Lending – PositiveBlockchain.io

Hiveonline

Maciej — Sat, 25 Jan 2020 23:19:53 +0000

hiveonline is a scalable platform designed by an experienced team of banking and technology professionals, led by banking expert Sofie Blakstad and based in Copenhagen, Denmark and Stockholm, Sweden. Together, we are partnering with financial institutions, industry bodies, NGOs and governments to help the smallest businesses in developed and developing economies. We think that building and running a small business shouldn’t be as difficult, painful and risky as it is today and our goal is to make the future a fairer place to work.

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.

Suretly

Ronald — Sat, 06 Jul 2019 22:00:00 +0000

Reading Time: < 1 minutes

Dharma

Paul — Sat, 06 Jul 2019 22:00:00 +0000

Dharma is a protocol that enables decentralized origination, underwriting, issuance, and administration of tokenized debt assets in a highly generic and unopinionated construction. The protocol aims to build a common informational interface by which exchanges, brokerages, and traders can reasonably price a tokenized debt’s default risk without having to rely on a singular centralized data broker. The Dharma debt issuance scheme leverages two classes of utility players that compete in distinct marketplaces for compensatory fees — underwriters and relayers. The former are trusted originators and assessors of debtor default risk, and the latter facilitate the funding and issuance of debts in a trustless manner. Both can be empirically evaluated on historical asset performance, and, as such, markets have lucid signals with which to evaluate the default risk of tokenized debts attested to by any given underwriter or relayer. The Dharma debt issuance process only requires one on-chain transaction to execute, and is heavily inspired by the mechanics of the 0x Protocol.

SALT

Paul — Sat, 06 Jul 2019 22:00:00 +0000

Reading Time: < 1 minutes The SALT Lending Platform allows holders of blockchain assets to leverage their holdings as collateral for cash loans. SALT is the first asset-backed lending platform to give blockchain asset holders access to liquidity without them having to sell their cryptocurrencies. SALT provides investors with an innovative and secure opportunity to lend against a high-growth asset […]

Charitex

Paul — Fri, 26 Apr 2019 22:00:00 +0000

Securing money for giving, social impact and microfinance activities – plus distributing and tracking these funds – is a big challenge for people working in the humanitarian sector.
Charitex aims to deliver an innovation in such social enterprise, by deploying a smart business model and improving the technology of giving – with a vision to create real and positive impact for people.
Charitex is not a Charity or simply another crypto donation interface. Rather it is a profit-for-purpose business with a smart model and ambition to build and launch a blockchain for social impact platform.
As the digital space matures there is increasing demand for more authentic and ethical projects. And projects with asset backing.
Charitex is one response to this call.
It is a blockchain project – developed in Australia – to deliver positive social impact.
ICO’s may continue but Charitex presents the first-ever ECO (Ethical Coin Offering) with its ECO launch planned for late July 2018.

Distribution, trust, equity and peer-to-peer accountability is at the heart of blockchain.
This is a logical technology to deploy in order to address issues of social and environmental need.
A token economy can be designed to give attention to commercial imperatives, as well as, enable the building of positive social impact and value.
Charitex will leverage blockchain, integrate other tech and software plus engage a community to introduce a new approach to creating social impact.
The system side-steps the ongoing need for donations, instead will conduct a funding event offering positions in the Charitex Social Impact Fund with an associated Charitex token.
• Once established the business will put funds to work to create yield
• The business will evolve and generate ongoing revenue via multiple revenue streams
• It will link with and grow an engaged Community using the utility token (ERC20) for voting and social impact project nominations
• Charitex has a plan to create an integrated platform for management and P2P funding of social impact projects
• The Charitex platform will be offered fort to Friends of Charitex: when proven it will then be promoted to a broader market which includes NFPs and NGOs as well as for CSR clients.

ETHLend

Paul — Fri, 26 Apr 2019 22:00:00 +0000

ETHLend is a fully decentralized financial marketplace built on top of the Ethereum Network allowing lenders and borrowers from all over the world to create peer to peer lending agreements in a secure and transparent way using Blockchain and Smart Contracts.

Lending crypto-to-crypto removes the need for banks to be the only available option for borrowing. By placing a loan request on ETHLend, lenders from all over the globe can fund loan requests by competing to provide the most competitive interest rate. We want to erase the interest rate differences between countries and bring true loan market for the people by the people.

The Digital Reserve

Paul — Fri, 26 Apr 2019 22:00:00 +0000

The Digital Reserve is focused on the support & development of a decentralized financial institution, the Digital Reserve Network. With $2 Trillion dollars in unmet financing worldwide and the cryptocurrency industry being over $300 Billion, there is a unique opportunity. We can leverage a rapidly growing community to profitably empower disadvantaged communities & increase financial accessibility, meeting the UN Sustainable Development Goals.
A P2P payment and lending network that leverages Denarii – a specialized cryptocurrency designed to meet the needs of everyday people. The Digital Reserve Network (DRN) provides a borrower focused lending protocol to increase financial access and stabilize value. The lending pool is created through the reserve backed leveraging of committed fund.
The DRN implements a market responsive monetary policy that maintains fiscal sustainability while promoting financial inclusion by incentivizing actual currency usage. Other notable DRN features include the use of a directed acyclic graph (DAG) and quantum resistant cryptographic signatures for robust scalability and future-oriented security.

