptotically over 16 years, so acquisition typically occurs through trading venues or platform participation rather than mining.

How to keep your EthicHub Coin safe?

Because ETHIX is an Ethereum-based token, it can be held in wallets that support ERC-20 assets, and the contract address should always be verified before interacting with the token. The wallet provider Phantom flags the Ethereum contract 0xfd0991…0d3e as unverified and advises users to interact only with tokens they trust (phantom.com). CertiK token rating: 3.5 out of 5 (per CertiK). Investors should be aware that investing in crypto assets is not regulated, may not be suitable for retail investors, and carries the risk of losing the total amount invested. Best practices include using hardware wallets for larger holdings, never sharing private keys or seed phrases, double-checking contract addresses, and treating pricing information as informational only rather than financial advice.