L-PESA - CREDIT AND FINANCIAL SISTEM
What is L-PESA?
L-Pesa created a smart blocker-based contract loan, allowing people across the internet to grow their business and become successful entrepreneurs. Powerful visionaries can take loans in Ether or Bitcoin and then participate in the L-Pesa stolen market that facilitates peer-to-peer lending: the first crypto loan service in Africa.Africa is a huge continent, where more than a billion people live. From an economic point of view, this is a very promising area. Now there are more solutions to improve the quality of life of the hottest continents. One of these ideas will be discussed in this article. The L-Pesa project is a crypto financial exchange platform. L-Pesa will enable African residents to not only use money transfer and withdrawal services, but will also provide the opportunity to receive micro-loans without filling out a large number of documents, avoiding the long wait for a response from the bank. All you need is to have a phone with a mobile app.This project is capable of making a truly revolutionary breakthrough. That's why participation in ICO L-Pesa can be a very good investment. The team will release their own Kripton token, which has all the chances for a great future. Perhaps the truth is in the creator's statement: "L-Pesa - bitcoin for Africa" is. Therefore, everyone can join the company.
L-Pesa Service System
1. Users register accounts in L-Pesa, often in response to social issuesmedia messages or SMS marketing messages. Over time, L-Pesa expects a large number of accounts to come from existing user referrals.
2. Users add documentation to their L-Pesa account, usuallyidentification documents such as driver's license or passport
3. Users register accounts in L-Pesa, often as a response to social media messaging messages or SMS marketing messages. Along the time, L-Pesa expectsthat a large number of account openings will come from referrals from existing users
4. Users apply for initial loan, usually for local equivalent to $ 1.00. In many cases, this app automatically
5. The next loan application is handled in the same way: automationBased on the user's credit score is the key to success and scale
6. Once the loan is approved, the disbursements are processed in real-timemobile money services such as M-Pesa or Tigo Pesa.
7. Users are given a payment plan and are expected to do regularpaying loan. Repayment is also made using mobile money service. Users can make prepay without penalty. Payment arrears willimpact the user's credit rating and will generate an automated message to the user. Handling delinquency is very efficient, resulting in a loss ratio of less than 10%.
8. User support is handled by the L-Pesa back-office team in Tanzania. User support is available in English languageTarget marketThe L-Pesa market target is a market of 40% of the population in the continent of Africa, India and southeast Asia. Its population is 3 billion and the population is growing very fast. Indiais at 92% penetration and many African countries are above 70%. L-Pesawork on smartphones and feature phones. L-Pesa relies on mobile money service providers for liquefaction and collection, making the process quick and efficient. Many countries were initially targeted by L-Pesa to have a high proportion of un-banked service populationson mobile money like M-Pesa is a good choice. India has a higher levelpercentage of population with bank accounts, and Aadhaar biometric IDThe database is now connected to the bank account, making the disbursement andCollections in India are potentially very efficient in the near future.Dependency on African money service users restricts L-Pesa usersbase for users with mobile money service wallet. Until mid-2017, thereabout 170 million wallets are used in Africa. In India, more than 1 billionAadhaar users have contacted their bank account.The available L-Pesa market will far exceed L-Pesa's loan capacityand all its competitors in the upcoming mnsa. Limiting factor forGrowth is not expected to allow users to try L-Pesa but vice versaavailability of capital for loans.
The key business model of L-Pesa is:
● A highly automated back office system that allows virtually complete task automation tasks
● Integration with mobile money providers to obtain efficient loansdisbursement and collection of payments.
● The process of loan origination is very efficient - fully online and almostfully automatic
● A proprietary credit rating model that has been adapted forThe first 35,000 lending issued by L-Pesa is resulted in a loss ratio below 10%.
L-Pesa technology builds 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 itself 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, allowing a small back office team to support high volume loan origination. All loans are serviced by L-Pesa.
Token L-Pesa
Token nаma: KRIPTONToken ticker: LPKOwner Token: L-Pesa Internal Business ltd., Gibraltar.
Financial Auditor:
Token type: Ethereum ERC20Totall Token issued: a maximum total of 3,200,000,000. The final amountthe token will be calculated as the final contribution amount.The final number will be issued at the end of ICO.Bonus: during the pre-sale period, the participant will meet the shirt forthe following bonuses:A. Tier1 - During the first 4 days - 15%b. Tier2 - Selawa the next 14 days - 10%c. Tier3 - Over the next 28 days - 5%d. Tier4 - Over the last 14 days - 0%Day bonus amountAirdrop for 30 days no bonus, Presale 30 days 25%, Level 1 4 days 15%, Level 2 14 days 10%, Level 3 28 days 5%, Level 4 14 days 0%
Token distribution
57% Public (from all created tokens),Team and Advisory 20%,Bounties Program 1%22% Reserve (airdrop)Locking period: L-Pesa underwent 12 months of confinement.Transfer Token: Token will be transferred to buyer upon payment of ICO confirmation / settlement. Token will be activated only after ICO completion. Furthermore, token transfers are only availableperhaps after the completion of the ICO.Intelligent Crowdfunding ContrastThe campaign will have two general stages:- Presale, where the minimum contribution amount will be setup to 5 ETH and bonuses offered will be 25%. Presale will take place for30 days.- General sales, where there will be no minimum contributions and bonuses offered as follows:a. During the first 4 days - 15%b. Over the next 14 days - 10%c. Over the next 28 days - 5%d. Over the last 14 days - 0%Public sale will last for 60 days.The minimum funding objective (soft cap) is $ 5,000,000 and the maximum of funds received (hard cap) is $ 25,000,000. One token tentative price is USD 0.01.Let's join before the pre-sale token!You will get 1,000 coins ($ 18.00) for free directly to your walletCoins automatically exchange tokens when distribution begins.Sign up below to get your free coins right now!
You will receive 1000 tokens ($ 18.00) free of charge right in your wallet, the tokens will automatically exchange tokens when the distribution begins.
Subscribe below to receive free coins!
For more information, visit the official website here:
Website: https://kriptonofafrica.com/
technical document: https://kriptonofafrica.com/static/pdfs/L-Pesa_ICO_white_paper_Jan_7_2018.pdf
ANN: https://bitcointalk.org/index.php?topic=2873068.0
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twitter: https://twitter.com/LPesaMicrofin
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