Bitminutes

Paul — Fri, 26 Apr 2019 22:00:00 +0000

BitMinutes are a mobile digital currency, backed by a commonly used asset (prepaid minutes) enabling consumers, carriers and financial services institutions to increase their access to capital. BitMinutes combine prepaid airtime with blockchain technology unleashing a new, innovative cryptocurrency for mobile financial services.

BitMinutes (“BTM” or “BTMs”). BitMinutes are encrypted tokens powered by P2P Cash’s proprietary Smart Token technology. BTMs create secure interoperability between disparate global financial networks, mobile network carriers and emerging blockchains, enabling frictionless exchange of value between those networks.

The journey began In 2012, when our team of Harvard and Stanford graduates came together to launch a P2P Cash Incubator to develop global Financial Technology applications. Our primary goal is to improve the financial well-being of the 2 billion under-banked people in the world through the use of blockchain.

We invented BitMinutes (BTM), a new crypto-currency that is based on International (ISO) Banking Standards and that which not only provides secure liquidity for P2P lenders but also democratizes P2P lending to denominations as small as $10. Their inter-changeability between prepaid minutes and cash collateralizes even the smallest P2P loan.

Most ICOs can be risky as the they typically raise capital for incomplete projects that do not address a proven consumer market. BitMinutes are in continuous production, targeting the combined global remittance and mobile prepaid industries market valued at $1.2 trillion. Today we have a global distribution in place reaching over 4 billion mobile phones and over 2 billion bank accounts. BitMinutes use builds both consumer credit and acts as a collateral for lending.

We have signed on MasterCard as one of our global partners, issuing virtual accounts based on BitMinutes. Currently we are under negotiation with a global multi-carrier reaching over half a billion subscribers.

Our Initial Coin Offering (ICO)is opened through the month of May and are seeking a few select BitMinutes distribution partners namely Banks, Micro-Finance Institutions, Telecom Carriers to improve the lives of the under-banked via P2P Lending.

Everex

Paul — Fri, 26 Apr 2019 22:00:00 +0000

EVEREX is a financial technology company specializing in applying blockchain solutions to cross-border payments, trading and lending.

BLOCKCHAIN-POWERED FINANCIAL SERVICE PLATFORM
Everex enables you to transfer, borrow, and trade in any fiat currency, anywhere. With settlement times below 30 seconds, low transaction costs, and military grade security, the world’s financial markets are in the palm of your hand.

Everex utilizes the Ethereum blockchain for all its services, allowing clients full transparency into Everex transaction processing. Everex is particularly valuable for clients trading in non-deliverable currencies.

OPENING BORDERS FOR SMALL AND MEDIUM SIZED BUSINESS
The Everex global payment service enables small and medium-sized business to safely access the world’s markets at costs previously only available to multinationals. With Everex, SME’s can securely send and receive payments to and from abroad in any currency, safeguarded by smart contract technology and at the best exchange rates available.

Join the Everex payment network today, and free yourself from FX rates set by your bank, resting assured that agreed-upon payments remain irrevocable and settle in time.

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Description on Sacred Capital:
Everex is a money transfer system which aims to apply blockchain technology for cross border remittance, online payment, currency exchange, and micro lending. It plans to introduce fiat pegged Cryptocash currencies to solve the existing issues in cross border remittances and funds transfers. Each fiat currency will have its own cryptocash currency which will be pegged to the exact same value. By applying its solutions Everex plans to induct around 2 bn unbanked people in the world to the global economy.

Koina

AndreaV — Fri, 26 Apr 2019 22:00:00 +0000

What is KOINA?
The heart of the KOINA system is the KOINA money. KOINA is basically a credit network and KOINA credits are created by a delivery promise into the future from producers to the KOINA community. The underlining principle is a unilateral/social contract (one2all) instead of a bilateral contract (one2one). KOINA is a debt-free, positive monetary system.

Vision
We feel responsible to significantly contribute to the global transformation process into a sustainable economy! Therefor KOINA is building up a sustainable monetary system that serves this public purpose.

Aim
KOINA enables producers to issue credit which allows them to finance their future production independently. Our goal is to establish a global credit network with its own market-specific currency to generate a homogeneus market.

Strategy
The fundament of the KOINA compliant techno-legal framework is a social contract. The system is powered by a proprietary smartchain. This combination permits the operation of the credit network and allows businesses to use KOINA.