# Heiko finance personal opinion By [Timkot](https://paragraph.com/@timkot) · 2022-04-16 --- My acquaintance with the Parallel Finance project turned out to be accidental. While reading one of the Telegram groups related to cryptocurrencies, I came across a link that leads to the site [https://parallel.fi/](https://parallel.fi/) After scrolling through the site, I went to the About Us page. I realized that the team is young, they started the project only in 2021. Immediately for myself, I realized that I would follow this project, tk. he is associated with the parachains of Kusama, who in turn is the younger brother of Polkadot. Recently, I have been deeply studying projects, and I did not know that the Parallel Finance team was participating in the second round of the auction with the Heiko Finance project, and also began to participate in the Polkadot auction. I immediately subscribed to all social networks, connected to their Discord. I was immediately struck by how administrators and moderators communicate with ordinary people, answer questions of interest, and also keep in touch at any time of the day. I liked the AMA meetings very much - the atmosphere is very favorable, the people who promote this product are “burning” with this project and believe in it. I also liked that a lot of users who finance show the work of the project on their mobile phones. I immediately began to study more thoroughly the product, which funds it is and who is investing in it. I was very inspired that the founder and CEO of Parallel Finance, Yubo Rouen, is a young, ambitious guy who is only 24 years old, about 3 years old, is an investor in the Polkadot ecosystem and graduated from Stanford University, as well as a large and young team. For myself, I realized: Parallel Finance is a decentralized marketplace that offers lending, betting and borrowing in the Polkadot ecosystem. Investors can make loans and bets at the same time, making a profit on their deposits. while lenders can collateral for the loan. Isn't it a classic bank, only in the modern world of cryptocurrency and the progressive Polkadot blockchain? This system has tremendous promise, a huge community, a ready-made product treatment. The active development of the Polkadot network is necessary to have a lending protocol, placement of rates, provision of loans and earnings. I am betting on this product and will support Heiko Finance on the Kusama network and Parallel Finance on the Polkadot network. I will support and promote the product by all available means, as well as recommend all my friends to participate in the Kusama auction by investing in the Heiko Finance project. I expect from the global growth project that the project will win the Kusama auction and that will give it this additional development impetus. I also look forward to the release of the Polkadot auction and the participation of the Parallel project in it. I also want the team and community to remain as friendly and responsive to any question. I do not want to use the project only for my own benefit, but in the long term I want to increase capital and enjoyment from participating in it. --- *Originally published on [Timkot](https://paragraph.com/@timkot/heiko-finance-personal-opinion)*