L-Pesa (Kripton) - Smart Loan Contract

Microfinance has a long history throughout the world and over the centuries has fulfilled an important need. In fact, various forms of microfinance had a major impact on economic developments in Western Europe in the 18th and 19th centuries. In the last 50 years, microfinance has begun to impact in Asia and Africa through organizations such as Grameen Bank.

However, traditional microfinance has limited reach, and solutions have been targeted to poor farmers and small business owners. Middle-class consumers and business owners in developing countries have unfulfilled credit demands, but the current financial infrastructure in these countries does not support guarantee credits.

What is L-Pesa?

L-Pesa Microfinance is a fintech startup ready to take advantage of the rapidly evolving world financial services needs. The company has validated its operating model over the past 24 months and has built up advanced technology, automating most operations. The main obstacle to the current growth is its ability to fund acquisitions and lending users. Ratio of losses on loans is below 10% while loan repayments are around 25%.

The idea for L-Pesa was incubated for a decade, and business was launched at that time four important market forces gathered to allow scaling:

• Great Data, Artificial Intelligence & Blockchain
• Alternative Credit Data
• Mobile Technology
• Biometric identity

L-Pesa has leveraged this market power and built proprietary credit technology and modeling models that enable it to microlend quickly in developing countries while maintaining a loss ratio below 10%. The solution is highly automated, enabling small back office teams to support high-volume credit origi- sions. All loans are serviced by L-Pesa.

L-Pesa has a strong focus on automation. 95% of the acquisition and acquisition process as well as underwriting by automatic users are highly scalable. The company has spent two years developing a customer-facing system and back office system using a team of seven software developers. The user experience is based on the mobile and web interface, and marketing is mainly done through social media and SMS.

The pile of L-Pesa technology is built on Amazon Web Services, a highly scalable on-demand cloud computing platform that has or has been used by major brands such as Netflix, Airbnb, Pinterest, and Spotify. L-Pesa has integrated a number of third-party applications to perform tasks such as SMS messaging, user verification, and marketing. Fund transfers are handled through integration with mobile money service providers such as M-Pesa, Airtel Money, Tigo Pesa, and MTN.

L-Pesa has issued more than 38,000 loans since it aired in March 2016. More than 170,000 users have signed up under a social marketing campaign with a minimum budget. The marketing strategy has been refined over the last 24 months, and L-Pesa is now ready to launch a marketing campaign via SMS and social media with a conservative projected $ 1.00 conservative project cost estimate.

Project Vision

L-Pesa L-Pesa was established with a vision to improve people's lives through efficient access to credit and related financial services. It's about making the world a better place for everyone. L-Pesa began offering microfinance services in Tanzania in 2016 and has developed its service offerings and geographic footprint at an ever-increasing pace in pursuing this vision.

Krypton Token (LPK)

Krypton Token is built on Blockchain Ethereum which allows its holders to use L-Pesa financial tools at low cost.

Details of Token Sales

Token Sales Schedule April 10, 2018

Purchase of Ethereum Token, Bitcoin

Total Supply Tokens 2,600,000,000 LPK

More Information, Please Visit:

Website: https://l-pesa.com/

ICO Website: https://kriptonofafrica.com/

Whitepaper: https://kriptonofafrica.com/static/pdfs/L-Pesa%20ICO%20white%20paper%202018.pdf

Facebook: https://web.facebook.com/lpesaico

Twitter: https://twitter.com/lpesaico

Telegram: https://t.me/lpesaICOcury

Profile Bitcoin: sinyocall ( https://bitcointalk.org/index.php?action=profile;u=1851671 )

wallet :   0xFfa8CCDD722c08400465410A3cee356Ff366b6c7