The sphere of lending in the world of finance is now one of the most demanded, and millions of people around the world have daily need for credit funds, but face various problems. The traditional banking system as a whole has not satisfied all the requirements of the present for a long time, charging a high interest on the loan and demanding payment of other costs from borrowers. An advantageous interest rate can be obtained only if a borrower has an impressive pledge that ensures the bank's confidence. Also, it is not always possible to expect a decision on approval, which is sometimes delayed for a long period of time.
These problems of the industry were resolved by ZPER, which is a decentralized system that provides credit and other financial transactions for users around the world, ensuring data reliability and process transparency. This is facilitated by the use of smart contract technology. The company offers users the services of extremely reliable, global financial organizations that are in an alliance with the company. By joining this alliance, users also have the opportunity to exchange data and other values with the platform participants, thereby creating a secure and trustful environment for borrowers and credit organizations.
The main problem of the established banking system is its conservatism, especially when it is necessary to approve a loan. Thus, people with low incomes who do not have formal work, without credit history, students, immigrants, etc. do not have the opportunity to get a loan of cash. Either it is provided to them with such a high percentage that the amount to be repaid is much higher than that which was received.
The P2P financing system is an excellent solution, which the ZPER ecosystem offers. Thus, it will be possible to manage risks and pass all necessary checks. Organizations with credit cards have the right to show data on sales results, and various small businesses can take advantage of feedback from their customers, for example, in the application, which in the end is a worthy credit history for P2P, which gives additional points for approval. In cases with students, you can use almost any data about your training, for example, grades, scores, etc. For representatives of large firms or businesses, the situation is even simpler and a document on wages or other profit is sufficient. P2P carefully checks not only the borrowers, but also the providers of money, to make sure of their reliability and ensure the security of a transaction.
P2P representatives are the members of companies that have long established themselves as person with a positive reputation in the world of finance and have an impressive experience. For their activities, they will take a number of ZPER tokens, so they are reliably linked to the platform and have every reason to be credible.
ZPER own tokens, which the company produces, are necessary for the implementation of the platform itself, its maintenance and further development. To the large extent, both the participants in the system and the holders of ZPER tokens get various compensations and additional advantages. To confirm its reliability and seriousness of intent for the ZPER system, it is necessary to have a certain number of company tokens on the account at the initial stage - the amount depends on whether the subject is individual or relates to business.
Modern credit system does not always cause trust, but often the need makes use of its services, despite the fact that the benefit in the end turns out to be minimal. ZPER offers a convenient solution where any person can receive a loan of money within the platform regardless of their location, status, credit history and other data. At the same time, P2P crediting process turns out to be reliable for all parties to a transaction, and automated algorithms ensure full transparency of processes within the system.
Website: https://zper.io/
Whitepaper: https://zper.io/paper/Whitepaper_Eng.pdf
Telegram: https://t.me/zper_kr_official
Facebook: https://www.facebook.com/ZPERplatform
Twitter: https://twitter.com/zper_team
Medium: https://medium.com/@zper
ANN: https://bitcointalk.org/index.php?topic=3218843
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