EMP Token Sale – Q3 2021

At best, this is possible independent from conservative institutions. The time has come to free ourselves from unnecessary paperwork and old structures while maintaining a balanced use of resources. Therefore, we leverage modern toolkits to form holistic resource pools that enable ideas to collect funds and realise their roadmap.

To fulfil our vision, we strive to enable impact investing via token economics. This is beneficial for all stakeholders. Investors get their hands on structured assets which are tradeable, divisible, resource-efficient and guard against third party risk.

Thereby, we contribute to the foundation of our carbon-neutral future. For us to achieve this dream in practical terms, it is necessary to institute a legal organization to comply with regulatory requirements. Down the road, we aim to establish a public good organization which supports sustainable products, startups and projects to shape the future of a greener economy.

In 2020 we reach out to European citizens to co-create a legally compliant framework which is modern and practical. All citizens and activists are encouraged to fund or promote their favourite projects that provide self-measurement on how they impact carbon emission.

We bring high return alternative investment opportunities to any investor, anywhere in the world, with no investment minimums.

The App
hiveonline is the financial trust platform for small businesses. As a small business owner, you can share decisions, contracts, authorisations and payments with your customers, lenders and suppliers via mobile, removing uncertainty and complexity.
Your customers, lenders, suppliers, authorities and other businesses need to know you can be trusted so we take the administration and burden of proof away with our tailored ratings, which are based on what you’ve delivered, rather than biased reviews.
Because we run on blockchain rails, with a reputation system based on behaviour rather than bank records or government ID, we’re ideally placed to bring financial inclusion to micro and small businesses who don’t have access to banks, so alongside our platform for Nordic customers, we’re launching financial ecosystem support for the millions of unbanked businesses in developing economies.

eArziki – Digitalising Village Savings and Loan Associations

hiveonline community finance builds the bridge between informal financial communities and the financial system. We dramatically reduce the cost and risk of lending or other financial services to informal businesses and savings groups like CARE’s VSLA. Our reputation system treats everyone fairly: borrowers get a score based on their financial behaviour; lenders on their performance and treatment of customers. Groups can borrow as a community.

Poor communications infrastructure, typical in rural Africa, isn’t a problem, because it’s designed for low data use and low connectivity. It runs on any phone with a browser, so users don’t need smartphones. There’s an offline mode for the most remote communities, so they can transact without any connectivity. Fully traceable transactions give confidence to lenders, aid programmes, and investors.

hiveonline unlocks access to affordable credit, insurance and savings for communities in the informal economy.

Build on Celo
Celo is a platform that is open and open-source, allowing for an ecosystem of powerful applications built on top, including easier cash transfer programs, peer-to-peer lending, collaborative small-scale insurance, and other digital assets and wallets.

Earn with Celo
Celo increases access by enabling anyone with even a simple Android smartphone to participate and earn Celo for decentralized verifications.

Mobile-First Platform
To create a truly inclusive financial system, we started by building an infrastructure to serve those excluded from the current system. Celo’s protocol includes unique features that create a seamless user experience on mobile phones.

During the first quarter of 2018 Zlto introduced a real-time data dashboard that supports organisations and companies seeking a way of tracking the positive behavior of their own users.

Mission/Vision:

Arcadia empowers NGOs to offer “identityless”, peer-to-peer cash transfer and other financial services to refugees. Our impact goals are threefold:

1. Increase operational efficiency and revenue for NGOs
2. Enable refugees and donors to connect with each other on a peer-to-peer level
3. Enable refugees to have free agency to start businesses, transfer and receive cash, and administer their money as they see fit.

We believe these three goals support the vision of our company: independence and self-agency for refugees, a better integration with their host communities, and a welcoming society that embraces refugees as valued, equal contributors.

• It is built on a secure, scalable, and reliable blockchain;
• It is backed by a reserve of assets designed to give it intrinsic value;
• It is governed by the independent Libra Association tasked with evolving the ecosystem.

The Libra currency is built on the “Libra Blockchain.” Because it is intended to address a global audience, the software that implements the Libra Blockchain is open source — designed so that anyone can build on it, and billions of people can depend on it for their financial needs.