A new investment structure called First Loan Acquisition (ILP) can solve these problems to some extent and slowly begin to adopt. ILP is actually a universal digital loan agreement that uses knowing your customer (KYC) smart contract technology, a way to target a company rather than a specific cryptocurrency . A loan agreement means that investors can receive interest on company performance and trade these loans in a manner similar to cryptocurrency. Because ILPs are more secure and because they can be sold to other investors like stocks, they provide investors with a safer way to invest in new cryptocurrency or blockchain companies. The best practitioner of ILP is Blockhive. This is an Estonian blockchain incubator that issues the ILP protocol instead of the traditional digital currency. The pass obtained by Blockhive's investors can be used as a creditor agreement, which means that these agreements can be traded like other digital assets, but they can also allow investors to jointly own 20% of the company's profit ownership.