We consider cryptocurrency as a new perspective type of collateral that can change the market for secured loans tremendously. An important shift in the lending practices supports the growth of the crypto world beyond the limitations, providing individuals with increased purchasing power given by crypto backed loans. Institutional investors and family offices are always interested in new low-risk instruments with high profitability. And crypto owners wish to benefit from their digital assets and preserve them for the long term hoping to gain more value. The smart contracts on the eCoinomic.net platform will solve these needs. Crypto owners will get an opportunity to obtain fiat loans using digital assets as collateral. Institutional investors and family offices will explore a new mortgage market by issuing fiat loans to crypto community. 81% of the funds gathered during the Token Sale will be used to form the Reserve.