ZPER Is A 'Decentralized P2P (peer-to-peer) Financial Ecosystem

What is ZPER?

ZPER is a 'decentralized P2P (peer-to-peer) financial ecosystem using intelligent contract technology. P2P lender companies and leading robo advisers have united to provide a revolutionary method of fund transactions between borrowers and lenders around the world.

P2P Financial Alliance

Verified global P2P loan companies, information providers, and robo advisers are part of the ZPER Alliance. The Alliance, which allows participants to freely interact and exchange values, provides a reasonable financial environment for borrowers and lenders.

All participants will be given a fair prize for their contribution.

Cross-border transactions

ZPER connects borrowers and lenders regardless of their country's currency. Lenders reap higher yields, while borrowers receive loans at low interest rates.

Risk Management by Robo-advisor

The internationally recognized Robo-advisor algorithm is a global investment portfolio. The algorithm is then used to reduce investment risk and provide security through investment diversification.

NPL Buyer
These people (or institutions) promise to buy problem loans. They serve as guarantor for investors.

How do they do this?

They check the blockchain for loan information and apply based on the suggested rate that will guarantee the purchase. Loans that offer the best conditions through smart contracts will be selected. Individuals or institutions that promise to buy NPLs are usually required to pay a certain amount as a deposit. This is to prove the performance of their commitment.

Borrower
As the name implies, they are individuals, companies or businesses that apply for loans. While individuals do it for a variety of reasons that include, educational or housing costs, the company does it to raise money for business management or early funding.

They can apply their applications directly to P2P finance companies. Another option is to use a web or app service (Android and iOS) available on the Zper platform.

The Zper ecosystem also includes data providers, which provide alternative data generated inside and outside the ecosystem, Zper committees and Zper guardians. To have a better understanding of the Zper ecosystem, look at whitepapers.

ZPER Token (ZPR)

Distribution

Sales and Distribution of Zper Tokens

Total issuance in token sales is 3.500.000.000 ZPR. However, only 2,200,000,000 ZPR will be available for ICO, with pre-sales and crowdsale claiming 1,100,000,000 ZPR. While 50 per cent of tokens are allocated to token sales, the ecosystem should receive 22.3 per cent of tokens.

Seventeen percent of tokens will be allocated to the team behind the project and the advisor, while 10.7 percent goes into the reserves.

Hardcap and softcap are 48,000 and 5,000 ETH respectively. And the cryptocurrency received for the sale of this token is Ethereum.

Budget allocation

A larger percentage of the funds go into research and development, 40 percent of the funds to be exact. Strategy partners should receive 20 percent and 16 percent for business development.

Finally, the remaining 24 percent is used for operations and marketing, with marketing receiving a larger percentage of both (13.3 percent).

Team