ZPER DECENTRALIZED ECOSYSTEM FOR P2P FINANCE

WHAT IS ZPER?

zper is a decentralized loan and investment platform based on blockchain technology. We aim at creating an innovative P2P finance ecosystem by combining industrial values of P2P finace and asset values of data all over the world. Zper platform will establish a P2P (peer-to-peer) finance ecosystem that transcends country and currency and thereby brings about innovation in the global flow of funds.

in zper ecosystem, participants who are necessary to provide a reasonable finace environment for both borrwers, e.g. P2P finace companies recognized by the ZPER Councils of each country, data providers, robo advisors, and NPL purchasers, are able to feely meet with each other, share values on the basis of trust, and receive fair compensation. Borrowers can then take out a loan with a lower interest rate than before while investors can enjoy a higher rate of return.

the emergence and development of blockchain technology has been undermining powers of central-ized service platform in a wide range of areas regardless of country and industry. Finance is a sector desperately in need of innovation, as are many exiting industries. It has been greatly conservative the industry's potential for revolutionary development.

MISSION

Zper's goal is 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 aims at creating a finance ecosystem that meets the following conditions:

• participation of global P2P finance companies that can be trusted
• voluntary provision of creative data necessary for borrower evaluation by data providers
• provision of sufficiently diversified global investment portfolios to investors
• investment that transcends the borders
• irreversible management of all bonds and contracts
• fair distribution of values shared by different participants

PROBLEMS

the P2P finance environment has generated a lot of positive results through innovative attempts. However, the existing p2P finance is still facing the following limitations.

• Difficulties in selecting P2P finance companies
• Difficulties in allocating safe and efficient portfolios
• Difficulties in liquidating investment products
• Difficulties in utilizing data for innovative credit evaluation

SOLUTIONS

zper will create an environment for stable investment and maximize the effectiveness of global capital distribution by solving problems of the existing P2P finance as follows.

• designing varios investment products through a global P2P finance alliance
• creating a transparent and sound investment environment based on a smart contract
• securing investment flexibilities by tokenizing receivables for P2P loans
• enhancing utilization of data through a reasonable compensation system

ECOSYSTEM

ZPER is a blockchain-based decentralized ecosystem where a wide range of individuals and companies engaged in P2P finance around the world the world can freely participate beyond borders. Participants of Zper can make transactions safely according to their needs and roles.

• Participants
• Investors
• P2P finance companies
• Robo-advisor companies
• NPL buyer
• Borrowers
• Data providers
• Further step – providers of expanded data 
• Zper committee
• Zper guardian

ZPER TOKEN

zper tokens act as a medium to maintain and activate Zper ecosystem. Ultimately, appreciation of Zper ecosystem will bring a range of participants and holders of Zper tokens with compensation accordingly.

TOKEN SALE

TOKEN ALLOCATION

FUND ALOCATION

ROADMAP

TEAM

MORE INFORMATION :

WEBSITE | WHITEPAPER | BITCOINTALK | 

TELEGRAM | TWITTER | FACEBOOK 

AUTHOR

BITCOINTALK USERNAMA & PROFIL : putradaerah