The main purpose of the MONETO is to provide an opportunity for registered users in the system to obtain a currency for a specified period, and then, without significant transaction costs, return the crypto-investment. Given that there are no risks on the part of the system since all loans are collateralized, the project will be able to open wide opportunities for potential investors. After all, the investments made within the ICO in the online lending MONETO will be completely risk-free.