The very basic of the finance industry can be summarized as a traditional bank taking in deposits from its community and lending it to those who need it. Peer-to-Peer (P2P) finance was born to revive this tradition by linking online communities of borrowers and savers, promising much more convenient, fast and transparent transactions.
The premise of P2P lending is simple. They are online marketplaces where people lend money to other people. Now these online marketplaces have the technology to underpin the deal. P2P companies will run credit checks on borrowers, match them with just the right lenders and keep track of their payments. Since they operate online, they can run with lower overhead and therefore provide the service cheaper than the traditional banks can.
In 2005, the world’s first P2P finance company, Zopa Ltd. was founded in the UK with a promise of revolutionizing the financing industry by stripping it down to basics — connecting people who needed money with people who had it to invest. Since the first P2P enterprise, over the past decade P2P financing has spread throughout the western world and finally became a global phenomenon.
The P2P industry has been growing rapidly since it appeals to not only individuals and businesses, but also to a vast number of those that are deemed “unbanked.” According to Research and Markets who provides market research and data services, the world’s P2P finance market will grow by 53.06% annually from 2016 and 2020. In the meantime, one Morgan Stanley annual report predicts that by 2020 the global P2P market will become a 490 billion-dollar business.
As such, the concept of P2P finance has been around, but recent technological development – especially blockchain – makes this form of borrowing and lending money much more widespread by further lowering the costs and increasing access and efficiency.
Against this backdrop, P2P financing has now added a new twist with a decentralized P2P finance platform, ZPER. The platform has its basis on blockchain technology and will transcend borders and currency limitations, generating innovation in the global P2P market.
ZPER is Decentralized Ecosystem based on Blockchain
If you heard the news about some early investors of cryptocurrencies who became a millionaire or know a friend or two with Bitcoin regrets, you are not alone. However, instead of the skyrocketing price of Bitcoin or Ethereum, it is blockchain – the major technology behind the phenomena – that matters more than the hype or the excitement around cryptocurrencies.
ZPER provides a decentralized P2P finance platform based on blockchain technology. The platform utilizes the blockchain to perform “Smart Contract” which is just like real contracts but in the digital world. Smart contracts are executed automatically when certain conditions are met, and their terms between buyers and sellers are directly written into line of codes. Thanks to smart contracts, information can be stored and transferred in an extremely safe, decentralized network of computers.
In addition to being safe, smart contracts reduces the need for third-party moderation, hence decreasing the related costs. It also eliminates the risk of disputes in advance, since they set out roles, obligations, and rights of each participant and make an investment contract effective upon its conclusion.
ZPER as a decentralized P2P ecosystem has a goal to enhance and expand value chains in the P2P finance market and provide all participants with reliable and reasonable trade opportunities. To this end, ZPER is creating a financial ecosystem with reliable P2P companies, diversified global investment portfolios to investors, and fair distribution of values shared by participants.
ZPER’s founders have been creating such an innovative ecosystem by combining industrial values of P2P finance and asset values of data all over the world. They have been also experimenting with “union investment pooling” method in order to solve problems with ordinary P2P financial companies.
ZPR is Open to You!
Then how does ZPER make its ecosystem a reality? ZPER is now offering ZPER tokens.
ZPER tokens (ZPRs) are a currency that maintains and facilitates the ZPER ecosystem. As a medium of exchange, ZPR enables prompt and transparent fund transfers among participants all around the world since ZPR transcends physical borders unlike currencies. For instance, you can make P2P investments, compensate data providers, or pay fees for NPL buyer commissions with ZPRs, regardless of location and time.
Want to get your ZPR? The opportunity is open to you now!
ZPER has already completed pre-sale and event-sale, and prepares to launch their main sale, which will start on 16th Apr. 05:00 UTC.
Token Sale Term
Main-Sale Starts: 16th Apr. 05:00 UTC.
Total Issuance: 2,500,000,000 ZPR
ICO Issuance: 2,200,000,000 ZPR
Coins to sell: 1,100,000,000 ZPR
Hard Cap: 48,000 ETH
Soft Cap: 5,000 ETH
Currency Accepted: ETH
Visit the official telegram group to join the talk about ZPER here.
The company has published their white paper and one pager to help you further understand the project in more detail. Please see here.
Interested? Then please register your KYC here and mark 16th of April in your calendar!
Company name: ZPER
Company site: https://zper.io
Contact: master@zper.io
Facebook: https://www.facebook.com/ZPERplatform
Twitter: https://twitter.com/zper_team
Onepager: https://zper.io/paper/Onepager_Eng.pdf
Whitepaper: https://zper.io/paper/Whitepaper_Eng.pdf
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