# What is MyConstant (MCT)?
[MyConstant](http://myconstant.com) is a financial platform based in the US and Vietnam offering a series of crypto investment and lending products. Since founding in 2019, it has expanded its services beyond peer-to-peer lending, to a range of other financial products and now [supports over 200,000 customers](https://www.myconstant.com/statistics) around the world.

Its native token, [MCT](https://www.myconstant.com/mct), was [launched in May 2022](https://www.myconstant.com/blog/mct-token-ushering-myconstant-into-the-metaverse-era/), with the aim to further the development of the platform. Its holders enjoy special privileges in the form of a membership program, which is designed to encourage community involvement. Its ultimate goal is to become a [financial ecosystem](https://www.myconstant.com/files/MyConstant-Token-Whitepaper.pdf) for all digital assets.

**Who are the Founders of MyConstant?**

The company was founded by [Duy Huynh](https://www.linkedin.com/in/duyhtq), a tech entrepreneur in 2019. Duy has a proven track record in computing and software, winning the USA and Vietnam Computing Olympiad. Prior to founding MyConstant, he was a software architect at IBM.

The day-to-day running of MyConstant is conducted by CEO [Zon Chu](https://www.linkedin.com/in/zon-chu-cz/). Zon has over 15 years experience as a full-stack developer, project manager and technical director at major US and Asian companies. The award-winning team itself has undergone rapid growth since 2019, and MyConstant now has over 50 employees working around the globe.

**What Makes MyConstant Unique?**

MyConstant is designed to be accessible to investors and borrowers from all backgrounds. It offers a variety of products and services which supports people to achieve their financial goals. 

MyConstant features include:

* [Crypto lend](https://www.myconstant.com/lend-crypto-to-earn-interest): Lend selected cryptocurrencies and earn up to 15% APY.
* [Crypto-Backed Loans](https://www.myconstant.com/sign-up-borrow): Users can use their crypto as collateral to borrow USD or another crypto for as low as **0% APR**.
* [Fixed-term investments](https://www.myconstant.com/lend-money-online-to-earn-interest): Users can lend USD and earn up to 7% APR.
* [Crypto Swap](https://www.myconstant.com/crypto-swap): A quick and easy way to exchange your crypto.
* [MCT Staking](https://www.myconstant.com/mct-staking): Holders can stake MCT for up to 18% APR for fixed terms of up to six months.
* [Futures](https://www.myconstant.com/predict-cryptocurrency-prices-to-win-cash): Offers a way to make profit (or a loss) by predicting the crypto market. 
* [Short-Selling](https://www.myconstant.com/short-selling-simple): Allows users to make a potential profit when their selected crypto price falls.
* [Lending Lottery](https://www.myconstant.com/lending-lottery): A lottery based on the UK’s Premium Bonds model, earning users 1% APR plus prizes of up to $10m.
* [Debit card](https://www.myconstant.com/debit-card/landing): A virtual card that allows MyConstant account holders to spend directly from the platform. (For US-based customers only)

As a reward for its customers, MyConstant has set up [a membership program](https://www.myconstant.com/membership) that incentivizes users to use its platform. The membership is split into a tier system, depending on how many MCT the user holds. In essence, the more MCT the user has, the greater the rewards.

They include:

* Crypto Lend: Earn up to **15% APY**.
* [Crypto-backed loans](https://www.myconstant.com/sign-up-borrow): Pay from just **3.6% APR**.
* Fixed-term investments: Earn up to 8.4% APR.
* Crypto Swap: Up to 90% discount on swapping fees.
* Lending Lottery: Earn up to 1.2% and up to 4 extra tickets for every $2,000 invested.
* Referral program: Earn up to $20 and up to 20% of referee’s interest.

MyConstant also commits to rewarding 50% of MCT to its community, to further incentivize participation in the platform.

**How Many MCT Coins Will be in Circulation?**

There are currently 149,000,000 MCT in circulation. MyConstant will ultimately release a maximum of 900,000,000 MCT, to be released in stages between every 3 to 6 months for up to 4 years. 

The [tokenomics](https://www.myconstant.com/files/MyConstant-Tokenomics.pdf) are split to serve the MyConstant ecosystem. The distribution will be as follows:

* **Investment and seed funding:** 20% of max supply (180,000,000 MCT)
* **Core team:** 20% of max supply (180,000,000 MCT)
* **Treasury:** 10% of max supply (180,000,000 MCT)
* **Community:** 50% of max supply (450,000,000 MCT)

20% of the total (180,000,000 MCT) will be dedicated to token sales for investment and seed funding. Another 20% will be given to the core team, with 10% (90,000,000 MCT) committed to financial safekeeping and backup funds. The remaining 50% (450,000,000 MCT) will be rewarded to the MCT community.

**How is MyConstant secured?**

The MyConstant network ensures your data is secure by a number of mechanisms, including two-factor authentication (2FA) and require passwords that are difficult to hack. We also hash your passwords using SHA-256 - a one way encryption code that cannot be decrypted to protect your data.

MyConstant’s native token, MCT, is a utility token issued on the Binance Smart Chain (BSC). Therefore MCT is secured following BSC policies - which you can read more here: https://coinmarketcap.com/alexandria/glossary/bep-2

**Where Can I Buy MCT?**

If you’re outside the US, you can easily **[buy MCT on our website](https://www.myconstant.com/buy-mct)**. Simply go to the “Buy MCT” page and follow the steps there. You’ll be able to get your MCT in minutes.

If you’re in the US, then you’ll need to **[buy MCT on PancakeSwap](https://pancakeswap.finance/info/token/0xe43b00b078463ca246d285be1254767da0003cc8)**.The MyConstant team has a useful guide on **[how to do it](https://www.myconstant.com/blog/how-to-buy-mct-token-on-pancakeswap-a-quick-guide/)**. 

By hodling MCT on MyConstant, you will be able to enjoy the full benefits of membership, including earning up to 15% APY on your crypto - in real time.

MyConstant

P2P lending enables you to invest in people and businesses around the world for up to 12.5% APY. Or borrow against 80+ cryptocurrencies from just 0% APR.

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